#####&#009;  ######&#009;  ####&#009;  [**Stagflation**](https://en.wikipedia.org/wiki/Stagflation): [](#sfw)   ---  >  >__Stagflation__, a [portmanteau](https://en.wikipedia.org/wiki/Portmanteau) of *[stagnation](https://en.wikipedia.org/wiki/Economic_stagnation)* and *[inflation](https://en.wikipedia.org/wiki/Inflation)*, is a term used in [economics](https://en.wikipedia.org/wiki/Economics) to describe a situation where the [inflation rate](https://en.wikipedia.org/wiki/Inflation_rate) is high, the economic growth rate slows down, and unemployment remains steadily high. It raises a dilemma for [economic policy](https://en.wikipedia.org/wiki/Economic_policy) since actions designed to lower inflation may exacerbate unemployment, and vice versa.  >The term is generally attributed to a British politician who became chancellor of the exchequer in 1970, [Iain Macleod](https://en.wikipedia.org/wiki/Iain_Macleod), who coined the phrase in his speech to [Parliament](https://en.wikipedia.org/wiki/Parliament_of_the_United_Kingdom) in 1965.       >Keynes didn't use the term, but some of his work refers to the conditions most would recognise as stagflation. In the version of [Keynesian macroeconomic theory](https://en.wikipedia.org/wiki/Keynesian_economics) which was dominant between the end of WWII and the late-1970s, inflation and recession were regarded as mutually exclusive, the relationship between the two being described by the [Phillips curve](https://en.wikipedia.org/wiki/Phillips_curve). Stagflation is very costly and difficult to eradicate once it starts, in human terms as well as in budget deficits.  >In the political arena, one measure of stagflation, termed the [Misery Index](https://en.wikipedia.org/wiki/Misery_index_(economics\)) (derived by the simple addition of the inflation rate to the unemployment rate), was used to swing presidential elections in the United States in 1976 and 1980.  >   >====  >[**Image**](https://i.imgur.com/NrpgJvM.png) [^(i)](https://commons.wikimedia.org/wiki/File:Gdpercapita.PNG)  ---  ^Interesting: [^Periods ^of ^stagflation ^in ^Pakistan](https://en.wikipedia.org/wiki/Periods_of_stagflation_in_Pakistan) ^| [^History ^of ^the ^United ^States ^\(1964–80)](https://en.wikipedia.org/wiki/History_of_the_United_States_\(1964%E2%80%9380\)) ^| [^1973–75 ^recession](https://en.wikipedia.org/wiki/1973%E2%80%9375_recession) ^| [^Milton ^Friedman](https://en.wikipedia.org/wiki/Milton_Friedman)   ^Parent ^commenter ^can [^toggle ^NSFW](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot NSFW toggle&message=%2Btoggle-nsfw+cjkxhkj) ^or[](#or) [^delete](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot Deletion&message=%2Bdelete+cjkxhkj)^. ^Will ^also ^delete ^on ^comment ^score ^of ^-1 ^or ^less. ^| [^(FAQs)](http://www.np.reddit.com/r/autowikibot/wiki/index) ^| [^Mods](http://www.np.reddit.com/r/autowikibot/comments/1x013o/for_moderators_switches_commands_and_css/) ^| [^Magic ^Words](http://www.np.reddit.com/r/autowikibot/comments/1ux484/ask_wikibot/)


You kind of have to take what the market is offering.  The easiest way would be for you to have a system by which you could purchase the entire business and then dispose of the FFE and other liabilities as part of the sale.  Then you could pick and choose which of the clients you want to add to your portfolio of clients and those you would release back to the market.  The valuation of the transaction is the trick.  Taking the new client and managing it profitably is presumably something you feel you are well-suited to do already.


You'll almost never be able to patent an app idea. When it comes to software you almost always just have to accept that others are going to be able to copy your idea, so to protect your business you have to do it either a) First, and well enough to lock in a first mover advantage or b) Better than others can  You haven't said if you're a coder or not, but generally if you can develop a MVP version of it before going to Kickstarter, that's much, much better. Almost no one is going to back a Kickstarter that just has an app idea.  After that, learn as much as you can about online marketing. Don't assume that just because you have a good idea the app will take off. Getting users is hard, very hard.


I'd suggest you keep putting money in your savings account and start investing after you land that first big job. As another answer mentioned, unless you're fortunate enough to have all of your tuition and living expenses paid for, an emergency fund is an invaluable tool for a college student. And the bigger the better. Your laptop gets stolen or your car's air conditioner (or heater) dies -- both of these things happened to me in college -- and it would have been a much bigger deal for me if I didn't have some money tucked away.


If I hold a bond then I have a debt asset. If I hold physical silver then I have a commodity asset. If I hold the stock of an individual company then I have an equity asset. Equities, commodities and debts are the three kinds of assets that a person can hold.  Edit: I forgot one other kind of asset; monetary asset. If I stuff my mattress with cash (USD) I am holding a monetary asset.  Short-term Treasury Bills really behave more like a monetary asset than a bond. So besides actual, physical, currency I would categorize T-bill as a monetary asset.  https://www.treasurydirect.gov/indiv/products/prod_tbills_glance.htm


"Seems like you are concerned with something called assignment risk. It's an inherent risk of selling options: you are giving somebody the right, but not the obligation, to sell to you 100 shares of GOOGL. Option buyers pay a premium to have that right - the extrinsic value. When they exercise the option, the option immediately disappears. Together with it, all the extrinsic value disappears. So, the lower the extrinsic value, the higher the assignment risk. Usually, option contracts that are very close to expiration (let's say, around 2 to 3 weeks to expiration or less) have significantly lower extrinsic value than longer option contracts. Also, generally speaking, the deeper ITM an option contract is, the lower extrinsic value it will have. So, to reduce assignment risk, I usually close out my option positions 1-2 weeks before expiration, especially the contracts that are deep in the money. edit: to make sure this is clear, based on a comment I've just seen on your question. To ""close out an options position"", you just have to create the ""opposite"" trade. So, if you sell a Put, you close that by buying back that exact same put. Just like stock: if you buy stock, you have a position; you close that position by selling the exact same stock, in the exact same amount. That's a very common thing to do with options. A post in Tradeking's forums, very old post, but with an interesting piece of data from the OCC, states that 35% of the options expire worthless, and 48% are bought or sold before expiration to close the position - only 17% of the contracts are actually exercised! (http://community.tradeking.com/members/optionsguy/blogs/11260-what-percentage-of-options-get-exercised) A few other things to keep in mind: certain stocks have ""mini options contracts"", that would correspond to a lot of 10 shares of stock. These contracts are usually not very liquid, though, so you might not get great prices when opening/closing positions you said in a comment, ""I cannot use this strategy to buy stocks like GOOGL""; if the reason is because 100*GOOGL is too much to fit in your buying power, that's a pretty big risk - the assignment could result in a margin call! if margin call is not really your concern, but your concern is more like the risk of holding 100 shares of GOOGL, you can help manage that by buying some lower strike Puts (that have smaller absolute delta than your Put), or selling some calls against your short put. Both strategies, while very different, will effectively reduce your delta exposure. You'd get 100 deltas from the 100 shares of GOOGL, but you'd get some negative deltas by holding the lower strike Put, or by writing the higher strike Call. So as the stock moves around, your account value would move less than the exposure equivalent to 100 shares of stock."


Sure. Download the hash list:   https://rapidshare.com/files/3253529642/combo_not.zip  Unzip and stick in your favourite text editor. Then go here:   http://hash.online-convert.com/sha1-generator    Stick your pw in that first box. Hit 'Calculate hash'. Take the first plain hex string in the green box and search for it in the hash list in your text editor.


English Speaking Course in Udaipur http://www.englishkranti.com/  English Kranti is an institute of English language situated in Udaipur Rajasthan India. This institute started by Mr. Deepesh Jain in 2006. We have been benefiting and Satisfying people in overcoming their problems regarding English communication. We are providing proper knowledge of English grammar and later on while Speaking or Writing uses this knowledge in proper way.


"I agree. But the whole argument justifying the tax breaks for the rich is that they are the ""job creators."" Giving poor people tax breaks and handouts is because they may often need them. There is no necessity to give them to the rich because they would do just fine anyways. But if they are job creators fueling the economy then the fatcat fucks in Congress can rationalize making sure their taxes and those of their contributors stay low."


Oh that's a good idea. Thank you. I also reached out to another guy that I know owns a talent hiring website and we'll see what he has to say. Thanks again man, this is the kind of stuff I come to Reddit for. Better than Google sometimes :-)


Seriously. Lately it seems like it's shrinking as well. Just last night I figured I'd pop on and watch a couple episodes of MASH, nope gone. Ok, maybe start another binge of Futurama, nope first 5 seasons are gone. Ok, fine I'll just go back and pick up on Bones, nope another one with the first 5 seasons gone. Oh but hey, there are a bunch of WW2 propaganda movies and stand up specials that were just added.


An ideal investment for a highly risk tolerant college grad with a background in software and programming, is a software company. That's because it's the kind of investment that you will be able to judge better than most other people, including yours truly. Hopefully, one day the software company for a highly risk tolerant investor will be your own.(Ask Bill Gates or even Michael Dell, although the latter was more involved in hardware.)


