it is possible that if you do not accept the offer, they will try offering you an even lower rate.  if they offered you close to 0%, you could start carrying a balance and find a better use for the cash you would have spent paying it off. there are plenty of investments with a guaranteed return of over 0%. personally, i am using a 0% offer from one of my cards to invest in the stock market.  i might lose that bet, but on average over the last 10 years, i have not. a pretty safe bet would be paying down your mortgage, or buying a cd that matures when the offer ends. that said, even a 10k$ balance might only pay you around 300$. is that worth the hassle to you?


Holy shit man, you must have some deep seated issues to get this bent out of shape about the way people choose to buy their mattress.  FYI: most of the major online mattress companies offer something like a 100 day no questions asked return policy, which is a hell of a lot longer than the minute or so people usually spend on the in-store models. Let me name you a few reasons why this “know-nothing millennial” purchases their mattress online:  * You don’t have to deal with annoying sales people * You can actually read the good and bad customer reviews about the product you are about to spend 1/3 if your life on * You don’t have to deal with annoying, uninformed, money-grabbing sales people * Consumer reports has a review for the exact model you intend to buy online versus whatever 12 in-store mattress are the flavor of the month  * You can get a VERY comfortable mattress for 2/3 or 1/2 the price of an in-store mattress * Did I mention that you don’t have to deal with cost-inflating-so-they-get-a-bigger-bonus sales people?


i dont think hulu was a publisher created website. hulu started up and was aggressive in securing all those licenses and rights. now they are the one-stop shop.  edit: actually on the wikipedia, Hulu is a joint venture of nbc/fox/abc. my bad.


"I agree with you in that I think social pressures can contribute to the abandoning of STEM subjects at a young age. However, I would argue that these biases are experienced by both young men and women. I can't recall there ever being a situation where a subject was viewed as ""neerdy"" or detrimental to the social standings of female students but not male students.   What I think holds more weight is the idea you last mentioned, which was the need for female students to be encouraged. Personally, I believe that the outdated chauvinistic views of older genrations is still spilling into younger genrations (in the form of parents and teachers/counselors). While the article is quite lengthy, a big portion of it discusses how male students were encouraged to ""tough out"" classes/subjects when they began to face difficulties. Whereas female students ""receive fewer arguments from their parents, teachers or guidance counselors if they drop a physics class or shrug off an AP exam""."


All of the answers given so far are correct, but rather narrow. When you buy a 30-year-mortgage, you are buying the right to pay off the debt in as long as 30 years.  What you pay depends on the interest rate and how long you actually take to pay it off (and principal and points and so on). Just as you are buying that right, the mortgager is selling you that right, and they usually charge something for it, typically a higher rate.  After all, they, and not you, will be exposed to interest risk for 30 years. However, if some bank has an aneurism and is willing to give you a 30-year loan for the same price as or lower than any other bank is willing to go for a 15-year loan, hey, free flexibility.  Might as well take it.  If you want to pay the loan off in 15 year, or 10 or 20, you can go ahead and do so.


"In addition to individual stocks, your entire portfolio will also have a beta.  It would be equal to the weighted sum of the individual asset betas  So a beta portfolio of 1 would have approximate risk equal to a market index. You would use this to construct a risk level that you were comfortable with, given the expected return of the individual assets.  You are also interested in obtaining a high level of ""alpha"" which means that your portfolio is earning more than what would be expected, given it's level of risk."


Are you willing to risk the possibility of investing to prepare for these things and losing money or simply getting meager returns if those crises don't happen? Just invest in a well diversified portfolio both geographically and across multiple sectors and you should be fine.


so i'm an older millenial living in a large metro. I'm in a situation where the trendy urban/downtown neighborhoods apts/condos are way to expensive for me because the demand is so high, but up until recently i can't afford a house in the outer, newer burbs either. so i'm left renting apartments in inner suburbs.


"> That's like a palm reader predicting that someone is going to die.Well no shit, I'm sure someone is, somewhere, at some point.   So are you saying it's obvious to everyone muni's are on their death bed, and its not about ""will"" they die, but ""when?""   Or are you saying that a total return of 30% over 4 years is bad?  Because if you're not saying either of those things then I'm not sure what you disagree with."


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"The ""must be postmarked"" language might be just from the old bank itself, not from the IRS.  The language I see in Publication 969 only says ""You can make contributions to your HSA for 2014 until April 15, 2015."" In this case, it is understandable that the credit union you have the new account with does not want to accept the contribution for tax year 2014.  You didn't have an account with them in 2014.  You didn't even send out the paperwork to them to open the account until last week, and they didn't open your account until this week, after the deadline. It is unfortunate, but I don't think you'll be able to force them to do anything differently here.  It is just too late. I do know how that feels.  I had a somewhat similar circumstance with my HSA, the first year I had the account.  I contributed money to the HSA using my credit union's website, transferring money from my checking account into my HSA, as I was told to do.  In January and February of the following year, I made more contributions this way, thinking that I was making them for the previous tax year.  However, they never got coded correctly by the credit union, and I later found out that the credit union counted those as contributions for the current year.  As a result, I was essentially denied the full contribution limit for that year, and had a bit of a paperwork nightmare.  Now, if I have to make a prior year contribution, I only make it in person, and they have a form they have me fill out each time I do."


"In the course of one's spending, it's not tough to find things that are going to be that expensive.  A median income is in the $50K range in the US. The diamond folk advertise that one should spend 3 month's salary on an engagement ring. Even with a decent income, I spent zero. My wife was practical, not interested in jewelry, and wanted a big house. The money went to the downpayment. The house cost 2.5 years salary at that time.  A car, even used, will cost some month's salary.  If that $50K earner is saving, has an emergency account, and is on track with their financial long term goals, a week's pay can buy a nice sized TV.  A nice vacation can cost a week's pay to a month's pay.  Your question is great, although it shows a concern that's typical very early on in one's career. There are related question here about ""how can I spend more?"" They tend to come from someone living on a student budget that now has an adult's income from a desirable job. The answer is to sit down, list your monthly spending, properly budget a decent portion for savings, and see how much you have for frivolous spending. Keep in mind, it's easier to sock it away now. No house, no kids, etc. When we were first married, we lived on my wife's income (in effect) and socked mine away. The house tightened the budget, as did the kid.  In the end, the PS4 is less about the $400 than it is about the rest of your finances."


"On 3# - My company is constantly complaining about saving money, cutting costs.  Then we have these events, and banners, and trinkets and bullshit about our new ""mission statement"" - everyone here just sees them pissing away money (millions) while bitching about money.  That's a fucking drag on company morale.  Then again, #8 - my job is being phased out, so it's not like I really like this place anyway."


This is to protect your position in specific highly volatile market conditions.  If the stock is free falling and you only have a stop order at $90, it's possible that this order could be filled at $50 or even less. The limit is to protect you from that, as there are certain very specific times where it's better to just hold the stock instead of taking a huge loss (ie when price is whipsawing).


"My dad uses CenturyLink for internet (DSL, only option available in the ""sticks"") and uses another company for television.  I pointed out that he is paying CenturyLink over $75 a month for DSL, when it should be $12.99.  I mentioned they are charging for the entire package.  He insisted he never ordered any of it, but I just chalked it up to a mistake and got it sorted out by calling them.  Maybe he really never ordered it ...   Ugh."


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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Same day shipping?  If that's even possible, that would be pretty FUCKING awesome, but how would that work? Fedex and UPS ship on specific schedules every day. They would have to set up their own distribution service to ship out to specific spots.  If I can get same-day shipping, I would definitely choose that over next-day or two-day shipping. Hopefully it costs somewhere around 6.99 per item w/ a Prime membership.


"Paypal forbids using their credit card service to ""give yourself a cash advance or help others to do so"". For small ammounts you may get away with it but pushing $10K through a PayPal account is going to raise red flags. In the USA it seems that some cards allow balance transfers from other types of loan while others are restricted to credit cards only. So that is a possibility. Another option can be to find a card with a good deal on purchases. Then move your regular purchases to the card and use the money you would normally have spent on purchases to pay off the other loan. Remember credit cards can be either a very cheap way to borrow or a very expensive way. Which one they are depends on how good you are at negotiating the traps they set up for you. If you do use a credit card deal make sure you  Is it overall a viable option? That depends on the details which are not specified in your hypothetical scenario incluing the persons credit rating , what the interest is like on the existing loan and what the expected time to repay the debt is."


Yeah several from bankrate.com:  Seven U.S. states currently don't have an income tax: Alaska, Florida, Nevada, South Dakota, Texas, Washington and Wyoming. And residents of New Hampshire andTennessee are also spared from handing over an extra chunk of their paycheck on April 15, though they do pay tax on dividends and income from investments.   It's safe to assume where Amazon will move will need to be a tax Haven or at least get massive multi billion dollar tax breaks like New Jersey has proposed. They aren't opening a second location as much as they are moving out of the high min wage high tax rates state they are currently operating in.


