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4167 | "I am not aware of any place that the tax forms ask, ""How many people live in your house?"" They ask how many dependants you have, and not everyone who lives in your house is your dependant. There are very specific rules about that. If your girlfriend is being claimed as a dependent on her parents' tax return, then sh... | [
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4168 | "For ""smaller trades"", I'm not sure you can beat FXCM.com, a large, dedicated FX trading shop with extremely tight spreads, and a ""Micro"" account that you can open for as little as $25(US). Their ""main"" offering has a minimum account size of $2k (US), but recommends an account size of $10k or more. But they also... | [
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4171 | "It has semantic value (because we culturally believe gold is valuable). There is a very important point here. Gold and many other coin metals. This ""semantic value"" is enshrined in law through the special tax status of coin metals. You can buy a kilo of gold and not pay sales tax. You can't buy a kilo of iron or... | [
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4180 | "I don't understand the worker mentality of accepting to be part of pension plans. The downside risk to you is ridiculously high -- you're basically making an investment that the next 30 years of corporate management and the company as a whole are going to be good. Pension plans are among the first to go.. employees th... | [
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4181 | "As other responders said, you can certainly roll over multiple 401(k) into a single account. An added benefit of such rollover (besides the ease of tracking) is that you can shop around for your Rollover IRA provider and find the one that gives you the specific mutual funds that you want to invest in, the lowest expen... | [
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4188 | "You will make a profit in nominal dollars (or nominal units of whatever currency you used to buy the token). Whether you'll make a profit in real dollars depends on inflation, and in practice whether it would be possible to sell your existing tokens to someone else for the new price. Suppose when the price was 50 U (... | [
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4208 | Raising money from real property is an ancient tradition which is prevalent throughout the world even today. Delaware, situated in the north- eastern region of USA is no exception to this. Delaware has a lot of good mortgage lenders and the one firm that tops the list is definitely highlands mortgage. They not only tel... | [
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4223 | If the biggest flaw in the review is that one of the characters is probably made up and the book should therefore be considered fiction instead of nonfiction, then this is an incomplete review. The author points out many good items about the book and the only negative he states is the nonexistence of a character, and t... | [
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4239 | They did. This was a tech company. Turnover's high especially for strong employees. Management expects this so that doesn't really change their approach. One of the layoffs was open ended. They just announced there would be layoffs throughout the company. Usually there was a single day when everyone was cut. Thi... | [
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4241 | Inspectors, permits, poor planning, and a lack of incentives/consequences. If inspectors are needed for so much bs, local government needs to hire more of them. Permits need to be processed in a timely manner. Engineers and committees need to make decisions quicker. Liquidated damages for missing completion dat... | [
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4247 | This is the exact reason why I think we will have self driving cars really soon. I would love to just surf the internet on my way to work and not have to drive. Of course I only work 6 blocks away, but I know many people have a 30+ minute commute. | [
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4269 | It's safe to say that for mature companies, with profits that have been steady, and steadily growing, that a multiple of earnings can come into play. It's not identical between companies or even industries, but for consumer staples, for instance, you'll see a clustering around a certain P/E. On the other hand, there a... | [
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4290 | P/E is the number of years it would take for the company to earn its share price. You take share price divided by annual earnings per share. You can take the current reported quarterly earnings per share times 4, you can take the sum of the past four actual quarters earnings per share or you can take some projected e... | [
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4296 | I tried Aldi the other day...hated it. Very little brand selection (everything is Aldi-owned brands) and meat prices were about the same as Kroger's. I bought the Aldi-owned brands of foods I normally get at Walmart/Kroger and was not happy with the tastes of many of them. I much prefer the branded options at Walmar... | [
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4312 | Your point is that 20k is very common as bonus *at what level*? With ~6 or more years experience at Accenture it's also a common bonus, just not at entry-level. The data on glassdoor.com for Accenture partners is all over the place, see: http://www.glassdoor.com/Salary/Accenture-Salaries-E4138.htm?sort.sortType=BP&am... | [
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4331 | Typically tax treaties will cover double taxation (taxes paid in one jurisdiction are deducted in the other jurisdiction so there is no double tax). You'll need an accountant and attorney with experience in international business setups to confirm and determine which jurisdiction gets first priority of tax payment. In... | [