Mention your computer skills, organizational abilities, talk about the stress of waitressing and how you manage to stay cool and balance numerous tasks.   Talk about how you never forget small details, how you cqn juggle a lot of thoughts and stay organized. Reiterate your computer skills.  Mention any future finance coursework you may want to take.  And keep in mind he may very well be hoping you'll fuck him. Ive known a couple women who got into this exact situation, nothing too forward from the guy but when they were all professional they stopped getting hours.


"If you don't plan to stay in it, it is never good money to try to buy a house in a bad neighborhood. The question you want to be asking is probably ""Is it smart to buy this piece of real estate,"" not ""is it smart to buy a house in college.""  In this case, it's probably not smart because you won't actually have revenue from the property (you'll break even compared to renting), you may face some expensive repairs (water heater or other appliances going out, etc.), and you may find that your startup costs in things like lawn mowers, etc. is not worth the hassle (or cost of lawn service if you have someone else do it.) On top of that, can you get a loan with your proven income and assets? Don't forget to factor the cost of selling the house again into it -- and how long can you leave it on the market after you move out if it doesn't sell without going bankrupt yourself? In my opinion, it'd be a giant albatross around your neck."


"I think it will prove to be a futile attempt by Google BUT, I'm glad they are trying.  Competition is a good thing.  It will keep pushing Amazon to be better and better and not fall asleep at the wheel as so many ""monopolies"" end up doing.  I'm all in on Amazon:  AMZN stock, AWS, Amazon shopping, you name it!"


Is my observation that the currency exchange market is indirect correct? Is there a particular reason for this? Why isn't currency traded like stocks? I guess yes. In Stocks its pretty simple where the stock is held with a depository. Hence listing matching is simple and the exchange of money is via local clearing. Currency markets are more global and there is no one place where trades happen. There are multiple places where it happens and is loosely called Fx market place. Building a matching engine is also complex and confusing. If we go with your example of currency pair, matches would be difficult.  Say; If we were to say all transactions happen in USD say, and list every currency as item to be purchased or sold. I could put a trade Sell Trade for Quantity 100 Stock Code EUR at Price 1.13 [Price in USD]. So there has to be a buy at a price and we can match. Similarly we would have Stock Code for GBP, AUD, JPY, etc. Since not every thing would be USD based, say I need to convert GBP to EUR, I would have to have a different set of Base currency say GBP. So here the quantity would All currencies except GBP which would be price. Even then we have issues, someone using USD as base currency has quoted for Stock GBP. While someone else using GBP has quoted for Stock USD. Plus moving money internationally is expensive and doing this for small trades removes the advantages. The kind of guarantees required are difficult to achieve without established correspondence bank relationships. One heavily traded currency pair, the exchange for funds happens via CLS Bank.


"Can is fine, and other answered that. I'd suggest that you consider the ""should."" Does your employer offer a matched retirement account, typically a 401(k)? Are you depositing up to the match?  Do you have any higher interest short term debt, credit cards, car loan, student loan, etc?  Do you have 6 months worth of living expenses in liquid funds?  One point I like to beat a dead horse over is this - for most normal mortgages, the extra you pay goes to principal, but regardless of how much extra you pay, the next payment is still due next month. So it's possible that you are feeling pretty good that for 5 years you pay so much that you have just 10 left on the 30 year loan, but if you lose your job, you still risk losing the house to foreclosure. It's not like you can ask the bank for that money back.  If you are as disciplined as you sound, put the extra money aside, and only when you have well over the recommended 6 months, then make those prepayments if you choose.  To pull my comment to @MikeKale into my answer - I avoided this aspect of the discussion. But here I'll suggest that a 4% mortgage costs 3% after tax (in 25% bracket), and I'd bet cap gain rates will stay 15% for non-1%ers. So, with the break-even return of 3.5% (to return 3 after tax) and DVY yielding 3.33%, the questions becomes - do you think the DVY top yielders will be flat over the next 15 years? Any return over .17%/yr is profit. That said, the truly risk averse should heed the advise in original answer, then pre-pay. Update - when asked,in April 2012, the DVY I suggested as an example of an investment that beats the mortgage cost, traded at $56. It's now $83 and still yields 3.84%. To put numbers to this, a lump sum $100K would be worth $148K (this doesn't include dividends), and giving off $5700/yr in dividends for an after-tax $4800/yr. We happened to have a good 4 years, overall. The time horizon (15 years) makes the strategy low risk if one sticks to it."


"Fitting a description? Stop it. That's a gut feeling you have no evidence of.  Let's talk numbers.   She took home $76 a day from Popeyes without taxes. She currently only has one job, so let's operate on that.  She takes home $313 after taxes a week coming to $1278 per month.  She has two sons. Let's say she has a two bedroom apartment. The medium price for that in Missouri is $883. The article mentioned her son's were two bus rides away. She can't drive because she can't afford insurance. A monthly bus pass for one person in Kansas City is $50. After Taxes, Rent, and transportation she has $345. According to USDA, her two sons would need $348 for a month ""thrifty"" (lowest income) level food budget because they're 14 and 15. She's already broke after Food, Rent, and Transportation.   We haven't discussed utility or phone bills. Her children's transportation,Internet service, Clothing,Heat, or School supplies.   Are their larger issues at play that allow this to happen? Absolutely. However,  the minimum wage used to keep a family of three out of poverty. She's the head of a family of three and she's homeless. Her spending habits could've been better when she had two jobs. However, we don't know those, Her debt,  the percentage of her money that goes to health care or any ailments her children might have, but we do know she suffers from high blood pressure. Which the average black patient spends $887 a year on hypertension medication.   You're also completely disregarding that poor people can't do things in Bulk. It's more sensible to buy something that cost 0.15 per unit as opposed to 0.25 per unit. However, if you can't afford the bulk item, you're stuck buying the one with less value.   Her house was condemned. She had to move. Signing a lease usually requires The First Month, Last month, and security deposit. If we're operating on the median rent, we're asking her to come up with close to 2700 dollars in a day.   Do I think we should have a nation $15.00 Minimum wage? no. Do I think minimum wage should be based on average cost of living and median housing in states/large cities? Yes.  Sources:   https://www.cnpp.usda.gov/sites/default/files/usda_food_plans_cost_of_food/CostofFoodJul2014.pdf  https://www.cbsnews.com/news/most-americans-cant-handle-a-500-surprise-bill/  http://piperreport.com/blog/2013/05/13/health-care-spending-hypertension-cost-high-blood-pressure/  http://store.kcata.org/31daypass.php  /u/philosoraptor1000 it's not just personal responsibility. The cost of living has skyrocketed. The minimum wage hasn't. Your sarcasm is trash too.   /u/thewaywardsaint This sub has become a joke because users like you spew trash, condescending, opinions instead of voicing your opinion using facts, concepts and numbers."


I have the mortgage from Lender A. Can I get a HELOC from Lender B? Yes. Do banks pull my credit to approve a HELOC account? Yes. How is it reported to the credit bureaus and how does it affect my credit (Let's say my limit is $30k and I use all of $30k)?  It is reported as HELOC and the current balance. Similar to credit cards (in fact, some banks report it exactly as credit cards). Anything unique about it's tax deduction? Same as mortgage, except that the limit is $100K unless used for home improvement. Anything else to watch out for? LTV - Loan to Value. This is the ratio of your overall home value to the indebtedness secured by the home. Currently, your LTV is 93% (you have 7% equity). For HELOC, most banks require the LTV, including the HELOC, not to exceed 75%. So the chances you'll get a HELOC are pretty slim.


Republican voters need to stop thinking that the GOP supports small business. In fact they dont, they work agressively to margnialize small business because small businesses dont have the political clout that large multinationals do. What happens in this scenario? You the small busienss owner end up subdiziding the cost of big business in the form of higher taxes while big corporations get away scot free. Stop believing that the GOP wants to help small business when the GOP has supported every pro-monpolization and pro-consolidation law for the past 90 years. I sympathize with workers who do personal care, other kinds of jobs where they really are at the mercy of the market, where making smart decisions that negatively impact employees is often a choice between staying in business or not.


Other than the capitalist owner/slave wage deal the Libertarians (US political party Austrian-market wingnuts, not social libertarians in general) so zealously defend.  Face it, nobody who has a boss is free and no system in which bosses may exist is one to aspire to. This is the core of libertarian philosophy. To declare that libertarian logic doesn't include full freedom in the workplace is to declare that liberty doesn't apply to the worker.  If you're a submissive or a dominant, fine, no problem with you as a person. Just keep your fetish to your bedroom, not our workplace nor our neighborhood nor our planet.


Your business is a big part of your life, and you want to be certain that you’re doing as much as possible to keep it looking sharp and ready to go. Our commercial painting services in Vancouver could be just what you’re looking for. Give us a call and we can work something out so that your business looks as good as new!  http://barwickpainting.com/commercial/


you asked for strategies which use deep in the money options:  dividend mispricing can use deep in the money options, basically its an arbitrage play on ex-dividend dates. and any kind of spread can use deep in the money options, depending on how wide you want your spread to be


when weed is no longer a crime to grow, nobody will pay for it, but instead they will have a couple of plants growing in the kitchen window..  tobacco is a hideous drain upon the economy, not the other way around.


