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13755
">You can do it by downloading the kindle file directly from the Amazon site which I think is the generic version Na, mine was signed for my very own kindle, even though it was set to ""Download to computer."" They must use the kindles serial number I had to type in when I registered. Why aren't you using your kin...
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13800
POS stands for Point of Sale (like a specific store location) which indicates that the purchase occurred by using your debit card, but it can also be the on-line transaction done via 3-D Secure. Checking with bank, they said that Kirchstrasse transaction could be related to direct marketing subscription service ordered...
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13802
You must not have been listening very hard. Obviously the Republican cheerleaders were quiet, but that's not the entirety of the opposition to high spending. Similarly, anti war protestors were awfully quiet while Obama was in office. This sort of things should s who has principles, and who is a party shill.
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13822
During the course of the year, the S&P individual stocks will have some dividends. Not every last stock but a good number of them. Enough that the average dividend for the S&P has been about 2% recently. So if the S&P index goes up, say 10%, an S&P fund should go up closer to 12%. For a fund holder, you'd normally see...
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13829
Citizens Advice can tell you whether it would be possible / worth taking it to Small Claims Court or not, and how to phrase your claim if so. If you do go to Small Claims Court, you don't need legal representation. I would think of Citizens Advice as a kind of triage as to whether you need to seek legal advice or not.
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13831
The example you give would clearly be illegal, and so unenforceable in court. If a contract contains a clause which is deemed legal but so unreasonable (completely unfair) it is unenforceable by the court, then the court can replace that cause with a more reasonable clause. I think it would be a fairly expensive (and...
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13832
> The alternative is to do nothing. Well, what many people do not realize is that even if all man made CO2 magically ceased to be created that the climate would still change. Climates change, always. So, you think that something that accounts for .04% of the atmosphere is the key to humanity's survival on the plan...
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13834
Oh so it's ok for MSM to have a play where Donald Trump is murdered. But if I say something to get a reaction out of you the conversation is over? How is that ok to have a play where the acting president is killed? Freedom of speech is ok until you break the law. To threaten or imply death of the president of the U...
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13847
Sorry, in the US (Bank of America). The kind of account we have has that high fee, but they also have free account options that have lower or zero balance requirements, you just have to setup direct deposit. The one we have has free checks, free safe deposit box, an English speaking customer service rep guaranteed to a...
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13878
I have a loaded Accord right now. Model 3 is faster, safer (most likely given Tesla's track record, doesn't need gas, and (hopefully) cheaper and easier to maintain (no oil changes, etc). It's also just a hair smaller than my Accord and sits more forward, which I really like. The Accord feels like a boat to me.
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13885
You could buy shares of an Exchange-Traded Fund (ETF) based on the price of gold, like GLD, IAU, or SGOL. You can invest in this fund through almost any brokerage firm, e.g. Fidelity, Etrade, Scotttrade, TD Ameritrade, Charles Schwab, ShareBuilder, etc. Keep in mind that you'll still have to pay a commission and fees w...
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13900
I agree with you that given a teacher and an environment there may be a way to rank teachers, however any proposal I've seen to judge performance fails to take into account environment and assumes the district as one uniform environment. Any time federal programs are proposed that try and address failing schools, they ...
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13902
Well, sure, but that rate won't continue for the next 18 years. A lot of the increase in public school cost is due to government funding cuts and the increase stops once funding reaches 0%. When you look at private schools, say [Stanford](http://facts.stanford.edu/chron.html#tuition), the average over the last 18 year...
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13908
"The ""par value"" is a technicality that you can ignore in this case, and it has nothing directly to do with the merger. When a company issues stock, it puts a ""par value"" on the shares. If it later issues more shares, they cannot be issued at less than par value. The rest of the notice seems to be as you said: If...
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13933
Our group leader was very interested in the Amazon Go concept which got us thinking about that as a potential deal. While writing the paper I found some articles discussing Whole Foods Amazon potential merger from last year, but it seemed unlikely since the companies had a sit down last year and it didn't amount to any...
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13941
"I've seen the same happen with several companies, with programmers engineers, salespeople, managers, etc. Both companies end up paying more, and in many senses (because it *always* takes time to get ""up to speed"" in a new company) losing out because of it. It's inane, really, how little most managers/owners really...
