Generally speaking: when a company buys another company it's a complex agreement that spells out many things, including how the acquiring company is paying for the target company.  These are the most common form of payment:  1. Cash. Shareholders of the target company get cash. 2. Shares. Shareholders of the target company get shares of the acquiring company. 3. A combination of 1 and 2 above.


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Mr. Raphael Lilla is a member of the International Society of Business Leaders with over 20 years of work experience working in the Swiss and International financial markets. Currently, he is operating as the Executive Director of SBC Group AG, Switzerland, and as Managing Director of Swiss Bullion Company International LLC, Dubai.


You need to get yourself a credit card, and use it regularly and also repay on time. This will help increase your credit score.  Hope you have a regular job which is bringing in money every month, but having just this isnt enough, get a credit card.


A private company say has 100 shares with single owner Mr X, now it needs say 10,000/- to run the company, if they can get a price of say 1000 per share, then they just need to issue 10 additional shares, so now the total shares is 110 [100 older plus 10]. So now the owner's share in the company is around 91%. However if they can get a price of only Rs 200 per share, they need to create 50 more shares. So now the total shares is 150 [100 older plus 50]. So now Mr X's equity in his own company is down to 66%.  While this may still be OK, if it continues and goes below 50%, there is chances that he [Original owner] will be thrown out


NO Even worse, most BTL(buy to let) lenders will not lend if you are going to be living in the property.    There are very few lenders that will touch something like this.    It is likely you will also need to use bridging for the time the building work takes at something like 1.5% per month! Try posting the question to http://www.propertytribes.com/ as there are a few UK mortgage experts on that site.


At an income of $95K you are on the edge of qualify for $500,000 mortgage (once you have a down payment).   Yes the fastest way to qualify for a $500,000 condo is to save for a down payment.  I am suggesting that might not be the best long term financial plan.  You are only going to qualify for a 30 year term.  You still have a student loan where interest is not tax deductible.   You have put you yourself in a long term debt position and if you lose your job a potential cash flow problem with a risk of losing the condo.   Since you are living at home I would go after that student debt.  Looks like you could pay it off in like a year.  I don't know prices in you area but maybe go in at less than $500,000 for your first home.


There are several reasons:


What are your alternatives? If you have something else lined up that is better than this internship, then yes, you should jump ship. Remember, you are your first priority. Don't worry about getting burned, and don't necessarily trust someone's promises. Many people in your life will overpromise and underdeliver.  With that said, if you don't have something to fall back on (that can provide relevant experience that you're looking for), then stick it out. Selling (including cold-calling) is an extremely important skill to have; there will be many times in the future where you will have to sell something, whether it's yourself, or an idea, or some other product. Use this internship as an opportunity to improve your sales skills, your English, and overcome your shyness. Take time to learn as much as you can - whether it's about running a business, your boss's previous experience, or anything else that may come in handy in the future.  Good luck!


True I'm not surprised I was wrong about that. I worked at this place over the summer where I looked at a lot of PE deals and I remember that name coming up in the context of tech consulting companies that did software dev, took a shot


The moment the dividend is announced, especially from a company that doesn't normally pay dividends, the dividend is factored into everybody's analysis. In the absence of any other news the price of apple would be expected to drop once the dividend in locked in. Why would I buy shares from you at full price one day after the dividend is paid, if I will have to wait for the next dividend? Also keep in mind the dividend was announced on July 24th, and is given to shareholders of record on August 13th. You are way behind the curve.


"A quick Craigslist search in my area (New England) pops up a number of RVs in claimed good/running condition in the $2000 - $5000 range, so it's not ""too good to be true"" that a motivated seller would sell one slightly below market: selling things is a lot of work, and lowering prices is essentially paying the buyer to not make you do that work. Of course, you should still do you due diligence: If the seller objects to you doing this, then you should be suspicious (inexperienced sellers, e.g. a widow whose husband may have handled these things in the past, might get spooked by asking to take it to a mechanic, so be prepared to reassure on that front).  Otherwise it's no more risk than any used vehicle purchase."


Join LinkedIn. Become a group member of your college alumni and any groups you find that relate to the field in which you are looking. Post a message on the group boards asking for help in giving you guidance/direction. Then do a search on the people in each group to see if anyone might be in the field of work in which you are interested - message them and ask them questions or see if they can direct you to someone who can help you.  Consider doing an internship, too. Foot in the door experience, plus you meet a lot of people.   Good luck!


For long periods of time a short ETF's performance will not match the negative of the long ETF, e.g. funding costs and the fact that they 'only' match daily returns will result in a suboptimal performance.   If possible use other derivatives like a put on a long gold etf (fgriglesnickerseven)


It's funny you bring up trains. If you actually go back and look at the history of trains during the rise of the automobile you'll find that their practices were far worse than anything Hollywood is doing. Remember when the government was busting up all the Big Trusts (high school History)? The Railroad Trust was fucking with everything from ticket prices, to worker's rights, and yes even regulations to squeeze as much as they could before their ultimate demise. It's a sad lesson because if they had learned to function alongside cars and their actual value of facilitating transportation we wouldn't have the transportation crisis we face now. Your analogy is depressingly apt.   Crowdfunding, a drop in media prices, and 1-login-anywhere-on-demand media services (a la Steam) are definitely sure to crop up over the years and I totally agree that *these* will combat piracy more than anything the government can do. Because honestly I think the U.S. Government pulls this kind of bullshit just to show the American public that they are relevant. Just because they are on the completely wrong side of the argument doesn't mean donors aren't popping up out of nowhere, their offices and websites aren't flooded with traffic, and they aren't benefiting from the press. If they aren't manufacturing retarded schemes like this, they'll have to get back to the real work of voting about the logos on our currency.


Good for you.  That's where it's at.  Hell, I've thought about doing the same.  But, if someone wants me to work in Manhattan, I'd take no less than $250k per year.  I'm not saying my work is worth that, but it wouldn't be worth it *to me* for anything less.  Although, if there's one group of people *more* loathed than beltway bandits, it's investment bankers.  Probably, if it all came down, people would gladly spike both our heads.  Really, I don't expect the zombie apocalypse anytime soon.  But, it's an enjoyable escape!  Edit.  I wasn't a B.  I was an A.  Maybe, just maybe, I have some experience with SOF.  Christ, people think that Tier 1 operations are some kind of shadow magic and that SOF are fucking ninjas.  Operations are about keeping things simple.  And don't even get me started on how LEOs work.  I've trained them and worked with them often.  Hint, hint: if you do good ISR, you don't tend to throw flashbangs into babies' cribs.


Do we even control the Capital of Afghanistan if aircraft have to provide air support in the Fucking Capital and kill Civilians.  Why has that Orange buffoon got sucked into this when he campaigned on exiting this stupid war?


You can find all the essential amino acids in the plant kingdom. The only thing that isn't found in the plant kingdom is B12, which is a bacteria found in good quality dirt. So unless you eat high quality free range meat or kill your own meat you won't be getting any B12.


A friend from Shell (Indian by blood/South African by nationality) told me a couple of months ago that China, India, and Russia had a long term plan cooking to run crude through to China from Russia; thence to India via pipeline. This is a real showstopper deal. When I looked it up online, there is evidence it is coming.   Who knew about the big gas deal with China? Who knew about this one with Iran?  Carnegie.ru (Dmitri Simes) says this whole thing is about control of and regime change of Russia by the US through State Department policy. Notsomuch Ukraine as Russia!  Given the US' record with regime changes, if Carnegie is right, this is a huge FAIL. DOOMED!!


"This is hysterical. Trickle down economics once again!  ""Hey guys, if we make them not be able to move to new firms in the state, they'll stay forever and we'll make money!!""  More like your educated students will go to school out of state to avoid this, and people will move states altogether for better paying jobs and lifestyle.  It's like Idaho is trying to get their citizens to leave Idaho. It's Idaho. They need to every incentive to keep citizens there."


Stock issuing and dilution is legal because there must be some mechanism for small companies to grow into big companies. A company sees a great investment opportunity.  It would be a perfect extension of their activities ... but they cannot afford it. To get the necessary money they can either take out a loan or issue shares. Taking a loan basically means that this is temporary, but the company will go back to being small when the loan is paid back. Issuing new shares basically means that the Board means that this growth is permanent and the company will be big for the foreseeable future. It is utterly necessary that companies have this option for raising cash, and therefore it is legal. As detailed in the other answers, you end up with a smaller percentage of a larger company, usually ending up with more or less the same value.


Pay them off immediately. But, as I note in my article Too Little Debt?, a zero utilization is actually a negative hit. So you want to just use the cards to get over 1%. i.e. if the lines add to $38K, just charge say, gas and some groceries, $100/wk. Pay in full every month. It's the amount on the statement that counts, not the amount carried month to month accruing interest, which, I hope is zero for you from now on.


In my experience dealing with credit cards and store cards, you may find that the store card is much more flexible than the credit card in terms of the enforcement of the card agreement.  For instance, I've missed payments on credit cards and only been 1 day late and saw a rate increase, but on a store card when the same thing happened, it was like they didn't even notice.  Granted, this was a 100% store card with no VISA/MC logo on it, and it was through their bank. This may not be true of all store cards and your experience may differ, but I felt like the store card was more of a tool for acquiring the merchandise and helping the store make a sale than it was for some big bank to make money off of my interest. With credit cards, you are the product, and the bank makes money purely from interest. The store, on the other hand, makes money from selling the product, and credit helps increase sales. My suggestion is to avoid credit altogether as all debt is risk, but if you must use credit, you may have a better experience with the store card. Of course, don't forget to consider the interest rates, payment plan, and other fees that may apply as they may affect your decision in terms of which to go with.


