In the UK, recent changes to pension taxation mean that from April 2011, people earning between £150,000 and £180,000 total and making large pension contributions (>£50,000 or so) will pay a marginal tax rate on additional salary of >100%. This is because pension contributions normally attract tax relief at the highest marginal rate - i.e. 40% if the gross salary is above about £40,000, and 50% for salaries above £150,000. But after April 2011, the rate of relief will be tapered down for gross salaries above £150,000, reaching 20% for a gross salary of £180,000. So for example if you earn £175,000 and make a contribution of £50,000, then an additional £1,000 in salary will incur £500 of direct tax, and also lead to a 1% reduction in tax relief (from 25% to 24%), costing another £500. Once you factor in National Insurance of another 1% or so, the net effect of the pay rise is negative.


"Spend your first 50 euros on research materials. Warren Buffett got started as a boy by reading every book in the Library of Congress on investing and stock market analysis. You can research the company filings for Canadian companies at http://www.sedar.com, U.S companies at http://www.edgar.com, and European companies at https://www.gov.uk/government/organisations/companies-house. Find conflicting arguments and strategies and decide for yourself which ones are right. The Motley Fool http://www.fool.ca offers articles on good stocks to add to your portfolio and why, as well as why not. They provide a balanced judgement instead of just hype. They also sell advice through their newsletter. In Canada the Globe & Mail runs a daily column on screening stocks. Every day they present a different stock-picking strategy and the filters used to reach their end list. They then show how much that portfolio would have increased or decreased as well as talking about some of the good & bad points of the stocks in the list. It's interesting to see over time a very few stocks show up on multiple lists for different strategies. These ones in my opinion are the stocks to be investing in. While the Globe's stock picks focus on Canadian and US exchanges, you might find the strategies worthwhile. You can subscribe to the digital version at http://www.theglobeandmail.com  Once you have your analytical tools ready, pick any bank or stock house that offers a free practice account. Use that account and their screening tools to try out your strategies and see if you can make money picking stocks.  My personal stock-picking strategy is to look for companies with: - a long uninterrupted history of paying dividends, - that are regularly increased, - and do not exceed the net profit per share of the company - and whose share price has a long history of increasing These are called unicorn companies, because there are so very few of them.  Another great read is, ""Do Stocks Outperform Treasury Bills?"" by Hendrik Bessembinder. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2900447 In this paper the author looks at the entire history of the U.S. stock universe and finds that less than 4% of stocks are responsible for 100% of the wealth creation in the U.S. stock market. He discusses his strategies for picking the winners, but it also suggests that if you don't want to do any research, you could pick pretty much any stock at random, short it, and wait. I avoid mutual funds because they are a winner only for the fellas selling them. A great description on why the mutual fund industry is skewed against the investor can be found in a book called ""The RRSP Secret"" by Greg Habstritt. ""Unshakeable"" by Tony Robbins also discusses why mutual funds are not the best way to invest in stocks. The investor puts up 100% of the money, takes 100% of the risk, and gets at best 30% of the return. Rich people don't invest like that."


I do not meet your qualifications but this is what I would do: 1)  Save an amount that can replace your bike and accessories if it is stolen.  Don't touch it for anything but that. 2)  Compute an average monthly cost for maintenance items, double that for a couple of months until you have the account built up, then budget that amount every month. If your bike/headlight/front tire, get stolen or broken beyond repair, take it out of the first account.  Then your savings priority should be to rebuild that account.  I would be a bit alarmed if you have to keep hitting this account for legitimate reasons. When a tire goes flat, or other normal wear and tear item occurs, take it out of the second account.  This account should fluctuate regularly, and it is normal.  During certain months you may want to increase this amount (more glass on the street because of outdoor events means more flat tires). The same kind of thing holds true for a car. Putting numbers to some figures would help. I think the most alarming thing about your post is that a theft is somewhat ordinary.  Yikes!


1) get good grades  2) get into top school  3) continue getting good grades  4) get an interview and kill it  5) enjoy the fruits of your success with copious amounts of drinking to deal with the hours  Done, and I don't even need to be a banker to tell you this


"I can address what it means to ""pick off"" all those trades... As quantycuenta & littleadv have said, it is absolutely true that professionals ""prey"" on less-sophisticated market participants. They aren't in the market for charity's sake.  If you're not familiar with the definition of the word ""arbitrage"", look it up.  One possible strategy that can be employed with HFT machinery in order to arbitrage successfully in the stock market is to 'intercept' orders that are placed on various exchanges. In order to do this, an HFT organization watches all the transactions at once to find opportunities to buy low and sell high.  A good explanation of it is described here in this NY Times article; I'll paraphrase what that article lays out.  Stocks are traded through multiple exchanges The first key point to understand is that stocks listed on one exchange (i.e. the NYSE) can be sold on multiple exchanges. That's where the actual ""I would like to sell 100 shares of Ford stock"" is matched with ""I would like to buy 100 shares of Ford stock."" There are multiple clearinghouses on the various exchanges. Your order gets presented to one exchange at a Time An ideal market maker would like to look at the order books for a given stock, say Ford, and see that in exchange A there's a sell order for 100 shares of F at $15.85, and in exchange B there's a buy order for 100 shares of F at $15.90.  Arbitrage Market maker buys from A, sells in B, and pockets $0.05 * 100... $5. It's not much, but it was relatively risk free. Also, scale this up to the scale of the US' multiple stock exchanges, and there are lots of opportunities to make $5 every second.  Computers are (of course) faster than people To tie it in completely with your question about 'picking off trades', HFT rigs can be set up and programmed to go faster than an average retail investor's order.  Let's say you execute the trade to buy 100 shares @ $15.85 as a retail investor. The HFT rigs see your order starting to make the rounds of the different exchanges that your brokerage works through, and go out in front in a matter of milliseconds, finding the orders that are less than $15.85 and less than or equal to 100 shares. They execute a transaction, buy them up, sell to you, and pocket the difference.  You have been ""picked off"".  It's admittedly not the only way to use HFT equipment to make money, but it's definitely one way to do it."


"I have my ""safe"" money in index funds but like to dabble in individual stocks. My criteria and thought process are usually like this, let's use SBUX as an example: Understand what the company does. Also paraphrased as ""buy what you know"". A profitable/growing business doesn't need to be complicated. Open stores. Sell coffee. For SBUX, my decision process literally started inside a store: ""Rocky, why are you standing in line to overpay for coffee? Wow, look at all these people! Hmmm. I wonder if this is a good stock to buy?"" Check out their fundamentals. Are they profitable? P.E.ratio, book value, and PEG are helpful, and I tend to use them as a gauge for whether I think the stock is overpriced or not. I compare those values to others in the industry. SBUX right now has a PE of ~30, which looks about average for its peers (PEP, KKD, GMCR). So far so good. Does it pay a dividend? This isn't necessarily good or bad, just useful to know. I like dividend-paying stocks, even if it means the stock price might not grow as aggressively. Also, a company that pays a dividend is naturally confident in its ability to turn a profit and generate cash. So it's a safer pick, in my opinion. SBUX pays a dividend, a small one, but that's a plus for me. Am I willing to watch the stock? With my index funds, I buy and forget. With my stocks, I keep an eye on the situation, read the news, and have to make a buy/sell decision regularly. With SBUX, I don't watch all that closely, I just keep up with the news. IMO, it's still a buy based on all the above criteria. And I feel less silly now standing in line to overpay for coffee."


"You definitely need more information. This could be a number of things. First of all I don't understand the reason for the 48 hours. I would definitely ask them to clarify why this is the case. Why are they noticing this a year later?  You are indeed a participant in the company 401k. the plan is theirs, and you are agreeing to play by their rules when you enroll. I would call HR and get more info. This could be excess contribution or a ""bank error in your favor"" that they have found. It sounds like they over matched your 401k sense they want the money back."


Don't worry about it. One of the big banks who like to whine a lot about defaulting borrowers is sending credit cards to a former resident of my home. The guy died in the late 90s.


The virtual classrooms won't replace the expensive schools at the high end (for many of the reasons you describe).  They'll compete on the low end with public schools.  I agree it won't happen in the near future -- it'll happen when prices get so high that there's a significant increase in student loan defaults.  That will be the breaking point, and people will start to look for alternatives.


1.Charges or Fee: These are only applicable if you buy something use Credit Card and do not payback in time. Otherwise if you just have a Credit Card, most of them are free. There are some that charge annual fee. You will know when you apply for a card. 2a. Depoist Money [Voucher]: You can deposit money on your card account by check, or online transfer or by visiting the Bank Branch. I am not sure what Voucher you are talking about. You will have to find that out from the company that issued the voucher. 2b. Withdraw from ATM: Withdrwals are charged typically 5%, plus fixed Rs 50. Plus interest if you have not paid back in time. Are you are having excess money, there will be no interest charge. Check with the card on the exact charges. 3.Excess transfer to Bank: The excess can be transferred to Bank account by making a request to the Card Company and giving out the details. The Card Company would have a defined timeline for this. Most of the Banks that issue cards have a policy not to keep excess deposits longer. What you are trying to do it not a routine transaction and depends what you are trying to achieve.


If you're thinking of going back to your home country, you need to check whether you're allowed to keep foreign accounts once back there. In some countries having a foreign account may be illegal. In this case - don't contribute to 401K as you'll have to withdraw, and pay the penalty. If, however, your country of origin doesn't care about you having an account in the US - keep it, and contribute, because then you'll achieve these nice things:


The offered services by Raheja Revanta Gurgaon are too most modern amenities such as Swimming pool; Kids play area, Hospitals, Party... Raheja Revanta Located just off NH8 near the Intersection of Northern Periphery Road, Southern Periphery Road & NH-8. In close vicinity of proposed Metro line.


