"Still waiting, still not seeing any that have.. When you debate someone, in a forum or somewhere other than your armchair, I suggest you forget about trying to demand a opposite answer from someone as an answer to a question. Its not only childish, its really quite silly. You are, by all definitions, a troglodyte. If you think of those ignorant ""republican christians"", thats how you are acting now. No country in the past has ever sold and bought there own debt at the same time I can promise you I worked in finance, for a large highly rated company, then got rich building a business. I know this hurts, but honestly, when you are wrong, just admit it and move on. Ignorance is just so sad to display and probably keeps you held back in life anyways. Im off to bed though I am sure you'll declare yourself victor of not naming a single country that bought and sold its own debt in history. But, maybe its ANY victory in your head you need right now. Who knows. ------------------------------------------- Update 1 * lol I see you changed your answer, let me do the same. The fact that the ""bank of england"" in 1694 is the model of ""modern"" central banks STILL doesn't show that they BOUGHT THERE OWN DEBT. Do you still not understand this yet? Modern central banking has NOTHING TO DO with buying your own debt. You really are clueless as to how ""economics"" works aren't you? ------------------------------------------- Update 2 * I think you keep changing them, because for some reason you just won't admit you have no understanding of modern/classical banking. Once again: >In order to induce subscription to the loan, the subscribers were to be incorporated by the name of the Governor and Company of the Bank of England. The bank was given exclusive possession of the government's balances, and was the only limited-liability corporation allowed to issue bank-notes.[12] The lenders would give the government cash (bullion) and also issue notes against the government bonds, which can be lent again. The £1.2m was raised in 12 days; half of this was used to rebuild the Navy. This statement still DOES NOT show that the government here simultaniously purchased its own bonds it issued. It issued debt, yes, no one is debating this. The bank, for all purposes, acted as the Treasury for England. But honestly, you are a fucking piece of work. I have watched you lie, change your answers, and pretty much do every childish thing in the book to try to win an arguement on Reddit. You are a little person, honestly. I know not of what world you live in, but it isn't this one. Seriously, get better, the world is alot more fun when you don't suck so bad at it."


You can't rollover a 401k directly into a Roth IRA. What you can do is rollover a 401k into a traditional IRA, and then convert some or all of the money to a Roth IRA. This is independent of any contributions made to a traditional or Roth IRA.


You could go further and do a carry trade by borrowing EUR at 2% and depositing INR at 10%. All the notes above apply, and see the link there.


You can find out the general types of investments by reading the public corporation 10-Q report that is filed with the SEC it can be accessed via the EDGAR system. It will not tell you what securities they have, but it does identify the short term and long term investments categories and their value.


https://www.cancer.gov/about-cancer/causes-prevention/risk/tobacco No. I'm just someone who doesn't subscribe to the fear mongering against Monsanto and conventional farming techniques in general. If people decide to avoid traditional practices, all th power to them. If, however, they start to spread misinformation or fearmonger I have a problem with that.


Cash price is $22,500. Financed, it's the same thing (0% interest) but you pay a $1500 fee. 1500/22500 = 6.6%. Basically the APR for your loan is 1.1% per year but you are paying it all upfront. Opportunity cost: If you take the $22,500 you plan to pay for the car and invested it, could you earn more than the $1500 interest on the car loan? According to google, as of today you can get 1 year CD @ 1.25% so yes. It's likely that interest rates will be going up in medium term so you can potentially earn even more. Insurance cost: If you finance you'll have to get comprehensive insurance which could be costly. However, if you are planning to get it anyway (it's a brand new car after all), that's a wash. Which brings me to my main point: Why do you have $90k in a savings account? Even if you are planning to buy a house you should have that money invested in liquid assets earning you interest. Conclusion: Take the cheap money while it's available. You never know when interest rates will go up again.


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#####&#009; ######&#009; ####&#009; [**Private Express Statutes**](https://en.wikipedia.org/wiki/Private%20Express%20Statutes): [](#sfw) --- > >The __Private Express Statutes__ (__PES__) are a group of [United States federal](https://en.wikipedia.org/wiki/United_States_federal_law) [civil](https://en.wikipedia.org/wiki/Civil_law_(common_law\)) and [criminal laws](https://en.wikipedia.org/wiki/Criminal_law) placing various restrictions on the carriage and delivery of [letters](https://en.wikipedia.org/wiki/Letter_(message\)) by all organizations other than the [United States Postal Service](https://en.wikipedia.org/wiki/United_States_Postal_Service). > --- ^Interesting: [^American ^Letter ^Mail ^Company](https://en.wikipedia.org/wiki/American_Letter_Mail_Company) ^| [^United ^States ^Postal ^Service](https://en.wikipedia.org/wiki/United_States_Postal_Service) ^| [^Private ^cancellation](https://en.wikipedia.org/wiki/Private_cancellation) ^| [^Local ^post](https://en.wikipedia.org/wiki/Local_post) ^Parent ^commenter ^can [^toggle ^NSFW](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot NSFW toggle&message=%2Btoggle-nsfw+cjnqjkd) ^or[](#or) [^delete](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot Deletion&message=%2Bdelete+cjnqjkd)^. ^Will ^also ^delete ^on ^comment ^score ^of ^-1 ^or ^less. ^| [^(FAQs)](http://www.np.reddit.com/r/autowikibot/wiki/index) ^| [^Mods](http://www.np.reddit.com/r/autowikibot/comments/1x013o/for_moderators_switches_commands_and_css/) ^| [^Magic ^Words](http://www.np.reddit.com/r/autowikibot/comments/1ux484/ask_wikibot/)


>According to the IRS, penalties and fines are only non-deductible when they are paid for actual violations of laws/regulations. That's not quite correct. Section 162(f) says [bolding is mine]: >No deduction shall be allowed under subsection (a) for any fine or similar penalty **paid to a government** for the violation of any law. That means they can only claim a deduction on the portion of the fine that isn't paid to the US government. I'm doing a little research to see if I can find out what the dealy-o is.


Ahaha you're so butthurt it kills me. I'm not sure wtf insight you think I should be giving on CIMs or pitch books cuz they're pretty fkn self explanatory. As for modelling, infra modelling (which is most of my modelling experience) is super technical and the models are really extensive so it's not really applicable to most other industry groups. You don't have to believe me about who I am or what I do but I really gain nothing from lying about it lmao


"You seem to have all your financial bases covered, and others have given you good financial advice, so I will try to give you some non-financial ideas. The first and most important thing is that you are investing with a long time friend, so the dynamics are a lot different that if you had recently met a stranger with an ""interesting"" new idea. The first thing you need to ask yourself is if your friendship will survive if this thing doesn't go well? You've already said you can afford to lose the money so that's not a worry, but will there be any ""recriminations?"" The flip side is also true; if the venture succeeds, you should be able to go further with it because he's your friend. You know your friend better (back to grade school) than almost anyone else, so here are some things to ask yourself: What does your friend have that will give him a chance to succeed; tech savvy, a winning personality, a huge rolodex, general business savvy, something else? If your guardian angel had told you that one of your friends was planning to embark on an internet/advertising venture, is this the one you would have guessed? Conversely, knowing that your friend was planning to do a start up, is this the kind of venture you would have guessed? How does ""internet"" and ""advertising"" fit in with what you are doing? If this venture succeeds, could it be used to help your professional development and career, maybe as a supplier or customer? Can you see yourself leaving your current job and joining your friend's (now established) company as a vice president or acting as a member of its board of directors, the latter perhaps while pursuing your current career path? Are your other mutual friends investing? Are some of them more tech savvy than you and better able to judge the company's prospects of success? To a certain extent, there is ""safety in numbers"" and even if there isn't, ""misery loves company."" On the upside, would you feel left out if everyone in your crowd caught ""the next Microsoft"" except you?"


"Dimon's analysis and conclusions regarding his own lack of leadership and flawed oversight, leaves me frustrated and thinking... ""No Shit Sherlock!"" For five years we keep hearing over-and-over from an endless procession of Wall Street Elite how nobody understood the smoke-and-mirror shenanigans and that none of them believed that they were involved in any wrongdoing. Each time that this lame conclusion of blaming ""unexpected consequences and complexity"" is offered, are we really meant to accept it? Does anyone accept it? Stating that ""I now know that deceitful business practices and blatant gambling had grave consequences"" is hardly a revelation. Seriously, Dimon had to be the archetype for the **[Captain Hindsight](http://vimeo.com/16315458)** character."


According to this site: If you think the plan trustees or others responsible for investing your pension money have been violating the rules, you should call or write the nearest field office of the U.S. Department of Labor's Employee Benefits Security Administration (EBSA (formerly PWBA)). Looking at EBSA's FAQ for abandoned plans finds: EBSA has developed an Abandoned Plan searchable database to help participants and beneficiaries find out if a particular plan is in the process of being, or has been, terminated. The site is searchable by plan name or employer name and will provide the name and contact information for the QTA, if one exists. If you do not have access to a computer to conduct the search, you may contact one of EBSA’s Benefits Advisors to assist you by calling toll-free, 1.866.444.EBSA (3272). So I would try searching the database for your plan. If that doesn't help, you can call EBSA and ask for more specific assistance. Or use the contact us page to find an alternative contact method.


