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21768 | Being long the call is being long the option. The call is a type of option. A put is a type of option If you buy a call, you are long an option and long the underlying asset. If you buy a put, you are long an option and short the underlying asset. | [
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21786 | The value of a share depends on the value of the company, which involves a lot more than the value of its assets -- it requires making decisions about what you think will happen to the company in the future. That's inherently not something that can be reduced to a single formula, at least not unless you can figure out ... | [
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21790 | The DIY approach can be useful for regular dusting and cleaning, but when it comes to thorough cleaning, do it yourself does not seem a viable option Carpet cleaning is one of the intimidating tasks that call for professional intervention. | [
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21810 | There are two alternative explanations: Choose the explanation you prefer based on your level of cynicism. | [
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21818 | In principle I agree with you. However the allegation is that the people managing the IPO withheld crucial information and informed insiders against investing. Maybe the allegations are false, but it should still be looked into. If the IPO shared crucial details with insider traders while keeping it from the public at ... | [
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21827 | don't get stalled in the notion that in ONE call, some MAGIC will happen, if you DO IT RIGHT reality is a cold call is only the first call. sales usually requires a sequence ...relationship/confidence building route (multiple calls) | [
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21836 | Don't both of your first two points also apply to PV panels? In fact, to generate the same load, I'd imagine the material requirements are much higher. And storage doesn't seem like that big of a problem. Don't we already have the holes they were dug up from to put them back in? | [
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21843 | They are using a tax arbitrage, a variation of Hollywood Accounting. This is a common tactic adopted by all big companies, including GE, Apple, Microsoft, Google and hedge funds like Bain. The company's management has only one legal duty, to maximize the shareholder value and this is one way of doing it. Depending on ... | [
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21846 | You're right. That's pretty much it. You get a deduction for any medical expenses above 10% of your Adjusted Gross Income. You also have to itemize your deductions; claiming the standard deduction won't do. | [
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21866 | Well, it totally depends on what you're ordering... just like ANY food. Sour Cream and extra guac will surely set you back, even if it's a fresh version of it. I order a bowl that gets me between 7-800 calories which is a good amount for a full meal. | [
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21870 | You don't have to do the prepaid PP card, just get him his own PP account and then order him the PP debit MC. It will act as a debit on his PP account just like the Student Account card. | [
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21872 | You borrow on the international makets. [Moody's predicts Scotland would get an 'A' credit rating](http://www.bbc.co.uk/news/uk-scotland-scotland-politics-27247870) [Standard & Poors - Independent Scotland could be AAA rated](http://www.businessforscotland.co.uk/independent-scotland-could-be-aaa-rated-standard-p... | [
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21883 | "Insufficient funds will cause a check to bounce. If there is evidence that you ""kited"" the check deliberately, that's a potential fraud charge. If the vendor accepts that you were just stupid/careless, you'll probably just have to pay a penalty processing fee in addition to making good the payment. It is your respo... | [
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21885 | I think part of why it is perceived is so bad is because the fluctuations in housing prices are relatively large, especially compared to the amount needed to put a down payment. This is not an uncommon scenario: And this is not even being underwater, just being even. Imagine how much worse it feels if your dream of h... | [
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21896 | Yes, they're using it as a currency. What they actually have demand for is houses and Lambos, and if bitcoin wasn't available they'd be happy to do it in any other currency. When any other currency goes up it's because there's overall higher demand than supply for it, to buy things you can only buy in a particular cu... | [
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21903 | The value of money is not only in the earning and saving of it but also in the discipline in spending it. Any approach to teaching children about money must ensure a balance between the two otherwise they will either become fearful of spending (and so never actually learn that money is but a tool and can be enjoyed) o... | [
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21907 | When you wish to go for a party in London and if you feel that you want some comrade to be with you then you can get in touch with the elite escorts who would help you in making your day special. Of course, you can always tell them that how you want things to be done. | [
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21910 | As @Dilip suggested in the comments, the problem is the accountability of the reimbursement plans. In order for the reimbursement to be non-taxable, there has to be a reimbursement plan and policy set up by the employer, it has to be done per receipt, and accounted for correctly. If the employer just cuts you a check -... | [