"I believe MrChrister's answer is correct:  Since they're FDIC insured, they are ""legit.""  Second, on the seemingly too-good-to-be-true rate: They're basically making up the difference on other fees (not necessarily paid by you) in order to offer you the higher-than-market rate. I'd like to point out two things not mentioned about the current rate offer, though: The high 4.09% APY advertised is only on balances up to $25,000; anything over that threshold is at a lower 1.01% APY. The offer also states in the footnotes: ""Rates may change after the account is opened."" You might want to see if they have a good history of paying higher than average interest rates. You wouldn't want to switch only to find out the promotional rate was a teaser that soon gets reduced."


China owes the white people. The fact that China didn't want to bail out a bunch of lazy entitled cheese eating surrender monkies is outrageous. After all, why wouldn't China want to recreate post opium war/boxxer rebelllion era relations with Europe?


I said the point is to create value. For a growth company, the best way to create value is to reinvest cash in the business and grow the company so that they can have larger earnings and therefore larger dividends in the future.  For a company like Apple, which is no longer a growth company, they should be distributing earnings instead of hoarding them and essentially buying treasuries on their shareholders' behalf.


"There's no objective definition of what your house is worth between sales.  If you sell it for $107K, then that's the current functional definition of its worth.  There is not ""extra"" money to be had because you sold it for less than it was worth.  If the buyer is able to flip it for more, then the value of the house effectively went up and he will pocket the difference when he sells it. EDIT This turned out to be unexpectedly controversial, so let me be more precise in my answer.  I think this is important because it seems like many people misunderstand equity and how it figures (or doesn't) into the value of their home, which then leads to significant confusion and errors in what's many people's largest single investment. At any given time there are several possible ways to put a dollar value on your home.  A non-exclusive list that includes: Some of these obviously are more ""official"" than others. It would not be strange for these different values to vary by quite a bit at any given time. (This is what I meant in my original answer when I said there's ""no objective definition of what your house is worth between sales."") The interesting thing - and what I meant in my original answer when I wrote ""current functional definition of its worth"" - is that none of these factor directly into the transaction that the OP described of selling his house except for the last.  Using the numbers from the OP's example, that means the $107K.  Wherever the OP got the number $155K (either from one of the options on my list above or somewhere else), it won't be directly part of the sale between him and his friend. (For completeness, with a nod to Eric's comments on my original answer, some of these numbers may indirectly influence the sale.  For example, the buyer typically won't be able to get a mortgage for a value greater than the appraised value of the house, and so that might influence what he's willing and able to bid.  There may also be tax consequences if the price is artificially low, like, say, a gift.  As further expounded below, however, that's not directly relevant to answering the OP's stated question.) Now, the OP seemed to believe that there is an ""extra"" $48K in cash up for grabs in this scenario.  That comes from the $155K value that the OP claims his house has and the $107K price of the actual proposed sale.  This is a complete misconception.  When the buyer and seller sit down at closing and the title agent sums up who owes and who receives cash in this transaction, the $155K ""theoretical"" value will not enter into the calculation and therefore no one will pocket it. Subsequently, however, after the buyer takes possession, he may sell it.  If it's true that he ""got a deal"" on the transaction at $107K, then he maybe able to flip it and turn a profit.  But if that happens, it will be in a completely separate, subsequent transaction. Even if you look to this hypothetical second sale, however, the $155K doesn't really figure.  The new owner will have to find his own buyer, and they will have to agree on a price.  That might happen to be $155K, but there's no real reason to believe that it will or it won't."


"An employee costs the company in four ways: Salary, taxes, benefits, and capital. Salary: The obvious one, what they pay you. Taxes: There are several taxes that an employer has to pay for the privilege of hiring someone, including social security taxes (which goes to your retirement), unemployment insurance tax (your unemployment benefits if they lay you off), and workers compensation tax (pays if you are injured on the job). (There may be other taxes that I'm not thinking of, but in any case those are the main ones.) Benefits: In the U.S. employers often pay for medical insurance, sometimes for dental, life, and disability. There's usually some sort of retirement plan. They expect to give you some number of vacation days, holidays, and sick days where they pay you even though you're not working. Companies sometimes offer other benefits, like discounts on buying company products, membership in health clubs, etc. Capital: Often the company has to provide you with some sort of equipment, like a computer; furniture, like a chair and desk; etc. As far as the company is concerned, all of the above are part of the cost of having you as an employee. If they would pay a domestic employee $60,000 in salary and $20,000 in taxes, then assuming the same benefits and capital investment, if a foreign employee would cost them $0 in taxes they should logically be willing to pay $80,000. Any big company will have accountants who figure out the total cost of a new employee in excruciating detail, and they will likely be totally rational about this. A smaller company might think, ""well, taxes don't really count ..."" This is irrational but people are not always rational. I don't know what benefits they are offering you, if any, and what equipment they will provide you with, if any.  I also don't know what taxes, if any, a U.S. company has to pay when hiring a remote employee in a foreign country. If anybody on here knows the answer to that, please chime in. Balanced against that, the company likely sees disadvantages to hiring a foreign remote employee, too. Communication will be more difficult, which may result in inefficiency. My previous employer used some contractors in India and while there were certainly advantages, the language and time zone issues caused difficulties. There are almost certainly some international bureaucratic inconveniences they will have to deal with. Etc. So while you should certainly calculate what it would cost them to have a domestic employee doing the same job, that's not necessarily the end of the story. And ultimately it all comes down to negotiations. Even if the company knows that by the time they add in taxes and benefits and whatever, a domestic employee will cost them $100,000 a year, if they are absolutely convinced that they should be able to hire an Austrian for $60,000 a year, that might be the best offer you will get. You can point out the cost savings, and maybe they will concede the point and maybe not."


FI funds don't always drop in rising rate environments, and can outperform thanks to simple bond math and the way the indexes are built.  It's one of the places where it's very easy to argue in favour of some form of active management.


There is heap of instances where you may want a franchise lawyer. For instance, during the ending of your franchise lawyer California  agreement, an attorney can make certain that the conditions of the agreement are being duly observed. Likewise, in instances of statutory compliance, your attorney can not only interpret and defend you but can also work as a link between you and the franchise lawyer California. This can help break up whatever matters or concerns arising out of a franchisor's allegation.


It is a sign of the times. Companies like Monster.com apply to jobs all over the world for their clients, and flood companies with resumes. If you mean this is a metric highly correlated to unemployment, then you are incorrect. Job applications for one job at a Hyundai plant in Alabama are not, in fact, a sign of the times.


I really doubt that this is an idea the people who own the working machines can get behind.    Also machines taking away work is an illusion. It just changes what work is. I would argue guaranteed income is less important than the means (whatever they may be) for the workforce to effectively train or retrain for what's needed. That said I also feel that people use the term work and 'what makes money' interchangeably and it seems that this is changing.


"... what does any broker encourage? The ability to buy or sell at the market. How do they encourage that? By allowing people to do it at a lower cost. So, whatever others ""encourage"" people to do, Robinhood does the same, just for less money.   Do people always do what's best or most successful? No, some people like taking in lots of risk for the opportunity for a greater reward, do they understand what they're doing? If they don't, they will as soon as they start losing all their money.   Robinhood is no different than other brokers, just allows for cheaper opportunity."


it sounds like you don't have experience in this, and neither does your *investor*; which is a recipe for disaster (pun intended).  Your first order of business is to check whether your investor is an *Accredited Investor* (google to see what it means), if s/he's not, **walk away**.  If s/he's an accredited investor, find a lawyer who can help you navigate this process, however these are the issues:  * lawyers are expensive, and lawyers who have experience in these type of transactions are even more expensive * you actually need 2 lawyers, one for you and one for the investor * if neither of you have experience, there will be a lot more billable hours from the lawyers.....  In principle this can go 3 ways:  1. The investors give you a loan, you pay them interests on a periodic basis, and then also principal.  Items to be negotiated: interest rates, repayment schedule, collateral, personal guarantees. Highly unlikely this is what the investors wants.  2. The Investors get equity. items to be negotiated: your compensation, % of ownership, how profits are divided, how profits are paid; who gets to decide what.  3. A combination of 1 and 2 above, a *Convertible Note*.  There's a lot more, too much for a Reddit post.  There's not an easy ELI5.


">The question confronting us all is not if, but how will civilization evolve from the unsustainable centralized control of industrialization to the freedom of technologically enhanced open systems?  Industrialization and central control aren't even relate-able concepts. Unless you count that you learned about them both in ""Social Studies"".  Additionally, the author has no concept of how finance operates."


The working principle of the water conditioner is based on a theory. Which states that an electromagnetic or electric field causes little precious stones of calcium carbonate in the water to consolidate to frame bigger gems.  If you have hard water, an Electronic water conditioner is a solution to dry skin and limescale buildup in pipes and appliances. Here’s how just one system can technically improve your water.