... its not really a surprise that people in a major US city (populated mainly by Democrats) aren't too keen on Trump. I guess I'm impressed the WaPo actually sent a reporter somewhere that's not on a coast. Sort of.


"This is reddit quality material. Don't use reddit to do your homework. The CMO is a type of MBS. The simplest type of MBS is a simple mortgage pass-through. So no, CMO's and MBS's aren't ""basically the same thing"". Don't use reddit for shit like this these Occupy Wall Street fuckers don't know what the fuck they're talking about. All they know is that they're poor and that's about it."


"Except here's the problem. Sunglasses for example are something you'd be a fool to buy online without trying them on first. So you go to a store, try on a pair of ray-bans that cost $260, and you get them online for $120. The problem is that when all the stores disappear, we no longer have that option. Honestly I did this at Sunglass Hut... I bought them on an impulse, found the model online, and returned them and said: ""I wouldn't care if it was $40 difference - being able to try them on is worth it. But you're selling them for double what I can get them for online, so I'm going to return these. I feel like an ass, but you guys don't price match."" The 19 year old girl probably didn't care too much on my rant, but maybe one day it'll get to the company's management."


I think there are three important considerations:


"Exactly, it's like Ayn Rand arguing against handouts then living off welfare in her old age. Or rich people arguing against tax loopholes while taking advantage of them while they exist. Just because you use something doesn't mean you agree with it, you have every right to say ""this is bullshit, but I'm going to do it because it's fair that I do."""


I don't think you understand what I'm saying. The right to free speech has nothing to do with private companies. I agree with the concept of free speech as it is defined in the Constitution, I don't agree that private companies should be forced to provide a platform for it or to facilitate it in any way.


First and foremost, I would warn about having to shell out your own money for start-up, inventory, or other sunk costs. If I have to significant amounts of goods and stockpile them, that would be a warning. Some goods-based MLM have significant start-up costs. Along with this - how realistic are your time expectations. Is this to be a part-time occasional endeavor - or your full-time occupation? Do you know enough people that you believe you can recruit, as it is the pyramid that makes you the money, not the goods themselves. Secondly, market research. Companies that I would consider real franchise-like companies generally either have, or demand you do, significant market research in an area before you start. They don't want the good name of their company tarnished by having a venue close down. MLM generally don't care as much (generalization). Similarly, are there others in the same neighborhood/town already in the scheme? If so, and depending on the size of your community, many of your potential target recruits may already either be in the scheme, or already scared/annoyed. Third, and last for my list are any kind of pressure tactics. Again - franchisee companies and their ilk generally want a long-term relationship with the right people - not just more and more people as part of the pyramid. MLM and the like tend to want expand at all costs.


See http://blogs.reuters.com/felix-salmon/2011/04/30/why-the-sec-should-look-at-levered-etfs/?dlvrit=60132, http://symmetricinfo.org/2011/04/are-investors-in-levered-short-treasury-etfs-a-disaster-waiting-to-happen-pt1/, and the articles linked from it: The issue with holding a levered ETF past 1 day is that investors expose themselves to path dependency in the underlying.... The reason for the difference in payouts comes from the fact that the manager of the levered ETF promises you a multiple of the daily returns of the underlying. To be able to promise you these daily returns, the ETF manager has to buy/sell some of the underlying every day to position himself to have a constant leverage ratio the next day. The short video below explains this process in detail for a 2x long ETF, but the same result holds for a 2x short ETF: the manager has to buy more of the underlying on a day when the underlying increases in value and sell more of the underlying when the underlying goes down in value .


While historical performance is not necessarily indicative of future performance, I like to look at the historical performance of the markets for context. Vanguard's portfolio allocation models is one source for this data. Twenty years is a long term timeline. If you're well diversified in passively managed index funds, you should be positioned well for the future. You've lost nothing until it's realized or you sell. Meanwhile, you still own an asset that has value. As Warren Buffet says, buy low and sell high.


> 1% is by definition not common. I'd say the opposite. By definition, 1 in 100% are in that 1% group, which means a random person has a decent chance of knowing some of them. It's common like having red hair is.


"I found the study ""The irrationality of payment behaviour"" accidentally while searching on the term ""DNB Study"" instead of ""D&B Study"". This study, which, when I followed the link, went to the web site dnb.nl (Dutch National Bank), instead of dnb.com (Dun & Bradstreet). It mentions all the salient points that I hear Dave Ramsey and others mention when they talk about studies on this subject of credit vs cash. Also, it cross references to many other studies by various researchers, banks, and universities. Is this the ""missing mythical DNB study?"" I'll let you decide. Relevant ""coincidental"" points from the study: To be fair and complete, I should mention that clearly the relevant parts of this DNB study are talking about discretionary spending. Auto-paying your mortgage with a card is clearly not going to cost you more (unless you somehow forget to pay off the card or some other silliness)."


When you ask people to differentiate between a condominium and an apartment, they usually base their answers on the structure itself. A condominium is, more often than not, a high-rise building filled with dozens of living spaces while an apartment is usually two to three stories high with only a handful of units.


I work with plenty of older guys who have never seen Office Space. They express the same sentiments as others of us who have. Generally it keeps getting worse too as roles move from technical to tracking. The last thing we need is more bosses that just track shit.


Eh... do you not like sausages, beef pepperoni or bologna? It isn't like we didn't eat this shit before, we have for thousands of years, just most of the recipes that utilize it our not to our modern tastes so the turn it into more palatable products. You might not have ate straight up cow tongue, cow heart, cow asshole, ect straight up but you have ate it many many times without complaint if you ever eat sausage.


Oh you're right, there are still ways to travel lighter with kids....it's all relative... But having ACTUALLY traveled light when I was younger I know what it means. Now even after slimming down the suitcases, I still felt like I was bringing half the house to the tropics for 2 weeks.


No matter how a company releases relevant information about their business, SOMEBODY will be the first to see it. I mean, of all the people looking, someone has to be the first. I presume that professional stock brokers have their eyes on these things closely and know exactly who publishes where and when to expect new information. In real life, many brokers are going to be seeing this information within seconds of each other. I suppose if one sees it half a second before everybody else, knows what he's looking for and has already decided what he's going to do based on this information, he might get a buy or sell order in before anybody else. Odds are that if you're not a professional broker, you don't know when to expect new information to be posted, and you probably have a job or a family or like to eat and sleep now and then, so you can't be watching somebody's web site constantly, so you'll be lagging hours or days behind the full-time professionals.


"This is the best tl;dr I could make, [original](http://www.npr.org/2017/10/11/556973877/fed-s-departing-vice-chair-on-stocks-the-federal-debt-and-transparency) reduced by 86%. (I'm a bot) ***** > Fed&#039;s Departing Vice Chair Stanley Fischer On Stocks, U.S. Debt And Transparency Stanley Fischer says that despite record highs in the stock market - boosted by the Fed&#039;s low interest rates - he doesn&#039;t see a bubble. > In an interview with NPR&#039;s Robert Siegel, Fischer says that despite record highs in the stock market - boosted by the Fed&#039;s low interest rates - he doesn&#039;t see a bubble. > Fischer also says that the $20 trillion national debt is not worrisome currently, but if interest rates go up that could cause &quot;Significant problems&quot; for the federal budget. ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/76587t/feds_departing_vice_chair_on_stocks_the_federal/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~227548 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*: **rates**^#1 **Fed**^#2 **interest**^#3 **very**^#4 **low**^#5"


"i realize the required rate will need to be below the expected growth rate. not really the issue. i'm also not looking for insight into how i model these two possible options, i'm really just interested in how people would think about producing a discount rate for the projects. ""but you determine the required return(discount rate) based on the perceived risk of the investment and your particular views"" this was the ultimate question i was getting at. what would YOU use?"


So here's our [answer](http://www.taxalmanac.org/index.php/Treasury_Regulations,_Subchapter_A,_Sec._1.162-21). What it looks like, is basically that the **fines** are not deductible, but the **damages** are. At any rate, I don't think it's questionable at all. It reduces the overall amount of the amount they have to pay, but it's certainly not like they come out ahead on the deal. Further, I presume it's been argued before a court that since the income was illegally obtained (through some sort of illegal function of the business) then the business paid taxes on income it shouldn't have made in the first place.


In the Anti-Money Laundering World ( AML) , structuring consists of the division ( breaking up) of cash transactions, deposits and withdrawals, with the intent to avoid the Currency Transaction Reporting ( CTR) filings. In your case the issue is not structuring but the fact that you have another person ( unknown to the bank) depositing cash , event if it is above the CTR threshold, for you to withdraw later . The entire scenario raises a lot of questions.


Will they retire the name or just move collection to some poor town's spring and dry it up and create havoc in the process? I personally LIKE the fact that Aquafina is just Detroit river water. No real environmental damage, the river is large enough to supply it, no harm no foul. (I don't drink bottled water because it is akin to starting a tire fire in my mind).


Yes, I think this is the general idea. We're going through a deleveraging. On the one hand, this isn't entirely a bad thing because the financial crisis showed some people were lending irresponsibly. A lot of bad loans were made and bad loans that don't get repaid cause a lot of havoc. One the down side, like the original poster said this makes it seem like money is drying up. This has been a bigger problem in some places than other. A lot would argue, myself included, that the US has deleveraged relatively--and key word is relatively--smoothly. Other places, like Europe have not been so lucky.