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4340 | Contact AmEx. They are the only ones who might have a current list. | [
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4375 | "From the Cato Institute: > Article 1, Section 8 of the Constitution says that Congress shall have the power ""to establish Post Offices and post Roads."" Thus, the Constitution allows the government to get involved in postal services, but that doesn’t mean that the government has to be involved, let alone be grant... | [
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4379 | Yeah, the Ford F-150 has been the top selling vehicle for over 30 years. Fun fact, farmers who receive money from the government usually burn excess cash in December. A lot of them just replace their fleets each year. | [
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4392 | Italy on its own cannot decide to turn to money printing, only the European Central Bank (ECB) can make this decision. I'm assuming that the ECB will not turn to printing money for this. Italy will have to get the 5 Billion euros from its own budget somewhere, but the amount is low enough that they should be able to do... | [
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4397 | "For a lot of small beef farmers (""hobby"" farms like ours) the price of fertilizer is already high enough that it's proving effective in maintaining or possibly reducing costs. The most successful examples I've seen have equal or higher carrying capacity (cattle per acre) for less monetary cost by moving to ""older"... | [
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4404 | I love when my professors would shit on greedy bankers during the housing market crash. One time, I made analogy of greedy banks to greedy education and the next bubble to pop which will crash the economy will be because of education costs and my professor flipped out! He told me college was a great investment and when... | [
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4412 | If you can pay it then there's no need to involve a credit counselor. After all, their main role when you use them is to negotiate payments with creditors so you can pay off your debts. In this case you have the funds to pay, so why make it any more complicated than it needs to be? To be honest, a 597 score is going ... | [
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4414 | For example, the apartment complex could’ve relied on a water source heat pump system which can provide both warm and cool air at the same time. As the name implies, this system relies on water held between 60 to 90°F, which is then pumped throughout the complex and into individual compressor units in each room. | [
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4416 | There is no answer to Global warming, unless you would like to quadruple energy prices, abolish air travel and international shipping. Obama's EPA estimates 700 trillion dollars to lower earth's temp one degree. Good thing global warming is a tax hoax. The only thing to fear about global warming is it's remedies, which... | [
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4429 | This is a purely numerical statement that you should be able to check (and you CPA friend should be able to prove, if true). The general advice, I think, is that you should not use your retirement funds this way, but general advice does not apply equally well to everyone. You didn't give enough information for us to... | [
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4444 | "I'd answer it this way: What do you want to do? I'd say any amount is acceptable from as low as $100. When you look at the specific ""tree"" of investing paying $5 for a $100 seems unacceptable. However when observing the ""forest"" what does it matter if you ""waste"" $5 on a commission? Your friends (and maybe y... | [
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4451 | "> If an individual wants insurance My argument is that this is the wrong way of looking at the issue. It isn't a question of wanting insurance. Instead, the question should be *""if an individual wishes to remain healthy...""* or ""*if an individual wants access to healthcare...""* Who doesn't? Ensuring good... | [
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4457 | From WePay (GoFundMe's payment processor) support. I received only gifts and donations. Will I receive a Form 1099-K? As of 2015, the IRS has clarified that WePay is not required to send a Form 1099-K with respect to payments that are made solely as gifts or donations. The purpose of Form 1099-K is to report p... | [
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4462 | Yeah, but he got a lot of karma as well. If a lot of people go read an article and like it some will give an upvote. Someone told me that only about one out of ten page views give a vote, ie, if you got 5 upvotes and 5 downvotes then probably 100 people clicked on your link. So if he had a karma of 150k, he'd produced ... | [
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4495 | Up to RS50,000 is exempt from gift taxes. In the US, if one provides more than half the expenses for a relative, they may be a dependent. I don't know the India rules. | [
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4539 | Minor blip for Snap but their investors should take note that SNS services different than devices. Snap might find a niche device to supplement their media model but careful before betting to much on it. Snap probably lose a few million $ but will hopefully prevent a larger debacle later. | [
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4541 | That's what I have been trying to do. I do every practice test after each chapter and if I do great then on tot he next. If not, back to reading it again. What I have been seeing a lot on the new CSC test's is less math and more memorization. So IIROC mandate questions, derivatives, define a foreign bond etc. | [
