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37582 | Does the friend fix your electrical wiring and the engine of your car? If you need a professional advice - ask a professional. In this case - an accountant (not necessarily a CPA, but at least an experienced bookkeeper). Financial Statements (official documents, that is) must be signed by a public accountant (CPA in th... | [
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37601 | Secondly, should we pay off his student loans before investing? The subsidized loans won't be gaining any interest until he graduates so I was wondering if we should just pay off the unsubsidized loans and keep the subsidized ones for the next two years? From a purely financial standpoint, if the interest you gain on y... | [
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37632 | I'm a plaintiffs attorney in Texas. I've read both sides of the issue and my conclusion is shaded by: when one side speaks, who benefits and what's their motive? Insurance companies lie and deceive and delay and deny. All day. After September 1 comes and goes, you'll hear nothing more from the insurance side because t... | [
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37635 | "any major brokerage firm will have something like this. more speculative rumors will typically not make their way to the ""news"" there, though; the news feeds are from established wires, who don't report on those things until confirmed." | [
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37636 | Rich people use debt for various reasons. The question should not assume that billionaires don't use debt. They also pay lower interest rates on that debt because they have enough collateral that their debt is safer than a typical mortgage. Many rich people will use interest only mortgages on their primary residences s... | [
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37659 | "I kind of understand the ""basics"", and have done a couple (with the assistance of pre-made excel sheets haha), I just don't feel that I'm creating an actual valuable valuation when I do one. While on the topic though, do you know where an individual investor can calculate the cost of debt for the WACC? I've been loo... | [
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37662 | Traveller's cheques. That's exactly what they were intended for. Their usage has dropped a lot since everyone can use ATMs in foreign countries, but they still exist. | [
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37679 | 1% seems to be an equally shaming understatement: Approximately 39.6% of men and women will be diagnosed with cancer at some point during their lifetimes (based on 2010-2012 data). https://www.cancer.gov/about-cancer/understanding/statistics Of course not all poor people get cancer, but when close to 40% of the tota... | [
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37694 | Do you know what you're interested in? Sounds like you're focused on debt/equities with your certifications and past experience. Do you want to stay in that field or do you want to try other finance related activities? The first I cannot comment on and the second may require a pivot of your career (and potential ear... | [
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37698 | "It's a front; a farce. It's nearly suicide for a corporation (which relies on voluntary customers) to say they're ""against"" climate change - interpret that statement how you will. So they say ""*oh yeah, environment, great stuff, we love it, pollution bad, green good - we'll reduce our CO2*"". So they find some s... | [
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37699 | > Factorys in many places are begging for help at the moment. I've heard the opposite for most actually. Sure there are some like the one in the article, but if you look around, we have too many applicants for most jobs. We have tons of illegals that take the jobs and automation. > It is something though to at... | [
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37710 | It's just odd to me these pieces that try to talk up the economy never mention the Fed has $5 trillion in Tbills and Mortgage Backed Securities and still climbing fast. Even if the economy was great now, what do you think happens when they stop buying these bonds? And what if they don't? If the FED has $15 trillion, is... | [
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37725 | "Your comment to James is telling and can help us lead you in the right direction: My work and lifestyle will be the same either way, as I said. This is all about how it goes ""on the books."" [emphasis mine] As an independent consultant myself, when I hear something like ""the work will be the same either way"", ... | [
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37727 | If you break down the math it comes out to a loss to the IRS. Does every Fortune 500 store profits over seas? How much does Comcast store? Because they pay 33% in taxes. Paying 15 comes to a loss for the IRS. These companies are not improving on anything anywhere. Record profits and yet it's not invested back anywhere ... | [
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37777 | "This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-10-03/u-s-missile-defense-gets-400-million-as-north-korea-threatens) reduced by 71%. (I'm a bot) ***** > Congressional defense committees have approved shifting more than $400 million from other accounts into missile defens... | [
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37819 | "I would recommend to draw 25000 from annuity at 10% penalty. Its important to understand that you pay the interest on credit card debt per annum. You pay the penalty on withdrawal from low-yield annuity only once! Imagine that you don't pay your credit card debt for 3 years. It explodes from 25000 to 33116 (more than ... | [
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37823 | What sort of emergency requires payment up front for which 2-3 days processing of a stock sale would pose a problem? In my case, the sudden and unexpected death of my wife. Back in 2011, my wife was struck and killed in a traffic incident. I had to immediately (not in 2 - 3 days) cover 50% of the entire costs of the fu... | [