I wouldn't say were in a Dotcom Bubble 2. For example, Groupon doesn't have a moat, there are already 1 million copycats, and its stock did not skyrocket, it is tanking. Facebook has hundreds of millions of devoted users. However, I believe I saw some stats regarding daily and weekly usage. They did look good for Facebook. Anyway, if you want steady long-term growth you will put your money into Coca-Cola or McDonald's until China, India, Russia, and Brazil are saturated. Still a lot of growth potential there. But don't listen to me, I liquidated everything one day before this past week's run-up.


"Are you out of your mind? Offer the Teacher Unions to pay more to teachers? This will turn in two seconds from ""we want to offer 10% more"" to ""we demand 30% more... and next year another 30%"". Unions are the main reason teachers get paid little and treated badly. P/S: I would not mind to agree with the Union to pay 30% more IF they allow to fire teachers for misconduct. Zero chances they will agree to that."


Keep in mind there are some examples of combination medications that have improved outcomes. I'm thinking specifically of HIV meds, HEP C medications, and other combo meds for infectious disease. Truvada for example. It's one pill. Emtricitibine and tenofovir. Taken alone emtricitibine and tenofovir have complex and tedious pill regimens (like most other HIV meds regimens) but for patients to be able to take one pill, once a day has made their compliance with the med regimen much better. Lower viral load, higher cd4 counts, and improved management of their HIV. I'm not saying the absurd price hikes of these other meds are warranted. They're not. But when dealing with public health issues, and infectious disease in a population that has a difficult time being compliant with their meds, combo meds are worth the cost.


As deep as the next guy's i suppose. Just to be clear, i want to take most of the money away from the elite and use it to fund education, healthcare, and opportunities. End the drug war. Ya know, things that make logical sense.


The bank will consider total of both parties income for the loan qualification. Provided both parties will be listed on the mortgage.


I'm not a big fan of Lyft after noticing that they put a $15 hold on my card for each ride, sometimes for multiple days. I get that they need to guarantee their fare, but my rides are almost always <$10, so the hold is... irritating.


"No, I didn't read the article (I never claimed to have), and no, I don't know the person's credentials (I never claimed I did). This thread seems to be directed towards hiring a music major as a security specialist, which is an irrelevant point to argue. The point to argue is whether they are qualified, which has nothing to do with a degree if they've worked for more than a year. That was the entire point of my comment. Tl;dr Her degree is irrelevant and everyone is attacking the scapegoat. EDIT: I also realized I referred to her as ""he"", which was a typo."


"Other things equal is sometimes referred to as ""ceteris paribus"" - the scenario where you compare two currencies (or things) under the assumption that all other factors that could effect those currencies (earthquakes, revolutions, currency crises ect) are not ocurring. Its like using a control group in a lab. ""Real interest rates"" means the rate of that countries interest rate, accounting for inflation. ""Proportional to the strength of its home currency"" is referring to how countries with higher rates of interest tend to have stronger currencies (relative to other currencies) because foreign investment/capital will flood into the country seeking those higher rates of return - excess demand for the currency will cause it to appreciate. So this is also true in reverse, as capital will tend to leave a country will ultra-low interest rates."


Other than the two answers (both of which recommend waiting until marriage to actually combine finances, and which I agree with), there's the general question: how does a couple choose to manage finances? In our marriage, it's me. I'm more numbers-minded than my spousal-unit. I'm also more a sticker for time. I work and spousal-unit does not. We had some good friends -- upon marriage, spouse1 felt like he should take on the role. He went on a several-week trip (leaving spouse2 at home), and upon returning home asked spouse2 about the late fees. Spouse2 was appalled. Spouse2 ended up keeping the job of managing household finances. There's enough pieces to the puzzle that it can be divided any way you choose -- any way that works for you and your spouse/virtual-spouse. One other point: talk about how to manage your money, before you marry. Dave Ramsey recommends a strict monthly budget. I like listening to Dave Ramsey, but we've never had a budget. Instead, we agreed during marriage counseling two things:


>You were an unsecured creditor. Yes, but his situation was more complicated than your run of the mill unsecured creditor. He had a trading account. It may very well have been technically *structured*, for accounting purposes, as unsecured credit - but the reasonable assumption for the average person is that trading/deposit accounts are held in trust rather than as individual investments/grants which the company can use how it pleases with just the promise to pay you back later. Now, granted, somebody with a Refco forex account should be sophisticated enough to understand the difference - but that doesn't change the fact that even such investors might normally just assume that their accounts are being sequestered. It would make the most sense. It sounds to me like Refco's accountants, and everybody involved in the process, were thieving scumbags.


Sameer Thakar Anyone knows Sameer Thakar knows that he loves to engage his body as well as his mind. He is an active runner and tries to get out on the pavement as often as possible and get moving. He understands that exercise is the best way to relieve stress, improve mind, and keep in shape. In addition to that Sameer Thakar participates in a number of athletic activities, including cricket, tennis, and racquet ball. He is also an avid chess player, which is a great way to exercise the mind.


"Preferred dividends and common dividends are completely separate transactions. There's not a single ""dividend"" payment that is split between preferred and common shares. Dividends on preferred shares are generally MUCH higher than common dividends, and are generally required by the terms of the preferred shares, again unlike common dividends, which are discretionary."


Not entirely true. If the humidity is 100% but the temperature is lower than your body temperature, sweat will still evaporate since there will be enough energy to excite water molecules into a gas. The excess will condense somewhere just likely not on you since you are warmer than the air.


>Then we will have to agree to disagree. The important thing is that we didn't give any solid advice to the original question :) >The social discount rate isn't about borrowing it is about funding projects that would return a higher rate. To simply say the discount rate is the same as the borrowing rate (which is dirt cheap right now) isn't wise because different projects offer better social value. Think of it as your opportunity cost. I agree with you that there may be better projects. But I am implying that as long as those other projects' IRR are above the borrowing rate, they also should be undertook. Basically keep on borrowing and going down the pecking order until the borrowing rate meets the IRR of projects not started. What every that equilibrium is should be the discount rate. And while someone may say that borrowing takes away from private investment (and they are right), it is in the best interest of the country to ignore that. The market for government securities is global; the state could be taking more from foreign private investment than domestic. However, this does ignore the manipulation on the rate that goes on from forced lending from citizens. Social Security by law has no choice but to invest in government securities. I don't know, I think I'm just rambling now.


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There is no rule that says the dealer has to honor that deal, nor is there any that says he/she won't. However, if you are thinking of financing through though the dealership they are likely to honor the deal. They PREFER you finance it. If you finance it through the dealer the salesman just got TWO sales (a car and a loan) and probably gets a commission on both. If you finance it through a third party it makes no difference to the dealer, it is still a cash deal to them because even though you pay off the car loan over years, the bank pays them immediately in full.


"You can find lots of answers to this question by googling. I found at least five pages about this in 30 seconds. Most of these pages seem to say that if you must convert cash, converting it in the destination country is probably better, because you are essentially buying a product (in this case, dollars), and it will cheaper where the supply is greater. There are more dollars in the USA than there are in Portugal, so you may be able to get them cheaper there. (Some of those pages mention caveats if you're trying to exchange some little-known currency, which people might not accept, but this isn't an issue if you're converting euros.) Some of those pages specifically recommend against airport currency exchanges; since they have a ""captive audience"" of people who want to convert money right away, they face less competition and may offer worse rates. Of course, the downside of doing the exchange in the USA is that you'll be less familiar with where to do it. I did find some people saying that, for this reason, it's better to do it in your own country where you can shop around at leisure to find the best rate. That said, if you take your time shopping around, shifts in the underlying exchange rate in the interim could erase any savings you find. It's worth noting, though, that the main message from all these pages is the same: don't exchange cash at all if you can possibly avoid it. Use a credit card or ATM card to do the exchange. The exchange rate is usually better, and you also avoid the risks associated with carrying cash."


"Perhaps mysterious in the sense that any dubious story involving a powerful and influential firm will not have their name actually mentioned? I've often found when American media runs a story like this, with no details, I can go look at London's Financial Times and they will name-names. For example CNBC or CNN might run a story ""top wall street firms fined"" and not name the actual firms. You have to look at non-American media to get actual names."


Idk if equating fiscal policy to direct changes in debt is the greatest idea. Yes if you buy one more F-35 your debt will increase by $160 million. However it's more complicated when discussing decreased debt, as for the direct cause.