"I was rooting for the cancer. If you can't figure out by 30 that basic decency not only is intrinsically good, but is also in your own self interest you don't deserve the basic respect of others.  Shitty humans do more damage to the planet on a day to day basis than any ""genius"" does good.   This stupid prick took an existing technology, dumbed it down to attract the stupid, and prettied it up to attract the narcissistic.  You venn diagram the stupid and the narcissists on this planet and you'll see how it wasn't rocket science."


Nice try at drumming up drama for your shitty blog article, cnn blogger. I see you managed to quote me out of context and without opportunity to rebuttal. Also, as usual with cnn, you're about a week late.    Yawn.


So I'm not an expert regarding this topic, but the languages i have heard thrown around are  vba (excel), R, stata and python.  Out of these, I think python is the base foundation and then Vba for excel.   Whatever you do, research into these fields. For example, I use to think IB was the end goal without even knowing wtf they do, everyone just kept on talking about. They are just high powered salesman. Also, sadly the truth is if you aren't from a prestigious school high finance is out of the question. Don't waste your time. Also, don't think it's something you are missing out on. Their lives suck was from what I hear and plenty of money can be made elsewhere.   My friend went to cal, got into boutique Ib, he quit after a few years stating his life was miserable. Fuck that. As an economics major you will find out that happiness is important.   Spend your time wisely. Career choice is a big decision.


Supply and demand... It creates an equilibrium.   Right now there is a food surplus so prices and production should go down.   If there is a food shortage... Prices should be allowed to go up which will create money-making opportunities and food production will increase.  The Communist types of US agriculture policies don't fix pricing, supply or demand issues.   Being able to produce agriculture products below cost creates a surplus that winds up getting dumped on other countries.   Government subsidy corn from the US has decimated the agriculture industries in countries that don't subsidize agriculture like Mexico.   Our communist types of agriculture policies hurt WAY more farmers than they help.


Houses are larger, but also more expensive.  There are several things that people in 1979 didn't have that now are considered utilities: internet, cable, and cell service.  Essentially what the author is saying, I think, is that wages have been replaced in part by provided services, whether we want or need them, or not.  And the cost of living has been augmented by increased product utility; we pay more for our vehicles, for instance, but they are safer, more efficient, last longer, and have more goodies.  Essentially, what the Cato institute is saying is that we should ignore what we are being paid, and just be happy with all the gadgets we can get on the cheap, and the services that are provided for us.


"While I personally find multi-camera comedies extremely unappealing, shows like The Big Bang Theory are one of the most popular in the country.  Netflix is probably trying to tap into that market.  At the very least, I can see those comedies being relatively cheap and drawing enough viewers to be ""profitable"" in Netflix's eyes."


If you are thinking to buy the Rolex watches in Dubai, then there is one of a trustworthy online shop, i.e. “Mamiya Diamonds”. We cater all the luxury watches of a wide variety of brands, in which all types are included, i.e. new and second hand.


The value of a foreign stock is subject to fluctuations in the foreign currency value; this is not the case for domestic stocks.


We can't know the future, of course, but we know that on average it's better to invest a lump sum. We can look at some periods of recent history to get a sense of the difference between a lump sum 450k investment and maybe say 5 years of 90k. Using S&P 500 return rates, let's say you started investing on Jan 1, 2008: Here, spreading your investing over 5 years earns you an extra $163k.  Starting a year later, the same strategy would earn you $327k less than a lump investment: I looked at some other periods, but the story doesn't change from what we already knew; you can reduce risk of losing a big chunk due to a bad year, but it comes at the cost of potential gains. Perhaps you could make a killing by waiting for the next down-turn and buying on the cheap, or maybe you'll just be wasting time and money as the market enjoys sustained growth. I'd go with a lump, trusting the averages; but you're right, another 2008 with no recovery would suck. As for holding $50k back it depends primarily on your monthly budget, many people suggest a 3-8 month liquid emergency fund, I like 6 months. Go with what you're comfortable with.


From a purely financial standpoint, you should invest using whatever dollars get you the best rate. The general rule of thumb that I've come across is that if you are making another person/company change your money into another nation's currency, they will likely charge a higher exchange rate than you could get yourself. However, it really depends on your situation, how easy it is for you to exchange money, what your exchange rate is, and what your broker is charging you to exchange to USD (if on the off chance this is truly nothing, then stick with CAD). Don't worry about the strength of the USD to CAD too much because converting your money before you make purchases doesn't allow you to buy more shares. For the vast majority of people, trying to work with national currency exchange rates makes things unnecessarily complex.


If you're so passionate about it you should have brought the case initially. If you hate the attorneys fees you should have gone to law school for 3 years (borrowed $150k to do it) then passed the bar and litigated this suit yourself with your own $2 million to fund it.


This even happens in union environments.  I work for a company that is heavily unionized and company seniority is all that matters.  If there isn't enough work for a full timer to do, he is allowed to bump two part timers out of their hours for the day.  When the economy really tanked a few years ago, we had guys with three or four years of seniority who were getting bumped out of their hours regularly because our volume was way down.  Newer hires weren't getting any hours at all because they were at the bottom of the seniority list.


Insiders are prevented from buying or selling shares except at certain periods right after information is disclosed publicly. But. People have bills to pay and kids to put through college and whatnot. So an insider can set up a plan where shares are sold on a specific schedule and they have no control over number of shares or timing. These plans (covered under rule 10b5-1) allow insiders to generate cash flow without immoderately benefiting from their inside information. Sales under these plans can mostly be ignored when trying to figure out the fortunes of a company from insider trades.


"Some banks allow mint.com read-only access via a separate ""access code"" that a customer can create.  This would still allow an attacker to find out how much money you have and transaction details, and may have knowledge of some other information (your account number perhaps, your address, etc). The problem with even this read-only access is that many banks also allow users at other banks to set up a direct debit authorization which allows withdrawals.  And to set the direct debit link up, the main hurdle is to be able to correctly identify the dates and amounts of two small test deposit transactions, which could be done with just read-only access. Most banks only support a single full access password per account, and there you have a bigger potential risk of actual fraudulent activity. But if you discover such activity and report it in a timely manner, you should be refunded. Make sure to check your account frequently. Also make sure to change your passwords once in a while."


The underlying investment is usually somewhat independent of your mortgage, since it encompasses a bundle of mortgages, and not only yours. It works similarly to a fund. When, you pay off the old mortgage while re-financing, the fund receives the outstanding debt in from of cash, which can be used to buy new mortgages.


Interest payments You can make loans to people and collect interest.


It's a little extra hassle come tax-time if you have a distribution to account for, as you'd be required to file Form 8606. If you pay for tax-preparation the extra fees could easily wipe out any interest earned.  Roth IRA savings accounts don't seem to earn much interest, so while you could come out slightly ahead with this approach, I don't think it's worth it. I prefer to keep a portion of my emergency fund in an online savings account (0.75% interest), and another portion in CD's (2.10% interest) through the same bank.


"I'm a big fan of modern nuclear, but I'm happy to see obsolete PWR projects die.  The thing to keep in mind is that today's commercial nuclear technology is using the old razor/blade business model. The ""blades"" they sell are pre-cast fuel rods, which are exactly the thing which causes the nuclear waste issue.  Better reactor designs don't work that way - which should make them cheaper to run but require a new business model to get them built."


"Massaging statistical data is an art form.  Probably the most common tactic to manipulate without manipulating is to not measure something that is not immediately connected to the stat, but is absolutely influencing it.  Then there is scope manipulation (we see this with the wage gap stats) where data will be purposely aggregated at a level outside of the scope.  My pet peeve with national stats is when people will compare data collected in the US where we regulate thoroughly to data collected in a country like China where they live by the mantra ""if you are not cheating then you are not trying"".  Education stats for instance that always make us look bad when we absolutely know the Chinese are padding like crazy."