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13975
"Imagine that, a car dealership lied to someone trusting. Who would have thought. A big question is how well do you get along with your ""ex""? Can you be in the same room without fighting? Can you agree on things that are mutually beneficial? The car will have to be paid off, and taken out of his name. The mechani...
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13987
Political systems do not have to be intertwined with economic systems, as China demonstrates. By most rankings (Cato, Heritage, etc) China actually has a bit more economic freedom than India. I don't necessarily think that China's development path needs to be copied to India. But I would take a very strong loo...
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14011
I think about debt as a good option for capital investments that offer a return. In my opinion, a house and clothes you need for that new job are good things to borrow for. School is ok, depending on the amount. Car is ok, if it's a 3 year loan. The rest is not good. You should try to carry as little debt as possible, ...
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14028
Same argument and answer for investing instead of paying off debt, or borrowing to invest. Risk. What happens if the stocks drop by 10%? Sure, you might come out ahead on average, but a drop in the market could be catastrophic from a cash flow point of view. In addition, federal tax debt is arguably the worst kind. Th...
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14035
"For political reasons, almost all governments (including the US) spend more money than they get from taxes etc. There are a number of things a government can do to cover the difference: Most governments opt for selling bonds. The ""National Debt"" of a country can be thought of as being the sum of all the ""Bonds"" ...
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14040
Nobody said they paid for it up front. They still pay for it. The businesses are definitely making money off the work. Unless you are saying the businesses don't make money off of it, and are accruing a loss? Do you expect us to believe that?
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14061
From InvestingAnswers, the price of a bond is equal to the present value of its future cash flows, as shown in the following formula: Where: By induction, this is equivalent to: or, using more familiar formulae, it is equivalent to the formula for the present value of an ordinary annuity to represent the coupon paymen...
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14065
"In 2014 the IRS announced that it published guidance in Notice 2014-21. In that notice, the answer to the first question describes the general tax treatment of virtual currency: For federal tax purposes, virtual currency is treated as property. General tax principles applicable to property transactions apply to transa...
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14083
"A person can finance housing expenses in one of two ways. You can pay rent to a landlord. Or you can buy a house with a mortgage. In essence, you become your own landlord. That is, insta the ""renter"" pays an amount equal to the mortgage to insta the ""landlord,"" who pays it to the bank to reduce the mortgage. Ideal...
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14111
If you've already used TurboTax on your 2015 taxes, you can use the numbers TurboTax gave you as your reasonable estimate. Line 4 is your estimate of total tax liability for 2015. This would be line 63 of form 1040. This is Federal income tax only, not Social Security tax. Line 5 is the total of tax payments you made...
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14133
You haven't seen one because you haven't looked for one properly. You can set a google alert for stock split and get information about major issues splitting their stocks quite regularly, as well as a daily dose of recommendations from people without a say in the matter for big companies to split their stock. Stock spl...
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14142
So we can lower your taxes, although at a cost of say 4 million federal employees. Now the fun begins... your market is flooded with new employees, so many people applying there isn't a reason to keep you at your pay. It's 2008 again, you lost your job, your $30 an hour job now pays $17, and you're unemployed, but at l...
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14145
First thing they should do is STOP CALLING AND MAILING THOSE OF US WHO HAVE DONATED. I get a call every night (which I do not answer) and a piece of mail every week. I know the labor for the calls is mostly volunteer BUT YOU'RE PISSING US OFF (I have friends saying the same thing). Once we give, thank us and get b...
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14162
"In a way I would almost welcome it becuase ibeleive the outrage from so many millions might actually generate the groundswell public reaction we need to drastically limit software patents. It's outrageous. U.S. Patent No. 5,946,647 on a ""system and method for performing an action on a structure in computer-genera...
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14172
dont dare throw facts into their preconceived notions that unions are always evil and at fault for everything on the planet. I wonder how mister police offices pay compares to the top 1% when you look at disparity between ceo and cop pay today, versus 1950... I'm betting(but am not claiming like right wingers do), I a...
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14185
Your link is pointing to managed funds where the fees are higher, you should look at their exchange traded funds; you will note that the management fees are much lower and better reflect the index fund strategy.
