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29128
I'm not even going to answer your question. You are the type of person that ruins good discussion. You interject with a ton of opinion about something but then it turns out you dont use the product or have any idea what you're talking about.
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29140
"If you still have affairs in Spain or you plan to visit regularly, I would advise against closing your account there unless it is expensive. I still have a bank account in the Netherlands and it simplifies at lot of things to have it. I would recommend you take enough money to get you going in the US with you but lea...
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29155
I think Michigan has a few good technical schools that could feed Amazon. U of M being #1 in the state but Michigan State and Michigan Tech both produce a lot of good engineers. And Detroit is on an up beat. I am from there originally and it was attracting a lot more young people/businesses. I live in Portland now an...
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29176
Do you have a smart phone? Check out the Clark Howard Podcast. I listen every day. Of course you can listen from your computer but its far easier to consume from a pod catcher
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29184
"Does the bolded sentence apply for ETFs and ETF companies? No, the value of an ETF is determined by an exchange and thus the value of the share is whatever the trading price is. Thus, the price of an ETF may go up or down just like other securities. Money market funds can be a bit different as the mutual fund company ...
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29192
The state and local tax deductions (including property taxes) disproportionately benefit the rich ([88% of the benefit is to those with AGI >$100,000](https://taxfoundation.org/state-and-local-tax-deduction-primer/)). Cutting SALT would be a progressive reform. However, it would reduce the subsidy for state and lo...
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29197
"As the saying goes... ""Failing to plan is planning to fail."" If you want to be successful you must have a plan on how you are going to succeed. Part of making that plan is understanding what the potential points of failure are and how you are going to handle them. It is impossible to do this if you do not unders...
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29201
Right, and the other five senior VP's are going to say something entirely different. Meanwhile the poor IT manager feels like he is being kicked in the teeth and everyone but him gets a voice in spending his budget.
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29237
The 2012 Leadership Development and Talent Strategy Report is a wealth of information that will show you where top performing corporations plan to focus (and spend their training dollars) in the new year. Download your free copy of the report at: http://www.PredictiveSuccess.com
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29271
Just general advice but you should pay off your credit cards and car loans before buying a house. Or you may be able to add some extra on to the mortgage to pay off your credit card and car debt right away. Credit card interest rates can be ten times the interest rates on mortgages and car loans are not far behind. The...
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29276
Video CPM are higher, if they allow user video upload, video ads will follow. Anyone that took a look a buying twitter last year might look at buy reddit. both company have about 300 millions MAU but twitter wanted 30 billions (but 18 billions would have made more sense) reddit valuation is a fraction of the price ed...
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29295
> Prices can still be low and people can still make tons of money, just slightly less money for those at the top and slightly more for those at the bottom rungs. You cannot simply *pay* people a wage different to market wage. Why would the executives take accept a salary at 80% of the market wage when they could ju...
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29298
For economics I recommend mises or these videos to get you started. For daily critical analysis of financial markets, keynesian government policies, and other interesting reading I recommend zerohedge. I've learned more about financial markets and government regulations by reading the comments section on zerohedge art...
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29300
It is true that with a job that pays you via payroll check that will result in a W-2 because you are an employee, the threshold that you are worried about before you have to file is in the thousands. Unless of course you make a lot of money from bank interest or you have income tax withheld and you want it refunded to ...
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29304
"It's called a ""checkbook register"" -- learn what it is and how to use it properly (not only recording your transactions & maintaining your own running balance, but also including ""reconciling"" it with your bank-issued statements or online transaction listings) and you will *not* overdraw. It's [fairly basic s...
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29306
No - there are additional factors involved. Note that the shares on issue of a company can change for various reasons (such as conversion/redemption of convertible securities, vesting of restricted employee shares, conversion of employee options, employee stock purchase programs, share placements, buybacks, mergers, ri...
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29323
For most people, the longer you have until retirement, the more beneficial a Roth IRA becomes. As you get closer to retirement, your income should be higher than what you earn now, pushing you to pay a higher tax rate than what you are currently at, even if tax rates don't change. You said you were fairly young. ...
