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20796
"I've had a mortgage changing hands with mid size companies for many years with no problems. I've handled many complex financial and technical transactions with multiple parties with no problems over the course decades. Then, after my last refinance, my mortgage fell into the hands of JP Morgan Chase. The bank sent on...
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20797
KIRO Studios provides photography services to suit your every need. Enjoy and preserve your next event with stunning Photography Ottawa that will last a lifetime. With KIRO Studios, you can be assured that you are getting the quality photography you seek and peace of mind you deserve.
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20799
It isn’t that the starving man doesn’t have money, it is that he doesn’t have access to eggs! He is on the same indifference curve due to finances as the wealthy man. What has made you assume a difference of financial ability, when I already said there were none? Were he in an area of abundant resources, which you s...
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20810
"I found an answer by Peter Selinger, in two articles, Tutorial on multiple currency accounting (June 2005, Jan 2011) and the accompanying Multiple currency accounting in GnuCash (June 2005, Feb 2007). Selinger embraces the currency neutrality I'm after. His method uses ""[a]n account that is denominated as a differenc...
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20814
That stock appreciation came entirely from Alibaba's growth and had nothing to do with Mayer's moves. Mayer spent billions on failed acquisitions of startups and never capitalized on any of them. Yahoo would have been better off shutting down the day she became CEO and becoming a holding company.
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20830
Moody's came out with an analysis today saying the requirement could be slightly good for for-profit hospitals (Bad-debt charges will decline. The expansion of healthcare coverage under the law will lessen for-profit hospital operators’ exposure to bad debts, which in turn will improve margins and cash flow. However, w...
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20844
In all honesty, the best solution I've come across is Microsoft's now defunct Money.
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20863
What keshlam said is correct. In bookkeeping terms, what you are doing is transferring value from some kind of cash account (which may in turn be backed by a loan) to an asset. Effectively, you are exchanging one asset for another. That asset you are exchanging to is the land that you are buying, which has some value, ...
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20875
The real problem is people have a problem with people who try to improve themselves, eat healthy and object to obvious bullshit shill science that says holding a microwave emitter up to your skull is perfectly safe. Yet somehow Apple recommends that you [don't hold their phone up to your head anyway.](http://www.idow...
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20880
>Falls Church VA Falls Church is an independent city. It has no county to levy taxes. The FY2017 budget shows a 1% city and 4% restaurant tax. Then you've got 4.3% VA state tax, and 0.7% Northern Virginia regional tax. Totaling 10%.
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20882
You are giving poor and uneducated people a lot more agency than they really have. Our system could do a better job of supporting and educating disadvantaged communities, but such communities are much easier to exploit when they are poor and ignorant so that is how they remain. Also teen pregnancy are at historic...
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20888
If you're waiting for Apple to send you a 1099 for the 2008 tax season, well, you shouldn't be. App Store payments are not reported to the IRS and you will not be receiving a 1099 in the mail from anyone. App Store payments are treated as sales commissions rather than royalties, according to the iTunes Royalty departme...
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20912
This seems very suspicious, as if it were fraud, and not a legitimate collector. Garnishing wages takes a court order. A court would require a bit more proof than a name. Names can easily be common, I know sets of first cousins named after the common grandparent, 4 pairs in my extended family, along with 2 triples. Th...
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20929
I wrote a simple monopoly simulation a few years back. The simulation handicapped one player for a set number of turns and then released the handicap eventually. Long story short, the initially handicapped player almost never recovered except when I handocapped the other players, bonussed the initially handicapped play...
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20943
What is not permitted in Islam is the practice of making unethical or immoral monetary loans that unfairly enrich the lender. Originally, usury meant interest of any kind. A loan may be considered usurious because of excessive or abusive interest rates or other factors. But In case of financial markets, people borrow m...
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20952
"Usually it makes sense to invest in individual companies when you're investing in a ""hot"" sector. Secular funds have their own risks that can be difficult to measure. First Solar is one of the premier PV players. The fund gives you a false sense of diversification. If you bought a mutual fund in 2000 in the computer...
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20958
Yes, but should you be even trying to get a mortgage if you can't aford at least a 5% deposit? Prove you do want the house by doing without a new car for a few years...
