With new cars it's usually the other way around: finance at a low APR or get cash back when you buy it outright. With used cars you usually don't know how much they have invested in the car, so it's more difficult to know how low they're willing to go. Regardless, I do think it's odd that they would knock 2K off the price if you finance with them, but not if you pay cash. The only reason they would do that is if they intend to make at least 2K in interest over the life of the loan, but they have no way of guaranteeing you won't refi. Therefore, I suspect they are bluffing and would probably close the deal if you wrote them a check (or put the cash on the table) for 2K less. However, if they won't budge and will only knock off 2K if you finance, you could finance and pay it off in full a week later. Just make sure they don't have any hidden origination fees or pay-off-early fees.


The main problem is that everyone graduates from high-school, almost everyone gets accepted to college and almost nobody who put minimum efforts fails college classes. I know that! I was an adjunct professor and was told I can't fail my students except in extreme cases.  In the past, to graduate from high school was a hard accomplishment. Getting accepted to college was a hard accomplishment. Surviving the first year in college was an accomplishment and getting a degree was an accomplishment.  Those accomplishments in the past gave you excellent benefits! Benefits of assured respected jobs, income, security, and being the exception.  An example: in the past, to be a teller in the bank, you did not have to finish high-school, just be good in basic math. Today: a teller in the bank, one of the lowest paying jobs you can find, requires a Bachelor degree. Does the bachelor degree worth it?  **Basically, higher education became an industry, that accept as many people as possible, charge them as much as it can, give degrees to undeserving people, and those degrees are almost worthless. You can't do much with a Bachelor degree!**  The solution is to make the standards for high school and college much higher.  Everything will fall into place then.   Fewer students who are actually interested in studies and are qualified for their studies will mean better teaching, lower costs, and much better benefits for those deserve those benefits.  Chances of this happening? Big big zero. Actually, the chances of even lower standards for colleges and schools are 100%.  So, for my son, I explained to him to not invest much in an excellent and expensive college for [worthless] degrees. Instead, while he studies, work in the area he is interested in and learn from the masters he works with. My son is 13, but since being 11, he works (yes, he makes money) with some computer system he's interested in.  Personally, I worked since I was 13, study and worked all the time, got my Bachelor and Masters, and I am doing extremely well. I get paid for what I know, which Zero of it came from my studies and money I spent in those studies.


OK to be upfront, I hate Bankerella too and think that post was quite idiotic of her.  Considering that though, One of the top things any interviewer will/should consider is whether the want to work with the person they are interviewing. In this case, she simply gave the person a pass to the final round, she didn't actually give a job offer and didn't take any slots away from anyone else. The candidate is very likely to be the person working with her if she gets the job so of course she is going to choose a candidate based on personality.


My personal favorites are Options, Futures, and Other Derivatives by John C Hull Thinking Fast and Slow - Daniel Kahneman Expected Returns - Antti Ilmanen [check out the video : How to Think About Expected Returns] It is a 600 page book … A summary of it: Without a rational expectation of expected returns, investing can lead to severe disappointment and disillusionment.  Making a good model to forecast expected returns is so difficult. Near-term expectation is almost impossible. The key is very very much about focusing on the long-term, and on getting returns that are feasible, not outlandish. There are three pillars that are central: Practically, the work of an investment manager today involves finding many different sources of returns, and diversifying effectively between them, and finally being humble about what returns we can expect today.


9 Capital in The Twenty First Century by Thomas Piketty   8 The Art of Strategy by Dixitt and Nalebuff   7 Against the God's by Peter Bernstein   6 The Black Swan by Nassim Nicholas Taleb   5 The Intelligent Investor by Benjamin Graham   4 Money: Master the Game by Tony Robbins   3 Thinking Fast and Slow by Daniel Kahneman   2 The Personal MBA by Josh Kaufman   1 The Power of Habit by Charles Duhigg    ... Kind of meh choices really.


Ammo prices are the result of our constant wars. There are only so many bullet manufacturers and they are running 24 hour shifts to meet military demand. When we stop expending so much of it over in the desert they will be able to shift production back to domestic markets and prices will fall a little. Doubt they will ever go back to what they were though.


what i dont get is that the debt actually went down for once and not up and people seem to be unhappy about it because it was under trumps administration.    People need to get this in their heads that this is a win for the people. The nation is so split apart that when something positive it is meet with negativity. Who care if trump did it or not.  IT WENT DOWN thank jesus,buddha or tom cruise who ever but it went down.


"What disconnect? And I'm not even kidding here - where is it? Do you really think that arbitrage that is a pittance compared to long term trading somehow distorts the process that some people claim is actually socially beneficial? Given that there's really no evidence of it causing misallocation or mispricing, what is the problem? That some dumbass day trader (who is, by the way, trying to make money in exactly the same way as the HFT people - he's just worse at it) got screwed over by some not-quite-as-dumbass people working at Goldman Sachs?  And why would you think that HFT (or any other advancement) is somehow related to such a thing; we've had ""speculation"" and foul play of various types for hundreds of years. What is it that is fundamentally different this time that wasn't there in, for example, the 80s?"


All but certainly, Mitsubishi is selling so cheaply because of the fuel scandal. It has been providing false fuel efficiency data for decades. As a result, it may face significant penalties and may have lost the trust of consumers, who will now be less likely to purchase a Mitsubishi vehicle. Nissan is taking a controlling stake in Mitsubishi. This is important news for the company, too. The stock price reflects the consensus of investors on how significant these issues are. It's quite possible the stock will recover over the next few years, in which case it's a bargain at the moment. On the other hand, it's quite possible the company will never recover.


I think everyone else answered before you added the info about your car loan in your comment. While it makes sense to pay off loans with the highest interest rate first, keep in mind that in most cases you can deduct mortgage interest from your taxable income. So the after-tax rate of interest that you're paying on your 8.6% second mortgage will be less than your 7% car loan, assuming that your tax bracket is more than 18% (federal and state combined). If you plan to use your funds to pay down debt, definitely attack the car loan first.


If it was me, I would withdraw money from savings and be debt free today.  I would then pour the $500 into building back your savings.  Then of course, never again carry a balance on your CC. At your age MSFRX is a losing game.  You can handle the volatility of better performing funds, I would have zero in there.   If it was me, I would do something totally different then you are doing: Keep in mind you are doing very good as is.  The best way to win with money is to make good moves overtime, and given your debt level, savings, and willingness to contribute to a 401K your moves are pretty darn good.   Keep in mind you will probably want to start saving a down payment for a house.  This should be done outside of your 401K. Overall good work!


This was called Financial repression by Edward S. Shaw and Ronald I. McKinnon from Stanford (https://en.wikipedia.org/wiki/Financial_repression). Financial repression is the situation, when government is stealing from people, who rely heavily on saving, rather then on spending. Meaning that your saving rates will be a lot worse then inflation rate. Financial markets are artificially hot and interest rates artificially low (average historical interest rate is 10%). This could be a possible predictor state to hyper-inflation.


I don't see the reason for this response. It seems the only logical conclusion since the following factors aren't explanatory:       I) resources;       II) environment (excluding Earth natural resources);       III) landlocking;       IV) historical circumstances (excluding evolutionary environ; cf. Clark, 2008);       V) colonial legacy (it's actually predictive of greater success, not less);       VI) badly-drawn borders;       &c. All explanations drawn from common equalitarian tropes seem to fall flat and counter-examples abound. What's more, other differences with a more biological, evolutionary basis are; A) more sensible, and; B) more explanatory.


Diploma mills will sell a piece of paper to anyone who pays them, but that doesn't mean they have learned anything or will be able to get a job. They trick prospective students into taking out massive student loans for something that will bear no resemblance to an actual education. The worst part is that allegedly legitimate colleges and universities have been playing this game too for at least a decade. What is going to be done about it? Nothing. In the United States of Avarice, only those rich enough to bribe congress get their way.


1 lot is 100 shares on London stock exchange


I appreciate your help and thank you for your response but it was worded so poorly, I have no clue what your message was in the end. It got completely lost. I’m not trying to be rude or anything, I just have no idea what you were trying to say and am now utterly confused. It was just really hard to read when it lacks correct grammar and punctuation, sorry. It sucks though - I’m actually interested in what you have to say.


You whining butthurt projectionists can't stand up to any scrutiny. Stick to your weak propaganda hate sites if you can't handle reddit and having to deal with people that have their own views that aren't spoon fed to them by their news media.  How's that wall coming?  How's the Obamacare repeal going?  Did you stop all Muslims from coming into the country yet?  Normally I'm more tempered in this sub, but enough is enough, we cannot all your brand of stupid to infect threads without challenge anymore. You are not genuine, you are liars and self serving narcissists. Be gone.


We already offer console repair, we sell pre packaged food, drinks, ect.   Coffee here requires health inspections (almost like a restaurant).  We do have a constant flow of new customers as well as loyal regulars that never miss an event. We offer rewards for our members that bring in new customers as well.


Most likely the account funds have been handed over to the government of the state in which the account was established.  Generally it can be recovered if reasonable proof of ownership is provided (which you seem to have).  You should try going to http://unclaimed.org/ and selecting the account's state.  That site is run by the National Association of Unclaimed Property Administrators, and generally selecting the state will take you to the web site of the particular state's unclaimed property department and give information on how to find out about the funds and/or file a claim.


