"So you're making $150,000 per year and you have $245,000 in debts. You're in your late 30s and have $41,000, or less than 1/3 of a year's pay, put away for retirement. That's a bad situation, but not disastrous. Lots of people have recovered from far worse. But like the old joke goes, when you realize that you're deep in a hole, STOP DIGGING. The worst thing you could do right now is liquidate the few assets you have and go deeper into debt. I don't know where you live or what the housing market is there. But the easy answer is: find a cheaper house.  I'm not sure what you mean about ""affect the resale value"". Yes, if you buy a cheaper house it will have a lower resale value. So what? The days when a house was an investment that would skyrocket in value are over. (And even in those days, it didn't help most people. So when you move, you get a big profit on the sale of your house. But the house you're moving to probably went up by a similar percentage, so you really didn't gain anything.) Even if your house did increase in value, unless you sell it, that doesn't help you make the mortgage payments. It's a paper profit. Get yourself out of debt. Step 1 is to stop taking on new debts. And if at all possible, you should be putting bare minimum 6% into your retirement plan. I don't know where you work, but most employers match some percentage of the first 6% you put in. If you don't take advantage of that, you're giving up free money."


The finance sector is comprised of such enterprises as banks, investment funds, insurance companies and real estate. It is traditionally contrasted with what has been called the 'real economy' because funds created and utilized in this sector produce neither goods, services or fixed capital. The unproductive nature of transactions can easily be seen in such things as real estate. When a company undertakes to build a house or whatever its input goes directly to the labor and goods necessary for such a project. At its worst the financial sector mobilizes funds not just for production but for simple acquisition. Should a company raise the funds to buy an already existing building or the mortgage on same quite obviously nothing is produced. Same building on day one as when it was owned by another.   That, of course, is an extreme example as are corporate takeovers via private equity. In that case the efforts of the financial sector are not just non-productive but are often in fact ''anti-productive'' as they destroy or prevent the use of real factors of production. This 'anti-productive' action was demonstrated on a massive global scale during the last financial crisis.   The basically parasitic nature of the financial sector isn't always so blatant. There are some that argue that its 'services' can be valuable to the real economy. Perhaps, but that has to be determined on a case by case examination **and** while keeping the idea ''is there a better way to do this** in one's mind.


I would suggest following your quote and having a read of the web page supplied, that buys then sells or sells short then buys (the same security on the same day) four or more times in five business days, ... So it is a two way transaction that counts as 'one'.


"McDonalds has some more expensive items, but their ""Dollar Menu"" is ridiculously popular and supposedly a huge draw.  They've been trying to get rid of it for years because it's really hard to get anything decent for $1, but it's just too popular to cut.  (According to the random articles I've read about it.)  Other places don't really have anything like it.  At McDonalds you can get two $1.xx cheeseburgers and fill up pretty good for the cost of going to a vending machine.    While I very rarely go to any of these places, I do not agree that food is bad.  Tastes are subjective and what you get used to eating tastes good to you.   I remember that I used to absolutely love Taco Bell.  Then - after a few years of not going there - I went there and found everything to be absolutely disgusting.  But for a time, I thought it was the best stuff out there and there are a lot of people who like so called ""fast food"".  I do think the overarching point is true; customer tastes are fluid.  In the past 10-ish years, we've come to see a lot of ""gourmet"" burger places spreading like wildfire, for example.  But as long as fast food is cheap, they will continue to fill the market for cheap food."


"Still at it there, eh Richard, you troll. Why is it that you now have to resort to spamming every possible venue you can find? No need to answer as that was a rhetorical question.  The reason he is spamming reddit is because hundreds of his former ""clients"" are out tens of thousands of dollars and his already garbage reputation is now completely trashed.  It's only a matter of time before his past catches up to him. Karma is a bitch, Richard, and you've got a lot of it coming your way."


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"I've just received my first Credit Card statement from HSBC. All I can say is all the information you need is there. It's really easy to pay off your credit card bill just have to read the instructions! Here are the bank account numbers and steps how to set up a standing order (as it was written in my statement): ""Standing Order/ bill payment Pay a fixed amount to your HSBC Bank Credit Card using the following information: Type of Card Card     ------------------------  Number Begins   ----Account Number MasterCard: HSBC Bank and Welsh --- 543460 ----------------29004734 Visa: HSBC and Welsh ---------------------454638 ----------------09003649 Gold Visa ---------------------------------------494120 ----------------69005161 Remember, if payments are made using the wrong card details, sort code or account number, they may be delayed or not applied."" hope it was helpful"


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There are many things that can make a company's share price go up or down. Generally, over the long term, the more consistently profitable a company is the more its share price will go up. However, there are times when a company may not be making any profits yet but its share price still goes up. This can be due to forecasts that the company will start making profits in the near future. Sometimes a company may report increased profits from the previous year but makes less than what the market was expecting it to make. This can cause its share price to fall, as the market is disappointed in the results. In the shorter term greed, fear and speculation can make a company's share price move irrationally. When you think the share price should be going up it suddenly falls, and Vis-versa. When interest rates are low, companies with higher dividend yields (compared to bank account interest rates) become high in demand and their shares generally go up in price. As the share price goes up the dividend yield will be reduced unless the company continues to increase the dividend it distributes to shareholders. When interest rates start to rise these companies become less favourable as they are seen as higher risk comparable to similar returns from having one's money in the safety of the bank. This can cause the share prices to fall. These are just some of the reasons that make a company's share price move up or down. As humans are an irrational bunch often ruled by emotions, sometimes the reasons share prices move in a particular direction can be quite confusing, but that is the nature of the financial markets.


I know a couple of actuaries who are now senior in insurance companies. The study is very hard but you are well rewarded at the end. Both are, I would say, extremely intelligent so it is not a thing to start on unless you are really going to enjoy advanced statistical analysis. If it is your thing, then fine.


I don’t disagree that housing prices are important and vital to the economy, but I think they are a separate issue to inflation, requires a different set of tools to deal with, and has completely different outcomes from policies.   First and foremost, they are almost the only item purchased that can be resold at a higher value. So even though house prices may have risen 1000%, who ever had bought a house exits with a 1000% increase in equity. How would account for that when calculating inflation?


All banks allow online banking. HSBC is reputed the most international traditional one.  That said, opening a bank account in a 100% online bank would get you to near 0 cost, and is probably the preferred option. Every online bank is very similar to each other, so I won't make any recommandation here. Exemples are ing-direct, boursorama, Fortuneo. I'm afraid none offer english service, and it might be difficult to get in line with a decent english speaker. All theses banks will likely offer a gold/premier mastercard/visa, so travelling will not be an issue. The fees should be <2% for foreign currencies (it vary slightly), and <3€ if you use the ATM in none euro ones.


"Some theory that is, it's probably even more basic than that.  ""We need to control this area so that Russia and China don't control it. Now let's come up with a million and one reason to justify it""  -probably some US foreign policy decision maker"


"Yes, there are situations where a stock is a bad buy in spite of a low PE. PE ratio tells you the current share price divided by the prior 4 quarters earnings per share. It does not consider: Imagine someone walked up to you and said, ""Do you want to buy a piece of my business? I'll sell you 1% of it for $1000. Last year the business earned $25000."" A quick calculation shows a PE of 4 [$1000/($25000 *.01)]. Even though this PE is comparatively low, you wouldn't buy in without a lot more info. What kinds of things might you ask? PE is one tiny component of an informed investment decision."


I want to get into investment banking!  I have an interview!  What should I say?  Is Investment banking worth it?  Is it fun, glorious and cool?  I'm an engineer - should I throw it all away and focus on Excel?  Any help is greatly appreciated!


Unfortunately, the thieves don't have to be all that sophisticated to make the money unrecoverable.  What they typically do is open a phony bank account in the name of the victim.  They receive the refund into the fraudulent account, and they immediately withdraw it.  By the time anyone notices that the refund was fraudulent, the thief is long gone, and there is no money in the account to reclaim. It's not just the IRS who gets ripped off this way, by the way.  Thieves use a similar technique to cash stolen credit cards.  The thief will open a phony merchant account and a phony bank account in the victim's name.  They will run the stolen cards on the merchant account and deposit the proceeds in the phony account.  They are able to withdraw the funds before the fraudulent charges are noticed and reversed, and the processing company that the merchant account was opened with ends up eating the loss (or passing it along to their legitimate customers in the form of higher rates). Preventing this kind of fraud has costs.  There are monetary costs associated with putting antifraud measures in place, and there are costs to the customers in the form of having to wait longer for their financial transactions to go through.  Basically, everyone involved (the banks, the IRS, etc.) has to balance the losses against with the costs of preventing them.  When fraud is rare, it's cheaper for them to eat the loss than to prevent it.   If fraud starts to become more common you will see the institutions involved put into place additional checks to prevent improper transfers.  Tax return fraud has become common enough that the IRS has instituted prevention measures such as requiring information from previous year tax returns in order to receive your refund.  If that doesn't curb the problem, then they will probably add more measures, and perhaps they will slow down the payment process.  However, they probably won't ever get the fraud losses down to zero because that would mean both angering taxpayers by delaying refunds and spending more money on fraud prevention than they save in avoided losses.


