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38640
"The writer's ""you didn't build that"" rhetoric isn't necessary. Burger King has paid it's share of taxes that finance roads, copyright laws, and meat inspectors. If BK owes the USA for its success, then the other side of that argument is that all the millions of restaurants that failed should blame the USA."
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38651
Well, the revenue of his restaurants in [2015](https://www.forbes.com/sites/abrambrown/2015/06/29/the-chef-that-ate-the-world-how-gordon-ramsay-earned-60-million-last-year/#28883a774e2f) was about $150m. Restaurants usually have margins in the 5-20% range. His are high end, so call it 20%. A 1% increase in costs wou...
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38655
"You will have to check SEC forms to know this in full. A publicly-traded company will have an amount of publicly tradable shares which can be easily found on their financial reports. But. that is not the only type of equity-like financial instrument that such a company can issue. A previous reply mentions ""follow-on"...
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38690
"Yes they care about you having no health care, about your student loans, about their donations and outgoing favours and of course they care about you just enough for you to vote for them, so they say ""let's build a grand slam society"". Then idiots like you say ""wow this person is great!"" Representatives should al...
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38698
Removing emotions from decision making is autistic. Imo people fail to be a fit because most people have empathy and emotions. You want a bunch of computers to run your shit fine, but to acknowledge their behavior is anything short of being on the spectrum is naive
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38704
How is adding loss leaders going to crush wall mart or Kroger? Okay people come in and buy the new marked down items. Then what? They are going to quickly realize how expensive everything else is and never shop there or just shop there for the loss leaders. To me this hardly seems like a plan that will crush other ...
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38707
I'm a 911 paramedic that brings in patients to ERs all the time. I've never brought a patient to an ER that wasn't staffed by an adequate number of doctors. trauma centers are held to an even higher standard. The hospital group has too much to lose if they lose that trauma 1 or trauma 2 rating. They will always mainta...
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38711
Fidelity has a good explanation of Restricted Stock Awards: For grants that pay in actual shares, the employee’s tax holding period begins at the time of vesting, and the employee’s tax basis is equal to the amount paid for the stock plus the amount included as ordinary compensation income. Upon a later sale of the sha...
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38712
"The first red-flag here is that an appraisal was not performed on an as-is basis - and if it could not be done, you should be told why. Getting an appraisal on an after-improvement basis only makes sense if you are proposing to perform such improvements and want that factored in as a basis of the loan. It seems very b...
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38720
A search quickly led to http://www.cardfellow.com/blog/debit-card-credit-card-difference-charges/ which shows the difference in merchant fees charged. A $200 charge costs $3.50-$3.60, a debit charge, $2.34-$2.39 but a PIN Debit, $1.87. The debit cards are a full percent less cost to the merchant, so the money collected...
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38726
"I hope people don’t see this as being facetious but invest some time in learning to do that with Excel. Most financial information websites (Yahoo, MSN, etc.) will allow you to extract all the data you need into excel. This way you can learn to do analysis with something that isn’t a ""black box"" (as to mean you don’...
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38747
I have USAA and the home loan process was a nightmare. My account was also compromised but I caught it immediately because they sent me an alert of a large sum of money being transferred to my checking account, so there is that. I just found out that Navy Federal finally accepts Army veterans (it hadn't up until a co...
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38749
LC WebPros is the web development company and the internet marketing company in the United states. We provide the Website development Projects and logo design service in the world. If you want to the new website for your business and its marketing service, then you can contact us. We offer professional Web Development ...
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38752
I think he meant Oxford University in the UK, but he's wrong. You can still pursue a career in Investment Banking even if you do not go to the aforementioned Ivy Leagues. As long as the university you are at is well-respected and you have few summer internships and leadership activities under your belt, it is possibl...
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38760
Nowadays, Social networking websites are a great place to promote business, specifically for new and medium size business. Some good social network websites provide excellent resources such as Facebook, MySpace, Twitter, LinkedIn, YouTube, LiveJournal, Wordpress, Blogger and more. You can increase your business with ...
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38782
Homes for Sale NJ --Where do you want to be? Let Re/Max help you find your forever home, or your very first home. Our expert realtors will guide you through the home buying process, home loan process, and help you choose a home that is right for you.