"There were some immigrants,but they were not allowed because they were not ""white people"" http://en.wikipedia.org/wiki/United_States_v._Bhagat_Singh_Thind England was a bigger magnet for Indians due to colonial history. The first mass immigration from India to US was during the 1970s when doctors and nurses were allowed due to a shortage during the Vietnam war. Still, it was very expensive and not many other jobs were available for us. Computers and the Y2K scare in the 1990s actually became a boon since any warm body (at that time) could be trained to scroll through COBOL code and make changes, and ""onsite"" presence was required. Most of my classmates went to US to study and/or work in IT. The goal in my company is to ""go onsite"""


"so, in your view, the Democrats rely on illegal aliens to vote them into office? i agree that our current system seems really crazy on multiple levels holy crap. i just realized, you might be working for one of those groups whose intent it is to change public opinion via talking in forums online. even though you misspelled ""doners"""


Citizens of Reddit, why must we care about workers making $9/hr when you own [electronics made by workers in Foxconn earning $1.87/hr](http://www.reuters.com/article/2010/10/01/us-foxconn-idUSTRE6902GD20101001) Maybe some of you fail to see the point, would you pay more money for your computer, if it meant workers had a wage increase? Would you pay more money for your goods in walmart? This may seem harsh and some of you may be in denial, but the fact is the american people have spoken with our wallets not our hearts. This post is in /r/business where we know profit margin is the key to successful company


Yeah . .We can see that we can hit what we fire, but can we hit what the enemy fires? Two missile over Japan and nothing, I don't see how siren blowing and alarms blaring and people running for cover as an unidentified missile flies overhead does not constituent a threat. Conclusion: Trumps speech was Panic and bravado and bluff, it seems the US and its allies have been living under a false sense of security . . .there is no missile shield


> Instead they focused on bottom line, cut training, and pissed off the community by abusing employees and being rude and useless to anyone walking in the door. > 1. OH NO, they do NOT cut training, not by a long shot. People seem to think they (past employee) are the 'worst tech-selling company', they aren't, they're a decent electronic store. We are trained on sales and basic product knowledge. Except when as a cashier / customer support guy, I was trained oven installation. Twice actually because they needed it again. We get more training than we know what to do with (not really but most of it is bs so we don't care) and you can just click through the fuckers, and with common sense, pass tests. I build pc's and have maintained multiple business networks in my home-town, but couldn't work GS even after I passes all necessary training, because I couldn't sell as ons well enough. Like really, 100% I just couldn't (even though I left top of my dept.) 2. We sell, and we try to sell hard. People see it as annoying and pushy, same here. 3. We will not go down or byebye for a long time, because we did what Radio shack is doing wrong, cell phones. Best Buy mobile is insanly popular / profitable, and a whole lot of people love it. We shut down 100+ stores last year... we opened up 3 times the number of specialty mobile stores in the US / CA... A lot of those old stores were never profitable, almost every one of the new ones really is. People just like to think BB is screwed, no, it's actually not. It has a market that doesn't really exist on reddit, the regular guy that wants some shit and someone to maybe fix his shit when his shit doesn't work. He doesn't need the best shit, the newest shit, or the special shit, he wants what his NEIGHBOR has and what he thinks he kinda gets. That middle America, Kentucky and Tennessee market you know? That is fucking huge, we just forget about em.


"The argument you are making here is similar to the problem I have with the stronger forms of the efficient market hypothesis. That is if the market already has incorporated all of the information about the correct prices, then there's no reason to question any prices and then the prices never change. However, the mechanism through which the market incorporates this information is via the actors buying an selling based on what they see as the market being incorrect. The most basic concept of this problem (I think) starts with the idea that every investor is passive and they simply buy the market as one basket. So every paycheck, the index fund buys some more stock in the market in a completely static way. This means the demand for each stock is the same. No one is paying attention to the actual companies' performance so a poor performer's stock price never moves. The same for the high performer. The only thing moving prices is demand but that's always up at a more or less constant rate. This is a topic that has a lot of discussion lately in financial circles. Here are two articles about this topic but I'm not convinced the author is completely serious hence the ""worst-case scenario"" title. These are interesting reads but again, take this with a grain of salt. You should follow the links in the articles because they give a more nuanced understanding of each potential issue. One thing that's important is that the reality is nothing like what I outline above. One of the links in these articles that is interesting is the one that talks about how we now have more indexes than stocks on the US markets. The writer points to this as a problem in the first article, but think for a moment why that is. There are many different types of strategies that active managers follow in how they determine what goes in a fund based on different stock metrics. If a stocks P/E ratio drops below a critical level, for example, a number of indexes are going to sell it. Some might buy it. It's up to the investors (you and me) to pick which of these strategies we believe in. Another thing to consider is that active managers are losing their clients to the passive funds. They have a vested interest in attacking passive management."


To some degree, it affects every organization that wants a foreign worker. Is *that* why you don't get interviews? No. There are plenty if reasons, which are probably your résumé and cover letter, and/or how you present your skills and experience


"This is the best tl;dr I could make, [original](http://www.cnbc.com/2017/07/07/strategist-tom-lee-weighs-sees-bitcoin-going-as-high-as-55000.html) reduced by 80%. (I'm a bot) ***** > The strategist&#039;s case for bitcoin is a basic supply-and-demand story, similar to the argument other proponents of bitcoin use when playing up its future as &quot;Digital gold."" > While the lack of regulation is what has attracted many buyers, many consider bitcoin the &quot;Wild West.&quot; Three years ago, Mt. Gox, the largest bitcoin exchange then, filed for bankruptcy and said it lost 750,000 of its users bitcoins and 100,000 of the exchange&#039;s own. > Lee acknowledged bitcoin&#039;s volatility in his report, noting that annualized bitcoin volatility is 75 percent, &quot;Substantially higher than gold&#039;s 10%. But as noted, gold&#039;s volatility approached 90% from 1971 to 1980 as the U.S. abandoned the gold standard - hence, we expect this to improve over time."" ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6lved5/first_major_wall_street_strategist_weighs_in_on/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~161687 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*: **bitcoin**^#1 **Lee**^#2 **currency**^#3 **digital**^#4 **gold**^#5"


1. It is a human right to have children, even if you are not wealthy. 2. Don't cut education funding and then complain that poor people aren't informed enough to make rational decisions. There is no social contract where we have all agreed that humans become omnipotent in terms of their reasoning at a certain age. That is an excuse certain people make to exploit and abuse the ignorant. There is a word for it, a lot of belief systems use it: evil


You pointed out that HFT does not create ipods are mine minerals. Neither does human trading. HFT is a proxy for human trading. Although the computer is executing trades automatically based on an algorithm, it is still using money from a human being's account so the trading is still being done with someone's money. Fast execution of trades is desirable in exchanges. Imagine two exchanges: One only executes trades once a month, the other executes trades once a week. Which exchange would be more desirable? The exchange that trades once a week. Why? Because if I'm holding a stock that I would like to sell, I want to sell it now - not a month from now. Same reason for buying. This concept works all the way down to seconds and fractions of seconds. The issue with HFT, however, is there are cases where the market goes against the HFT algorithm and the algorithm continues to execute trades driving prices up or down by large amounts in the matter of minutes or even seconds. The exchange frequently cancels these trades which only encourages more aggressive HFT trading since HFT traders can have their losses cancelled. This is a privilege that LFTs (low frequency traders) do not receive. This is a valid criticism of HFTs. A short list of such cancelled trades: 8/26/2010: Nasdaq cancels trades of CORE stock 10/4/2010: Nasdaq cancels trades of CENX stock 10/15/2010: NYSE cancels trades of PAY stock 10/18/2010: NYSE cancels $500 million worth of SPY trades 5/18/2011: NYSE cancels 15,900 trades of BEE.PR.C 6/21/2011: Nasdaq cancels CNTY trades 12/2/2011: London Metals Exchange cancel trades of copper


I worked for AOL and saw it first hand. I couldn't believe what they got away with for so long. And of course if you complained you would be canned for under performing. Nothing really happened until they did it to the wrong person.. A judge tried to cancel his account and kept getting billed...


Don't order anything deep fried and stop getting a soda - makes most fast food reasonable aside from over-the-top stuff like the Burger King Mac-N-Cheetos. Even a 7-11 hotdog makes a decent meal depending on your nutrition needs. Load it with jalapenos, onions, tomatoes and get an unsweetened drink. Lots of salt and the bun is full of carbs (toss it if you don't need the extra carbs in your diet), but it's my go-to on a hard 40 mile bike ride as I'm usually sweating a lot and need the quick energy.


"Most answers have concentrated on this being a scam, however, it is possible this is an innocent mistake. Australian bank account numbers do not have redundant digits to be used to validate an account number; all of the numbers are data and uniquely identify a bank and branch (the BSB number) and an account (the Account number). Computer check digits are not part of bank account numbers because bank account numbers pre-date computers. It is entirely possible that someone entering an incorrect number can, by chance, hit upon an existing account. As the bank clearance system in Australia is entirely automatic there is no cross-checking of account numbers with account names. Internet banking in Australia is not a wire-transfer as is common in places like the USA (although these can be done): here you are effectively accessing your bank's ""back office"". Nor is it like the BPay service which is used primarily by B to C businesses as a way for their customers to pay their bills; when using this service the biller code will show you who you are paying and the customer number does have check digit validation. I run a business in Australia and it has happened to us on several occasions than an employee or supplier has given us incorrect numbers. Usually, it is not a real account and after a week or so the money makes its way back to us with a message like NO ACCOUNT or A/C CLOSED. Very occasionally, however, the wrong number hits a live account: when that happens the person who f*&ked up needs to contact their bank and try and get the transaction reversed. If there is money in the destination account this usually happens with little fuss, however, if the destination account has been closed or emptied things get problematic. Of course, taking money that isn't yours is stealing even if it happens to be sitting in your bank account. However, unless the sum involved is significant the police are usually not interested in diverting their attention away from ""serious"" crimes like homicide, armed robbery and terrorism so the aggrieved party is usually on their own. That said, this is probably a scam because they called you rather than your bank doing so. They cannot get your phone number from your account number: they have to know who you are and what your account number is. This is not as hard to do as it sounds since both your name and account number are prominently printed on your cheques and deposit books (possibly your phone number as well which saves them looking it up in the White Pages)."


