"> Basically, the whole idea of passive/mindless (""set it and forget it"") gains from investments being the path to ""wealth"" has to go bye-bye -- it was never really ""real"" to begin with (unless you ""timed"" the market just right), and the vast majority of the gains were nominal anyway.  Couldn't have said it much better.  > a lucky generation or two got away with it (sheerly by accident in the timing of their birth, something they really had no input into).  While I agree a majority was luck to be born at the right time, Boomers are to blame (IMHO) for the loss of ""guaranteed retirement."" Pensions were one of the greatest things that came out of the industrialization and unionization of the late 19th-mid 20th century and Boomers allowed government to change regulations that permitted corporations to raid pension funds, monkey around with them, and then cry about them being burdensome after they hollowed them out.  The vast majority of people are not smart enough to save sufficiently for their future and pensions were the safeguard for that. Boomers let that go for higher immediate take home and, now, will be reliant on SSI and meager savings.  > Instead I think one will ALWAYS need to be ""working"" in some manner or another -- actively overseeing ones investments and remaining ""agile"" in response. And of course there is risk involved in that (as if there is really any reason we should expect there NOT to be? Anyone who thinks that way IMO is simply ignorant of the vast scope of human history).  For those of us here, that is feasible. However, most people will not have the interest or ability to manage their own investments. Where does this requirement leave them? Still working and, in doing so, keeping those jobs from opening up for new graduates/new people entering the workforce.  > The best I think one can do is to TRULY diversify (and that does NOT mean ""mutual funds"") -- to separate your eggs into various ""baskets"", holding some major part in solid (as solid as can be) form (even with the possibility of zero return and/or some ""loss"" -- i.e. owning primary housing clear of debt, some PM's in physical form, etc); having other assets in what are fairly solid ""bets"" (based on demographic trends, company quality, etc); and then some things (several small bets) that are ""long shots"" but potentially high-return things (where just one ""win"" can not only offset a dozen non-performers/losers, but gain you a substantial real profit).  I could not agree more. I have done the same thing and used the same argument; even to the point of purchasing a whole life insurance policy. Diversification, in case one or multiple investments tank, is the only way to survive.  I have also decided that, for some of my assets, I am just a DCA/DRIP buy and hold guy of 10-20 diversified stocks from different industries. Leave it up to time and compounding over my own ability to time/pick.  Anyway, I guess that's the whole answer; there is no right answer. Diversification and continued diligence are key.  Good discussing with you. Best of luck."


No one pays 35%, due to the loopholes. Effective tax rates (what they ACTUALLY pay) are lower for major corps than most individuals.   > Does it not make more sense to lower the corporate tax rate while reducing loop holes etc... to make the American corporation more competitive.   This makes sense, but people put those loopholes in there to help themselves and they'll fight to keep them. It's such a mess of tax code.


"I agree with Joe Taxpayer that a lot of details are missing to really evaluate it as an investment... for context, I own a few investment properties including a 'small'  10+ unit apartment complex. My answer might be more than you really want/need, (it kind of turned into Real Estate Investing 101), but to be fair you're really asking 3 different questions here: your headline asks ""how effective are Condo/Hotel developments as investments?"" An answer to that is... sometimes, very. These are a way for you-the investor-to get higher rents per sq. ft. as an owner, and for the hotel to limit its risks and access additional development funding. By your description, it sounds like this particular company is taking a substantial cut of rents. I don't know this property segment specifically, but I can give you my insight for longer-term apartment rentals... the numbers are the same at heart. The other two questions you're implying are ""How effective is THIS condo/hotel development?"" and ""Should you buy into it?"" If you have the funds and the financial wherewithal to honestly consider this, then I am sure that you don't need your hand held for the investment pros/cons warnings of the last question.  But let me give you some of my insight as far as the way to evaluate an investment property, and a few other questions you might ask yourself before you make the decision to buy or perhaps to invest somewhere else.  The finance side of real estate can be simple, or complicated. It sounds like you have a good start evaluating it, but here's what I would do: Start with figuring out how much revenue you will actually 'see': Gross Potential Income: 365 days x Average Rent for the Room = GPI (minus) Vacancy... you'll have to figure this out... you'll actually do the math as (Vacancy Rate %) x GPI (equals) Effective Potential Income = EPI Then find out how much you will actually pocket at the end of the day as operating income: Take EPI (minus) Operating expenses ... Utilities ... Maintenace ... HOA ... Marketing if you do this yourself (minus) Management Expenses ... 40% of EPI ... any other 'fees' they may charge if you manage it yourself. ... Extra tax help? (minus) Debt Service ... Mortgage payment ... include Insurances (property, PMI, etc) == Net Operating Income (NOI) Now NOI (minus) Taxes == Net Income Net Income (add back) Depreciation (add back) sometimes Mortgage Interest == After-tax Cash Flows There are two ""quickie"" numbers real estate investors can spout off. One is the NOI, the other is the Cap Rate.  In order to answer ""How effective is THIS development?"" you'll have to run the numbers yourself and decide. The NOI will be based on any assumptions you choose to make for vacancy rates, actual revenue from hotel room bookings, etc. But it will show you how much you should bring in before taxes each year. If you divide the NOI by the asking price of your unit (and then multiply by 100), you'll get the ""Cap Rate"". This is a rough estimate of the rate of return you can expect for your unit... if you buy in.  If you come back and say ""well I found out it has a XX% cap rate"", we won't really be qualified to help you out. Well established mega investment properties (think shopping centers, office buildings, etc.) can be as low as 3-5 cap rates, and as high as 10-12. The more risky the property, the higher your return should be. But if it's something you like, and the chance to make a 6% return feels right, then that's your choice. Or if you have something like a 15% cap rate... that's not necessarily outstanding given the level of risk (uncertain vacancies) involved in a hotel.  Some other questions you should ask yourself include:  How much competition is there in the area for short-term lodging? This could drive vacancies up or down... and rents up or down as well How 'liquid' will the property (room) be as an asset? If you can just break even on operating expense, then it might still make sense as an investment if you think that it might appreciate in value AND you would be able to sell the unit to someone else.  How much experience does this property management company have... (a) in general, (b) running hotels, and (c) running these kinds of condo-hotel combination projects? I would be especially interested in what exactly you're getting in return for paying them 40% of every booking. Seasonality? This will play into Joe Taxpayer's question about Vacancy Rates. Your profile says you're from TX... which hints that you probably aren't looking at a condo on ski slopes or anything, but if you're looking at something that's a spring break-esque destination, then you might still have a great run of high o during March/April/May/June, but be nearly empty during October/November/December.  I hope that helps. There is plenty of room to make a more ""exact"" model of what your cash flows might look like, but that will be based on assumptions and research you're probably not making at this time."


The retaining walls sydney concept of using these constructions is not new at all as spans several cultures and mostly from Asia. Modern-day advancement of technology as well as human wits have given birth to different kinds of retaining walls Sydney to help shape your paradise on earth.


With all due respect to The David, the $1000 is best put against 20%+ debt, no sitting in checking as part of some emergency fund.  I'd agree with the decision to pay off the lower rate card. Why? Because we can do the math, and can see the cost in doing so. Low enough that other factors come in, namely, a freed up card. That card can function as the emergency one in the short term. Long term, once these high rate cards are paid off, you'll build your proper emergency fund, but the cost is too high right now.  The $4000 is a nice start, but the most important thing is to get your budget under control. Only you can decide how much you can cut back, and go after this debt as if it were life or death.


Great question! It can be a confusing for sure -- but here's a great example I've adapted to your scenario: As a Day Trader, you buy 100 shares of LMNO at $100, then after a large drop the same day, you sell all 10 shares at $90 for a loss of $1,000. Later in the afternoon, you bought another 100 shares at $92 and resold them an hour later at $97 (a $500 profit), closing out your position for the day. The second trade had a profit of $500, so you had a net loss of $500 (the $1,000 loss plus the $500 profit).  Here’s how this works out tax-wise: The IRS first disallows the $1,000 loss and lets you show only a profit of $500 for the first trade (since it was a wash). But it lets you add the $1,000 loss to the basis of your replacement shares. So instead of spending $9,200 (100 shares times $92), for tax purposes, you spent $10,200 ($9,200 plus $1,000), which means that the second trade is what caused you to lose the $500 that you added back (100 x $97 = $9,700 minus the 100 x $102 = $10,200, netting $500 loss). On a net basis, you get to record your loss, it just gets recorded on the second trade. The basis addition lets you work off your wash-sale losses eventually, and in your case, on Day 3 you would recognize a $500 final net loss for tax purposes since you EXITED your position. Caveat: UNLESS you re-enter LMNO within 30 days later (at which point it would be another wash and the basis would shift again). Source: http://www.dummies.com/personal-finance/investing/day-trading/understand-the-irs-wash-sale-rule-when-day-trading/


"It should be pretty obvious that without knowing what sort of assets the company owns, and what sort of net earnings are being generated it's impossible to say what a $20k equity investment should get you in terms of ownership percentage.   With that said, you want to look at a few to several years of books, look for trends.  Some things to understand that might be subtle red flags: It's extremely common for early stage investors to essentially make loans rather than strictly buying shares.  In the worst case scenario creditors get to participate in liquidation proceedings before shareholders do.  You may be better off investing in this business via a loan that's convertible to equity at your discretion.   Single owner service companies are difficult because all of the net earnings go to the proprietor and that person maintains all of the relationships.  So taking something like 5 years of net earnings as the value of the company doesn't make much sense because you (or someone else) couldn't just step in and replace the owner.  Granted, you aren't contemplating taking over the business, but it negates using an X years of net earnings valuation method.  When you read about valuation there is a sort of overriding assumption that no single person could topple the operation which couldn't be farther from the truth in single employee service companies.  Additionally, understand that your investment in a single owner company hinges completely on one person's ability and willingness to work. It's really vital to understand the purpose of the funds.  Someone will be hired?  $20,000 couldn't be even six months of wages... Put things in to perspective with a pad, pen and calculator.  Don't invest in the pipe dream of a friend of yours, and DEFINITELY don't hand this person the downpayment for their new house.  The first rule of investing is ""don't lose money,"" this isn't emotional, this is a dollars and cents pragmatic process. Why does the business need this money?  How will you be paid back?   Personally, I think it would be more gratifying to put $20k in a blender and watch it blend, this is probably a horrible investment.  The risk should just be left to credit card companies."


