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25906 | "To avoid nitpicks, i state up front that this answer is applicable to the US; Europeans, Asians, Canadians, etc may well have quite different systems and rules. You have nothing to worry about if you pay off your credit-card statement in full on the day it is due in timely fashion. On the other hand, if you routinely... | [
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25925 | "I once went to Walmart to buy an iPod touch. The price on the site was the same as on Amazon, and I figured getting it that day would be worth the extra money paid to sales tax. When I got there and went to the Electronics checkout, I found that it was 10-15% more than Amazon's price. I pointed out that the website ... | [
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25933 | Million of people uses computer a day. In those of people, few are knows how to keep their computers smooth, fast and reliable. For these reason they daily open their pc and annoys on it that why it is so slow? | [
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25943 | I would recommend getting a used set of Chartered Financial Analyst books. The series is a great broad introduction to the most important aspects of investing and the markets. Combining both day-to-day knowledge and fundamental theory. CFA materials include in depth discussions of: After you have a strong base then s... | [
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25946 | "One big thing to consider is that ""financing"" (whether equity or debt) is not always available when you want it. Examples: * Dot-coms - Tech related companies were famous for their IPOs and raised tons of equity from the public market. Post-bust the tech IPO market absolutely crashed for years [(example source)]... | [
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25970 | There were a couple key differences between Keurig and Juicero. * Keurig was going after a piece of a much larger pie. Most homes and offices have a coffee maker. A few homes and almost no offices have a juicer. * Keurig got a big boost from the office market. Much passive aggressive ink has been spilled over office c... | [
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25975 | Well, yeah. Costco sells items in bulk, Whole Foods does not. A better comparison would be Whole Foods against Aldi, Albertson's, Smith's, Vons, WinCo, etc. These are the companies that sell groceries in similar sizes, but perhaps of lower quality. | [
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25989 | You might investigate Paypal if it is available to both of you. the International Transfers page on their site has a way to find out what sort of fee's they would charge you. It might be a lot simpler and easier than doing wire transfers or dealing with banks etc. | [
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26005 | "> this should 100% be an opt-in That goes for all this tracking stuff: if it is clear opt-in, it's fine. The tricky part is that when we opt in we often tend to think, ""oh, they're using this to do X to do [some reasonable/benign/positive thing]."" Once you've agreed, though, they can use it for whatever they... | [
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26011 | In the United States most residential real estate transactions employ a title company to process all the paperwork and transfer all the funds. Some paperwork has to be filed with the local government, but they also have to deal with the banks/mortgage companies on the two ends of the transaction. At closing both partie... | [
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26014 | Car clubs are designed for your use case. They (are supposed to) feature (some or all of) local 24 hour availability; hourly rates for things like big shopping trips; whole-weekend use; insurance isn't your problem. If one is available in your area it's well worth a look. You may find that for longer trips a conventi... | [
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26051 | Our mortgage provider actually took the initiative to send us a refinance package with no closing costs to us and nothing added to the note; took us from a 30-year-fixed ~6.5% note to a 15-year-fixed ~5% note, and dropped the monthly payment in the process. You might talk to your existing lender to see if they would d... | [
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26054 | Reasons to pay with cash Reasons to borrow Things to watch out for | [
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26067 | Most ag jobs in grain farming regions are operating heavy machinery. It's a very different, and much higher skilled job than most fruit picking jobs. In this case farmers have to compete against the wages offered by the construction industry for machinery operators. | [
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26075 | "This is yet another in a long series of ""stop whining, the economy is fine"" articles. It's a lie. The economy is not fine. There are good points in the article and it is important to not be misled by bad statistics, but he works hard to pretend that there are not problems in places where those problems are evide... | [
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26091 | But investing into your own company is already a tax deductible event. Expenditures like Research & Development, employee compensation, and acquiring new equipment are all things that reduce taxable income. https://www.usatoday.com/story/money/markets/2016/05/20/third-cash-owned-5-us-companies/84640704/ > Appl... | [
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26095 | "A minor tangent. One can claim the S&P has a mean return of say 10%, and standard deviation of say 14% or so, but when you run with that, you find that the actual returns aren't such a great fit to the standard bell curve. Market anomalies producing the ""100-year flood"" far more often than predicted over even a 20 y... | [