Well as it was stated by others it isn't taken out of their paychecks, it's paid for by the employer, however these same individuals are exempt from paying into social security over a certain limit so if they are able to pocket that money up front why do they need to collect government benefits when they have extra income the rest of us do not have from not having to pay into social security.


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I'll tell you exactly what causes the counter pressure, agents of the state entitling themselves to the fruits of my labor.  How is it greed to want to earn a good livelihood, but not greed, on the states part, to steal more and more of its citzens livelihoods for the enlargement and enrichment of itself?


"I think you're missing a fixed and variable breakout cost per unit here. Fixed costs per unit decrease as volume rises.  If you think VC and equity peeps would throw down bills to a company who can't reasonably argue or support a cash generating model, you're likely mistaken. Uber's infrastructure and rapid scaling are cost intensive, however, once implemented, their costs do not rise 1:1 with every person who hails an Uber, which is what you're implying by leaving us two identical profit margins at vastly different volumes, which only exists in fairy-tale ""unicorn"" land.   Also, to your comments below: Oh wow, you think a tech company is overvalued? Like that's not the real ""soundbite"" - same fuckin' soundbite I heard when Amazon was trading at 200 a share."


"This is why I don't care about ""sales"" and ""sale price.""  My thought process goes ""Compared to everything else I've seen is this a good price?""   for example, a super high quality leather jacket could go for $3-400+ if the sale price on a similar leather jacket of similar quality is $50 I consider that a good price."


"The writer just failed elementary math. It doesn't make a shit bit of difference how many jobs were added if the ""official"" unemployment rate went up. Why the fuck would wages go up with less jobs available? This is econ 101. We're obviously still in a recession and yet we have endure this propaganda every month for years. Either the public is extremely stupid or they think we are. Take your pick."


S&P 500 are a relatively small portion of the entire American economy. Any number of things could cause them to increase in value at a greater rate than total output.   For example, distribution of total spending could shift from the public sector to the private sector if government tax receipts and outlays were decreased. It's also possible the economy is becoming more centralized towards tech and industrial giants, with an increasing market share in the hands of fewer, larger companies.


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Pretty fuck up that these companies want to brag about the people who spent their whole lives making them rich dying early makes them richer. They should feel bad and want a solution not brag about money saved. How about the money should go onto the families who said person who died?


"So you've already considered relocation. Here are a few additional things to consider with respect to negotiating a signing bonus (if any): Would you be leaving a position where you are eligible for an upcoming bonus, profit-share, or other special incentive payout, such as a stock option or RSU vesting date?  A signing bonus can help offset the opportunity cost of leaving a previous job when an incentive payout date is near. At the new company, would you be required to wait some pre-defined period to be eligible to participate in the pension or retirement savings plan with employer basic or matching contributions? If you were receiving ongoing employer contributions in your previous company's plan and would need to wait, say, six months before participating in the new company's plan, a signing bonus can offset lost employer contributions in the interim. Consider funding your own IRA in that time. Would you be required to give up something else of value to you that your previous employer was providing, such as an expensive laptop, that is not expected to otherwise be replaced by the new company? Whether they offer a signing bonus and how much you can expect to negotiate is based on a lot of factors and you'll need to ""play it by ear.""  Remember what bonus means: ""A payment or gift added to what is usual or expected, in particular."" Remember also that a signing bonus is a one time thing.  In general, it's more important to consider the overall ongoing compensation package – salary and incentive plans, vacation, retirement benefits, health benefits, etc. – and whether those meet your long-term needs."


A lot depends on whether your mortgage payments are interest only or 'repayment' and what the remaining term is on each of the mortgages.  Either way I suspect that the best value for the money you put in will be had by making payments to the larger, newer mortgage.  This is because the quicker you reduce the capital owed the less interest you will pay over the whole term of the mortgage and you've already had the older mortgage for sometime (unless you remortgaged) so the benefit you can get from an arbitrary reduction in the capital is inevitably less than you will get from the same reduction in the capital of the newer mortgage.  Even if the two mortgages are the same age then the benefit of putting money into the one on the new house is greater due to the greater interest charged on it.


I disagree, he clearly states that women will recieve equal pay and treatment for equal work. There is no discrimination there.  He states that if a female employee is causing drama then they are not being an effective, productive employee. I'm sure that if he had a male employee doing the same he'd handle it equally. I see no sexism there, I just think you were trying to bash his character out of him not having the same views as you on a certain subject.


Your Simple IRA account is yours and yours alone, not your employer's. The only thing your employer can do with it is putting more money into it. The best option is to simple let it sit for the two years, and then either:


"After the initial public offering, the company can raise money by selling more stock (equity financing) or selling debt (e.g. borrowing money).  If a company's stock price is high, they can raise money with equity financing on more favorable terms.  When companies raise money with equity financing, they create new shares and dilute the existing shareholders, so the number of shares outstanding is not fixed. Companies can also return money to shareholders by buying their own equity, and this is called a share repurchase.  It's best for companies to repurchase their shared when their stock price is low, but ""American companies have a terrible track record of buying their own shares high and selling them low."" The management of a company typically likes a rising stock price, so their stock options are more valuable and they can justify bigger pay packages."


"I have been working and studying at the same time since I was 13... for all purposes, when I finished high school, I was working and studying part time... until I got my B.Sc in Computer Science and Masters in Business Administration (MBA)... developed my career and now I am a senior executive making excellent money and supervising many people.  In retrospect, my degrees did not help me at all in my career in the sense that did not teach me anything of significance for real work and career life, nor did they lend me my first jobs. **Colleges and universities are mostly to find who is better in studying... in the hope that if they study well, they will do well in their career... because they can study well.** Mostly not true and does not work this way!    However(!!!), without a degree (piece of paper), I could not advance to my current position because ""degree required for this position"".  One more thing, very important: when I studied for my MBA, and worked full(!) time, I had no choice but to take night classes (City University of NY, Baruch College, one of the best business schools in the country). **This was the best experience I had in all the of my college studies!** Why? Because all(!) the professors who teach in the night were working in the morning in their normal jobs - none of them were tenured professors.  They were real business people, grounded, know what they are talking about, and they were teaching because they loved to teach and share the experience and knowledge. **Do you understand what I am saying here?**  So, I did not get the theoretical nonsense from them. They actually taught us what really happens, the real approach to things, and the real issues to address.  P/S: My son is following my way. Since he was 11, he works in the areas he like (Minecraft) and he made money since then, running classes, getting to know people in the field, getting experience, getting work ethics, etc. If he wants to go to Harvard, fine with me, but I think he just need to go to ""reasonable"" low cost college to get those pieces of papers called ""Diplomas""."


Quite honestly, with the current interest rates, you're better off getting a loan, putting the cash into some top performing equity funds and paying down on the loan. If for some reason you're in need of the capital, the stocks are going to be much more liquid.  Being debt free is a good thing, but there is also a right way to leverage yourself. At the end of the day though, and despite what anyone on this site tells you, you need to run the numbers, make the long term projections to determine what's the best route to take.


It's a con being played upon the middle money people by the big money people and it's based on the Bernoulli Principle or Venturi Effect. Simply put -- and in analogous form -- if a lot of something goes in one direction, then a lot of other similar somethings will go in the same direction too. So, if a lot of big money gets invested into derivatives then other money will follow. That original big money is called the primer -- it primes the pump flow and gets the other money following it in. If the original money, the primer, gets removed from the process it doesn't stop the flow of other money into the flow because once the flow is going, any new money in the process acts like the original primer money, sucking in even more money; this is the Venturi Effect in action -- it's how most pumps work.  So, you prime the pump, get it flowing nicely, move your priming money out of the process and wait for the thing to suck out as much money as the economy can withstand and then *crash,* er, profit! If you've set your stakes correctly to benefit from the stopping of the flow -- the crash -- you can make billions with very little effort and practically no risk at all.


Straight line depreciation is marginal as far as I understand. It would be a flat expense each year. Unless you mean 2 mil year one and 4 mil for years one and two combined and it's just written ambiguously here. It seems pretty straight-forward to me. 10 mil rev per year operating increase. 6.5 mil operation expense increase. Net income= rev-expenses. Depreciation expense is not an operating expense. As far as relevant cash flows I guess if there's not omitted info in this post would just be the cash for the initial investment, the added expenses, the added revenue, the salvage sale.


$60-$100 US is typical for US 1099 contract IT work, but it varies quite a bit by location and industry. Contract agencies can charge more (sometimes significantly more), but you probably don't have the clout to ask for rates that are on par with those. $85 per hour might be a good starting point.   Here are some factors to consider: I am not qualified to comment on the Canadian vs US legal and tax aspects fo your situation. Good luck


As do other states. The state and national debts are created by big government politicians. Such as bloated civil services, pension funds, more borrowing instead of fiscally responsible. The USA federal gov keeps trillions of shadow debt off its books and downplays the actual unemployment rate.


The stupid thing is, people will probably not mute the television anymore and end up listening to the ad.  Advertisers are like overstimulated children. They probably know they shouldn't do something so completely obnoxious but they're too fucking tryhard to control themselves.