"No. That return on equity number is a target that the regulators consider when approving price hikes. If PG&E tried to get a 20% RoE, the regulator would deny the request. Utilities are basically compelled to accept price regulation in return for a  monopoly on utility business in a geographic area. There are obviously no guarantees that a utility will make money, but these good utilities are good stable investments that generally speaking will not make you rich, but appreciate nicely over time. Due to deregulation, however, they are a more complex investment than they once were. Basically, the utility builds and maintains a bunch of physical infrastructure, buys fuel and turns it into electricity. So they have fixed costs, regulated pricing, market-driven costs for fuel, and market-driven demand for electricity.  Also consider that the marginal cost of adding capacity to the electric grid is incredibly high, so uneven demand growth or economic disruption in the utility service area can hurt the firms return on equity (and thus the stock price). Compare the stock performance of HE (the Hawaiian electric utlity) to ED (Consolidated Edison, the NYC utility) to SO (Southern Companies, the utility for much of the South). You can see that the severe impact of the recession on HE really damaged the stock -- location matters. Buying strategy is key as well -- during bad market conditions, money flows into these stocks (which are considered to be low-risk ""defensive"" investments) and inflates the price. You don't want to buy utilities at a peak... you need to dollar-cost average a position over a period of years and hold it. Focus on the high quality utilities or quality local utilities if you understand your local market. Look at Southern Co, Progress Energy, Duke Energy or American Electric Power as high-quality benchmarks to compare with other utilities."


(1) Should I register for VAT?  – If it is below the threshold amount it is purely voluntary. If you register for VAT, you would have to charge VAT and then do returns every quarter. If you can take up this bit of hassle, it doesn't make much of a difference. One thing you need to consider: you get 1% discount during your first year of registering for VAT. If you want to save this discount for when you really need to pay VAT, it could be helpful. (2) What benefits would registering for VAT include?  – Except for reclaiming VAT, where you pay VAT for business expenses, not much. (3) Would I not just hold onto the monies for HMRC ?  – You wouldn't hold any money for HMRC. They will send you notifications if you do not file your returns and pay your VAT quarterly. And get everything cleared from your accountant. If your accountant doesn't answer properly, make it clear you need proper answers. Else change your accountant. If you do something wrong and HMRC gets after you, you would be held liable – your accountant can take the slip if you signed on all business documents provided by your accountant.


Do they even know how to find these people, short of using facial recognition or somesuch wizardry?  I mean I'm assuming they paid for the gift cards with cash.  Do you have to provide identifying information to activate them?


Saltgrass used to charge per shift for an apron cleaning fee-- their aprons and their cleaning.  One day I a couple years later I got a class action settlement check in the mail for a couple hundred bucks.  Even if this is a legal practice I think it would be one that invited class action litigation.


"Regarding ""Interest on idle cash"",  brokerage firms must maintain a segregated account on the brokerage firm's books to make sure that the client's money and the firm's money is not intermingled, and clients funds are not used for operational purposes. Source.   Thus, brokerage firms do not earn interest on cash that is held unused in client accounts. Regarding ""Exchanges pay firm for liquidity"", I am not aware of any circumstances under which an exchange will pay a brokerage any such fee.  In fact, the opposite is the case.  Exchanges charge participants to transact business. See : How the NYSE makes money Similarly, market makers do not pay a broker to transact business on their behalf.  They charge the broker a commission just like the broker charges their client a commission.  Of course, a large broker may also be acting as market maker or deal directly with the exchange, in which case no such commission will be incurred by the broker.  In any case, the broker will pay a commission to the clearing house."


The previous day's close on Thursday 10th October was 5,000.00 The close on Friday 11th October is 5,025.92 So the gain on Friday was 25.92 (5025.92 - 5000) or 0.52% (25.92/5000 x 100%). No mystery!


Look at how fast you are backpedaling. My statement was that you can get a union job at Boeing with nothing more than a high school degree and a passing drug test. Both my observations and Boeings own job posting lend certainty to the fact that that statement was accurate.  You don't seem to have the courage to just outright admit you're wrong, so that will have to do.  >You're not proving anything by showing me the job specs.  You claimed that it required more than a high school diploma to get a job at Boeing. I proved you to be incorrect.  >What you don't understand since live in a world where your resume gets you in the door is that the difficulty of a job  I don't think there's anything involving this conversation that you understand but I don't. I understand how difficult getting a job at Boeing is. I understood the requirements while you falsely claimed that they were something other than what I said. And I have fought far harder to get where I am than you have for anything in your career, so I am aware of the difficulty of getting jobs in general.   By the way, if you're relying on your resume to get your foot in the door you have already failed.  >And just for the record, Boeing's thousands of union professional and technical aeronautical engineers would like to have a word with you about lack of credentials required to get a union job at Boeing, if we're going to split hairs.  So your argument is now that SOME of the union jobs require greater credentials? Really? Nice try but your bullshit argument reframing isn't going to fly.


I see your remarks regarding Zillow, but would add a question. Why not look only for recent sales? If you find homes similar to yours with recent sales, that's similar to how the appraisers do it. I've refinanced many times and each time, I looked at sales within three miles of my house. I hit the appraised price very close in my estimate, high or low compared to Zillow, but used transaction data from there.just my thought.  I chose a random neighborhood, and this was the first house I clicked. The main view shows last sale date, so I'd obviously suggest the OP look for more recent ones. If turnover is that low in his neighborhood, I understand, but the comment that transactions aren't listed is factually incorrect. I'd like my 2pts back. :)


"The concept of emergency fund is a matter of opinion. I can tell you the consensus is that one should have 6-9 months worth of expenses kept as liquid cash. This is meant to cover literally all bills that you might encounter during that time.  That's a lot of money. There are levels of savings that are shy of this but still responsible. Not enough to cover too much in case of job loss, but enough to cover the busted transmission, the broken water heater, etc. this is still more than many people have saved up, but it's a worthy goal.  The doctor visit is probably the lowest level. Even without insurance, the clinic visit should be under $200, and this shouldn't cause you to have to carry that amount beyond the time the bill comes in.  The point that shouldn't be ignored is that if you owe money at 18% on a credit card, the emergency fund is costing you money, and is a bit misguided. I'd send every cent I could to the highest rate card and not have more than a few hundred $$ liquid until the cards were at zero.  Last - $5K, $10K in the emergency account is great, unless you are foregoing matched 401(k) dollars to do it. All just my opinion. Others here whom I respect might disagree with parts of my answer, and they'd be right.   Edit - Regarding the 'consensus 6-9 months' I suggest -  From Investopedia - ""...using the conservative recommendation to sock away eight months’   worth of living expenses...."" The article strongly support my range for the fact that it both cites consensus, yet disagrees with it.  From Money Under 30 The more difficult you rank your ability to find a new job, the more   we suggest you save — up to a year’s worth of expenses if you think   your income would be very difficult to replace. From Bank of America   I have no issue with those comfortable with less. A dual income couple who is saving 30% of their income may very well survive one person losing a job with no need to tap savings, and any 'emergency' expense can come from next month's income. That couple may just need this month's bills in their checking account."


If you read the entire proposal it's a very long term plan. This would basically equal or potentially surpass Seattle. To surpass Seattle you'd need a major metro area larger than Seattle, there are only a few of those. I don't think they would pick an area smaller than Seattle unless they had plans to literally grow a metro area from themselves (which is entirely possible).   The total infrastructure of a major metro area means x # of local people at the educational, experience and income income levels. Real estate should be equal or favorable.   LA has everything besides a favorable tax envionment. Public metro could also be a problem. Everything else is unique confluences of all of the requirements.  It really depends on what industries will be their focus. Amazon fresh obviously with Whole foods like AWS and their ecom being the largest customer of AWS allowing them to earn large customers like the CIA.  I think it would be wise to think in terms of driverless vehicles, drones and 3d printed or fabricated automatic manufacturing and energy in addition to grocery and pharmaceutical.  Being near to customers has been one of their primary vectors since forever. Major metro area heat maps would be a good place to start.


"You can type formatted text in reddit by using control characters, but the control characters are sometimes just normal characters that someone may want to type. In this case, to type a ""literal"" *, you must ""escape"" the control character with a \ before it."


Shop Navratri Ethnic clothing for women at discounted prices at ethnic-rack.com. Free Shipping on order over $99. Use Coupon FESTIVE13 (for 13% off), FESTIVE17 (for 17% off), and FESTIVE20 (for 20% off). HURRY UP OFFER FOR LIMITED TIME PERIOD. Grab the Opportunity.


Thanks to this youtube video I think I understood the required calculation. Based on following notation: then the formula to find x is: I found afterwards an example on IB site (click on the link 'How to Determine the Last Stock Price Before We Begin to Liquidate the Position') that corroborate the formula above.