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14190
I think Microsoft is far from being the next IBM. Keep in mind mobile hardware isn't for everyone, even Amazon abandoned it. Microsoft has done a great job with their cloud platforms, revamping the microsoft office suite to compete with google's, their entire surface line of laptops and tablets, purchasing linkedin, e...
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14216
We don't know how to make money in the stock market, therefore no one should be allowed to. ~Fuckers If Bill Gates wants to give the government some of his money, [here's the form](https://www.pay.gov/paygov/forms/formInstance.html?agencyFormId=23779454). If he wants to give the government some of other peoples' mon...
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14219
"Consumer facing finance is heavily regulated. You are liable for the recommendations you make; if they are based on a black box you risk problems when sued. It is difficult to explain in a court of law why a neural network came to a particular conclusion. It is much easier to provide advice (models) in the ""educated ...
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14255
Yes you can claim your business deductions if you are not making any income yet. But first you should decide what structure you want to have for your business. Either a Company structure or a Sole Trader or Partnership. Company Structure If you choose a Company Structure (which is more expensive to set up) you would cl...
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14262
"1. That's a really complicated answer. In short, I think we need to make accounting rules much simpler (I say this as an accountant) in combination with financial education in K-12 school. Most adults in this country can't tell you which is a better investment: something that returns 5% monthly or something that retur...
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14277
Best as i can tell, the simple answer is: the smartest approach to investing for dividends is to pick a company that is, has, and will continue to make a solid profits. there are lots of them out there. specifically, companies with no debt, a history of long-term and steady growth and a stable market share will, almost...
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14286
"My answer has nothing to do with tax brackets or mathematics (I'm taking advantage of the leeway your question allowed), but rather it has to do with career goals and promotion. Large companies often have large ""Policies & Procedures"" booklets to go with them. One policy that sometimes exists which would make it a...
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14299
Capitalism is a fine way to distribute resources and spur innovation... so long as it's not the only game in town. If we could provide medicine, food, clothing, shelter, and internet access to every person in the country, then it hardly matters how callous and Randian the employment market is.
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14313
It is true that it may be somewhat of a loss. I would not lose any money with the other options as I have already made my money back but I would be at a loss as far as time investment goes. I agree number 1 is most logical but emotionally my heart is just not in it anymore that is why I put 2 and 3 in there too.
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14317
There is no common sense in Michigan and money does reveal character. Take a Michigan based business for example of more outrageous behavior that our State reps overlook. Frankenmuth Insurance company located in Frankenmuth Michigan purports in its commitment statement to policyholders to: Frankenmuth Insurance built...
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14339
I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit: - [/r/talkbusiness] [Shortage Of IPhone X For Preorder](https://np.reddit.com/r/talkbusiness/comments/78ap8v/shortage_of_iphone_x_for_preorder/) [](#footer)*^(If you follow any of the above links, please respect the rules of ...
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14349
If you want to store that much money, find a good hiding place. (E-mail me the location. I'll keep it a secret. I promise!) But I think instead you want to invest that much money, in a cash-like liquid form. You can do $250,000 in a bank (beyond 2012) and then spread the rest over some big-name brokerages with money ...
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14352
Norman Brodeur Williams wrote his first prize winning novel at the age of 28, which was highly valued by readers. Thought experts did not leave him from criticizing. This story moves around a man who is dealing with his luck, community and its traditions. Fighting to come out of the false traditions made by the communi...
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14353
thanks for the reply. I just graduated and I'm having a lot of difficulty getting any solid job. I guess I will pick firms in the area like MS, trowe, and see what would be best. My contact who told me to do this said it's very important to be passionate about it though...perhaps even if I pick a more targeted stock...
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14362
"> Most of the people that promote these types of ideas are selling something that has an inverse correlation with the market, so they hope to get others to buy in and drive up prices for them so they can cash out. Isn't this super common in online finance communities? It is in Norway, so much so we have words fo...
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14364
Yes, you would have to report the gain. It is not relevant that you traded the stock previously, you still made a profit on the trade-at-hand. Imagine if for some reason this type of trade were exempt. Investors could follow the short term swings of volatile stocks completely tax-free.
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14368
Have you actually read the Wikipedia article? To calculate the DJIA, the sum of the prices of all 30 stocks is divided by a divisor, the Dow Divisor. The divisor is adjusted in case of stock splits, spinoffs or similar structural changes, to ensure that such events do not in themselves alter the numerical value of the ...
