I will never advocate for being high at work. We can both agree on that front, my main point is that it is stupid to care what people do on their off time.   I can respect many of your arguments, but I just want to be clear I think smoking and driving is bad. What I think is acceptable is getting high on your own time in the privacy of your own home. Therefore in my mind it should have 0 impact on insurance of any kind, and employers shouldn't care what you do on your own time.   You're entitled to your opinion, and it is very clear that it differs from mine. I would just hope that in the future you don't use a broad brush and attack everyone that smokes weed


> The problem that I have with testing for pot is that it shows up if you've consumed THC within the past month.  Not the piss test.  > . I prefer pot to alcohol, do it on my own time, and I never ever ever show up high or even fuzzy from the night before.  You're an exception. Many pot smokers do it daily and think it doesn't impair them. you're responsible, they are not.  > No everyone that smokes pot is a loser.  I agree, but most are if they are daily smokers


No, sorry. A change of 401(k) administrator is not an out, otherwise many would flee a bad plan. I'd suggest you only deposit up to the match, but use an IRA if you'd like to save more. A plan with high fees can easily negate the tax benefits and then some.


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We use the PC financial credit card.  We switched to PC banking about 8 years ago and have been extremely happy with them.  You get points for using their banking services and if you use their credit card you earn points.  You can use the points earned for free groceries or purchasing anything at No Frills, Independant and Loblawas Superstores.  With the points we've earned over the years through just our regular banking, we've purchased a 6 piece patio set, patio swing, tons of free groceries and currently have $500 worth of points that we're using to purchase food and gifts for the Christmas season.  You can find out the particulars on their points program throught their webiste at www.pcfinancial.ca


That depends where you put the top bracket, but probably there is little way to jack income tax to anywhere near that without serious detrimental effect to the economy. The real issue is not that the wealthiest earn too much but that they have too much. There is a huge glut of massive savings at the top that is continually growing and taking money from the economy. This savings drives the creation of public debt more than any other factor. It is that which needs to be, at least in the near term, taxed aggressively.


You mentioned depositing the check and then sending a personal check. Be sure to account for time, since any deposit over $10,000 the money will be made available in increments, so it may take 10-14 days to get the full amount in your account before you could send a personal check. I would not recommend this option regardless, but if you do, just a heads up.


I'm so tired of Google's shameless, evil shenanigans. Amazon, Facebook, and yes, even Microsoft try damn hard to create products people want.  What does Google do? Ride their one-horse pony (search), invade people's privacy, and shamelessly copy - and fail - everyone else's good ideas.


First Reddit comment! This may seem like a noob question, but why can't the government just borrow unlimited amount of money, to pay for welfare program instead of raising taxes? I would assume that would be the better thing to do, and just roll the debt forward. Thanks!


What are you using the analysis for? If your analyzing your interest rate risk then you want to determine decay rates for your non-maturity deposits. Assuming your bank uses ALM software to produce your Earnings-at-Risk (EAR) and Economic Value of Equity (EVE) metrics, the decay rate assumptions make a big difference in those numbers. Most ALM models have default assumptions that may not be correct for your institution, and as a result are giving you EAR and EVE numbers that are not at all accurate.   Basically you want to have some analysis that proves how you are bucketing your NMDs (3,6,9, 12, 24 months?). Are your deposits sticky or are they affected by small changes in interest rates? You can look at historical numbers to determine how your deposits behave, but be sure to go back more than 3-4 years as deposit behavior has been pretty abnormal since 2008 with rates near zero. Similarly, you may want to try and identify 'surge' deposits that came into your bank due to the low rate environment and as soon as rates rise they will move into higher earning assets (stocks, bond, money markets).


The Business Process Outsourcing firm benefits the companies by providing the round-the-clock customer support services. Apart from these benefits, the business solutions that will be offered to your customers are best in the industry. This is because the call center representatives hired by the outsourcing firms usually come with years of experience.


People to ask: Granted I live in a small town, but when the same guy's name comes up more than once that's who you should hire...


Sure, they might. But they might just owe their overseas subsidiary so much that they never make money on paper in the US thus pay no tax at all. The funny thing is these tricks that make them not pay taxes here keep happening, if only congress would stop fellating the rich then you might be right.


First of all, it's pretty rare that would cash out your entire Traditional IRA at once when you retire. That would incur major taxes and negate much of the tax deductibility benefit. Instead, you'd want to take distributions of just what you want to live on, which are taxed at income rates, and let the rest continue to grow tax free until you need/want it. As to your main question, if you don't expect to be in a lower tax bracket in retirement, then yes, Roth makes sense. But this is a pretty major assumption. When you're working, your salary pushes you into higher tax brackets. Once you're retired, you don't have as many sources of income. It could be mostly distributions from retirement accounts, and even coming from a Traditional IRA a lot of that will be tax free or taxed at a low rate (e.g. 15%). If when it was earned it would have been taxed at a higher marginal rate (e.g. 25%), then the Traditional IRA was a better choice than the Roth. Traditional versus Roth, if both are options to you (with deductibility for the Traditional), all comes down to tax rate now versus what you expect your tax rate to be in retirement. There is no universal answer.


"Your premise is false.  When you withdraw money from a Tax Free Savings Account (TFSA), there is no tax due.  Yes, you can read that again:  withdrawals from a TFSA are tax free.  They are labeled ""tax free"" for a good reason!  After-tax money is deposited, and then from that point forward, no tax, no tax, no tax.  :-) On a ""normal"", non-registered investment or savings account with no special treatment, your investment earnings will be taxed whenever gains are realized or income received (e.g. dividends or interest).  You will necessarily have less in a normal non-registered investment or savings account compared to a TFSA, as long as the rate of return was positive, i.e. growing. Perhaps you were thinking not of comparing a regular investment account to a TFSA, but rather to a Registered Retirement Savings Plan (RRSP)? In the case of an RRSP, there is an up-front tax deduction, then earnings grow tax-deferred, and then on withdrawal, income tax is paid at regular rates.  Even then, with RRSPs, if your marginal tax rate remains the same over time (not necessarily a reasonable assumption, but let's go with it) then you should still realize more after-tax income from your RRSP than from a normal non-registered investment or savings account.  (Though, there's likely an exception case when most income came as qualified dividends and the capital itself hasn't appreciated.)"


"Considering that I can't find anything on Chase's web site referencing a ""Money Market IRA"" I suspect that this is a type of account that they aren't actively supporting anymore, but aren't forcing you to cash it in.  I would call Chase to find out for sure, however. That said, a money market is not a good investment if you are looking for any kind of growth.  They are basically a savings account that pay (currently) a small amount of interest.  You can get much better return from other low-risk investments.  You can rebalance periodically if you want to keep a certain amount of ""cash"" available."


They have fought renewable clean energy since the 1970s. I'm 52.  I remember it. The very first thing Reagan did was take he solar panels off the White House that Jimmy Carter installed. We lost 20 years of development under Reagan and both Bushes.


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Khắc dấu liền mực -Babylonlaw - 19006681 Dịch vụ Khắc dấu Babylon nhận Khắc dấu liền mực với giá thành rẻ nhất. Dịch vụ Khắc dấu Babylon đảm bảo Khắc dấu liền mực nhanh chóng, rõ nét, đúng kiểu dáng và mẫu mã theo yêu cầu của khách hàng. Khách hàng có thể đặt Khắc dấu liền mực tại Babylon bất cứ khi nào khách hàng cần, chúng tôi sẵn sàng phục vụ 24/24h tất cả các ngày trong tuần.  Với đội ngũ nhân viên năng động, nhiệt tình, có kỹ thuật cao và giàu kinh nghiệm, dịch vụ Khắc dấu Babylon đảm bảo đem đến cho khách hàng những sản phẩm có chất lượng, giải pháp tối ưu và dịch vụ hoàn hảo nhất. Được đầu tư hệ thống máy móc, trang thiết bị hiện đại (Khắc dấu bằng phương pháp công nghiệp, sử dụng kỹ thật Laser) Khắc dấu Babylon nhận Khắc dấu liền mực chìm hoặc dấu nổi với công nghệ hiện đại nhất. Ngoài ra chúng tôi còn cung cấp các loại dấu của các hãng dấu nổi tiếng như: Shiny, Trodat, Colop,...Hiện chúng tôi nhận làm các mẫu dấu như: - Dấu hộp lật tự động (Mặt dấu khắc bằng tia laser, sắc nét, độ bền cao) - Dấu cán (Chấm mực tampon). - Dấu kiểm dịch, dấu bấm chì, dấu lăn gạch, dấu đóng gốm. - Dấu đóng date, đóng số (tự động, điều chỉnh bằng tay). - Dấu thực hiện theo mẫu khách hàng,... Khắc dấu Babylon luôn đặt lợi ích của khách hàng lên hàng đầu và làm hài lòng mọi khách hàng dù là khó tính nhất, chúng tôi đảm bảo mang đến cho khách hàng các sản phẩm dấu liền mực chất lượng cao với giá thành rẻ nhất. Khách hàng Khắc dấu liền mực tại Babylon sẽ được đảm bảo một số lợi ích từ dịch vụ như: - Tư vấn những giải pháp hợp lý, tối ưu, phù hợp nhu cầu Khách hàng; - Tư vấn dịch vụ thành lập doanh nghiệp miễn phí - Giao hàng tận nơi trong thời gian nhanh nhất (Giao hàng trên phạm vi toàn quốc); - Giao hàng chính hãng, chất lượng đảm bảo; - Quý khách đặt hàng với số lượng lớn sẽ được giảm giá.  Hãy liên hệ với Babylon để được tư vấn miễn phí và được cung cấp các dịch vụ Khắc dấu tốt nhất! Hà Nội City: P.G03, Tòa nhà 133 Thái Hà, Đống Đa, Hà Nội Tel: 043.5381159 - 043.5381160 Hotline: 1900 6655 - Fax: 043.5381170 Hồ Chí Minh City: P. 802 - số 180-182 Lý Chính Thắng - P9.Q3 Tel: 0839.315.382 - Hotline: 1900 6655 Mobile: 093.601.1786 Hải Phòng City: Số 5 Nguyễn Bình - Đổng Quốc Bình - Ngô Quyền Tel: 031.3261.886 - Hotline: 1900 6655


