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"I haven't seen this addressed anywhere else, so I'll make a small answer to add on to the great ones already here. Money isn't the only way a person can contribute to a relationship. Time and effort are valuable contributions. Who runs the household? Who cooks, cleans, does laundry? How will you share these duties? My husband and I have a couple of rules. One of which is that we don't keep count. ""I did dishes, so you do laundry"". ""I made coffee last time, so now it's your turn"". ""I paid this, so you pay that"". That's not allowed. I happen to make ~4x as much as my husband, but I work 4x the hours (he's part time at the moment). So, he does the dishes, he cooks, he does laundry, he runs the household. Do I value him less? No! I value him more, because he is part of the team, and he feeds me coffee while I work (we have our own business). Even though I make so much more than him, we still split everything down the middle. Because his contribution to this relationship, to this household, is so much more than just money. And I value him. I value his contribution. At the end of the day, you are a team - and if you split hairs over finances, you'll find yourself splitting hairs over everything."
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Are you going back so you can find a higher paying job? What type of job are you currently working? Going back to school is not a waste of time. I did the same thing. At 22 I went back and earned a BBA with a finance concentration from a non-target. I graduated in December and started a new job in January. Granted, the job I got was an entry level position in an accounting department, but the pay was great compared to my previous job (server), and I was finally able to enjoy weekends! I went on to get a M.S. in Finance (50% paid for by the job I got out of undergrad!) and I now work as an analyst for a f500 company. I say go for it!
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of course! Currently I am running a digital media company based in Bangkok, we produce a wide array of content, some for web distribution some that is targeted for traditional distribution. I also have equity in a number of tech startups around Asia, everything from e-commerce to smart home to big data. I also recently exited a quantified self company I had built with several co-founders.
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"On broad strokes, the market does ""work properly."" I invest in bio and spend a lot of time in front of trial research, reports, pipeline procedure, and various catalysts. I can tell you that you have absolutely no idea how much damage would be done if the FDA was not involved in the pipeline. None. Your attitude is naive at best but is obviously more likely the result of an exhausted political viewpoint. I'm tired of this ""magic hand"" garbage. It never worked. It doesn't work. It will not work. It won't work. Got it? Do you understand this?"
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Perfect, really needed an ELI5 scenario. So correct me if I'm wrong, what this means is having an NPV of zero of an investment shows that you will be definitely breaking even - and that's better than just having your money lying around doing nothing. Now let's take a PE example. Why is it that they prefer having an IRR of 20% or more. Why not less? Is it because 20% takes care of the cost of capital and more? I.e. if your IRR is greater than your cost of capital, it means that all the outflows from the cost of capital still result in an NPV of zero. But if your IRR is less than your cost of capital, that means you'll make a loss. Correct? Thanks for your time on this.
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Hungarian Games provide the best live escape Game in Dubai. Here you can get an immersive, live puzzle game, Football pool and more live game in which teams find clues and solve mysteries within a time limit. The lucky person is responsible for preparing and submitting the pool's entry. It will involve knowledge about the terms and plans. Who keeps any result data up to date.It may involve a meeting at the pub to agree on the list of the other team members.
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This will continue happening. I'm not sure why people are surprised. 1. Wealth attracts wealth. Once you have billions you can use the millions you make from interest (without ever touching your capital) for many new endeavors. It's pretty hard to lose everything once you're worth billions. 2. It's easier to become a billionaire faster than what it was 20 years ago, and will continue to increase in pace. Instagram was sold for $1B before 2 years of being founded. 3. People are living longer and having less children. In combination with #2, in the past the distribution of wealth through inheritance happened quicker than the creation. Takes you 30 years to create a $5B estate and it's then divided into 5. Today it takes you 15 years to create a $40B estate and it's divided into 2 after 40 more years. 4. It's easier to add more value than 50 years ago. Today a software engineer can develop software that automatically does what a whole 1,000-person company did in the past. Adding value generates wealth. 5. It's easier to stay on top of more things. In combination with #4, you can now use technology to add much more value in bigger enterprises. Consider Musk as an example being the CEO of Tesla, SpaceX and finding time for the neuralink and boring projects. That would have been impossible 50 years ago. In general innovation creates value. Globalization creates a much larger marker for that value to be applied in. Technology makes it for more innovation to happen in an ever-increasing pace. World living standards are at an all-time high, but the leaders can separate themselves farther from the pack not because it is unfair, but because technology allows them to. In order to innovate, you must take some risks and be able to step away from your day to day obligations to analyze opportunities. That's why I believe a better social safety net is required. But this will only increase the amount of billionaires out there and will increase living standards for everyone; it will not necessarily decrease inequality.
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There is (almost) always money involved somewhere, but it doesn't have to come from you. It can be investors, credit cards, or even seller-financing (I've done all 3). Examples: If you can find partners with the money to make the deals happen, then your job is to put the deal together. Find the properties, negotiate the price, even get the property under contract (all without any obligation or cost on your part... yes it absolutely can be done). Then your partners will fund the deal if it's good enough and their terms are met, etc. In some areas you can put a property on a credit card. If you find a house say for $25,000 that will rent for $300/month, and you can put it on a credit card (especially at zero percent for a year or something similar), then you can generate cashflow as a landlord without putting up any cash of your own on the purchase. Of course there are many risks associated with landlording and i could tell you horror stories... but we're not addressing that here. You can negotiate a sale with an owner who agrees to finance the entire purchase for you. I once purchased 3 properties at once this way from a seller who financed the entire sale, all closing costs, everything, this way. Of course they needed a lot of repair and such so I had to fund that another way, but at least the purchase itself cost me no money out of pocket. So these infomercials/courses are not inherently scams in the sense that what they are teaching is (usually... I'm sure there are exceptions) true. However they generally give you enough information to get into trouble, and not out. But that's what true learning is... it's getting into trouble and finding a way out that doesn't kill you. =) That's called experience, and you can't buy that for any price.
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"To expand a bit on @MSalters's answer ... When I read your question title I assumed that by ""retirement funds"" you meant target-date funds that are close to their target dates (say, the 2015 target fund). When I saw that you were referring to all target-date funds, it occurred to me that examining how such funds modify their portfolios over time would actually help answer your question. If you look at a near-term target fund you can see that a smaller percent is invested internationally, the same way a smaller percent is invested in stocks. It's because of risk. Since it's more likely that you will need some of the money soon, and since you'll be cashing out said money in US Dollars, it's risky to have too much invested in foreign currencies. If you need money that's currently invested in a foreign currency and that currency happens to be doing poorly against USD at the moment, then you'll lose money simply because you need it now. This is the same rationale that goes into target-date funds' moving from stocks to bonds over time. Since the value of a stock portfolio has a lot more natural volatility than the value of a bond portfolio, if you're heavily invested in stocks when you need to withdraw money, there's a higher probability that you'll need to cash out just when stocks happen to be doing relatively poorly. Being invested more in bonds around when you'll need your money is less risky. Similarly, being more invested in US dollars than in foreign currencies around when you'll need your money is also less risky."