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26114 | You have no idea what you're talking about. Walmart pays double the taxes that it's employees get from the government. If they didnt pay taxes, you would make sense. Unfortunately, they do and you don't. Your argument is bad and you should feel bad. | [
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26122 | In many countries in Europe the prices shot through the roof, so it is not all positive. Also the switching country gives out lot of monetary control that is not welcomed by many. I think that UK is not going to change to euro for a long long time. | [
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26143 | it just goes to say that you need the services of a reliable and competent transmission repair service. No matter what kind of vehicle it is, you must ensure that its transmission system is at its best for your safety on the road. If your in Las Vegas, try visiting carrepairvegas.com at 5400 E Tropicana Ave, Las Vegas,... | [
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26161 | one thing that would push me to agree to the delivery service is if they bring the bags right into my kitchen. I don't want to do a hand off at the door of load after load of bags also, at the store, I put like items on the belt so all the cold stuff is grouped, meat group, dairy group etc and my fruits and veggies g... | [
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26165 | You are expecting, that if you pay off a 30 mortgage after 16 years, you should be charged the same amount of interest as someone who had a 16 year mortgage for the same amount and with the same interest rate. This isn't correct, and here's why: the person with the 16 year mortgage paid it off faster than you. They pai... | [
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26169 | The signal to noise/nonsense ratio in all of Taibbi's articles is absurdly low. It doesn't belong in r/finance. There will always be a better article on any topic he touches on (such as this [outdated one](http://www.bondbuyer.com/issues/121_73/muni-ge-unit-exec-bid-rigging-trial-1038622-1.html) I just googled which g... | [
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26172 | Financial advisers like to ask lots of questions and get nitty-gritty about investment objectives, but for the most part this is not well-founded in financial theory. Investment objectives really boils down to one big question and an addendum. The big question is how much risk you are willing to tolerate. This deter... | [
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26176 | "You are spreading misinformation and propaganda in the form of ""knowledge"" which is why you should provide evidence for your claims. The argument that ammonia is ""natural"" is ridiculous. A lot of things are natural will kill you in small amounts. You don't go into detail for your claims other than to act lik... | [
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26177 | Unless you think it's likely that you'll move back soon, this is probably not the best way to get experience as a landlord. You might want to talk to a property management company and look at the fees they would charge to do your job as landlord. You should also consider that your mortgage may require you to occupy the... | [
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26182 | "First, I'm not a CPA or international tax accountant; my entire understanding of the French tax system is entirely from what I've read in places like the WSJ, Barrons, WaPo, etc. However, ***my understanding*** is that French tax law works something like this. Let's say France has a tax rate of 35%. First, it must b... | [
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26195 | Если вы знаете сумму месячного розничного торгового оборота своей страны и готовы иметь маленький процент от огромного количества транзакций ежедневно совершаемых каждым человеком на этом рынке. Если вас интересуют, а главное если вы готовы к серьезным доходам. Если вы ищете перспективный и трендовый бизнес с минимальн... | [
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26203 | First, the stock does represent a share of ownership and if you have a different interpretation I'd like to see proof of that. Secondly, when the IPO or secondary offering happened that put those shares into the market int he first place, the company did receive proceeds from selling those shares. While others may prof... | [
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26207 | >Ingratiate yourself, build up a history Why do people think this is necessary? Nobody is going to care what your reddit history is unless you are one of the very few accounts with actual name recognition. If I see a post about a product I'm not going to check the poster's karma to see if it is worth checking out.... | [
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26212 | Thanks! I will admit the past few weeks were tough but yesterday when I was craving a fresh salad and fruit instead of stead and sausage it felt pretty good. Plus the health benefits from a plant based diet are just ridiculous. | [
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26217 | The government is by the boomers for the boomers. They're in senior management. Gen X is middle management. And Gen Y is just starting out. The boomer generation is going to do what it thinks benefits the boomer generation. If it means re-inflating housing market so boomers can unload or reverse-mortgage their hou... | [
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26218 | It is important for you to understand the calculus of the situation, while the Orange buffoon prances around in front of the world keeping people suitable entertained, a deeper and darker agenda is at play in the back ground. It is not America first or the American people first, it is the Israeli agenda first and Isra... | [
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26252 | The basic problem here is that you need to have money to invest before you can make a profit from it. Now if you have say $500K or more, you can put that in mutual funds and live modestly off the profits. If you don't have that $500K to start out with, you're either looking at a long time frame to accumulate it - say... | [