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38786
The main benefit of paying off the loan early is that it's not on your mind, you don't have to worry about missing a payment and incurring the full interest due at that point. Your loan may not be set up that way, but most 0% interest loans are set up so that there is interest that's accruing, but you don't pay it so l...
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38808
I do not know for sure so do not quote me on this. But I would assume that you will get paid out to what the value of the buyout is. Example if your company has 100 private shares and you own 1 share (1%), and the company sells for $1,000,000. Your share will be worth 1% of the $1 million.
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38860
Most delivery drivers do that in my experience. They drop off the package and ring the doorbell to let you know it's there. No point in waiting if a signature isn't needed. I think it's fine. I'm more annoyed by the ones that just leave the package and don't ring the bell.
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38863
You won't be able to know the trading activity in a timely, actionable method in most cases. The exception is if the investor (individual, fund, holding company, non-profit foundation, etc) is a large shareholder of a specific company and therefore required to file their intentions to buy or sell with the SEC. The thre...
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38868
A quick Excel calculation tells me that, if you are earning a guaranteed post-tax return of 12% in a liquid investment, then it doesn't matter which one you pick. According to the following Excel formula: You would be able to invest ₹2,124 now at 12% interest, and you could withdraw ₹100 every month for 24 months. Whi...
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38878
"I was simply giving my opinion. I have had 2 jobs and going into an internship. Again, ""I strongly believe"" means that I have a subjective statement to make. I research tech and biotech companies. It's not a secret that coding, programming, and system data are going to be growing over the 100 years. As more and mo...
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38882
Really? Tell me why then Microsoft runs it's own bus service? Tell me why Microsoft contributed HEAVILY for the 40th St exit on 520 - shouldn't traffic be the state/municipalities problem? Infrastructure when heavily leveraged by a major corporation becomes the corporation's problem. The corporation has to exist wi...
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38893
I had great difficulty buying my $17,000 truck for cash. One TD Canada Trust branch only let me have $5,000, the other branch down the street only $3,000. They both said they were low on cash. They kept trying to convince me to use a bank draft, but I didn't have a name or total amount as I was still shopping around...
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38906
Some banks would allow you to export your transactions as CSV (they call it Excel export, but in many cases it's actually just CSV). However, I would not expect any bank to bother with creating anything like command-line access - return on such investment would be too low. There are other ways to get information out o...
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38910
"Lol. I once had to listen to someone who tried to convince me that I could gain 6% a year, risk free by investing in the financial institution he represented, while pitching something pre formatted he obviously didn't understand. Because of that and the sort of ""cult vibe"" I got from them I never returned. But my ba...
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38914
I agree, but that's only a small fraction. You could even argue that the money that is not being paid in taxes isn't necessarily a bad thing as it's funneled back to investors, which also includes the common person that is saving for their retirement, which will also get taxed. Of course that's only for public companie...
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38918
Is there anywhere I can get further information? I ask because I'm thinking about an alternative theory of money where companies can issue bonds as currency, and we can have coexisting monetary policies. These relate to what i'm saying: http://www.reddit.com/r/finance/comments/utf5u/where_has_all_the_money_in_the_wor...
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38931
Amazon uses their AWS profits to subsidize all their other businesses. They can afford to sell groceries at a loss until most of the competition goes out of business. It's good for consumers in the short term, but I wouldn't say it's capitalism working as intended. Unprofitable businesses are supposed to fold, not be p...
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38937
the mother chose that sperm bank. the same applies to animals. unless you have been adopted though some agency, you could only have those two parents (and grandparents, and so on). you are standing on the peak of a giant pyramid of generations, with each making a choice to produce and then feed/educate/etc. their off...
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38938
"I would aim for 10% or less, because I believe 30% is where you start to get dinged on your credit score. No one will know for sure, as there are many models, but 30% is brought up by radio host Clark Howard pretty often. Close annual fee cards or one store only cards. Normally I would suggest ""leap-frogging"" your...
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38953
>Sounds like bullshit. Silicon Valley is largely research and development, not manufacturing. Saying that you'll replicate the success of software engineers earning $120k a year by bringing in more $50k a year manufacturing jobs is misleading at best. Today it is largely research and development but a few decades ...
