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24911 | Gee. Wouldn't it be nice to have that Russian car market back again? And how about oil & gas field technology services (lucrative). If only there was no regime-changing US State Department led by meddlesome neocon Victoria Nuland on too long a leash together with such bit part players as ^the ^former ^US ^Ambassad... | [
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24912 | > WTF is 'non-government' savings? The non-government consists of the private and foreign sectors. That is, everyone not the government. Every year the government pays the non-government (ie: us) more than it taxes us, our savings increases. Every year it taxes us more than it pays us, our savings decrease. > ... | [
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24917 | Voluntarily assuming a loan is a bad idea, especially for a non-investment purpose. It would be one thing to take on a loan to operate a business or buy a piece of capital equipment, like a machine that would make you money. Borrowing money to have a more luxurious house is foolish. The smart move is to buy a good qual... | [
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24931 | You're saying that the best plan for America to remain relevant in the global economy is to *not* encourage education? Because it's too expensive? I think that a better plan might be to notice all the other OECD Nations that are able to provide cheap or free education and try to copy that. | [
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24933 | "The answer depend nearly 100% on how the offer and contingency read. When I have a client make an offer, the contingency includes an inspection, but the buyer would have no obligation to accept a counter offer. i.e. the offer can be withdrawn due to ""I didn't like the inspection report, and do not wish to negotiate a... | [
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24979 | There is most likely an error in the WSJ's data. Yahoo! Finance reports the P/E on the Russell 2000 to be 15 as of 8/31/11 and S&P 500 P/E to be 13 (about the same as WSJ). Good catch, though! E-mail WSJ, perhaps they will be grateful. | [
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24994 | In the US, paper checks are still the rule, and there is a large amount of the population that does not care to use online banking. As a result, those people need to go to the bank once a week or more often, to deposit checks they get from anywhere, to get cash, etc.; so all those little banks have traffic. This is slo... | [
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25013 | I don't see kids that are just post-college as feeling like they're entitled at all. If anything, I see just the opposite. Everyone I see that's around 21-25 has some other shit going on besides their normal work. I had a neighbor that sewed/sold bike accessories, I see guys fixing up old mopeds and they have office ... | [
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25014 | As a parent I think you absolutely have to teach them that income is related to work because (for most people at least) it's a more fundamental principle than budgeting, investments, interest, etc. Once they've learned that the primary source of income is work, then you can start teaching them what to do with it, i.e. ... | [
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25019 | I think the first step is to get an accountant whose advice you believe. Your accountant is far better placed to advise you on what sounds like a fairly complicated, fairly high stakes corporate arrangement than the internet. I would go back to the accountant and get him to explain in writing what his specific advice ... | [
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25029 | "Technically, no. According to the dictionary, a folio is a single sheet, and a portfolio is a folder or case for keeping your folios. In finance, your collection of investments is called your portfolio, probably because your broker (before the digital age) would keep the records of what each of his clients held in sep... | [
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25061 | 1. this is not the correct sub, try /r/Entrepreneurs or similar 2. Banks only care about 1 thing: collaterals with personal guarantee from the owners/shareholders of the business. Nothing else matters, don't waste your time with a business plan. (Yes ELI: bank only give money to people who have money). | [
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25065 | Welcome to Reddit, where everybody *knows* that they're smarter than their boss, and if they were in charge they'd get everything fixed up right quick! Nobody ever considers, just for a second, that there might be a reason for the madness - or that executives might not *all* be drooling idiots concerned with nothing b... | [
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25069 | While the US hosts most of the world's innovative startups, its own financial and banking systems are very slow to change. The infrastructure exists, however the ACH transfers are not wide-spread between individuals. Banks much prefer the option of bill-pay (i.e.: as you said, mailing a check, something in other count... | [
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25080 | When volatility is higher, the option is more likely to end up in-the-money. Moreover, when it ends up in-the-money, it is likely to be over the strike price by a greater amount. Consider a call option. With high volatility, moves in the stock price are big - both up moves and down moves. If the stock moves up by a lot... | [
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25081 | Part of the behavior is shaped by the environment, most isnt for something that people's been doing for millenniums. People even compare things that's boxed/bagged beautifully. Not bearish on the news because this is long expected. But the brick-and-murder of grocers has been ongoing for a long time due to th... | [
