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28060 | That is a decision you need to make, but some of the pros and cons you could consider to help your decision making include: Pros: If bought at the right time in the property cycle and in a good growth area, it can help you grow your net worth much quicker than having money in the bank earning near zero interest. You wo... | [
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28072 | If you can afford to put $1,333 towards saving for a new car each month, then there is nothing wrong with your logic You should be aware that your car will probably cost around $110,000 in 6.5 years, but other than that the logic is fine. However... | [
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28074 | "As anecdotal experience, we have a credit account in my name as offered by bank's marketing before I could qualify by common rules for newcomers (I have an account there for years so they knew my history and reliability dynamics I guess), and my wife is subscribed as a secondary user to the same credit account with a ... | [
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28075 | "In general, I agree with Alex' ""don't do it."" If I dig deep for any reasons to transfer from a Roth into a Roth 401(k) there might be 2:" | [
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28083 | Depending on jurisdiction, the fact that you made some payments might give you an ownership share in the house in your own right. What share would be a complex question because you might need to consider both the mortgage payments made and maintenance. Your sister might also be able to argue that she was entitled to so... | [
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28088 | ">Paul calls it unanimous. The government site does not. What does a unanimous voice vote even mean? [1] Here is the govt site where the votes are viewable. Note at the bottom that the postal bills have the statement ""Outcome: Favorably reported to the House of Representatives by unanimous consent"". Note that bill... | [
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28116 | VaR and Stressed VaR are kind of mandatory market risk measurement techniques for anyone with a banking licence in Europe. This doesn't stop you from doing other stuff as well, but you need to have the basics (Basel 2 accord) and you must backtest to check your model. The big problem is that doesn't really account for ... | [
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28119 | Here are a few things I've already done, and others reading this for their own use may want to try. It is very easy to find a pattern in any set of data. It is difficult to find a pattern that holds true in different data pulled from the same population. Using similar logic, don't look for a pattern in the data from ... | [
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28134 | Yes the stock market is 'rigged' to some extent but if you are good at game theory then you can predict the direction of bias and therefore take advantage of the 'rigged' nature of the market. Eventually enough people become aware of the bias and then the people who are manipulating the market have to change their stra... | [
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28135 | This conclusion is highly misleading. Although they lead with the 90% figure, I cannot for the life of me see it substantiated in the data. According to their own information (which by the way surveyed preferences, not actual purchases) the actual number is between 55% and 80%. Only by including every item that you... | [
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28155 | "This is the best tl;dr I could make, [original](http://erikrood.com/Posts/college_roi_.html) reduced by 84%. (I'm a bot) ***** > The main financial benefit of attending college is the earnings differential received by a college graduate over a high school graduate; Payscale provides 20-year return on investment fig... | [
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28160 | Your mother can give you $14k and your wife $14k (every year) without creating a gift-tax filing requirement, anything in excess of that and she will have to file form 709 with her tax return, but she will not have gift tax liability on her end unless her lifetime gift tax exemption (currently $5.49M) has been exhauste... | [
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28168 | Find a good financial advisor that is willing to teach you and not just interested in making a commission on your net worth. Talk to them and talk some more. Go slow and don't make impulsive buying decisions. If you don't understand it then don't buy it. Think long term - how do I turn this 250K into 2.5M? Congrats on ... | [
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28172 | You have made a good start because you are looking at your options. Because you know that if you do nothing you will have a big tax bill in April 2017, you want to make sure that you avoid the underpayment penalty. One way to avoid it is to make estimated payments. But even if you do that you could still make a mistake... | [
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28180 | That's right. I wouldn't say that she directly caused Yahoo's downfall since that was put into motion long before she started. However, she did nothing that succeeded in changing Yahoo's trajectory after she took over. Yahoo could have done essentially nothing and it would have ended roughly the same. People are ju... | [
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28181 | > see that's what I was thinking, but I'm at a loss as to why this change is necessary if everyone has to discount it anyway due to 'reality' bias Consumer debt usually takes into consideration score in addition to income instead of thorough analysis of your history report. Hence being able to apply online and aut... | [