"I had to apply for an American Express card, which was also rejected.   Then I had searched for a Marbles Credit Card Stop applying for credit cards/loans. Doing so is just making your credit rating worse. Credit agencies will downgrade your credit rating if they see lots of signs of credit checking. It's a sign you're desperately looking for credit, which you are...! 44.9% APR This is very expensive credit. You can get personal loans on the high street for 3-4%. 44.9% is really bad value. You're simply going to make the situation worse. Am I taking off a loan from website as amingos loans to help me build   up my credit rating Again this is 44% interest! You also need a guarantor. So you're not only going to get yourself in trouble but a family member too: don't do this! This will only help your credit rating if you pay it back successfully, which given your situation seems like a risk. Contact the Money Advice Service or the National Debt Line. Explain your situation in detail to them. They are a government-backed service designed for people in your situation. They will offer practical advice and can even help negotiate with your creditors, etc. Here's some general advice about getting out of debt from Money Saving Expert Traditional debt help says 'never borrow your way out of a debt   problem'. But this ignores the varying cost of different debts. The MoneySaving approach is: ""Never borrow more to get out of a   debt problem."""


India and the United States have a tax treaty, so if you pay tax in the United States, YOU DO NOT HAVE TO PAY TAX IN INDIA OR VICE VERSA. Your father in law can wire the money back to your US bank account  if you provide him with your routing number and swift code. He might be charged a little fee depending on the amount he is sending(It is usually Rs.1000/-), but once the money comes back it is absolutely tax free. If it is a lot of money, you might get an inquiry, but assuming you have already payed taxes on it, it should reflect on your W2, so you do not have to pay any further taxes. Cheers!


"AI and robotics are going to destroy millions of jobs.  That's not necessary a bad thing. The human species should not want to spend eternity in agonizing menial labor over something as make-believe as ""money"".  If the cards are played right, eliminating menial jobs will be a good thing. It would mean easier and more luxurious lives for most people. Folks who are currently doing jobs which will be replaced such as commercial truck drivers, can learn new trades and/or be transitioned to different roles in their industry, preferably without starting over from nothing.  but it's going to happen, and it would be irresponsible to give menial laborers the impression that their jobs will still exist somehow."


Here's a nice middle ground: give everyone who falls under DACA full citizenship ~~and is~~ *provided they are* employed*, are in school,* or ~~is~~ *are* actively seeking employment, and then repeal DACA.  Edited for clarity.


What do most people say that disappoints you?  I think I would say that I wanted to keep myself prepared and up to date while job searching and that my goal is to eventually become a charter holder.  Do you know if regional banks employ many analysts that are charter holders?


I think I see why we have a divide in this country.  Given that we're growing at the same rate as at the end of the Obama presidency, you don't think Hillary would've delivered the same results (or Bernie, Ted, Marco, Evan, or whoever)?  6 months is really too short a time to see the effect of economic policies.


"Assuming you file state tax returns, you shouldn't buy Basic. Ever. Your choice is probably between the ""Premier"" version and the ""Business and Home"" version. Price difference is insignificant (I have a comparison on my blog, including short descriptions as to who might find each version useful the most). The prices have gone down significantly, since when I wrote the article, its cheaper now."


Does your current firm have a United States office or affiliate? That's the easiest route asking for a transfer or reassignment.   Super competitive for more senior positions with a direct transfer but you can have a shot a junior positions that you can then advance since you have some experience.


When paying off multiple debts there is a protocol that many support. Payoff your debts according to the snowball method. The snowball method proposes that you make minimum payments on all debts except the smallest one. Payoff the smallest debt as quickly as possible. As smaller debts are paid off, that makes one less minimum payment you need to make, leaving you with more money to put against the next smallest debt. So in your case, pay off the smaller debt completely, then follow up on the larger one by making regular payments at least equal to the sum of your two current minimum payments. You'll see immediate progress in tackling your debt and have one less minimum to worry about, which can serve as a little safety of it's own if you have a bad month. As to saving the thousand dollars, that is pragmatic and prudent. It's not financially useful (you won't make any money in a savings account), but having cash on hand for emergencies and various other reasons is an important security for modern living.  As suggested in another answer, you can forgo saving this thousand and put it against debt now, because you will have a freed up credit card. Credit can certainly give you that same security. This is an alternative option, but not all emergencies will take a credit card. You typically can't make rent with your credit card, for example. Good luck paying your debts and I hope you can soon enjoy the freedom of a debt free life.


You have a standard deduction of $12,600 (Married filing joint, MFJ) plus $8000 in exemptions. A total of $20,600 off the top. In other words, just under $10,000 taxable unless you have other income you haven't disclosed. For MFJ, you are at the 10% bracket up to $18,450 in taxable income.  I would withdraw just enough to 'top off' the 10% bracket each year, whether or not you send it to pay down the card. You don't disclose the rate, but if you are able take a low interest loan to get to a sub 5% interest rate, I'd do that.


why can't I just use the same trick with my own shares to make money on the way    down? Because if you sell shares out of your own portfolio, by definition, you are not selling short at all. If you sell something you own (and deliver it) - then there is no short involved. A short is defined as a net negative position - i.e. you sell shares you do not have. Selling shares you own is selling shares you own - no short involved. You must borrow the shares for a short because in the stock market, you must DELIVER. You can not deliver shares you do not own. The stock market does not work on promises - the person who bought the shares expects ownership of them with all rights that gives them. So you borrow them to deliver them, then return them when you buy them back.


"It seems like the argument is based in the idea that if you are going to be working 1 or even 2 minimum wage jobs while having trouble feeding/clothing/housing yourself, and ultimately have to leave the city because of that, how is that functionally different than not working? I live in San Francisco and there is a massive problem here with staffing in the service industry because restaurant employees can't afford to live within commuting distance of work.  I do think that the ""something's gotta break"" line of logic is tough because we're talking about people's lives, but I understand the futility of working more than full time to not be able to afford a livelihood as well."


It depends on your bank and your mortgage contract details if they are willing to handle it that way, but you are correct in your assumption that you should be able to save the interest for the twenty days, which accumulates to significant savings. A rough estimate for the overall saving is 20 years x 3% x 20/30 of the days = (one time) 40% of your monthly payment.


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Do you have other things you might want to spend that cash on in the near future? (Like a down-payment on a house?) Beyond having emergency cash, the only reason to keep a pile of cash around is because you might need it for another purchase. Unless you are going to have other expenses that will require higher-interest loans to cover them, there's no need to sit on a big pile of cash. As long as you are getting the full match on your 401(k), that's the free money that might be worth more than the interest you are paying on the loans. In any case, I suggest you aim for at least 10% into your 401(k) account moving forward in your life so that you can properly fund retirement. 15% would be even better. It doesn't sound like you would be losing anything by paying the student loans, and you could then use the money freed from your loan payments to pay down your car faster.


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"Typically mutual funds will report an annualized return. It's probably an average of 8% per year from the date of inception of the fund. That at least gives some basis of comparison if you're looking at funds of different ages (they will also often report annualized 1-, 3-, 5-, and 10- year returns, which are probably better basis of comparison since they will have experience the same market booms and busts...).  So yes, generally that 8% gets compounded yearly, on average. At that rate, you'd get your investment doubled in roughly 9 years... on average... Of course, ""past performance can't guarantee future results"" and all that, and variation is often significant with returns that high. Might be 15% one year, -2% the next, etc., hence my emphasis on specifying ""on average"". EDIT: Based on the Fund given in the comments: So in your fund, the times less than a year (1 Mo, 3 Mo, 6 Mo, 1 Yr) is the actual relative change that of fund in that time period. Anything greater is averaged using CAGR approach. For example. The most recent 3 year period (probably ending end of last month) had a 6.19% averaged return. 2014, 2015, and 2016 had individual returns of 8.05%, 2.47%, and 9.27%. Thus that total return over that three year period was 1.0805*1.0247*1.0927=1.21 = 21% return over three years. This is the same total growth that would be achieved if each year saw consistent 6.5% growth (1.065^3 = 1.21).  Not exactly the 6.19%, but remember we're looking at a slightly different time window. But it's pretty close and hopefully helps clarify how the calculation is done."


