Now, I have kept this money and after interval of 6 month or year whenever the USD price go up, I do exchange with Indian currency and deposit in my account. Now do I have to pay Tax on this money?  No you are not required to pay any tax as the income was accrued when your were NRI for tax purposes. The Foreign currency upto USD 2000 can be held by an individual without any time limit. i.e. you can convert then whenever you want. There is nothing that needs to be declared in Tax Returns.


This thread has been linked to from elsewhere on reddit.    - [/r/bestof] [/u/Beebles1 explains how to break into the finance sector](http://np.reddit.com/r/bestof/comments/2dl483/ubeebles1_explains_how_to_break_into_the_finance/)   *^If ^you ^follow ^any ^of ^the ^above ^links, ^respect ^the ^rules ^of ^reddit ^and ^don't ^vote ^or ^comment. ^Questions? ^Abuse? [^Message ^me ^here.](http://www.reddit.com/message/compose?to=%2Fr%2Fmeta_bot_mailbag)*


"There are a lot of unintended consequences of fairly arbitrary IRS guidelines when it comes to 401Ks, they both close and create tons of loopholes and many companies are left to implement their own policy around these laws. Ultimately what you are left with are a lot of random things, interpreted differently by every single company in the country, that aren't directly codified by the IRS or Congress. If you have a choice regarding what brokerage firm manages your 401(k), then just call around. Be sure to ask the pencil pusher on the phone to double check because they might say ""OF COURSE you can get paperless statements it is 2015"" but then when you sign up it becomes ""ooohhh sorry due to recent guidelines this kind of account isn't eligible for paperless statements"""


When someone charges, it means that person fix the price you pay. Australia is part of the Indonesian continent. It is an island in the South Pacific ocean. In the price of an item, you include the shipping cost. It is more expensive by plane because the cost of the kerozen is higher than the cost of diesel for ships. Accident can happen, so you have to include in price the cost of the insurance.


They don't need us as much any more. They even have an alternative to SWIFT ready if the West wants to be dumb and play war games with China.    **Exclusive: China's international payments system ready, could launch by end-2015 - sources**    http://www.reuters.com/article/us-china-yuan-payments-exclusive/exclusive-chinas-international-payments-system-ready-could-launch-by-end-2015-sources-idUSKBN0M50BV20150309    This move by the West will further cement the end of the US dollar (and US hegemony) as the world's reserve currency.


Or you know the US could spend less on Politicians, Wars and other useless crap and use the billions they would save to fund bridges/roads, schools and hospitals. Those departments you mentioned wouldn't even see a penny from that $29 billion.


"Well sounds like Disney is gonna have less people watching their movies, lol  How many people who have Netflix are going to go ""Oh yeah definitely I'm going to pay for yet *another* streaming service!"" vs how many people are they going to pick up who don't already subscribe to netflix (hint not many).    So Disney is not going to gain *new* viewers, they are just going to attempt to take them from netflix, but with *only* a few hundred movies, good luck keeping them subscribed."


Math time.  24 means 2 years out of college, or 6 years out of highschool, the latter being much more plausible given the poster's content quality.  $100k / 6 = $16.7k/year  16.7k / 52 weeks = $321/week  $321 / (11/hr * (1 - 15% taxes)) = 34 hours per week.  So he worked 34 hours per week, without fail, for 6 years, with NO expenses of any kind whatsoever.   OR, much more likely, he managed to save only $10k, not $100k in 6 years.


Amazon technically doesn't have a monopoly.  They have huge companies that are direct competitors in every verical they are in:  Walmart - retail  Safeway - Groceries  Google and Microsoft - Cloud  Netflix - Streaming  Costco - Discount pharmaceuticals   Amazon would violate anti trust laws if they did stuff like: force their vendors to give them a cheaper rate or they would turn off their AWS or something like that.


"We were on the ""gold standard"" in name only since about 1910. There was not enough gold to remotely back the US currency, which is why during the great depression when people started wanting to turn their cash back in to gold there was no enough, and gold possession had to be outlawed (well, partially). So no, we were not on a gold standard.  Secondly, when you're on a (any fixed item) standard, your economy only can grow at roughly the rate you fond more of the (fixed item). There are many reasons for this, and it is partially why for thousands of years of various gold standard there was so little economic growth. Once countries stopped limiting the amount of total economic growth to the amount of gold they could dig up, that economies were able to grow at the sustained rate they have for the past 200ish years.  So, besides the fact that the US has not in modern history been backed by gold, despite the name, there is ample evidence from hundreds of economies and thousands of years that being on a gold standard = little or no economic growth."


http://norton-scientificmedical.com/resources/2012/06/06/thousands-of-tubes-damaged-at-calif-nuclear-plant/     Over 1,300 tubes containing radioactive water inside San Onofre nuclear plant's steam generators in California has been reportedly damaged enough that they need to be taken out of service. To date, the safety of tubing that snakes around the plant's 4 steam generators were installed in a multimillion-dollar upgrade three years ago. According to the company's official statement on Monday, 807 tubes in Unit 3 and 510 tubes from Unit 2 reactors were retired. Every generator has almost 10,000 tubes and the total number of plugged tubes would not affect a proper operation of the plant.  The chairman of Edison, SCE's parent company, reportedly called investors to notify them of the premature wear found in around 1% of 39,000 tubes in the generators. A nuclear watchdog Norton Medical and Scientific Research & Biotechnology issued a warning, saying in effect that it seems «the new steam generators are falling apart and Edison doesn't know why. It would be foolhardy to restart, even at reduced power, under the current circumstances.» The nuclear plant is owned by the Riverside City together with San Diego Gas and Electric and SCE. A joint statement released last week by the California Independent System Operator and Edison gave possible dates this June for planning. However, government regulators were quick to assert that there is no timetable for a restart -- something that would still need a federal approval. The alert concerns stemmed from an incident in January when the third reactor was shut off after a tube broke. But although radiation has escaped during that time, officials were quick to assure residents and workers that there was no imminent danger. Earlier that month, the second unit was shut down for its regular maintenance but investigators discovered instead of premature wear on hundreds of tubes that were only installed 2 years ago by Mitsubishi Heavy Industries. (The first unit operated on 1968 was dismantled in 1992.) The tubes stand for a crucial safety barrier, that is, if a tube breaks then there is considerable chance for radioactivity to escape onto the atmosphere. Serious leaks could also use up the protective cooling water employed in a reactor. SCE estimates that the repair expenses could cost about USD 55 to 65 million, aside from the initial USD 30 million it has spent to replace the output from the 2 reactors earlier this year.


"In finance, form is function, and while a reason for a trade could be anything, but since the result of a trade is a change in value, it could be presumed that one seeks to receive a change in value. Stock company There may have been more esoteric examples, but currently, possession of a company (total ownership of its' assets actually) is delineated by percentage or a glorified ""banknote"" frequently called a ""share"".  Percentage companies are usually sole proprietorship and partnerships, but partnerships can now trade in ""units"".  Share companies are usually corporations. With shares, a company can be divided into almost totally indistinguishable units.  This allows for more flexible ownership, so individuals can trade them without having to change the company contract. Considering the ease of trade, it could be assumed that common stock contract provisions were formulated to provide for such an ease. Motivation to trade This could be anything, but it seems those with the largest ownership of common stock have lots of wealth, so it could be assumed that people at least want to own stocks to own wealth. Shorting might be a little harder to reason, but I personally assume that the motivation to trade is still to increase wealth. Social benefit of the stock market Assuming that ownership in a company is socially valuable and that the total value of ownership is proportional to the social value provided, the social benefit of a stock market is that it provided the means to scale ownership through convenience, speed, and reliability."


"This effect has much empirical evidence as googling ""dividend price effect evidence"" will show. As the financial economic schools of thought run the gamut so do the theories.  One school goes as far to call it a market inefficiency since the earning power thus the value of an equity that's affected is no different or at least not riskier by the percentage of market capitalization paid. Most papers offer that by the efficient market hypothesis and arbitrage theory, the value of an equity is known by the market at any point in time given by its price, so if an equity pays a dividend, the adjusted price would be efficient since the holder receives no excess of the price instantly before payment as after including the dividend since that dividend information was already discounted so would otherwise produce an arbitrage."


Typically the debt is held by individuals, corporations and investment funds, not by other countries. In cases where substantial amounts are held by other countries, those countries are typically not in debt themselves (e.g. China has huge holdings of US Treasuries). If the debts were all cancelled, then the holders of the debt (as listed above) would lose out badly and the knock-on effects on the economy would be substantial. Also, governments that default tend to find it harder to borrow money again in the future.


nowhere near enough information to really help you.  Price it to an IRR of about 25% in 4 years as your business has little to no history.  For small business in most sectors you can use a rule of thumb, 2x net + FFE.  For me personally, I wouldn't touch a business only 6 months old.


It is a very bad idea in almost all circumstances to borrow/withdraw from an IRA (or other retirement account) for a down payment on a house and I would only suggest it as a last resort. Even as a last resort it is a bad idea, and I'd suggest you aren't ready to buy a house until you have enough non-retirement money to do the deal. In your case you have money in savings, you should absolutely do that. If you don't feel comfortable using your emergency fund, you need to keep saving until you can afford to buy a house. Your retirement fund isn't a piggy bank for when you need money now, it is a payment you make to keep a decent lifestyle later in life. When you are retired your options for alternate income streams will be much more limited.  The biggest hidden cost is the opportunity cost of not having that money working for you. Your final retirement balance is very likely (when done correctly) going to be mostly comprised of the return on your investment more so than the money you put in. While you are young your greatest asset is time for that money to grow, don't throw that away when you have viable options! The other problem, if you are talking about an employer plan (401K/Roth) is that if you lose your job you will have 60-90 days to pay back the loan or it will be considered a distribution and subject to taxes plus a 10% early withdrawal penalty. This happened to a bunch of my friends from work when our company got bought by another company forcing them to close the old 401K plan and transfer to the new one. Short version: Don't touch retirement money for non-retirement things unless it is a life/death emergency and you have no other options.


