You should be able to refinance the vehicle and have the financing in just your name (assuming you can secure the financing). Since you are already on the vehicle registration, this would not constitute a sale, and thus would not incur additional sales tax.  To remove the other person from the vehicle registration, leaving you as the sole registered owner, in the state of New York, you only need to file an MV-82. It will cost you $3. https://dmv.ny.gov/registration/register-vehicle-more-one-owner-or-registrant


">My point was more that I've seen, firsthand, people not take financial responsibility for their dependents or for themselves, and that they can't be trusted in investing in any future.  I agree. The libertarian in me wants to say ""screw them, they had their chance."" The compromising moderate in me wants to say ""lets find a way to replace social security with something better.""  >Given I'm still in great health and in my 20's I probably ought to look into getting more/real Life Insurance, as well.  For as cheap as a 30 year term life insurance policy would be... you might as well do it. 10x your income for the monthly cost of a tank of gas. It's a no-brainer."


"people are willing to pay higher premiums for options when stocks go down. Obviously the time value and intrinsic value and interests rates of the option doesn't change because of this so the miscalculation remainder is priced into the implied volatility part of the formula.  Basically, anything that suggests the stock price will get volatile (sharp moves in either direction) will increase the implied volatility of the option. For instance, around earnings reports, the IV in both calls and puts in the nearest expiration dates are very high. When stocks go down sharply, the volatility is high because some people are buying puts for protection and others are buying calls because they think there will be a rebound move in the other direction. People (the ""sleep-at-night"" investors, not the derivatives traders ;) )  tend to be calm when stocks are going up, and fearful when they are going down. The psychology is important to understand and observe and profit from, not to quantitatively prove. The first paragraph should be your qualitative answer"


"Finding the ""optimal"" solution (and even defining what optimal is) would probably take a lot of searching of all the possible combinations of stocks you could buy, given that you can't buy fractional shares. But I'd guess that a simple ""greedy"" algorithm should get you close enough. For any given portfolio state, look at which stock is furthest below the target size - e.g. in your example, S3 is 3.5% away whereas S1 is only 3.1% away and S2 is over-sized. Then decided to buy one stock of S3, recalculate the current proportions, and repeat until you can't buy more stocks because you've invested all the money. If you have to pay a transaction fee for each kind of stock you purchase you might want to calculate this in larger lot sizes or just avoid making really small purchases."


LIBOR rate swaps are common most among an international bank and a with a branch in another country, so say Company A is located in Kenya and Company B is in the US, A can borrow $100M from the US and B the same from Kenya and agree to swap assuming that A borrowed at a fixed rate of say 5% and B borrowed for say a 6 month LIBOR rate of maybe 4.2% which increases at a rate of say 0.5% above the prior 6 moth libor rate for time t being 5 years.A is the fixed rate payer and B is the floating  rate payer.


it is always fun to giggle at situations like these, and i have seen several myself with elderly lawyers, but really... what does a Navy Admiral need with eMail when they have staff?  you can carry that piece of paper with you, scribble notes on it, wave it around in a subordinate's face for dramatic effect, &tc &tc.    i kinda don't like the idea of an Admiral checking their gmail while trying to run one of those ships.  the fact that they don't know is pretty hilarious, however that knowledge doesn't - i wouldn't think - effect their performance on the job.