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25090 | Do you think that the scheme of kick backs in this system isn't a problem? There was that story a while ago about a judge who was paid off to convict and sentence to a certain prison. That's just the obvious one. I suspect that there are many ways the system is being gamed beyond that one too. Prison does need to h... | [
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25096 | Well if your looking to explain inflation to children, I would use this example. Take two fruits they like IE: Apples and Oranges. Give them both 2 of each. Ask them how many of your apples would you give for 1 orange and how many apples would you want to get 1 orange(most likely they will say 1). Now give them 5 more ... | [
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25123 | Inflation is not applicable in the said example. You are better off paying 300 every month as the balance when invested will return you income. | [
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25128 | well it 2008 was six years ago, over time we would expect some price inflation. however it's only really a good thing for people who already own houses (it increases their net worth on paper) and people who want to sell, and move to a cheaper area. If you aren't selling, it doesn't help you much. If you're a young p... | [
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25130 | You can trade VXX, but VIX is only an index. http://www.marketwatch.com/investing/stock/VXX?CountryCode=US | [
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25141 | So many points wrong with this article. I'll stick to pointing out the ridiculousness of just one. Police, fire, and military are all just as finite of resources as doctors. You know how you create more of all of those resources? Hire and train more people. Gasp! | [
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25172 | The transaction will be taxable in India. You will have to pay Capital Gains tax. I am assuming that you purchased the house while you were Indian Resident for tax purposes. As such its needs more paper work to get the money back to US. Consult a CA in India who will help with the paperwork. You haven't mentioned your ... | [
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25190 | First of all, congratulations on paying off $40k in debt in one year. Mathematically, you'd be better off making the standard car loan payments and putting your extra money toward the student loan. However, there are a few other things that you might want to consider. Over the last year, you've knocked out a whole bunc... | [
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25194 | The long-run goal is to eliminate poverty through wealth creation. If that makes for some weird new social interactions, I'd say that's a reasonable cost. I mention comparing to earlier periods simply as a measure of progress to determine whether or not there is a problem that needs correction, such as a specific grou... | [
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25195 | "If you participate in an IPO, you specify how many shares you're willing to buy and the maximum price you're willing to pay. All the investors who are actually sold the shares get them at the same price, and the entity managing the IPO will generally try to sell the shares for the highest price they can get. Whether o... | [
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25197 | > free the orcas, they'll look like heroes, and everyone will flock to SeaWorld because they're good guys now. They listened and changed. People love those stories. This is no percent what would happen at all. People go just to see Shamu flop around. | [
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25205 | The answer today is the Fidelity Rewards Amex. This card pays the highest cash back (2%) on ALL purchases. The answer gets more complicated if you like miles, or you want to use one card for groceries and gas and another for restaurants, etc. But the Fidelity Amex gives you 2% on everything you purchase, automaticall... | [
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25207 | Equal weighted indexes are not theoretically meant to be less volatile or less risky; they're just a different way to weigh stocks in an index. If you had a problem that hurt small caps more than large caps, an equal weighted index will be hurt more than a market-cap weighted one. On the other hand, if you consider th... | [
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25247 | I think it really depends on how much you take out of your Nationwide account each month. At a certain point, it will become cheaper just to transfer your monthly rent + living allowance via an international bank transfer or using one of the currency transfer services like xe.com or Hifx. You will have to pay fees eith... | [
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25250 | This is actually a HUGE source of profits for whole foods. The battered fruit and veggies you don't want or the rotisserie chicken that's been on the warmer 30 minutes longer than you like? Goes right into their prepared foods and cut fruit sections and marked way the fuck up. | [
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25272 | You should watch Margin Call and follow Demi Moore's lead. Do you figure out what derivatives to buy or just calculate how much exposure the firm has and tell someone else? Can you potentially go to jail because of your job or is losing your job the worst that can happen? | [
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25287 | So upper marginal tax rates are at historic lows while the dying remnants of the New Deal are being strangled by both parties ... yet America's devotion to Keynsianism is the problem? You should investigate the Dunning Kruger effect and then look into a mirror. | [
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25290 | If someone had such a great idea that could convince a bank to give them money with no capital, no experience, and no assets then they wouldn't give it away on a public forum. If you're talking about starting small... you're talking about getting a job, whether formal or gig-based. | [