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21913 | A bit anecdotal, but I once studied Erasmus and one of my buddies was from France. Long story short, he was to be paid a monthly stipend for living/studying expenses from the French gov't (very typical for Erasmus/study abroad in Europe). He didn't receive his FIRST check until about 4 months after he had returned to F... | [
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21948 | We can only print money until we start to see the effect in inflation, true, but we've got quite a way to go before that happens. Currently, t-bills are paying under .2% interest/year. Money can be borrowed at a historic low rate. No one worried about this huge amount of debt when Bush was running it up. Now that t... | [
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21951 | This is the guy who created thousands of jobs, through his own hard work. Sure, it's easy to ignore the years of his life where he went without, when you look at it out of context. But whether you agree that people should be able to make a profit or not, he *does* actually employ thousands of people. He pays them money... | [
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21957 | "I don't understand the OP's desire "" I'd love to have a few hundred dollars coming in each month until I really get the hang of things. "" When growing your wealth so that it will be large enough in retirement to throw off enough profits to live on ... you must not touch the profits generated along the way. You mus... | [
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21961 | All great questions, thank you. We are one of a several piano stores in south eastern MA, but many people will travel a fair distance to find the right piano. Our largest group of customers are middle to high income families. We've played our ad on the local abc family channel and on local pop radio stations. https://w... | [
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21975 | "In an IPO (initial public offering) or APO (additional public offering) situation, a small group of stakeholders (as few as one) basically decide to offer an additional number of ""shares"" of equity in the company. Usually, these ""shares"" are all equal; if you own one share you own a percentage of the company equal... | [
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21986 | "It really depends on the value your financial adviser provides. Does he help with your 401K? Does he help you avoid making foolish moves? Does he really help you find funds that beat average market returns? Many people answer ""no"" to all of these questions and do their investing on their own. I personally prefer... | [
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22021 | > I have been an owner of the Planet Hollywood Westgate unit in Las Vegas for 2 years! Every time I've tried to use it, it is never available. The one time they told me it was available; they told me it was at Flamingo Bay in Las Vegas, not the one that they have me paying $900 a month for. Then they had the nerve t... | [
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22026 | "Plenty of good answers here, but probably the best answer is that The Market relies on suckers...er...investors like you. The money has to come from somewhere, it might as well be you. So-called ""day traders"" or ""short-term investors"" are a huge part of the market, and they perform a vital function: they provide... | [
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22028 | "Thanks for sharing. I think it's a great idea to allow everyone to speak freely and share their thoughts in an open format for critiquing. I've watched [similar TED talks](http://www.ted.com/talks/dan_ariely_what_makes_us_feel_good_about_our_work?language=en#t-66168) that have shown this practice gives more value to ... | [
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22036 | ">the population is burdened with debt and anxious about job security, and long term security and healthcare (and not sending them into poverty because of it) and the country remaining solvent and what the next financial crisis will be and the terrorist boogymen H. L. Mencken once said, *""The whole aim of pr... | [
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22038 | The P/E is currently 20. In hindsight, it's easy to see that when it was 50, not long ago, it was very overpriced. They were not adding customers or increasing revenue as they should have to sustain that P/E level. Probability? I suppose this can happen with any company that has both a high P/E and non-diversified bus... | [
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22060 | I like the Australian “standard”* Best Before: For the retailer: Means the retailer should not complain to the supplier if the product has gone bad after this date. Used by: For the consumer; means the customer should not complain to the retailer if the product has gone bad after this date. Ie it has nothing to d... | [
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22067 | You keep a copy of the dashed check, and tell him to pound sand. If he contacts you again, you tell him that you will charge him with fraud. By accepting the check and cashing it, he acknowledged the debt is paid. | [
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22078 | "Many of the business posts are adverts or self-promotion or people hyping stock ""tips"". Also get a fair number of (lazy) people who want this sub to tell them how to get into business, or what a good business idea is (versus doing research, and then saying ""this is what I've got, what about this problem, or this ... | [
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22107 | they don't have to 'go through' Instagram. It's not purchased through Instagram with them getting a cut. This is an option on the post, just like a location tag. As for if people will do it or not, yeah, that's still up to the influencer to be honest and within legal guidelines with this system just like it is now for ... | [