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Dawn J Bennett Dawn Bennett is the founder and CEO of Bennett Group Financial Services, LLC, and serves as the host of Financial Myth Busting with Dawn Bennett. Financial Myth Busting is a nationally-syndicated radio talk show based in Washington, D.C. that airs on Sunday mornings. On the show, Dawn offers listeners a unique perspective on both financial and political current events, and enriches her programs with insight from leaders in the private and political sectors, as well as popular cultural figures.


"The current tax regime?  Not sure if you are being serious or facetious, but:  [US Citizens and Resident Aliens Abroad - Filing Requirements](https://www.irs.gov/individuals/international-taxpayers/us-citizens-and-resident-aliens-abroad-filing-requirements)  >If you are a U.S. citizen or resident alien living or traveling outside the United States, **you generally are required to file income tax returns, estate tax returns, and gift tax returns and pay estimated tax in the same way as those residing in the United States.**  In contrast, corporations don't pay taxes on profits earned abroad until repatriation [here](http://money.cnn.com/2014/08/14/news/economy/corporate-taxes-inversion/index.html), [here](https://www.nytimes.com/2017/03/09/business/economy/corporate-tax-report.html), [here](https://www.bloomberg.com/graphics/2016-apple-profits/).  So guess what they NEVER do?  This is why literally every large US multi-national corporate ""person"" pays next to nothing in taxes.  It is quite obvious that this is a violation of the spirit if not the letter of tax law.    That simple fix would wipe out massive amounts of government debt and force multi-national corporations and their shareholders to become engaged stake holders in the efficiency of government.  But if, unlike W-2 paid human counterparts, you can dodge all taxation, ""Who cares if the government is using funds efficiently?""  That is incentive to actually game the system to force the government into wasteful spending because the subsequent fallout of increased taxation and/or failure of the state can be dodged without consequence."


Tips on The best way to Look for [dallas advertising agency](http://www.elevate-group.com)  who have been about for a even though will surely agree with us when we say that one from the ideal methods to market place your product will be to develop credibility in your brand name. The brand name will likely be what individuals acknowledge essentially the most and in the event you managed to develop one that features a optimistic effect in your goal industry, then you're definitely on the proper road.


Buddy I know how a student investment club works, my school had a great one but thanks for the explanation. Doesn't change the fact that a valuation by some college kids is meaningless, but you wouldn't understand that because you're still a 20 year old kid with no industry experience. I love that you're bragging about your college to someone who has already graduated and made it into the industry, shows you really have no accomplishments to speak of.


If you call them, you can make sure they'll use the new address, but if you want to do it online, there is some risk that the update is delayed. Note also that an address change with an immediate request for a replacement debit card smells very fishy - this what a hacker / thief would do to get your money. Calling seems to be the better approach, as you can verify your identity further. Otherwise, you might well run into an automated block.


"It depends on when you can get the money, not when you know that you won or when you choose to take the ticket in.  If you can present your ticket this year and get paid this year, the taxes are due this year, whether or not you actually choose to claim the prize this year.  If you cannot receive payment until next year, then taxes will be due next year.  This is ""constructive receipt,"" which applies to most individual tax situations. This assumes that you chose to receive a lump sum.  If you get installments, then your taxes would be due as the installments are available, but the constructive receipt still applies."


The general difference between high dividend paying stocks and growth stocks is as follows: 1) A high dividend paying stock/company is a company that has reached its maximum growth potential in a market and its real growth (that is after adjustment of inflation) is same (more or less) as the growth of the economy. These companies typically generate a lot of cash (Cash Cow) and has nowhere to really invest the entire thing, so they pay high dividends. Typically Fast Moving Consumer Goods (FMCG) ,Power/Utility companies, Textile (in some countries) come into this category. If you invest in these stocks, expect less growth but more dividend; these companies generally come under 'defensive sector' of the market i.e. whose prices do not fall drastically during down turn in a market. 2) Growth stocks on the other hand are the stocks that are operating in a market that is witnessing rapid growth, for example, technology, aerospace etc. These companies have high growth potential but not much accumulated income as the profit is re-invested to support the growth of the company, so no dividend (you will be typically never get any/much dividend from these companies). These companies usually (for some years) grow (or at least has potential to grow) more than the economy and provide real return. Usually these companies are very sensitive to results (good or bad) and their prices are quite volatile. As for your investment strategy, I cannot comment on that as investment is a very subjective matter. Hope this helps


Most of them use TA or hopeful rumours to bet on. If you wanted to get into crypto from a solid fundamental base, it's probably too late. Most of the cryptocoins' returns (if any) don't match up to their valuation and pretty much all of them are in some form of beta. People are smelling the possible revolution that the underlying blockchain technology may bring to our current systems but are misplacing blockchain tech with the cryptocoins themselves.  For correlation it's not very sophisticated but think of each cryptocoin as a company and you can draw lots of parallels. You can evaluate their returns (from their whitepaper), underlying technology, potential market share, their team, market sentiment, USP, comparison with other similar cryptocoins (also look at bubble markets in other technological revolutions), industry threats/potential.  It's not impossible to make money, if the dotcom bubble is anything to go by there is clear precedent for survivors to thrive, it's more of a question of do you understand how everything works well enough to predict the survivors, if there even are going to be any?


"One thing I'd quibble on. There is mainstream exposure. You are probably correct that everyone isn't buying records.   But from late 90's, non-existent to the availability now is a huge change. still not as common as groceries, or coffee.   The awareness of vinyl's return is fairly mainstream. Like when society as a whole co-opts a phrase / word, like ""bling"" or etc. That doesn't mean grandma is ""street"" now."


Co-Pays. I know, with good medical, that's just $10-$20. Acupuncture, Chiropractic Care (if not paid by your plan) Eye Exam, often not covered so well.  Eye Glasses. Often far higher than the plan pays. Over the counter drugs (update - starting 2011 these can only be reimbursed if they are prescribed, probably more trouble than it's worth), cold medicine, band-aids, ace bandages, heating pad. Birth control (condoms, foam, sponges, if you are worthy)  Any of those work for you? Note, regulations permit the FSA administrator to allow up to $500 to rollover to the next year, check if your plan permits this.


Given the universal crisis and how difficult it’s to gross money these days, people are reconsidering allowances and wise money management. Louis vuitton online sale are virtually each where, however sadly, only a certain folks are able to purchase them with the costly rate tags that come along with them. But, designer bargains really are the stuffs to scout for when it’s the matter of new designer fashion at a much more reasonable.


"When you say ""apartment"" I take it you mean ""condo"", as you're talking about buying. Right or no? A condo is generally cheaper to buy than a house of equal size and coondition, but they you have to pay condo fees forever. So you're paying less up front but you have an ongoing expense. With a condo, the condo association normally does exterior maintenance, so it's not your problem. Find out exactly what's your responsibility and what's theirs, but you typically don't have to worry about maintaining the parking areas, you have less if any grass to mow, you don't have to deal with roof or outside walls, etc. Of course you're paying for all this through your condo fees. There are two advantages to getting a shorter term loan: Because you owe the money for less time, each percentage point of interest is less total cash. 1% time 15 years versus 1% times 30 years or whatever. Also, you can usually get a lower rate on a shorter term loan because there's less risk to the bank: they only have to worry about where interest rates might go for 15 years instead of 30 years. So even if you know that you will sell the house and pay off the loan in 10 years, you'll usually pay less with a 15 year loan than a 30 year loan because of the lower rate. The catch to a shorter-term loan is that the monthly payments are higher. If you can't afford the monthly payment, then any advantages are just hypothetical. Typically if you have less than a 20% down payment, you have to pay mortgage insurance. So if you can manage 20% down, do it, it saves you a bundle. Every extra dollar of down payment is that much less that you're paying in interest. You want to keep an emergency fund so I wouldn't put every spare dime I had into a down payment if I could avoid it, but you want the biggest down payment you can manage. (Well, one can debate whether its better to use spare cash to invest in the stock market or some other investment rather than paying down the mortgage. Whole different question.) ""I dont think its a good idea to make any principal payments as I would probably loose them when I would want to sell the house and pay off the mortgage"" I'm not sure what you're thinking there. Any extra principle payments that you make, you'll get back when you sell the house. I mean, suppose you buy a house for $100,000, over the time you own it you pay $30,000 in principle (between regular payments and any extra payments), and then you sell it for $120,000. So out of that $120,000 you'll have to pay off the $70,000 balance remaining on the loan, leaving $50,000 to pay other expenses and whatever is left goes in your pocket. Scenario 2, you buy the house for $100,000, pay $40,000 in principle, and sell for $120,000. So now you subtract $60,000 from the $120,000 leaving $60,000. You put in an extra $10,000, but you get it back when you sell. Whether you make or lose money on the house, whatever extra principle you put in, you'll get back at sale time in terms of less money that will have to go to pay the remaining principle on the mortgage."


If I were in your shoes I would concentrate now on investing in yourself.  Your greatest wealth building tool is your income.  Going to school is great, make sure you can finish.  Also is there additional coursework you can obtain that might help boost your salary?  I would look for course in the following areas that might be outside your core competency: After that I would concentrate on some books that will help you in your journey.  However, I would not start investing until you have a well paying full time job: That will get you started.


