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12740 | Technically, the difference between dividends and growth ought to be that dividends can be reinvested in stocks other than the one that paid them, which is a definite advantage if you actually have a strategy. Dividend -paying stocks used to be preferred for exactly that reason, back in the days when fewer people were... | [
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12746 | Among the other fine answers, you might also consider that owning a vehicle outright will free you from the requirement to carry insurance on the vehicle (you must still carry insurance on yourself in most states). | [
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12749 | Is he? Specifically relating to his comment on tech / programming firms; good ones hire you for your problem solving abilities, your networking skills, or so-forth. They don't want to hire a tool for one specific problem if they can hire one that fits many. This mentality fits many other trades. Why hire a tradesman ... | [
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12757 | "Absolutely no conditions. The central bank just uses the money as if it were real money, which is technically becomes. They just simply buy financial products. It's as if I had a printing press in my basement. I would just print the cash, then walk into a store and buy some products. Anyone with half a brain can ... | [
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12779 | Depending on the structure of you're portfolio, it could be that your portfolio is delta neutral to take advantage of diminishing time value on options, short straddles/strangles would be an example. | [
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12781 | "The most important thing to look at is the FDIC insurance. Savings accounts are covered. Money markets - not necessarily. Online savings accounts provide rates of ~1%. Look at American Express, Ally, Capitol One, ING Direct, E*Trade, etc. The ""pledge"" basically brings EverBank into the same list, as they all have si... | [
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12782 | Your question may have another clue. You are bullish regarding the real estate market. Is that for your city, your state, your nation or for the whole world? Unless you can identify particular properties or neighborhoods that are expected to be better than the average return for your expected bull market in real estat... | [
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12787 | There is no law requiring someone to return a refused check. You need to clarify whether this payment is to establish a retainer, or to pay for services rendered. Either way you should stop payment on the check and send them a certified letter explaining that you are stopping payment on the check because they refused i... | [
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12809 | I guess 15 years of practicing law, successfully I might add, in the realm of torts (including dozens upon dozens of negligence actions a year, just about all of which were covered by insurance) has been a mirage. Thank you dtank88 for setting me straight. Goodbye. | [
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12819 | "Attitudes like what? Is it suddenly a bad idea to recognize when things are challenging? I don't think it says anywhere in that article that these people are fat by no fault of their own. I agree that the tone of the article has a sort of resignation to it... but there's nothing explicit in there that says ""they have... | [
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12822 | avoid corporation tax There aren't many avenues to save on corporation tax legally. The best option you can try is paying into a generous pension for yourself, which will save some corporation tax. Buying a house You can claim deduction for the mortgage payments, but profits on selling the house will require paying cap... | [
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12865 | "Nestle owns more than 8000 brands worldwide. Remember that ""chinese"" Melanene in baby formula scandal? What you didn't hear is that was a Nestle company. If you want to avoid Nestle water you need to avoid Perrigrino, Nestea, Perrier, Poland Springs and Vittel. There are basically 10 companies that control the world... | [
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12870 | Wine is often invested, as is whisky and some other spirits And fortified wines that have particular vintages, such as port. You need to be particular about which ones to invest in though. Top vintages of wine and port can rocket in value, to make the big profits you need to buy the new vintage before everyone realise... | [
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12879 | "You can see how much of a percentage the S&P 500 is of the GDP over the past 10 years in this handy graph: https://fred.stlouisfed.org/graph/?g=oCZ When the stock market was doing poorly (2009) it was only 0.06% of GDP. When it's doing well (now) it's 0.12% of the GDP. It's also not useful to directly compare p... | [
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12885 | If you bought 5 shares @ $20 each that would cost you $100 plus brokerage. Even if your brokerage was only $10 in and out, your shares would have to go up 20% just for you to break even. You don't make a profit until you sell, so just for you to break even your shares need to go up to $24 per share. Because your share ... | [
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12895 | > A huge corporation would have had an arbitration clause so that there couldn't be a class action. Depends on where the class action is pressed. Many states have statutes that prevent arbitration agreements from being binding. CA for example. | [
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12899 | Full disclosure: I’m an intern for EquityZen, so I’m familiar with this space but can speak with the most accuracy about EquityZen. Observations about other players in the space are my own. The employee liquidity landscape is evolving. EquityZen and Equidate help shareholders (employees, ex-employees, etc.) in private ... | [