Regardless. It’s a guaranteed 5.x%. Reducing student loans also allows you other benefits; i.e. reduces your credit risk allowing you to pull out more credit at a cheaper rate in the future etc. Unless you strongly believe in current bull market continuing.. (there is a high overvaluation from market principles atm and it has been the longest rise in history), you should go for the guaranteed change. Additionally, if your loan is pegged to variable interest rates such as the fed funds rate, be cognizant that the fed will probably continue rising rates for the near future of good times continue, meaning your rates will go up while markets go down. Long story short, would recommend paying down debt unless you’re quite confident in your skills.  Edit: quick note that if you can do both, this is the best option.


Apparently, you have never visited with any Elders.  The money provided by the government has undermined the work ethic of the native Americans which is why drug and alcohol abuse is rampant in their communities.  If you pay some to do nothing they will do nothing.


You notice, how at the base of all these funds, investment decisions are still made by humans. For instance, long the dollar, long oil, short this or that, etc. Although quant funds employ a lot of tech and math, it all still boils down to what the managers want to bet on.


> TL;DR - I would have added three or more skilled workers to our economy in high school if I did not have to pay them minimum wage. I personally was priced out of hiring people because of it, so I hate it.  Yah, fuck the gubment. I couldn't get a bunch of slave labor on the cheap. I mean fuck if they hann't outlawed slaves I could have a thriving plantation and give all dem fools a place to live.


"It seems like if that were true, then if everyone were in one group, you'd get the biggest discount of all.  My preference has been for single payer, but recently I saw a guy suggesting single-group, multi-payer, or SGMP. This was just a comment from a physician in a medical journal, and I don't have the link and haven't been able to find out anything more about it, but it seems intriguing. It had something to do with insurance companies bidding to provide coverage services.  edit: [Here it is](http://www.nejm.org/doi/full/10.1056/NEJMp1211514#t=comments):  > JOEL SPALTER, MD | Physician - Infectious Diseases | Disclosure: None  > FAYETTEVILLE AR  > October 02, 2012  > Single Group Multi-Payer  > True reform resulting in universal health insurance and access to care is achieved by state mandates for insurance with replacement of individual or group underwriting with underwriting by ""Dutch auction"" for a percentage of the single group consisting of all of the residents of a State – Single Group – Multi-Payer (SGMP). Each successful insurance company would be responsible for payment of the percentage of the total costs for medical services equal to the percentage of the population insured. This preserves the integrity of the bidding process.    > States are free to establish the public contribution to premiums. SGMP prevents exclusion of insurance for pre-existing conditions or due to genetic background, absent individual underwriting; guarantees maintenance of health care insurance independent of place, or even existence of employment; assures equality of access to providers due to a single established remuneration scale; and assures patients' choice of providers free from any empanelling by insurance companies. Market forces will govern providers' attempts to gain and hold market share.   > A single group eases statistical comparison, with EMR, of 50, State patterns of care."


It is supported by inflation and historical values. if you look at real estate as well as the stock market they have consistently increased over a long period of history even with short term drops. It is also based on inflation and the fact that the price of land and building material has increased over time.


"The real question is what can you NOT do!  If you track all your monetary actions, you know everything about your monetary situation.  That means you have the tools to ask and answer ""what if"" questions, such as: ""If I get a 10% raise, could I take longer vacations?""  You could calculate how much you spend per day on vacation and then consider the amount of your raise and how much of it you'd need to allocate to vacations to, say, be able to take a two-week vacation instead of a one-week vacation. ""How much more would I have to earn to move to this nicer apartment?""  This may seem like a simple question, but a surprising number of people can't answer it in a reliable way, because they don't have a clear understanding of how much money they make and how much of it they can afford to spend on housing.  If you find you have lots of spare income, maybe you can move to the nicer place right away; if not, at least you can get a sense of how much more money you'd need to make it happen. ""If I started taking the bus to work, how much would I save?""  You can look at how much you spend on gas and compare that to the price of a bus pass.  By separating out categories like gas, repairs, and car insurance, you can also calculate different scenarios, like if you still kept your car but only used it for occasional trips, versus if you sold the car and used only public transportation. ""If I want to take a trip to Tahiti, what can I cut back on to save the money?""  Using your table you can pencil out scenarios like ""Suppose I stop eating out for lunch at work and just bring my lunch, how long would I have to do that to save enough to pay for a plane ticket?"" These are just a few random examples.  The general idea is that with a record of hard numbers, you can start to consider potential tradeoffs in an objective way --- that is, you can ask ""how much in category X would I have to give up to gain this thing I want in category Y?"" The real trick in making use of your data is not so much ""what"" you can do, but ""how"" exactly to do it.  You may have to become more of a spreadsheet wizard to really delve into these questions.  Also, if you have programming expertise, you can even use something like Python to do calculations that might be laborious in a spreadsheet."


>Conclusion   >Covert operations organized and abetted by foreign governments have played a substantial role in the political and economic development of poorer countries around the world. We look at CIA-backed coups against governments which had nationalized a considerable amount of foreign investment. Using an event-study methodology, we find that private information regarding coup authorizations and planning increased the stock prices of expropriated multinationals that stood to benefit from the regime change. ***The presence of these abnormal returns suggests that there were leaks of classified information to asset traders.*** Consistent with theories of asset price determination under private information, this information often took some time to be fully reflected in the stock price. We find that coup authorizations, on net, contributed substantially more to stock price rises of highly exposed companies than the coup events themselves.   >This suggests that most of the value of the coup to the affected companies had already been anticipated and incorporated into the asset price before the operation was undertaken.


I don't disagree with what you're saying, but I think the approach of your article is flawed. It reads like a different person than the one that wrote your comment authored it. I believe that significantly detracts from any actual discussion.


"> Income inequality comes from too much government intervention...  Right, those Monopoly games all ended the way they did due to government interventions.  > ...the divergence in income growth began around the same time as the increase in regulatory burden.  Correlation does not prove causality.  > Look up the Mercatus Center's regulatory growth studies.  You think I'm going to accept studies about government intervention from a think-tank headed and funded by Koch Industries people and groups and self-describing itself as ""the world’s premier university source for market-oriented ideas""?  Can you find something from a group that at least appears to be impartial?"


Andere open brandhout zoals eik brandt langzaam maar maakt goed open haard hout. Al het hout is kunstmatig gedroogd om u perfect verwarming ervaring in de late winter 's avonds evenals het behoud van milieu veilig en gezond . Krijg gedroogd brandhout in grootte blokken om gemakkelijk een voorraad op uw haard .


fine because the application was declined anyway. No it isn't fine. Credit card applications generally need a hard pull, so get it rectified. Firstly check if an application was really made on your behalf. Some companies use this ploy to pull you into a scheme of making you apply for a credit card. Secondly call up the credit card company and ask them about the details of who had made the application as you haven't done so and inform them that it was a fraudulent application. It might be somebody is using your personal details to do a identity theft in your name. Thirdly get in touch with the credit rating firms and see if a check has been made on your credit report. Dispute it if you see a check in your record and have it removed from your report. If you subscribe to credit agency, get the identity theft protection, helps you in such cases. And finally keep a diligent eye on your credit records from now on. Once bitten, twice shy.


I would be happier with everyone getting the same discount that churches do. If we are going to pretend that the state should have any power at all then it should be charging everyone the exact same price.  And not playing favorites. At least most churches are voluntary and not forced geographic monopolies.


Employment numbers will have to reflect the gains that those hurricanes produce in the coming months. It is a temporary job loss but the hurricanes add many jobs, from construction to tree and debris removal to car dealerships, etc. These storms create a positive influx of money to the local economies.


">If mounting debt is such an issue, why do all the markets act as though the US is perfectly solvent?   They don't. China, Russia and most emerging markets are selling U.S. treasuries faster and faster. They have started doing so a couple years ago and are doing so at a higher pace now. They sold record numbers of U.S. treasuries in June. Many countries are forging trade partnerships with each other to get away from U.S. debt and even the U.N. and IMF are calling for an end to the dollar as the global reserve currency because it no longer deserves that status, largely due to increasing debt. By the way, the Fed is owning a larger and larger portion of U.S. debt these days.  >Why is our interest rate so low, and why do investors around the world continue buying Treasury bonds?   The federal reserve keeps rates low. Investors speculate about the future of the market all the time, but they are starting to dump them now http://www.bloomberg.com/news/2014-08-15/u-s-investment-outflow-reaches-record-as-china-sells-treasuries.html http://www.reuters.com/article/2014/08/15/usa-economy-capital-idUSL2N0QL0T520140815  http://www.ft.com/intl/cms/s/0/eaccbe18-aea6-11e3-aaa6-00144feab7de.html  >The total net outflow of long-term U.S. securities and short-term funds such as bank transfers was $153.5 billion, after an inflow of $33.1 billion the previous month, the Treasury Department said in a report today. The June figure, and $40.8 billion in net selling of Treasury bonds and notes by private investors in June, **were the largest on record, the Treasury said.**  >""This is a disappointment and is a negative for the dollar. Clearly, the United States is having a hard time attracting investments to offset its current account deficit,"" said Michael Woolfolk, global market strategist at BNY Mellon in New York.  >Central banks sold US Treasury debt at the start of the year, according to the latest official data released on Tuesday, as stress among emerging market countries intensified. Declines in Treasury holdings were seen for Thailand, Turkey and the Philippines, which sold $3.9bn, $3.3bn and $1.5bn respectively during January.   Wow look at that. Did you just dismiss all evidence that proves you wrong? I think so!"