Updating this question with a report from Clark Howard: http://www.clarkhoward.com/news/clark-howard/homes-real-estate/home-warranties-not-worth-paper-theyre-written/nDYMR/ Of course everybody is right so far... Home warranties aren't worth the paper they're written on, but that   hasn't stopped homeowners from buying them by the millions. Nor does   it negate their effectiveness as a tool you can use to sweeten the pot   if you have to sell your home in a tough market. The Chicago Tribune reports that 3 million homeowners bought home   warranties last year. Yet at the same time, for six years running,   home warranty companies have led a list of the most complained about   companies in America out of 500 different categories tracked by   AngiesList.com. Basically the point he is trying to make is that home warranties aren't worth it (by and large) for the average home owner.  However, if you are selling a home, offering to pay for a warranty for one year for the new home buyer is a sweet incentive for selling your house.   At first, there seems to be a contradiction, but not in actuality.  If you expect a home warranty to serve you, statistically it probably won't.  There are success stories; there are just more horror stories.  But just like any sort of advertising cost or other sunk cost when selling your house, having a warranty to give to your new buyer will perhaps help you sell the home faster and for more money.   It doesn't mean you believe in the quality of the warranty, but for your buyer, if they never use it; meh.  If the use it and it works; hooray!  If they use it and it doesn't work; oh well, at least it didn't cost them anything. Offering it to your buyer is akin to offering them a free piece of art.  Maybe they like it, maybe they don't, but it was free!


"The conclusion that ""it's bad to have 0% utilization"" from the data you linked is misleading.  When people have zero history, they also have zero utilization.  The fact that generally people with zero utilization are credit virgins is what drives that average score.  Obviously, people with zero, or limited, history will have significantly lower credit scores than folks with some utilization and a lot of history. In response to the couple comments regarding the dip on attaining 0% utilization.  The data shows a 67 point drop in average score from 0% to 1%-10%.  The stark deviation in average score between those two groups is not the result of a couple point change because of zero utilization."


"So ""Operation Twist"" is actually a pretty simple concept. Here's the break down: The Fed sells short-term treasury bonds that it already holds on its books. Short-term treasury bonds refer to - bonds that mature in less than three years. Then: Uses that money to buy long term treasury bonds. Long-term treasury bonds refer to -  bonds that mature in six to 30 years The reason: The fed buys these longer-term treasuries to lower longer-term interest rates and encourage more borrowing and spending. Diving deeper into how it works: So the Fed can easily determine short-term rates by using the Federal funds rate this rate has a direct effect on the following: However this does not play a direct role in influencing the rate of long-term loans (what you might pay on a 30-year fixed mortgage). Instead, long-term rates are determined by investors who buy and sell bonds in the bond market, which changes daily. These bond yields fluctuate depending on the health of the economy and inflation. However, the Fed funds rate does play an indirect role in these rates. So now that we know a little more about what effects what rate, why does lower long-term rates in treasuries influence my 30yr fixed mortgage? Well when you are looking for a loan you are entering a market and competing against other people, by people I mean anyone looking for money (e.g: my grandmother, companies, or the US government). The bank that lends you money has to decide weather the deal you are offering them is better then another deal on the market. If the risk of lending to one person is the same as the risk of lending to another, the bank will make whichever loan yields the higher interest rate. The U.S. government is considered a very safe borrower, so much so that government bonds are considered almost “risk free”, but because of the lower risk the rate of return is lower. So now the bank has to factor in this risk and make its decision weather to lend you money, or the government. So, if the government were to go to the market and buy its own long-term bonds it is adding demand in the market causing the price of the bond to rise in effect lowering the interest rate (when price goes up, yield goes down). So when you go back and ask for a loan it has to re-evaluate and decide ""Is it worth giving this money to Joe McFreeBeer instead and collecting a higher yield?"" (After all, Joe McFreeBeer is a nice guy). Here's an example: Lets say the US has a rating of 10 out of 10 and its bonds pay a 2% yield. Now lets say for each lower mark in rating the bank will lend at a minimum of 1% higher and your rating is 8 of 10. So if you go to market, the lowest rate you can get will be 4%. Now lets say price rises on the US treasury and causes the rate to go down by 1%. In this scenario you will now be able to get a loan for 3% and someone with a rating of 7 of 10 would be able to get that 4% loan. Here's some more info and explinations: Why is the Government Buying Long-Term Bonds? What Is 'Operation Twist'? A Q&A on US Fed Program Federal Reserve for Beginners Federal Open Market Committee"


> they will just leave instead of paying.   Great.   The rich are rich because they own things that leech money from our economies.  We can tax them wherever they are by taxing the mechanisms by which they earn money from us.  Having them all leave would be the best thing, because it would dispel the illusion that helping the rich helps America.   > The rich already pay the vast majority of taxes.  Only if you ignore most of the taxes the rest of us pay.


"No, I think the US should be under a single payer system. Care in the US is is shitty as it is. ""It is hard to ignore that in 2006, the United States was number 1 in terms of health care spending per capita but ranked 39th for infant mortality, 43rd for adult female mortality, 42nd for adult male mortality, and 36th for life expectancy... Comparisons also reveal that the United States is falling farther behind each year"" [New England Journal of Medicine](http://www.nejm.org/doi/full/10.1056/NEJMp0910064). Also another point I didn't mention is that most US 'middle class' families are literally only one sickness away from having to choose between medical bills or mortgage payments. I personally have had friends who had to drop out of college after their dad got sick, and I wouldn't mind paying more taxes if it meant that never happened again, or happened to my children once I start a family."


"He is wrong.  Using Total Return (Reinvesting Dividend), from the peak in December 1999, it only took 6 years to recover.   You can check the data for free here. Make sure you choose ""Gross Index Level"".  ACWI Index is Developed Markets + Emerging Markets.  World Index is Developed Markets only."


Taxes Yes. You haven't indicated why the transfer is being made. If it is without any reason, it would attract a Gift Tax. legal liability It would definitely be investigated to see if Money Laundering or any other illegal activities is happening. If things are in order you have nothing to worry. charges  Normally none. Your Bank can confirm better. friend of mine Are you sure he is a friend and this is not some kind of scam ... it typically starts of with you will get huge money and then calls like its stuck with RBI you need to paysome one to fast track or any such stories to get money out of you.


When you are saving for money you need in 5 years or less the only real option is a savings account. I know the return is nothing at this point, but if you cannot take the risk of losing all of your money that's the only thing I would recommend.  Now you could try a good growth stock mutual fund if, when you look up in 2 - 3 years and you have lost money you wait it out until it grows enough to get what you lost back then buy your house. I would not do the second option because I wouldn't want to be stuck renting while waiting for the account to recover, and actually thinking about it that way you have more risk. 3 years from now if you have lost money and don't yet have enough saved you will have to continue paying rent, and no mutual fund will out preform that.


I think we're talking across each other.  I'm saying the behavior justifies an investigation.  You're saying there's no evidence of collusion.  Fine, we're both right.  I'm glad the special prosecutor is gathering more facts.  One more piece of data....  https://www.google.com/amp/amp.nationalreview.com/article/449376/donald-trump-jr-e-mails-proof-trump-campaign-attempted-collusion-russia  These guys do say that oppo research is not a contribution (which you also stated).  I still don't buy it.


CrimsonX did a great job highlighting the primary pros and cons of HSAs, so I won't go into detail there. However, I did want to point out another pro - HSAs are (or can be) easy to manage. You said: Is this a better way to approach health care costs instead of itemizing health care expenses on yearly federal taxes? I'm not sure which company you are looking at establishing your HSA with, but with mine I have a debit card that I use when paying for medical care and then at the end of the year I get a 1099-SA that provides the amount of money spent on qualified purchases that calendar year. Yes, there are a few extra boxes I need to fill in for my 1040 come tax time, but I don't need to itemize my healthcare costs over the year. It really is pretty simple and straightforward. Also, one con that is worth noting is that you become much more sensitive to healthcare costs due to the high deductible healthcare plan an HSA requires. For example, in all the years we've had an HSA we've not yet met our deductible, which means we pay out of pocket for any non-routine doctor visits. (The health insurer pays 100% of routine visits, like my wife's annual, well-baby check ups for the little one, and so on.) So, when you're feeling really sick and think a doctor's visit would be warranted, you have to make a decision: After being faced with this decision a time or two you will start to envy those who have just a $20 copay! Of course, that's just an emotional con. Each year I run the numbers on how much we spent per year on out of pocket plus premiums and compare it to what it would cost in premiums for an HMO-type plan, and the HSA plan always comes ahead. (In part because we are a pretty healthy family and I work for myself so do not get to enjoy group discount rates.) But I thought it worth mentioning because there are certainly times when I know I need to see a doctor or specialist and I cringe because I know I am going to be slapped with a big bill in the not too distant future!


> What this translates to is that someone there has double booked the venue and as the smaller player, I get dumped.  You mean the other player negotiated for better contract terms?   This isn't a UK problem, it's a problem for any small business. It seems you are trying to do everything yourself instead of hiring a specialist to take care of the little details.


We work because it takes work to maintain this society of not always being on the verge of dying of hunger or thirst or disease.  We don't have to run down animals to kill anymore, we just go down to the grocery store.  There are systems in place and they have to be maintained and improved upon to keep a growing civilization and population count stable.


