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3135 | I think your math is off but I don't have time to work it out. It seems like the top 4 could conceivably have less than 2.2 million jobs between them. Your math appears to leave nothing for the other 46 states which is not the intent of that statement. The other 46 just added less than 113,500 each but the majority o... | [
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3143 | like he had anything to do with that.. when did you check out bro? did you just say you expect a plan for nuclear terrorism? actually? maybe your parents should handle your posts for you if they can. the plan for nuclear terrorists is kill them before they push the ever lovin motherfuckin button. But by all means, tell... | [
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3149 | Looking for the best in brain-building activities has most likely seen the excitement around LEGO Bricks in recent years. An increasing number of parents and educators are recognizing the learning opportunities these little interlocking bricks can bring to their kids. | [
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3150 | Beside standard Swift (which may be registered and checked for money laundering) there are the money transfer companies (Western Union) and the electronic currencies like bitcoin. Besides that is buying something very expensive (gold / diamonds) and sell them again a possibility to transport vast amount of value. | [
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3155 | > I don't have any data for this, but I believe online sales would increase as brand awareness increases. There are also benefits where you can buy online and have it delivered, but return in person. Right, right...I wonder if it's beneficial sometimes to have a physical location because the consumer is less likely... | [
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3169 | Well, as far as anecdotal evidence goes, my SO is working on a undergraduate finance degree at U of T, and has been hired at the Canadian office of a large American bank, in a field related to IB. That said, if it's possible to be hired at the Canadian office of an American bank, presumably it is possible to apply and... | [
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3173 | No. An employer is legally obliged to deduct taxes from your pay cheque and send them to the IRS. The only way round that is to either provide evidence of deductions that would reduce your tax bill to nothing, or to become self-employed. | [
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3181 | > Operating in a country that allows you to make profit, in my opinion, establishes a duty to pay one's fair share of taxes. Paying legislators to make laws enabling tax avoidance is, in my mind, unethical. Clearly we have a different idea of what is ethical and not. You have stumbled upon the heart of exactly why ... | [
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3188 | More likely employees that were either never trained, trained improperly, or just don't give a fuck. I'm sure there was plenty of Target employees raking in free money but it was clearly not just an inside job with how widespread the practice became. | [
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3217 | I am from Australia, so my answer is based on my experience over here, however it should be similar for the USA. Generally, what determines both the price of houses/apartments and the rents for them is supply and demand. When there is high demand and low supply prices (or rents) generally go up. When there is low deman... | [
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3222 | This depends in part on where you are. Sometimes signing over the title is all it takes to transfer ownership, sometimes more is involved. Contact your local department of motor vehicles (or equivalent) and ask them about how to transfer ownership, about registration (probably NOT transferrable), about license plates... | [
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3233 | VPN service allows access to secure data surfing. With many added features you can register for the service on your android phone as well. Invite and earn referal also available on the VPN service. Feel free to visit our website 24x7. | [
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3243 | I would presume this goes entirely through the credit card network rather than the banking network. I am guessing that it's essentially the same operation as if you had returned something purchased on a card to the store for credit, but I'm not sure whether it really looks like a vendor credit to the network or if it i... | [
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3251 | I got down voted for my comment. But, this is exactly what a lot proponents of higher capital taxes argue. That, if you are not a hoarder of wealth; then, you should not worry about a high capital gains tax. And, again as the video clearly demonstrated. Capital gains prevent labor gains; where the lower and middl... | [
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3279 | Most mutual funds underperform the stock market. Of those that over-perform, much of the performance can be attributed to dumb luck. Most mutual funds exist to generate fees from you, rather than make you wealthy. In my opinion, if you want to invest in one, choose a no-load index fund, and you will outperform most ... | [
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3283 | "http://finance.yahoo.com/stock-alerts/stock-watch/add/?.done=/stock-alerts/ You will have to have a yahoo account. If you want to provide an alternative delivery email address, visit the URL above. Click ""Stocks Watch"", enter ticker(s) and price(s) at which you want alerts, then at the bottom select the ""email"" ra... | [
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3293 | This seems really simple to me. | [