Congrats! That's a solid accomplishment for someone who is not even in college yet. I graduated college 3 years ago and I wish I was able to save more in college than I did. The rule of thumb with saving: the earlier the better.  My personal portfolio for retirement is comprised of four areas: Roth IRA contributions, 401k contributions, HSA contributions, Stock Market One of the greatest things about the college I attended was its co-op program. I had 3 internships - each were full time positions for 6 months. I strongly recommend, if its available, finding an internship for whatever major you are looking into. It will not only convince you that the career path you chose is what you want to do, but there are added benefits specifically in regards to retirement and savings. In all three of my co-ops I was able to apply 8% of my paycheck to my company's 401k plan. They also had matching available. As a result, my 401k had a pretty substantial savings amount by the time I graduated college. To circle back to your question, I would recommend investing the money into a Roth IRA or the stock market. I personally have yet to invest a significant amount of money in the stock market. Instead, I have been maxing out my retirement for the last three years. That means I'm adding 18k to my 401k, 5.5k to my Roth, and adding ~3k to my HSA (there are limits to each of these and you can find them online). Compounded interest is amazing (I'm just going to leave this here... https://www.moneyunder30.com/power-of-compound-interest).


The point of short-selling as a separate instrument is that you can you do it when you can't sell the underlying asset... usually because you don't actually own any of it and in fact believe that it will go down. Shorting allows you to profit from a falling price. Another (non-speculative) possibility is that you don't have the underlying asset right now (and thus can't sell it) but will get it at a certain point in the future, e.g. because it's bonds that you've used to guarantee a loan... or grain that's still growing on your fields.


"I have never said anything about liking Obama, so that's pure projection on your part. Classic attitude of wanting to see something so bad, that you see it even when it's not there.   What you fail to realize is that the stories that Fox News (and many other ""news"" organizations, but your demo seems to REALLY love Fox because they tell you all what you want to hear and play right into your confirmation bias) are based a handful of crazy people out of literally billions. There's crazy Muslims, there's crazy Atheists, there's crazy Catholics. Your fear mongering attitude talks about a group of a few people thousands of miles away, while ignoring the fact that nearly all mass attacks, acts of terrorism, etc in this cointry are done by white, Christian, American citizens. I think YOU should be illegal."


If all the land was created the price would fall out the bottom and all the farmers would go out of business.  That is why doing things like supporting corn based ethanol is smart as we then can let them grow it and not drop the price down.


The real, short-term effect is that prices will go up a bit, have no effect on the amount of actual travel, and the government(s) that impose this tax will rake in more money to waste.  This is what the governments actually want, but CO2 emissions is a good way to sell it.  The long-term effect is that people will be just a bit more, on the margin, likely to avoid interacting with the European economy, which sucks for everyone.


"As someone who's done quit a bit of home improvement and seen positive ROI, I can speak from some personal experience.  All of this assumes you do the unskilled labor yourself and shop around for relatively cheap plumbers, electricians, etc. First, never underestimate the resale value added by a can of paint.  This assumes you have, or know someone with a good sense of style that can help improve the aesthetics of the home significantly.  White walls can be so boring to homebuyers and so many of them can't see through the 1/16 of an inch of white paint. Second, look for shortcomings in the house as-is. Anyway, these are some common upgrades.  The big thing is to find something you are reasonably comfortable doing yourself and that you will enjoy.  Realize that if you're new to this most projects will cost twice what you budget and take four times as long!  The pride of having done it yourself and put in the sweat equity makes it worth it though (usually). Edit To better answer your modified question, I'm adding to my answer.  So if I understand it, your question is now ""At what rate is it sane to invest in our house vs. outside investments"".  This is really just a matter of balancing risk vs. lifestyle.  With most upgrades there is no financial benefit to investing in upgrading your home now vs. 5 years from now right before you sell.  You could be making 10% in mutual funds until then and then invest in the upgrades right before you sell.  There is obviously a physical limit to how fast you can do these improvements yourself, but front-loading this now at the beginning of your timeframe as opposed to the end is not an investment decision, it is a lifestyle decision.  Not saying ""Don't do it"", but don't rationalize it to yourself as ""we're saving money by doing this now.""  Maybe use the rationalization ""We want to enjoy these upgrades and not just add them before we move out."" One exception to that - I'd plant any trees now and make sure they have a good water supply.  Good trees take a while to grow, and doing that sooner rather than later will help."


No, you can not use Schedule C for a Corporation. If you treat the business as a sole proprietorship, i.e.: not a separate legal entity and not a separate financial entity - then you can. If that's how you treat your corporation, then you can continue using Schedule C, but there's no reason whatsoever to continue being a corporation either since the corporate liability protection veil is likely to be long gone. Generally, corporations file form 1120, S-Corporations file form 1120S.


First off, let me just say that you are an intelligent individual, and regardless of how heated this conversation gets I really appreciate the opportunity to talk with you about this.  I definitely don't disagree with you that Germany **got** it's debt by a different means and that the mechanisms that kept it in debt are different from the mechanisms that are effecting us today, but the discussion we're having does have everything to do with debt! We've been deficit spending for generations and we're trillions in the hole, and that's the psychological issue hanging over our heads.  I'm not arguing with the accepted principles of Macroeconomics. In fact, what's just occurred to me is that we could put together another Bretton-Woods type conference (which would hopefully learn from the mistakes of the previous systems) so we can design a system that will keep inflation low while we dump money into the economy. From what I understand, inflation has always been lower while these (albiet flawed) previous systems were in place, and the issue in my mind with dumping money while the debt situation is such a concern, is that speculators could sh*t the bed and devalue our currency


People will never stop being items they need. Clothes,Computers, Phones, Cars, Furniture etc.  The problem the way I see it is that we lost mainstream culture. In general, we define our identify via the goods we purchase. Are we iOS or Android, Bike or Car, Vegetarian or Meat, Democrat or Rebublican. Nothing matters anymore. Today you can be anything you want and you will find a community that supports your worldviews. Grunge is not dead, as Punk or Goth is not dead, even Juggalos or fist pumping guido's have their space. Retail is fragmented obliterating the need for large Department stores.


I have run Noscript and a version of ad blocker for years.  Google is not doing it for us but to protect their precious ad revenue. Less intrusive ads might not get blocked.   I also really hate the ads that blink. That is what got me started on ad blocker.   All I can say is that it's about time that some restraint was used to keep the visual and auditory pollution down.


Hmmm... I am self employed.. and I spend what ever time is necessary to learn the required skills... this year I spent hundreds of hours learning about website development.  Ultimately it's your choice... if you can outsource some of the learning curve, why not...  You either need to have the skills yourself, or know people who can do the work for you. BTW.. finding the right people is another skill.


When the market moves significantly, you should rebalance your investments to maintain the diversification ratios you have selected. That means if bonds go up and stocks go down, you sell bonds and buy stocks (to some degree), and vice versa. Sell high to buy low, and remember that over the long run most things regress to the mean.


My theory, if you must be in debit, own it at the least expense possible. The interest you will pay by the end, combined with the future value of money. Example: The Future value of $3000 at an effective interest rate of 5% after 3 years =$3472.88 Present value of $3000 at 5% over 3 years =$2591.51 you will need more money in the future to pay for the same item


"It's not quite as bad as the comments indicate. Form 1040ES has been available since January (and IME has been similarly for all past years). It mostly uses the prior year (currently 2016) as the basis, but it does have the updated (2017) figures for items that are automatically adjusted for inflation: bracket points (and thus filing threshhold), standard deductions, Social Security cap, and maybe another one or two I missed.  The forms making up the actual return cannot be prepared very far in advance because, as commented, Congress frequently makes changes to tax law well after the year begins, and in some cases right up to Dec. 31. The IRS must start preparing forms and pubs -- and equally important, setting the specifications for software providers like Intuit (TurboTax) and H&RBlock -- several months ahead in order to not seriously delay filing season, and with it refunds, which nearly everyone in the country considers (at least publicly) to be worse than World War Three and the destruction of the Earth by rogue asteroids. I have 1040 series from the last 4 years still on my computer, and the download dates mostly range from late September to mid January. Although one outlier shows the range of possibility: 2013 form 1040 and Schedule A were tweaked in April 2014 because Congress passed a law allowing charitable contributions for Typhoon Haiyan to be deducted in the prior year. Substantive, but relatively minor, changes happen every year, including many that keep recurring like the special (pre-AGI) teacher supplies deduction (""will they or won't they?""), section 179 expensing (changes slightly almost every year), and formerly the IRA-direct-to-charity option (finally made permanent last year).  As commented, the current Congress and President were elected on a platform with tax reform as an important element, and they are talking even more intensely than before about doing it, although whether they will actually do anything this year is still uncertain. However, if major reform is done it will almost certainly apply to future years only, and likely only start after a lag of some months to a year. They know it causes chaos for businesses and households alike to upend without advance warning the assumptions built in to current budgets and plans -- and IME as a political matter something that is enacted now and effective fairly soon but not now is just as good (but I think that part is offtopic)."


iTunes U has a wealth of content from highly respected universities including Yale, Harvard, Wharton, MIT, etc. If I were fifteen and looking to build some business acumen and savvy, that is where I would start. In particular, I find Harvard business review idea casts to be thought provoking and very timely. In addition, they generally focus on disruptive business models.    Good luck.