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26260 | >(if that is his real name) Haha, thanks for having a sense of humor. I suppose I was needlessly rude above because that particular unfounded assumption must activate my logic Nazi. I've had accounts for close to 5 years, but you wouldn't know it by looking at the *MyLoginName* account. | [
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26263 | Get in touch with a reliable company if you are looking for a range of small business financing solutions. Such companies offer consolidation loans to help smaller businesses take care of their previous obligations and this way manage their finances better | [
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26292 | In my opinion, the average investor should not be buying individual stocks. One reason why is that the average investor is not capable of reading financial statements and evaluating whether a stock is overpriced or underpriced. As such, they're often tempted to make buy/sell decisions based solely on the current value ... | [
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26307 | "I have an answer and a few comments. Back to the basics: Insurance is purchased to provide protection in case of a loss. It sounds as though you are doing well, from a financial perspective. If you have $0 of financial obligations (loans, mortgages, credit cards, etc.) and you are comfortable with the amount that wou... | [
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26315 | To make you happy. The thing is, if they split 10 for 1, its still the exact same value in total. There are just more shares that are worth 35 instead of 350each. You need to know things like how many shares there are <the float> how rapidly the company is growing. If it has earnings at all and how much. There is... | [
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26326 | Yes, from June 1968 until December 1968, they closed the NYSE every Wednesday so they could catch up on paperwork representing billions of dollars in unprocessed transactions. Even after the NYSE re-opened on Wednesdays in January 1969, they still had to close it early at 2pm for seven more months. Forbes has a descri... | [
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26329 | I've consulted to a few companies before and I have to say the biggest problem I found among them was their inability to understand growth. Now, most companies become ambitious and in a sense want to grow and increase their profits but are completely off in how to do it. This can be seen from a manufacturing/sales/en... | [
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26335 | "Modern portfolio theory dramatically underestimates the risk of the recommended assets. This is because so few underlying assets are in the recommended part of the curve. As investors identify such assets, large amounts of money are invested in them. This temporarily reduces measured risk, and temporarily increases... | [
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26339 | It is easier to get a loan on a rental than a flip, which is a huge advantage to rental properties. Leverage allows you to increase your returns and make more money off appreciation and higher rents. I use ARMs to finance my rental properties that are amortized over 30 years. I have to put 20 percent down, but my portf... | [
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26344 | Aeroprop, is one of the pinnacle leading propeller manufacturer organisation, who've greater than sixty five years of experience, along with all these items we carry out a huge range of Non-Destructive Testing inclusive of magnetic particle and eddy modern inspections, We test on housing gadgets propellers and differen... | [
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26345 | "How is it gaming the system to ask customers who appreciated the service to write a review? So now only ""trusted"" or more ""frequent"" users reviews count as legitimate? Perhaps those users reviews should supercede those of new reviewers, but not filter them entirely." | [
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26357 | "The credit and debit terms here is, talking from bank's point of view (shouldn't be a surprise, banks are never known to look at things from the customers' POV ;)). In accounting, a liability (loans, owners capital etc) is a credit balance and asset (cash, buildings and such) is a debit balance. Your account is a li... | [
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26358 | Single person salary on 7.25 is about $1200 a month, before taxes. Rent in a slum is $500, then you have health and car insurance in the most optimistic situation, electric, water, phone that employer requires you to have, food and care products. This assuming no car note and never buying clothes. It's insane to me tha... | [
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26369 | >Go Daddy opposes SOPA because the legislation has not fulfilled its basic requirement to build a consensus among stake-holders in the technology and Internet communities. Our company regrets the loss of any of our customers, who remain our highest priority, and we hope to repair those relationships and win back the... | [
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26392 | Angels are different from venture capitalists because they use their own personal money to invest in a business. Venture capitalists invest from a fund which they manage on behalf of those who invest in the fund. If you are interested in connecting with an angel investor right now, you can find one using Angel Investme... | [
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26397 | Your credit rating will rise once the loan is repaid or paid regularly (in time). It will not get back to normal instantly. If the property is dead weight you may want to sell it so your credit score will increase in the medium term. | [