Join me for a look at the Quote for SPY.  A yield of 1.82%. So over a year's time, your $100K investment will give you $1820 in dividends.  The Top 10 holdings show that Apple is now 3% of the S&P. With a current dividend of 2.3%. Every stock in the S&P has its own different dividend. (Although the zeros are all the same. Not every stock has a dividend.) The aggregate gets you to the 1.82% current dividend. Dividends are accumulated and paid out quarterly, regardless of which months the individual stocks pay.


"Synergy is when a relationship makes its members stronger. ""Relationships"" doesn't cut it. Results and [ROI](http://www.investopedia.com/terms/r/returnoninvestment.asp) are very different. If a subordinate brings an insignificant problem to their manager, ""be realistic"" doesn't have quite the kick that ""deal with it"" does, IMO, but I'll give it to you. I'm not sure what you're getting at with ""Expectations? Goals?"", but managing expectations is conveyed in neither.  Your terms do not suffice, and your lack of understanding leads me to believe that you're either really junior or not in business at all."


I just don't see that many suckers falling for cheap or subprime loans, given their student loans. Yellen raising rates will dampen aggressive bank profits somewhat. Smucks will be smucks, but smarter buyers would appraise their debt load and opt for renting or cheaper houses.  But then again, people don't even learn from recent history. US market is at recovery/pre-euphoria stage now. Canada is soon to pop a year after rates rise courtesy of Yellen. Given the size of the US gen y cohort, it is likely that many in their 30s in 2020 will buy. And will cry when the next bubble pops, as Boomers start selling assets to fund their retirements.


Here you go, as promised - http://www.nytimes.com/2012/10/23/sports/cycling/armstrong-stripped-of-his-7-tour-de-france-titles.html?hp  Of course, we can side with one man who has refused to provide any proof, other than his word. Or we can look at all the evidence provided by his teammates, spouses and others in the retinue.


Ditto Rocky. Also: Break the sale up over several tax years so that you don't have a spike in your income pushing you into a higher tax bracket. Don't sell it until you retire, when you're probably in a lower tax bracket. (If you're 20, this may be impractical.) Get some other deductions, like medical expenses, charity, etc. Failing that, maybe a couple of other ideas that neither of us thought of, I think the real answer is: suck it up and pay the taxes. If there was a way to reduce your taxes just by checking the right box on a tax form or some such, everybody would do it and the government wouldn't collect any taxes.


Whenever an article like this pops up people love to point out the fact people may not have much in savings because savings accounts are effectively stagnant money. However, that many people with <$1,000 certainly means it's because they don't really have any money to begin with, and not that it's invested elsewhere, right?


>Hourly rates aside   Really? The guy who defines success by the $ they make doesn't want to compare hourly rates?  Ok, let's compare standard of living.   My buddy lives in Thailand at the moment. He travels around but has been there about 6 months.  He has a passive income of $55k derived from rental units here in the US, his blog, and online business.  He works about 5 hours a week.   He rents a beach house for $450/month and his expenses are about $20/day to live quite well eating out every meal, working out, etc. That $55k is about 15x the local median wage.   Your $500k in the US is about 10x the average wage in the US and if you live in an expensive city like NYC, DC, or SF then it's much less.  You work 80 hours a week and he works 5 and has a higher relative standard of living.    Who is more succesful?  >I'd rather have the half mill annually  I'm sorry you never learned that we should work to live, not live to work. Its truly sad.


Honestly I would look for a house you can afford and one that is below the maximum amount of what they are willing to lend you.  The reason is owning a house is not a quick loan that you can pay off in a year or two (unless you're rich then I would question why are you even bothering with a loan). This is a long term commitment; can you honestly say your job will provide the money for the mortgage, the upkeep and remodeling of the house (even if it's the perfect house you will want to change something, make the bathroom bigger, put in a pool table etc.. etc..), living expenses and any hiccups life throws at you? Like most of us, that answer will be no. Always have money and supplies for that rainy day, for those lean days. For that mortgage payment. And if nothing happens you can always use the money to pay the mortgage off faster or take a vacation.


As you point out in your question your risk level is personal.  If you really believe your job is stable there is no more risk.  However the overall evidence is that most jobs are less stable, and if you do lose your job you're likely going to be out of work for a while.  One thing to consider though is that if you have planned on emergency credit in the past, that option is not really viable anymore.


I agree with the previous comments one thing that got brought up a while back when I was looking into purchasing a Prius was the battery replacement, someone once told me it was very expensive in the event it failed and needed to be changed, I'm not talking about the 12 volt but the big nickel metal hydride one. Another thing to factor is the gas that you will save, normally the Prius get double the gas milage of that of civic or a corolla but unless you drive a bunch of miles per day you really don't see the pay off.  Also if you can pull a CarFax on the car, the 20 dollar investment is worth it because you can find out if it was in an accident or if it's a lemon! I once bought a bmw and didn't do a CarFax and later ended up finding out that the car had more owners than a taxi had customers.  Also just like said above 200k car vs 100k doest always mean the 100k is better off, especially if the previous owner never services it well. Get the car checkout before you make the deal to buy.


"FWIW, I've got a printed Amazon.ca invoice that was included in a shipment of books that I received in July, 2013. In the right-side side panel, at the bottom and in fine print, it reads:  Amazon.com.ca, Inc.   410 Terry Avenue   North Seattle, WA 98109-5210   GST Registration Number/No enregistrement TPS 85730 5932 RT0001   [etc.] If I view the same order online at Amazon.ca, the on-screen version does not have that detail.  Interestingly, at the bottom of the online invoice page it says: ""Please note: This is not a VAT invoice."" That probably should've said ""GST/HST"", for Canada, and not ""VAT"", which is presumably for the United Kingdom.  So, it would appear that Amazon may only print their GST/HST details on the shipped invoice printout. Which made me wonder: Did you purchase something that was fulfilled electronically, i.e. no physical shipment to you? e.g. a Kindle book, an app, or a service like Cloud Drive? If no physical invoice shipped means one doesn't get the required GST details, then there's still a Canadian tax requirement Amazon isn't fulfilling on such invoices, though not as broad an issue as you suspected. On the other hand, if you did get a physical invoice [and your comment confirmed you did], then what you were seeking was most likely printed on that version, just as mine was. At the moment, I'm not sure why Amazon wouldn't also include the GST number on electronic versions of invoices (whether received by email, or viewed on the web site) but if I find out more, I'll update my answer later."


"Far better than doing nothing and just ""job searching"".  Most (good) companies understand how rigorous the CFA program is, so it shows that you are doing what you can to progress on a financial career path.  It isn't the same has having relevant employment, but shows you are serious about the field.  Only downside is the initial cost of membership and registration (around $1000), which many companies will pay for if you work there.  Mine paid for registration, all the exams, study materials, etc..."


Selling options is a great idea, but tweak it a bit and sell credit spreads on both sides of the market, i.e. sell OTM bear call spreads and OTM bull put spreads. This is also known as an iron condor, and limits risk, and allows for much more flexibility.


Beyond the numbers, how do you objectively establish causation between Amazon and a lost job?  That, to me, is what is practically impossible.  Ma and Pa might blame Amazon but that's hardly dependable information.  What if Ma and Pa's business model was unsustainable or simply mismanaged?  Now, with Walmart, you can establish a stronger connection because you'll see those effects tightly correlated with a local store opening.  Doing that with an online business is considerably harder.  You'd need to know who the customers were and how they substituted Ma and Pa's goods and then correlate that with a drop in sales, for example.


"Again:  > Go ahead and show me one article or picture of ""Palestinians"" dying of thirst or untreated diseases.  Please!!!!!!  > Back to ""Palestine"", a short real true and verifiable historical summary: There was never ever a country or nation of ""Palestine"". The only reason we hear about ""Palestine"" and ""Palestinians"" today is because in 1967 Israel liberated the local Arabs from a 1948 occupation(!!!!!) by Egypt and Jordan of land given to them by the UN, for which Israel agreed to. If the 1967 events never happened, you would not hear today about ""Palestine"" and ""Palestinians"". True or false?  > So, Israel never wanted to be a ""Greater Israel"" to rule over millions of additional Arabs as part of its democracy or ""occupation"" - more Arabs than Jews!!!! Israel is not that dumb. True or false?  > The blockade is actually by Egypt and Israel. Check the map! Egypt has a lllllooooonnngggg border with Gaza. True or false?  > The local Arabs can have a ""Palestine"" for themselves already in 1948 (if they agreed to the UN partition plan) or 1967 after they were liberated by Israel. Israel has only one condition, in 1948 and in 1967, for a ""Palestine"": that ""Palestine"" needs to be a nice neighbor to Israel. They don't want to be nice, so no ""Palestine"" until they grow up. True or false?"