Yep, IMO level 1 is vastly underrated.  At 8 amps, I can charge at about 3mph.  At 12 amps it's about 4.5mph.  If I can plug my car at work into a plain old 15 amp outlet for 8 hours, I'll add between 24 and 36 miles of range to my battery.  For most people, that's more than their one way drive into work.  So if I leave my house with a full charge, I'll leave work with a full charge too.  The primary advantage is that it doesn't cost much to install a couple dozen electrical outlets in a parking lot.  BYO charge cable.  I travel frequently, and I would love to see more outlets in hotel parking lots and parking garages.


At one point it was illegal to melt silver coins in the US, but it is legal now.  I don't know that will happen with copper coins, but that's what happened with silver coins. Accumulating nickels and leaving them as-is (in their spendable state) is legal.  It's also a way to take physical ownership of copper. I expect to see more sales of nickels based on weight.  People are already selling high-copper-content cents on eBay, by weight.  There are machines in production that sort the zinc ones from the copper ones.  Gresham's Law has small business backing. ;) Copper cents are already worth twice their face value in the copper content.  Nickels will get up there, too. They are awfully heavy and bulky relative to their value, though.  Precious metals give you better bang for your ounce.


I just cancelled Fresh because of the monthly fee and the fact that they were always out of things we wanted to order. We switched to a local grocery chain that offers delivery and online order pickup. They have more delivery times available, better stock and no monthly fee. I'll definitely check out Fresh again once they get some good integration with the WFM stores.


"The question for each business will have to be ""does automation make sense""? There is a cost associated with switching, but is that greater for the business than keeping employees at a higher wage?  Also, we've seen little enough of automation at the customer service level, that we don't know if the customer base will respond well to it... Is this going to be another lesson learned like offshoring?  This is still just a shock. I have a gut feeling that outside of limited applications in the fast food industry, automation of service jobs will be more similar to grocery store implementations of self service registers than anything else."


Removing emotions from decision making is autistic. Imo people fail to be a fit because most people have empathy and emotions. You want a bunch of computers to run your shit fine, but to acknowledge their behavior is anything short of being on the spectrum is naive


"We are fast food enemies.  The thought of Arby's makes me laugh like a child on Hannukah. I may have a roast beef monstrosity today, as a matter of fact! Their curly fries are heavenly and a tub of their horsey sauce has been the champion on Iron Chef for 3 years running.  Wendy's, on the other hand, is a disgrace to the burger world. Their square, ""never frozen"" patties taste fine, but the mealy texture is incredibly offputting. Their new fries are a marked improvement from the pale yellow, saltless worms they used to fix. Their menu is almost impossible to read and changes too often. They fucked up the frosty; I should never have to specify the flavor for the love of God.   I have never been to a Tim Horton's, which I'm bummed about, because I've heard good things.  How do you feel about McDonalds?"


Supply and demand. The market needs highly competent software engineers, and will pay out the nose for them. It needs liberal arts majors too, but there are a lot more of them out there, so wages are lower. Oddly enough, it seems more of the liberal arts majors - and I was one of them once - have developed a pretty strong sense of entitlement, and get pissy when they don't see the same kinds of incomes and perks as the guys with the more marketable skills. Cue OWS!


I wonder if this comment would be better under a conspiracy. But you know the banks can claim your income tax for payment of your college loans, and that the government is increasing how much you can get back on your income tax. Basically, isn't that just to get government money and giving it to the big banks?


"That's a pretty good question for a six-year-old! In addition to the good answers which point out that expectations are priced in, let's deny the premises of the question: Sales do not increase the value of a company; a company could be, for example, losing money on every sale. Share prices are (at least in theory) correlated with profits.  So let's suppose that company X is unprofitable 320 days a year and is relying upon sales in late November and December to be in the black for the year. (Hence ""black Friday"".)  Carefully examine the supposition of this scenario: we have a company that is so unprofitable that it must gamble everything on successfully convincing bargain hunting consumers in a weak economy to buy stuff they don't actually need from them and not a competitor. Why would this inspire investor confidence? There are plenty of companies that fail to meet their sales targets at Christmas, for plenty of reasons."


In this kind of search setup, the firm offloads the executive employment work to the executive search firm. They charge a set percentile of the chosen candidate's yearly wage. Usually, it pays in three instalments. This is one of the most popular in one bulk types of choosing such employment firms. Many people find paying in instalments more preferable than paying amount.


I think what ended up happening with this is the canadian banks issued some high risk debt that is in line with the bail-in requirements. So the interest payments are more, but they could lose it all in a bail-in situation.  There was actually some debate about the sale of the debt not being fairly handled, but from the sounds of it the notes sold pretty quickly. So there doesn't seem to be much risk to depositors and investors don't seem to be worried about the additional risk. Also at the time of the banks becoming compliant with the Basel regulation I think most of them jacked their service fees to help with raising the additional capital requirements.  http://business.financialpost.com/2014/07/21/rbc-responds-to-complaints-about-issue-of-nvcc-subordinated-debt/


"This question is really general to answer. That's like asking ""Is it easier to be a dog or a cat?""   Your answer is going to be defined by your circumstances and approach, which are going to come somewhere from the following:  - How much capital do you have to start stuff?  - Can you get a loan? If so, how much is it? - Do you already have a business model? Is it going to effectively compete against existing, successful businesses? - Do you have a unique advertising gimmick?  - Is this a technical business? Does it require a patent? Is that patent already secured? - Do you already have a new idea or technology? - Where will you find talent? - Do you have any experience with investment? How aggressive are you going to be investing?  - Do you have any experience with business?  Just remember, the overwhelming majority of businesses fail. I know several business owners (some successful, some unsuccessful).   The list goes on, and honestly I don't think Reddit is a good place to start."


/u/BexsM, I think your theory is spot on and you're right about how public and private debt could be correlated.  I just believe that I am older and quite a bit more cynical/jaded so I think how things should work and how they actually do are miles apart.


Try using technical analysis, look at the charts and look for stocks that are uptrending. The dfinition of an uptrend being higher highs and higher lows. Use a stochastic indicator and buy on the dips down when the stochastic is in the oversold position (below 20) and and crossing over about to turn back upwards. Or you can also use the stochastic to trade shares that have been ranging between two prices (say between $10 and $12) for a while. As the price approaches the $10 support and the stochastic is in oversold, you would buy as the price rebounds off the $10 support and the stochastic crosses and starts rebounding back up. As the price starts reaching the resistance at $12 (with stocastic in overbought at above 80) you would look to sell and take profits. If you were able to do short selling in the competition, you could short sell at this point in time and make profits on the way up as well as on the way down. There are many more techniques you could use to set up trade opportunities using technical analysis, so it may be a subject you could research further before the comptition begins. Good luck.


The same can be done in the USA depending on what city and how richly someone wants to live.  I went to a fine public school in suburban US and I walked to school just a few blocks, free, as are all public schools.  As for medical bills and your best friends mother, it is also not expensive to die of cancer in the USA!  But, you did not tell me how big of an apartment can be had in Lisbon for a minimum wage worker spending less than 30% of his income, nor how big is a 2 bedroom apartment there.


Most modern bank accounts can be set up to automatically pay bills for anyone, even someone who has no control over the account. This account would be in a trustee's name for the untrustworthy party. An automatic transfer could be set up from the source account to the irresponsible party's bank account to pay their allowance. It would be wise to remove all overdraft capability from the recipients account, but the whole system might help them learn some responsibility. There are more formal legal structures for forming a long term care-taking trust (with spendthrift provisions to protect the trust from legal action). The trust would need to be maintained by a trustee, resulting in maintenance fees on the principle. It might also help to know if there are legally recognized factors that impair the beneficiaries ability to take care of themselves (substance abuse, depression, age, mental impairment, etc.), but depending on state law, trusts can be designed very flexibly to cover the lifetime of an heir and even their heirs.


This is more anecdata in support of an interesting point: most of the wealthy are no smarter than rhe average dumbass, and just as susceptible to hysterical demagoguery. If Obama had raised taxes on the wealthy - Congress made that inpossible - the rates would have gone up to where they were under Clinton, or during the mid-Reagan years, both times during which the wealthy did very well indeed.  Also, it could be that most jewelry store customers were nouveau riche barely hanging on anyway, or just inept wealth funded by home-equity loans and Ponzi debt. Many of those poseurs were hitting the day of reckoning around 2008-2009, due to the evaporation of bubble housing wealth; Obama would have made a nice scapegoat for their own financial ineptitude.


I would recommend not paying it off early for 2 key reasons: If you are a resident of the U.S. you get tax deductibility of mortgage interest, which as pointed out in previous posts, reduces the effective interest rate on your mortgage, never in your life will you ever be allowed to obtain such high leverage at such a low rates. You can probably get higher returns with not much risk. @JoeTaxpayer mentioned various statistics regarding returns when investing in equities. Even though they are a decent bet over the long term, you can get an even better risk reward tradeoff by considering municipal bonds. If you are in the U.S. and invest in the municipal bonds of your state, the interest income will be both federal and state tax-free.  In other words, if you were making 3.5% investing in equities, your after tax returns would be significantly less depending on your tax bracket whereas investment-grade municipal bond ETFs will yield probably the same or higher and have no tax. They are also significantly less volatile. Even though they have default risk, the risk is small since most of these bonds are backed by future tax obligations, or other income streams derived from hard assets such as tolls or property. Furthermore, an ETF will have a portfolio of these bonds which will also dampen the impact of any individual defaults. In essence, you are getting paid this spread for simply having access to credit, take advantage of it while you can.