See my comment for some discussion of why one might choose an identical fund over an ETF.  As to why someone would choose the higher cost fund in this instance ... The Admiral Shares version of the fund (VFIAX) has the same expense ratio as the ETF but has a minimum investment of $10K.  Some investors may want to eventually own the Admiral Shares fund but do not yet have $10K.  If they begin with the Investor Shares now and then convert to Admiral later, that conversion will be a non-taxable event.  If, however, they start with ETF shares now and then sell them later to buy the fund, that sale will be a taxable event. Vanguard ETFs are only commission-free to Vanguard clients using Vanguard Brokerage Services.  Some investors using other brokers may face all sorts of penalties for purchasing third-party ETFs.  Some retirement plan participants (either at Vanguard or another broker) may not even be allowed to purchase ETFs.


I worked in hr recruiting software for 6 years,(job applications web sites). While this all sounds heavy handed, our experience was that this was an individual problem not a corporate problem. In other words if you can show the hiring manager they are being racist, and educate them both on the their bias and on the tracking capabilities, people changed their hiring bias or they were fired for cause. Yes big companies wanted the data to prove they were not being racist, but even small companies benefited from having the data. If a company wants to be racist in their hiring I am ok with that company going away.


The biggest value driver we identified were staff costs. If Amazon implements their Amazon Go technology in Whole Foods' stores(which I assume is their current plan) they would be able to cut a large chunk of staff costs reducing COGS significantly. With Jana Partners buying up shares and an already large institutional share of ownership we saw the likelyhood of success of a deal to be quite high.   The new technology is exciting and we believe interest for shopping at Amazon will be high the first years which brings revenue synergies to the table.   I'm on mobile right now(at work) so maybe I can give a more detailed answer later.


That is not why I did that. I brought it to the extreme to make you understand that what you said is not true.  It's easy to just say someone is dumb and stubborn when you don't have something to respond with.  Since you clearly don't want to continue this discussion, have a nice life


The current store front my business moved into 3 months ago, was a Zildjian office/store. There was a big room with fully insulated walls and ceiling where artists could test cymbals.   I knew Zildjian is one of the oldest companies in the world so I was super honored to land the location they used to be in.


If you are planning a birthday party for your kid why do not you think at Legos for the theme? There are some easy ways to decorate that special Lego birthday cake. It is a great toy by which kids can construct all types of things, from houses to working models of cars or trains and mountains and trees.


In the case of HP, in the early to mid 1990's they had done really well, but by the late 90's the board and shareholders wanted to see even more profits thanks to the internet boom. They ousted their CEO Platt, who rose through the HP ranks, brought in Fiorina who was from AT&T (old Long Distance AT&T not the SBC/Cingular one we have now), who over-promised and never delivered and basically forced HP in buying Compaq which nearly destroyed HP.  The only reason why HP is still around today is thanks to its business line of workstations and printers. The company made many bad decisions during Fiorini tenure which was amazing that anyone trusted her, but I'm guessing she was great at hissy fits. Somehow she has made a name for herself and is now trying politics and her type of leadership fits perfectly with the current republican party.


ACH as offered in US is a very broad and versatile network used for a range of business case. There is no other network as versatile. In Europe UK has BACS as equivalent about 50-70% of what US-ACH offers. Most European countries also have ACH [Collectively Called ACH, have 90% of the layouts that are identical, called by different names domestically, different business capabilities and rules]. Most countries in Asia also have similar networks. For example in India there is ECS now replaced by NACH. In Singapore/Indonesia/Thailand/Malaysia they have Giro's. China has CNAPS and BEPS. So essentially every country has addressed the business need differently and bis.org has a decent over-view country wise on the clearing systems available.


"People who rent an apartment will typically pay by check. Probably 90% of the checks I have written are for rent. To some extent this falls under the previously mentioned ""payments to another person"" rule."


Two ideas. EDIT: you should also do alot of research about how to invest this money properly. Something low risk but will beat inflation by a margin.


> When we stopped using horses & buggies, all the people in those industries didn't just throw up their hands and walk away from work.  We started producing cars that still needed to be driven by humans. Now we can produce cars with minimal human intervention in the production process and they'll be driving themselves.  A robot already did an unassisted heart surgery and they are better at diagnosing then MDs.   We moved from agriculture to industry to service. Once we automate service what is left for humans to do? Entertain?


>Xin Guobin, vice-minister of industry and information technology, told a forum in the northern city of Tianjin at the weekend that his ministry had started “relevant research” and was working on a timetable for China.  >Xin said the policy would be implemented “in the near future”, according to the official Xinhua news agency.  One guy in the bureaucracy announced to a group of irrelevant people that they're thinking of looking into it. This is another empty promise made to look good in the papers, not a real policy. Banning all gasoline cars in a country that size, with that weak and inconsistent of infrastructure? I'll believe it when I see it.


You've never heard of Halliburton?  Granted that was Cheney.  Cheney received received $398,548 in deferred compensation from Halliburton while Vice President.  Don't remember him going to jail.  And let's not forget the Bush's.  They had numerous investments in oil companies.  What's the best way to drive up oil prices?  War in the Middle East of course.  Vice President/President Gerald Ford also was criticized for his investments.  This nothing new.  Presidents are allowed to continue to operate their businesses.  And I can't think of a single one that was ever punished for doing that.  Honestly what I like about Trump compared with other Republicans is the fact he has no interest in war.   He has absolutely nothing to gain from war.  And every interest in peace.  War would probably hurt his businesses.  Look at the cease fire in Syria.  Look at how he ended a CIA program arming Syrian rebels.  That very different from what was happening under Obama and Clinton at the State Department.


I don't really consider algorithms a form of intelligence, as they are generally static in their outputs. AI would change the algorithm or would design a new one.  But I really don't know enough about this stuff, and I need to read up on it.


>old investors  SS is not an investment. It is a Tax. Learn the difference. Thus you pay for it with the [Federal Insurance Contributions Act tax (FICA)](http://en.wikipedia.org/wiki/Federal_Insurance_Contributions_Act_tax).   It is *not* an investment, you do not have an account with your money, it has *always* been a pay as you go plan, just like medicare, funds for schools, and all the other programs.  So you fail again on all counts.   >And what part of the constitution says the US government should collect some of my wages and save it for me for later?  Since it is a tax, Article I, Section 8, Clause 1 covers it pretty well. And the Supreme Court has held that the two mentions of promoting the general welfare also allow taxation for promoting the general welfare.  You might want to learn about what the Constitution actually says and more importantly *how that is interpreted by law* instead of what you think it says.  >You do know, some people have opted out of SS? Even the US government will not take the fight to court.  The US government wrote the laws that specify exactly who can opt out. Most people *cannot* just opt out because they don't meet the criteria. Again you're wrong.


I haven't heard of a company allowing you to convert an after-tax 401k to a Roth 401k, though an after-tax 401k to a Roth IRA conversion is common and has basically the same upside. You'll have a taxable event on your gains until the point of the conversion, but that's a small price to pay to make sure all future gains are tax free. I agree, there really is no downside.


"I purchase next to 0 processed foods every month. I'd go with maybe a few ""extras"" every month that I enjoy (granola bars, cookies, whatever). I spend MUCH less on food (and eat WAY more) than anyone else I know. You really think that that box of corn dogs is cheaper than a couple pounds of grass fed beef? When you do the math, and figure out that you only eat 4-8oz of beef in a sitting, yet you eat 3 corn dogs, it becomes clear what the better option is.  The problem isn't a lack of money, it is a lack of education in basic nutrition."


Although it may be a little late for you, the real answer is this:  When you close on a mortgage for a primary residence you are affirming (in an affidavit), two intents: Now, these are affirming intentions — not guarantees; so if a homeowner has a change of circumstance, and cannot meet these affirmed intentions, there is almost always no penalty.  Frankly, the mortgage holder's primary concern is you make payments on time, and they likely won't bother with any inquiry.   That being said, should a homeowner have a pattern of buying primary residences, and in less than 1 year converting that primary to a rental, and purchasing a new primary; there will likely be a grounds for prosecution for mortgage fraud. In your specific situation, you cannot legally sign the owner-occupancy affidavit with the intention of not staying for 1 year.  A solution would be to purchase the condo as a second home, or investment; both of which you can still typically get 80% financing.  A second home is tricky, I would ask your lender what their requirements are for 2nd home classification.   Outside that, you could buy the condo as a primary, stay in it for a year, then convert.  If you absolutely had to purchase the 2nd property before 1 year, you could buy it as a primary with a 2 month rent back once you reach 10 months.  Should you need it earlier, just buy the 2nd house as an investment, then once you move in, refinance it as a primary. This last strategy requires some planning ahead and you should explain your intention to the loan officer ahead of time so they can properly price the non-owner occupied loan.


Defined Benefit Plans: Defined benefit plans are disappearing because of their high cost to the companies that provide them.  When an employee retires, the company must pay his pension for the rest of his life, even longer if the pension includes a survivor option.  Thus the company's financial burden grows as more employees retire.   By law, they must provide a fund that has sufficient resources to pay all present and future pensions.  Low interest rates, such as we have now, place a greater burden on the amount that must be in these funds.   For these reasons, most companies, including large ones like IBM and Lockheed Martin, have discontinued their pension plans and provide only defined contribution plans.   Defined Contribution Plans: These require the company to only make contributions while the employee is working.  Once the employee retires, the company's responsibility ends.  Usually these plans employ a 401K type savings plan for which the employee contributes and the companies matches some or all of that contribution.  Comparison: Although a fully company paid pension plan is the best, it is now almost unavailable.  The defined contribution plan, if it includes company matching, can be a viable alternative if the investments are chosen wisely and perform as expected.  Of course, this is not guaranteed but is probably the best option that most working people have at this time.