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28183 | "In some sense, I agree, but let's look at Apple who in 1997 when Steve came back as CEO and had to beg monies from Microsoft (which he received as a professional courtesy) to stay afloat swore he would never have to do again and literally deemed investors as a ""necessary evil"". He presided over one of the most pro... | [
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28188 | "To trade stocks in India, you need a copy of your pan card, address proof(passport or driving license/electricity bill), income tax return (if you are trading futures & options and currencies), and a cancelled cheque from the bank. You will also need to sign across your recent photographs, and require various other fo... | [
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28191 | "Without knowing what the balances are, I associate ""uncomfortable"" with high, as in tens of thousands. What I would do: is 1) cut up the cards and stop using them, and 2) have some balance transfer offers in hand the next time you call to negotiate with the companies. Essentially, you will have to convince them t... | [
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28204 | Nice try at drumming up drama for your shitty blog article, cnn blogger. I see you managed to quote me out of context and without opportunity to rebuttal. Also, as usual with cnn, you're about a week late. Yawn. | [
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28211 | "The strategy is right. As pointed out by you, will the "" volatility cause the premium on the price of the options to be too high to make this worthwhile"" ... this is subjective and depends on how the markets feels about the volatility and the trend ... ie if the market believes that the stock will go up, the option ... | [
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28230 | I am answering this in light of the OP mentioning the desire to buy a house. A proper mortgage uses debt to income ratios. Typically 28/36 which means 28% of monthly gross can go toward PITI (principal, interest, tax, insurance) and the total debt can go as high as 36% including credit cards and car payment etc. So, i... | [
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28254 | "I did this 20 years ago. I wanted desperately to quit my job, but my wife wouldn't let me -- not because she thought it would fail, but just because she thought it would take longer than I thought. It took us 2 or 3 years to get to roughly half my previous salary as a software engineer. It's been my full time job for ... | [
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28257 | You need a HDHomeRunPrime if you want to maybe pick up the premium channels. And even then if the cable company marked the channels the way they usually do, you'll only be able to watch broadcast and basic cable channels, none of the expanded or premium ones on Myth. | [
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28271 | This strategy is called trading the 'Golden Cross' if the 50 day SMA moves above the 200 day, or the 'Death Cross' when the 50 day SMA moves below the 200 day SMA. Long-term indicators carry more weight than shorter-term indicators, and this cross, in a positive direction signals a change in momentum of the stock. You ... | [
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28291 | "If you want a ~12% rate of return on your investments.... too bad. For returns which even begin to approach that, you need to be looking at some of the riskiest stuff. Think ""emerging markets"". Even funds like Vanguard Emerging Markets (ETF: VWO, mutual fund, VEIEX) or Fidelity Advisor Emerging Markets Income Trust ... | [
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28299 | Some states will give you a tax deduction for 529 contributions. This will allow some tax savings for money that spends a minimum amount of time in the account. Yes you have missed the best benefit, the tax free growth, but there might be an opportunity for some growth. The child's expenses beyond tuition can be cover... | [
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28314 | It's important to understand that, in general, security transactions involve you and a relatively unknown entity with your broker standing in the middle. When you sell through Schwab, Schwab needs to receive the funds from the other side of the transaction. If Schwab gave you access to the funds immediately, it would... | [
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28329 | He wasn't complaining about it he was exemplifying it. He doesn't care how much of the bussiness's funds he takes advantage of in order to stroke his ego. That extreme level of entitlement, while trying to claim he's not snobbish, exemplified huge amount decadence, selfishness, greed, and carelessness. | [
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28343 | Idk what the problem is. My selection of outdoor sports equipment has never been bigger. I love these stores and I don't know how not too. I miss the small bait shop that was around the corner, but I loved that Bass pro catalog as a kid and now there is 4 bass pros within 4 hours of me, Walking in these stores is like ... | [
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28346 | "Bitcoin payments involve by far the lowest fees. For pure bitcoin-to-bitcoin transfers you have the option of not paying any fee at all, while if you want to avoid the risk (currently very small) of miners ignoring your transaction you can pay a small transaction fee. Currently no more than 0.0005 BTC is ever requir... | [
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28347 | @littleadv is right, this depends on your country. Furthermore, this is likely to depend on the type of business you own (in the US: LLC, S-corp, C-corp). In some countries you have to provide yourself a minimum wage if you are classified as a major shareholder and work for the company. When there is a minimum level of... | [
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28348 | "Basically, unless you are an investment professional, you should not be investing in a venture in a developing country shown to you by someone else. The only time you should be investing in a developing country is if a ""lightbulb"" goes off in your head and you say to yourself, ""With my engineering background, I can... | [