Which I 100% agree with. Opiates are awful horribly addictive substances that are an issue, I'm just saying I don't like the argument that anyone who smokes weed on their time off is a loser. There is a huge divide between opiates and marijuana


Remember when you got bodied for pretending you understood more about linguistics than you did? Because you maybe skimmed a wikipedia page on Chomsky and thought the criticism there meant people didn't respect him as a linguist? And published authors in the field took you to task for an hour?   If you don't, maybe you should. It feels relevant.


Sacrifices the union made to keep a health plan for PART TIME EMPLOYEES. This author is a self righteous fucking blowhard. Try working for minimum wage, 40 hours a week with no benefits like millions of others you prick.


"What you want is called a ""car wrap."" A designer can get a template for your truck, to have exact measurements of its dimensions. Then he creates a full color design in Adobe Illustrator or whatever. Then he prints them in waterproof, colorfast inks on a Mutoh inkjet printer onto shrinkable plastic with an adhesive backing. Then a guy carefully pastes them all over your truck. It's easy on flat sides, but they have techniques to seamlessly cover every surface of the truck, including the curved bits like around the headlights. It looks [something like this](http://www.capitalwraps.com/blog/bid/37088/Florist-Vehicle-Wraps-Bloom-In-The-Effectiveness-And-Visibility).  But FFS please get a serious designer who does quality work, and not some amateur that produces an eyesore. Good graphics are good advertising, and costs good money to make."


"That's true.  However, let's say Andy lives on top of a bunch of coal.   Charlie and Daniel create a piece of paper that says ""Andy's House Title"", and give it to John, who's pretty buff.  He kicks Andy's ass, ties him up, and forces him to mine coal.  This is good for Charlie and Daniel, who can get cheap coal.  It's good for John, who's king of Andy's house and gets all the profits off the coal.  Not so good for Andy.    And that's part of why some other nations have a problem with us.  We're buying coal for John, sending him guns, and helping him kick their asses when they try to throw him out."


Yes. Look at form 1040 AGI is line 37, and it comes well after you report your schedule D cap gains.  I read this question as meaning you wish to contribute to a traditional IRA pretax. There is no income limit to contribute to an IRA and not take the deduction.


No, I'm saying that many potential customers believe BBB to be important.  You aren't going to preemptively change the minds of every potential future customer.  So you can look better in their eyes with BBB accreditation, or you can possibly lose the customer before you even start.  I'm not commenting on BBB at all, just their perception.


"Don't care... Uber is cheaper most of the times for me than Cabify, I am not a wealthy man so I can't afford the premium on Cabify just to ""support"" their better business practice. Cheaper is cheaper. If cabify can be a better buisness AND have better prices. than that is something i am willing to support."


I shop at Sears because of the enormous section of hardware parts.  You can find almost any bolt,screw,connector, etc for any DIY project.  Nothing online compares to being able to go to the hardware section only with an idea and piecing it together with the parts at hand.  Also, I'm 35.


How is this not a breach of contract? Is it just because the corporate entity you're doing business with has gone out of business? Isn't the parent company still responsible?  It seems to me that if it's not, there are a lot of ways that an unethical person / company could game the system.


As a web designer and developer, I would like to add an addendum that a quality web site usually *starts* around $1500. We're a little more pricey, but we run about $2500 for the standard Home, About, Services, Testimonials, Photo Gallery, Contact setup.  Everything else is dead on. Great write up. I would add that getting yourself involved in a local chamber of commerce is something that we did, and were successful with. The chamber is now working with us on some of their new design projects.


Options reflect expectations about the underlying asset, and options are commonly priced using the Black-Scholes model:  N(d1) and N(d2) are probability functions, S is the spot (current) price of the asset, K is the strike price, r is the risk free rate, and T-t represents time to maturity.  Without getting into the mathematics, it suffices to say that higher volatility or expectation of volatility increases the perceived riskiness of the asset, so call options are priced lower  and put options are priced higher. Think about it intuitively. If the stock is more likely to go downwards, then there's an increased chance that the call option expires worthless, so call options must be priced lower to accommodate the relative change in expected value of the option.  Puts are priced similarly, but they move inversely with respect to call option prices due to Put-Call parity. So if call option prices are falling, then put option prices are rising (Note, however, that call prices falling does not cause put prices to rise. The inverse relationship exists because of changes in the underlying factors and how pricing works.) So the option action signifies that the market believes the stock is headed lower (in the given time frame). That does not mean it will go lower, and option traders assume risk whenever they take a particular position. Bottom line: gotta do your own homework! Best of luck.


"Employers withhold at rates specified in Circular E issued by the IR. You can request that  additional money be withheld (not an issue here) or you can have  reduced withholding by claiming additional allowances on a W-4 (i.e.,  more than just for you and spouse and dependents) if you believe that  this will result in withholding that will more closely match the tax due.  (Note added in edit):Page 2 of the W-4 form has worksheets that can be used to figure out how many additional allowances to request. Also, I wonder if your withholding will be 37% or final tax bill be  26% of your adjusted gross income.  The tax brackets are the tax  on marginal income. If you are in the 28% tax bracket, you owe 28 cents in tax for each additional dollar of income, not 28 cents in tax for every dollar of income.  Your overall tax might well be less than 20% of your income.  As a specific example, in 2011 a married taxpayer filing jointly would be in the  (highest) 35% tax bracket if the taxable income was $379,150 or more (marginal tax rate of 35% is applicable to every dollar more than $379,150) but the tax on  $379,150 itself works out to be $102,574 or 27.05% of the taxable income. So if you do expect to be earning around $350K or more in salary between now and December 31 to hit that 26% that you expect you will owe, you might want to consider paying a tax accountant for advice on how to fill out your W-4 form for your new employer rather than relying on an Internet forum such as this for free advice. Note added in edit:  Your comment ""... it is a cocktail of ... federal taxes, state taxes, local taxes, health care ..."" on the earlier version of my answer does raise the question of whether you want your employer to withhold 26% instead of 37% and have the money go to meet all these obligations or just 26% towards your Federal income tax liability only. The Federal W-4 form affects only how much money is withheld from your paycheck and sent to the US Treasury.  Some of the money that each of your employers withholds (Social Security and Medicare taxes) is not affected by what you put down on  the W-4 form.  Now, if you hold two jobs and the total income shown on your W-2s is larger than the SS limit, you will  have had too much Social Security taxes withheld, and the excess will be a credit towards your Federal income tax liability.  You have self-employment income too on which you owe Social Security and Medicare taxes and you are making estimated tax payments. The excess Social Security tax payment can count towards this too (as well as income tax on your Schedule C income).  Thus, if your new employer is withholding too much, you might be able to skip making the fourth quarterly payment of estimated tax or make a reduced payment (there is no requirement that the four installments  must be equal).  In short, there are lots of ramifications that you need to take into account before deciding that 26% is the right number. Instead of filling out a W-4  all by yourself right away, I strongly recommend  reading up a lot on income taxes, or play with a tax preparation program (last year's version will do a pretty good job of at least getting you in the right ballpark), or consult with a tax accountant."


I suggest you begin by double checking what kinds of credit products you have and to which credit bureaus your bank reports. Not all financial institutions report to all bureaus. For example, if your bank only reports your one and only line of credit to Experian, TransUnion still won't have a file on you. Also, some lines of credit such as being an authorized user on a credit card aren't tracked by all of the bureaus. The other thing to consider is the amount of time that your lines of credit have been open. You said it's been less than one year but if it's been less than six months you might try waiting six months to try requesting your reports. If none of the above solves your problem, I would respond to their letter exactly as they instruct you to. Send everything certified with return receipt, and get into the habit of saving all of these records. When you send your reply be sure to include all of the requested information, a brief summary of your issue, and a reference to their previous letter to you. If they don't respond to your letter or they aren't able to help you, try calling the credit bureaus directly to inquire about the problem. Usually the consumer phone lines are automated, so try the corporate or business contacts they list on their website. On a final note, never submit your information on any of the bureaus websites. By doing so you agree to binding arbitration agreements which limit your right to sue. Only communicate with the bureaus by mail or on rare occasions phone.


A pencil and a small notepad really work here, but if you have a smartphone then some way of using it makes sense as well. Try: Transcribe all of these onto a better record at the end of each day. Also record the amount of money in your wallet/purse/pocket every day, and check to see if the amounts you've recorded add up to the amount you've spent. It'll be easier to remember that newspaper you bought at the end of the day, rather than a week later. Or just record the difference as 'miscellaneous'.


> Oatly said it plans to work with three more farmers to demonstrate the environmental benefits of switching from livestock to more crop production. But Arnesson says livestock farmers need government support in order to do so in large numbers.  Yes, because why would you expect a European farmer ever to conduct their business in a profitable way if they can just keep their hand up? 38 percent of the whole EU budget is still being spent on subsidising farms that should have gone bust decades ago. I'm not saying the market always knows best, or that environmentally sound farming should not be promoted somehow, but this attitude that government funding will happily keep your outdated lifestyle business alive is just pathetic.