Certainly some channels like History (tbf it was always a little crappy) and Discovery turned to total crap but stations like FX and AMC went from showing shitty 80's movies to producing some of the best original shows of all time.   Sci-fi has gone mostly shit, but it still does sci-fi original programming.   Really, DVDs, DVR and Netflix have ruined rerun value. Networks can only make money on new stuff. So they show shit most of the time, and go to good stuff of a couple hours a week.


I would suggest opening a new account (credit card and bank) for just your business. This protects you in multiple ways, but is no bigger burden for you other than carrying another card in your wallet.  Then QB can download the transactions from your website and reconciling is a cinch. If you got audited, you'd be in for a world of pain right now.  From personal experience there are a few charges that go unnoticed that reconciling finds every month at our business.  We have a very strict process in place, but some things slip through the cracks.


If for any tax year, you were eligible to make deductible contributions to a Traditional IRA, and did make the contributions in timely fashion, then there is no need to file Form 8606 for that year. Form 8606 (which tracks your basis in the IRA) is needed if Form 8606 is also needed if


Minneapolis is totally underrated, I agree. One of the more surprisingly cool US cities imo.   I had a similar experience the first time I went to Pittsburgh too, not long ago. I spent the whole week talking myself out of impulsively just moving there. Did not expect that at all.   I guess neither were necessarily 'underrated' per se – more like under-acknowledged for their coolness.


"I read this so often and it's such bullshit.  Do you know why robots won't replace fast food workers? Because the fast food workers are cheap. Dirt cheap.  Why don't people realize this? I guess because most people earn pretty shitty wages themselves, so they don't see how $7.50/hr. is next to nothing, especially when your average McDonald's store makes $7,100 in revenue per day. 3 shifts of 6 workers means your wage costs are $1,080 for workers, ex-managers. Wages are 15% cost of sales.  That's nothing.  Would robots cost less? Hmm...maybe. How much do they cost to buy? How often do you need to maintain them? How much do parts cost? IT staff to manage them? Do you still need a manager to take in deliveries, and is he going to stack and organize them now? (Robots can't do that--they lack the dexterity.) Also, are the managers going to start cleaning the toilets now? Doubtful--and robots can't do that either.  In other words, this ""robots are taking over"" is true but ""robots are going to crowd out minimum wage workers"" is complete and total horseshit. I think lower middle class and middle class office workers are being fed this line to oppose minimum wage increases--which of course boost corporate margins.  But they're the ones at risk.  You know who robots CAN replace more easily than minimum wage workers? Office workers. Secretaries, actuaries, bookkeepers, investment managers, marketing analysts, IT managers, accountants, journalists...  Don't worry, middle class America. The robots aren't coming for the people who clean your toilets, who cook your food, and who wash your dishes. No. They're coming for you."


I've always thought, how could they afford that expensive real estate at the end of those dumbbell malls (the ones with the largest stores on either end) for almost all of their stores? A store like American Eagle is so much more profitable by area and are in the middle of the mall. Not many people really think about Sears as being the 'best' in any part of the market.


"*While the politicians delay dealing with the stickier issues of immigration reform, surely they could get together on abolishing the limits on H1b visas for young educated foreign workers.*  Yes, surely they could get together on abolishing the limits on H1b visas for YOUNG educated foreign workers and thereby throw even more older tech workers out of work. As you can see from the first graph and table at http://econdataus.com/h1binfo.htm , the top 11 users of H1b visas in 2013 were companies heavily involved in outsourcing. And as you can see from the third graph and table at http://econdataus.com/h1binfo.htm , over 80 percent of initial H-1B hires are under 35.  Few of those high tech firms pushing to increase or abolish the limits on H1b visas even suggest that we need have any concern for U.S. workers. Perhaps workers and other citizens should reward those tech companies by giving them a taste of their own philosophy. Ignore any suggestion that we give any deference to tech products made in the U.S. and buy only foreign products. That will help build the foreign competition, giving those foreign workers places closer to home at which they can work. That may dry up the supply of cheap foreign labor and cause U.S. companies to treat their U.S. workers a little better. And, to paraphrase the pro-H1b philosophy, why should we buy a product made in the U.S. when a ""more qualified"" one is available from a foreign country?"


Everbank has offered accounts in foreign currencies for a while. https://www.everbank.com/currencies Takes a while to get it setup; and moving cash in and out is via wire transfer.  Also you need to park $5K in USD in a money market account; which you use as a transfer point.


"Exactly what accounts are affected by any given transaction is not a fixed thing. Just for example, in a simple accounting system you might have one account for ""stock on hand"". In a more complex system you might have this broken out into many accounts for different types of stock, stock in different locations, etc. So I can only suggest example specific accounts. But account type -- asset, liability, capital (or ""equity""), income, expense -- should be universal. Debit and credit rules should be universal. 1: Sold product on account: You say it cost you $500 to produce. You don't say the selling price, but let's say it's, oh, $700. Credit (decrease) Asset ""Stock on hand"" by $500. Debit (increase) Asset ""Accounts receivable"" by $700. Credit (increase) Income ""Sales"" by $700. Debit (increase) Expense ""Cost of goods sold"" by $500. 2: $1000 spent on wedding party by friend I'm not sure how your friend's expenses affect your accounts. Are you asking how he would record this expense? Did you pay it for him? Are you expecting him to pay you back? Did he pay with cash, check, a credit card, bought on credit? I just don't know what's happening here. But just for example, if you're asking how your friend would record this in his own records, and if he paid by check: Credit (decrease) Asset ""checking account"" by $1000. Debit (increase) Expense ""wedding expenses"" by $1000. If he paid with a credit card: Credit (increase) Liability ""credit card"" by $1000. Debit (increase) Expense ""wedding expenses"" by $1000. When he pays off the credit card: Debit (decrease) Liability ""credit card"" by $1000. Credit (decrease) Asset ""cash"" by $1000. (Or more realistically, there are other expenses on the credit card and the amount would be higher.) 3: Issue $3000 in stock to partner company I'm a little shakier on this, I haven't worked with the stock side of accounting. But here's my best stab: Well, did you get anything in return? Like did they pay you for the stock? I wouldn't think you would just give someone stock as a present. If they paid you cash for the stock: Debit (increase) Asset ""cash"". Credit (decrease) Capital ""shareholder equity"". Anyone else want to chime in on that one, I'm a little shaky there. Here, let me give you the general rules. My boss years ago described it to me this way: You only need to know three things to understand double-entry accounting: 1: There are five types of accounts: Assets: anything you have that has value, like cash, buildings, equipment, and merchandise. Includes things you may not actually have in your hands but that are rightly yours, like money people owe you but haven't yet paid. Liabilities: Anything you owe to someone else. Debts, merchandise paid for but not yet delivered, and taxes due. Capital (some call it ""capital"", others call it ""equity""): The difference between Assets and Liabilities. The owners investment in the company, retained earnings, etc. Income: Money coming in, the biggest being sales. Expenses: Money going out, like salaries to employees, cost of purchasing merchandise for resale, rent, electric bill, taxes, etc. Okay, that's a big ""one thing"". 2: Every transaction must update two or more accounts. Each update is either a ""debit"" or a ""credit"". The total of the debits must equal the total of the credits. 3: A dollar bill in your pocket is a debit. With a little thought (okay, sometimes a lot of thought) you can figure out everything else from there."


That's laughable though. Point guards in the NCAA work their asses of as well. How many of them make it? Working ass is always memories to play a much larger role than it does. And we're talking sports. Something probably far more meritocratic than the rest of us plebs are doing.


>**Most have three wheels and do not tilt. An exception is in Cambodia, where two different types of vehicles are called tuk-tuks, one of which (also known as a remorque) has four wheels and is composed of a motorcycle (which leans) and trailer (which does not)**  Today i learned!


> pay a premium to the enthusiastically complicit exchanges for the privilege of scalping those that do not.  I'm assuming you're talking about colocation. Can you tell me how colos enable them to scalp participants without a colo? Give me a breakdown.


Edited because my first response was incoherent. The US and Western Europe have always had solid food and water supplies that helped them grow. The same can't be said for countries like Zimbabwe and other mineral rich countries. Diamonds and lithium and other similar commodities are only as valuable as they are because we have had the luck to grow our economy and technology to the point where we have the time/money to look into spending like that.   I find it hard to believe that we would be making smartphones if we didn't have the basic resources first.


I don't know how much you travel but I travel to Europe, SE Asia and the Middle East frequently...  Security is a breeze compared to the US TSA thugs.  Even Israel is easier to do an airport transit than any US hub...


Like the old Perrier-San Pelegrino case study?  Market Basket offers a much much better experience then the local Shaws, A&Ps, Stop and Shops and other crap.  I think product differentiation should help them out to gain back customers.  Also, people want to be part of the story, which in this case involves a triumphant return of the CEO.


The reason that you are advised to take more risk while you are young is because the risk is often correlated to a short investment horizon. Young people have 40-50 years to let their savings grow if they get started early enough.  If you need the money in 5-15 years (near the end of your earning years), there is much more risk of a dip that will not correct itself before you need the money than if you don't need the money for 25-40 years (someone whose career is on the rise). The main focus for the young should be growth. Hedging your investments with gold might be a good strategy for someone who is worried about the volatility of other investments, but I would imagine that gold will only reduce your returns compared to small-cap stocks, for example. If you are looking for more risk, you can leverage some of your money and buy call options to increase the gains with upward market moves.