So I did some queries on Google Scholar, and the term of art academics seem to use is target date fund. I notice divided opinions among academics on the matter. W. Pfau gave a nice set of citations of papers with which he disagrees, so I'll start with them. In 1969, Paul Sameulson published the paper Lifetime Portfolio Selection By Dynamic Stochaistic Programming, which found that there's no mathematical foundation for an age based risk tolerance. There seems to be a fundamental quibble relating to present value of future wages; if they are stable and uncorrelated with the market, one analysis suggests the optimal lifecycle investment should start at roughly 300 percent of your portfolio in stocks (via crazy borrowing). Other people point out that if your wages are correlated with stock returns, allocations to stock as low as 20 percent might be optimal. So theory isn't helping much. Perhaps with the advent of computers we can find some kind of empirical data. Robert Shiller authored a study on lifecycle funds when they were proposed for personal Social Security accounts. Lifecycle strategies fare poorly in his historical simulation: Moreover, with these life cycle portfolios, relatively little is contributed when the allocation to stocks is high, since earnings are relatively low in the younger years. Workers contribute only a little to stocks, and do not enjoy a strong effect of   compounding, since the proceeds of the early investments are taken out of the stock   market as time goes on. Basu and Drew follow up on that assertion with a set of lifecycle strategies and their contrarian counterparts: whereas a the lifecycle plan starts high stock exposure and trails off near retirement, the contrarian ones will invest in bonds and cash early in life and move to stocks after a few years. They show that contrarian strategies have higher average returns, even at the low 25th percentile of returns. It's only at the bottom 5 or 10 percent where this is reversed. One problem with these empirical studies is isolating the effect of the glide path from rebalancing. It could be that a simple fixed allocation works plenty fine, and that selling winners and doubling down on losers is the fundamental driver of returns. Schleef and Eisinger compare lifecycle strategy with a number of fixed asset allocation schemes in Monte Carlo simulations and conclude that a 70% equity, 30% long term corp bonds does as well as all of the lifecycle funds. Finally, the earlier W Pfau paper offers a Monte Carlo simulation similar to Schleef and Eisinger, and runs final portfolio values through a utility function designed to calculate diminishing returns to more money. This seems like a good point, as the risk of your portfolio isn't all or nothing, but your first dollar is more valuable than your millionth. Pfau finds that for some risk-aversion coefficients, lifecycles offer greater utility than portfolios with fixed allocations. And Pfau does note that applying their strategies to the historical record makes a strong recommendation for 100 percent stocks in all but 5 years from 1940-2011. So maybe the best retirement allocation is good old low cost S&P index funds!


You're realizing the perils of using a DCF analysis.  At best, you can use them to get a range of possible values and use them as a heuristic, but you'll probably find it difficult to generate a realistic estimate that is significantly different than where the price is already.


We constantly hear that there are not enough trades-people to fill manufacturing roles. This is what happens when you offshore everything possible for the last 30 years. No one wants to go into a trade that will be offshored plus there are too few of those positions to apprentice in. Stop the boo-hooing big business, man-up and invest in some of your fellow citizens.


"That was just one example, there are other things that could be implemented. Some countries, like the UK, have different wages for lower age groups. So your example could have an under 21 or an ""under 24"" wage, unless married or legally emancipated like with the FAFSA. Or we could expand the work-study program so that students can get jobs and employers pay part of the salary and taxes covers some.   Or there's a limit on the number of employees that can be considered on apprenticeship at any given time. There are lots of ways to address things.   We already have various rules that have exceptions for different industries. Farmhand wages, tipped workers, etc. There could be other options."


"Sounds like a bitter douchebag who got passed over by some awesome bootstrappers.  Wait, what?   Now seriously - you know what that polemic of mine was about? Reaching people. Shaking them up. And it's done a far better job than any ""reasonable"" essay could.   EDIT: I didn't ask anyone to vote on anything, FYI. And thanks for the compliments. But I would like to see numbers on your ""higher probability for success"" from venture capital."


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Don't try individual stocks. If you have a job, any job, even one from mowing lawns, you can open a Roth IRA. If you are under 18 you will need your parents/guardian to setting up the account. You can put the an amount equal to your earned income into the Roth IRA, up to the annual maximum of $5500. There are advantages to a Roth IRA:  What happens if you are using your income to pay for your car, insurance, etc? You can get the money from your parents, grandparents. The only rule is that you can't invest more than you have earned. Act before Tax day (April 15th). You know what you made last year. If you open the account and make the contribution before April 15th it can count for last year, as long as you are clear with the broker/bank when you make the deposit.


"1.Why is there no ""United States Treasury"" endorsement? Why should there be, and what do you think it would look like? Some person at Treasury sitting at a desk all day signing ""Uncle Sam""? At most you would expect to see some stamp, because it's clear that no person is going to sign all of these checks. 2.Can I have the check returned for proper endorsement? No, this is none of your business unless you have some serious reason to believe that someone other than the treasury cashed your check. (If that were really your concern, then you'd have a bigger issue than the endorsement.) 3.If I am required to endorse checks made out to me, why isn't the US Treasury? As others have noted, an endorsement is often not required as long as the name on the check matches a name on the account to which it is deposited.  Individual banks may have stricter rules, but that's between you and your bank."


From a quick google, apparently 5% of government contracts need to go to women- or minority-owned small businesses, with another 18% going to small businesses more generally.   If your company was bumped, it was b/c they were on the bubble in terms of quality/price, and inevitably the only reason were able to contract in years prior was b/c of the rules discriminating against large businesses over small businesses.  The more concerning take away in all of this, is how on earth is it a struggle to hit the 5% target without any sort of affirmative action intervention.  A bit of an eye-opener on the extent of systemic racism / inequality of opportunity that exists today.  We really should be doing more to support minority owned businesses, and more importantly addressing the apparently inequity in opportunity in our business culture.


Agreed.  The number of capable people who are either unemployed and/or willing to work for less in the world is a few multiples of the entire USA population.    The USA really doesn't need more workers because they cannot compete with the rest of the world.  Unfettered world wide trade might be good for the world, but it is not so good for the bottom 50%-30% of the USA.    Something about concentrated costs and diffuse benefits.


"There is no doubt that this is a scam (you ask a British solicitor for help with this sort of problem, not an American friend) but it's not as obvious as some answers seem to assume. Inheritance taxes always have to be paid before legacies can be received, and the funds are part of the estate not ""in the hands of the government"". There are certainly ways round the problem (which vary by country), but if the facts were as the asker sets out, this would be a reasonable request. You can bet they aren't and it isn't."


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Only if you sell the stock in question, and use the proceeds to buy other stock. (You should probably never feel bad about selling your company stock, even if it goes up a lot later, because from a risk-exposure basis you are already exposed to your company's performance through your career. Unless you have a lot of other savings, you should diversify.)


>giving students 1 trilion to pay off all student loans isn't inflationary, it would be deflationary  No. If you have to print money out of thin air and letting it circulate in the economy then you are expanding the money supply (inflation). It would have to contract the money supply to be deflation. Even if the money is being spent on student loan payments it is still circulating in the economy, provided the recipients of the loans (banks or government depending) use it later.  Debt was created out of thin air. Sure. But debt is not money so it has nothing to do with inflation or deflation. It can be paid back over long periods of time (in the case of student loans 35 years). The government could pay students back over the course of 50 years to reduce the debt burden for them, but it would hardly be getting the same amount back in tax revenue. The government gives someone $1,000 and they spend it all, you might generate a couple hundred dollars in taxes over the course of the year if that money keeps changing hands.  This solution is not feasible. Those in Occupy need to come up with something more realistic.


To be fair, Trump doesn't wear a hairpiece.  It is, in fact, his real hair.  That's why it looks so hideous - it's a combover.  With his money, if he wanted to buy fake hair it would look a heckofalot better than that.


If you are married filing separately, you need to choose the same type of deduction (standard or itemized) as your spouse. Since you checked the box on line 23b, you indicated that your spouse chose the standard deduction, so you must use the standard deduction also.  The standard deduction for married filing separately this year is $6300, but because you checked one of the boxes for yourself in 23a, you get to add another $1250 to your standard deduction, for a total deduction of $7550. This number belongs in line 24.


"once again: the problems you have commented about (i.e. decline of UK manufacturing and foreign policy) and your very crude version of historical causality, combined with the policy conclusions you have suggested (the need for common immigration and policy regime with the US) suggest to me that either you haven't quite grasped post-war euopean history, or you've ventured into the realm of conspiracy theory.   PS: ""when they're charismatically explained in such a systematic and specific way"" is not a phrase commonly used in english. explain what you mean by that, please."


I like this part:  >Because insurance companies are required to take all applicants, healthy people (especially the young) would be wise to pay the penalty rather than buy the insurance. This makes the pool of insured individuals sicker and more costly, on average, and their premiums will higher. With higher premiums, more people will choose to pay the penalty, and a downward spiral will unfold.  Which is the exact opposite of reality.  If you have more people in an insurance pool, premium costs go down, which is the whole point of the individual mandate.  It's like they're trying to scare people to not buy health insurance and waste it on a fine instead.  Real nice.


Yes, it's a simple calculation. (x+0.0625x)=200 or x=200/1.0625 = $188.24 Technically $188.24 plus tax comes to $200.01. I would just eat the extra $0.01.


As mentioned in the comments, there are costs associated with owning & living in an apartment. First you have to pay maintenance charges on a monthly basis and perhaps also property tax. Find out the overall outgoings when you live in that apartment & add the EMI payments to the bank, it should not be way higher than your current rent. As an advantage you are getting an asset when you buy an apartment & rent is a complete loss, ast least financial terms. So, real estate is in general a good idea over paying rent. As for the loan part, personal loans are by far the most expensive of loans as they are in general unsecured loans (but do check with your bank). One way is to try and get a student loan, which should be cheaper. If you can borrow from family that is the best option, you could return the money with perhaps bank fixed deposit rates, it is better to pay family interest than bank. If none of the options are workable, then personal loan is something you need to look at with a clear goal to pay it off as soon as possible and try to take it in stages, as an when you require it and if possible avoid taking all the 15,000/- at once.