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37847 | If all you look at is the people that can afford houses, then you're just primarily looking at banking policies -- who they will make a loan to, and on what loan terms; which are fairly consistent over time. FRED's home ownership statistic is calculated as the number of households that are owned; it makes no distincti... | [
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37851 | Fair enough, do what you want, but the issue is that the physical store is providing you with valuable services that you are taking advantage of (you get to see the shoes before you buy them, try them on, get advice from employees, etc.) without paying for. | [
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37852 | Having no debt should be the ultimate goal for every household, IMHO, but at what cost? As an example, I had some clients (before they started working with me) that had outstanding debt when they retired and were gung-ho to pay it off. They opted to take it out of their retirement accounts. They didn't set aside enou... | [
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37861 | Note that this is not my site -- I just googled it to get a web-based sha page. Personally, I just wrote a quick php script that spit out on my own web server: echo sha1('mypass'); ran it and then checked... But I agree the info above is relevant - avoid giving out any sensitive information, although just a random... | [
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37864 | "You can renounce it whenever you like, however you can't be living within that country and under the umbrella that the country provides otherwise someone is going to say ""you might claim that you are not a citizen, but your actions and physical residence would claim otherwise""..." | [
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37870 | In general it's mostly inertia: There are tons of reasons and they would vary from region to region. | [
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37880 | "This question is calling for a somewhat subjective answer. What I would recommend is liquidate now, since it is a stock fund and stocks have performed very well this year, no need to be greedy and hope that they do as well in 2014. Since it is not an enormous amount of money, put it in an interest yielding savings acc... | [
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37900 | Congratulations to you and good luck and good health with the baby. I had a friend in a similar situation, and I told him that he could do quite well by putting out the word to an upper-middle-class neighborhood that he was available to setup routers, home networks, etc. I suggested that he could start at a low enough... | [
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37909 | "netting means to combine cash inflows and outflows (e.g. debits/credits, payments/receipts, income/expense) by subtracting the sum of all outflows from the sum of all inflows, creating one transaction. For example, if you make two trades in one day with your broker - one to buy a security for $100 and one to sell it... | [
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37911 | They do not try to force sales and are not driven by them either. They truly essentially need clients to be informed enough to make their own choice and eventually to be happy with their decision. Though you visit the shop of electric bike in Canterbury you will probably be welcomed with a hearty hello from the friendl... | [
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37917 | "How is this anticompetitive? You're welcome to buy goods from someone other than Amazon, Amazon isnt colluding with other vendors to do the same, or sell at the same price... If Amazon decided tomorrow ""I dont want to carry this Disney shit"" I dont see how thats anti-competitive. Amazon has a strong negotiating po... | [
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37925 | Hello, feel free to remove this if it doesn't belong here. I am a journalist and I am looking to get more involved in tech and finance related things, so this is where I am starting. **What are some finance-related stories that you believe are not being covered in the news well enough?** | [
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37928 | "[Netflix is targeting 50% in-house content ""within the next few years.""](http://variety.com/2016/digital/news/netflix-50-percent-content-original-programming-cfo-1201865902/) It says right now it is about 1/3 of the way there which - to me - works out to about 16.5%. So maybe ""rarely"" wasn't the right word, but ... | [
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37936 | Don't worry! Once we get those for profit prisons up and running Americans will have no problem finding jobs. Just expand what counts as illegal, crack down on illegal activity, and millions upon millions of Americans will be employed. At $.50/hr. And the added bonus is that we'll be able to compete with third-world l... | [
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37940 | This might be a question better suited for r/askeconomics or just r/economics. Ben Bernanke is an excellent source on the Great Depression, however, and he's very good if you want to understand these crises from an economic point of view. | [
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37954 | Different rates. What the BoE is conducting is known as Quantitative Easing, which is a form of monetary policy avalable to central banks whenever interest rates are already too close to zero or at zero (just like in the UK). In this case, the central banks hopes to influence longer-term rates, rather than just short-t... | [
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37959 | FINRA lets you view recent trades, but as stated in the other answer bonds are illiquid and often do not trade frequently. Therefore recent trades prices are only a rough estimate of the current price that would be accepted. http://finra-markets.morningstar.com/BondCenter/Default.jsp | [
