You could have both options exercised (and assigned to you) on the same day, but I don't think you could lose money on both on the same day. The reason is that while exercises are immediate, assignments are processed after the markets close at the end of each day. See http://www.888options.com/help/faq/assignment.jsp for details. So you would get both assignments at the same time, that night. The net effect should be that you don't own any stock (someone would put you the stock, then it'd be called away) and you don't have the options anymore. You should have incoming cash of $1500 selling the stock to the call exerciser and outgoing cash of $1300 buying from the put exerciser, right? So you would have no more options but $200 more cash in your account in the morning. You bought at 13 and sold at 15. This options position is an agreement to buy at 13 and sell at 15 at someone else's option. The way you lose money is if one of the options isn't exercised while the other is, i.e. if the stock is below 13 so nobody is going to opt to buy from you at 15, but they'll sell to you at 13; or above 15 so nobody is going to opt to sell to you at 13, but they'll buy from you at 15. You make money if neither is exercised (you keep the premium you sold for) or both are exercised (you keep the gap between the two, plus the premium). Having both exercised is surely rare, since early exercise is rare to begin with, and tends to happen when options are deep in the money; so you'd expect both to be exercised if both are deep in the money at some point. Having both be exercised on the same day ... can't be common, but it's maybe most likely just before expiration with minimal time value, if the stock moves around quickly so both options are in the money at some point during the day.


Wrong message. I initially thought this was true, but it's not as cut and dry as people want to make it seem like it is. People usually try to say that he's just a bad CEO for Sears, and while this is completely true, the long game isn't as cut and dry.   By buying a majority of Sears, he's using his power to authorize the sale of properties to himself, which he's then re-leasing back out when Sears fails to pay him (as Sears' landlord). Lampert isn't looking to fix the house -- he's looking to put the homeowner out of business, buy it, re-lease it to the homeowner, hike up the rates, then when the homeowner can't pay, re-lease it back out to someone else.   It's very tangled and that's exactly why shareholders are going to lose big time when Sears declares Chapter 7 bankruptcy.


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Options are contractual instruments. Most options you'll run into are contracts which allow you to buy or sell stock at a given price at some time in the future, if you feel like it (it gives you the option). These are Call and Put options, respectively (for buying the stock and selling the stock). If you have a lot of money in an index fund ETF, you may be able to protect your portfolio against a market decline by (e.g.) buying Put options against the ETF for a substantially lower price than the index fund currently trades at. If the market crashes and your fund falls in value significantly, you can exercise the options, selling the fund at the price that your option has specified (to the counter-party of your contract). This is the risk that the option mitigates against. Even if you don't have one particular fund with your investments, you could still buy a put option on a similar fund, and resell it to another person in lieu of exercise (they would be capable of buying the stock and performing the exercise themselves for profit if necessary). In general, if you are buying an option for safety, it should be an option either on something you own, or something whose price behavior will mimic something you own. You will note that options are linked to the price of stocks. Futures are contracts whose values are linked to the price of other things, typically commodities such as oil, gold, or orange juice. Their behaviors may diverge. With an option you can have a contractual guarantee on the exact investment you're trying to protect. (Additionally, many commodities' value may fall at the same time that stock investments fall: during economic contractions which reduce industrial activity, resulting in lower profits for firms and less demand for commodities.) You may also note that there are other structures that options may have - PUT options on index funds or similar instruments are probably most specifically relevant to your interests. The downside of protecting yourself with options is that it costs money to buy this option, and the option eventually expires, so you may lose money. Essentially, you are buying safety and risk-tolerance from the option contract's counterparty, and safety is not free. I cannot inform you what level of safety is appropriate for your portfolio's needs, but more safety is more expensive.


No you don't.  You remove the job in this country and send it to another.  People would mind less if they were given the option of following their job to the new country with its cost of living reduced with their new wage.  Probably few would take the option, but at least you would not be SOL.


>assuming he's a legacy  ...  >assuming he didn't have high grades or get in on merit just because he may have had wealthy parents  ...  >assuming he had wealthy parents in the first place  ...  >keeping these assumptions despite the fact that he clearly made good grades at Princeton, judging by him getting a job with a company that only recruits the top of the class  Probably gonna say he just got good grades because he was rich next, right? Or that [Goldman](https://www.wallstreetoasis.com/forums/gpa-cutoffs-0) ignored low grades because he went to Princeton.  *Someone* seems a little butthurt that they aren't as successful as they hoped to be.


In the United States, when applying for credit cards, proof of income is on an honor system. You can make $15k a year and write on your application that you make $150k a year. They don't check that value other than to have their computer systems figure out risk and you get a yes or no. It was traditionally easy to attain credit, but that got tightened in 2008/2009 with the housing crisis. This is starting to change again and credit is flowing much more easily.


If you were looking to maximize your ability to save in a qualified plan, why not setup a 401K plan in Company A and keep the SEP in B? Setup the 401K in A such that any employee can contribute 100% of their salary.  Then take a salary for around 19K/year (assuming under age 50), so you can contribute and have enough to cover SS taxes.   Then continue to move dividends to Company A, and continue the SEP in B.  This way if you are below age 50, you can contribute 54K (SEP limit) + 18K (IRA limit) + 5500 (ROTH income dependent) to a qualified plan.


The thing about the US and oil is that, we both produce and consume a lot of it. Yes the oil producing parts of the US economy benefit from a higher oil price and are hurt by a lower oil price, but the oil consuming sectors of the US economy benefit from a low oil price. So, it's hard to say definitively whether lower oil prices hurt or help the US as a whole. Although, I personally suspect that low oil prices benefit the USA economy more than they hurt it.


"> its a more efficient way to use the whole cow  And if they add more stuff, then you can even use 150% of the cow! Love those unlabeled additives!  P.S. Ever heard of prions? CJD? Mad Cow Disease? ""Using the whole cow"" isn't always a good thing."


> It doesn't have what Amazon wants or needs.  Except it literally has everything but transit. And even then, we rank pretty low for traffic congestion overall. Just slap down a commuter rail and expand bus services and we'd be on par with most other metros.


Well, what you are asking is EMI, which comes to 30.78 in your case.  The formula you are applying is of compounding a value, which is completely different.  In EMI, person keeps paying money every month or any other period as specified. This amount is firstly allocated towards the interest for the period and the balance for principal amount. So, in effect principal keeps decreasing and subsequently interest thereon. Also, since, interest is getting paid every time it becomes due, compounding actually do not happen at all.  In the case of compounding, interest gets applied at certain interval, but do not get paid. So, in effect every time when interest gets applied, it applies on complete Principal outstanding as well as interest unpaid. Hence, this complete amount gets payable at the end. In this case, total amount payable is obviously high, because of 2 reasons: 1. Since, Principal gets unpaid during whole period, you are paying interest on complete amount for complete period.  2. You will be paying interest on interest (compounding of interest) since you are not paying it as it is becoming due. Hence, both are different. You need to find EMI calculator or EMI formula, to achieve your purpose. EDIT: The formula for calculating EMI: Assuming a loan of Rs. 1 lakh at 9 % per annum, repayable in 15 years, the EMI calculation using the formula will be: EMI = (1,00,000 × 0.0075) × [(1 + 0.0075) 180 ÷ {(1+0.0075) 180 } - 1] = 750 × [3.838 ÷ 2.838] = 750 × 1.35236 = 1,014


You can. Almost anybody (barring medical issues) can, the drudgery will be intense and utterly soul sucking.   Sure fire formula: Spend very little, save everything and put down down payments on rental houses.  It will eventually get you millions even if everything goes very wrong after 30 years.  It should work out into the millions somewhere between 15-25 years.


I suppose you can calculate the rate of return on buying a home in terms of appreciation, expenses, inflation, taxes, etc.  Nothing wrong with that. The method justkt came up with is accurate, but when you get the number out I wouldn't worry if the return is negative. Why?  Because you've lived there and enjoyed the house the whole time (I'm assuming anyway that this is your residence you're purchasing).  If you come out even the slightest bit ahead, congratulations!  You had a free place to live the whole time, plus you made a little money on the deal. If you lost money, then oh well.  You still had a place to live.