"This is the kind of scenario addressed by Reddit's /r/personalfinance Prime Directive, or ""I have $X, what should I do with it?"" It follows a fairly linear flowchart for personal spending beginning with a budget and essential costs. The gist of the flowchart is to cover your most immediate costs and risks first, while also maximizing your benefits. It sounds like you would fall somewhere around steps 1 and 3. (Step 2 won't apply since this is not pretax income.) If you don't already have at least $1000 reserved in an emergency fund, that's a great place to start. After that, you'll want to use the rest to pay down your debt. Your credit card debt is very high interest and should be treated as a financial emergency. Besides the balance of your gift, you may want to throw whatever other funds you have saved beyond one month's expenses at this problem. As far as which card, since you have multiple debts you're faced with the classic choice of which payoff method to use: snowball (lowest balance first) or avalanche (highest interest rate first). Avalanche is more financially optimal but less immediately gratifying. Personally, since your 26% APR debt is so large and so high interest, I would recommend focusing every available penny on that card until it is paid off, and then never use it again. Again, per the flowchart, that means using everything left over after steps 0-2 are fulfilled."


This depends on the loan calculation methodology. If it is on reducing balance then yes. Else not much difference


I'm 50ish: still play video games and just recently started needed power naps.    Getting stuff done, automation and other work is really the only thing that provides satisfaction.  I volunteer to teach kids coding and help neighborhood kids with mechanical stuff.   Never was big on going out.    Taking a vacation to a white sandy beach would drive me nuts after about six hours.  My vacations seem to look a lot like work too :)


Factors to consider: For the taxable investments:


You want to regard loans as short-term, last-ditch, desperate effort for when you get caught in a bad spot and have a good, workable plan to get out of it.  You don't ever want to start a business on borrowed money, unless you're an expert in the field of your business with a lot of experience in running businesses in that sector.    The best thing to do is to get a job and save all your money to start a business that will make you enough money to start the business you really want.  You may need to start a business to get the money to start a business to get the money to start a business to get the money to start the business you want.  Whatever it takes, really.  Just do it all yourself.  Don't accept loans or favors.  Also, the whole world (except Amazon) is moving from brick-and-mortar to the internet, and you're trying to move internet sales to brick-and-mortar.  It's a little backward-looking.  It could work, but there's probably some research you could do to test the feasibility of this idea.  You need to be creative in designing effective, science-based ways to predict your success or failure.  Don't worry about licensing issues with wholesalers.  That's not something to be worried about, at this point.


>I want a guy who has spent 20 years in such a blue-collar job to be able to earn as much as a computer programmer who only graduated a couple of years ago.  So you want low skill jobs to pay more than high skill jobs based solely on seniority. Do some research into the Italian or Spanish economy. That's pretty much what you advocate. It's a terrible idea that would probably destroy the US economy.


Are you being willfully obtuse? Of course you can do both. However, had you never been taxed you'd have that same money to spend as you see fit, such as giving it to charity. Mind blowing right?   Oh so you know how to spend that money better huh? Maybe I say I know how to spend your money better than you. Fuck your charity for down syndrome. People with prostate cancer need it more. Here's your tax bill :)


I didn't vote one way or another.  But this passes for analysis?   It seems like a bunch of childish name-calling.  >  mainstream media propaganda ... talking head breathlessly ... Wall Street oil analysts ... paid hundreds of thousands of dollars ... paraded on CNBC ... episode of a never ending reality show ... sedated ... brainless twits ... corporate mainstream media ... promoting the storyline of those in power  ... government drones   Edit: above is from the opening paragraph.


"There's a subtle difference. An MLM is allowed/legal if you can buy products at price A from the company and re-sell them at higher price B to your customers. Pyramid schemes almost always disguise themselves as MLM's. In Herbalife's new report they said they met the FTC's guidelines of earning at least 80% of their revenues from ""real customers outside of their distributor network"". In fact they said the number is closer to 90%. I find this particularly interesting because this number was real close to 0% less than a year ago and it magically has surpassed 80% in a short amount of time. Doesn't really add up."


Long term gains are taxed at 15% maximum.  Losses, up to the $3K/yr you cited, can offset ordinary income, so 25% or higher, depending on your income. Better to take the loss that way. With my usual disclaimer: Do not let the tax tail wag the investing dog.


It really confuses me how businesses and politicians fail to see how much of a problem this is, even beyond issues is social inequality. An economy in which the middle class is earning less is an economy with less growth potential.   When a company is squeezing employee wages, on par with other businesses, the end result is a smaller pie for them to carve out. The look at their immediate bottom line in which the weight if wages has gone down, but fail to see that they have weakened the market (for broad-based, community serving markets, at least), and so are shrinking demand.   Even if you assume that only 80% of those $93 Billion are for low and middle class wages, that is still $74 billion less demand.   For decades we've heard that the middle class is what fuels the economy, yet the fact that the wages if the middle class are waning are seen as trivial and nothing to worry about...


I don't have a business relationship with Hire.Bid, I just use it to get extra money whenever I am free, so I thought I could share it in the case someone else is interested. If you know any other app like this, feel free to share it, maybe I can use it too.  For GiftBac, I wanted to find out if anyone used it before and let me know if it is trustable. About PinkApp, I wanted to know people's thoughts about it to see if it was worth investing in. For now, I am looking for more ways to make money.


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I get the feeling the value of reddit is not presented as something that makes profit, but rather an entity that can shape public opinion. In that way it is extremely valuable. The fact that mods are clearly paid by someone yet not officially employed by Reddit is a huge red flag that money is flowing, just not in the traditional ways.


This is an all too common problem and is not easy to resolve. Divorce agreements do not alter prior mortgage contracts. Most importantly, the bank is not required, and will not normally, remove the girlfriend from the mortgage even if she quitclaimed it to her Ex. If he has abandoned the property there is a good chance he will not make any more future payments. She should be prepared to make the payments if he doesn't or expect her credit to continue to deteriorate rapidly. She needs to contact her divorce attorney to review their mutual obligations. A court can issue orders to try to force the Ex to fulfill the divorce agreement.  However, a court cannot impose a change to the mortgage obligations the borrowers made to the bank. Focus on this. It's far more important than adding her to a car loan or credit card. Sorry for the bad news. As for the car loan, it's best to leave her off the loan. You will get better terms without her as a joint owner. You can add her as an additional driver for insurance purposes. Adding her to your credit cards will help her credit but not a lot if the mortgage goes to default or foreclosure.


To be honest, all they do is reformat and rehost content from other sources.  While that's 80% (or more) of the internet, it isn't like they're providing unique content.  Add to that that they game the system to increase their page views and they're offering no benefits while still abusing the system.


> cough cough blockbuster  Blockbuster was ten thousand little independent franchise companies that rented videos to individuals at the strip mall.  The franchises paid dues to Blockbuster Corporate for advertising and marketing.  Essentially, Corporate was the franchise Union.  If your Union/Corporate was going to cut all the employees/franchises out of all the revenue and business (streaming like Netflix) then there would be problems.  The only choice was for Blockbuster to go out business, otherwise, they would have had to buy back all the franchises at full retail value and pay future profits.  It was cheaper to close them down, have the execs take their bonuses and wave at Netflix.


For the same reason you wanted it when you bought it. No-one guarantees that you'll be able to sell the stock you hold, and in fact many people get stuck with stocks they'd like to sell, but no-one is buying. But if investors think there's a profit potential that is not exhausted yet - they'll want to buy the stock.


It appears so. I suppose you could try saying that you don't want to pay for it and won't have Internet installed, but that could be detrimental to your career. There is no law that says your company has to pay for your Internet unless you have some kind of contract with them that says you will. If anything, your best option might be to try to claim it is a business expense and deduct it on your taxes.


No, SPDR ETFs are not a good fit for a novice investor with a low level of financial literacy.  In fact, there is no investment that is safe for an absolute beginner, not even a savings account.  (An absolute beginner could easily overdraw his savings account, leading to fees and collections.) I would say that an investment becomes a good fit for an investor as soon as said investor understands how the investment works.  A savings account at a bank or credit union is fairly easy to understand and is therefore a suitable place to hold money after a few hours to a day of research.  (Even after 0 hours of research, however, a savings account is still better than a sock drawer.) Money market accounts (through a bank), certificates of deposit (through a bank), and money market mutual funds (through a mutual fund provider) are probably the next easiest thing to understand.  This could take a few hours to a few weeks of research depending on the learner. Equities, corporate bonds, and government bonds are another step up in complexity, and could take weeks or months of schooling to understand well enough to try.  Equity or bond mutual funds -- or the ETF versions of those, which is what you asked about -- are another level after that. Also important to understand along the way are the financial institutions and market infrastructure that exist to provide these products:  banks, credit unions, public corporations, brokerages, stock exchanges, bond exchanges, mutual fund providers, ETF providers, etc.


"According to this link http://taxes.lovetoknow.com/federal-income-tax/w9-tax-form: The very last line on the personal information section refers to ""account numbers."" Here, the taxpayer lists any accounts they have with the IRS to pay back taxes or pre-payments for anticipated tax liability obligations. This information is optional and is inapplicable in many situations."


Honestly I've found that when a restaurant messes up an order, it is almost always because the cashier messed up.  So if restaurants implement touch pad ordering, and then the food preparer reads directly what I ordered, it is almost always made correctly.    I love online ordering.