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37960 | "Well, all of the previous answers already mentioned the upcoming scam and danger situation for your financial position. I thoroughly read all answers and wanted to add a few more lines on it. Cort Ammon) already shows details of it. Any kind of financial transaction involving a complete stranger is the first big scam ... | [
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37961 | "> The article is dead on that cable is grossly overpriced. Cable isn't grossly overpriced. If it were, more people would be canceling their subscriptions, and/or the cable/fiber/dish networks would be offering discounted *à la carte* plans to steal subscribers. I would pay what I pay now to get what I watch now. ... | [
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37964 | "He's never called DJ Skrillex. The headline is using DJ for context as in ""the artist skrillex"" or ""the musician skrillex"". And judge for yourself how insightful the research seems but this does not argue in its favor one way or the other." | [
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37987 | "My experience is in economics, so it may differ from an accounting or personal finance perspective somewhat; that being said, I find it perfectly acceptable to use a term like CAGR when the rate is positive or negative. Economists talk about negative growth rates all the time, and it's universally assumed that growth ... | [
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38005 | So, they get taxpayer money and a bunch of assistance to research and make the vaccine, but then get free latitude to price it at whatever they like when much of the initial investment cost has been subsidized? **And** they get a monopoly on its sale? I am *so sure* they are going to price it fairly... | [
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38012 | "Let's separate ""rich"" from ""entrepreneurs."" Not all entrepreneurs are rich and yes, people will stop doing something with the risk/reward is too high. Expecting people's behaviors to NOT change when diminishing their rewards is ignoring the facts. Entrepreneurs that like to invent will simply do it elsewhere." | [
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38016 | "I would not concede your money to your dad IF he is really wronging you - and we need much more detail to tell. This is the first lesson in life that actually following up on ""wrong"" things will save you thousands of dollars throughout your adulthood. It is really easy to turn the other way and be out a few thousa... | [
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38038 | amen to that , too big too fail should have never even been pronounced. But again, some people are at fault, if people went to credit unions instead of banks in drove, banks would be forced to change their way at some point. Even get smaller instead of bigger to better serve the community its in...not so long ago you ... | [
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38046 | I think the issue would be that Wachovia/Wells Fargo who converted the Traditional IRA to a Roth IRA has told the IRS that you did the conversion, and so the IRS will want taxes on the money that came out of the Traditional IRA. You need to get Wells Fargo to issue a corrected 1099-R saying that it was a Roth to Roth ... | [
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38066 | telephone voip call Hello dear, i have good quality Mobile and pc dialer.We have Nine Canadian & UK dialer with highest voice. you can use all dialer in same account. if you like good quality service, please contact with us. Looking for Reseller. India mobile——–2200 mins Bangladesh Mobile–800 mins Pakistan Mobile—-... | [
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38070 | Good idea to stay only with VTI if you are 30. For 50, I recommend: 65% VTI 15% VOO 10% VXUS 10% BND | [
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38094 | "I don't work for the PO.. but i'm a client. This issue is the last straw for me with what's happened to the US and A. Read the constitution people [**Article I, Section 8, Clause 7**](http://en.wikipedia.org/wiki/Postal_Clause) of the United States Constitution, known as the Postal Clause or the Postal Power, empowe... | [
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38125 | It stopped the flood of Apple lawsuits by filing Google's pocket with a huge pile of patents. Basically created an uneasy Mutually Assured Destruction situation with regards to patent lawsuits. So, not a whole lot of direct shareholder value, but it allowed Google to stay in the market without having to constantly de... | [
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38126 | It is a necessary process to inspect the building. If you want to buy a building in future, then you should search a good experienced team, that's done professional work. As you know, today so many problems are creating. We perform by a good inspector, the Assured Building Inspections are the most and regulatory buil... | [
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38144 | In the UK we give small businesses the option not to charge sales tax and as a business owner I can see a parallel. Then I think about it from the perspective of a black, career-focused woman who happens to be put in front of a racist HR manager who thinks all women are baby factories and I realise it's not the right ... | [
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38147 | Brilliant idea, because hiding the data always works so well. What does she think is going to happen when the data is finally leaked? It will be far worse than if they had released the data with a commitment to correct the situation. | [
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38152 | "This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-07-27/libor-to-end-in-2021-as-fca-says-bank-benchmark-is-untenable-j5m5fepe) reduced by 90%. (I'm a bot) ***** > The 58-year-old Bailey said the market supporting Libor - where banks provide each other with unsecured lendin... | [