From accounting perspective, an unpaid bill for internet services, according to the Accruals Concept, is recorded as a liability under 'Current Liabilities' section of the Balance Sheet. Also as an expense on the Income Statement.  So to answer your question it is both: a debt and an expense, however this is only the case at the end of the period. If you manage to pay it before the financial period ends this is simply an expense that is financed by cash or other liquid Asset on the Balance Sheet such as prepayment for example. For private persons you are generally given some time to pay the bill so it is technically a debt (Internet Provider would list you as a debtor on their accounts), but this is not something to worry about unless you are not considering to pay this bill. In which case your account may be sold as part of a factoring and you will then have a debt affecting your credit rating.


"Corporate bankruptcy is yet another program that can benefit the wealthy at the expense of the little guy.  A few years ago I had a trading account with a large company known as Refco.  They filled for bankruptcy and I was shocked to learn that my personal funds in my trading account were seized and used to pay of ""secured creditors"" which were companies like Bank of America.  I was lucky to get back 3 cents on the dollar.    TL:DR - large companies use bankruptcy to screw over the little guys"


I apply what you term 'money' to the word 'commodity'. And I agree with littleadv, you are just selling us your perspective on (such things as) precious metals.  What I want you to think about is these truths: When used as currency gold just has two values: utility value and currency value. I hold it is better to separate the two.  There is not enough gold in the earth to represent the value in aggregate economies of the world. Trying to go back to the gold standard would only induce an unimaginable hyperinflation in gold.  Recent years shows that gold does not retain value. See the linked chart.


Usually, your situation is a generalized form of import/export, with you as the net exporter of goods/services and the individual consuming your goods/service as net importer. Import export laws vary from country to country but following are the general tariffs/taxes applicable: Export tax/duty: From your sovereign jurisdiction (read country/region/EU region), there could be export restriction or tariffs applicable to your exported goods/services on the other hand there may not be any, check with EU export law on this and then your country specific law. If there is any tax/tariff payable, you shall have to pay the same on the transactions. Import tax/duty: This is more related to your customer who is purchasing the goods/services from you, however, you should know this. Your customer will be liable to pay any import tax/duty as applicable for importing of your goods/services in that country/region, if it is applicable. Shipping Insurance: If it is a physical goods, there would be shipping and with shipping comes insurance and indemnity (if applicable). So there is a cost to it, you need to be aware of this. Sales Tax: There is no Govt. on earth or history which does not or did not charge sales tax in some form or the other. EU/country will also have sales tax, you should be aware of this as per transaction you may have to pay sales tax to the Govt. This would add to the cost. Credit of Foreign Currency Payments: Some countries have tax/tariffs attached to foreign currency credits/transfers or bank charges attached to the same, you may have to open specific type of bank A/C to receive the credits. These laws are specific to country/region, you should be aware of the same. The above are generic considerations and not specific to EU and to a greater/lesser extent applicable to all countries/regions. Best would be to search the net on the above points for EU region and get answers or approach a chartered accountant who will give you all the information.


I think technically the MIR includes the date of issuance but not the time, see the references here. What you have there looks like a timestamp followed by the MIR. If you look at this example from IBM they also show the input time as a separate field.


"what an asshole.  here's the line he's hoping you won't read too closely ""By 2002, Fannie and Freddie had bought well over $1 trillion of subprime and other low quality loans.""  BOUGHT as in private lenders made the loans and then sold them to Fannie or Freddie.  As 60 minutes recently documented many of the megabanks were routinely forging income statements and pushing people toward loans they knew they could not afford.  Yes Fannie and Freddie contributed by providing a convenient place for the bankers to stuff their fraudulent loans but even the trillion he speaks of is a drop in the bucket compared to the size of the derivatives market the banks built on top of the subprime loans.  He's either a fool or a shill and probably a little of both"


You should ask a CPA or tax lawyer to what extent living in specific housing provided by the employer as a job requirement is exempt from taxation.  You might find a nice surprise.  Your tax professional can also help you to report the items properly if mis-reported. Much of this is in the article you cite in the question, but perhaps a look at some of the original sources is warranted and will show why some expert advice might be useful.  I would argue that an RA who is required to police and counsel undergrads in a college dorm in exchange for a room or a flat is closer to a worker with quarters on a ship or at an oil well than a full professor who receives a rental home in a neighborhood near the university as a benefit.  In the first case living at the provided premises is necessary to do the job, but in the second case it is merely a benefit of the job.   The IRS Publication 15-B guidance on employer provided housing  is not entirely clear, so you might want to get some additional advice: Lodging on Your Business Premises You can exclude the value of lodging   you furnish to an employee from the employee's wages if it meets the   following tests. It is furnished on your business premises. It is furnished for your convenience. The employee must accept it as a condition of employment. Different tests may apply to lodging furnished by educational   institutions. See section 119(d) of the Internal Revenue Code for   details. If you allow your employee to choose to receive additional pay instead   of lodging, then the lodging, if chosen, isn’t excluded. The exclusion   also doesn't apply to cash allowances for lodging. On your business premises.   For this exclusion, your business   premises is generally your employee's place of work. For example, if   you're a household employer, then lodging furnished in your home to a   household employee would be considered lodging furnished on your   business premises. For special rules that apply to lodging furnished   in a camp located in a foreign country, see section 119(c) of the   Internal Revenue Code and its regulations.  For your convenience.   Whether or not you furnish lodging for your convenience as an employer   depends on all the facts and circumstances. You furnish the lodging to   your employee for your convenience if you do this for a substantial   business reason other than to provide the employee with additional   pay. This is true even if a law or an employment contract provides   that the lodging is furnished as pay. However, a written statement   that the lodging is furnished for your convenience isn't sufficient. Condition of employment.   Lodging meets this test if you require your   employees to accept the lodging because they need to live on your   business premises to be able to properly perform their duties.   Examples include employees who must be available at all times and   employees who couldn't perform their required duties without being   furnished the lodging.   It doesn't matter whether you must furnish   the lodging as pay under the terms of an employment contract or a law   fixing the terms of employment. Example of qualifying lodging. You employ Sam at a construction project at a remote job site in   Alaska. Due to the inaccessibility of facilities for the employees who   are working at the job site to obtain lodging and the prevailing   weather conditions, you furnish lodging to your employees at the   construction site in order to carry on the construction project. You   require that your employees accept the lodging as a condition of their   employment. You may exclude the lodging that you provide from Sam's   wages. Additionally, since sufficient eating facilities aren’t   available near your place of employment, you may also exclude meals   you provide to Sam from his wages, as discussed under Meals on Your   Business Premises , later in this section. Example of nonqualifying lodging. A hospital gives Joan, an employee of the hospital, the choice of   living at the hospital free of charge or living elsewhere and   receiving a cash allowance in addition to her regular salary. If Joan   chooses to live at the hospital, the hospital can't exclude the value   of the lodging from her wages because she isn't required to live at   the hospital to properly perform the duties of her employment. One question would be how the conflict with IRC 119(d) is resolved for someone who must live in the dorm to watch over the dorm and its undergrads. Here's 26USC119(d) from LII: (d) Lodging furnished by certain educational institutions to employees (1) In general  In the case of an employee of an educational   institution, gross income shall not include the value of qualified   campus lodging furnished to such employee during the taxable year. (2)   Exception in cases of inadequate rent Paragraph (1) shall not apply to   the extent of the excess of— (A) the lesser of— (i) 5 percent of the   appraised value of the qualified campus lodging, or (ii) the average   of the rentals paid by individuals (other than employees or students   of the educational institution) during such calendar year for lodging   provided by the educational institution which is comparable to the   qualified campus lodging provided to the employee, over (B) the rent   paid by the employee for the qualified campus lodging during such   calendar year. The appraised value under subparagraph (A)(i) shall be   determined as of the close of the calendar year in which the taxable   year begins, or, in the case of a rental period not greater than 1   year, at any time during the calendar year in which such period   begins.  (3) Qualified campus lodging For purposes of this subsection,   the term “qualified campus lodging” means lodging to which subsection   (a) does not apply and which is— (A) located on, or in the proximity   of, a campus of the educational institution, and (B) furnished to the   employee, his spouse, and any of his dependents by or on behalf of   such institution for use as a residence.  (4) Educational institution, etc. For purposes of this subsection— (A) In generalThe term   “educational institution” means— (i) an institution described in   section 170(b)(1)(A)(ii) (or an entity organized under State law and   composed of public institutions so described), or (ii) an academic   health center. (B) Academic health centerFor purposes of subparagraph   (A), the term “academic health center” means an entity— (i) which is   described in section 170(b)(1)(A)(iii), (ii) which receives (during   the calendar year in which the taxable year of the taxpayer begins)   payments under subsection (d)(5)(B) or (h) of section 1886 of the   Social Security Act (relating to graduate medical education), and   (iii) which has as one of its principal purposes or functions the   providing and teaching of basic and clinical medical science and   research with the entity’s own faculty.


"Maybe read a bit about Bain from somewhere other than the Obama campaign.  ""Reviving companies"" was their basic MO, and was exactly what they did to Toys'R'Us, which makes me very suspicious regarding claims that they just ruined Kay-Bee for shits and giggles."


Another option if it is available is a Roth 401k.  It is similar to a Roth IRA in that you pay taxes up front, but the withdrawals are tax free.