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4602 | This is why I have gone back to broadcast TV, because cable TV costs a lot of money for something that is no better. It doesn't seem that long ago that there were no commercials on cable channels. Now there are MORE commercials on cable channels than on broadcast TV. Remember when the scifi channel was full of science... | [
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4604 | This person could buy another car at any moment without any money problems, so I don't really see any point in insuring, especially with such a ridiculously high price compared to the extremely low risk. Convenience. If you self-insure, then an accident means that you have to make arrangements to get the car towed, fi... | [
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4611 | I know exactly what you are talking about. You may like | [
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4612 | A few thoughts off the top of my head: Advantages of more than 20% down: Disadvantages of more than 20% down: | [
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4645 | If glass steagall had minimal impact on bank behaviour, that means the great recession was unavoidable. What sort of legislation would it take to ensure shitfests like this *will* be avoidable in the future? Outlaw predatory loans? Lynch all bankers and start over from scratch? | [
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4666 | @sharam - big question. I am going to answer part of it, but not as directly as you might like. You mention 4-6 cents per unit per month, but fail to give a unit price, so it is hard to tell how much return you are really looking for. Given the amount you have to invest, depending on your time horizon, you will do muc... | [
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4673 | I would consider it a personal decision based on your individual situation. When I was younger and short on cash tipping sucked. On a 6 figure income with no kids, I can leave 25% regularly without an issue. But everyone's got a different situation. I think 15% should be minimum but life isn't that black and white. D... | [
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4687 | Yes, he has done a few companies over the course of his career and done fairly well, at the time of his teaching the course he had two companies operating under him and would also consult (for free) for another few that started up as a result of the course. He was pretty wealthy but he did say that he really wanted t... | [
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4697 | I mentioned in other posts that it's not unreasonable that prices might rise slightly. Demand would go up and some labor costs would as well. To your point, I can say that prices would not go up 1:1, that's an absurd hypothesis that doesn't stand up to even a sniff test. | [
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4734 | First let's define some terms. Your accrued benefit is a monthly benefit payable at your normal retirement age (usually 65). It is usually a life-only benefit but may have a number of years guaranteed or may have a survivor piece. It is defined by a plan formula (ie, it is a defined benefit). A lump sum is how much tha... | [
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4735 | "I keep spreadsheets that verify each $ distribution versus the rate times number of shares owned. For mutual funds, I would use Yahoo's historical data, but sometimes shows up late (a few days, a week?) and it isn't always quite accurate enough. A while back I discovered that MSN had excellent data when using their ma... | [
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4737 | Well, I'm sorry that you're so thin-skinned. Here's a simple logical relation that I think absolutely holds true: hard work is neither necessary nor sufficient for success. It's certainly to be valued, but not as a form of cult worship. There are so many people who are smarter, more tenacious and work harder than anyo... | [
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4739 | "Some pros and cons to renting vs buying: Some advantages of buying: When you rent, the money you pay is gone. When you buy, assuming you don't have the cash to buy outright but get a mortgage, some of the payment goes to interest, but you are building equity. Ultimately you pay off the mortgage and you can then live r... | [
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4766 | While that's more true, I find as a person you're going to be much more happy and successful if you find a way to work without allowing another to be the block over you. I do not expect it of myself and do not expect it of others. You can function as your own block outside the pyramid. | [
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4772 | "I'm not an expert by any means, but pretty much every source I've seen says that one year is far too short for any sort of real ""investment"". Most guides suggest that anything less than 3-5 years should stay in no-risk accounts like savings or CDs. If you need to be sure you get all of the money back after just on... | [
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4780 | "Most of the consumer products that you buy at retail these days are commodity priced, and have been for a long time. Margins are thin, so if there are retail salespeople milling about, their compensation isn't coming from the TV or computer with a 6% gross margin. It comes from the extended warranty programs (which ar... | [
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4783 | How do I withdraw a large sum from my bank and give it to a money management firm? Either write a check to the Money Management firm or wire transfer the funds to the account mentioned. | [
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4789 | I can't think of anyone who seriously uses LinkedIn as a definitive source to find personnel. Maybe some bottom feeding firms in India, but that's about it. Judging by the downvotes LinkedIn is used by the Bangladesh Buttholes. | [