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20972
Geloman Indian Spares provide the best Indian motocycle spare parts and its redesign service in the United States. We have also an online store, Where you can take all Indian Motocycle spares parts online.The online system is very simple, which convenient and helps you to save you a lot of time. Our web stores have out...
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20987
1) The easy way is to find a job and they will assign you an SSN. 2) Here's the hard way. If you're Canadian, open a TD Boarderless account in the U.S. Put a small investment into any investment that would generate some type of income, such as capital gain, dividends, interest and etc... Then you will need to file ...
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20988
I'll point out that you don't actually have to pay your income taxes on time, just make sure to file on time. You will be charged interest (currently 5% ann., compounded daily). This is no big deal, I know plenty of people who do this. Note that if they pay you interest you have to report it on your taxes, but if you...
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20994
"This functionality is widely available, not only on brokerage sites, but also financial management and even financial information sites. For instance, two of the latter are Google Finance and Yahoo Finance. If you are logged in, they let you create ""portfolios"" listing your stocks and, optionally, the size of your...
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21019
[Image](https://imgs.xkcd.com/comics/physicists.png) [Mobile](https://m.xkcd.com/793/) **Title:** Physicists **Title-text:** If you need some help with the math, let me know, but that should be enough to get you started\! Huh? No, I don't need to read your thesis, I can imagine roughly what it says\. [Comic Explana...
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21023
Nope, think what a nightmare that would be, a bunch of shares would be issued and then sold to tonnes of people, who might sell various partial numbers of them to others, who might buy them and others from 20 others all as part of one order though multiple fills... It would be nuts, and if one were to issue a certifica...
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21032
"As a former regional airline pilot, I don't know of any commerical airliners that takeoff automatically. Although, it's something that I'm sure could be implemented pretty easily. However, autoland is a feature used very frequently on many commercial aircraft. As the top-voted comment said, ""not in your lifetime."...
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21055
"> We've been deficit spending for generations and we're trillions in the hole, and that's the psychological issue hanging over our heads. Let's unpack that a bit. What does ""trillions in the hole"" actually mean for the *issuer* of the dollar? It means that the issuer at various points has to redeem its own inter...
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21070
"For starters, the risk-free rate has nothing to do with stocks. It would be independent of anything. It pays out the same return in all states of nature. The definition of a risk-free asset is that regardless of how the universe turns out, including a meteor striking the Earth killing everyone but the recipient, th...
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21103
"Instead of using the actual index, use a mutual fund as a proxy for the index. Mutual funds will include dividend income, and usually report data on the value of a ""hypothetical $10,000 investment"" over the life of the fund. If you take those dollar values and normalize them, you should get what you want. There are ...
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21111
Most readers probably know that an acronym is an invented word made up of the initial letters or syllables of other words, like NASA or NATO. Fewer probably know that an initialism is a type of acronym that cannot be pronounced as a word, but must be read letter-by-letter, like FBI or UCLA. A quote from Daily W...
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21125
The new generation is all busy in themselves and their work making it really hard for them to communicate with their family members or friends. The divorce rate is today’s generation is quite high and one of the major reasons of the same is two people not giving time to each other.
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21130
I'm having a difficult time understanding how Chevron is avoiding taxes through party related loans. From my understanding, Chevron is providing loans to its Australian subsidiary at interest rates higher than market benchmarks. Does this shift profits from Australia to the U.S. and how does it help Chevron avoid taxes...
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21132
"**Planned obsolescence** Planned obsolescence, or built-in obsolescence, in industrial design and economics is a policy of planning or designing a product with an artificially limited useful life, so it will become obsolete (that is, unfashionable or no longer functional) after a certain period of time. The rationale...
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21136
You would need to pay taxes in India on your salary. It is not relevant whether the funds are received as INR or GBP. The taxes would be as per normal tax brackets. Note that if your company is not deducting any taxes, you would need to keep paying Advance Taxes as per schedule, else there would be penalty. Depending o...
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21163
Genius? Maybe if you have never traveled the [world](https://www.google.com/search?q=japanese+sink+over+toilet&client=opera&hs=EyV&source=lnms&tbm=isch&sa=X&ved=0ahUKEwjI_PjghI_XAhXK-lQKHdmTCkgQ_AUICygC&biw=1920&bih=981). This concept has been around forever. While this is innovative ...