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22108 | Im always suspicious whenever an article uses 2 data points to suggest a trend. November 1997 and December 2016. Ok? What about all the years inbetween? '97 may have had an unusually high number due to the Dot Com boom when everyone and their brother were creating do-nothing websites and going public. | [
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22132 | That is silly to say it isn't a reward for the quality of the waiter. WTF is a tip for then? Why do we not have base compensation without tips, with final prices finalized into all goods? No, a tip *is a reward for quality* **of service**. I give a 10% tip for horrible service (service, not food). I give a 15% ti... | [
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22143 | NAPFA claims to have members in Canada. They are an organization of fee-only financial planners--they work for hourly fees, not commissions, so they have no conflicts of interest when giving advice. | [
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22150 | Hot dogs - counts as part of the food basket. Hardly one-off. Cars - maybe could be included. On average, people buy cars every 5 years, so 12 cars for an 80 year old. Gas - that one could well be warranted, the problem is the high volatility and the fact that fluctuations are not due to inflation, but rather commo... | [
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22165 | "Yeah, sounds like you're right on track. You should probably consider a liberal arts major instead of econ or finance there Quinz33... they don't really concern themselves with relevant facts... and pretty much just say the first thing that comes to mind. ""PINEAPPLE! SQUID! MONGOOSE!"" And based on your response... | [
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22169 | In India, the amount of dividend you get is based on the face value of the stock. If the stock's face value is Rs. 10 and the company announced a dividend of 20%, you will receive Rs.2 per share.To see whether you qualify to receive a dividend, see the ex-dividend date of the company. If you purchased shares before tha... | [
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22193 | Same could go for flying private. At the end of the day there is a cost benefit and what an employee's time is worth. My employer doesn't give a shit, so I pay for my own business class out of pocket. People I deal with externally all fly business, which sucks when you are on the same flights. | [
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22205 | "I mostly agree. However, I also recognize a redditer ""type"" who is impervious to any logic. When your point doesn't fit within their world view, they most often retaliate by downvoting, or downvoting AND posting an angry, curse laden rant. I believe the guy above was just saving time by preempting their initial res... | [
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22207 | "I agree with all the people cautioning against working for free, but I'll also have a go at answering the question: When do I see money related to that 5%? Is it only when they get bought, or is there some sort of quarterly payout of profits? It's up to the shareholders of the company whether and when it pays divide... | [
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22209 | Beware of surrender charges also Surrender Charges Many annuities will impose a surrender charge if the annuity is cashed in before a specific period of time. That period may run anywhere from 1 to 12 years. A typical surrender charge is one that starts at 7% in the first year of the contract, and declines by 1... | [
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22221 | Rebalancing your portfolio doesn't have to include selling. You could simply adjust your buying to keep your portfolio in balance. If you portfolio has shifted from 50% stocks and 50% bonds to 75% stocks and 25% bonds, you can just only use new savings to buy bonds, until you are back at 50-50. Remember to take into ... | [
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22263 | Yes. The real question is whether you should. You should consider your investment options, and take into the account that there's much more hype than value in many companies. | [
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22268 | "They don't actually need to. They accept deposits for historical reasons and because they make money doing so, but there's nothing key to their business that requires them to do so. Here's a decent summary, but I'll explain in great detail below. By making loans, banks create money. This is what we mean when we say th... | [
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22304 | This is rather simple if you understand a trailing limit order but to be sure I am going to explain a limit, trailing limit, and trailing LIT order. I am going to use an example assuming that you already own a stock and want to sell it. Limit Order I place an order to sell 100 PG @ 65.00. This order will only be execut... | [
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22327 | That's a false analogy. If somebody took me somewhere to eat that made me sick, that's a direct reflection on their ability to recommend places to eat, but nothing else. If he's also a top notch electrician, I listen to him when he gives me electrical wiring advice, I just don't let him choose where we go for dinne... | [
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22338 | OP, I was in a similar situation in college. Worked at a large fund doing back office stuff. It was a terrible job, place was out of whack and it was not align with my educational or professional goals. It was a six month program located in Boston and at the time I was in Albany. Had to move out there and I stuck in ou... | [
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22346 | "> I am confused how you spin an ""infinite mileage warranty"" into something negative It will increase their costs in a business model which, until recently, lost money on every unit. It's good news for buyers in the short term. If Tesla goes out of business, however, the infinite-mileage warranty won't make any ... | [