The moment that you start to rent your car to strangers you are talking about using your car as a business. Will it be financially advantageous? If you can convince somebody to rent your vehicle for more than your required monthly payments then it might be. Of course you have to determine what would be the true cost of ownership for you. It could include your auto loan, and insurance, but you would be saving on the garage costs. Of course if you don't have it rented 100% of the time you will still have some costs. Your insurance company will need to know about your plan. They charge based on the risk. If you aren't honest about the situation they won't cover you if something goes wrong. The local government may want to know. They charge different car registration fees for businesses. If there are business taxes they will want that.  Taxes. you are running a business so everybody from the federal governemnt to the local government may want a cut. Plus you will have to depreciate the value of the item. Turning the item from a personal use item to a business item can have tax issues. If you don't own it 100% the lender may also have concerns about making sure their collateral survives. Is it safe? and from the comments to the question :  Should I do a contract or something that would protect me? Nope. it isn't safe unless you do have a contract. Of course that contract will have to be drawn up by a lawyer to make sure it protects you from theft, negligence, breach of contract.... You will have to be able to not just charge rent, but be able to repossess the car if they don't return it on time. You will have to be able to evaluate if the renter is trustworthy, or you may find your car is in far worse shape if you can even get it back.


Well, I was actually just looking at my own 10-yr old. She does dance/ballet all year round and golf/tennis in the summer. Just the shoes, costumes, clubs, etc. run to about 1k. One dance lesson per week is about 1K/year (she does three). And summer golf/tennis lessons plus memberships about 1K.  soccer and baseball are cheaper. but hockey is significantly more expensive - and you have to travel a lot all year round.


"By that same line of thinking:  Subscribe & Save -> grocery pantry orders -> dash -> local -> echo -> Amazon Go -> rolling shopping carts picked by robots supervised by humans   It's a bit like the smart fridge concept.  Just because you don't hit ""ship"" doesn't mean Amazon can't start aggregating orders to be ready for your pick up.   Amazon is becoming a demand planning company. You demand it and they plan for it.   Then throw in air drones, lockers, blimp warehouses and auto trucks   Yikes. That means it could be Amazon, Google and Apple who will split up the majority of the driverless vehicle business.   Yielding the first truly $1T market cap and the winner will be the first $2T company."


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"> Even if I did simply want to stop being American and live in Somalia I still have to pay taxes.  No, actually you don't. Step 1. Move to Somalia. Step 2. Revoke your American citizenship. Step 3. Pay your final tax receipt. Step 4. Try to live the best that you can in Somalia...  > If it was totally free to leave you'd have a point - that I'm opting in to being here after the fact by not leaving. But that's just not the case. There is a real cost to leaving and renouncing citizenship and thus there is an aspect of being under duress to this ""agreement"" you claim we make.  This sounds a lot like the ""I didn't choose to be born"" argument. How old are you?    None of us get to choose where we are born, and what system we are born into. However, there are costs associated with it that we inherit regardless. The choice that we have is to leave - and yes, there is a cost to that too. I am sure people who are born into third world nations would cry so many tears about how unfair the world is for you..."


You know we have states that have legalized and not seen some big explosion in crashes right?  I'm sorry , nobody is legalizing DUI, I can't justify continuing to prohibit cannabis entirely just because some people are afraid of other drivers.


the data source is the same as the live market trading. pre and after market trading are active markets and there are actual buyers and sellers getting their orders matched.


Yes, you'll be able to get the money by submitting legitimate receipts for care for your child, and at tax time you'll pay the tax on the extra $3600.


"I am no business expert, but I know that their branding and licensing is good because it makes kids demand it ""because frozen"" but parents are reluctant to buy the same old ""one big piece with some bolt on blocks"" sets where you aren't *really* building anything. It lacks the creativity since they made it more difficult to just buy a tub of blocks. I struggled to find legos one year where it wasn't some smartly branded yet completely cold and bland set."


They've been around long enough now for there to be past performance figures you can google for. I think you'll find the results aren't very encouraging. I personally don't think there's a huge risk that the robots will lose all your money, but there's every reason to expect they aren't likely to perform better than traditional managers or beat the market. At the end of the day the robots are employing a lot of analysis and management techniques that traditional managers have been using, and since traditional managers use computers to do it efficiently there's not much gain IMO. Yes in theory labour is expensive so cutting it out is good, but in practise, in this case, the amount of money being managed is huge and the human cost is pretty insignificant. I personally don't believe that the reduced fees represent the cost of the human management, I think it's just marketing. There might be some risk that the robots can be 'gamed' but I doubt the potential is very great (your return might in theory be a fraction of a percent less over time because it's going on). The problem here is that the algorithms are functionally broadly known. No doubt every robo adviser has its own algorithms that in theory are the closely guarded secret, but in reality a broad swath of the functional behaviour will be understood by many people in the right circles, and that gives rise to predictability, and if you can predict investment/trading patterns you can make money from those patterns. That means humans making money (taking margin away) from the robots, or robots making money from other robots that are behind the curve. If robo advisers continue to take off I would expect them to under perform more and more.


"Many answers here have given what look to be useful perspectives on your question.  I want to point out an interesting technical issue. If an employer contracts with an insurer, it agrees to cover all employees (or all that fill some pre-specified definition and no one else), and to offer only a limited range of options. If you buy insurance directly, you obviously have a huge range of choices, including the (technically illegal) one of no insurance at all. Your first thought is probably, ""Hey, that's great! More options, more chances to pick the plan that's right for me."" Sorry, no.  Yes, you have more options, but so does everyone else. If you are working for some large company, you get insurance, period. If you suspect you have an expensive health condition, you cannot buy more insurance; if you believe yourself to be healthy as a horse, you cannot get skimpier insurance and pocket the difference.  Healthy people and sick people are all in the same predictable pool. If you buy insurance freely, the insurer knows that the sicker you are, the more likely you are buy insurance, a phenomenon called adverse selection.  As a result, the premiums (fees) a person buying his own insurance pays are much higher, because most of his fellow policy-holders are sickly -- even if he himself is just risk-averse. On the other hand, if you are risk-neutral, if you can survive a $10,000 bill if it happens to arise, you can save big by finding the skimpiest imaginable insurance, where all your fellow policy-holders will be hale and healthy people like yourself."


How is relying on the benevolence of one rich guy a better system than a strong reliable central bank? What if J.P. Morgan decided not not to intervene in 1907, or bail out the gold standard in 1893. Banks will make stupid decisions whether there is a central bank or not. I would argue an organization dedicated to mitigating a crisis is a better option than some guys who may or may not help.


Her current competence or incompetence and how she got the job is perfectly relevant. Obviously, and should be looked into in depth.  What isn't relevant is her studies 25 years ago. A 25-year-old Masters in computer security would be just as irrelevant, as the industry has changed drastically since that time.


/ in relative to the Tesla's performance, and current inflation.  They can split and reverse split at anytime the board decides without any regard to inflation or performance.   OP points to Tesla at 350- he doesn't point to PE. It makes no differences what the price of one share is. If they split 10 for 1 it would be 35- but what difference does that make- the PE remains the same. OP does not understand value- only price.


Hey guys, I graduated in economics and I want to apply to different positions and jobs. Especially financial controlling is a field I'm really interested in. If some of you work in this branche, could you tell me what are the things you like/dislike the most in your jobs?


Your best bet is going to be contacting TaxAct directly for their information. If you do enter your spouses information and choose to purchase their deluxe product, I would think you might end up paying for the second efile. I have used their deluxe version for many years now, but choose it mostly because of the free state efiling and not for the ability to determine whether or not to file separately.  In my case, it makes sense to file jointly and not file separately.   The deluxe version allows you to portion out your deductions and see which method of filing gives you the lowest total tax bill. Here's the link directly to TaxAct's support: https://www.taxact.com/tsupport/support_request.asp


Probably my biggest cost saving is to make my own sandwiches for lunch. I take this one step further by buying joints of meat to roast and slice for the filling. This not only tastes better but is quite a bit cheaper. For example today I roasted a 5 kg ham (about 11 lbs), it cost me £16 to buy (around $25), but I've sliced it, wrapped the slices in foil and frozen them. I've made around 20 packs, each pack has enough ham for sandwiches for me and my wife for a day. I also do this with beef, chicken and turkey and just get a pack of whatever we fancy out of the freezer the night before so it's defrosted enough to make sandwiches in the morning.


If I get a prepaid debit card for the money I make do I have to report my earnings? How do I go about doing this? Yes you must report this. It doesn't matter if they put it in your bank account, or on a debit card, or cash under the table. You have to report the income. You can count on your employer reporting the income to the IRS.  What is the limit I can make when it comes to working while on social security? The Social Security Administration has all sort of info regarding working and receiving benefits. The exact answer depends on the type of benefit (retirement, disability, survivor) and your age (pre-full retirement age, the year you reach retirement age, post retirement age) I would look at their website: http://www.ssa.gov/retire2/whileworking.htm for examples: You can work while you receive Social Security retirement (or   survivors) benefits. When you do, it could mean a higher benefit for   you in the future. Each year we review the records for all working Social Security   recipients. If your earnings for the prior year are higher than one of   the years we used to compute your retirement benefit, we will   recalculate your benefit amount. We pay the increase retroactive to   January the year after you earned the money


We are here to provide you Exhaust Fans with Energy Efficiency. Generally most of the people don’t pay much attention to bathroom exhaust fans until the boogers and cobwebs are hanging half way down to the commode. When the fan is switches on, energy efficiency is lost and the exhausting power of the fan is reduced to almost nothing.