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"Yes this is possible in the most liquid securities, but currently it would take several days to get filled in one contract at that amount There are also position size limits (set by the OCC and other Self Regulatory Organizations) that attempt to prevent people from cornering a market through the options market. (getting loads of contacts without effecting the price of the underlying asset, exercising those contracts and suddenly owning a huge stake of the asset and nobody saw it coming - although this is still VERY VERY possible) So for your example of an option of $1.00 per contract, then the position size limits would have prevented 100 million of those being opened (by one person/account that is). Realistically, you would spread out your orders amongst several options strike prices and expiration dates. Stock Indexes are some very liquid examples, so for the Standard & Poors you can open options contracts on the SPY ETF, as well as the S&P 500 futures, as well as many other S&P 500 products that only trade options and do not have the ability to be traded as the underlying shares. And there is also the saying ""liquidity begets liquidity"", meaning that because you are making the market more liquid, other large market participants will also see the liquidity and want to participate, where they previously thought it was too illiquid and impossible to close a large position quickly"


I assume that when this actually matters for calculations with money on the line (if there is a need to calculate the probability of hitting a knockout, getting called out of a position, stop loss, etc.) many of these people will use the actual formulas that will give them the correct answers.


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Apple's strategy in India has been bad over the years.   Initially, their official launches of their phones was nearly 1 year late. So people who wanted those phones either got them by going overseas or getting it through someone. Or black markets, without official warranties.  Then they tried to do the same kind of marketing like in US, of carrier-specific phones which are not even subsidised, totally ignoring the norms of the Indian markets (most phones are sold separately from the mobile plans). Why would anyone in the right mind buy a full priced phone and still get stuck with one company's overpriced iphone specific plan only? or buy an older iphone with subsidised mobile plan?  Apple strategy has to take the primary blame.


Just 30 years ago China was at a level that is now found in countries of Africa. They have been progressing faster than any country that went from deep poverty to a modern economy.  Of course, they are still a couple of decades away from being at the level of Western Europe and the US, but the gap is closing fast.


This More or Less podcast has a fantastic section on executive pay in the US and UK. With some economists whose research determined that there is basically no relation between remuneration and performance.  In Germany, Switzerland etc where there are different rules and factors there is less overall executive pay and it is far more tied to performance.   http://downloads.bbc.co.uk/podcasts/radio4/moreorless/moreorless_20120511-1640a.mp3


3G capital is one of the major holding companies of Heinz.  They own (co-own) many major bands, such as Burger King.  They are known for completely gutting the core values these companies were built on.  All the matters to them is cost cutting (often food/product quality, salaries, wages, benefits, company perks, company celebrations, etc).  They promote a zero based budget meaning every organizational expense is tirelessly scrutinized in the search of slimmer costs to increase profit.  They embody all the is wrong with capitalism when it comes to society-at-large.  So how does this guy play into it?  They are also known for promoting their young employees quickly.  It effectively allows them to pay young employees less for more work.  I know first hand, it creates a culture of young people working long hours for low pay with the hopes of being the next rising star.  People like this 29 year old CFO may be compensated well, but likely has most of the compensation held in bonuses for short-term results.  The result is very quick employee burnout and turnover, and zero work-life balance.  All i can say to finish this rant off is that in the short-term, the system 3G is putting into place for the companies they are absorbing is effective for trimming costs and increasing profits for shareholders.  Long-term, the low pay, long hours, and zero family values is and drain on society.  They are a cancer in the business world.  Read some articles about their takeovers of Heinz, Burger King, Tim Hortons.  Their treatment of employees is horrific, again I've seen it first hand.  Head over to /r/Canada and read how Canadians now view the products and values of their once beloved Tim Hortons.


There are a number of ways this can result. In a broad ETF, such as SPY, the S&P 500 spider, the S&P index will have 500 stocks no matter what, so a buyout would simply result in a re-shuffling of the index makeup. No buyout will happen so quickly that there's no time to choose the next stock to join the index. In your case, if the fund manager (per the terms of the prospectus) wishes to simply reallocate the index to remove the taken-over stock that's probably how he handle it.  Unless of course, the prospectus dictates otherwise. In which case, a cash dividend is a possible alternative.


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Qbank is superb for level 1 but for Levels 2 and 3 you really gotta do the hardest ones, aka the item sets.  I would suggest doing 3 full practice exams and recognizing where you need work with 1-2 weeks to spare before exam day


I'm familiar with the quote. The institution you donate to can keep you anonymous. The person actually benefiting is not aware of your generosity. This is how I understand the biblical meaning.  By the way, a number of people who donate, do not take the tax deduction, so as to not benefit. To them I suggest they calculate the refund, and add that to their donations the next year.


"> All companies are incorporated. It's the definition of a company.  That is incorrect; you have to follow specific legal procedures (the exact procedure seems to vary per state) to give a company the legal status of being ""incorporated"".  Dunno about incorporated companies automatically being ""public institutions"", but all companies are definitely not automatically incorporated."


If they don't spoil, you can still get some marginal benefit if buying in bulk means you avoid the need for a trip to the shops to get a replacement. If the item is a commodity that you will use eventually you are unlikely to lose out as the prices tend to remain fairly stable. There's also the inconvenience factor, I like to have plenty of some items so I'm not caught short, consider how important your furnace is in mid winter, or the inconvenience of running out of an item right when you need it.


A mortgage lender will not usually lend more than they could get if they had to repossess the property and sell it to recover their investment (in the U.S. it is generally accepted that 80% of market value is the golden number that makes the mortgage work).  That's why an appraisal is required. Even with 50% down, the numbers might not add up if your property is appraised very low (extremely unlikely, though. It's more likely your realtor is inexperienced).


The research was comparing grocery chains in Manhattan, who all would have similar costs, and WF was the second cheapest.  It's not apples to apples if you're comparing prices at stores in locations that would have different costs of doing business. Of course things will be cheaper way out in the Bronx than in midtown Manhattan.


"Hit you local library and pick up a copy of ""Critical Business Skills for Success"" by The Great Courses.   It's a 30 hour audio book, but is an amazing business crash course. I wish I would have found it before trying (and failing) my own business."


This is basically a math problem. It depends on the pension benefits, the lump sum, and the chance that the company doesn't honor its pension plan. If you're willing to share the first 2 and the company name, it's possible to roughly figure out the odds of the third if your company has bonds or CDS. Maybe some bored analyst would do it for you here, or you could probably hire a financial advisor for an hour or 2 to figure it out.


And a lot of people just don't read. It always throws me for a loop to visit someone's home to see not a single book in the place. But it happens all the time. And that is not a sign of someone who likes to borrow from the library or reads on a tablet. That is someone who just doesn't read.


Yes. There's a long tradition of this going back to the Roman Empire. It's called the dispersal of power. It's the fundamental reason why democracies are the least worst form of government, just after everything else.   https://www.youtube.com/watch?v=rStL7niR7gs  Of course, actual equity and zero corruption would be ideal, but to be able to maintain the illusion of something like that, and have many wealthy interests compete for influence does a better job of dispersing power.  EDIT: The Roman Republic was somewhat good at dispersing power, but things broke down into the Empire. However, throughout the history of Rome, there were powerful wealthy interests that also held power, and these patterns carried forward into the middle ages and Renaissance.


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I've read online that 20% is a reasonable amount to pay for a car each month - Don't believe everything you read on the internet.  But, let me ask, does your current car have zero expense? No fuel, no oil change, no repairs, no insurance? If the 20% is true, you are already spending a good chunk of it each month. My car just celebrated her 8th birthday. And at 125,000 miles, needed $3000 worth of maintenance repairs.  The issue isn't with buying the expensive car, you can buy whatever you can afford, that's a personal preference. It's how you propose to budget for it that seems to be bad math. Other members here have already pointed out that this financial decision might not be so wise.