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You tagged with S-Corp, so I assume that you have that tax status.  Under that situation, you don't get taxed on distributions regardless of what you call them.  You get taxed on the portion of the net income that is attributable to you through the Schedule K that the S-Corp should distribute to you when the S-Corp files its tax return.  You get taxed on that income whether or not it's distributed. If you also work for the small business, then you need to pay yourself a reasonable wage.  The amount that you distribute can be one factor in determining reasonableness.  That doesn't seem to be what you asked, but it is something to consider.


In the United States there are 3 main types of cards. There are organizations that push a credit card with their branding. They aren't a bank so they partner with a bank to offer the card. In the US many colleges and professional sports teams will market a credit card with the team or universities colors and logo. The bank handles the details and the team/university gets a flat fee or a portion of the fees. Many even have annual fees. They market to people who want to show their favorite team colors on their credit card, and are willing to pay extra. Some of these branded cards do come with extra perks: Free shipping, discounts on tickets, being able to buy tickets earlier.  There are 4 other types of cards that have limited usage: What makes it confusing is that large business can actually turn a portion of the corporation into a bank. Walmart has been doing this, and so have casinos.


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TL;DR.: Because eventually the CC issuer will pass the fraud bill to the customer, in the form of increased fees and/or taxes. Even with no liability in the case of fraud, the customer should put effort into security measures with their card. The expense from fraud may be the sole burden of the credit issuer / bank as per Ben Miller's answer, but this expense will someday find its way into the customer's pockets: Disclosure, i work at a bank. A banks' best ability probably is risk management. The ones that were bad at this probably went under in the last four decades. With regulations such as SOx, Basilea, and others, it is impossible for a bank to neglect risk management. Every expense, including operational losses, a bank incurs will reflect in increased fees / interest rates for the customers. So in the case of a sharp raise of credit card fraud, the banks will soon take measures to reduce these losses. That may mean canceling the cards of high-risk groups of customers, increasing fees or interest. A particular customer that is often the target of fraud (way more than the average for that customer's demographic) will probably see his card not renewed or even cancelled, or his limits decreased and/or rates/fees going up.


Check out this Relevant Article.  Here's the first paragraph that answers your question: The opening and closing of bank (deposit) accounts doesn't affect your credit score. Your credit score is based on your lending relationships and public records, such as bankruptcy filings or court judgments recorded against you. The rest of the article goes into more detail.


Good idea. That is enough money to never work again, if a life is well planned. A person does not need more than that, to have a happy and lengthy life, doing what they love.  I retired at 47 with less than this.


You can play with the numbers all you like (and that's good), however, here is a different way to look at it.  The debt you have is risk. It limits your choices and eats your cash flow. Without the debt, you can invest at a much greater rate. It frees up you cash flow for all the things you might want to do, or decide in the future you might want to do. Right now is the easiest time for you to focus on debt repayment. It sounds like you are not married and have no children. It is much easier now to cut back your lifestyle and concentrate on paying off this $50k of student debt. This will get harder as your responsibility increases. Build up a small amount of cash for emergencies and put the rest at the debt. You can keep contributing to your 401k to the match if you want. This will give you 2 benefits: Patience. When you actually DO start investing, you will have a new appreciation for the money you are using. If you sacrifice to pay off $50k now, you wont look at money the same for the rest of your life.  Drive. If you see the debt as a barrier to achieving your goals, you will work harder to get out of debt.  These are all things I would tell my 23 year-old self if i could go back in time.  Good luck!


I'm not sure software produced by firms in the (all encryption is bad) UK, or (Patriot Act overrides everything) US would be any more secure for me as a user though to be honest.  It is surprising a US intelligence person would use any security software from a Russian firm though, that's true.


That is mostly true, in most situations when there are more buy orders than sell orders (higher buy volume orders than sell volume orders), the price will generally move upwards and vice versa, when there are more sell orders than buy orders (higher sell volume orders than buy volume orders), the price will generally move downwards. Note that this does not always happen, but usually it does. You are also correct that for a trade to take place a buyer has to be matched with a seller (or the buy volume matched with the sell volume). But not all orders get executed as trades. Say there are 50 buy orders in the order book with a total volume of 100,000 shares and the highest buy order is currently at $10.00. On the other side there are only 10 sell orders in the order book with total volume of 10,000 shares and the lowest sell order is currently $10.05. At the moment there won't be a trade unless a new buyer or seller enters the market to match the opposing side, or an existing order gets amended upper or lower to match the opposing side. With more demand than supply in the order books what will be the most likely direction that this stock moves in? Most likely the price will move upwards. If a new buyer sees the price moving higher and then looks at the market depth, they would most likely place an order closer to the lowest sell order than the current highest buy order, say $10.01, to be first in line in case a market sell order is placed on the market. As new buy orders enter the market it drives the price higher and higher until the buy orders dry up.


"**David F. Swensen**  David F. Swensen (born 1954) is an American investor, endowment fund manager, and philanthropist. He has been the chief investment officer at Yale University since 1985.  Swensen is responsible for managing and investing Yale's endowment assets and investment funds, which total $25.4 billion as of September 2016. He invented The Yale Model with Dean Takahashi, an application of the modern portfolio theory commonly known in the investing world as the ""Endowment Model."" His investing philosophy has been dubbed the ""Swensen Approach"" and is unique in that it stresses allocation of capital in Treasury inflation protection securities, government bonds, real estate funds, emerging market stocks, domestic stocks, and developing world international equities.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/finance/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.24"


The one whose order gets to the exchange first. The exchange receives the orders and arranges them in First-In-First-Out order, by which they're then executed. At some point it is synchronized and put into a list. Whoever gets to that point first - gets the deal.


Not really my field but this is how I see the impact   Disadvantages for banks : not being able to chose where they park assets/cash they have been trusted with which mean lower income from investing those  disadvantage for banks shareholders : less earnings   disadvantage for the economy : harder criteria to lend, lower loan growth   advantage for the economy : (theoretically) less risks of liquidity crunch and financial crisis


NAFTA affected U.S. workers in four principal ways. First, it caused the loss of some 700,000 jobs as production moved to Mexico. Most of these losses came in California, Texas, Michigan, and other states where manufacturing is concentrated. To be sure, there were some job gains along the border in service and retail sectors resulting from increased trucking activity, but these gains are small in relation to the loses, and are in lower paying occupations. The vast majority of workers who lost jobs from NAFTA suffered a permanent loss of income.  Second, NAFTA strengthened the ability of U.S. employers to force workers to accept lower wages and benefits. As soon as NAFTA became law, corporate managers began telling their workers that their companies intended to move to Mexico unless the workers lowered the cost of their labor. In the midst of collective bargaining negotiations with unions, some companies would even start loading machinery into trucks that they said were bound for Mexico. The same threats were used to fight union organizing efforts. The message was: “If you vote in a union, we will move south of the border.” With NAFTA, corporations also could more easily blackmail local governments into giving them tax reductions and other subsidies.  Third, the destructive effect of NAFTA on the Mexican agricultural and small business sectors dislocated several million Mexican workers and their families, and was a major cause in the dramatic increase in undocumented workers flowing into the U.S. labor market. This put further downward pressure on U.S. wages, especially in the already lower paying market for less skilled labor.  Fourth, and ultimately most important, NAFTA was the template for rules of the emerging global economy, in which the benefits would flow to capital and the costs to labor. The U.S. governing class—in alliance with the financial elites of its trading partners—applied NAFTA’s principles to the World Trade Organization, to the policies of the World Bank and IMF, and to the deal under which employers of China’s huge supply of low-wage workers were allowed access to U.S. markets in exchange for allowing American multinational corporations the right to invest there.  Please thank Bill Clinton.


Thank you, I was thinking the same way. A lot of women who are in a relationship and with children want to contribute financially, feel like they are accomplishing something and be successful (in the career sense) but still have their main role as house/child care. These schemes prey and focus on this and how easy it is to do from home/in your own time. It is something that a lot of people wish were true and get sucked in by.


glass steall is one.  getting rid of glass stegall meant commercial banks could create iou money irresponsibly through loaning and sell the loan to wall street speculators.  This drives up assets to bubble prices.  Inflation for all.