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21167
You typically need to specify that you want the GTC order to be working during the Extended hours session. I trade on TD Ameritrade's Thinkorswim platform, and you can select DAY, GTC, EXT or GTC_EXT. So in your case, you would select GTC_EXT.
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21174
Dude- my background is in banking specifically dealing with these scenarios. Take my advice-look for a balance transfer offer-credit card at 0%. Your cost of capital is your good credit, this is your leverage. Why pay 4.74% when you can pay 0%. Find a credit card company with a balance transfer option for 0%. Pay no in...
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21189
"I'll skip the ""authorizing...."" and go right to uses of new shares: Companies need stock as another liquid asset for a variety of purposes, and if not enough stock is available, then may be forced to the open market to acquire, either by exchanging cash or taking on debt to get the cash."
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21190
"Great post - awesome pictures, and I'd love to see some more photos from the markets near you. Not too sure about the implication that ""you can make money if you know what you are doing with these counterfeit products..."""
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21194
Lots of places in the US do it. Although the way that they usually phrase it is 'prices reflect a x.x% discount for cash' since most of the credit card companies have an agreement that says you cannot charge a surcharge if someone is using a credit card. So they get around it by giving a discount for cash. effect i...
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21209
Fulfillment Services San Jose - We strive for accuracy, quality and quick turnaround time on all mail projects. With the ever changing Postal regulations, California Mailing is here to help you with your direct mail campaigns and insure that you receive all postage discounts available.
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21219
The Canadian bid is really good, I read parts of it. It lays out why Canada is fundamentally better by having all the right things covered. Basically the other areas are having to use tax breaks and incentives to make up for fundamentally bad business environments. It opens with a letter from Justin Trudeau with “De...
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21223
You generally need to use the prepaid debit card in the form it is received. Many don't allow you to remove the money from them at an ATM. If you can find out the prepaid debit card brand ahead of time, this would tell you whether or not it can be used at an ATM. For example, MoneyPass does allow ATM access for its pre...
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21225
"Real estate is not a good investment. In fact, it's easy to make a case for it being the worst possible investment imaginable: Imagine over a cup or coffee or a glass of wine we get to talking about investments. Then maybe one of us, let’s say you, says: “Hey I’ve got an idea. We’re always talking about good invest...
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21228
"It's people like her that get upset that the Levi jeans in her hands are not marked down by the Lee jeans coupon and then gets into an argument with the cashier who eventually gets a manager involved to get an override because the ""customer's always right"". All while the other customers are waiting in line looking t...
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21234
"As a former computer engineer turned Finance guy, I'll attest that Matlab (or even R) are immensely better analytic tools than Excel/VBA. Excel and VBA are ""good enough"" if all you're going to do is cookie-cutter DCF analysis (...lame), but if you want to do any advanced monte carlo simulations or something that req...
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21284
For reporting to the IRS, every bank account has a primary tax ID number associated with it. When there are multiple joint owners, they (the owners) usually pick a person at random to be the primary, unless there is a large amount of interest involved, in which case I would suggest consulting a tax attorney. As for th...
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21288
A gift between spouses has no tax implications. If one spouse dies the inheritance tax is always zero no matter how much of the estate passes to the surviving spouse. Gift taxes are actually related to estate taxes, so a gift no matter how large never requires filing any tax forms or paying any taxes.
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21306
According to your post, you bought seven shares of VBR at $119.28 each on August 23rd. You paid €711,35. Now, on August 25th, VBR is worth $120.83. So you have But you want to know what you have in EUR, not USD. So if I ask Google how much $845.81 is in EUR, it says €708,89. That's even lower than what you're see...
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21311
"403b plans are used by school districts, colleges and universities, nonprofit hospitals, charitable foundations and the like for their employees while 401k plans are used by most everybody else. I would suspect that a school district etc can use a 401k plan instead of a 403b plan if it chooses to do so, but the revers...
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21313
An oxymoron is something that contradicts itself. Inside trading is sharing information that isn't public. How the fuck do you think these hedge funds and investment banks can offer almost 50% returns during these times in our economy??? Oh yea it's called inside trading. Reason why it's an oxymoron is because trading ...