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"You cannot deduct commute expenses. Regarding your specific example, something to consider is that if the standard of living is higher in San Francisco, presumably the wages are higher too. Therefore, you must make a choice to trade ""time and some money for commuting costs"" for ""even more money"" in the form of higher wages. For example, if you can make $50K working 2 hours away from SF, or $80K working in SF, and it costs you $5K extra per year in commute costs, you still come out ahead by $25K (minus taxes). If it ends up costing $20K more to live in SF (due to higher rent/mortgage/food/etc), some people choose to trade 4 extra hours of commuting time to put that extra $20K in their pocket. It's sort of like having an extra part time job, except you get paid to read/watch tv/sleep on the job (assuming you can take a train to work)."


"I can see why businesses would be upset at this, since previously facebook had convinced many businesses to use facebook advertising to increase the number of ""likes"" on their business facebook page.  And now they have to pay more to get any value out of having those likes on their facebook pages? Seems like a bit of a slap in the face."


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That's an interesting observation. Do you have any examples?   I wonder if this topic has been research: is it better to spend cash up-front to kill a threat than to concede some market share and earn less for longer in the future? Surely, the target company knows they are a strategic asset, and won't sell themselves cheap.


Why would it not make more sense to invest in a handful of these   heavyweights instead of also having to carry the weight of the other   450 (some of which are mostly just baggage)? First, a cap-weighted index fund will invest more heavily in larger cap companies, so the 'baggage' you speak of does take up a smaller percentage of the portfolio's value (not that cap always equates to better performance). There are also equal-weighted index funds where each company in the index is given equal weight in the portfolio. If you could accurately pick winners and losers, then of course you could beat index funds, but on average they've performed well enough that there's little incentive for the average investor to look elsewhere.  A handful of stocks opens you up to more risk, an Enron in your handful would be pretty devastating if it comprised a large percentage of your portfolio. Additionally, since you pay a fee on each transaction ($5 in your example), you have to out-perform a low-fee index fund significantly, or be investing a very large amount of money to come out ahead. You get diversification and low-fees with an index fund.


"Your question is very broad. Whole books can and have been written on this topic. The right place to start is for you and your wife to sit down together and figure out your goals. Where do you want to be in 5 years, 25 years, 50 years? To quote Yogi Berra ""If you don't know where you are going, you'll end up someplace else."" Let's go backwards. 50 Years I'm guessing the answer is ""retired, living comfortably and not having to worry about money"". You say you work an unskilled government job. Does that job have a pension program? How about other retirement savings options? Will the pension be enough or do you need to start putting money into the other retirement savings options? Career wise, do you want to be working as in unskilled government jobs until you retire, or do you want to retire from something else? If so, how do you get there? Your goals here will affect both your 25 year plan and your 5 year plan. Finally, as you plan for death, which will happen eventually. What do you want to leave for your children? Likely the pension will not be transferred to your children, so if you want to leave them something, you need to start planning ahead. 25 Years At this stage in your life, you are likely talking, college for the children and possibly your wife back at work (could happen much earlier than this, e.g., when the kids are all in school). What do you want for your children in college? Do you want them to have the opportunity to go without having to take on debt? What savings options are there for your children's college? Also, likely with all your children out of the house at college, what do you and your wife want to do? Travel? Give to charity? Own your own home? 5 Years You mention having children and your wife staying at home with them. Can your family live on just your income? Can you do that and still achieve your 50 and 25 year goals? If not, further education or training on your part may be needed. Are you in debt? Would you like to be out of debt in the next 5-10 years? I know I've raised more questions than answers. This is due mostly to the nature of the question you've asked. It is very personal, and I don't know you. What I find most useful is to look at where I want to be in the near, mid and long term and then start to build a plan for how I get there. If you have older friends or family who are where you want to be when you reach their age, talk to them. Ask them how they got there. Also, there are tons of resources out there to help you. I won't suggest any specific books, but look around at the local library or look online. Read reviews of personal finance books. Read many and see how they can give you the advice you need to reach your specific goals. Good luck!"


This sounds like a real consistency issue, then. When it comes to saying one thing and doing another with regard to spending money it seems common that a company just hasn't figured out why that kind of consistency is important.  To me it's a question of ROI. If a company insists on huge money-blowing events, what's the return? What is that event supposed to achieve, and is it worth it? Huge money blowing events can certainly be worth it when they actually generate long-term sales, significantly boost employee morale (in turn generating sales, hopefully) or similar. But as you obviously know, if all the employees involved in the event feel like it's bullshit before, during, and after it goes down then somebody didn't really look at the ROI before approving it.


I believe you can easily make tresholds for what constitute a partial owner. If I work for GE and buy a share, I'm not exactly a partial owner.  Anything under 10% for companies making, I don't know, less than 50 Mil in revenue, you're an employee. Larger companies, 5%.  That's just an idea, could be refined but, yeah...


Do you have the raw data?  Do you know how they selected the sample?  Did they discover perfect random?  I would guess not. So that probably would mean 100 isnt correct in this context.  I'm non-partisan. I would also just ask, how did that election turn out again with the numerous polls and other research of 1000+, repeatedly at different times over a campaign that seemed to have been like 2+ years long?  Further I dont even know why we are talking about a study of 100 when theres glassdoor with more than 10,000 reviews though it isnt normalized or in an actual study format. The thing to note is that if you compare the types of employees to another tech company like lets say Google/Alphabet or Facebook you have a different distribution in the type of people recruited and that might effect their experience. Amazon does a lot of retail, support and call centers as compared to a lot of engineers with a more educated background. Both are people but theres definitely a difference in the type of person as well as their temperament you get if you go to lets say an urban wal-mart as compared to an Alphabet or Facebook engineer.


May want to post in /r/landlord but stains on carpet are not normal wear and tear.   When you say hanging things left holes in the wall do you mean small picture nails, larger holes from toggle bolts, or holes from mounting a tv bracket?  Picture nail are normal wear and tear, the others are not.   If they are repairing homes in the wall then there will also be painting charges. If the have stains on the carpet and it wasn't that old then the price isn't bad.


"WOW.  So much for ""Do No Evil"" huh?  It's this stuff that has convinced me that everyone should be boycotting google, that we should not refer to ""alphabet"" by that name but instead just call it Google. That way we can prevent them from hiding from their crimes. They wanted to own ""search"" and when they couldn't have that they decided to try and purchase ""alphabet"" and we shouldn't let them have that either. Really who do they think they are?"


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The problem is that's all Chipotle has going for it... a big ass burrito with a handful of toppings. Once you eat there twice you've pretty much had all Chipotle has to offer unless you'd like to try a burrito in a bowl. Not exactly a well thought out menu. I don't see Chipotle standing the test of time unless they expand their menu and market. It's just boring after a couple times. You get way too much food also so any claim to being healthy is BS.


Does anyone remember what Porsche had amassed when they attempted a hostile takeover of Volkswagen (before Volkswagen countered with a Pac-Man defense)?  It wasn't anywhere near the scale of the assets Apple has under management, but it was still funny that a small racing company and sports car manufacturer quite nearly pulled it off at the time.


"Discussed? The article is an amateur-ish ""discussion"" littered with swears, rampant bolding and Godwin law-esque Iran comparisons. What is his counter-proposal? What is the specific language that he takes issue with? I just read a thousand words of ""this is total bullshit and I'm so emotional right now.""  Does he realize that these proposals always start from a strong regulatory stance and drift towards the more reasonable after calling for comments and iterating?  It doesn't seem like it."


r/shittydataisbeautiful/    The first 20 data points looks at his net worth on average every 2.25 yeras.  The last three data points look at it on average every 7.67 years.  I sure as hell hope his net worth grows by more every 7 years than every 2 years.  On top of that, this should be on a log scale as exponential growth is a pretty widely accepted concept of finance.


$600 a month is high, but may be the best you can do. When I moved from UK to Canada my first insurance quote was $3000 a year, but that was 20 years ago and I was older than 27. The rates go down substantially after you have had a local license for a few years. Best tips for minimising this:


Private sector jobs are way above the pre-recession peak. The only reason there aren't more total jobs than before the recession is [enormous public sector layoffs](http://www.calculatedriskblog.com/). The fact that there has been some rebound in government hiring isn't really a bad thing.


I've heard this story over and over.  It's heartbreaking to hear of people (men and women) who slave to start a company, scrape together the wherewithal to take on 2 or 3 employees, back up the payroll from their own personal money when times are tough and then.. just get stabbed fully in the back by women who milk every last minute out of their entitlement before not coming back.  I know they aren't interested in the business and I accept that their first priority is the child.  But that doesn't make it any easier on the business owner.  Would you take on somebody if you seriously thought this was going to happen?  Would any small enterprise ever hire anyone?  Equality is a nice idea but it will stifle small and slow growing businesses to the point where the only way to get started will be to take a big loan.  And that is not in the interests of the economy at large.  There should be a second class of job, which you as a company have to fulfill certain requirements to offer.  Low turnover (not profit) for example, maybe under 5 employees too.  Basically, a company with little reserve with which to deal with an uncertain absence of a large percentage of its workforce.  This second class job should carry with it either a waiver on the sexism discrimination policy (although this is completely insane and unfair to women who aren't interested in babies), a waiver on the ability to dismiss people for falling pregnant (which we kind of have in the UK given that in theory there's no unfair dismissal if it's in the first two years, although woe betide anyone who tries this out and immediately hires a man) or - and here's a wacky fucking idea - *some kind of increased government support in the case of pregnancy*.  Stifling small companies by forcing them into penury just because someone wants to have a baby - arguably the most natural thing in the world - is in nobody's interests.