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38963
Our Website : http://alldaycarrentals.com.au/ There are several points to consider when choosing a business contract hire car. The main one is which company you will deal with. There are many companies offering business contract Cairns Car Hire, so it is important to find the best one to deal with. Just check online an...
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38983
"This is the best tl;dr I could make, [original](http://www.reuters.com/article/us-usa-fed-policy-idUSKBN1A80XA) reduced by 87%. (I'm a bot) ***** > The Fed led the way in tightening monetary policy as the global economy recovered from the 2008 recession but must now determine how plans by other central banks&#0...
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38990
Additionally my understanding is that a Faster Payment is as good as cash once received. Yes it is but there is a caveat. Read on unauthorized payments on Faster Payments website. Either the sender is fraudulently claiming this was unauthorised, or their bank doesn't have adequate security standards - why is it me who ...
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39001
"> Censorship is the suppression of speech or other public communication which may be considered objectionable, harmful, sensitive, or inconvenient as determined by a government, media outlet, or other controlling body. suppression of posts from ""spammy cheater"" websites? Totally counts as censorship. Yes, they ...
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39004
The Dutch Financial Times published an article about how intangible assets are the most important value-determining factor of an organization, however investments, innovation and attention to these assets lack. This is contradicting but shows the challenge as well, because more than 75 percent of the average market val...
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39006
"For some people, it's easier to stick to a budget if they have separate checking and savings accounts because they can deposit funds directly into their savings account and not have those funds accessible by debit/credit card, checks, etc. This allows people to pay themselves first and accumulate savings, while making...
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39016
None of those things sounded like concessions. I suspect, if you negotiated health care in terms of percentage of the cost instead of in raw dollars deducted, it'd actually come out that the company was taking a hit since the last contract. (I have no numbers to back this up, it's just that health care costs have been ...
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39024
Hm. The largest ad network in the world, whom has a natural monopoly on the search market and the largest web browser by market share, is talking about blocking competitors' ads. That doesn't smell like an antitrust issue at all... /s
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39041
Create, market and perform seminars advising others how to get rich from the Chinese Real-Estate Bubble. Much more likely to be profitable; and you can do it from the comfort of your own country, without currency conversions.
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39047
When banks operate under the FEDs cover of darkness and take tax payers dollars to grant bonuses to their employees and crash the US economy. If government can't control the criminals on Wall Street, then it is time for 99% to carry out some vigilante justice against. The day is coming. What else don't you understa...
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39053
Refer to your T20 match - in India they have the IPL - Indian Premier League - which is basically like the NBA of cricket.... each major city has their own team and they play these 20/20 matches. A popular celebrity or business celebrity owns a team. They have players from all over the world that join these teams.
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39057
"Please note, if you enter your password into a 3rd party website -- there's always the chance that the third party website is recording your passwords. Personally I've looked at the raw html and included javascript on this page, and(1) it looks like it's purely client side in your browser. However I have not examine...
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39062
"> may or may not pan out based on factors which are completely not in your control, That's it in a nutshell, right there. I don't get fowleryo's hubris that we can somehow always master our own destiny, if only we're alert and take proper advantage. ""Shit happens"" isn't just a trite cliche. For a lot of thing...
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39071
If you are working for a small company, the expense ratios on the funds in the 401k account are likely much higher than you can get with a similar IRA. Depending on your income, whether you are married and want to contribute to a spouse's IRA, your limit on what can be contributed to an IRA may vary, but the compelling...
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39074
Highlands mortgage is one such financial advisory form that provide mod gauges and refinancing at lowest possible rates. Highlands mortgage provides best mortgage rates in Delaware. Highlands mortgage provides various financial assistance such as refinancing consolidation of debt and providing loan for various necessit...
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39097
https://www.onlinesbi.com/nri/accounts_deposits/sbinri_ad_nro.html attached a link from India's premier bank SBI, confirming that you can move your regular saving account money, to NRO
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39099
>and no officer should be making <$40k. I think its important to note that we should be hiring people that deserve more than $40k to be our police. many of the thugs with badges on the streets today dont deserve a cent more than minimum wage.
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39102
EVERYTHING is built on oppositional forces, and a kind of competition. Otherwise the word wouldn’t exist. Capitalism gets better the more healthy competition there is. Competition that stomps all other competitors to the ground is not healthy for Capitalism or society.
