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18900 | The only consequence I could see is that they have your money until they pay you back. I'd just do what JoeTaxpayer says and get it back. | [
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18934 | "No matter what you do, the question of ""what is income"" is *always* going to be an extremely complex question. To use this particular example, is paying a royalty fee to an external party a legitimate business expense that is part of the cost of doing business and which subtracts from your ""income""?" | [
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18939 | Average rates of return usually assume compounding, so your formula would be for annual compounding ,or for continuous compounding. | [
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18950 | I don't know the term sole trader but usually the trade off is a corporation allows for shield from liability (i.e. creditors) more flexibility with respect to personal tax management, but higher operating costs (incorporation, financial statements, etc). I always incorporate. | [
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18962 | Sell the truck. I know that's not what he wants to hear. But the money you will save will make your goal possible. And in 5 years when you have your degree, a baby and you are both working steady jobs you will look back and realize it was a good decision. You guys are very young. You don't need a $40,000 vehicle right ... | [
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18963 | Commissioned sales is dead. It might have worked when consumers were beholden to retailers for product knowledge and pricing, but now everyone can pull out their phone and understand the product, its competition, and know the lowest price in minutes. | [
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18967 | "No one has addressed the fact that your loan interest and property taxes are ""deductible"" on your taxes? So, for the first 2/3 years of your loan, you will should be able to deduct each year's mortgage payment off your gross income. This in turn reduces the income bracket for your tax calculation.... I have saved 1... | [
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18984 | LOL, yeah, actually maybe china doesn't give a fuck about the waste like they are doing with all their industry? Of course they don't look at emotions or give a shit because they are a fucking communist centrally planned government you retard. | [
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19027 | I wouldn't say fair enough. Go back and read the article again, right now, to remind yourself how bad it really was. Passion is okay but that article needs a lot of work to be taken seriously by anyone other than those who already circle jerk to bitcoin. If all he wants is hits and praise ($) from bitcoin fanatics, ... | [
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19037 | No shit. That's not the point OP was making. He was saying they dont exist, so who would buy an electric car when the necessary infrastructure isn't in place yet? The same situation existed for gas when those cars first hit the road. Guess what? People built gas stations. It goes for any new tech that requires infrastr... | [
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19040 | "The thing about the glide path is that the closer you're to the retirement age, the less risk you should be taking with your investments. All investments carry risk, but if you invest in a volatile stock market at the age of 20 and lose all your retirement money - it will not have the same effect on your retirement as... | [
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19069 | Ok, I see your sarcasm, but what specifically did the executives do to cause the scandal? Maybe their head of community banking would be culpable, but do you think that the head of wealth and investment management would have any insight into retail accounts? Do you think the CEO gets that kind of granular information t... | [
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19107 | "Envelope budgeting is pretty simple. It's easy enough that you can teach it to children, and flexible enough you can use it as an adult. The general idea is that you take your cash money (no bank accounts involved in the simple version), and stick it in envelopes marked for what it's supposed to be for. So for examp... | [
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19113 | Like almost all investing question: it depends! Boring companies generally appreciate slowly and as you note, pay dividends. More speculative investing can get you some capital gains, but also are more likely to tank and have you lose your original investment. The longer your time horizon, and the more risk you are wil... | [
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19140 | Get The Best SAP User List database from Technology User Lists to reach highly targeted markets. Our SAP users list can be used for all marketing Campaign like Email Marketing, Direct Mailing and Telemarketing. you can achive all your business goals with the help of our SAP users list database. | [
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19144 | The key point is from the penultimate sentence in your second paragraph: for which you have already paid taxes When you receive a dividend or realise a capital gain, you get taxed on that then, and you shouldn't have to pay taxes on it again in future. So the cost basis gets adjusted to reflect that. | [
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19165 | "1. **[National Suicide Prevention Lifeline, http://www.suicidepreventionlifeline.org](http://www.suicidepreventionlifeline.org ""National Suicide Prevention Lifeline, 1-800-273-8255"")** **Call toll-free in the United States: 1-800-273-8255** **Chat: [http://www.suicidepreventionlifeline.org/GetHelp/Lifeline... | [