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29359
Most of the reason is due to infrastructure costs in the suburbs being hidden in general taxes. Suburban governments don't make enough property tax revenue to maintain infrastructure. New suburban homes don't pay affordable housing ordinance taxes of 10-20% (which new Chicago apartments must pay). Schools is...
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29360
In Ontario, common law marriage requires 3 years of cohabitation, and doesn't give rights to property (which remains separate). I'd say in your situation you can still file as single, but I'd suggest asking your tax accountant to be sure.
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29372
"Lets say you owed me $123.00 an wanted to mail me a check. I would then take the check from my mailbox an either take it to my bank, or scan it and deposit it via their electronic interface. Prior to you mailing it you would have no idea which bank I would use, or what my account number is. In fact I could have multip...
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29386
Lightning is one of the most devastating natural phenomena and a direct strike will damage anything and everything on its way. Lightning Eliminators & Consultant Inc. installs a wide range of lightning protection products to divert a strike away from the structure and equipment. These products are designed to preve...
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29397
"But I have been having a little difficulty to include the expenditure in my monthly budget as the billing cycle is from the 16th to 15th of the next month and my income comes in at the end of the month. Many companies will let you change the statement date if you want, so one way to do this would be to request your ba...
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29399
Re #2, consider an account at a credit union rather than a bank or brokerage firm. Whether you choose a savings account or a money market account, you're likely to get an account with lower fees (so it doesn't cost you money), and rates that are typically similar.
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29400
This is only true for countries where we don't have a tax treaty. If we have a tax treaty with the country then you would get foreign tax credits if you repatriated the money. The reason US corporates do this is because US corporate tax rate is the second highest effective rate in the world at ~40% depending on the sta...
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29404
What a mindfuck. Human consciousness is something I can't quite wrap my head around. How about an intermediate scenario -- what if whole-head transplants could be performed onto cyborg bodies such that no duplication of the mind was necessary? Would that somehow be closer to a transfer of *this* you?
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29494
Can confirm. It's why most innately creative industries like advertising, film, architecture and so on have a process that keeps criticism--and critical people--out of initial concept development. The bitchers are kept out as long as possible so good ideas can be nurtured to selling size before the bureaucrats murder t...
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29502
You pay taxes on any gains you make after selling, so if you buy and hold you won't pay taxes (and you should hold for more than a year so that it gets taxed at the long-term rate, not the short-term rate). I like ETFs, there are some good ones Vanguard offers that are fairly broad, or you can use something like www.Be...
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29511
"Tell me about it. Although I have a Sony little 40"" and I have to say I am very happy with it. I got it as they were phasing out the previous year models, and while it doesn't have 3-d the picture quality on 2D is actually very good. I am told the speakers are not great, but I have surround sound anyway, and I thi...
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29517
The bare minimum should be 6-months of expenses. Ideally, it should be at least 1 year. My personal preference is 2+ years, but one thing at a time. Figure out your necessary expenses: food, shelter, transportation and necessary extras. An example of a necessity, beyond the basics, for me is a decent internet connec...
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29519
No, but it's not crazy out of reach of the salaries you listed, either. Heck, you even made a provision for $250k. And it's certainly over the $100k threshold. But sure, if all you are is a worker bee you're not going to make that. As long as you're quoting developer salaries, you're not going to make that. The qu...
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29530
"> It is amazing to me how ""middle class"" can spend hundreds of thousands of dollars and not spend even a few thousand to get some real advice. i have seen to many ''middle class'' buy a $100k+ house and not even spend $1000 on a decent home inspection..."
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29535
Be honest with them and let them know exactly what is expected. Act like they are part of a team and that they are as important as you are. Ask for their input and give them credit for their work. Thants all. Good luck.
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29540
**Stanford marshmallow experiment** The Stanford marshmallow experiment was a series of studies on delayed gratification in the late 1960s and early 1970s led by psychologist Walter Mischel, then a professor at Stanford University. In these studies, a child was offered a choice between one small reward provided immedi...
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29548
Assumptions made for this answer, they may not be true for anybody: For the numbers part we will assume you are single and make 96,000 per year. Unknowns: how long you have to wait post accumulation to convince the bank you really do make $96,000 per year.