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21314
"This sound like a very bad idea. If you invest exclusively in silver, your investment is not diversified in any way. This is what I would call risky. Have a look at index funds and ETFs and build a diversified portfolio. It does not take much time, and you don't need to let it do by someone else. They are risky too, b...
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21319
I don't like paying the percentage on the supermarket coin counters, and don't feel like buying a coin counter so I have my own solution. I keep higher value coins for vending machines, parking meters etc, and lower value coins I put in charity boxes.
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21325
A couple of thoughts from someone who's kind of been there... Is the business viable at all? A lot of people do miss the jumping-off point where the should stop throwing good money after bad and just pull the plug on the business. If the business is not that viable, then selling it might not be an option. If the busine...
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21338
My understanding it that the signature requirement is at the retailer's discretion. If the merchant decides to require a signature it protects them against fraudulent charge-back claims, but increases their administrative costs. In some situations it just isn't practical for a retailer to require a signature. Consider ...
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21342
I'm curious what the number is when you factor in the stress and lost time doing things you would enjoy rather than laundry, cleaning and driving around. Considering the environmental and political status of the world, I see no reason to have children other than selfish ones.
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21343
>This problem could be fixed by having fewer MBAs leading companies, and more engineers and scientists. This is funny. There's only 1 MBA on that list, but he also attended the School of Engineering at Duke University
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21344
Businesses have since quite a while ago utilized some type of a conventional chain of importance structure to work. This framework includes representatives answering to director's Business Business administrations who at that point have their own particular managers et cetera. Most representatives are acclimated to thi...
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21356
I went to lunch at one a few years ago and it ended up being around $15 with tax and tip. Lunch was mostly bread products. Stuff I could have cooked at home for under $2. Total ripoff. Also, local mom and pop restaurants have $6-$8 lunch specials. The food is ten times better and you can get out for $5 less. The...
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21376
But what about the following scenario which is my paraphrasing of a Nanex article (I'm hoping you can help clarify this for me). 1. I observe a 1,000 lot @$10 advertised for Sell on a lit exchange. 2. I try to lift the 1,000 by placing a limit order @10. 3. My order goes through some kind of order routing process. F...
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21377
And the card companies not only don't seem to care, they actively try to prevent public knowledge of the issue. I think Mythbusters was going to do a show about it, and on of the companies told Discovery they'd pull their large ad campaign if the show was aired.
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21385
When Eddie Lampert took over, he boasted that people didn't care about crap like that if it meant lower prices. They spend something like 1/4 or 1/8 on store maintenance as everyone else does. So now only does that show, they still can't beat walmarts pricing.
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21404
CD laddering is funding a few CDs in succession. For instance: for 6 months, each month you open up a 6 month CD (rather than opening up one big one). Doing this will give you monthly interest payments as each month a CD will reach maturity (after 6 months). At that time you can choose to roll over the principal in a ...
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21405
If only SOMEONE would make a decent android with a blackberry-style keyboard, RIM could die a more honorable and fast death. I'm still using an old BB and the only reason I'm holding off on buying the Blackberry Bold 9930 (the one with the half-height touchscreen) is because I'm afraid the company is about to go out o...
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21416
The simplest way to handle this would be to buy money orders, make them out to the charities, and leave your name off them. Money orders don't require you to put your name on them, just the name of whoever they're being paid to. You can mail them with no return address as well if you're sure you have the charity's pr...
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21420
There is no accounting reason that it should be different, there are likely psychological reasons that it should be, however. Assuming that you live in a western country with good banking regulation, you likely have deposit insurance or a similar scheme. Here in Canada we are covered up to $100,000 in a single account...
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21449
Aaah, okay that makes much more sense now. Thank you for clarifying. I completely see what you mean. And I second a lot of what you just said. You didn’t exactly answer my question but that’s okay — I very much enjoyed what you’ve said anyways and it was interesting to hear your opinion and thoughts on such a matter. ...
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21457
Given that utilizing all the funds available to you drains your retirement and leaves you with very little cushion for unforeseen events (as already noted), it may be best to use a smaller amount for closing and just deal with the PMI for a couple years. PMI is likely less than the taxes/penalties incurred from withdra...