However, recently Ford has been making moves to start producing some of their cars in Mexico...and they have been trying to make a case to Trump to not increase the import tariff to 35% on vehicles imported from Mexico because it would eat up all their profits. It is funny how the tables have turned.


It's an artifact of risk-neutral pricing, but the intuition is this:  A call option can be viewed as a levered equity position - meaning, you can get the same exposure by borrowing money and buying the stock.    Say you can buy some call options for $150 with a position delta of 1 (so it looks just like the stock).  You could also buy the stock outright for $1000 (by borrowing $850 at the risk-free rate and using your $150 cash).  If the risk-free rate rises, your cost of carry on the stock position increases.  In the case of the call option, the change in price can be viewed as the cost of *leverage* increasing.


"I'm not a fan of ""You have $2000 worth of transactions before you have to give us your checking account number"", even though they are nice enough to let us delete and recreate our accounts.  I wonder how many of the cuts are engineers and how many are bureaucrats."


"There is also the aspect of [time taken during the day to eat.](https://www.forbes.com/sites/tombarlow/2011/04/15/americans-cook-the-least-eat-the-fastest/#3428a01f4162)  (Note:  Article from 2011.  I mean this overall message as a ""this is also a factor."")  Full breakfast?  No time, need to get to work, will grab drive through and a coffee on the way.  Lunch?  Half an hour?  If you don't take something from home (and who WANTS to take the time after work to make up tomorrow's meal,) you need something close and easy to wolf down.  Supper?  Ugh, so worn out from the day.  If a person doesn't even want to make up tomorrow's lunch, why go through complicated tonight."


For many that is simply not true.  Too many Americans are born into the same poverty and lack of opportunities that they will die under...   In vast swaths of the US there is very little opporunity for many reasons, even where there is opportunity, usually only those who are already privileged have access to it.


You should consult a US CPA to ensure your situation is handled correctly.  It appears, the money is Israel source income and not US source income regardless if you receive it while living in the U.S. If you file the correct form, I suspect the form is 1040NR and your state form to disclose your income, if any, in 2015 and 2016, it should not be a problem. Having said that, if you do earn any type of income while in the U.S. , you are required to disclose it to both the IRS and state.


You can trade an index by using a Contract For Difference, or CFD. Various brokers offer this method and the spreads are quite low. They tend to widen outside of market hours, and not all brokers offer the same spreads. I would look for a broker that offers the lowest spread on the index you are interested in. You should also do your due diligence and check they are regulated by the relevant authority  pertaining to their territory, eg FSA for uk


One wonders how quick Trump will be to deflect any connection to the markets when they inevitably turn.   For this very reason, past Presidents tended to be very cautious about connecting their job to something that they only have a very distant and tenuous connection to.


My thinking is that since the last time a drop like that happened was back in the early 1930's, calling a drop of that magnitude, even if off by 2 years, is still an impressive feat. That's equivalent today to calling the SP500 to be under 400 by a certain date. Sheer insanity to make that kind of call.   Not saying either of us is correct, I think we just have different perspectives on accuracy.


> While I'm talking to an Estonian, how's Estonia doing these days?  The current party in power is having a financing scandal. Allegedly one of their current ministers organised money laundering schemes while being the secretary of the party years ago, but it goes a lot deeper than that, he's refusing to step down, and an investigation into this by the state prosecutor was shut down due to lack of evidence.  The guy is the minister of justice, so the state prosecutor actually answers to him directly.  At times it feels like we're living in god damn India or something.


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"Listen guys.  The TPP only benefits multi nationals. Don't let this propaganda make you think that somehow ""small farmers"" would benefit from a deal that no one has seen, can't read, can't edit, cannot debate, can't change, doesn't sunset and you can't get out of it.    Also,  pro TPP ""opinion influencers"" don't speak to me or you will be flagged as spam.    Edit: spelling"


First step is to see if you have any family members which can co-sign for you so you can get a credit card, then from there as you pay off the credit cards payments you can slowly build credit. However, since you don't have any previous credit history it'll be a slow process. I think that would be a good first step in the right direction. Alternatively, you can see if close relatives such as your parents can help pay for a financial advisor who can help you much better with issues like these


"Does some official tell the Foreign Exchange the the new exchange rate for the yuan is 0.98 * the current exchange rate? For China (and other countries with fixed/controlled exchange rates) - that's exactly how it happens. Does it just print more? This is the way to go for fully convertible currencies (like the USD, EUR, GBP, and handful of others, there're about 20 in the world). Flood the market and as with any commodity - flooding the market leads to a price drop. Obviously ""just print more"" is much harder to do than picking up the phone and saying ""Now you're buying/selling dollars at this price and if you don't I'll have you executed""."


In your other question about these funds you quoted two very different yields for them. That pretty clearly says they are NOT tracking the same index.


> I do this for a living  I think that's become painfully obvious. Take this as a learning experience, pink slime is NOT acceptable, misleading labeling is NOT acceptable.  > They're designed to not be misleading.  They are marketing and are designed to lie and deceive the consumer. Those involved should be jailed for what they do (sounds like you) as an example of both fraudulent trading (since that is what it is), and corruption (since the only reason the law allows you, is because you bribed someone).  Take a long hard look at yourself.


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"And this investment and money is under control? HAHAHAHAHAHA   Awesome. Looks more and more like a Ponzi the further and further you go. Please, explain how having the fed purchase our own debt is ""under control"" please. Show me some other great empire in history that managed to purchase its own debt."


The company struck a truce with Elliott. They elected 3 of Elliott's nominees to the board, agreed to annual board elections, and placed Elliott on the committee for the firm's CEO search (Elliott targeted their previous CEO trying to push change and he had to resign after sending a threatening letter to Elliott).


Geely owns the Volvo car corporation, which used to belong to the Volvo company. The Volvo car corporation was a relatively small part of the greater Volvo group, which Geely has absolutely no control over whatsoever. I know it's easy to look at Volvo and imagine a car, but it was really the least profitable part of the company for a long time. Volvo is involved in trucks, aircraft, boats, construction, owns a chunk of Renault and outright owns Mack trucks. It's a big company with some 90 000+ employees.


>companies supplying the electricity  For the most part, the transaction costs make trying to play EON, RWE, EDF, et al on the short term basis useless. Those companies are all so big and hedged that almost any pricing scenario isn't going to materially impact them. This isn't PGAE circa 2000.


"My statement was that ""contractors"" who ""outnumbered troops on the ground"" being painted as security contractors was incorrect. That statement, even at it's most conceptual, isn't really accurate in spirit since the vast majority of contractors were Iraqi's working on different projects which had nothing to do with the military element of the occupation and everything to do with nation building or base support."


Fair enough. The economy isn't doing so well, and employment is struggling. Still, by no stretch of the imagination do real jobs with benefits not exist anymore. Yes, unemployment and part-time status combined sum to tens of millions of people, but that number is still smaller than the number of people with full-time employment status.  I feel for anybody who doesn't have a good job situation, but things will get better eventually.


I understand the aggression because the logic permeates into individual income taxes and can really negatively affect lives. I mean I really essentially at some point am being forced to chose between sane financial stability or a feeling of identity of the country I am from. I hate that I'm in that position and I hate the politicians and the people that enable them even more. FATCA passed the Senate with 80 votes. It was part of a jobs bill, so GOP went against it in the House, but they still supported that position. They only changed their tune about that one just last year after allowing both parties to trample all over citizens living abroad. But there's only a few million of us and it's distributed across states, so our votes just don't matter.


govt debt and money printing is nothing to the amount of debt in circulation in the private sector (41 trillion).  it was the private sector that created the inflation and bubbles.     giving students 1 trilion to pay off all student loans isn't inflationary, it would be deflationary.  because the banks created the credit out of thin air to lend to the students for college, if you pay it back, it closes the circuit.   Govt would have 1 trilion in debt, but that's nothing, only a trilion dollars.   it can get paid back in tax revenue from economic recovering by the private sector no longer burdened by debt.