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22353 | "The short answer is you're tax exempt if the tax laws say you are. There are a bunch of specific exemptions based on who you are, what you're buying and why. Taking British Columbia as an example. One exemption is supplies for business use: Some exemptions are only available to certain purchasers in certain circumsta... | [
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22360 | Yes, it is. The reason they are forced out, is because their homes become so valuable. If you living in a home that has become worth millions, and can't afford the taxes, then sell up and enjoy your riches. Should that necessary tax money instead come from the working class, to subsidize millionaires that wan... | [
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22378 | There's also the option to put most of your stuff into storage and rent an apartment or go to an extended stay hotel. Some apartments have month-by-month options at a higher rate, though you may need to ask around. I've known some people to use this as their primary plan because it was easier for them to keep the ho... | [
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22394 | Unsecured loans are loans that have not been “secured” with any kind of collateral. For example, the bank does not have the ability to take your property or automobile if you stop making payments on an unsecured loan. These loans are sometimes referred “signature loans” due to the face your signature on the loan agreem... | [
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22401 | Cfa charterholder here. Level 1 is mostly likely yes. Materially is relatively simple. Levels 2 and 3 will require over 200 hours each. When I passed level 3, I actually recorded the time it took me to study. Was about 236 hours. | [
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22412 | That transaction probably cost the merchant $0.50 + 3% or close to $5. They should have refunded your credit card so they could have recouped some of the fees. (I imagine that's why big-box retailers like Home Depot always prefer to put it back on your card than give you store credit) Consider yourself lucky you made ... | [
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22425 | "From IRS Publication 970 Tax Benefits for Education Note: Qualified tuition programs (QTPs) are also called ""529 plans."" Changing the Designated Beneficiary There are no income tax consequences if the designated beneficiary of an account is changed to a member of the beneficiary's family. See Members of the ben... | [
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22426 | Out of the money options often have the biggest changes in value, when the stock moves upward. This person could also gain, by the implied (underlying) volatility of the stock rising if it moves erratically to either side. Still seems to be a very risky game, given only 4 days to expiry. | [
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22436 | There are numerous car repair services around Vegas but only a few are trusted and most reliable. We recommend carrepairvegas.com for you. Visit at 5400 E Tropicana Ave, Las Vegas, NV 89122 or call for inquiries at 702-433-5823. Website: http://carrepairvegas.com/ | [
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22456 | The joint narrative here is that a Democracy is a poor form of government. That’s why it is great that we don’t have a Democracy. We have a republic. And our Republic is showing fracturing. What causes fracturing? It isn’t just difference of opinion, as Madison states. It is also a refusal to listen to, work with... | [
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22457 | I had this thought after I posted the comment. If you are really more interested in the learning and research, you know plenty of math already. Fields like behavioral finance that are really cool and growing fast and my not require the quant math. | [
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22469 | It is very likely that the fund paid out a dividend in the form of reinvested shares. This happens with many funds, especially as we come to the end of the year. Here's a simplified example of how it works. Assume you invested $1000 and bought 100 units at $10/unit. Ignoring the daily price fluctuations, if the fund... | [
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22477 | I think that if the price does not go very far up, then your order will open on 101, because you are setting a limit order, if suddenly the price goes up very quickly or with a gep even, then you may not be given a position. But this is with a limit order and it is better to check with the broker. There are also warran... | [
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22483 | "Pay cash. You have the cash to pay for it now, but God forbid something happen to you or your wife that requires you to dip into that cash in the future. In such an event, you could end up paying a lot more for your home theater than you planned. The best way to keep your consumer credit card debt at zero (and protec... | [
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22497 | Think of GDP growth as a weighted average of all agents in the country that produce goods and services, some grow, some retract, we get an average of ~1.5%. While the S&P 500 is just the weighted average of the 500 largest **public** companies, and while some shrink, most are growing. They are responsible for a p... | [
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22509 | Shopallitems.com is a design and way of life e-store that offers other home, stylistic theme items for your room, lounge, lavatory and yes for your children's rooms as well. Fashionist as can shop from a scope of ladies' apparel, extras, footwear, KITCHEN ACCESSORIES and excellence items. So now, give your home and you... | [