1) Document that you held the bitcoins for more than one year. This should not be particularly difficult. Since you haven't moved the bitcoins, you hold the key to an address that has held them for more than one year. While this isn't absolute proof, it should be sufficient. 2) Since you can't document how you bought them easily, you can just assume a tax basis of zero. This will mean you will pay microscopically more in taxes, but don't worry about it. 3) Sign up with an exchange that can handle your sales. Coinbase will work if you want to sell it slowly. Gemini will work if you want to sell more quickly. 4) Get a decent, secure bitcoin wallet. Transfer the bitcoins to the exchange only as you're selling them. Make you first sale fairly small just in case something goes wrong. 5) Keep meticulous notes about each sale -- the date of the sale, the number of bitcoins you sold, and the number of dollars you got. 6) Make sure to keep enough money for taxes. In Michigan, 24.3% would be the highest possible tax rate you might have to pay if you sold a lot or had high income otherwise. 7) Either get a professional to file your taxes for you or learn how to correctly report long-term capital gains. You must report each individual sale. You may get audited or investigated, but there's nothing to find. The bitcoins have been in stasis for a long time, and it's completely plausible that you bought them and held them. If you can find any proof you bought them (such as a transfer to an exchange) that would be great, but it's not essential. Many people have this same story and unless you're connected to something illegal, you probably don't have anything to worry about. Congratulations! So thats my question, what steps do I need to take to declare this money and obtain it without getting arrested / investigated? There's nothing special you need to do other than keep very good documentation. When you file your taxes, you will need to declare each sale. (This answer assumes that you didn't have a lot of income last year and significantly less income this year. If that's the case, you may have to pay estimated taxes to avoid a penalty. But that penalty is very small and will be calculated by the IRS for you automatically. So I wouldn't worry about it.) You may wish to read up on gift taxes to understand how they work. You won't owe any, but you may need to file paperwork with the IRS if you give large gifts (over $14,000) to people and you will use up some of your lifetime exemption. Keep records of any gifts you give.


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I'd imagine that an 'emotionless' environment (maybe not the best word to describe it) will mean that people with autism (substitute this with any other attribute such as looks, gender, nationality, skin color, etc.) are less hindered in advancing, thus one should expect that more of them would congregate in in an environment that is welcoming to their natural bias.   I don't have any opinion on the subject, rather I have lots of questions.


While you can print that on the check, it isn't considered legally binding. If you are concerned about a check not being deposited in a timely manner, consider purchasing a cashier's check instead. This doesn't solve the problem per se, but it transfers responsibility of tracking that check from you to the bank.


As others have pointed out, post-tax dollars are what you'll use.  Just as a quick note, as you'll be using post-tax dollars; in the past, I've refused to take contractor plans because they almost always are inferior to what I've been able to get off the private exchange ehealthinsurance.  A few people have written excellent articles on Get Rich Slowly here and here about them in detail if you want more information. Generally, contractors (and sometimes employees) are offered a few plans (3-4), and this health exchange gives you a little more freedom to pick your plan, which in your situation may help.  It isn't always cheaper, but depending on your needs, you may obtain a better deal. Forgot to add this: this option has also made switching jobs easy as well since I don't have to pay COBRA.  While it depends on the situation, this can sometimes come out significantly cheaper.  For instance, if I were to take the employer health plan next year, I would lose ~$450 a month, whereas the private exchange option is ~$300.  But, if I were to switch jobs, decide to opt for self-employment, or a layoff, the COBRA would be even higher than ~$450.


I see a false assumption that you are making.  (Almost always) When you buy stock the cash you spend does not go to the company. Instead it goes to someone else who is selling their shares.  The exception to this is when you buy shares in an IPO.  Those of us who have saved all our lives for retirement want income producing investments once we retire. (Hopefully) We have saved up quite a bit of money. To have us purchase their stock companies have to offer us dividends.


"The short answer is: banks are less concerned about the interest earned on any single mortgage than they are for the interest earned over time from a collection of mortgages. Let's look at a repayment schedule for a 30-year mortgage at 4% for $100,000. (source: http://web5.vlending.com/loancenter-calculators-amort.aspx. Any mortgage calculator should produce a similar schedule, however.) A few things to note: The interest due in the last 6 years is less than the interest due in the first year alone. Banks are getting a disproportionate amount of the expected interest up front. Banks can make multiple loans; the money collected from existing borrowers can be aggregated to make new loans before the old ones are paid off, and those new loans start, of course, at the interest-heavy end of the repayment schedule. Suppose the bank lends out $1,000,000 to 10 borrowers. In the first two years, they will collect a total of $114588.90 from the 10 borrowers in principal and interest. That's enough to make an additional loan to an 11th borrower while keeping $14,588.90 as ""profit"". The new borrower is making payments at the year-one rate. A bank may lose a little interest on a single loan that gets repaid early, but that is generally made up by the fact that a new loan can be issued that much sooner as a result."


Pretty soon southerners proud of their heritage will need to be a protected class.  They didn't choose to be southern.   Their parents inculcated pride in their heritage while they were young.  They didn't choose that either.  They can't help but leak a tear when Dixie plays.  Its just how it is.


"You can greatly reduce the risk if you can line up a buyer prior to purchasing the car.  That kind of thing is common in business, one example is drop shipping.  Also there are sales companies that specialize in these kinds of things bringing manufacturers of goods together with customers.  The sales companies never take delivery of the product, just a commission on the sales.   From this the manufacturers are served as they have gained a customer for their goods.  The buying company is served as they can make a ""better"" end product.  The two parties may have not been brought together had it not been for the sales company so on some level both are happy to pay for the service. Can you find market inequalities and profit from them?  Sure.  I missed a great opportunity recently.  I purchased a name brand shirt from a discount store for $20.  Those shirts typically sell on ebay for $80.  I should have cleaned out that store's inventory, and I bet someone else did as by the time I went back they were gone.   That kind of thing was almost risk-less because if the shirts did not sell, I could simply return them for the full purchase price.  That and I can afford to buy a few hundred dollars worth of shirts. Can you afford to float 45K CDN?  What if it takes a year to sell the car?  What if the economy goes sour and you are left ""holding the bag""?  Why are not car dealers doing exactly what you propose? Here in the US this type of thing is called ""horse trading"" and is very common.  I've both lost and made money on these kind of deals.  I would never put a significant amount of my net worth at risk."


"SO has observed a lot of irresponsible spending from a parent, which has scarred SO for life OK, so we've got fear... SO is not very financially savvy and has very little idea about how much we earn  ...and ignorance.   You are entirely correct to worry about the conversation. Fear plus ignorance equals disastrous conversations. I manage our finances. Apparently your SO wishes to have input on the management of your finances without understanding them. It strikes me that this serves neither of you well. I would note that it is exceedingly difficult to rationally argue someone out of a position that they arrived at through irrational fear and ignorance. So I wouldn't start by having a conversation about charitable giving at all. Rather, I would start by addressing the ignorance, because that's the easy one.  how high up we are in terms of being in the top y% of households by income Income is irrelevant to the fearful; income can vanish with debts remaining. If your SO is not earning much of that income then SO's future financial security is dependent on the whims of another, which has already turned out badly once for SO.  Focusing on raw income is the wrong way to go; focusing on an abstraction like percentile is even more irrelevant. The figures to focus on are not income and percentile, but rather net worth and change in net worth over time.  Income $300K, expenses $350K eventually leads to poverty if you lack net worth, even if you are in the 1% of income earners. Open up with ""how much do you think we earn?"" Playing rhetorical games with ignorant people seems both risky and perhaps unethical to me, and it seems unlikely to engender trust. I would approach this situation by first removing the ignorance, rather than attempting to take advantage of it for rhetorical purposes.  I would also institute a policy that ignorant people don't get a say. If SO wants to abrogate financial responsibility to you, then SO should accept your decisions without question. If SO wants to have a say in your joint financial life then SO has a responsibility to make recommendations based on both facts and feelings, not just feelings. So, how to remove this ignorance? This will take some doing, but not much. Go through your records and account for: From that you can compute your net worth. Then go back a few years and account for: From this you can show the effect of your past prudent decisions on your net worth. There should be no percentages. There should be no math more complicated than adding and subtracting, and it should be very clear what adds and substracts to what.  People who are financially savvy are extremely intimidated by jargon. If some of your increase in net worth came from a realized capital gain less taxes do not say ""realized capital gain less taxes"" on your summary document. There should be no ""depreciation"" or ""cost basis"" or anything even vaguely like that. Even ""assets"" and ""liabilities"" are too jargonish. ""Possessions"" and ""debts"" are more easily understood. I'm thinking something like: My SO is financially savvy and still I do this about twice a year; it's helpful for both of us to have a quick summary of what's coming in, what's going out, and what we've got. Once the ignorance is gone, then start working on the fear. It sounds like the fear comes from a betrayal of trust, so it's not just enough to be trustworthy, you've got to consistently appear trustworthy. A great way to do that is to keep doing what I already suggested: on a regular, ongoing basis inform SO of how you are doing financially. When SO sees that net worth is consistently improving over time, that you are not one bad decision away from poverty, the fear should diminish. Expect this to take a long time."


In theory you can buy shares directly from someone else who owns them. In practise, if the stock is listed on an exchange, they are unlikely to own them directly, they are likely to own them through an intermediary. You will have to pay fees to that intermediary to transfer the shares to your name. There are thousands of small companies owned by the guy who started it and a few other investors. You can buy stock in that kind of company directly from the existing owners, as long as they are willing to sell you some. It's a super-high risk investment strategy, though. This is the kind of deal that happens on Dragons Den.