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19166 | "A) Yes, it does accomplish the goal of adding more money, but the money is in lieu of any return you can earn while the loan is outstanding. If you somehow knew exactly which periods where going to run negative, and you took a 401k loan during that time, you'd be in pretty good shape, but if you had that information y... | [
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19174 | you should put it all down within reason. I don't think most people have any big names on their resumes when they apply, but having substantive experience to talk about is important. Just because its not a multinational company doesn't mean your experience is invalidated or anything. If you feel like any of your experi... | [
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19179 | "Yeah, I guess the entire report is probably false because of that. What you're saying is applicable to the renewable industry too. There's all kinds of other investments made on behalf of renewables that aren't calculated into dollar amounts. Most obviously is the money that never even hits the books by subsidizing th... | [
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19180 | nope, wouldn't. it's probably true. it would be a stereotype. like saying black people like chicken. is it racism if 98% of my black employees eat chicken every day or talk about how much they love chicken? it's like saying Italian employees are lazy, if I hire 1,000 people and 50% are italian and they're generally a... | [
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19183 | "If your sole proprietorship losses exceed all other sources of taxable income, then you have what's called a Net Operating Loss (NOL). You will have the option to ""carry back"" and amend a return you filed in the last 2 years where you owed tax, or you can ""carry forward"" the losses and decrease your taxes in a fut... | [
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19184 | I agree with this. I like to buy stocks that are priced low according to value investing principles but set limits to sell if the stock happens to get priced at a point that exceeds X% annualized return, for instance 15% or 30% depending on preference. If the price goes up, I cash out and find the next best value stock... | [
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19190 | My two-cents, read your plan document or Summary Plan Description. The availability of in-service withdrawals will vary by document. Moreover, many plans, especially those compliant with 404(c) of ERISA will allow for individual brokerage accounts. This is common for smaller plans. If so, you can request to direct your... | [
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19196 | The principle of demand-supply law will not work if spoofing (or layering, fake order) is implemented. However, spoofing stocks is an illegal criminal practice monitored by SEC. In stock market, aggressive buyer are willing to pay for a higher ask price pushing the price higher even if ask size is considerably larger ... | [
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19197 | I'm not saying that I have a problem with public transportation, I'm saying that it makes sense for the government to be investing in it. I'm saying that they should be putting more money into improving it. My whole point was that when there's a service that isn't necessarily profitable the government should be putting... | [
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19201 | Cograts on eating better but Don't let that documentary scare you too much. All the studies they have done were prospectice cohort corolation based studies. Meaning they asked someone what that ate that day in a survey then 10 years later they look at their health. If they gained weight or got diabetes they then corola... | [
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19216 | I predict that WP7 and eventually 8 will fill the hole that RIM is leaving this coming year, largely in part due to Nokia and their ability to deliver really nice handsets and market to Europe. RIM has nothing to compete with in 2012 until their BB10 phones come out, but I think it will be far too late to stem the dec... | [
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19224 | I wrote a detailed answer about variable annuities on another question, but I want to include one specific situation where a variable annuity may be the right course of action. (For the sake of simplicity, I'm quoting directly from that answer): Three-quarters of US states protect variable annuity assets from creditors... | [
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19229 | "This is the best tl;dr I could make, [original](http://www.nber.org/papers/w18586) reduced by 67%. (I'm a bot) ***** > NBER Working Paper No. 18586Issued in December 2012NBER Program(s): ED LS PE. We show that the vast majority of very high-achieving students who are low-income do not apply to any selective college... | [
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19233 | The card you have is one where you had to deposit an amount equivelent to your card limit -a secured limit credit card. Capital One is one if the primary cards of this type. The typical rules of credit card usage and building your credit, do not apply. So, yes, you want to use the card as much as possible and pay off... | [
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19234 | The legal services rendered by Sarasota Short Sale Attorney include helping the client put together the short sale application package, monitoring the progression of the application, negotiating terms, analyzing counter offers or any response from the bank, and the ability to close on the short sale and to be the clos... | [
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19245 | You're not subject to the US tax laws, and since the income is not US-sourced, it is not subject to withholding. Your employer doesn't need any form, but if they insist - you can provide them a W8-BEN to certify your non-resident status. Keep in mind that if you do come to the US, the money you earn while in the US is ... | [
