"And that is exactly where the problem lies, you yourself admit you work like a horse, that you constantly are trying to improve yourself. Do you think you are the only one? Don't you think a million others are doing the same things? This is exactly where the problem arises, its a race to the bottom. Oh just learn to code, just learn another language, blablablah. That will hardly make you more competitive if a million other people are doing the same thing. Honestly, you cannot expect a million people to go through higher education again, you can't expect millions to improve their skills in a world where there are more people than jobs, in a world where everyday automation makes another chunk of the population permanently unemployable.  And yes, never forget the token rich person. One random person managed to escape poverty? Ok, let's ignore all the data showing that social mobility is virtually non-existent in todays society, the system most work, if one out of 4 billion people in poverty managed to escape.  Why is it such a radical idea that in a world where there are more people than jobs, in a world where food roots away, medicine keeps waiting on the shelves and many ""gentrified"" houses are empty while right next to them there are homeless people, that in such a world, a person is entitled to some food, shelter and medical aid?"


If you withdraw money from an RRSP, you are taxed on that money as ordinary income and will have to pay withholding taxes, and potentially more income tax when you file. Additionally, you lose that contribution amount. If you subsequently deposit the same gross amount into another RRSP at a different bank, that will lower your taxable income for the year and you'll subsequently be able to recover the withholding taxes, but you will have permanently lost the contribution room. For example, you have $100,000 in RRSP contribution room. You buy $1,000 in RRSPs from Bank A. This leaves you with $99,000 in RRSP contribution room. Next year, you withdraw that $1,000 and deposit it in Bank B in an RRSP account. Now, you have $98,000 in RRSP contribution room. Chances are good that Bank A withheld 15% for taxes, but when you file your tax return, you'll get that back. Your withdrawal and subsequent purchase of RRSPs in the tax year cancel out. Far better is to transfer the RRSP from Bank A to Bank B. That has no tax implications and would not affect your RRSP contribution limit. Not all banks are willing to do this, though.


Also, is seems the wife that's doing the taxes is very reluctant on giving me access to the statements. As an owner, I do have the legal right to those statements do I not? What power would a majority owner of a bar (40%) hold over the other two minority owners (each with 30%)? According to her, she's broken even on her investment, whereas I've collected not even half of my initial investment. The fact that you feel this is fishy reconfirms my belief that she not being truthful to some degree.


Things aren't really bad. 2008 was really bad. You're reading too much sensational shit. Consumer confidence is on the rise and QE is not a bad thing. If we hadn't acted as we did we would still be fighting the recession like the EU and Japan still are.


"1. (a) ""Kim Jong Un Inspects KPA Strategic Force Command"" by Korean Central News Agency (KCNA), originally published at http://www.kcna.kp on 15 August 2017: https://kcnawatch.co/newstream/1502749950-753062439/kim-jong-un-inspects-kpa-strategic-force-command/      Original text: https://www.reddit.com/r/worldpolitics/comments/6tqkgn/north_korean_leader_kim_jong_un_has_decided_not/dlmrnnt      (b) Mirror for the submitted article: https://archive.is/G32a2    2. (a) Where is Territory of Guam, United States of America (USA)? Where is Commonwealth of the Northern Mariana Islands (CNMI), USA?      \- http://chamorrobible.org/images/chamorrobibleproject/map-west-pacific-islands-1998.jpg       \- http://chamorrobible.org/images/chamorrobibleproject/map-federated-states-of-micronesia-1999.jpg         \- http://chamorrobible.org/images/chamorrobibleproject/map-guam-1991.jpg      \- http://chamorrobible.org/images/chamorrobibleproject/map-commonwealth-of-the-northern-mariana-islands-1989.jpg              \- http://chamorrobible.org/images/chamorrobibleproject/map-oceania-2002.jpg      \- [http://chamorrobible.org/images/photos/gpw-201304-NASA-Philippine-Sea-Pacific-Ocean-Guam-20111230-other.jpg](http://chamorrobible.org/images/photos/gpw-201304-NASA-Philippine-Sea-Pacific-Ocean-Guam-20111230-other.jpg ""1346 x 2020"") ([via](http://chamorrobible.org/gpw/gpw-201304.htm), [2013 x 3020](http://chamorrobible.org/images/photos/gpw-201304-NASA-Philippine-Sea-Pacific-Ocean-Guam-20111230-medium.jpg), [2680 x 4020](http://chamorrobible.org/images/photos/gpw-201304-NASA-Philippine-Sea-Pacific-Ocean-Guam-20111230-large.jpg), [4014 x 6021](http://chamorrobible.org/images/photos/gpw-201304-NASA-Philippine-Sea-Pacific-Ocean-Guam-20111230-huge.jpg))       Source: http://chamorrobible.org and http://chamorrobible.org/gpw/gpw.htm      (b) Western Pacific Ocean sunset photographed from the International Space Station while orbiting above the Philippine Sea on 21 July 2003 at 10:17:20.420 GMT: [3032 x 1986 pixels](http://chamorrobible.org/images/photos/gpw-20050108-NASA-ISS007-E-10807-space-sunset-20030721-Pacific-Ocean-large.jpg)      Source: http://chamorrobible.org/gpw/gpw-20050108.htm      Via: http://chamorrobible.org/gpw/gpw-The-Great-Earthquake-and-Catastrophic-Tsunami-of-2004.htm  3. https://www.reddit.com/r/worldpolitics/comments/6nnhnl/one_of_just_17_remaining_colonies_worldwide_guam/dkasdpl   4. https://www.reddit.com/r/pics/comments/4zonlj/there_are_only_148_guam_kingfishers_known_in_the/d6xh2t9  5. https://www.reddit.com/r/environment/comments/6qqo3l/druglaced_mice_to_be_used_to_combat_brown_tree/dkz84p8  6. https://www.reddit.com/r/Anthropology/comments/6slxkq/3500_years_of_chamorro_history_its_like_an/dldpcqy  7. https://www.reddit.com/r/linguistics/comments/5b3iw1/our_language_isnt_dead_yet_by_michael_lujan/d9lfot8  8. ""Island Stealth: F-22A Raptors and a B-2 Spirit Over Guam, USA"" (Larger Version), April 2009: https://www.youtube.com/watch?v=kVP_8afut1s      Source: http://chamorrobible.org/gpw/gpw-200905.htm"


Danh sách các Công ty Chứng Khoán có nguy cơ vỡ nợ  01 CTCP CK Thăng Long 02 CTCP CK Thương mại và Công nghiệp Việt Nam 03 CTCP CK Maritime Bank 04 CTCP CK Thủ Đô 05 CTCP CK Sao Việt 06 CTCP CK Quốc tế Việt Nam 07 CTCP CK Tràng An 08 CTCP CK Phương Đông 09 CTCP CK Đông Nam Á 10 CTCP CK Quốc Gia 11 CTCP CK Đại Dương 12 CTCP CK VIT 12 CTCP CK Tầm Nhìn 13 CTCP CK Hà Nội 14 CTCP CK Hamico 15 CTCP CK Vina 16 CTCP CK SME (đã phá sản trong năm 2011) 17 CTCP CK Hà Thành 18 CTCP CK NH Phát triển Nhà Đồng bằng Sông Cửu Long 19 CTCP CK Navibank 20 CTCP CK NH Sài Gòn Thương Tín 21 CTCP CK Việt Quốc 22 CTCP CK FLC 23 CTCP CK Trường Sơn 24 CTCP CK BETA 25 CTCP CK Tân Việt 26 CTCP CK Cao su 27 CTCP CK Sài Gòn Tourist  Mọi Tài Sản cần phải được chuyển giao sang các Công ty Chứng Khoán tốt hơn nhằm hạn chế RỦI RO !


It is unfortunate to think that people determine as a result of paying a living wage they need to illegally undercut their employees.  If your business model cannot succeed by paying living wages then you need to rethink your business model.    $12/hour is not luxury.  That is still close to poverty for a family of 3.  Take home would not afford an apartment, gas, food, utilities, etc for a single person without having roommates.  People deserve to afford their basic needs without getting government assistance when working full time.


i think keensian is right.  krudeman is wrong.   why was it anybody could get a loan from a bank to buy a house then during the bubble boom?  u telling me there were that much savings and reserve in the system?  m2 credit lead m1.  banks can create money out of nothing by writing loans.


Your 1099-B report for ADNT on the fractional shares of cash should answer this question for you.  The one I am looking at shows ADNT .8 shares were sold for $36.16 which would equal a sale price of $45.20 per share, and a cost basis of $37.27 for the .8 shares or $46.59 per share.


"This is the best tl;dr I could make, [original](https://www.theguardian.com/business/live/2017/jul/17/stock-markets-record-highs-chinese-growth-figures-gdp-business-live) reduced by 58%. (I'm a bot) ***** > The government&#039;s ambitious reform program could go a long way in addressing France&#039;s longstanding economic challenges-persistent fiscal imbalances, high unemployment, and weak external competitiveness.  > To make the strategy credible, deep reforms are needed at all levels of government, with major spending efforts from the start.  > The planned corporate, capital, and labor tax reforms should boost investment and job growth.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6nvh2d/stock_markets_hit_record_highs_as_chinese_gdp/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~169029 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*: **reform**^#1 **tax**^#2 **government**^#3 **unemployment**^#4 **fiscal**^#5"


Asset prices across the board are at historic highs because interest rates have been too low for too long. Owners/sellers of assets win, and this is primarily the baby boomer generation, and the buyer of these assets loose, primarily gen x and millennials. I'm really not looking forward to at best, stagnating asset prices as interest rates are inevitably increased, or at worst, another crash.