It doesn't matter. An email service does not appear less professional then a URL.  While a URL is nice, it's not a major eyegrabber in the world of professionalism, only how you manage yourself and the work you put out will determine your professionalism.  In the end, don't worry about the email; worry about the work and the quality.


If you want to work within that constraint, then I sincerely suggest you find a credit councilor.  It may take you a while to dig out of debt, but with a little help from someone that knows the ropes, you can do it!  Remember, even though you want to pay back those debts, many times the sky-rocketing interest rates work against you.  Most of the good councilors know how to work the system to get these rates reduced, and sometimes even get the interest you've already accumulated reduced.


Why the hell is health care still tied to employment?  Does anyone really think that is a reasonable function of business?  All this does is make hiring human workers less attractive.    Guess what.  Thanks to automation and outsourcing business owners increasingly have the choice to do without the hassle of hiring people, especially poor, unskilled people these sorts of 19th century programs are designed to help.  My heart goes out to those these sorts of short-sighted programs hurt the most (the poor), but blaming businesses for the mess is misdirected in the extreme.  Maybe you think that business is evil, but in this case it is clearly and unquestionably the system created by the regulatory environment that has created the undesired outcome.  The thing to always remember and keep in mind is the fact that businesses first and formost provide goods and services at the highest quality and lowest cost possible. Making labor more expensive means that businesses will do everything possible to use as little of it as possible when creating their good/service.  If you want socialized health-care then fine, advocate for the government providing this service directly.  Attempting to get 'health-care for free' by mandating businesses pay for it is simply a wrong-headed way to go about it that guarantees less employment **and** less health-care for the poor.


Dude you're literally trying to insult me by saying I have a job I don't have, but I guess there's not much you can actually say about my dope ass life. Go back to asking Reddit about which bars in NYC you can go to to make friends you awkward neckbeard lmaoo, talk about pathetic.


First, a Roth is funded with post tax money. The Roth IRA deposit will not offset any tax obligation you might have.  The IRA is not an investment, it's an account with a specific set of tax rules that apply to it. If you don't have a brokerage account, I'd suggest you consider a broker that has an office nearby. Schwab, Fidelity, Vanguard are 3 that I happen to have relationships with.  Once the funds are deposited, you need to choose how to invest for the long term. The fact that I'd choose the lowest cost S&P ETF or mutual fund doesn't mean that's the ideal investment for you.  You need to continue to do research to find the exact investment that matches your risk profile. By way of example, up until a few years ago, my wife and I were nearly 100% invested in stocks,  mostly the S&P 500. When we retired, four years ago, I shifted a bit to be more conservative, closer to 80% stock 20% cash.


Also a good point. I think that happens, but given the amount of work available here (bay area) it would still be easier to find another job after layoffs. Also considering the increase in average CEO /executive age in the last 40 years, and the increasing retirement age -higher leveled inside promotions are becoming less frequent. But as to the original comment, years ago he did the cost benefit analysis and chose to stay - seems as valid for me to be doing the same (albeit different conclusion).


"The people who benefit are large engineering and construction companies, manufacturers of construction equipment, bankers and lawyers.  So in the world of realpolitik that we live in, the misery of millions of ""other people"" is spun as a net benefit, because ""we"" benefit from that misery."


Could it be done? Yes, it could, subject to local law. A variant of such an approach has been suggested for those countries experiencing collapse of demand. One might consider whether whether it applied to secured loans (such as mortgages), unsecured loans, or both; whether it would be capped at a certain absolute (say £100k) or proportional (first 50%) of each mortgage; whether it would cover first homes only, or all homes; and so on.  These details would radically change the feasibility and consequences of any such intervention. See the related question: https://economics.stackexchange.com/q/146/104 Such a policy of debt cancellation would have several consequences beyond initial stimulation of demand, that would need additional policies to deal with them. Inflation The resultant surge in demand would, in the absence of any other intervention, result in a massive surge in inflation. There are some interesting questions about whether this burst of inflation would be a one-off, or not. One could make an argument that as housing has become much more affordable (at least for home-owners), it would increase the downward pressure on wages, which would be in itself counter-inflationary in the medium-long term. Nevertheless, it would be injecting much more money into the economy than has been seen in QE to date, so the risks would be of extraordinarily high inflation, which might or might not get entrenched. In order to manage the short-term risk, and long-term inflation expectations, it might be necessary to incorporate a lot of tightening, either fiscal (higher taxes and/or lower public spending), or monetary: (higher interest rates, unwinding QE, new requirements for higher core capital for banks) Moral hazard There are risks of moral hazard for individuals: however, as a society, we were prepared to accept the moral hazard for financial institutions and their staff, so that may or may not be an issue: it is likely to be a question of long-term expectations. If the expectation is that this is at most a once-in-a-lifetime occurrence, then the consequential risk from moral hazard ought to be lower. Excess profits to lenders Lenders will typically work on the basis of a certain proportion of defaults, so paying off all loans effectively gives them an artificial boost to their profits. Worsening balance of payments There is to a degree a prisoners' dilemma facing nations here. Pressing the reset-button on personal debt across many of the countries experiencing demand-collapse would benefit all of them. However, if just one such country were to do it alone, they alone would increase domestic demand, resulting in a large increase in imports, but no significant increase in exports.


I filed all my tax returns when I was abroad so they know how much I   made (just not how much I saved). I smell problems here. If you were compliant wrt to your filings, you must have filed FBAR forms and form 8938. Even if you were below the threshold for form 8938, you will probably be above it when you move back to the US - the threshold for people living in the US is much lower. Do I still need to declare it, even though I might not intend to use   this money to help my kids through college? I believe so. Here's what they want: Nothing there suggests that it is only limited to the accounts in the US or to the money you intend to use to help your kids through college.


"I'm sure this was just one of the first steps. Let's be honest, many times Finance guys aren't exactly the best speakers, and who is right out of college?   I'm certain there was a part of the interview that required him to use his ""unmatched technicals skills"" that came from an Intro course. Maybe this is where he shined.   Either that, or Goldman saw the opportunity to mold this motivated young man into whatever they needed."


This seems much more reasonable :) Just thought I might be catching someone talking without knowing. A lot of people like to brag about their  unverifiable success on here so I'm always on the lookout for any obvious bullshit in their claims.


The link provided by DumbCoder (below) is only relevant to UK resident investors and does not apply if you live in Malaysia.  I noticed that in a much older question you asked a similar question about taxes on US stocks, so I'll try and answer both situations here. The answer is almost the same for any country you decide to invest in.  As a foreign investor, the country from which you purchase stock cannot charge you tax on either income or capital gains. Taxation is based on residency, so even when you purchase foreign stock its the tax laws of Malaysia (as your country of residence) that matter. At the time of writing, Malaysia does not levy any capital gains tax and there is no income tax charged on dividends so you won't have to declare or pay any tax on your stocks regardless of where you buy them from. The only exception to this is Dividend Withholding Tax, which is a special tax taken by the government of the country you bought the stock from before it is paid to your account. You do not need to declare this tax as it his already been taken by the time you receive your dividend. The rate of DWT that will be withheld is unique to each country.  The UK does not have any withholding tax so you will always receive the full dividend on UK stocks.  The withholding tax rate for the US is 30%.  Other countries vary. For most countries that do charge a withholding tax, it is possible to have this reduced to 15% if there is a double taxation treaty in place between the two countries and all of the following are true: Note: Although the taxation rules of both countries are similar, I am a resident of Singapore not Malaysia so I can't speak from first hand experience, but current Malaysia tax rates are easy to find online. The rest of this information is common to any non-US/UK resident investor (as long as you're not a US person).


I would first get rid of the student loan.  This will leave you with 11K.  I would then use this to fund your ROTH.  If you are married you can put up to 5K per year each.  For any money left over, I would open a regular (not tax advantaged) mutual fund.  You can contribute half the money you were paying toward your student loans, and the other half can go to your mortgage.  Also I would look at doing a refi on your house.  You might be able to move a 10 or 15 year at your current mortgage payment.