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Have you seen what it takes to be a (very highly-paid) accredited actuarial? First, you enter a class with other supremely talented math whizzes; then, you finish with close to perfect marks but they weren't perfect enough because only the most perfect of the perfect have made it!
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>Why doesn't a competitor come along at 1%. Because banks and credit card brands set interchange and assessments before any actual processing companies start adding in their markups, and those are already above 1%. If a company offered less than the sum of interchange and assessments, they would be losing money on every transaction they process.
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This would be 48x wrong, no need to sensationalize it any more than it already has been. Their 10 year estimate of actual solar production (an emerging market) was off by a factor of 4, which is pretty good.
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Cada uno de ellos necesita una consideración personalizada, y es aquí donde se separa padilla-bujalil. Tenemos amplia experiencia en la administración de compra, venta y arrendamiento de propiedades de lujo casas, villas, pisos y apartamentos. Por lo tanto, le ofrecemos nuestro experto inmobiliaria tierras beneficios juntos vamos a descubrir la casa que está buscando. La confianza y el cumplimiento de nuestros clientes es nuestra mejor garantía. La compra, trato o arrendamiento de una casa, señorío o nivel es debido a diferentes causas de especulación, fantasía, requieren.
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Unless you are a client with boatloads of money, I don't think service like you are asking about is very common. And I kind of assume that if you did have the boatloads of money, you would already have had such a relationship with a brokerage or accountant or similar financial professional. When I have taken money from brokerage accounts, I have had to call them to ask for it or requested it online. For both, the only option was to receive a check in the mail made out to the account holder (me). This usually takes about a week, although that does include waiting for the funds to settle after a stock sale which itself is about 3 business days. I know a lot of brokerages do have banks affiliated with them and one of the benefits of having a bank account with that affiliated bank is quicker transfers in and out of your bank account. But if you aren't willing to do that, I don't think you have many other choices other than receive a check in the mail.
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"As the comments above have been trying to get across, the prospective employer is offering to pay you for the bonus/unvested compensation that you would be losing by jumping ship right now to go work for them. They are not offering to buy any securities that you already hold, regardless of whether they're profitable or unprofitable. Example 1. You participate in your current company's 401(k), and your company matches your contributions at 50%. However, the matching funds are not yours immediately; they vest in 20%/year increments until you have been at the company for 5 years. Let's say you've been there for 3 years and have contributed $50K to the plan. Your company has matched you at $25K, but only 60% of that ($15K) has vested. If you leave right now for the new employer, you're leaving $10K behind. So the new employer might offer to ""buy out"" (i.e. pay you) that $10K to help encourage you to switch now. You might then counter their offer by pointing out that if you stay where you are that $10K is coming to you tax-deferred, whereas their $10K signing bonus would be taxed. So you ask for $15K instead. Example 2. You work for a Wall Street investment bank. Each December you receive a performance bonus. Since you began working there, your three yearly bonuses have been (in chronological order) $500K, $750K, and $1M. It's June, so you've worked halfway towards your next bonus. You have a lot of incentive to NOT leave your current employer. A competing employer may offer to ""buy you out"" of your anticipated bonus by giving you a $1.25M signing bonus (since you'd almost certainly not be eligible for a performance bonus during your first year there). You might negotiate with them and say ""I'm on track for $2M this year"", and then they would figure out if you're really worth that much to them. So you can see this all has to do with the prospective employer trying to compensate you for any income you're already counting on receiving from your current employer. By jumping ship now you would be foregoing that guaranteed/expected income, so the competitor wants to remove that anchor that might be holding you back from making the move. Stocks/options that you already own are irrelevant to the prospective employer. Since you wouldn't be giving those up by changing jobs, there's no reason for them to factor into the equation."
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"Capitalism doesn't have an overall goal for society or the economy. It's simply a description of the behaviour of an economy given certain legal constraints, some market conditions, and the assumption that participants behave in their own interest. It's a descriptive system, as opposed to a proscriptive system such as communism - which, btw, might well agree with your ""should"" statement."
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"Summarized article: Pop star Justin Bieber, 18, is currently featured on the cover of the latest Forbes Celebrity 100 list as one one the highest paid entertainers, as well as a venture capitalist. Bieber earned over $108 million over the past 2 years through album sales, tours, fragrance sales and his film ""Never Say Never"". The singer is also one of a recent wave of tech-savvy celebrities that use their own money to back private technology startups. Bieber's manager Scott Braun encouraged the singer to invest in startups back in 2009. According to Braun, Bieber's venture capital investments are now between 2% and 5% of his net worth or about $80 million. Bieber currently holds stakes in a dozen companies including Tinychat, Stamped, Sojo Studios and Spotify. *For more summarized news, subscribe to the [/r/SkimThat](http://www.reddit.com/r/SkimThat) subreddit*"
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"I think this quote from the article sums things up really well: > ""No one who knows anything about budgeting would take a 30-day change to have any meaning at all. There is no credit to take, because it's like noticing that rainfall numbers from one month to the next are not exactly the same or that attendance at baseball games is not a constant number."" A claim by Trump is not the same as a claim about Trump. As a reminder, his claim was: > Trump tweeted, ""The National Debt in my first month went down by $12 billion."" And this is the claim that has been rated Mostly False. A claim **by** Trump."
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Oh crap that came off wrong the last full republican in my family was my grand father and we barely religious I think the last time we went to church was for Christmas because my sister is big in the church. I'm honesty most rural people would prefer if the government was hands off. I will agree that a lot of people just vote strait red which irritates the piss out of me. And trust me we hate our representation with a burning passion but we are fight the far bull headed right and left in our politics out here
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"For the mortgage, you're confusing cause and effect. Loans like mortgages generally have a very simple principle behind them: at any given time, the interest charged at that time is the product of the amount still owing and the interest rate. So for example on a mortgage of $100,000, at an interest rate of 5%, the interest charged for the first year would be $5,000. If you pay the interest plus another $20,000 after the first year, then in the second year the interest charge would be $4,000. This view is a bit of an over-simplification, but it gets the basic point across. [In practice you would actually make payments through the year so the actual balance that interest is charged on would vary. Different mortgages would also treat compounding slightly differently, e.g. the interest might be added to the mortgage balance daily or monthly.] So, it's natural that the interest charged on a mortgage reduces year-by-year as you pay off some of the mortgage. Mortgages are typically setup to have constant payments over the life of the mortgage (an ""amortisation schedule""), calculated so that by the end of the planned mortgage term, you'll have paid off all of the principal. It's a straightforward effect of the way that interest works in general that these schedules incorporate higher interest payments early on in the mortgage, because that's the time when you owe more money. If you go for a 15-year mortgage, each payment will involve you paying off significantly more principal each time than with a 30-year mortgage for the same balance - because with a 15-year mortgage, you need to hit 0 after 15 years, not 30. So since you pay off the principal faster, you naturally pay less interest even when you just compare the first 15 years. In your case what you're talking about is paying off the mortgage using the 30-year payments for the first 15 years, and then suddenly paying off the remaining principal with a lump sum. But when you do that, overall you're still paying off principal later than if it had been a 15-year mortgage to begin with, so you should be charged more interest, because what you've done is not the same as having a 15-year mortgage. You still will save the rest of the interest on the remaining 15 years of the term, unless there are pre-payment penalties. For the car loan I'm not sure what is happening. Perhaps it's the same situation and you just misunderstood how it was explained. Or maybe it's setup with significant pre-payment penalties so you genuinely don't save anything by paying early."