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12906 | "If you are a resident of New Zealand for tax purposes, you will be taxed in New Zealand on all of your ""worldwide income"". This is income derived from New Zealand as well as income derived from all other countries Source: http://www.ird.govt.nz/international/nzwithos/income/overseas-income-index.html Another link th... | [
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12917 | "That's the way the markets work in THEORY. In actual fact, markets are subject to ""real world"" pressures. That is, there are so many things going on in the market that the end of the ""Lined In"" lock up is just one of many. To produce the result you describe, traders would have to hold cash in reserve for this so-c... | [
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12924 | Is it true you have to file papers with the government in the US to withdraw large sums of cash at your local bank branch? It's true that a currency transaction report (CTR) gets filed with FinCEN (Financial Crimes Enforcement Network) when you make a cash transaction in excess of $10,000. Banks have systems that do ... | [
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12926 | yeah it sounds good but it includes a flaw that free marketeers wish was true but isnt. That this wouldnt have happened had they been allowed to fail. It is anthropomorphising corps. When mega businesses fail,it's not like the ceo, executives and traders have to open up their wallets. Look at what happen with leaman or... | [
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12940 | This is a frequent problem for anyone with a large amount of deductions, whether it is student loan interest, home mortgage interest, charitable contributions, or anything else. As an employee getting your tax withheld from your check, your options to reduce the amount withheld are limited. The HR department has no co... | [
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12957 | I'll go ahead and assume the lack of insightful comments in this thread means everyone else is having just as much trouble forming an opinion on this as I. Which one is the bad guy here: Cook (and others) for meeting with Trump, or Zuckerberg, for *not* meeting with Trump? Who the fuck knows. | [
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12959 | Today, if your SEO specialist isn’t providing you with holistic lateral solutions defined below, then you aren’t getting much value. Competing online has taken on a whole different turn and if you aren’t doing what is required you won’t stand a chance to stay in the game for long. | [
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12961 | "It's also worth thinking about minor ""emergencies"" when the location of your cash may be more important than the amount. I keep a baggie of change and small bills in my glovebox for meters and tolls. I keep a ten dollar bill in my armband when I go out for a jog or bike. Those little stashes have saved me more than ... | [
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12987 | Unfortunately, if your taxes are too complicated for the 1040EZ form, then your tax situation is effectively unique and you need to try both options and see for yourself which one is better. If you do your taxes yourself, you may be more likely to do a more thorough job in digging everything up. You might even find th... | [
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12988 | Edit: lazy math The answer to this question depends on two things: How bad will it be if you cannot repay this loan in the way you expected? - How likely are you to actually get into a PhD program with a stipend? Is there a possibility that you will not get a stipend? What is the penalty for failure to repay? Will yo... | [
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12990 | Middle class taxes are about as low as they have ever been. They are certaily much lower than most of the industrialized world. >So proportionally the middle classes end up paying the most tax and gets the least for it. No, the rich pay the largest percentage of the tax dollars and they pay more per dollar earned ... | [
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13013 | There are a number of mutual funds which claim to be 'ethical'. Note that your definition of 'ethical' may not match theirs. This should be made clear in the prospectus of whichever mutual fund you are looking at. You will likely pay for the privilege of investing this way, in higher expenses on the mutual fund. If I m... | [
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13018 | I hear this story all the time. Before they were afraid to let someone science on their face. They thought they might get a little science in their eyes, or it might taste too salty. Then one day, they finally let someone science all over their faces, and they loved it! | [
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13032 | > And just out of curiosity what do you do to unwind? Run, go to the gym, come on the computer, go out with friends, watch a movie, etc... You don't need a drug to unwind, if you need a drug, see a psychologist. > You don't drink or use tobacco or anything of the like? I drink like once a month socially. I h... | [
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13034 | Why would I ever choose to open a savings account? This is slightly broad and opinion based. If the interest rates are same and other aspects are same [or same to you ... for example savings account allows say 6 debits per month and you only need 4, then its same]. Unless one compares the specifics one can't decide. A... | [
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13035 | Wow, First off bravo, never have I seen such blind devotion to a cause outside of religion. Second, Capitalism will only lead to one path, the rich get richer the poor get poorer. There is no other outcome. If you think that because he is a republican he can just create jobs? No there has not been a good/decent repub... | [