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3312 | "The link you originally included had an affiliate code included (now removed). It is likely that your ""friend"" suggested the site to you because there is something in it for your ""friend"" if you sign up with their link. Seek independent financial advice, not from somebody trying to earn a commission off you. Don't... | [
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3315 | I'll have to think it through, but at the very least unless your debt is a pure discount instrument and you are using cash flows, some if that money IS getting paid during those 5 years. As in if you are using earnings, they pay p&i. Or if earnings and pure discount instruments, then amortized interest (I think, b... | [
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3336 | "Yes, kinda. Talk to local banks about a business account, and tell them you want to enable certain employees to make deposits but not withdrawals. They don't need to know you're all the same person. For instance I have a PayPal account for business. These allow you to create ""sub accounts"" for your employees w... | [
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3364 | pretty good post. i just stumbled upon your blog and wanted to say that i have really enjoyed reading your blog posts. ganska bra inlägg. Jag har bara snubblat på din blogg och ville säga att jag verkligen haft läsa dina blogginlägg. | [
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3366 | The best would be to spend the money in US dollars. Order something from eBay/Amazon, even for resale, or pay someone in the US for services that you don't care where they're coming from, etc. | [
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3373 | "For most banks this is not the case. Transfers within the bank are usually instantaneous. It is not uncommon for banks to draw out the length of transactions because while the money is ""transferring"" or ""settling"" it is actually sitting on the bank's balance sheet, being lent out but not earning any interest. A ... | [
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3376 | Oxford Review makes a lot of sense. You're right - I should start off with a small goal. I am planning to do a reach out to about 100 professors and kind of take it from there. Would you be interested in being an advisor? | [
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3390 | *Follow the rules. You’ve learned and passed driving exam by knowing and following the rules so just keep on doing and practicing it for a safe tour. *Don’t drive as if you own the road. Remember that there are other vehicles across the way. *Before heading to a long road trip, be sure that you have plenty of rest or s... | [
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3426 | You were told wrong. Lifetime Learning Credit is not a refundable credit. I.e.: it reduces your tax liability, but you cannot get refund if it exceeds your tax liability. See the IRS pub 970 for more information: A tax credit reduces the amount of income tax you may have to pay. Unlike a deduction, which reduces the ... | [
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3439 | It's not worth the effort - executing a transaction costs time and money,and if you get only back your 14 cent, why'd you care? Same reason why some people don't pick up a penny - not worth the effort | [
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3455 | As I'm sure you are reading in Hull's classic, the basic valuation of bonds depends on the chance of entity defaulting on those bonds. Let's start with just looking at the US. The United States has a big advantage over corporations in issuing debt as it also prints the same currency that the debt is denominated in. ... | [
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3463 | You seem to think that stock exchanges are much more than they actually are. But it's right there in the name: stock exchange. It's a place where people exchange (i.e. trade) stocks, no more and no less. All it does is enable the trading (and thereby price finding). Supposedly they went into mysterious bankruptcy then ... | [
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3465 | "I'm from north jersey and not much of a gambler, so I'm def not their normal customer. But I'm young(ish) and have some extra cash - they need to find a way to get me and my crowd. I think if they did organized trips, like party-buses drive back/forth, cheap/reasonable hotel room prices, and maybe some entertainment ... | [
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3466 | You must consider the different levels of risk associated with each loan. When the bank loans you money, it does so based on a high degree of information about your financial situation (through your credit report + additional information gathered at the time of granting your request). It feels quite confident that you ... | [
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3468 | "https://money.stackexchange.com/a/79252/41349 https://money.stackexchange.com/a/79261/41349 Adding to @Chris H answer about damage limitation Online purchases could include phone/tablet app purchases, which could be an issue if you have children or you are a victim of fraud. First link from googling ""Kid racks up al... | [
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3481 | "Yes it's entirely possible; see below. If you can't find anything on transfers out (partial or otherwise) on anyone's site it's because they don't want to give anyone ideas. I have successfully done exactly what you're proposing earlier this year, transferring most of the value from my employer's group personal pensi... | [
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3495 | When a company IPOs the underwriters sell a given percentage on IPO day and shortly thereafter. Whatever is sold on IPO day trades freely. Insiders, employees and investors who bought before the IPO only sell a percentage of their shares on IPO day. They all also agree to 'lock up' the remainder for a period of time,... | [