I actually have a bit of experience with the supplier side of this. Having worked with other people attempting to get the business launched, I can shed a bit of insight. The primary reason for the pricing is that there simply isn't enough competition to warrant dropping the price any lower than it already is. Large companies such as Hallmark will typically buy card designs at 5% of the card's selling price. With their existing distribution network, this makes bringing in new and varied designs much easier for large companies that are already well established. Having talked with such designers in the past, someone working full time producing designs makes on average 30-60k annually from this, which is worth it to someone who doesn't want to jump through the hoops of actually getting into the business independently. The primary issue stifling competition is actually getting your product into stores. There are topics here that I cannot discuss due to NDA, but I can break down the overall outline for you: You need to start with a large number of designs, with enough variety that companies think could sell well. If you bring a handful of designs with you, no company is going to take your business venture seriously enough. You need to find a company that can stamp out a large production process for you. The company is going to need to be nice enough to take smaller purchase orders on the magnitude of several hundred cards, but also be capable of scaling that production to several hundreds of thousands of cards very quickly. For cards specifically, most companies want you to ship custom racks with your cards. Some companies may provide their own racks for stocking your product, but not all of them will. This will also cost a lot of money up front. You need to find a buyer for a company you want to sell your product to. This is important, and what killed our original business plans. Think Wal-Mart, Target, or even CVS Pharmacy. These big companies are going to have people who's entire job is to buy new products to put on their shelves. This is where networking is key, you need to find people with connections to these buyers if you're not already well established with them. You will also likely fail several times, either getting outright ignored, or through a broker that can't meet expectations. For example, we had a broker that introduced us to a buyer for a large store chain, and after several months of work we found out that this broker was just pulling our strings. Typically a company will want to test your product in a handful of stores to see if it will sell. For example, Target may want to test your product in 100-200 stores over 3 months and expect your product to sell at a minimum rate. Finally, you need to be able to scale your production. Suddenly you'll be asked to go from supplying 100 stores to supplying 1,800 stores with a deadline in 2 weeks. Buyers will even turn you down at this point if they don't think you can meet the production. All of this work takes at least a year, and typically takes several years to go from an initial product to having your product in every store. Without breaking the numbers down too much, we could make a profit of ~$1.60 for every $3 card that sold. That number doesn't cover the cost of racks and other overhead, that's just the per-card profit. Even then, people are more likely to go view the Hallmark or other big-name cards over your offering. Only when another company becomes a big powerhouse to be competitive will these companies be forced to drop their prices.


There is no reason that HFT in itself should be illegal. It provides a significant advantage to companies with access to those automated systems but then, we might as well eschew NASDAQ and go back to the manually traded days of NYSE or ban day trading in favor of long-term investing.  What is problematic is that they place and immediately cancel large number of orders for two reasons - to test the market and to slow down the competition.  A proposed ~~tax~~fee to charge for cancellation of non-executed trades seems like an interesting solution.