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22519 | I think we would be good with paying around $1200 monthly mortgage fees (with all other property fees included like tax etc.) You probably can't get a $250k house for $1,200 a month including taxes and insurance. Even at a 4% rate and 20% down, your mortgage payment alone will be $954, and with taxes and insurance on ... | [
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22533 | I don't think the word 'irony' means what you think it means. If I cared at all about magic internet points, I would dole out downvotes (and upvotes) much more often. The fact that I am not even going to downvote the abject nonsense that you wrote above should speak volumes. | [
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22545 | > All this hate on Wal-mart is coming from over-privileged bloggers who get paid to write stupid bullshit the entire year. Can you verify this claim? I'm not saying you are wrong, but it would be interesting to know what your motives for attacking the messenger are. | [
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22554 | It's actually embarrassing how bad some of our infrastructure is. If you've ever spent time in most of western Europe or the more modernized Asian cities, you'll realize that our infrastructure and public transit is essentially far behind the other leading countries in the world. It's a complicated topic, and there are... | [
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22559 | Your nazi publication lied (which is admittedly goes without saying) These changes will result in the reduction of up to 12,000 positions **globally** Why do you hate my country so much you would spread anti-American propaganda? | [
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22562 | "I don't know how many people ""a ton"" is, but if you are getting more than, say, 6 people who are qualified to rent, you've priced it too low. Better to ask for $1200, and have a potential tenant haggle or ask you to reduce the price than to have 6 people want it for $900. It's worth it to run a credit report, and l... | [
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22578 | Be cognizant of your own limitations when approaching this material. I've dealt with lawyers, doctors, engineers and other highly intelligent people from other disciplines, who then try to learn about companies and the stock market. Their own arrogance and assumption that they can just learn anything *quickly* ends u... | [
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22592 | The article made it seem like a lot of these were frivolous purchases, but I doubt there's any clear data on the percent that were someone's primary vehicle, etc. Usually if you default on a new-car loan you can still get a high-interest loan for a used car that will still be a lot less than your old payment. | [
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22596 | "Too many of my fellow Americans are obsessed with policing each other's sobriety. Couple that with privatized healthcare / insurance and a bunch of companies will drug test just to keep their rates down. Anyone who criticizes it will be shamed for ""Wanting to get high""." | [
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22599 | The easiest way would be to set up a common savings account. Most of them pay some meager interest rate, and over one night it would be especially meager. A Certificate of Deposit is another way, but you'd have to lock the funds in for an extended period of time. | [
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22605 | "When I heard the Facebook IPO was finally happening I remember saying, ""This is going to be like a feeding frenzy. The ultimate showcase of everything that is wrong with the stock market. It will be automated trading and big money tearing every penny it can from the pockets of 'speculators' who think investing in a b... | [
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22611 | "It's either equal weighted or market cap weighted, not both. This one appears to be equal weighted. "" S&P Pharmaceuticals Select Industry Index (SPSIPH) is an equal-weighted index that draws constituents from the GICS sub-industries that contain companies involved in pharmaceutical related activities. Liquidity... | [
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22637 | > Point being, the problem hasn't been fixed. The deficit went from enormous in 2009 to simply large today. Deficit is currently at 2.3% of GDP. The USA is analogous to a person who is making $200,000/year, has $120,000 in debt, and took on an additional $6,000 in debt this year. The $6000 number (the deficit) is n... | [
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22642 | Self-Controlled Energo Neuro Adaptive Regulation (SCENAR) device is one of the most effective medical devices developed by medical science in order to treated acute and chronic pain. This device is manufactured by Russians but today available at most of the healthcare centre. For more information please visit scenar.bi... | [
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22651 | Generally just giving a Bank Account Number does not cause damage. It depends on what other information the user has and the country you are in. Generally Bank take telephone instruction for certain [non-transactional] activities , and they would authenticate you by asking account number, address, date of birth and so... | [
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22653 | I would suggest equity research, or as mentioned, consulting. You could go into IB. Your main hindrance is your age, how long has it been since you finished your PhD? Equity Research: you will analyze companies, on an individual and micro basis, and provide macro point of views on the industry etc. Sales/Trading: yo... | [
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22688 | Yes though I'd likely put a caveat on that. If you take short-term investments and extrapolate the results to get an annual result this can be misleading. For example, if a stock goes up 10% in a month, assuming this will continue for the next 11 months may not be a great idea. Thus, beware of how much data do you have... | [