"I can pretty much guarantee you that the vast majority of new small companies will NOT grow to have 50 workers (they probably won't even have 49 workers, or 48, or even 47). Once they approach 40, other ""solutions"" -- even beyond the ""part time employees"" suggested by the author (a thing I would expect will be ""addressed"" by a change in the detailed regulations -- the Federal government will attempt to stop this obvious loophole by redefining what constitutes a ""full time employee"") -- MANY other solutions will be executed (dividing the company into two or three distinct entities with slightly different ownership {for example wife owns one location, husband another, etc}, plus the obvious expanded use of temp agencies, contract and/or subcontract workers, subbing work {especially generic administrative work} out to other firms, etc). Any and all of those will probably cost far LESS than $40k a year (which is probably a woefully underestimated number)."


The main reasons are that investment are deducted from your gross income and earnings are not taxed until withdrawal. This applies to both traditional IRAs and 401Ks. Roth accounts have different rules but valuable benefits. My effective income tax rate is around 35%. This means that for every $1000 I earn in wage I only get to keep $650. Since my 401K contributions are deferred reductions from my income I can invest 35% more money into my 401K than I would be able to invest in a non-tax-advantaged account. Where I can invest $1000 into my 401K I would only be able to invest $650 into a non-advantaged account with the same wages. If I put $650 into an account yielding 10% then my one-year return on my income is $65 The 10% return on my $1000 is $100. Compared to what I would have been able to take home in the first place this makes my ROI $100/$650 = 15.3% Interest earned in non-advantaged accounts incurs taxes every year. Interest earned in advantaged accounts does not incur taxes until withdrawn. Compounding 10% annually for 20 years is significantly more than 6.5% compounded annually for 20 years. Imagine 10% on a 1000 investment with no additional cash flows over 20 year. The result is $6727, or 672%. Imagine your income tax rate does not reduce below 35%, your after-tax return is 4372, or %437 return. Now imagine you pay taxes every year on 10% take, so your take annually is only 6.5%... Now over 20 years you have $3523 (but you've already paid all taxes on this) and your return is %352 You have earned 24% more money because taxes were deferred until withdrawal! EDIT: Some tabular info for the commenters Your take home from the investment is $3752 because you have diligently paid your taxes every year on the earnings. Now, with the tax deferred until withdrawal! You then owe 35% tax on the withdrawal so you keep 7400 * .65 = $4810 $4810 versus $3750 means you have made an additional $1060, or 28%, from the compounding against tax-advantaged earnings. But Matthew! you say... Annual proceeds from your investments are not taxed at your income tax rate. This is true for now but the political winds are pushing this direction. However, even if you use a reduced rate in the first situation (let's say 30% instead of 35%, if you're a California resident) then the effect is $4140 rather than $3750. Less of a gain, but still a gain. In fact your capital-gains rate would have to be as low as 22% to even this difference out (versus a 35% income tax rate).... And remember that this assumes you're in the same bracket at retirement (which more people are not) You may also note that I used $1000 as the principle in both calculations. This was intentional to show the effects of compounding the taxable earnings alone. If you replace the taxable principle with $650 instead of $1000 then the effect is even more pronounced and only balanced out if your capital gains rate is actually zero!


You're welcome to disagree. Lol, and actually it'd be fairly easy to do an artificial markup on labor expense on a P&L, then show you price increase necessary to maintain margin, assuming a constant volume increase year over year. I've done many similar exercises. My family has a small business too, yay. They probably wouldn't hire outside help at $15 an hour. I've worked for minimum wage before for multiple years, it's not like I got some small loan for a million on birth. Also, I'm referring to a blanket national minimum wage increase. It would wreck small companies in cheap areas if too high.


"Tax is often calculated per item. Especially in the days of the internet, some items are taxable and some aren't, depending on the item and your nexus. I would recommend calculating and storing tax with each item, to account for these subtle differences. EDIT: Not sure why this was downvoted, if you don't believe me, you can always check with Amazon: http://www.amazon.com/gp/help/customer/display.html/ref=hp_468512_calculated?nodeId=468512#calculated I think they know what they're talking about. FINAL UPDATE: Now, if someone goes to your site, and buys something from your business (in California) and the shipping address for the product is Nevada, then taxes do not have to be collected. If they have a billing address in California, and a shipping address in Nevada, and the goods are shipping to Nevada, you do not have to declare tax. If you have a mixture of tangible (computer, mouse, keyboard) and intangible assets (warranty) in a cart, and the shipping address is in California, you charge tax on the tangible assets, but NOT on the intangible assets. Yes, you can charge tax on the whole order. Yes for most businesses that's ""Good enough"", but I'm not trying to provide the ""good enough"" solution, I'm simply telling you how very large businesses run and operate. As I've mentioned, I've done several tax integrations using software called Sabrix (Google if you've not heard of it), and have done those integrations for companies like the BBC and Corbis (owned and operated by Bill Gates). Take it or leave it, but the correct way to charge taxes, especially given the complex tax laws of the US and internationally, is to charge per item. If you just need the ""good enough"" approach, feel free to calculate it by total. Some additional reading: http://en.wikipedia.org/wiki/Taxation_of_Digital_Goods Another possible federal limitation on Internet taxation is the United States Supreme Court case, Quill Corp. v. North Dakota, 504 U.S. 298 (1992),[6] which held that under the dormant commerce clause, goods purchased through mail order cannot be subject to a state’s sales tax unless the vendor has a substantial nexus with the state levying the tax. In 1997, the federal government decided to limit taxation of Internet activity for a period of time. The Internet Tax Freedom Act (ITFA) prohibits taxes on Internet access, which is defined as a service that allows users access to content, information, email or other services offered over the Internet and may include access to proprietary content, information, and other services as part of a package offered to customers. The Act has exceptions for taxes levied before the statute was written and for sales taxes on online purchases of physical goods."


You read 'The E-Myth' now go ahead and read 'The E-Myth Revisited' but don't quit studies. Try to start a business while doing college, you will figure out many more things with your start-up, ups and downs both, but with no degree in hand you would never have well-paying job in your chosen education stream (something to fall back on) even if the business doesn't succeed or you find that your motivation isn't there. Whatever you do give it your 100%, that way you wouldn't have to walk as loser.


"Scrap is a word which ordinarily implies any discarded or old material, for instance, steel, paper, or clean textures. It moreover portrays each not entirely obvious detail that may be seen as useless, futile, or outsider waste. As often as possible considered no a more prominent measure of usage, the thing is discarded and considered as plain piece. Be that as it may, that is slowly not the situation with rubbish cars accessible to be acquired. Some ""cast off"" cars could be yet regarded profitable of specific use magnificently. Scrap automobiles advance toward getting to be wellspring of best cash for Cars Tampa."


I'd be a bit concerned about someone who wanted to transact that large of a transaction in cash. Also consider what you are going to do with the funds, if you deposit it, you will need to tell the bank where it comes from. Why does the bank want to know, because most legal businesses don't transact business with large sums of currency.. What does that tell you about the likelihood the person you are about to do business with is a criminal or involved in criminal affairs? The lower bill of sale price might be more than just to dodge taxes, it could be part of money laundering.. If they can turn right around and 'sell' the boat for $10K, or trade it in on a bigger boat for the same amount, and have a bill than says $4K, then they have just come up with a legal explanation for how they made 6 grand. and you could potentially be considered an accomplice if someone is checking up on their finances. Really, is it worth the risk.


For a non-technical investor (meaning someone who doesn't try to do all the various technical analysis things that theoretically point to specific investments or trends), having a diverse portfolio and rebalancing it periodically will typically be the best solution. For example, I might have a long-term-growth portfolio that is 40% broad stock market fund, 40% (large) industry specific market funds, and 20% bond funds. If the market as a whole tanks, then I might end up in a situation where my funds are invested 30% market 35% industry 35% bonds. Okay, sell those bonds (which are presumably high) and put that into the market (which is presumably low). Now back to 40/40/20. Then when the market goes up we may end up at 50/40/10, say, in which case we sell some of the broad market fund and buy some bond funds, back to 40/40/20. Ultimately ending up always selling high (whatever is currently overperforming the other two) and buying low (whatever is underperforming). Having the industry specific fund(s) means I can balance a bit between different sectors - maybe the healthcare industry takes a beating for a while, so that goes low, and I can sell some of my tech industry fund and buy that. None of this depends on timing anything; you can rebalance maybe twice a year, not worrying about where the market is at that exact time, and definitely not targeting a correction specifically. You just analyze your situation and adjust to make everything back in line with what you want. This isn't guaranteed to succeed (any more than any other strategy is), of course, and has some risk, particularly if you rebalance in the middle of a major correction (so you end up buying something that goes down more). But for long-term investments, it should be fairly sound.