If you can afford the cost and risk of 100 shares of stock, then just sell a put option.  If you can only afford a few shares, you can still use the information the options market is trying to give you -- see below. A standing limit order to buy a stock is essentially a synthetic short put option position. [1]  So deciding on a stock limit order price is the same as valuing an option on that stock. Options (and standing limit orders) are hard to value, and the generally accepted math for doing so -- the Black-Scholes-Merton framework -- is also generally accepted to be wrong, because of black swans. So rather than calculate a stock buy limit price yourself, it's simpler to just sell a put at the put's own midpoint price, accepting the market's best estimate. Options market makers' whole job (and the purpose of the open market) is price discovery, so it's easier to let them fight it out over what price options should really be trading at. The result of that fight is valuable information -- use it. Sell a 1-month ATM put option every month until you get exercised, after which time you'll own 100 shares of stock, purchased at: This will typically give you a much better cost basis (several dollars better) versus buying the stock at spot, and it offloads the valuation math onto the options market.  Meanwhile you get to keep the cash from the options premiums as well. Disclaimer: Markets do make mistakes.  You will lose money when the stock drops more than the option market's own estimate. If you can't afford 100 shares, or for some reason still want to be in the business of creating synthetic options from pure stock limit orders, then you could maybe play around with setting your stock purchase bid price to (approximately): See your statistics book for how to set ndev -- 1 standard deviation gives you a 30% chance of a fill, 2 gives you a 5% chance, etc. Disclaimer: The above math probably has mistakes; do your own work.  It's somewhat invalid anyway, because stock prices don't follow a normal curve, so standard deviations don't really mean a whole lot.  This is where market makers earn their keep (or not). If you still want to create synthetic options using stock limit orders, you might be able to get the options market to do more of the math for you. Try setting your stock limit order bid equal to something like this: Where put_strike is the strike price of a put option for the equity you're trading.  Which option expiration and strike you use for put_strike depends on your desired time horizon and desired fill probability.  To get probability, you can look at the delta for a given option.  The relationship between option delta and equity limit order probability of fill is approximately: Disclaimer: There may be math errors here.  Again, do your own work. Also, while this method assumes option markets provide good estimates, see above disclaimer about the markets making mistakes.


No, there's nothing special in mutual funds or ETFs. Wash sale rules apply to any asset.


Wow, everyone tells you different investment strategies. You have all your life ahead of you. Your main focus should not be getting the best return rate, but ensuring your existence. Who cares if you get 7% if you'll lose all in the next market crash and stand on the street with no education, no job and nothing to fall back on? I would go a completely different route in your place: The best advise given above was to not consider this as an option to never work again. It's not enough money for that, unless you want to live poorly and always be afraid that the next financial crises wipes you out completely.


Here's the purely mathematical answer for which fees hurt more. You say taking the money out has an immediate cost of $60,000. We need to calculate the present value of the future fees and compare it against that number. Let's assume that the investment will grow at the same rate either with or without the broker. That's actually a bit generous to the broker, since they're probably investing it in funds that in turn charge unjustifiable fees. We can calculate the present cost of the fees by calculating the difference between: As it turns out, this number doesn't depend on how much we should expect to get as investment returns. Doing the math, the fees cost: 220000 - 220000 * (1-0.015)^40 = $99809 That is, the cost of the fees is comparable to paying nearly $100,000 right now. Nearly half the investment! If there are no other options, I strongly recommend taking the one-time hit and investing elsewhere, preferably in low-cost index funds. Details of the derivation. For simplicity, assume that both fees and growth compound continuously. (The growth does compound continuously. We don't know about the fees, but in any case the distinction isn't very significant.) Fees occur at a (continuous) rate of rf = ln((1-0.015)^4) (which is negative), and growth occurs at rate rg. The OPs current principal is P, and the present value of the fees over time is F. We therefore have the equation P e^((rg+rf)t) = (P-F) e^(rg t) Solving for F, we notice that the e^rg*t components cancel, and we obtain F = P - P e^(rf t) = P - P e^(ln((1-0.015)^4) t) = P - P (1-0.015)^(4t)


Track your spending and expected income -- on paper, or with a personal-finance program. If you know how much is committed, you know how much is available. Trivial with checks, requires a bit more discipline with credit cards.


Sorry, but that's a load of sh*t.  The economy tanked in March of 2000 when the tech bubble burst.  Projecting the insane bubble economy outwards showed the debt could be paid off, but it was already over when Bush came into office.  (Tax receipts are backwards looking, the stock market is forward looking.  The world knew in early 2000 that the party was over.)


Hey, I'm also from [Santa Cruz.](http://www.reddit.com/r/santacruzlocals), but not the same one as you. We tried to keep McDonalds (and all other fast food) out for years, but as outsiders began to overrun our town, it became a losing battle. Damn you, Valleys!   Anyway, Go, Santa Cruz!


> (I know someone who was alone, on a Saturday for all women's clothing).  It could get worse. When I was at Sears, it wasn't unusual to have only two or three people for ALL clothing departments at any given time. So someone would have to be stuck with two entire clothing departments to cover.


There is not any fraud involved. Anybody can gift money to another person.


Will the investor beat the benchmark for a given period will follow a Bernoulli distribution -- each period is a coin toss, and heads mean the investor beat the market for that period.   I can't prove the negative that there is no investor ever whose probability function p = 1, but you can statistically expect a number of individual investors with p ~ 0.5 to have a sequence of many heads in a row, as a function of the total population.   By example, my father explained investment scams and hot-hand theory to me this way when I was younger:  Imagine an investor newsletter which mails out to a mailing list of 1024 prospects (or alternately, a field of 1024 amateur investor bloggers in a challenge).  Half the letters or bloggers state AAPL will go up this week, half that AAPL will go down this week.  In the newsletter case, next week ignore the people we got wrong.  In the blogger case, they're losers, so we don't pay attention to them.  Next week, similar split: half newsletters or bloggers claim GOOG go up, half GOOG go down.  This continues for a 10 week cycle.   Now, in week 10: the newsletter has a prospect they have hit correct 10x in a row: how much will he pay for a subscription?  Or, one amateur investor blogger has been on a 10 week winning streak and wins the challenge, so of course let's give her a CNBC show after Jim Cramer.  No matter what, next week, this newsletter or investor is shooting 50-50.   How do you know this person is not the statistically expected instance backed up by a pyramid of 1023 Bernoulli distribution losers?  Alternately, if you think you're going to be the winner, you've got a 1/1024 shot.


"This is the best tl;dr I could make, [original](https://www.cnbc.com/2017/10/20/france-emmanuel-macron-theresa-may-problem-nobody-explained-brexit-consequences-british.html) reduced by 57%. (I'm a bot) ***** > French President Emmanuel Macron told CNBC Friday that the problem that U.K. Prime Minister Theresa May has is that nobody explained to the British people the consequences of a Brexit vote.  > When asked if the European Union would be able to make some verbal concessions to allow May to sell a Brexit deal at home, Macron told CNBC that there&#039;s no room for such unofficial compromises.  > &quot;The objectives are fixed, they&#039;re conducted from the European side by Michel Barnier, and we have to respect that,&quot; Macron told CNBC, referring to the EU&#039;s approach of discussing citizens&#039; rights, financial settlement and the Irish border, before moving on to talks on trade.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/77pzsw/nobody_explained_the_consequences_of_brexit_to/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~232167 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **European**^#1 **told**^#2 **Brexit**^#3 **U.K.**^#4 **Macron**^#5"


A guy who does a sports talk show here in the US can be pretty smart about some things.  His advice:  If you are wondering if something is a good idea, say it out loud.  In his book he cites the fact that people thought, at one time, it would be a good idea to allow smoking on airline flights.  Keep in mind you are using liquid oxygen, news paper, and are 10,000+ feet up in the air.  Say it like that and you hit yourself in the forehead. Read the title of your question in a day or two, and you can answer it yourself with a resounding NO.


"Most people think gasoline = oil.  A title reading ""US now exports more refined products than it imports"" wouldn't sound as good would it?  There is nothing wrong with my reading comprehension but have a nice day whoever you are.  p.s. your comment history is the creepiest thing I have ever laid eyes on"


"Are you being facetious? If so, are you really that dense? Viruses don't have to be on ""the network"" to cause damage. Someone accessing sensitive information from a compromised device could unknowingly leak company secrets. Smartphones and tablets do get viruses, and it only takes one device to see one file that happens to contain sensitive information."


Keep in mind, this is a matter of preference, and the answers here are going to give you a look at the choices and the member's view on the positive/negative for each one.  My opinion is to put 20% down (to avoid PMI) if the bank will lend you the full 80%. Then, buy the house, move in, and furnish it. Keep track of your spending for 2 years minimum. It's the anti-budget. Not a list of constraints you have for each category of spending, but a rear-view mirror of what you spend. This will help tell you if, in the new house, you are still saving well beyond that 401(k) and other retirement accounts, or dipping into that large reserve.  At that point, start to think about where kids fit into your plans. People in million dollar homes tend to have child care that's 3-5x the cost the middle class has. (Disclosure - 10 years ago, our's cost $30K/year).  Today, your rate will be about 4%, and federal marginal tax rate of 25%+, meaning a real cost of 3%. Just under the long term inflation rate, 3.2% over the last 100 years. I am 53, and for my childhood right through college, the daily passbook rate was 5%. Long term government debt is also at a record low level. This is the chart for 30 year bonds.  I'd also suggest you get an understanding of the long term stock market return. Long term, 10%, but with periods as long as 10 years where the return can be negative.  Once you are at that point, 2-3 years in the house, you can look at the pile of cash, and have 3 choices.  We are in interesting times right now. For much of my life I'd have said the potential positive return wasn't worth the risk, but then the mortgage rate was well above 6-7%. Very different today.