"This is a very interesting question.  Unfortunately, in the way you wrote the question the answer is no.  Essentially, you would be asking someone to give you a ~20% return for your cash on something that is almost guaranteed when holding your cash only gets them a <1% return.  Would anyone take the other side of that deal? Interestingly though, you can to some extent hedge surprises in health care costs.  For instance, investing in the healthcare industry as David Rice suggests is a partial hedge.  The prices of those industry stocks already has future expected cost increases included. However, if costs were to jump even higher than expected you would gain some of the added cost you would pay in healthcare back. Not that I recommend this strategy, as you lose diversification, but this is a valid and reasonable reason to slightly overweight american healthcare companies for someone in your situation.   Note that the Wiki article you mention talks about hedging surprises as well.  ""If at planting time the farmer sells a number of wheat futures contracts equivalent to his anticipated crop size, he effectively locks in the price of wheat at that time.""  Thinking that way you may actually be able to buy health insurance now for two or three years in the future essentially locking in expected price increases today.  Probably not the answer you were looking for, but the best analogy for what financial hedging truly does."


No It's not a loan. It's an equity investment. Think of it as a business. The parents bought 75% of the equity with $115K, and are entitled to 75% of the sale proceeds, should you someday liquidate the business (i.e. selling the house). The $500 per month is just business revenue and is paid to your parents as a dividend. Imagine you rent it out to your self and charge a $666.66 rent - you take 25% of that back and give your parents the rest. Like any equity investment, the risk for them is that if the value of the house goes down, they will have to shoulder the loss.  And you are right, there is no way to build equity. You already sold that to your parents.


Self driving cars will not be Uber's demise. In fact, it's exactly what they're waiting for. This ride sharing business is all just to position themselves in the market. Why do you think they're going to such great lengths to crush Lyft? As soon as self-driving cars hit the market Uber is going to start buying them up in large numbers.


What people fail to realize about bitcoin is its cost to acquire a coin.. I'm not exactly familiar on pricing nowadays but back when it was $100 a coin it took you ~$95+ in power/equipment to get that coin. Meaning bitcoin can not go below $95. Bitcoin is at $5800.. And if its as it were before, it's costing ~$5700ish to obtain, miners are not going to sell their coin for $5600 that cost $5700 to get.


Hi, I am an engineer, I investigate many lightning related industrial claims including direct strikes, voltage surges or fluctuations, power outages, and arcing perforation of CSST gas tubing that results in fires.  Visit my site: https://lightningprotectiondesignblog.wordpress.com/2017/06/20/chemical-grounding-rod-is-the-best-protection-you-can-give-your-home/


It sounds like you're mixing a simple checkbook register with double-entry bookkeeping. Do you need a double-entry level of rigor? Otherwise, why not have two columns, one for income (like a paycheck) and one for expenses (like paying a cable bill)?  Then add up both columns and then take the difference of the sums to get your increase or decrease for the time period. If you want to break up income and expenses further, then you can do that too.


The only sensible reason to invest in individual stocks is if you have reason to think that they will perform better than the market as a whole. How are you to come to that conclusion other than by doing in-depth research into the stock and the company behind it?   If you can't, or don't want to, reach that conclusion about particular stocks then you're better off putting your money into cheap index trackers.


"Although there are occasional cases where simply moving money between countries results in a tax liability - for example a ""non-domiciled"" UK resident using the ""remittance basis"" - this is not the case in your situation. In general it would be extremely rare for non-residents of a country to be taxed on bringing money into that country, as it would be bad for tourism which most countries want to encourage. The requirement to declare large sums of money on entry is primarily so that the authorities can detect money laundering, rather than tax. Note that you will have to pay US tax on any interest you earn on that US bank account."


"One thing I've noticed is the way he threw around the word ""society"" as in ""Buffett says it ought to be the responsibility of society to take care of them as they are retrained to re-enter the workforce.""  Does that mean Government, or non-Governmental organizations, families, or just unorganized, neighborhood help?    'Society' is a nebulous word in this instance."


FYI: This article is rife with errors/omissions/bends, including, but not limited to:  * The date/time when these restaurants closed * the implied reason for their closing (consumer taste had little to do with it) * The idea that Evo Morales had anything to do with the shutdown of 8 restaurants  This article is a bit amateurish and clearly contains an alarmist agenda.  Nothing to see here.


You probably can't deposit the check directly, but there are mechanisms in place to get your money through other means. In the US, all states and territories have an unclaimed property registry. Before you contact the company that wrote the check, you should check that registry in your state. You will have to provide proof that you are the intended recipient, having the original check in your possession should make that considerably easier.


You haven't mentioned how much debt your example company has. Rarely does a company not carry any kind of debt (credit facilities, outstanding bonds or debentures, accounts payable, etc.) Might it owe, for instance, $1B in outstanding loans or bonds? Looking at debt too is critically important if you want to conduct the kind of analysis you're talking about.  Consider that the fundamental accounting equation says: or, But in your example you're assuming the assets and equity ought to be equal, discounting the possibility of debt.  Debt changes everything.  You need to look at the value of the net assets of the company (i.e. subtracting the debt), not just the value of its assets alone. Shareholders are residual claimants on the assets of the company, i.e. after all debt claims have been satisfied.  This means the government (taxes owed), the bank (loans to repay), and bondholders are due their payback before determining what is leftover for the shareholders.


"Both OP and the author of the newspaper article should have titled this ""When the media take the time to explain the true state of our economy, people are less optimistic about the future."" A simple link to [this](http://research.stlouisfed.org/fred2/series/UMCSENT) graph would show that consumer confidence has rebounded, but dipped during the debt crisis (as it should have) because the media were reminding people how utterly weak our economy is. The fact that average hourly earnings today are exactly where they were in 2008 is a disaster. But to state that Americans perception of the economy is worse is flat wrong. They actually perceive it as improving when in fact it's on extremely shaky ground."


"First, filing status. If you and your wife are legally married, you should be filing your tax returns as married, either jointly or separately. In the US, ""head of household"" has a specific meaning and is for unmarried people who are supporting one or more relatives, per the IRS. If you are working full-time and your wife is not, then likely you will file a joint return, including all your income and all the expenses for your wife's business. So yes, the losses in her business will offset your income. Depending on how complex things are, you may want to hire a professional to help with your taxes. The rules for what can and cannot be deducted as a business expense can be opaque."


"Marketing; if the hungry man is your target market and your taco product can't reach him because he's unaware of the taco product.  Sales; if the hungry man took one look at you and your taco and ""No, thanks... There's probably something wrong with it.""  or learn to be a better chef if he took a bite and puked. You probably made him hungrier by making him chuke..."


"Beta is the correct answer.  It is THE measure of the risk relationship of a stock with the broad market. R squared is incorrect unless you mean something very odd by ""co-efficiency.""  A stock that goes up each time the market goes down has very low co-efficiency (negative risk as you have defined it) but very high R squared.  A stock that goes the same direction as the market but twice as far (with a lot of noise) has a very low R squared but contains a lot of market risk.  A stock that always goes in the same direction as the market but only a 100th as far is very safe but has a very high R squared. You can calculate beta using ""slope"" in excel or doing a regression, but the easiest thing is just to look up the beta in yahoo finance or elsewhere.  You don't need to calculate it for yourself normally."


I definitely agree with this. Before I could get federal or state loans I had to do this online orientation and while you probably could skip most of it and click accept I actually read through and am competent in how the interest works and how even though not paying until after graduation is an option that'll increase my total loans by like 50%. Almost every other student I've talked to with student loans has little to no knowledge as to how interest works and how it applies to their loans.    And the choosing what to study. Because while it is nice to study something fun if you can't practically get a decent paying job in your field then you have a lot of knowledge and nothing to do with it.


"I think it started when the lines between tech and artist began blurring. Once something becomes insanely popular in Silicon Valley it has a way of, eventually, filtering to the rest of the world. _______________ The rest of your comment is exactly why I tell everyone in /r/Entrepreneur and similar subs to talk to a CPA.  My accountant is the one that convinced me to stop ""freelancing"" and build an actual business. Completely shifted my outlook for the better."


Basically you have 4 options: Use your cash to pay off the student loans. Put your cash in an interest-bearing savings account. Invest your cash, for example in the stock market. Spend your cash on fun stuff you want right now. The more you can avoid #4 the better it will be for you in the long term. But you're apparently wise enough that that wasn't included as an option in your question. To decide between 1, 2, and 3, the key questions are:  What interest are you paying on the loan versus what return could you get on savings or investment?  How much risk are you willing to take? How much cash do you need to keep on hand for unexpected expenses? What are the tax implications? Basically, if you are paying 2% interest on a loan, and you can get 3% interest on a savings account, then it makes sense to put the cash in a savings account rather than pay off the loan. You'll make more on the interest from the savings account than you'll pay on interest on the loan. If the best return you can get on a savings account is less than 2%, then you are better off to pay off the loan. However, you probably want to keep some cash reserve in case your car breaks down or you have a sudden large medical bill, etc. How much cash you keep depends on your lifestyle and how much risk you are comfortable with. I don't know what country you live in. At least here in the U.S., a savings account is extremely safe: even the bank goes bankrupt your money should be insured. You can probably get a much better return on your money by investing in the stock market, but then your returns are not guaranteed. You may even lose money. Personally I don't have a savings account. I put all my savings into fairly safe stocks, because savings accounts around here tend to pay about 1%, which is hardly worth even bothering. You also should consider tax implications. If you're a new grad maybe your income is low enough that your tax rates are low and this is a minor factor. But if you are in, say, a 25% marginal tax bracket, then the effective interest rate on the student loan would be more like 1.5%. That is, if you pay $20 in interest, the government will then take 25% of that off your taxes, so it's the equivalent of paying $15 in interest. Similarly a place to put your money that gives non-taxable interest -- like municipal bonds -- gives a better real rate of return than something with the same nominal rate but where the interest is taxable.