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13037 | We trust an ideal approach to make an incredible client experience is by the significant comprehension. If you are writer and stories narrator, then you can visit our website travellingcamera.net, we are the best platform for your improve writing and experience sharing skills. If you want to read stories related politi... | [
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13046 | In theory, in a perfect world, what you state is almost true. Apart from transaction fees, if you assume that the market is perfectly efficient (ie: public information is immediately reflected in a perfect reflection of future share value, in all share prices when the information becomes available), then in theory any ... | [
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13071 | Agreed that the CEO is lame and only in it for himself in the meantime. But regardless what Lampert does, he has lost billions on Sears already just over time and his recent actions will just recoup a small fraction of it. There is no way he's going to make back his investment. What I don't see how in this economy t... | [
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13072 | "Once again, do you have any specific reason why you think bitcoin wont succeed? ""you guys"" never have any real arguments as for why bitcoin will fail, and if you look at the facts, bitcoins are worth more now than they have ever been. You can believe whatever you want, but the market has spoken" | [
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13083 | The risk is that everything could go wrong in any phase at any time or they could run out of cash and go bankrupt waiting for results. Then there is the FDA that might take forever in approving their drug, or not approve it at all. Human trials could go horribly wrong. The company may be incompetent in bringing a produ... | [
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13118 | "You do realize this pipeline crosses almost every major river in the south east and east coast right? I'm detecting a lot of hyperbole from you. As far as DAPL and its ""actual value"" businesses don't go and build new pipelines for fun. It's expensive and time consuming. There has to be a return on investment." | [
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13129 | Hopefully this doesn't come across as me being a jackass (I'm really not trying to be), but... Is this just your assumption, or do you have a source for that statement? I'm actually interested -- would love to read something more in-depth. All I could find is [this](http://iphone.appleinsider.com/articles/17/01/20/r... | [
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13139 | "In my experience when a salesperson says a particular deal is only good if you purchase right now, 100% of the time it is not true. Of course I can't guarantee that is universally the case, but if you leave and come back 5 minutes later, or tomorrow, or next week, it's extremely likely that they'll still take your mon... | [
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13141 | Dan Caplis Attorney Dan Caplis is an excellent and well-respected trial attorney who has practiced law since 1983. He is the founding partner of the Law Offices of Daniel J. Caplis. In the more than 30 years he has practiced law, Dan Caplis has helped his clients seek the maximum compensation for their grievances. In f... | [
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13149 | The parent company is likely to own other assets, which can be badly performing. Spinoffs are typically the better performers. There are also other factors, for example certain big funds cannot invest in sectors like tobacco or defense and for conglomerates it makes sense to spin those assets off to attract a wider inv... | [
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13153 | "Marketing, namely advertising (Facebook, Google ads, maybe magazines, etc.) Despite all the nice words about ""healthy, green, and socially responsible"", the business of this company (and many, many similar ones) is not ""providing information"". It's affiliate marketing - getting people to click through to retail si... | [
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13161 | "It's an interesting opinion piece. There seems to be little evidence that he provides to justify his claim. His key points were: ""While the president promised Guam's governor that tourism would go up ""tenfold"" because of media attention from his Twitter tirades about North Korea, the numbers tell a different tale... | [
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13183 | Might be good if you want to be a Business analysis. But from everything I have heard about a comp sci major it is almost useless for actually learning stuff Edit: Seriously. Both of my friends are programmers and go on and on about how everyone who comes out of college with a comp sci major doesn't know shit about pr... | [
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13186 | >Despite sustained job growth and lower levels of employment, most Americans do not think the economy has improved This is such bullshit and I'm tired of hearing it. The unemployment numbers are fixed. Everyone knows this yet the media loves to pretend it's not the case. It's becoming propaganda at this point. | [
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13187 | As for point c if you believe that it is a requirement for companies to pay above welfare levels then campaign for that to become law. Companies are required to act in shareholder interests which is what they do. Your point a is about sales/profitability, unless you believe that employees working happier/better will ... | [
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13195 | It is not from the benevolence of the butcher, the brewer, or the baker, that we expect our dinner, but from their regard to their own self-interest. Why would I pay more for something when I have the opportunity to buy them for cheaper? Do you avoid wearing most clothing brands and stick with American Apparel and sim... | [
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13202 | Your question is a bit confusing, you may wish to edit it to clarify the meaning. If we broke up or he stops paying, can I take the car back again? No. Just as if you sold me or the guy down the street your car you cannot just simply take it back. Being someone's boyfriend does not grant special privileges to you or h... | [