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39108
Where do you live? I have not seen a single instance where renting is cheaper per month then purchasing a home. You are obviously doing well, so I'm not questioning the logistics just curious. $200,000 home or less is roughly $1,300 - $1,500 a month with everything included (property taxes, etc), based on when I was ...
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39115
"Do you recall where you read that 25% is considered very good? I graduated college in 1984 so that's when my own 'investing life' really began. Of the 29 years, 9 of them showed 25% to be not quite so good. 2013 32.42, 2009 27.11, 2003 28.72, 1998 28.73, 1997 33.67, 1995 38.02, 1991 3...
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39125
"Form W-9 (officially, the ""Request for Taxpayer Identification Number and Certification"") is used in the United States income tax system by a third party who must file an information return with the Internal Revenue Service (IRS). It requests the name, address, and taxpayer identification information of a taxpayer (...
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39128
> They can move over to getting ketchup packets and bringing out orders. Also helping people with the kiosks. If they can even hire them to do that. I work in ag and there are so many restrictions these days, we don't hire anyone under 18 to do anything for any reason. Even chop weeds. Which used to be summer jobs ...
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39149
"Yes, that's true. Excerpt from ""The Warren Buffett Way"": ""In November 2000, Warren Buffett and Berkshire Hathaway paid about $1 billion for Benjamin Moore & Co., the Mercedes of paint companies. Founded in 1883 by the Moore brothers in their Brooklyn basement, Benjamin Moore today is fifth largest paint manufa...
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39151
At one point you could log into your HSBC account from the command line, but gosh, I've never heard of a bank that has a command line interface!
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39170
Abso-fucking-lutely not. And the idea that vegetarian or low fat items make them healthier should be called into question as well. There's nothing inherently healthier about eating vegetarian, except vegetarians tend to make more mindful food choices and live healthier lifestyles in other respects. But I've known very ...
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39183
Today the most exciting and innovative way to generate massive leads for your business is through inbound marketing.The inbound marketing’s main aim is to generate leads via the website. Integrating SEO into your web design is a very important part of Marketing And Web Design. Be sure, your web design SEO Company makes...
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39185
The Level 2 data is simply showing the depth of the market. If I am trading shares with my broker I have the option of viewing only the top 10 bid/ask prices in the depth or all of the data (which sometimes can be a very long list). With another broker I get the top ten bid and ask prices and how many orders are availa...
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39194
Ask any smoker that has used the bubbler at smoke shop st Pete and they will tell you that it is a far more pleasant experience than glass pipelines. In terms of size, they fill up the gap between large glass pipes and the smaller bones. It was exactly this demand that caused its development. Just like a bong, you coul...
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39211
>Capitalism ~~sets~~ influences prices for perceived value. FTFY The dismal science? I don’t know what you are talking about. Wikipedia says it was coined by a Victorian age historian. So I’m recreating what you perceive as the dismal science? From the sound of back t, it is something you disagree with. But I...
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39223
It's a good idea to have some emergency money so I would propose a plan that keeps some in your savings: If the 0% goes away, then consider paying it off, but by that time hopefully you have built up your savings a bit more. Also consider the ability to move the balance from the 2% cards to the 0% one, if that is poss...
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39247
James Roth provides a partial solution good for stock picking but let's speed up process a bit, already calculated historical standard deviations: Ibbotson, very good collection of research papers here, examples below Books
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39258
They should choose Minneapolis, although I don’t see it on the list. It is an amazing and underrated city. It is also reasonably close to Iowa where server farms are likely to start popping up like crazy; due to the availability of renewable energy and limited exposure to natural disasters.
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39260
"It's all about what you value personally. I'm mid-30s and drive a $40K ""luxury"" sports car. I also happen to wear a $6K wristwatch every day. I purchased both of these items because I thought they were beautiful when I saw them. On the flip side, because I spent 6 years living below the poverty line, I instinctive...
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39263
The best way is to retain the charge slips. After you are done for the month you can discard them. Alternatively if you are using any of the personal finance tool or a simple XLS to track exepnses, it would be easy to figure out what you actually spent and what was not yours.