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3511 | Why is this on r/finance lol. But of course that's a common thing. 300 a month sounds extremely cheap depending on where you are. Sounds like your friend is trying to take advantage of your dad owning a house and stay there for free, no? | [
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3519 | The top feature of these stacking windows and doors is that you can make considerable savings with their help because their design and make creates a kind of airtight construction that reduces the flow of outgoing and incoming heat and your home will stay cooler for longer in summers and warmer for longer in winters. | [
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3525 | "Don't get me wrong. If I could consistently see 2 movies a month with this, it would be worth it. And there are almost certainly 24 movies I'd enjoy seeing in cinemas in a given year. It's just a big ""if"" for a lot of people." | [
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3528 | This slave rents from slumlords now. They suck, but at least I was able to keep my dog. The 10 years that it will take to rebuild my credit is daunting, but it's not okay to artificially inflate the price of something, only to drop it back down to half of the original price in the span of 2 years. Nothing happened t... | [
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3533 | "Warren Buffet isn't using any special sauce. He looks for value and ignores hype, greed, and fear. He buys what he knows and looks for companies that generate cash and/or are available for a discount of their true value. He explains what he looks for in a company and his reasons for buying it. He has said on numerous ... | [
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3544 | "Oh Dear, our poor Oranagenottan is having a temper tantrum, poor baby, being called a ""Fucking Moron"" must really sting when all your life you have been wanted to be taken seriously, but life has been a series of Bankruptcies and Humiliating failures, and here you finally are, the President of the United states, arg... | [
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3548 | well, no, i just see some really huge numbers been thrown around, like Spain's banks will need several tens of Bn euros to be rescued... that's a huge amount of money, even if not a large share of the problem, a nation in trouble should not be saving the private sector's ass. | [
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3550 | > Amazon's share of new book unit purchases was 41%, dominating 65% of all online new book units, print and digital. The company achieved that percentage by not only being the largest channel for e-books, where it had a 67% market share in March, but also by having a commanding slice of the sale of print books onlin... | [
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3555 | >This is actual socialism, you understand that, right? Did you forget to read the part of socialism that defines it as workers controlling the means of production? This is not socialism. Socialism is the collective ownership of the means of production. I'm not advocating that. I said the exact opposite. I advocate... | [
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3556 | I'm not so sure I buy this article, but for anyone who doesn't know, Rajan wrote a great book called Fault Lines that linked entrenching class disparity in the U.S. with the mortgage build up and the following crisis. Great read | [
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3559 | "(relix already hit on some of this) It's hard to explain this to a five-year-old, because there are some fairly abstract concepts involved, but here goes... All actual ""money"" is debt. All of it, including monetary gold, etc. (Don't argue with me yet, I'll get to that.) Imagine a pretend world with no money, som... | [
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3566 | "There are books like, ""The Millionaire Mind"" that could be of interest when it comes to basics like living below your means, investing what you save, etc. that while it is common sense, it is uncommonly done in the world. Something to consider is how actively do you want your money management to be? Is it somethin... | [
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3574 | They'll largely be fine. They're to the point where it's all about business plans and securing financing. Determining long term risk for these types of firms are the main hold up at this point. But, given that everything else is flooded with investment capital already, I expect more and more lenders to get into the spa... | [
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3579 | "Forbes is simply a well-distrubted content farm. Forbes doesn't write articles to ""inform the reader"" or ""make a coherent argument."" Forbes writes articles simply to get attention from crowds to increase readership to increase ad revenue. Forbes' business model is quite simple: (1) hire a bunch of pseudo-intellec... | [
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3583 | I think you are thinking too hard about this. If a billionaire's assets increase 70% in the stock market, he created $700M in new wealth. If 300 people each create a million dollars in new wealth. We have 300 new millionaires creating 300M in wealth, but still 70% of wealth among the 301 people was created by the bill... | [
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3616 | Your search for Sydney Handyman ends with Sydney Handyman Hire. Our growth in the last few years has come by earning the trust and building good relationships with clients. We have a track record of providing excellent services which allows our clients to focus on their work. Address: 6/17-21 Bowden Street, Alexandria... | [
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3623 | "There's an elephant in the room that no one is addressing: Suckers. Usually when there's a bubble, many people are fully aware that its a bubble. ""This time its different"" is a sales pitch to the outsiders. It the dotcom boom for example a lot of people knew that the P/E was ridiculous but bought objectively valuele... | [