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29563
Wesley gave a great answer and a follow up comment. Heed his advice. If you cannot make ends meet by working two jobs, either you are working very few hours or you have a spending problem. I feel it is more of a spending problem as you should have been able to complete your program and stay within the FAFSA limit. Th...
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29567
what he doesnt mention is that when American was GREAT was largely the 50's and 60's .. a period characterized by stellar tax rates. in 1944, FDR set the top marginal tax rate at 94% (for anything over today's equiv of $400k salary), and a corporate tax rate of 70%. Cutting corporate tax rates, when ppl don't have a...
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29571
how are the ways he could scam me? There are hundreds of different ways the scam can progress ... broadly;
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29574
I don't understand why they couldn't just put google maps and apple maps side by side, even if they changed the default app to Apple's at least they wouldn't have pissed people off who depended on Google's services (like transit)
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29578
And people call me crazy because I want Seth Rich's murder investigated! Lol Lol so Seth Rich being murdered for political gain is a crazy conspiracy theory, but Amazon is TOTALLY taking underlying control of the economy. Serious business discussion going on here /s lol.
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29582
Amazon has built an incredible logistical infrastructure that's better than anything the retail world has seen. Even Wal-Mart can't come close to matching it. Whole Foods, on the other hand, is a mess. That's why they were struggling to compete against other big supermarket chains who started offering organic foods t...
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29590
"In my area, the prices are actually fairly comparable (for produce) but WF's is definitely better quality. Where WF gets expensive is with meats (because so many are grass fed, organic, etc.) and with anything prepared/frozen. (Again, organic, gluten-free, etc.) So if you're using Whole Foods as a ""healthier"" rep...
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29595
I've noticed that most people start new jobs just before the holidays for a different reason: A lot of departments find themselves in a position where they need to finally get around to spending the rest of their staff budget or risk losing it next year; so a lot of hiring happens at the end of the year, especially o...
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29617
No, any gifts you receive are not taxable to you. In fact, losing money in a scam (as this sure sounds like to me) can even be tax-deductible if you lose enough! I wouldn't recommend accepting anything. Usually people with millions are dollars are capable of setting up their own bank accounts.
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29620
Many of us believe that brushing and flossing twice daily is enough for us to maintain proper oral health which is why we do not bother to even visit the dentist; however, it is important that we do that so that we know if we are facing any infection or cavities so that it can be cured at the initial stage.
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29622
"No, it's not. Not in the long run. Productivity growth has a natural limit as well - this has been widely published and discussed. That's why I started out by clearly saying ""in the long run"". Furthermore, productivity has only increased something like 6x in the last 100 years - that's significant, but not as mu...
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29634
Recognizing his achievements as a young entrepreneur, Kushagra Nayan Bajaj was honored as a recipient of the `Young Achiever’ award by the jury of the 10th Rajiv Gandhi Awards in August 2007. Prior to this, India Today, in its Youth Special issue of January 2005, titled `Young Guns’, acknowledged him as a leader of Ind...
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29636
"break new ground ""band aid"" ""on the back burner"" ""a lot on your plate"" ""knowledge transfer"" ""fire drill"" Man, I do NOT miss working there. The annoying part was being ""called to serve"" at any given moment. I was good about that, I tend to half-remember what's going on, but I've had co-workers caugh...
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29642
Some of the ETFs you have specified have been delisted and are no longer trading. If you want to invest in those specific ETFs, you need to find a broker that will let you buy European equities such as those ETFs. Since you mentioned Merrill Edge, a discount broking platform, you could also consider Interactive Broke...
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29674
They also tranche their loans just like the bonds in the housing crisis, which freaked me the fuck out when I heard it. Asked one of the main Sofi guys presenting at an event (think he works with the 4 founders about his answer and he basically just said the quality of the loans going in will keep them save. It seemed ...
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29721
Fair enough. I was just trying to save them money. If it were me, I'd call up the dealer first and threaten to contact local media if they didn't void the contract. In the end though a lawyer is probably the best bet. Even just having them write a letter to send over would probably get them to nullify it.
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29729
So extenuating circumstances might make it OK for someone to lie to you. In this specific case, BofA withheld material information from its shareholders and asked them to approve the merger on the basis of known false information. This is, by definition, fraud.