"It's not my industry so I may be wrong, but I don't believe there are any transactions or companies that would provide a worthwhile comparable, hence my problem with the valuation attempt. For the same reasons you wouldn't use a P/E multiple or DDM model on a startup, you don't just pick tangential comparables and slap a value on it. If you're seriously advising companies, that shit will land you in court defending your valuation.  It's not a ""floor"" just because you know it's inaccurate.. it's irrelevant. Quite frankly, I don't think they released any value, let alone $1bn.  It's merely a PR move, with the hope that Tesla's technology will become the standard for all EVs.  At best, major companies decide to use some of their patents ""in good faith"" and leverage the infrastructure that Tesla has already put in place.   At worst, Tesla still did not give away $1bn in value. How much have they made off of licensing their patents? How much have others offered for their patents? How many companies are infringing, and how many lawsuits have they won from going after them? If you can't put a hard figure on any of those, or a solid rationale on how the patents are the only reason they'll be able to gain market share, then I don't see how we can conclude on $1bn given away."


"During market hours, there are a lot of dealers offering to buy and sell all exchange traded stocks. Dealers don't actually care about the company's fundamentals and they set their prices purely based on order flow. If more people start to buy than sell, the dealer notices his inventory going down and starts upping the price (both his bid and ask). There are also traders who may not be ""dealers"", but are willing to sell if the price goes high enough or buy if the price goes low enough. This keeps the prices humming along smoothly. During normal trading hours, if you buy something and turn around and sell it two minutes later, you'll probably be losing a couple cents per share. Outside normal market hours, the dealers who continue to have a bid and ask listed know that they don't have access to good price information --  there isn't a liquid market of continuous buying and selling for the dealer to set prices he considers safe. So what does he do? He widens the spread. He doesn't know what the market will open tomorrow at and doesn't know if he'll be able to react quickly to news. So instead of bidding $34.48 and offering at $34.52, he'll move that out to $33 and $36. The dealer still makes money sometimes off this because maybe some trader realized that he has options expiring tomorrow, or a short position that he's going to get a margin call on, or some kind of event that pretty much forces him to trade. Or maybe he's just panicking and overreacting to some news. So why not trade after hours? Because there's no liquidity, and trading when there's no liquidity costs you a lot."


"All investors have ultimately the same investment goal: maximize returns while limiting risk to an acceptable level. Of course we would love to maximize returns while minimizing risk, but in most cases if you want higher returns you must be willing to accept higher levels of risk. We must keep in mind that investors are humans, not computers. As such not everybody is willing to accept the same level of risk. Insurance is simply a way to ""buy down"" risk. Yes, it reduces our overall gains (most of the time), but so do bonds vs stocks (most of the time). And yet who among us doesn't have bonds in our portfolio? Insurance is yet another way to balance risk and return."


I would not advise you to go entirely broke in order to clear debts. You could use the cash you have to invest, or render some other services other students need in school while you raise cash from doing so.


My level of analysis is not quite that advanced. Can you share what that would show and why that particular measure is the one to use?  I've run regression on prices between the two. VIX prices have no correlation to the s&p500 prices. Shouldn't true volatility result in the prices (more people putting options on the VIX during the bad times and driving that price up) correlate to the selloff that occurs within the S&P500 during recessions and other events that would cause significant or minor volatility? My r2 showed no significance within a measurement of regression within Excel.  But, *gasp* I could be wrong, but would love to learn more about better ways of measurement :)


Why do they need sky scrapers? And if for some reason they do, why can't they just be in Rosslyn? Tysons? Reston? The DC pitches in the city itselfinclude blocks of mid rise space that would do just fine. Plenty of areas in the DC area if they feel the educated workforce is worth the higher cost of living.


Cute conspiratorial story.  A cabal of evil grocery store owners set up a sprawling and risky supply chain overseas so they can pay more for their products for the express purpose of paying their employees market wages for their labor?  Grocery store workers are not underpaid.  If they were, they could walk across the street and make more money at a competitor.  So if the profit margins are fat on the supplier side, somehow competition would come in there either?  You can't have it both ways.  The vast majority of food products sold in grocery stores in North America are grown, manufactured and sold right here in North America.  There's no way to explain it away - the grocery store market is viciously competitive and profit margins are slim.


">Hence we need agencies like Elizabeth Warren's CPFB that audits and checks the govt.  But Warren's position is that more government is better government. Where's the advocate for ""back the fuck up, get out of the way, leave me alone""? There isn't one!   >you cannot expect exchanges to self regulate so the min. HFT hold time of 5 secs imposed by exchange will likely not happen by the exchange on its own volition  And yet Underwriter's Laboratories does a *great* job with consumer electronics safety *without* governmental regulatory power. Are you aware of this?"


Teachers make great money, get even better benefits, and work a part time job.  In Dallas, they start at over 50k, get a benefits package including early retirement that is impossible to get in the private sector, and only work 180 days a year.


Some smart but sketchy people are getting rich with this.  >The email informs readers about AllSafe, a digital token without a working website, a Twitter account that's been dormant since June, and the same name as a fake company in the show Mr. Robot.  Ok, maybe not that smart.


Nah, in your example the problem wasn't that Microsoft was charging too much for Internet Explorer, it's that they were giving it away for free which made them the target of antitrust cases by people who were in the business of selling web browsers.


Do you have an adviser/mentor for your thesis? I'd recommend talking to them about your goals and see if they have any insight. They might have a better idea of your credentials/capabilities etc. They will also likely be one of the ones to write a letter of rec, so it would be good to get them on board early.  If you're still at the same institution (or area) from your undergrad, then you could probably talk to any of the finance profs you liked as well. They could be helpful as well and would know more about your background.  Since you are doing a thesis anyways, I'd recommend trying to get it published. This would be something you would want to hopefully get your mentor involved with. The Association of Business Schools (ABS) journal rankings can give you an idea of where you might want to try to publish. I'd think anything at an ABS 2 (3 would be fantastic, a 4 as a masters student is really unlikely but would open almost any door) would really help your application. Although the timing is unlikely to work out (assuming you are working on the thesis and also applying to phd school this year) because the publication process takes a long time, being able to mention in your application that you were targeting a journal (or being able to provide an update that you received a 'revise and resubmit') might really help with your application. Also, if you end up waiting a year for phd school, you'd also have more time to get your thesis published.   I'd think the math/stat background should be pretty solid, even if you don't have all the calc.   A ton of your placement post phd will be determined by your phd school, so if possible, shoot high and try attend the best program you are accepted into. Rankings could give you a good idea of program strength. You can also look at the faculty members' cv. Seeing lots of ABS 4 or 4* articles in their research is a good sign that it would be a strong program.  I hope this helps. I'm not 100% what you mean by 'flagship' state school. If you are thinking top 20 (maybe Ohio State or comparable) then my advice may not apply as much, but if you are thinking in terms of a solid, reputable state school, then I think this might apply


For the purpose of personal finance, treating $500 as Interest Expense is sufficient.  For business accounting, it involves making the $500 a contra-liability and amortizing it as interest expense over the course of life of the loan.


* They have to accept some responsibility for submitting the order multiple times.  * If the price had gone up, would UBS be offering to return the shares they didn't mean to purchase?  * It hasn't cost them anything yet.  Not unless they sell the shares before the prices goes back up (which it likely will eventually).


"You need to do a bit more research and as @littleadv often wisely advises, consult a professional, in this case a tax layer or CPA. You are not allowed to just pull money out of a property and write off the interest.  From Deducting Mortgage Interest FAQs If you own rental property and borrow against it to buy a home, the   interest does not qualify as mortgage interest because the loan is not   secured by the home itself. Interest paid on that loan can't be   deducted as a rental expense either, because the funds were not used   for the rental property. The interest expense is actually considered   personal interest, which is no longer deductible. This is not exactly your situation of course, but it illustrates the restriction that will apply to you.  Elsewhere in the article, it references how, if used for a business, the interest deduction still will not apply to the rental, but to the business via schedule C.  In your case, it's worse, you can never deduct interest used to fund a tax free bond, or to invest in such a tax favored product.  Putting the facts aside, I often use the line ""don't let the tax tail wag the investing dog."" Borrowing in order to reduce taxes is rarely a wise move. If you look at the interest on the 90K vs 290K, you'll see you are paying, in effect, 5.12% on the extra 200K, due the higher rate on the entire sum. Elsewhere on this board, there are members who would say that given the choice to invest or pay off a 4% mortgage, paying it off is guaranteed, and the wiser thing to do. I think there's a fine line and might not be so quick to pay that loan off, an after-tax 3% cost of borrowing is barely higher than inflation. But to borrow at over 5% to invest in an annuity product whose terms you didn't disclose, does seem right to me. Borrow to invest in the next property? That's another story."


"This is analyst speak for ""the stock isn't going anywhere anytime soon"". Remember these guys are offering advice to the entire universe in a few lines, so the advice gets fortune cookie-like. When I look at these things, I care more about when the analyst changes their opinion more than what the opinion is. If you really trust this person, you should listen to the earnings call for the stock (or read the transcript) and listen for the questions asked by the analyst. Usually you'll be able to understand why the analyst feels the way he does."


Everyone knows that employee safety training is very essential nowadays, many company-owners taking the responsibility for people to provide such training. You will need to provide an effective employee safety training service to people in order to increase the yearly profit. Among all health & safety courses one such course is NEBOSH National General Certificate Online course.