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39265
In addition to the higher risk as pointed out by @JamesRoth, you also need to consider that there are regulations against 'naked shorting' so you generally need to either own the security, or have someone that is willing to 'loan' the security to you in order to sell short. If you own a stock you are shorting, the IRS...
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39268
Since I have been banned at /r/aviation for desk-thumping the severe Trump criticism of Boeing (whose construction of Trump's overpriced Boeing Presidential aircraft was faulty and subject of a recall) I cannot post at censorship-happy, headchoppers'-haven r/aviation this notice that Russia has arrived in the AirBus/Bo...
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39289
As far as I can tell, the direct deposit option would require you to have a US bank account, which you don't have. So wire transfer is your only option unless you can ask them to try something else, like one of the cheaper money transfer services around. The charges for wire transfers tend to be fairly significant (typ...
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39303
"In case other people arrive at this page wondering whether they should enable automatic reinvestment of dividends and capital gains for taxable (non-retirement) accounts (which is what I was searching for when I first arrived on this page): You might want to review https://www.bogleheads.org/wiki/Reinvesting_dividends...
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39323
Considered that in Italy even no-profit hospitals are not tax exempt, I also see no reason to exempt *any* property of the Church. However, it is not so easy. In a historical and legal perspective, keep in mind that in Italy the Roman Catholic Church is not an entity like the others. [Treaties](http://en.wikipedia.org...
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39345
Good questions. I can only add that it may be valuable if the company is bought, they may buy the options. Happened to me in previous company.
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39366
Good on 'em! I recently swapped out my old Galaxy S5 for a new LG, and I have to say that the Galaxy's reputation as an industry leader is well-deserved. The LG does a lot of things better than my old Galaxy, but it has many more design flaws and stupid bullshits and in general, I preferred the Galaxy, me not being m...
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39369
"> And moreover there is no way that Sculley would have known about Sony's patent application until after it was issued (which I believe was in circa 1970, by which time Sculley would have been 30+ years old). Why would he have had to have known about Sony's patent application. He explicitly stated he *didn't* know...
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39376
Kudos to you on having money in a retirement account as early as after college. Many people don't start investing towards retirement until far to late and compound interest makes a major difference in those early years. Ideally, neither withdraw nor borrow from these accounts. Withdrawing from your 403b will incur a ...
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39393
A hematology analyzer is very useful as doctors have used routine blood testing to monitor every type of health condition, from hormone levels to glucose and various vitamin deficiencies. And it comes as no surprise that as awareness level amongst the masses rises; a growing fraction of the general population is making...
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39398
"Now, how many seats was JetBlue actually able to sell at that price? They sold out every flight almost immediately after announcing this. Everyone is shitting on American for charging >1K for ticket prices. These are full fares that are normally sold less than 1% of the time. Optimally, airlines never seek 100% o...
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39402
It definitely depends on your risk appetite as Joe Taxpayer pointed out in his answer. Covered calls are a good choice for someone who already own's the stock, because the premium collected reduces the cost basis for the position. The downside is that if the calls are exercised, there is a good chance that you are miss...
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39407
Do all/most unit trusts have equalisation policy? It is really that some value of the fund is given to the investor, so the fund value goes down by that much per unit. It depends on the type of mutual funds. For example, there are growth type mutual funds that do not give any dividend and the total value of the fund is...
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39413
By exploiting institutional investors, HFT does hurt small investors. People with pension, mutual, and index funds get smaller returns. Endowment funds are also going to get hurt which hurts hospitals, schools, charities, and other institutions that work for the public good. I agree with you though. At this point we w...
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39436
"The most fundamental answer is that when you short a stock (or an ETF), you short a specific number of shares on a specific day, and you probably don't adjust this much as the price wobbles goes up and down. But an inverse fund is not tied to a specific start date, like your own transaction is. It adjusts on an ongoi...
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39454
"As trane_0 suggested above, I am not questioning the validity of the study by Kenichi Ueda and Beatrice Weder Di Mauro. I don't doubt that there is some discount to the risk premium demanded in the market for the debt of systemically important banks. What I am doubting is that this is a ""subsidy"" by the US governm...
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39478
A lot of people use dividend stocks as a regular income, which is why dividend stocks are often associated with retirement. If your goal is growth and you're reinvesting capital gains and dividends then investing growth stocks or dividend stocks should have the same effect. The only difference would be if you are manua...