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13209 | You're technically 'allowed' to do other investments with your Roth, but you get taken to the cleaners by the financial 'services' community who wants to take a slice. Non-securities investments from a Roth typically require a 'custodian' or other intermediary to handle your investment, e.g. buying silver coins and pa... | [
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13215 | "No, you do not need an OCI card to continue to have an NRE or NRO account. You are now classified as a PIO -- Person of Indian Origin -- (and you don't need to have a PIO card issued by the Government of India to prove it) and are entitled to use NRE and NRO accounts just as you were when you were a NRI (NonResident I... | [
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13217 | "In addition to the other answers it's also noteworthy that the stock exchanges themselves adjust the price quotes via their ex-div mechanism. All limit orders present in the book when the stock goes ex-div will be adjusted by the dividend. Which means you can't even get ""accidentally"" filled in the very unlikely ca... | [
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13220 | I don't buy a Blackberry because it's archaic. Same reason I don't buy a Nokia. Phones are 90% image and 10% functionality for some stupid reason. It's always been that way ever since the first car phones came out. Blackberry definitely fell out of touch with the market. It's all big touch screens, sharper pixels, an... | [
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13228 | Now sweetums . .its the Fed that buys US treasuries to keep the Yield down . . .wait but how can that be? How can the Fed be the biggest holder of US treasuries . . .that would be like sucking your own dick . . .but hey . .its good for the economy Its a good thing we have bred fucking Morons or the dollar might go i... | [
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13240 | Because they receive compensation (generally interest + dividends) for loaning out the shares. I own an asset X. Somebody else wants to borrow asset X for some time period. I agree to loan them asset X in return for some form of compensation (generally a rate of interest plus, in this specific case, any dividend pa... | [
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13246 | The customer has the choice of picking their coveted essay author for the culmination of scholarly papers, essays and research projects. Our custom written work services concentrate on delivering the best outcomes for understudies through improving their essay mba assignment writing service with a specific end goal to ... | [
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13260 | Options reflect expectations about the underlying asset, and options are commonly priced using the Black-Scholes model: N(d1) and N(d2) are probability functions, S is the spot (current) price of the asset, K is the strike price, r is the risk free rate, and T-t represents time to maturity. Without getting into the m... | [
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13275 | I've changed jobs several times and I chose to rollover my 401k from the previous employer into an IRA instead of the new employer's 401k plan. The biggest reason not to rollover the 401k into the new employer's 401k plan was due to the limited investments offered by 401k plans. I found it better to roll the 401k int... | [
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13299 | "First: do you understand why it dropped? Was it overvalued before, or is this an overreaction to some piece of news about them, or about their industry, or...? Arguably, if you can't answer that, you aren't paying enough attention to have been betting on that individual stock. Assuming you do understand why this price... | [
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13304 | ">You are starting from false premises built on politically driven economic theories. The reality does not square with anything that you just wrote. I like to see the historical evidence (statistical, not anecdotal) for that. I'll provide a good starting point for you: [list of recessions in the United States](h... | [
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13318 | I am an instructor who teaches Financial Modeling courses to investment bankers in NYC. Looking at the model, I do not see anything wrong with it. There are just too many assumptions. I would rather use the Multiple Value for the Terminal Value calculation, but, it will not make any significant differences. Some more t... | [
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13325 | I can't imagine any scenario under which this wouldn't be a scam, and frankly I'm a bit surprised to be talking about it once again. Any time someone you don't know and who doesn't know you wants to give you money for no good reason and asks you to provide personal information and bank info, there should be enough al... | [
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13346 | You won't know what the exchange rate will be when you convert AUD back to USD when you eventually want to spend your money unless you hedge. the movement in fx rates could easily outweigh any benefit received from higher interest. As far as i am aware the way the hedge is constructed you will lose any benefit from fo... | [
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13357 | If your goal is to simply save money on shaving supplies, there are easier ways to do so. If you are buying the latest Gillette multi-blade razor cartridge, then yes, you are spending a lot of money on razor blades. Consider switching to an old-fashioned double-edge safety razor. Pick up a nice razor for $20 - $50 (I... | [
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13376 | Believe it or not, what they're asking you is not as unusual as you might think. Our company sells a tremendous amount of expensive merchandise over the Internet, and whenever there's something odd or suspicious about the transaction, we may ask the customer to provide a picture of the card simply to prove they have p... | [
