"Keep in mind, if the name is trademarked, you might have it taken away from you. If it's generic, there's a good chance the potential buyer would just move on and set up another domain name. Consider web names such as Stockpickr. The proper spelling is there, and remains unused, ""This domain may be for sale"" at the top of the page. I'm guessing they asked for too much money and the potential buyer just decided to move on. We are at the point where the new domain extensions (.space .name .guru and hundreds more) have watered down the potential value of many sets of words. I'm sure there are still good names, and yours might be as good as you think, but you might find resistance getting a deal that lasts beyond the sale date."


How much should a rational investor have in individual stocks? Probably none. An additional dollar invested in a ETF or low cost index fund comprised of many stocks will be far less risky than a specific stock. And you'd need a lot more capital to make buying, voting, and selling in individual stocks as if you were running your own personal index fund worthwhile. I think in index funds use weightings to  make it easier to track the index without constantly trading. So my advice here is to allocate based not on some financial principal but just loss aversion. Don't gamble with more than you can afford to lose. Figure out how much of that 320k you need. It doesn't sound like you can actually afford to lose it all. So I'd say 5 percent and make sure that's funded from other equity holdings or you'll end up overweight in stocks.


There are two things you need to keep in mind when you look at Inflation as an entity. Inflation is necessary to keep in check the value of goods. As per Moore's Law for example, a mobile phone that you buy for £100 today will be available for £50 in two years. With increased purchasing power, one needs to maintain balance between the purchasing power and its value. If you think about the 'loss' at a rate of 2% you would have £96.04 (in terms of today's value) in two years. But if you looked at the same cell phone as leverage for your business where it allowed you to do work and earn £1000 in two years - the investment would clearly offset the cost of inflation. Inflation is incentive for people to spend their money. If you for example spent all of your £100 today, it is £100 income for someone else. He has further incentive to spend it creating a chain of transactions. In theory while this is a true mathematical loss, the increasing purchasing power helps you leverage your financial asset to get a return on your investment.


There are a lot of certifications/designations you could look into if you're willing to put in the time to study. CFA, FRM, CFP, etc. Most financial companies will recognize these although some carry more weight than others.


"There may well be several such graphs, I expect googling will turn them up; but the definition of risk is actually quite important here. My definition of risk might not be quite the same as yours, so the relative risk factors would be different. For example: in general, stocks are more risky than bonds.  But owning common shares in a blue-chip company might well be less risky than owning bonds from a company teetering on the edge of bankruptcy, and no single risk number can really capture that. Another example: while I can put all my money in short-term deposits, and it is pretty ""safe"", if it grows at 1% so that my investment portfolio cannot fund my retirement, then I have a risk that I will run out of money before I shuffle off this mortal coil.  How to capture that ""risk"" in a single number? So you will need to better define your parameters before you can prepare a visual aid. Good Luck"


This is actually not at all surprising. We've been pumping oil for a long time, it makes sense that the guys doing this are very good at knowing where the line between profit and loss is. With government handouts more operations are on the profit side. So those operations go forward.


"If you take a loan, you make a contract with your lender, let's call them ""bank"" (even if it might not be a real bank).  This loan contract contains an agreed-upon way of paying back the loan.  Both sides agreed upon these conditions.  Any change of it (like paying back early) needs the consent of both sides.  So, in general, no, you cannot just pay back everything earlier unless the other side accepts this change of the contract. Consider it from the bank's point of view:  They want to earn money by getting the interest you have to pay when you pay back everything nice and slowly.  It is their business.  They plan on these expected revenues etc. So if, for whatever reason, you have to pay back the whole remaining loan at once, you create a revenue loss for the bank and are liable for this financial damage.  In German the term for this is ""Vorfälligkeitsentschädigung"" which translates to ""prepayment penalty"" or ""acceleration fee"".  You just have to pay it, so in the end you come out like if you were paying back the loan in the agreed-upon fashion. However, many loan contracts contain the option to pay back early at specific points in time in specific amounts and under specific conditions."


"Having a separate checking account for the business makes sense. It simplifies documenting your income/expenses. You can ""explain"" every dollar entering and exiting the account without having to remember that some of them were for non-business items. My credit union allowed me to have a 2nd checking account and allowed me to put whatever I wanted as the name on the check. I think this looked a little better than having my name on the check. I don't see the need for a separate checking account for investing. The money can be kept in a separate savings account that has no fees, and can even earn a little interest. Unless you are doing a lot of investment transactions a month this has worked for me. I fund IRAs and 529 plans this way. We get paychecks 4-5 times a month, but send money to each of the funds once a month. You will need a business account if the number of transactions becomes large. If you deposit dozens of checks every time you go to the bank, the bank will want to move you to a business account."


Just because it's made in China doesn't mean it's garbage. Their hand tools have won multiple awards in the past several years and they have an unlimited lifetime warranty. If something breaks all you have to do is head over to the closest Kmart or sears and they'll replace it on the spot. You don't have to deal with shipping and waiting weeks to get a replacement.


The market can only bear so many high-priced mini-mansions. It's like a car dealership trying to sell Lexus and BMWs in a neighborhood where everybody can only afford a base model Honda.  There is plenty of housing, but not enough housing that is affordable.


My gut reaction is to agree with you. Then I realize that I'm shopping for a laptop that would have been a supercomputer ten years ago and planning to spend about $500. I think there's going to be a tipping point in 3D printing where it will just explode. And with the platform vendors locking their platforms down, figure a lot of the hobbyists are going to explode in that direction.   Pick the date you think we'll be able to print an electric motor (or at least the parts so it can be assembled) and I wouldn't be shocked if by that date some geek has actually printed him/herself a car.


It would seem to be in your best interest to file, and that probably means that you should do all you can to get your documents back.  If you are in fact owed a refund then there is apparently no penalty to filing late.  If you instead owe taxes, you better file in any case since the fees stack up pretty fast: 5% per month after the due date up to 25% of the taxes owed.


"First of all, the answer to your question depends on your starting dates and ending dates. So developed markets returns are higher over one period, and emerging markets returns over other periods. So far, there does not appear to be a systematic tilt in favor of one or the other. The reasons are as you said. Emerging markets tend to have higher returns in nominal terms, but developed markets currency movements (sometimes) cancel this out. So watch out for periods of strong and weak developed markets (e.g. U.S) currencies. In ""strong"" currency periods (such as those of the past five years or so),  you want U.S. market exposure, and in ""weak"" currency periods, the larger nominal local returns will be fully reflected in dollar terms as well."


This depends entirely on what the market guesses the news will be and how much of that guess has already been factored into the price. There is no general answer beyond that.  Note that this explains the apparently paradoxical responses where a stock good down on good news (the market expected better) or up on bad news (the market expected worse).


I disagree with most of the answers here so far because they are either too risky or too conservative and don't take taxes and retirement into consideration. OP, keep in mind the higher the potential return, the greater the risk. You haven't stated your risk tolerance, but consider the following: Pick a certain percentage of your $10k to invest for the long term. Pick a low-cost index fund like the S&P500 Index. Historically this investment does well in the long run, and it gets you started in investing. Keep the balance, the money you will need for the short term, right where it is not earning much interest. Have you started saving for retirement? Consider starting a Roth IRA (if you are in the USA) with some of the money for tax advantages. It's up to you to decide how much you should invest and how much you need to keep on hand for emergencies or short-term needs. There are plenty related questions on this forum you can browse.


Nearly 3 years ago, I wrote an article, Betting on Apple at 9 to 2 which described a bet in which a 35% move in the stock returned 354% on the option trade. Leverage works both ways, no move, or a slight move down, and the bet would have been lost. While I find this to be entertaining, I don't call it investing.  With $2-$3K, I recommend paper trading first, and if you enter option trades, no one trade should be more than 20% of this money. If you had $50K in betting money, no position over 10%.


Saving money for the future is a good thing.  Whether spending those savings on a business venture makes sense, will depend on a few factors, including: (1) How much money you need that business to make [ie: will you be quitting your job and relying on the business for your sole income? Or will this just be a hobby you make some pocket change from?] (2) How much the money the business needs up front [some businesses, like simple web design consulting, might have effectively $0 in cash startup costs, where starting a franchise restaurant might cost you $500k-$1M on day 1] (3) How risky it is [the general stat is that something like 50% of all new businesses fail in their first year, and I think for restaurants that number is often given as 75%+] So sometimes investing in your own business is financially risky, and other times it is not risky. Sometimes it is a good idea, sometimes it is not. Either way, saving for a future business that you may or may not ever invest in, is still saving money. If you never end up investing in a business, you can instead use that money for retirement, or whatever other financial goals you have. So it's not the saving for a new business that is risky, it's the spending. Part of good personal financial management is making financial goals, tracking your progress to those goals, and changing them as needed. In a simpler case, many people want to own their own home - this is a common financial goal, just like early retirement, or starting your own business, or paying for your kids' college education. All those goals are helped by saving money, so your job as someone mindful of personal finances, is to prioritize those goals in accordance to what is important for you. As mentioned by Stannius in the comments below, there is one catch here: if you are saving money for a short term goal (such as starting a business in a year), then you might want to keep it in low-interest savings accounts, instead of investing in the stock market. Doing this would remove the chance that your investments fail right before you need the startup money. Of course, this means that saving for a business that you never end up starting, could earn you less investment income on your savings. This would be the risk of saving for any specific short term goal that you end up changing later on.