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Amazons business is built domestic shipping, and is massively subsidized by the US government, to the detriment of anyone who would attempt to compete with them. The post office is not my example. Amazon and Besos is my example. Our tax dollars are going directly into Besos' pocket. Thanks government!
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I compared it to NJ, NY and various other states through a database that escapes me now. It's an independent database that was partially funded by the Bill and Melinda Gates foundation and I cannot find it now. I also went through the arbitration opinion between CPS and the union, as another datapoint. I'm sorry. I will try to find it and get back to you.
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If the brokerage account holds US assets, such as the stock of US companies, then it may be taxable under some conditions. The rules are complex and depend on the nationality of the individuals, because the results may be affected by tax treaties between the United States and whatever country the person is from.
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Generally, credit card networks (as opposed to debit/ATM cards that may or may not have Visa/MC logos) have a rule that a merchant must accept any credit card with their logo. Visa rules for merchants in the US say it explicitly: Accept all types of valid Visa cards. Although Visa card acceptance rules may vary based on country specific requirements or local regulations, to offer the broadest possible range of payment options to cardholder customers, most merchants choose to accept all categories of Visa debit, credit, and prepaid cards.* Unfortunately the Visa site for China is in Chinese, so I can't find similar reference there. You can complain against a merchant who you think had violated Visa rules here. That said, its not a law, its a contract between the merchant processor and the Visa International organization, and merchants are known to break these rules here and there (most commonly - refusing to accept foreign cards, including in the US). Also, local laws may affect these contracts (for example, in the US it is legal to set minimum amount requirements when accepting credit cards). This only affects credit card processing, and merchants that don't accept credit cards may still accept debit cards since those work in different networks, under a different set of rules. Those who accept credit cards, are also required to accept debit cards (at least if used as credit).
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The fee you were charged to get the money order is gone. You agreed to that fee when you purchased the Money order. It is now a check that you can use how ever you wish. If you have already added a name to the pay to line it can be changed but different agencies have different rules for what they will accept. Take the money order to your bank explain the situation and tell them you want to put the money in your account, or cash it.
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is There Anyway I can Avoid losing 6-10% per Trade. As My Current Investment House Has Charged & will Be taking 5% hit quarterly If Left Untouched Stop trading penny stocks. Take your investment elsewhere and put it in a low-fee index fund ETF. You'll probably get a better return on your money.
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A huge part of the problem is that low income people have been very heavily marketed to by the online and for profit colleges because they were eligible for financial aid (mainly loans) and were seen ONLY as a straw through which to suck money out of the government by these “schools”. Because they were only interested in the money, there was no attempt to qualify students in many of these schools or provide any support to them. When students dropped out their “counselors” would keep signing them up for classes that they didn’t know about or attend. Because a lot of the schools are bullshit schools with either no reputation or a poor one, even those who finished were largely not able to get the high paying jobs they were promised in order to lure them in. This goes for low income students, especially ones whose families have no previous experience with post high school education, across the board, and all of this group is far more likely to default (because they were basically ripped off, got nothing useful from these bogus schools and were often outright defrauded, and do not have the income they were told they would have when agreeing to the loans) but because there is a higher percentage of minorities among this group they are more likely to be defaulters. But our unforgiving student loan system doesn’t differentiate between loans for real eduacation and loans for these rip off “schools” so you are still 100% on the hook regardless. Even if they signed you up for several more semesters’ worth of classes after you “withdrew”. It’s a lot like the mortgage collapse—desperate to keep making money, the lenders targeted increasingly less qualified people who were also naive about the entire system and sold them terrible loans (sometimes talking them out of more reasonable options) and then when the whole thing starts to fail, it’s all “because the government made the banks give mortgages to poor black people”. The institutions suck up the money and leave bewildered poor people holding the bag, now even poorer with nothing to show for the debt they will literally be digging out of forever. The Obama administration FINALLY took some steps to control the predatory for-profit institutions and try to sort out who had been ripped off vs people who had genuinely received any useful education, but of course the new Sec of Education is doing her best to roll all that back. And most of the victims aren’t teens either. They are adults with kids who were trying to do something to better themselves and their lives and got screwed over. Some of these middle aged people will literally be having their Social Security garnished to pay for these loans. It’s disgusting, and even more so to say it’s all affirmative action.
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"Putting them on line 10 is best suited for your situation. According to Quickbooks: Commissions and Fees (Line 10) Commissions/fees paid to nonemployees to generate revenue (e.g. agent fees). It seems like this website you are using falls under the term ""nonemployees""."
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Sure they do, but there's no point getting into a bidding war with the machines: it just becomes a question of whether you lose this year or next. Employers love to use minimum wage disputes as a smokescreen for cutting labor when they automate the jobs they were going to automate anyway.
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Well actually you need a lot of things. Engine alone is not directly related to towing capacity, for example. You need the proper suspension, frame strength, etc. Actually you don't need a big engine to tow, you need torque. You need the right transmission, differential, gearing, etc. Generally speaking, the bigger the thing you want to tow, the bigger the truck you need to tow it. Otherwise, wouldn't Semi trucks be small, but with a big engine?
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Credit card, without a doubt. The reason is dispute resolution. If you dispute a charge on debit card - the money has left your account already, and if the dispute was accepted - you'll get it back. If. Eventually. In the mean time your overdraft will be missing $$$. For credit cards, you can catch a fraud action before the money actually leaves your pocket and dispute it then. In this case the charge is set aside, and you will only be required to actually pay if the dispute is rejected. I.e.: The money stays in your pocket, until the business proves that the charge is legit. In both cases, if the dispute is justified (i.e.: there was indeed a fraud) neither you nor the bank will lose money at the bottom line, it's just who's got the money during the dispute resolution process (which may be lengthy) that matters.