I cannot emphasize enough how important it is, when you buy a house with someone you are not married to, to make a legal agreement on how the money should be divided when you sell. I know it's too late for you, but I write this for anyone else reading this answer. From a legal point of view, if you made no agreement otherwise, you each own 50% of the house. If you want to divide it any other way, you will have to agree what an appropriate division is. Dividing according to the amount each of you paid towards it is a good way. Decide for yourselves if that means just mortgage payments, or also taxes, repairs, utilities etc. You should also be aware that if you have been living together a long time, like more than a year, some jurisdictions will allow one party to sue the other as if they were getting divorced. Then the courts would be involved in the division of property.


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In view of business, we have to book the entries. Business view, owner and business are different. When capital is invested in business by owner, in future business has to repay it.  That's why, capital always credit. When we come about  bank (business prospective) - cash, bank, fd are like assets which can help in the business. Bank is current asset (Real account) - Debit (what comes into the business)                                        Credit (what goes out of the business) Hence credit and debit differs from what type of account is it.... credit - when business liables debit - what business has and receivables


"Yeah, I mean it's natural economics that jobs go to low-wage countries, so I guess I can't be ""mad"" at that. But in addition, there's also a ""shift"" in debt from what was usually mortgages to student loan debt. It's not good because you're no longer ""paying yourself"" as you did with a mortgage, so money just gets burned...*and* you can't shed that debt...ever.   People frame it like a ""bubble"" but it's more like a long-term hamper on consumer spending. IMO, if the fed wants to help the economy, THIS would be the most effective bailout for lifting long-term growth. I don't have any student debt and I still think this is probably one of the better answers."


Companies are expected to make a profit, otherwise there is no point to their existence and no motivation for investment. That profit comes back to shareholders as growth and/or dividend. If a company is doing well and has a healthy profit to turn back into investment to facilitate increased future earnings, it increases shareholder equity and share price. If a company is doing well and has a healthy profit to pay out in dividend, it makes the shares more attractive to investors which pushes the price up. Either way, shares go up. Share prices drop when companies lose money, or there are market disturbances affecting all companies (recessions), or when individual companies fail. Averaged over all companies over the long term (decades), stocks can be reasonably expected to go up.


> How has he made the business environment here attractive to Foxcon?   for one thing, Trump is PRO business, PRO jobs, PRO America  **the exact opposite of Obama** who spent all his time piling on taxes, [regulations and restrictions](http://www.washingtontimes.com/news/2017/may/31/obamas-regulations-in-2016-to-drain-economy-by-2-t/).  The world sees America is now re-opened for business


">would there be enough buyers to sell them?  yes, but you wouldnt sell them because (hopefully) you have studied what bitcoin is (a network for payments/value rather than a ""coin"").  learn today, and maybe profit in future and change the world :)  https://www.youtube.com/watch?v=qkxdys-Ek9U"


First, to answer the question.  The benefit of a 401k is that you don't have to pay income tax on the money contributed nor do you pay capital gains tax on the money that accumulates.  You get that with the restriction that you can't willy nilly remove and contribute money to the account (and you are taxed on withdrawals, more severely if you do it before you are 65).  Similar sorts of restrictions apply to all retirement accounts which give tax benefits.  Now, for the 7000 not providing benefit.  Assuming a very modest 4% growth, over 40 years 7000 becomes 34,671. Not something to sneeze at (inflation, risk reward, blah, blah, blah, it is less than it looks, but 4% is really pretty low, the stock market averages anywhere from 7->10% and IIRC the bond market is somewhere around 5%).  Now, certainly, to avoid bankruptcy you should withdraw.  However, if it is possible, you will be best served by keeping the money in your 401k account.  The penalties and lost earning opportunities are pretty significant.  /u/BeatArmy99 [has the numbers](http://www.reddit.com/r/finance/comments/2ct0qy/why_cant_i_access_my_401k_if_its_my_money/cjiorl7) for how much you lose by doing an early withdraw.  Don't do this lightly and I would suggest avoiding cashing out the whole thing if you can.


"Huh.  I don't like the idea of being ""starved"" into compliance either, but the fact is we're in a global economy.  Either this opinion will have to change, or we're ""going to get hurt real bad"".  I guess we can always switch back to extreme nationalism and xenophobia, and close off foreign trade.  Though I think that would technically work (by forcing the US to become independent of foreign manufactures) I don't think it will happen anytime soon."


>Obligations issued by the US government are backed by the full faith and credit of the government, as is its physical currency.  >This is not the same as every electronic dollar in every bank account comprising the money supply.  >whatever white knighting you can lift off a Money 101 website coupled with a C-level community college education.  >it is an exorbitant privilege which if thought about for more than two seconds, and without an authority-worshipping, boot licking attitude, is pretty fucked up  I'm not big on banking practices myself, but my god do you even know how you sound?  You come across as not only uninformed but incredibly smug about how uninformed you are.  *edited for formatting


"Is there anything I need to ask or consider during my negotiation   process based on the fact that they probably will soon be own by   another company? Very tricky situation. You are being hired by one company, and one hiring manager. But you already know that there are big changes ahead. What you don't know is how all those changes will actually play out. You will at least end up working for a different company.  I've worked for several companies in the past that were acquired, and some that acquired other companies. After each acquisition, the nature of the company changed significantly. Some teams were let go completely (often ""overhead"" departments like accounting, marketing, etc, that were handled at the corporate level), some teams were moved to a different location, others stayed the same. Sometimes management changed. In one case I was working for a new boss who worked out of the home office in another state. The time frame for these changes ranged from immediately, to several years after the acquisition. For me at least, some of the things that made the job appealing earlier typically were gone.  Try as best you can to ask questions about the acquisition, and about the nature of the acquiring company. If they are allowed to tell you the name of the company that is acquiring them, do some searching. See if you can find out how the company typically deals with acquisitions - do they immediately let almost everyone go (keeping only the ""essential"" few), or do they run new acquisitions as separate divisions and leave them alone for at least a while? Try to find out from your hiring manager what their expectations are for your specific team post-acquisition. Try to find out if anything within your offer is subject to change, post-acquisition. Are you being hired under the old, pre-acquisition rules? Or under the new, post-acquisition rules? The fact that you even know the company is being acquired is good. Often, companies cannot even divulge that fact until very near the end. On the other hand your use of the phrase ""probably will soon"", makes me wonder how much is definite here. Here's something you might wish to read: https://workplace.stackexchange.com/questions/20357/a-coworker-beat-me-to-resignation-how-can-i-resign-in-a-professional-manner"


I believe your question is based on a false premise. First, no broker, that I know of, provides an RRSP account that is a margin account. RRSP accounts follow cash settlement rules.  If you don't have the cash available, you can't buy a stock.  You can't borrow money from your broker within your RRSP. If you want to borrow money to invest in your RRSP, you must borrow outside from another source, and make a contribution to your RRSP.  And, if you do this, the loan interest is not considered tax deductible. In order for investment loan interest to be tax deductible, you'd need to invest outside of a registered type of account, e.g. using a regular non-tax-sheltered account. Even then, what you can deduct may be limited. Refer to CRA - Line 221 - Carrying charges and interest expenses: You can claim the following carrying charges and interest [...] [...]   You cannot deduct on line 221 any of the following amounts:


This fortune article is referenced in his either 2003 or 2004 annual report in which he does say that the market will not likely return much in the future and generally talks numbers. I am also a value investor, such that I can be in this environment and believe there is a bit of value in knowing where you think the market is headed but the real value is in underwriting each deal. In long, I agree with you


"Many of my friends said I should invest my money on stocks or something else, instead of put them in the bank forever. I do not know anything about finance, so my questions are: First let me say that your friends may have the best intentions, but don't trust them. It has been my experience that friends tell you what they would do if they had your money, and not what they would actually do with their money. Now, I don't mean that they would be malicious, or that they are out to get you.  What I do mean, is why would you take advise from someone about what they would do with 100k when they don't have 100k. I am in your financial situation (more or less), and I have friends that make more then I do, and have no savings. Or that will tell you to get an IRA -so-and-so but don't have the means (discipline) to do so. Do not listen to your friends on matters of money. That's just good all around advise. Is my financial status OK? If not, how can I improve it? Any financial situation with no or really low debt is OK. I would say 5% of annual income in unsecured debt, or 2-3 years in annual income in secured debt is a good place to be. That is a really hard mark to hit (it seems). You have hit it. So your good, right now. You may want to ""plan for the future"". Immediate goals that I always tell people, are 6 months of income stuck in a liquid savings account, then start building a solid investment situation, and a decent retirement plan. This protects you from short term situations like loss of job, while doing something for the future.   Is now a right time for me to see a financial advisor? Is it worthy? How would she/he help me? Rather it's worth it or not to use a financial adviser is going to be totally opinion based. Personally I think they are worth it. Others do not. I see it like this. Unless you want to spend all your time looking up money stuff, the adviser is going to have a better grasp of ""money stuff"" then you, because they do spend all their time doing it. That being said there is one really important thing to consider. That is going to be how you pay the adviser. The following are my observations. You will need to make up your own mind.  Free Avoid like the plague. These advisers are usually provided by the bank and make their money off commission or kickbacks. That means they will advise you of the product that makes them the most money. Not you.  Flat Rate These are not a bad option, but they don't have any real incentive to make you money. Usually, they do a decent job of making you money, but again, it's usually better for them to advise you on products that make them money. Per Hour These are my favorite. They charge per hour. Usually they are a small shop, and will walk you through all the advise. They advise what's best for you, because they have to sit there and explain their choices. They can be hard to find, but are generally the best option in my opinion.   % of Money These are like the flat rate advisers to me. They get a percentage of the money you give them to ""manage"". Because they already have your money they are more likely to recommend products that are in their interest. That said, there not all bad. % or Profit These are the best (see notes later). They get a percentage of the money they make for you. They have the most interest in making you money. They only get part of what you get, so there going to make sure you get the biggest pie, so they can get a bigger slice. Notes In the real world, all advisers are likely to get kickbacks on products they recommend. Make sure to keep an eye for that. Also most advisers will use 2-3 of the methods listed above for billing. Something like z% of profit +$x per hour is what I like to see. You will have to look around and see what is available.  Just remember that you are paying someone to make you money (or to advise you on how to make money) so long as what they take leaves you with some profit your in a better situation then your are now. And that's the real goal."