"One easy way to monitor costs in QuickBooks is to establish sub-bank accounts.   For example, you may have an asset account called ""State Bank"" numbered 11100 (asset, cash and cash equivalents, bank). Convert this to a parent account for a middle school by making subaccounts such as At budget formation, transfer $800 from Operations 11110 to Family Fun Committee 11130.  Then write all checks for Family Fun from the Family Fun 11130 subaccount.   For fundraising, transfer $0 at budget formation to the X Grade accounts.  Do deposit all grade-level receipts into the appropriate grade-level subaccounts and write all checks for the grades from the grade-level subaccounts.   The downside to the above is that reconciling the check book each month is slightly more complicated because you will be reconciling one monthly paper bank statement to multiple virtual subaccounts. Also, you must remember to never write a check from the parent ""State Bank"" 11100, and instead write the checks from the appropriate subaccounts."


That's exactly what happened to me except on Fiverr. I had months of activity and hundreds of 5-star reviews. I had real clients. Repeat buyers. Real business relationships.   Then one day they deleted both of my accounts (I had one for buying and one for selling). Apparently, buried somewhere in their terms of service, users aren't allowed to have more than one account. I didn't even try to hide it- my usernames were nerdi and nerdi2. They even made me wait months and submit I.D. just to be able to log in and withdrawal my earnings.  So much for that.


Society sets the values by which we judge actions. In the US, the choice has been to have business first class citizens, and humans second class. In the US you believe greed is good (and Christian for some bizarre reason) and you distrust your government.   In Europe we expect our government to protect us from sociopathic corporations, which are seen as a useful, but problematic, tool. Humans come before businesses. etc.   In the US you assign different values than we do in Europe. We optimize for a different goal function.


You can get an investment manager through firms like Fidelity or E*Trade to manage your account. It won't be someone dedicated exclusively to you, but you're in the range where they'd take you as a managed account customer. Another option would be to get a financial planner (CFP or something) help you to identify your needs and figure out what your investments portfolio should look like. This is not a whole lot of money, but is definitely enough to have an early retirement if managed and invested properly.


In this day and age, online shopping has become a huge business, with more and more customers across the globe turning to the online sites to buy different types of products, equipment etc.  This is particularly the case in those places where e-commerce is taking hold over the means people shop.


"Both, really. Thanks for the insight.  What would someone have to do to ""show you"" that their an expert? Also, what level would you consider an expert? I can manuver a spreadsheet using only the keyboard and have used excel quite a bit, but have limited use with things like VLOOKUP/Pivot tables/VBA."


They still have to power the heat/AC, radio, any proximity sensors/self driving sensors etc. Plus the way many people drive it will start every 10 seconds to go 8 ft then stop again. I'm sure a fleet of self driving cards would smoothen that out, but people suck at driving.


These two categories ensure you will carry the card in your wallet (since they only work for physical locations), but don't tend to have excessive spending (most people maxing out at $200 or so per month, so $2 for the bonus).  You then use the same card for other purchases, because you have it on you, where you only get the 1%. It worked for me, I started carrying the Amazon card when I found out it had a higher percentage for gas purchases.  I only use it for gas though.


used cars in nj  ---1800 Auto Land located on Rt. 22 in New Jersey, is one of NJ's premier Toyota car dealerships. You'll discover plenty of vehicles to choose from, so no matter the type of vehicle you're looking for we have something to fit your needs.


"Before we all argue about his pricing, blah blah - let me explain to you how he absolutely fleeced consumers under the guise of helping them.  JCPenney had a handful of sales strategies:  * 40% off  * 50% off  * Buy one, get one for $0.01  * Buy one, get one for $0.99  * 60% off  * Green tag clearance (where things were up to 90% off discounted prices; items as low as $0.97)  What he did was basically eliminate all of the different kind of sales and just discount a straight 40%.  Meaning that before, when you were ""screwed"", the worst you would do is their ""everyday low pricing"" today. If you went in and bought at their worst 40% sale, you got exactly what he offers you right now. If you were lucky and went in at a better time, you actually saved more, generally around 50% with BOGO-type of stuff.  Not only that, he killed coupons. This is where you could really rake. You would:  * Save money with your JCP card  * $10 off orders of $25  * $10 off orders of $30  * $10 off orders of $50 / $15 off $75 / $25 off $100  Again, these all varied, but you could stack coupons on top of savings.  Shoppers (like me) stopped going there because the savings ceased to exist. We're not stupid, but he played us like we were and he counted on people's outrage of sales to dupe them. As you can see by the scheme I've shown, you not only saved more before, but way more. And the argument that it's better now is patently false because their prices are identical to their worst sale without any coupons.  Why do you think the red stickers go over the price? Because they want to hide it. The same items at Kohls have the sticker from Union Bay or whoever on it. It's all the same MSRP. It's just that he tried to fool the shoppers he didn't have with false outrage, but alienated the rest of the shoppers who look at their receipt."


Everything would depend on whether the calculation is being done using the company's all-time high intraday trading price or all-time high closing price. Further, I've seen calculations using non-public pricing data, such as bid-offer numbers from market makers, although this wouldn't be kosher. The likelihood is that you're seeing numbers that were calculated using different points in time. For the record, I think Apple has overtaken Microsoft's all-time highest market cap with a figure somewhere north of $700 billion (nominal).  Here's an interesting article link on the subject of highest-ever valuations: comparison of highest market caps ever


Switch to a different product. For $500, you'd be surprised what you could buy wholesale.   Potential options:  -Find something appropriate to wholesale to your peers on Alibaba  -Start a T-shirt company with graphics relevant to your school, area, or pop-culture microcosm. Edgy inside references with clean graphics being ideal. Shopify is $25 a month + Print on demand t-shirt company (about $7 profit per shirt) + Fiverr for inexpensive graphics --> you could launch a local T-shirt brand for less than $100.


>you seem to have some vague sense of unfairness or scalping in the system but no rigorous idea of how it could be happening  Now you're just being purposefully obtuse. Katsayuma laid out the mechanisms quite clearly. Front-running is not that hard to understand.


**[Online advertising](http://www.makeyouradvertisement.com/)** is all around us. Sometimes it's specific, and sometimes it's in your experience. Sometimes it's valuable, and sometimes it's aggravating. As the web regularly become a free assistance, provided only by causes, so too does the designed side-effect of Online advertising. The purpose of this post is to discover the art of Online advertising by looking at people thought with respect to both the group and causes.


You need to contact the trading company and ask them what's going on. If it's simply a matter of needing to add more cash because you are now classified as a day trader, then call them, ask them what you need to do to not be considered a day trader, and do that. It would likely consist of not trading for a week and then trading less than you were going forward to avoid getting classified as a day trader again.  That would be the easy problem to solve, so I hope that's right.


"Spain is one of the most socialists states in Europe. I know because I live here. You are totally correct that the former owners broke it, what you are not right about is that they were private. Caja Madrid was a special partnership between the local governments and some private parties. All the ""cajas"" in Spain were set up that way and all had government representatives in their boards.  EDIT: I just checked and turns out Caja Madrid, which represents 50% of Bankia, was 100% owned by the Madrid local government. The rest of the 50% of Bankia was formed with other ""cajas"" which were partly or completely owned by their local governments as well.  Also is worth noting that the spanish private banks are also in trouble and have survived only because of the liquidity provided by the ECB, but they are not even close to the level of bankruption that the ""cajas"" have achieved."


Metropolitan Shredding is a proud Australian owned and operated shredding company providing secure document destruction, security bins and paper shredding services. We have years of hands on experience in the industry, visit us now if you are looking for secure document destruction in Melbourne


"I was in a similar situation about a year ago, and the expedient thing to do would be to remove your grandfather from the Title.  He would probably have to agree with this, but I think he will if you approach it correctly. In my case, I was the cosigner for my son's car loan and was told by the dealer that I ""had to be on the title"".  This is not true as far as Virginia is concerned (Illinois may be different).  I know this because when my son dropped his auto insurance I got the fine for having an uninsured vehicle and was told during the hearing that the dealer was mistaken. It all worked out in the end, but all we had to do was go down to the DMV and get my name taken off of the title. I'm sure if you approach it this way - you do not want him to be responsible for things that you do (who would get sued if you caused an accident?) he would agree to have his name removed from the title."


For the same reason that you take out low interest loans on big purchases like a car even if you have cash. Plus, tax advantages as another comment said. Netflix is also a growth stock and is using that debt to create real value.


If the contributions were yours, they are vested immediately. Otherwise, there are some rules laid out on the Department of Labor website: ww.dol.gov/ebsa/publications/wyskapr.htm


I'll probably be downvoted to hell for saying this, but why is it considered so normal that so many people are overdrafting their account all the time?  Whether you're poor or rich, there are a plethora of free tools out there to help you manage and keep track of money.  Wells Fargo is doing shady shit here, but if you spend 14 seconds watching your money every day (so you know what your buffer is), they would never be able to do this.  Pay fucking attention to your money and you'll lose a lot less of it (in all areas of life).


Seems like the doctor's office is not very organized. Ask for a line itemized bill. You want the date and the specific service(s) performed on those dates. If the bill seems fair and correct, try to negotiate cash discount payment. Ask how much they would settle for if you paid cash. If it is higher than you were thinking, say you were not expecting this sudden bill and if they would accept $xxx. If they say yes, great. If not, try to compromise, pay the suggested offer, or not pay and hope they don't send it to collections.


My local credit Union has insured IRA accounts or IRA certificates that get the same low interest rates that non-IRA accounts receive. They get NCUA insurance, which is the equivalence of FDIC insurance.