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25315 | Plus, there's the feeling my parents want me to have a house in case we can't save the one we (my mom and brothers) all live in. First, you should not be forced to buy a home because your parents are telling you to. You should have your own life. Period. That said, while you are doing well from a salary perspective, ... | [
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25316 | In the UK at least, we have Credit Unions. Credit Unions are not-for-profit organisations that don't pay interest on your balance, but instead give you a share of their profits at the end of the year (or at least my local branch do). This normally equates to around 1% of my balance. | [
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25325 | https://twitter.com/webster/status/906346071210778625 Important to know that people just discovered the pin number to thaw your credit (after you initialize a credit freeze) on Equifax is just the timestamp on when you request it. This is bad news because if someone is aware of a time frame, they may be able to brute ... | [
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25330 | The direct debit is an authority to withdraw money from your account. Depending on how it was set up it may limit how much may be withdrawn, how often and for how long. I haven't seen a direct debit agreement that limits the total that may be withdrawn, but they may exist. A reputable creditor will stop taking your mon... | [
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25332 | As Zach mentioned in a comment, you can be sent to jail for contempt in a civil case. So assume that a court orders you to pay amount x in alimony. You are unable to pay, for example because you lost your job and the amount was assessed based on previous earnings. The judge disagrees with you and thinks you can pay. He... | [
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25346 | For the CPI, there is actually federal employees whose job it is to visit various stores to collect the prices of specific items (boy's size-14 collared shirt made of 97 percent cotton). Planet Money did a great podcast on this, actually following one of these people for a day. | [
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25347 | My first job was in a technology/IT role on the trading floor which was an accident. It didn't require any knowledge of finance/stock markets. I didn't even look for that job specifically. Before that I was at a small tech company. So I guess you could say it was luck initially. | [
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25381 | Many states require that USE tax be paid on items purchased out of state and the subsequently brought to your home state. The vendor has the responsibility to collect based upon the shipping destination. It is the buyers responsibility to declare and pay taxes on purchases where the vendor is not required to collect th... | [
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25391 | In the United States, post-dating a check, on its own, has no valid use. It can be cashed at any time at the discretion of the bank. You would need to send a notice of postdating to your bank describing the check. This doesn't prevent the recipient of cashing the check, but it does prevent your bank from charging your ... | [
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25397 | As it is a cheque I don't think you can deposit online. It seems that most the banks here charge a flat fee. Bank of Queensland charges $45 plus whatever the FX rate and fees are at the time. I think most of the banks have a clearance period of up to 28 days from when you deposit the cheque to when the funds clear and ... | [
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25425 | We are an online seller of STUDDS HELMETS where online chooses stylish Studds Helmets in a comfortable price in Jaipur. Make your two wheeler rides stylish and at the same time safer with stylish Studds helmet. Studds is a renowned brand of helmets and other two wheeler accessories like eye glasses and luggage carrier... | [
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25431 | * Absolutely agree with /u/IsAnAlpaca * You /must/ not agree to this without seeing his balance sheet. * That means assets and liabilities, but also ask for the last 12 months' cash flow * Inability or unwillingness to provide any of those things is a HUGE no-go red flag. | [
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25439 | An interesting look that ties in quite a few of my interests on the commonality of being data-driven gambling. You know it's funny because watching MoneyBall, my first reaction is that Peter Brand's (after Jonah Hill) data analysis was something many are already doing in fantasy. But fantasy sports is a hobby for most... | [
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25440 | Property taxes cover more items than have already been mentioned. As an example, my property tax bill lists the following items: county general purpose, community college, police, police, headquarters, fire prevention, environmental bonds, sewage, town general purpose, highway department, building & zoning, town light... | [
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25441 | Okay- I follow that. When we look a shorting a name - what makes that an equity transaction rather than a debt one? I guess how does that differ from investing in a bond? I recognize the simplicity of this question. Thanks. | [
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25446 | Well who doesn't want their website content or video or their brand to go as viral as PSY's Gangnam style? If you have similar intentions, and viral marketing strategists are whom you are looking for, look no further as Key Difference will take care of your viral marketing campaign. Better visibility, more traffic, eff... | [