I went to Atlantic City in 1990 or so, and other than learning that the Monopoly game properties were named after the streets there, it was a gross, run-down town with a bunch of substandard casinos.  I've not been back, but in the mid 2000's I had a number of friends go and tell me it had really turned around.    Is this recent downturn new, or are those friends just idiots?


Similar action is being undertaken in Europe following the example of Cyprus. As WND recently pointed out, finance ministers of the 27-member European Union in June had approved forcing bondholders, shareholders and large depositors with more than 100,000 euros in their accounts to make the financial sacrifice before turning to the government for help with taxpayer funds.  Do they get compensation later if the bank recovers?


You could use the money to buy a couple of other (smaller) properties. Part of the rent of these properties would be used to cover the mortgage and the rest is income.


To expand on the comment made by @NateEldredge, you're looking to take a short position.  A short position essentially functions as follows:  Here's the rub: you have unlimited loss potential.  Maybe you borrow a share and sell it at $10.  Maybe in a month you still haven't closed the position and now the share is trading at $1,000.  The share lender comes calling for their share and you have to close the position at $1,000 for a loss of $990.  Now what if it was $1,000,000 per share, etc. To avoid this unlimited loss risk, you can instead buy a put option contract.  In this situation you buy a contract that will expire at some point in the future for the right to sell a share of stock for $x.  You get to put that share on to someone else. If the underlying stock price were to instead rise above the put's exercise price, the put will expire worthless — but your loss is limited to the premium paid to acquire the put option contract. There are all sorts of advanced options trades sometimes including taking a short or long position in a security.  It's generally not advisable to undertake these sorts of trades until you're very comfortable with the mechanics of the contracts.  It's definitely not advisable to take an unhedged short position, either by borrowing someone else's share(s) to sell or selling an option (when you sell the option you take the risk), because of the unlimited loss potential described above.


"Something I found helpful when I learned this, is to just use Excel to expand the series.   So start with A1 as ""175"", then in A2 put ""=175+(A1*1.004308)"" and paste that same formula down for a few hundred rows.  You'll find your answer on A216.  Most non-math-centric people don't have an intuitive grasp of how exponents (aka ""compounding""... and never mind the natural logarithms this is all derived from) behave; but you can play with the numbers ""unrolled"" in Excel to get a better idea of how they work. That formula is just applying 0.4308% interest every period (row), and adding in a fresh $175."


I'm already bored of it.  It's funny, the first comment I happened to read about it was that power users would start complaining because their precious karma train had stopped.  And the next day the power users are out in force complaining on any sub that will take them.


Normally interest only mortgages are taken incase one planning to sell off the property after a few years and purchase of the property is for investment. In such a case instead of burdening oneself with a huge EMI, one opts for an interest only mortgage, and towards the end of the term, sell off the house at profit and repay back the entire principal.  I am not to sure if interest only mortgages are encouraged for properties you plan to live in. Although I do not know about the ING scheme, normally there is no prepayment option on interest only mortgages, its Bank way of earning a fixed income for the contracted period and thats the reason why the interest rates are lower than a regular mortgage. If you do the math, you may be paying more in total interest than on a regular mortgage.


Very subjective question. some may do it in the first year, some lose money all their life. Some make a fortune and then lose it. Investing time is only a small part of it. some people can never do it just because investing is not for everyone. Just like any other business. or you can invest into t-bill and CDs, you'll be profitable from day one.


"We measure the value of gold by comparing it to other things. Sorry, but there is no better answer than that. There is no gold standard (pun intended) by which objects can be measured in value because ""value"" is a subjective term. It would be comparable to asking how funny is an object. Different objects are funny to different people. Even if we gathered all the really ""funny"" object together, there is no guaranty those objects would be funny next year - unless we all agreed they were as part of a social contract. Which is basically what we do with currency. While gold does not need a social contract in order for it to retain its value, this is only because it is has been (1) very useful and (2) rare. If either of these two factors change, the value of gold will change - which it has on several occasions. WARRING: Rant about ""Intrinsic Value"" of gold below. Gold has no ""intrinsic"" value. None whatsoever.  ""Intrinsic value"" makes just as much sense as a ""cat dog"" animal. ""Dog"" and ""cat"" are referring to two mutually exclusive animals, therefore a ""cat dog"" is a nonsensical term. Intrinsic Value: ""The actual value of a company or an asset based on an underlying perception of its true value ..."" Intrinsic value is perceived, which means it is worth whatever you, or a group of people, think it is. Intrinsic value has nothing, I repeat, absolutely nothing, to do with reality.  The most obvious example of this is the purchase of a copy-right. You are assigning an intrinsic value to a copy-right by purchasing it. However, when you purchase a copy-right you are not buying ink on a page, you are purchasing an idea. Someone's imaginings that, for all intensive purposes, doesn't even exist in reality! By definition, things that do not exist do not have ""intrinsic"" properties - because things that don't exist, don't have any natural properties at all. ""Intrinsic"" according to Websters Dictionary:  ""Belonging to the essential nature or constitution of a thing ... (the intrinsic brightness of a star)."" An intrinsic property of an object is something we know that exists because it is a natural property of that object. Suns emit light, we know this because we can measure the light coming from it. It is not subjective. ""Intrinsic Value"" by definition is the OPPOSITE of ""Intrinsic"""


As JoeTaxpayer has commented, the markets are littered with the carcasses of those who buy into the idea that markets submit readily to formal analysis.   Financial markets are amongst the most complex systems we know of.  To borrow a concept from mathematics - that of a chaotic system - one might say that financial markets are a chaotic system comprised of a nested structure of chaotic subsystems. For example, the unpredictable behaviour of a single (big) market participant can have dramatic effects on overall market behaviour. In my experience, becoming a successful investor requires a considerable amount of time and commitment and has a steep learning curve.  Your actions in abandoning your graduate studies hint that you are perhaps lacking in commitment. Most people believe that they are special and that investing will be easy money.  If you are currently entertaining such thoughts, then you would be well advised to forget them immediately and prepare to show some humility. TL/DR; It is currently considered that behavioural psychology is a valuable tool in understanding investors behaviour as well as overall market trends.  Also in the area of psychology, confirmation bias is another aspect of trading that it is important to keep in mind.  Quantitative analysis is a mathematical tool that is currently used by hedge funds and the big investment banks, however these methods require considerable resources and given the  performance of hedge funds in the last few years, it does not appear to be worth the investment. If you are serious in wanting to make the necessary commitments, then here are a few ideas on where to start : There are certain technical details that you will need to understand in order to quantify the risks you are taking beyond simple buying and holding financial instruments.  For example, how option strategies can be used limit your risk; how margin requirements may force your hand in volatile markets; how different markets impact on one another - e.g., the relationship between bond markets and equity markets; and a host of other issues.  Also, to repeat, it is important to understand how your own psychology can impact on your investment decisions.


"Probably people like me who thought they'd turned it all off.   For the iphone:   Settings -- Privacy -- Location Services -- System Services   There you'll see a bunch of system services you probably don't need but (if my phone is any indication) are used pretty regularly to get location data on you. Some may be okay with you, but worth checking out.     A few things I looked up:   **Cell Network Search** - it's monitoring for Apple's benefit, having this on doesn't do anything for you; turning it off won't affect using your phone   **Compass Calibration** - your maps will work fine without this, and you can still calibrate the compass while using it; having it on just lets them ... check location to calibrate a compass you're not using?   **Motion Calibration & Distance** - for fitness stuff like tracking steps   **Setting Time Zone** - if you don't travel between time zones often, you probably don't need Apple checking your location every day to constantly ""set time zone"""


"Below is just a little information on short selling from my small unique book ""The small stock trader"":  Short selling is an advanced stock trading tool with unique risks and rewards. It is primarily a short-term trading strategy of a technical nature, mostly done by small stock traders, market makers, and hedge funds. Most small stock traders mainly use short selling as a short-term speculation tool when they feel the stock price is a bit overvalued. Most long-term short positions are taken by fundamental-oriented long/short equity hedge funds that have identified some major weaknesses in the company. There a few things you should consider before shorting stocks: Despite all the mystique and blame surrounding short selling, especially during bear markets, I personally think regular short selling, not naked short selling, has a more positive impact on the stock market, as: Lastly, small stock traders should not expect to make significant profits by short selling, as even most of the great stock traders (Jesse Livermore, Bernard Baruch, Gerald Loeb, Nicolas Darvas, William O’Neil, and Steven Cohen,) have hardly made significant money from their shorts. it is safe to say that odds are stacked against short sellers. Over the last century or so, Western large caps have returned an annual average of between 8 and 10 percent while the returns of small caps have been slightly higher.  I hope the above little information from my small unique book was a little helpful! Mika (author of ""The small stock trader"")"


"Presumably the existing house has some value. If you demolish the existing house, you are destroying that value. If the value of the new house is significantly more than the value of the old house, like if you're talking about replacing a small, run-down old house worth $50,000 with a big new mansion worth $10,000,000, then the value of the old house that is destroyed might just get lost in the rounding errors for all practical purposes. But otherwise, I don't see how you would do this without bringing cash to the table basically equal to what you still owe on the old house. Presumably the new house is worth more than the old, so the value of the property when you're done will be more than it was before. But will the value of the property be more than the old mortgage plus the new mortgage? Unless the old mortgage was almost paid off, or you bring a bunch of cash, the answer is almost certainly ""no"". Note that from the lienholder's point of view, you are not ""temporarily"" reducing the value of the property. You are permanently reducing it. The bank that makes the new loan will have a lien on the new house. I don't know what the law says about this, but you would have to either, (a) deliberately destroy property that someone else has a lien on while giving them no compensation, or (b) give two banks a lien on the same property. I wouldn't think either option would be legal.  Normally when people tear down a building to put up a new building, it's because the value of the old building is so low as to be negligible compared to the value of the new building. Either the old building is run-down and getting it into decent shape would cost more than tearing it down and putting up a new building, or at least there is some benefit -- real or perceived -- to the new building that makes this worth it."