**Here's a sneak peek of /r/churning using the [top posts](https://np.reddit.com/r/churning/top/?sort=top&t=year) of the year!**  \#1: [The Economics of Churning: who pays for the rewards?](https://np.reddit.com/r/churning/comments/5oucdq/the_economics_of_churning_who_pays_for_the_rewards/)   \#2: [New all time high sign up bonus !!](https://i.redd.it/aeb0f742mpvy.jpg) | [145 comments](https://np.reddit.com/r/churning/comments/69frvw/new_all_time_high_sign_up_bonus/)   \#3: [Citi Costco Historical High Offer](https://i.redd.it/scowraajipey.png) | [166 comments](https://np.reddit.com/r/churning/comments/5svvxm/citi_costco_historical_high_offer/)  ---- ^^I'm ^^a ^^bot, ^^beep ^^boop ^^| ^^Downvote ^^to ^^remove ^^| [^^Contact ^^me](https://www.reddit.com/message/compose/?to=sneakpeekbot) ^^| [^^Info](https://np.reddit.com/r/sneakpeekbot/) ^^| [^^Opt-out](https://np.reddit.com/r/sneakpeekbot/comments/6l7i0m/blacklist/)


Stay away from college debt. You can't default on it. Your wages will be garnished if you're unable to pay it back. Even when your and old man, they will garnish your social security money. In effect college debt makes you an indentured servant. Maybe even worse than the 7 years of servitude people served in early America. Lots of grads are working in restaurants and retail stores.... even some computer science grads. There is great risk in the college investment compared to 40 years ago when it was a sure thing. Do not take debt for college. If that means you can't go to college then so be it.  You're future self will than you.


First of all, that link is nonsense. I recommend you read the actual GAO audit report, which has 16T in *revolving loans* with only (if I recall) about 1.8T in actual loans at any one time. Secondly, every time I check the details of a claim from Bernie Sanders he has stretched the truth far beyond reasonable, mostly to keep his name in the news I expect.  Now, there was nothing that secret about *anything* in that report that was not reported in GAO reports from earlier. This audit was done for political purposes mostly, and the Fed has audits done regularly, as I stated earlier. This too can be checked, and I recommened you do so rather than believe me or that story.  That incident, as you call it, is already exceeding rare. You have to weigh the pros/cons of that incident (which as I pointed out is not really an incident) with the problems that arise when you make more transparent and governmental control of the Fed. If the Fed has a role in stabilizing the economy (which is it's mandate) and if many of the tools do not work as well with more transparency and if there is evidence across many countries that doing such things to the Fed will likely result in certain problems, then one should make that call. However, to want those changes made while being ignorant of the issues is a terrible idea, and it is the least informed that usually yell the loudest for such changes. This would not be a problem except then certain politicians realize they can get votes by pandering to the ignorant masses, which really leads to tanked economies.  Find how many economies have been tanked by an independent central banks versus how many have been tanked by political forces meddling with their respective economies.  Finally, I highly recommend anytime you read a story that sounds outrageous, track down the source material and read it yourself. If you cannot find source material, or they do not  list it, then distrust them.  You'll find 99/100 times the outrageousness is created by selectively pulling information from the actual reports. Then track down report sources, wherever possible. Etc.  Seriously, read the actual report.


I've had similar thoughts about Orrin Hatch. There's lots of talk that this is his last term. I think that has affected his decision making process. He's more willing to be an actual representative is what it seems like


No economic model uses a 1 term game. They are pretty much either games until infinity or close enough, with only the final game having incentives for acting selfish.   The classic non cooperative behaviour is prisioners dilema and everybody is worse off because they tried to be selfish. The problem is fixed by cooperation.


"You probably know that the answer is, ""it depends"".  If this is truly a pin money type of operation, then perhaps sole trader is for you. I incline to using a limited company for two reasons, one optimistic and one pessimistic.  You are looking at a business to make some money with your talents.  If your business takes off, it's much easier to expand a LTD than a sole trader. Getting credit, dealing with suppliers, hiring people, all much easier.  And if things go well, you will be expanding.   The negative reason is that as a sole trader  (you) have unlimited liability for the debts of your enterprise. If you get sued, say your skincare line makes someone's face into a rash, you are on the hook for the whole amount. You don't want to torpedo your family if it goes bad. Being a limited company protects you from that. I can tell you that the overhead of running a small LTD is pretty light so long as you are meticulous about your record keeping. I had an LTD with two toddlers under my feet and it was perfectly doable to handle the paperwork."


This may not help with the overall grocery issue, but I find that there are items that I can do without the name brand version of.  A handy rule-of-thumb is to start with the least-expensive brand and work your way up, until you find one that your family likes.  For instance, I've learned I can do without French's mustard in favour of no-name, but there's no way I can live without Kraft peanut butter.


Great, thank you very much! I guess I will just do my 7/66 first and then worry about the others (CFP or CFA) later if I really want to get them. I just wanted to make sure I wasn’t doing something I didn’t *really* need to do.


Looking at the numbers quickly,  if he makes this amount for the entire year, single, no kids, no investment income, standard deduction only, his taxable income will be about $110,000.*  That puts him in the 28% tax bracket.  His federal tax would be:  $18,481.25 plus 28% of the amount over $90,750 Which comes out to about $23,800 in tax liability.  His federal withholding is $26,047 for the year, so with absolutely no deductions whatsoever, he will be getting a tax refund of about $2200. I'm not very familiar with the California tax return, but it is entirely possible that he would get a decent sized refund from the state as well.  This means that his tax refund could be about the size of an extra paycheck.  He may want to consider increasing his allowances, which would make his paychecks bigger and his tax refund smaller. That having been said, taxes are high, no doubt about it.  Remember that when you are in the voting booth.  :) * Here is how I got the taxable income number for the year:


I know in the instance that if my MAGI exceeds a certain point, I can   not contribute the maximum to the Roth IRA; a traditional IRA and   subsequent backdoor is the way to go. My understanding is that if you ever want to do a backdoor Roth, you don't want deductible funds in a Traditional account, because you can't choose to convert only the taxable funds. From the bogleheads wiki: If you have any other (non-Roth) IRAs, the taxable portion of any   conversion you make is prorated over all your IRAs; you cannot convert   just the non-deductible amount. In order to benefit from the   backdoor, you must either convert your other IRAs as well (which may   not be a good idea, as you are usually in a high tax bracket if you   need to use the backdoor), or else transfer your deductible IRA   contributions to an employer plan such as a 401(k) (which may cost you   if the 401(k) has poor investment options).


Those ‘crises’ are only an issue if you need your savings during the time of crisis. If you have time to sit it out, you should just do that, and come out of the crisis with a gain. People that lose money during a crisis lose it because they sell their investments during the crisis, either because they had to or because they thought they should. If you look at historic values of investments, the market overall always recovers and goes over the orignal value some time after the crisis. Investing even more right in the crisisis the best way to make a lot of money.


I'd argue that zoning laws are not even I'm the same boat as taxi companies.  Also, again, good on Uber. If the market is broken, and normal citizens can't do shit about it, I'm glad that something or someone could.  Look. There is no reason that a taxi medallion in NYC was considered a good  investment, in a competitive market it wouldn't have been. There is no good reason that the number of cabs on the streets of NYC were the same two years ago as they were in the 60s, despite rampant pupulation and tourism growth.


Just so you know, the SEC doesn't have criminal authority, they do civil fines.  It's the Department of Justice that sends white collar criminals to jail.  If you'd like to see what they've been up to, [here's a little info from the FBI](http://www.fbi.gov/stats-services/publications/financial-crimes-report-2010-2011)  Also, I could be wrong but I think the government mass settled the claims coming from the financial collapse.     *edit: you don't get to keep the money you made from your illegal activity.  That would just be stupid.  The fines are on top of giving the money back*  *edit 2: remember [these girls?](http://www.youtube.com/watch?v=ihLBCbNIDbI&feature=share).  They didn't get to keep the money they stole.  It's no different in white collar crime.*


If only SOMEONE would make a decent android with a blackberry-style keyboard, RIM could die a more honorable and fast death.  I'm still using an old BB and the only reason I'm holding off on buying the Blackberry Bold 9930 (the one with the half-height touchscreen) is because I'm afraid the company is about to go out of business.  The Blackberry Bold 9930 is what they should have released years ago instead of their parade of dumbassery that was the Storm, the Torch, the Playbook, and now a new BBOS 10 phone WITH NO FUCKING KEYBOARD!!!  Are they insane!?


Are ready to choose the best digital marketing company in 2017, here are some steps and guidance. Which gives you steps by step tips for choosing a suitable company for your website in the Dubai. *Check Company website ranking *SEO packages *Local SEO services *Check company background and years of experience and much more things you can ask to them. You can also hire experts Search engine optimization in dubai like seo-daddy which is Dubai, UAE based company, which has affordable SEO packages also and have an SEO consultant for your website audit. For further more details, you can visit to our website.


I wish it were easy to do in person.  My targets are produce buyers at mostly large supermarket chains. They're not anywhere near me. Gatekeepers are rarely the problem. Getting their attention for a few minutes is.


> The biggest value driver we identified were staff costs. If Amazon implements their Amazon Go technology in Whole Foods' stores(which I assume is their current plan) they would be able to cut a large chunk of staff costs reducing COGS significantly.  Oh good.