Productivity in industry has massively increased, self drilling screws aka modern fasteners, and modern materials.  CNC machines with one person making a complete product in one hit that took ten people ten operations on ten machines to do in the past. The modern technique of _'lean production'_ gets a poorly paid CNC operator to take a raw casting, machine it into a finished product in one CNC operation, wash and oil THEN box the part up next to the machine. Its a complete one person production line at $10 ph.


Because if there is enough uncertainty then dcf can give you wildly different numbers? The shortcomings of such a simplistic method of valuation should be obvious.   Also why does it matter that they don't run projections?


Umm no.  2.14 B Shares outstanding...  First day had a peak to low of (41.68-38.27) of 3.41. Unless UBS got over 100M shares and roundtriped them 200m of volume. This number is not possible as FB had 580,587,742 of total volume.  It's highly unrealistic that UBS accounted for about 35% of volume in one day.  UBS would have to have longed a large holding in FB for some time to have lost this much.


You need to submit an updated return. The problem is that once three years have passed you can't update the return to get any kind of refund, but if they are going after you for the sale price of the stocks, not knowing the cost, your goal is to show them there was no gain, and in fact you'd have had the loss if you were aware of the account. This is less than ten years back, so the broker should be able to give you the statements pretty easily.


"You cannot ""claim back"" VAT. What happens is that if you sell goods with VAT and charge customers VAT, you would have to send that VAT straight to HMRC, but if your business itself paid VAT, then you already paid VAT, so you have to send less.  As an example, if you send an invoice for £10,000 plus £2,000 VAT, and you paid yourself £500 VAT on business related expenses, then you need to send £2,000 - £500 = £1,500 to HMRC.  But if you don't send invoices including VAT, then you owe HMRC £0. Any VAT you paid on business related expenses is lost; HMRC won't pay you money.  BTW. Only VAT on business related expenses can be deducted. So if you want to be ""smart"", register for VAT and get the VAT on your weekly shopping bill refunded, forget it."


The company provides the best digital, clothe and other online services. If you want to purchase, then you can visit our company website.The Progress factory or also called digital printing is a technology of the new generation such as digital printing and Power bank. We provide the different type of products offset printing is that digital is preferred in need of short runs.  Its high quality is as good as the fine offset and without problems can print your promotional materials quickly and snugly.


gross profits 2011 31 billion http://www.wikinvest.com/stock/Wal-Mart_(WMT)/Data/Gross_Profit/2011/Q1  Net income 16.99 income http://www.wikinvest.com/stock/Wal-Mart_(WMT)/Data/Net_Income/2011  The simple truth is that companies that post these sort of net profits are basically off loading the cost of their labor onto the taxpayer by paying a non-livable wage.  And we let them. Americans need to remember why they unionized a hundred years ago and grow some balls again. Corps are able to do shit like this only because we (the people) let them.


I assumed he meant drugs put in water on purpose. No one who is really thinking about the issue is concerned about antibiotic use in livestock because there might be trace amounts left in the meat they consume... they're concerned because widespread overuse will create antibiotic resistant bacteria.


You would need to ask the College. If they accept Wire Transfer, get the Bank details and ask your bank in Ethiopia to make the international transfer. If the college asks for a Bankers check or some other form, take these details and ask you Bank in Ethiopia to arrange for same.


Well, OS/2 is a pretty hard target for it by nature.  Most of that which are venues for spread in Windows and *NIX are actually not part of the operating system with OS/2.  It wasn't built for compatibility with existing standards, but as an all new standard in most regards.  Everything there for existing standards like TCP/IP,  is basically a plug-in that interacts with programs that would use it.  This makes it very hard for something external to actually affect the core system.  Even a lot of OS/2's out of the box functions are implemented in this manner.


Generally speaking, if a business loses money for whatever reason, then that reduces the profits of the business which reduces the tax payable. However if you were holding the assets on a personal basis prior to incorporating the business, the position may become more complicated. For that kind of money some professional advice may be worthwhile.


"Not in the case of Steve Jobs!  He failed with Lisa, Macintosh, Newton, Next, almost brought Apple to bankruptcy, loss control of his company, and a terrible personality.  His ""success"" was the work of many gray people whom he took advantage of. Apple II was all Steve Wozniak idea and creation. Also the iPod and iPhone are other people ideas and creations.  Steve, was very good in marketing. Excellent in that area. That's it."


I've asked myself that question many times but this problem seems like by far the most likely reason I didn't get an offer. The behavioral interview went smoother than any interview I've ever done before and I really clicked with the interviewer. The other case in this round was pretty easy. I wrote out all my calculations, verbalized my thought process at all times, and the numbers i got in the first case worked out perfectly, with the interviewer basically confirming I had gotten it right.   In this case my interviewer's nonverbal cues were telling me I was doing it wrong throughout the entire second section, and like I said, he basically seemed to give up on letting me try to work it out with a good chunk of time still left in the allotted time. I'm also sure I was a serious candidate for the job as the company had spent a fairly large amount of money flying me out to their headquarters, putting me up in a hotel and paying for my meals. Competition was pretty fierce as far as their backgrounds vs mine but this case really seemed to have been the real cause of my undoing.


Go for 15 years loan - Lower interest rate over 2-5 years period. If you can afford to pay 20% down then please do. Do not assume the average ROI will +(8-10%). It all depends on market and has variable factors like city, area and demand.


I think a greater problem would be the protection of your property right.  China hasn't shown much respect for the property rights of its own citizens - moving people off subsistence farms in order to build high-rise apartments - so I'm not certain that a foreigner could expect much protection.  A first consideration in any asset purchase should always be consideration of the strength of local property law.  By all accounts, China fails.


yes and no its definitely not charitable as they are making money of off you but depending on the outside conditions if you had to pay a mortgage on that condo with only 35k in payments to start off it would more than likely exceed 500 dollars a month however there would always be a point were the mortgage would end and it dosent sound like thats going to be the case with you paying your parents so it depends on how long your going to have that condo and how much mortgage would have been.


"It seems this will be very much driven by price discrimination.  If there are some customers who will pay up to $100, sell at that; and if there are others who'll pay $1 sell at that price. For instance you see computer games, which have zero marginal cost of production, sold at ""normal new release"" prices, at premium prices with a special box or doo-dad, and at discount prices once the game is a bit old."


"Because they just to make an excuse for piracy. The current meme is that it's not cheapness that is causing them to pirate, it's a ""convenience"" thing. And it's not their fault that media uses a ""dead business model.""  What they really mean is that they want a Netflix with everything, for 10 bucks MAYBE 12.   Just be honest. I pirate cause I'm cheap."


Generally value funds (particularly large value funds) will be the ones to pay dividends. You don't specifically need a High Dividend Yield fund in order to get a fund that pays dividends. Site likes vanguards can show you the dividends paid for mutual funds in the past to get an idea of what a fund would pay. Growth funds on the other hand don't generally pay dividends (or at least that's not their purpose). Instead, the company grows and become worth more. You earn money here because the company (or fund) you invested in is now worth more.  If you're saying you want a fund that pays dividends but is also a growth fund I'm sure there are some funds like that out there, you just have to look around


Plenty of people not from here see them - it's a huge part of our tourist industry. Same as SeaWorld for San Diego. I think it's underestimating kids to say they only care when something is in a tank, you should see them light up on whale watching tours.


It's working for Blue Apron and the other meal kit delivery services. Amazon has the supply chain knowledge, and capital, to make it happen.   They have access to resources and technology that no one else has, including automation. If anyone can make it work, it's Amazon.


How much finance and software engineering you're looking to do? I had a pleasure to work with a guy who did support (high level) for internal equity trading platform at IB (much less pleasure to work with). He moved to algo trading at another IB some time ago. He told me he started with 0 finance knowledge but by the time he was leaving by my account he was magician in proficiency in both fields. Took only a year or so.