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25466 | Paying interest on a loan costs you money. The tax deduction just reduces that cost, but it's still there. So the only possible reason to borrow more than you have to, e.g. with the interest-only loan, is that you can invest the excess elsewhere and make more money. Can you invest money and make more than 4.5% expected... | [
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25473 | Walmart is still an awful place to buy groceries, and is rated as such in just about every national survey. The prices aren't that great, the shelves are a mess, and items are poorly restocked based on my observations at several stores. I can spend about the same amount of money buying groceries at Wegmans vs. Walmart ... | [
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25481 | If you plan on retiring now you probably can, as Jay mentioned there is a provision in the law for early retirement, as long as you take annual distributions. | [
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25487 | Oanda.com is a very respectable broker. They don't offer ridiculous leverage options of 200 to 1 that prove the downfall of people starting out in Forex. When I used them a few years back, they had good customer service and some nice charting tools. | [
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25506 | Maybe not, but I think the point ElBrad was making is that you chart a pretty tight relation to price hikes by barrel and price increases at the pump over time. Price drops by barrel aren't usually followed by a drop at the pump though, as it takes a while for competition to drive that down. So while it's good news... | [
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25507 | When that happens the least desired things get cut off first. This condition signals to the market that we are correcting very badly missallocated sources which in turn is a good thing because we are allowing the bubbles to burst. These burstings will bring prices back down to acceptable levels so that the economy st... | [
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25509 | Bingo. Measuring income is an ignorant approach. Buying power is the only thing that is important. If the $14/hr minimum wage nonsense ever actually happened, all the reports would be on how awesome it is that some small percentage of people are making more money. What won't be reported right away is how all people (... | [
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25513 | If the person gifting the property owed any debt to Canada Revenue Agency on the date of gift, you may getting a nice letter from Canada Revenue Agency advising you to settle the donor's tax liability with the property gifted. | [
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25516 | Me and mom just stopped in an Applebees on a road trip through small towns and it was so terrible. It was freezing and really dingy inside, and the turkey sandwich I had was so bad I think mcdonalds or arbys would have tasted better. | [
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25537 | Yeah, but your professional programs are insanely expensive. I'm in pharmacy school paying 26k at a private school. UCSF costs 35k for an in-state resident and 45k for out of state. The supplemental cost for a professional degree is 18k and then 12.25k more for being out of state. There's a reason we have quite a few ... | [
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25538 | "Free Speech isn't a myth, but ""Diversity"" is. I'm constantly bombarded with self-righteous and imprudent missives about the importance of Diversity, but they mostly just repeat words meant to make us feel better about ourselves. We've corrupted a well-meaning goal into a vulgar set of data points about employee de... | [
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25543 | I had $70K in credit card at one point. Limited income, starting a business - it's the only credit available. (yes, all paid off now). | [
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25547 | Southern Ontario. Cheaper operating costs we have a ton of professionals at some of the best schools in north America plus our governments policy's align pretty well with the tech industry's. Just like the film industry there is a lot of benefit to operating in Canada especially with the current climate in America. | [
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25550 | "Because they don't leverage using credit but by shorting stocks. eg they short $400 of microsoft, and use the proceed to buy $400 of Apple. That's a 4x ""leverage"". It's one of the main characteristics of hedge fund vs traditional fund, they can short while your vanilla long only mutual fund cannot. And they limit c... | [
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25576 | Well I doubt that it has no effect. It will happen regardless, but it will be slower. If the minimum wage was much higher, big companies would invest more in R&D for automation. Automation companies will also have more customers and therefor will make more revenue and produce more units/projects and the price of au... | [
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25582 | Short the Pound and other English financial items. Because the English economy is tied to the EU, it will be hit as well. You might prefer this over Euro denominated investments, since it's not exactly clear who your counterpart is if the Euro really crashes hard. Meaning suppose you have a short position Euro's ver... | [
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25585 | id like to start by saying youre still doing this yourself, and i dont actually have all the info required anyway, dont send it but >[3] Descriptive Statistical Measures: Provide a thorough discussion of the meaning and interpretation of the four descriptive >statistical measures required in your analysis: (1) A... | [