Looks like this is just for billing mostly.   We need inventory management that integrates with our PO's but still be able to add line items for sales that do not come from inventory.   We need a system similar to SAP.


I'm a sucker for cool interiors and I don't really pay attention to safety (although I should). I have two friends, one who bought a '17 Civic and another who bought a '17 Corolla. Neither of them know anything about cars. The Honda was impressive with the exception of the stupid touch controls for volume. The Corolla, at a similar price, was not nearly as impressive. Until the '18 Camry was announced, Toyota's design language lagged behind basically every major car manufacturer.  My point is that Toyota makes some ugly cars, relative to their direct competition. However they ARE getting their shit together - just look at the Lexus LC500, which the CEO of Toyota worked on. The design language is changing but I'd rather wait and see what happens in the very near future.


"This is the best tl;dr I could make, [original](https://www.nytimes.com/2017/08/11/business/dealbook/teamsters-union-tries-to-slow-self-driving-truck-push.html?ref=dealbook) reduced by 65%. (I'm a bot) ***** > The union has persuaded United States lawmakers to exempt commercial trucks from a bill allowing more autonomous vehicles on the roads.  > The bipartisan plan raises the cap on permitted vehicles that don&#039;t have common features such as a steering wheel, or meet certain safety requirements, to 100,000 a year from the current limit of 2,500.The Teamsters successfully lobbied to exclude vehicles over 10,000 pounds.  > It is seen as a precursor to autonomous trucks, and Arkansas, Tennessee and South Carolina are among the states considering such a move.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6two5r/teamsters_union_tries_to_slow_selfdriving_truck/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~191527 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **truck**^#1 **vehicles**^#2 **States**^#3 **self-driving**^#4 **autonomous**^#5"


If the work is unnecessary, the jobs were made obsolete.  The only thing that's changed is we're paying less to create the same product.  The worker's former compensation doesn't disappear into the ether, it's re-allocated to the new players  (electric company, robotics manufacturer, mechanic, etc.); a person being fired is only half the story.  Blaming Amazon for becoming more efficient by being an early adopter of new technology and business practices seems like misplaced aggression


"If you buy a long term bond with long term fixed interest rate, and then the interest rates increase, your bond is worth less. That's not a problem, because over the years the value of the bond will go back to its nominal value. If you have a bond that doesn't pay out annually but increases its value every year, you will get exactly the amount of cash when it pays out that you expected.  The problem is that if for 20 years interest rates were 8% while your bond only paid 4%, then you will have such an amount of inflation that the cash you get is worth much less than you hoped. You may have hoped that your bond would be worth ""one year average salary"", but it may be only worth ""six months of average salary"", even if the dollar amount is exactly what you expected."


SECTION | CONTENT :--|:-- Title | Deep Dive: Fixing Our Broken Food System Description | Making sure that everyone has access to safe, affordable, and healthy food, is a complex task.  Consider the complicated production and distribution systems, both large and small, that need to balance environmental and labor concerns, with sometimes competing business priorities.  Moving away from a system that incentivizes cheap, processed junk requires not only policy solutions, but creativity from both the private sector and the individual consumer. Failure to act has resulted in consequences... Length | 1:21:19           ****   ^(I am a bot, this is an auto-generated reply | )^[Info](https://www.reddit.com/u/video_descriptionbot) ^| ^[Feedback](https://www.reddit.com/message/compose/?to=video_descriptionbot&subject=Feedback) ^| ^(Reply STOP to opt out permanently)


They have already done this - why should they have to pay taxes when a latecomer does not have to? Why did they have to follow environmental laws when Foxconn does not? That sounds like crony capitalism to me, where the government favors certain businesses over others.


Yeah, except they underbid based off of information and plans that changed 3 weeks in (not their fault).  So now they have to foot the bill?  I've been in too many construction jobs where exactly this happens.  No plan survives the encounter with reality fully intact.


The unstated bit of info is that most minimum wage workers who want to work full time aren't able to. The employers prefer part-timers who get fewer benefits, and whose shifts can be altered at the last minute to match up to real or forecasted demand. If you are a retail clerk or fast food worker, you generally can't get a full time job and with the constantly shifting hours you find it a challenge to get a second part time job because you can't tell the hiring manager in advance when you'll be available to work.


"The answer is that it depends on your bank and your creditor (whomever you are paying). Most banks offer ""overdraft protection"". For a fee, they will process the payment as if you had the money, and your account will become ""overdrawn"". The next deposit you put in will be applied to the overdraft and once the account is ""zeroed"" funds will begin to become available. The fees charged, and whether a particular charge will go through, depend on the bank; a few banks will process a payment without a fee if it only happens occasionally, some will hit you with a charge per debit in excess of the amount, while others will charge you per day on which debit transactions were made while your account was overdrawn, and still others will tack on a charge for leaving your account overdrawn for an extended period. In almost all cases, the for-profit institutions (banks) will charge more than non-profit institutions (credit unions).  Watch out for banks that offer ""automatic overdraft transfer""; they'll automatically transfer from another account (including, eek, a credit card) to cover a debit to an account with insufficient funds. Sounds great, but the fee they charge is often close to the overdraft fee, while without overdraft protection, if the payment were simply denied at point-of-sale, most banks have smartphone apps that allow for instantaneous transfer of funds, for free. I've never heard of a ""partial payment""; you either have sufficient funds to cover the debit or you don't. If you don't, and you don't have overdraft protection, the bank will simply decline to pay. The result of that situation depends on the exact circumstances; if a utility check bounces, they may try to run it again the next day, or they may immediately cut your utilities and come after you for the balance. At point-of-sale, they simply won't give you the merchandise. Some places are really rabid about pursuing ""hot check writers""; if the check doesn't clear you have to pay in cash, on the spot, or they call the police. As far as ""interest on debt"", it doesn't work that way; it's a ""service fee"", otherwise it would be subject to some pretty hefty federal regulation. However, if you figure it as interest, you'd be amazed; let's say you bought lunch at a burger joint for $10. You didn't have enough in the account, but it was close, so the bank let it go - and charged you $35. You have effectively inflated the cost of that meal to $45, a 350% instantaneous price increase (or if you prefer, 350% interest on that $10); I dunno about you but if I were paying $45 for one lunch it wouldn't be at a burger joint. Most banks simply will not process a check on an already-overdrawn account, overdraft service or otherwise; they'll hit you for the overdraft fee (usually actually a fee for an NSF check) AND decline the payment. So, if you had $1 in your account and wrote a rent check for $1000, it'd still bounce even with overdraft service."


"The ""guaranteed minimum future value"" isn't really a guarantee so much as the amount they will charge you at the end of the agreement if you want to keep the car. In this sense it might better be considered a ""guaranteed maximum future cost"". If the car has fallen below that value at that point, then you can just hand back the car and you won't owe anything extra. If it turns out to be worth more, you end up in profit - though only if you either actually pay for the car, or if you roll over into a new PCP deal. So the finance company has an incentive to set it at a sensible value, otherwise they'll end up losing money. Most new cars lose a lot of value quickly initially, and then the rate of loss slows down. But given that it's lost £14k in 2 years, it seems pretty likely it'll lose much more than another £1k in the next 2 years. So it does sound like that in this case, they estimated the value badly at the start of the deal and will end up taking a loss on the deal when you hand it back at the end. It appears you also have the legal right to ""voluntary termination"" once you have paid off half the ""Total Amount Payable"". This should be documented in the PCP agreement and if you're half way into the deal then I'd expect you'll be about there. If that doesn't apply, you can try to negotiate to get out of the deal early anyway. If they look at it rationally, they should think about the value of your payments over the next two years minus the loss they will end up with at the end of those two years. But there's no guarantee they will. Disclaimer: Despite living in the UK, I hadn't heard of these contracts until I read this question, so my answer is based entirely on web searches and some inferences. The two most useful sources I found on the general subject were this one and this one."


It's also the fact that there's a difference between ability and qualification.  I, for example, am capable, though not qualified in the eyes of many companies.  I've talked to a couple of them before where they don't seem to care much about an electrical engineering degree, but would love me if I had a toilet paper MIS degree or similar.


[Image](https://imgs.xkcd.com/comics/purity.png)  [Mobile](https://m.xkcd.com/435/)  **Title:** Purity  **Title-text:** On the other hand, physicists like to say physics is to math as sex is to masturbation\.  [Comic Explanation](https://www.explainxkcd.com/wiki/index.php/435#Explanation)  **Stats:** This comic has been referenced 1413 times, representing 0.8601% of referenced xkcds.  --- ^[xkcd.com](https://www.xkcd.com) ^| ^[xkcd sub](https://www.reddit.com/r/xkcd/) ^| ^[Problems/Bugs?](https://www.reddit.com/r/xkcd_transcriber/) ^| ^[Statistics](http://xkcdref.info/statistics/) ^| ^[Stop Replying](https://reddit.com/message/compose/?to=xkcd_transcriber&subject=ignore%20me&message=ignore%20me) ^| ^[Delete](https://reddit.com/message/compose/?to=xkcd_transcriber&subject=delete&message=delete%20t1_dksp032)


Yes.  If you're still 20 years off from retirement, it wouldn't make sense to liquidate everything; it'd be an attempt to time the market. If you're *very* worried and retirement is soon, then it'd be something to consider (albeit bonds would make more sense at that point).