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29761
"There has been almost no inflation during 2014-2015. do you mean rental price inflation or overall inflation? Housing price and by extension rental price inflation is usually much higher than the ""basket of goods"" CPI or RPI numbers. The low levels of these two indicators are mostly caused by technology, oil and foo...
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29790
"You could convert your Australia cash to US dollars in cash now through a Foreign Currency provider like Travelex or UAE Exchange. To convert to USD cash right now, here's the rate you're looking at with both providers: The downside with either converting to cash now, or getting a ""cash passport"" like my other answe...
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29798
Something tells me the people buying Tesla aren't doing it because they care about the environment... It's more of a side effect. There's definitely a subset that do but everyone I know around DC who's on the list (and it's at least a few dozen) want the status symbol. Tesla is an icon at this point and if it was a $...
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29812
My Finances is a personal finance app for iPhone and iPad. The app uses iCloud to sync the data between your devices if you want to. Otherwise the data is only local and won't be synced to any server. Spoiler: I'm the developer and my opinion may be biased.
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29813
If they have your account numbers (which are necessary for direct deposits) they could possibly initiate ACH withdrawals from your accounts too (requires some setup but they may have accomplices). Note that even if you didn't have money there, depending on the local bank rules you may be still on the hook for overdraft...
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29817
"You may be considered a resident for tax purposes. To meet the substantial presence test, you must have been physically present in the United States on at least: 31 days during the current year, and 183 days during the 3 year period that includes the current year and the 2 years immediately before. To satisfy th...
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29828
I can think of three things you might do: Talk to a fee-only adviser. As the comments suggest, this would only be one or two sessions to lay out what all you have, establish what you want it to do, and write a plan that you are comfortable carrying out yourself. What do your 401k and Roth IRA look like? If you mean for...
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29835
I wouldn't stress out too much about what you call the category. As long as it makes sense to you and your tax accountant it should be fine. Besides, it's usually pretty easy to rename a category in the future. Just for reference, my accountant set up my categories (also for S-Corp) like this (though this was 8 years a...
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29844
If you have quoted an incorrect number, and the transfer has happened, it cannot be reversed. The funds are already with the individual and bank cannot debit the individual without his authorization. The best course for you is to try get the details of the individual and see if the funds can be moved to the correct acc...
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29849
I just listened to a podcast on this topic this week, and Satanicpuppy is pretty much correct. If you are interested, here is a link to the podcast on Legal Lad: Can Businesses Refuse to Accept Cash?
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29886
"Actually that statistic (whether it is 9/10 or 95% or 99%) is often VERY misquoted AND it is both overstated AND extremely misleading. * First of all the ratio/percentage of even the ""urban myth"" that ""everyone knows"" is purportedly **over a 5 year period of time** not a single year. * Secondly, just because a b...
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29890
Sedation You should note that you will be under dental sedation (often via a local anesthetic) whenever you have a wisdom tooth removed, so it’s best to prepare for it, preferably by bringing along someone who can drive you home after the procedure.
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29891
Our compensation is pretty typical for a study like this. And, it's actually frowned upon by the IRB to offer too much, because it runs up against ethical concerns for coercion to participate in studies. Given the population for this study, of course, we also added the raffle for the Oculus Rift, as something that mi...
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29896
Wants to configure your router setting? If yes, then use routerlogin.net web address for Netgear router. If you face any issue then simply take assistance from us. We are providing 24/7 customer support on toll free number. Call right now.
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29983
I think we're way past the stage where anyone can claim that. Tablets have very wide application from hospitals, child care, education, sales, flying planes and restaurants to name a few. Wearables are still unproven; c'mon app1e!
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29984
Maybe, but having one increases the risk of gun accidents and is a real risk if someone in your home has mental health issues, and those are statistically far more likely than defending yourself for home invaders or protecting yourself from the breakdown of society. If you aren't someone who genuinely enjoys hunting o...
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30006
"I think that your best option is to use the internet to look for sites comparing the various features of accounts, and especially forums that are more focused on discussion as you can ask about specific banks and people who have those accounts can answer. ""Requests for specific service provider recommendations"" are ...