I've grown up and lived in California almost my whole life. I pay taxes.   Our system is horribly corrupt and built to empower big property owners. Young couples tend to pay many times higher taxes than older people who are living in comparable homes. Proposition 13 was pushed through by landlord associations. If we did away with it an replace it with a fair and equitable system we could solve many of our funding problems.


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The BPO companies provide round-the-clock service to cater the customer’s requirement. The majority of good BPO companies provide 24/7 service, in order answer the queries and concerns of their client’s end customers. These experts are fully-trained and they do a regular follow-up for the complaint raised by the customers and do their best for resolving the customer’s complaint to his satisfaction.


"A dividend is a cash disbursement from the company.  The value of the company goes down the same amount of the dividend, so it is analogous to having money in a savings account and taking a withdrawal every month.  Obviously you are going to have less in the end than if you just kept the money in the account. suppose that I own 10 different stocks, and don't reinvest dividends, but keep them on account, and each month or two, as I add more money to invest, either in one of my existing stocks, or perhaps something new, I add whichever dividend amount is currently available in cash to my new purchase, would this strategy provide the same results? Roughly, yes.  Reinvesting dividends is essentially buying more stock at the lower price, which is a net zero effect in total balance.  So if you invested in the same stocks, yes you'd be in the same place.  If you invested in different stocks, then you would have a performance difference depending on what you invested in. The risk is the temptation to take the cash dividend and not reinvest it, but take it in cash, thereby reducing your earning power. That is, is there some particular reason that the brokers are recommending automatically reinvesting dividends as opposed to reinvesting them manually, perhaps not always in the same item? I'd like to think that they're looking after your best interest (and they might be), but the cynical part of me thinks that they're either trying to keep your business by increasing your returns, or there's some UK regulation I'm not aware of that requires them to disclose the effect of reinvesting dividends.    £100 invested in the UK stock market since 1899 would have grown into just £177 after adjusting for inflation. This figure seems ludicrous to me.  I haven't actually measured what the historical returns on the ""UK market"" are, but that would mean an annualized return (adjusted for inflation) of just 0.5%.  Either UK stocks pay a ridiculous amount of dividends or there's something wrong with the math. EDIT I still have not found a definitive source for the real UK market return, but according to this inflation calculator, £100 in 1899 would equate to almost £12,000 today, for an average inflation rate of 4.14 percent, which would put the CAGR of the UK market at about 4.9%, which seems reasonable.  The CAGR with dividend reinvestment would then be about 9.1%, making dividend reinvestment a no-brainer in the UK market at least."


The victim never actually receives the money, so that is not an option. The scammer generates the transaction using a fraudulent check. Once the check is found to be fraudulent the chain of involved banks claw the money back (which is the bank's money, not the scammer's). So, what happens is the victim sees a deposit in their account, but it is not real, it is a conditional deposit by the bank made on the assumption that the payment is good (which it is not). When the victim endorses a check, they are guaranteeing to the bank that they consider the check good and vouching for the check. That is why the bank credits the victim's account, because the victim has vouched for the check. When the check later turns out to be fraudulent, the victim owes the bank money. In theory, people who endorse a fraudulent check could be criminally prosecuted, but that does not happen normally.


"Will it be more money for me now if I don't take it out? Yes Will it be more money for for my retirement if I do? Yes The difference will be the existence of a match and tax-deferral.  If there is a match then you will have an instant 100% gain on the amount that is matched. From a tax standpoint, putting some in your 401(k) now will reduce your taxes this year - you will instead pay tax when you withdraw the money at retirement (the withdrawal will be considered ""income"" at that time). Other decision points: If there is no match, but you still want to add to retirement savings, then you could alternatively put the money in an IRA, which will give you more control over your investments than a 401(k) (which could be good or bad, depending on how investment savvy you are)."


I figured you might say Australia.  Unfortunately, you'll still need to pay US taxes (if I understand things correctly) on top of any Australian taxes you'll have to pay so long as you are still a US citizen (and afaik, you can't give up US citizenship w/o first becoming a citizen of some foreign country).  Do you have a plan for this (yet)? If so, what?  I have to say that the reaction to Eduardo Saverin leaving the US is frightening and certainly goes a long way toward validating your concerns.


If you're under age 55 and in good health generally you cannot withdraw your funds from super and your super fund cannot provide you with any financial assistance eg lend you money. However, for a very small percentage of people with unrestricted non preserved superannuation components ( check your statement most people's superannuation is 'preserved'which means they cannot access it until they meet a 'condition of release')they may withdraw their super benefits upto the unrestricted non preserved amount. For healthy (& able) persons  aged 55 and over they may access their super under the following conditions: I can understand your frustration of having your money compulsory tied up in superannuation especially given the poor investment returns of the past 5 years. However, superannuation may be more flexible than you realize, I am an adviser at Grant Thornton and I am constantly telling clients that superannuation is not an invest but it the most tax effective long term savings vehicle available to Australians for their investment savings eg max 15% tax on income and capital gains if held for a year are taxed at 10%.  If you're not happy with your investment returns you may like to seek some advice or,set up your own super fund - a self managed super fund where you can invest a wide variety of assets; shares, managed funds,cash, term deposits, property( your super fund can even borrow to help acquire the property) I hope this helps


It wouldn't be a problem at all if all this gained productivity was distributed equally among our society, but this will just enrich shareholders and maybe franchise owners while the working class fights over even smaller scraps.  Automating away manual labor could be one of the greatest things to happen to our species, but in a purely capitalist economy it'll only cause suffering.


"Of course Goldman Sacs sells the bonds to the fed without charging a commission. They are  well known for their compassionate altruism. Just kidding! Of course they charge. The Federal Reserve Act specifies that the Federal Reserve buy and sell Treasury securities only in the ""open market."" The Federal Reserve conducts its purchases through ""Primary Dealers"" - usually Goldman Sacs-these btw are older securities. The new ones such as the fed has been gobbling up lately are sold at auction.  This supposedly supports the central banks independence in conducting monetary policy but still doesn't seem right. But then the fact that we have a central bank at all instead of the U.S. Treasury printing the money, doesn't seem quite right either now does it?"


The issue for you seems to be the sequence of events. Presumably, there will be a gain in the fund. In one year, you have a fund worth $100,000 and the $8500 your netted from the $10,000 dividend. (Dividends are taxed at 15% for most of us. If your taxable income is under $38K single, it's $0) An $8500 net return for the year. Now, if there were no initial dividend, and at the end of a full year, your $100K grew to $110K, and then gave you the $10K dividend, you might not be so unhappy. Even on day 2, you now have a fund worth $90K with a basis of $100K, and the promise of future dividends or cap gains. When you sell, the first $10K of gain from this point will effectively be tax free due to this quick drop.  To directly answer the last few sentences, dividends and cap gains are different. And different still, for the way a fund processes them.


Almost every screener is able to do this. Please put effort into researching.  Take the difference between http://finviz.com/screener.ashx?v=111&f=sh_avgvol_o1000,sh_price_u10,ta_highlow52w_nh&ft=4 and http://finviz.com/screener.ashx?v=111&f=sh_avgvol_o1000,sh_price_u5,ta_highlow52w_nh&ft=4 to get your results.  Even MSN Money can do this http://www.msn.com/en-us/money/stockscreener/52weekhighs


You can probably roll it over into the new company's 401k too, so just talk to your HR rep there.  I set up a separate Vangard IRA so when I changejobs or anything, I just dump my investments into that account and don't have to worry about keep track of them all over the place.


Generally I drink the free water that they provide.   What I am saying is that if they lowered the price of the food and drinks, they might get more people in the door.  When it costs $50+ to go to the movies for a family of three, that family tends to not go out much.


The solution is clear: You need to find a second job and work on the weekends and use that to pay off your debt.  You're only 25, you need to scrimp every ounce of your extra energy and pay off your debts by age 30.  You can do it by working a second job, and by working harder at your current job and getting promotions and raises.


">1.) The US mint is a private business. There's your first flaw of any argument about currency before we talk further.  Policies are set by the US Congress, and the Mint operates under the auspices of the US Treasury. You don't point out how any of this relates to anything, so I guess no point in going any further.   >2.) That small percentage value of the penny ""not being worth your time"" is a huge fallacy. It might not be worth anything to him, but I generally would be intent on getting a few cents back that are due to me. Similarly, using his example of 3 cents adding 2 seconds to the transaction ends up at a rate of $54/hr. That's quite a bit of money to be considered.  If we assume that any penny related transaction is equally likely to have 1 - 4 pennies involved, and we take the 2 second figure as accurate, then we come up with $45 per hour. However, there is the time of the cashier and anyone behind you to consider. That 2 seconds is multiplied by everyone, but only you get the pennies. If we figure you have to wait as often as you receive pennies on the whole, then the figure gets slashed, I'm guessing under $10 an hour.   Your figure also fails to account for what would happen if the penny were removed from circulation. Most likely outcome would be that transactions where you'd make 1 or 2 pennies would be rounded down and transactions where you'd have gained 3 or 4 pennies would be rounded up. You aren't actually (on the whole) gaining or losing any money at all.   >3.) No machines take pennies. Fair enough. Not really the fault of the penny itself, but more so a fault of brash inflation.  This isn't about establishing guilt. Pennies are tools and symbols, if they don't serve their purpose, then maybe we should consider removing them.   >4.) Supposing the penny does get removed, the axe gets held above the neck of the nickle inevitably. Then the dime, and so on.   So?  >You'll also see a massive disruption in handling of accounting principles and tax rates due to being forced into /5 rates. All adjustable, yes, but it does cause a whole new mess of issues in it's own right.  This can be acknowledged. One might take issue with massive, but a transition would not be free of labor and education costs.   >5.) Lincoln's face has nothing to do with this argument. 25 seconds worth of video wasted (that's about 35 pennies worth).  Maybe it didn't hit home with you, but the videographer obviously felt he was addressing someone's concern. The psychological impact of change or the not-strictly-scientificattachment to traditions or history would have to be taken into account in a fair evaluation of implementing a big change."