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21465
The Company M/s. I-Lace Fashion (Pvt) Ltd., was established on August 2007, as a leading exporter of Leather Garments and Textile Made-ups from Pakistan. It is part of a group of companies & the group is primarily engaged in the exportation of Textile, Fabrics, Garments, Bed Sheets, and Leather Jackets since 1984. ...
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21467
There is a much simpler explanation. Resources unlike human labor are scarce. As we use up resources the price for these resources rises. In an effort to keep prices low, wages are not increased. This leads to effectively less spending income. Automation and advancement only slow the process. Labor is in no short suppl...
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21468
"If you've already got emergency savings sufficient for your needs, I agree that you'd be better served by sending that $500 to your student loan(s). I, personally, house the bulk of my emergency savings in CDs because I'm not planning to touch it and it yields a little better than a vanilla savings account. To address...
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21474
I've yet to meet an illegal making a shit wage. So yeah not rally. People don't want to do construction because it's brutal work and working for apple as a programmer pays 3x to be inside and not in 110 degree heat.
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21486
Don't have access to a Bloomberg, Eikon ect terminal but I was wondering if those that do know of any functions that show say, the percentage of companies (in different Mcap ranges) held by differing rates institutionally. For example - if I wanted to compare what percentage of small cap companies' shares are 75% or mo...
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21488
Take a look at Transferwise. I find them good for currency conversions and paying people in India from a US bank account.
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21490
I think it depends on how much time I am saving and what I am saving doing. I do not go out of my way to save a few pennies on gas. But If i know that I will be traveling somewhere with cheaper gas anyway I will wait to get there to fill up. But I if I need gas before there I will fill up at the place i stop rather ...
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21495
I will never tip an Uber driver unless it's something seriously extraordinary. I've used it for a while and still do and the prices are the same. I've talked to many, many drivers and they all talk about the money they make and the hours they work. No thanks, there's no way I'm going to start doing that all the sudden ...
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21499
Is the government really spending your money in such a good way that you want to give them more of it? They spend huge proportion of tax money on fighting wars and imprisoning people. I'd rather have my money. But if you're really convinced that taxes are such a great idea then convince me. Show me some evidence.
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21507
"What in the world to shareholders have to do with it? Nowadays, the vast majority of the shares in most big corporations are ""owned"" via intermediaries (i.e. mutual funds and 401K's, IRA's and Pension Funds) that do not ALLOW the actual end owners to have any say whatsoever. All those investment vehicles *allow* p...
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21511
I will be general. It's more fun. If everyone in auto manufacturing labor was replaced by a cheap robot tomorrow, then cars would be cheaper. Those of us who buy cars at 50% less could spend that on video games and facelifts. All the auto laborers could make more money doing less labor in the video game and plastic su...
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21530
"Calculating beta is finding the correlation between the dependent variable, MSCI world benchmark, and the independent variable, your companies. If you know how to run liner regression models, run each company as the independent variable with the dependent MSCI. You can use Excel to gather this result (Y = MSCI price c...
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21563
Well I'd argue both are sleezy and undesirable, but I'd much rather have the state do it than unregulated firms. The state sponsors anti-addiction campaigns paid for in part from lottery revenues, and excess profits can go towards education and healthcare. It's inefficient, especially with all the bloated bureaucracy...
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21574
>If businesses cannot turn a profit while paying for a healthy minimum wage, they are bad for the economy and deserve to die. Tell that to all the minimum wage workers that would lose their jobs and deny most of them the ability to get back on the jobs ladder at all. Also tell that to the taxpayers that now have t...
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21576
"TL;DR summary: 0% balance transfer offers and ""free checks usable anywhere"" rarely are a good deal for the customer. 0% rate balance transfer offers (and the checks usable anywhere including payment of taxes) come with a transaction fee because the credit card company is paying off the balance on the other card (o...
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21591
There's a lot of foreign small and big businesses - as well as foreign individuals - that would love to invest in India. But they can't because of the strict regulations and outright prohibitions on foreigners. And instead of tearing down barriers to entry, Indian government is introducing more protectionist measures...
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21598
Much information comes from this source. Your tags say you are in New York. New York security deposit law requires that you store the security deposit in a banking institution. Additionally, the deposit must be stored in a separate account, not your own personal account. If the lease is for six months or more, the mone...