I've developed a [hybrid charity-fair profit business model](http://www.naturalfinance.net/2011/03/open-partnerships.html) that has an entire section devoted to Monsanto.  Basically, GM foods is a comparable innovation to a cure for cancer or AIDS.   The excessive greed of Monsanto would make them just as hated if they controlled the cure for cancer as well.  Enhanced food productivity saves lives.  More nutritious food would too.   Monopolies that attempt to strangle every possible profit from the innovation are obviously focusing on saving as few lives as necessary.


"You keep saying this is based on data.  Please feel free to provide peer reviewed data supporting your stance that smoking impacts income.  I'm always happy to learn something new, but I'd need to see a valid source other than, ""Because I say so"".  Which is what you just said again.  Though this time you made a call to authority based on your undergrad degree."


Okay. They're faster than most other computers. They either have a dedicated fiber line or are physically closer.  But anyways, they flood the NYSE with tons of orders to slow it down. So they see another broker's order in the line up and delete the bogus orders. They can then make the purchase faster than the other guy. The other guy now has to pay a higher strike price than he initially thought the bid would be.   So let's say Apple's quote is 1.00  They send one order for apple  One for IBM  One for Yahoo  One for NBC Comcast  They see another guy wants Apple. So they cancel the orders for IBM, Yahoo and NBC Comcast and leave the Apple one to complete. The Apple one goes through and then they automatically resell it to the guy looking to buy Apple at a price of 1.0001  TLDR  They flood a bunch of orders at a bunch of different prices/quantities. They cancel before it goes through unless they see someone else wants it. If that person wants it they don't cancel.  edit: I don't even know if all or any of those stocks are listed on the NYSE. In today's world it doesn't make a difference anymore. However, replace NYSE with any exchange and the stock with any ticker symbol.  edit 2: They could also manipulate cross listing. Listing the same stock on two different exchanges. Those prices are mostly uniform but of course higher volume on one could mean a higher price on one before they stabilize. So if you can move fast you can buy the stock at the lower price and sell it on the exchange with the higher price.


"The standard measure of risk is the variance of the asset. The return on investment of the asset is understood as a random variable with a particular distribution. One can make inferences about the underlying distribution using historical data. As you say, this is what the quants do. There are other, more sophisticated measures of risk that allow for such things as skewed distributions and Markov switching. If you are interested in learning more, I suggest starting with the foundations of Modern Portfolio Theory: ""Portfolio Selection"" by Harry Markowitz and ""Capital Asset Prices"" by William Sharpe."


Problems with your plan (in no particular order) there is a limit, once they have decided that you have enough credit they won't offer any more. If the economy changes (like it did in 2008) they can reduce the limit on existing accounts. If you don't use them, they may decide to close them. Using existing cards will encourage the bank to increase the limit on that card. opening cards can make some lenders nervous. Having a new card close to when you are applying for a mortgage or a car loan can make them less likely to lend you the max. You have to decide: Are you trying to buildup your credit limit? or your credit score?


"This is an unrelated subreddit, so I want to avoid starting unwanted discussion out of common courtesy. I am merely trying to reach out. But a joke among firearms enthusiasts goes thusly:  > *Guy: ""Look, not only are you losing the arguments on home defense and hunting, but even if you weren't, the Second Amendment isn't about those things, it's about the ability to rebel against tyranny.""*  > *Narrator: ""That's paranoid and insane. A government will never become tyrannical!""*  > *Guy: ""What do you think of Donald Trump.""*  > *Narrator: ""He's literally Hitler. He wants to put Muslims and Women in FEMA camps.""*  Also just a friendly tip, publicly advocating for violent overthrow is a prohibiting offense. You can never purchase a firearm from the closest thing we have to ""militia"" stock. Please consider what you have just posted to social media. *(Also consider these have been continually expanded to include ""feel good"" restrictions. [Such as calling someone the wrong gender pronoun. (1)](http://sacramento.cbslocal.com/2017/06/05/hate-crime-guns-california/) [(2)](http://www.foxnews.com/politics/2017/10/09/new-california-law-allows-jail-time-for-using-wrong-gender-pronoun-sponsor-denies-that-would-happen.html))*  > *K. will not be in violation, by reason of my receipt or possession of a rifle, of any state law or published ordinance applicable where I reside;*  > *L. have not been convicted of any federal or state felony or violation 18 U.S.C. §922, and am not a member of any organization that advocates the violent overthrow of the United states government.*  Sorry for the threadjack. I just wanted to point out certain groups have thrown away the ability to ""#Resist"", in the morbid hypothetical you point out."


If this happened, first you would be breaking the law for driving without insurance. Second, my uninsured motorists insurance would cover it.   Third, your personal net worth is not zero. You are the owner of all those corporations which happen to own those assets. I could sue you and you would have to liquidate your stakes in those corporations. Your example is just saying someone doesn't have any assets if all their cash is tied up in stocks (equity ownership of corporations). If you're argument held true in court, no one could sue anyone successfully, because everyone would just put all their money in equities before a lawsuit.


This article highlights Romney's true position on outsourcing of jobs. He cares about the bottomline. He was like any other businessman, after profit. So, he understands and sympathizes with companies that outsource their business activities. He's a politician now, and the people are the number one priority, not corporations. I doubt he will institute hardline policies on keeping companies in the US, especially if it will lead to decreased profit. It goes against his political beliefs.


**Solyndra**  Solyndra was a manufacturer of cylindrical panels of copper indium gallium selenide (CIGS) thin film solar cells based in Fremont, California. Although the company was once touted for its unusual technology, plummeting silicon prices led to the company's being unable to compete with conventional solar panels made of crystalline silicon. The company filed for bankruptcy on September 1, 2011.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.27


Visa, Mastercard have very strong consumer protection. I have been wondering about this question for a while but never got around to asking it here: What happens if a retailer knowingly defrauds me? My guess is the first party to ask for help is Visa, Mastercard: a retailer knowingly defrauding you is unlikely to refund you any money. However, slip-ups do happen. If this is a retailer of good repute, they will not only refund you the money but send you a gift card too! Please do followup this post with what helped you in the end, but my guess is, your first (and last) line of defense would be Visa, Mastercard. Anything that would go through the bank would take such a lot of time and effort, that you would be better off writing it off.


"While the *potential* economic gains via increased trade and investment into the canal zone and whole country are relatively obvious (n.b. the widely quoted government report has not been fully disclosed, the contract was not openly bid on before being won by HKND, and HKND itself has a spotty track record with completing projects might as well one of this size, so take their astronomic claims with a grain of salt until there is more transparency), there is a significant risk of destroying the Nicaraguan environment and even potentially reigniting a civil war were affected groups (e.g. the [Rama](http://en.wikipedia.org/wiki/Rama_people), [Garifuna](http://en.wikipedia.org/wiki/Garifuna_people), [Mayangna](http://en.wikipedia.org/wiki/Sumo_people), and [Miskitu](http://en.wikipedia.org/wiki/Miskito_people)) to be ignored.  First and foremost he canal would decimate [Lake Nicaragua](http://en.wikipedia.org/wiki/Lake_Nicaragua), the largest freshwater lake in Central America and a crucial factor in the environmental and economic health of the region.  The introduction of saltwater and invasive species through the canal would essentially kill off most of the native flora and fauna while also removing a major source of freshwater for much of the country, the impact of both of which should also be obvious.  Besides the impact directly on Lake Nicaragua, the canal would also [potentially cut through as of now protected nature reserves.](http://www.nature.com/polopoly_fs/7.15580.1392661800!/image/Canal-2.jpg_gen/derivatives/fullsize/Canal-2.jpg)  According to Nature, ""[t]he excavation of hundreds of kilometers from coast to coast... will destroy around 400,000 hectares of rainforests and wetlands,"" as well as threatening the survival of numerous native species, threatening other industries including tourism and sport-fishing.  I could continue but this post is already longer than I planned on writing, so suffice it to say that anyone who say this is an unqualified positive for Nicaragua is either uninformed or being deceptive. Whether these consequences are worth it for the upside is an entirely different discussion, but these consequences are not to be disregarded lightly.  Sources:  [""Conservation: Nicaragua Canal could wreak environmental ruin"" written by Axel Meyer & Jorge A. Huete-Pérez and published by Nature.](http://www.nature.com/news/conservation-nicaragua-canal-could-wreak-environmental-ruin-1.14721)  [""Nicaragua Plans to Bisect the Country With a Massive Canal"" written by Rachel Nuwer and published by Smithsonian Magazine.](http://www.smithsonianmag.com/science-nature/nicaragua-plans-bisect-country-massive-canal-180949838/?no-ist)  [""Why the Plan to Dig a Canal Across Nicaragua Could Be a Very Bad Idea"" written by Greg Miller and published by Wired Magazine.](http://www.wired.com/2014/02/nicaragua-canal/)"


Starbucks has litigation in place to end this since the TSA is cutting into their handjob market.  Depending on how SCOTUS rules on Obamacare, they could either argue for a government mandated handjob that they can contract out or that the government can't force handjobs, therefore they have to leave it to handjob enterprises.  The details get fuzzy around whether customers will have a claim for reimbursement if they argue that they don't have time or a handjob right now and miss their plane.