You sound ahead of the game. I personally regret locking myself in rooms in post-hs depression with the Internet and books.  Honestly, I have regrets from that time a few years ago. Recognize and cherish your freedom. I know this sounds cliché as hell but at this unique stage it's priceless and fleeting. Hang with friends, drink, chase girls, have adventures with friends as much as possible before you go separate ways permanently.   In your free time, lift weights to have even more fun in college.   It sounds like you're hustling. In a few months life is gonna hold a proverbial gun to your head and say you can't NOT hustle for years and years and years. It doesn't have to be like that but it is for most ambitious people. Especially in finance.   Assuming you're not about that or have your bases covered, any coding is great. Check out R. CSS, HTML if you wanna know web design. Read Wall Street Oasis instead of this sub.   Excuse the rantyness of that


"Your broker, Ameritrade, offers a variety of Exchange Traded Funds (ETFs) that you can buy and sell with zero commission.  An ETF is like a mutual fund, but you buy and sell shares the same way you buy and sell shares of stocks.  From your point of view, the relevance of this is that you can buy and sell as many or as few shares as you like, even down to a single share.  Note that to get the commission-free trades on the available ETFs you have to sign up for it in your account profile.  Be sure to do that before you enter any buy orders. You'll want to start by looking at the Ameritrade's list of commission-free ETFs.  Notice that they are divided into different categories:  stocks, bonds, international, and commodities.  Which categories you pick from will depend on your personal investing goals, time horizon, risk tolerance, and so on.  There are lots of questions and answers on this site that talk about asset allocation.  You should read them, as it is the most important decision you will make with your portfolio. The other thing you want to be aware of is the expense ratio for each fund.  These expenses reduce the fund's return (they are included in the calculation of the net asset value of the shares), so lower is definitely better.  Personally, I wouldn't even consider paying more than about 0.10% (commonly read ""10 basis points"" or ""10 bp"") for a broad-based domestic stock fund.  For a sectoral fund you might put up with as much as 20 bp in expenses.  Bond funds tend to be a little more expensive, so maybe allow as much as 25 bp, and likewise for international funds.  I've never invested in commodity funds, so I'll let someone else opine on appropriate expense ratios for those. Once you've decided what funds you want (and have signed up for commission-free trades), all you have to do is enter the trade orders.  The website where you manage your account has tutorials on how to do that.  After that you should be all set. Good luck with your investing!"


Best holiday packages in Qatar are available for you with gomosafer, the online travel division of Mosafer. Qatar is a popular mid-east destination and has become quite popular holidaying destination from the past two decades. It has historic forts, impressive seascapes, luxury hotels, and sandunes and so on.


Oh so it's ok for MSM to have a play where Donald Trump is murdered. But if I say something to get a reaction out of you the conversation is over?   How is that ok to have a play where the acting president is killed?   Freedom of speech is ok until you break the law. To threaten or imply death of the president of the United States is a crime. Donald trump did not write the law. In fact Trump wasn't even alive when that law was written.   China Russia United States. They need to eliminate the religious problem we have.


The property buys understanding and advising the property proprietor of the date of the culmination of the development venture, flat, estate, house and office. We provide the best service of Real estate purchase and sale contracts. We typically prescribe that customers hold all property for the sake of a Panamanian partnership for resource security and pay to assess reasons. t ought to be noticed that Panamanian common law puts the weight of duty on the dealer to react to the purchaser for lawful and tranquil ownership.


You need to pay off the entire balance of 7450 as soon as possible. This should be your primary financial goal at this point above anything else. A basic structure that you can follow is this: Is the £1500 balance with the 39.9% interest rate the obvious starting point here? Yes, that is fine. But all the cards and overdraft debts need to be treated with the same urgency! What are the prospects for improving my credit score in say the next 6-12 months enough to get a 0% balance transfer or loan for consolidation? This should not be a primary concern of yours if you want to move on with your financial life. Debt consolidation will not help you achieve the goals you have described (home ownership, financial stability). If you follow the advice here, by the time you get to the point of being eligible, you may not see enough savings in interest to make it worth the hassle. Focus on the hard stuff and pay off the balances. Is that realistic, or am I looking at a longer term struggle? You are looking at a significant struggle. If it was easy you would not be asking this question! The length of time will be determined by your choices: how aggressively you will cut your lifestyle, take on extra jobs, and place additional payments on your debt.  By being that extreme, you will actually start to see progress, which will be encouraging. If you go in half-committed, your progress will show as much and it will be demotivating. Much of your success will hinge on your mental and emotional toughness to push through the hard work of delaying pleasure and paying off these balances. That is just my personal experience, so you can take it or leave it. :) The credit score will take care of itself if you follow this method, so don't worry about it. Good Luck!


">What changes when you have kids is your lifestyle and how you spend your money. Bar tab = diapers, weekend getaways = 1 big disney vaction, convertible = minivan, etc.   Ah, but singles don't NEED the ""Disney"" vacation (indeed many AVOID such things on purpose) -- they can go backpacking in the mountains, or vacation on the beach in Greece for significantly less (if they are even so inclined).  Likewise, the convertible, unlike the minivan, is an ""optional luxury"" -- and ironically enough, one that holds its value on resale far better than the minivan.   >There is an opportunity cost, but according to these folks they seem to be assuming you are spending money you are normally saving on kids, when in truth you would have more than likely spent it on yourself.  Exactly. Or you would never be sufficiently motivated to earn it in the first place.  I have seen several ""studies"" about how married w/children people tend to earn MORE over their lifetime than unmarried/childless people do.  Now certainly ONE reason for that can be (and from anecdotal management experience I *know* it exists) a form of discrimination (where married w/children managers overpay/out-promote ""similar"" people out of sympathy, and where they underpay singles/childless on the basis of ""well, they don't NEED as much"").  But I also think there is a factor of ""content"" versus drive/motivation/need -- married w/children do in fact NEED/WANT to earn more (because they have higher inherent costs), and are therefore generally more ""motivated"" about gaining additional pay (in order to live a lifestyle that is at a similar level to single/childless people)."


headcounts... I racked 12k in overtime compensation last year, asking the superiour why we wouldn't simply hire someone, seeing that the whole team worked under the same conditions, the answer was, headcount wouldn't get approved, while he was able to get the overtime compensation approved due to sourcing the funds from a different budget, getting a new perm proves difficult - especially if you function in a matrix. it's corporate politics that requires a fight, that only few superiours will risk, if it's not them haging over the edge as a result & a damn shame, if you ask me, seeing that there are so many young well educated people not having any work at all. if you think the extra bucks is nice: working years on overtime bears cost, that's not worth the money - on the other hand, you also have people that have to work overtime without having the choice of compensation.


Not the only one, no.  Definitely a good one, though. That would send huge reverberations throughout that space and you'd see other companies racing to upgrade their security. That would have a significant net benefit for the US consumer.  However, I don't think that Equifax should go out business unless it can be shown that people suffered or will suffer enough damage for that to be reasonable. We don't know who has those numbers, do we? That's part of the case. If they're already being used against the customer base (and that base is ~1/2 of the US), then going out of business actually seems like the appropriate scale of punishment, as it's effectively the death penalty (or at least a life sentence).


I think these systems of wealth re-allocation is where the heart of the debate about the American economy is or should be. Should we have our government intervene and re-allocate wealth in some way? It already does to some degree, although arguably in a bad way. It's much easier to avoid taxes when you can pay for the sort of expert good at avoiding that sort of thing. Middle/Poor class individuals end up paying more taxes relative to their income further exacerbating wealth inequality. I think it was Bill Gates and probably many others that have mentioned that one of the best ways to get money to underutilized market participants is by investing in businesses who then employ people.  I think the concern with the American economy and everything else dependent to it is that the mechanisms/pipelines for enabling the poorly utilized are outgunned by the mechanisms/pipelines for taking the money from the poor/middle class and putting it in the hands of the rich. Loan-based financial products are the biggest offenders I think. If only hypothetically I would like to see what an economy would look like if loans were simply not an option, or if the idea of merit qualifying a person for a loan/financing were significantly more accurate.


You are the one lending yourself the shares to sell;you purchase the stock at market price and sell at the strike price of the option to the put seller when you exercise the option.


"First, point: The CRA wants you to start a business with a ""Reasonable expectation of profit"". They typically expect to see a profit within 5 years, so you may be inviting unwanted questions from future auditors by using a breakeven strategy. Second point: If the goal is to pay as little tax as possible, you may want to consider having the corporation pay you as little as possible. Corporate income taxes are much lower than personal income taxes, according to these two CRA links: How it works is that your company pays you little as an outright salary and offers you perks like a leased company car, expense account for lunch and entertainment, a mobile phone, computer, etc. The company owns all of this stuff and lets you use it as part of the job. The company pays for all this stuff with corporate pre-tax dollars as opposed to you paying for it with personal after-tax dollars. There are specifics on meals & entertainment which modify this slightly (you can claim 50%) but you get the idea. The actual rate difference will depend on your province of residence and your corporate income level.  There is also a requirement for ""Reasonable Expenses"", such that the expenses have to be in line with what you are doing. If you need to travel to a conference each year, that would be a reasonable expense. Adding your family and making it a vacation for everyone would not. You can claim such expenses as a sole proprietor or a corporation. The sole-proprietorship option puts any after-expense profits into your pocket as taxable income, where the corporate structure allows the corporation to hold funds and limit the amount paid out to you.  I've seen this strategy successfully done first-hand, but have not done it myself. I am not a lawyer or accountant, consult these professionals about this tax strategy before taking any action."


As you can see by his username this guy works in IT.  I will explain for those who aren’t in the industry.  In IT demand for employees has never been higher.  It is crazy right now. This means it is hard to get talent, particularly good talent which can be many times more productive than bad ones.  Now Amazon is a tech company fundamentally.  What many may not realize is Amazon is also the world’s largest hosting platform too.  For example, Reddit and Netflix are on their systems.  So they aren’t just a store, they do a lot of everyone else's tech too.  This means they need a shit-tonne of good tech and related people.  So the location will likely hinge on where the can find good staff.  However, as OP just said Amazon has a terrible reputation in the industry.  So this makes this even more difficult as everyone hates them and no one will move for them, and they need a lot of good people which are in high demand elsewhere.  This is what their decision will rest on.  Tax breaks and all are perks, but they need to find 50,000 experienced employees to fill this thing, everything else is secondary.