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13388 | We provide all types of gold, silver and diamond jewelry in the world through the web.Our products are some of the most glorious and contemporaneous pieces of jewelry. We have best-personalized jewelry and necklace categories such as name necklaces, Gold heart necklace, personalized gold necklace and much more. For any... | [
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13396 | Well, judging by the guys at my local BK's they're using the microwave way more than they should be. I mean, it's one thing to quote policy, it's another when I watch the dude take my burger out of the tray and pop it in the nuker like it's nothing. | [
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13398 | A CPA or Enrolled Agent can be helpful, especially if you have a complicated situation such as owning your own business. The people at a lot of tax-prep places don't have many qualifications (they are not accountants or enrolled agents or certified financial planners or anything else). They are just trained to enter st... | [
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13465 | "LOL!!!! You want nucelar weapons at the hands of ""Palestinians"" or even Muslims/Arabs. Sure. Hamas, the terrorist organization, will be great with nuclear weopons. (Did you forget to take some pills today?) All Arabs countries, all(!) of them, are not worried that Israel have nucelar weopons. Actually, they are g... | [
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13483 | "A lower price is likely to be slightly more attractive to sellers than paying an equivalent amount in closing costs. The seller is going to be paying the realtor(s) commission on the higher ""sale"" price and will net slightly less money. It is common in my experience to ask for closing costs. The generic answer for ... | [
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13495 | I do. Women got to pin pictures of their dream things to ooo and ahhh with over the internet. It mimics the way they communicate in real life. If they could somehow figure out how to do e-mimosa's it would be unstoppable. | [
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13496 | An Indian citizen who is not a resident of India (an NRI) or a Person of Indian Origin (a PIO) is not permitted to sell or gift immovable property in India (real property for US readers) to another NRI or PIO; the property must be sold or gifted to a resident of India. So, assuming that the property in question is in ... | [
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13511 | Remember that prices refer to discrete events in the market - trades - it is easily possible that the highest price for a trade in the next period is lower than the highest price in the current one as someone in the current period may be willing to pay more in this period than anyone in the next. The ending price of a ... | [
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13513 | Start with Options, Futures and Other Derivatives by John Hull. | [
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13524 | It just states that the price doesn't justify the valuation which is not a factual statement. Also this is based on someones opinion of the companies P/E. The P/E was published and public information and idiots on both the buy and sell side jumped in. The article does not make a factual claim about Fraud (cooking the... | [
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13530 | Ha I'll probably be down voted with this too but, I guess we have a bunch of selfish capitalists in here. Yes, in our current system that situation is luck. No doubt you and your father worked hard to get you where you are today, but there are others working just as hard that wont be as lucky. Your father had a fair... | [
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13543 | "First, PLEASE, I asked before and I think it's very important for you to think and answer this question: is there a chance that Susan is a great person as you claim she is, and this whole incident is due some incompetent idiot IT experts working for her? If you answer that question, correctly, you will understand eve... | [
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13545 | "Well, stay in ignorance then and ""trust"" the official sources and listen to the ""official story line"" all you want -- just don't call it ""science"" because it's not, it's *politics*. (I mean they would never LIE to you would they? Saddam MUST have had WMD somewhere... etc.) What you are neglecting is that most o... | [
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13573 | "Thanks! I came across many books on credit risk in my google searches - what I'm really looking for is which one is the ""industry standard"" reading (does that make sense?). For example, in derivatives, everybody recommends John C. Hull's Options... book. Why of all the CRM books, do you recommend those three in par... | [
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13582 | tl;dr: Be patient, money is probably sitting somewhere, and it will eventually be credited back to your account. I had a similar problem about 10 years ago. I sent an international wire transfer, from my own bank account in Germany to my bank account in Central America. I had done this before, and there had been no is... | [
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13586 | With the S&P 500's cyclically adjusted price to earnings ratio above 26 and inching closer to 30 everyday I would be inclined to disagree. Also price trends and technical indicators say nothing about over and undervaluation. If fact technical indicators are worthless in the real world. | [
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13596 | You have two different operations going on: They each have of a set of rules regarding amounts, timelines, taxes, and penalties. The excess money can't be recharacterized except during a specific window of time. I would see a tax professional to work through all the details. | [