"As an aside, on most securities with a spread of the minimum tick, there would be no bid ask spread if so-called ""locked markets"", where the price of the best bid on one exchange is equal to the price of the best ask on another, were permitted. It is currently forbidden for a security to have posted orders having the same price for both bid and ask even though they're on different exchanges. Option spreads would narrow as well as a result."


My parents owned 5 bowling centers throughout my childhood. Summer is the toughest time for a bowling alley. Open play is down because people want to be outside. Leagues run August-May and the majority of league bowlers want to take the summer off. Leagues are guaranteed revenue week to week. Summer months were usually break-even.   Does this center have a bar? That's a significant portion of revenue, especially in the summer.


"This is the only question that I see that you didn't answer yourself: Would withdrawing money from the margin account affect how the income is taxed (i.e., is the money taxed only after it is withdrawn)? The answer to this is ""no.""  The tax is the same whether or not you withdraw money from your margin account."


Man, that's some really important stuff when it comes to filling out a TPS report.  Which, BTW, now have a cover sheet.  Did you see the memo on the cover sheets for TPS reports?  I'll make sure you get another copy of that memo.


From wikipedia: In finance, a high-yield bond (non-investment-grade bond, speculative-grade bond, or junk bond) is a bond that is rated below investment grade at the time of purchase. These bonds have a higher risk of default or other adverse credit events, but typically pay higher yields than better quality bonds in order to make them attractive to investors. In terms of your second question, you have the causality backwards.  They are called junk bonds because they have a higher risk of default.


Fox News could lose 100% of it's ad revenue and would still exist as a state-run propaganda arm.  17% of one month's ad revenue is 17% of a dust mote when compared to the power and lucre they stand to gain serving an autocrat who rules over the world's wealthiest country and the world's most powerful military.


>Because we are the people who have come together to form a more perfect union.  You realize that isn't an actual argument for anything, right?  >Also, if we have poor & elderly suffering in the USA, the people with the high line condos and sports cars are not being taxed enough.  So the poor and elderly have zero responsibility for their own suffering, and the wealthy have all the responsibility to alleviate any suffering via higher taxes?  How does that make sense?


No no, I didn't forget. 3 times 12 is 36 minus 20 is $16 more.  Thank you, I just needed someone to acknowledge that's they were incorrect. How's that get top comment though?! So frustrating.  Edit: okay, not top comment anymore but still up there.


> Also I much rather the government tackle cable/utilities monopoly first, as that market is already anti-consumer even on price. Tech is still pro-consumer on price, just anti-consumer on choice.  Yes, but any country that prides itself on having an economy made of SMEs and start-ups is gonna be worried if the economy starts to take a shape which is decidedly anti-startup


This depends on what the alternative is. Your loan of .99% is very favorable rate. If you have the 15,000 right now but only hold it in your checking account or cash then you might as well just pay it all off(assuming you have an adequate emergency fund). Paying the debt off sooner will save you on interest. Currently if you pay the minimum you will pay a total of $15,230 by the end of the loan, a $230 premium to $15,000. - Math credit goes to  Joe If you have an investment vehicle you feel can successfully yield more then .99%, you might want to consider investing that money instead, while paying the minimum on your car loan. Also be sure to check the .99% is not an introductory rate which increases later on. It comes down to whether you can get a better return then .99% investing that money or whether you rather just pay off the debt and not worry about it. If you don't want to bother investing the money, than just pay it off... I also assumed you have no other revolving debt with a higher APR. If you do, first pay off the higher APR debt.


My Wife:   * Shitty genetics, lots of health problems   * By her own admission at *least* 10 IQ points down from fetal alcohol/drug exposure/being fed alcohol/drugs by her abusive mother beginning at age 3 (or earlier). Compensates by compulsively writing down everything in lists so she can remember things.   * Grew up in rural Indiana, dirt poor, abused physically, emotionally and sexually   * Realized at age 12 that she'd be pregnant by 15 if she didn't find a way out   * On her own initiative found a relative out of state to live with. Not a happy living situation but it allowed her to at least graduate high school.   * Got into college, not a great college but at least college.   * Got a degree.   * Took a job teaching in an poverty stricken area so she could give back to kids growing up the way she did.  Yup. All luck. She never could have done it without all that luck. Oh wait a second, no, she took responsibility for her own life and made something of herself instead of kicking back and waiting for a handout like all her friends and family who, oddly, haven't had much *luck* since and still live in poverty in rural Indiana.    Did I mention she makes more money, works less hours and has better benefits than I do?


Well you have three main options in my opinion. For cash, or any assets you can convert to cash, you could purchase bonds with a maturity date close to what you are looking to lock your funds up for. While you could sell these on a secondary market, admittedly - however you have a justification you can provide to yourself as to why you cannot sell them. Fixed term deposits often have poor interest rates, but if you ask to withdraw your money early you often forfeit all of the interest you would have gained. While your money would not be locked up, it keeps it further out of your reach, just like bonds. Every step further away from your bank account the funds get, the less likely you are to surrender to giving away money that is rightfully yours. It comes with the added advantage of typically high-returns. Trust funds can be set up with anyone as the beneficiary, and provide legal barriers so long as the beneficiary isn't also the executor. While it can be expensive to do so, you could hire a lawyer who specialises in estate law to set up a trust fund you are the beneficiary of, which has stipulations as to how and when assets can be released. I didn't include this as one of the main three, because it doesn't allow you to specify exactly when funds are released to you, but in many countries (including the US) you have special tax advantaged retirement accounts, where funds are locked away until you retire. However, it is unfortunate you even need to think about this. Another thing to consider is that if people start pressuring you for money, you should cut them out of your life.


How can I get quarterly information about private companies? Ask the owner(s).  Unelss you have a relationship and they're interested in helping you, they will likely tell you no as there's no compelling reason for them to do so.  It's a huge benefit of not taking a company public.


"What about all the people they employ who had nothing to do with it? People with families to feed  such? Fine the ever living dogshit out of them and jail anyone who showed gross neglegence (looking at anyone who said good security was ""too expensive"", or ""not a good return on investment""). Then move along."


"You aren't playing devils advocate, you aren't thinking at all.  If it's skilled or not is not isn't relevant to the discussion at all.  Walmart makes more than enough money to pay their employees a living wage.   The fact is that every single walmart exists today beause their employees can be subsidized by the state and federal government which means your tax dollars that you work for every single day literally is being used to pad the profit margins of walmart executives and their shareholders.  Do you understand that?  Your tax dollars are paying for the benefits of Walmarts workers, Walmart is NOT paying the benefits of their employees out of the profit they make.    What's the argument here, that because it's ""unskilled labor"" these people don't deserve to be paid enough to not be on state aid?  is that really the argument here?  If ""unskilled labor"" is so worthless how is Walmart generating some of the largest profits of any company around when most of their work force is ""unskilled labor?"""


Pot can affect competency. You are naive and biased to believe otherwise.   You argue that it never could cause problems. This is because YOU have never seen it happen.   The problem is you then discount any observations which go against what you have seen and been told by others. Others who have a vested interest in legalizing pot in all ways.   I know people who function just fine after a period of time from smoking.   I also know and have known  people who don't. Who prior to smoking pit where very timely and efficient at their jobs, then after starting to smoke became lazy and uncaring during work. With most, the ONLY thing that changed was they started smoking pot.   So you go ahead and avoid truths because you do not like them.