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38159 | "Taxing wealth is an easy idea, but I don't think it can ever work. Wealth is too easily hidden, transformed, or revalued. Taxing actual cash flows works because two parties have to declare it. Taxing wealth would cause huge conflicts as to how wealth is measured. That said, I'm a big fan of the idea that the estate ta... | [
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38174 | It's interesting that legacy manufacturing practices are now becoming important. How long until we see a lot of the traditional industrial control world get involved in the cannabis business? I can't wait to see Eaton and Siemens spin up their marijuana divisions. | [
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38181 | >ovarian lottery It's not a lottery. That's offensive! I am sure your mother was choosing her husband (your future father) very carefully. And so did your grandmothers, and the generations before them. You exist because there's is an entire unbroken chain of your ancestors, each carefully (hopefully) choosing the... | [
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38210 | See, now you are confusing me. Is it one day or 4 years? :P It's cool. I'm just giving you a hard time. I'll be honest, I'm scared to death that my 401k is going to tank worse than 2008. Overall, I think the trends for the stock market are positive, but there are points where it hurts. I know my dad is close to retiri... | [
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38221 | و Halal2020 توفر لعملائها منصة محلية ودية للمستهلكين لشراء الحيوانات على الانترنت وبيع والتجارة.يمكن للمستخدمين من جميع أنحاء دبي وضع الإعلانات المبوبة مجانا المتعلقة الصقور للبيع. المزيد والمزيد من الأفراد يبحثون عن الصقور في السوق كل يوم ولكنها ليست بسيطة كما كنت تعتقد أن تجد الصقور في السوق أو في الشارع. صقور للبيع ... | [
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38227 | You must file an FBAR when doing your taxes. | [
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38231 | "College courses focus mainly on theory. In the real world you'll need to learn the tools to gather and analyze the data. For the most part what is taught in college is pretty worthless. I remember my database class in business school was about ""database theory"". Is was a complete waste of time and money. Didn't lea... | [
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38249 | The reciprocity agreement in the Washington DC area means that you only pay income taxes where you live, not where you work. Because you live in Maryland you only need to pay income taxes to Maryland. You need to do the following things. Line 3. If you are not subject to Virginia withholding, check the box on this li... | [
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38259 | If Bigot Bobby's Bar refuses to serve, say Jews, NO ONE LOSES ANY NATURAL RIGHTS. No one is harmed thereby. When Bigot Bobby is FORCED to serve anyone against his will, HIS natural rights to property, privacy, and association are violated. If you don't think so, then why don't you insist on equality rules for privat... | [
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38269 | "It really depends a lot on you and how much time you are putting into it. Since you're saying you want your money to work for you I'm going to assume you want as little hassle as possible. A few general tips: Save a fixed percentage of your monthly income Don't try to save ""whenever you have money left over"", you wi... | [
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38287 | I don't believe in letting the tax tail wag the investing dog. You have a stock you no longer wish to hold for whatever reason? Sell it. But to sell a loser, hoping it doesn't rise by the time you wish to re-buy it in 30 days is folly. This effort may gain you $50 if done right. No, it's not worth it either way. | [
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38325 | ">I, for one, look forward to being able to sue the state. You don't know what investor state is. Are you [one of these 75,000 corporations](http://www.citizen.org/TAFTA-investment-map) or are you a country? If you're not, you don't exist to the FTAs. They were designed to make swift work of your ""rights""." | [
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38335 | I'd value your business at about $70k. $20k inventory, $50k in yearly sales. You have a good margin, but your growth went from 300% in 2016 to almost flat this year. What happened? How are you using the $25k in profit? | [
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38343 | "Creating a better interface is simply not difficult. For users of Windows on desktop machines, it really wouldn't be that difficult to ditch some of the screen-saving efforts that are deliberately aimed at tiny handheld devices--or at least provide options to do so. Desktop monitors are now larger/cheaper than ever-... | [
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38357 | Here are the events, trade fairs, and Expos which take place in August 2017 in Vietnam. Let's watch and keep up with the business pace. _________________________________________________________________ TRADE FAIR & EXPO* is a service package designed for companies who come to Vietnam to attend Fair and Expo to pro... | [
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38359 | I contend that there is great value in over-paying during the year and reaping a bigger refund. I'm an engineer and understand the concept interest earned, blah blah. But for most of us, this isn't reality. The reality is that we spend what we earn, plus a little more. At the end of each month, if the typical America... | [
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38377 | "While Googling answers for a similar personal dilemma I found Mvelopes. I already have a budget but was looking for a digital way for my husband and I to track our purchases so we know when we've ""used the envelope"". It's a free app." | [