Assuming you were immersed in math with your CS degree, the book **'A Non-Random Walk Down Wall Street' by Andrew Lo** is a very interesting book about the random walk hypothesis and it's application to financial markets and how efficient markets might not necessarily imply complete randomness.    Lots of higher level concepts in the book but it's an interesting topic if you are trying to branch out into the quant world.  The book isn't very specific towards algorithmic trading but it's good for concept and ideas.  Especially for general finance, that will give you a good run down about markets and the way we tackle modern finance.    **A Random Walk Down Wall Street** (which the book above is named after) by **Burton Malkiel** is also supposed to be a good read and many have suggested reading it before the one I listed above, but there really isn't a need to do so.    For investing specifically, many mention **'The Intelligent Investor' by Benjamin Graham** who is the role model for the infamous Warren Buffet.  It's an older book and really dry and I think kind of out dated but mostly still relevant.  It's more specifically about individual trading rather than markets as a whole or general markets.  It sounds like you want to learn more about markets and finance rather than simply trading or buying stocks.  So I'd stick to the Andrew Lo book first.    ---  Also, since you might not know, it would be a good idea to understand the capital asset pricing model, free cash flow models, and maybe some dividend discount models, the last of which isn't so much relevant but good foundations for your finance knowledge.  They are models using various financial concepts (TVM is almost used in every case) and utilizing them in various ways to model certain concepts.  You'd most likely be immersed in many of these topics by reading a math-oriented Finance book.  Try to stay away from those penny stock trading books, I don't think I need to tell a math major (who is probably much smarter than I am) that you don't need to be engaging in penny stocks, but do your DD and come to a conclusion yourself if you'd like.  I'm not sure what career path you're trying to go down (personal trading, quant firm analyst, regular analyst, etc etc) but it sounds like you have the credentials to be doing quant trading.    ---  Check out www.quantopian.com.  It's a website with a python engine that has all the necessary libraries installed into the website which means you don't have to go through the trouble yourself (and yes, it is fucking trouble--you need a very outdated OS to run one of the libraries).  It has a lot of resources to get into algorithmic trading and you can begin coding immediately.  You'd need to learn a little bit of python to get into this but most of it will be using matplotlib, pandas, or some other library and its own personal syntax. Learning about alpha factors and the Pipeline API is also moderately difficult to get down but entirely possible within a short amount of dedicated time.     Also, if you want to get into algorithmic trading, check out Sentdex on youtube.  He's a python programmer who does a lot of videos on this very topic and has his own tool on quantopian called 'Sentiment Analyzer' (or something like that) which basically quantifies sentiment around any given security using web scrapers to scrape various news and media outlets.  Crazy cool stuff being developed over there and if you're good, you can even be partnered with investors at quantopian and share in profits.    You can also deploy your algorithms through the website onto various trading platforms such as Robinhood and another broker and run your algorithms yourself.    Lots of cool stuff being developed in the finance sector right now.  Modern corporate finance and investment knowledge is built on quite old theorems and insights so expect a lot of things to change in today's world.  ---  With a math degree, finance should be like algebra I back in the day.  You just gotta get familiar with all of the different rules and ideas and concepts.  There isn't that much difficult math until you begin getting into higher level finance and theory, which mostly deals with statistics anyways like covariance and regression and other statistic-related concepts.  Any other math is simple arithmetic.


Generally stock trades will require an additional Capital Gains and Losses form included with a 1040, known as Schedule D (summary) and Schedule D-1 (itemized).  That year I believe the maximum declarable Capital loss was $3000--the rest could carry over to future years. The purchase date/year only matters insofar as to rank the lot as short term or long term(a position held 365 days or longer), short term typically but depends on actual asset taxed then at 25%, long term 15%.  The year a position was closed(eg. sold) tells you which year's filing it belongs in. The tiny $16.08 interest earned probably goes into Schedule B, typically a short form. The IRS actually has a hotline 800-829-1040 (Individuals)  for quick questions such as advising which previous-year filing forms they'd expect from you.  Be sure to explain the custodial situation and that it all recently came to your awareness etc. Disclaimer: I am no specialist. You'd need to verify everything I wrote; it was just from personal experience with the IRS and taxes.


In investment and corporate banking, Analyst is a catch-all term for entry level positions. They are expected to be proficient in Excel and financial markets/modeling, but not necessarily programming unless it's a Quant role. Specifics are different for every group but the common factor is time at the office. They work at least 60 hours a week.  In my experience the only certification that matters to employers is CFA and it's an intense multi-year commitment. But passing the Level 1 exam would look good on a resume.  Analyst can mean different things in research or corporate finance, but I don't have much experience there.


Close to ten years for me. I went in at 5:58pm to get  a battery charger and asked someone where they were. He said that the store was about to close and he was outta there and walked off. Amazon is infinitely easier for non-emergencies.


Well I'm not going to bust out people who do illegal drugs (illegal in my state) and choose to actively violate their employment contracts.   Call it what you will.   One can also claim that stating pot has no negative impact on work performance is also anecdotal.


Completely agree with this, especially with the level 2 comment. Some sections in the Schweser level 2 books are quite scarce, and will need additional research.   I just passed level 2 this June, and I have pretty much never used the CFAI materials; they are very long and time consuming, whereas the Schweser resources were much shorter, yet still comprehensive enough. Of course, you are in this to improve yourself and learn as much as you can about the world of finance, so if you are not under time pressure, perhaps it may be better for your long term understanding to learn the content from the CFAI resources.   One thing I would stress is to do the Mock exams and topic tests on the CFA website, as this is probably the most important component of your studies. Use these resources to find your weaknesses and fill in the gaps from there.   You should skim read those blue boxes which contain worked examples, but personally I found the end of chapter questions to be too easy and a waste of time tbh.  Hope that helps a bit; all the best for your studies.   TL;DR  Schweser materials are more concise and a better option Regardless of what you use, do official CFA mocks & topic tests


True.  What really triggered it was anti-competetive practices that harmed consumers.  In the current administration and appointments, with their pro-business stances, I don't see anything actually being done about it.      It's also arguable that Wamart no longer has enough retail market share to meet the bar for action, even under other administrations.


From what I understand, you have money earned in US and after paying taxes that are due in the US, you have transferred a portion of this to your brother. As you have earned this money outside India, there is not tax liability of this amount in India. Your giving it to your brother would at best be treated as GIFT [and not Income]. As you are giving it to your brother there is no limit on the amount of money that can be gifted. There is no tax liability for your brother. For more details read the  http://www.moneycontrol.com/news/tax/gift-tax-whatsa-gift_664238.html http://www.thehindubusinessline.in/bline/blnri/exp-tax.htm


"Anytime you do work without any payment until the work is complete, you are effectively extending credit to the party receiving your service. How much credit you are willing to extend will vary greatly, depending on the amount and the trustworthiness of the party. For example, if you are charging $50 for something, you probably won't bother to collect money upfront, whereas if you are charging $5,000 you probably would collect some upfront. But if the party you are working for is a large financially sound company, the number may be even much higher than $5K as you can trust you will be paid. Obviously there are many factors that go into how much credit you are willing to extend to your customer. (This is why credit reports exist for banks to determine how much credit to extend to you.) As for the specific case you are asking about, which may be classified as a decent amount of work for a small business, I would default to having a written scope of work, a place in the document for both parties to sign, and specify 50% upfront payment and 50% payment at completion. When you receive the signed document and the upfront payment (and possibly even after the check clears), you begin work. I would call this my ""default contract"" and adjust according to your needs depending on the size of the job and the trustworthiness of the customer. As for your question about how to deposit the check, that depends on what type of entity you are. If you are a sole proprietor you should ask for the checks to be made out to you. If you are a business then the checks should be made out to your business name. You don't need ""in trust"" or anything similar because your customer, after paying the upfront fee, must trust that you will do the work you promise to do, just like you have to trust that after completing the work you will receive the final payment. This is the reason the default is 50% before and after. Both parties are risking (roughly) the same amount. Tip: having done the ""default"" contract many times in my career, both as a sole proprietor and a business owner, I can assure you there is a big difference between a potential customer agreeing to something in advance, and actually writing a check. The upfront payment definitely helps weed out those that were never going to end up paying you, even if their intentions were good. Tip 2: be as specific as possible as to what the scope of work will include. If you don't, particularly with software, they'll be adding feature after feature and expecting it to be ""included""."


"This ""article"" is a piece of fucking trash. There is no argument here. It's just, ""well doesn't that sound ridiculous?"" No definition of ""societal value"" or even ""society"" is ever given at all. No consideration of the value of a strong economy is given; no specific, quantitative arguments are provided; and no credit is given to capitalism not only for lifting billions of people from crippling poverty to recently unimaginable wealth, but for being the only system to ever do so.   Are food, shelter, and clothing basic human needs? Obviously. How do most people attain these needs? By working for a wage/salary for some company, which are reliant on a functional financial system. Derp."


"In my experience, in a house share situation, it seems to come down to how comfortable the occupants feel and how much of their own space they want.  For example, I've come across lots of situations where someone is renting a room from a live in landlord, but in practice the two housemates (or roommates if you prefer) have equal run of the place and may even share food and hang out together and also the opposite, where people are sharing a property as equals, but tend to stick to their own room and don't share, or even more extreme, where they are technically equals but subject to one or more very domineering housemates (roommates).  This happened to someone I know who was renting with two ""friends"" but was forced to move out.  I run a website - aimed at lodgers and live in landlords, and house sharers to a lesser degree, mostly from the UK, but relevant everywhere as I deal with much more than legalities and tax. I came across this thread as I wanted to explore the difference in the US between a lodger and a roommate.  From what I gather, the term ""lodger"" is understood, but the term ""roommate"" is more typically used to mean a lodger, which in itself suggests a more equal arrangement than in the UK, where we're more used to owning property than renting, and certainly sharing.  However, I believe that if you're letting a room to someone, and they pay you a reasonable rent and respect both you and your home, you should be prepared to treat them as an equal on a day to day basis.  If you're not, then you naturally won't attract either the best rent, or the best lodger/roommate, however desirable the property."