"If you're a good candidate in terms of all the usual metrics then it will really come down to selling yourself to any potential advisers. Remember that in PhD admissions individual professors are really making the admissions decisions.   Also, as you said you're from an econ background.... Unsurprisingly, mathematical finance is going to be pretty ""mathy."" If you haven't had courses in real analysis, differential equations, Fourier analysis, and statistics you may want to brush up on those subjects. I say this because I am doing a PhD minor operations research (coming from a mechanical engineering background) and I have been overwhelmed at times by the level of technical rigor that they take in these courses relative to my ""normal"" engineering math courses. I would have been well served studying some real analysis before taking stochastic calculus, for instance."


> After the NYT drummed up war in Iraq I've been done with that paper. They failed when we needed them the most.  This should really be the #1 comment on this thread. When it comes to important topics like international affairs, they're more of a propaganda rag than a source of serious journalism or analysis. I haven't taken them seriously since 2003, and what I do come across from them now and again on reddit is usually very biased (pro-American government).


"My best tip is to keep getting the interviewer to keep talking.  If you can't think of any questions,   build your questions off their answers,  show them you really want to know more,  it works well for you in the fact that it makes you look curious,  and it wastes time in interview before they get anymore difficult questions.   They expect any intern to be an idiot in the beginning,  it will take you quite some time to learn about the company,  but the team knows that already,  they're looking for ""value added"".  Talk about how you can add value,  how your experiences in the past can help with any work the company gives.    And make sure you learn how to tie a tie,  learn the Pratt knot,  make sure you're presentable,  and most Importantly,  be friendly and say good morning to everyone you pass,  everyone loves a friendly intern"


Wow you really are stupid, aren't you? Treasuries are the debt. Derp da derp, we sell 600b a year in treasuries because we don't have enough $$$ to pay our bills. America doesn't just print money, moron. You buy $100 in treasuries and they give you a voucher, and they can spend $100.


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My company has a dashboard that basically does this. We select industries / companies we want to be notified of and we get an email in outlook when a new analyst note, research report, or SEC filing is posted on that industry or company.


Based on what you wrote, you would be better off with no position to start, and then enter a buy stop 10% above the market, and a sell stop 10% below the market, both to open positions depending on which way the market moves. If the market doesn't move that 10%, you stay flat. However, a long option straddle position requires that the market moves significantly one way or the other just so you recover the premium that you paid for the straddle. If the market doesn't move, you will lose money on your straddle due to theta decay and a drop in volatility. Alternatively, you could buy a strangle, with a call strike 10% out, and a put strike 10% out. The premiums would be much much lower, and these wculd take the place of the stop entries. Personally, I would never buy a straddle, but I do sometimes sell them, especially when implied volatility is very high.


There is a clear difference between investing and gambling.  When you invest, you are purchasing an asset that has value. It is purchased in the hopes that the asset will either increase in value or generate income. This definition holds true whether you are investing in shares of stock, in real estate, or in a comic book collection. You can also purchase debt: if you loan money, you own debt that will (hopefully) be repaid and generate income.  Gambling is playing a game for chance. When you gamble, you have not purchased an asset; you have only paid to participate in a game. Some games have a degree of skill (blackjack, poker), others are pure chance (slot machine). In most gambling games, the odds are against the player and in favor of the one running the game.  Lottery tickets, without a doubt, are gambling.  There is a good article on Investopedia that discusses the difference between investing and gambling in more detail.  One thing that this article discusses is the house edge, or the advantage that the people running a gambling game have over the players.  With most casino games, the house has an advantage of between 1 and 15% over the players.  With a typical lottery, the house edge is 50%. To address some of the points made by the OP's recent edit and in the comments: I do not think the definitions of investment and gambling need to be dependent on expected value.  There can be bad investments, where the odds of a good result are low.  Similarly, there could be gambling games where the odds are in the player's favor, either due to the skill of the player or through some quirk of the game; it's still gambling. Investing is purchasing an asset; gambling is a game of chance. I do not consider a lottery ticket an asset.  When you buy a lottery ticket, you are just paying a fee to participate in a game.  It is the same as putting a coin in a slot machine.  The fact that you are given a piece of paper and made to wait a few days for the result do not change this. Assets have inherent value.  They might be valuable because of their ability to generate income (stocks, bonds, debt), their utility (precious metals, commodities, real estate), or their desirability as a thing of beauty (collectibles), for example.  A lottery ticket, however, is only an element of a game.  It has no value other than in the game.


It means a government giving out money to encourage a particular product (or service) to be bought or sold. Some people will use the word more loosely to refer to any financial incentive, even if it's not coming from the government. Wikipedia has a list of examples that may be helpful: http://en.wikipedia.org/wiki/Subsidy A commonly-mentioned one is farm subsidies, where farmers are paid to produce certain crops.


The pirates will always pirate, it's their nature.  But I believe that artists and other creators should be paid for their work.  I would gladly pay for a commercial-free, on-demand video service..kinda like netflix except with a better selection  I suspect that there are enough people like me to allow the scheme to make money..even if the pirates never pay.


I don't know about his department, but many PDs/government agencies begin offering pensions at the 10 year mark.  Those pensions are generally based off of how much you made while you were working.  It's quite possible that between he has his wife, they are getting $50-$60k per year in pension.  Government pensions are fucking GREAT.  Of course, they also bankrupt governments, but that's tomorrow's problem!  Weeeee!


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HSA rules are different in some regards than deductions allowable under Pub 502 which deals with medical expenses deductible in Schedule A of your tax return. Pub 969 governs HSA's and similar reimbursement plans, and the guidelines are as follows: Insurance premiums. You can’t treat insurance premiums as qualified medical expenses unless the premiums are for: -Long-term care insurance. -Health care continuation coverage (such as coverage under COBRA). -Health care coverage while receiving unemployment compensation under federal or state law. -Medicare and other health care coverage if you were 65 or older (other than premiums for a Medicare supplemental policy, such as Medigap). Since your wife is still being treated like an employee for health benefits, and you are not on COBRA, thus not eligible for a deduction. You may qualify under the unemployment provision depending on the cause of her disability.


To be to ally fair, the audit that is done on the Fed every year does not include foreign bailouts, foreign swaps, gold reserves and their leasing or sales, it does not include loans to Primary Dealer Banks. In fact it doesn't include anything that would let us see the extent or type of transactions that are taking place.


It really wouldn't have been hard to do.    Microsoft was approaching mobile developers throwing money at them to develop on their platform.  Imagine a world where instead they chose to compete.   Come in at a 15% rake instead of a 30% rake android and iOS were on.    Instead they too got in with a 30% rake on revenues.     The store was a joke too.   There was two we had to code for.  Two different windows stores with two different apis.   It wasn't worth it at all.


Starting and running a business in the US is actually a lot less complicated than most people think. You mention incorporation, but a corporation (or even an S-Corp) isn't generally the best entity to start a business with . Most likely you are going to want to form an LLC instead this will provide you with liability protection while minimizing your paperwork and taxes. The cost for maintaining an LLC is relatively cheap $50-$1000 a year depending on your state and you can file the paperwork to form it yourself or pay an attorney to do it for you. Generally I would avoid the snake oil salesman that pitch specific out of state LLCs (Nevada, Delaware etc..) unless you have a specific reason or intend on doing business in the state.  With the LLC or a Corporation you need to make sure you maintain separate finances. If you use the LLC funds to pay personal expenses you run the risk of loosing the liability protection afforded by the LLC (piercing the corporate veil). With a single member LLC you can file as a pass through entity and your LLC income would pass through to your federal return and taxes aren't any more complicated than putting your business income on your personal return like you do now. If you have employees things get more complex and it is really easiest to use a payroll service to process state and federal tax with holding.  Once your business picks up you will want to file quarterly tax payments in order to avoid an under payment penalty.  Generally, most taxpayers will avoid the under payment penalty if they owe less than $1,000 in tax after subtracting their withholdings and credits, or if they paid at least 90% of the tax for the current year, or 100% of the tax shown on the return for the prior year, whichever is smaller. Even if you get hit by the penalty it is only 10% of the amount of tax you didn't pay in time. If you are selling a service such writing one off projects you should be able to avoid having to collect and remit sales tax, but this is going to be very state specific. If you are selling software you will have to deal with sales tax assuming your state has a sales tax. One more thing to look at is some cities require a business license in order to operate a business within city limits so it would also be a good idea to check with your city to find out if you need a business license.


"The biggest disadvantage to you is that your tenant now knows your bank information, which means he can easily identify your source of money in the event he wins a lawsuit and wins a judgement.  He will be able to have a court marshall freeze your account. However, if you deposit your tenant's check into your account as opposed to an EFT, then your tenant can basically still obtain your bank account information and freeze your account, it would just take him a bit longer to get that information. I am definitely anti-landlord in these situations because I've had to deal with so many bad ones here in NYC, but as a landlord, the best thing you can do is to create a ""buffer"" account for you to deposit tenant rent money into, then transfer the money from the buffer account to your regular account.  This would prevent the tenant from knowing your personal bank information and greatly delay the tenant receiving his judgement from an assumed court win against you. My source:  I had to take my landlord to court, and after obtaining a judgement, I got a court marshall to begin the process of closing access to her account (she couldn't access the money in that account).  The process resulted in her sending me a check (assuming from her other account) for the judgement since her account was frozen and she couldn't access any of her money."