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26400 | You fully support the free market. Good for you. I support the worker over the corporation. What the fuck is the point of having a job(s!) which don't support you? You can go on and on about market equilibrium or whatever. Flat out I support raising the minimum wage. I support ending corporate welfare. I think this c... | [
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26407 | "I've been down the consolidation route too (of a handful of DC pensions; the DB ones I've not touched, and you would indeed need advice to move those around). What you should be comparing against is: what's the cheapest possible thing you could be doing? Monevators' online platform list will give you an idea of SIPP ... | [
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26431 | "The FSA, in contrast to the HSA, is not an ""account"" that you put money in. FSA stands for ""Flexible Spending Arrangement,"" not ""Account."" Technically, it is a defined-benefit plan. Here is the difference: With an account such as an HSA, you put money into the account, and you get that same money out. You ca... | [
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26449 | "> Would they go up at all? I assume, based on the rest of your post, that this is in reference to new tenants? > If the minimum wage goes up some workers might choose to move out from living with relatives or roommates so there would be some increase in demand but we wouldn't be ""overflowing with potential te... | [
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26462 | Should go up because of a company is doing better than the market previously expected it to do, the implication is that it's undervalued at the current price and you buy now you're getting it for less than what it's worth. If Trump was wrong, then the stock would trade up for a bit before ultimately finishing up wher... | [
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26479 | Perhaps the world does not like a Global economy dominated by a Fucking Moron, Perhaps the world does not see a future in a Jew dominated Fed that can print whatever it thinks sounds like fun and then lend it to the US treasury in an insurmountable mountain of debt. Gosh . . .isn't the FED supposed to be pretending to... | [
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26487 | If you set a savings amount now and leave it totally fixed you're likely to massively undershoot or overshoot. What is more likely is that you will adjust either your savings or your retirement expectations as things go along. If it turns out you have $10M (2010 dollars) at age 50 perhaps you'll retire early, and if ... | [
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26492 | "I have no personal knowledge of this company; I've only looked over what I found on the web. Overall, my judgement is that Pension Benefit Information, Inc. of San Rafael, CA is likely legitimate and aboutmyletter.com is one of two sites run by them (the other being pbinfo.com). These two sites are registered to Pens... | [
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26508 | Because you actually reside in New Zealand, your income taxes will be paid in New Zealand. However, as a non-resident of Australia you will have tax withholding on all of the interest you earn in an Australian bank account. Obviously, because that tax is paid to Australia, that will not be counted against your New Zeal... | [
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26512 | "I understand the sentiment here, I truly do. However, to be consistent in ones rage against off-shore business and tax evasion strategies, then the list of companies that need to be boycotted is very, very long. Apple, Exxon, BoA, Citi, GE, Pfizer... Thousands of companies keep hundreds of billions off-shore and reali... | [
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26538 | "To the average consumer, the financial health of a bank is completely irrelevant. The FDIC's job is to make it that way. Even if a bank does go under, the FDIC is very good at making sure there is little/no interruption in service. Usually, another bank just takes over the asset of the failing bank, and you don't e... | [
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26548 | Assuming you can get keep getting credit cards like this forever, you open yourself up to risk in short term losses. Stock/bond prices fluctuate. If you need to pay the money back for some reason (at the end of the 15 months) your investment may be less than the 5,000 you started with. | [
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26550 | That's right. Thank goodness. Jobs was a fucktard who knew how to make phones produce incredible profit margins. While Elon Musk is a man who is changing the way we travel, produce and use electricity, and make mankind a multiplanetary species. Jobs was never fit to even clean Elon's shoes. | [
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26569 | >You make up the lost ad money by my subscription. The problem with this is that they want far too much money for a subscription. The article is dead on that cable is grossly overpriced; I think most people who still get it do so because they need certain channels they can't get any other way - yet. So what will h... | [
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26578 | Financial Aid - the government gives you better interest rates and is a better lender. Credit Cards - are for idiots. Mortgage and Loans - Credit Unions give a much better deal. They actually re-invest in the community. You can take you big banks and shove em' up your ass. | [
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26581 | "The only thing I'd be concerned about is whether or not the credit report site offers a loan consolidation option right next to the statement that ""too many installment loans are lowering your score."" If it is, then the site stands to get a kickback for referring you, and you might question whether or not the advic... | [
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26584 | "You have to be firm. Refuse to work excessive overtime. This is why I switched to consulting. 16 hour days suck, but if you're billing for 16 hours, it makes it more bearable. I've recently switched to the ""I only care about money"" mode of thinking, and switched to hourly pay after being salaried for almost 10 yea... | [