The reason people like Mint is because it allows you to see all of your financial details in one place. When you create an account, you’re able to link all of your bank accounts, credit cards, and investment accounts. This linking enables Mint to update your transactions automatically. The catch is that you have to provide the username and password you use for each one, which can certainly make you feel jittery if you’re worried about a security breach. Mint is designed to be a read-only service, which means you can’t transfer money back and forth between accounts. If someone were to get their hands on your Mint login, all they’d be able to do is view your balances and transactions. Your full account numbers aren’t displayed, nor are your bank account or credit card usernames and passwords. The only thing that would be visible would be your email address. If a hacker was interested in taking things a step further, there’s always the possibility that they could physically steal the information from Mint’s secure servers – but that’s really a long shot. That would require knowing where the servers are located, bypassing the physical security measures that are in place, and cracking the code on how the data is encrypted. If that were to happen, then your personal information might be at risk, but so far, there’s no record of it being attempted. I was very skeptical of Mint and how secure it truly was. I did my fair share of research. Try looking at:


"No, it literally doesn't mean that. ""GMO"" is defined as being more specific. It's an imperfect acronym. That happens.   And no, I don't believe that there's any distinct issue with GMOs. I work in Organics, and I've lived in Berkeley. I've tried and tried to find a single legitimate reason to even be wary of GMOs, and it just isn't there. It's a technique (or a group of techniques). That's it."


Hah! I used to work at Ratzie's Pizza off of Route 1 and Knox. Is it still there do you know? I was only at U of M for 3 semesters. I lived in Easton Hall. I spent too much time going to raves in DC...hence, only staying at U of M for 3 semesters.


"I'm not sure what is traditionally meant by ""Swiss-style monetary policy"" but lately it has meant the same thing as US monetary policy, or Japanese monetary policy, or Euro monetary policy: PRINT. Look how many Swiss Francs it takes to buy a currency that cannot be printed:  I'm not sure why they would be touting ""Swiss-style monetary policy"".   That hasn't been too stellar lately."


"You're entirely correct.  It's one of those ""broken window"" fallacies.   Have you ever witnessed the anger of   the good shopkeeper, James B., when   his careless son happened to break a   square of glass? If you have been   present at such a scene, you will most   assuredly bear witness to the fact,   that every one of the spectators, were   there even thirty of them, by common   consent apparently, offered the   unfortunate owner this invariable   consolation - ""It is an ill wind that   blows nobody good. Everybody must   live, and what would become of the   glaziers if panes of glass were never   broken?"" Frederic Bastiat's 1850 essay, ""That which is seen and that which is not seen"" is still the best and most beautifully-written of such explanations.   As you point out, a gain for the construction companies is more than offset by the loss of life and financial expenditure of the insurance companies.  Plus, it is never possible to quantify the entirety of the loss in terms of opportunities foregone (""that which is not seen"").  People who were about to do incredible things but now gone.  Property, of any nature, no longer of use to build on or perform service. Any replacement comes at the expense of other opportunities."


He's complaining about the post freezing a pension and requiring employees to waive their right to sue when terminated to receive severance. Freezing pensions is becoming standard because it's an outdated and expensive way to fund retirement. Requiring a waiver for severance is standard.   This guy comes off like a whiner that doesn't know the way the world works. There is probably a reason the post was in trouble before Bezos.


"If you want the answer from the horse's mouth, go to the website of the ETF or mutual find, and the expense ratio will be listed there, both on the ""Important Information"" part of the front page, as well as in the .pdf file that you click on to download the Prospectus.  Oh wait, you don't want to go the fund's website at all, just to a query site where you type in something like VFINX. hit SEARCH, and out pops the expense ratio for the Vanguard S&P 500 Index Fund? Well, have you considered MorningStar?"


Basically for Bitcoin it's value has gone up because people are starting to be more confident that it isn't going to tank overnight. More business are accepting it as payment so it's usefulness is going up. As you said, yes, there are limited amount of it but it has a very unique property: it can be split into very small pieces so the value of 1 BTC doesn't necessarily matter.  Facebook value isn't directly correlated with hope many users it has but those users do help it's value via ads.


Hello, I'm a bot. I see you have mentioned Trump's golfing problem.  The current Trump golf count is at . . . **50**. . .costing US taxpayers a total of **$71,735,000** . More data about his excessive spending at my [*Trump Golf Counter*](http://www.golfwithdonald.com). The exact locations and dates of his golf trips can be seen [*here*](http://trumpgolfcount.com/displayoutings).


Almost every company carries massive debt. From a financial standpoint a company that has less than 70% of it's capital in debt is not utilizing it's growth potential.   There are a few companies that buck this trend but the vast majority of corporations carry absolutely massive debt at all time. Yes even the profitable ones. As long as they pay according to the plan all is well.


Best Buy places heavy emphasis on it's employees to sell Extended Warranty/Protection Plans. It is extremely annoying when they try to sell you a warranty on a $10 alarm clock - more so when the warranty cost more than the product. I avoid Best Buy as much as possible just because I don't wan't to hear the warranty pitch anymore.


Using any simulator will never be exactly the same as real trading.  One reason is that a simulator will always execute your trades at the exact price you want, but that may not always happen in real life. For example, if you place a limit order to buy 1000 shares of a stock at 10.50, and the price drops down to exactly 10.50, then the simulator will execute your trade and you will have 1000 shares at 10.50.  But in real life, the price of the stock may drop to 10.50, but other people may have buy orders ahead of you.  If the price of the stock drops to 10.50 but then starts going up again, you may not get all the shares that you wanted (or you may not even get any shares at all) due to the fact that people were ahead of you. In real trading there is also slippage, which you don't see in a simulator.  For example, if you have a stop order to sell 1000 shares of a stock if it drops to 7.50, then the simulator will sell all 1000 shares at 7.50 if the price drops to 7.50.  But in real trading, if the price drops to 7.50, then you may not be able to sell all 1000 shares at 7.50 if there's not enough liquidity or the market is moving very fast.  You may end up selling 100 shares at 7.50, 100 shares at 7.49, 100 shares at 7.48, 50 shares at 7.47, 50 shares at 7.46, 200 shares at 7.45, and 400 shares at 7.44. Another thing is that you don't experience the emotional aspect of trading with a simulator.  If you buy a stock in a simulator and it goes down, it's not real money, so you may be more willing to hold it and wait for it to come back up.  But if you are trading real money and the stock goes down, you may not be so willing to hold if it goes down.  You may be more apt to sell the stock for a small loss before the loss gets too big.


I like Wendy's food but the 3 restaurants in my town have horrible service. 8.63 times out of 10 when I go through the drive-thru they mess something up. The worst case was ordering 2 jr bacon cheeseburgers. They put everything but the hamburger patties on them.


"This is the best tl;dr I could make, [original](http://money.cnn.com/2017/10/18/investing/rio-tinto-coal-mine-fraud/index.html) reduced by 83%. (I'm a bot) ***** > Authorities in the U.S. and the U.K. have accused Rio Tinto.  > The U.S. Securities and Exchange Commission claims that Rio Tinto realized the mine was worth significantly less within a year of purchasing it, but did not share that information with investors until 2013.  > In its complaint filed Tuesday, the SEC accused Rio Tinto, Albanese and Elliott of trying &quot;To conceal the rapid and dramatic decline in value&quot; of the coal business.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/77ct0m/rio_tinto_accused_of_fraud_over_3_billion_coal/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~231113 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*: **Tinto**^#1 **Rio**^#2 **mine**^#3 **company**^#4 **SEC**^#5"


"The enemy of my enemy is my enemy? If white supremacists oppose an agenda based on identity politics (which prioritizes diversity above all else), just as Trump does, does that not mean that they have a ""friend"" in Trump? Not to sound rude, but have you even tried thinking about the situation?"