I mostly volunteer within a church environment.  Given this is reddit, I'm not sure how that comment will fair.    But I also see a lot of  workshops via networking sites; linkedin has one called 'Financial Culture | Financial Literacy', between the articles and financial counseling workshops in the area I live it would be pretty easy to get involved.    Also, START FOLLOWING COMPANIES on linked in.  Join groups that are related to what you want to do, they post items all the time about relevant news to their industry.  The more educated you can get the better.


What is essential is that company you are selling is transparent enough. Because it will provide additional liquidity to market. When I decide to sell, I drop all volume once at a time. Liquidation price will be somewhat worse then usual. But being out of position will save you nerves for future thinking where to step in again. Cold head is best you can afford in such scenario. In very large crashes, there could be large liquidity holes. But if you are on upper side of sigmoid, you will be profiting from selling before that holes appear. Problem is, nobody could predict if market is on upper-fall, mid-fall or down-fall at any time.


redethmoid, excellent questions and I appreciate that.    The fact is that we do need employees in the workforce in all sectors, blue collar/white collar.  The problem is the shift in the economy and how companies are responding to it.  The corp execs only look at the bottom line especially when they are a public company(they have to impress wall street as their first priority).  So what happens when profits and growth dip?  They immediately start looking for ways to cut the budget and it's usually by firing/lay offs and/or offshore outsourcing.  It's happening daily unfortunately.    If you live in the U.S., there's no reason to be living in poverty. People are dying to get in this country because of the freedom and opportunities we have.  It's all about mindset and how you view the world.    Here's my advice. I don't know you or your background but I can feel the frustration and where your mindset is.  First, remove the negative self talk from your language.  Saying that you're broke and have no money will force the universe to leave you in that state.  Start reading books on how to improve yourself first.  Change starts with us, not outside forces.  This is real shit my friend, not just some hype talk.    Next, if you need a rat race job to make ends meet, then do it even if you have a college degree.  Drop the ego and do what you gotta do.    Find something that inspires you and you love to do and figure out how to make cash doing it.  There are so many options out there, you just have to be willing to find them and open up your mind.    I'll leave you with that for now. If you'd like to connect on social media and learn more about this topic, let me know and I'll give you my details.    Have an awesome day!  William


You don't say what kinds of mutual funds, or what bonds. You don't say how old you are. You seem to have enough cushion to strike out on your own comfortably.  This is good. Compared with Vanguard's management fees, the fees you're paying are pretty high. The bottom line of what to invest in rests with you.  If you outsource it, it's still your money.  The managers get paid whether you make money or not. You have lots of other options: real estate from a distressed seller, commodities, currencies, websites, or other things where you have a knowledge advantage. For the time being, though, if you're concerned about your main income stream, I wouldn't get terribly risky with your money.  Cash is just peachy in that case.


The point of Lewis' speech is that society and culture has (wrongly) been attributing all success to skill alone, and almost completely discounted luck of opportunities as a factor.  It is a given that successful people work hard, they have to in order to make the most of the opportunities they were given.  But the general consensus has been that people who are not successful are not simply because they lacked somehow in skill, determination or dedication.  In doing so, as a society, we (well, the majority anyway) have allowed ourselves to become emotionally separated from those who aren't presented with the same opportunities and instead attribute their failure in life to lack of the aforementioned attributes.


It's not greedy for me to demand money from you - in fact, it is greedy for you to refuse my demands that you give me money.   It's not theft for me to take something from you - in fact, it is theft if you do not allow me to take something from you.  Also, left is right, up is down, and cats are female dogs.


Which side of the bed did you sleep on? Did you have to change the sheets if you'd recently had sex with someone in that bed? Did she eat breakfast in the mornings? Did anyone every notice and/or question this arrangement? Did she ever snore? Did you ever snore? Who fell asleep first? Was she ever big spoon? Did you guys ever sleep face-to-face? What happened when you finally did get into a new relationship?


The simple truth is, that the one that had to the most to gain is the one responsible and all else is misdirection.   So who gained the most and who actually had the ability and motivation to pull it off?  Lets see . .Zukerberg runs face books . . . he is a jew  Donald Trump's bankrupt son in law, kushner, is now in the White house call he shots in the middle east deal and his family making money from the influence . .they are jews  Israel is happy with their new F-35s, a promise to relocate the US embassy to Jerusalem, a hard line against Iran, that Nathanyahu keeps grinning like a jack ass . .they are jews  The Jews long lost calf worshiping Indian cousins are now the darling of America.  So getting this imbecile Donald trump in the White house has benefited the Jews the most and he has been bankrupt a number of times so he is surely their bitch on a long term basis.  They have control of the media as well as the Fed and the Treasury.  So the had the means, the motivation, benefited from it and put the blame of putting the biggest monkey that America could find in the White house on Russia, which never had the means to rig the election.  In reality, Facebook is a fucking blog page that has been over marketed to the extent that web pages are worth billions . .its a fucking dot.com scam


"Agreed, but often it seems that gray area is exactly what these ""innovations"" are looking for.  Repeatedly pushing down onto the struggling individual the past responsibilities of the wealthy corporation.    Say this thing picks up steam and is revitalizing Walmart.  John is walking out the door and ""critical"" deliveries need to be made.  John was a bit short last month and couldn't wait for the 2 week insurance reimbursement process.  So despite the team lead's prodding, didn't upgrade his insurance coverage this month.  He didn't want to be ""that guy"" so didn't confirm/deny getting modifying coverage to the lead.  The team lead asks John to take the packages, but doesn't really follow through on the insurance check.  John wrecks his car and his back.  John's insurance company rejects the claim.  The team lead and John are fired because not checking/having the insurance was against written policy, but winked and nodded away all the way back up to the #1 online retailer spot.  So often, obstacles are easily surmounted.  I get the ""personal responsibility"" angle for all involved, but social/financial pressure can be brutal.  The problem is that situations are left as is and the moneyed parties are ""enrichingly ignorant"".  My guess is few compile stats on SOL Uber/Lyft drivers in similar situations."


Lol..the MSM is using the nazi card to discredit all of Trumps supporters. It isnt going to work because we dont support nazis. We support free speech and the right to assemble peacefully.  [We know who we are. Dont let them brand us with their vitriol and hateful rhetoric.](http://i.magaimg.net/img/15ug.jpg)


Throwaway account was a good idea.  I work in government sourcing and depending on what government you work for, what you're doing is illegal as shit.  Federal stature and most state statute prevent a government employee from 1) getting paid for another job while being paid by the government for working during the same period (double dipping), and 2) being involved in the selection process of a vendor with whom the employee has a vested interest.  Additionally, if you work in a position that requires you to complete an ethics form and certify it, you will be further breaking the law if you don't disclose ownership by falsifying a government document.   Realistically, you're probably just full of it, but if you're telling the truth what you're doing is unethical and probably illegal.  And before you get too smug, you should know that government auditors aren't nearly as incompetent as you might think. Just overworked. It might take a year or two but I'm guessing they figure it out eventually. Government procurement and auditors generally have to verify things like company registration documents, etc...before awarding contracts and any time a contract is renewed. The auditors go back and look at those documents. It won't be hard to figure out what's going on, especially if you were the PM for the project.


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"How will 45K-60K ""end up in your pocket""?  Are you selling your home?  Where are you going to live?  You talk about moving to Arizona, what is so magical about that place? Congratulations on making a wise purchase.  Some people with new found money use it to correct past mistakes.  However, if they do not change their behavior they end up in the same situation just less them money they once had. While 50K income is respectable at your age, it is below the national average for households.  One factor in having a college education is those with them tend to experience shorter and fewer periods of unemployment especially for males.  Nothing will ever replace hustle, however.  I'd ask you to have a plan to raise your income.  Can you double it in 5 years?   You need to get rid of the revolving debt.  Do that out of current income.  No need to touch the house proceeds for something so small.  Shoot for 9 months. Then you need to get rid of the speeding fines and the vehicle loan.  That is a lot of vehicle for your income.  Again, I would do that out of current income or by selling the vehicle and moving to something more inline with your income.   As far as to moving or flipping foreclosures that is more of a question that has to do with your hopes and dreams.  Do you want to move your children every 3 years?  What if you move to Arizona and it turns out to be quite horrible?  You and your wife need to sit down and discuss what is best for your family."


An email stating that you'll move in is quite a bit different from signing a full lease agreement.   Technically the email amounts to a legal agreement.  However, as long as penalties for breaking the contract weren't part of the email conversation then you won't have any.  The current tenant will really have no recourse with you.