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4790 | "The fact is that the annual debt expenses to annual revenue is the key figure at any point in time (as well as a model of how these change dynamically). Since optimal annual tax revenue is roughly proportional to GDP and since annual debt expenses are proportional (a function of yield and changes over time) to debt l... | [
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4794 | Yes When exercising a stock option you will be buying the stock at the strike price so you will be putting up your money, if you lose that money you can declare it as a loss like any other transaction. So if the stock is worth $1 and you have 10 options with a strike at $0.50 you will spend $500 when you exercise your ... | [
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4799 | Of fucking course you do. It's a model. Your trying to develop an equation that represents the distribution of data for a stochastic process. I have a random source, assuming data samples are stationary how can I develop a model of the distribution of those samples? One way is to take N samples from that process an... | [
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4807 | They are one of the bigger companies pushing for more 10G gear as well as lower power consumption; they have the size, cash, and the need for better, faster and cheaper software and hardware. But don't take my word for it: http://www.anandtech.com/show/4958/facebooks-open-compute-server-tested (one of many such article... | [
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4810 | "There is no equation. Only data that would help you come to the decision that's right for you. Assuming the 401(k) is invested in a stock fund of one sort or another, the choice is nearly the same as if you had $5K cash to either invest or pay debt. Since stock returns are not fixed, but are a random distribution th... | [
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4829 | "But WhatsApp started up after FB and Google owned chat. They just saw an untapped market in crappy hand held devices and went after it. I suspect their plan all along was for acquisition and they executed that marvelously. They were not ""worth"" $19B, but FB was willing to pay that much to prevent Google from grabbin... | [
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4830 | Yes, you could avoid capital gains tax altogether, however, capital gains are used in determining your tax bracket even though they are not taxed at that rate. This would only work in situations where your total capital gains and ordinary income kept you in the 0% longterm capital gains bracket. You can't realize a mi... | [
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4845 | This is a Short Diagonal Calender Put Spread Generally, you're writing that long dated one at the money, and buying the short dated one out of the money. The maximum amount that can be made is if the stock breaks out strongly to the upside, and you keep the upfront credit minus whatever small amount it took to buy the... | [
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4854 | Nominal. What you say is true, but I'm guessing it would be too complicated to modelate. Plus, a shareholder of a very large company would not necessarily experience said loss if he/she sells the stock in small chunks at a time. | [
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4863 | If they really believed in their product, the juice, they should have just reorganized their structure to idk repackage it slightly. So then we can buy the squeezables in gas stations or something. Sounds pretty ready if people found out you could just squeeze em out. That's how you cut manufacture prices down and stil... | [
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4877 | The issue here is not that Sears is taking money from the pension. The pension is underfunded and Sear is asking to not make additional payments towards the underfunding. Pensioners are still getting screwed. At least in the US, there are lots of controls on what companies can do with pension money. Way beyond just... | [
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4883 | Retail brokers and are generally not members of exchanges and would generally not be members of exchanges unless they are directly routing orders to those exchanges. Most retail brokers charging $7 are considered discount brokers and such brokers route order to Market Makers (who are members of the exchanges). All brok... | [
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4910 | Nowhere does that say PV uses rare earths. It says some thin film cells use tellurium, but that's not a rare earth element. The only substantial use of an uncommon element in silicon PV cells (which comprise 90+% of the market) is silver for front contacts, and that's being replaced for cost reasons. And silver is... | [
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4913 | Wealth is something that we as a whole need, yet the question is how? Making wealth is not something that is troublesome but rather it is something that you need to think emphatically, as it is said negative considerations can give you negative outcomes. So right off the bat, you should simply begin thinking emphatical... | [
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4923 | Funny most of those states almost half voted blue. Take the bottom quarter of Florida and go to the Middle red states. More democrats than the entire population combined. Empty land my friend no one gives a shit about empty land. | [
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4933 | There are quite a few reasons that a company may choose to pay dividends rather than hold cash [increasing the share value]. Of couse there are equally other set of reasons why a company may not want to give dividends and hold on to cash. Related question here Please explain the relationship between dividend amount, ... | [