I recall similar strategies when (in the US) interest rates were quite a bit higher than now. The investment company put 75% or so into into a 5 year guaranteed bond, the rest was placed in stock index options. In effect, one had a guaranteed return (less inflation, of course) of principal, and a chance for some market gains especially if it went a lot higher over the next 5 years.  The concept is sound if executed correctly.


I suggest you to test AlauxSoft Accounts and Budget. This software is a money-like. There is a freeware and a shareware (24 EUR). You will find its at http://www.alauxsoft.com Best regards, Michel ALAUX.


Het beste kunt u oven gedroogd haardhout gebruiken voor uw kachel. Ovengedroogd brandhout heeft namelijk standaard een erg laag vochtigheidspercentage, waardoor het gegarandeerd goed en lang brand. Daarnaast geeft het dus minder vuil en rook af,waardoor uw schoorsteen langer mee gaat. Wat verder ook wel zo fijn is, is dat eventueel ongedierte en schimmels in het hout het drogen in de oven uiteraard niet overleefd. Dit is natuurlijk vooral van belang bij houtetende insecten.


"Greatowl's response is pretty cynical. I'm not a wall street analyst but I do read some of the research and there is a lot of respectable analysis out there. There are many smart analysts who consistently get poached from the equity research departments to join the buy side. I'd also contend that level of accuracy is an incomplete measure of performance. It doesnt matter if you're right or wrong, what matters is how much you make when you are right and how much you lose when you are wrong. Soros is purported to have a 30% ""batting average"" but the guy makes a killing when he's right (source: Inside the House of Money)."


One big difference:  Interest is contracted.  They can change the rate in the future but for any given time period you know what you're going to get. Dividends are based on how the company did, there is no agreed-upon amount.


"First to clear a few things up.   It is definitely not a gift. The people are sending you money only because you are providing them with a service.   And for tax purposes, it is not a ""Donation"". It has nothing to do with the fact that you are soliciting the donation, as charitable organizations solicit donations all the time. For tax purposes, it is not a ""Donation"" because you do not have 501(c)(3) non profit status.   It is income. The question is then, is it ""Business"" income, or ""Hobby"" related income?   Firstly, you haven't mentioned, but it's important to consider, how much money are you receiving from this monthly, or how much money do you expect to receive from this annually?   If it's a minimal amount, say $50 a month or less, then you probably just want to treat it as a hobby. Mostly because with this level of income, it's not likely to be profitable. In that case, report the income and pay the tax. The tax you will owe will be minimal and will probably be less than the costs involved with setting up and running it as a business anyway. As a Hobby, you won't be able to deduct your expenses (server costs, etc...) unless you itemize your taxes on Schedule A.   On the other hand if your income from this will be significantly more than $600/yr, now or in the near future, then you should consider running it as a business.   Get it clear in your mind that it's a business, and that you intend it to be profitable. Perhaps it won't be profitable now, or even for a while. What's important at this point is that you intend it to be profitable.   The IRS will consider, if it looks like a business, and it acts like a business, then it's probably a business... so make it so.   Come up with a name for your business. Register the business with your state and/or county as necessary in your location. Get a bank account for your business. Get a separate Business PayPal account. Keep personal and business expenses (and income) separate.   As a business, when you file your taxes, you will be able to file a Schedule C form even if you do not itemize your taxes on Schedule A. On Schedule C, you list and total your (business) income, and your (business) expenses, then you subtract the expenses from the income to calculate your profit (or loss).   If your business income is more than your business expenses, you pay tax on the difference (the profit).  If your business expenses are more than your business income, then you have a business loss. You would not have to pay any income tax on the business income, and you may be able to be carry the loss over to the next and following years. You may want to have a service do your taxes for you, but at this level, it is certainly something you could do yourself with some minimal consultations with an accountant."


Since this is the reasoning: I don't want to bother with micropayments, and harassing her for   monthly payments. You must do one the following: Provide the money to your mom as a loan (i.e.: with a note and interest) payable when the full repayment of the loan to the bank is done (i.e.: balloon note). The terms of the note should be that the money to be used as collateral for the secured loan from the bank. Provide the money to your mom directly. In this case you have to pay gift tax on $7K (above the 13K exemption limit). Since you want the money back - you'll probably want the option #1. Your interest rate should be above a certain level to avoid reclassifying it as a gift by the IRS (your tax adviser can help you with that). Your mom will pay interest to the bank on the secured loan, and to you on the collateral (unless you wave it, subject to gift tax, again - talk to the tax adviser). You will only need to harass your mom about the balloon payment in the end. This is not a tax or legal advice. Talk to your tax adviser and a legal counsel about the details and additional options.


"When heavy trucks are charged more to use the national highway system, does it strike you as an incorrect application of pricing power?  When an industrial company consumes large amounts of electricity and demands consistent power delivery and is charged more, do you see utility providers taking any advantage?  This is far more of an economics question than a political one.  You have supply (bandwidth), and demand for that bandwidth.  In traditional economics, the intersection of supply and demand curves generates ""price.""  Here, we have limited supply of bandwidth, and given the free to deliver business models of many pro-net neutrality supporters, essentially ""unlimited"" demand.  Yet we are saying that we cannot use price to regulate any of this.  We know what happens when you do not use price to regulate supply or demand.  Either too little supply is provided, or too much demand is generated.    You see this in single payer systems healthcare.  There is no price, but supply of healthcare is limited (some call it ""rationing"").   You see it in private insurance, even when there is price:  You get limited supply at a given price.  Pay more, and you get more supply.  In tech, when you cannot change price, you again limit supply (""throttling"").    If you do not allow the price mechanism, then you have to be prepared to accept supply limitations (throttling).  It simply cannot work any other way, unless we have some alternative theory of economics that we can apply."


Mining/discovery of gold can be inflationary -- the Spanish looting of Central America for a few hundred years or the gold rush in the 19th century US are examples of that phenomenon. The difference between printing currency and mining is that you have to ability to print money on demand, while mining is limited to whatever is available to extract at a given time. The rising price of gold may be contributing to increased production, as low-grade ore that wasn't economically viable to work with in the 1980's are now affordable.


On the surface this sounds ridiculous, which makes me suspect that there might be something that the dealer intends to cling on to; otherwise it sounds like the dealer should be ashamed to even call your son about its own incompetence. I'd recommend politely refusing the request since said mistake didn't happen on your end, and wait to see if the dealer comes back with some sort of argument.


"The author introduced himself as not being a financial analyst so that, apparently, absolved him of even considering the numbers.  The HP presenters struck him as ""straight shooters"".  I think he should have just wrote those two sentences and moved on to his next assignment."


The issue of unclaimed life insurance policies is a hot topic right now. Your questions are exactly the reason why. For a long time unclaimed life insurance policies have been a boon to life insurance companies but the states are cracking down. There is a lot of new legislation that requires the companies to make a diligent effort to find the rightful beneficiary. In some states if the beneficiary can't be found the proceeds wind up in the states abandoned assets fund. The death benefit is payable if the policy was in force on the date of death. Since no premium is actually due after the insured dies it doesn't matter if the policy lapses after the insured dies. You're correct that there is no one place to go to find out if you are the beneficiary of an unclaimed life insurance policy. Our agency has a resource page which gives you tactics to follow in order to do a search. See How To Find Lost Or Unclaimed Life Insurance Policies.