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The way I handle clothing purchases, is I save a little bit with each paycheck but don't commit to spending each month.  I wait until I find the exact item I need or know I will need in the near future.  I have a list of things to look for so I don't get off track and blow my budget.  And each time I consider hitting Starbucks or buying a random something at Target, I think which is a better investment - a great pair of pants that will work for me for a decade, or a latte? Thank you for linking to me.  Your question is one many people have.  I feel that clothing should be purchased slowly, with care.  If you do it this you will buy items that don't need to be replaced every two years, and will maintain style and quality longer. :)


Why can't you have both? If you do have both credit and an emergency fund, and an emergency occurs, you can draw from the line of credit first. Having debt + cash is a much more stable situation than having neither, because then you have the option to use the cash to pay off the debt, or use the cash to pay other expenses. If you just have cash, when you spend it it's gone and there's no guarantee anyone is going to lend you any money at that point.


John - sure, your points are well taken. $500K in cash is preferable to $500K invested in a way I wouldn't choose at the moment.  A friendly warning - inheritances often come in the form of an IRA account. This comes with its own issues, and an IRA shouldn't be confused with the assets it contains. Selling the assets inside is fine, you can reinvest in what you wish, but selling and pulling the money out can result in an horrific tax bill. I was recently interviewed on the radio (and available as a Podcast) discussing Inherited IRA Tax Tips, and it's worth educating yourself as the topic is quite convoluted.  (And thanks, John, for a question that permitted me to sneak this in. I owe you a beverage)


You can use Google Finance Stock Screener for screening US stocks. Apparently it doesn't have the specific criterion (Last Price % diff from 52 week low) you are (were!) looking for.  I believe using its api you can get it, although it won't exactly be a very direct solution.


A standard mortgage lead generation strategy even so, is usually to purchase meticulously picked out lists of probable customers via mortgage lead generation companies, tailored in lead generation. The lead technique could cost substantially when compared with advertising, nonetheless in the lead structure, your service must be zeroed in on for preferred customers so, and who could possibly be engaged to obtain your product or service. Thus likewise supplies mortgage lead generation job opportunities, generating a beneficial win-win answer for all.


For a true financial advisor 'track record' consists of more than just returns.  Is this person helping their client make the right investment choices, savings choices, tax efficient choices, EXPENSE choices?  Is the advisor keeping me honest with myself, helping me make my goals realistic, my investment options realistic, etc.?  Is the advisor helping me stay disciplined?  For example, if an advisor has a good track record in the market, but has the investments in the wrong types of accounts and is losing too much to taxes, he/she is a bad advisor.  If the advisor is not considering the time horizon of the investor, he/she is a bad advisor.  If the advisor is not helping the client understand their true risk tolerance, he/she is a bad advisor.  All of this regardless of their track record.  Edit: You also seem to be talking about wealth managers.  I am talking about financial managers.  I believe very few wealth managers are actually worth their costs (and most are just blow horn prognosticators) whereas financial advisors are financial educators to clients.


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To me this is a simple cost/benefit analysis... I'm guessing you will spend a whole lot more time and effort trying to fight the collection agency than the $55 is worth. In this case I would just go ahead, pay it and be done with it. Had the amount been higher, this would change. But that's me; you should do your own analysis based on your circumstances (including how much it's worth to you to be right) and let that inform your decision.


Ok, the point you're missing is that installed base is irrelevant.  Yes, there's much more total installed natgas than solar/wind, but that's not important for calculating the impact on coal retirements.  To displace coal, you need to install something new.  That new generation means coal needs to be less profitable or get turned off.  So the real question is how much solar/wind have been installed in the last 5 years compared to natgas.  These new installations replace coal that used to be burning.  Again, early in the thread you stated that solar/wind had very little effect.  That's not true, they have a very significant effect.  Natgas deserves significant credit, but certainly not all of it.


As an individual, I am not aware of any insurance you can buy that will cover legal costs for any event that may occur (whether criminal or civil)... I imagine this is because the risk is too difficult to measure and the moral hazard too great. I do notice you mention rental property/small business needs.  If your concern is truly for costs relating to some legal issue that arises out of your professional operations, then  Professional liability insurance may be what you are looking for (oftentimes referred to as errors and omissions, or E&O for short).  This insurance is specific to whatever business you engage in, however will typically protect you against legal claims (including defense costs) as a result of your business operations.  Note however that what is actually covered will be specific to your policy. As duffbeer703 mentioned, the purpose of insurance is for covering specific losses, i.e., protecting you from legal claims that may arise during the course of business.  If you are looking for a solution that will, e.g., provide you a standard set of legal documents (maybe a lease agreement) then you are not in fact looking for insurance, but instead legal services at a fixed rate. Why would an insurance company pay for services both you and it already know you need?


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"Do both. The Roth should be started ASAP so you can start on the 5 year maturity period. Even if you already have the Roth started, it doubles as an emergency fund, so putting money into it couldn't hurt. Student loan interest is tax deductible, so your ""real"" interest is probably around 4.7%. However, this is still a good reason to pay them off soon."


Maybe if the employers gave their employees a living wage, health benefits, educational opportunities, retirement opportunities, etc. the employees wouldn't be so jaded about their jobs.  Their attitudes stem in large part from the fact that they make so little money for the work they do that is valuable to the company.


"Thanks! I'll make sure I remember to vote for the one who got the most big money as ""the people's"" candidate, next time.  8 years of ""muh legacy"" ... gone ... all because [the election is over](https://youtu.be/MPsbV-IvLDU). I guess, it kinda sucks with the shoe on the other foot."


"This is the best tl;dr I could make, [original](https://aeon.co/essays/how-work-changed-to-make-us-all-passionate-quitters) reduced by 96%. (I'm a bot) ***** > In doing so for work, they developed a metaphor - that every person should think of herself as a business, the CEO of Me, Inc. The metaphor took off, and has had profound implications for how workplaces are run, how people understand their jobs, and how they plan careers, which increasingly revolve around quitting.  > In the US especially, there is a strong cultural consensus that people should feel passion for their work, and work hard.  > She would tell an executive she was trying to recruit that if they no longer felt any passion for their work, then they were harming all their colleagues at work, who now had to work with someone who no longer enjoyed work to its utmost.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6qge9i/good_jobs_used_to_be_ones_with_a_good_salary/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~179016 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*: **work**^#1 **job**^#2 **company**^#3 **market**^#4 **quit**^#5"


"Yes, but that's not what I'm getting at.  Your story made sense up to the ""enterprising person"" part.  The notes represented obligations secured by apples (or rights to future apples).  Regardless of the secondary note trading, at the end of the day, one could approach issuer of the note, the apple farmer, and redeem (or attempt to redeem) the note for the underlying apples.  The enterprising person's notes are different.  The holder of the new notes cannot approach the priest and demand anything.  The story doesn't explain this critical transition, which is probably the most important part.  You suggest the problem in your response above when you say ""it's just no longer pegged specifically to one grower's apples.""  The new notes aren't ""pegged"" to anything.  That's a huge but unexplained shift, a shift I called a ""gap in the internal logic of this story.""  [Edit: In other words, with the apple notes, there was an option.  One could trade the apple notes with others or get apples.  With the new notes, there is no option.  You must trade the notes.  There is no underlying good or service to redeem.]"


"Well the only 2 times I've been scammed were Chinese.  A smartphone scam on swappa and these smart LED bulbs on Indiegogo.  I'll never trust a store front once one of their sellers can get away with that.  With Swappa, items are publicly visible before they're verified and with Indiegogo they say you're investing in an ""idea.""  When the merchant says there is a tangible product and that it will be shipped, it's not an idea.  There is no reason for them to produce anything because the cost is so low to take legal action and there's at least 3 other parties involved in the sell."


> You may be willing to pay much more, but not everyone is willing.  Taxi services in Europe are more expensive than Uber, but they are still in business. Yet, Uber wins on all other fronts (no cash exchange, quick pick up, reliable and friendly drivers, etc...).  Although, there has been some protectionism in some countries, obliging uber drivers to be taxi certified (uber Black). I'm just surprised that a taxi company has not developed a similar app, there are a lot of quick car rental services these days (3 of which I know of).


If you can use and pay off your credit card in full every month, there are plenty of benefits including improved credit, reward points and more. Many fall into the trap of just making the minimum payments and facing high interest charges or missing payments and getting a hit on their credit reports.  To start off, put something small that you know you can pay off every month. It could be your Netflix or your gas. Make sure you pay it off before any interest is accrued. Over time, you can ask for higher limits to boost your utilization rate.