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14382
"I can guarantee you that no one in IBanking and consulting is pulling in a 110k base. Even 75 is really pushing it in this market. 70k base is standard on the street and some bansk have been dropping it to 65. And you won't be working at a ""legit"" hedge fund or prop shop straight out of undergrad. Source: I work i...
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14383
The wealthiest man is not the one who has the most, but who needs the least.
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14409
I hate to sound harsh, but he's right. No technology, innovation, service or product can overcome your own lack of discipline. That doesn't mean you should give up, though - just like everything else, financial discipline is a learned skill, not something we're born with. Everyone can learn to be financially responsib...
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14421
>implicitly through their fee structure. Index ETF and stock trades cost the same at Robinhood (free). Do you believe Robinhood (and other brokers) should charge a fee for single stock trades to discourage investors from purchasing them over index ETFs? Honestly, I'm not saying this idea is right or wrong. It's ...
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14437
Synowledge’s highly capable subject matter expert’s team can help you to produce clear, suitable regulatory documents, detailing all aspects of the drug development process and CMC. Synowledge provides appropriate subject matter domain-based process expertise to enable all life sciences organizations to fully satisfy t...
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14440
"Sure the LBTA has outperformed LVOL recently but they are very similar (Just look at their underlying indices going back to 2007) - they underperform in good markets and tend to outperform more than they underperformed in down markets. The article should be saying something more like: ""Recent outperformance of LBTA ...
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14460
This is probably one of the shittiest articles I've seen on this sub in a while. Automation of panera has been happening for over 10 years. The author might as well start saying child labor was an honest living for kids and those laws are cruel. >Fresno Bee reporter Jeremy Bagott says that even some of San Francisc...
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14461
For a company listed on NASDAQ, the numbers are published on NASDAQ's site. The most recent settlement date was 4/30/2013, and you can see that it lists 27.5 million shares as held short. NASDAQ gets these numbers from FINRA member firms, which are required to submit them to the exchange twice a month: Each FINRA memb...
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14463
"You really don't know how credit scoring works. Let's think about the purpose of a credit score: to assess whether you're a high default risk. A lender wants to know, in this order: Utilization factors into the solvency assessment. If you are at 100% utilization of your unsecured credit, you're insolvent -- you can't ...
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14466
Checking account holders must be aware that when you order bank checks online, you will be required to provide some sensitive personal and financial information. When I order my checks online, I make sure to think about the consequences of providing the information being demanded. Considering that identity theft remain...
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14472
This is very insightful, I think. As an open question, consider what *downside* a nation (or bank) has to acknowledging bitcoin or other cryptocurrencies. Obviously nations may lose some monetary control by endorsing bitcoin, but I don't know if there's much of a downside for banks considering bitcoin's easy conversion...
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14478
"For many people, giving to charity will have minimal effect on their taxes. Non-profits love to attract donations by saying the money is tax deductible, but for most people, it doesn't work out that way. You will only itemize deductions if they exceed your standard deduction. The IRS allows you to either ""itemize"" y...
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14484
"Not necessarily. Shorting XOM is saying that EM (china + india) are going to have a ""slowdown"" (not neg growth but slower) and that US is going to pick up a lot slower. Selling JNJ means the manager is overall bearish but doesn't have that much conviction (otherwise he would sell XOM or SPY), but still wants that n...
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14488
Depending on the improvement, you have to amortize or depreciate it over time, which effectively allows you to write off the value over a period of years, even if you pay for it all up front. This messes with cash flow, which is different than profitability, but when you span the write off over five or ten years, the d...
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14491
Royal White Marmo started in year 2005 at Rajsamand, Rajasthan. Royal White Marmo Pvt Ltd is exporter/ importer, manufacturer, supplier of White marble, Morwad White and so on. - Royal White Marmo offers marble stones that are broadly demanded for its features. We provide these stones in different colors, sizes, patter...
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14493
"I'm not sure there's a good reason to do a ""closing the books"" ceremony for personal finance accounting. (And you're not only wanting to do that, but have a fiscal year that's different from the calendar year? Yikes!) My understanding is that usually this process is done for businesses to be able to account for what...