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3628 | I can't believe anyone in their right mind would put US health care above most 3rd world healthcare. The lowest quality care I ever receive is in the US. It feels like hospitals are constantly trying to upsell me, and doctors are trying to squeeze treatment into my insurance coverage, instead of doing what is mo... | [
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3644 | You have to remember that Costco only builds in richer areas too. I live near the Quad Cities (Davenport, Iowa is the biggest of those cities) and we are just getting our first Costco (not sure if they have even broken ground yet). And it is closest to Bettendorf, the richest city in the area. There are no Trader Joe's... | [
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3656 | Many companies actually just issue new shares for employee compensation instead of buying back existing ones. So actually, the share price should go down because the same value is now diluted over more shares. In addition, this would not necessarily affect companies with many employees than those with fewer employees b... | [
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3669 | Google Finance gives you this information. | [
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3686 | ">Interest rate swaps are now over 80 percent of the massive derivatives market, and JPMorgan holds about $57.5 trillion of them. Without the protective JPMorgan swaps, interest rates on U.S. debt could follow those of Greece and climb to 30%. CEO Dimon could, then, indeed be “the guy in charge”: he could be contr... | [
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3714 | The only way I can think of to do this would be to take a cash advance against the card, then buy the wire transfer with that cash. Of course cash advances typically start accumulating interest immediately, since the credit card company isn't capturing a fee from the vendor, and may be at a different interest rate than... | [
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3717 | "This is the best tl;dr I could make, [original](http://www.nber.org/papers/w23371) reduced by 72%. (I'm a bot) ***** > NBER Working Paper No. 23371Issued in April 2017NBER Program(s): AG DAE ED EFG HE LS PR. Using panel data on individual labor income histories from 1957 to 2013, we document two empirical facts abo... | [
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3737 | His parents did not hand the job to him at all. What is it with Reddit hating every person who lucked into being born with more money than they did? Does that mean he never earned anything? Is he not self made, no matter what he does, simply because he had some.advantages that you did not? | [
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3746 | Why would the companies pay more to cover personal risks of the employee? The employees will just have to suck it up and live with more risks. Employees who cannot work anymore because of that are the problem of the state and society, not of the company. There's a reason social safety nets were constructed in the firs... | [
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3750 | "The implication is market irrationality is stronger than market rationality. Aka nothing makes sense when TSLA climbs to $400 or when CMG rises to $750. I wouldn't say there is a systematic flaw in valuation. I think there is just a lot of ignorance. Markets are more open to household investors than ever before. You... | [
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3753 | You really need to back that up. If you are talking about graduate degrees it is a way different ballgame as math and science researchers generally pay similar tuition's after GA and TA stipends are given out. This takes cost out of the equation and higher prestige generally means accepting better students. Thus thei... | [
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3761 | I wish that /r/economy had Submission Statement requirements like /r/TrueReddit so that when someone posts an antagonistic title like this would be forced to at least state their stance on the topic. Of course he also posted this in /r/conspiracy so I'm not sure /u/klmd should be taken terribly seriously to begin with... | [
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3763 | Thanks to the online world, check ordering is much easier and less expensive.On our CheckOrdering.net website, we will show you the most effective way to check ordering. You’ll be able to order checks for personal or business use. you will not need to concern yourself with having someone else do this once arduous task... | [
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3764 | I think the only way to have an idea of whats going on is to take a sip of all the propaganda lies misinformation half-truths and of course the ever coveted granules of truth. Then sift through all the crap by overlaying all the stories on top of each other then fact checking what comes through as the actual story -the... | [
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3768 | [Chevy Bolt](http://www.chevrolet.com/bolt-ev-electric-vehicle) 238 miles range. You can buy it NOW, instead of waiting until next year. I would rather buy from GM than from Slick Muskie. Parking problem is syndrome of dysfunctional management. I don't trust a place that can't even fix their parking problem could buil... | [
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3773 | I would classify Bitcoin as a hybrid. Currency : It is accepted by e-businesses as a form of payment Commodity : Chart illustrating the volatility and speculative nature of Bitcoin | [
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3778 | Why is the US still working with paper checks when Europe went digital about a decade ago? Tax filing is just another area in which the US is lagging. Modernizing it costs money, and the US is quite close to bankruptcy (as seen by the repeated government shutdowns). Also, the US tax code is quite complicated. For inst... | [