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4941 | "**Gregory R. Page** Gregory ""Greg"" R. Page (born 1952) is an American businessman. He serves as executive chairman of Cargill, Inc. of Minnetonka, Minnesota. *** ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=E... | [
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4946 | ">the attorneys behind the case plan to ask for ""an award of up to $16,500,000 in attorneys' fees and expenses. Fucking lawyers. They get crazy fees and we get worthless coupons. Lawyers are the only thing *worse* than Ticketmaster. Oh, and guess where that $16.5M will be coming from? *Future* ticket prices. ... | [
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4947 | It would only make sense to repay the HBP faster if you knew your marginal tax rate would be increasing in the future. It sounds like that is not the case. By repaying it sooner with borrowed money, you are paying extra interest and potentially increasing your marginal tax rate. Probably not a good plan unless you k... | [
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4966 | "Sovereign immunity is the state's ultimate ""get out of bankruptcy free"" card. After all, the state has a hand in defining what bankruptcy even is in their state. Federal law is a framework, states customize it from there. The state's simplest tactic is to simply not pay you. And leave you scrambling to the cour... | [
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4976 | Companies are required BY THE IRS to try to get everybody to contribute minimal amounts to the 401K's. In the past, there were abuses and only the execs could contribute and the low paid workers were starving while the execs contributed huge amounts. On a year-by-year basis, if the low-paid employees don't contribut... | [
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4982 | > Nothing quite like having interviews with regional buyers and store managers as a primary source on a paper or project. > Quite frankly, I think Mackey was pretty much just lucky. Most of the people I interacted with while I worked there had zero sense when it came to any sort of long term strategic positioning... | [
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4992 | Yes, this extra income would be taxed at your marginal rate because it is increasing your total income. This does not necessarily apply to all income, however. Capital gains are taxed at a different rate. Depending on the amount of extra work, you may wish to consider setting up a corporation. Corporations are taxed en... | [
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5017 | "Yeah, so where are the scholarly articles? I don't see any being referenced in the article. Seems to me like it's just his opinion. Explains why it's an op-ed rather than a research article or something of substance. It sure is easy to say ""don't have a kid before 21,"" but have you considered that a lot of kids do... | [
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5018 | It could be that the contracts were bought at cheaper prices such as $.01 earlier in the day. What you see there with the bid and ask is the CURRENT bid and CURRENT ask. The high ask price means there is no current liquidity, as someone is quoting a very high ask price just in case someone really wants to trade that pr... | [
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5019 | Many a time even if the tax is deducted and paid by the company it does not reflect as a credit against your PAN for various reasons like, you not submitting it to your employer in time, errors of reconciliation, etc. Its advisable that you inform your company finance officer that you have received such a letter. Q1. T... | [
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5049 | Yes, it is a scam. There is no doubt about it. Never give your bank password to anyone, especially strangers. You will lose your money if you fall for this. | [
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5052 | >Sprint's network can support at least 2x their current subscriber base before exhibiting any kind of slowdown. Good thing, because if if their current data speeds were any slower it'd be faster to write it out and put in the the mailbox. | [
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5054 | When fundamentals such as P/E make a stock look overpriced, analysts often point to other metrics. The PEG ratio, for example, can be applied to cast growth companies in a better light. Fundamental analysis is highly subjective. For further discussion on the pitfalls of fundamentals, I suggest A Random Walk Down Wall ... | [
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5057 | Apologies, I agree with Iamchrisbrown209, girlfriend-beating fuckmunch that he may be. Walmart does not tolerate strikes because the majority of Walmart's employees simply don't have enough experience to strike- were I a dock loader, if half my stevedores striked tomorrow I'd simply fire them and hire a bunch of other ... | [
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5058 | The most important thing, IMO is to love the business itself. Love what you are doing. Some people in a family business have aptitudes/attitudes better suited for somewhere else, they are just there because they want to help the family. That is a noble mindset but it may translate into sub-par work because you are not ... | [
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5064 | The Hong Kong Dollar is based on the US dollar. The Hong Kong central bank recognizes the US dollar as its reserve currency. That is, the Hong Kong central bank keeps US dollars as its main reserve. Not long ago the reserve currency of choice would have been gold. Central banks of each country would need to have en... | [
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5066 | Clinical infertility can additionally confound the procedure and make additional worry as you attempt to consider, so it's essential to know how to enhance the pregnancy calculator and odds of pregnancy by keeping up perfect conditions for origination. Beneath you will get a more critical take a gander at a portion of ... | [