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26597 | Availing limo service Melbourne could be one of the most pleasant experiences that you can have, but experts say that this would be possible only when you stay very attentive throughout the hire process. Apart from being attentive and cautious, you can also take the following steps to make sure that you get the best of... | [
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26613 | meh,, regardless, it's obvious that the revenue of the USPS will continue to fall with online everything happening. I would suggest we should start winding it down with full dismantle in 25 years. There is no need. Private companies can service our postal needs now. | [
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26626 | I was in Detroit recently and Lyft drivers are getting cars from them to use and if they work a certain amount per week they don't have to return them after the shift. Gonna get pretty rapid growth giving out cars on a lease to own with no money down. | [
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26629 | Yes, just set aside the amount of money. If you buy a cfd long in a stock for a 1000$, set aside 1000$. If you buy a cfd short, set aside the same amount and include a stoploss at the value at which the money is depleted. In this case however, you can stil lose more, because of opening gaps. By doing this, you replicat... | [
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26639 | It doesn't have to be. Public school is just fine. I did both growing up, and I don't know why people still think public school sucks. All the teachers were good in public school despite being a little less hard than my private school. Public schools are also very big on anti-bullying. | [
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26642 | The funny thing is, if someone came into the front door of a bank branch and committed a robbery in which they stole a fraction of that much, he'd be spending a lot more time in jail. People who abuse their positions of trust to steal far more are getting off with a slap on the wrist. Something is fundamentally wrong... | [
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26652 | Broadly speaking, a traditional account is better if you will be in a lower tax bracket in retirement (see for instance here). When you put the money in now, you pay no taxes on it at your current (high) rate; when you take it out, you will pay taxes at your future (low) rate. You push the taxes onto your future, low... | [
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26655 | "even though they're only asking for 1/2 the money and have excellent credit that the mortgage company may not lend it to them if I'm over priced Yes. If the house's value, as determined by the appraisal, is less than the sale price, the bank will not finance the loan. Appraisals and the appraisal process have become m... | [
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26663 | >paint Trump as incompetent... As an outsider with no dog in your race, Trump painted himself incompetent long before he even ran for election. Hell in my country (before that mess of an election) all Trump was known for is being that billionaire who unsuccessfully tried to bully an old Scottish lady. | [
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26665 | "This is the best tl;dr I could make, [original](https://aeon.co/essays/how-work-changed-to-make-us-all-passionate-quitters) reduced by 96%. (I'm a bot) ***** > In doing so for work, they developed a metaphor - that every person should think of herself as a business, the CEO of Me, Inc. The metaphor took off, and ha... | [
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26670 | "I love the ol' American response ""you gotta work hard to be successful"". Umm, no? Because if we'd all have a choice, I'm sure non would pick to be part of a minority, or purposefully choose to be born in rural, poverty stricken Africa." | [
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26672 | "This isn't negotiations anymore. They are trying to change the deal after the fact. Stop negotiating and tell them they are bound to the agreement they signed. They are leaning on you because they know you are small and likely can't fight them. Document every conversation. Do not allow them to keep pushing after they'... | [
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26674 | Many gains to be had, but the two rules of investing are don't lose money. So if you are to invest in marijuana, wait until marijuana is legal, and wait for the market leader to emerge, and see what their financials are like. Then invest, with enough information. | [
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26680 | "If you look at a diffusion of innovations curve, the early adopters are different demographic than the others. When Reddit had less click traffic, less users, it was early adopters. Maybe some subs were echo chambers for views on unlimited free speech, but by and large, there were no echo chambers. People would make m... | [
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26695 | You can't ask insurers to use a particular score -- they have a state-approved underwriting model that they must follow consistently. Insurance companies make money by not paying claims, and poor credit score (including limit access to credit) increases the probability that you will file a small claim. Why? If you get ... | [
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26710 | "It's a business/economic term for industries/companies that ""race to the bottom"" by doing things like slashing prices and sometimes cutting corners on production or service to beat out competitors to gain a majority market share. Essentially Amazon is doing this to try to make Whole Foods people's first thought when... | [