"Give me your money. I will invest it as I see fit. A year later I will return the capital to you, plus half of any profits or losses. This means that if your capital under my management ends up turning a profit, I will keep half of those profits, but if I lose you money, I will cover half those losses. Think about incentives. If you wanted an investment where your losses were only half as bad, but your gains were only half as good, then you could just invest half your assets in a risk-free investment. So if you want this hypothetical instrument because you want a different risk profile, you don't actually need anything new to get it. And what does the fund manager get out of this arrangement? She doesn't get anything you don't: she just gets half your gains, most of which she needs to set aside to be able to pay half your losses. The discrepancy between the gains and losses she gets to keep, which is exactly equal to your gain or loss. She could just invest her own money to get the same thing. But wait -- the fund manager didn't need to provide any capital. She got to play with your money (for free!) and keep half the profits. Not a bad deal, for her, perhaps... Here's the problem: No one cares about your thousands of dollars. The costs of dealing with you: accounting for your share, talking to you on the phone, legal expenses when you get angry, the paperwork when you need to make a withdrawal for some dental work, mailing statements and so on will exceed the returns that could be earned with your thousands of dollars. And then the SEC would probably get involved with all kinds of regulations so you, with your humble means and limited experience, isn't constantly getting screwed over by the big fund. Complying with the SEC is going to cost the fund manager something. The fund manager would have to charge a small ""administrative fee"" to make it worthwhile.  And that's called a mutual fund. But if you have millions of free capital willing to give out, people take notice. Is there an instrument where a bunch of people give a manager capital for free, and then the investors and the manager share in the gains and losses? Yes, hedge funds! And this is why only the rich and powerful can participate in them: only they have enough capital to make this arrangement beneficial for the fund manager."


Agreed, early in the article one of the owners compares themselves to their german competitors that eat $200+k of their lunch regularly because they lack staff to keep up with demand.   Germany does not traditionally drug test every position up and down the chain. They generally only do it if you are responsible for narcotics (pharma), running heavy equipment or handling something that would kill people if you screwed up. If you are a cashier, desk worker or laborer you do not get tested as it is considered an invasion of privacy.


>Nail holes.  If they were the small picture hanging nail holes and there were only a couple of them then it would be normal wear and tear.  If they used  regular nails to hand them then no, that's a misuse.  If there were a lot of nail holes (think a collage of 15 pictures all together on one wall) then it is not normal wear and tear.  >The stains were small discolorations, not big purple splotches of wine.  Stains are never considered normal wear and tear.  Stains are excessive.  >The carpet was old when they got there also  Was it in good shape or poor shape?  If it was fraying and had worn paths in it when they arrived then I would make an argument stating that the carpet was is disrepair to begin with.


Samuel Strauch received a B.A. from Hofstra University and received degrees from Erasmus University in Rotterdam and Harvard University. His first interest was to pursue a career in banking but joined his family’s real estate business. After working as a banker, he decided to join his family’s South Florida real estate business.


Bullshit, I'm guessing you don't know many CEOs and what they provide for a company, do you?   Also, your idea about private management is meaningless. The shareholders manage the company. End of story. They are also the owners.


Perhaps there is no single formula that accounts for all the time intervals, but there is a method to get formulas for each compound interest period. You deposit money monthly but there is interest applied weekly. Let's assume the month has 4 weeks.  So you added x in the end of the first month, when the new month starts, you have x money in your account. After one week, you have x + bx money. After the second week, you have x + b(x + bx) and so on. Always taking the previous ammount of money and multiplying it by the interest (b) you have. This gives you for the end of the second month:  This looks complicated, but it's easy for computers. Call it f(0), that is: It is a function that gives you the ammount of money you would obtain by the end of the second month. Do you see that the future money inputs are given with relation to the previous ones? Then we can do the following, for n>1 (notice the x is the end of the formula, it's the deposit of money in the end of the month, I'm assuming it'll pass through the compound interest only in the first week of the next month):  And then write:  There is something in mathematics called recurrence relation in which we can use these two formulas to produce a simplified one for arbitrary b and n. Doing it by hand would be a bit complicated, but fortunately CASes are able to do it easily. I used Wolfram Mathematica commands: And it gave me the following formula:  All the work you actually have to do is to figure out what will be f(0) and then write the f(n) for n>0 in terms of f(n-1). Notice that I used the command FullSimplify in my code, Mathematica comes with algorithms for simplyfing formulas so if it didn't find something simpler, you probably won't find it by yourself! If the code looks ugly, it's because of Mathematica clipboard formatting, in the software, it looks like this:  Notice that I wrote the entire formula for f(0), but as it's also a recurrence relation, it can be written as:  That is: f(0)=g(4). This should give you much simpler formulas to apply in this method.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-09-27/climate-shocks-may-cost-u-s-1-billion-a-day-as-planet-heats-up) reduced by 75%. (I'm a bot) ***** > Stronger hurricanes, hotter heat waves, more frequent wildfires and more severe public-health issues are all adding to the costs of climate change, which will reach almost $1 billion a day in the U.S. within a decade, according to a report released Wednesday.  > Total costs to address the impact of rising temperatures will swell 50 percent by 2027, to $360 billion annually, according to the study from the Universal Ecological Fund.  > If global warming goes unchecked, corn and soybean production may fall as much as 30 percent in the next three decades, costing farmers as much as $25 billion annually, according to the study.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/73888a/climate_shocks_may_cost_us_1_billion_a_day_by_2027/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~218914 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **economic**^#1 **study**^#2 **billion**^#3 **U.S.**^#4 **change**^#5"


Creating cabinets, shelves as well as other kinds of furniture through wood working skills is called cabinetry.Cabinets can be of face frame construction or as frameless construction (which is popularly called as euro style or European style).Usually, the cabinets have one or more than one compartments.


I don't know what you're talking about. If anything bankruptcy has become more creditor friendly over the years, which is only logical because business debtors don't really lobby for friendlier bankruptcy rules when they're not planning on being bankrupt. The only difference is that debt is more readily available and a bigger part of doing business today, so you'll naturally see more reorganizations.


I am a junior analyst at a fund of funds. I spend most of my time working on streamlining our process by helping one of the senior analysts create new models to replace our spreadsheets. I work during the summer since I am a student. The rest of my time in the office I simply research managers that we are looking into for the PM's and senior analysts. You definitely want good excel skills as an analyst. Coding is also a good skill to have depending on what sort of role you play.


Now, keep in mind I'm biased because I'm an engineer at this company, but FutureAdvisor.com provides advice on your savings and investments.  We currently help users optimize their portfolios for retirement savings, but plan on rolling our more savings goals in the future.


Do you agree that few incorrect words or actions from Trump, and the whole economy can get sour?  Do you agree that few correct words and actions from Trump, in his 6 month of presidency, and the business and people build confidence and hire more?  Why do you think the stock market reach new height so much under Trump?


"Aside from employer 401(k) matches (which may double your money immediately), paying off debts is almost always the best place to start. Paying off a debt early is a zero-risk operation and will earn you N% (where N is your interest rate). Is that a good deal for a zero-risk return? The closest equivalent today (Aug 24, 2012) is that you can earn about 2.68% on 10-year Treasury bonds. Unless you have a really, really good interest rate (or the interest is tax-deductible), paying off your loan will offer an excellent risk-adjusted return, so you should do that. The ""really good"" interest rate is typically a mortgage or student loans. (Mortgage interest is also tax-deductible, at least for now.) In those cases, you're not going to gain nearly as much by paying the loan early, and the loan is large - larger than the amount you want to have in risk-free investments. You want to invest for returns, as well! So you can save for retirement instead (in a 401(k) or similar account) and take on a little risk."


The buyer discloses the financing arrangements to the seller because it makes his offer more attractive. When a seller receives and accepts an offer, the deal does not usually close until 30 to 60 days later.  If the buyer cannot come up with the money by closing, the deal falls apart.  This is a risk for the seller. When a seller is considering whether or not to accept an offer, it is helpful to know the likelihood that the buyer can actually obtain the amount of cash in the offer by the closing date.  If the buyer can't acquire the funding, the offer isn't worth the paper it is printed on. The amount of the down payment vs. the amount of financing is also relevant to the seller.  Let me give you a real-world example that happened to me once when I was selling a house.  The buyer was doing a no-money-down mortgage and had no money for a down payment.  He was even borrowing the closing costs.  We accepted the offer, but when the bank did the appraisal, it was short of the purchase price.  For most home sales, this would not be a problem, as long as the appraisal was more than the amount borrowed.  But in this case, because the amount borrowed was more than the appraisal, the bank had a problem.  The deal was at risk, and in order to continue either the buyer had to find some money somewhere (which he couldn't), or we had to lower the price to save the deal.  Certainly, accepting the offer from a buyer with no cash to bring to the table was a risk. (In our case, we got lucky. We found some errors that were made in the appraisal, and got it redone.)


There are multiple reasons why this may have happened: 1.) I couldn't tell in your question whether or not you had already paid off the loan before requesting the rollover. But if the loan was defaulted - then the $9k left in your account is not distributable, but is there to pay back the remaining balance on your loan. The $9k will be treated as income, and will be taxed - you will receive  a 1099-R detailing the taxes you'll owe. I don't know why this wasn't done when they did your rollover distribution. Typically it all happens at the same time - but it can vary depending on the administrator. 2.) Do you get some type of safe harbor discretionary match, or profit sharing contribution? If so - perhaps this contribution was made after your account was liquidated. So now there is residual money in your account and it is treated as a new distribution, which incurs a new $60 distribution fee. 3.) Stock - if some of your investments were in stock - these take a few extra days to liquidate. Typically a TPA/Recordkeeper would wait until ALL of the funds are liquidated before issuing the rollover. But some companies may be shady and do it separately - incurring an additional $60 distribution fee. If this was the case - I would go to your former employer's HR and tell them whats happening and to start looking for a new 401(k) administrator! I hope this helps :-) Good luck!