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14496
"Social media and word of mouth are going to be your best friends. Build yourself a good reputation for quality and good social skills. ""Hair designing"" is a big part of your job but so is socializing. You have to build relationships with people in the service industry to keep them coming back as a general point. M...
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14511
They were kind and let you extend the repayment time on the loan. But that does mean additional interest accumulated during that additional time. You agreed to this; you can't change the contract now. What you can do is find the money to pay off the loan faster, to reduce the total amount of interest you'll be charged.
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14518
"The Fed didn't ""signal"" anything. They did not do any analysis. They merely took a pole of consumer opinion. The article should have said ""Poll Shows Americans Believe they Are No Better Off than Five Years Ago."" But that would be less exciting."
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14538
Of course you don't need to take a mortgage - if you happen to have enough cash (or other assets) to pay your sister her share, or if she is willing to take it in installments over the next years. Mortgages are not needed to buy houses, but to pay for them - subtle difference. If you can pay - in whichever agreed way -...
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14543
What you are suggesting would be the correct strategy, if you knew exactly when the market was going to go back up. This is called market timing. Since it has been shown that no one can do this consistently, the best strategy is to just keep your money where it is. The market tends to make large jumps, especially lat...
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14598
>[**НОВИНКА!!! Проект Btchash ! Способ заработка на автомате! Попробуй САМ ! [5:35]**](http://youtu.be/OKXRKZvkAhM) >>Приветствую Вас друзья! В этом Видео, представлен проект, на котором можно зарабатывать на полном автомате > [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7RK9aIU...
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14603
"Given the place of games in mainstream culture, you won't be astonished to find that the interest for games tickets for an extensive variety of occasions has soar as of late. The NBA basketball is more popular in the USA. NBA b-ball round out the ""real four"" associations. In case you're attempting to locate the best...
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14605
Supplier of Quartz Grit in India http://quartzpowdermanufacturers.com/supplier-of-quartz-grit-in-india.php Supplier of Quartz Grit in India, Manufacturer of Quartz Grit in India - Shri Vinayak Industries is offering high grade Quartz Grit. We produce finely processed Quartz Grit by our super efficient production unit. ...
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14609
"ITR-4 is for incorporated business. For freelancing, You can fill ITR 2 and declare the freelancing income as ""income from other source"". Refer to the Income Tax website for more details"
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14619
It's good friend. You seemed like a nice person when I was glancing through your history, which isn't what I could gather from the other guy (or what a person could probably gather from mine). I'm just on edge for a midterm today, and spent far too much time sharpening the fangs in my reply last night. I have Turkis...
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14624
"I mean, this would apply to every person of any consequence in the country ever. Every president, every fed chair of every branch, every lead economist, every senator. There is *always* some ""moron"" who thinks they know better for some simple reason. If someone proposes stimulus, there's some guy somewhere that's ...
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14639
Note that folks may also be shopping for supplies for a nonprofit tax-exempt organization. I made such a purchase a few weeks ago. Whatever the legal basis of the exception, you need to be able to prove to the store that you have it. If you can't, they must collect the tax.
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14644
"Delta airlines like most of corporate america basically amounts to an organization of thieves. They wasted 2 hours of my time with this same bait and switch tactic this author wrote about. You hit purchase button, and the fair goes up ""due to demand"". Just like the author I went back through the website and tried t...
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14661
I hope I'm not reading this correctly. 'The rules and regulations that were put in place to stop the 2008 meltdown of the world economy from happening again are being rolled back by US President Trump.' Does that mean that world economy can be fucked again by Trump?
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14662
I doubt it, they never knew who those loans belonged to even a decade ago . .there is no way the underlying assets even if identifiable will be performing or marketable. It was a simple bank fraud, where banks bundled up all their worthless shit in alphabet soup and the rating agencies rated it aaa and it blew up . . ...
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14679
They're not just giving away money because they're nice, they're doing what they think (or hope) is a good business decision. Even if they lost money on that particular transaction, there are still positive effects such as OP telling the story about how great BestBuy is which will get more people in their stores, many ...
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14680
Wal-Mart? How are they going to compete with this monster. Grocery shopping is also a kind of social experience that it seems humans need. I'm no fan of walyworld taking out almost every small grocery store they can. Don't know,might get interesting. Hopefully get a price war going and then the customer will benefit.