Well, I'd argue they aren't technically 'supposed' to lose cash; VCs and other investors are just ok with it if the growth justifies the loss.   Of course then again, people apparently still own snapchat stock, so who knows.


I think that Westerners often overestimate how much influence the West has over developing countries, like those in Africa, and that there are a million other factors that most of the Western public simply doesn't see.   Yes, agricultural production has increased significantly because of Western (and Eastern) demand, which calls more children into laboring in those fields, because *that's just how it's always been done* in those cotton-producing countries. Of course, more business also means more income for those farmers, who you can bet your bottom dollar would ask consumers to buy MORE of their cotton, and not less.  Higher incomes leads to many other positives for the local and national economy, families, individuals and, yes, those children. That's not to say that schooling wouldn't be preferable to child labor, but (1) that's not ultimately our decision, and (2) that makes a quite questionable assumption that decent, affordable, accessible schooling even exists there.   So my assessment is that Western demand for cotton is a positive for the kids in Burkina Faso. What's more, I will guarantee you that even with all the failings and unpleasant parts of the world cotton commodity trade, Burkinabe cotton farmers would agree.


Those who are looking for Taxi Booking App like Uber, must visit 'Depextechnologies.com'. Uber clone is an online taxi booking Software. Depextechnologies offers Cabying that is highly scalable, robust and integral website & mobile applications. Explore their website to know more.


Estimated Start-Up and Operating Costs in Chartering a Credit Union notes in part: Given the significant costs involved, most groups seek grant money and   non-member deposits (if pre-approved for the low-income designation)   to help subsidize the pre-chartering costs and annual operating   expenses. Thus, in forming the union there would be the money from members and possible grants to ensure completion of the chartering process which is how one starts a CU in the US.


Drinking is debatable, alcoholism is net negative, drunk driving is net negative. Alcohol on its own doesn't kill. It's not quite the same as cigarettes. Maybe we just start with products that kill, that way the moral question isn't so blurry?


They tried, but as government workers their laziness took over.  I went to the post office to get my passport shit sorted. I waited 10 minutes for someone to waddle out from back. I didn't even wait for them to show up, I left because the sign told me I didn't have the right stuff anyway.


"The supposed the-sky-is-falling ""$5000"" figure would require *five hundred* transactions. If anybody actually did that across the 8 days the promotion was active that would require *62.5 transactions per day*.  I think it's more likely that someone was making shit up on the internet."


Cleaning the skin with water and detergents did not help at all. The water and the detergent solution just flowed over the pores and the pores continued to be blocked. When the same skin was exposed to Clarisonic original 2-speed Sonic Skin Cleansing System, the pores instantly opened and the microscope revealed the dirt and grime popping out of the pores. This led to skin that was not only 100% clean, the absence of dirt in the pores made it feel soft to the touch.


The best way is to retain the charge slips. After you are done for the month you can discard them.   Alternatively if you are using any of the personal finance tool or a simple XLS to track exepnses, it would be easy to figure out what you actually spent and what was not yours.


Excellent Question!  I agree with other repliers but there are some uneasy things with index funds. Since your view is death, I will take extremely pessimist view things that may cause it (very big may): I know warnings about stock-picking but, in imperfect world, the above things tend to happen. But to be honest, they feel too much paranoia. Better to keep things simple with good diversification and rebalancing when people live in euphoria/death. You may like Bogleheads.org.


"Her ""experience"" over the past 10-15 years ago is not relevant and the fact is that it ended with the worst and biggest security breach in the history of the world.  Do you want me to give you quotes of what Susan said ""from her experience"" in professional discussions about security? To see how clueless she was.  Let's be brutally honest: what are the chances do you think that Susan got her job because she was an expert and the best choice for the job? I, with at least 98% certainty, am sure that she got her job because she knows someone, or someone at Equifax knows her.  Anyway, enjoy the great experience, talent and knowledge that Susan has in this discussion:  [http://archive.is/6M8mg](http://archive.is/6M8mg)  > Susan: “There are a lot of things to consider with that. One school of thought says that **when you put corporate assets into the cloud, they are more secure because you know exactly what you have there. You have an exact inventory, you know exactly who has access to that data, and how it is controlled.**""  This is so dumb and so incorrect and untrue."


UK is still in Europe, leaving the union doesn't change that. I would change my original claim that they are doing fine, Italy is improving, but not at a good state yet. They are years away from that. However, you omitted all the great countries that I mentioned doing well.   Conclusion? They are individual states, each with their own political systems and leaders.


But they don't fill the same roles oi society. You can't run into an Amazon that is 5 minutes away and grab a few things you need right away but you can with Walmart. Amazon filled the hole of easy online shopping with a focus on consumers. I understand that they can and could very well take out Walmart at some point but that also assumes Walmart will not adapt at all to the changes they certainly see coming. Assuming it happens soon implies Amazon nailing 1-2 hour delivery really soon. They will also need to have those virtual stores hammered down as well I think, though perhaps not. My point is that it's not nearly as cut and dry as you make it out to be and it's not imminent by any means.


Depending on who you have the loan through and how they figure the interest charges (whether daily, monthly, bi-monthly, etc. normally monthly I would assume), your interest is probably figured either daily or once a month.   Let's assume that it is figured daily, otherwise it wouldn't make sense to make bi-weekly payments.   At 4% Annual Interest on a $150,000 home loan the interested added each day is about $16.44, but it doesn't stop there because it is compounding interest daily so the next day it becomes 4% of 150,0016.44 (which is negligibly larger amount) and they will tack on another $16.44. So what will happen is that the amount of interest you owe grows rather quickly, especially if you miss a monthly payment.  Everyone knows that the faster you pay something off the less interest you pay, but not everyone knows the formula for compounding interest.  a quick Google search rendered this site with a simple explanation Compound Interest Formula  unfortunately this formula doesn't take into account the payments being made. The big thing with making your payments bi-weekly rather than a bigger payment once a month is that you pay off some of that principle right away and it won't collect interest for 14 more days. if the interest is only calculated once a month, make your full payment before the interest is calculated, the same goes for your credit cards.


No. There is no asset associated with your short position, so there's nothing to gift. The short position in the stock is purely a liability. When you note that you have a profit in the position, what you mean is that the cash you made when you shorted the stock is more than enough to cover the short position. The only asset in this picture, then, is the cash you made when you entered the short position.


I found the zephyr database, which does the job. Nonetheless if someone knows other (open) sources, be welcome to answer.


"Not having seen the movie, I don't know what you mean by ""fraudulent options buys."" But there are two possibilities: 1) Someone placed buy orders on the account without authorization. In which case it comes down to a protracted lawsuit to determine whether the broker exercised due diligence, or whether Bruce foolishly gave someone his password. 2) The options themselves were fraudulent. In which case the OCC is responsible for making everyone whole."


Is there anywhere I can get further information? I ask because I'm thinking about an alternative theory of money where companies can issue bonds as currency, and we can have coexisting monetary policies.  These relate to what i'm saying:  http://www.reddit.com/r/finance/comments/utf5u/where_has_all_the_money_in_the_world_gone/c4yfkhg  http://www.radicalsocialentreps.org/2012/07/open-source-currencies-on-the-rise-in-greece/   http://www.businessinsider.com/why-are-central-banks-independent-2012-5  http://truth-out.org/news/item/11868-spain-and-greece-are-being-forced-to-suffer-to-save-germany-from-high-inflation


I would go speak to the bank manager. With Wells, you have to make sure it is the bank manager and not a service manager or something you are talking to (I learned that a few months ago).  Tell her/him exactly what happened in detail and that you want the credit card closed and the credit inquiry removed from your credit report. Further, say that once all of that is done, you will decide whether to continue banking with them and whether any legal action is appropriate.  If they give you any kind of push back, I'd get advice from a lawyer. The truth is they did open an account against your expressed wishes and it required them to check your credit so it does constitute fraud unless they can produce a signed document saying you agreed to the card.  Edit: I just saw that this happened about a year ago. It may have been easier if you had done something at the time and may be more difficult if you've used the card in the meantime.


"Allen, welcome to Money.SE. You've stumbled into the issue of Debt Snowball, which is the ""low balance"" method of paying off debt. The other being ""high interest."" I absolutely agree that when one has a pile of cards, say a dozen, there is a psychological benefit to paying off the low balances and knocking off card after card. I am not dismissive of that motivation. Personal Finance has that first word, personal, and one size rarely fits all. For those who are numbers-oriented, it's worth doing the math, a simple spreadsheet showing the cost of the DS vs paying by rate.  If that cost is even a couple hundred dollars, I'll still concede that one less payment, envelope, stamp, etc, favors the DS method. On the other hand, there's the debt so large that the best payoff is 2 or 3 years away. During that time, $10000 paid toward the 24% card is saving you $2400/yr vs the $500 if paid toward 5% debt. Hard core DSers don't even want to discuss the numbers, strangely enough.  In your case, you don't have a pile of anything. The mortgage isn't even up for discussion. You have just 2 car loans. Send the $11,000 to the $19K loan carrying the 2.5%. This will save you $500 over the next 2 years vs paying the zero loan down. Once you've done that, the remaining $8000 will become your lowest balance, and you should flip to the Debt Snowball method, which will keep you paying that debt off.  DS is a tool that should be pulled out for the masses, the radio audience that The David (Dave Ramsey, radio show host) appeals to. They may comprise the majority of those with high credit card debt, and have greatest success using this method. But, you exhibit none of their symptoms, and are best served by the math. By bringing up the topic here, you've found yourself in the same situation as the guy who happens to order a white wine at a wedding, and finds his Mormon cousin offering to take him to an AA meeting the next day.  In past articles on this decision, I've referenced a spreadsheet one can download. It offers an easy way to see your choice without writing your own excel doc. For the situation described here, the low balance total interest is $546 vs $192 for the higher interest. Not quite the $500 difference I estimated. The $350 difference is low due to the small rate difference and relatively short payoffs. In my opinion, knowledge is power, and you can decide either way. What's important is that if you pay off the zero interest first, you can say ""I knew it was a $350 difference, but I'd rather have just one outstanding loan for the remain time."" My issue with DS is when it's preached like a religion, and followers are told to not even run the numbers. I wrote an article, Thinking about Dave Ramsey a number of years back, but the topic never gets old."