"Straight Line Depreciation is the easiest method of depreciation, don't over think it.  Straight Line = (Assets Cost - Assets Salvage Value)/Useful life  In this case the Straight Line is $2m per year, it is not culmulative unless you are looking at accumulated depreciation account on the balance sheet.  Here is a schedule of the depreciation:  * Year 1 - $2m * Year 2 - $2m * Year 3 - $2m * Year 4 - $2m * Year 5 - $2m  See, can't get much easier than that!  Once you get into more complicated questions they'll throw tax rates at you and ask about cash flows, or the NPV of the cash flows.  You need to take into account the fact that the Depreciation is not a ""cash expense"" but it does affect cash flow by reducing the taxable income of the project.  Also, you need to consider the fact that the asset will be sold in year 5 and the value will need to be part of your cash flow and NPV calculations.  I hope this was helpful, if not I'll try to do my best answering any other questions.  Good Luck!"


You need a source of delisted historical data.  Such data is typically only available from paid sources. According to my records 20 Feb 2006 was not a trading day - it was Preisdent's Day and the US exchanges were closed. The prior trading date to this was 17 Feb 2006 where the stock had the following data: Open: 14.40 High 14.46 Low 14.16 Close 14.32 Volume 1339800 (consolidated volume) Source: Symbol NVE-201312 within Premium Data US delisted stocks historical data set available from http://www.premiumdata.net/products/premiumdata/ushistorical.php Disclosure: I am a co-owner of Norgate / Premium Data.


"The local K-Mart to us will sell the whole pizzas for even less if they're old. They've trained me and other customers. Come on ""When's the pizza getting old"" I ask. ""Come back in 10, we'll save one for you.""  10 minutes later, me and 4 other people are grabbing $2-3 large pizzas. Whatever the fuck they feel like charging. In the meantime, I enjoy the time machine that is K-Mart. ""Wow, 2006 Hot Wheels! That shit's probably collectible by now!"""


I think the tradition within the country would outweigh any convenience it would have for the rest of the world.  The US hasn't even been able to switch to the Metric system, even though it's taught in school and used in math / science.  The costs involved with changing price tags, and re-organizing everything in their world would be pretty crazy.


"I'll add 2 observations regarding current answers.  Jack nailed it - a 401(k) match beats all. But choose the right flavor account.  You are currently in the 15% bracket (i.e. your marginal tax rate, the rate paid on the last taxed $100, and next taxed $100.) You should focus on Roth. Roth 401(k) (and if any company match, that goes into a traditional pretax 401(k). But if they permit conversions to the Roth side, do it) You have a long time before retirement to earn your way into the next tax bracket, 25%. As your income rises, use the deductible IRA/ 401(k) to take out money pretax that would otherwise be taxed at 25%.  One day, you'll be so far into the 25% bracket, you'll benefit by 100%   traditional. But why waste the opportunity to deposit to Roth money   that's taxed at just 15%? To clarify the above, this is the single rate table for 2015:  For this discussion, I am talking taxable income, the line on the tax return designating this number. If that line is $37,450 or less, you are in the 15% bracket and I recommend Roth. Say it's $40,000. In hindsight on should put $2,550 in a pretax account (Traditional 401(k) or IRA) to bring it down to the $37,450. In other words, try to keep the 15% bracket full, but not push into 25%.  Last, after enough raises, say you at $60,000 taxable. That, to me is ""far into the 25% bracket."" $20,000 or 1/3 of income into the 401(k) and IRA and you're still in the 25% bracket. One can plan to a point, and then use the IRA flavors to get it dead on in April of the following year.  To Ben's point regarding paying off the Student Loan faster - A $33K income for a single person, about to have the new expense of rent, is not a huge income. I'll concede that there's a sleep factor, the long tern benefit of being debt free, and won't argue the long term market return vs the rate on the loan. But here we have the probability that OP is not investing at all. It may take $2000/yr to his 401(k) capture the match (my 401 had a dollar for dollar match up to first 6% of income). This $45K, after killing the card, may be his only source for the extra money to replace what he deposits to his 401(k). And also serve as his emergency fund along the way."


Moving to a new home? The need of a self-storage is undeniably important while moving in and out of a residence. In case you are looking for personal storage in Sutton Coldfield, Cookes Storage with expert professionals will help in decluttering and keeping your belongings safe.


By extending your logic both BNSF and GEICO would be nearly thhe same companies as both have majority ownership of warren buffet. How companies act IS defined by the theater of competition and regulation. Sears ca and US are two very different companies with no operational overlap (other than sears brand name)


The company will have to pay 20% tax on its profits. Doesn't matter how these profits are earned. Profits = Income minus all money you spend to get the income.  However, you can't just take the profits out of the company. The company can pay you a salary, on which income tax, national insurance, and employer's national insurance have to be paid at the usual rate. The company can pay you a dividend, on which tax has to be paid. And the company can pay money into the director's pension fund, which is tax free.  Since the amount of company revenue can be of interest, I'd be curious myself what the revenue of such a company would be. And if the company makes losses, I'm sure HMRC won't allow you to get any tax advantages from such losses.


Well, to be fair they are saying that because many of the most effective antibiotics are not effective any more. It is a big deal in the hospitals, and very much on the radar as a serious health concern.    http://www.newscientist.com/article/dn21757-dont-let-up-in-war-against-antibiotic-resistance.html


"So, um... **what's the big fucking deal?**  He works for the Port Authority, so any of you getting your panties in a bunch because you think ""OUR TAX DOLLARZ"" are going to pay his salary are just wrong.  He works 80 hours a week, so he's basically got two $110k jobs.  And he works in New York City, where $100k a year doesn't really even go that far unless you live in the ghetto and commute in every day.  Really not sure what there is to be outraged about in this report.  Clearly a lot of people here are just broke and jealous."


Sign up for alerts.  Everytime you use your card, you'll get an alert.  That way if there is an unauthorized transaction, you'll know right away. The alerts can also tell you what amount was charged - since this happens right away, the last last cc transaction is fresh in your memory and any overcharges can be easily detected. Has saved me more times than I can remember!


While there is no legal reason to have a minimum number of employees, there can be a practical reason.   They want to look like a good solid investment so that investors will give them money, which is what an IPO is, really.  Hiring lots of people is part of that. Once the investors are committed, they can cut expenses by firing people again. I have no idea how common this is, but it is a possibility.  However, if it were really common, investors wouldn't be fooled anymore. Also, they risk being sued for fraud over this. Even if your friend's worry is probably unfounded, you should be aware that working for a startup is always risky.  They very often go bankrupt even if they try their best.  They can misjudge their intended market. They can get higher expenses than expected. There can be another company with same idea being launched at the same time.  Other things can go wrong. Working for a startup is a risk, but it beats being unemployed, right?


The true answer is it depends because  it is up to the credit card issuer to follow the right path when issuing a replacement credit card. http://www.bankrate.com/finance/credit-cards/will-replacement-card-hurt-my-score.aspx Typically, issuers will transfer the account history to the new trade line, says Barry Paperno, the consumer operations manager at FICO, the creator of the FICO scoring formula. The new account should have the old open date, so you should retain your payment history, he says. The credit limit and balance should also stay the same. http://blog.credit.com/2014/02/lost-or-stolen-credit-card-hurt-your-credit-scores-76724/ How Issuers Report Replacement Cards We asked the major card issuers how they report replacement cards to credit reporting agencies: American Express: The new card has the same open date and “Member Since” year as the previous card. The balance on the old account number is transferred to the new account number. All payment history transfers over. Bank of America: All transactions and account history are transferred to the new account number when there is a card replacement or renewal. Capital One: The new account number with all the original account data (original open date, etc.) is reported along with a notification to the bureaus that the new account number is replacing the old.  The two tradelines can then be ‘merged’ into one, so that all the applicable payment history, balance, etc. is now under the new account number. Chase: The original tradeline does not change. The history on the account remains, just the account number field is updated with the new account number. There is no “new” tradeline in this scenario.


"Let's start with income $80K. $6,667/mo. The 28/36 rule suggests you can pay up to $1867 for the mortgage payment, and $2400/mo total debt load. Payment on the full $260K is $1337, well within the numbers. The 401(k) loan for $12,500 will cost about $126/mo (I used 4% for 10 years, the limit for the loan to buy a house) but that will also take the mortgage number down a bit.  The condo fee is low, and the numbers leave my only concern with the down payment. Have you talked to the bank? Most loans charge PMI if more than 80% loan to value (LTV). An important point here - the 28/36 rule allows for 8% (or more ) to be ""other than house debt"" so in this case a $533 student loan payment wouldn't have impacted the ability to borrow. When looking for a mortgage, you really want to be free of most debt, but not to the point where you have no down payment.  PMI can be expensive when viewed that it's an expense to carry the top 15% or so of the mortgage. Try to avoid it, the idea of a split mortgage, 80% + 15% makes sense, even if the 15% portion is at a higher rate. Let us know what the bank is offering.  I like the idea of the roommate, if $700 is reasonable it makes the numbers even better. Does the roommate have access to a lump sum of money? $700*24 is $16,800. Tell him you'll discount the 2yrs rent to $15000 if he gives you it in advance. This is 10% which is a great return with rates so low. To you it's an extra 5% down. By the way, the ratio of mortgage to income isn't fixed. Of the 28%, let's knock off 4% for tax/insurance, so a $100K earner will have $2167/mo for just the mortgage. At 6%, it will fund $361K, at 5%, $404K, at 4.5%, $427K. So, the range varies but is within your 3-5. Your ratio is below the low end, so again, I'd say the concern should be the payments, but the downpayment being so low.  By the way, taxes - If I recall correctly, Utah's state income tax is 5%, right? So about $4000 for you. Since the standard deduction on Federal taxes is $5800 this year, you probably don't itemize (unless you donate over $2K/yr, in which case, you do). This means that your mortgage interest and property tax are nearly all deductible. The combined interest and property tax will be about $17K, which in effect, will come off the top of your income. You'll start as if you made $63K or so. Can you live on that?"