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5122 | Robinhood does offer premium products that they charge for-I suspect we will see more of that in the future. They do not change the bid/ask spread as some have said because they have to give you the NBBO. | [
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5135 | I wouldn't say that this is specific to student loans. I think nowadays debt is just becoming a bigger and bigger thing. Partially due to the increasing wage gap, as the standard of life moves up way faster than wages move up, debt becomes necessary. Also debt is a very appealing thanks to the interest rates people wil... | [
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5152 | Essentially, what you're describing is a leveraged investment. As others noted, the question is how confident you can be that (a) the returns on the investment will exceed what you're paying in interest, and (b) that if you lose the bet you'll still be able to pay off the loan without severely injuring yourself. I di... | [
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5179 | I've been short the Euro for several months now against the USD (could be various others as well). I got in at 1.42, sold on a bounce up to 1.36, bought back at 1.38 and now will probably ride it out lower. Regardless of whether or not the Eurozone breaks up, I see it breaking through the 1.30 mark in the near-term. ... | [
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5180 | Your analysis is not comparing apples to apples which is why it looks like investing money in a non-qualified account is better than a 401k (traditional or Roth). For the non-qual you are using post tax dollars (money that has already been taxed). Now on top of that original tax you are also going to pay capital gains... | [
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5181 | I dont think the author really understands why or how credit bureaus work, why they exist, and therefore where the blame exists for incorrect data. No credit bureau wants incorrect data, for obvious reasons, but it happens. That's one reason why they let you get access to your credit score, to check it the data is corr... | [
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5188 | Basically you have 4 options: Use your cash to pay off the student loans. Put your cash in an interest-bearing savings account. Invest your cash, for example in the stock market. Spend your cash on fun stuff you want right now. The more you can avoid #4 the better it will be for you in the long term. But you're apparen... | [
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5191 | Credit card fraud protection (by law), credit card cash back programs (provided by most CC issuers), and debit card fees (commonly imposed by the merchant). The crux is that with CC transactions, a small percentage is remitted to the issuing bank. Since the banks are already making money hand over fist on CC's, they i... | [
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5203 | I have credit card debt of about $5000 That's the answer right there. You told us the 401(b) has no match. The next highest priority would be credit card debt that's costing you interest. You didn't mention the rate on the card, I'm assuming it's 8% or more. As far as your balance sheet (the 'bottom line') is concern... | [
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5213 | Okay, so? You were arguing that I wouldn't like to be on the receiving end making the sacrifice. Clearly someone who is earning more money but paying a lower percentage is making much less of a sacrifice than someone earning less money but paying a higher percentage in tax. | [
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5219 | Most US banks don't allow you the ability to draft a foreign currency check from USD. Though, I know Canadian banks are more workable. For instance, TD allows you to do this from CAD to many other currencies for a small fee. I believe even as a US Citizen you can quite easily open a TD Trust account and you'd be good t... | [
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5220 | "No one is quite sure what happened (yet). Speculation includes: The interesting thing is that Procter & Gamble stock got hammered, as did Accenture. Both of which are fairly stable companies, that didn't make any major announcements, and aren't really connected to the current financial instability in Greece. So, th... | [
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5223 | Are you one who cannot invest high efforts and time to enhance the profit in trading? However, you have strong desire to gain profits in trading binary options. Then, binary today is just for you. It encompasses the features, which is highly applicable for novice and experience person. | [
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5224 | If you sell your shares for more than their value at the time you received them (i.e. you make a profit) then you will be liable for capital gains tax - but only if the profit exceeds your annual allowance (£11,100, in tax year 2015-16). This is unrelated to how you came by the shares in the first place. (Note that the... | [
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5239 | "I think you're on the right track. Your #2 journal entry is incorrect. It should be (I usually put the debit entry on top, but I followed your formatting) I'm assuming your employer uses an accountable reimbursement plan (reimbursing you when you turn in your payment bill/receipts). This is not salary. Reimbursements ... | [
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5252 | Ok, but I wasn't trying to validate the Bible, merely pointing out OP's mischaracterization of Christian values in regards to what constitutes charity. It's almost as if you have a bone to pick with religion in general. Talk about dogmatic responses! | [
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