I would not pay for anything on LinkedIn. I have read that once you give them your credit card, it is VERY hard to unsubscribe. Read the reviews about that online. They are not good.  I believe in LinkedIn and feel you can benefit a lot from it. If you don't have a profile you are limiting yourself because all employers are searching prospective employees online and the more positive info about you out there, the better. You control what is on LI.


The commission is per trade, there is likely a different commission based on the type of security you're trading, stock, options, bonds, over the internet, on the phone, etc.  It's not likely that they charge an account maintenance fee, but without knowing what kind of account you have it's hard to say. What you may be referring to is a fund expense ratio.  Most (all...) mutual funds and exchange traded funds will charge some sort of expense costs to you, this is usually expressed as a percent of your holdings.  An index fund like Vanguard's S&P 500 index, ticker VOO, has a small 0.05% expense ratio. Most brokers will have a set of funds that you can trade with no commission, though there will still be an expense fee charged by the fund. Read over the E*Trade fee schedule carefully.


"It sounds like ""bonus shares"" are the same as a stock dividend. Stock dividends are equivalent to a stock split except for accounting treatment (good explanation here: http://www.accountingcoach.com/online-accounting-course/17Xpg05.html). As an investor, the only likely effect of a stock dividend is to make it more complex to keep track of cost basis and do your taxes. There's no economic effect, it's just rearranging accounting numbers."


Not entirely true.  Argentina walks away without the ability to get credit in the normal way, but with other (more expensive) avenues to get credit if needed.  However, they also no longer have to pay the bond debt, which frees up a fair amount of tax income to go to the things they were previously paying with debt.    Singer comes away with... nothing.  He's out the cost of purchasing the debt.  He's out the cost of litigating.  He actually came away with worse than nothing.  He lost bad.


"As others have already pointed out, there is no monetary sensible reason to borrow at 5% cost to invest at 1% return. However, just because it doesn't make perfect sense financially doesn't mean it can't make sense for peace of mind. And you should not dismiss the peace of mind argument out of hand. Ignoring tax effects, credit score effects, cost of higher levels of insurance required, etc., and assuming a five year repayment plan, borrowing $15,000 at 5% will cost you about $283/month for a total cost of $16,980. 1% interest on the same $15,000 would give you about $12/month. In other words, your ""loan premium"" is $21/month (interest expense about $33/month on the car loan, reduced by interest earned $12/month on the retained savings) plus the capital repayment amount. If you were to take the money out of savings you would probably want to replenish that over a similar time period (ignoring interest, saving $15,000 in five years means $250/month), so this boils down to the $21/month interest premium. Now consider that the times when an emergency fund is most often needed are very often the times when banks will be reluctant to extend a loan (a job loss being a common example). While foreclosing on an existing loan can still happen, as long as you keep making payments, I suspect that most banks are far more willing to overlook the fact that you would not have qualified for the loan after the job loss. If a loss of income situation develops after you pay the car with your savings without a loan, you start out with $15,000 in the bank plus whatever ""car payments to yourself"" you have been able to save afterwards. Depending on when things turn bad for you, this could mean that you having only half of the savings that you used to, but of course you also have no car payment expense (which is the same as you do now). If a loss of income situation develops while you are still paying off the car, you start out with $30,000 in the bank instead of $15,000, but run the risk of having to make the car payments with money out of your savings. The net result of that is that your savings are potentially effectively reduced by whatever the remaining debt outstanding on the car is, which in turn is reduced over time. Even if you were not to actively save, your net financial situation becomes better over time. If a loss of income situation develops after you have paid off the car, you now own the car free and clear and still have $30,000 in the bank. Assuming that you would repay yourself on a schedule similar to that of a car loan if you took the $15,000 out of the bank instead, this is a very similar situation. Consequently, the important consideration becomes: Is it worth it to you to pay $21/month extra to have an extra $15,000 on hand if something happens to your financial situation? I have been in pretty much exactly the same situation, albeit with smaller amounts, and determined that having the cash on hand was worth the small additional interest expense, not the least of which because I was able to secure a loan at a pretty good interest rate and with no early repayment penalties. You may reach a different conclusion, and that's okay. But do consider it."


While this is absolutely true, the wealthy amongst us should do well to remember that you have to throw a healthy pile of scraps to the dogs or they may get hungry and bite the hand that used to feed them.  /I'm very interested in what may happen with tax reform, first time in my life I may actually benefit from something the govt does.


1. Unfortunately it's pretty key to have *something*. School isn't that useful as a screening heuristic, especially for business majors, so 98.5% (approximately) of the value add comes from what you did while there/immediately after. I get the value in not wanting debt part but the world is what it is.   2. Go after the alumni network. Most schools have an internal job board. That can be something and it's a filtered environment.   3. You can try for an internship that's for juniors. Write a cover letter explaining your situation and why you think you'd still be a good candidate.   4. Other skills? VBA is nice. For an analyst in general my understanding is you need decent but not exceptional computer skills and rock solid Excel/research ability. Learn to write coherently and in a fact driven fashion since many, many people struggle with that.  5. Depending on your major, take a post-grad class or two in accounting/finance at a local university and talk to professors. They may have contacts and it could open doors.


The facet of this that I find most intriguing is that our media companies are much smaller than most corporations.   According to the lawsuit, BPI claims that they were caused $5.7 **billion** dollars in damages. It claims that they were seeing $650 million in annual revenue before the story.  The numbers are so huge that anyone causing any disruption to such a large corporate machine is something that cannot be repaid. Imagine if you caused that company a 1% decline in sales. That's $6.5 million. Can you pay restitution on that?  Our corporations are too large, and their power is too great. We need to break shit like this up.


Lol and a company spending more than they need to on labor is reality? Thanks for pointing me in the right direction. Ill be sure to run all future thoughts I have by you to ensure that fit into your 'reality'.


to find out how, please click the link above and read this post NOW! for sure you will learn a lot from it most especially on how you can get rid of errors in your annual credit report.


People used to afford 3 bedrooms home with 2.5 kids on minimum wage. That's what we're used to.  Of course humans are very adaptable, some could live with two bowls of rice before sleeping on the factory floor between their 16 hours shifts. On the other hands, some people think it would be a better idea to just eat the people who are capturing all the value of their labours.


This page and this page on the ATO website provide some information on tax rates. They're rather lengthy and there's a few exceptions, but essentially, your entire foreign income, even if held overseas, is taxable. Australians are taxed worldwide.


"Manufacturers sometimes give incentives to car dealers to ensure that the prior year models are sold out before the year is up.  However, dealers are usually pretty smart on only ordering the cars they know they can sell before this happens.  Also, manufacturers are usually pretty good about only producing enough vehicles to cover demand.   Honestly, you aren't likely to see these incentives materialize unless the manufacturer really screwed up.   If that happens then three things occur.  First is that manufacturers give a hidden incentive to the dealers.  Dealers won't publicize this, even internally.  If the cars are still not moving after a month, then the dealers will tell the salespeople that those cars have a specific ""bonus"" on them.  If those cars still don't sell, then the bonus inflates quite a bit and dealers begin advertising that car at a deep discount on the radio.  It's pretty much guaranteed to sell at that point. Barring those circumstances, the deal you get on a brand new car, late in the model year, is likely to be the same you could have gotten early in the model year.   Honestly, if you want the best deal possible, look at the date of the inspection sticker on the car.  If it is close to the 3 month mark then the dealer will bend over backwards to sell the car as the finance costs are racking up on it.  They'll often sell that one at heavy discounts."


"When a question is phrased this way, i.e. ""for tax purposes"" I'm compelled to advise - Don't let the tax tail wag the investing dog.  In theory, one can create a loss, up to the $3K, and take it against ordinary income. When sold, the gains may be long term and be at a lower rate. In reality, if you are out of the stock for the required 30 days, it will shoot up in price. If you double up, as LittleAdv correctly offers, it will drop over the 30 days and negate any benefit. The investing dog's water bowl is half full."


"I mean, in the eyes of investors it is a good investment.  > ""Demand for stock from fund managers exceeded supply by more than 29 times at that price, two people said.""  They also have plantations in Malaysia and Indonesia, along with refining plants in China, Indonesia, Turkey, and South Africa. So it already has a stable foot hold in various economies.   Like I said, it's nice to see a business IPO that offers a tangible product with a relatively cheap IPO along with a chance to see much growth. You don't see many of these around nowadays."


I record the games, and start in them about an hour or so in.  I FF through the commercials and slow parts, and typically finish the recording a few minutes ahead of watching the recording.  That way I see the game before the smarties go on about the results and highlights.


Of course it is a scam.  They don't need your password to give you money. Even giving them the rest is enough information for them to try and withdraw money from your bank by automatic transfer.