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Dollar is the lingua franca of the financial industry and unluckily it is the US currency. It is till today considered the most safest investment bet, that is why you have China possesing $3 trillion of US debt, as an investment albiet a very safe one. Financial investors get in queue to by US bonds the moment they are put up for sale. Because of the AAA rating the investors consider it to be safe at a specific rate. Now when you lower the credit rating you are indirectly asking the US government that you want a higher return(yield) on your investments. When you ask for higher yields, it translates into higher interest rates (money US would get for bonds issued decreases and so more bonds are issued). So you basically start looking at a slowdown in consumer spendings households and businesses. With already defaults, repossesions and lesser spending, the slowdown would increase manifold.


No, you cannot.  The cash settlement period will lock up your cash depending on the product you trade. Three business days for stocks, 1 business day for options, and you would need waaaaaay more than $5,000 to trade futures.


Saving time, even a few seconds to get up and get your phone is nice. Or while you are doing other tasks like putting groceries away. Maybe it is the programmer in me, but I hate stopping a task to do something else. Ruins momentum.


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"This is the best tl;dr I could make, [original](http://www.latimes.com/business/hollywood/la-fi-ct-netflix-debt-spending-20170729-story.html) reduced by 95%. (I'm a bot) ***** > For the year, the stock is up nearly 50%. It closed Friday at $184.04, up $1.36 or 0.74%. But some industry experts are warning of a Netflix bubble that may burst if the company fails to produce enough hit series to keep attracting new subscribers.  > Some of the best-known shows on Netflix aren&#039;t made by Netflix.  > While Netflix continues to outspend competitors, industry watchers debate what type of content Netflix should be splurging on - prestige projects or blockbuster movies? Thought-provoking documentaries or more Adam Sandler comedies?   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6r4sym/notflix_is_20_billion_in_debt_guess_maybe_they/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~181342 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Netflix**^#1 **more**^#2 **year**^#3 **company**^#4 **shows**^#5"


"TARP was ~$475 billion of loans to institutions.  Loans that are to be paid back, with interest (albeit very low interest).  A significant percentage of the TARP loans have been (or will be) paid back.  So, the final price tag of the TARP was only a few $billion (pretty low considering the scale of the program). There is ~$10 trillion in mortgage debt outstanding.  That's a much higher price tag than TARP.  Secondly, paying off the mortgages = no repayment to the government as there was with TARP.  The initial price tag of your plan would be ~$10 trillion, instead of a few $billion. Furthermore how does a government with >$15 trillion in debt already come up with an extra ~$10 trillion to pay off people's mortgages?  Should the government go deeper into debt?  Print more money and trigger inflation? (Note:  Some people like to talk about a ""secret bailout"" by the Fed, implying that the true cost of TARP was much higher than claimed by the government.  The ""secret bailout"" was a series of short-term low/no interest loans to banks.  Because they were loans, which were paid back, my point still stands.)  Some other issues to consider: Remember that the principal balance of your mortgage is only a small portion of your payments to the bank.  Over 30 years, you pay a lot of $$$ in interest to the bank (that's how banks make a profit).  Banks are expecting that revenue, and it is factored into their financial projections.  If those revenue streams suddenly disappeared, I expect it would majorly screw the up the financial industry. Many people bought houses during the real estate boom, when housing prices were inflated far beyond the ""real"" value of the house.  Is it right to overpay for these houses?  This rewards the banks for accepting the inflated value during the appraisal process.  (Loan modification forces banks to accept the ""real"" value of the house.) The financial crisis was triggered by people buying houses they could not afford.  Should they be rewarded with a free house for making poor financial decisions?"


Buy a house when you can, but keep driving your current car until it dies. In ten years' time, a house should be worth more than you paid for it, while a new car will be worth next to nothing. And research shows that buying possessions like cars doesn't actually make you happier, even though you think it will.


So in a ten year history the company makes one misstep (one which makes perfect sense; it was just an error in timing) and we want to throw out all the leadership and take control?   Where is this kind of uproar at investment banks that leveraged themselves out on a limb in stormy waters? Or at Microsoft that routinely pours money down product holes without marketing and advertising support? Or any of a dozen other companies that make stupid decisions driven by the ego or short-sightedness of the CEO?   No, let's beat on one of the best executives on Wall Street because we're whiny about short-term losses in pursuit of long-term gains.   We need more honeypots for stupid investors like Facebook - maybe if enough idiots get burned they'll just get out.


Yes. W4 determines how much your employer will withhold from your wages. Leaving everything at default would mean that your salary is your only taxable income, and you only take default deductions. Your employee will calculate your tax withholding based on that. But, if your salary is >200k, I assume that you have other income (investment/capital gains, interest on your bank account), which you will have to pay taxes on. You're probably going to have some deductible expenses (business/partnership expenses, mortgage interest, donations, college funds etc) as well. So it is very likely, unless you're really not smart about money, that you have more to do with your taxes than just the employers' withholding.


"This is accepted law in Pennsylvania, however, I will defer to your expertise and state that the decades long precedents are incorrect and every judge that allows cases to continue is wrong and you are correct.    The Internet is great for things like that.    Hopefully the next person in court can simply state:  No your Honor, the landlord did not follow established law!   Court rulings be damned.    I was on reddit and /u/OriginalSimba stated unequivocally said that what is happening is ""legally impossible"" and that the decades of precedent that exist is simply because ""the court screwed up"".    Heck, they can take it further to state that ""every lease in Pennsylvania is illegal"".    I offer sarcasm as a response but if this was a single ruling I might agree with you.  It's well established here in the great Commonwealth of PA.  I say it's been around 30 years because I've been a landlord here for over 20 years, and a renter for about 10 or so before that.  The clause has always been there.  The basis for today's laws here in PA are from the Landlord Tenant Act of 1951.  I'm not a lawyer so I can't tell you when the first waiver of rights came about but it's very possible it could go back that far."


I've never forgotten mine either, but it's a constant fear for me. Couple of friends of mine have. I honestly don't know which machines beep and which don't, but I've heard of people forgetting their cards in ATMs, cigarette vending machines, train ticket machines, McDonald's express order machines and some others I can't remember. The screen of these machines always reminds you, and I think it's hard to forget it, but evidently it does happen.   I still use my cards, it's not like I have a crippling fear every time I use it, I just made a habit of always carrying cash and using it for small stuff. I live in Germany, cash is (still?) Accepted everywhere.


Mostly, when an equity's price rises, its statistical and implied volatilities fall and vice versa. The reason why is a mathematical phenomenon mixed with the reality that a unceasingly falling asset price will soon not exist, skewing the results with survivorship bias.   Since volatility is standard deviation of price indexes, a security that changes in price by the same amount every day will have lower volatility, so a rising price will have lower implied volatility because its mostly experiencing positive daily price change while a recently falling price will have higher volatility because factored together with the positive price changes, the negative price changes will widen the standard deviation of the securities price index. Quantitatively, any change, in or out of one's favor, is a risk because change is uncertain, and any uncertainty is a risk. This quantitative interpretation while valid runs almost totally counter to the value opinion, that a lower price relative to value is a lower risk than a higher price relative to value, but both have their place in time. Over long time periods, it's best to use the value interpretation, quantitative for shorter.  Using the opposite has hastily destroyed many a fund manager.


*ALL* phone calls are intrusive. When they are from someone I know, the intrusion is easily forgiven. When it is from a stranger, there is no reason to forgive the intrusion. When that stranger then tries to sell me something, anything, I am immediately cold to their entreaty.  As to alternatives, the [request for proposal](http://en.wikipedia.org/wiki/Request_for_proposal) is worth considering. When I am in need of something, I invite marketers like yourself to submit proposals. In this case, your phone call is much more welcome because I implicitly asked for it.  > if I truly believe that the product I'm selling is going to improve your life, it would be incredibly fucking rude not to give you the opportunity to obtain it.  Incorrect. You are putting yourself in the position of the evangelist, so consider the perspective of [atheists on Christian evangelism](http://atheism.about.com/od/atheismatheiststheism/a/ObjectEvangeliz.htm).


Denver has a lot of Whole Foods locations because they are stores that were taken over when Whole Foods acquired the Wild Oats chain that started in Colorado. I'm really surprised that it is currently fulfilled by Sprouts... I wonder if that will change?  I would think that Sprouts would be absolutely feeling threatened by this Amazon move to buy Whole Foods.


As a tourist, you will definitely find New York to be one of the best places to visit during the summers as well as winters. Through our company website which you can save lots of money by selecting the cheap hotels and other transport. Hotels in New York are the most important thing to know about at the time when you are really willing to visit New York City. With TravelGuysOnline travelers may face not anyone difficulty in searching and selecting Cheap accommodation in New York City.