Well it has not been proven that any of that actually happened as far as i can find out.  I do think they are pretty sketch, however yelp ranks high in a lot of searches and people tend to use it a lot.  I look at yelp like paypal.  I hate the company and wish other good alternatives where around, but everyone uses it so its best to use them.  If he gets reviews from established yelp members they will stay.


This image is an advertisement from this week's Barron's. The broker would want to put himself in the best light, correct?  This shows you that of their current accounts, 53.5% are not profitable. And these guys have the best track record of the list. Also keep in mind that their client base isn't random. The winners tend to stay, so even if it were 50/50, the 50% of losers might represent many times that number of people who came to the table, lost their money and left.


Prepaid Legal is a publicly traded company worth over $600M. They've been around for years. So it's not a fly-by-night operation. I don't know enough to comment on whether their kind of MLM is legal.


"Markets are amoral. If you don't buy stock in a company that has high growth/earnings, someone else will. By abstaining you will actually make it cheaper for someone else who is interested in making money.  Investing in ""socially responsible"" funds will only ensure that you have less money to make a moral difference in the world when you decide to transition from working to philanthropy. Edit to clarify -- You aren't interested in buying individual stocks directly, that leaves you with two general options: You can make a statement with your investment now, or you can take the better returns and make a difference with your money later."


If that means keeping your job a year or two more, I can see most truckers taking that bargain to side with Walmart so.  Amazon and their delivery drones certainly won't be loyal to truckers anyway.  You can trust incompetency (comparatively) won't change over night and backstab you at least


It seems like all the companies on their scale treat their employees like garbage. However, I try not to shop at those places. The invisible hand of the market impacts Wal-Mart, but it has little real impact. Look at this thread, some people praise Wal-Mart because of this, but they've been treating them badly for decades.


A Yen is like a penny.  Buy a chocolate bar 100¥ or £1.00.  Should the UK get rid of pennies and only price things to the pound?


Turns out the verge isn't a good source. NYC bans rentals for short stays unless physical requirements are met within the building itself.   Again, not out right ban. You're a very dumb person.   Also, regulation has still crushed supply in NYC so my point, despite your whining and moving the goalposts to help yourself out, still remains.


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"There are no guarantees in the stock market. The index fund can send you a prospectus which shows what their results have been over the past decade or so, or you can find that info on line, but ""past results are not a guarantee of future performance"". Returns and risk generally trade off against each other; trying for higher than average results requires accepting higher than usual risk, and you need to decide which types of investments, in what mix, balance those in a way you are comfortable with. Reinvested dividends are exactly the same concept as compounded interest in a bank account. That is, you get the chance to earn interest on the interest, and then interest on the interest on the interest; it's a (slow) exponential growth curve, not just linear. Note that this applies to any reinvestment of gains, not just automatic reinvestment back into the same fund -- but automatic reinvestment is very convenient as a default. This is separate from increase in value due to growth in value of the companies. Yes, you will get a yearly report with the results, including the numbers needed for your tax return. You will owe income tax on any dividends or sales of shares. Unless the fund is inside a 401k or IRA, it's just normal property and you can sell or buy shares at any time and in any amount. Of course the advantage of investing through those special retirement accounts is advantageous tax treatment, which is why they have penalties if you use the money before retirement. Re predicting results: Guesswork and rule of thumb and hope that past trends continue a bit longer. Really the right answer is not to try to predict precise numbers, but to make a moderately conservative guess, hope you do at least that well, and be delighted if you do better... And to understand that you can lose value, and that losses often correct themselves if you can avoid having to sell until prices have recovered. You can, of course, compute historical results exactly, since you know how much you put in when, how much you took out when, and how much is in the account now. You can either look at how rate of return varied over time, or just compute an average rate of return; both approaches can be useful when trying to compare one fund against another... I get an approximate version of this reported by my financial management software, but mostly ignore it except for amusement and to reassure myself that things are behaving approximately as expected. (As long as I'm outperforming what I need to hit my retirement goals, I'm happy enough and unwilling to spend much more time on it... and my plans were based on fairly conservative assumptions.) If you invest $3k, it grows at whatever rate it grows, and ten years later you have $3k+X. If you then invest another $10k, you now have $3k+X+10k, all of which grows at whatever rate the fund now grows. When you go to sell shares or fractional shares, your profit has to be calculated based on when those specific shares were purchased and how much you paid for them versus when they were sold and how much you sold them for; this is a more annoying bit of record keeping and accounting than just reporting bank account interest, but many/most brokerages and investment banks will now do that work for you and report it at the end of the year for your taxes, as I mentioned."


"Fuck exempt salary positions.  The necessary reform is overtime for anyone who isn't a partial owner.  If you own a company and want to work a 100 hour week, fine.  But you cannot hire an ""exempt"" employee and work them 100 hours because of some classification.  Any non-owner should get overtime.  That would fix the massive unemployment/underemployment problem straight away.  If businesses can't force people to work two jobs for the pay of one, they'll have no choice but to hire more people.  The other problem is unpaid internships.  If someone works, they get minimum wage.  Probably more.  Remember, people fought and died for 40 hour weeks and fair labor laws.  Asshole corporations have fought to deny this.  I'm surprised they haven't tried to repeal child labor laws yet.  Most of them would be happy with ten year-olds working ten hour days for nothing."


Yep, you got me.  I misread that portion.  That must mean everything else I said must be false.  Looks like it is time for you to move on to the next uneducated poor soul and save the world, one tax loving citizen at a time....


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Yes, I think you're correct. I think it was more like.  Paul Singer: Pay up on time and in full or I will ruin your credit history so bad you'll never be able to get a loan again.   Argentina: Burn the house, we will call the BRIC bank to re-build.


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You may be using the wrong method to get your money back.  As others have said, this is not a valid use for chargeback; that is when a fraudulent charge occurred, or when a merchant charges you incorrectly. However, many cards have various kinds of guarantees, one of which might cover this situation. Particularly in some european countries, such as the United Kingdom which has Section 75 allowing you a recourse, services are included with goods.  Goods are typically the only covered elements in the US, though, but check your credit card agreement to be sure. Second, you can go through the FTC.  They will provide you a sample form letter to request a refund of your money, and if the merchant is not cooperative might choose to help you directly (especially if many others are in your situation).


You’re asking for a loan value that’s equal to 20% of your income. You need to calculate all bills that you pay and see what you have left over. If your current bills are more than 65-70% of your income you’ll have a tough time getting a loan.


Attempting to treat every BU as a profit center is doomed for failure.   Some of the record keeping for charge back models are good for data collection and any BU that primarily acts as a profit center can easily do charge backs with other BUs that utilize their services (say a publishing company asking the BU in charge of printing to provide some internal material). If the business function is not a core competency and is not a profit driver it is a cost center and should be treated as such.   For cost center based BUs record keeping, budgeting and controlling your commitments are key however you have a higher chance of being jerked around in some scenarios, this really comes down to the kinds of leadership around the BU.


Several states have compensation programs for victims of violence, and it's been around for decades.   I got compensation through a Los Angeles program 35 years ago.   Someone made a YSK post for the sake of anyone who was a victim of the Las Vegas shooting.   Poor folks are covered through Medicaid, seniors and handicapped folks through Medicare.


What asset allocation is right for you (at the most basic the percentage if stocks vs bonds; at the advanced level, percentage of growth vs value, international vs domestic etc) is a function of your age, retirement goals, income stability and employment prospects until retirement.  Roth IRA is orthogonal to this.  Now, once you have your allocation worked out there are tactical tax advantage decisions available: interest income, REIT and MLP dividends are taxed at income and not capital gains rate, so the tactical decision is to put these investments in tax advantage accounts like Roth and 401ks.  Conversely, should you decide to buy and hold growth stocks there are tactical advantages to keeping them in a taxable account: you get tax deferment until the year you choose to sell (barring a takeover), you get the lower lt cap gains rate, and you can employ tax loss harvesting.


I think we need some reform on what can be pat ended, but eliminating IP all together is a terrible idea. It would destroy any chances for a startup company to thrive. Let's say you invent a new widget (not an Android widget), but only have a small amount of capital to get started.   What stops a large company like Apple, Samsung, or Sony from taking your widget and copying it exactly? They have the capital to manufacture it on a global scale while you are stuck as a startup who had their idea stolen. Without IP they could do this without any repercussions.


This has never really adequately explained it for me, and I've tried reading up on it all over the place. For a long time I thought that in a trade, the market maker pockets the spread *for that trade*, but that's not the case.  The only sensible explanation I've found (which I'm not going to give in full...) is that the market maker will provide liquidity by buying and selling trades they have no actual view on (short or long), and if the spread is higher, that contributes directly to the amount they make over time when they open and close positions they've made.  It would be great to see a single definitive example somewhere that shows how a market maker makes money.