I would like to add that coworkers who do give their employer free time are half the problem, as they are enabling this behavior from management. And, why do they do this? Because they are trying to impress management. So, the employee who gives free time to a company is actually *more* selfish than the one who refuses to work more than 40 hours. They are adversely affecting other fellow employees in their own self-interest. I severely resent any employee who regularly gives free time to a company.


Yes, just SHA1 convert of my hash and then a search through the list. A couple of friends looked and they weren't there. It's about 10% apparently - I'd imagine 150m+ users are going to have more than 6.5m passwords amongst them.


">The offending passage from his New York Times piece (link) reiterates the economic truism that debt is “money that we owe ourselves.”  >This is misdirection through aggregation, conflating corporate and government debt owned by pension funds and charitable organizations with underwater mortgages, student loans and sub-prime auto loans in their economic effects. And within his own economics, disaggregating the “we” renders far different results than he suggests.  I have always felt that anyone quoting that phrase ""debt is [just] money that we owe ourselves"" to be a total ASS or a consummate con-artist. They are either truly ignorant (and just regurgitating an indoctrinated dogma in a rote fashion like a trained dog); OR they are being disingenuous and intellectually dishonest.  It is NOT an ""economic truism"", it is an utterly useless, rhetorical, tautological *inanity* (well, useless UNLESS your purpose is to obfuscate, mislead, and misdirect and confuse people)."


I can't say if there is anything specific that makes lending illegal, but if your company goes bankrupt, you might end up in trouble.  First, it's a loan. It must be repaid. It must be in the books as a loan, and if your company couldn't pay its bills, you would have to ask for the money back. If the company goes bankrupt, your creditors will ask for the loan to be repaid.  Now if things are worse, your company goes bankrupt, and the person cannot pay back the money, then you could get into real trouble. Creditors won't like that situation at all. They will claim that you moved that money aside to protect it from creditors. They might be able to force you personally to pay, or even start criminal charges against you if you can't pay either.  In the UK (and probably elsewhere) it's criminal for the company to pay dividends if that means it cannot fulfil its financial obligations. If there is no money left because of that loan, then you can't get dividend payments from your company.  So as long as your company's finances are fine, and that person's finances are fine, you will be Ok (except I don't know if you would need a license), but if there are financial problems then being an LLC might not protect you.


ATM surcharges exist based on the preference of the ATM owner, not the country where it sits.   I believe that any country could have these ATMs if the owner so desired.


Yeah I'm exaggerating for effect.  I'm certain that most places aren't as bad as I'm making them out to be...but *one place*, wherever that is, is much, much worse. Someone is always running an absolute disaster of a key business program(s) out there.


"Soft / Sales skills are crucial for  more  industries, just treat this as a course in communication / stress management.  There's a great book called ""92 ways to  talk to anyone"", use this book and others as theory, and your internship as experience for this."


People have to write that program.. and someone has to upkeep the program and make it interact with an os that is changing not to mention people have to actually use the program also there is always better and more complex programs to write i wouldnt be suprised if the jobs lost through software automation are replaced by programmers and technicians


I'd buy that. I get the sense that Amazon's looking for talent + low COLA areas so they don't have to pay as much (though obv tax breaks can change the equation). Both Austin + Chicago have a burgeoning tech scene, so I can see the same case for both.


I work in sales so I'm not entirely sure, but there is some crossover but more in the late stage. In the beginning they would mainly look at the financials and do the modeling. Operational due diligence is only done when there are real intentions to buy a company.


You can literally get better food from the freezer section at the grocery store.  That's fine, and people will still go to places serving that food if there's other redeeming qualities, but I didn't see any such qualities the couple times I've been to one of these places.  I don't get what the appeal is.


I understand what you're asking for (you want to write options ON call options... essentially the second derivative of the underlying security), and I've never heard of it. That's not to say it doesn't exist (I'm sure some investment banker has cooked something like this up at some point), but if it does exist, you wouldn't be able to trade it as easily as you can a put or a LEAP. I'm also not sure you'd actually want to buy such a thing - the amount of leverage would be enormous, and you'd need a massive amount of margin/collateral.  Additionally, a small downward movement in the stock price could wipe out the entire value of your option.


"I have been in a very similar place like that before (as an intern) and got the hell out quickly.  Let me try to paint a picture.  On the 12th floor of a random NYC midtown building there will be a large office floor with long desks in several rows.  Around the outside against the windows will be maybe some empty conference rooms, random senior people you won't be allowed to talk to, and a poor, miserable compliance guy stuck in a backoffice somewhere.  Each desk will have a phone and a call sheet.  There wont be many computers anywhere - maybe one Bloomberg machine in the back.  Every single person in there is on the phone.  In fact, that will be your job.  Starting at 7:45 sharp, you will be at your desk.  At 8 oclock, you will start dialing the call sheet put on your desk.  If it is a bunch of residences, you will get angry house wives because their husbands are at work (dont ""pitch the bitch""). Next call, you will get someone that passed away 2 years ago - mark your sheet ""dead"" and cross out as you are dialing the next number.  If you manage to get someone that answers their own phone at work and listens to a pitch, you will now get the opportunity to give a grandiose pitch on why a mid market, dividend paying stock is fantastic and should be bought now.  ""Now"" as in you have to open a brokerage account on the first call for no less than a $5k trade.  You will pitch them on why they dont need to ask their wife, why you will bring them great ideas.  Ask them what is their net worth - have they ever hired a broker over the phone (qualify them) or get hung up on.  Anything short of them threatening to call the SEC and cursing you before hanging up means you will be sure to call them again (a prospect actually picking up the phone is about a 1 in 20 dial event)  People just slamming the phones on you? - Call them back for fun because you ""got disconnected"".    If you ever manage to get a client, you will be charging them enormous percentages and fees to do simple trades. But dont worry, you probably wont get a client in the first 2 months, and even if you manage to get clients it will be maybe one or two a month.  Think about the sheer volume of calls you have to make - 300 - 400 calls a day is probably a normal pace.   You will meet the most insane people.  People will go down for lunch or coffee and never return to the office.  Most of the people there you wonder how they ever passed a series 7.  There are people that fail the 7 3 times and quit.  There will be a guy that opens 10 accounts a month and actually will be talking with two phones up to his ears at once.          This is the definition of a high pressure sales job."


Actually, Education is where there's no need for humans: videos and recorded lectures, AI teaching at your own level and pace are much better than a class of 30 students at different levels trying to get the attention of one teacher.


In all honesty, the best solution I've come across is Microsoft's now defunct Money.


There are two different ages, one where you can start withdrawing from the account, and a higher age where you must start withdrawing (at a minimum rate).  The withdrawals are treated like regular income, so they get taxed according to the same rates, and with the same deductions, as a salary.


"**Lowes Foods**  Lowes Foods is a grocery store chain based in Winston-Salem, North Carolina. The chain's initial growth was in the mountains of North Carolina and rural areas of Virginia, but, starting in the late 1990s, has geared expansion towards metropolitan areas in North and South Carolina.  Until October 4, 2009, Lowes Foods used S&H Greenpoints on their store discount card; this was replaced with ""Fresh Rewards"" on October 5. Many of Lowes Foods stores also offer Lowes Foods to Go, where shoppers can order groceries online and drive to the store to pick them up.  ***  ^[ [^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/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot/)   ^] ^Downvote ^to ^remove ^| ^v0.22"


The easiest way is to walk over to any Bank that deals with Foreign Exchange or go to any Western union Money Transfer agencies, they will take the Euro and give you Indian Rupees. Passport is not required, but a proof of identity is required. Banks will also ask you question as to how you got the money, as long as you are able to answer them you will get the money. There would also be local Jewellary stores that would convert the money. If you are dealing with them be sure you have check the rates with few before going into the deal.


A technically strong stock or market is simply a stock or market which is up-trending and has been up-trending for a while. Just as a fundamentally strong stock is one with good fundamentals (a stock that is healthy and making higher profits year after year and continually improving), a technically strong stock has a healthy uptrend that continues to go up and up. Apple was technically strong until it hit $700 (its price stayed above the 200 day MA for a long period until after it hit $700, then broke down through the 200 day MA shortly after - the uptrend was over). I will usually buy stocks which are both fundamentally and technically strong, as a technically strong stock will generally stay technically strong longer if it also has strong and good fundamentals.


Another bit of advice specific to your scenario. Consider buying an ALMOST new car. Buying last year's model can knock a huge amount off the price and the car is going to still feel very new to you, especially if you buy from a dealer who has had it detailed.