>Your arguments aren't your own, and that's what proves you don't know what you're talking about. I took up to International Macroeconomics and Finance at the Sam Walton School of Business. >Did you know that in the Middle East for example, they do not have this banking system? Oh, right. The banking system in Dubai, for instance, is the hot zone of International Money laundering by criminal syndicates ranging from the Russian Mafia to Dawood's Syndicate in India. This is because it isn't regulated and nobody gives a fuck where the money comes from. >Why? Because you're gullible, and anything that seems establishment or widely accepted, that's what you go along with. Blow me you smug, ignorant motherfucker. I'm done giving you an Econ 101 lesson. Maybe when you grow up you'll be ready to learn something. >Also, we did not abandon the gold standard at Bretton Woods. SERIOUSLY WTF. Your reading comprehension sucks ass. Nobody said that.


"While a lot of buzzwords are abused, many of them are also very useful. ""Synergy"" is one that buzzword haters love to pile onto, but it's a powerful concept - that if a car manufacturer and a tire manufacturer decided to work together, the efforts of each would reinforce the other's. I'm sought for my writing, and my style is virtually never criticized. I use these words, though sparingly and in the proper context. The idea of ""buzzword bingo"" is funny to indict the speaker as someone who uses so many empty buzzwords that you could use them to play bingo, but it doesn't invalidate the words themselves."


Work out on your own terms with fitness classes from JGFit! Cooler weather is coming, and with that brings crowded gyms, tight holiday schedules, and limited patience. It has been proven that exercise reduces stress; so stop the stress before it starts and call JGFit today.


"Yes it is possible, as long as the broker you use allows conditional orders. I use CMC Markets in Australia, and they allow free conditional orders either when initially placing a buy order or after already buying a stock. See the Place New Order box below: Once you have selected a stock to buy, the number of shares you want to buy and at what price you can place up to 3 conditional orders. The first condition is a ""Place order if..."" conditional order. Here you can place a condition that your buy order will only be placed onto the market if that condition is met first. Say the stock last traded at $9.80 and you only want to place your order the next day if the stock price moves above the current resistance at $10.00. So you would Place order if Price is at or above $10.00. So if the next day the price moves up to $10 or above your order will be placed onto the market. The second condition is a ""Stop loss"" conditional order. Here you place the price you want to sell at if the price drops to or past your stop loss price. It will only be placed on to the market if your buy order gets traded. So if you wanted to place your stop loss at $9.00, you would type in 9.00 in the box after ""If at or below ?"" and select if you want a limit or market order. The third condition is a ""Take profit"" conditional order. This allows you to take profits if the stock reaches a certain price. Say you wanted to take profits at 50%, that is if the price reached $15.00. So you would type in 15.00 in the box after ""If at or above ?"" and again select if you want a limit or market order. These conditional orders can all be placed at the time you enter your buy order and can be edited or deleted at any time. The broker you use may have a different process for entering conditional orders, and some brokers may have many more conditional orders than these three, so investigate what is out there and if you are confused in how to use the orders with your broker, simply ask them for a demonstration in how to use them."


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You have paid the vendor (school?), etc, $75.75 too much, for whatever reason. They can send you back this money, or it can apply against a future bill. This is common when I pay my credit card in full, but also have a store return. The bill can show a credit, but it will quickly get used up by new purchases.


Try looking at Transferwise. They have low fees and often beat the banks. They (broadly speaking) work by finding people who need to convert money the other way round and then just push money around in the respective local currency.


The average CIO I've encountered is technically incompetent to the point of not being capable of even self sufficiency with e-mail. They have never worked a day in IT in their life. They are generally an accountant or something and slashing budgets is all they know. IT is a cost centre, blah, blah, blah. They do this without being able to understand the significance of their decisions. They get their opinions from Forrester or Gartner reports they barely understand and which are often echo chambers of what other non-IT CIOs are doing, a.k.a. market trends. Add a sprinkle of whatever turds some smooth talking salesman can throw over the wall. They get bonuses for racking up technical debt under the guise of saving money. Support costs eat the savings and then some, which gets hidden under a mountain of bad bookkeeping and robbing Peter to pay Paul. An army of non-technical project managers spring up under them because of the mistaken belief that non-it people should run IT projects. Costs rise, morale sinks, tech debt skyrockets. People who could provide significant competitive advantage instead spend their days and nights lashing increasingly fragile infrastructures together with duct tape and bailing wire. The solution is obviously labour intensive management frameworks where IT people are made to generate mountains of processes that will amount to nothing when management and the business fail to follow through on their part of the commitment, in the complete absence of any accountability. After they fuck up any advantage to in house IT then it's time to outsource to achieve big savings... for one year, then prices go up, but they already cashed that bonus check. When they've irrevocably screwed up one company then they move on to a better position, to make a bigger mess. Lather, rinse, repeat. At least I'm not bitter.


Two weeks ago I used Megabus to get from Central PA to NYC (4 hour trip). It's cheaper, less stressful, and the WIFI did work most of the trip there and back. It was slow at times, but good enough to get some work done & surf reddit.


In Canada you get parental leave. 15 weeks for the mother ( to prepare & recover from birth ) and then 35 weeks that can be split between the parents at their discretion at 55% of pay. When the parental leave is done the employer is required to bring the parent back at full salary & benefits


I think you are a little confused. If you have 10.000€ in cash for a car, but you decide instead to invest that money and take out a loan for the car at 2,75% interest, you would have to withdraw/sell 178€ each month from your investment to make your loan payment. If you made exactly 2,75% on your investment, you would be left with 0€ in your investment when the loan was paid off. If your investment did better than 2,75%, you would come out ahead, and if your investment did worse than 2,75%, you would have lost money on your decision. Having said all that, I don't recommend borrowing money to buy a car, especially if you have that amount of cash set aside for the car. Here are some of the reasons: Sometimes people feel better about spending large amounts of money if they can pay it off over time, rather than spending it all at once. They tell themselves that they will come out ahead with their investments, or they will be earning more later, or some other story to make themselves feel better about overspending. If getting the loan is allowing you to spend more money on a car than you would spend if you were paying cash, then you will not come out ahead by investing; you would be better off to spend a smaller amount of money now. I don't know where you are in the world, but where I come from, you cannot get a guaranteed investment that pays 2,75%. So there will be risk involved; if the next year is a bad one for your investment, then your investment losses combined with your withdrawals for your car payments could empty your investment before the car is paid off. Conversely, by skipping the 2,75% loan and paying cash for your car, you have essentially made a guaranteed 2,75% on this money, comparatively speaking. I don't know what the going rate is for car loans where you are, but often car dealers will give you a low loan rate in exchange for a higher sales price. As a result, you might think that you can easily invest and beat the loan rate, but it is a false comparison because you overpaid for the car.


The calculations you suggest have some issues, but I think they are not necessary to answer the question: It sounds like you are buying the house either way. So the question really is simply whether to pay toward your house first or your loan first. In that case, the answer is simple: pay whichever has the highest interest rate first. Make the minimum payment on the other until the first is paid off. Remember this and make it your mantra for the rest of your life. If you have any debts (such as credit cards) that charge a rate higher than the two options you have presented, do them first. Now, be careful as you compute the interest rates. Most likely you can deduct interest on your mortgage, so its effective interest rate is lower [it is (1-T)*R instead of R, where T is your marginal tax rate]. For a while, the cost of mortgage insurance will make your effective mortgage rate artificially high, but it sounds like you intend to get to that 20% hurdle pretty fast, so my guess is that this is not a big factor. Congratulations on your bonus and good luck with your new home.


Hear that cackling off in the distance? That's Delta laughing their asses off and eating AA's lunch. Delta's not a demonstrably superior airline, normally, but they now have more destinations, fewer delayed/cancelled flights, and, uh, none of the cluster**** issues AA is dealing with now. I'm a platinum business traveler, and Delta matched my status and then some to steal me away a while back. Pretty much the same story with all the other frequent biz travelers I know.


They have these in Utah as well. I see 90% of people skipping them an going to the workers at the counter. I tried several times to order form these, half the food wasn't on the list, and you couldn't customize it.


"I doubt it. In the States you would only owe tax if you sold such an item at a profit. ""garage sales"" aren't taxable as they are nearly always common household items and sale is more about clearing out one's attic/garage than about profit. Keep in mind, if I pay for a book, and immediately sell it for the same price, there's no tax due, why would tax be due if I sell for a loss?"


Fuck managerial accounting to death. Anywho, I'm not sure what they mean by the variance being higher or lower in the budget. Variance in principle is the discrepancy from a budget and actual. I'll try to answer this from what I can see. The budget variance in this problem is unfavorable for Busy Community Support, mostly caused by a significant underestimating of your salaries expense in the budget.


Like in the US, more flexibility is extended to hidden orders. Australia has taken an aggressive approach to hidden orders in the direction of lower ticks. Aussies have a rich financial that evolved differently than the Dutch custom more familiarly known in the UK and US. They, like Chicago evolved out of commodities trade rather than trade. When commodities are worth nearly nothing per unit, larger precision comes naturally. For the Dutch, it was the opposite. A single ship would trade in 1/64 share or for the largest vessels, 1/128 share. Here, there's no point to high precision. New York, founded by the Dutch specialized in logistics just the same. To a man with a hammer, everything looks like a nail, so both Chicago, Australia, and other financial systems built by commodities rather than trade have extended the higher precision logic to everything else, and pricing is fantastic. It should not be a surprise why Australia has taken a lead in pushing infinite precision.