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19257 | Another thing to keep in mind is the fact that maintence CapEx is viewed as required cash spend in order to *maintain* the business at its current levels, whereas as expansionary CapEx is viewed as voluntary. If I were to value your Company I would want to know how well it cash flows as is given that whatever voluntary... | [
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19258 | The best solution I've been able to find for this is MoneyWiz, where both are logged into the same sync account. | [
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19269 | Poke around in r/google and then tell me I'm wrong. ;) Try to say something negative in even most lighthearted way in that sub, and watch yourself get showered with a brigade of downvotes, faster than you can say 'Eric Schmidit'. EDIT: Lol, downvoted already. They must have 'heard' me. | [
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19272 | "Years ago, a coworker bragged to me how his ""tax guy"" got him a huge refund. I told him my goal was to owe a couple thousand dollars, and that I'm glad I didn't have his guy. In the end, your return should reflect the truth, and a good tax guy will be little better than good tax software. The bottom line is that a ... | [
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19275 | "Do not store credit cards on your servers! You will get into HUGE trouble if they get stolen. Instead, the whole credit card transaction should be done in a ""frame"" on a web that is handle by a credit card processor you chose. Once the transaction is finished, you get a code for the credit card number (masked credi... | [
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19281 | Maybe so, that doesn't mean every new person is like that. I personally signed up to yelp to write a review. A national grocery store chain I visited for the first time, and thought it would be a good objective experience to write. I had a bad experience at the store, and described in detail the things why I felt t... | [
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19291 | "Have you thought about consulting your optometrist about a special pair of glasses for your nipples? I ask because it's pretty obvious you aren't getting a very clear view of things, and I bet custom frames are probably less work than pulling your head out of your ass when it's that far up there. You may as well subs... | [
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19295 | Most soccer balls are made of blends of polyurethane, polyvinyl chloride, and common rubber or nylon. We provide the best soccer balls all branded companies in the world. At our website, you can search Best 10 soccer balls. We will provide all balls at an affordable price.The best and most expensive PU balls feel like ... | [
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19297 | WHAT? That is just no true. I lived in Philadelphia, London and Brussels and I can tell you, the prices were almost double in Philly for groceries store. Even at Wallmart, I wont talk about Trader Joe, Whole Foods, acme... | [
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19305 | Actually, with at least 95% confidence, they did not overlook any better qualified person for this job. Because they did not even look for a qualified person. She got the job because someone knows her or she knows someone. Worse: any qualified Security person who worked for her would be demoralized by her lack of t... | [
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19306 | "Even if your employer decides not to include the HSA contributions in Box 12, the IRS will still be informed how much went into your HSA when the form 5498-SA gets filed. So you don't need to worry about the IRS; they'll get the information they want. As for you, if you already know how much the ""employer contributi... | [
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19343 | I've found Pragmatic Capitalism very helpful. | [
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19351 | As someone who worked for the federal government when they were hacked, and 23 million people had their ssn, private info, background checks, fingerprints and even secrets that someone could try to blackmail you for released. You guys are lucky, I can't make a new fingerprint for both hands and all fingers! Yeah all o... | [
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19354 | You need to look at the financial statements, talking to the executives, and have some sort of discussion about price. Then you would have to do due-diligence to make sure that they are not hiding stuff. Bear in mind, the company isn't going to go through all of this unless you can convince them that you have the mea... | [
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19356 | What i saw in the ad is a promise to help people with phone addiction issues. But : Do enough people want(consciously or subconsciously) help with this problem or they enjoy it? and does the phone really fulfills this promise ? If the answers are positive , it would be a good ad. | [
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19364 | "Loads may be widespread but they are absolutely not an ""industry standard"". Almost every major provider of mutual funds has ""no load"" funds. I'm sure your bank wants you to buy the funds with front loads, but they can't force you to buy those funds (unless you sign such a disclaimer when you open the account). Wh... | [
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19367 | With your experience, I think you'd agree that trading over a standardized, regulated exchange is much more practical with the amount of capital you plan to trade with. That said, I'd highly advise you to consider FX futures at CME, cause spot forex at the bucket shops will give you a ton of avoidable operational risks... | [
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19379 | "Not just executives, there's going to be giant finance, HR, etc functions for these chains. There's also a massive advertisement budget to pay for (remember, every time you see an ad for something, it's priced into that product). Finally, chains are frequently ""victims"" of leveraged buyouts/takeovers and thus have a... | [