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25600 | > A well functioning legal system is consistent with capitalism. The only well functioning legal system consistent with capitalism is the one bought and paid for by corporations that lobby for laws favorable to themselves, and for the abolishment of regulations that protect workers and consumers and safeguard our e... | [
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25605 | A company CAN hold on to money. This is called retained earnings. Not all money is due back to the owners (i.e. stockholders), but only the amount that the board of directors chooses to pay back in the form of dividends. There is a lot more detail around this, but this is the simple answer to your question. | [
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25613 | So, you think forcing people to buy their auto insurance doesn't provide any money? It sounds like the customer didn't even know they were paying for it. Or, are you saying that this minor scam is nothing in the grand scheme of things, and that we should expect their scams to pay out at least a few billion? | [
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25624 | In addition, since you asked for Montreal, you can get the quotes directly. http://www.m-x.ca/nego_cotes_en.php | [
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25625 | Spend them at the gas pump. Just run the pump until it stops, then repeat with next card. That's always worked for me | [
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25644 | Does this include strip malls and big boxes, or just the least profitable of indoor shopping malls? They spent 50 years or so building up to 150 a year, so the idea they could both fill these spaces and have enough shoppers to justify them is silly. And the Millennials aren't interested in mall shopping as much as prev... | [
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25671 | The main question is, how much money you want to make? With every transaction, you should calculate the real price as the price plus costs. For example, if you but 10 GreatCorp stock of £100 each, and the transaction cost is £20 , then the real cost of buying a single share is in fact buying price of stock + broker c... | [
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25678 | You literally couldn't be more wrong, your links to fake news notwithstanding Everything the Republicans try to do is meant to hurt people and/or help the wealthy. That is not the case with the Democrats The lies like the ones you are trying to spread are intended solely to help the GOP accomplish their goals | [
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25679 | i think this argument is the crux of the sharing economy and everything with uber/airbnb. is google responsible for the content of every website it shows in it's search results? it all depends on what sort of warranties are implied or written in the contracts, what's HP's onsite tech support SLA with the third party? ... | [
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25701 | It could be a sunk cost. If you buy 5 gallons of vegetable oil it costs $50. Until you use up all the vegetable oil you dollars are tied up and cannot be spent on popcorn or any other good. So weigh if the convenience is more important than having the cash on hand for other purchases is another factor to consider | [
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25719 | >I suspect he would simply cut the minimum wage and unemployment benefits to force Americans to accept lower wage jobs. Don't give him that much credit. He won't touch either of these entities for several reasons. First, it's political suicide. Second, the Congress would give him a huge headache for even attempting... | [
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25722 | Which is what [flash trading](http://www.investopedia.com/financial-edge/0809/flash-trading-wall-streets-latest-scam.aspx) is for. edit: I promise you, you could. You would just need a faster line. I promise that's why the NYSE banned it. However, that still doesn't mitigate the problem of creating your own exchange. | [
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25731 | You must be thinking about trademarks which can be diluted into general usage, and therefore no longer trademarkable, if not enforced. You can do whatever you want with the use of your patent, including letting everyone else use it without permission. | [
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25733 | If you are thinking to buy the Rolex watches in Dubai, then there is one of a trustworthy online shop, i.e. “Mamiya Diamonds”. We cater all the luxury watches of a wide variety of brands, in which all types are included, i.e. new and second hand. | [
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25741 | "I would start with VBA for 2 reasons. - Easy to step through and see what you're doing. - Most financial data is in .xlsx or .csv format already. VBA will be your friend for a long time. Even ordinary Excel skills will be highly useful. Once you have the basics down of VBA start exploring other languages based on ... | [
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25753 | How do I start? (What broker do I use?) We don't make specific recommendations because in a few years that might not be the best recommendation any more. You are willing to do your own research, so here are some things to look for when choosing a broker: What criticism do you have for my plan? Seeking dividend paying ... | [
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25762 | You are not required to file a tax return in Canada if you have no taxable income. If you do not file a return you may be requested to by Canada Revenue Agency, and then you'll need to file one. There are hundreds of thousands of Canadian residents who do not file tax returns. The Minister who overlooks the CRA may ass... | [
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25763 | It's impossible to know for sure, which I'm sure you know, but paying these large debts all at once will leave very little assets in comparison to what they had. Issuing new shares like this is called dilution which means the price will be forced downward because the same (or in this case less) net earnings must be ... | [