Sign Up to Just Been Paid for FREE INFORMATION to get started to make money daily with JSS Tripler.    You can get no obligation free information to evaluate JSS Tripler further and find out why, many others like YOU who has been searching to make money online has found out how to make passive daily income with no sponsoring required in JSS Tripler.  You can sign up free and seconds away from receiving information to help you get started and making money!  I want to personaly thank you for taking the time to read my bonus offer. You'll see in a moment that it is truly the Best Bonus Ever offered for the Just Been Paid Reviews Program. And I do mean ever.  Let's get one thing clear from the begining. There's only one reason I'm promoting  Just Been Paid Reviews Program : It Really Is That Good!        And if you can't see the true power of this program than you're better off without it. Seriously.     Just Been Paid Reviews Program has  everything you need to start earning money online from the first week of aplying the techniques taught inside.     That's why I want to be clear on this: Just Been Paid Reviews Program  is by far the best package I've seen so far this entire year.      And such a great product simply deserves a great bonus package. Period. And here's where I step in.     But before I present to you my truly amazing bonus package for the Just Been Paid Reviews Program  course I want to ask you something.    And by God this is serious. Where do you consider yourself to be in this very moment?      I mean... are you really happy with your current state of your financial situation? Seriously. This is not a trick question and you don't have to be ashamed to answer. There's no one here beside you and me. And you're the only one that can answer that question. Because you see...you're the only one that can change something in your life for the better.


"Since the deduction balances out the future tax (presumably), I am   only paying tax on the gains, however over 20 years, those gains could   be greater than the original $4000 itself. (Doubling would only take   3.6% annual return over 20 years ) If I put it into a Roth IRA, I don't get a tax deduction, but I get to   withdraw the original $4000 and all the gains, tax free in about 20   years. It seems the Roth IRA is a better deal tax wise, but I would like to   hear if I am missing something. You are missing the time value of money. $4000 now does not have the same value to you as $4000 years in the future. In fact, the $4000 now has the same value as the money it grows into (principal + earnings) in the future. So a certain percentage of tax on the $4000 now has the same effect to you as the same percentage of tax on the $4000 + earnings in the future, no matter how much ""earnings"" is. It's simple math. If you start with the same amount of pre-tax money, and have the same flat percentage tax rate, then both Traditional and Roth will leave you with the same amount of money, regardless of how many times the gains are. Try it for yourself."


Not-very-serious companies always try to reduce your pretended salary. This also happens in Argentina. My advice is to look for another opportunity because you have to take into account that if you join the company this will happen again; for example, in the future, they may lowball you on raises.


"http://www.hmrc.gov.uk/customs/tax-and-duty.htm#3 explains the Import VAT situation quite well.  As for who enforces and collects it, if you're talking about buying online and having it shipped to you then you'll notice on the parcel a Customs sticker declaring the contents and value. It is the responsibility of the courier company to collect any duty due from you and pass it on to HMRC.  In practice what this means is that you receive a card or note from the courier saying ""we're impounding your package until you pay the import duty"" and they usually charge a fee on top of the duty itself.  Of course you can always go out there yourself and bring something back, but then it is your responsibility to declare it at the customs checkpoint when you enter the country."


It's amazing that there is this assumption that Government does not contribute to a nation's economy. In the US, so many radical right wingers want to remove government taxation and spending entirely because they honestly believe that it has zero effect on the economy. These were the sort of people who were getting excited during the debt limit debate in the US a few years back.  As for me, I would love to see American politicians decide on principle to cut government spending by 75% (no medicare, no NASA, etc). The resulting economic and social collapse would kill off that ideology for a few generations at least.


"The type of savings account your are referring to is an ""Instant Access"" account which offers little or no interest in savings. To solve your problem I would suggest opening a higher interest Current Account, there are several on the market which offer equivalent rates of interest as an Instant Access account but still allow access via a debit card. Usually there are requirements for a regular salary transfer into the account or a minimum balance to qualify for interest. Banks that are well know for offering high interest Current Accounts include Nationwide, Santander, TSB and most of the build societies."


Depends on the insurance company itself, as well as the costs of treatments. Imagine an ideal scenario where costs of treatments stayed the same, and that all insurance plans were segregated and pulled from the same pool of funds to pay for treatments. Then employer subsidized health insurance plans would be unaffected by the drama in the ACA plans. Those are the factors to consider, from my understanding. But I wouldn't be surprised if the burdens of accepting people that would previously never have been serviced by these companies has greatly distorted the market as a whole.


"https://www.fool.com/investing/general/2013/07/30/2-types-of-risk-2-types-of-bubbles.aspx (mirror): The Wall Street Journal reviews: What Mr. Bernstein calls ""shallow risk"" is a temporary drop in an asset's market price; decades ago, the great investment analyst Benjamin Graham referred to such an interim decline as ""quotational loss."" ""Deep risk,"" on the other hand, is an irretrievable real loss of capital, meaning that after inflation you won't recover for decades -- if ever. So quotational loss = loss not explained by change of actual value of a firm."


You could get a Multi-Currency Cash Passport which has no transaction fees for deposits or withdrawals. (You can pick one up at Australia Post.)  This allows you to load it with money now in US dollars. The exchange rate is locked in at the time you load it to the card. When you're in the USA, just use that card or get the cash out from an ATM so you can deposit it into a US bank. To see the exchange rate they charge, you can scroll to the very bottom of their Fees and Limits page at there's a nice little table you can compare with. Otherwise, they've got a calculator tool.


That kinda sucks. I just figured out that Kmart has cashback coupons for video games that they don't advertise on new releases if you sign up for their rewards card.  I got $30 cashback for Arkham City which I used for Skyrim at 30 bucks back that I used on Ocarina of time that gave me $15 for Marioland 3D which gave me $15 for Mariokart 7 and I am currently sitting on another $15 from that...   They work like store credit only for games.. but hell...   The problem is that they often times don't advertise them so it seems hit or miss, but since I started getting games there at release, I have yet to miss.


"As an exercise, I want to give this a shot.  I'm not involved in a firm that cares about liquidity so all this stuff is outside my purview.  As I understand it, it goes something like this: buy side fund puts an order to the market as a whole (all or most possibly exchanges).  HFTs see that order hit the first exchange but have connectivity to exchanges further down the pipe that is faster than the buy side fund.  They immediately send their own order in, which reaches exchanges and executes before the buy side fund's order can.  They immediately put up an ask, and buy side fund's order hits that ask and is filled (I guess I'm assuming the order was a market order from the beginning).  This is in effect the HFT front running the buy side fund.    Is this accurate?  Even if true, whether I have a genuine issue with this... I'm not sure.  Has anyone on the ""pro-HFT"" side written a solid rebuttal to Lewis and Katsuyama that has solid research behind it?"


> Food to your door is a problem nobody is asking to solve.  Huh?  I'm chomping at the bit waiting for amazon fresh to come to my area... prices are actually pretty competitive and i'd gladly pay $15 a month to avoid the grocery store 4-6 times a month.  Not sure why you think there isn't a demand for it.


As a 22 year old planning for your financial life, it is obvious to say that saving as much as you can to invest for the long run is the smartest thing to do from a financial point of view.  In general, at this point, aged 22, you can take as much risk as you'll ever will. You're investing for the very long term (+30/+40 years). The downside of risk, the level of uncertainty on returns (positive or negative), is most significant on the short term (<5years). While the upside of risk, assuming you can expect higher returns the more risk you take, are most significant on the long term.  In short: for you're financial life, it's smart to save as much as you can and invest these savings with a lot of risk.  So, what is smart to invest in? The most important rule is to keep your investment costs as low as possible. Risk and returns are strongly related, however investment costs lower the returns, while you keep the risk. Be aware of the investment industry marketing fancy investment products. Most of them leave you with higher costs and lower returns. Research strongly suggests that an lowcost etf portfolio is our best choice. Personally, i disregard this new smart beta hype as a marketing effort from the financial industry. They charge more investment costs (that's a certain) and promise better returns because they are geniuses (hmmm...). No thanks. As suggested in other comments, I would go for an low cost (you shouldn't pay more than 0.2% per year) etf portfolio with a global diversification, with at least 90% in stocks. Actually that is what I've been doing for three years now (I'm 27 years old).


I have 1.5 years intern experience as a risk analyst doing programming work. Im a math major with a cs minor who can program fluently. I also understand basic finance terms and macro and micro economics. I applied to like 40 internships and got denied on all of them.   Sitting here wondering how the fuck I get beat out by a cashier.


Have a great lawyer and a fuck ton of money   Not only are financial regulations on online payment processors quite complex, each state and the federal gov have required licenses which cost in total around $5 million upfront and $1-2 million annually.


This right here is the mindset of the Democrat party (and why I will never vote for one until it changes).  It's class warfare.  Somehow people that have less money are worth more than people with money (even if they earned it through hard work).    I guess it pays to be a lazy asshole that leeches off the system.


If you are an UK citizen and resident, then no. If you are an EU resident or non-EU resident then yes, but there are conditions. Source You can sometimes get VAT refunds on goods bought in the UK if you: You can’t get a VAT refund for: As bringing a laptop PCSpecialist is an online sale(I bought my desktop from them), I don't think you can claim VAT.


If you are confused by how to choose a blogging platform, Silvrback can help you find the right one. With so many options to choose from it is natural to be a little confused.  With the right guidelines and criteria you can easily choose the right platform from a plethora of options.


>In the end it will be a mini-NES like console toy, to play the old Atari titles in a raspberry pi form factor.  Nothing but speculation.  I can see them doing an ARM console that plays their old games as well as mobile ones.  But it could also be something that competes with the XBox and PS.


You are wildly over-estimating your taxes.  First, remember that your business expenses reduce your gross income.  Second, remember that taxes are progressive, so your flat 35% only applies if you're already making a high salary that pushed you into the higher brackets of US and CA. I think the deeper problems are: 1) you are expecting a super early start-up (with no finished product) to pay you the same as a steady job, including health insurance, and 2) you are expecting Kickstarter to independently fund the venture. The best source of funding is yourself.  If you believe in this venture and in your game design abilities, then pay for most of the costs out of your own savings.  Cut your expenses to the extent you can. You may want to wander over to startups.SE to get more perspective and ideas on your business plan.