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14683
I'm all for short term help, but I don't think feeding people just enough money to exist for the rest of their life is really helping. All it does is enable them a shitty existence instead of forcing them to find a better way.
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14687
"But do you know about a US state risking to go default now or in the past? Ultimately, a US state could go into default. However, I doubt that such a scenario would be allowed to transpire. This seems to happen to California with some regularity. That is, risking default. What would happen is not quite well known: ...
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14688
where did all this money come from? Investing in a currency, whether it's bitcoin, gold, USD, or another country's currency, is a risky investment because the average trader loses money (after transaction fees). This is not true of the stock market, since successful companies actually produce wealth. So in short, mone...
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14691
"It's never going to be a huge moneymaker. Trillian tried, but frankly Trillian existed because people didn't want to be running a bajillion different messengers and the big ones were open enough that it presented an opportunity for someone to make a single platform. I'm still using Trillian because AIM and ICQ still ...
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14699
I suppose it depends on how liquid you need, and if you're willing to put forth any risk whatsoever. The stock market can be dangerous, but there are strategies out there that will allow you to insure yourself against significant loss, while likely earning you a decent return. You can buy and sell options along with ...
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14728
"Yes, but it depends on WHICH other currencies the country's money is depreciating against, and to what extent. This is why China ""pegging"" the renminbi/yuan to the dollar is an issue, it means Chinese goods do NOT become more expensive in the US."
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14731
it's not a scam. it's not even too good to be true. frankly it's the lowest sign up bonus i've ever seen for a credit card. you would be better off signing up for a flagship card from one of the major banks (e.g. chase sapphire, citi double cash, discover it, amex blue). those cards regularly offer sign up bonuses wort...
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14732
"You uncle is liable to pay ""Capital-Gains"" tax. Essentially the sale price less of cost would be treated as gains. The gains are taxed at 10% without indexation and 20% with Indexation. The capital gains tax can be avoided if your uncle invests the gains into specified ""Infrastructure bonds"" or buys another prope...
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14745
My assumption here is that you paid nearly 32K, but also financed about 2500 in taxes/fees. At 13.5% the numbers come out pretty close. Close enough for discussion. On the positive side, you see the foolishness of your decision however you probably signed a paper that stated the true cost of the car loan. The truth ...
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14748
"That's great that you have saved up money. You are ahead of your peers. I would advise against investing in an index fund. The attraction of the idea is that you will get the same return as the base item. For example, an index fund of gold would supposedly give you the same return as if you bought gold. In reality thi...
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14765
Transferwise is a new peer-to-peer service that's setup to lower fees for international money transfers: https://transferwise.com
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14768
No. The gain on RSU is not a capital gain, it is considered wages and treated as part of your salary, for tax purposes. You cannot offset it with capital losses in excess of $3000 a year. If you have RSUs left after they vest, and you then sell them at gain, the gain (between the vesting price and the sale price) is ca...
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14769
It was after Trump became the presumptive nominee. But Thiel could have done it with any Republican candidate before or after this election - if his purpose was taxes/moving the Republican party to support gay marriage, he could have done it with literally ANY other candidate and not paid nearly as high of a personal ...
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14771
Earth hour isn't about saving money or the environment. It is just a feel-good publicity stunt.
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14776
"Yes, it is, but first let me address this sentence: my current withholding on my W4 is already at 0 so I can't make it lower You definitely can make it lower. On W4, in addition to the allowances (that what you meant by ""already at 0""), there's also a line called ""additional withholding"". There, you put the doll...
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14781
"Yes, you're still exposed to currency risk when you purchase the stock on company B's exchange. I'm assuming you're buying the shares on B's stock exchange through an ADR, GDR, or similar instrument. The risk occurs as a result of the process through which the ADR is created. In its simplest form, the process works li...
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14795
Postmodernist-marxist pushing agenda.. In reality democray is still the only option, the key is an informed public.. And I think we are going through a big change with this now.. Why not make a paper related to public important knowledge on democratic issues, teach them how to make informed decisions.. That wou...
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14802
Doesn't appear to keep other companies from doing it successfully. Besides Sabian (Zildjian's spin off company), Paiste, Meinl & Dream are a couple relatively recent cymbal manufacturers who, while not commanding the same market share, are nonetheless profitable and popular among drummers.
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