Fair enough and I appreciate the advice. But I think in some cases we have a duty to point out contradictory statements, especially if they could be misleading to the average person. I don't want some poor kid who scraped together a few bucks, sees the big revenue numbers and assumes it's a sure thing.


Do not mix personal accounts and corporate accounts. If you're paid as your self person - this money belongs to you, not the corporation. You can contribute it to the corporation, but it is another tax event and you should understand fully the consequences. Talk to a tax adviser (EA/CPA licensed in your State). If they pay to you personally (1099) - it goes on your Schedule C, and you pay SE taxes on it. If they pay to your corporation, the corporation will pay it to you as salary, and will pay payroll taxes on it. Generally, payroll through corporation will be slightly more expensive than regular schedule C. If you have employees/subcontractors, though, you may earn money which is not from your own performance, in which case S-Corp may be an advantage.


Have you considered investing in real estate? Property is cheap now and you have enough money for several properties. The income from tenants could be very helpful. If you find it's not for you, you can also sell your property and recover your initial investment, assuming house prices go up in the next few years.


OP might. I have worked for a conservative organization before, and while I didn't make friends, I did behave in a professional fashion and maintained all my interactions with them within strict professional boundaries.  True, that doesn't get you invited to any after hour beers, but there was the experience I gained in the work I was performing.


I have a colleague who always leases cars first.  He's very well off, has piles of money in savings, owns a home, and the cherry on top, he could just write a check for the car....   He sees the lease as an insurance policy on the first couple of years of the car's life.  If it gets in an accident or he finds something about it he doesn't like, he can give it back to the dealer at the end of the term with no hassle and move on to the next car.  Some people value the fact that a lease is a rental.   If you're leasing a luxury car or something you couldn't otherwise afford, no amount of mental gymnastics will turn this in to a good idea.   Separately, you should never make a down payment on a lease.  If the car is totaled early on, you will not recoupe the money you put down.  The issue here is that while the numbers all work out the same between a lease and a purchase your situation is different.  If the leased car is totaled, the bank gets its money back from an insurer.  If that payment doesn't cover the value of the car, the GAP insurance will cover it.  In either situation, if there's an excess remaining it will be returned to you.  The issue is the excess may not fully replace your down payment.  If you then went to lease another car you would need to come up with that down payment again because you couldn't just simply choose to lease a used car; like you could in the case of a purchase.  Additionally, GAP is generally included in a lease whether you want it or not.  As far as I'm concerned it doesn't make financial sense to mitigate the value of the GAP coverage once you've decided to live in a lease situation.


The US has had higher tax rates and has always had loopholes for the very wealthy to escape those taxes.   It is this simple. The productive investment of capital puts that capital at risk. Given the economic situation in the world, the risk of loss is high. If the risk is high and the taxes on profit are also high, investors will look for low risk investments. Low risk investments are not those that create jobs and grow the economy.


The numbers you provided would just barely make it (depending on taxes where you are), and I'd say there's lots of room to cut expenses back if need be. The big assumption is that your fiancé will have a steady income of over $3k/mo take-home. My advice would be to keep your job until you see that as a reality.  That said, getting an education is, imho, the single most important thing you can do. In the long run, it's worth eating ramen noodles and rice and beans for a couple years. It's even worth going into debt. (It took me nearly 10 years to pay off my student loans. No regrets here.) While working your way through school is noble and it's great if you can do it, being able to focus on your studies is what will make it worthwhile.  It sounds to me like you're on the right track.


You think that you could get Malcolm Gladwell to stop writing?  If you took away all of his money, and told him that he would never get paid residuals ever again, do you think he would just stop?  First of all, he would make it all back with personal appearances and book signings.  Second, no real artists do it for the money.  They get their rush from being influential, and helping people understand the world a bit better.  The money helps pay the bills, yes, but monetary incentives have actually been shown to damage creativity.  http://www.youtube.com/watch?v=rrkrvAUbU9Y  Commercialization of art is a perversion.


Whether or not it's reasonable is a matter of opinion, but there are certainly cheaper options out there. It does seem strange to me that your credit union charges a percentage of your assets rather than a flat fee since they shouldn't have to do any more work based on how much money you have invested. I would look into rolling over your IRA to Vanguard or Fidelity. Neither charge administrative fees, and they offer no-load and no-transaction fee funds with low expenses. If you went with Fidelity directly, you'd be bypassing the middle man (your credit union) and their additional administrative fees. Vanguard tends to offer even cheaper funds.


You're not missing anything. Consumer protection in the US is very basic and limited, if at all. So if someone claims you owe them something, it would be really hard for you to prove otherwise unless you actually drag them to court. Especially if there actually was a relationship, and there probably is some paperwork to substantiate the claim. I suggest talking to a consumer issues attorney.


Honing in on your last question: Is there a better way?  I think there is, but it would require you to change the way you handle your spending, and that may not be of interest to you.  Right now you have a lot of manual work, keeping track of expenditures and then entering the, every day. The great thing about switching to a habit where you pay for everything using a debit or credit card is that you can skip the manual entry by importing your transactions from your bank. You mention that your bank doesn't allow for exporting. There's still a chance that your bank can connect with a solution like Wave Accounting (http://www.waveaccouting.com), which is free and made for small business accounting. (Full disclosure: I represent Wave.) If your current bank doesn't permit export or connections with Wave, it may be worth switching to a different bank. It's a bit of a pain to make the switch, I know, but you really will save a massive amount of time and effort over the course of the year, as well as minimize the risk of human error, compared to entering your receipts on a daily basis. In Wave, you can still enter all of your cash receipts manually if you want to continue with your current practice of cash payments. One important thing to mention, too: If you're looking for a better way of doing things, make sure it includes proper backup. There would be nothing worse than entering all that data onto a spreadsheet and then something happening to your computer and you lose it all.  Wave Accounting is backed up hourly and uses bank-level security to keep your information safe. One last thing: as I mention above, Wave Accounting is free.  So if it is a good match for your small business accounting needs, it will also be a nice fit for your wallet.


Having 401k or HSA is not income and doesn't trigger filing requirements. Withdrawing from 401k or HSA does. Also, in some States, HSA gains are taxed as investment income, so if you have gains in an HSA and you're a resident of such a State - you'll need to file a State tax return and pay taxes on the gains.


Good health is only partly luck. Eating right, exercise, moderate drinking, getting vaccines, and not smoking are all choices that make a huge impact. Sure there are just people with bad genes but for the average person those choices make a bigger difference.


"Pete B mentioned adjusting your payments using the Debt Snowball Method and I agree it is one possible solution, another being the Debt Avalanche Method. Here is a link that describes both.  There was a time in my past when I had 17 credit lines open totaling about $12,000. If I had paid them the way the banks asked (minimum monthly payments) it would have taken decades to pay off. Then I was shown these two techniques and as a result I was able pay them down rapidly and close all but 2 lines within 5 years. Like others I am going to say that if you already own your house free and clear never Never NEVER put a loan on it unless the loan is (a) to improve the house, or (b) a life & death emergency. If you get sick or fired and miss even a single payment on a HELOC you could lose your house forever and that just plain sucks. Not only will you then be forced into renting a place (money down the drain) but your credit rating will take such a huge hit it will be years (if ever) before you can even try and buy a new home.  Debts come and go, as do the ""toys"" and other things we buy with that debt. Homes are security & stability for tomorrow. Never give that up for a little ease & comfort today. UPDATE: I had to go looking for it but here is some software that I used all those years ago to figure out my strategy for paying down all my credit bills. It's a bit clunky but it's super easy to use plus it has some other variations on snowball and avalanche methods as well. I definitely found it helpful."


"actually, the labor theory of value is based on the ""socially necessary labor time"", a sort of societal average of the amount of labor necessary to produce something (including the labor already included in raw materials, etc.)  So if someone produces some commodity more or less quickly than their competitors, the goods still have the same value, (unless/until that average changes,) and that producer's costs will simply be above or below the average, leading to increased/decreased profits compared to their competitors.  So your criticism is not only rather uninformed, its actually pretty central to how Marxists explain the drive for increased production efficiency (through capital investment, new management techniques, etc.)"


Get really good at Excel.  Make it a goal to have it become a specialty of yours.  Practice the basics, learn to create models, read books on it, watch videos etc.  As far as publications, just try and get to the usual suspects on a daily basis.  WSJ, Economist, CNN Money, Yahoo Finance, Seeking Alpha, etc.


"Well, the real problem here is that when the government (or really any entity) controls education (especially on a widespread but centralized basis) it means that everyone is trained to think alike.  And as the saying goes: when everyone is thinking the same thing... no one is really thinking at all.  Education is inherently a system of indoctrination (doctrine = ""teaching"") -- that's really NOT a radical statement, nor is it some ""conspiracy theory"" -- it's really just tautological, saying the same thing in two different forms (though obviously one seems more ominous than the other).  For example when people talk about the need for kids to be ""properly socialized"" via attending public schools -- what they are really saying (whether they realize it or not) -- is that they believe ALL children should be ""molded"" into accepting & regurgitating the *currently dominant* socio-political dogma.  Far from creating critical thinkers, or from promoting ""diversity"", it really achieves the opposite, facilitating a mindless conformity (which ironically *might* even include a ""rebellious"" conformity, though it remains a conformity nonetheless) -- what is lost is truly innovative independent minds. *(And the proof of this will be demonstrated by the ""herd/hivemind"" that will downvote this post.)*"


They're not going to do anything about it. Washington needs the debt wheel to keep spinning, or the Dollar will lose its position as the Reserve Currency. Then all hell would break loose. Powerful countries like Japan are going to have to take the initiative. And apparently they are starting to. It has to be countries like Japan because if a weak country tries this, they'll get invaded.