There are several reasons why this may happen and I will update as I get more information from you. Volumes on that stock look low (supposing that they are either in a factor between 1s and 1000s) so it could well be that there was no volume on that day. If no trades occur then open, high and low are meaningless as they are statistics based on trades that occur that day and no trades occur. Remember that there has to be volume to get a price. The stock may have been frozen by either the exchange or the company for the day. This could be for various reasons including to prevent some illegal activity. In that case no trades were made because the market for that stock was closed. Another possibility is that all trades that day were cancelled by the exchange. The exchange may cancel all trades if there is unusual, potentially fraudulent or other illegal activity on the stock. In this case the last price for that day existed but was rolled back by the exchange and never occurred. This is a rare situation. Although I can't find any holidays on that date it is possible that this is how your data provider marks market holidays. It would be valid to ignore the data in that case as being from a non-market day. I cannot tell if this is possible without knowing exchange information. There is a possibility that some data providers don't receive data for a day or that it gets corrupted. It may be worth checking another source to ensure the integrity of the data that you are receiving. Whichever reason is true, the data provider has made the close equal to the previous day's close as no price movements occurred. Strictly the closing price is the price of the last trade made for that day and so should be null (and open, high and low should be null too and not 0 otherwise the price change on day is very large!). Therefore, to keep integrity, you have a few choices:


> How do you feel about those English majors in community college? If it is free, or very cheap then it can be really great for those that love learning. Nothing wrong with majoring in English at community college, no different from spending time learning about Fantasy Football, or going to history re-enactments. Just don't kid yourself it will make you more employable. It is a hobby, and just as valuable as any other hobby.


I only see Boston working outside of the city. But in that case Los Angeles would include Orange County and cities like Irvine. It really depends on what they're looking for. Proximity away from current HQ. Proximity to Customers. Infrastructure for internet, driverless cars or drones. Workforce. Etc. Without knowing their priorities we can only guess based on what we assume they need and want.


"I find it hard to believe that cities like NYC or DC lack the regulation needed to ""stop"" service refusals. I've been turned down multiple times in DC based on location (DC to Arlington usually but not exclusively). The locals actually had a habit of not disclosing where they were going until they got inside the cab because the cabs so often refuse to serve certain areas. That's not a problem with Lyft. The driver sees the destination requested right there and can choose to pickup. Even if they actually wanted to refuse service for a customer, the customer has the ability to rate them which can lower their rating below the 4.5-4.75/ out of 5 rating needed to continue driving and will be completely refunded and taken care of by Lyft if a complaint is sent."


"Sounds fishy. If you're not sure what the job is, that's always a big red flag. The rep from the company should always provide a clear, bullshit-free job description. ""basically a sales job"" = red flag for ""mindless labor camp that they just need warm bodies for"" 'opportunity to ""make a lot of money""' = red flag for **not** an opportunity to make a lot of money"


"In economics, the term ""middle class"" refers to the middle 50% of incomes, excluding the bottom 25% and top 25%. The bottom edge of middle class is currently a household income of $22,500 per year in the US. That's poor. Middle class and poverty are not mutually exclusive. They used to be, but they aren't anymore. Also, quoting a source talking about extreme poverty, and absolute poverty in a discussion of poverty implies you don't understand the difference. Stop pretending that just because a bunch of people in china now aren't starving to death the world's economies are ok. They aren't. They're broken, and getting more so all the time. Our rapid technological progress has masked the effects, but economic collapse is becoming more widespread, and change will be needed to eliminate the problem. If you need an example of what's fundamentally wrong, look at Greece. Nobody has a plan to fix their economic trouble. They just keep kicking the can forward hoping the problem will go away as it worsens."


In today's low interest environment capital is cheap and relatively easy to come by. If a business has an idea for expansion it should be easy enough to get a business loan and have enough ROI that the interest is not a huge cost. There are many more ways to pay for business growth than cutting taxes


Actually, bond prices are technically high right now, so if and when rates theoretically go up in the future, bond prices will fall. The past 25 years for bonds have been great with falling interest rates, but it's not likely going to continue with rates not able to go any lower.


This is probably exactly how this type of thing developed in the first place! It's a relatively recent (last 30-40 years) accounting concept and was only really developed because, like you said, someone somewhere said, wait a minute let's break this down economically. Also, the larger the company, and more divisions, more parts, more countries, varying tax codes, etc. the exponentially more complex this stuff gets. One example that comes to mind: Verizon's back haul division operates at a huge loss because they charge so little to the cell division for line usage. The cell division makes 100% of the companies profits (although Vonage is technically a 40% minority shareholder which really complicates things) because it's costs are so low. If Verizon spun off the back haul division; however, the cell division would make a lot less. Most likely Verizon wants to lose money on back haul operations as it gives them political leverage (pipes are full, we need subsidies). Just thought you might find it interesting!


No they invest in growth so immensely that they eat up all their profits. When you hear about Amazon buying their own planes and starting their own delivery and drones and buying Whole Foods, etc. All of those things cost money. Money that Amazon is making. But they are spending almost all of it. Therefore showing little profit. For years investors didn’t understand Bezos style and they expected earlier returns and year after year he didn’t deliver But year after year the company grew and so did its revenue. Not a ton has changed although they are more profitable today for sure.


As a lifetime car/driving/racing enthusiast: The modern driving experience is such shit. Traffic is terrible everywhere you go. There is constant road construction. Our crumbling infrastructure ruins suspensions once you actually manage to break out of traffic and build some speed. For pleasure cruising you get beat to death and tar/paint/road debris ruin your cars finish. Assuming you find a nice stretch of pavement that has been maintained since the Eisenhower administration with no traffic, there are overly aggressive speed cameras in place, or some dickhead with a badge out to make a quota. I got a speeding ticket last year for 3 over. 3 fucking MPH over, and it cost me almost $200. TL;DR: Cars are awesome. Driving anymore is no fun.


No, it isn't. The idea that you need a college degree for most professions is ludicrous. Despite having years of professional experience in a field, employers require costly degrees that possess little relevance to the skills required to perform the job. Specialized, scientific oriented, degrees are reasonable for very specific fields. But degrees should not be used as a bar to entry or advancement by employers as it is now.


If the time horizon is 5 years, I don't think that playing games with Roth IRAs or investments is really productive. I'd look at an online savings account as a holding place for this money. EDIT: Another option is the US is Savings Bonds. The rates earned right now are poor (as of 04/2011 EE bonds earn 0.6% and I bonds yielded 0.37%), and there is an interest penalty if you redeem them in less than five years. But, they are not state taxable, and you can defer tax payments until you cash them.


I love working for a CU. Our CRO revels in articles like this. He will post them and tell us this is why we do what we do. We would rather be financial physicians. Our job is heal financial worries and get people on the right path. I have seen our lenders convince folks to not take a loan best that is truly in their best interest. I have seen our investment group tell folks that their investment goals and personal goal don't line up and honestly they should wait. We also do crazy stuff like identifying folks who live in the flood zones and offer them 90 day loan deferment with no fees. That and a care loan for repairs. It's an insanely low interest loan (2%) to help folks get their repairs done. We also lowered our credit requirements for that to where just about every who needs it qualifies. It's also hard to get fired. If you don't hit your sales goal it's ok. You will not lose your job. Yes we are encouraged to meet our goals with incentives but we pretty much get paid something no matter what you do. Pretty much the only way to get fired is to pull a Wells Fargo. If you do something like that your ass is not only fired, the CRO will personally come down and will kick you out the door. Hell, I wouldn't be surprised if if he then tied you to his car and dragged you down the street. And you know what, it's working. We are repeatedly breaking every record we set for ourselves. Record loans, record deposits, record account openings. And you better believe that is heavily audit internally and externally. We actually hire auditors to make sure this crap doesn't even start. TLDR; Wells Fargo is the devil. Credit Unions Rule!!!!!


The best thing to do is not worry about what time is best to buy but put in a conditional order before the market opens. If your conditions are met during the trading day your order will go through and you will buy the shares. This keeps your emotions out of your trading and will stop you from either chasing the market or buying when you consider the wrong time. As you have already done your analysis and made your decision before market open, thus you should place your conditional orders and stop losses before market opens as well.


If I was bank, I certainly wouldn't give a **30 year** mortgage to a **57 year old** with a property which is worth less than the mortgage! And I don't see why a bank should. I get that it sucks for him to have a 6.35% interest mortgage, but that situation sucks for the bank as well. I wouldn't offer a lower interest to someone in that sort of situation.


I would bet that Uber is bought out or goes public before it fails (failing is the only scenario in which Kalanick gets nothing). They're not going to turn a profit anytime soon which means there will be pressure to return value to investors and there will be a need to raise additional capital somehow. Kalanick is going to have an opportunity to cash out billions when that happens.


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What are the misconceptions? And why do you feel the hate is undeserved? From what I've seen, most people have a pretty accurate impression of what these places are trying to do. It's a business that tries to skirt the edges of gambling laws while still letting people feel like they're gambling. Which pisses people off on two fronts - it brings gambling to places they don't think it should be, and it's a often a transparent attempt to get around following the rules. Both of which are pretty reasonable things to be annoyed by.