Let me tell you a tale. I am 30, only making 32k a year. As a systems admin. Living in CA. I have 0 savings, in fact most months I have trouble even paying bills and keeping food on the table so....I wouldn't worry to much but if you haven't yet go to school, get a degree. Or at least a trade school.


There are stores that buy ugly or close to expiration produce and sell it super cheap.  Its great if you're baking, canning, or making a big fruit salad for a party because you can get a bunch of stuff super cheap. Its not that good if you're trying to stock up on produce because most of it will start going bad the next day.


In my experience financial advisors do not normally assist with budgeting and personal everyday finance. There certainly are people who do that, but you would normally only consult them when you have financial difficulties, especially debt. The more common find of financial advisor is mostly focussed on advising you about savings and investments. A lot work for banks and investment companies. They will usually advise you for free, the downside being that they will only recommend their company's products. This may or may not be a bad thing, depending on the company. Others will charge you a commission on purchases, and their advice will be more neutral. This question will also be interesting: Are all financial advisors compensated in the same way?


"In most cases, if you are a member of the class the law-firm will contact you via postal mail to notify you of the class action and give you an opportunity to opt-in or opt-out of participating in any settlement that happens.  More often than not, they take the opt-out approach, meaning that if you don't say you want out of the class it is assumed that you agree with the complaints as defined in the class action and would like to receive your portion of the money if there is a settlement.  If you haven't gotten such a letter and you think you should have, it is a good idea to contact the law firm. How do you find the law firm? Usually some Googling on ""class action"" and the name of the defendant company will get you there. Also, check the legal section of the classifieds of the local newspaper, they sometimes advertise them there.  Typically they aren't hard to find because it is in the law firm's best interest to have everyone sign on to their class action for a number of reasons including: If you have a lot of people who are supposedly aggrieved, it makes the defendant look more likely to be guilty, and more participants can equate to higher settlement amounts (for which the law firm gets a percentage). That is why you see non-stop ads on daytime TV for lawyers marketing class action cases and looking for people who took this drug, or had that hip implant. Once a settlement occurs and you are a member of that class, there are a number of ways you might get your piece including: - A credit to your account. - A check in the mail. - A coupon or some other consideration for your damages (lame) - A promise that they will stop doing the bad thing and maybe some changes (in your favor) on the terms of your account. A final note: Don't get your hopes up. The lawyers are usually the only ones who make any substantial money from these things, not the class members. I've been paid settlements from lots of these things and it is rare for it to be more than $25, but the time the spoils are divided. I've gotten NUMEROUS settlements where my share was less than a dollar. There are some decent resources on ClassAction.com, but beware that although the site has some good information, it is primarily just an ad for a lawfirm. Also, note that I am not affiliated with that site nor can I vouch for any information contained there. They are not an impartial source, so understand that when reading anything on there."


Could be misunderstanding your context. But ev = equity + debt - cash. So don't think it makes sense for an equity holder to have an individual ev/ebitda different from the company's.   Are you asking in context of valuing equity and debt from an ev/ebitda multiple?


A single corporation known for their mistreatment of employees and price/sale scamming taking over markets nationwide is bad for the majority of people. Sure they've provided consumers with a decent and innovative service, but I can't imagine an employer that treats the majority of their staff badly and lies to their customers will have much in the way of altruistic ideals.


You buy a $100k sport car, but don't buy any insurance. You take a curve too fast and jump out just in time to see your car go off a cliff, like a chase movie. The value went from $100k to zero in seconds. Where did the $100k go?


"Basically, in any financial system that features fractional reserve banking, the monetary supply expands during times of prosperity. Stable, low inflation of 2-4% keeps capital available while keeping the value of money stable. It also discourages hoarding of wealth. Banks aren't vaults. They take deposits and make an explicit promise to repay the depositor on demand. Since most depositors don't need to withdraw money regularly, the lend out the money you deposited and maintain a reserve sufficient to meet daily cash needs. When times are good, banks lend to people and businesses who need capital, who in turn do things that add value to the overall economy. When times are bad, people and businesses either cannot get capital or pay more for it, which reduces the number of times that money changes hands and has a negative impact on the wider economy. People who are trying to sell you commodities or who have a naive view of how the economy actually works decry the current monetary system and throw around scary words like ""fiat currency"" and ""inflation is theft"". What these people don't realize is that before the present system, where the value of money is based on promises to repay, the gold and silver backed systems also experienced inflation. With gold/silver based money, inflation was driven by discoveries of gold and silver deposits"


My guess would be a black American express. Or, the accountants will make them switch out throughout the year to get maximum benefits. Sometimes, 1% maxes out at a certain amount, so they'll use a different CC every quarter or so.


it means that 20% of my closing balance each day will be added up over the course of a month and then given once the month is over. Yes apart from the typo 0.20% of every day balance. The rate itself is quoted for a year, so for a day it will be (Px0.20)/(100x365). Where P = The principal amount of every day. The credits will be every month-end. For leap year will be 366. Check with your Bank quite a few Banks still use the old convention of 360 days in year.


Paywall.  But this is an issue that comes up in many places, including California, where we were recently up to our necks in drought, including the pressure on Nestle.  Somewhere, there is a government official that approved this arrangement, just as there was in California.  I'm sure elsewhere, as well.  And we shouldn't be taking Nestle to task, we should be naming those government officials, and investigating them for corruption, or firing them for incompetency.  I can't read this particular article, but I've never seen this addressed in the press.  Are there any names mentioned here?  In California, likely in Michigan, too, the government does not acknowledge individuals right to resources.  We instead use the water supply as fodder for political clout, and give it away 'for jobs' as a favor.  Government shouldn't control the water supply.  It should be owned by people.  Individuals will protect what is theirs in a way government doesn't. Even corporate owners treat what is theirs better that the current model of government leases.


I wasn't going to come out and say that, but you're right. We all know if he does come out with something it will be that we need to make it cheaper to hire people. Now we'll have a bunch of people who have jobs, but are still below the poverty line.  He's replacing one problem (unemployment) with another (even more rampant poverty). Not only that, it's unlikely that it will even have an overreaching impact. The unemployment rate in India is 10% and they have very little rules and regulations regarding workers.  Borrowing at low rates and investing in infrastructure worked out really well in the past. Both Democrats and Republicans have done it, and it always works out well.  I don't know why it's completely off the table right now for them.


Read about [Pigovian Taxes](http://en.wikipedia.org/wiki/Pigovian_tax).    > A Pigovian tax is a tax levied on a market activity that generates negative externalities. In economics, an externality is a cost or benefit, not transmitted through prices, incurred by a party who did not agree to the action causing the cost or benefit  For example someone polluting incurs costs on you to your health and quality of life.


Any person at any time may produce their own currency, one can even do so on the back of a paper napkin, ripped beer coaster or whatever.  This is NOT a banking privilege, it is within the lawful ability of anyone capable of engaging in commerce. It is called a 'negotiable instrument' ... it gives the holder rights to a sum of money.  Notice that I say 'holder' ... this is what distinguishes it from a non-negotiable instrument, the fact that you don't need to redeem it from source, you can pass it to another who then becomes the 'holder in due course' and thus obtains the rights conferred. The conferable rights over a sum of money (or, indeed, other asset) are themselves 'value' Do banks do this ?  Yes, all the time! ... one of the simplest examples are cheques drawn against the bank, which are considered 'as good as cash'.  Usually they will be drawn out to the order of the person you wish to pay ... but can equally be drawn out to bearer.  The only reasons they resist making out to bearer is : But you can write your own at 'any time' on 'any thing' ... See the apocryphal, yet deliciously entertaining, tale of the 'negotiable cow'


It's important to have both long term goals and milestones along the way. In an article I wrote about saving 15% of one's income, I offered the following table:  This table shows savings starting at age 20 (young, I know, so shift 2 years out) and ending at 60 with 18-1/2 year's of income saved due to investment returns. The 18-1/2 results in 74% of one's income replaced at retirement if we follow the 4% rule. One can adjust this number, assuming Social Security will replace 30%, and that spending will go down in retirement, you might need to save less than this shows. What's important is that as a starting point, it shows 2X income saved by age 30. Perhaps 1X is more reasonable. You are at just over .5X and proposing to spend nearly half of that on a single purchase.  Financial independence means to somehow create an income you can live on without the need to work. There are many ways to do it, but it usually starts with a high saving rate. Your numbers suggest a good income now, but maybe this is only recently, else you'd have over $200K in the bank.  I suggest you read all you can about investments and the types of retirement accounts, including 401(k) (if you have that available to you), IRA, and Roth IRA. The details you offer don't allow me to get much more specific than this.


1) Don't trade individual stocks. You expose yourself to unnecessary risk. 2) Pick a fund with low expenses that pays a dividend. Reinvest the dividend back into the fund.  To quote Einstein: The greatest power on earth is compound interest.  Something is wrong with the software of the site. It will not allow me to answer mark with another comment. So I have to edit this answer to be able to answer him.  @mark No, I am not hoping the price will go up. The price is only relevant in comparison to the dividend. It is the dividend that is important, not the price. The price is irrelevant if you never sell. Dividend paying securities are what you buy and hold. Then you reinvest the dividend and buy more of the security. As I am buying the security with the dividend I am actually pleasantly surprised when the price goes down. When the price goes down, but the dividend remains the same, I am able to buy more shares of the security withwith that dividend. So if the price goes down, and the dividend remains the same, it is a good thing.  Again, the site will not allow me to add another comment. @mark I profit from my investment, without selling, by receiving the dividend. I used to be a speculator, trying to get ahead of the market by 'buy low, sell high' but all that did was make money for the broker. I lost as much as I gained trying to do that. The broker made money on each transaction, regardless if I did or not. It took me decades to learn the lesson that 'buy and hold' of dividend paying securities is the way to go. Don't make my mistake. I now get, at least, 5.5% yeald on my investment (look at PGF, which forms the backbone of my investments). That is almost 0.5% per month. Each month that dividend is reinvested into PGF, with no commission. You can't beat that with a stick.