But investing into your own company is already a tax deductible event. Expenditures like Research & Development, employee compensation, and acquiring new equipment are all things that reduce taxable income.  https://www.usatoday.com/story/money/markets/2016/05/20/third-cash-owned-5-us-companies/84640704/  > Apple (AAPL), Microsoft (MSFT), Alphabet (GOOGL), Cisco Systems (CSCO) and Oracle (ORCL) are sitting on $504 billion, or 30%, of the $1.7 trillion in cash and cash equivalents held by U.S. non-financial companies in 2015, according to an analysis released Friday by ratings agency Moody's Investors Service.  That's even more cash concentration than in previous years, as these five companies held 27% of cash in 2014 and 25% in 2013. Apple alone is holding more cash and investments than eight of the 10 entire industry sectors.  1/3 of all dollars created by the US Federal Reserve banking system (physically minted or otherwise) is collectively held by 5 companies. Companies exist to accumulate wealth and will seek to avoid unnecessary expenditures, which includes taxes.  The corporate income tax rate is 35%. For individuals, the top income tax bracket (for every dollar of income above $400,000) is 39.6%.  I argue that dropping the top individual income tax bracket down to 34% will not materially affect these companies (paying 35% income tax) from continuing to just sit on a ludicrous sum of wealth.


As the name says, its for income earned in a Foreign country. If you have been paying US income tax on this while living in the US, nothing is going to change here. You should be informing yourself on how to avoid double taxation in your new country of residence. Passive income earned abroad (dividends, interest) also do not fall under this exemption.  The purpose of the Foreign Earned Income Exclusion is to make it easy for expats who work abroad to avoid double income taxation without going through the complicated process of applying for tax credits. The US is the only industrial country that taxes its residents regardless of where they reside. That is also why it only goes to about $100,000 a year. If you are a high earner, they want to make it more difficult. Also as a side note, since you are going to be abroad for a year. I will point out that if you have more than $10,000 in foreign accounts at any point in the year you need to declare this in an FBAR form. This is not advertised as well as it should be and carries ridiculous penalties for non-compliance. I can't count the number of times I have heard a US expat say that they were unaware of this.


Stockpile?  No. Keep a few around?  Sure, if you are a collector.  I used to collect pennies and I thought the steel pennies from WWII were neat.  I do believe I paid about $0.01 for them at the coin shop.  They might be worth $0.15 if in great condition today. No harm in finding $20 worth of really nice nickels, maybe in chronological order and from the different mints.  Put them in a collector case so they stay nice and chuck them in your fireproof safe with your house deed and insurance policies. But I don't think you are going to hit it particularly big, but it might be a nice thing to pass along as an inheritance.


Social contract is what makes a society work.  I don't see how it is rooted in theft.  If an individual doesn't want to honor it, I suppose the proper thing to do is to leave and find a place that better suits them.  One story I've read of people renouncing their US citizenship was about expatriates who can't afford to pay US taxes on top of local taxes.  I can empathize with a situation like that.  At least they're not trying to have it both ways by not paying taxes and remain US citizens.


This is just a byproduct of high margin, low fixed cost businesses. They are retaining shitloads of earnings with little need, or even ability, to deploy it.   Their growth strategy is probably acquisition based as well (hello Whole Foods), so having billions on the sidelines is optionality to execute quickly on an opportunity if/when it presents itself.


"Has anyone ever proposed significantly lowering the US corporate tax while simultaneously raising dividend taxes for high income earners? Hell, many economists believe that corporate income should be taxed at 0%. If you do this but are worried about ""teh evil corporations"" becoming too big and powerful, that's what a high tax on dividend income is for. You can't personally become rich from a corporation without earning dividend or salary income from a corporation's coffers."


I didn't  say...  >If a business cannot afford to provide its workers a livable wage, it is a failure as a business.   You did. I just wondered if you had any education or experience to back that up or of you're just spouting off on a subject you don't understand.   You've answered my question. Thanks.


Shinmaywa submersible pumps Submersible pumps play an important role in making sure water doesn’t pool in a home’s basement or is transported to the proper location throughout a building. Sta-Rite pumps are used in both residential and commercial construction and they have some very important features that make them popular among contractors today.


I'm in the US as well, but some basic things are still the same. You need to trade through a broker, but the need for a full service broker is no longer necessary. You may be able to get by with a web based brokerage that charges less fees. If you are nervous, look for a big name, and avoid a fly by night company. Stick with non-exotic investments. don't do options, or futures or Forex. You may even want to skip shares all together and see if UK offers something akin to an index fund which tracks broad markets (like the whole of the FTSE 100 or the S&P 500) as a whole.


Perhaps it seems harsh, but I would get separate accounts: credit cards, savings, retirement, all the way down the line.  Your only joint account should be for paying mortgage/rent and other bills.  And as another poster said, delete all your saved info from browsers &c.  Perhaps you even need to set up separate user ids. If this really is a case of compulsive spending, curing it is likely to be a long, hard process, if it's even possible.  You need to put yourself in a position where you won't be dragged down with him.


Gods are supposed to exist independently from humans - that's part of the belief. Other than that, we really have mapped out old faiths onto the new structure. We are told to have faith, keep our heads down and behave, and we'll have a pleasant retirement (i.e. afterlife). The market will provide, God willing...


Tax obligation for your parents: NIL The transfer would come under the Gift Tax act. There is no limit on the amount for near relatives. So you can send unlimited amount to your parents and this would not be taxable. However if you parents invest this in FD, Interest on savings, etc ... this income would be taxable.   Nope there is no tax exemption for you on this amount.


I moved from contributing 10% to maxing as my salary rose over the course of three years after graduation.  Because of my raises, my monthly take home still increased, so it was a pretty painless way to increase my 401(k) contribution and also avoid lifestyle inflation. That said, I would not do it if you have any credit card debt, school loans, or an auto loan.  Pay that off first.  Then work on maxing the 401(k).  Personally I rate owning a home behind that, but that's partially because I'm in an area where the rent ratios are barely on the side of buying, so I don't find buying to be a pressing matter. One thing to investigate is if your company offers a Roth 401(k) option.  It's a nice option where you can go Roth without worrying about income limits.  My personal experience does not include a Roth IRA because when I still qualified for one I didn't know much about them, and now that I know about them I have the happy issue of not qualifying.


Depends. I recall *healthy* food like grilled chicken and veggies being less expensive in Ireland compared to when I returned to the US.  But a family-sized bag of candy? Cheaper in the US. In fact, grab three because the third is free after you buy your second!


"I think you misunderstand the purpose of the liability account.  I would suggest you review the standard accounting model, but to give you a brief overview: Income and expenses are money coming into and out of your possession.  They are the pipes flowing into and out of your ""box"".  Inside your box, you have assets (bank, savings, cash, etc) and liabilities (credit cards, unpaid debts, etc).  Money can flow into and out of either asset or liability accounts, for example: deposit a payment (income to asset), buy office supplies with cash (asset to expense), pay a bill with credit card (liability to expense), customer pays one of your debts directly (income to liability).  Paying off a debt with an asset does not affect your overall net worth, so paying a check to your credit card bill (asset to liability) doesn't decrease your total balance, it merely moves the value from one bucket to another. Now to your question: Mandatory payments, such as taxes or insurance (or for that matter, utilities, rent, food- all things that ""must"" be bought occasionally) are not liabilities, instead they are all expenses.  They might be paid FROM a liability account, if they are paid on credit for example, but the money still flows from liability to expense.  In my own records I have Expense:Taxes and Expense:Insurance, with sub-accounts in each.  Where the money comes from depends entirely on how I pay my bills, whether from cash or banks (asset) or whether it's a charge (liability).  Sometimes you receive payments back from an insurance company.  I find that rather than treating insurance premiums as a positive balance in a liability (with eventual payments as debits to the liability account), it is better to treat any payment from the insurance as income. Hope that helps!"


The equity you have is an asset. Locked away until you sell, and sometimes pledged as a loan if you wish. The idea that it's dead money is nonsense, it's a pretty illiquid asset that has the potential for growth (at the rate of inflation or slightly higher, long term) and provides you an annual dividend in the form of free rent.  In this country, most people who own homes have a disproportionate amount of their wealth in their house. This is more a testament to the poor saving rate than anything else. For me, a high equity position means that I can sell my home and buy a lesser sized house for cash. I am older and my own goal (with the mrs) is to have the house paid and college for the kid fully funded before we think of retiring. For others, it's cash they can use to rent after they retire. I hope that helped, there's nothing magic about this, just a lot of opinions.


Take a look at Everbank. They offer CDs and Money Market Accounts denominated in Euros for US residents.  https://www.everbank.com/personal/foreign-currencies.aspx


Well, you still have to pay to ship & store paper, ink, binding materials, and book-binding printers & parts.   If only there was some kind of electronic “infinite page” device that would offer truly zero marginal distribution cost. Maybe they could give it a snazzy name like *Kimble* or something. :P  Of course I’m kidding, if someone wants a printed book that’s what they want.


I would focus entirely on the emergency fund first and get it built up as fast as you can.  Once that is in place, you've got a cushion that will keep you from going into debt in an emergency.  Depending on your monthly expenses, $2000 seems low for that.  I'd aim for 3-6 months worth of expenses. Note that this is $800 less than your monthly income because of your savings. Once you have your emergency fund in place, then follow a formula like @MrChrister's to invest for retirement and save for future major purchases (car, house, vacation, etc).