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This could get them into cities where they can't operate as a taxi service. And if they can operate in a city making deliveries, they can point out that their cars are already on the road and not causing danger like opponents claim. They will also then have workers in those cities who can show up to city council meetings.
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I think the part where it mentions the 'Japanese method' is illustrative for the rest of the article: most of it has been made up in the head of the author based on hearsay or stereotypical assumptions without actually having worked in a Japanese company.
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I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit: - [/r/unitedkingdom] [Might be of interest here - recent interview with Nick Leeson, rogue trader](https://np.reddit.com/r/unitedkingdom/comments/74eqqp/might_be_of_interest_here_recent_interview_with/) [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))* [](#bot)
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No. This amount of money is not appropriate for friends to go in on. Although you could consider buying a house with a business partner, have the contracts drawn up, see an attorney, read up on the penalties if one of the partners doesn't hold up their end from the law's point of view. Also, since this is a business arrangement, write and sign all sorts of details regarding the penalties amongst the partners (not just the law) when one person doesn't hold up. It isn't that you don't have good intentions, or that you couldn't do it just fine if no problems ever happen. The issue is that over the course of a mortgage, which is at least several years, something is very likely to come up. If you and your friend aren't prepared to think about all those issues and how to handle them, you will lose a friend, probably a house and your good credit. I wouldn't go into business with my best friend because I want him to stay my best friend.
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MSFT: Hey Nokia, pls be exclusive to us NOK: OK we will build phones exclusively for you MSFT: Hey everyone, look, shiny new Windows 8 for phones NOK: Ooh nice, when can customers have update MSFT: LOL no update NOK: MSFT pls, now not a single person will buy one of our phones for months MSFT: LOL
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If the money comes to you, then it's income. If the money goes out from you, it's an expense. You get to handle the appropriate tax documentation for those business transactions. You may also have the pleasure of filing 1099-MISC forms for all of your blogging buddies if you've paid them more than $600. (Not 100% sure on this one.) I was in a blog network that had some advertising deals, and we tried to keep the payments separate because it was cleaner that way. If I were you, I'd always charge a finder's fee because it is extra work for you to do what you're doing.
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Besides the long-term concern about which is cheaper, which has already been addressed by other answers, consider your risk exposure. Owning property has financial risks associated with it, just like owning stocks or bonds. The risk-related downsides of owning a home as an asset include: The risk-related upsides of owning a home as an asset include: Taking on some risk can save you (or earn you) money in the long run (that's why people buy risky stocks, after all) but consider how well you're equipped to handle that risk before you rush out to buy on a naive analysis of what's cheaper.
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"This about knowing the meaning of the term ""making money."" At a deeper level it's identifying idiots who can't accept the fact they're wrong and don't really know shit about what they're talking about. If you want to support and perpetuate this behavior, fine with me. It just means continuing job security."
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"This is a poor argument. If I could make $500 an hour but could only work 1 hour per week, I'd be broke and still ""more successful"" given your example. Salary divided by hours worked (or even effort for that matter) ignores economies of scale. Just because you're efficient on a per unit basis doesn't mean you have the same potential as someone else that can ""sell"" more units than you."
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"This depends on the country(ies) involved. US citizen/resident giving gifts is required to pay a gift tax. The recipient of the gift, however, pays nothing. The value of the gift at the time of the gift-giving is used to determine the tax, and an exclusion of $14000 per person per year (as of 2013) is available to allow smaller gifts to be given without too much of a red tape. There's also a lifetime exemption which is shared between the gift tax and the estate tax. This exemption is $5.25M in 2013. The reason the gift tax exists in the US is because the US tax code is very aggressive. This is basically double taxation, similarly to estate tax. Gifts/estates are after-tax money, i.e.: income tax has been paid on them, yet the government taxes them again. Why? The excuse is to disallow shifting of income: if one person has high income tax brackets, he may give some of his income-producing property to another person with lesser brackets who would then pay less income taxes (for example, parents would transfer property to children). Similarly capital gains could be shifted. Generation-skipping tax is yet another complication to disallow people use gifts to avoid estate taxes: a grandparent would gift stuff to grandchildren, thus skipping a level of estate taxes (the parents in between). In other countries the tax codes may be less aggressive, and not tax gifts/inheritance as this money has been taxed before. This is a more fair situation, IMHO, yet it means that wealth moves from generation to generation without the ""general public"" benefiting from it. So if you're a US person and considering giving or receiving a gift - you need to consult with a tax adviser about the consequences. Similarly with other countries, if you are subject to their tax laws."
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The prices dropped because the scandal could mean: This some people estimated that the company could lose money, or have smaller profit. Thus each share was worth less money going forward. The mechanism is that in order to sell their shares the current share owners had to settle for lower prices.
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SECTION | CONTENT :--|:-- Title | Another Dirty Room Ep. 11 : $40 NIGHTMARE : The Swan Motel : Halethorpe, Maryland Description | MORE DIRTY ROOMS : https://www.youtube.com/playlist?list=PLNz4Un92pGNy-qF4e9l7D1xvc-4K2R1fn PRINTS : http://www.ShopDanBell.com SUPPORT : http://www.Patreon.com/ThisIsDanBell FACEBOOK: http://www.Facebook.com/ThisIsDanBell TWITTER : http://www.Twitter.com/ThisIsDanBell INSTAGRAM : http://www.Instagram.com/ThisIsDanBell Music: All Tracks by Kevin MacLeod (incompetech.com) All tracks licensed under Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/ Length | 0:25:46 **** ^(I am a bot, this is an auto-generated reply | )^[Info](https://www.reddit.com/u/video_descriptionbot) ^| ^[Feedback](https://www.reddit.com/message/compose/?to=video_descriptionbot&subject=Feedback) ^| ^(Reply STOP to opt out permanently)
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How is this not what everyone is taking about?? It's the first thought I had hearing this news. [Amazon Go](https://youtu.be/NrmMk1Myrxc) is such an obvious play here. It will take years but the Whole Foods customer base is an ideal market for it, no doubt that was the pitch from Bezos.
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Iamthewalrus is saying that longer commercials can just have longer quiet periods to bring down the average of your loud parts. Short commercials can't do this. I think the point is average is an imperfect measure because it doesn't capture the really loud parts. The main standard for normalizing the volume of music, ReplayGain, uses the 95th percentile of loudness - in other words, it looks at some of the loudest parts of a song/commercial to decide how loud it sounds to us. Empirical testing shows that we do indeed perceive loudness like this. More information: http://wiki.hydrogenaudio.org/index.php?title=ReplayGain_specification#Statistical_processing
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We have a lot more immigrants that come here for an education. Something like 70% of grad students in stem fields are foreign born. Those people are being turned off by Trump. That’s the problem. H1Bs aren’t the people who Trump is turning off. That’s not the problem. The problem is these other people who come here because they’re brilliant and the us has opportunities for them. Trump is turning them off. They can go to grad school in Canada or Europe because the prospects when they finish will be much worse.