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39481
"Unfortunately, where I live, minimum wage is what is available to High School graduates. We have an abundance of minimum wage jobs looking to hire, and no docks, and few greater than minimum wage jobs for people right out of High School. And minimum wage isn't enough to support a person here. I think school costs h...
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39495
Ben already covered most of this in his answer, but I want to emphasize the most important part of getting a loan with limited credit history. Go into a credit union or community bank and talk to the loan officer there in person. Ask for recommendations on how much they would lend based on your income to get the best i...
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39503
"I think that pattern is impossible, since the attempt to apply the second half would seem to prevent executing the first. Could you rewrite that as ""After the stock rises to $X, start watching for a drop of $Y from peak price; if/when that happens, sell."" Or does that not do what you want? (I'm not going to comment ...
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39518
Who says that both parents have to work? Also, why would you include that as an opportunity cost when a parent staying home can and often does save money from work clothes, lunches out, extra gas, car insurance for a second car, not to mention paying for and repairing a second car. In the end, when I did my analysis ...
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39526
I'll be honest the Dorito loco tacos are a guilty pleasure of mine even though I have NO idea what's in them but their loaded chicken grillers are pretty solid. Get them with no sour cream and hot sauce between 2 and 5 O clock for a buck and you have a budget lunch that's hard to beat.
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39528
> Most would prefer to go to the toy store so their children can try the bicycle or riding car and choose the one they like. Precisely why brick and mortar stores are going out of business. Hard for them to stay in business when people use them as Amazon's showroom floor to try stuff out before they ultimately buy...
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39530
I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit: - [/r/talkbusiness] [As tech companies get richer, is it 'game over' for startups?](https://np.reddit.com/r/talkbusiness/comments/781asx/as_tech_companies_get_richer_is_it_game_over_for/) [](#footer)*^(If you follow any of th...
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39532
Just set up a budget. Indicate how much money comes in, how much goes out to must pay expenses (lodging, food, gas, heat, cooling, etc), and determine how much is leftover for anything else you want. If that amount is ok, then you're fine. If not, something needs adjusting.
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39561
Bitcoin isn't exactly backed by any substantial economic factors, like a good, skill, etc., and people are less familiar with it than a bond. The idea of currency existing as debt has been with humankind for thousands of years, and we've just forgotten, so I thought using the bond equivalent wold refresh that thought ...
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39563
I grew up building gamers from scratch (~1992) and working IRQ, ports, managing conventional memory with those damn boot disks. Then the sound card fiascos. Now that I'm 34 and not into gaming so much, once my PC dies that's the end of my relationship with MS. It was a fun 22 years and boy did I learn a lot! But tha...
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39564
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39566
If you look at history, it shows that the more people predict corrections the less was the chance they came. That doesn't prove it stays so, though. 2017 is not any different than other years in the future: Independent of this, with less than ten years remaining until you need to draw from your money, it is a good idea...
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39569
"There's nothing to rebalance, the index fund rebalances itself to continue matching the index. However, you need to understand that such an investment is not diversified and you only invest in a very specific market, and very specific stocks on that market. S&P 500 is large (500 different companies, most of the time),...
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39585
"Discussions around expected values and risk premiums are very useful, but there's another thing to consider: cash flow. Some individuals have high value assets that are vital to them, such as transportation or housing. The cost of replacing these assets is prohibitive to them: their cashflow means that their rate of...
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39588
Are you searching out a digital advertising company in the Dubai, At search engine marketing-daddy, Digital Marketing With workplaces in Dubai and Saudi Arabia, we put in force fine practices for clients who are prepared to digital marketing startups elements into their business techniques. This takes place due to dish...
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39589
I haven't really dug into this story. Did he release a public memo, or did he write an internal memo that someone else released? To me, that's a big difference. Anyone should be allowed to voice their concerns and get a fair hearing, and an organization that fires anyone who questions their policies is toxic. The w...
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39620
This creates high levels of efficiency, but is efficiency really what we need? A robot is very efficient, and increases income, but for who? When a corporation absorbs another, it does so *with the expectation* that redundant jobs will be shed, and that the income from those jobs will go to the shareholders. And so ...
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