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"Cars depreciate the most their first year after introduction. So you could buy a ""new"" car in year 2 for the optimal price, and at year 4 (when you finish paying yours off) you could buy the next car in year 2 (this is surprisingly similar to rolling options in a buy-write strategy, an arguably more constructive use of your money)"


Over the long run, you can expect to do about as well as the market itself. Depending on what time period you view, the stock market has typically provided returns of approximately 10%. Some years it is up, some years it is down. You may think you can get better returns, but you are mistaken. You may be able to do better over a short time period if you take on vastly more risk, but you won't be able to do so long term. In order to make $2000/month, then, you will need approximately $240,000 to invest. And even then, you won't make that kind of return reliably. Some months, some years, you'll make more. Other times, you'll lose money. If anyone tells you they can double your money in a month (which is what you are hoping for), walk away. Because it is either illegal or a scam. The only way your plan can work is if you are reliably able to predict stocks which will go up by 10% in the next two days. You cannot do this. You can't even predict which stocks will go up by 10% in the next year.


I hate articles like this because it encourages irrational investing behavior and increases the chances of people falling victims to scams   At the time of the article there was absolutely no guarantee that Netflix was going to beat Blockbuster.    Blockbuster was the big whale and instead of taking Netflix seriously they held on to their money maker for too long and then failed to compete when they tried to pivot to renting DVDs and streaming.    If Blockbuster handled Netflix how Facebook is handling Snapchat (copying every feature and rolling it out to every asset they have) Netflix could have just as easily died.


"My big gripe with the ICO name and corresponding mania is that it has no similarity to an IPO.  At best an ICO is a seed stage investment in a wholly unproven technology/idea/theoretical use. A developer team gets together to write a fancy whitepaper, then build out a nifty website to display the idea they are working on.  Generally this idea has no practical immediate use.  Generally this idea is still nothing more than an idea.  At best the idea will be realized by substantially reusing the open source codebase of a different coin with slight tweaks.  The developers then go get an exchange or two involved to begin trading the tokens.  One exchange even goes so far as to begin trading IOUs for the tokens before the ICO takes place.  It's shear insanity driven by this mania to have the next bitcoin for $0.00001 each. When a real organization goes through the real, regulated, IPO process it has already had its seed funding then subsequent equity financing rounds, THEN once the company has demonstrated that it has a valuable product or service and a competent management team shares are allowed to be sold to the public.  By US law, seed stage companies are forbidden from seeking investment from unaccredited investors (this doesn't mean unaccredited investors are forbidden from investing).  An accredited investor is someone with over $200,000 per year of income or a net worth of over $1,000,000.  Seed stage organizations have an exceptionally high rate of failure, no matter the proposed business.   These ICOs are little more than developers fleecing naive ""investors"" by selling them the pipe dream of being on the ground floor of the next bitcoin.  It's really appalling.  You should stay away from them, everyone should stay away from them, and the people running them should be punished."


Bitfinexnetwork is a portfolio management program headquartered in London (UK). We already have a plant set-up that mines ethereum and G-CAS. Our plant or mining pool is in China. We mine crypto currencies and trade them further. People buy servers and lease back to us. When they lease them back, we offer them to participate in the output that we receive in the form of ‘’fixed returns’’. Bitfinexnetwork is India’s first portfolio management program that has a physical presence in sec 63, Noida. To maintain transparency among our members, anyone is allowed to come and meet us and have complete knowledge about the crypto world. We have taken official API from Bitfinex.com for trading purpose. Just to clarify, this is the only relationship between Bitfinex.com and Bitfinexnetwork.com. Our goal is to make mining and trading accessible to all users regardless of age, location, investment, technical nouse or experience. We want to give our customers an opportunity to try out cryptocurrency mining and earn Bitcoin as a reward. On a larger scale, we hope to contribute to the development of mining services and subsequently to the development, establishment and adoption of Bitcoin both as a currency and as an economic system


Ditto @MichaelBorgwardt Just to get concrete: I just checked one bank in India and they say they are paying 4% on savings accounts. I don't know what you're getting or if 4% is typical in India, but it's at least an example. So if the bank pays interest based on average daily balance, and you left the money in the bank for a week, you'd get 4%/52 = .077%. So on Rs 95,000 that would be Rs 73. I live in the US where typical interest on a savings account today is about 1%. So an equivalent amount of money -- I think that would be about $1,500 -- would get 1/52 of 1%, or 29 cents.  Don't leave the lights turned on while you do the calculations -- you'll spend more on the electricity than you make on the interest. :-) ** Addendum ** This suddenly reminds me ... I read a news story a few years ago about a man who was expecting a tax refund check from the IRS of a few hundred dollars, and when the check arrived it was for several million. Well obviously it was a mistake. But he came up with the clever idea: Deposit the check in an interest-bearing account. Promptly contact the IRS, inform them of the mistake, and ask how and where to go about returning the money. Hope that it takes at least a few days for them to figure everything out. Then keep the interest accumulated on the several-million dollars for the time that he had the money. And as he contacted them immediately about the error, they can't say he was trying to hide anything. It was a nice try, but it didn't work. They demanded he send them the interest as well as the principle.


It feels a bit like the entire system needs an overhaul, one wonders if a more automated economy and rising presence of AI will enable it or be an ethical barrier. It seems there's poor long-term planning for these sorts of issues where UBI is a last-ditch fix for a system that's no longer working for the working class.


There is a mathematical way to determine the answer, if you know all the variables. (And that's a big if.) For example, suppose you rent for 4 years and the price of rent never increases. The total amount you will have paid is: 600*48 = 28,800. If you currently have money sitting in the bank earning only a negligible amount of interest, and you can purchase the house for X, and then sell it for exactly what you paid 4 years from now, and you have 0 expenses otherwise, then purchasing it will save you 28,800 compared to renting. Obviously that makes some assumptions which are not possible. Now you need to calculate the variables: All of these variables can drastically effect the profit margin, and unfortunately they will vary greatly depending on your country, location, and the condition of the home. Once you estimate each of the variables, it's important to realize that if you purchase, your profit or loss can swing unexpectedly in either direction based on appreciation/depreciation which can be difficult to predict, in part because it is somewhat tied to the overall macro-economy of where you live (state or country). On the flip side, if you rent, it's pretty easy to calculate your cost as approximately 28,800 over 4 years. (Perhaps slightly more for modest rent increases.) Lastly, if you elect to purchase the house, realize that you're investing that money in real estate. You could just as easily rent and invest that money elsewhere, if you want to choose a more aggressive or conservative investment with your money.


No. Current account is not a requirement. You can use savings account. You would need to pay taxes on interest. Savings account have limitation on number of withdrawal in a quarter, hence most sole proprietorship have current account.


Credit in general having no significant change between an income level or net worth is due to the economic reciprocity principle inherent in many societies. Although some areas of credit may be more admirable to those who aren't as well-off, such as car loans, the overall understanding of credit is a trust agreement between someone getting something (e.g., credit card user) and someone giving something (e.g., bank or company). Credit doesn't have to mean just money -- it can be anything of value, including tangible materials, services, etc. The fact is that a credit is a common element in most economical systems, and as such its use is not really variable between income levels/etc. Sure, there is variance in things like credit line amounts and rewards, but the overall gist is the same for everyone -- borrowing, paying back, benefits, etc. All of these exchanges form the same understanding we all know and follow. Credit brings along with it trust -- the form represented in a score. While not everyone may depend entirely on credit, and no one should use credit as a means of getting by entirely (money), everyone can understand and reap the benefits of a system whether they make 10K a year of 10M a year. This is the general idea behind credit in the broadest sense possible. Besides, just because one has or makes more money doesn't mean they don't prefer to get good deals. Nobody should like being taken advantage of, and if credit can help, anyone can establish trust.


>If you want to claim such nonsense then you have to prove it.   Honestly this all scans with the same naivety as the communists saying WELL IT HASN'T BEEN TRIED PROPERLY YET. I mean, it only takes to the third paragraph until you get full on tin foil saying ALL THE WARS ARE BORNE OF STATES. I mean there have been no non-states since the bloody bronze age. Great argument there. Lost my interest completely. I suppose that makes me a 'statist', are you going to call me a cuck next?  I do love the irony that you say I have no evidence or reason to support something like 2 paragraphs after you say market monopolies are a myth - I mean it's not like there aren't many historical monopolies to point at to prove you wrong. Why not the east india company for example - got a royal charter to literally do whatever the hell it wanted. Doesn't get more free market than that. Ended up fucking everything up and killing a whole bunch of people, which ultimately seems to be the measure of how badly your philosophy fucks up.   Ultimately i find this philosophy unnecessarily reductionist, it lacks the nuance and resource flexibility to deal with shocks to the system such as external invasion or environmental catastrophe i.e.what protection do you have from these private courts if someone is polluting your water supply? Your air? What defines 'your air' and 'your water'? The company that's polluting it want to use that other court which is far more lenient on pollution than the one that you'd like. They also have a lot more in the way of money & resources than you - how do you resolve that?   I mean these are all hypothetical worst case scenarios; it's not like there was a complete breakdown of law an order in the old west - but it's not like it was a particularly nice place to live either. I mean, the current system is far from perfect, but all this sounds a lot like burning the house down to get rid of a spider; Democracy is the worst form of government - except for all the others.