I need you to open your eyes just a liiiiiiiiiiiiittle bit more. You act like the only kind of weed available are indica strands. I smoke marijuana because it fights my chronic fatigue and nausea. And every time you smoke doesn't get you stoned off your ass to the point where all you can do is sit on the couch and bum it. Some of the greatest minds smoked pot. You're just being willfully closed minded.


"just one of my personal examples:  in a national sales contest, me against every man/office coast to coast, I came in first.  not only first, but nearly 3x better than the second placer  I was fired at year's end  reason:  ""wannabe2good, you just don't fit in"""


And we're talking only about trumps tax plan which is at 15%. Everyone wants to pay less taxes doesn't mean it's affordable. The Fortune 500 need to fork up the money. You know what would save you money? Bailing out homeowners by taxing the Fortune 500 500b and dishing out refinancing 100k to 5m owners at 1% which will all be returned to the coffers. Borrowing more and more pretending like it's poor people's fault isn't solving shit.


Generally speaking, you'll be able to keep it. Your spending ability may be reduced though. The published eligibility criteria aren't necessarily carved in stone anyway. Some road-warrior types with platinum cards who don't necessarily spend $250k a year will get the card offered to them.


HFT doesn't increase correlations nor do hedge funds, If you look at the euro crisis, correlations have skyrocketed, then in late december jan and feb during the rally the correlations started subsiding and specific risk started taking over, crisis mode increases correlations.


Right now is the perfect time to sell a business. The ideal time to sell a business is when.... The stock market is hot/high (it is) Interest rates are low (they are) Inflation rate is low (it is) Financing is abundant (it is) Market is brisk (it is) When demand is higher than supply (it is) Buyers abound (they are) Pricing is favorable (it is) The company is performing well The owner is ready


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"Can you elaborate? What other countries are you talking about?   It's definitely not uncommon for publicly funded ""healthcare"" (unsure why you put this in quotations) to go to corporate revenues / profits. Canada and Switzerland are two examples off the top of my head who use similar systems. Many other countries use a private sector component.   ""The margins are huge"" largely because of government involvement. The bloated Resource-Based Relative Value Scale (RBRVS) standardized payment scheme determines payments for services based on the resource costs estimated by a committee that meets in private (the Relative Value Update Committee).   This impractical archaic value system has been adopted by 80% of private insurers, impairing their ability to drive down and offer more competitive prices."


You should consider using a lawyer as your agent. We once talked to one who was willing to act as our agent for a fixed fee. Not all attorneys can do it where we live, but there are plenty that can. We ended up going another route, but since then we have found a seller's agent that charges us a fixed fee of one thousand dollars (a great deal for us). We are using her again right now.  It's all about the contract. Whatever you can legally negotiate is possible - which is yet another reason to consider finding a real estate attorney.


This afternoon I used an ANZ ATM inside the Branch on Lane Xang Avenue. The ATM tells you the maximum. Pro tip: If the wad of bills is too thick you can change it at the teller to bills of 100,000 kip each to slim it down a little. I read on a forum that most other banks' ATMs in Laos have a maximum of 1,000,000 LAK but that ANZ's fees are a bit higher than the other ATMs.


I’ve had to move 7 times in the past 3 years, a combination of military, civilian, and student permanent moves. Several of those times it was impossible to bring anything more than a backpack or some luggage so I basically had to start building my home all over.  So yeah mostly big ticket stuff (sonos are a must for me lol) but some late nights I might buy 4 pairs of timbs and wake up not remembering what I did lol.


Usually you want two consecutive quarters before declaring a recession.   This blog doesn't reference any seasonal adjustment; a one or two month decline may be to any number of reasons. E.g. labor numbers dropped this month largely attributed to weather. I only see screen shots of excel sheets, I'm not willing to invest any time into parsing that out :(


Maybe this just me, but learn to talk like an adult. I know it sounds like an insult to say this, but many interns where I work speak very casually, say 'like' frequently, and end all their sentences with an upturn, like a question.   I've worked many suit type jobs, and I find that young people are taken more seriously if they present themselves as adults.


"I think Amazon wants to compete with Walmart the same way Target competes with Walmart.   California Walmarts are depressing. Target offers a somewhat better store with a little better products. My personal experience at Grossmont Center in La Mesa, where a target and a Walmart are anchor stores at either end of a mall, the difference is striking.   I assume (not having shopped at Whole Foods) that Whole Foods has a lot of products that people love. I also assume they are spending a ton on stocking a lot of pricey items that don't move. They might also have whole sections that loose money that may be more trouble than they are worth - the former owners may have thought they drove foot traffic, but Amazon may think otherwise.   In retail, the opportunity cost of having shelves full of crap no one buys is huge. The idea that shelf space is precious cannot be overstated. Amazon wants to use that badly-used shelf space for other stuff they know moves. Products they sell online already. Products their online stats says people who buy similar Whole Foods goods also buy. This means ""cheaper retail products"" - but I don't think it means expired yellow cake mix and a 30lb bucket of lard."


That's an excuse. During the 50s there were plenty of women in the workforce and nothing changed. If that's the case the income should have halved but in reality it's been reduced to about 30%. More to the point companies today couldn't afford to pay people the amount they paid in the past.  EDIT: Why am I being downvoted. Every I have said is 100% factual.


"For some people, it should be a top priority.  For others, there are higher priorities.  What it should be for you depends on a number of things, including your overall financial situation (both your current finances and how stable you expect them to be over time), your level of financial ""education"", the costs of your mortgage, the alternative investments available to you, your investing goals, and your tolerance for risk. Your #1 priority should be to ensure that your basic needs (including making the required monthly payment on your mortgage) are met, both now and in the near future, which includes paying off high-interest (i.e. credit card) debt and building up an emergency fund in a savings or money-market account or some other low-risk and liquid account.  If you haven't done those things, do not pass Go, do not collect $200, and do not consider making advance payments on your mortgage.  Mason Wheeler's statements that the bank can't take your house if you've paid it off are correct, but it's going to be a long time till you get there and they can take it if you're partway to paying it off early and then something bad happens to you and you start missing payments.  (If you're not underwater, you should be able to get some of your money back by selling - possibly at a loss - before it gets to the point of foreclosure, but you'll still have to move, which can be costly and unappealing.)  So make sure you've got what you need to handle your basic needs even if you hit a rough patch, and make sure you're not financing the paying off of your house by taking a loan from Visa at 27% annually. Once you've gotten through all of those more-important things, you finally get to decide what else to invest your extra money in.  Different investments will provide different rewards, both financial and emotional (and Mason Wheeler has clearly demonstrated that he gets a strong emotional payoff from not having a mortgage, which may or may not be how you feel about it).  On the financial side of any potential investment, you'll want to consider things like the expected rate of return, the risk it carries (both on its own and whether it balances out or unbalances the overall risk profile of all your investments in total), its expected costs (including its - and your - tax rate and any preferred tax treatment), and any other potential factors (such as an employer match on 401(k) contributions, which are basically free money to you).  Then you weigh the pros and cons (financial and emotional) of each option against your imperfect forecast of what the future holds, take your best guess, and then keep adjusting as you go through life and things change. But I want to come back to one of the factors I mentioned in the first paragraph.  Which options you should even be considering is in part influenced by the degree to which you understand your finances and the wide variety of options available to you as well as all the subtleties of how different things can make them more or less advantageous than one another.  The fact that you're posting this question here indicates that you're still early in the process of learning those things, and although it's great that you're educating yourself on them (and keep doing it!), it means that you're probably not ready to worry about some of the things other posters have talked about, such as Cost of Capital and ROI.  So keep reading blog posts and articles online (there's no shortage of them), and keep developing your understanding of the options available to you and their pros and cons, and wait to tackle the full suite of investment options till you fully understand them. However, there's still the question of what to do between now and then.  Paying the mortgage down isn't an unreasonable thing for you to do for now, since it's a guaranteed rate of return that also provides some degree of emotional payoff.  But I'd say the higher priority should be getting money into a tax-advantaged retirement account (a 401(k)/403(b)/IRA), because the tax-advantaged growth of those accounts makes their long-term return far greater than whatever you're paying on your mortgage, and they provide more benefit (tax-advantaged growth) the earlier you invest in them, so doing that now instead of paying off the house quicker is probably going to be better for you financially, even if it doesn't provide the emotional payoff.  If your employer will match your contributions into that account, then it's a no-brainer, but it's probably still a better idea than the mortgage unless the emotional payoff is very very important to you or unless you're nearing retirement age (so the tax-free growth period is small).  If you're not sure what to invest in, just choose something that's broad-market and low-cost (total-market index funds are a great choice), and you can diversify into other things as you gain more savvy as an investor; what matters more is that you start investing in something now, not exactly what it is. Disclaimer: I'm not a personal advisor, and this does not constitute investing advice.  Understand your choices and make your own decisions."


"Depth of analysis IS my strong suit. You just showed one level in your example. I grew up in Florida by Sea Ray and watched my friends lies jobs when Clinton started ""punishing the rich"" with luxury taxes.  They sure didn't care that the rich were getting theirs. They were concerned that their boat building/selling/painting/whatever job had just let them go.  But you have to dig down to understand that. ;-)"


Nah, this is a fluff piece designed to get people excited about real estate.  A good rule of thumb is that if a piece has a National Association of Realtors quote in it, it's good odds that that it's trying to promote buying and/or selling real estate and trying to get people excited about real estate.  If there's actually a shortage of supply relative to demand, which is what matters, I'd expect to see Case-Schiller housing price index increases (not just median sales price increases, which I see quoted a bit, as those are affected by what type of house is selling in larger numbers).  Let's go back and look at [YOY Case-Schiller for Los Angeles](http://www.standardandpoors.com/indices/sp-case-shiller-home-price-indices/en/us/?indexId=spusa-cashpidff--p-us----).  Yup, looks like Los Angeles has seen a 4.8% drop over the course of the last year in the index.  Not exactly the sign of a booming housing market.