“Off the rails” my ass. It’s pretty obvious kids have a choice: take on absurd levels of debt and “learn” or make money. If you’re not going to be a doctor or biologist, you can get a sales job with an undergrad and avoid subjecting yourself to further debt/delusion.  It’s no big loss Trump missed out on all those highly indoctrinated (or “educated”) sociologist/economist votes. They’re compliant tribalists. Who won the engineers? Who won the computer scientists?


"This is the best tl;dr I could make, [original](http://www.reuters.com/article/us-usa-stocks-weekahead-idUSKCN1AY25X) reduced by 86%. (I'm a bot) ***** > Such a decline may be good news for investors worried that stock prices have risen too far.  > The expected earnings in that valuation are adjusted, not GAAP. To the extent that companies use non-GAAP accounting less this year than in recent years, investors may feel more comfortable paying higher valuations for their stocks.  > Still, that 10-percent difference between GAAP net income and the net income companies and many investors focus on is much smaller than in 2015, when the difference was 33 percent, the largest gap since at least 2009.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6up3p2/shift_from_nongaap_bottom_lines_could_be_good_for/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~194462 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*: **company**^#1 **Investors**^#2 **GAAP**^#3 **more**^#4 **income**^#5"


I would like to add one minor point for clarity: Cosigning means that you, alongside your friend, enter into a contract with the bank. It does not necessarily mean that you now have a contract with your friend, although that could implicitly be concluded. If the bank makes use of their contracted right to make you pay your friend's debts with them, this has no effect on your legal relationship with your friend. Of course, you can hold him or her liable for your damages he or she has caused. It is another question whether this would help you in practice, but that has been discussed before.


"I recommend avoiding trading directly in commodities futures and options.  If you're not prepared to learn a lot about how futures markets and trading works, it will be an experience fraught with pitfalls and lost money – and I am speaking from experience. Looking at stock-exchange listed products is a reasonable approach for an individual investor desiring added diversification for their portfolio.  Still, exercise caution and know what you're buying. It's easy to access many commodity-based exchange-traded funds (ETFs) on North American stock exchanges.  If you already have low-cost access to U.S. markets, consider this option – but be mindful of currency conversion costs, etc. Yet, there is also a European-based company, ETF Securities, headquartered in Jersey, Channel Islands, which offers many exchange-traded funds on European exchanges such as London and Frankfurt.  ETF Securities started in 2003 by first offering a gold commodity exchange-traded fund. I also found the following: London Stock Exchange: Frequently Asked Questions about ETCs.  The LSE ETC FAQ specifically mentions ""ETF Securities"" by name, and addresses questions such as how/where they are regulated, what happens to investments if ""ETF Securities"" were to go bankrupt, etc. I hope this helps, but please, do your own due diligence."


You should get a 1099-MISC for the $5000 you got.  And your broker should send you a 1099-B for the $5500 sale of Google stock. These are two totally separate things as far as the US IRS is concerned. 1) You made $5000 in wages. You will pay income tax on this as well as FICA and other state and local taxes. 2) You will report that you paid $5000 for stock, and sold it for $5500 without holding it for one year. Since this was short term, you will pay tax on the $500 in income you made. These numbers will go on different parts of your tax form.  Essentially in your case, you'll have to pay regular income tax rates on the whole $5500, but that's only because short term capital gains are treated as income.  There's always the possibility that could change (unlikely).  It also helps to think of them separately because if you held the stock for a year, you would pay different tax on that $500.  Regardless, you report them in different ways on your taxes.


Some Walmart stores have a surcharge-free ATM in their Money Center. If that doesn't work, look for the logo of the interbank network on the back of your card that your bank uses (e.g. Star, Cirrus, Allpoint, MoneyPass) and Google them. If you're lucky, they'll have a surcharge-free ATM locator (e.g. https://www.star.com/locator/).


"I appreciate the actually reasonable initial response. I've been consistently called a fake and a fraud mostly by, as you can probably guess, my competitors and my ex who has turned genuinely psycho. She and her father have now made the news for being directly connected to well documented international and American human rights violations, her father being directly connected to apparently a police chiefs admitted systematic protected records falsification/tampering/destruction and so much else. Those two groups arent exactly mutually exclusive at the moment. Her father works in PR/lobbying and she basically tried to make it a goal to ruin me. Why you might ask? Thats a great question.   Could have something to do with the money I make people and people potentially owing me more than a few million. You really have to also consider though that would be an absurdly small price to pay for a billion especially if it took about 20 min to deliver in just that instance. Also the fact that she couldnt keep her clothes on to save her life after that point. All of the fake/fraud rhetoric is despite the fact, and probably because, I literally completed industry leading and often freely available open source economic work for no pay for several years as well as my comp (when I actually bill) being largely entirely performance based which almost nobody in the industry will even contemplate. Im not even that smart I just basically as it appears comparably dont have a sudden compulsive need to actively feel like I'm causing problems for people or just bullshit people frankly. Quite the opposite. A good number of the people who have tried to discredit or defame me in some way, if they knew the cause of this situation, probably wouldnt exactly be happy with it. Especially so considering how much money its likely very tangibly cost them just largely due to a psycho ex. On an anecdotal basis, despite previously knowing this was reflected in the data, I can hardly think of more of a good reason to just actually work with people and see how it goes than this.  All of its to basically say I'm sure a guy (and his company) who is that wealthy publicly has had a few situations that make his life complicated and some probably without any good reason.  You might have missed out. I know a few very skilled people who went to work for them. If you were offered to be flown out to them for an interview like that (again), definitely go (especially if you have fallback(s)) and just see what they are willing to do to address your concerns. I know Amazon being stressful is a common thing thats said; however, Amazon isnt a dumb company. They need skilled people and if it makes sense for them it wouldnt surprise me if they could figure something out that would work for both of you. Plus you can always quit as opposed to some things that you cant just say ""stop"" or ""be reasonable"" and have it resolved in a few weeks or less.  I hope this helps you in some way."


"First, don't try to understand other people's finances. Family or a trust could provide the minimum down payment, or even large chunk of the price, leaving them with a small/manageable monthly mortgage.  More importantly, HGTV home buying shows are fake. Buyers don't actually buy, other people touring are just locals/ friends, and the entire plot is literally a written script.   Source: My best friend had 3 of his listings on one of the shows as the house options, and our friends were the ""other buyers"" on the tour."


Capital surplus is used to account for that amount which a firm raises in excess of the par value (nominal value) of the shares (common stock).. Investopedia has a much simpler answer. Somebody has tried to be smart on wikipedia and have done the calculations without much explanation. The portion of the surplus of a business arising from sources other than earnings :  all surplus other than earned surplus usually including amounts received from sale or exchange of capital stock in excess of par or stated value, profits on resale of treasury stock, donations to capital by stockholders or others, or increment arising from revaluation of fixed or other assets The number of shares a company wants to issue is decided and agreed with the regulators. They decide the par value and then decide how much premium will be charged, extra money above the par value. Take out any RHP of an issue and you find all these details. Par Value = 1  Issue price(Price at which investors buy) = 10 Premium = 9 For a single share the capital surplus is 9, multiply it by the number of shares issued and you have the total capital surplus.


Coworking spaces offer much more reasonable rates, with dedicated desk space usually going for a couple hundred dollars a month. In addition, that fee usually includes access to things like printers and copiers at no extra charge, and other office fixtures are included in the price.


@bstpierre gave you an example of a portfolio similar to IFA's 70 portfolio. Please, look other variants of example portfolios there and investigate which would suit to you.  Although the example portfolios are not ETF-based, required by the op, you can rather easily check corresponding components with this tool here. Before deciding your portfolio, fire up a spreadsheet (samples here) and do calculations and do not underestimate things below: Bogleheads have already answered this type of questions so why not look there? Less reinventing the wheel: google retirement portfolios site:bogleheads.org. I am not making any recommendations like other replies because financial recommendations devalue. I hope I steered you to the right track, use less time to pick individual funds or stocks and use more time to do your research.


I won't because a person like you should only be physically removed or caste into a permanent class of plebs or deported to France or other populations who value subjugation of others over freedom from subjugation.  Plebs like you are the cause of all totalitarianism in the world and ideally, you'd all be in North Korea detention center.


"Exactly. GS told customers to sell stocks today. There is nothing good coming down the pipeline to ease unemployment.  Now, if we get rid of barry and put the leashes back of the NLRB and the EPA, something might change.  In other words, like him or not, Romney is the best alternative to the ""Constitutional Scholar"" who is about to have Pelosi/Reid-care overturned and have his AG indicted for running guns to help them change gun laws (and all the while blaming Bush).  This is the most pathetic administration ever."


Your asset mix should reflect your own risk tolerance.  Whatever the ideal answer to your question, it requires you to have good timing, not once, but twice. Let me offer a personal example. In 2007, the S&P hit its short term peak at 1550 or so. As it tanked in the crisis, a coworker shared with me that he went to cash, on the way down, selling out at about 1100. At the bottom, 670 or so, I congratulated his brilliance (sarcasm here) and as it passed 1300 just 2 years later, again mentions how he must be thrilled he doubled his money. He admitted he was still in cash. Done with stocks. So he was worse off than had he held on to his pre-crash assets. For sake of disclosure, my own mix at the time was 100% stock. That's not a recommendation, just a reflection of how my wife and I were invested.  We retired early, and after the 2013 excellent year, moved to a mix closer to 75/25. At any time, a crisis hits, and we have 5-6 years spending money to let the market recover. If a Japanesque long term decline occurs, Social Security kicks in for us in 8 years.  If my intent wasn't 100% clear, I'm suggesting your long term investing should always reflect your own risk tolerance, not some short term gut feel that disaster is around the corner.