"This is the best tl;dr I could make, [original](https://www.theguardian.com/science/political-science/2017/jul/21/concorde-was-the-flying-brexit-a-different-era-but-the-same-mistakes?CMP=Share_AndroidApp_reddit_is_fun) reduced by 90%. (I'm a bot) ***** > Concorde, the fastest lame duck ever built, was a flying Brexit.  > What did politicians say about Concorde? Well, Concorde was not only going to bring supersonic speed to civil air travel, but also ensure that Britain could capture a crucial new export market and create a world-beating aviation industry in the coming supersonic revolution.  > As secretary of state for industry, Tony Benn revealed to parliament in 1974 that Britain would not recover any of the &pound;600m that the government spent on Concorde.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6opnmm/concorde_a_different_era_but_the_same_mistakes/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~172326 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Concorde**^#1 **Britain**^#2 **government**^#3 **project**^#4 **cost**^#5"


"College courses focus mainly on theory. In the real world you'll need to learn the tools to gather and analyze the data.  For the most part what is taught in college is pretty worthless. I remember my database class in business school was about ""database theory"". Is was a complete waste of time and money. Didn't learn a single useful thing.  Learning these hands on things will put you ahead of 95% of your peers.  SQL is the coding language used in data bases  R is used for statistical analysis   OBIEE is a reporting tool that can link to data bases then report the data  Tableau another reporting tool the is more visual than OBIEE  None of the things are difficult to learn. So don't be intimidated.   TLDR I learned more by spending $100 on udemy then in college."


I'm delighted that the people who work for me fly in the appropriate class. I want them to arrive fresh, rested and prepared to do a great day's work.  If I'm paying for an employee to fly somewhere it's because they're smart, capable and are going to create value at their destination.  As a shareholder, why would you want them turing up tired, fractious, annoyed and unhappy?


Get a wide range of services for cylinder heads by reaching out to a competent company. From reconditioned cylinder heads to crack testing, chemical cleaning, grinding, manifold repairs, injector tube fitting, wet blasting and valve guide repairs you will get all these services at such companies.


Yes, of course there's a fundamental difference between legislation and business practices. But what you just described is the very definition of a globalist:  >a person or organization advocating or practicing operations across national divisions  If you talk a big game about restricting people from coming to one place, while you work a business that makes money from everyone all over the world, you're still a globalist.  A true anti-globalist leader would do all of his business inside of his chosen country, and would go out of his way to not rely on external markets.


I think it's advisable to exercise a fair amount of caution when posting information about yourself online. With the advances in data aggregation efforts, information that would have been considered sufficiently anonymized in years past might no longer be sufficient to protect you from bad actors online. For example, depending on which state, and even which county you live in, the county recorder's office may allow anyone with Internet access to freely search property records by your name. If they know approximately where you live (geolocation from the IP address that you use to post to a blog--which could be divulged if criminals compromised the blogging site) and your surname, they might be able to find your exact address if you own your home. If you have considerable wealth it could open you to targeted ransom attacks from organized criminals.


"I still don't understand this ""analysis.""  Even when the US became the world's largest economy in 1880, the British Pound remained the reserve currency of choice until the 1950s, some seventy years later!  Investors prefer stability and property rights and the US has both, especially when considering the alternatives, i.e. Euro tax takings on bank deposits in Cyprus.    What about the yuan? China may have recently surpassed US economic power, but it is very likely in the midst of a massive credit bubble. China has also been fudging some of their numbers and in many cases, chooses not to keep economic records at all. The fact that many Chinese elites themselves are buying property in Vancouver and the US as a safe harbor also does not bode well for their systemic problems IMO. I'm sticking with the dollar for now."


I don't think you can always assume a 12-month time horizon.  Sometimes, the analyst's comments might provide some color on what kind of a time horizon they're thinking of, but it might be quite vague.


"YLed by the long-haul segment, sales of WDM gear set a revenue record of $2.6 billion, according to a new quarterly report from Dell'Oro Group. The market research firm says the figure represented a spike of 10% versus the year-ago quarter. ""The WDM market growth isn't slowing down,"" said Jimmy Yu, vice president of optical transport research at Dell'Oro. ""The recent second quarter growth of 10% marked the 18th consecutive quarter that the WDM market has increased. Furthermore, as an indication of the market's strength, 12 of those 18 quarters grew at double-digit percentage rates.""  DWDM long-haul equipment revenue jumped 18% versus 2Q13, while WDM metro equipment sales grew 4% year-over-year, according to the report. ""A number of factors are driving the strong growth of WDM, the most significant of which is the global adoption and penetration of 100-Gbps wavelengths in long haul applications,"" explained Yu. ""It's also one of the reasons why DWDM long haul equipment revenue growth rates have been outpacing that of WDM metro equipment for the past two years."""


"It's one thing to piss off a few million ""regular"" people.   Piss off a couple thousand rich people and you're in real trouble.   Just imagine if there are any politician's details in that high income mix?  What if there's information that's on that CD that isn't in their financial disclosure?  ----  Side note:   People still use CDs?"


Yes this is a scam. Stay as far away as possible. Don't talk or send any messages. The more you talk, she would convince you that this is not a scam. Armed Forces have a very good way of taking care of their people. They don't need to do something like this.


> But, banks won't allow it.  It's not just banks - the Republican party seems to have had it in for the US Postal Service for the past decade.  Possibly because it's seen as trustworthy and effective, so they want to make it worse so people won't have things like that associated with government.  In 2006 at the height of their majorities in Congress they managed to pass that bill that forces the USPS to lose money rapidly, and has been forcing it to lay off people and close post offices and chip away at how convenient and effective it is.  But, postal banking could turn that around.  With it the USPS might bring in some income to balance out the expenses of that 2006 legislation.  People might even object more to post offices closing, or try to reopen them.  It would undermine a major part of Republican policy.


Monopolies are much more likely to come to power if there is no government. Monopolization is a common result of capitalism. Government is the only entity that can challenge a monopoly.  The wars we do not want are the result of our elections. If we had no military and no government, an outside government/military could invade us. That's a much bigger problem than us going to war in far away places.  Stupid, uneducated people won't go away when there's no government. Currently, they are relatively passive. What happens when they can't afford food and the laws are vague and uncertain? They will riot. Or worse. Revolt. Is your private police force going to shoot them? Imprison them? Who is going to pay for that?  We have far more control over the government than we do over big, multi-national corporations. How do you and I have any influence over Comcast or Bank of America? We are helpless against them. Fortunately, they don't have that much power right now. That would change if they took over the police and court system.


"This is the best tl;dr I could make, [original](https://newrepublic.com/article/142368/devastating-effects-dental-inequality-america) reduced by 82%. (I'm a bot) ***** > While America&#039;s private dental industry makes it difficult to institute universal care, the option remains the only salve for our country&#039;s dental inequality.  > She describes efforts to expand the use of auxiliary dental professionals in neglected areas of the country, sending dental hygienists or &quot;Dental health aide therapists&quot; to do tooth cleanings and other routine sorts of dental work.  > No doubt non-dentist dental professionals could be more widely employed, but a system in which the well-off see dentists and the poor see dental professionals with lower levels of training would be fundamentally inequitable.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ejbyh/why_dont_people_just_go_to_the_emergency_room_for/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~133526 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **dental**^#1 **Health**^#2 **care**^#3 **dentist**^#4 **more**^#5"


Their biggest problem is that their main industry is shipping. Anything they could do to their currency wouldn't help the shipping industry at all. They can't even raise taxes, they aren't the only convenience flag in the world and ships are obviously very easy to move out.  The only industry they have that could get any benefit from a devaluation would be tourism, but that would be mostly negated by moving out of the euro.


"This is the best tl;dr I could make, [original](http://larrysummers.com/2017/10/22/one-last-time-on-who-benefits-from-corporate-tax-cuts/) reduced by 90%. (I'm a bot) ***** > The analysis from Hassett, chief of the White House Council of Economic Advisers, relies heavily on correlations between corporate tax rates and wages in other countries to argue that a cut in the corporate tax rate would boost returns to labor very substantially.  > The authors include no corporate tax detail, no recognition of the impact of the tax proposal on asset prices, and no treatment of the budget consequences of tax cuts.  > The newest boldest bit of claim inflation regarding the tax bill comes from the Business Roundtable: &quot;a competitive 20 percent corporate tax rate could increase wages sufficient to support two million new jobs.&quot; This would, coupled with job growth projected even in the absence of a corporate rate cut, take the unemployment rate well below 3 percent! I would be very interested to see the underlying analysis.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/78551e/summers_one_last_time_on_who_benefits_from/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~233281 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **tax**^#1 **corporate**^#2 **rate**^#3 **cut**^#4 **investment**^#5"


In the UK at least, dealers definitely want you to take finance. They get benefits from the bank (which are not insubstantial) for doing this; these benefits translate directly to increased commission and internal rewards for the individual salesman. It's conceivable that the salesman will be less inclined to put himself out for you in any way by sweetening your deal as much as you'd like, if he's not going to get incentives out of it. Indeed, since he's taking a hit on his commission from you paying in cash, it's in his best interests to perhaps be firmer with you during price negotiation. So, will the salesman be frustrated with you if you choose to pay in cash? Yes, absolutely, though this may manifest in different ways. In some cases the dealer will offer to pay off the finance for you allowing you to pay directly in cash while the dealer still gets the bank referral reward, so that everyone wins. This is a behind-the-scenes secret in the industry which is not made public for obvious reasons (it's arguably verging on fraud). If the salesman likes you and trusts you then you may be able to get such an arrangement. If this does not seem likely to occur, I would not go out of my way to disclose that I am planning to pay with cash. That being said, you'll usually be asked very early on whether you are seeking to pay cash or credit (the salesman wants to know for the reasons outlined above) and there is little use lying about it when you're shortly going to have to come clean anyway.