First, A credit account is increased by credit transactions and decreased by debits. Liabilities is a credit account and should be a positive number.  A debit account is increased by debit transactions and decreased by credit. Assets is a debit account and should be a positive number.  Equity = Assets (debit) - Liabilities (credit) may be positive or negative.  You currently are subtracting a negative number for a net positive, since your Liabilities is set as a debit account.  How you currently are set -> Equity = Assets (debit) - Liabilities (debit) It is easier to understand if you change the columns from Increase/Decrease to Credit/Debit. I believe this is changed through Edit > Preferences > Accounts > Labels > Use formal accounting labels.  To fix your situation, open up the Loan account and switch columns on the amounts. This will decrease Opening Balances and increase the loan, per your current column headings.  This is a snippet of Opening Balances. You see that Opening Balances is debited and the Loan/Liability account credited. I included Petty Cash to show the reverse. Petty Cash is an asset, so it credits Opening Balances and debits Petty cash. This is a student loan Liability account. As you see, the Opening Balance is debited and decreased. The loan is credited and Liabilities increased. As payments are made, the reverse happens. The loan, being a credit account, is debited and the balance decreases. Opening Balances moves closer to 0 as well. The savings account, being a debit account, is credited and the balance decreases. There has been no change in Equity since Liabilities and Assets decresed by the same amount.


This is basically done to reduce costs and overhead, with agreement of the credit card issuers. When the card is physically present and the charge is low, the burden of keeping the signed receipts and of additional delays at the cash register is not worth the potential risk of fraud. Depending on the location and the specific charge-back history of the business, the limit above which signature is required differs. In one supermarket in the area I live they require signatures only on charges above $50. In another, 10 miles away from the first one, they require signatures on charges above $25.


>No. He worked overtime, he deserves his pay - not paying him 200k is wrong.  He shouldn't be allowed to work overtime.  Bridge patrol should be mandated to be well rested and never overworked.  They should work max 40 hrs a week.  And they should be salaried and not hourly.  >Is it mismanagement? Yes  OK, so it seems we agree.  I'm not saying let's stop paying for overtime.  I'm just saying we shouldn't be paying that much money to highway patrol, even if it's bridge patrol.


"Every financial services company (and cellphone provider, cable and broadband provider, private energy supplier, and so on and so forth - it's turtles all the way down in a market economy) spends ""something"" to acquire a new customer.  Paying attractive college students minimum wage to hand out brochures and branded fidget toys costs money.  A 1 million piece postal mailing for a 1% response rate costs money.  A TV ad or billboard costs money.  A signup enticement of cash or airplane miles costs money.   The question is, what does an organization spend per new customer?  The amount a company wants to spend has to do with their medium term outlook and overall margins, so it will vary with the business cycle, but a rule of thumb is $100-200 spent for each customer who signs up.  The advantage to this particular offer is that it may involve some payments to Amazon, but it includes less labor or cost-per-wasted-contact than alternatives.  So there's more in the budget to entice the prospect.   Recall, it's a one-time cost, and you gain a relationship where you get 2% of credit processing turnover for the duration of the account; a chance at 19.99% APR financing or other fees; and an opportunity to upsell a mortgage or life insurance or IRA accounts, etc to a known customer."


"There are a lot of things that go into your credit score, but the following steps are core to building it: Now, in your case, you obviously have some flexibility in your monthly budget since you're considering paying down your college loan faster.  You have to weigh whether it would be better to pay off the loan that much faster, or just save the money towards buying the car.  If you can pile up enough cash to buy the car (and still leave yourself an emergency fund) it would be better to buy the car than add another interest payment.  As other answers have noted, you don't want to get in a situation where you have no cash for ""unexpected events"". Some links of interest:"


The headline mentions Harbinger Capital because they were making news this weekend because of an on-going SEC investigation. [Harbinger Capital Partners has been put on notice by the Securities and Exchange Commission that it could face a lawsuit for securities-fraud violations, according to published media reports.] (http://www.thestreet.com/story/11340855/1/harbinger-capital-gets-wells-notices.html)


"Ultimately, it's a race to the bottom. People don't want to admit this, but the US is on its way out. We had a solid thing going for us but our government went for sale/got bought out by CEOs/lobbyist who had ties to other CEOs who just wanted to maximize profits. This started a trend of always needing to make more money every year. That's unsustainable, and it affects every common person. Anyone from poor to upper middle class. That's a lot of the US's population. This has created a class gap and it's all snowballing. This country runs on a system that exists to only benefit the rich. We need heavier taxes and heavier/extreme fines on the people who manipulate the system and legislate laws that negatively impact the population. I.e: Wall Street executives who caused the 2008 crisis. Heavy penalties like having all their assets forfeited or maybe even taking away their citizenship and banning them from the US. Speaking of the 2008 crisis, people took advantage of that as well. They used that crisis to minimize employees and maximize work at the smallest cost, making the population feel ""lucky to have a job"". We haven't recovered from that, and another more catastrophic recession is on the way.   The US is a hollow shell of what it used to be."


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Rebates are offered on exchange to promote liquidity offers so that aggressive buy/sell can be done, otherwise a sizable sell/buy would crash the price of a stock with no liquidity, it is perfectly normal for a firm to attempt look for the rebate if the customer is willing to wait longer for the execution to happen. The Author clearly has no freaking idea what the hell he is talking about.


"Rather than automating it, why not just create a listing that you maintain and display on your site yourself?  That way you don't have to give out credentials or anything else. It also presents a bit of a marketing opportunity.  You could group contributors by the size of their contributions and thank them publicly.  For example, maybe your top contributors could be members of the ""Heroes Club"", and you could come up with jazzy names for other groups.  It's a way of publicly acknowledging their contributions in a way that they appreciate, and perhaps it motivates others to up their own contributions to get into one of the more prominent groupings.  It becomes a competitive ""one-upsmanship"" thing, if that makes sense. I understand your desire to be transparent, and that's admirable, but see the marketing and public relations opportunity it brings to you as well. I hope this helps. Good luck!"


Yeah,  but the direct flight to Seattle is too long from the east coast. Southern California has Hollywood, Amazon video studio +1, 3 major ports of America because they are on the top 20 ports of America  (( LA, long Beach and san Diego) (LA is number 1, long Beach is 2, 3 is new York and New Jersey Port authority means MULTIPLE PORTS and 4 is the Seattle and Tacoma authority which also means the same shit.)) Good universities, California tech, ucla and usc to name a few. They are close to companies like boeing, Raytheon and Lockheed,(all withing 50 miles of each other from some reason)East coast is good for finance but is good a headquarters have to mean its close to their other branches? East coast is good only known for their investment banking. I don't know I'm just some drunk guy on the internet. But in my opinion California is the 6th? largest economy in the world and yes, if a yuppie city is willing to give you 5 billion to go there massive amount of resources compared to Memphis, New Jersey and what not just because a hq has to close to what😵? Think farther, go south, Mexico and south America. Hq1 USA and Canada and hq2 south America...


There's a massive commitment involved, and lots of barriers to entry, sports is just about the perfect metaphor.  You have to be pretty smart and you have to commit yourself to acquiring a set of skills that will be mostly useless if you fail to land a programming job.  That and the fact that the market changes so quickly that skills you had five years ago may no longer be relevant, while skills that have been out of fashion for 20 years might suddenly be the most necessary.  The work is anything but glamorous, tedious, and incredibly difficult to do well.  And the skillset that you'd enter college with you could parlay into much more lucrative positions.  Microsoft is competing with Bank of America for it's talent, not General Electric, and their salaries should be commensurate with the going rate for that kind of talent.  If they don't want to pay, they should offshore, but good luck with that.   Microsoft of course knows all this.  Which is why they're trying to get away with paying 10k per H1B visa when they know that acquiring the talent that they want stateside would cost them 30x as much.


I apologize to you too :) the first comment I made I thought was pretty funny so I felt a little surprised when I saw it the next day.   Yeah, China has improved and most people who have office jobs or are small business owners play. Apple actually tried to use the hunger tactic of selling iPhones, they would release them in every country then finally starve china so when it's released everyone flocks. Then Chinese people mini revolted and apple lost like 2 billion or smt, and had to apologize. Mob rule is pretty powerful sometimes ;)  Where in Australia did you live? I was in the Gold Coast before also moving to the states.


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"The CBOE states, in an investor's guide to Interest Rate Options: The Options’ Underlying Values   Underlying values for the option contracts are   10 times the underlying Treasury yields (rates)—   13-week T-bill yield (for IRX), 5-year T-note   yield (for FVX), 10-year T-note yield (for TNX)   and 30-year T-bond yield (for TYX). The Yahoo! rate listed is the actual Treasury yield; the Google Finance and CBOE rates reflect the 10 times value.  I don't think there's a specific advantage to ""being contrary"", more likely it's a mistake, or just different."