That's not at all what I said.   I said regulation is inevitable. The question is, in whose favour we regulate? Employers, owners of capital, or workers.   Deregulation usually favours owners of capital and employers, and ends up concentrating wealth in the hands of the few. Because surprise surprise people would rather invest their money in something that just goes up in value rather than put all the effort into creating jobs or paying workers more. Since there are no laws to encourage them to do so.


Discussing the existence of a speakeasy is not the same as handing out a map with hand written annotations and directions to the speakeasy.  Note that I did not hand out addresses, names, or even discussed the type of content that one might find on a private torrent tracker.   I have just stated that they exist and wanted to point out that the fact that because they are not very commonly known about, clearly demonstrates that the members of said sites are (and can be) extremely discrete.  I agree that torrent sites require discretion to stay alive, however your post seems to indicates that you, perhaps, are not aware of the existing reality of extremely discrete, private, torrent trackers with extremely large content libraries and user bases. As such, in order to stop the dissemination of bad information to others (ie, that there is no way those could possibly exist!), I thought I would point out to those who may not be in the know, that there are indeed private, discrete torrent trackers that are safe and free.


I got a Capital One credit card because they don't charge a fee for transactions in foreign currencies. So I only use it when I travel abroad. At home, I use 3 different credit cards, each offering different types of rewards (cash back on gas, movies, restaurants, online shopping etc).


[Here's a website](http://economyinperspective.com/jobs) that gives you a breakdown of how many jobs were created under each Presidential administration since WWII. 70% more jobs and more than twice as many private sector jobs were created during the eight terms a Democrat was President as during the *nine* terms a Republican was President.


It's the federal government that is blocking progress on this:  > [The federal government regards marijuana as an illegal drug; it is classified by the Drug Enforcement Administration as a controlled substance with no accepted medical use, on par with heroin. Banks are regulated by the feds; most will not touch cannabis cash. \(Neither will most armored car companies.\) > ](http://www.latimes.com/local/abcarian/la-me-abcarian-cannabis-cash-20170129-story.html)  At any rate, I don't necessarily see Las Vegas' marijuana reputation becoming anything near that of Amsterdam's. Marijuana is tolerated and sold openly specifically in Amsterdam (laws vary elsewhere in the Netherlands as far as I know), whereas many states in the USA have legalized marijuana and more will continue to do so. Rather than tourists who go to Europe picking Amsterdam for marijuana, tourists coming to the USA might pick Boston, Seattle, Las Vegas, San Francisco, Portland, etc..


A great deal of the money was made abroad.  I imagine they paid some tax in those respective countries.  I heard that they and other large Co's were trying to get a deal bring the money home. If they did they would be taxed again.


Fuck here in Europe (Vienna) people hardly even heard of teleworking... I would so love to telecommute twice a week, it would feel a lot less like working. What is a good excuse for this? Married without kids at the moment, living not too far (subway).


> And here is an example that I am sure you will be thrilled about: eminent domain. It almost always sucks for the land owner, but if done right can benefit society at large greatly.  Eminent domain is unnecessary to build roads and other infrastructure.  You are willing to participate in an unethical act just because it is convenient to a powerful few?


I feel like no one really has he right to step in and ask me what I'm spending my own money on and why Well, yes - the bank do, and they are legally required to. It's for legal purposes and for your own protection. The bank are looking for money laundering, generally. You can't withdraw more than $10,000 cash without the bank having to report it; however, if you ask for $10,000, the bank tell you that they have to report it, and so you reduce your request to (say) $9,500, the bank will still report it - with a note on the report saying that you initially requested a higher limit. They also check spending patterns. If for the last six months you've withdrawn $1,000 in cash each month, but for the last four days you've asked for $5,000 each time, then they'll ask what the money is being used for, in case you're being defrauded. Your question implies that the 'financial people' are asking for the money in cash. If so, then that's a big (BIG!) red flag. No reputable company would ask for deposits that cannot be traced. In this case, I'd be looking for other 'financial advisors'. Interview several, not just the ones used by your friends and/or relatives. And if you don't understand an investment completely, then you shouldn't be making that investment. Your advisor would not be risking their OWN money on it, would they...


I can't quite follow your question, so I'm proceeding under the following assumptions: - You paid £31,000 - Your partner paid £4,242 - You have at least one mortgage, which you both pay equally. If the relationship terminates, sell the property. You are reimbursed £31,000 and your partner is reimbursed £4,242. Any remaining proceeds from the sale are split 50-50. If the result is a net loss (i.e. you are underwater on your mortgage), you split the debt 50-50. If you are not both paying the same toward the mortgage, I'd split the profit or loss according to how much you each pay toward the mortgage. Of course, this is not the only possible way you can split things up. You can use pretty much any way you both think is fair. For example, maybe you should get more benefits from a profit because you contributed more up-front. The key thing, though, is that you must both agree in writing, in advance. This is reasonable; this is what I did, for example. Note that if the relationship ends, one or the other of you may wish to keep the property. I'd suggest including a clause in your written agreement simply disallowing this; specify criteria to force a sale. But I know lots of people are happy to allow this. They treat that situation as a forced sale from both people to one person. For example, if your partner chooses to stay in the house, he or she must buy the property from you at prevailing market rates.


Data. The panel consists of executives from PayPal, Credit Suisse, WorldQuant, & SoFi and they essentially discuss how quantitative data is becoming more and more critical in the space of finance. They discuss the declining need for human capital and the use of automation (floors and floors of traders vs. floors and floors of servers).


Shares are partial ownership of the company. A company can issue (not create) more of the shares it owns at any time, to anyone, at any price -- subject to antitrust and similar regulations. If they wanted to, for example, flat-out give 10% of their retained interest to charity, they could do so. It shouldn't substantially affect the stock's trading for others unless there's a completely irrational demand for shares.


Brokerage firms are required to report the number of shares being shorted.  This information is reported to the exchange (NYSE of NASDAQ) and is made public.  Most financial sites indicate the number of shares being shorted for a particular stock.  The image below from Yahoo finance shows 3.29 million shares of CMG were being shorted at the close of 9-28-2012.  This is over 12% of the total outstanding shares of CMG.  For naked short selling additional information is tracked.  If the brokerage is unable to borrow shares to deliver before the settlement date of a short sale then the transaction is recorded as fails-to-deliver.  No money or shares are exchanged since the brokerage is unable to deliver the shares that were agreed upon.  A large amount of fails-to-deliver transactions for a stock usually indicates an excessive amount of naked shorting.  When investors and brokerage firms start to aggressively short a stock they will do so without having borrowed the shares to sell.  This will result in a large amount of naked short selling.  When there are a large number of naked short sellers not all the sellers will be able to borrow the necessary shares before the settlement date and many fails-to-deliver transactions will be recorded. The SEC records the number of fails-to-deliver transactions. The table below summarizes the fails-to-deliver transactions from 1-1-2012 through 9-14-2012 (data obtained from here). The “Ext Amount” column shows the total dollar value of the transactions that failed ( i.e. Fail Qty * Share price ).  The “Volume” column is the total number of shares traded in the same time period.  The “% Volume” shows the percentage of shares that failed to deliver as a percentage of the total market volume. The table orders the data in descending order by the quantity of shares that were not delivered.  Most of the companies at the top of the list no longer exist.  For many of these companies, the quantity of shares that failed to deliver where many multiples of the number of shares traded during the same time period.  This indicates massive naked short selling as many brokerages where unable to find shares to borrow before the settlement date. More information here.


The credit limit is not going to be the problem; the daily spending limit is more likely be tripped first. I'm not a lawyer but if you are not responsible for the credit card details being leaked it is very unlikely that the bank will be able to charge you for fraudulent spending on the card. The important thing is to notify the bank as soon as possible once you realize there is a problem and if practical keep evidence of that notification, it will then be the banks problem to fix. From my understanding Singapore has relatively good consumer protection and it is unlikely the bank will get very far even if they try to charge you.


"In layman's terms, oil on the commodities market has a ""spot price"" and a ""future price"". The spot price is what the last guy paid to buy a barrel of oil right now (and thus a pretty good indicator of what you'll have to pay). The futures price is what the last guy paid for a ""futures contract"", where they agreed to buy a barrel of oil for $X at some point in the future. Futures contracts are a form of hedging; a futures contract is usually sold at a price somewhere between the current spot price and the true expected future spot price; the buyer saves money versus paying the spot price, while the seller still makes a profit. But, the buyer of a futures contract is basically betting that the spot price as of delivery will be higher, while the seller is betting it will be lower. Futures contracts are available for a wide variety of acceptable future dates, and form a curve when plotted on a graph that will trend in one direction or the other. Now, as Chad said, oil companies basically get their cut no matter what. Oil stocks are generally a good long-term bet. As far as the best short-term time to buy in to an oil stock, look for very short windows when the spot and near-future price of gasoline is trending downward but oil is still on the uptick. During those times, the oil companies are paying their existing (high) contracts for oil, but when the spot price is low it affects futures prices, which will affect the oil companies' margins. Day traders will see that, squawk ""the sky is falling"" and sell off, driving the price down temporarily. That's when you buy in. Pretty much the only other time an oil stock is a guaranteed win is when the entire market takes a swan dive and then bottoms out. Oil has such a built-in demand, for the foreseeable future, that regardless of how bad it gets you WILL make money on an oil stock. So, when the entire market's in a panic and everyone's heading for gold, T-debt etc, buy the major oil stocks across the spectrum. Even if one stock tanks, chances are really good that another company will see that and offer a buyout, jacking the bought company's stock (which you then sell and reinvest the cash into the buying company, which will have taken a hit on the news due to the huge drop in working capital). Of course, the one thing to watch for in the headlines is any news that renewables have become much more attractive than oil. You wait; in the next few decades some enterprising individual will invent a super-efficient solar cell that provides all the power a real, practical car will ever need, and that is simultaneously integrated into wind farms making oil/gas plants passe. When that happens oil will be a thing of the past."