"The biggest risk you have when a country defaults on its currency is a major devaluation of the currency. Since the EURO is a fiat currency, like almost all developed nations, its ""promise"" comes from the expectation that its union and system will endure. The EURO is a basket of countries and as such could probably handle bailing out countries or possibly letting some default on their sovereign debt without killing the EURO itself. A similar reality happens in the United States with some level of regularity with state and municipal debt being considered riskier than Federal debt (it isn't uncommon for cities to default). The biggest reason the EURO will probably lose a LOT of value initially is if any nation defaults there isn't a track record as to how the EU member body will respond. Will some countries attempt to break out of the EU? If the member countries fracture then the EURO collapses rendering any and all EURO notes useless. It is that political stability that underlies the value of the EURO. If you are seriously concerned about the risk of a falling EURO and its long term stability then you'd do best buying a hedge currency or devising a basket of hedge currencies to diversify risk. Many will recommend you buy Gold or other precious metals, but I think the idea is silly at best. It is not only hard to buy precious metals at a ""fair"" value it is even harder to sell them at a fair value. Whatever currency you hold needs to be able to be used in transactions with ease. Doesn't do you any good having $20K in gold coins and no one willing to buy them (as the seller at the store will usually want currency and not gold coins). If you want to go the easy route you can follow the same line of reasoning Central Banks do. Buy USD and hold it. It is probably the world's safest currency to hold over a long period of time. Current US policy is inflationary so that won't help you gain value, but that depends on how the EU responds to a sovereign debt crisis; if one matures."


Your comparing apples to oranges. Your trying to equate killing your FOOD to killing a random animal crossing your path. The point is killing the turkey nicely or very violently doesn't really matter. It is your FOOD. Killing a random mouse on the golf course isn't even remotely the same. Try again.


Shop for the quality always! Choose your favorite one football here and get it at your doorstep. No need to go market or any store, no need to be worry to find the unique and Best cheap soccer balls. All famous brands are available here at discounted price. Just choose and order your favorite brand with color option.


They likely have an intern (job title) pay-scale that maxes out somewhere below $30/hr in order to meet the FLSA (that exempt vs non-exempt stuff you were seeing). As a PhD student, you could probably negotiate up into the ~$25/hr range, but from a benefits standpoint, they might not be able to pay you $35/hr without making you an exempt, full-time employee.


Very difficult to pay a credit card bill on a one off payment. Once you have selected HSBC card and used the secure key to confirm bill payment, in my experience it comes up error.mafter 3 attempts i was locked out of the account. Mush easier to use an account from another bank to pay the bill.


There are many considerations before deciding on the best place for your funds: How liquid do you need the funds to be?   If this is for an emergency fund I would keep at least some in an account that you have instant access to,  What is your risk (volatility) tolerance? Would you be OK with the value dropping by as much as 30% in a year knowing that over time you'll probably earn 8-12% on it?  If not, then equity funds or other stock investments are probably not the best move for you. Do you need the funds now or are they for long-term (retirement) savings? Are you eligible to fund an IRA? That would defer your taxes until you withdraw the funds from the account, but there are age restrictions that you must heed to avoid penalties. Are CDs a good idea? They do pay decent interest, but in return for that you lock up your funds for a set period of time.  All that to say that there are many facets to determining the best place for your funds.  If you provide more specifics you can get a more specific answer.


"Bankruptcy is a way to the fiat currency system to regulate itself.  The current system assume that there will always be more debts than money available.  Since money is created with debt already attached to it, the difference between ""real"" money, and ""on paper"" money build up over time.  When this disparity become to big, bankruptcies need to occur to bring those two number closer to each other.    It's like earthquakes if you like, the tectonic plates build up tension that need to be released in many small shocks, or a few big shocks.  The everyday bankruptcies represent the small quakes, and big recession represent too much build up that need to be released in one big shocks.    It's a very high level explanation and it doesn't go into details, but it's roughly why it happens.    EDIT: I wasn't saying that it was bad or not, I was simply explaining bankruptcy and why it's bound to happen.  If you don't like the analogy, it's no reason for downvote.  I know it may not be clear for everyone, but if you do not agree, please explain yourself."


The need for innovative Science, Technology, Engineering and Mathematics is paramount. Our youth needs to develop a mastery of these technologies beyond the classroom and fluency in skills to go from college to career. STEM and education collectively imparts skills and design based learning to urge children towards curiosity, innovation, and thirst for knowledge for these subjects. By exposing students to these STEM-related concepts and giving them opportunities to explore, they will develop a passion and hopefully pursue a job in a STEM field. Checkout us online: http://www.techjoyntfranchise.com/


From HSA Resources -  I understand that I can reimburse myself from my HSA for qualified medical expenses that I pay out-of-pocket but is there a time limit? Do I need to reimburse myself in the same year? You have your entire lifetime to reimburse yourself. As long as you had your HSA established at the time the expense was incurred, you save the receipt and it was not otherwise reimbursed, you can reimburse yourself for the expense from your HSA even years later. The important thing not asked or mentioned above is that the HSA must be in place before the expense occurred. In your case, should the LASIK procedure be before the HSA is established, it's not an eligible expense.


CDR Group uses a Career Analysis Profile Questionnaire in order to determine the strengths of the job seeker and figure out how best to market those positive attributes. The questionnaire can be completed manually and mailed in, or electronically over the Internet.


Not exactly. From OP's X-post, this appears like textbook tortious interference.  If it were me, I'd demonstrate to the customer why they are getting a better deal and at the same time, I'd have my attorney send a C&D to the offending competitor.


"It makes no sense to spend money unnecessarily, just for the purpose of improving your credit score.  You have to stop and ask yourself the question ""Why do I need a good credit score?""  Most of the time, the answer will be ""so I can get a lower interest rate on (ABC loan) in the future.""  However, if you spend hundreds or even thousands of dollars in the present, just so that you can save a few points on a loan, you're not going to come out ahead. The car question should be considered strictly in the context of transportation expenses:  ""It cost me $X to get around last year using Lyft. If instead I owned a car, it would have cost me $Y for gas, insurance, depreciation, parking, etc.""  If you come out ahead and Y < X, then buy the car.  Don't jump into an expensive vehicle (which is never a good investment) or get trapped into an expensive lease which will costs you many times more than the depreciation value of a decent used car, just so that you can save a few points on a mortgage. Your best option moving forward would be to pay off your student loans first, getting rid of that interest expense.  Place the remainder in savings, then start to look at a budget.  Setting aside a 20% down payment on a home is considered the minimum to many people, and if that is out of reach you might need to consider other neighborhoods (less than 400K!).  If you're still concerned about your credit score, a good way to build that up (once you have a budget and spending under control) is to get a credit card with no annual fees.  Start putting all of your expenses on the credit card (groceries, etc), and paying off the balance IN FULL every month.  By spending only what you need to within a reasonable budget, and making payments on time and in full, your credit rating will begin to gradually improve.  If you have a difficult time tracking your expenses or sticking to a budget, then there is potential for danger here, as credit cards are notorious for high interest and penalties.  But by keeping it under control and putting the rest toward savings, you can begin to build wealth and put yourself in a much better financial position moving into the future."


"You mention ""early exercise"" in your title, but you seem to misunderstand what early exercise really means. Some companies offer stock options that vest over a number of years, but which can be exercised before they are vested. That is early exercise. You have vested stock options, so early exercise is not relevant. (It may or may not be the case that your stock options could have been early exercised before they vested, but regardless, you didn't exercise them, so the point is moot.) As littleadv said, 83(b) election is for restricted stocks, often from exercising unvested stock options. Your options are already vested, so they won't be restricted stock. So 83(b) election is not relevant for you. A taxable event happen when you exercise. The point of the 83(b) election is that exercising unvested stock options is not a taxable event, so 83(b) election allows you to force it to be a taxable event. But for you, with vested stock options, there is no need to do this. You mention that you want it not to be taxable upon exercise. But that's what Incentive Stock Options (ISOs) are for. ISOs were designed for the purpose of not being taxable for regular income tax purposes when you exercise (although it is still taxable upon exercise for AMT purposes), and it is only taxed when you sell. However, you have Non-qualified Stock Options. Were you given the option to get ISOs at the beginning? Why did your company give you NQSOs? I don't know the specifics of your situation, but since you mentioned ""early exercise"" and 83(b) elections, I have a hypothesis as to what might have happened. For people who early-exercise (for plans that allow early-exercise), there is a slight advantage to having NQSOs compared to ISOs. This is because if you early exercise immediately upon grant and do 83(b) election, you pay no taxes upon exercise (because the difference between strike price and FMV is 0), and there are no taxes upon vesting (for regular or AMT), and if you hold it for at least 1 year, upon sale it will be long-term capital gains. On the other hand, for ISOs, it's the same except that for long-term capital gains, you have to hold it 2 years after grant and 1 year after exercise, so the period for long-term capital gains is longer. So companies that allow early exercise will often offer employees either NQSOs or ISOs, where you would choose NQSO if you intend to early-exercise, or ISO otherwise. If (hypothetically) that's what happened, then you chose wrong because you got NQSOs and didn't early exercise."


Yes, there are plenty of sites that will do this for you. Yahoo, and MarketWatch are a few that come to mind first. I'm sure you could find plenty of others.


Regular wire transfer from bank to bank would be the easiest, safest, and likely the cheapest (next to carrying cash over the border) method. Get the SWIFT info from the US bank you want the many land in (I believe all of the ones you mentioned support SWIFT wire transfers), and give it to your family in China. They'll have to find a local bank that supports SWIFT out-going transfers (might not be as easy as in the US) and send it out from there. Other, more expensive, options would be Western Union/MoneyGram. Or carrying cash over the border, which in these amounts can trigger some questioning from the authorities.


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