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> Panasonic hasn't yet agreed to put up a penny In your own link it talks about their 200-300 million initial investment. Which you would know if you knew anything about the company, or the news on Thursday. Which, of course, you don't, and yet you keep talking. Really, you are aggressively ignorant. I really don't understand how it's possible, or what your motivation is to be so intentionally wrong about everything you say. Seriously, get a clue. Try talking about things you know about...if such a subject even exists.
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Currencies are a zero-sum game. If you make money, someone else will lose it. Because bank notes sitting in a pile don't create anything useful. But shares in companies are different, because companies actually do useful things and make money, so it's possible for all investors to make money. The best way to benefit is generally to put your money into a low-cost index fund and then forget about it for at least five years.
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> The recommendations included reviewing Mr. Kalanick’s responsibilities and reallocating them, with an increased emphasis on a chief operating officer at the company. Does that mean moving him from CEO into more of a COO role, or bringing on a COO and reallocating those responsibilities to that person?
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"In a way I would almost welcome it becuase ibeleive the outrage from so many millions might actually generate the groundswell public reaction we need to drastically limit software patents. It's outrageous. U.S. Patent No. 5,946,647 on a ""system and method for performing an action on a structure in computer-generated data"" (in its complaint, Apple provides examples such as the recognition of ""phone numbers, post-office addresses and dates"" and the ability to perform ""related actions with that data""; one example is that ""the system may receive data that includes a phone number, highlight it for a user, and then, in response to a user's interaction with the highlighted text, offer the user the choice of making a phone call to the number"") every fing computer has done that for ever. U.S. Patent No. 6,343,263 on a ""real-time signal processing system for serially transmitted data"" (while this sounds like a pure hardware patent, there are various references in it to logical connections, drivers, programs; in its complaint, Apple said that this patent ""relates generally to providing programming abstraction layers for real-time processing applications"") so vague as to be anything apple wants yet so low level that obviously premempted by every prior serial data receiver which is every analog and digital radio receiver EVER."
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Thank you for replying. I assumed since I’m the one asking for advice from him I should be leading the conversation with questions mostly. Wondering if you have an examples of what questions. I have some prepared but any extra insight is helpful.
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Investing money in the stock market with [Compound Stock Earnings](http://www.compoundstockearnings.com) is a great way to build wealth and plan for the future. However, few people know what the stock market is let alone how to begin investing in it. It is important to understand how companies and stocks work before investing in them.
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Given that utilizing all the funds available to you drains your retirement and leaves you with very little cushion for unforeseen events (as already noted), it may be best to use a smaller amount for closing and just deal with the PMI for a couple years. PMI is likely less than the taxes/penalties incurred from withdrawing a full 20% + closing costs. Let alone the lost earning on the accounts (above your mortgage interest rate); but personally I think the stability of significant home equity is worth more than anticipated stock gains. I would recommend pulling enough to buy the house comfortably without dipping too deeply in any one area, while still paying down your balance to where you can eliminate PMI quickly (say 2-3 years). Your limits for each account are approximately: Roth IRAs: Traditional IRAs: Brokerage (non-retirement): Checking: Things to consider: If you are current on your payments, you can request PMI removal once your loan-to-value drops below 80% - it also terminates automatically when it is scheduled to drop below 78% (not if it actually has). Many loans have a 2 year minimum PMI period though, regardless of your Loan To Value (LTV) changes. LTV changes could be from:
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"Members of the Federal Reserve System keep track of what money a bank has (if it's not in the vault), who owns what shares of stock, who owns what bond, etc. The part of the Federal Reserve System that tracks stock ownership is the Depository Trust Company (DTC). They have a group of subsidiaries that settle various types of security transactions. DTC is a member of the U.S. Federal Reserve System, a limited-purpose trust company under New York State banking law and a registered clearing agency with the Securities and Exchange Commission. There's lots of information on their website describing this process. DTCC's subsidiary, The Depository Trust Company (DTC), established in 1973, was created to reduce costs and provide clearing and settlement efficiencies by immobilizing securities and making ""book-entry"" changes to ownership of the securities. DTC provides securities movements for NSCC's net settlements1, and settlement for institutional trades (which typically involve money and securities transfers between custodian banks and broker/dealers), as well as money market instruments. Black pools are trades done where the price is not shared with the market. But the DTC is the one who keeps track of who owns which shares. They have records of all net transactions2. The DTC is the counterparty for transactions. When stock moves from one entity to another the DTC is involved. As the central counterparty for the nation's major exchanges and markets, DTCC clears and settles virtually all broker-to-broker equity 1. This is the link that shows that settlements are reported on a ""net basis"". 2. If broker A sells 1000 shares of something to broker B at 8 and then five minutes later broker B sells the 1000 shares back to A, you cannot be sure that that total volume will be recorded. No net trading took place and there would be fees to pay for no reason if they reported both trades. Note: In dark pool trading quite often the two parties don't know each other. For shares (book-keeping records) to be exchanged it has to be done through a Clearing House."
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There is no 1 2 3 to being successful. Everyone's story is different but generally there is some composition of connections, networking, dedication and opportunity involved. Anyone offering easy steps to being financially successful is a scammer and anyone willing to buy into it is a chump. Go out and build a network, learn and offer product/service that has demand is the most general you can be.
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If this is OPs outlook on starting something new, I'd say it's failed before it started. You'll never survive the toughness of selling people on new ideas if this is the mindset before the first pilot was tested. You have to lead people through it, you don't just create and walk away with success. OP - not to be a prick - but you don't have it. You might later at some point or maybe this will motivate you to prove me wrong. But you quit before you even started. This particular idea is DOA
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>[**Проект Dohaglobalinv. Доход до 15 % в месяц. Способ заработка в интернете! Как заработать деньги? [6:11]**](http://youtu.be/VADn3u_PWl0) >>Друзья, в этом видео, вы узнаете о новом инвестиционном проекте: Dohaglobalinv > [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7RK9aIUg) ^in ^People ^& ^Blogs >*^3 ^views ^since ^Oct ^2017* [^bot ^info](/r/youtubefactsbot/wiki/index)
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Its like anything else, you need to study and learn more about investing in general and the stocks you are looking at buying or selling. Magazines are a good start -- also check out the books recommended in another question. If you're looking at buying a stock for the mid/long term, look at things like this: Selling is more complicated and more frequently screwed up:
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Good point- One thing though, Past agreements, like GATS - although they were public, they were so complicated and ambiguous/impossible to understand, that it took decades for people to figure out what they meant in actual cases. Also, you should read this- **[TTIP: EU Commissioner Points Finger At US Secrecy, Investor-State Provisions](http://www.ip-watch.org/2014/04/02/ttip-eu-commissioner-points-finger-at-us-secrecy-investor-state-provisions/)** They have made it a HUGE pain in the ass for them to even read the things.