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25772 | Posts Tagged ‘norton scientific scam fraud warning reviews’ Norton Scientific Reviews: Scammers’ Valentine Treat A global security company issued a scam warning against spam messages with catchy subject lines for Internet users this Valentine’s season. Users must be extra careful in opening messages in their email a... | [
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25802 | It costs them more to make the screens with more pixels. Let's say I usually pay you 10$ for something that cost you 5$ to make. Now I pay you 20$ for something that costs you 18$ to make. Sure you get 20$ instead of 10$, but your profit per item went from 5$ down to 2$. Same thing here, the screens with 4x the pixels... | [
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25805 | Fair enough. If you have specific milestones to hit, you gotta hit them. My recommendation is just to make sure you have a specific plan based on what has worked for your peers. Don't let recruiting just happen to you, drive it in your own chosen route. Best of luck in the coming recruiting cycle! | [
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25814 | If you are absolutely sure you will need the money in the next year or so I wouldn't do it just because of the hassle. If you think you might not need to use the money then I would go ahead and fund a Roth IRA for the simple reason that you can get your contributions (NOT earnings on those contributions.) back without... | [
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25817 | "They do but you're missing some calculations needed to gain an understanding. Intro To Stock Index Weighting Methods notes in part: Market cap is the most common weighting method used by an index. Market cap or market capitalization is the standard way to measure the size of the company. You might have heard of la... | [
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25830 | In this day and age, online shopping has become a huge business, with more and more customers across the globe turning to the online sites to buy different types of products, equipment etc. This is particularly the case in those places where e-commerce is taking hold over the means people shop. | [
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25835 | Watch prices *not* rise because Target retail employees don't manufacture the product. Their wages do not affect the prices on the shelves as much do Target's shelf gatekeepers. Even if Target paid their hourly employees $30/hr the price of Heinz baked beans would be $2. | [
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25850 | If past is prologue, I'd say $20, give or take, inflation adjusted of course. http://www.antagoniste.net/WP-Uploads/2007/01/oil_prices_1861_2006.jpg If supplies are at nightmare oversupply, say, as an absurd unlikely scenario, 82 year high in US oil supplies or an all time record in EIA weekly inventories, it looks lik... | [
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25857 | The markets are based on a growing population, so yes, revenue growth is possible to continue alongside that into perpetuity. I know this subreddit is known for their lack of actual basic business foundations, but jesus christ. | [
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25859 | Youre assuming that GDP shows the amount of wealth created and is an indicator of the standard of living, but it is not. Govt spending adds to gdp but takes away from the productive capabiliies of the private sector, which is the part of the economy that is making things that people want and need. The govt can spend 1 ... | [
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25863 | It depends on your bank and the details in the agreement, but typically, interest is calculated daily. So if you borrow 1000 EUR for 1 day, you pay 15% * 1000 EUR * 1/360 = 42 Cent (41.666667 cent to be exact). You can simply multiply these 42 cent up with the number of days you plan and the number of 1000s EUR. Note t... | [
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25871 | Advances in safety technology over the past 30 years have nothing short of incredible. Almost every automobile put on the market today goes through tough safety screening processes. Cars that win high stars in safety are often marketed based on safety. A large part of the safety rating of a car is based on the number... | [
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25877 | Yes you should invest; and yes you should save for the house down payment. These should be two separate pools of money and the goals and time frames for them are different. With a 3 year time frame for the down payment on the house, the risk you should accept should be essentially zero. That means it is less of an inve... | [
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25879 | Supplier of Ramming mass in India http://quartzpowdermanufacturers.com/supplier-of-ramming-mass-in-india.php Shri Vinayak Industries is a very well acknowledged name in the field of supplier and manufacturer of Ramming Mass, Quartz Powder, Quartz grit, and Talc Powder minerals. We supply our product mainly in Vietnam, ... | [
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25896 | "From the page you referenced, first click the link ""EI premium rate and maximum"". There you'll find the calculation itself, but not the percentage rate. Then from that page, near the bottom, click the link ""EI premium rates and maximums"". It's almost the same title as the prior page, so a little confusing, but tha... | [
-0.03498775511980057,
0.014478222467005253,
-0.006031310185790062,
0.022740501910448074,
0.026710089296102524,
-0.002752169966697693,
0.04901978373527527,
0.03566473722457886,
-0.016247611492872238,
0.027233213186264038,
0.02112497203052044,
-0.03166437894105911,
0.0038541918620467186,
-0.... |
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