I mean, at a personal level, I do this all the time. I will absolutely take advantage of low interest financing offers if I know I can make more money with the outstanding balance than will be drawn in interest.  It can also make sense from a risk management perspective: I need liquidity even if I can cover the cost, I anticipate needing a large sum of cash over a short interval during the finance period. If I were to pay all upfront the cumulative expenditures would Darwin me too close to my safety threshold for my comfort level, but by financing I can distribute the risk and keep a higher margin for error over the course of the loan.


"Read ""the everything store"". Pretty good insight into Bezos and Amazon. It gives plenty of examples of how they've messed up shipping in the past. From a single jigglypuff doll holding up shipments, to items falling off conveyors and just laying there for weeks."


The Robber Barrons are in power and once they sink their claws into our system (and they have had them sunk in for decades) it will be hard to get rid of them, but for our own future we have to try to remove them.


"So it seems like a lot of people here aren't exactly sure about why this works and its financial implications.   So what you are referring to is in Finance something called Funds Transfer Pricing or FTP (often referred to as just Transfer Pricing). Like anything else, FTP has its place. Most companies; however, don't use it properly. FTP, theoretically, has one primary purpose (although it's developed a second): to properly allocate opportunity costs across divisions.  Let's say Company A produces widgets. They sell these widgets for $200 at a TOTAL COST of $150 and book profits of $50. Now to produce the widget Division 1 makes a computer chip at a cost of $50 that it then ""sells"" to Division 2 for $60. Division 1 then books a profit of $10. Division 2 then makes some plastic stuff and assembles the device. This is labor intensive so Division 2's costs are $100. Company A sells the completed device for $150. Division 2 subsequently books profits of $40, and appears much more profitable than Division 1, on the surface.  The problem arises when Division 1 could sell the chip to the open market for $125. Now it costs them $50 to produce, and they could make a theoretical profit of $75. This is MORE than the company makes AS A WHOLE on the entire device. By having Division 2 pay effectively ""fair market price"" for that chip, you realize that Division 2 is really operating at a loss (the *opportunity cost* of not selling the chip to market is greater than producing the completed device). Company A would be better off getting rid of Division 2 and solely focusing on Division 1. In a good FTP system, Division 2 would pay the fair market price of $125. If done properly, management would  hopefully realize it should divest Division 2.  That's the ***fundamental premise*** behind FTP. In actuality things get much more complicated because of economics, the company itself, branding, IT, operations, management, PPE, labor laws, etc. Thats why most companies screw it up. All that other stuff falls under whats called cost allocation accounting. It gets VERY complex and entire masters courses are dedicated to it (different methods, etc.)   The other thing you can do with FTP is get crazy tax breaks due to various tax laws. The simplified explanation is that divisions pay taxes on profits to the government ***that division*** is located in (this works on the state level, too btw.). GE does a lot of this and it's a big part of why they pay almost no-taxes. Again, it gets more complicated when you involve audits as there's some grey area legally.   For simplicity, assume tax rates are 40% in the US and 10% in India. So let's say GE makes an airplane engine in the US but ""finishes"" manufacturing in India. These specific engines costs $5,000,000 for the US division to make, up to a certain point.  The US division can then sell the engine at a break even to India. So India ""pays"" $5,000,000 for the engine. The US division then books no profit. India finishes the manufacturing with additional costs of $1,000,000. The India division then sells the engine to the open market for $9,000,000 . Therefore, the India division books a profit of $3,000,000 and pays taxes of $300,000. Now GE as a whole makes a profit of $3,000,000 less taxes of $300,000 = net profit of $2,700,00.  Further, let's say the fair market value of the engine, as is, when the US sells to India is $7,000,000. That would mean US ***should*** book profits of $2,000,000 and India ***should*** book profits of $1,000,000. Total taxes by GE are now $800,000 (US) + $100,000 (India) = $900,000. However, what's important is that NET PROFIT is now $2,100,000. ***GE just saved $600,000 in taxes by doing this***. The beauty of this is, divisions are supposed to charge fair market value for products FTP'd internationally; however, it's REALLY hard for the IRS to say what the value of an unfinished product really is (heck, you could be offering bulk discounts, etc.)...  The fact is, often, US divisions have skilled labor that is difficult to replicate elsewhere. They just show US divisions operating at losses to make the company as a whole better. The problem, again, arises when top management don't fully appreciate or understand the reasoning behind this stuff. They end up making cuts to US labor because it's ""unprofitable"" without thinking about the entire story.   I know this is very long winded but hope it helps!  ***tldr; companies FTP to recognizes profitability and opportunity costs of divisions as well as use it for overseas tax breaks.***  Side note: Politically speaking, people who know how this works are pissed off about it in the U.S. (don't worry though, most politicians on both sides don't have a clue). We have high corporate tax rates relative to other countries and IRS loopholes allow this kind of thing (lobbying $$). It's also why, economically, you can't just raise ***corporate*** tax rates to increase domestic tax reciepts as more companies will just implement this process (it's complicated to do properly). Also, please don't say 50 years ago tax rates were higher and raising taxes increased receipts. The fact is most companies couldn't even FATHOM doing this 50 years ago, no less even 20.  edit: some clarification in wording"


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I worked on the Top Gear China special, we deliberately picked cars that were a bit shit but we were also very careful not to irk the Chinese public by openly mocking their vehicles, I think we were quite diplomatic.   That show was ten years ago, the Chinese cars I see today are incredibly incredibly better - the Chinese rivals (in terms of price) to the Hyundai Sonata are virtually on par with Jaguar/Mercedes in terms of interior environment. Weak in powertrains tho.


"My 401k allows cash holdings to 100% if desired. I'm not sure why some won't, they are making money on your money after all. If you are looking to the funds vehicles for investing suggestions however, they will never allow cash. I found you must go into ""Invest on my own"" vehicle to make that change.  I have beaten and timed this market several times by sitting with cash on the sidelines. The only time I missed it was when I talked to a fund administrator in 2008 dot com crash and stayed in at this suggestion. I told him I didn't see where the market could go much higher as I had made 12-28% on some funds. He was dead wrong of course and I lost 50% that year.  Now, trust me, in 2017, assets are grossly overvalued. If they won't let you deposit to cash, don't invest and just save your money until the next crash."


It might vary a lot depending on what you'd be doing. I work in PE and my life is mostly a smear of meetings, dinners, weekend getaways, etc., with the people we're trying to pitch to. My friends in VC performing a similar role seem to have a better balance between work and personal life.   That being said, our in office staff work a more or less 9-5 week except when there's a crunch for reports or prep work.


Here is a list of threads in other subreddits about the same content:   * [An alternative entrepreneur principle. | The Dismal Science](https://www.reddit.com/r/Economics/comments/79fl0a/an_alternative_entrepreneur_principle_the_dismal/) on /r/Economics with 1 karma (created at 2017-10-29 17:13:29 by /u/The_man_who_sold)  ----   ^^I ^^am ^^a ^^bot  ^^[FAQ](https://www.reddit.com/r/DuplicatesBot/wiki/index)-[Code](https://github.com/PokestarFan/DuplicateBot)-[Bugs](https://www.reddit.com/r/DuplicatesBot/comments/6ypgmx/bugs_and_problems/)-[Suggestions](https://www.reddit.com/r/DuplicatesBot/comments/6ypg85/suggestion_for_duplicatesbot/)-[Block](https://www.reddit.com/r/DuplicatesBot/wiki/index#wiki_block_bot_from_tagging_on_your_posts)  ^^Now ^^you ^^can ^^remove ^^the ^^comment ^^by ^^replying ^^delete!


If this happens, the solution isn't to force people to use sidewalks. It's to take the approach of London and make crossing at any point legal, and have it be the drivers responsibility to not hit people.  Laws in many cases are better when they reflect reality (and thus ease enforcement) rather than trying to shoehorn something impractical into place.


"Thanks for your additional comments Sam, that is helpful. Here is an overview of what you can and cannot do with an FSA as it applies to your situation. The government intends that a general health FSA be used to cover expenses that are usually out-of-pocket when you are covered by a qualifying health plan. It is funded with pre-tax dollars and is on a use-it or lose-it basis. However, an HSA is itself a form of health coverage that is tax-advantaged, and the balance can be invested. Because of this, an HSA is not considered by the government to be a health plan that ""qualifies"" for use with a general health FSA. However, this means that a given covered person cannot have both of these simultaneously. In your wife's case, if you have an HSA and she has traditional health benefits with an FSA, this is not considered a problem since she can only use the FSA money for expenses incurred by members of your family on her plan. However, if she were to join you on the HSA (which sounds like it could be a good idea overall), she would need to wind down her FSA and would not be able to fund it for the next year. This could be a problem if you have a lot of money in the FSA that she isn't able to spend prior to joining the HSA. The reason why the government doesn't want one given person covered by both an HSA and given access to an FSA at the same time is that they are both tax-advantaged. What they intend is that people can set aside money pre-tax which they will use to pay their non-covered health expenses. If someone had both, there would be two potential problems: If you do ultimately want your wife to be on the HSA, see if you can spend what is left in her FSA, as it will end when she ends her health coverage with her employer. If the amount you stand to lose is significant, you may need to wait another year until your next open enrollment period or life event (such as the birth of a child) to enroll her on your HSA. It is also likely that her premium on the HSA will be lower, which could impact the effect of ending her FSA. Recently, there has also been a rule change regarding what is called a ""Limited Use"" FSA. These are FSAs that are used for qualifying non-""health"" expenses such as dental and vision that can be used together with an HSA. This may be something that is helpful to you and/or your wife on the HSA if your employer offers this as a possibility. Please note that unlike retirement accounts, you cannot ""rollover"" funds between FSA plans offered by two different employers as each FSA is a separate benefit fund that is on a use-it or lose-it basis (again, because the government wants to restrict tax-advantaged contributions to what you are likely to spend). You may also find the article here helpful to learn more about FSA/HSA combinations and Limited-Use FSAs. I hope this helps!"