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>I want to start a company but it looks like the the market is way over crowded with useless products or could I still make it work if the product is actually useful? The market for a product or service does not depend on the number of existing products or services currently being sold. There are over a billion cars in the world today. Should that have deterred Tesla from introducing a novel type of car? >I really I don't want to rely on on marketing and advertising? Just product value and usefulness The most useful product in the world will sell zero units if no one knows about it.
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Depended on your peer performance. While 70 is a good score if your school average is around that then its not that great.Check online to look up the average.You might get contacted if its in the higher teirs. I know a few people who have as a result from taken bat
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"Your numbers are way off, but the point is still valid regarding diabetes, even at 1/10th or 1/100th of what you claim. The long term health (and lifespan) implications of diabetes (not to mention the larger ""obesity"" problem) are NOT something to be simply ignored. Likewise with the long term costs/consequence of other health-related problems (STD's, anti-biotic resistant bacteria, etc)."
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The instructions for Form W-7 include a table of exceptions to the requirement to attach a tax return. It looks like you might fall under Exemption 2a, but I don't think there's quite enough information in your question to be sure. The current instructions are here: https://www.irs.gov/pub/irs-pdf/iw7.pdf The table of exceptions runs from page 7 to page 9, so I won't try to reproduce it here.
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US dollars 49.99 for Michelin Bicycle Tires is a rate which can bring can force anyone to buy the tires even if it is not required. The rate seems unreal but this is the exact price of the tire on one of the tire retailers. This sounds unreal but it is actually a reality and you can find affordable Michelin Bicycle Tires online with little research.
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“The plot of land definitely is going to give better results in long term.” Will it? Land is not guaranteed to go up in value. And a car can provide more employment opportunities for you. You need to look at your specific situation—with specific numbers—rather than using rules of thumb as hard guidelines.
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Assuming your only income is withdrawals from the 401k, the thing that determines the tax rate on your 401k withdrawals is how much money you draw out of the 401k in a single tax year. The money counts as income when you take it out. If you withdraw $100,000 from the 401k in a single year, you'll be in a higher tax bracket than if you withdraw only $30,000 in that year, but your earnings in previous years are irrelevant.
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Hedging - You have an investment and are worried that the price might drop in the near future. You don't want to sell as this will realise a capital gain for which you may have to pay capital gains tax. So instead you make an investment in another instrument (sometimes called insurance) to offset falls in your investment. An example may be that you own shares in XYZ. You feel the price has risen sharply over the last month and is due for a steep fall. So you buy some put option over XYZ. You pay a small premium and if the price of XYZ falls you will lose money on the shares but will make money on the put option, thus limiting your losses. If the price continues to go up you will only lose the premium you paid for the option (very similar to an insurance policy). Diversification - This is when you may have say $100,000 to invest and spread your investments over a portfolio of shares, some units in a property fund and some bonds. So you are spreading your risks and returns over a range of products. The idea is if one stock or one sector goes down, you will not lose a large portion of your investment, as it is unlikely that all the different sectors will all go down at the same time.
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That's what I was thinking right near the end. I didn't want him to essentially sell his business for $150,000, when he could easily walk away from there with $0 and get his investment from an outside source. I still think it's risky to accept the royalties in exchange for full equity, but I'm glad he didn't give up any more than 30%!
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I am just a C student with no hope for grad school, so you are going to have to walk me through this... The ECB (until recently), Japan, and the Swiss have been running QE programs equal to that of the Fed's in 2009 for the last couple of years. That's an extraordinary amount of money being created... what's more, is that the Swiss are even buying shitloads of American equities with it. Perhaps my understanding of M2 is flawed, but how would the Swiss national bank buying $63B in equities change M2? It's not like the fed is printing the money specifically for the transaction. The amount of QE being pumped into a healthy economy over the last couple years should be concerning, if only because it's unprecedented, especially since some of it is being directly invested into equities. I don't think there is a viable argument that can truthfully say that it isn't a pretty large variable in the market today.... but I could be wrong. Also, I've read enough, and heard enough, on how the inflation rate is measured to cultivate a healthy skepticism for the entire metric. The way they choose baskets, while obviously the best possible, is not something that lends itself to precision. Please be kind to my grammar.
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Yes, it's possible (and quite legitimate) to do that using depreciation expenses. While there's a large up-front cash expense (a capital expenditure), you then get many years (depending on the usable life of the asset) of depreciation expense that reduces your taxable income. Many capital-intensive businesses can be attractive for just that reason (for example, real estate). Your question is a bit of a reverse on the common criticism that companies overemphasize non-GAAP numbers (like EBITDA) to appear more profitable (or profitable at all) compared with their GAAP Net Income. But it is certainly true that plenty of companies (especially private ones) factor tax considerations into capital expenditure timing and choices.
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I remember a blogger doing a survey of favorite chain burgers and we thought McDonald's and bk would be right at the top, but it was Wendy's as the overwhelming winner by far. I'd say the freshness and quality did it for them
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Microsoft is already paying Firefox for distributions (which may explain why Google is cutting them off). I wonder when Google will pull the plug on Ask.com? Ask is the largest subsidized advertiser on Google by an extremely wide margin. They pay nothing for it... all they do is run AdSense ads and Google takes a cut. Crooked as shit, if you ask me.
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"Some companies have a steady, reliable, stream of earnings. In that case, a low P/E ratio is likely to indicate a good stock. Other companies have a ""feast or famine"" pattern, great earnings one year, no earnings or losses the following year. In that case, it is misleading to use a P/E ratio for a good year, when earnings are high and the ratio is low. Instead, you have to figure out what the company's AVERAGE earnings may be for some years, and assign a P/E ratio to that."
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I think examining the effects and potential implications of China's involvement with the stock market may be productive. Some interesting examples would be the failed market circuit breakers and the restrictions of short-selling in 2016. Not sure that this would qualify as a real topic, but may give you food for thought.
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"Occassionaly a trader will make a blatant mistake. A customer calls to buy 100 shares at $10, and the trader by mistake enters ""10 shares at $100"". You get one very happy seller :-) In the USA, it doesn't happen often for sales, because if the trader offers to sell 10 shares at $100, there will be nobody accepting the other. In Japan, with one dollar equal to 120 Yen, the same mistake would mean that someone wanted to sell 100 shares at 1200 Yen, and the trader enters 1200 shares for 100 Yen, then you will get a happy buyer, and a massive loss."