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30037
"Yes. A most emphatic yes. I suggest you look at your 2014 return and project what 2015 will look like. I'd convert enough to ""top off"" the 15% bracket. Note, if you overshoot it, and in April 2016, see that you are say $5K into the 25% rate, you can just recharacterize the amount you went over and nail the bracket ...
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30044
Your debt is insane. Forget investing, pay off your debt. You owe 100% of your salary, with only one smallish asset (6K in the bank). Sure you have a car, but the value of the car is falling rapidly and can be taken to near zero by a simple accident. Once you have your debts paid off (or at least to a reasonable le...
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30068
I love you guys, you’re the most honest and hard working taxi drivers I’ve ever met. People come to Siem reap two ways, by air and via the boarder from Thailand. When I was there the busses would drop you off at Poipet and you would have to hire a car to take you the rest of the way. Now the busses go direct. Peopl...
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30070
I often sell covered calls, and if they are in the money, let the stock go. I am charged the same fee as if I sold online ($9, I use Schwab) which is better than buying back the option if I'm ok to sell the stock. In my case, If the option is slightly in the money, and I see the options are priced well, i.e. I'd do an...
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30072
"There are only three circumstances where building your own ""index"" portfolio make sense, in my opinion."
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30090
There are several reasons why credit cards are popular in the US: On the other hand, debit cards do not have any of these going for them. A debit card doesn't make much money for the bank unless you overdraw or something, so banks don't have incentive to push you to use them as much. As a result they don't offer rewa...
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30093
Supplier of Talc Powder in India http://quartzpowdermanufacturers.com/supplier-of-talc-powder-in-india.php Shri Vinayak Industries is a very popular Supplier and Manufacturer of Talc Powder. We are offering supreme quality and a wide range of Talc Powder that is manufactured and processed from best raw material. Talc P...
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30120
"Bank for International Settlements (BIS) are the guys in Switzerland that came up with the Basel accords and gave us fun things like Capital Adequacy Ratios and kept bankers constipated for the last decade. It seems According to them, the bankers have been up to no good again and have been engaging in bank to bank cu...
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30124
> If you aren't ivy league you have no hope of getting on wall st in front office. BB associate here coming in to confirm this. Front office wall st is comprised of 2 types of people. 1* Tier 1 (Ivy, 4.0 UChicago, London School of Econ, 4.0 NYU, etc) undergrads who didn't make it into HF's and are looking for ...
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30125
"Have you avoided business articles, family bbqs, and friends for the past 20 years? Have you ever shopped anywhere else? This is a comment a best buy executive would make. ""Oh it's bad? It works for me...could you tell me what's wrong?"" (Not that you're a spy. Or arrrreeeee youuuuu...)"
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30133
"I think a the thing with depression and recession is just what he uses to define those economic statuses. He says at the begining that his thinking on the subject is what he uses and might not be conventional. Interest rates falling to near 0% might be the most common cause of a depression among others and why he cho...
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30142
I think your reasons are good. Fundamentally accounting software is built to ensure you record your accounting data effectively with minimal mistakes and good auditing. But you still need to use the tool properly to get the benefit. One other advantage is that many accountants are familiar with, say QuickBooks, and can...
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30155
If you're trying to teach them the value of money and quantifying the dollar difference between prices, one very effective way to do this is by using bar charts. For instance, if a toy is $5, and movie they really want to see is $10, and a vacation they want to go on costs $2000, it can be a useful tool to help explain...
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30159
The expense fees are high, and unfortunate. I would stop short of calling it criminal, however. What you are paying for with your expenses is the management of the holdings in the fund. The managers of the fund are actively, continuously watching the performance of the holdings, buying and selling inside the fund in a...
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30163
You bought a rental property in 2001. Hopefully you paid fair value else other issues come into play. Say you paid $120K. You said you have been taking depreciation, which for residential real estate is taken over 27.5 years, so you are about halfway through. Since you don't depreciate land, you may have taken a total...
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30181
No offense but ideas are cheap and easy to come by. Execution is the hard part. I think your audience probably has plenty of ideas of their own that they need help implementing. Maybe your ideas could include that as well.....
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30183
By most estimates, North Korea doesn't have an effective means of retaliating with a nuclear weapon. Further, its not like we were attacking North Korea even when they have repeatedly attempted to assassinate the leader of South Korea, shelled South Korea, or Torpoedoed one of their ships. The thing that keeps them f...