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19381 | "GSElevator is part fraud, part satirist and has never worked at Goldman. None of the ""quotes"" used in his article were ever said by anyone. His pieces are sometimes good for a laugh but if you're taking this article as actual advice you clearly do not work in the industry. I stopped paying attention as soon as he ... | [
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19383 | "I have a quick question about statement of cash flows and how Account Receivable (Net) and Prepaids affect it (I've already asked the accounting subreddit but was wondering if anyone who does fundamental analysis etc would have a take on it). It stems from a homework problem where I have to reconstruct a cash flow s... | [
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19402 | There are no immediate tax-related benefits to putting money into a Roth IRA. You are investing after-tax money in the hope that the rules won't change and you'll be able to take out the money tax-free when you retire. Under current rules, you can take out your contributions at any time without penalties or taxes. You ... | [
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19431 | > I don't agree we can assume a government will be the solution... I am totally open to something else but see no other options. Corporate America has sold the American people on the idea that empowering them is to our benefit so there will be no popular uprising. | [
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19433 | I believe your question is based on a false premise. First, no broker, that I know of, provides an RRSP account that is a margin account. RRSP accounts follow cash settlement rules. If you don't have the cash available, you can't buy a stock. You can't borrow money from your broker within your RRSP. If you want to bo... | [
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19455 | GET A LAWYER. Doing business with relatives is business first, and some effort spent in setting things up and nailing down exactly what the financial relationships and obligations are beforehand can save a lot of agony and animosity later. Assuming it's a legal rental, you may be able to deduct business costs spent on ... | [
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19456 | From Dimson, Elroy, Paul Marsh, and Mike Staunton. Triumph of the Optimists: 101 Years of Global Investment Returns. Princeton, N.J: Princeton University Press, 2002: Disappointingly, the small firm effect has not proved the road to great riches since soon after its discovery, the US size premium went into reverse.... | [
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19457 | ">What's the difference between inheritance and being born with money? Just because someone is born into a rich family, does NOT necessarily mean they will inherit the wealth. Many things can happen along the way between their birth and potential inheritance, everything from the family elders blowing the money, or... | [
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19458 | I don't want to argue any, either, I'll just reiterate what I was originally trying to get at: Your boss/owner/manager is dependant on you creating enough value to pay their paycheck as well. Managers do not directly create value for the company. They might bring in deals, they might 'know' someone, etc. but in th... | [
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19479 | You can take a out loan against your 401k, which means you won't be penalized for the withdrawal. You will have to pay that amount back though, but it can help since the interest will be lower than a lot of credit card rates. You could refinance your home if you can get a reasonable interest rate. You could also get a ... | [
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19481 | Herd immunity is just another bullshit soundbite from Big Pharma marketing trying to scare you into legislating a massive increase in their market share. If you are vaccinated, you are immune... unless your vaccines are crap. This is why we sent kids to play with the kids with chickenpox--to acquire immunity. And why ... | [
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19501 | Do you eat out much or go to coffee shops? I add portions of my excess spare change to the tips/tip jars. I make it a bit over the usual percentage to make up for the fact that it's, well, spare change... | [
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19502 | ">There was a good quote in the article about how Google, Apple and Amazon combined employ fewer than 1/3 the people that GM did in 1980. Yeah, that was from [the Economist](http://www.economist.com/blogs/freeexchange/2011/10/death-steve-jobs?page=1) First, that is only a total of their DIRECT employees (numbers f... | [
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19551 | Consider the price history to be the sum of short term movements and long term movements. If you hold a stock for a long time you will benefit (or lose) from its long term movement. If a sufficiently large and very good short term trader existed he would tend to reduce short term volatility, eventually to nearly zero.... | [
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19556 | Disvestment activities tend to be misguided. In doing so, a fund/individual is not really taking money away from the companies in question (assuming they're not doing secondary offerings), and 'disvestment' doesn't imply that you're going to be using their products less (or boycotting them entirely), which would actual... | [
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19586 | As a parent with a 4 yr old, it's not my reason. I want him to build something with his hands. Spend $50 on a Lego kit and what do you get? A tiny set of very specific parts for one build. Or I can spend that money on some other construction toy for half the price (blocks, Lincoln logs, train set) and you have similar ... | [