Do volunteer organizations seek people with math skills? I've honestly never paid much attention to volunteer work beyond recycling programs, so I never thought much about the subject. It could be pretty cool if I can volunteer somewhere for that field, though.


These Japanese devices are known as the shonishin and they are not embedded into the body but rather kneaded to fortify the skin meridians. The instruments utilized for the different needle therapy can be silver, gold, and stainless steel and copper they can be cleaned disinfected and reused.


I don't understand how this gets propped up on reddit all the time. Before a candidate works at a job, he and his employer reach an agreement on what the pay will be. If the candidate doesn't agree, he doesn't work there.   If the minimum wage was $0, and an employer advertised a wage of a penny an hour, no one would take that job which forces the employer to go without an employee, or the employer increases the compensation to entice candidates to apply.  If a candidate agrees to work for whatever pay is mutually agreed upon, where is the harm?


Absolutely anyone who wants to put money into a stranger's account is a guaranteed scammer and most likely from Nigeria in reality. I know you probably felt like it was your lucky day but in fact it could have been your unluckiest day had you not asked on here, so good on you man. Whenever you're not sure about something just ask, that's what the internet is for, someone's always willing to help.


> I simply stated that the only way to control prices across a community is through central authority.  Why control prices when we can change incomes?  You're looking at it the wrong way.  Why can't people afford decent homes, medical care, education?  Perhaps it's because the fruit of their labor is being exploited, taken from them and transferred unjustly to the upper class.


What you want is a cashless transaction. It's part of the normal process. My employer gives me 1000 options at $1, I never need to come up with the money, the shares are bought and sold in one set of transactions, and if the stock is worth $10, I see $9000 less tax withholding, hit the account. No need for me to come up with that $1000.


"Thanks for your reply. I think a lot of people are confused when talking about ownership, and I think it is a definitional issue.   When a company issues stock (the first time or anytime), what they are doing is ""selling"" the right to a percentage of the dividend. They are not actually selling parts of the company to you. Everyone thinks this way though, and that has to do with the Chicago School economists who perpetuated their ideas of ownership which is what everyone know thinks is the case. This way of thinking about corporations and ownership is just wrong (not ethically), just erroneous.   As I stated before, Lynn Stout of Cornell University explains this really well. I would encourage anyone to read more about it."


Honestly I'm not sure what to expect since I've never been. The other guys have told me that they spent all day, everyday there and didn't see it all.  I'd honestly like to find something within electric vehicles like ev chargers, 3D Printing, some new  type of mobile phone integration.   I have a desire to go real big when finding potential opportunities, but I'm also expecting to mostly find smaller/less scalable opportunities that will allow us to build a portfolio of businesses.


I'd have anything you would need for maybe 3-6 months stored up: food, fuel, toiletries, other incidentals.  What might replace the currency after the Euro collapses will be the least of your concerns when it does collapse.


"This is the best tl;dr I could make, [original](https://techcrunch.com/2017/07/26/amazon-prime-now-launches-in-singapore-its-first-market-in-southeast-asia/) reduced by 67%. (I'm a bot) ***** > The Amazon apps went live in Singapore early last night local time, and Prime Now - an aggressive two-hour delivery service - is available to Singapore&#039;s population of more than five million people from today.  > The launch includes &quot;Tens of thousands of items&quot; but it isn&#039;t the full Prime offering, which Amazon said will be available &quot;Soon&quot; in Singapore.  > &quot;This is the first time we&#039;re offering Prime Now to an entire country. Singapore allows us to launch to the whole country at the same time, but when you look at the Singapore consumer, at Singapore - it being urban, a great metropolitan city, people are very tech-savvy, it makes a great match with the Prime Now value proposition,&quot; Henry Low, who is Amazon&#039;s Director of Prime Now in Asia Pacific, told CNET in an interview.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6q163k/amazon_prime_now_launches_in_singapore_its_first/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~177470 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Amazon**^#1 **Singapore**^#2 **Prime**^#3 **service**^#4 **back**^#5"


Of course you can transfer it, and it will be legal. There's no taxes on transferring your own money. There's income tax on gains you realized by selling the property, but that is money you already owe, it doesn't matter where the proceeds are. It also doesn't matter how you acquired the property (except for figuring out your basis). What matters is that you had gains, and these gains are taxable in the US. You need to figure out the value of the property when your father bought it, and that is your basis. The difference between what you sold it for and that basis is your taxable gain, and you already owe taxes on that gain.


With Mint you are without a doubt telling a third party your username and password.  If mint gets compromised, or hires a bad actor, technically there isn't anything to stop shenanigans.  You simply must be vigilant and be aware of your rights and the legal protections you have against fraud. For all the technical expertise and careful security they put in place, we the customers have to know that there is not, nor will there ever be, a perfectly secure system. The trade off is what you can do for the increased risk.  And when taken into the picture of all the Other* ways you banking information is exposed, and how little you can do about it, mint.com is only a minor increase in risk in my opinion. *See paypal, a check's routing numbers, any e-commerce site you shop at, every bank that has an online facing system, your HR dept's direct deposit and every time you swipe your debit / credit card somewhere. These are all technically risks, some of which are beyond your control to change.  Short of keeping your money in your mattress you can't avoid risk.  (And then your mattress catches fire.)


The two banks involved may have different policies about honoring the check. It might not be written on the check.  Your bank may decide that the stale check has to be treated differently and will withhold funds for a longer period of time before giving you access to the money. They will give time for the first bank to refuse to honor the check. They may be concerned about insufficient funds, the age of the check, and the fact that the original account could have been closed. If you are concerned about the age of the check. You could go to your bank in person, instead of using deposit by ATM, scanner, or smart phone. This allows you to talk to a knowledgeable person. And if they are going to treat the check differently or reject the check, they can let you know right away. The audit may not have been concerned about the fact that the check hadn't been cashed because when they did the audit the check was still considered fresh. Some companies will contact you eventually to reissue the check so you they can get the liability off their books.  If the bank does refuse the check contact the company to see how you can get a replacement check issued. They may want proof the check can't be cashed so they don't have to worry about paying you twice.


> What is your background? Whats your job? College? That sort of thing... So I know who I am talking to.  Really? It wouldn't be so you can make ad hominem attacks would it? anyway, if you can't argue on the internet, give up.


Cà Gai Leo Sadu sản phẩm được sản xuất bởi công ty Công nghệ cao Thăng Long. Hiện tại Cà Gai Leo Sadu đang phân phối những sản phẩm chính như: Cao Cà Gai Leo Sadu, Cà Gai Leo Hoà Tan Sadu, Cà Gai Leo Trà Túi Lọc Sadu, Cà Gai Leo Khô Sadu. Với quy trình sản xuất khép kín đạt tiêu chuẩn dược phẩm sạch cùng công nghệ tiên tiến. Sản phẩm cà gai leo Sadu đang đạt mức dược tính từ 0,2-0,273 mức dược tính cao nhất hiện nay. Mọi thông tin liên hệ mua Cà Gai Leo hỗ trợ điều trị bệnh về Gan xin theo email: info@cagaileosadu.com.vn.


Here's what I'd do: Pay off the cards and medical. Deposit 35k in the best interest bearing accounts you can find (maybe some sort of ladder).  Link your student loans payments to this account. This frees up $486 a month in income, and generates a small amount of interest at the same time. Now, set up some sort of retirement account.  Put $400 a month in it. This leaves you with $86 a month to use as you please. You still have $10 000 cash, out of which you could buy an inexpensive used car, and bank some as emergency funds.


As a follow-up, I ended up buying:    * Financial Modeling and Valuation: A Practical Guide to Investment Banking and Private Equity (Pignataro, Paul; Hardcover)     * Mergers, Acquisitions, Divestitures, and Other Restructurings, + Website (Pignataro, Paul; Hardcover)     * The Essential CFO: A Corporate Finance Playbook (Nolop, Bruce P.; Paperback)


Why do you say that? If we look at that region as a whole it would make sense considering their data center and web services center are in nearby Ashburn and Herndon respectively.  Also, Fairfax County and Loudoun County are co-bidding to have HQ2 use the CIT Building campus and the immediate surrounding area.


With InteractiveBrokers there is no minimum trade amount, they also offer Australian Equities.


The answer is very simple. Part of the luxury is having the cutting edge technology with the very latest features. The price premium is not just from increased build quality; it's simply a perception. Additionally, 10 years takes its toll on a car. The smooth suspension gets rougher over time, and all the little features start to break down. Part of the price of that car factors in the expense of expected repairs. That's true of every car, but the repairs are more expensive when there are lots of gadgets to break down, especially on imports.


Cheaper and faster are usually mutually exclusive. If you want faster, nothing is faster than cash.  I would recommend using an ATM to withdraw cash from your USD account as Florints and then use as appropriate. If you want cheaper, then the cheapest currency conversion commonly available is foreign exchange / transfer services like OFX / XE Trade / Transferwise.  Turn around time on these can be as little as a business day or two but more commonly takes a few business days, but they typically offer the best currency exchange rates at the lowest cost.  If you must make regular payments to 3rd parties, you can set these services up to send the converted currency to a 3rd party rather than back to your own account.