"The best strategy for RSU's, specifically, is to sell them as they vest. Usually, vesting is not all in one day, but rather spread over a period of time, which assures that you won't sell in one extremely unfortunate day when the stock dipped. For regular investments, there are two strategies I personally would follow: Sell when you need. If you need to cash out - cash out. Rebalance - if you need to rebalance your portfolio (i.e.: not cash out, but reallocate investments or move investment from one company to another) - do it periodically on schedule. For example, every 13 months (in the US, where the long term cap. gains tax rates kick in after 1 year of holding) - rebalance. You wouldn't care about specific price drops on that day, because they also affect the new investments. Speculative strategies trying to ""sell high buy low"" usually bring to the opposite results: you end up selling low and buying high. But if you want to try and do that - you'll have to get way more technical than just ""dollar cost averaging"" or similar strategies. Most people don't have neither time nor the knowledge for that, and even those who do rarely can beat the market (and never can, in the long run)."


The below assessment is for primary residences as opposed to income properties. The truth is that with the exception of a housing bubble, the value of a house might outpace inflation by one or two percent.  According to the US Census, the price of a new home per square foot only went up 4.42% between 1963 and 2008, where as inflation was 4.4%.  Since home sizes increased, the price of a new home overall outpaced inflation by 1% at 5.4% (source).  According to Case-Shiller, inflation adjusted prices increased a measly .4% from 1890-2004 (see graph here). On the other hand your down payment money and the interest towards owning that home might be in a mutual fund earning you north of eight percent.  If you don't put down enough of a down payment to avoid PMI, you'll be literally throwing away money to get yourself in a home that could also be making money. Upgrades to your home that increase its value - unless you have crazy do-it-yourself skills and get good deals on the materials - usually don't return 100% on an investment.  The best tend to be around 80%. On top of the fact that your money is going towards an asset that isn't giving you much of a return, a house has costs that a rental simply doesn't have (or rather, it does have them, but they are wrapped into your rent) - closing costs as a buyer, realtor fees and closing costs as a seller, maintenance costs, and constantly escalating property taxes are examples of things that renters deal with only in an indirect sense. NYT columnist David Leonhart says all this more eloquently than I ever could in: There's an interactive calculator at the NYT that helps you apply Leonhart's criteria to your own area. None of this is to say that home ownership is a bad decision for all people at all times.  I'm looking to buy myself, but I'm not buying as an investment.  For example, I would never think that it was OK to stop funding my retirement because my house will eventually fund it for me.  Instead I'm buying because home ownership brings other values than money that a rental apartment would never give me and a rental home would cost more than the same home purchase (given 10 years).


Maybe his accountant not taking care of things meant that there was a miscommunication about his debts. He could've had outstanding loans, back taxes, etc and he didn't have a clear enough picture about what his cash balance would be after his transaction.


Let's break this into two parts, the future value of the initial deposit, and the future value of the payments: D(1 + i)n For the future value of the payments A((1+i)n-1) / i) Adding those two formulas together will give you the amount of money that should be in your account at the end.  Remember to make the appropriate adjustments to interest rate and the number of payments.  Divide the interest rate by the number of periods in a year (four for quarterly, twelve for monthly), and multiply the number of periods (p) by the same number.  Of course the monthly deposit amount will need to be in the same terms. See also: Annuity (finance theory) - Wikipedia


"Easier to avoid those items than french fries at most fast food places.  3 soft taco meal at taco bell is pretty damn healthy from a calorie/macro standpoint, and that isn't even part of their ""healthy"" menu. What is comparable at BK/Wendy's/McD's etc?"


Brandon Brice earned a Bachelor's in Business Administration from Howard University, a Master’s of Science in International Affairs from Rutgers University and is currently completing his Executive Master's in Public Administration from Columbia University. Brandon has interned on Capitol Hill in the Office of former United States House Speaker


You don't see data because you're not looking. What did congress do right after WW2? They slashed spending. All the plants and factories making war time things were now able to make products that people wanted, and the economy took off and people's standard of living rose across the board.   You're not looking back far enough in the euro story. Greece is not the same economy or government as Germany, and that's part of the problem. Putting them into the same centralized economic system with the same interest rates was bound to fail because they are so different. When Greece joined the euro, they saw a massive boom in economic growth from the access to cheap financing costs. There was certainly no lack of demand then eh? What you're seeing is the result of years of supply side problems created by the european union in their quest to be a centralized global super power. The best thing for Greece to do in their current situation is to leave the shackles of the european union and take the drachma back. In the short run they would face a massive devaluation in the currency, and there would certainly be a few tough weeks or months, but the devaluation would incentivise all types of entrepreneurs and businessmen to build there and utilize cheap labor, there would be a flood of tourism and Greece would soon be on a path towards real productive growth. Their only other option is to face decades of austerity, and prolonged unemployment, where they are no longer working for themselves, and have become modern day serfs. We saw similar scenarios play out in both Iceland and Argentina, and Greece will only be the first of many  to drop the the euro.   www.econlib.org/library/Enc/SupplySideEconomics.html


They're batched typically and about 30-90 days out typically, though the speed is routinely increasing the last few years. The flow depends from payment processor to payment processor. Generally, the cheaper the payment processing the longer the delay.  The future of this stuff is blockchain if you'd like to look at that  http://www.goldmansachs.com/our-thinking/pages/blockchain/


"You have figured out most of the answers for yourself and there is not much more that can be said. From a lender's viewpoint,  non-immigrant students applying for car loans are not very good risks because they are going to graduate in a short time (maybe less than the loan duration which is typically three years or more) and thus  may well be leaving the country before  the loan is fully paid off. In your case, the issue is exacerbated  by the fact that your OPT status is due to expire in about one year's time. So the issue is not whether you are a citizen, but whether the lender can be reasonably sure that you will be gainfully employed and able to make the loan  payments until the loan is fully paid off. Yes, lenders care about work history and credt scores but they also care (perhaps even care more) about the prospects for steady employment and ability to make the payments until the loan is paid off.  Yes, you plan on  applying for a H1-B visa but that is still in the future and whether the visa status will be adjusted is still a matter with uncertain outcome. Also, these are not matters that can be explained easily in an on-line application, or in a paper application submitted by mail to a distant bank whose name you obtained from some list of ""lenders who have a reliable track record of extending  auto loans to non-permanent residents."" For this reason, I  suggested in a comment that you consider applying at a credit union,  especially if there is an Employees' Credit Union for those  working for your employer. If you go this route, go talk to a loan officer in person rather than trying to do this on the phone. Similarly, a local bank,and especially one where you currently have an account (hopefully in good standing), is more likely to be willing to work with you.  Failing all this, there is always the auto dealer's own loan offers of financing.  Finally, one possibility that you might  want to consider is whether a one-year lease might work for you instead of an outright purchase, and you can buy a car after your visa issue has been settled."


"Anthony Russell - I agree with JohnFx. Petroleum is used in making many things such as asphalt, road oil, plastic, jet fuel, etc. It's also used in some forms of electricity generation, and some electric cars use gasoline as a backup form of energy, petrol is also used in electricity generation outside of cars. Source can be found here. But to answer your question of why shares of electric car companies are not always negatively related to one another deals with supply and demand. If investors feel positively about petroleum and petroleum related prospects, then they are going to buy or attempt to buy shares of ""X"" petrol company. This will cause the price of ""X"", petrol company to rise, ceteris paribus. Just because the price of petroleum is high doesn't mean investors are going to buy shares of an electric car company. Petrol prices could be high, but numerous electric car companies could be doing poorly, now, with that being said you could argue that sales of electric cars may go up when petrol prices are high, but there are numerous factors that come into play here. I think it would be a good idea to do some more research if you are planning on investing. Also, remember, after a company goes public they no longer set the price of the shares of their stock. The price of company ""X"" shares are determined by supply and demand, which is inherently determined by investors attitudes and expectations, ultimately defined by past company performance, expectations of future performance, earnings, etc.. It could be that when the market is doing well - it's a good sign of other macroeconomic variables (employment, GDP, incomes, etc) and all these factors power how often individuals travel, vacation, etc. It also has to deal with the economy of the country producing the oil, when you have OPEC countries selling petrol to the U.S. it is likely much cheaper per barrel than domestic produced and refined petrol because of the labor laws, etc. So a strong economy may be somewhat correlated with oil prices and a strong market, but it's not necessarily the case that strong oil prices drive the economy..I think this is a great research topic that cannot be answered in one post.. Check this article here. From here you can track down what research the Fed of Cleveland has done concerning this. My advice to you is to not believe everything your peers tell you, but to research everything your peers tell you. With just a few clicks you can figure out the legitimacy of many things to at least some degree."


everyone parrots this as the great libertarian dream or something, but in reality all it would do was ramp up industrial espionage on a scale never seen before. Plenty of good, progressive business is done on the back of intellectual property legislation.