> The main purpose of a corporation is to increase shareholders' wealth. Neither the workers, nor the CEO deserve anything from the profits, their pay has already been deducted as an expense.  This is the modern interpretation, yes. It is NOT the correct interpretation.  It used to be that the purpose of a corporation was to CREATE something - a product, a service...The profits were merely an incentive and a method to *continue* to create something. It is when that definition got corrupted that this whole mess started snowballing. Shareholders were supposed to be supporters of this creation - who were then rewarded for risking their money by having it repaid with a 'bonus' percentage of the profits.   Now that everything is ONLY 'for the profit' only, the creators (not the idea person - the actual, physical *creators* of the product or service) that started the whole thing in the first place are getting screwed. And, yes, they DO deserve some of the fruits of *their own* darn work.  Again, I reiterate: attitudes like that are why the economy is in the crapper. When you put profit before all else and run around screaming 'Mine! Mine! Mine!' about them, then you are engaging in the slash-and-burn policies that are the cause of the whole mess.


Obama never helped with the debt overhand on households as he promised.  All the overleveraged household debt due to homes with first and/or second mortgages that exceeded the value of the home was more or less unrelieved by his HAARP program, and other programs that were supposed to relieve overleveraged households.  So the debt overhand was never addressed and is still being worked through as  millions of homeowners pay down mortgages.  It's going to continue for a few more years, until people start building up equity again.  This all affects the economy, as consumers have less money to buy things with or maintain solvency, as trillions are still being funnelled to finance companies and investors in real estate derivatives.  For example, a large part of the student loan bubble is due to this debt, since many homeowners who would have, in the past, taken out tax deductible equity loans to finance their kids's education, can no longer do so.  Instead, a portion of student debt is being carried by the kids themselves, whoo graduate under debt and can't buy their own homes or spend their paychecks, for years or decades.  There has been widespread non-compliance among banks with Obama's HAARP program and other measures intended to provide homeowners from the housing bubble debt overhang, but the Administration never followed through or engaged in enforcement actions that encouraged compliance.  Those programs were therefore ineffective and/or were always intended just to be window-dressing, or faux achievements.  The banks are still raking in trillions of undue profits from overpriced mortgages created during the housing bubble their practices helped create.  Those trillions are coming out of the rest of the economy, where the dollars would be better spent.


"The real question you're asking is how you can work for your business. You cannot. Whether your ""friend"" pays you or not is entirely irrelevant. Claiming your work-related earnings as interest/dividend will make it also a tax fraud, in addition to the immigration violation (i.e.: not only deportation but also potentially jail time)."


It’s fascinating that you think you’re right, but more so that you think you are speaking well know truths. It’s fascinating because there are hundreds of studies done on each of these topics and there’s been no definitive answer. Some studies say it has nothing to do with race, some studies say it has nothing to do with socioeconomic factors, and some say “we don’t know.”  Yet here you are, standing as the racial expert of Reddit spouting what you believe is the truth everyone is ignoring. And perhaps what takes more guts is that you are doing it and pretending to have a wealth of evidence for your belief!  Just save us all the time and admit you’re a racist. Don’t bullshit and pretend to be well read on such complex issues. Just say “I’m a racist and I hate black people” and move on. Don’t insult our intelligence by pretending to be smart.


A long straddle using equity would be more akin to buying a triple leveraged ETF and an inverse triple leveraged ETF, only because one side will approach zero while the other can theoretically increase to infinity, in a short time span before time decay hits in. The reason your analogy fails is because the delta is 1.0 on both sides of your trade. At the money options, a necessary requirement for a straddle, have a delta of .5 There is an options strategy that uses in the money calls and puts with a delta closer to 1.0 to create an in the money strangle. I'm not sure if it is more similar to your strategy, an analogous options strategy would be better than yours as it would not share the potential for a margin call.


Yield can be thought of as the interest rate you would receive from that investment in the form of a dividend for stocks or interest payments on a bond.  The yield takes into account the anticipated amount to be received per share/unit per year and the current price of the investment.   Of course, the yield is not a guaranteed return like a savings account.  If the investment yield is 4% when you buy, it can drop in value such that you actually lose money during your hold period, despite receiving income from the dividend or interest payments.


Do you really think that just because a business doesn't deal directly with the government they have NO interest in policy? Minimum wage laws, parental leave, immigration, regulations... all these things  and many more impact business regardless of direct business with government.  It's hard to imagine a business that DOESN'T have at least some interest in what the economic climate the government of the day is creating.


"I wouldn't call them favorable.  Edmunds report provides a very long repair list and in the last sentence concludes that Model S is ""hard to recommend"".  Consumer Reports provides a similar list of component failures, some of which likely caused significant inconvenience, even if they were covered by warranty; the review title says that Model S has ""more than its share of problems"".    Though both reviews emphasize the quality of Tesla service, they're a significant step down from glowing initial reviews of Model S."


"I think you need to define what you mean by ""buy currency online using some online forex trading platform"" ... In large Fx trades, real money [you mean actual electronic money, as there is not paper that travels these days]...   The Fx market is quite wide with all kinds of trades. There are quite a few Fx transactions that are meant for delivery. You have to pay in the currency for full amount and you get the funds electronicall credited to you in other currency [ofcouse you have an account in the other currency or you have an obligation to pay]. This type of transaction is valid in Ismalic Banking. The practise of derivaties based on this or forward contracts on this is not allowed."


I'm not familiar with it. However you might be interested in [Lords of Finance](http://www.amazon.co.uk/Lords-Finance-Great-Depression-Bankers/dp/009949308X/ref=sr_1_1?ie=UTF8&qid=1323967392&sr=8-1). That's a history book about the economics and the central bankers of the Great Depression. It wasn't written with the current crisis in mind, but it covers what happened last time a similar situation arose, and the consequences of the decisions the central banks made. My guess is that after reading that, you're going to be as well informed as most economists. Also it's a very good read!


DeFuniak Springs Bradshaw`s Painting are very professional and efficient and did a great job making sure every detail of the paint job was done to our satisfaction. I would recommend them to anyone who needs some painting work done on their home or business.


The best answer I can give is - be prepared for change. There's no perfect question you can ask or assurance you can get prior to accepting the offer that will give you any particularly perfect security or sense of stability here.  The company itself is going through a change of identity that can change how it will do business and even what the business is and how revenue is acquired.  In the time of the acquisition your role within the company could change radically for better or worse, it could even be eliminated entirely. If that type of uncertainty doesn't appeal to you - don't take the position. If you are absolutely psyched about this job, the best thing you can do is to learn more about the business itself and see if you can make any educated bets about how your role will play into the changes in business strategy that will come with the acquisition.


Is legacy software pretty standard across the board for trading firms and bulge bracket banks?   I was surprised to learn how old the internal software the place I'm interning at is. Chalk it up to me being young.  Thanks!


The short answer is yes, electrical vehicles make logistical sense. The batteries aren't quite where they should be to really push the market, but the lifecycles are high enough, and the batteries themselves can be recycled.   There are two major advantages that electric has over oil. The first is that electricity is abundant and can come from many sources. This means that a car can be running on power from coal, wind, solar, hydro-electric, or any other source of electricity. This also means that the cost per mile driven is generally lower than the cost of a gas driven car.   Another big advantage is the national security it offers. If electric were to really enter the consumer market in a big way, the dependency on countries in the Middle East and Africa would be lessened. It would also ease some of the competition between nations like China and the United States over natural resources.   Of course their are problems with electric cars as well, and they aren't even close to replacing gas for use in heavy machinery.