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26711 | I hate restaurants that have a damn tv on every possible surface, especially ones that show sports. The only thing I hate worse is restaurants that have a tv on every possible surface AND have a radio blaring on top of that. It's like they can't imagine people actually want to talk to and be able to hear the people the... | [
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26717 | Zynga could be worth $7B but to believe that, you have to assume that its revenues will continue doubling every year for another 3 years. They already have a proliferation of brands and there is a ton of competition. They need a way to not just get more users, but get more money per user. | [
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26718 | What exactly do you mean? Just so we're clear, no one should have to work two full-time jobs to support themselves. Part-time jobs, i'll allow a bit more flexibility, but if you're working full-time, you should have a living wage, yes. | [
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26720 | I didn't quote FDR because he was always right, I quoted him because the minimum wage was created under him and that shows his viewpoint. Specifically, that it wasn't some job training wage or wage for high schoolers which people act like it is today. | [
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26758 | I have already talked to them over the phone and they insist they haven't charged me yet, and I will not be charged. When I informed them I had in fact been charged they agreed it would be reversed. So I have tried to resolve the issue and I don't have any confidence they will reverse the charge as it has not b... | [
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26762 | If you are in need of a dependable financial advisor Dundee, then MMG Archbold Chartered Accountants can help you out. They have experienced advisors who provide expert guidance on business finance, plans and more. To find out more about this company and the services they have on offer, visit their website at http://mm... | [
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26789 | A couple of things you can do to structure your accounts include: | [
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26790 | If I sell it for $50 can I write off the $50 loss. Only if you can establish that it is a normal part of your business and that you did not get $50 worth of use out of it. That's the technical, legal argument. As a practical matter, it's unlikely that they'll ding you for selling something after using it, as they won... | [
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26791 | "In the United States if the person insures an article and then claims a loss of that article, the insurance replaces the missing/destroyed article. If later on the item is found the original is owned by the insurance company. The person who purchased the policy doesn't get to keep both. Of course if the item was so v... | [
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26799 | There has been an abundance of articles in recent years which make it fairly clear that many participants in the Social Security system-- especially those who have started contributing recently, and going forward from that-- will experience negative rates of return. In other words, they will put in more than they will ... | [
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26816 | "I bought a house when I was 22, I also had $10k in student load debt. After the down payment, I had $1,500 to my name and $82k worth of debt. All the advice pointed to ""pay the minimum payment and invest the rest."" I discarded the advice and scrimped and put everything extra to those bills. I paid it all off by the ... | [
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26820 | The dividend is what represents your ownership in the CU. The APY is a calculated figure that will help you compare apples to apples the return of the investment from many vendors and many types. (I think you CU might have had two different people writing that portion of the website, because the comparisons pages don'... | [
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26834 | Just got out of a wonderful seven-course dinner with two very qualified individuals: one is a former trade minister of a large ASEAN nation, and the other a retired Goldman Sachs partner. I'm not trying to name-drop here, just emphasize how these are some of the savviest investors I know. They spent the entire evening ... | [
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26836 | "I have some equity research (sell-side) interviews (for 1st year analyst) positions coming up with some top-tier banks. I have recently completed the GMAT and scored and overall score of 710 (91st percentile). I have a further breakdown of my score which shows that my overall score was brought done by a 47th percentil... | [
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26837 | They're probably talking about flipping houses. The conventional wisdom when flipping is to purchase the property with a mortgage or other loan on day-0. Do the work to rehabilitate it. Get it listed for re-sale promptly (this step has varying strategies) with a profitable price but one that will make it move. Have the... | [
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26846 | "By the sounds of things, you're not asking for a single formula but how to do the analysis... And for the record you're focusing on the wrong thing. You should be focusing on how much it costs to own your car during that time period, not your total equity. Formulas: I'm not sure how well you understand the nuts and ... | [
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26863 | >He stole from other rich people. That isn't true. From the article: >Shkreli was convicted of three of eight charges, including securities fraud. He was acquitted of fraud charges related to allegations that he looted Retrophin to pay off his hedge-fund investors. Based on the charges in which he was convict... | [
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0.018771126866340637,
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-0.0... |
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