Take a look at this: http://code.google.com/p/stock-portfolio-manager/ It is an open source project aimed to manage your stock portfolio.


Today SPY (The S&P ETF) trades at $128. The option to buy at $140 (this is a Jan '13 call) trades for $5.  I buy the call, for $500 as they trade in 100 lots.  The S&P skyrockets to 1500 and SPY to $150. The call trades for $11, as it still has a month or two before expiring, so I sell it, and get $1100. The S&P rose 17%, but I doubled my money. If it 'only' rose 9%, to less than $140, I'd lose my investment. No, I don't need to buy the SPY I can sell the call any time before expiration. In fact, most options are not exercised, they are sold between purchase and expiration date.


I'm pessimistic about most things, so: They can't REPO the degree and the knowledge, but they can sure REPO the CAR, so pay off the car. My suggestion would be to pay off the vehicle, because no matter what the future holds (good or bad) you will need a vehicle to get around. Although, I recently found out from the comment below that student loans are a recourse debt that won't be forgiven. Not even with bankruptcy. Most collection agencies will take pennies in the dollar for debt, but not with student loans.


Also, take advantage of off-season times. I say this because anyone from senior associates (fancy way of saying second years isn't it?) to managers will have free time for a little chat here and there. These brief moments helped me get an e-mail or some way of contacting them after I left the internship. Definitely helps.


No. Like Keshlam said, unless you have a crystal ball there is no sure thing. However based on the things you said in your question, you could be better off doing some back testing. With your findings, you can then set up trades in your favor but again it's not 100%. You may also want to check out quant finance stackexhange.


Both have merits, Korea can plan long term for their families inheritance, the west needs to make massive gains every year short term and if the choice is screw the consumer or build loyalty. They are legally required to do the former.  I wish there were no corporations, limited  companies only.  The corporation is nothing like it was legally allowed to be.


"> Gotta keep coming back don't ya.  Yep!  I like good discussion.  > You admitted you were wrong...  I was not wrong.  Insurers are now dropping out of Obamacare mainly because of Trump not enforcing the mandate.  The fact that insurers dropped out before doesn't invalidate my statement.  > ...then sent a opinion piece with no actual data - just feels.  I included that to show the reasons insurance companies left before are different than their reasons today.  It's fine if you disagree with that opinion piece's solution.  > Then you tell me you agree but is another topic. Then 2 fucking sentences later ""address the cost of care"". I fucking give up.  There are three critical elements to healthcare: cost, quality, and access.  Low cost care is of no benefit if it is unavailable or of low quality.  The ACA only focused on one of those three elements: access.  The goal of the insurance portals and medicaid expansion was to get more people insured which is why the ""more people covered"" metric is the one you always hear.  There were a few things in the bill to control quality but other than the mandate to keep premiums down there was nothing to control cost.  This is why when talking about the ACA, the chargemaster is another topic.  The ACA is about increasing access, not lowering cost.  If you want something done about costs and the chargemaster, you need our government to pass a whole different healthcare bill."


Why is it that people spend more time pricing their newest phone plan than their house, or educational costs.  You see students going to law school who have never job shadowed a real lawyer to even see what reality looks like and have no idea the real job prospects.  I'd feel bad, but it takes so little leg work and planning to keep yourself from self imposed financial doom.


The lifetime combat death rate for males in early Ireland and medieval Iceland was somewhere around 1/4 or so; it was absurdly high.  These also weren't modern societies that were dependent on large-scale projects to keep us all alive such as municipal water and electricity, and a functioning modern banking system.  I don't know anything about Quaker Pennsylvania. Details?


Glass is an extremely versatile material. It can be combined with a variety of other materials like wood, steel, aluminium, etc. giving a beautiful finish. Thus, glass balcony balustrades add to the beauty of the building structure making your home attractive and elegant. Natural and eco-friendly glass balcony balustrades not only beautify your home, they also add great value to your property.


HCE is defined as being above 120k$ or in the top 20 % of the company. The exact cutoff point might be different for each company. Typically, only the base salary is considered for that, but it's the company's (and 401(k)-plan's) decision. The IRS does not require HCE treatment; the IRS requires that 401(k) plans have a 'fair' distribution of usage between all employees. Very often, employees with lower income save (over-proportionally) less in their 401(k), and there is a line where the 401(k) plan is no longer acceptable to the IRS. HCE is a way for companies to ensure this forced balance; by limiting the amount of 401(k) savings for HCE, the companies ensure that the share of all contributions by below-HCE is appropriate. They will calculate/define the HCE cutoff point so that the required distribution is surely achieved. One of the consequences is that when you move over the HCE cutoff point, you can suddenly save a lot less in your 401(k). Nothing can be done about that. See this IRS page: https://www.irs.gov/retirement-plans/plan-participant-employee/definitions Highly Compensated Employee - An individual who: Owned more than 5% of   the interest in the business at any time during the year or the   preceding year, regardless of how much compensation that person earned   or received, or For the preceding year, received compensation from the   business of more than $115,000 (if the preceding year is 2014;   $120,000 if the preceding year is 2015 or 2016), and, if the employer   so chooses, was in the top 20% of employees when ranked by   compensation.


Old school redditors unite.  Yes the front page of reddit is shit now, but there is a wealth of awesome stuff under the hood.  I'm only subscribed to something like 2-3 front page reddits still, and a couple hundred small/niche ones.


The World Recovery Centers is the area where drug addiction treatment centers will be most different from each other. After completing  your initial Recuperation from addictions subsequent stage is typically a more extended inpatient treatment program, otherwise called a private treatment. Our experienced doctors and profession staff focuses they place on various aspects of addiction. If your addiction is spiraling out of control and you feel that you can’t manage your life.


Yeah because there are not already 30 self checkout lines in Walmart. Even mc Donald's has them. Sorry but this is going down with a shit minimum wage. If 500,000 have to 'lose' their job for tens of millions to have a living wage so be it.


It is my understanding that banks pay less than the going rate on savings accounts and require that the person who takes out a loan pay more than the going rate. That is how the bank gets its money.  Usually the going rate is affected by the current inflation rate (but that has not been true for the last few weeks). So that means that, typically, the money you have in the bank is, gradually, losing purchasing power as the bank typically pays you less than the inflation rate.  So if you want your money to keep pace with inflation (or do a bit better) then you should buy bonds.


Index funds, like IBB, generally lack active management, which equates to lower expenses. This is simply because the target index, the NASDAQ Biotechnology Index in the case of IBB, is composed of known quantities. This means there won't be stock pickers or analysts constantly swapping holdings, increasing the turnover rate of the portfolio and increasing capital gains; costs that are offset by higher expense ratios in more actively managed funds.


"haha I used to be the same way. But then I began to realize that these charts are somewhat intentionally vague so that the topic does seem more confusing and complicated, so then we're much more inclined to just say ""hmm ok, I guess they know what their talking about"".   That's the beauty of numbers too; they can be manipulated and concentrated into certain way so that it helps to prove a thesis someone is positing. Unfortunately these charts often provide zero context to go along with it, so any real knowledgable investor wont give much thought to one set of charts, like the ones in this post."


ETFs are legally separate from their issuer, so the money invested should (the lines can get blurry in a massive crisis) be inaccessible to any bankruptcy claims. The funds assets (its shares in S&P500 companies) are held by a custodian who also keeps these assets separate from their own book. That said, if no other institution takes over the SPY funds the custodian will probably liquidate the fund and distribute the proceeds to the ETF holders, this is likely a less than ideal situation for the holders as the S&P500 would probably not be at its highest levels if State Street is going bankrupt (not to mention the potential taxation).


Yes, that is correct. Note, when there is a tax treaty between Canada and the other country -- [which is pretty much anywhere you have active business](http://www.fin.gc.ca/treaties-conventions/in_force--eng.asp) -- the tax credits are equal to the income received, making it tax free. Here is a better explanation:  > The greatest advantage of having a foreign affiliate in the international business setting is  to repatriate foreign profits back to Canada tax free under certain conditions, for example,  if a foreign affiliate carries on an active business in a designated treaty country (i.e. a  country with which Canada has a tax treaty). The after-tax profit is included in a pool  called “exempt surplus”. If the repatriation of profit in the form of dividend was paid out  of the “exempt surplus” pool to a Canadian corporate shareholder, such dividend is  included in its income and the same amount is allowed to be deducted in computing its  taxable income. In other words, the dividend is not subject to Canadian tax if received by  a Canadian corporate shareholder.   [Source, p3](http://www.canadataxplan.com/test/canadataxplan/files/Book%20-%20English_summary_12-22-2008.pdf)  Edit... here from the NRC site:  > Treaty Countries: **Active business income earned in a treaty country is classified as “exempt surplus.”** The exempt surplus of an FA also includes inter-affiliate dividends received out of the exempt surplus of other foreign affiliates, the exempt portion (25%) of all capital gains, and certain taxable capital gains. **Dividends paid out of the exempt surplus of an FA can be received free of additional taxes in Canada**, since the profits out of which they are paid are considered to have borne a rate of tax in the treaty country comparable to that of Canada.  [Source](http://www.nrcan.gc.ca/mining-materials/taxation/8880) see the section on Subsidiary Income. This is the reason BK is moving to Canada. [Also here is a very interesting deck on corporate tax minimization in latin america by the Canadian mining industry.](http://miningtaxcanada.com/wp-content/uploads/2010/05/TOR01-5160395-v1-RMLF_Cartagena_Slides.pdf)


The are legit, I have been a member for more than 15 years. I have used there services many many many times. I have never sold any, I have only been a customer. The friend who sold me the service did very well for himself selling and recruiting.