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28356 | "It's a scam. Here's someone who paid ""Josie"" 2000 pounds and lost it all Here's a Google search result list of how this softcore porn actor, Josie Ann Miller, is being used as the face and name of scams" | [
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28361 | A lot of business sites are subscription only. Financial Times is the most obvious example. The Economist is the other. At least The Economist is making a very strong, healthy profit. A lot of other businesses work on a Freemium model, most obviously Bloomberg. The Bloomberg Terminal costs 24k a year to lease, and it ... | [
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28368 | "I am currently an accounting analyst at a small company and am looking for a career change. I have a BS in Econ from a B1G school and 2+ years of work experience. The three options I've narrowed down to are: pursue MFin and move into corporate finance, take CFA L1 and start job search, or start studying for actuarial ... | [
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28375 | "The ""just accounting"" is how money market works these days. Lets look at this simplified example: The bank creates an asset - loan in the amount of X, secured by a house worth 1.25*X (assuming 20% downpayment). The bank also creates a liability in the amount of X to its depositors, because the money lent was the mon... | [
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28386 | In store pickup at Walmart is atrocious. I've tried it. And, you still have to go to Walmart. Amazon draws the yuppie types who not only like saving money, but also don't have the time to deal with going to stores and sure as hell don't want to go to Walmart of all places. | [
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28411 | That definitely hit home. I'd be thinking the same thing every time I submitted an online application and its quite frustrating. I'm beginning to realize I shot my self in the foot after graduation when a friend put me in contact with a friend of his who works at a large aerospace firm. The contact seemed more than wil... | [
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28425 | A strategy of rebalancing assumes that the business cycle will continue, that all bull and bear markets end eventually. Imagine that you maintained a 50% split between a US Treasury bond mutual fund (VUSTX) and an S&P 500 stock mutual fund (VFINX) beginning with a $10,000 investment in each on January 1, 2008, then on... | [
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28470 | As a counterpoint, I don't think it's totally necessary to do 300 hours per level especially if you already have a background in the material from school. I did ~100 hours of legit studying for 1 and ~175 legit hours for 2 and passed fine. Had a solid number of friends who did the same amount. Then again YMMV dependi... | [
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28473 | In Canada section 347 of the Canadian Criminal Code makes it illegal to charge more than 60% annually. Since most Canadian credit card annual interest fee is below this they are within that legal limit. However this is limited only to the rate and not necessarily a cap on the absolute interest charges. | [
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28477 | Strictly speaking the terms arise from double entry book keeping terminology, and don't exactly relate to their common English usage, which is part of the confusion. All double entry book keeping operations consist of a (debit, credit) tuple performed on two different books (ledgers). The actual arithmetic operation p... | [
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28495 | College degrees are used as a club membership, if you don't have a piece of paper saying that you know what you know, it doesn't count as far as employers are concerned. You may possess the knowledge, but not the 'credentials'. It's stupid, yes, but that's how society works. | [
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28496 | Geloman's Indian Spares provide you motorcycle spares for the majority of all Indian motorcycles, including main spare parts, where we do not have them in stock we can order them in. If you want to Indian 101 Scout spare parts, then you can visit our workshop. Because we are the best dealer of Indian motorcycle spare ... | [
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28504 | First you should understand the basics of how insurance companies make money: In a simple scenario, assume 1,000 have car insurance. Assume that on average, 100 people have accidents per year, and that each accident costs $10,000. So, we can expect total costs to be $1,000,000 per year. Some of those costs will be paid... | [
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28505 | I'm not whining at all, you are just a dick, and you lie about things like Panasonic agreeing to put up a billion dollars. When I realized my gross margin numbers might be old, I admitted it. But, shit-head that you are, you just keep going along.... because that is the kind of person you are. | [
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28533 | That makes sense, no doubt there are a few market segments where Sears is good, like the hardware you mentioned. However, I do think that the average age of a Sears shopper vs. an Ikea or Walmart shopper is much higher. Even though in your case you bring the average down being only 35. | [
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28561 | "H! i made you [some ""Trusty Tuk Tuk"" signs in english](http://imgur.com/a/P1inx). there are different styles to choose from. *if i email them, they are big enough to print and use. you could print them on colored paper. do you have email? hey everybody, [here is Tuk Tuk's Trip Advisor page](https://www.tripad... | [