Using Fundamental and Technical Analysis together is actually a good idea for longer term trading of up to 6 months or longer.  The whole idea behind trading with Technical Analysis is to increase the probabilities of a trade going in the desired direction by using uncorrelated indicators that produce the same signal to buy or sell at the same time. For example, you might use a Moving Average (MA) as a buy signal when the price falls for a few days, hits the MA and then reverses and starts moving back up. If however, you also include a Stochastic Oscillator (SO) to indicate when the stock is oversold (under 20%), and if the price rebounds from the MA average at the same time as the Stochastic is crossing over in the oversold position, then this may be a higher probability trade. If you also only trade stocks that are Fundamentally healthy (as fundamentally good stocks are more likely to go up than fundamentally bad stocks) then this might increase the probabilities again. Then if you only buy when the market as a whole is moving up, then this will increase your chances again. A few weeks ago at a seminar, the presenter totalled the men in the room to be 76 and the women in the room to be 8. He then asked what will most likely be the next person to walk in the room - a man or a woman? The statistics are on the side of a wan walking in next. This is what we try to do with Technical Analysis, increase our chances when we take a trade. Of course a woman could be the next person to walk in the room, just like any trade can go against you, and this is why we use money management and risk management and take a small loss when a trade does go against you. Lets look at an example where you could incorporate FA with TA to increase your chances of profits:  Above is a candlestick chart of Select Harvest (SHV), the green line above the price is the perceived value, the pink line is the 40 day MA, the blue line is the EPS, and the white lines is the Stochastic Oscillator (above 80% being overbought and below 20% is oversold). From Feb 2015 to start of Aug 2015 the stock was uptrending, since then the price reversed and started to downtrend. The stock was determined to be fundamentally good early in 2015 with the perceived value gradually increasing and greater than the share price, and the EPS starting to increase regularly from mid April. Thus, as the stock is seen as fundamentally healthy any price reversal in the vicinity of the MA could be seen as a buy opportunity. In fact there where 2 such opportunities on 31st March and 11th June where price had reversed and rebounded off the MA whist the SO crossed over in or near the oversold area. The price did reverse and then rebounded off the MA again on 9th July, however the SO was not in or near the oversold area on this occasion, so not as high in probability terms. The price still rebounded and went up again, however another momentum indicator (not shown here) shows some bearish divergence in this case - so another reason to possibly keep away at this point in time. A good signal to get out of the trade, that is your stop loss has not already taken you out, is when the price breaks and closes below the MA line. This occurred on 7th August. So if we had bought on the first signal on 31st March for $7.41 and sold when the priced broke through the MA on 7th August for $11.76, we would have made a profit of approx. 59% in just over 4 months. If bought on the second signal on 11th June for $9.98 and again sold on 7th August for $11.76, we would have made about 18% in under 2 months. So the fundamentals, the Price (in relation to MA) and the SO where all lining up to provide two high probability trades. Of course you would need to incorporate you risk management (including stops) in case the price did not continue upwards after you bought. If the market is also moving up on the day of the signal this will further increase your chances.  Unless you day trade, which I would avoid, a good way to enter your trades after a signal is to enter a stop buy order after market close to buy if the price moves above the high of the signal day. That way if the market and the stock open and move lower during the day after the signal you avoid entering the trade altogether. This can be incorporated as part of your risk management and trading rules. After the price broke down through the MA we can see that a downtrend commenced which is still current today (in fact I just took a short trade on this stock yesterday). We can also see that the perceived value, whilst still above the price, has reached a peak and is currently moving downwards and the EPS after being flat for a few months has just moved down for the first time in 10 months. So maybe the fundamentals are starting to waver a bit on this stock. It may be a good stock to continue shorting into the future. So basically you can continue using Fundamental Analysis to select which stocks to buy, place them in a watch-list, and then use Technical Analysis to determine when these stocks are starting to uptrend and use a combination of uncorrelated indicators to produce higher probability signals for when to enter your trades.


You'd invest through NASDAQ OTC market--I use Vanguard and it allows me to invest through there; I'm sure other online brokers have it too. If you search the companies you'll see the listing on the Hong Kong Stock Exchange and the NASDAQ OTC. The prices will be different--just because it goes up in HK doesn't mean it goes up in NASDAQ. There are also a few listed in the US--SINA, Weibo Corp., JD.com.  From there, start looking at the major Chinese tech companies to see what they're worth.


does your sister agree to sell her share of the house?  Will you live in the house or rent it out?  In Australia if you rent out the house you can claim on expenses such as interest deductions, advertising cost, advertising to get tenants in, maintenance cost, water & sewerage supply charge, Land tax, stamp duty, council rates.  A percentage of these expenses can be used to reduce your gross income and therefore reduces your tax liability (called negative gearing).  Not sure how other countries handle investment properties. If you plan to live in the house and not rent it out and you have spare cash to buy outright then do so.  You don't want to be in debt to the bank


I think we have to divide it up into the elements that are 'real' and those that are 'abstractions'. Certainly, it will take a long time for a turbine to 'recoup' the embodied energy of its manufacture, transport, installation, maintenance. After that, tho, it's paying its way. 'Free' energy. Property values are made up, and - while important - I don't think it's fair to include them.   As far as $-per-watt hour goes, renewables can't/don't/won't compete with fossil fuels. Digging up millions of years of compressed sunshine has served us well. Looking at the bigger picture, however, renewables start to make sense, and are the only way forward. Any models that require maintenance of 20th century levels of consumption are unrealistic.  The future will be slower, more expensive, and less convenient.


Really? You don't understand how sometimes doing something that makes you feel good actually harms you in the long run? Like eating or drinking too much, or taking commission on HFT while HFT undermines the utility and value of your product for the majority of the market?


"The company itself doesn't benefit. In most cases, it's an expense as the match that many offer is going to cost the company some percent of salary.  As Mike said, it's part of the benefit package. Vacation, medical, dental, cafeteria plans (i.e. both flexible spending and dependent care accounts, not food), stock options, employee stock purchase plans, defined contribution or defined benefit pension, and the 401(k) or 403(b) for teachers. Each and all of these are what one should look at when looking at ""total compensation"". You allude to the lack of choices in the 401(k) compared to other accounts. Noted. And that lack of choice should be part of your decision process as to how you choose to invest for retirement. If the fess/selection is bad enough, you need to be vocal about it and request a change. Bad choices + no match, and maybe the account should be avoided, else just deposit to the match.  Note - Keith thanks for catching and fixing one typo, I just caught another."


"I was there for unrelated-to-Walmart work this time last year. The entire region's commerce seems *very* predicated upon Walmart's success. Imagine if Walmart fell how much of that local economy would vanish.    Tyson and JB Hunt can only do so much without the retail giant throwing reams of money their way. The University can only support so much. I hate to imagine what they region looks like in 40-50 years if Walmart's well dries up.    ---  ""Oh, you're moving to NW Arkansas? Big business there. Beautiful drive up from Fort Smith too. What takes you there?""   *""Walmart!""*    ...why else move there? It's all hinging on Walmart's continued success. I can't imagine the land value holding if Walmart contracts. *Maybe* you could sell some football-weekend houses to well-off Razorback fans if you're in Rogers or south, but there's been a lot of growth there without many more independent industries in case of collapse."


"Isn't calling something unilaterally ""fake news"" basically the opposite side of that same coin?  It's a ""joke"" when you don't want people to take *you* at face value.  It's ""fake news"" when you don't want people to take *information* at face value.  Both are convenient ways to dismiss criticism and responsibility."


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