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13602 | Save what you can. Due to compounding of interest, saving early is much more advantageous than saving the same amount later. Obviously you need money to live on, and you're entitled to spend some money on entertainment -- but set a budget on that and stick to that budget. Buying toys now deprives you of better toys lat... | [
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13621 | "I read Rich Dad, Poor Dad and I must say, found a lot of value in it. And I like to think I have a very good understanding of finance - both personal and corporate. Econ major, have worked at several major brokerages dispensing financial advice for a living, including at my current employer. But I do remember, back... | [
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13631 | The answer provide by @mbhunter is correct, however there are contexts, shorting in spot market and carrying the position over settlement usually does not entail payment of dividend to the broker, one of the reason being post ex-date the price of the share downward adjusts to the extent of the dividend, so practically ... | [
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13645 | Aside from the fact that there are massive problems with taxes, liability, fiduciary responsibility, and (assuming you're accepting any sort of compensation at all) licensing. The mere fact that you're asking this question indicates that you're probably not suitably qualified to handle this for others. Why not have som... | [
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13656 | The first thing I assess when looking at new credit cards is whether it has no annual fee, the second thing I look at is how long the interest free period is. I always pay my credit card off in full just before the due date. Any rewards program is a bonus. My main credit card is with CBA, I have a credit limit of $20K ... | [
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13657 | In short: yes, as long as you have Internet access. See, for example this question or this one about opening a brokerage account from outside the US. Your sister could even open an account here in the US and provide you with access. However, I'm guessing you're not a registered or even formally trained financial advis... | [
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13666 | "This is the best tl;dr I could make, [original](http://www.latimes.com/local/lanow/la-me-prison-costs-20170604-htmlstory.html) reduced by 75%. (I'm a bot) ***** > The cost of imprisoning each of California's 130,000 inmates is expected to reach a record $75,560 in the next year. > Gov. Jerry Brown&... | [
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13672 | like any share, valuing facebook requires a projection of earnings and earnings growth to arrive at a present value for the right to share in these future earnings. there are economic arguments to be had for facebook to see either a negative or positive future long term net income growth. given the uncertainty we can... | [
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13679 | Less than 1/5th of the country. Narrowing down the demographics based on margins it was rural, uneducated, 45-64 year old white guys who weren't bothered by Trump sexually harassing women that really got him the vote [according to the exit polls.](http://www.foxnews.com/politics/elections/2016/exit-polls) | [
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13680 | The Trump tax plan is strongly modeled on the Kansas's Republican Governor's tax plan. Given that it was fairly radical in size (corporate tax rate to zero), and eventually it was repealed by the Republican Kansas legislature, I think folks should look at some of the research on [the great Kansas tax cut experiment](h... | [
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13698 | Most commodities offer something of value inherent in itself. The bitcoin does not. If people don't trust or want to use bitcoin as a currency, bitcoin is useless. If people don't like or trust coffee beans anymore, you can still make a cup of coffee with them. | [
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13709 | I go to a brewpub if I want a good steak. And I can get beer that was brewed in house. If I want good wings or burger I go to a real bar. If I want good ribs I go to a BBQ place. They are only roughly 15% more expensive than Applebees and Fridays anymore and the quality far exceeds the price difference. | [
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13712 | >The Fair Labor Standards Act (FLSA) does not define full-time employment or part-time employment. This is a matter generally to be determined by the employer. Whether an employee is considered full-time or part-time does not change the application of the FLSA, nor does it affect application of the Service Contract ... | [
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13715 | Would you buy this used car, in its current condition but with new tires, for the price of the tires? If so, buy the tires. | [
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13718 | There are two Questions: Financial institutions do not care about your nationality, only your ability to pay over time. For long term debt the lender will want assurances that the borrower has the ability and means to pay the debt over time. A legal resident in the US should have no more difficulty obtaining financing ... | [
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13732 | "Also, in the next sentence, what is buyers commission? Is it referring to the share holder? Or potential share holder? And why does the buyer get commission? The buyer doesn't get a commission. The buyer pays a commission. So normally a buyer would say, ""I want to buy a hundred shares at $20."" The broker would t... | [
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13743 | not really. drinking a single beer is not the same level of intoxication as smoking a single joint. source: i have done both many times ;D not sure where maturity comes into it. perhaps you are young and consider that to be some kind of trump card. | [
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