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28578 | You can remotely close the account and transfer the money out to your account in home country. If you have netbanking you can also setup remittance service to your country | [
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28590 | There is a great 3rd party application out there that I use (I am a broker) along with my internal analysts and other 3rd party sources. VectorVest has a LOT of technical information, but is very easy to use. It will run any kind of screen you like, including low 52 week numbers. (No, I don't get anything for recomm... | [
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28594 | I still rather think making the millionaires tax would be better. There is no reason there shouldn't be a 500k bracket a 1 million bracket and a 5 million. Also up the pay in level on social security as well. If they're going to take this asinine approach they should just increase capital gains tax by 2-3% instead. | [
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28599 | Not really reasonable because you can't hold a gift card in your IRA, but clever idea none the less. I'm sure a few smaller investors would take advantage of that in a taxable account if it was remotely possible. | [
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28603 | Hey! You! Yes you! Did you bother to read the requirements for this subreddit? Here, let me post them: 1. This is not the place to promote your business. Any and every post promoting a business in any capacity will be removed. 2. Spamming will result in an instant ban. No mercy for spammers. **DO NOT POST YOUR S... | [
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28604 | "The current stock price you're referring to is actually the price of the last trade. It is a historical price – but during market hours, that's usually mere seconds ago for very liquid stocks. Whereas, the bid and ask are the best potential prices that buyers and sellers are willing to transact at: the bid for the bu... | [
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28612 | Depends on how many resources they have stored away.. ..how much they're capable of making on their own or within their circle.. ..how long they can hold out until they need something from a larger society that their smaller one can't provide. ...or, until the larger society shows up at their door pushing a trade the... | [
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28633 | "I think I found the answer, at least in my specific case. From the heading ""Questar/Dominion Resources Merger"" in this linked website: Q: When will I receive tax forms showing the stock and dividend payments? A: You can expect a Form 1099-B in early February 2017 showing the amount associated with payment of your ... | [
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28636 | The easiest way is to walk over to any Bank that deals with Foreign Exchange or go to any Western union Money Transfer agencies, they will take the Euro and give you Indian Rupees. Passport is not required, but a proof of identity is required. Banks will also ask you question as to how you got the money, as long as you... | [
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28661 | I never understood why anyone would overdraft their checking account, until a conversation with a bank teller recently who told me that most young folks these days don't bother to balance their checkbooks anymore or to even bother with a checkbook at all -- they just check their available balance to see how much is in ... | [
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28662 | It means $400m expected revenue, likely spread out over multiple years as it gets implemented, and not entirely guaranteed to happen as they still need to fulfill the contract. The impact on the stock price is complex - it should be positive, but nowhere close to a $400m increase in market cap. If the company is expect... | [
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28674 | Most of the population living in poverty do not have cancer. They are mostly high school dropouts, single women who made the decision to bring the child into a world without income or a father, or people who choose not to work. | [
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28683 | Assuming you're talking about your United States Federal Income Tax payment or refund, the IRS has a website for checking the status of your refund. You can check that site to see where your refund is. If it doesn't show up on that site (assuming you provide all the information correctly), then you may want to check ... | [
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28685 | if I put a limit sell at $22.00 now, will it not sell until it's at $22.00 and I will continue to keep the stock? Basically yes. But note that brokers generally don't allow such limit orders to persist indefinitely. The default may even be that they're only valid until the end of the day, and usually the maximum validi... | [
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28699 | WalMart bought a lot of supermarkets in my country, though they kept their original names. But at most times during the day there are at most two cashiers open. So when I see a long line I don't buy and leave | [
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28700 | I have a fb account, I never use it. I wont delete it, because those bastards actually wont let you. So Ive intentionally become a dead customer to them. I actually campaign to my friends to communicate with me via any other method. I hate everything fb stands for as a company. Imo this company defines narcissitic scum... | [
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28717 | "I'd be curious to understand where you live, with a condo costing nearly 3X the average home price in the US. That said, if you are hell bent on this, money is loosening up. I am a real estate agent, and part of my distaste for the industry is the fact that it is the near opposite of financial fiduciary. I am respons... | [