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19591 | I recommend an online savings account. The money is more liquid without early withdrawal fees and frequently you can get a visa/mastercard check card to access the funds. Looking at interest rates, ING is currently paying 1.10% and bankrate reports the best interest rate in the country on a 1 year CD is 1.33%. The ... | [
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19597 | "First, don't try to understand other people's finances. Family or a trust could provide the minimum down payment, or even large chunk of the price, leaving them with a small/manageable monthly mortgage. More importantly, HGTV home buying shows are fake. Buyers don't actually buy, other people touring are just locals/... | [
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19606 | From an investor's standpoint, if the value of crude oil increases, economies that are oil dependent become more favourable (oil companies will be more profitable). Therefore, investors will find that country's currency more attractive in the foreign exchange market. | [
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19613 | You should use the Gordon Growth model, but you are using the wrong rate. required return = rf + market premium x Beta rm = 0,12, premium = 0,08 --> rf = 0,04 thus rr = 0.04 + 0.08 * 1.5 = 0.16 then you get $15/(0.16-0.05) = $136,36 | [
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19618 | It depends on the currency pair since it is much harder to move a liquid market like Fiber (EURUSD) or Cable (GBPUSD) than it is to move illiquid markets such as USDTRY, however, it will mostly be big banks and big hedge funds adjusting their positions or speculating (not just on the currency or market making but also ... | [
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19622 | Call them back and insist on speaking only with a supervisor and politely ask for their License Number and NAIC Number. When asked why reply that you are going to contact your state's insurance division and find out what recourse, if any, you might have. Merely asking for the numbers will let them know that you intend ... | [
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19624 | Both Amazon and Ebay do this, raise the bar significantly over time to weed out crap sellers that are all competing on the same products. So instead of 10 sellers on a product, you have 5 with the highest ratings possible. | [
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19627 | im in no position to guess what would happen. rather than sitting in any particular sub, i just usually keep hitting refresh on /r/all/new and see what catches my eye.. or in this case.. what doesnt.. :) i cant see it being phased out tomorrow though, or anytime in the near future, as far as economics of it all go,... | [
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19640 | Yup. I scrutinize the income statement I receive from my employer every year. What I make vs what the company actually invests in me as an employee is really astounding. Beyond my hourly wage, the company pays for my health insurance premium (all but $10/check), and pays for a medical flex-spending account. On top of t... | [
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19654 | Better solution would be petitioning the bands to play the venues that don't run through ticketmaster, but that doesn't work for any bands with a remotely large following. Not buying the tickets isn't going to do anything, especially with sold out shows (someone else will grab your ticket). | [
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19691 | Notes and Bonds sell at par (1.0). When rates go up, their value goes down. When rates go down, their value goes up. As an individual investor, you really don't have any business buying individual bonds unless you are holding them to maturity. Buy a short-duration bond fund or ETF. | [
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19693 | From your own cite: > Sales were offset by China increasing its holdings But it's an article from March. From the same source, but in June: > [Global investors have piled into US government bonds this year, drawn by the allure of high yields.](http://www.ft.com/intl/cms/s/0/6907c2a0-f24a-11e3-ac7a-00144feabd... | [
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19694 | His company bought and sold businesses. The businesses themselves were the product. Of course they were speculating. Every single business speculates on the demand of their product. It is different from a typical store, but its still business. Private equity and the business of flipping, stripping and sometimes hold... | [
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19698 | Why not personal responsibility? Get paid *then* provide the service. It's what small business owners do every day without the help of government or the protection of a large corporation. Individuals comply with safety regulations to protect themselves. If you need a corporation to do it for you, expect to make less. I... | [
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19701 | not really, just coming up with shit to say, i like to maintain a bit of the thread one way or another and it was all too easy there. If being cyclical or recursive keeps it going then off we go! | [
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19702 | As others have already pointed out, the bank isn't getting your money upfront - the cash goes to the dealer and the bank will be financing you a much smaller amount. They really don't have any incentive to give you a better interest rate, but it never hurts to ask. The more important (and unasked) question is should yo... | [
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19711 | "I think the closest you can come is to buy health insurance, which had the company's bet on trends in healthcare costs already built into it. But as you've posed the question, I agree that the answer is ""no"" -- at best you might find someone willing to give you short odds that the rate increases over 20% or long odd... | [