"Orders large enough to buy down the current Bid and Ask Book are common. This is the essential strategy through which larger traders ""Strip"" the Bid or Ask in order to excite motion in a direction that is favorable to their interests. Smaller traders will often focus on low float/small cap tickers, as both conditions tend to favor volatility on relatively small volume."


We've found a great idea for a bachelorette party in greatest West Palm Beach Escape Rooms, we can make rememberable and unique your party which has been added to your bachelorette itinerary. If anyone in your party has special tools or questions to activity level for each room. The bachelorette parties west palm beach set in a gorgeous  nightclub, our hostesses will lead your friends with an amazing party service. This game is the brain based puzzle, each group in the game allowed to ask hints to play.  A maximum number of the escape room is described in the instructions of the game.


"My wife and I have Gap, Kohl's and Amazon cards. They each give extra benefits when using them at their stores, and usually 1% cash back at other places, although we don't use the Gap or Kohl's anywhere else.  We don't carry a balance, so as mentioned, the rate doesn't matter. And they are so spread out when we've gotten them (Kohl's for a good 3 years, Amazon about 2 months ago) that I don't expect any issues for credit checks. In fact I just got approved for a mortgage loan, way more than what I know I can really afford.  In my mind, credit cards are a bad idea when you use them as ""real"" credit. If they are used more like a debit card (spending money that you have), its like a loan (you don't have to pay it off til later), and you get paid for it (whether in cash or merchandise)."


KUCHING: While China Mobile Ltd (China Mobile) has been reported to have held talks to buy circa 20 per cent stake in Axiata Group Bhd (Axiata) at an undiclosed price, analysts say this deal is unlikely to happen.  According to the research arm of Kenanga Investment Bank Bhd (Kenanga Research), the stake would be valued at more than RM11.9 billion based on Wednesday’s closing price of RM6.95.  No agreement was reached as Axiata and its largest shareholder Khazanah Nasional Bhd (Khazanah) were unwilling to sell that much equity stake and also considered the indicated offer price as too low.  Sources: http://www.ranker.com/list/the-jakarta-globe-xl-axiata-axis-capital-group-merger-plans/abbyditter http://www.yelp.com/topic/la-crescenta-montrose-the-jakarta-globe-axis-capital-group-telecom-purchase-xl-axiata


"In his defense, the article was written by an owner of a small consulting firm and lays out some pretty loose ideas on why big consulting firms are doomed. From what I've seen, they understand this shift and are working to adapt already. I wouldn't especially use the word ""doomed"" either."


while not stated, if you have any debt at all, use the $3000 to pay it off. That's the best investment in the short term. No risk and guaranteed reward. College can invite all sorts of unexpected expenses and opportunities, so stay liquid, protect working capital.


IRS Pub 561 says you have to use fair market value.  You cannot simply use a depreciated value. You should attempt to determine what people normally pay for comparable items, and be prepared to defend your determination with evidence in the event of an audit.


Now, if I wasn't concerned with the integrity of my already tainted soul I would have given myself the following advice five years ago:


The people who bought when interest rates were higher, do they get anything out of it? The present value just went up of their Bonds just went up, but it probably evened out to the 3% they were going to get right? Do they make more money selling the bond now, or holding on to it till maturity in PV terms?


Yeah it just got bumped up to 11.25 and they're going to be increasing it over the next couple of years before capping at 15. Rent is already rising to adjust to this development. Doesn't help that income tax here is insane.


"This is the best tl;dr I could make, [original](http://eh.net/book_reviews/rulers-religion-and-riches-why-the-west-got-rich-and-the-middle-east-did-not/) reduced by 93%. (I'm a bot) ***** > Here is the basic argument: any kind of ruler has power because his or her subjects accept their rule and their main concern is what Rubin calls &quot;Propagating their rule.&quot; How do you get people to accept you as their ruler and let you keep your job? Political power is supported by a combination of coercion and legitimacy.  > Why and how did this matter to economic history? Rubin argues that religious authorities were in general conservative, and that the institutions they established are less aligned with commerce and finance than when an economically important elite such as rich urban merchants and artisans are more powerful.  > As a result of their political influence, religious authorities in the Middle East were successful in blocking critical breakthroughs, most notably the printing press and more sophisticated financial institutions.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6kt8n1/rulers_religion_and_riches_why_the_west_got_rich/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~157447 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Rubin**^#1 **rule**^#2 **religious**^#3 **religion**^#4 **economic**^#5"


I think you are asking quite a few questions here;   If you have Rs 10000, its better you get it converted in India before you leave. Most Banks and Exchange houses like Western Union would take Rupees and Give you USD. What do they do with USD, there are other who give them USD and need Rupees. They make a spread in this process.   If you are getting a salary in USD in US, whenever you want to transfer money to India, the Banks or Remittance services like Western Union would take USD from your US Account and Transfter equivalent Money into your Bank Account in India in Rupees. They will tell the exchange rate applicable. Depending on why visa type & the duration you are going, your company should be able to tell you your tax liabilities in the US. Read similar questions here to get a general idea.


"Read up on filing an ""amended tax return"".  Essentially you'll fill out the entire return as it should have been originally, then fill out form 1040X stating what has changed (and pay the additional tax due if needed).   According to TurboTax's website, they have partnered with Sprintax for non-resident tax prep.  I am not vouching for the service; just offering it as information."


It's already gone through a big correction, but another crash is a possibility. But if the US economy keeps eroding it's going to become more of a safe haven. Also Goldman Sachs sees it as an investment option, so that's a sign financial houses are interested (and not a good sign for the dollar).


Few people have two eye brows joined in between the gap, just above the nose bridge along the temple line. This generally does not look much attractive and if so wished can be plucked off with a thread.


Right now interest rates are pretty low and as such you won't see blockbuster interest rates in anything highly liquid. That being said you're motivation is liquidity over rate of return anyway so I don't think that is a concern. Money Market funds should give you a similar return to AMEX Personal Savings. Due to their lack of a rate guarantee I wouldn't be surprised if that is simply a branded Money Market account. Your best bet is to look at what rates you can get on any short term security and park your money in the one that best suites your needs and offers the greatest return. Money Markets are simply a great way for you to keep your cash liquid while investing you in a broad range of liquid assets (diversification is key).


"There will not be enough money to fill the holes that are caused by banks' easy money policies combined with the trillions in derivative ""hedges"" that the banks have off-balance sheet.   The idea is that the chain reaction collapse of the European banking system can be avoided by plugging the holes in the dam in Spain, Italy, Greece, Portugal and Ireland. But it is a crazy idea. Next comes France, and then what? At some point there is not enough money to plug the holes and the entire facade collapses anyways.  Adults would dismantle the Eurozone now and let each country see to itself. Let the banks collapse. Capital (in the form of dollars, gold, etc) will reappear and means will evolve rapidly to connect capital with people who need loans for business.   Consumer loans are going the way of the dodo bird."


I don't think you need to be an economist to answer the bell though. Gates is filling his role in that he's not letting the powers at be back down from pledges.   From there though, it tends to get overly political and messy. From Gates's perspective it is probably black and white. Financial traders aren't doing much to engineer a better future directly, so why not tax them and make them contribute more to the world that Gates would like to see. It's not as if these guys are spending their weekends finding ways to get millions of mosquito nets and vaccines to people across the globe so why listen to their political dribble as to why they can't lose a penny on the dollar to create a better world?