Business Apprentice is internship. That is not what is applicable for you. You're a visiting professor/researcher, which falls under Article 22, so you don't get the standard deduction.


Well the idea of 'good practice' is subjective so obviously there won't be an objectively correct answer. I suspect that whatever article you read was making this recommendation as a budgeting tool to physically isolate your reserve of cash from your spending account(s) as a means to keep spending in check. This is a common idea that I've heard often enough, though I don't think I am alone in believing that it's unnecessary except in the case of a habitual spender who cannot be trusted to stay within a budget.  I suppose there is a very small argument to be made about security where if you use a bank account for daily spending and that account is somehow compromised, the short-term damage is limited. In the end, I would argue that if you're in control of spending and budgeting, have a single source of income that is from regular employment, and you use a credit card for most of your daily spending, there's no compelling reason to have more than one bank account.  Some people have a checking and savings account simply for the psychological effect of separating their money, some couples have 3-4 accounts for income, personal spending, and savings, other people have separate accounts for business/self-employment funds, and a few people like having many accounts that act as hard limits for spending in different categories. Of course, the other submitted answer is correct in noting that the more accounts that you have, the more you are opening yourself up to accounting issues if funds don't transfer the way you expect them to (assuming you're emptying the accounts often). Some banks are more lenient with this, however, and may offer you the option to freely 'overdraft' by pulling funding from another pre-designated account that you also hold at the same bank.


"An international Outlook (in this case Sweden in European Union). According to laws and regulations large cash transactions are considered conspicuous. The law makers might have reasoned is that cash transactions can be used in as example: - financing terrorism - avoiding taxes - buying or selling illegal goods such as drugs or stolen items - general illegal transactions such as paying bribes Starting there, all banks (at least in Europe) are required to report all suspicious transactions to the relevant authorities (in Sweden it is Finanspolisen, roughly the Financial Police). This is regardless of how the transactions are performed, in cash or otherwise. In order to monitor this all banks in Sweden are required to ""know the customers"", as example where does money come from and go to in general. In addition special software monitors all transactions and flags suspicious patterns for further investigation and possibly notification of the police. So, at least in Sweden: there is no need to get permission from the FBI to withdraw cash. You will however be required to describe the usage of the Money and your description will be kept and possibly sent to the Financial police. The purpose is not to hinder legitimate transactions, but to Catch illegal activities."


On the web speedy choices are super easy to sign up for. Now you can complete an internet form, and will also be informed quickly no matter if you are qualified to get a quick words borrowing. Borrowing sums change from a couple of 100 us dollars around $1500. Traditional bank choices and also a charge card will be credit score choices which usually supply you with standard economic electrical power and also independence.


I don't see how me pointing out how you're wrong even shows what my views are. You also won't sway anyone by being condescending when you're wrong. Notice this about the people who oppose these issues. Once you show them they're wrong they will just attack and insult instead of actually debating.


Have you spent any time in Singapore? Yeah, they have a strong economy, but for people to exist in it they have to really push it to the limit. Entire families living in a 2 bedroom apartment, for example. IDK, it didn't seem like the ideal place for anyone who doesn't have a professional career or isn't making lots of money in finance and business. Also, the culture is sucky. No good culture for people who want a rooted feel to the community. In fact, not much community at all. I would never want to live there, only visit.


It might surprise you to know dear cute Nikki is actually  Nimrata Randhawa  An Indian American, and she comes forward to push the Agenda of the Indians long lost cousins, when Moses told them to fuck off following the worshiping of the Golden calf issue.  Seems to me, there is very little that America does that is on its own Agenda, every thing seems to be about the Jews?  What does America want for America?


You may be able to choose.  As a small business, you can expense certain depreciable assets (section 179).  But by choosing to depreciate the asset, you are also increasing the cost-basis of the property.  Are you planning to sell the property in the next couple of years?  Do you need a higher basis? Section 179 - Election to expense certain depreciable business assets


Amazon is much more screwed up than you think. They lose entire pallets of goods in their warehouse and auction them off all the time ( bulq) sometimes if you are lucky they will compensate you for them. EVERY Box on a pallet has an amazon label on it which shows the box number, shipment name, sku and qantity yet Amazon will randomly relabel items without consent or notification and Bo way to stop it.  How do I know then?  I ask customers for photos of the goods they are having issues with that clearly show Amazon's label over our label.  If our label and photo show 100 count blue and Amazon relabel it 50 count yellow.  Seller Support is completely useless to assist in this.


I suspect this is related to the fact that Blue Apron completed its IPO very recently and insider shares are likely still under a lockup period.  So in the case of APRN stock only the 30mm shares involved in the IPO are trading until the insider lockup expires which is usually about 90 days.


The first thing to know is that the idea is not unique. The second thing to know is that there are already people working on the exact thing right now and none have finished it yet because they are worrying and procrastinating the same as you right now. Go and get it done!


I'd say scuttle the company so the guy can't keep his evil master plan going. Get all of the stores to mark everything $1, clear the inventory, and then walk away. Let Sears die, rather than this life support torture scenario this guy is pulling. Maybe then he'll sell the name to somebody who wants to make something out of it.


">Armed fire investigator.  Ah, so you are NEITHER ""police"" nor ""fire"".  Do you write your reports and testify in court with the same kind of disingenuous statements and misleading claims?  >So only the most dangerous jobs should have a voice in their own safety?  Unless I am mistaken, you CHOSE your profession, correct?  I mean you weren't ""assigned"" to it by some central politburo."


"Given that the 6 answers all advocate similar information, let me offer you the alternate scenario - You earn $60K and have an employer offering a 50% match on all deposits. All deposits. (Note, I recently read a Q&A here describing such an offer. If I see it again, I'll link).  Let the thought of the above settle in. You think about the fact that $42K isn't a bad salary, and decide to deposit 30%, to gain the full match on your $18K deposit. Now, you budget to live your life, pay your bills, etc, but it's tight. When you accumulate $2000, and a strong want comes up (a toy, a trip, anything, no judgement) you have a tough decision. You think to yourself, ""after the match, I am literally saving 45% of my income. I'm on a pace to have the ability to retire in 20 years. Why do I need to save even more?""  Your budget has enough discretionary spending that if you have a $2000 'emergency', you charge it and pay it off over the next 6-8 months. Much larger, and you know that your super-funded 401(k) has the ability to tap a loan. Your choice to turn away from the common wisdom has the recommended $20K (about 6 months of your spending) sitting in your 401(k), pretax deposited as $26K, and matched to nearly $40K, growing long term.  Note: This is a devil's advocate answer. Had I been the first to answer, it would reflect the above.  In my own experience, when I got married, we built up the proper emergency fund. As interest rates fell, we looked at our mortgage balance, and agreed that paying down the loan would enable us to refinance and save enough in mortgage interest that the net effect was as if we were getting 8% on the money. At the same time as we got that new mortgage, the bank offered a HELOC, which I never needed to use. Did we somehow create high risk? Perhaps. Given that my wife and I were both still working, and had similar incomes, it seemed reasonable."


US or EU states are sovereigns which cannot go bankrupt. US states have defaulted in the 1840's, but in most of those cases creditors were eventually repaid in full. (I'm not 100% sure, but I believe that Indiana was an exception with regard to costs incurred building a canal system) The best modern example of a true near-default was New York City in the late 1970's. Although New York City isn't a state, the size and scope of its finances is greater than many US states. What happened then in a nutshell: Basically, a default of a major state or a city like NYC where creditors took major losses would rock the financial markets and make it difficult for all states to obtain both short and long term financing at reasonable rates. That's why these entities get bailed out -- if Greece or California really collapse, it will likely create a domino effect that will have wide reaching effects.


I wonder if these two concepts are compatible or mutually exclusive:  * The minimum wage should provide a decent living standard above the poverty line * We should have as close to zero unemployment as possible  If those two statements are not compatible with each other, then I don't see how prohibiting eligible members of the workforce from an opportunity is at all desirable.  Yes, this would mean that some individuals would be earning less money than it would take to make a decent living, but those individuals know who they are -- we don't.  Which means that they have the ability to make choices concerning their lives that we shouldn't try to anticipate.  If minimum wage is not a decent wage for what they need, they need to adjust their situation to change that.  Minimum wage was never intended to be a livable wage, only the lowest amount you could pay someone.  I would argue that if someone has been stuck earning minimum wage for more than 2 years, they're doing something wrong.  Either they're not trying to advance, or they're not looking for a better job.


If she is unemployed / stay-at-home caregiver, you can squirrel away up to $5,500 in a spousal IRA.