This is what happens when reform is done through the agencies rather than legislation, it can change with a new president.   Obama's legacy is going to be that almost everything he did was reverted in Trump's first year of office.  Really the only thing that might last is Obama care and they are pushing hard to get rid of it.


If you are trading CFDs, which are usually traded on margin, you will usually be charged an overnight financing fee for long positions held overnight and you will receive an overnight financing credit for short positions held overnight. Most CFD brokers will have their overnight financing rates set at + or - 2.5% or 3% from the country's official interest rates. So if your country's official interest rate is 5% and your broker uses + or - 2.5%, you will get a 2.5% credit for any short positions held overnight and pay 7.5% fee for any long positions held overnight. In Australia the official interest rate is 2.5%, so I get 0% for short positions and pay 5% for long positions held overnight. If you are looking to hold positions open long term (especially long positions) you might think twice before using CFDs to trade as you may end up paying quite a bit in interest over a long period of time. These financing fees are charged because you are borrowing the funds to open your positions, If you buy shares directly you would not be charged such overnight financing fees.


Incorporating your business  The LLC can be formed within just 24 hrs from the time of submitting of the form. It mainly includes all the business presence packages which is very much important for doing Incorporating your business so that the business can able to setup and startup very easily and quickly. It also help in protecting the assests and other liabilities that are the part of the Delaware llc.


Someone else might be able to provide more details - but generally yes, of course.  International corporations can pursue debt collection across borders - whether or not they do is a matter of convenience rather than law.  My understanding is that a company's ability to report on your credit report is dependent on their membership in Equifax, USA etc. - so while most of your credit is country by country, international companies or companies with any relationship in other countries can follow you cross-border if they find out your new address and report the debt w/ that address.  Since virtually every major company has some American affiliate, I wouldn't hold my breath that you can escape it indefinitely ESPECIALLY since you don't already have the debt, and have the power to actually pay for the service that you're using.  Also - this is an incredibly scummy thing to do, and no matter how you dress it up as a financial decision it's just theft. Would you leave the country without paying your landlord? Without paying for groceries or other physical goods? Why is stealing from a telecom company any different?


You need to know that the loan will cost you additional money every month. You need to know how you are going to pay that overhead in addition to what you're already paying. The best answer is to reduce your spending to build up a reserve you feel comfortable with, and then NOT spend that reserve except in emergencies. If you need a short-term answer, I'd suggest borrowing from relatives. Failing that, I'd suggest talking to a bank about establishing a line of credit but NOT drawing upon it until and unless you have Absolutely No Other Choice. That gives you a preapproved option when you need it at (usually) a much, much better rate than credit cards... without costing you anything until and unless you actually do need the money, and (if you don't have it set up to kick in automatically on overdrafts) without making it so easy to get to that you're tempted to use it before you must.


solidcopy, my point was that during the 4 transitions listed above, people had the same fears as you do today. What would all the horse workers do? What would the whaling industry do? That would the secretarial industry do? What would the switch board operating industry do? Society as a whole has benefitted.    1. With cars, you can now travel faster and longer than a horse and its much cleaner.   2. With incandescent light bulbs, you now have better lighting and you don't have to kill whales for it.   3. With computers, you have the ability to communicate with people from all over the world and our productivity, entertainment, and lives are better than ever.   4. With automatic telephone switch boxes, long distance calls now cost nothing when we used to be charged upwards of 10 dollars a minute.    All those people eventually found other jobs. There isn't a society of unemployed horse people, whaling people, secretaries, or switch box operators. They were all able to transition.


I think the answers you're going to receive are all going to be a bit subjective. Looking at it from a high-level point of view, having this budget nailed down lets you analyze: Now you've got your budget, stick to it! This is really the most important part. You've done your homework, now make sure you don't exceed it without a good reason. If you're under budget in any given month, have a plan on what to do with the excess funds. If you go over budget on a certain area, you can react accordingly.  I, personally, recommend hiring a financial planner. Ours has been a huge help with looking further down the line than we had been originally. If you show up to your first meeting with an FP and have this budgetary breakdown ready to go, you'll probably get a high-five. Well done, you!


If you put it in a normal account it is (1) taxed as ordinary income now and then (2) any growth is taxed again at the capital gains rate.  Additionally, (3) any dividends will be taxed each year.  If you put it in a 401(k), you will only be taxed once, at the ordinary income rate.   Mathematically, if you start with X and have a regular tax rate of t and capital gains rate of g and your investments return r and there are n years to retirement, then your total wealth if you put it in a mutual fund (ignoring annual taxes on dividends) will be While if you used a 401(k) it would simply be The whole g term (along with any annual taxes on dividends) is gone in the second case and that's potentially a lot of taxes.  The 401(k) is much better in terms of total wealth unless tax rates dramatically rise between now and when you retire so that the t in the second case is much higher than in the first. This is virtually never the case for people retiring now.  Of course, what tax rates the future holds, we do not know.


"Yes, almost always. I trade some of the most illiquid single stock options, and I would be absolutely murdered if I didn't try to work orders between the bid/ask.  When I say illiquid, I mean almost non-existent: ~50 monthly contracts on ALL contracts for a given underlying.  Spreads of 30% or more. The only time you shouldn't try to work an order, in my opinion, is when you think you need to trade immediately (rare), if implied volatility (IV) has moved to such a degree that the market makers (MM) won't hit your order while they're offering fair IV (they'll sometimes come down to meet you at their ""real"" price to get the exchange's liquidity rebate), or if the bid/ask spread is a penny. For illiquid single stock options, you need to be extremely mindful of implied and statistical volatility.  You can't just try to always put your order in the middle.  The MMs will play with the middle to get you to buy at higher IVs and sell at lower. The only way you can hope that an order working below the bid / above the ask will get filled is if a big player overwhelms the MMs' (who are lined up on the bid and ask) current orders and hits yours with one large order.  I've never seen this happen. The only other way is like you said: if the market moves against you, the orders in front of yours disappear, and someone hits your order, but I think that defeats the intent of your question."


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Yes and very very few people get accepted to those prop shops. I work at one of the ones you listed and this year we didn't even bother looking at applicants with under 3 years of trading.    And even with bonus, this year many people are not hitting 100k for first years. Before it was true, but not that much anymore.


Source:  20 years self-employed, 35 employees.  A good lawyer is CHEAP.  They will write the appropriate letters, which don't cost much, but they have teeth behind them if the client still refuses to pay.  People snap to attention when a lawyer gets involved.  Stay away from collection agencies.  Dealing with the lawyer is quick, cheap, and efficient.


Bitcoin prices are likely rising as a result of the simple issue of supply and demand.  Supply is constrained as there aren't much in the way of new bitcoins coming into existence, and demand is high right now as a result of various events. For example, this Reuters article goes into some detail as to some current influences.  Mostly, crypto-hedge funds are buying a lot of bitcoins as a speculative move (i.e., believing the price will continue to rise).   The evidence suggests that few of the users are buying bitcoin to use it as a means of exchange, but are speculating to increase their capital. Many describe the bubble as similar to the Tulip craze in seventeenth century Holland; from the same Reuters article: “It’s got all the shapings of your tulip bubble chart (but) that tells you nothing about where that price line could go depending on the number of people who wish to own it,” Standard Life’s head of investment strategy, Andrew Milligan, said on Wednesday. “Who is to say it doesn’t reach $100,000?” You can see in the volume chart from blockchain.info that the trading volume for bitcoins has really increased - and if you look at the market price, you see a very similar movement. However, if you look at the number of transactions per day, that number is basically constant - meaning the actual uses of bitcoins by people just buying or selling goods or services isn't really changing much, but the dollar amount is.  That's indicative of a speculation-caused bubble. Below is a graph I made from the data from blockchain.info above that overlays price with trading volume; you can see clearly the increase in volume and increase in price are nearly simultaneous.  Bitcoin itself has some actual utility, mostly for black market sellers and similar people participating in activities that are less than legal (not necesesarily ethically bad, for example people in nations with oppressive regimes that limit contact with the outside world or try to restrict foreign currency purchases).  It's unlikely that the degree of adoption so far however has driven it to this level, and the fact that bitcoin can be broken up into very small chunks means that the big boom in price of individual bitcoins causes the demand-side pressure from the actual use of bitcoins to be alleviated (as there is now 1/10th the demand for bitcoins from people who use them for non-speculative reasons).


Check with you local bank where you have an account. Sometimes they can offer a discount that results in a good rate.  I just refinanced a month ago with Bank Of America and their rates were very competitive.  What set them aside from the rest was their low closing fees. Otherwise I would shop around on bankrate.com and it will show you results of both local and online mortgage brokers.  It will list the rates and expected fees.  The also list an average national rate so you can compare the rate you are considering and see if there could be a better deal elsewhere.


If its JavaScript-based you can check the source code to see if any messages are being sent, again this doesn't mean the code's malicious.  if there's any type of form submission you can't tell.  You could always implement it yourself, SHA1 is publicly accessible although not the easiest algorithm to build.