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I did a brief analysis during my undergrad on the sustainability of Subprime Auto-Loans ...there was definitely a lot more information that I could have included in my research. IMO it'd be a decent topic that would be perfect for a quantitative argument.
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"Appeal to Authority - Using an authority as evidence in your argument when the authority is not really an authority on the facts relevant to the argument. As the audience, allowing an irrelevant authority to add credibility to the claim being made. That is what I've been getting at in my comments. You kept saying you have more experience so I brought up that I've actually studied economics. Then I immediately followed it up with that, despite my studies, that doesn't mean I'm right just like your experience doesn't mean you are correct. That was my whole point and why I brought it up. Experience or ""authority"" doesn't mean you are correct. It's like saying ""I'm older so I know better."" But, you kept pressing forwards with ""I have more experience and more academics than you,"" and even calling me kiddo despite not knowing my age, so I went and grabbed a link to a consensus of 600 people who are considered experts in this field that disagreed with you. Each personal individually would trump your experience, let alone 600 of them collectively. As far as my first source, it doesn't matter. I can go find more if you want. I stand by my claims because I've also seen it elsewhere. Sorry I didn't send you 10 links instead of just one, and now I'm in mobile so I can't easily discuss it. As far as your source that discusses academic leanings, I'm intrigued with its findings, because it appears to be reputable, and plan to look over it. I've personally said for awhile that when faced with new facts/evidence I'll consider it in regards with my position, and will change my position if the evidence appears to line up. I've done it before and I'm not so prideful to not do it again. Besides, that's what people should do instead of just digging their heels in because they don't like what they hear."
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Um bad behavior? Are you a school marm? I made a decision and will pay my way out of it, but maybe someone out there wouldn’t mind helping some random person- like me- out. Someone who doesn’t use credit, ever, except for in this scenario. If you’re not gonna read the post and are just looking for someone to talk down to, I can’t take your opinion seriously, because you’re obviously just a prick. Thanks for quoting that data, you’re a lifesaver!
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If you want to subcontract some of your excess work to somebody else, you better be in business! While some kinds of employees (e.g. commissioned salespeople) are permitted to deduct some expenses on their income tax, generally only a real business can deduct wages for additional employees, or the cost of services provided by subcontractors. Do you invoice your clients and charge HST (GST)? Or do you tell your clients each pay period how many hours you worked and they compensate you through their payroll system like everybody else that walks through the door? If you're not invoicing and charging HST (GST) (assuming you exceed the threshold, and if you have too much work, you probably do!), then perhaps your clients are treating you as an employee – by default – and withholding taxes, CPP, and EI so they don't get in trouble? After all, Canada Revenue Agency is likely to consider any person providing a service to a company to be an employee unless there is sufficient evidence to the contrary, and when there isn't enough evidence, it's the company paying for the services that would be on the hook for unpaid taxes, CPP, and EI. Carefully consider what form of business you are operating, or were intending to operate. It's essential for your business to be structured appropriately if you want to hire or subcontract. You ought to be either self-employed as a sole proprietor, or perhaps incorporated if it makes more sense to your situation. Next, act accordingly. For instance, it's likely that your business should be taking care of the source deductions, CPP, and EI. In fact, self-employed individuals shouldn't even be paying into EI – an independent contractor wouldn't qualify to make an EI claim if they lost a contract. As an independent, one doesn't have a job, one has a business, and EI doesn't cover the business itself, only the employees that the business deals with at arm's length. As a business owner, you would be considered non-arms-length, and exempt from EI. Growing your business in the way that you are suggesting is an important enough a step that you should seek professional advice in advance. Find a good accountant that deals with self-employed individuals & small businesses and run all this by him. He should be able to guide you accordingly. Find a lawyer, too. A lawyer can guide you on how to properly subcontract others while protecting you and your business. Finally, be mindful of what it is you agreed to in your contract with your client: Do they expect all services to be performed by you, personally? Even if it wasn't written down who exactly would be performing the services, there may be an assumption it's you. Some negotiation may be in order if you want to use subcontractors.
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"Personally, I love my 5"" nexus5. The only real stretch for me it's an extreme top left corner. However, most UX designers recognize this and only rarely used controls are up there. One handed gaming is not a problem, and the phone fits in my pocket quite nicely. Probably not in women's pockets, but they are not usually designed to carry much anyway... Women carry purses."
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Are you kidding? Electric cars can be faster than gasoline powered cars. But do you know what the real advantage is? Car design is limited by having a big, heavy engine and transmission. Plus you have to put the gas tank somewhere safe. Electric cars do away with all that. It will *dramatically* change handling, braking and building a safety cage. Electric cars will completely outperform gasoline cars. No question. Also, the electric cars should have many fewer parts and be more reliable. The future is electric. And you’ll love it.
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Im gonna make up some numbers for this teaching moment. 2011: $60,000 2012: $50,000 2013: $100,000 2014: $70,000 2015: $60,000 2016: $75,000 2017: $90,000 2017 is the highest number since 2013. But before we had 2017 data, we only had up to 2016 data. In 2016, 2016 was the highest number since 2013. We couldn't say the same about 2015 though. In 2015, 2014 was the highest number since 2013. Such short timetables are kinda ridiculous to even claim. This type of number is only meaningful if its a big number of years like biggest deficit since 1953 (60ish years ago)
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Can't really blame them. It's bad enough just trying to stay regional much less within the US. Levi's built a manufactoring plant in Haiti and just walked away from it without making anything. I wonder if the manufacturing could take place on an oil tanker traveling back and forth from India?
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I see a lot of you arguing the potential future reality and also the reality we live in now. I think everyone's arguments are moot as there will be no stopping this evolution. What law or social faux pas has ever stopped people from doing what they are going to do? tl;dr- it is inevitable, and I for one welcome our new cyborg overloads.
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Booking of computer services and repairs advertisement helps a lot in providing you great and easy solutions with Book My Ad. These computers ads provide easy clients to the dealers. Get offers and discounts, for more info call us at 8800334456.
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A/R-A/P are accounting side, doubtful they will need knowledge of SQL. That is more the trading floor/Risk Management sides or people using large volumes of data from my experience. To be honest 1-2 years of experience is used as a deterrent for people like you, that just graduated. Use any contacts you have at all, and if those are exhausted go and speak to someone. I can assure you that speaking to someone will get you much farther than just submitting an application online. Good luck and make sure the job is a right fit for you.