"The answer is stimulus, but more specifically direct spending.  The kind of ""stimulus"" where we simply fill in giant gaping holes of bank balance sheets is not ""stimulus"" at all, and those who criticize ""keynesian economics"" because the bailouts ""failed"" don't understand what they are saying.  Bailouts are not stimulus.  Creating middle class jobs, that is stimulus.    I will put it to you this way.  Almost every single company in existence uses some kind of debt to leverage its operations.   Almost every company that is listed on the stock exchange either sells bonds or issues commercial paper or both.  This can also be a useful position for the government, especially since their cost of borrowing is lower than that of any company.    Essentially, the government can borrow at 1%, put people to work, and collect 25% in taxes.  Its cash flow positive in the short term, and in the long term as well, as long as it is effective and the economy gets better.  A growing economy will bring in more than enough tax revenue to offset any costs of jump starting the economy.    If instead you wanted austerity, you would be calling for austerity on the largest economy in the world, who's bonds are still rated AAA, and who's borrowing costs are 1%.  If you are calling for austerity on that, then nobody on earth is credit worthy.  It is a non-sensical position."


"The golden rule is ""Pay yourself first."" This means that you should have some form of savings plan set up, preferably a monthly automatic withdrawal that comes out the day after your pay is deposited. 10% is a reasonable number to start with. You are in a wonderful situation because you are thinking about this 10-15 years before most of us do.  Use this to your advantage. You are also in a good situation if you can defer the purchase of the house (assuming prices don't rise drastically in the next few years -- which they might.)  If your home situation is acceptable, then sit down with the parents and present a plan.  Something along the lines of:  I'd like to move out and start my   life.  However, it would be   advantageous to stay here for a few   years to build up a down payment and   reserve.  I'm happy to help out with   expenses, but do need a couple years   of rent-free support to get started. Then go into monk mode for one year.  It's doable, and you can save a lot of cash. Then you're on the road to freedom."


you could say that Microsoft never hurt the consumer either. It was the bundling of file explorer with internet explorer that was litigated.  And even though they eventually settled, the almost decade of litigation but them in a constant defensive posture - major business decisions had to be run past the lawyers. Apple and google ended up drinking their milkshake.


Wow….I’m sooo glad I read your advice & tips on names headlines & a title? It Really made me think about it…I had one in mind…but not now…it definately isn’t the one..Thanks so much…….Mine will be a catchy one.


I asked this exact same question in class one day. I believe the solution was the board of governors would be the ones still in control. Might be more to it than just that.   People laughed at me when i asked this question! F them! Its a good question!


">There's tons of gas stations  There have to be, because you can't fuel your car at home like an EV driver can.  The only place fast-chargers are needed are along highways for people taking long trips.  And that's exactly where they are.    Tesla Superchargers are along all major highways, spaced so that drivers can get wherever they need to go.  Sure, it's more than 5 minutes to charge up a car.  But that's offset by spending NO time waiting for the other 90% of your daily driving.  Just plug in when you get home, and you've got a full ""tank"" of electricity every morning."


Forecasting prices to the level of accuracy they purport is a fool's errand. Sell side analysts are there to get you to buy something, not to make you money.  If they truly believed their analysis was significantly better than anyone else's in the market, they would trade on their own analysis.  No one ever got rich by following analyst recommendations.  Don't believe me? Track the buy/sell recommendations in a spreadsheet for 50+ stocks. I would be shocked if you significantly outperformed the market.


I think I may have gotten my reasoning backwards, since beta can be thought of as just the quantification of the relationship in prices but in itself isn't the actual reason behind them.  Risk free are things such as Treasury bonds/bills.


Although off road bikes are designed to be powerful and durable, their body parts also get damaged due to wear and tear. You should not forget to perform routine checks on them for making sure that your bike is in excellent condition. All bikes including dirt bikes need proper maintenance.


If you are going to be trying clever stuff with taxes in different place, you probably need a professional. Different countries definitely have different laws on the subject.  For example (several years ago) the UK considered you absent from the UK for tax purposes from the day you left, provided you were gone for a year, whereas Canada didn't charge you tax as long as you were not in the country for six months in the year. A carefully timed move enabled me to not pay tax at all for six months because I wasn't resident anywhere. Also it was irrelevant whether I intended to stay or not.


"> No, I really do. Things break at least once a month, and never get fixed.  Hmmm, maybe you're just the ""tenant from hell"" to your landlord.  :)  I'm sorry you're having problems.  But it's possible your landlord is also having problems - have you tried talking about the problems instead of just calling him names?"


"> Why is his age such a big deal?  Sure! Experience and studies are meaningless.   > if he is competent enough and if he will guide the company effectively.  I agree with you!  Because you said ""if"" in the beginning.  You can assume with at least 98% certainty that he was not chosen to be the CFO because he's the most competent or very competent.  To be competent, you need to prove your competency based on your accomplishments in the past.  So with at least 97% certainty, he was chosen because he's the son of..."


Ignorance - people might not pay attention to the value, or forgot that they had them. Fees - the gain could be too small and eaten away by fees, so it's cheaper to abandon them. Knowledge - people might not understand that they miss a chance to cash in Formal errors - when the execution is incorrectly filed and fails therefore, and the time is already run out when they realize.


Be your professional self no matter what. Because weeks/months afterward your true self will come out. If this so-called 'conservative' company representative does not feel you were an optimal fit so be it. Employers, are like women, they're plenty of 'fish' in the sea. And there's nothing worse then not being yourself 8 hours a day 5 days a week. Got it?


Stock price is based on supply and demand. Unless the stock you are looking to buy usually has very low volume trading 100 shares isn't likely to have any effect on price. There are many companies that have millions or tens of millions of shares trade daily. For stocks like that 100 shares is barely a trivial percentage of the daily volume. For thinly traded stocks you can look at the bid and ask size but even that isn't likely to get you an exact answer. Unless you are trading large volumes your trade will have no effect on the price of shares.


This caught my eye because the auto industry and the parts manufacturers are notorious for pushing output and human productivity to the point where working conditions are very unsafe.  If Musk is doing exactly the same thing that is newsworthy imo.


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"The response to this question will be different depending which of the investment philosophies you are using.  Value investors look at the situation the company is in and try to determine what the company is worth and what it will be worth in the future. Then they look at the current stock price and decide whether or not the stock is priced at a good deal or not. If the stock price is priced lower than they believe the company is worth, they would want to buy stock, and if the price rises above what they believe to be the true value, they would sell. These types of investors are not looking at the history or trend of what the price has done in the past, only what the current price is and where they believe the price should be in the future.  Technical analysis investors do something different. It is their belief that as stock prices go up and down, they generally follow patterns. By looking at a chart of what a stock price has been in the past, they try to predict where it is headed, and buy or sell based on that prediction.  In general, value investors are longer-term investors, and technical analysis investors are short-term investors.  The advice you are considering makes a lot of sense if you are using technical analysis. If you have a stock that is trending down, your strategy probably tells you to sell; buying more in the hopes of turning things around would be seen as a mistake. It is like the gambler in Vegas who keeps playing a game he is losing, hoping that his luck changes.  However, for the value investor, the historical price of a stock, and even the amount you currently have gained or lost in the stock, are essentially ignored. All that matters is whether or not the stock price is above or below the true value determined by the investor. For him, if the stock price falls and he believes the company still has a high value, it could be a signal to buy more. The above advice doesn't really apply for them.  Many investors don't follow either of these strategies. They believe that it is too difficult and risky to try to predict the future price of an individual stock. Instead, they invest in many companies all at once using index mutual funds, believing that the stock market as a whole always heads up over a long time frame. Those investors don't care at all if the prices of stock are going up or down. They simply keep investing each month, and hold until they have another use for the money. The above advice isn't useful for them at all.  No matter which kind of investing you are doing, the most important thing is to pick a strategy you believe in and follow the plan without emotion. Emotions can cause investors to make mistakes and start buying when their strategy tells them to sell.  Instead of trying to follow fortune cookie advice like ""Don't throw good money after bad,"" choose an investment strategy, make a plan, test it, and follow it, cautiously (after all, it may be a bad plan). For what it is worth, I am the third type of investor listed above. I don't buy individual stocks, and I don't look at the stock prices when investing more each month. Your description of your own strategy as ""buy and hold"" suggests you might prefer the same approach."


"I'm not sure you can get a refund. In the US, companies aren't required by law to offer one. You could contact GoDaddy's customer service and ask them, but I would guess that they'll agree with the contents of the legal agreement. Unless there is another part of the agreement that does allow you to get a refund (there might be, I haven't read it), you're probably out of luck. And yes, this is legitimate. It's a legal agreement, and by checking the box (if there was one), going through with the purchase, etc. you indicated that you read and agreed to the legal agreement, and therefore accepted that you wouldn't be offered a refund. GoDaddy isn't responsible if someone purchases something from them without reading the agreement before agreeing to it. Furthermore, the legal agreement isn't the only place where the refund policy is stated. GoDaddy's page, ""What is Domain Buy Service?"" says: Your purchase is non-refundable and non-transferable. This is a help page, not something you explicitly agree to (and therefore not legally binding), but as a lesson for the future, always read the description of what you're purchasing before you purchase it. For general reference: if for some reason you were the victim of fraud, e.g. a company offered a refund in their legal agreement but refused to give it you, and you paid with a credit card, you have more options because you could work with your credit card company to potentially get your money back. In this case, however, the agreement was clear, so this isn't an option."


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"I'd imagine they would find something wrong like ""too many choices are confusing to the consumer"".  Last year at&t along with Verizon spent $20.2 million and & $15.7 million respectively on lobbying and are very aggressive in creating an unfair market place in which only they can afford to play in.   As one of the examples is http://www.dslreports.com/shownews/Verizon-ATT-Lobby-to-Weaken-FCC-Spectrum-Authority-118302.  I was pleasantly surprised however when the tmobil at&t merger was blocked."


Sooo the ones that knew how fucked up the system was but had essentially no say in the matter are the ones that Amazon are taking down here. Seems that in no way is big pharma taking any damage here whatsoever.  Perhaps if Amazon then gets into production of these pharmaceuticals and decides to lower the wholesale price then big pharma would be in trouble, but neither of these things are likely.