My concern is that just moving the balance will make you feel like you've accomplished something, when you really haven't. Sure you'll save on interest but that just reduces the rate at which you're bleeding and doesn't heal the wound. It's entirely likely that you'll feel freed by the reduced balance on the original card, ignore the transferred balance since you aren't paying any interest on it, and soon you'll have two cards that are maxed out. I would instead look at getting your expenses under control. Make sure you have the start of an emergency fund - 1-2k depending on your family situation. If you are single start with 1k; if you have kids bump it up to 2k or maybe a little more just to avoid charging any expenses. Get on a written budget, and don't spend any money in the next month that is not accounted for. Then you can figure out how much you can afford to put towards the credit card. That will also tell you how much interest you're going to pay. The only way I would recommend the balance transfer is if the interest savings (after the balance transfer fee) reduced the time it takes to pay off the card by two or more months (since one month isn't going to make a big difference interest-wise), and you immediately cancelled the original card, and cut up both cards (including the new one), making payments by mail or online. Other than that, the interest saved after the balance transfer fee probably isn't worth the risk of being in a worse situation on the other side.


Yes! This has bothered me for years because it's really obvious on the level of small businesses. Any material/service cost goes up- ugh fine I guess we have to pay to stay in business..... Can't find anyone to break their backs for $9/hr? They'll do literally anything rather than pay more. They will fuck up their business for years trying to find a way to pay the same labor costs.


The problem,I imagine, is finding humane people who want to kill 1,000 turkeys an hour. I'm sure some laborers abuse heads of lettuce but it doesn't make the news. Personally I think the only answer is to eat a lot less meat.


Nope sorry guest you are wrong. how can salary and an expense be on the same side of the ledger? Salary 2000 Personal bank 2000 Phone expenses 30 Personal bank 30


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> And for a brand new company, you can sure as shit guarantee that as an owner, you'll be held personally liable. You are personally liable for any debt you personally sign off on yes. But you are not personally responsible for more than that debt. So if you take a 30 thousand dollar loan to start your business, your company hasn't been profitable and lost 20 thousand and your employees sue the company for 25 thousand. The company has 10 thousand to pay that with. The owner is still liable to pay the lender the 30 thousand, but has no obligation to the employees of the 25 thousand they are suing for.


The article links to William Bernstein’s plan that he outlined for Business Insider, which says: Modelling this investment strategy Picking three funds from Google and running some numbers. The international stock index only goes back to April 29th 1996, so a run of 21 years was modelled. Based on 15% of a salary of $550 per month with various annual raises: Broadly speaking, this investment doubles the value of the contributions over two decades. Note: Rebalancing fees are not included in the simulation. Below is the code used to run the simulation. If you have Mathematica you can try with different funds. Notice above how the bond index (VBMFX) preserves value during the 2008 crash. This illustrates the rationale for diversifying across different fund types.


It doesn't matter if he is Russian.... Putin is not trying to be a Stalin. The west has been holding Russia back since the days of the Czars, Russia will never conform to the ways of the west so this angers the Western trading blocs like the EU, America, Japan now etc.... Putin is not a dictator when he has more support from his people than Obama does of his. What Obama does have is the support of the rich however, which Putin does not. The sanctions being placed on Russia are targeted to effect the richest Russians with hopes they will overthrow Putin themselves. They are losing more money with every sanction placed, where the lower class Russians do not feel the sting of the sanctions as much as the rich so they continue to support their President. the USA seems more like a dictatorship these days than does Russia. Our government has gone to a Monarchial system lately where Congress is being bypassed completely simply because the President wants to take action. Our government cannot get anything done, so corporations that were founded in the USA are leaving at an astounding rate to save money on taxes.. Putin does not feel that Russia is the only country in the world when he does a huge deal with China and Iran. Obviously he knows that he has to have allies and since the West has alienated Russia thoughout history, they have to turn to China. Also you have the BRICS bank, which will be a huge hit to the Western superiority that has existed for centuries. I don't care if he is Russian, Putin's actions contradict what he is saying. He is only alienating the traditional western powers while aggressively working with BRICS countries, Iran and many others.


The prices seem very low even considering the risk? The prices are low because of the risk. Nothing happens to the banks if the sovereign defaults. However, the sovereign debt holders - lose some or all the money they lent to that sovereign. Incidentally, many banks invest in the treasury bonds of various countries, especially those they're located in. They also invest in other companies that rely on the government, or the currency. If that dependency is too high - the bank may fail. If the dependency is not high, or non-existent - the bank will survive. If the bank fails - yes, your shares will be wiped out, that's what happens with bankrupt companies. If you considering investing in banks in a country that you think may default - research them and see how much investments they have that will be affected by that default.


The overall % decrease in imports won't be enormous but that ignores the nature of food as a tradeable good. Food behaves as a fungible good in the short term (1-2 years). There is a minimum time needed for maturation of crops and livestock. There's also very little slack in the supply chain, adding significant ramp-up/construction time. Russia's partners can't just snap their fingers and produce 10-20% more food, they'll likely export a larger amount of their domestic production and make up the gap with the excess supply from the EU and US markets. If Putin can keep things together through this interim period of scarcity and inflation then he'll be fine but it won't be smooth sailing.


The issue for you seems to be the sequence of events. Presumably, there will be a gain in the fund. In one year, you have a fund worth $100,000 and the $8500 your netted from the $10,000 dividend. (Dividends are taxed at 15% for most of us. If your taxable income is under $38K single, it's $0) An $8500 net return for the year. Now, if there were no initial dividend, and at the end of a full year, your $100K grew to $110K, and then gave you the $10K dividend, you might not be so unhappy. Even on day 2, you now have a fund worth $90K with a basis of $100K, and the promise of future dividends or cap gains. When you sell, the first $10K of gain from this point will effectively be tax free due to this quick drop. To directly answer the last few sentences, dividends and cap gains are different. And different still, for the way a fund processes them.


"There's a very important sentence in that article: > "" Forstall is abrasive and disliked by a number of others at his level inside Apple — people like head designer Jony Ive, who allegedly refused to take meetings in the same room as him."" Jon Ive is a very important person at Apple: http://en.wikipedia.org/wiki/Jonathan_Ive > ""He is the lead designer of many of Apple's products, including the MacBook Pro, iMac, MacBook Air, iPod, iPod touch, iPhone, iPad and iPad mini"""


Your friend is investing time & money in a business that does not list an address or phone number on its website, not even in its 'press kit'. Even when they make a press release about moving into a new building, it does not list the address or even the street! C'mon, this is obviously a scam. No real business acts like this.


From your comment: My salary through 7/31 could pass for an annual salary for the industry. I suppose that’s relevant? That information would certainly be relevant if you were the owner since the beginning of the year. If that were the case then I would say you'd be fine skipping the salary for the rest of the year. It would be equivalent to simply front-loading your salary. However, since you didn't own any part of the company during the time you received the salary, I believe you should think of that salary as if it came from an entirely different company. This means that during the 5 months you owned the company you will have taken $0 in salary, and I believe that would not be reasonable if this job is your main source of income. As a side note, regarding this statement you made: During this time, I'd like to avoid the employer half of FICA taxes incurred by paying myself through payroll. You'd actually be avoiding both the employer and employee portion of FICA, since both sides of FICA are paid for employee compensation. FICA is not paid by either side on company profits.


The very first time I bought a new car I wrote out a personal check for $5000 (this was a looong time ago!). And got a call from the sales person that he had called the bank and was told that I did not have that much money in my checking account! I explained that I had just that day transferred money from savings to checking. The sales person accepted that and there was never a problem after that.


They didn't have more **going into** the war. I would be really surprised if they didn't have more relatively short term debt as they were **in the midst of a global freaking conflict**, man. Well I'll be damned, we both want the same thing. I just don't want to open the unlimited money taps without carefully considering how long we can leave them open Edit: If you're deciding whether or not to spend a crap ton of money you don't have, it helps if you haven't already spent a crap ton of money you don't have


"The short answer is ""No"". There a 2 ways to get cash from a life insurance policy. If the policy has cash value greater than the surrender value, then the difference can be borrowed, but will generally increase premiums in the future. The other method, available on many term policies allows the owner to receive part of the death benefit if the insured has a physician willing to certify that he/she will probably pass away within a 12 month period. Several carriers also offer cash benefits for critical care."


My spouse and I have our non-retirement savings in the following mental categories while house shopping: You will absolutely need 1. I highly recommend 4 & 2. 3 is a personal choice.


When corporations have as much impact and power over our lives as a government should we really just let them walk over our civil rights? If I can't get a credit card because of my political ideology how am I supposed to function? How am I supposed to build credit, get a lot an, or buy a house? At what point do I have to give up my life, liberty, and pursuit of happyness because a private corporation has effectively banished me from society? Governments shouldn't be able to oppress and neither should corporations.


You are right about the stock and index funds, with dollar cost averaging over several years, the daily price of the security (especially a dividend paying security) will not matter* because your position will have accumulated larger over several entry points, some entries with cheaper shares and some entries with more expensive shares. In the future your position will be so large that any uptick will net you large gains on your original equity. *not matter being a reference to even extreme forms of volatility. But if you had all your equity in a poor company and tanked, never to rise again, then you would still be in a losing position even with dollar cost averaging. If your only other holdings are bonds, then you MAY want to sell those to free up capital.