The main difference is that the ISA account like a Cash ISA shelters you from TAX - you don't have to worry about Capital Gains TAX. The other account is normal taxable account. With only £500 to invest you will be paying a high % in charges so... To start out I would look at some of the Investment Trust savings schemes  where you can save  a small amount monthly very cost-effectively - save £50 a month for a year to see how you get on. Some Trusts to look at include Wittan, City Of London and Lowland


"**Are you nuts?**  >*""Are you talking about TARP because that was paid back early and at 6.2% interest, the gov't made money on that bailout. The auto bailout however lost the gov't billions at the taxpayers expense and the bondholders got screwed over and the unions made out like bandits. Your title just shows how bias and uneducated you are on the subject. ""*  I'm talking about the GFC/Global Financial Crisis. In 2008.   -------------QUOTED TEXT--------------  http://en.wikipedia.org/wiki/Financial_crisis_of_2007%E2%80%9308  This article is about the financial crisis that peaked in 2008. *For the global recession triggered by the financial crisis, see [Great Recession](http://en.wikipedia.org/wiki/Great_Recession).*  The financial crisis of 2007–2008, also known as the Global Financial Crisis and 2008 financial crisis, is considered by many economists the worst financial crisis since the Great Depression of the 1930s.[1]   It resulted in the threat of total collapse of large financial institutions, the bailout of banks by national governments, and downturns in stock markets around the world. In many areas, the housing market also suffered, resulting in evictions, foreclosures and prolonged unemployment. The crisis played a significant role in the failure of key businesses, declines in consumer wealth estimated in trillions of U.S. dollars, and a downturn in economic activity leading to the 2008–2012 global recession and contributing to the European sovereign-debt crisis.[2][3] The active phase of the crisis, which manifested as a liquidity crisis, can be dated from August 9, 2007, when BNP Paribas terminated withdrawals from three hedge funds citing ""a complete evaporation of liquidity"".[4]  The bursting of the U.S. (United States) housing bubble, which peaked in 2006,[5] caused the values of securities tied to U.S. real estate pricing to plummet, damaging financial institutions globally.[6][7] The financial crisis was triggered by a complex interplay of policies that encouraged home ownership, providing easier access to loans for (lending) borrowers, overvaluation of bundled subprime mortgages based on the theory that housing prices would continue to escalate, questionable trading practices on behalf of both buyers and sellers, compensation structures that prioritize short-term deal flow over long-term value creation, and a lack of adequate capital holdings from banks and insurance companies to back the financial commitments they were making.[8][9][10][11] Questions regarding bank solvency, declines in credit availability and damaged investor confidence had an impact on global stock markets, where securities suffered large losses during 2008 and early 2009. Economies worldwide slowed during this period, as credit tightened and international trade declined.[12] Governments and central banks responded with unprecedented fiscal stimulus, monetary policy expansion and institutional bailouts. In the U.S., Congress passed the American Recovery and Reinvestment Act of 2009.  (continued- thats just the first two paragraphs)"


The interpretation is correct. The Reuters may give you the London 4PM rates if you query after the close for the day. The close rate is treated as the rate.  http://uk.reuters.com/business/currencies/quote?srcAmt=1&srcCurr=GBP&destAmt=&destCurr=USD The London 4PM rate may be obtained from Bank of England at the link below; http://www.bankofengland.co.uk/mfsd/iadb/index.asp?Travel=NIxSTxTIx&levels=1&XNotes=Y&XNotes2=Y&Nodes=X3790X3791X3873X33940&SectionRequired=I&HideNums=-1&ExtraInfo=false&A3836XBMX3790X3791.x=4&A3836XBMX3790X3791.y=3 Or any other Bank that provides such data


"You've laid out a strategy for deciding that the top of the market has passed and then realizing some gains before the market drops too far.  Regardless of whether this strategy is good at accomplishing its goal, it cannot by itself maximize your long-term profits unless you have a similar strategy for deciding that the bottom of the market has passed.  Even if you sell at the perfect time at the top of the market, you can still lose lots of money by buying at the wrong time at the bottom. People have been trying to time the market like this for centuries, and on average it doesn't work out all that much better than just plopping some money into the market each week and letting it sit there for 40 years. So the real question is: what is your investment time horizon?  If you need your money a year from now, well then you shouldn't be in the stock market in the first place.  But if you have to have it in the market, then your plan sounds like a good one to protect yourself from losses. If you don't need your money until 20 years from now, though, then every time you get in and out of the market you're risking sacrificing all your previous ""smart"" gains with one mistimed trade.  Sure, just leaving your money in the market can be psychologically taxing (cf. 2008-2009), but I guarantee that (a) you'll eventually make it all back (cf. 2010-2014) and (b) you won't ""miss the top"" or ""miss the bottom"", since you're not doing any trading."


How can foreign companies open Liaison/Project/Branch office in India?   Foreign company can set up Liaison/ Branch Offces in India after obtaining approval from Reserve Bank of India. Reserve Bank of India has given general permission to foreign companies to establish Project Offces in India subject to certain conditions. A Liaison office can carry on only liaison activities, i.e. it can act as a channel of communication between Head Office abroad and parties in India. It is not allowed to undertake any business activity in India and cannot earn any income in India. Expenses of such offices are to be met entirely through inward remittances of foreign exchange from the Head Office abroad. The role of such office is therefore, limited to collecting information about possible market opportunities and providing information about the Company and its products to the prospective Indian customers. Know More @ M+V


No. There is no incentive for the card issuer to permanently loan you money for free (Even though they make a small amount of money with every transaction). Yes, there are many credit cards that offer introductory 0% APR, often lasting for a year, some even two years. In theory, you could keep applying for new cards with these terms, and continually transfer the balance to the new card (Though you would probably incur a fee for doing so).


Diversifying is the first advice given to beginner in order to avoid big loss. For example in 2014 the company Theranos was really appealing before it fail in 2016. So a beginner could have invest ALL his money and lose it. But if he has deverified he wouldn't lost everything. As an investor goes from beginner to experience some still Diversify and other concentrate. Mostly it depends how much confident you are about an investement. If you have 20 years of experience, now everything about the company and you are sure there will be profit you can concentrate. If you are not 100% sure there will be a profit, it is better to Diversify. Diversifying can also be profitating when you loose money: because you will pay tax when you earn money, if you diversify you can choose to loose money in some stock (usually in december) and in this way cut your taxes.


It depends on the business entity. If the entity is a sole proprietorship or a general partnership, the individual are considered to be the business. There are no shares, and so yes, the owner would have to take on 75% of the expenses. For example, in the event of a lawsuit, if the claimant were awarded $1,000,000, the 75% partner would be personally liable for $750,000. In the event of a corporation, there are shares, so the responsibility is on the management of the company, not the owners, to come up with money for the expenses of the business. That money can come from the business' capital, which is the money owners have put in. Basically, for a corporate entity, the owner is not responsible for 75% of expenses, for a partnership, yes, they are.


They are valid checks, but you're going to get hassled when you try to use them. There's a perception that people using starter checks are more likely to bounce or otherwise be troublesome. When more payments were made with checks, some vendors would not accept checks with low numbers either! Checks are very cheap to get printed these days, save yourself some trouble and get some printed.


OP wants to do something very honourable, applause for that. Being a Greek I have insider knowledge about the impact of various organisations. Fact is, for people from abroad what is the most highly recommended action would be to support organisations of an international network (red cross, doctors w/out borders etc), because the health system is suffering seriously nowadays -or access to it-, and providing redundancy in that respect can certainly make a difference, via global health efforts. The next best thing you can do, to yourself and others, is basically to take a vacation in Greece and visit both a big city (here's where the problems will be visible) and an island (here's where you'll realise that you are in a place of stunning natural beauty). By taking this action you achieve two things: you put the economy in motion - a small vote, yet it counts - and you actually are a first-person observer. Enough is enough with victimisation via the news coming from inside or outside Greece! People need get the whole respective.


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"I'll use similar logic to Dave Ramsey to answer this question because this is a popular question when we're talking about paying off any debt early.  Also, consider this tweet and what it means for student loans - to you, they're debt, to the government, they're assets. If you had no debt at all and enough financial assets to cover the cost, would you borrow money at [interest rate] to obtain a degree?  Put it in the housing way, if you paid off your home, would you pull out an equity loan/line for a purchase when you have enough money in savings?  I can't answer the question for you or anyone else, as you can probably find many people who will see benefits to either. I can tell you two observations I've made about this question (it comes a lot with housing) over time.  First, it tends to come up a lot when stocks are in a bubble to the point where people begin to consider borrowing from 0% interest rate credit cards to buy stocks (or float bills for a while).  How quickly people forget what it feels (and looks like) when you see your financial assets drop 50-60%!  It's not Wall Street that's greedy, it's most average investors.  Second, people asking this question generally overlook the behavior behind the action; as Carnegie said, ""Concentration is the key to wealth"" and concentrating your financial energy on something, instead of throwing it all over the place, can simplify your life.  This is one reason why lottery winners don't keep their winnings: their financial behavior was rotten before winning, and simply getting a lot of money seldom changes behavior.  Even if you get paid a lot or little, that's irrelevant to success because success requires behavior and when you master the behavior everything else (like money, happiness, peace of mind, etc) follows."


For some reason I have a doubt that you have ever payed taxes in california.  Money has been injected into these areas. The fact that they need to be cut should be proof of that. You can't cut money that was never given.


Can I Send the money back to my personal account of my mother/father in India? Why not? A huge number of Indians working in US are sending money to their parents. There may be multiple reasons like paying a mortgage/loan or sister's wedding or any personal reasons. Usually, there may be a reason column when you send money through any Remittance company.  Do I need to pay any tax here in US or my parents back in India? Parents are direct dependents in India. So you can share your money with your dependents. Your parents have to pay tax for whatever they are earning in India based on the tax slab and age they fit in. So you can even give them the power of Attorney to control your properties in India.


"I suppose for the simple minded it is. ""Less taxes = less revenue = oh no, disaster!"". Which may be true for a small state budget that is often strapped for cash and struggling to get by. Cut revenue at the state level and vital programs suffer.   The federal government on the other hand is a behemoth. It has a lot more sources of revenue than states do. It also has more programs and waste that can be cut, before even considering cuts to social services and entitlement programs, like regulatory agencies.  Down vote me all you want but I find it preferable to have tax money in the hands of citizens and businesses rather than the government. The more money you give to government the more they're going to spend."