">I also got more interviews in the 3 months since I started studying for the CFA and listing that on resume then in the 6 months before hand  Sounds like you need to get your interview skills up to par then. Once you get the interview it's all on you to show them that you're quick on your feet and a somewhat enjoyable person to be around. I used to be awful in interviews but now I just waltz in there with a ""I dont need these guys, they need me"" mindset. I also cross my legs and lean back, etc.. Anything to make me relax and not come off as a robot spouting financial statement jargon"


Inflation is theft!  It is caused when banks lend money that someone deposited, but still has claim to - called fractional reserve banking.   On top of that, the Federal Reserve Bank (in the US) or the Central Bank of the currency (i.e. Bank of Japan, European Central Bank, etc.) can increase the monetary base by writing checks out of thin air to purchase debt, such as US Treasury Bonds. Inflation is not a natural phenomenon, it is completely man-made, and is caused solely by the two methods above. Inflation causes the business cycle.  Lower interest rates caused by inflation cause long-term investment, even while savings is actually low and consumption is high.  This causes prices to rise rapidly (the boom), and eventually, when the realization is made that the savings is not there to consume the products of the investment, you get the bust. I would encourage you to read or listen to The Case Against the Fed by Murray N. Rothbard - Great book, free online or via iTunes.


Randomly selected stocks would probably become worthless at a similar rate of all businesses going out of business do.  I'm not sure why you'd randomly select a stock though.  Stocks in the S&P500 (or other similar index), or large-cap stocks probably become worthless at a much lower rate.


US has huge debt to China...what did we think they would use all that money for? Walk into any GoodWill in the US and the crap they have in stock(mostly made in China) is enough to buy about 1000 acres of US soil...every day.


I believe you are talking about Public Provident Fund and National Savings Certificate schemes in India. PPF -> Deposit money -> If you want to take a loan after 3 years, you can take out 25% of the balance in your PPF account. NSC -> Money locked for 6 years and can only be encashed after 3 years, you cancel your deposit and encash all your money. Money is safe in both cases, because they are secured by the Indian government. But interest(8.75% at present for both in 2014-15 financial year) is compunded anually for PPF, but half yearly for NSC. So you get a higher interest rate in case of NSC. So if you can lock in your money, without any need for withdrawls, choose a NSC for higher returns. Tax rebate wise, both are same.


I wasn't talking about cs I was talking about finance. Don't apply your own lens to my comment and then tell me that you think its wrong. And besides that I'm calling bullshit on the prereqs. Every major has pre reqs you just have to plan your schedule. Obviously it varies from school to school and if you go somewhere where there is an important pre req that's only taught once every year or two, yeah you have to plan for that shit or you get fucked. But I refuse to believe that any class has a chain of four pre reqs in front of it, such that you could not complete the chain in two years, or four semesters. And that's not even counting summer semesters, a great time to make sure you're pre reqs are covered if need be.


CitiBank offers a chip card.  It's not a chip and pin, but a chip and sign, however it worked well for my all transations.  Just call and ask for a 'world credit card' with a chip. https://creditcards.citi.com/credit-cards/citi-thankyou-premier-card/


I don't think so in your case. Unless the account generates so much interest income that it became reportable (I don't know the exact limit, but I think it's in the hundreds if not thousands of dollars, you might get a 1099 form if it generates over $10 of interest income, but you don't have to file taxes if your overall income is too low anyways). The US does not typically tax assets, only income. There are some states (Florida is the only one I can think of) that has odd tax treatment of intangible assets, but I doubt that would apply in your case. If this were a large enough amount, usually over $10,000, it might trigger some reporting requirements (possibly by your home country).


If you use a credit union, I look for the co-op network credit union ATMs.   Wide network of fee-free ATMs: http://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 You'll have to check with your bank or credit union to see what networks they belong to and if it isn't satisfactory to you, find a new bank or credit union.


Your gut feeling is absolutely spot on - you shouldn't be worrying about pension now, not at the age of 25. Assuming that you're not a footballer in the middle of the most productive part of your career and already have a fat wad of crunchy banknotes under your pillow that you're looking to set aside for a rainy day when you won't be able to play at your prime any longer. That doesn't mean you shouldn't invest, nor that means that you mustn't save. There are several factors at play here.  First of all as a young person you are likely to have a high tolerance for risk, there is still plenty of time to recover should expected returns not materialise. Even a pension fund with the most aggressive risk / return strategy might just not quite do it for you. You could invest into education instead, improve health, obtain a profitable skill, create social capital by building connections, pay for experience, buy a house, start a family or even a business. Next, as a young professional you're unlikely to have reached your full earning potential yet and due to the law of diminishing marginal utility a hundred pounds per month now have greater utility (i.e. positive impact on your lifestyle) than a seven hundred pounds will in 7-10 years time once your earnings plateaued. That is to say it's easier to save £700 month from £3000 and maintain a reasonable level of personal comfort than carve £100 from £1300 monthly income. And last, but not the least, lets face it from a human point of view - forty years is a very long investment horizon and many things might and will change. One of the downsides of UK pensions is that you have very little control over the money until you reach a certain age. Tactically I suggest saving up to build a cushion consisting of cash or near cash assets; the size of the stash should be such that it is enough to cover all of your expenses from a minimum of 2 months to a maximum of a year. The exact size will depend on your personal comfort level, whatever social net you have (parents, wife, partner) and how hard it will be to find a new source of income should the current cease to produce cash. On a strategic level you can start looking into investing any surplus cash into the foundation of what will bring joy and happiness into the next 40 years of your life. Your or your partners training and education is one of the most sensible choices whilst you're young. Starting a family is another one. Both might help you reach you full earning potential much quicker. Finding what you love to do and learning how to do it really well - cash can accelerate this process bringing you quicker there you want to be. If you were a start-up business in front of a huge uncaptured market would you rather use cash to pay dividends or finance growth?


"Check your broker's IPO list. Adding a new stock to a stock exchange is called ""Initial Public Offering"" (IPO), and most brokers have a list of upcoming IPO's in which their clients can participate."


$500 for just 32gigs. Little saddened by that. So want one though! Food or Nexus 10...food or Nexus 10...Maybe I'll get lucky and find one someone 'lost' at a bar ;) That's the 'hip' way to give away tech these days!


Where are you planning on buying this ETF?  I'm guessing it's directly through Vanguard?  If so, that's likely your first reason - the majority of brokerage accounts charge a commission per trade for ETFs (and equities) but not for mutual funds.   Another reason is that people who work in the financial industry (brokerages, mutual fund companies, etc) have to request permission for every trade before placing an order.  This applies to equities and ETFs but does not apply to mutual funds.  It's common for a request to be denied (if the brokerage has inside information due to other business lines they'll block trading, if a mutual fund company is trading the same security they'll block trading, etc) without an explanation.  This can happen for months.  For these folks it's typically easier to use mutual funds. So, if someone can open an account with Vanguard and doesn't work in the financial industry then I agree with your premise.  The Vanguard Admiral shares have a much lower expense, typically very close to their ETFs. Source:  worked for a brokerage and mutual fund company


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I am looking at size by revenue.  Looking at market capitalization gives a much different list.  I don't think market cap is a good metric for this discussion.  According to market cap Telsa is the largest automotive company in the US, but that is because it is expected to do well in the future by the investment community.  According to market cap what is reddit worth?


Double check with your broker, but if a series isn't open yet for trading, you can't trade it. If there is a series trading without open interest (rare), simply work your open, as options are created at trade. If you have enough money, do this https://money.stackexchange.com/questions/21839/list-of-cflex-2-0-brokers


From tax perspective, any income you earn for services performed while you're in the US is US-sourced. The location of the person paying you is of no consequence. From immigration law perspective, you cannot work for anyone other than your employer as listed on your I-20. So freelancing would be in violation of your visa, again - location of the customer is of no consequence.


The severity of wealth inequality- more so than its existence- is what I'm getting at when I talk about the Fed. The cantillon effect is a theory that essentially states that the first recipients of stimulus are far better off than those 2 or 3 degrees of separation later.  So if you look at Fed policies, where monetary stimulus is directed only towards the financial system and credit markets, certain parties will benefit disproportionately first before others later. In this case, that would be those employed by the industry (bankers, investors, etc), institutions in that industry (banks, hedge funds, pension/mutual funds), and owners of securities (the wealthy). Spillover effects impact the stock market, real estate, art, etc. and they are not a result of fundamentals, but rather of mis-allocated capital.  What I'm getting at is we don't need central planners (i.e. the Fed) to make decisions regarding the market for money - interest rates - or pursue dubious financial experiments at best to somehow fix problems that they themselves caused in the past (through extended low interest rate environments). Central banking could take a very serious hit if cryptocurrencies become mainstream- which I do not expect for a long time- but it's the best emergent challenger to the existing paradigm.


If you buy a gold brick and put it in a pillow, after one year you still have one gold brick. People may value it more than before or less then before, but it's still the one gold brick you had. If you buy a cow and put it on a pasture, after one year you have a fatter cow and plenty of milk. You now have more of the cow and milk you didn't have before. Now that's an investment.


"If you're looking for an analogy or exercise, I saw a personal finance show that had people climb stairs, with the debt as weight. Every flight of stairs more ""interest"" and loans to cover income gaps have to be added to the total debt they carry up the stairs. Can't find the video online though. But I think you need to ask your brother what he thinks his problem is, that will be solved with more loans. It's likely that your brother's problem can't be solved with advice. Since he's not spending rationally, rational arguments have no sway. I suspect he'll tell you his problem is one or two angry creditors, perhaps even ones you don't know about, rather than a fundamental imbalance between income and expenses. Robbing Peter to pay Paul, or moving weights from one backpack compartment to another, doesn't solve the underlying problems. Whatever you do, another loan from you should be off the table. He's an adult now, with problems the size of which you can't help with. We both know how his story ends: all creditors cut him off, and he's in court over garnished wages and creditors fighting over his assets. Reality is the only argument that will have any sway. He's far too personally invested in his scheme to admit defeat, which is why neither words not images nor moving pictures will help him with this learning disability."