Elders are there because they are old, not because of selfishness. So?   You don't see them generating massive wars, child prostitution or torture either. By the way, during the race to space the first one to invent the cellphone, get a satelite into space, a man into space, a woman into space was the Soviet Union. Was that the selfishness model too?


I thought it was somewhat of a dick move to lmgtfy since it is like here since you can't do it for yourself, I'll show you how. I was trying to make a point though. I don't think saying that I don't get why people don't Google simple things is being a dick again.


It has got to do with market perceptions and expectation and the perceived future prospects of the company. Usually the expectation of a company's results are already priced into the share price, so if the results deviate from these expectations, the share price can move up or down respectfully. For example, many times a company's share price may be beaten down for increasing profits by 20% above the previous year when the expectation was that it would increase profits by 30%. Other times a company's share price may rise sharply for making a 20% loss when the expectation was that it would make a 30% loss. Then there is also a company's prospects for future growth and performance. A company may be heading into trouble, so even though they made a $100M profit this year, the outlook for the company may be bleak. This could cause the share price to drop accordingly. Conversely, a company may have made a loss of $100M but its is turning a corner after reducing costs and restructuring. This can be seen as a positive for the future causing the share price to rise. Also, a company making $100M in profits would not put that all into the bank. It may pay dividends with some, it may put some more towards growing the business, and it might keep some cash available in case cash-flows fluctuate during the year.


If you're simply trading with your own money and have not incorporated, then you are not eligible for a solo 401(k).  Nerdwallet has an excellent Q&A on the topic here for example.  Solo 401(k) is only allowed to be funded with earned income, and capital gains are not earned income. From the IRS page on One Participant 401(k) plans: Elective deferrals up to 100% of compensation (“earned income” in the case of a self-employed individual) up to the annual contribution limit Earned income is defined by the IRS here: But not including: Even more clearly, that page notes: There are two ways to get earned income: You work for someone who pays you or You own or run a business or farm Capital gains are certainly neither of these. Now, I have read several articles suggesting one way to go about using the Solo 401k.  All of them suggest that you would need to incorporate in some fashion that would require a Schedule C tax return, though, and be trading with the company's money rather than your own, and then pay yourself a wage from that.  In that case you would be eligible for a Solo 401(k), and you might even be better off as a result of all that maneuvering (even though you'll be taxed at a higher rate for any income you do keep, likely, and have to pay self-employment tax).


i will not calculate it for you but just calculate the discounted cash flow (by dividing with 1.1 / 1.1^2 / 1.1^3   ...)of each single exercise as stated and deduct the 12.000 of the above sum.  in the end compare which has the highest npv


17.5 thousand miles/year is pretty high mileage.  You could find an Accord or Civic of comparable age with much lower mileage than that, and it wouldn't be a stretch for someone (even with your limited credit history) to get a loan on an old car like that.  You might try to have your parents cosign on a loan depending on their financial circumstances.  That's how I bought my first car 13 years ago. The biggest surprise you might want to consider is the cost of full collision auto coverage which will be required by whatever bank you finance through.  Get quotes for that before signing any papers.  (I spent $2000 more on a motorcycle because the more powerful one cost $2000 less/year to insure just a few years after I bought that first car.)  Speaking of which, another thing to consider given the nice LA weather is a motorcycle.  The total cost of ownership is much lower than a car.  You will probably not want to pursue that option if you do not have medical insurance, and you may not want to anyway.


> Just curious, if your already at a BB how come you decided to go back for the MS and not an MBA?  No interest in management.  Far more interested in moving from market maker to a top 5 or top 10 HF trading/portfolio mgmt role.  Finishing up my CFA now so a MS is a bit of a last resort (basically, if I can't get in via networking and a CFA charterholder then I'll pursue a MS)


Regardless of how long the mortgage has left, the return you get on prepayments is identical to the mortgage rate. (What happens on your tax return is a different matter.) It's easier to get a decent financial calculator (The TI BA-35 is my favorite) than to construct spreadsheets which may or may not contain equation errors. When I duplicate John's numbers, $100K mortgage, 4% rate, I get a 60 mo remaining balance of 90,447.51 and with $50 extra, $87132.56, a diff of $3314.95. $314.95 return on the $3000. $315 over 5yrs is $63/yr, over an average $1500 put in, 63/1500 = 4.2%.  Of course the simple math of just averaging the payment creates that .2% error. A 60 payment $50 returning $314.95 produces 4.000%. @Peter K - with all due respect, there's nothing for me about time value of money calculations that can be counter-intuitive. While I like playing with spreadsheets, the first thing I do is run a few scenarios and double check using the calculator. Your updated sheet is now at 3.76%? A time vaule of money calculation should not have rounding errors that larger. It's larger than my back of envelope calculation.  @Kaushik - if you don't need the money, and would buy a CD at the rate of your mortgage, then pay early. Nothing wrong with that.


If you have an actual legal entity (legal partnership) that is jointly owned by you and your partner, then the partnership receives the money, and the partnership then sends money to you and your partner. Each of you will pay tax on your share. It's possible that the partnership itself may have to pay taxes. If you are not following that procedure in terms of actual money flow - for example if the royalties are paid into your personal account instead of a partnership account - then you may have trouble convincing the tax authorities that this is the legal situation. If this is a small amount of money then you may be better off just paying the taxes.


"I like these charts but I wish they went back further to show when Obama took office.  If you looked at the progression of these charts from when Obama came into office you would be forced to assume Obama was only just short of the messiah. That was a combination of luck and some decent policies and a *very* helpful Fed.  Trump actually has a somewhat ""steady state"" economy to work with. We've been muddling along in the current economic milieu since about 2012. Where we go from here can, i think, be safely attributed to policies Trump enacts. Obama faced gridlock for so long that nothing got done after Obamacare."


"Using your Uber vs. Medallion taxi driver as an example...  The problem in the sharing economy is an individual -- working as an independent contractor -- takes on all the risk and reaps diminishing rewards while the profit of the company to which the individual is contracted increases significantly.   Case in point with Uber: Let's say you decide you want to drive for UberX. You lease a Prius, and thus are on the hook financially for $350/month + $100/month insurance + $300/month gas and other car expenses, and you'll have that for three years. That's a $750 nut.   Your nut remains the same, but you have very little protection to ensure that your earnings are going to continue to come in, especially if you look at it long term. I am most familiar with the ridesharing market here in Seattle, and just in the last two years the number of ridesharing drivers (Uberx, Lyft, Sidecar) has exceeded an estimated 3,000. Sure, the customer base grows, but there is also a continuing influx of additional drivers competing for those ""fares."" With the medallion system, there is some level of protection to ensure that the industry remains viable for those who carry a medallion (I am not advocating completely for this system and realize that the complacency the government protection gave to the taxi industry led to customer service/quality issues.)   So back to Uber...As Uber fights for market share, both capturing from the taxi industry but also competing against Lyft and people driving their own cars, they lower prices. In some cases these lower prices have been in the form of discounts, in some cases, lower fares. In Seattle, currently, the minimum fare for an UberX ride is $4. It was $6 a year ago. Uber takes a 20 percent cut from drivers, and also charges drivers $10 a week to use their service. If a driver makes $1000 a week in fares, they pull down $800 of that, after taxes, let's call it $600, so over the course of a month, you're looking at $2400, minus your nut (including phone rental) let's call it $1600 take home pay.   These people aren't getting rich to begin with, and are at a huge risk for when Uber or Lyft or Task Rabbit or whoever decides to cut their prices again. These services are beyond great for the consumer, but are a temporary stopgap for anyone relying on them for work. The big problem here is that companies like Uber are advertising HEAVILY that you can make $30/hour on their service, enticing people to make investments in things like cars to drive with them, but at the end of the day, you're an independent contractor and Uber owes you nothing.   I believe Uber (I single them out because I think Lyft is a little better at this) preys on the ignorance of potential drivers to lure them into the system."


I know there are plenty of people who have to deal with the stress and know it isn't pleasant...but it's hard to see how much worse it is as far as stress goes because I have to pay $1950 in rent each month and don't get the option to default and if I do, I don't get to wait for 8 months while the banks get their paperwork in order to evict me.  I want to believe that in the end I will come out ahead but either I've been incredibly smart with my life decisions or incredibly naive...


The charts suggest otherwise. Although most of the large gains were wiped out in 2008 and 2011, that doesn't include the substantial dividends you are likely to get with financials. They still returned a positive percentage and some outperformed benchmark indices over time.   But hey, don't let your bias get in the way.


YORKA İNŞAAT olarak bu güne kadar birçok projede (Mesken, Konut, Villa, Residence, Depo, Fabrika, Sanayi, Şahıs ve Site Yönetimleri, Resmi Kurumlar, Belediyeler, Özel Kuruluşlar, Toplu Konutlar, İnşaat Firmaları Alt Yüklenici Hizmetleri) ana ve alt yüklenici olarak görev aldık. Tecrübeli ekibimiz ve iş kalitemizle her bir projeyi alnımızın akıyla ve sıfır problemle tamamladık.