"Great question!  A Yield Curve is a plot of the yields for different maturities of debt. This can be for any debt, but the most common used when discussing yield curves is the debt of the Federal Government. The yield curve is observed by its slope.  A curve with a positive slope (up and to the right) or a steepening curve, i.e. one that's becoming more positively sloped or less negatively sloped, may indicate several different situations. The Kansas City Federal Reserve has a nice paper that summarizes various economic theories about the yield curve, and even though it's a bit dated, the theories are still valid. I'll summarize the major points here. A positively sloped yield curve can indicate expectations of inflation in the future. The longer a security has before it matures, the more opportunities it has to be affected by changes in inflation, so if investors expect inflation to occur in the future, they may demand higher yields on longer-term securities to compensate them for the additional inflationary risk. A steepening yield curve may indicate that investors are increasing their expectations of future inflation. A positively sloped yield curve may also reflect expectations of deprecation in the dollar. The publication linked before states that depreciation of the dollar may have increased the perceived risk of future exchange rate changes and discouraged purchases of long-term Treasury securities by Japanese and other foreign investors, forcing the yields on these securities higher. Supply shocks, e.g. decreases in oil prices that lead to decreased production, may cause the yield curve to steepen because they affect short-term inflation expectations significantly more than long-term inflation. For example, a decrease in oil prices may decrease short-term inflation expectations, so short-term nominal interest rates decline. Investors usually assume that long-term inflation is governed more by fundamental macroeconomic factors than short-term factors like commodity price swings, so this price shock may lead short-term yields to decrease but leave long-term relatively unaffected, thus steepening the yield curve. Even if inflation expectations remain unchanged, the yield curve can still change. The supply of and demand for money affects the ""required real rate,"" i.e. the price of credit, loans, etc. The supply comes from private savings, money coming from abroad, and growth in the money supply, while demand comes from private investors and the government. The paper summarizes the effects on real rates by saying Lower private saving, declines in the real money supply, and reduced capital inflows decrease the supply of funds and raise the required real rate. A larger government deficit and stronger private investment raise the required real rate by increasing the demand for funds. The upward pressure on future real interest rates contributes to the yield curve's positive slope, and a steepening yield curve could indicate an increasing government deficit, declines in private savings, or reduced capital coming in from abroad (for example, because of a recession in Europe that reduces their demand for US imports). an easing of monetary policy when is economy is already producing near its capacity ... would initially expand the real money supply, lowering required short-term real interest rates. With long-term real interest rates unchanged, the yield curve would steepen. Lower interest rates in turn would stimulate domestic spending, putting upward pressure on prices. This upward price pressure would probably increase expected inflation, and as the first bullet point describes, this can cause long-term nominal interest rates to rise. The combination of the decline in short-term rates and the rise in long-term rates steepens the yield curve.  Similarly, an inverted yield curve or a positively sloped yield curve that is becoming less steep may indicate the reverse of some or all of the above situations. For example, a rise in oil prices may increase expectations of short-term inflation, so investors demand higher interest rates on short-term debt. Because long-term inflation expectations are governed more by fundamental macroeconomic factors than short-term swings in commodity prices, long-term expectations may not rise nearly as much as short term expectations, which leads to a yield curve that is becoming less steep or even negatively sloped. Forecasting based on the curve slope is not an exact science, just one of many indicators used.  Note - Yield Curve was not yet defined here and was key to my answer for What is the ""Bernanke Twist"" and ""Operation Twist""? What exactly does it do? So I took the liberty of ask/answer."


I have seen this happen with IRS checks, the bank told me that the IRS imposes the requirement.  Otherwise, though, I have frequently deposited checks made out to my wife into a joint checking account without her signature, they have never cared one bit.


Nothing.  Retail is not going to go away, it will change and transmutate, and just like evolution it will be a gradual change with some pieces falling off the cliff, but no disasters.  AMZN / WMT are leading the change, others will follow; most of the retail business models will become antiquated and replaced.


A white paper is an educational paper that's about 5 to 10 pages long.  They are great tools for a decision maker to use.  Clear and concise.  May have some graphics as well.  Non- hype wording as well.  In consulting, we used them as leave behinds and they are invaluable.


You should be able to take a loan out on the 401(k).  You can't do a roll-over unless you leave your job.  If your 401(k) is that bad, you should consider maxing out your IRA contributions first and putting the rest into your 401(k) - so if you're putting away about 7k a year, lower your withholding to 1500 and put 5500 into an IRA.


"as someone that works in finance, i will say it is really hard to get out of the sales web, regardless of where you are.  i don't want to discourage you, but you will need to get advanced degrees/certification to get into analysis or fund management. there are plenty of broker/service roles available at large broker-dealers, but you will take a pay cut and likely only advance to your current pay in those roles. and you will still have some ""soft"" sales responsibilities.  all that being said, if you want to go this route, go for it - and the sooner the better. if you are smart and hardworking, you can wrap up your bachelors in 2 years and then go for the CFA over the next 3. you'll need some luck to do the CFA in that amount of time (as there are 3 levels that take a minimum of 1 year each to complete), but you could potentially have some traction in 5-6 years.   so it would be difficult, but achievable. the CFA will qualify you for some corporate finance roles as well. i have some friends that were hired to these positions after only passing the first or second levels of CFA, but i believe they had accounting/finance background already.  i think that, regardless of your intermediate term plan, getting a bachelors is a great next move. it's a minimum in a growing number of financial roles. you can also look at getting the CFP, which is less demanding and quicker, but it will remove you less from the sales process. (you need a bachelors to qualify for the CFP, too)"


">I'm playing devil's advocate mostly  I should hope so, because it seems disingenuous to suggest that viewing ""tons of photos"" is equivalent to seeing and touching something in real life, particularly shoes or clothes.  Also, say, for example, you go to your local shoe store and try on a pair of shoes. Your usual size is 9.5, so you try that on first. But it feels big, and a 9 fits you better. If you'd gone to Amazon without going to the store first, even though they offer free exchanges, you'd still have to deal with the costs of printing out a return label, boxing them up, going to the post office, waiting two days for them to arrive at Amazon, and waiting two days for the new pair. But going to the store first saved you that cost, and the store doesn't get any reward for it.  I'm not condemning you or anyone else for doing this. But I would feel guilty about it, and I'm trying to explain why."


I'm a native English speaker and managed a team of Hungarian developers. Ranged from 15 people to 22 at our biggest, I think. I was not quite fluent in Hungarian at the time, and I found it was actually much easier than you would expect to manage the team.  The majority of them had at least a little bit of familiarity with English, but only one or two were fluent.  So, for the most part, the team liked to help me find the right words/phrasing for what I was trying to say. It became a collaborative effort, rather than me telling them what to do.  Plus, the unintended hilarity of saying entirely the wrong thing always broke the tension.  Being not fully fluent also required us all to keep our communications and thoughts rather basic. So we couldn't get mired in jargon, or go off into the weeds on some bit of esoteric nonsense. We kept it simple.  And if something complex needed to be expressed, then I could talk in detail with one or two of the guys that spoke English well, and they could translate for the rest of the team.


Making a game is hard enough, focus on that. If/when you start getting close to having something to sell, then if you're serious and want the company to grow into a full time venture, briefly consult with a lawyer and possibly accountant to set this up. It will save you a lot of time researching what you have to do and a lot of headache from potentially doing things wrong. If you want to try to do it on your own, I'd recommend getting a book on starting a business because there is more to know than a single post can cover.  You'll probably have to file for a DBA (doing business as) at your city hall in order to be allowed to refer to yourself as the name of your company (otherwise you have to use your personal name). Initiating that will likely initiate annual business taxes in your town in addition to the cheap filing fee. You also want to consider how you will handle trademark (of your business and game) and copyright (of your game). If this is going to grow, you'll have to have contracts written for either employees or for freelancers who might produce assets for you. You may also need to consider writing an EULA for your game, privacy policies, etc. Additionally, you'll likely have to file with your state to collect and send sales tax. You'll also want to meticulously track costs and revenue related to your business. Formally starting a business will likely open you up to property, sales and income tax. For example, where I am, was even taxed on the equipment the business uses (e.g. computers). This is why it makes sense to wait until you're closer to having a product before you try to formally start a business and to consult with professionals on the best way.  The type of business you should form will depend on the scope you plan for the company and the amount of time/money you're willing to put in. A sole proprietorship (what you are by default) means there is no difference legally/financially between you as an individual and you as a company. This may be suitable if this is just a hobby, but not if you intend it to grow because that means any lawsuit directed at your company and its money is also directed at you and your money. The differences between an LLC and corporation are more nuanced and involve differences in legal and tax treatment, however, they both shield you from the previously mentioned problem. If you want this to be more than a hobby you should form either an LLC or a corporation. Do some research on the differences and how they might apply to you and in your state.


The original owner of the shares can pledge their shares to be short, and they earn interest from lending their shares. The conditions of this arrangement are detailed in standard agreements all market participants sign with their broker, or clearinghouse, or with the exchange, or with the self regulatory agency. Stocks within the same class are identical, despite someone's sentiment to an old share certificate that their grandparents gave them, and as such can be sold and returned to the beneficial owner multiple times with no difference. That is how it is supposed to work anyway, as naked shorting involves selling fictional shares that have no beneficial owner. So there are market inefficiencies in this practice, but the agreements between market participants are sound and answers your question about how.


You are close to understanding, but it looks like you are slightly off: regular 401K - The amount you contribute is taken out of your taxable income for tax purposes in the tax year you earn it. However, when you take it out at retirement that withdrawal counts as income for tax purposes. (You pay the tax on the money later) Roth 401K - The amount you contribute is not taken out of your taxable income for tax purposes in the tax year you earn it. However, when you take it out at retirement that withdrawal will not as income for tax purposes. (You pay the tax on the money now.) Additional benefit: You don't pay tax ever on the gains.