Investopedia, Khan academy, Udemy, and corsea are good places to start. You tube has some good videos too. I imagine if you are looking to impress in a job interview you mostly want to know the concepts. Finance is all about future cash flow. Understand the important ratios and how they effect cash flow. Ronald Sweet has a good video on YouTube that sums up finance.


So basically, if you have a large savings account and are not investing... (because banks are actually a very poor way to get returns on capital), they will invest it for you...   The take home I'm getting is... invest your money, and leave it out of the banks.


"Sales tactics for permanent insurance policies can get pretty sleazy. Sending home a flier from school is a way for an insurance salesperson to get his/her message out to 800 families without any effort at all, and very little advertising cost (just a ream of paper and some toner). The biggest catchphrases used are the ""just pennies per day"" and ""in case they get (some devastating medical condition) and become uninsurable."" Sure, both are technically true, but are definitely used to trigger the grown ups' insecurities. Having said that (and having been in the financial business for a time, which included selling insurance policies), there is a place for insurance of children. A small amount can be used to offset the loss of income for the parents who may have to take extended time away from work to deal with the event of the loss of their child, and to deal with the costs of funeral and burial. Let's face it, the percentage of families who have a sufficiently large emergency fund is extremely small compared to the overall population. Personally, I have added a child rider to my own (term) insurance policies that covers any/all of my children. It does add some cost to my premiums, but it's a small cost on top of something that is already justifiably in place for myself. One other thing to be aware of: if you're in a group policy (any life insurance where you're automatically accepted without any underwriting process, like through a benefit at work, or some other club or association), the healthy members are subsidizing the unhealthy ones. If you're on the healthy side, you might consider foregoing that policy in favor of getting your own policy through an insurance company of your choice. If you're healthy, it will always be cheaper than the group coverage."


This answer will assume you know more math than most. An ideal case: For the point of argument, first consider the following admittedly incorrect assumptions: 1)  The prices of all assets in your investment universe are continuously differentiable functions of time. 2)  Investor R (for rebalance) continuously buys and sells in order to maintain a constant proportion of each of several investments in his portfolio. 3)  Investor P (for passive) starts with the same portfolio as R, but neither buys nor sells Then under the assumptions of no taxes or trading costs, it is a mathematical theorem that investor P's portfolio return fraction will be the weighted arithmetic mean of the return fractions of all the individual investments, whereas investor R will obtain the weighted geometric mean of the return fractions of the individual investments. It's also a theorem that the weighted arithmetic mean is ALWAYS greater than or equal to the weighted geometric mean, so regardless of what happens in the market (given the above assumptions) the passive investor P does at least as well as the rebalancing investor R.  P will do even better if taxes and trading costs are factored in. The real world:  Of course prices aren't continuously differentiable or even continuous, nor can you continuously trade.  (Indeed, under such assumptions the optimal investing strategy would be to sample the prices sufficiently rapidly to capture the derivatives and then to move all your assets to the stock increasing at the highest relative rate.  This crazy momentum trading would explosively destabilize the market and cause the assumptions to break.) The point of this is not to argue for or against rebalancing, but to point out that any argument for rebalancing which continues to hold under the above ideal assumptions is bogus.  (Many such arguments do.)  If a stockbroker standing to profit from commission pushes rebalancing on you with an argument that still holds under the above assumptions then he is profiting off of BS.


You need the Present Value, not Future Value formula for this. The loan amount or 1000 is paid/received now (not in the future). The formula is $ PMT = PV (r/n)(1+r/n)^{nt} / [(1+r/n)^{nt} - 1] $  See for example http://www.calculatorsoup.com/calculators/financial/loan-calculator.php With PV = 1000, r=0.07, n=12, t=3 we get PMT = 30.877 per month


Next year, the Fed plans on unwinding the Bonds and MBS.  They'll ramp up to $50 billion a month.  At the same time we'll be selling Bonds on the market to finance the debt at a rate of $70 billion a month.  I wonder who's going to have the cash to buy the Toxic MBS and the low yield Bonds they'll be unloading on top of the usual Bonds for future debt.  Those Bonds will have to pay double digit rates before anyone will buy them.  Future generations will just get even more screwed the way the Fed has it planned.


"Oh wow, well that's encouraging... I've had a professor of mine, one of the most successful in our school (PHD in economics, CFA, partner at an investment firm, among other things) describe the CFA as, ""6 agonizing hours of just not having enough time!""   We will see. Thanks for the replies."


What's the future of oil and its economic impact.  1. On one side, it's nice that some countries have decided to ban gas powered cars in 20 or so years along with the likes of Tesla and home solar power having some success.   2. But, we still need plastics and possibly a host of other chemicals produced from petroleum - so there will be demand, but of a smaller (?) or different kind.  3. There would be a huge upheaval (I imagine) in the industries in the current oil supply chains and also countries (Saudi Arabia for e.g.) and the global/ middle eastern politics too (?).


It's a good idea to have some emergency money so I would propose a plan that keeps some in your savings:  If the 0% goes away, then consider paying it off, but by that time hopefully you have built up your savings a bit more. Also consider the ability to move the balance from the 2% cards to the 0% one, if that is possible.


I would go see a Lawyer no matter what. It's a form of a scam your parents are doing. Make sure it's YOUR name only on the title of the building if it is, then you have a MAJOR case against them. This is a form of Equity scam, in where you aren't really going to make hardly any money. Once you pay them that money towards the loan legally their stake needs to decrease according to what you said. ABSOLUTELY CONSULT A LAWYER!


I'm a Senior Engineer at the top tech company in the world... I've been here since I graduated in 2010.  I still cannot afford to buy a decent house in any neighborhood within 20 miles of my workplace.  It's kind of disheartening imagining the kind of situation people who aren't as lucky as me job wise must be in.


First, you can look up the property tax of the building you are in for an exact number. Go to you town's tax office or look at Zillow. You need to claim the rent as income, but will take all expenses as well as depreciation on half the building. The numbers may well work in your favor, especially as a resident landlord. I still own a rental in the next state, but it's 2 hour away, so I'm paying pros to do the simplest things. On site, you can handle all maintenance and save that way.  If the cash flow looks like it's better than what you have right now, it might be time to buy. Without seeing the numbers I can't point out what you might be missing.


I mean its probably not set like that in a cynical sense, though yeah any time its coming from a private company it'll be as expensive as they think people can pay without losing their shit.   ps. things that are supposed to be human rights should just be on up to a certain amount. Obviously you don't want needless waste of resources so it'd be good to have some kind of overage fines.


"It's in the last paragraph after the video.  Frankly the whole article is less than objective. That's cool, I guess, they're entitled, but I only thought it silly to assert that McDonalds didn't succeed because the food is shit.  It's been shit for decades.  EVERYBODY KNOWS THIS.  I lived in Northern Spain in the nineties when my particular area got its first McDonalds.  Since I was the only American most people knew, we all went there for its inauguration, a little mini-event to have fun.  They pitted their Basque food against this McDonald's thing that was supposed to be so good.  I chuckled internally, because there is NO comparison.  McDonalds vs. a chuleta served during cider season or even a hamburger you make in your house?  Comeon. So anyway we all order Big Macs and afterward they all said in disgust, ""That was shit.  Why do you people eat this shit?""  Haha.    I told you it was shit.    Why do Americans eat it?  Right of passage for young males?  I don't know really.  Anyway, they all expressed their universal scorn, but the place was booming and continued to boom.  Sometimes people just like foreign different stuff once in a while, I guess."


Beside standard Swift (which may be registered and checked for money laundering) there are the money transfer companies (Western Union) and the electronic currencies like bitcoin.  Besides that is buying something very expensive (gold / diamonds) and sell them again a possibility to transport vast amount of value.


While I also like to strike back at the boomers who love to blame millennials, that's not actually what the article is saying. It's stating that the trend is moving away from their niche, and that's impacting their business, which is a completely valid and defensible hypothesis.


I suspect this is done at least in part in response to [this review by Edmunds](http://www.edmunds.com/tesla/model-s/2013/long-term-road-test/wrap-up.html) and a [similar one by Consumer Reports](http://www.consumerreports.org/cro/news/2014/08/consumer-reports-tesla-model-s-has-more-than-its-share-of-problems/index.htm) where they describe the number of problems Tesla had over 1 year of ownership.  Esp in the Edmunds review, if you scroll down part way down the article, you'll see the number of powertrain part replacements that were done; it's quite substantial.


My wife just got a Moto G off Amazon for [$80](http://www.amazon.com/Moto-Boost-Mobile-Prepaid-Phone/dp/B00HPP3VW2/) and is using it on Ting, which means if she keeps her mobile data usage down the phone should cost us about $10 - $15 a month.  It is an amazingly good phone for that price.