> Have you considered going outside and experiencing the world around you  Technically I was in a Vegas airport once. As for how judging things you know nothing about, way to demonstrate your point by making some totally idiotic assumptions about me.


I am a man and I not in Silicon Valley but I work in a similar male oriented industry and there is truth to that. I have worked with women that get the reputation that they are not worth the risk. When a woman calls out what sometimes are/are not sexist remarks or makes it known that she will not tolerate any form of gender differentiation, they are branded as being difficult and redflagged and many will avoid working with her. Its innate. You have to fight against those stereotypes but sometimes women bring attention to issues that are not necessarily there.


"The office = the entire floor or shared space. It's a common term used by Americans to describe their company as a whole. Ie; ""I have to be in the office  for meetings tomorrow, I can't work from home""   No offices = personal private offices within ""the office"" (above). Ie; ""I have a corner office with a view which is nice for conducting private matters with new clients""     Kinda confusing how they mean different things for the same word."


Go to your local credit union and open an account there! Why do people put up with banks? Big banks are for business not for regular folks, they will nickel and dime you all the time, and that's the honest ones, the scum like WF will just trash you.


Thanks for that. After a while I was just writing for the enjoyment of writing (and because my wife is out of town) but it's cool that you followed it all the way and compliments are always appreciated! I long ago learned that the art of successful debate is at least 50% the ability to refrain from name calling.


If you use tax software to prepare your taxes, most packages have a planner for the next year.  You could use that.


"We payed off our Mortgage early...at first in small extra payments to principal, and finally a lump sum.  Each extra payment to principal reduced the balance, and reduced every payment going forward.  I have, somewhere, an excel spreadsheet where I tracked this...  - =CUMIPMT((interestRate/12),term,pymtNumber,balance,balance,0) computed the interest payment due  - =currentPrincipal + CUMIPRINTresultAbove computed the monthly principal payment Occasionally I would update the month-ending Principal balance against what the mortgage company told me.  It was usually off by a little.   My mortgage company required me to specifically contact them for a payoff amount before I wrote the final check.   I've never heard of a mortgage where prepayment of all expected interest following the original schedule is required.  I would guess it is against federal (US) law.  Lets think about that for a moment...  out of ""interest"", I recently computed that for our 30 year loan at 6-5/8% on about 145, we payed a total of 106000 in interest.  That include a refi to 4-7/8 10-years in to a 15-year loan, and paying it off 20 years after the original loan was granted. As far as not paying all the theoretical interest due...  - If they get a fixed dollar amount of service interest back, there's no incentive to me to pay on-time.  I owe the same amount if I pay it today or if I pay it 6 months late, after I gambled the mortgage money and finally won.  (yea, I know they could write the mortgage to penalize me for paying late, but I'm ignoring that)  - if you were requried to pay off all the interest that might accrue, how could you ever sell your home, or refinance, for that matter?  When I refi'd, the new holder payed the old holder 98,000.  If the original holder had required prepayment of all the interest that would be accrued to the original schedule, the new mortgage would've been 200k.  It would just never be a good deal to buy a home if mortgages worked under that term. I have had a car loan that worked differently -- they pre-computed the total interest due and then divided it over the term of the loan equally.  I could pay off early and they stopped collecting interest."


Buying a property and renting it out can be a good investment if it matches your long term goals.  Buying an investment property is a long term investment.  A large chunk of your money will be tied up with the property and difficult to access.  If you put your money into dividend producing stocks you can always sell the stock and have your money back in a matter of days this is not so with a property. (But you can always do a Home equity line of credit (HELOC)) I would also like to point out landlording is not a passive endeavor as JohnFx stated dealing with a tenant can be a lot of work.  This is not work you necessarily have to deal with, it is possible to contract with a property management company that would place tenants and take care of those late night calls.  Property management companies often charge 10% of your monthly rent and will eat a large portion of your profits.  It could be worth the time and headache of tenant relations.  You should build property management into you expenses anyway in case you decide to go that route in the future. There are good things about owning an investment property.  It can produce returns in a couple of ways. If you choose this route it can be lucrative but be sure to do your homework.  You must know the area you are investing very well.  Know the rent, and vacancy rates for Single family homes, look at multifamily homes as a way of mitigating risk(if one unit is vacant the others are still paying).


Twitter (and Facebook) are media companies. They make money selling (user generated) content to advertisers. To do this affectively, they need people on the ground in each market who speak the language and know the local customs.  If your question is why don't they make larger profits, is this their focus? Growth is THE major factor in stock price for a startup / newly floated company.


Building tanks and helicopters is the use of the countries economic resources for goods that provide no net benefit to the economy beyond their construction price.  If, for example, the government wanted to stimulate the economy by spending $1 trillion on something, sure, the country's GDP would by definition increase by $1 trillion, and there'd probably be some multiplier effect by those workers now having additional money to spend on other goods.  There's also going to be some negative effects on other sectors of the economy because the prices for labor and raw materials will go up because of the increased demand from the government.  If the government is buying $100 billion in steel and aluminum, you can bet that the spot prices of steel and aluminum is going to jump up, squeezing any private industries that need to buy those resources.  Now the question is what do you spend that $1 trillion on to get the biggest bang for your buck.  Military hardware accomplishes the goal of having something disposable to buy with $1 trillion, but little additional benefit to the private economy.  If you instead spent $1 trillion on building infrastructure (bridges/roads/dams/pipelines/flood control), scientific research, or education, you've now generated goods that have their own intrinsic value to society beyond their cost - whether it be less traffic, new scientific discoveries, or a more educated workforce.


You purchased the check from the bank. Your funds have been transferred. If the recipient never cashed the check, the money continues to be the bank's, just as if you had written s normal check that didn't get cashed the money would sit in your account.


Assuming that luxury goods like cars are currently owned by the rich, taxing them further would simply raise the prices of the goods further on the market. I would suggest giving a small number of goods like cars to random members with low cash, who can then bring down prices. They will then have more cash too.


Obviously you must be an Israeli and a Jew or you must be living on another planet.  You want pictures? [Here is a complete website](http://www.peterloud.co.uk/palestine/)  There is really no need to played the aggrieved and horrified party now . .the game is over and the world knows


No problem, glad you responded & I hope it is useful to you. Most of that stuff is actually how upcoming technology will effect dell not so much the economy but some of it goes hand in hand. Best of luck to you on you project. Also, thank you for the thank you.  I've responded to too many posts of people asking for help that never respond to their own posts so kudos to you.


> People should come before profits.   The entire Corporate Charter process is in United States law. It does say profit comes before people, it's called fiduciary responsibility. I haven't seen any political parties rise around this topic -- so I'd assume corporations hurting people isn't as big as Reddit makes it out? Otherwise most Americans would change how they vote and find a new party?


"You don't need a law degree, but it is pretty negligent to ask the internet legal advice. But hey, I guess you know better than me man.  My statements were more to say ""I don't know how nebraska works so you can't assume what I say is true everywhere.""  Speaking of which >Nepotism laws only apply to public sector jobs.  Doesn't apply everywhere anyway. You shit on me for trying not speak in incorrect definitive yet you then go ahead and make a false statement unilaterally."


>The people that are successful are the ones who had the wisdom, intelligence, and/or drive to capitalize on that moment.   And were lucky enough to have had parents who gave them the genetic predisposition to act that way. You could have just been born an idiot, or in a location where you would not be given that moment, and there is nothing you can do to stop that.


"Shady isn't quite the right word.  They know that most of their customers are going to quit soon after they begin -- as in ""before the end of January"" -- so they lock you in while you're motivated.  And of course they're going to make it difficult for you to quit. No choice but to read their contract, understand it completely, follow their rules, and meet their deadlines.  There's lots of freedom for them and lots of restrictions for you.  It's like this if you're not the one writing up the contract.   However ... do you have a YMCA around?  Our YMCA has an initiation fee, but beyond that it's month to month.  Most flexible gym membership I've heard of.  If you lapse for too long they'll make you pay another initiation fee to rejoin, but there's no penalty for canceling.  Not all Y's are like that, but check around to see."