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28720 | Bottom line is our system is broken. For three years running I am 0% return with over 600k in. Yet, the 401k admin institution charges us all enormous fees that most aren't even aware exist. A helpful tip is to also check out your expense ratios and learn how those work as well so you know how much you are paying in... | [
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28734 | After filing a Chapter 7 (the more common form in the USA) you have to wait 8 years to file another Chapter 7 but only 4 years to file a Chapter 13 (repayment rather than liquidation, at least in theory, in practice it does not always look that neat and tidy). Chapter 13 you can file a new 13 two years later, but the... | [
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28740 | "It works if after the price has halved and you buy more the price then rises, however if you are attempting to do this you are basing you ""doubling down"" on hope, and if you are basing a purchase on hope you are gambling. In many cases if the price has halved it could be because there is something very wrong with th... | [
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28748 | I would suggest contacting them. If the account has a small amount of followers and seldom active on it, they usually don't mind handing over the account username. If they won't do it from the kindness of their heart, perhaps ask them how much they want for it? Nothing worse than having inconsistent social media accoun... | [
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28749 | "> The worst that could happen to the employee is they could lose their job. Yes, that's my point. An employee is not going to risk saying ""no"" to a violation of labor laws when their livelihood depends on keeping the pay check coming." | [
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28758 | I would say when starting with Gnucash to start with the level of granularity you are comfortable with while sticking to the double entry bookkeeping practices. So going through each one: Refund for Parking Pass. Assuming you treat the Parking Pass as a sunk cost, i.e. an Expense account, its just a negative entry in t... | [
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28764 | You would report it as business income on Schedule C. You may be able to take deductions against that income as well (home office, your computer, an android device, any advertising or promotional expenses, etc.) but you'll want to consult an accountant about that. Generally you can only take those kinds of deductions ... | [
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28770 | Itologyok is a full-service business and laptop-related offerings business enterprise, for similarly greater information about the itologyok cloud-primarily based offerings, sense unfastened to get in contact with us.Cloud server website hosting Get pleasant cloud server hosting in the Oklahoma City, within low priced ... | [
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28771 | I think he's referring to [NAT-PMP](https://en.wikipedia.org/wiki/NAT_Port_Mapping_Protocol). NAT-PMP opens a port on your firewall to allow you to access your IoT devices when you're away from home, but the services this exposes may have vulnerabilities that allow attackers to have access to your internal network. | [
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28809 | "Most likely that's the amount of interest that accrued on the loan while you were in school. If you had paid that amount before 6/21, you would have just paid off accrued interest and your loan balance would have stayed the same. Since you did not pay the interest, it will be added to your loan balance and you will j... | [
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28831 | Wrong homie. The buy out of country wide was an open market purchase I believe at 5.50 in the spring of 2008. There was no govt deal involved. Just Anglo mazillo riding off into the sunset with his fake tan. | [
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28850 | I recently came across bitcoin, it is what I was really looking for at the time. | [
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28862 | "I know this I irrelevant, but whale. Man, what an og username. I agree with you on the offshore banking. Also, having worked for Apple in the past, I really don't think their products truly are all about ""quality"", but rather the absolute appearance of quality. To the point where Apple tells their customers what q... | [
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28878 | As I tried to point out to people before the ACA went into effect, the 80/20 rule applied to premiums but did nothing to address copays or deductibles. Furthermore, it's not like anyone was going to audit the insurance companies for strict compliance with the rule. But everyone thought that making sure more people coul... | [
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28894 | I don't know about the US, but in the UK this is common practice, even required in some situations, and not sketchy at all. It's perfectly legal, saves you tax, and protects you from a legal standpoint. (i.e. what if you break something and your employer wants to sue you?) This is what companies are for, they are legal... | [
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28901 | Daqri is developing a smart helmet and is a name I keep hearing about when this subject comes up at conferences. Autodesk has been gobbling up tech like the Stingray engine for awhile with a heavy focus on real time modeling and simulation in the future. Some of the advancements they have made on that is quite impres... | [
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28939 | "What you're pretty systematically failing to appreciate is the **pain** felt by people during structural unemployment. Yes, they should get an education, but guess what, they're probably too old for it to be worth or so far behind on the education ladder that it'd be a real struggle. Maybe they should move to a city... | [