"I went to a B&N the other day to buy the best selling non-fiction book of all time that was being promoted on the radio/TV/etc.... and of course they were out of it.  When I asked the guy why they wouldn't have the most popular thing at their store (like milk at a grocery store or something). He said, ""Yeah, it's usually in high demand so we don't have it."" Great way to run a company!! Stock your shelves full of the unpopular stuff and never order enough of the HIGHEST SELLING BOOKS OF ALL TIME!  Can't wait for the box stores to go down."


I would like to open a bra shop, since where I live we have Victoria's Secret and nothing else.  I have a name and logo thought out, and always keep an eye out for reasonable locations.  I've talked myself out of moving forward with it, because it seems any time there's talk of a store fancier than a Walmart/Dollar store coming to town, everyone gets on about it being a working class/blue collar town, and how no one can afford x/y/z.  Good bras aren't cheap.  I'd also need to hire staff, because I'm not keen on being that close to people.  I've daydreamed about bars and restaurants, with questionable, kitschy themes.


There's an interview with Andrew Lo on the WSJ that's worth a listen. One idea he touched on briefly is how the rise of index funds may be creating an investor monoculture. If this is the case, then he thinks it could lead to more market volatility. Interesting stuff.  http://www.wsj.com/podcasts/andrew-w-lo-talks-how-to-evolve-with-adaptive-markets/4B141ED2-23EA-409E-BFEE-96791EEB473E.html


Consider inflation. If you invest $10,000 today, you need to make a few hundred dollars interest just to make up for inflation - if there is 3% inflation then a change from $10,000 to $10,300 means you didn't actually make any money.


"OK, reading between the lines here it looks like the services offered by your company are of an ""adult"" (possibly illegal?) nature and that this individual has actually paid you in full for the services rendered up to this point. The wrinkle here is that you say that you've been offered large cash ""gifts"" in return for unspecified future favours, but that your client hasn't provided a real Paypal account to do so. When you pressed him on it, he sent a fake email and invented a ""financial adviser"" to fob you off, then hasn't contacted you  since. It's pretty clear that he hasn't got any intention of making these payments to you. What you're now proposing to do is to use his known banking details to collect money to cover those verbal promises. In pretty much every part of the world, that's a crime. Without a written agreement to use that payment method for those promises, he could easily call the police and have you arrested for theft of funds. The further wrinkle is that his actions (claiming to have made payment via paypal, forged email headers, etc) strongly suggest that this individual is involved in cyber-crime and may well have used a fake bank account to pay for your initial services.  The bottom line here is that you need real legal advice, from an actual lawyer."


It will be painful for the world, but not in the same way that the Western financial crisis of '08 was painful.  This will mostly hurt China, as well as western companies whose marginal revenue and growth is dependent upon Chinese business.


"Here's what I suggest... A few years ago, I got a chunk of change.  Not from an inheritance, but stock options in a company that was taken private.  We'd already been investing by that point.  But what I did: 1.  I took my time. 2.  I set aside a chunk of it (maybe a quarter) for taxes.  you shouldn't have this problem. 3.  I set aside a chunk for home renovations. 4.  I set aside a chunk for kids college fund 5.  I set aside a chunk for paying off the house 6.  I set aside a chunk to spend later 7.  I invested a chunk.  A small chunk directly in single stocks, a small chunk in muni bonds, but most just in Mutual Funds. I'm still spending that ""spend later"" chunk.  It's about 10 years later, and this summer it's home maintenance and a new car...  all, I figure it, coming out of some of that money I'd set aside for ""future spending."""


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I work for an investment group in Central Asia in private equity/project investment. We use SPV and collateralized convertible loans to enter a project, we issue the loan at our own commercial bank. For each industry, the exact mechanisms vary. In most outcomes, we end up in control of some very important part of the business, and even if we have minority shares on paper, no decision is made w/o our approval.  For example, we enter cosntruction projects via aquisiton of land and pledging the land as equity for an SPV, then renting it to the project operator.   Basically, when you enter a business, be in control of the decisions there, or have significant leverage on the operations. Have your own operating professionals to run it. Profit.


"So you're basically saying that average market fluctuations have an affect on individual stocks, because individual stocks are often priced in relation to the growth of the market as a whole?  Also, what kinds of investments would be considered ""risk free"" in this nomenclature?"


Regarding the Summer of 2011 Crisis: There is NO reason that the United States cannot continue borrowing like it is just based on a particular ratio:  Debt to GDP. The Debt to GDP ratio right now is around 100%, or 1:1. This means the US GDP is around $14 Trillion and its debt is also around $14 trillion.  Other countries have higher debt:gdp ratios Japan - for instance - has a debt:gdp ratio of 220% Regarding a selloff of stocks, dollars and bonds: you have to realize that selling pressure on the dollar will make THE PRICE OF EVERYTHING increase. So commodities and stocks will skyrocket proportionally. The stockmarket can selloff faster than the dollar though. And both markets have circuit breakers that can attempt to curb quick selloffs. Effectiveness pending.


Not that I'm a huge expert, but from what I can tell the only ways an attorney can even get a strongly worded letter from the bar are:  - Fuck with a client's money - Embarrass or piss off the judge  Just about everything else seems to be par for the course.


"Let me see if I can restate your question: are speculative investments more volatile (subject to greater spikes and drops in pricing) than are more long-term investments which are defined by the predictability of their dividend returns? The short answer is: yes.  However, where it gets complicated is in deciding whether something is a speculative investment. Take your example of housing.  People who buy a house as an investment either choose to rent it out (so receive ""rent"" as ""dividend"") or live in it (foregoing dividends).  Either way, the scale of the investment is large and this is often the only direct investment that people manage themselves.  For this reason houses are bound up in the sentimental value people attach to a home, the difficulty of uprooting and moving elsewhere in search of cheaper housing or better employment, or the sunk cost of debt that can't be recovered by a fire-sale.  Such inertia can lead to sudden sell-offs as critical inflection points are reached (such as hoped-for economic improvements fail to materialise and cash needs become critical). At different levels that is true of just about every investment. Driving price-volatility is the ease of sale and the trade-offs involved.  A share that offers regular and dependable dividends, even if its absolute value falls, is going to be hung on to more frequently than those shares that suffer a similar decline but only offer a capital gain.  For the latter, the race is on to sell before the drop neutralises any remaining capital gain the investor may have experienced. A house with a good tenant or a share with stable dividends will be kept in preference for the quick cash-return of selling an asset that offers no such ongoing returns. This would result, visually, in more eratic curves for ""speculative"" shares while more stable shares are characterised by periods of stability interspersed with moments of mania. But I have to take your query further, since you provide graphical evidence to support your thesis.  Your charts combine varying time-scales, different sample rates and different scales (one of which is even a log scale).  It becomes impossible to draw any sort of meaningful micro-comparison unless they're all presented using exactly the same criteria."


True, but it's still money that (in theory) could be paid to the employee instead, in the same way that the employer's social security contribution could also be paid to the employee.  Note that I'm not saying that if the law were changed, every employer would suddenly increase wages by _x_ percent; merely that these taxes all fit into wage calculations along with perquisites, salaries, overhead, etc.


You need an accountant and/or a lawyer who is familiar with the US tax code and the rules in South Korea (assuming from your tag). As the interest will be money generated in the US, you could be required to withhold some of the interest and remit it to the IRS (I believe 30% withholding rate). Since South Korea is a treaty country, your friend can complete and sign a form W8-BEN and give it to you, so you may withhold a lower amount. Your friend would need to file a return if too much was withheld. They may also get taxed in South Korea. There are probably rules in South Korea about minimum interest that must be charged, similar to Applicable Federal Rates for the US, so check with your accountant or lawyer for this. If you craft it correctly, you will be able to have a loan as a mortgage (with the house properly secured), which then would allow you to deduct mortgage interest rates from your return. As far as I am aware, there is no maximum amount for loans.


When I was pursuing my Business Degree in Canada we were told the standard notice period is 2 weeks on both sides. This means your employer is required to give you at least two weeks notice and you are required to give it as well. If you violate your notice requirement the employer can sue you for lost revenues and etc. for that time period. The converse side is if your employer failed to provide you with sufficient notice you could sue for lost wages for that time frame as well. I'm sure you can contractually agree to more than the legal minimum of two weeks.


RoyalBank provides a no fee transfer service (no fee in the sense that there is no per transfer fee aside from the spread). There is monthly fee if you keep less than 1500 or so on the american side. http://www.rbcroyalbank.com/usbanking/cross-border-transfer.html


"Well, I understand this forum is about money but I think you would be far better off if you invest the money in your daughters education or something similar that can bring much more significant future gains. I am a big fan of compound interest and investing in stocks but $700 sitting until she's 21 wont grow into a significant amount. When she's 21, what would you ""hope"" she'd spend the money on? something valuable like education right? so why don't you take the first step now so she will get a much bigger return than the monitory value. If I were you I'd invest in a home library or something similar."


The answer lies entirely with how the loan paperwork reads. The way I'd set it up, there's would need to be a large enough downpayment so the bank was willing to offer a loan strictly to the LLC with non-recourse to the members.