"It's almost as if you're *completely* wrong.   Tell me what Citibank has anything to do with JP Morgan.   Tell me again how JP Morgan is responsible for CDO's and MBS's.   Tell me again how JP Morgan cost the tax payers money.  Tell me again how investment banks made investments based on the premise of ""taxpayers will cover it""   Tell me again how JP Morgan gambled and needed to be bailed out.  Tell me how the TARP cost taxpayers even a cent.   Amazing how someone can have such strong feelings about something they have 0 knowledge of. Educate yourself moron."


Probably a big fat NO. Update re this edit: NOTE: I'm not suggesting that I melt the coins. I'm just suggesting that I hold onto the nickels and sell them later when they are worth more than 5 cents. For example, you can sell coins with silver in them for far above their face value. This is silly as an investment.  Right up there with stockpiling cars. :)   The increase in value will likely never be enough to make the cost/hassle of storage worth it.  As MrChrister states, it is a fine idea as a collection, but not as a stockpile. Edit (from the comments): I am surprised I did not latch onto this in the previous update.  Silver is considered a previous metal, nickel and copper are not.  BTW, the U.S. nickel is 25% nickel and 75% copper. Also, how in the world do you plan on actually selling a stockpile of nickels?


"I think the issue you are having is that the option value is not a ""flow"" but rather a liability that changes value over time. It is best to illustrate with a balance sheet. The $33 dollars would be the premium net of expense that you would receive from your brokerage for having shorted the options. This would be your asset. The liability is the right for the option owner (the person you sold it to) to exercise and purchase stock at a fixed price. At the moment you sold it, the ""Marked To Market"" (MTM) value of that option is $40. Hence you are at a net account value of $33-$40= $-7 which is the commission. Over time, as the price of that option changes the value of your account is simply $33 - 2*(option price)*(100) since each option contract is for 100 shares. In your example above, this implies that the option price is 20 cents. So if I were to redo the chart it would look like this If the next day the option value goes to 21 cents, your liability would now be 2*(0.21)*(100) = $42 dollars. In a sense, 2 dollars have been ""debited"" from your account to cover your potential liability. Since you also own the stock there will be a credit from that line item (not shown). At the expiry of your option, since you are selling covered calls, if you were to be exercised on, the loss on the option and the gain on the shares you own will net off. The final cost basis of the shares you sold will be adjusted by the premium you've received. You will simply be selling your shares at strike + premium per share (0.20 cents in this example)"


sure it is  they are saving on distribution  and paper costs  so they pass the savings onto you with increased costs.  so what it is a joy to read.  thats also a little less than half the price of my cable.  thats retarded.


Despite what the article discusses, I personally have gone to McDonald's less and less because their service and quality seems to be getting worse.  I think they need to retrain their staff.  How is it I order two double cheese burgers and I get a McNuggets and a fish sandwich?  Or I order a chocolate milkshake and get a vanilla one with one swirl of chocolate in it.  :(


When the government controls your education, you only learn what the government wants you to learn, and your attitudes towards conflicting information can be taught to you and reinforced for more than a decade, during your most impressionable time. There is a REASON the government wants to raise you, and not your parents.


I want to encourage diversity in means of producing goods so I organised subcategories by the means necessary to produce said goods, I organised categories by the same types of items that are all in a similar price range than each other, the randomiser will pick an item of the same category but of a different subcategory. (yogurt and cheese are in the same category, and same subcategory because the means of production is the same, so price change of one won't affect the economy as much)


Their new customizations look really nice. Just a couple little launcher tweaks (that actually look pretty nice) and the rest of Android left the hell alone. If the new Nexus wasn't right around the corner, I'd be taking a serious look at the new Motorola phones.


From Schwab -  What are the eligibility requirements for a business to establish a SEP-IRA? Almost any type of business is eligible to establish a SEP-IRA, from self-employed individuals to multi-person corporations (including sole proprietors, partnerships, S and C corporations, and limited liability companies [LLCs]), tax-exempt organizations, and government agencies. What are the contribution limits? You may contribute up to 25% of compensation (20% if you’re self-employed3) or $49,000 for 2011 and $50,000 for 2012, whichever is less. If we set the PC aside, you and the son have an LLC renting office space, this addresses the ability of the LLC to offer the retirement account.


I like Nathan's answer some, but am horribly curious as to why you have not made payments on a $3500 student loan?  If you are wealthy enough to afford a new car, this should be paid off next week.  IMHO. Above all else your financial goals should dictate if you buy a new car.  What are they for you?  If the goal is to build wealthy quickly then Nathan's advice may be to unfrugal for you.   If your goal is to impress people with the car you drive and accumulate very little real wealth then purchasing or leasing a car should be a top priority. So to answer your question correctly one must understand your goals.   For 2016, the average car payment is $479 per month.  If you invested that in a decent growth stock mutual fund in 40 years you'll have around 2.6 million.  However, you do need something to drive now.  If you can cut your car expense to $200 per month, and save the other $279 you will still end up with about 1.5 million in that same 40 years.   Personally I attempt to shoot for $200 ownership cost per car per month.  Its a bit difficult as I drive a lot.  Also I would not purchase a new car until my net worth exceeded 2 million.  At that point my investments could mitigate the steep depreciation costs of owning a new car.


Thanks! Your earlier comment had me panicked there!  I have worked about 1700 question over the last week from the Qbank, and was hoping that it would with a couple mock exams, would be sufficient for level 1.


"As others have said, if the dealer accepted payment and signed over ownership of the vehicle, that's a completed transaction. While there may or may not be a ""cooling-off period"" in your local laws, those protect the purchaser, not (as far as I know) the seller. The auto dealer could have avoided this by selling for a fixed price. Instead, they chose to negotiate every sale. Having done so, it's entirely their responsibility to check that they are happy with their final agreement. Failing to do so is going to cost someone their commission on the sale, but that's not the buyer's responsibility. They certainly wouldn't let you off the hook if the final price was higher than you had previously agreed to. He who lives by the fine print shall die by the fine print. This is one of the reasons there is huge turnover in auto sales staff; few of them are really good at the job. If you want to be kind to the guy you could give him the chance to sell you something else. Or perhaps even offer him a $100 tip. But assuming the description is correct, and assuming local law doesn't say otherwise (if in any doubt, ask a lawyer!!!), I don't think you have any remaining obligation toward them On the other hand, depending on how they react to this statement, you might want to avoid their service department, just in case someone is unreasonably stupid and tries to make up the difference that was."


Good point. It is extremely rare that something does go awry, and in the case of exports (where the units are delivered flat packed for self assembly) chances are it would be a mistake made by the person installing the shed (whether a local carpenter or the client themselves) which we would not cover under warranty unless a manufacturing or material fault was found. As all our units are put together in the workshop and checked this is unlikely.


> their ad-block / “quote of the day” screen is so toxic and poorly designed it’s unbelievable.  This really shocked me. If you want to force me to look at an ad before I get to the content I can see the commercial rationale behind it. But that quote? Thrashy, pseudo-intellectual bullshit wasting my time. WTF?


I work for a mortgage company but one that sells the loans we fund to banks. I've never heard of that risk mitigation incentive (lower rate for auto payments) but I know for a fact you will have a higher interest rate if you choose to pay your taxes and insurance out of your own pocket and not escrow them. I would contact the CFPB instead of an attorney and they will be able to tell you very quickly whether this is an acceptable practice or not.


"This is the best tl;dr I could make, [original](https://www.usatoday.com/story/money/2017/10/06/hurricanes-batter-payrolls-33-000-jobs-lost-sept/737990001/) reduced by 87%. (I'm a bot) ***** > The unemployment rate, which is calculated from a different survey than the headline job totals, edged lower because gains in the number of people employed outpaced an increase in the labor force, which includes people working and looking for jobs.  > The drop in unemployment likely means it will become even tougher for employers to find job candidates, forcing them to raise pay more substantially and juicing inflation that has been persistently sluggish.  > Hurricane Harvey barreled into the Houston area in late August and Irma lashed Florida in early September, shutting down many businesses and making it difficult for workers to travel to job sites.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/74oszb/hurricanes_blamed_as_33000_jobs_lost_in_september/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~223354 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **job**^#1 **work**^#2 **Unemployment**^#3 **year**^#4 **rate**^#5"


That's a good point. What I should say is that PF doesn't lose money on each gym user the way Moviepass does. My understanding is that Moviepass gets a flat subscription fee from each user per month and then, whenever a user wants to buy a movie ticket, Moviepass go out and purchase the movie ticket at full market value (the same price that the customer would pay if they just went to the theater and bought one). For example, if a user pays $10 a month for a pass and decide to see two movies in that month, they've already lost money on that customer. And two movies in one month isn't really crazy for some of the people who go enough that a monthly pass makes sense.  And all this is assuming that ticket prices are lower than the subscription fee; where I live, the ticket prices are actually a little bit higher. If Moviepass was here even *one* movie would make me an unprofitable customer for them (looking just at subscriptions, of course).  The data analytics play is the only viable strategy I can imagine for this. I understand that certain business models rely on overbooking, but I can't think of one where each customer that uses the service actually loses the business money.