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30191
If it is closed, you should be able to trust that it is closed permanently. What you still have is the online account. Imagine this would be removed and then the account would be re-activated? That should not happen, but the way you see it, you must be afraid of that as well. What I mean to say: See these two things as...
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30196
I actually like bdubs... the wings. and fried pickles at least. The rest of the menu blows, but if they did some beer specials and brought back wing Wednesday at a reasonable price, they'd be fine. Everyone I know that used to frequent there went when it was 30 cent wings. This wasnt too long ago and I'm pretty sure th...
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30201
You're talking about NQO - non-qualified stock options. Even assuming the whole scheme is going to work, the way NQO are taxed is that the difference between the fair market value and the strike price is considered income to you and is taxed as salary. You'll save nothing, and will add a huge headache and additional co...
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30209
"It's a risky ""investment"" given how capricious the government can be, and like another poster said... if you don't understand it and can't explain proof of work, cryptographic hashes, and how and why there's a limit to total BTC ever, as well as changing difficulty to PoW, and what implications that those things *mi...
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30220
"fennec has a very good answer but i feel it provides too much information. So i'll just try to explain what that sentence says. Put option is the right to sell a stock. ""16 puts on Cisco at 71 cents"", means John comes to Jim and says, i'll give you 71 cent now, if you allow me to sell one share of Cisco to you at $1...
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30238
The market can stay irrational longer than you can remain solvent -John Maynard Keynes The stocks could stagnate and trade in a thin range, or decline in value. You assume that your stocks will offer you ANY positive return for every month over 24 months. Just one month of negative returns puts you underwater. Thats wh...
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30240
I think part of it is because we put our information on LinkedIn with intent that LinkedIn use it for a single purpose that is beneficial to us. And then LinkedIn - this is going to be shocking, brace yourself - uses it for that purpose, and both us and LinkedIn benefit. I mean, call me nuts, but if LinkedIn uses my i...
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30241
I disagree that it is a silly way to do business. I think many industries are actually moving in the direction of MLM. The whole idea with a successful MLM like amway is that they spend no money on advertising. Did you know most companies spend about a third of their revenue back into advertising? Amway instead pays ba...
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30250
"This is really two questions about yield and contents. Content As others have noted, an annuity is a contractual obligation, not a portfolio contained within an investment product per se. The primary difference between whether an annuity is fixed or variable is what the issuer is guaranteeing and how much risk/reward ...
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30253
Fees mostly. BOA, for example, just announced $5/month for for all debit cards. Chase has foreign transaction fees, mostly hidden. BOA once famously raised interest rates on credit card holders to 28%, legally. Also, some people do not like patronizing a bank with CEOs that bankrupt the company and then get multi-mi...
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30258
"In what sense do you think that RBC contributed to the subprime mortgage crisis? You seem to take that as a given without providing any evidence. Through their ownership, at the time, of RBC Bank in Raleigh? RBC came out of the 2008 crisis as one of the strongest banks in the world. And I explained the nature of the ...
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30259
Here's what you can do: roll up your sleeves and get to work. Work 2 or 3 jobs while you take 12 credit hours. Live in the cheapest available housing (that is reasonably safe). Have no social life. Wake up, work, class, eat, work, study, sleep. Every day. Don't eat at restaurants. Eat only simple meals at home. ...
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30260
Once you start going down the bitcoin rabbit hole (I've tried not to go too far myself), two things become abundantly clear: * It is the perfect vehicle to hide theft (including graft); * It is the perfect vehicle to circumvent currency controls (China). For those two reasons alone you're likely to see *severe* contr...
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30261
"If the free market can fix a particular problem it's this one. For years the baby boomers have been extolling the virtues of the free market to solve any problem. After all the free market is the most efficient way of meeting infinite demand with scarce resources...or so I'm told - supply and demand...etc. The prob...
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30272
Going the same route. Signing up with a prop shop with a 5k deposit, levered 20x, 100% commission, .003 (I think) fee per share. Studying for my S7 now. Basically, I'm using this as a proving ground and look to leverage this position for a more prestigious one at a prop shop that salaries/provides capital
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