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3789 | Based on the definitions I found on Investopedia, it depends on whether or not it is going against an asset or a liability. I am not sure what type of accounting you are performing, but I know in my personal day-to-day dealings credits are money coming into my account and debits are money going out of my account. Defi... | [
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3793 | "> I have a bachelor's degree in management, but for the most part, we skimmed through several finance-related subjects like investments, project analysis. I wish I could flag the question of ""why do they do this to you kids"" for future discussion with those more knowledgable, because surely there are incentives ... | [
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3796 | This is a common occurrence when somebody has multiple jobs in one year. The employer can't know if you have reached the annual limit. They know to stop when you have hit the maximum for their company, but don't have information on the other jobs. In fact the IRS doesn't let them factor in the other jobs. They have to ... | [
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3805 | It's not clear exactly what you're after, but I'd echo /u/avarachen93 and say read the news. I'd focus on the WSJ, Financial Times, and Bloomberg. With the WSJ, read the business and finance section every day. Some articles will explain a topic quite well. Others will assume you already know the underpinnings. If you d... | [
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3817 | This is a good reminder for investors to be skeptical of M&A with respect to shareholder value creation. > S&P Global Market Intelligence Quantamental Research, a research arm of the ratings agency, has updated a study on the impact of deals on the acquiring company’s share price. The study looked at M&... | [
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3855 | You could try looking for a UK implementation of http://www.yodlee.com/ : Google tells me that http://www.lovemoney.com/ ( http://www.yodlee.com/2010_1_20.html ) is one such service. I use ANZ money manager - an Australian implementation of Yodlee and find it very useful. I wouldn't use Yodlee directly though (http://... | [
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3893 | "Welcome to Money.SE, and thank you for your service. In general, buying a house is wise if (a) the overall cost of ownership is less than the ongoing cost to rent in the area, and (b) you plan to stay in that area for some time, usually 7+ years. The VA loan is a unique opportunity and I'd recommend you make the mos... | [
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3925 | That's the tragedy. No one in industry checks what coursework you took they just assume that the BS is more quantitative and impressive. There is certainly enough variation amongst programs such that some BAs have quant heavy work and some BSs do stand for bull shit. | [
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3926 | >I appreciate the detailed responses, truthfully however I feel like at least half of your points are either just argumentative for its sake alone, display a deep lack of understanding of unions, collective bargaining, and the histories of both, or ignore pragmatism and cling to an uncompromising and ultimately self... | [
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3929 | >But you go ahead and keep saying that bribery and dishonesty pay, and i'll just never do business with you. Being morally righteous isn't going to take you far in life more so going to cripple you in terms of what you can buy. You have a smartphone right? Look up who made what in it and your bound to see Samsung... | [
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3932 | First, you are reading that document correctly, but it's not 78% of original mortgage. It is actually 78% of original home value. For example, if the home was valued at $100K when you bought it and you received a $90K loan, PMI must be removed when you owe $78K, not 78% of $90K. To make matters worse for the bank, the... | [
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3939 | Hold on a moment - you were getting 5-7.5% commission on a product that only had a 40% gross margin? That's.... amazingly high. Really. Considering that you are saying that the cost of goods sold for a typical TV is 60% (which sounds close enough to be realistic - my business is typically about 56% COGS), and then a... | [
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3940 | Nobody actually paid the ridiculous tax rates of the time. People exploited loopholes like they do now. Back then, there were more. So the actual tax rate is irrelevant, and the actual tax rate paid is important. I see this argument way too often. | [
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3957 | "People should borrow and spend less, and save more. Is this truly correct? Isn't the fundamental problem high supply and no demand? Shouldn't it be ""borrow less but spend more"" - which of course would mean getting higher wages. Am I wrong? Please to be educating." | [
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3971 | Yes but the trendy new term is plant-based diet, and I think the attraction for a vegan fast food would be to get a quick, healthy meal that is reminiscent of typical fast food. The way meat protein is consumed in the US and elsewhere is typically in conjunction with other processed ingredients. If someone figures ou... | [
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3984 | Well, the problem with putting a group of people in charge of something so substantial is that man is corruptible. The individuals in charge will change over time and eventually corrupt people will be in charge. It's inevitable. > If you were in charge, what action would you take? If I were in charge of the Fed ... | [