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21604
yes, and how is it not a monopoly? if someone owns a piece of forest, doesn't he have a monopoly on it? or are you saying he would have to own _all_ forest in the universe for this to be true?
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21605
I agree with the article, but one thing I wonder about: how much is driving suppressed because of the relative high price of gasoline and the relative lack of fuel efficiency in cars? In other words, are we going to put more cars on the road and drive on average more km per yr per if we have a sort of quantum leap in f...
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21608
"Yeah. This shorting the box nonsense is an extremely expensive way to capture downside. If I just drop $1000 on a long-dated out-of-the-money put I have significantly more downside exposure for much much less than the [100 X $160 - (call premium)]. That's like 16 grand dude!!! It does keep you more delta neutral, but ...
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21609
Um, no? The business pretty clearly laid out what it expects out of its employees, and what it expects is illegal. You can't hire on the basis of religion, period. It's not even a he said/she said, the business already admits what it does, and based on its members it's quite easy to prove. If this were an atheist that...
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21620
I always thought high-risk investing is hit or miss, but this is working out very well with the stocks I've chosen High risk investing IS hit and miss. We are in an historic bull market. Do not pat yourself on the back too hard, the bear can be around any corner and your high risk strategy will then be put to the te...
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21625
"I see this as a silly question. Neither country will become ""dominant"". They're both mid-sized resource-based economies, and that won't change any time soon. Australia has more copper, cattle, and gold, but Canada has more oil, wheat, potash, and timber. The resource sectors in both economies will continue to th...
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21626
I personally do not buy any those so-call forecasts - look no further than the economic forecasts by those experts with PhDs over the last decade or so. Truth is there are too many factors that affects the tuition fees that far down the road (think inflation, cost of living, the method for which the education is being...
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21683
Cute, but 100 years of market history will show you the fundamentals have persisted for a reason. Every industry in history has tried to pull this “but this is different” thing off (oil, gold, semiconductors) and they have ALL been brought to reality in time. There is no reason to think today is any different. There wi...
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21688
> If you're saddled with a ton of debt and also don't have a degree to show for it, I'd say it's much more likely you're going to have trouble paying it off. This is how generational poverty continues.
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21695
"I believe money market ""funds"" (ie a mutual fund) would pay dividends, and you would get a 1099-DIV. A money market ""account"" however is probably actually a bank account, and you would get a 1099-INT for that. It depends how the broker has set it up. I have one of each with different brokers. If your ""money mark...
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21699
"You pay tax on the entire amount, not just the capital gains. When cashing out such a plan you would pay the top marginal tax rate on the full amount plus another 10% in penalties. It is very likely that the additional income, of the balance withdrawal, will increase your top marginal rate. It is impossible to co...
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21706
It is a more subtle form of force to be destined to live as a second class citizen for no reason other than the station of your birth or your religious beliefs. Whether this status is codified in law or through the collective will of the ownership class, it is a far worse injustice than being forced to do business with...
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21714
As mass production has to be accompanied by mass consumption, mass consumption, in turn, implies a distribution of wealth ... to provide men with buying power. ... Instead of achieving that kind of distribution, a giant suction pump had by 1929-30 drawn into a few hands an increasing portion of currently produced wealt...
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21742
Doom and gloom. Everything adjusts. Less tax break here compensated by lower overall tax rates. Actually, Realtors have less concern with this then you would think. Those really concerned are bankers. The financial industry has been messaging Americans for years that mortgage deductions are the best thing in the...
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21757
"Maybe if you read the article, you would have seen: ""The data was obtained from the county Department of Public Social Services -- which is responsible for doling out the benefits -- and gives a snapshot of the financial costs associated with sanctuary and related policies."" Keep your head in the sand buddy. Just...
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21761
"Dad-material = you are missing soft skills but you can provide me with financial security. I am going to take palimony for 18 years in exchange for sex. Outcome... short-term physical relationship. ""Husband-material"" = you have a adequate or appreciated personality and soft skills. Kids are an option, just not the...
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21764
The amount stated is the total amount of money the customer will be paying to the company. How much profit that will translate into is dependent on the type of contract. Some types of contracts: Cost plus fixed fee: they are paid what it costs to complete the contract plus a fee on top of that. That fee represents the...
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