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28942 | Mint.com—Easy solution to provide insight into finances. Pros: Cons: | [
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28951 | I'd suggest you put only 20% down if you qualify for the 80% amount of the mortgage. Live in the house a year and see what expenses really are. Then if your non-Ret accounts are still being funded to your liking, start prepaying the mortgage if you wish. It's great to start with a house that's only 50% mortgaged, but ... | [
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28954 | "Did you not see the first link? Want a different one? http://www.businessnewsdaily.com/3088-american-dream-wealthy-parents.html The very definition of ""self made"" many of these cnbc type of articles that get tossed around are extremely misleading once you dive into the data. I just go where reality takes me. A l... | [
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28956 | Pool Maintenance Avalon NJ - We strive to provide all our customers with the most reasonable prices and get our jobs done as scheduled, which is why we have so many referrals. PM Pools will build you a swimming pool that you and your family will be satisfied with for years to come. | [
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28961 | >Would businesses make infrastructure if they had to? Yes. Would it benefit all users equally and would they allow anyone (including competitors) to use the infrastructure they built? Not likely. It doesn't necessarily look like say Wal-Mart building roads between it's stores. It could be a company coming in and bu... | [
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28965 | If you are looking for that place in Dubai from where you can buy the cheapest service of database, which is capable for you. The Database For Business is ending up for you that fulfill the requirement. We have become the integral part of any marketing campaign with the growing popularity and use of mobile database of... | [
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28974 | "I agree with the rest of the answers -- you're probably better off just using it for some predictable flat-rate recurring monthly service like NetFlix, or making a charitable donation if you're into that sort of thing. But since that wasn't what you asked, I'll try to provide an answer: If you don't mind throwing away... | [
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28976 | >but is in no shape to do so due to their massive debt. Actually it's because they don't have their own printing press for the Euro. They need to drop out of the Euro, devalue their own currency and take control of their own monetary policy and economy. | [
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28991 | Legally, no one else can withdraw from your account. If you suspect the direct-deposit websites are making withdrawals, you can monitor your account balance and dispute any transactions that were not made by you. But realistically, any company that did that would soon be out of business and in so much legal trouble tha... | [
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29009 | I'm just a sole trader who doesn't have much money which is why I'm looking at budget stuff. It's not like I'm a big business just being really tight. I need advice on this, not to get down-voted. I need one that is cheap or free but I would prefer that I can upload my own files and I would like to connect my own d... | [
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29011 | ">[Google] will pull information based on what the user searches across Gmail, Search, YouTube and other Google properties...also ... Google calendar."" This is my entire life. >""Sensitive topics like suicide or rape will not appear."" Gee thanks, guys." | [
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29024 | "As with many questions here, while littleadv is correct, the real answer is ""each bank may handle this differently."" In my case, I was experimenting with my balance to see the impact of utilization, and I overpaid the current bill before the bill was issued. The prior balance was paid, but then I sent a payment to... | [
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29073 | When you buy a bond - you're giving a loan to the issuer. The interest rate on the bond is the interest rate on the loan. Usually (and this is also the case with the treasury bonds), the rate is fixed for the term of the loan. Thus, if the market rate for similar loans a year later is higher, the rate for the loan you ... | [
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29075 | "Sure my dude. I'm not disagreeing with them being irrelevant outliers in terms of this data, I'm just disagreeing with you saying ""lottery"" like they didn't have to put any effort in. Becoming a pro athlete is a shit ton of work" | [
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29096 | So, what percentage savings did Lowe's actually realize by doing this in the scheme of things - especially in context to the business losses that will happen as a result from this? The truth is, if we sheeple could just understand the power we wield, we could be the judge, jury and executioner for most any company if ... | [
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29099 | There is a severe problem with the economy now because people, banks, and governments have been taking on an unprecedented amount of debt relative to income. This isn't a matter of government debt to GDP, but [total debt to income](http://grandfather-economic-report.com/natdebt-vs-natincome.gif). People are still going... | [
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-0... | |
29111 | "Merriam-Webster has the following definitions of the term, ""Interest"": While 2a may be the definition you know, there are more than a few others here that are worth understanding as there can be various contexts so that it isn't as simple as you may think." | [
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... |
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