What I do in those cases - assuming I like the job - is ask for a review in 3-months. They usually take this to mean I want a raise-review and give me a raise. What I really want to know is how I'm doing. Some managers will only give feedback in a review instead of every day.


And it will fail miserably. Anyone who ever done any groceries knows shoppers dont behave in the way like that in the videos. Its way more chaotic especially around produces section. But sure, it looks nice for a concept video filled with people whom you rarely see at grocery stores.


25 credit-hours=60+ hours of class time    5 classes. 4 hour class sessions (typically, sciences were usually 5) meeting 3 times a week. Two classes was considered full time. Like I said, I finished a four year degree in two. Most of my classmates are just about to graduate and I've been working for two years.


"Well, they can. Up to six years in many countries. There can be consequences. If you went to the dentist three years ago, were happy with the bill and returned every six months, and the dentist informs you that your six $200 bills should have each been $1,200 then it is obvious that you would have looked for another dentist if the first bill had been correct; in that case you have a very good reason to refuse to pay the difference on the other five bills.  (That's if you were not aware that the bill was wrong. If every time he fixed your teeth and the bill says ""examining your teeth"" which you would expect to be a lot cheaper, then maybe you should have known that the bill was wrong. Just an example)."


I would recommend that go through some forums where commodities topics be discussed so that if you have some issues related any point in commodities investment you will easily get your question sort out.


As I recall, the Scottrade minimum is only $500. (By the way, Scottrade has a feature to automatically reinvest any dividends which the securities pay) Once you have an account, you can buy into an index fund.  SPY tracks the S&P 500. It is also currently paying nearly 2% in dividends.  You can shop for other alternatives here: http://seekingalpha.com/insight/etf_hub/etf_guide/selector/article/39431-core-building-blocks-large-mid-small-cap-us-etfs


Well, to get money, you need to leverage your assets.  So your options basically are:  - Asset: Cash.  Well, I figure if you had, you wouldn't have asked how to get more of it, but its always worth mentioning.  Don't forget about cash that can be in tricky places to tap, like 401ks, IRAs, investment accounts, etc.  There is usually some way to get at the cash, but it may not be worth it and you could end up sacrificing long term financial stability if you do.  - Asset: Job Skills and Initiative.  Get a job and and earn the cash.   $2k is not a ton, and if you live frugally you should be able to save it.  There are tons of websites dedicated to living frugally and earning extra cash on the side.   My personal favorite is r/beermoney.   - Asset: Good Credit. Borrow the money from a traditional bank.  Signature loans go up to $35k at most banks, just ask what it would take to qualify.  You could also get a credit card for that amount, and use it to start up the business.    - Asset. Bad Credit.  If you've got bad credit, you can still take out a loan from a place like Prosper or Lending Club or Sofi (these places are handy if you have good credit, too).  Your rates will be much higher, but they will still lend to you.  - Asset: Property.  If you own stuff, you can sell it and get cash.  Clean out your attic (or ask relatives if you can have the stuff in theirs!) and sell it.  If you own fancy stuff, you can borrow against it (home, car, boat, etc.).  - Asset: Your Charm and Winning Smile.  If you have a good, solid business plan (written down and professional looking), ask around and see if you can find an investor.  It could be friends or family, but it could also be someone who is looking to invest.  Be professional, and be sure to draw up the appropriate business docs if you do a partnership or take a private loan.  - Asset: Your Government.  If you live in the US, there are federal programs that offer Small Business Loans.  Check out sba.gov for more info.  You will need a business plan and will have to meet the criteria of the loan or grant.  Not sure if your Ecommerce business will meet the criteria, as the intent of these types of programs are to spur the economy by allowing small business owners to hire workers.  But its worth checking out.


"Another problem with this plan (assuming you get past Rocky's answer somehow) is that you assume that $50K in construction costs will translate to $50K in increased value. That's not always true; the ROI on home improvements is usually a lot less than 100%. You'd also owe more property taxes on your improvements, which would cut into your plan somewhat. But you also can't keep doing this forever. Soon enough, you'd run out of physical and/or legal space to keep adding additions to the house (zoning tends to limit how much you can build, unless you're in the middle of nowhere, and eventually you'd fill the lot), even if you did manage to keep obtaining more and more loans. And you'd quickly reach the point of diminishing returns on your expansions. Many homebuyers might be prepared to pay more for a third or fourth bedroom, but vanishingly few in most markets will pay substantially more for a second billiards room or a third home theater. At some point, your house isn't a mansion, it's ""that ridiculous castle"" only an eccentric would want, and the pool of potential buyers (and the price they'll pay for it) diminishes.  And the lender, not being stupid, isn't going to go on financing your creation of a monstrosity, because they are the ones who will be stuck with the place if you default."


I'm a bond trader and we stayed away from this Tesla deal. Tesla is cash flow negative which is a terrible sign for a bond investor and is still relatively young and changing constantly. When assessing fixed income investments you want steady predictable cash flows and positive credit metrics. Tesla has none of that despite the run up in the stock. Even after taking all of these things into consideration the yields aren't even very high reflecting a compression in the amount of spread to treasuries investors are asking for taking on the risk in this kind of name. It speaks to an overvalued high yield market in general.  Ford on the other hand is a mature business with much more favorable credit metrics (debt interest coverage, consistent management, a credit history of borrowing and repaying their loans, etc.). All of these things are reflected in the yield that investors require when buying bonds.


I think we are arguing the same side of the coin here from different perspectives.    Let me re-phrase what I'm saying here:  I'm arguing that wages should be higher; that business takes advantage of the social safety net to keep wages low, pushing the balance of what they should be paying off to the taxpayer.    I'm not arguing to get rid of the social safety net.  It's there for two reasons:  First, people who have no income (as per your argument).  Second, people who have *insufficient* income.  My argument is meant to address the latter.


I would keep the letter in a file for follow-up, and I would do what you are already planning to do and wait to see what shows up on the credit report. If this does reflect an identity theft attempt, chances are that others will follow, so vigilance is key here. If there is a hard credit check, then you can dispute that on your credit report. If there is not a hard credit check, there is nothing further this credit card company can do to help you anyway.


I think you're missing Simon Moore's point. His point is that, due to low inflation, the returns on almost all asset classes should be less than they have been historically, so we shouldn't rebalance our portfolio or withdraw from the market and hold cash based on the assumption that stocks (or any other asset) seem to be underperforming relative to historical trends.  His last paragraph is written in case someone might misunderstand him, he is not advocating to hold cash, just that investors should not expect as good returns as has happened historically, since those happened in higher inflation environments. To explain: If the inflation rate historically has been 5% and now it's 2%, and the risk-free-market return should be about 2%, then historically the return on a risk-free asset would be 7% (2%+5%), and now it should be expected to be 4% (2%+2%). So, if you have had a portfolio over some time you might be concerned that the rate of return is worsening, but Simon's point is that before you sell off your stocks / switch investment brokers, you should try to figure out if inflation is the cause of the performance loss. On the subject  of cash: cash always loses value over time from inflation, since inflation is a measure of the increase in prices over time-- it's a part of the definition of what inflation is.  That said, cash holdings lose value more slowly when inflation is lower, so they are relatively less worse than before. The future value of cash doesn't go up in low inflation (you'd need deflation for that), it just decreases at a lower rate, that is, it becomes less expensive to hold- but there still is a price. As an addendum, unless a completely new economic paradigm is adopted by world leaders, we will always see cash holdings decrease in value over time, since modern economics holds that deflation is one of the worst things that can happen to an economy.


I started this off as a comment to Joe's answer, but it got rather messy in that form so I'll just post it as a separate answer instead. I suggest that you read Joe's answer first. I believe you are overthinking this. First, you really should be discussing the matter with your girlfriend. We can provide suggestions, but only the two of you can decide what feels right for the two of you. Strangers on the Internet can never have as complete a picture of your financial situations, your plans, and your personalities, as the two of you together. That said, here's a starting point that I would use as input to such a discussion: As you can see, a common theme to all of this is transparency and communication. There is a reason for this: a marriage without proper communication can never work out well in the long term. I don't know about Germany specifically, but disagreements about money tends to be a major reason in couples splitting up. By setting your lives up for transparency in money matters from the beginning, you significantly reduce the risk of this happening to you. Scott Hanselman discusses a very similar way of doing things, but phrases it differently, in Relationship Hacks: An Allowance System for Adults.


"> And what the hell would you use instead of ""going forward""?  ""From now on?""   As in:  ""Going forward, we will only touch base via email, unless we need to take it offline, in which case please reach out and we can do a coffee.""  --- Versus ---  ""Learn to communicate in plain English, you pathetic corporate drone""."


It can be cheaper to have the store order it though. I had to order two large metal cabinets from Home Depot at one point and it would have been about $120 to ship it to me directly. Or ship it to the store 15 minutes away for free.


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...And the US national debt **is** going up, accordingly.  That said, as long as Americans want Korean electronics, *and* we're not selling more to Korea than they are to us, **and** (most importantly) Korea would rather have US dollars than issue more Won...   *Both* sides come out ahead.  Debt isn't necessarily *bad*, it's just a bill you need to remember will come due some day.