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38392 | >These companies and others, including software developer GalaxE.Solutions Inc., say some complex functions, such as human-resources and software development, are better to have closer to their own operations and to respond to customers. Indian outsourcing companies are finding it tougher to get visas for workers br... | [
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38394 | In addition to the difference pointed out by Dheer (see also this Wikipedia link), another meaning is that Private Bankers are those people on the bank staff who deal with personal accounts and people who wish to deposit money in the bank, while the people who use the deposits to loan money to businesses, underwrite bo... | [
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38420 | "**Here's a sneak peek of /r/RedditCensorship using the [top posts](https://np.reddit.com/r/RedditCensorship/top/?sort=top&t=year) of the year!** \#1: [Three mods were removed by admins from The_Donald](https://np.reddit.com/r/The_Donald/comments/6c7oss/first_universities_then_the_internet_then_they/) | [269 comme... | [
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38424 | Depending on how tech savvy your client is you could potentially use bitcoin. There is some take of indian regulators stopping bitcoin exchanges, meaning it might be hard to get your money out in your local country but the lack of fees to transfer and not getting killed on the exchange rate every time has a huge impact... | [
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38427 | ">""Also, the social network is testing ways to allow those under 13, currently prohibited, to participate with parental supervision."" Which seems (from a cynical perspective anyway) to be a sign that they are potentially getting ""desperate"" to maintain the purported ""growth"" in number of users. Exactly what I... | [
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38428 | I've been thinking about this. Here's what I came up with. Please let me know what you think. 1. The whole world is on a FIAT money system. The central banks were all easing together in a coordinated way. So currencies remain relatively stable relative to each other.... Also, the price of goods isn't rising near... | [
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38438 | Keep it simple, there is a good comparison site where you plug in how much money you want to send, and it tells you what all the major providers will end up giving you in Euros on the other end. Lots of the 'free' services give you a shit exchange rate. GBP->EUR is very competitive so when you go with non-banks you can... | [
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38439 | With interest rates as low as they are, you could lock in to a very low rate for 30 years. If rates are higher in, say, 10 years, you could conceivably be earning a much higher rate on the money you're not putting towards monthly payments. All else equal, the payments will be lower on a 30y than they will be on a 10y, ... | [
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38442 | "All very true. Keep in mind that the parents of the boomers saw it all coming first and took full advantage of the opportunities. In 1972 the rent prices just plain exploded, just in time for all those 20 something boomers who were leaving home. Those rents ""bid up"" housing prices. I bought an old house in 1972, ... | [
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38448 | I learned something new, I always thought it was the camery being number selling vehicle. Why not other trucks? Why is f150 so popular by that far? Even with this kind of sales number they still needed bailout, surprised. I guess I don't know business costs. | [
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38457 | "Staying single can be a better bet for women, though, many of whom appreciate having more flexibility in terms of how to structure their personal lives than they did several decades ago. Sociology professor Pepper Schwartz writes, Women now have choices that allow them to customize the arc of their lives and some of t... | [
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38467 | What I'm seeing in US cities now reminds me of Europe: wealthier people living in walkable city neighborhoods, forcing the poor out to the 'burbs. The one, big catch is schools. In the US, urban living for families with kids often means a choice between bad schools or costly private schools, while some suburban publi... | [
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38473 | 2 very viable options. Real Estate is cheap now and if you hold a few properties for the long term the price should rise. You can use them as rental properties to supplement your income. In addition agriculture is also very viable. How else you gunna feed 7 billion? Might as well cash in on that. | [
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38478 | I have a Albertan corporation and my accountant set up my shares and options for free. 1. Get a NUANS repot. 2. Go to a registry office and get the incorporation paperwork 3. Get an accountant to help you fill out that paperwork for free (they assume you will do your accounting with them after the fact) 4. Go back t... | [
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38489 | "An opinion piece, written to read like a factual article. My opinion is, a bigger phone would, to me, be far better. I have no problem fitting a Galaxy Note 3 into my pocket, and, while I had to learn a modified grip style, had no trouble reaching every corner of that whole screen with my thumb. I remember, back in 1... | [
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38510 | 1) Don't trade individual stocks. You expose yourself to unnecessary risk. 2) Pick a fund with low expenses that pays a dividend. Reinvest the dividend back into the fund. To quote Einstein: The greatest power on earth is compound interest. Something is wrong with the software of the site. It will not allow me to ans... | [