"This is the best tl;dr I could make, [original](http://betterfuture.xyz/2017/10/07/why-the-penny-must-die/) reduced by 88%. (I'm a bot) ***** > The United States Mint admitted that, &quot;There are no alternative metal compositions that reduce the manufacturing unit cost of the penny below its face value.&quot; Thus, unless they were to be made out of plastic, the penny will always cost more to produce than they are worth; yet, the U.S. Mint continues to manufacture 4 billion pennies each year.  > The penny lobby &quot;America For Common Cents&quot; argue that without the penny, prices would rise and charitable contributions will fall.  > At the time when Sweden removed the 50 &ouml;re, it was worth approximately 5 cents - mayhap we should look into getting rid of more than just the penny.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/75ad2p/it_costs_18_cent_to_manufacture_each_penny_the/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~224964 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **penny**^#1 **cost**^#2 **removed**^#3 **worth**^#4 **even**^#5"


Russia main reserve is Euro, Gold and Yuan. They have dumped good sums of dollar since way back. The rest of oil buyers would gladly pay russians in whatever currency they want, specially if it is non dollar. Cheap oil on cheaper currency?  Who doesn't want that?  The chinese pay their oil in Yuan. Russian gladly takes Yuan, since its the most liquid currency in pacific, not to mention china is their no.1 trading partner.


Supplier of Quartz Powder in India http://quartzpowdermanufacturers.com/supplier-of-quartz-powder-in-india.php Shri Vinayak Industries is a prominent supplier and Manufacturer of Quartz Powder in India. Quartz is the most common mineral which is composed of silicon and oxygen and its chemical composition is silicon dioxide, SiO2. It is chief component of igneous, sedimentary and metamorphic rocks. Quartz is very durable and its durability makes it most commanding mineral. Its size varies from small particles to metric ton. Quartz Stone in its pure form is colorless, but generally it is colored by impurities.


There are two separate cases here that people are not separating. Any card will allow you to pay an amount not exceeding the actually posted charges.  Some cards will allow you to pay more than this, some will not.  My parents have deliberately overpaid as a means of having a higher credit limit, I've been denied (different card) when trying to do the same thing and the website wouldn't even allow me to pay temporary charges that hadn't yet become real.  (A human operator would allow paying those, though.)


"First of all, metals are commodities. So if you're phrasing that as metals and/or commodities, then that's poorly worded. If you're phrasing that as ""metal commodity reports"" then say as such.   Second, and more importantly: what commodities? Power is very different than coffee. Different places specialize in different things, all banks are good in some and weak in others. There's no generic ""commodity"" market but rather a huge range of specifically different products traded in the future.You learn more than a small fraction of this universe so pick one or two specific products from the macro buckets (i.e. energy, grains, metals) and focus on those."


We can go back and forth all day if this should be illegal, should there be qualifications, standards etc. The bigger issue at hand really is what qualifies as being able to live a basic standard of living in regards to income. Can we even define this? This is the core of the issue at hand. Does someone who was making 40k a year deserve it more or less than someone who was making 1mil a year? I don't know. I do know this, if i can make 100k a year and still live a great life with the ability to save enough to have enough stashed away for 6-8 mos of unemployment, why can't people making 1 million+? It should be rather apparent why people making 40k a year can't  do that as easy.


I mean some people are trying to climb  in the caste system; Others are pushing down trying to prevent those people from climbing up and joining them. India is a very complex socioeconomic landscape.  Currently, Indian IT workers will quit as soon as they find a better offer having produced little in the current/previous role. These are the social climbers. Those that are trying to prevent the lower castes (who have affirmative action benefits) from having the same opportunities because this makes their own livelihood more competitive.  They must now complete harder where before it was easy to get a managerial position for them. Much like racism in the US.


No.  1)  Everyone should cultivate the ability to see the ridiculous in themselves and in their situation.  2)  When you properly verify information, the original source no longer matters  3)  There is no Media I feel I can trust right now, so I might as well indulge in Media I enjoy.  I just need to verify information before I act on it.


"Just came across [this Economist](http://www.economist.com/news/leaders/21608751-restricting-companies-moving-abroad-no-substitute-corporate-tax-reform-how-stop) article, they make it sound quite straight forward and I don't think they can be called totalitarian leftists by any stretch.  Here is the money quote.  > America’s corporate tax has two horrible flaws. The first is the tax rate, which at 35% is the highest among the 34 mostly rich-country members of the OECD. Yet it raises less revenue than the OECD average thanks to myriad loopholes and tax breaks aimed at everything from machinery investment to NASCAR race tracks. Last year these breaks cost $150 billion in forgone revenue, more than half of what America collected in total corporate taxes. >  > The second flaw is that America levies tax on a company’s income no matter where in the world it is earned. In contrast, every other large rich country taxes only income earned within its borders. Here, too, America’s system is absurdly ineffective at collecting money. Firms do not have to pay tax on foreign profits until they bring them back home. Not surprisingly, many do not: American multinationals have some $2 trillion sitting on their foreign units’ balance-sheets, and growing.   It seems clear that the 35% rate is not the driving reason for these huge companies doing inversions. That 35% rate should almost certainly be cut down, but the loopholes and tax breaks need to stop as a condition of a rate cut.   Clearly this is not a dead simple issue, but I just don't want to hear the silly argument of ""oh our poor mega corporations are having to pay the highest taxes in the world!"" when the tax environment in the US is clearly rigged in their favor. Small and mid sized companies that can't afford their own Congressman sure are getting fucked though, and that makes me sad."


Jannat Al Quran is a unique Islamic Online Institute. It is a non-profit organisation registered in the UK.  Our teachers are native Arabic Egyptian teachers who are dedicated to helping students of all ages and levels learn Quran online. No matter where you are around the globe we welcome you to start your learning journey with us. Please visit our website to know more about our Quran classes and offers.


Their paperwork should help you along.  Schwab is the broker and custodian, you are the administrator.  There's virtually no paperwork after the account is opened, until you hit $250K in value, and then there's one extra IRS form you need to fill out each year.  See One-Participant 401(k) Plans for a good IRS description of form 5500. Disclosure - I use the Schwab Solo 401(k) myself, and the only downsides, in my opinion, the don't offer a Roth flavor, and no loans are permitted. Both of these features would offer flexibility.


"Say you need to use Einstein's field equations at work. If your job is to find the ""one equation to rule them all"" than you should ask questions concerning the validity of the equations and try to unify them in the quantum realm. But like most of us, if your job is find tune the many knobs that govern the output, you don't need to use math beyond what is already packaged in libraries. You still need to know what the equations are and what they do, but your interaction with them on a daily basis is call function X on object Y."


**Doping in Russia**  Doping in Russian sports is a significant issue. Russia has had the most (37) Olympic medals stripped for doping violations – four times the number of the second country. From 2011 to 2015, more than a thousand Russian competitors in various sports, including summer, winter, and Paralympic sports, benefited from a cover-up.  Media attention began growing in December 2014 when German broadcaster ARD reported on state-sponsored doping in Russia, comparing it to doping in East Germany.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.24


I wrote this in another thread but is also applicable here. In general people make some key mistakes with property: Not factoring in depreciation properly. Houses are perpetually falling down, and if you are renting them perpetually being trashed by the tenants as well - particularly in bad areas. Accurate depreciation costs can often run in the 5-20% range per year depending on the property/area. Add insurance to this as well or be prepared to lose the whole thing in a disaster. Related to 1), they take the index price of house price rises as something they can achieve, when in reality a lot of the house price 'rise' is just everyone having to spend a lot of money keeping them standing up. No investor can actually track a house price graph due to 1) so be careful to make reasonable assumptions about actual achievable future growth (in your example, they could well be lagging inflation/barely growing if you are not pricing in upkeep and depreciation properly). Failure to price in the huge transaction costs (often 5%+ per sale) and capital gains/other taxes (depends on the exact tax structure where you are). These add up very fast if you are buying and selling at all frequently. Costs in either time or fees to real estate rental agents. Having to fill, check, evict, fix and maintain rental properties is a lot more work than most people realise, and you either have to pay this in your own time or someone else’s. Again, has to be factored in. Liquidity issues. Selling houses in down markets is very, very hard. They are not like stocks where they can be moved quickly. Houses can often sit on the market for years before sale if you are not prepared to take low prices. As the bank owns your house if you fail to pay the mortgage (rents collapse, loss of job etc) they can force you to fire sale it leaving you in a whole world of pain depending on the exact legal system (negative equity etc). These factors are generally correlated if you work in the same cities you are buying in so quite a lot of potential long tail risk if the regional economy collapses. Finally, if you’re young they can tie you to areas where your earnings potential is limited. Renting can be immensely beneficial early on in a career as it gives you huge freedom to up sticks and leave fast when new opportunities arise. Locking yourself into 20 yr+ contracts/landlord activities when young can be hugely inhibiting to your earnings potential. Without more details on the exact legal framework, area, house type etc it’s hard to give more specific advise, but in general you need a very large margin of safety with property due to all of the above, so if the numbers you’re running are coming out close (and they are here), it’s probably not worth it, and you’re better of sticking with more hands off investments like stocks and bonds.


Agreed. I had a relatively fresh (five years old) Chap. 7 bankruptcy on my record when a potential employer ran a credit check prior to employment.   When I signed the form OKing the check, I told them what they'd find and said I was happy to explain it. I wrote a letter, they put it on file for the insurer (I needed to be bonded for this job -- I was co-signing six-figure checks) and it was fine.