The bonus share also improves the liquidity however there is some difference in treatment. Lets say a company has 100 shares, of $10 ea. The total capital of the compnay is 100*10 = 1000. Assuming the company is doing well, its share is now available in the market for $100 ea. Now lets say the company has made a profit of $1000 and this also gets factored into the price of $100. Lets say the company decides to keep this $1000 kept as Cash Reserve and is not distributed as dividends.   In a share split say (1:1), the book value of each share is now reduced to $5, the number of shares increase to 200. The share capital stays at 200*5 = 1000. The market value of shares come down to $50 ea.   In a Bonus share issue say (1:1), the funds $1000 are moved from Cash Reserve and transferred to share capital. The book value of each share will remain same as $10, the number of shares increase to 200. The share capital increases to 200*10 = 2000. The market value of shares come down to $50 ea.   So essentially from a liquidity point of view both give the same benefit. As to why some companies issue bonus and not a split, this is because of multiple reasons. A split beyond a point cannot be done, ie $10 can be split to $1 ea but it doesn't look good to make it $0.50. The other reason is there is adequate cash reserve and you want to convert this into share holders capital. Having a larger share holders capital improves some of the health ratios for the compnay. At times bouns is used to play upon that one is getting something free.


I think an IOPT is a Dutch warrant.  Someone else might understand what this is.


If you are refering to company's financial reports and offerings, the required source for companies to disclose the information is the SGX website (www.sgx.com) under the Company Disclosure tab.  This includes annual statements for the last 5 years, prospectus for any shares/debentures/buy back/etc which is being offered, IPO offers and shareholders meetings. You may also find it useful to check the Research section of the SGX website where some of the public listed companies have voluntarily allowed independent research firms to monitor their company for a couple of years and produce a research report. If you are referring to filings under the Companies Act, these can be found at the Accounting and Regulatory Authority (ACRA) website (www.acra.gov.sg) and you can also purchase extracts of specific filings under the ACRA iShop. To understand the Singapore public listing system and the steps to public listing, you may find it useful to purchase one of the resource documents available for Singapore law, finance, tax and corporate secretaryship which are sold by CCH (www.cch.com.sg). Specifically for public listing the Singapore Annotated Listing Manual may help.  It is common practice for companies here to employ law firms and research firms to do the majority of this research instead of doing it themselves which I one of the reasons this information is online but perhaps not so visible. I hope I have understood your question correctly!


After a course in web designing he joined an Export house where for the first time he used his skills to procure international orders. This was the starting point. His next two jobs saw him working for a travel and tourism and IT Company. Both had elements of digital marketing-something he loved doing.


you should put it all down within reason. I don't think most people have any big names on their resumes when they apply, but having substantive experience to talk about is important. Just because its not a multinational company doesn't mean your experience is invalidated or anything. If you feel like any of your experience lines are not particularly important, you can either list then as a line item with no experience description, or you can get rid of them entirely. But you should definitely have your experience from at least the last two years listed, as well as anything relevant to business/finance.


Something really does seem seedy that if I invest $2500, that I'll make above 50k if the stock doubles. Is it really that easy? You only buy or sell on margin. Think of when the stock moves in the opposite direction. You will loose 50k. You probably didn't look into that. Investment will vanish and then you will have debt to repay. Holding for long term in CFD accounts are charged per day. Charges depends on different service providers. CFD isn't and should not be used for long term. It is primarily for trading in the short term, maybe a week at the maximum. Have a look at the wikipedia entry and educate yourself.


One reason is mergers and acquisitions. The large companies that make up the S&P500 continue to grow by buying smaller companies. This enables them to grow at a faster rate then just organic growth.  Another reason is that many of the large companies making up the S&P500 operate on a global scale or at least not just in the USA. By doing so they access markets with higher GDP growth rates. By entering new markets they are able to grow at a faster rate than the USA GDP growth rate.


The explanation of the fact, what happens when a customer enters a business at the beginning makes a good beginning of the discussion that was done in the article. And it's true that:  Customer's leave never even thinking of returning and these day's they dont buy whatever you sell they always confirm the thing by directly dialling you. And companies do face a good difficulty converting most of the on the fence customer's as well. This is the reason we must put value to our [Fence Sitting Prospect](https://www.convergehub.com/blog/tips-persuade-fence-sitting-prospects-get-off-fence).


"I frequently advise to go 401(k) up to the match. With no match, I'm not so sure.  If you are in the 15% bracket, I'd skip the 401(k). Your standard deduction is $5800 this year, do you itemize? I ask because the 15% bracket ends at $34,500, and I don't know if you manage enough deductions to get under that.  But - I'd only pt into the 401(k) what would otherwise be taxed at 25%, no more. Even then only if the 401(k) expenses were pretty reasonable. Will all the hoopla over retirement accounts, we easily forget the beauty of the investment in ETFs long term. You buy the SPY (S&P 500 ETF) and hold it forever. The gains are all deferred until you sell, and then they have a favored rate. You control the timing of the sale with no risk of penalty. The expenses are low, and over time, can make up for the lack of tax deduction (The pretax deposit) vs the 401(k) account. You die and the beneficiaries have a stepped up basis with no tax due (under whatever the limit is that year).  Long term, I'd go with low cost ETFs and pay the mortgage at the minimum payments. Even without itemizing, 4.2% is pretty low compared to the expected return over the next decade in stocks.  I recommend a look at Fairmark to help understand your marginal rate. Your gross doesn't matter as much as that line on 1040 ""taxable income."" This will tell you if you are in the 25% bracket and if so, how deep.  Edit - If one's taxable income, line 43 on your 1040, I believe, puts him into the 15% bracket, there are issues using a pretax 401(k). The priority should be to use a Roth IRA or Roth 401(k). Being so close to that 25% bracket at 26 tells me you will grow, and/o marry into it over time, that's the ideal time to use the pre-tax 401(k) to stay at 15%. i.e. deposit just enough to bring your taxable income right to that line of 15/25%."


He's made a point for *his* line of work, not mine. My dad started my company and turned it into a one man, 40 hour a week, six figure operation before I took over. The only reason I want to hire is that I see an opportunity for expansion. I'll still work just as much.


i dont think this is cynical at all, Announce you won't do aomething cheap and easy, cause 3 day outrage,  reverse course.. Customer feels like their voice will always be heard and its still cheap and easy.  Pacifism 101


A pure free market for agricultural commodities would be disastrous. Markets respond efficiently but not instantaneously. Shifts in he supply and demand of labor and capital investment are particularly slow. If a large percentage of corn farmers go under one fall there have to be new farmers/capitalists picking up the slack by next spring or there will be insufficirnt production that cant be recovered for an entire year.   Society can't withstand massive losses of commodity production, strategic reserves can help absorb the damage but youre still paying for innefficient production as grains can only be stored for so long and need replacing on an annual basis.


"This is the best tl;dr I could make, [original](http://billmoyers.com/story/coal-small-kentucky-town-builds-healthier-creative-economy/) reduced by 94%. (I'm a bot) ***** > Another addition to the Hub is a housing nonprofit that aims to fund more affordable housing by encouraging a maple syrup economy in the area.  > The launch of Hemphill Catering and the success of the bluegrass festival help illustrate how Hub partners have rebounded from the loss of coal revenue to become more self-reliant and entrepreneurial-something the Hub promotes, Fink says.  > Efforts are underway to write a culture hub training curriculum for other poverty-stricken Kentucky communities and Hub staff have been meeting with other organizations in Kentucky and nationwide to encourage creation of other culture hubs.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6gy2sx/after_coal_a_small_kentucky_town_builds_a/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~142774 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Hub**^#1 **Culture**^#2 **community**^#3 **Johnson**^#4 **work**^#5"


"I don't know how much finance you know, but a fundamental idea is that something's value is the present value of all its future cash flows. Basically what those cash flows are worth today. So if we can predict the cash flows the equity holders will get in the future (not easy), and determine at what rate to discount the cash flows (not easy), we can value the equity.   So a company will have cash flows coming in. But not all go to the equity holders. Some will go to debt holders, if any (interest payments). Some will go to preferred equity holders (dividends), if any. What's left over is what the equity holders will get. If there's no debt, preferred equity or other things like that, then the equity holders get all the cash flows.  This doesn't mean the equity holders literally receive the cash - they'll get whatever is given out via dividends. But, they ""own"" the cash and it may be reinvested in the business to generate more cash in the future."


I'm not going to speculate on the nature of your relationship with your wife, but the fact that you are worried about what would happen in the event of a divorce is a bit concerning.  Presumably you married her with the intent of staying together forever, so what's the big deal if you spend 50k upgrading the house you live in, assuming you won't get divorced? Now, if you really are worried about something happening in the future, you might want to seek legal advice about the content of the prenup.  I am guessing if the 400k were your assets before marriage, you have full claim to that amount in the event of a divorce*.  If you document the loan, or make some agreement, I would think you would have claim to at least some of the house's appreciation due to the renovations if they were made with your money*. *obligatgory IANAL


"He is stupid don't mind him, the guy has all of his money in one bank. He could make a lot of money with that amount of money(i m no suggesting ""he"" but someone he will pay for) and do not need to make stupid ass fights with that Irish ginger."


"People should be asked what they want and allowances made to get them what they want. I prefer a ""home away from home"" permanent private office, where I can stash my stuff and put some personal belongings in. Some people would rather have a temporary desk and be more mobile. Some people are fine with hotseating and working from home some days during the week."