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38512 | "0% is too low, 100% is too high. There is some optimal number between the two where we get good economic growth without being overly punishing to billionaires (unless you want to just take everything from them and are pro-dictatorship and are ok with both Obama and Trump deciding what to do with 100% of your money). I... | [
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38516 | One Shot Films is a production house of high repute. Professionals don’t just create videos here; they create everlasting impressions. Their short videos and corporate films help to create brand images, showcase work cultures, and bring a business into the spotlight. Interested in taking one shot of your business? Cont... | [
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38519 | Makes me wonder why childcare never really fell in price while everything else did. We should all be living like the british in the 1700s sending kids off to boarding schools and having nannys so we never have to see them until they're adults. | [
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38532 | "Your contribution limit to a 401(k) is $18,000. Your employer is allowed to contribute to your 401(k), usually a ""matching contribution"". That matching contribution comes from your employer, so is not subject to your personal contribution limit. A contribution to a regular 401(k) is typically made with pre-tax mon... | [
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38536 | Got it. I can definitely see how it can come across that way especially with all of these big tech companies lining up against the proposal. My understanding is that a lot of that is more driven by their size than anything else; the media focuses on the impacts to Amazon and Facebook because they're huge companies and ... | [
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38545 | "Yes, Interactive Brokers is a good source for live data feeds and they have an API which is used to programmatically access the feeds, you will have to pay for data feeds from the individual data sources though. The stock exchanges have a very high price for their data and this has stifled innovation in the financial... | [
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38547 | > or their ability to purchase more or if you own a business you need the fire service to protect your business operating during/after a crisis as well as your home. Then I'll pay for those services as I use them. Not before. >except its much cheaper for everyone if it is all bound up together, and provided by... | [
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38560 | You're really confused. You need to go back to finance 101 about the concept of corporation and shareholders This is too much to take apart (i.e.: contribution is not a loan, and can't be called. Shareholders are not partners......). Sorry bro, not trying to burst your bubble, but any academic business finance 101 ... | [
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38571 | "The answer probably varies with local law, and you haven't said where you're located. In most or all US states, it appears that after some statutory length of time, the bank would transfer the money to the state government, where it would be held indefinitely as ""unclaimed property"" in the name of the recipient (tec... | [
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38585 | This is something better asking a licensed professional (EA/CPA licensed in the US) who's also familiar with your home country tax law and the tax treaty your home country has with the US. Assuming no tax treaty and adverse tax consequences at home, you can have this scenario: The last step is critical - unless there's... | [
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38586 | What you want is the distribution yield, which is 2.65. You can see the yield on FT as well, which is listed as 2.64. The difference between the 2 values is likely to be due to different dates of updates. http://funds.ft.com/uk/Tearsheet/Summary?s=CORP:LSE:USD | [
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38587 | Just because it's made in China doesn't mean it's garbage. Their hand tools have won multiple awards in the past several years and they have an unlimited lifetime warranty. If something breaks all you have to do is head over to the closest Kmart or sears and they'll replace it on the spot. You don't have to deal with s... | [
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38611 | "There are different approaches, but here is what we do and what I recommend. Now that you are officially a married couple, open a joint bank account, and eliminate your individual accounts. There are several reasons for this. Having a joint account promotes unity and teamwork. When you only have a joint account, yo... | [
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38624 | The missing money is not money that was invested in MF Global Holdings Ltd. for an ownership share of that company, but money in accounts for which that company was responsible. And yes, if you take money from customer accounts and use it as if it's your own, then as I understand it you are guilty of a crime. | [
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38628 | I don't think this is a French thing. It's like this everywhere. Banks always want people to open accounts of every type. A person with a checking account should be easy to sell on a savings account at the same institution. Given that it does not appear that they will have any chance to recover the money they spend ... | [
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38637 | "First and foremost you must remember that they are people (something I don't think you have trouble with, but others might). When dealing with increasingly desperate financial struggles, it's not uncommon to allow financial trouble to define you, or for others to see you only as ""poor"". Money is a human creation. It... | [
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-0.... |
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