"You need to have 3 things if you are considering short-term trading (which I absolutely do not recommend): The ability to completely disconnect your emotions from your gains and losses (yes, even your gains but especially your losses). The winning/losing on a daily basis will cause you to start taking unnecessary risk in order to win again. If you can't disconnect your emotions, then this isn't the game for you.  The lowest possible trading costs to enter and exit a position. People will talk about 1% trading costs; that rule-of-thumb doesn't apply anymore. Personally, my trading costs are a total 13.9 basis points to enter and exit a $10,000 position and I think it's still too high (that's just a hair above one-eighth of 1% for you non-traders).  The ability to ""gut-check"" and exit a losing position FAST. Don't hesitate and don't hope for it to go up. GTFO. If you are serious about short-term trading then you must close all positions on a daily basis.  Don't do margin in today's market as many valuations are high and some industries are not trending as they have in the past. The leverage will kill you. It's not a question of ""if"", it's a when.  You're new. Don't trade anything larger than a $5,000 position, no matter what. Don't hold more than 10% of your portfolio in the same industry. Don't be afraid to sit on 50% cash or more for months at a time. Use money market funds to park cash because they are T+1 settlement and most firms will let you trade the stock without cash as long as you effect the money market trade on the same day since stock settlement is T+3."


I place 90% of the blame on Carly, and then the board: that bitch was primed by her contract to gut and fillet the company.  When a board links a CEOs remuneration to annual profit, it makes unscrupulous individuals do things which have clear and obvious negative long term impacts, but which will hike the annual profit for THIS year and another YEAR or so, but then turn badly negative.  Because Carly is a little bitch, and wanted to extract as much money as was humanly possible from her position at HP, she embarked on the most disastrous set of actions possible.  The direct result is what we see now.  CEO compensation should NEVER be linked to profitability for an individual year, but to their performance throughout their tenure, and then beyond.  It's my belief a CEO should take a base salary of no more than 50 times the MEAN worker's salary is. NOT the average. Because that simply encourages the board to enrich the management team, rather than the workers.  If the company is profitable for a single year, CEOs should receive a large bonus - say no more than 20 times the MEAN salary at the company.  AND 3 years AFTER the CEO leaves, he'd be entitled to another round of payments base on long term performance of the company. This means CEOs have a duty and a very large responsibility to ensure that their replacement is actually a better CEO than they are!  When board members leave, there's no incentive to them personally, to ensure their replacement is even capable, let alone excellent.  The other issue I have with CEOs is their stock options, or stock grants. I believe all companies should have strict rules about stock ownership by the board. They must own a certain number of shares, and those shares must be purchased before they join the board, and demonstrably NOT by any mechanism which the company pays for.  Directors and officers with no personal investment interest in the performance of the company are a concern.


"got asked a similar question to this... ""how many tennis balls can fit in an suv?"".  I found these tough, as its hard to calculate the area of spheres on scratch paper (4/3pi r^3). Got any tips?"


Unless you are getting better than a 2.95% return on that money market account. Pay cash. That's the purely logical way to make the decision. However if it were me I'd pay cash anyway just because I like the idea of not owing money and having the hassle of dealing with a payment every month.


Well for a start funds don't pay interest.  If you pick an income-paying fund (as opposed to one that automatically reinvests any income for you) you will receive periodic income based on the dividends paid by the underlying stocks, but it won't be the steady predictable interest payment you might get from a savings account or fixed-rate security. This income is not guaranteed and will vary based on the performance of the companies making up the fund. It's also quite likely that the income by itself won't cover the interest on your mortgage.  The gains from stock market investment come from a mixture of dividends and capital growth (i.e. the increase in the price of the shares).  So you may have to sell units now and again or cover part of the interest payments from other income. You're basically betting that the after-tax returns from the fund will be greater than the mortgage interest rate you're paying.   3 facts: If you're comfortable with these 3 facts, go for it. If they're going to keep you awake at night, you might not want to take the risk.


Large volume just means a lot of market participants believe they know where the stock price will be (after some amount of time).  The fact that the price is not moving just means that about 50% of those really confident traders think the stock will be moving up, and about 50% of those really confident traders think the stock will be moving down.


>Perhaps you are confusing Costco with Sam's club?  Nope.   And I have no need to correct this problem. Means nothing to me. And I'm not really the type to stick my nose into other people's business. If they need to know, they can ask. In either case, I'm still a loyal customer.   Additionally, it's very hard to find good help where I live. Too many jobs, not enough people. I know how much some of these business struggle to find and keep people.


A credit card can be a long running line of credit that will help to boost your FICO score.  However if you have student loans, a mortgage, or car payments those will work just as well. If you ever get to the point where you don't have any recent lines of credit, this may eventually end up hurting your score, but until then you really don't need any extras.


Hate that place. Took my daughter there for lunch on a Saturday, the place was fairly empty yet they had every TV on and the volumes cranked to the max like the entire room was full of football fans. I get it, the place is for sports fan, but come on.


Bargain Bins is an affordable bin provider operating in some major cities across New Zealand. Along with bins and skips, they also provide transport for all kinds of waste, such as concrete, soil and green waste. Their bins come in a range of sizes and can be hired for as long as you need. Order a bin and they’ll deliver it to your door – easy!


MyDeals247 is the world’s first personalized eCommerce platform - post your request (on what you want) - it creates healthy competition among the local sellers and brings the top 5 lowest offers for the buyer request real-time - you can buy or sell any items in your local area - totally customised to your own personal needs.


The optimal down payment is 0% IF your interest rate is also 0%. As the interest rate increases, so does the likelihood of the better option being to pay for the car outright. Note that this is probably a binary choice. In other words, depending on the rate you will pay, you should either put 0% down, or 100% down. The interesting question is what formula should you use to determine which way to go? Obviously if you can invest at a higher return than the rate you pay on the car, you would still want to put 0% down. The same goes for inflation, and you can add these two numbers together. For example, if you estimate 2% inflation plus 1% guaranteed investment, then as long as the rate on your car is less than 3%, you would want to minimize the amount you put down. The key here is you must actually invest it. Other possible reasons to minimize the down payment would be if you have other loans with higher rates- then obviously use that money to pay down those loans before the car loan. All that being said, some dealers will give you cash back if you pay for the car outright. If you have this option, do the math and see where it lands. Most likely taking the cash back is going to be more attractive so you don't even have to hedge inflation at all. Tip: Make sure to negotiate the price of the car before you tell them how you are going to pay for it. (And during this process you can hint that you'll pay cash for it.)


#####&#009;  ######&#009;  ####&#009;  [**Comparison of the health care systems in Canada and the United States**](https://en.wikipedia.org/wiki/Comparison%20of%20the%20health%20care%20systems%20in%20Canada%20and%20the%20United%20States): [](#sfw)   ---  >__Comparison of the health care systems in Canada and the United States__ is often made by government, [public health](https://en.wikipedia.org/wiki/Public_health) and [public policy analysts](https://en.wikipedia.org/wiki/Public_policy_analyst).     The two countries had similar [health care systems](https://en.wikipedia.org/wiki/Health_care_system) before Canada changed its system in the 1960s and 1970s. The United States spends much more money on health care than Canada, on both a per-capita basis and as a percentage of GDP.  In 2006, per-capita spending for health care in Canada was US$3,678; in the U.S., US$6,714. The U.S. spent 15.3% of GDP on health care in that year; Canada spent 10.0%.  In 2006, 70% of health care spending in Canada was financed by government, versus 46% in the United States. Total government spending per capita in the U.S. on health care was 23% higher than Canadian government spending, and U.S. government expenditure on health care was just under 83% of total Canadian spending (public and private) though these statistics don't take into account population differences.   >====  >[**Image from article**](https://i.imgur.com/TEekEH4.png) [^(i)](https://commons.wikimedia.org/wiki/File:United_States_Health_Gross_Care_Expenditures_\(1960_to_2008\).png)  ---  ^Interesting: [^Single-payer ^health ^care](https://en.wikipedia.org/wiki/Single-payer_health_care) ^| [^Patient ^Protection ^and ^Affordable ^Care ^Act](https://en.wikipedia.org/wiki/Patient_Protection_and_Affordable_Care_Act) ^| [^Health ^insurance](https://en.wikipedia.org/wiki/Health_insurance) ^| [^Health ^care ^in ^Canada](https://en.wikipedia.org/wiki/Health_care_in_Canada)   ^Parent ^commenter ^can [^toggle ^NSFW](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot NSFW toggle&message=%2Btoggle-nsfw+ck3rrwd) ^or[](#or) [^delete](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot Deletion&message=%2Bdelete+ck3rrwd)^. ^Will ^also ^delete ^on ^comment ^score ^of ^-1 ^or ^less. ^| [^(FAQs)](http://www.np.reddit.com/r/autowikibot/wiki/index) ^| [^Mods](http://www.np.reddit.com/r/autowikibot/comments/1x013o/for_moderators_switches_commands_and_css/) ^| [^Magic ^Words](http://www.np.reddit.com/r/autowikibot/comments/1ux484/ask_wikibot/)


People can lie, documents can be falsified, details can be omitted, etc. People will go through a lot to make $92,000.  Why doesn't she provide her brother with the necessary funds? If it's such a great investment, it will pay off right? And she's a rich celebrity too?  I know so little about your situation but the little I know doesn't add up.