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Stripe Atlas helps with this. They form US companies for foreign solo entrepreneurs and get them US bank accounts. Another thing to remember with banks though, it doesn't matter what the compliance documents say, money talks. So your troubles will more likely stem from the amount of money you need to put in banks, more so than what the rules are.
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"The policies he claims to support put him pretty far out of that camp. Immigration, at least the policies hes claimed to support, trade (dropping of TPP, claiming to renegotiate NAFTA, etc), cutting financial support for global political organizations and dropping out of the Paris agreement and in general his ""America First"" platform. Now how these actually play out is a matter of several other factors and could have just been campaign promises, but in general his formal positions put him pretty far away from globalist camps. Although, I was specifically talking about Zuckerberg here, not so much President Trump in this situation."
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"The one thing that I saw in here that raised a big red flag is that you said you ""overpaid"" on your interest. ALWAYS make sure you tell them that any extra money should be applied to principal only, not to interest. You accrue interest based on your outstanding principal amount, so getting that lower reduces the overall amount of interest you end up paying. Paying the interest ahead saves you nothing. However, make sure you pay the current interest owed that month. They can capitalize past due interest - in affect, change that to be considered an addition to the loan principal amount and you end up paying interest on the interest."
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"VaR is statistical, so you can set the confidence interval to 5%, 1%, 0.01%, etc. VaR is the same thing as standard deviation applied over a specific time frame, its just a matter how you come up with it. For example the 95% VaR is something like 1.65 standard deviations of the returns. as you increase the number of std dev (Z score), you're confidence interval widens and you capture more of the outliers. if you set it to 99.99%, you can envision the return distributions for all but the .01%. choose between the 2? VaR is more practical on a day to day, but shortfall is better for extreme events, like 2008 when lehman collapsed or the russian debt crisis when yields blew out. VaR has a lot of caveats about it, in that it considers everything ""under normal market conditions"". reality is, under normal market conditions, you're less concerned about risk. you want to know expectations when things go really wrong. VaR is best used as part of a risk management package, in conjunction with stress tests, duration/ DV01, liquidity analysis, etc, but its sort of leaves a lot of holes as a standalone. from a reporting and regulatory standpoint, VaR is generally accepted, and many firms reporting one day VaR in their financials (JPM, Goldman). tracking error tends to be company specific. from what i've seen, its mostly funds who have to manage to a benchmark, like a pension or FoF with a specific mandate, so they can't have too much deviation from that. you'll see this with beta too, but its the same idea. capital adequacy is slightly different from market risk. your PB or whoever will asses your portfolio holdings and apply a haircut to them based on risk and liquidity. for example you'll get close to 100% margin credit for stocks, but only a fraction of that applied to your account for a CDO^2 since liquidity is non-existent."
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"Do not give them any money until you have a signed contract that releases your liability completely. It's imperative that this contract be drafted correctly. The contract needs proper consideration (money in exchange for release of liability), among other things. In other words, talk to a lawyer if you want to go this route. If you just cut them a check, there's nothing stopping them from taking your money and making an insurance claim anyway, or taking your money and then suing for ""whiplash"" or some other fake injury. The best way is just to go through insurance. It might cost a bit more, but you're covered in case they sue."
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> PPs I don't know about anyone else, but I hardly ever use Reddit desktop. Mobile app only for me. from the article: > Raising $200 million in 2017 to help redesign a desktop webpage may strike some as odd. But 80 percent of Reddit’s 300 million users still visit Reddit on the web, Huffman said, so its desktop audience is still a major priority.
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Absolutely nothing will happen. These credit history companies have no scruples and no reason to give a damn about consumers. Every recourse you have to fix inaccuracies in your credit history were won with legislation or litigation. They don't care about you.
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"The account I have found that works best as a HSA is Alliant Credit Union. They have fee-free HSA (no fees for almost all types of transactions or monthly fees) and a fairly decent online banking website. I've been with them for about 5 years now without trouble. FYI - They are a credit union not a bank so you do have to make a small $10 donation to one of their charities to become ""eligible"" for opening the account."
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The government wants money and isn't particularly interested in you getting your deductions right. Doing the worksheet on the back of the W-4 will give you a much better idea of how many deductions you can take. While many people are excited to get a tax refund, a refund means you loaned the government money all year long without getting paid interest for your generosity. The IRS will penalize you for underpaying your taxes in amounts larger than $1000 or 10% of your income, but a good ballpark estimate aiming for about ~$100 in payment at tax time is a relatively safe way to get all your money sooner than later.
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When you own a share, you also own a vote (in most cases). That vote is your means of controlling the assets and management of the company. If you had enough votes and wanted to trade a share for an iPhone or liquidate the company entirely, you could do it. The only thing that prevents you from doing that is that companies are not set up to handle the transaction that way. Stock holders are usually trying to buy investments, not iPhones. There are companies that have more cash in the bank than the market cap (total value) of their stock. They usually don't remain as public companies for long in that case. An investor or group of investors buy them up and split the cash. If you had enough shares of Apple, you could do that to; or, just trade one for an iPhone.
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There is no magical book that talks about the thousands of investment instrument types that are available ranging from brown fields land up to CDS futures and beyond. In addition to the huge number the depth of understanding ranges from knowing that a security type exists all the way up to being able to mark the instrument to market for illiquid instances of the instrument. I have been in the industry for about six years and have a fair understanding of what I would term the basics of most security types (I cannot, for example, mark to market exotic options) but most of my knowledge has come from using these instruments on a daily basis and Investopedia. The basis of my knowledge has come from the CFA Claritas Investment certificate book when I took that exam (and CFA Level 1 but I'd recommend against reading that unless you are taking the exam) and Paul Wilmott's texts on Quantitative finance; mostly Paul Wilmott on Quantitative Finance 2nd Edition. tl;dr: you can't get a good grounding on all security types ; there are far too many. To get a good grounding in the most used takes a lot of effort, much more than a book will give you.
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One of the byproducts of free trade is that there is now a global labor market. So companies routinely review their operations and think strategically about where the company is going. Standard options are: Because the disincentives that once existed in the past are gone (the need for humans to do work, tariffs, regulation, poor infrastructure in the developing world), the available supply of labor is greater and demand lower -- thus wages are falling in real terms. Think in the simplest terms in an office environment. In 1980 to make photocopies, you needed a Xerox machine that required a technician on site every couple of weeks to make adjustments, change toner, etc. There was probably a local rep you called to schedule break/fix serivce. Now technology has replaced that copy machine with a cheap multi-function device that requires no maintenance and any technical support is delivered by a person sitting in a Indian call center. So to answer your question, the incremental money from rising prices goes to a number a places. Alot of it goes to oil producers and other commodity producers. Much of it consists of indirect costs that fulfill other mandated services -- when you buy something, buried in that cost are things like health insurance, prescription drugs and school taxes.
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