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19721 | I agree with you for the most part, but banks need *some* way of comparing the relative risk of various loan applicants; forcing them to use TweedleDee over TweedleDum is really failing to see the forest for the trees. Equifax is *not* the problem here. The fact that that entire *industry* is allowed to exist withou... | [
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19739 | Dear Iran, what our Moron in Chief is trying to tell you is that you need to get a nuclear weapon as soon as possible. The Jews are never going to to shut the fuck up, they will keep on and on and on until they some how manage to cause a war and then our Fearless Moron will not be able to protect you. As it is the Je... | [
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19746 | This is a letter by a mother two her loving twin daughter. At the age of 3 her father was died and in this letter her mother shows a book of letter in which her dad’s family, friends and co-worker share their stories about him. Now her twins are 16 year old, she tells about her stepfather who is as loveable as her fath... | [
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19753 | It's not fucking rocket science. You cut taxes at the high income brackets, and it helps people in higher income bracket. Is this what counts for journalism these days? I wish I could get my time back for reading this article. | [
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19766 | Good on him. From time to time I hire (project-based) programmers, writers, designers - and nobody works for free for me, never has and never will. I don't work for free, either. Where do these people come from, the US antebellum South? The thing here is that he didn't cop a 'tude right away, he gave the other the b... | [
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19781 | Is this an unusual amount to pay for refinancing a home loan? Yes, I would say it seems pretty high. Although credit unions usually have pretty good deals, I would shop around a bit. Is refinancing not worth it if you might move in the next year or two? Totally not worth it if you'll be moving in a year or two. You n... | [
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19789 | Australian Goods and Services Tax is charged on the sale amount. Whatever internal accounting you do before billing the customer is of no interest to the Australian Tax Office. | [
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19793 | Sounds like you are drowning in debt. Why not just stop paying? It will ruin your credit, but eventually you might be able to settle for much less than you owe and a reasonable interest rate. You will then have a long road to recover you credit, but IMHO this road is much longer and stressful. Hey, you are paying a hig... | [
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19794 | Systems to research that may help you out: Less Accounting and Wave are great because they can import data from banks / credit cards. I know you said your bank doesn't export it but it seems like something as a small business you would want. | [
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19821 | But an AI is likely to have fewer resource limitations, because it won't have to evolve and exist as an African primate, we built it. Our intelligence also evolved to best deal with reality as we experience as physical, organic beings throwing spears at one another, something else an AI wouldn't be limited by. | [
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19823 | **[Craig Morganson](http://www.askcraigmorganson.com/)** says, the probability is, throughout your life, you’ve sat down at a piano or keyboard and plinked your way around it, musing on how you wished you’d taken the moment to master how to play. You might be unclear by the noticeable differences among keyboards and pi... | [
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19837 | There are tax strategies you could take advantage of if you own the property. Find local real estate investors that like 'buy and hold'. Additional strategy is to buy a property and sell it with owner financing (you use a Residential Mortgage Loan Officer to facilitate.) What is great is you can get a great % real retu... | [
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19845 | Its also going to allow for Russian businesses to grow in to fill certain spaces left vacant by the NATO commerce which could make up for the hit they will take from The US EU sanctions. Hes protecting the economy at the cost of a little comfort. | [
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19853 | Such funds are handed over to the state. In NE, like in many states, there is a government website where you can search by your name, find them, and claim them (with proof of your identity, etc.): https://treasurer.nebraska.gov/up/ For sure, the bank cannot just take the money. It is sitting somewhere, the bank just cl... | [
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19862 | Most drugs addicted will begin the process of determining which program is best for their needs by deciding addiction treatment. If you are looking Drug and alcohol detox programs in Florida. The World Recovery Centers provide the best recovery program. An individual will develop the problem, and zero family history of... | [
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19864 | I interned at GS last summer and I am returning fulltime after graduation. In my experience and those I've encountered, it is very much dependent on where, front vs back, in the bank you work. Most software development jobs at GS seem to be 9-5. If you write software in front-office parts of the bank like trading, thou... | [
0.004040336236357689,
-0.01742970384657383,
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0.04595549777150154,
-0.009492232464253902,
0.025203514844179153,
0.0063... |
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