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22704 | > The European economy was not utterly doomed before the Euro, therefore the fall of the Euro does not doom their economy. I'm not sure how that's related at all. Just because at some random point in time, the European economy was doing OK, doesn't mean that it will definitely be ok again in the future after a jar... | [
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22710 | How is it a write off? I write off my mortgage interest, it reduces my taxable income, but has no impact on my EBIT. If I paid workers more, my EBIT would go down and, due to this, my taxable income would go down. One is independent of my earnings, the other is a function of it. The former is a write off, the latter... | [
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22719 | "This seems like a risky setup. All it takes is one missed or delayed transfer for you to overdraw your ""savings"". There is a benefit to keeping your regular expenses and savings separate, and I can see some benefits in having multiple checking accounts depending on how you organize your finances, but I don't see a... | [
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22732 | Cause the ads are so fucking annoying. They advertise stuff I don’t care about way too often and it’s the same ad over and over again. Every time I listen to sound cloud in the car and there is an ad I turn the volume all the way down. | [
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22742 | ">Insurance: Uber/Lyft only insure their drivers while they are loaded. Meaning any other time they are driving around, even if they are driving to a call, they aren't insured. If they get in a wreck, their own car insurance won't cover it because they don't have taxi insurance which is a shit load more expensive th... | [
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22755 | The only problem I have with Toyota is their design. Why should I buy a recent Corolla when a Civic is so much more technologically advanced? It looks like Toyota is changing their design language with the Camry though. Fingers crossed that they keep it up. | [
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22763 | "NO, IT ISN'T. You would give my economist friend an aneurysm with this article. If you remove yourself from the labor market why should you be counted as unemployed? That's like calculating the odds of the lottery by including those who stopped buying tickets because they lose too much. It's nonsense! It may be ... | [
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22777 | If this happened, first you would be breaking the law for driving without insurance. Second, my uninsured motorists insurance would cover it. Third, your personal net worth is not zero. You are the owner of all those corporations which happen to own those assets. I could sue you and you would have to liquidate your s... | [
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22784 | Japan currently has an economy roughly twice the size of Canada's. I'm not sure how fast Japan is growing but I think New York state might pass Canada's GDP in the next few years so i don't see Canada getting to Japan's level anytime soon. | [
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22793 | "I think he is trying to grasp at a marketable slogan here to see what would grab a lot of attentio to allow them to make a lot of money at his company. It sounds like ""4 hour workweek"" kind of thing. everyone knows its bs, there is no way you can work for 4 hours and make a lot of money in a week, buts its this kin... | [
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22804 | If you don't have other installment loans on your credit report, adding this one could help your credit. That could potentially help you get a better interest rate when you apply for a mortgage. There are positive and negative factors. Positive: Negative: | [
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22805 | "Compound Stock Earnings, CSE principals Joseph Hooper and Aaron Zalewski are nationally syndicated radio talk shows hosts (listen to archives), investors, financial educators and authors of the all time best selling book on its topic, ""Covered Calls and LEAPS: A Wealth Option""." | [
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22807 | Genius answer: Don't spend more than you make. Pay off your outstanding debts. Put plenty away towards savings so that you don't need to rely on credit more than necessary. Guaranteed to work every time. Answer more tailored to your question: What you're asking for is not realistic, practical, logical, or reasonable. ... | [
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22815 | I tend to disagree. I think Amazon will find that as soon as it tries to raise prices to make a profit that people will type 'walmart' instead of 'amazon'. See how easy that was? Services are a good business too but the competition there is also vicious. Further, the piper has to be paid eventually. Sure Amazon has g... | [
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22819 | That was a quote from the article itself... There's a good link involved in that excerpt... Read it... Job lock is a real thing... That's the only reason people remain at the large corporations that treat them just like a number and don't give a crap about them... People work for large companies with fucked up schedu... | [
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22834 | "This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-07-01/illinois-blows-budget-deadline-pushing-it-closer-to-junk-rating) reduced by 86%. (I'm a bot) ***** > Illinois entered its third straight fiscal year without a budget as Republican Governor Bruce Rauner and Democratic ... | [
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-0.... |
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