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3998 | Being a lawyer in London comes with a higher level of prominence and responsibility, given the prominence of the place itself in various fields, including law and justice. This distinction has made the city a veritable battleground for counsels across several courts, with the Old Bailey as the most famous of all. | [
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4003 | "Oh, so you are a HR ""professional"". Everybody knows and its a source for a lot of jokes and essays that HR people are the enemy of employees, clueless about human relations and job requirements and the main cause of low moral in many companies. And you, as an HR ""Professional"" going to give me lessons on how to ... | [
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4006 | "If you're ready to start a 529 account, it makes a big difference which state you choose (some states have excessive fees). It doesn't have to be your own state, but some states give you tax incentives to stay in-state. What you need to do is check out Clark Howard's 529 Guide and check to see if your state is in th... | [
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4028 | "I always enjoy reading the comments on these articles talking about how great Europe is compared to US. And maybe for some portion of society it is better, but there has to be a reason why so many people immigrate here. The US healthcare system is a toilet, but you get high quality care if you have good insurance or... | [
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4031 | "Even if we accept these claims as being true, neither the fact that their clients are more confident, nor the fact that people who use an investment professional have a higher net worth tells you anything about the value of the service that such professionals provide. Judging a service provider is a complex matter wh... | [
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4038 | "Two reasons: Many people make lots of financial decisions (and other kinds of decisions) without actually running any numbers to see what is best (or even possible). They just go with their gut and buy things they feel like buying, without making a thoroughgoing attempt to assess the impact on their finances. I shar... | [
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4044 | Just to offer another alternative, consider Certificates of Deposit (CDs) at an FDIC insured bank or credit union for small or short-term investments. If you don't need access to the money, as stated, and are not willing to take much risk, you could put money into a number of CDs instead of investing it in stocks, or j... | [
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4063 | You only OWN a 217-foot yacht as an investment. If you want to yacht, ~~lease~~ rent. If you own one you're going to ~~lease~~ rent it out anyway unless you intend to use it as your home and I think you're likely to get tired of that pretty soon. Otherwise you're just tying up capital stupidly. | [
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4066 | Why do people buy them when they would be cheap to make for themselves? Convenience. While you could easily find some pictures and lay them out with a sentiment, buy some card stock, print in colour, trim it, and perhaps glue on some glitter or whatnot, and then find an envelope that fits it, it's likely to take you an... | [
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4091 | Okay bad decisions, time to move on: Then move on with your life and don't fall for this kind of thing again. In the end you can probably end this with a net profit, or at worst, a small loss. You are welcome to breathe a sigh of relief. | [
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4118 | I didn't say they didn't do anything wrong. I said that criminal fraud is both difficult to prove and expensive to prosecute and therefore jail time was never a real possibility. They could have other regulatory transgressions that the government his hitting them for. Or more likely, it is just a shake down where the r... | [
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4127 | Such inequalities only exist for very short periods of time, precisely because people make money exploiting them. Read up on arbitrage. | [
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4149 | Android is kinda behind as well honestly. If you really want to be up-to-date with your phone, rooting and installing third-party utility and apps is the way to do it. But yeah, it's pretty funny to have a standard android phone that makes the current flagship iPhone look outdated. | [
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4153 | Congratulations on being in such good financial state. You have a few investment choices. If you want very low risk, you are talking bonds or CDs. With the prime rate so low, nobody is paying anything useful for very low risk investments. However, my opinion is that given your finances, you should consider taking on ... | [
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4162 | Put bluntly, if you do a couple extra lines of code, the company isn't going to notice a difference in revenue. If a salesman sells a few more RGU's, the company makes a bit more money. They are more valuable than you are. It's just that simple. | [
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4163 | "As long as it's optional and the drivers are paid as part of the fair I don't think a tip option is a big deal. Again, it has to be optional as a reward for extraordinary service not the ""tip"" in a restaurant which is actually payment for services rendered because the cost of food doesn't cover labor for waitstaff.... | [
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0.02972182258963585,
-0.0031272207852452993,
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0.007865865714848... |
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