Dental implants consist of small titanium posts that are inserted into the jawbone, closely replicating a natural tooth root. This does require a small surgical procedure but there is no need to be concerned as our principal dentist here at Radiance Dentistry is an experienced oral surgeon and prosthodontist. Dr. Mounir Iskandar has received specialized training and has many years’ experience in placing dental implants. He will make sure that every step of your dental implant treatment is meticulously planned, ensuring your dental implant surgery proceeds quickly and smoothly and is ultimately more successful. All the treatment you require can be carried out in our comfortable and well-equipped dental office, from a dental team you will already know and trust.  WHAT IS THE PROCEDURE FOR PLANNING DENTAL IMPLANT SURGERY?  To plan your implant surgery, Dr. Iskandar will take digital dental x-rays and a cone beam CT scan. This scan provides highly detailed 3-D images of your jawbone, allowing Dr. Iskandar to fully assess the condition of your jawbone and to identify all the important structures such as sinus cavities, nerves and blood vessels that must be avoided during surgery. These images will show if you have sufficient bone for implant placement or if you require a bone graft or sinus lift prior to surgery. If you do need a bone graft there is no need to be concerned, as Dr. Iskandar is extremely experienced in using the very latest and most advanced bone grafting techniques. Sometimes if only a tiny amount of bone is required it can be placed at the same time as your dental implant.  COMPUTER-GUIDED DENTAL IMPLANT SURGERY  Once Dr. Iskandar has identified the optimal position for your dental implants, a surgical guide is made that will be used during their placement. This is a highly sophisticated template that will guide the implant placement down to the nearest millimeter. Using computer-guided surgery will ensure your treatment is a complete success, providing you with teeth that not only look wonderful but which are fully functional.  WHAT TO EXPECT DURING IMPLANT SURGERY  We will make sure your dental implant surgery is pain-free by using local anesthesia to numb the area. If you are at all anxious about this treatment, you may wish to consider additional sedation. Dr. Iskandar can provide nitrous oxide or oral sedation to help you relax during surgery. To insert the dental implant, Dr. Iskandar will make a small incision in your gum to expose the jawbone, before placing the dental implant in the position identified by the surgical guide. The area is then stitched and left to heal.  At this stage, Dr. Iskandar may attach what is called a healing cap to the dental implant post. This gently shapes the surrounding gum tissue as it heals, providing improved aesthetics once your tooth is restored. If required, we can then fit a temporary restoration to be worn while your dental implants heal and integrate with your jawbone. There is no need to worry as we will make sure you can eat and speak comfortably during this healing period.  If you only require a single dental implant then surgery is really quite quick. A single dental implant may take as little as an hour to place. Bridges and dentures will require multiple dental implants, so surgery will take a little longer. The time required for your surgery can be discussed during your initial consultation.  OSSEO INTEGRATION  It normally takes 3 to 6 months for a dental implant to fully heal with the surrounding bone during a process called Osseo integration. Your dental implant post will have been specially treated to encourage this process, where new bone cells will grow on and around the post. As they do so, the post gradually fuses with the jawbone, becoming strong and stable and able to support a replacement restoration.  ATTACHING THE ABUTMENT  Once Osseo integration is complete, Dr. Iskandar will remove the healing cap and can attach an abutment to your implant post. There are many different types of abutments that can be used, depending on the final restoration. An abutment will protrude above your gum line and is used to support your crown, bridge or denture. A detailed dental impression is taken of your dental implant and is sent to our dental laboratory. They will custom-make your restoration to our exact prescription, using the highest quality materials to create beautiful teeth that will blend in seamlessly with your smile. Your restoration can then be secured in place at your next visit, completing your treatment and providing you with an aesthetically appealing and fully functional smile.  To find out more about dental implant surgery and how it could help restore your smile, contact Radiance Dentistry to schedule your consultation with Dr. Iskandar today.  About US:  http://radiancedentistry.com/dental-implants/surgery/ - Dr. Iskandar is a certified restorative and cosmetic dentistry specialist and is licensed both as a general dentist and as a Prosthodontist. Dr. Iskandar obtained his DDS degree from Cairo University School Of Dentistry in 1998. Dr Iskandar holds a specialty in Prosthodontics and MSD (Masters of Science in Dentistry) obtained from Indiana University School of Dentistry in 2008. Dr. Iskandar is a Diplomate of international Dental Implants association since 2011.  CONTACT US: Radiance Dentistry Mounir Iskandar 2020 W Rochelle Rd  Irving, TX 75062 Phone : (972) 258-1702


And meanwhile idiots like Lube go around talking about how we're all fucked. I like to do this quick trading in my Roth, where I don't have to even think about paying taxes on short term gains. Most people can afford the Roth. The people who can't do it are usually the people who don't qualify, in other words upper income people who include the 1%!!!


Starve the beast in practical terms means end government. That is really the goal of the right establishment. Without government, there will be no force to regulate or even prosecute the companies and individuals who fund republican elections. That is the endgame.


First, yes, your LLC has to file annual taxes to the US government.  All US companies do, regardless of where their owners live.  Second, you will also probably be liable to personally file a return in the US and unless the US has a tax treaty with India (which I don't believe it does) you may end up paying taxes on your same income to both countries.  Finally, opening a US bank account as a foreign citizen can be very tricky. You need to talk to a US accountant who is familiar with Indian & US laws.


Market value and assessments are two different things. No matter how amical the agreement seems on buying and selling, the future could result in damaged relationships without an absolute sale. I would strongly recommend getting into an agreement to split the purchase of a house as a means to save money. If it's too late, sell immediately.


"I use TIAA-Cref for my 403(b) and Fidelity for my solo 401(k) and IRAs.  I have previously used Vanguard and have also used other discount brokers for my IRA. All of these companies will charge you nothing for an IRA, so there's really no point in comparing cost in that respect.  They are all the ""cheapest"" in this respect. Each one will allow you to purchase their mutual funds and those of their partners for free.  They will charge you some kind of fee to invest in mutual funds of their competitors (like $35 or something).  So the real question is this: which of these institutions offers the best mutual and index funds.  While they are not the worst out there, you will find that TIAA-Cref are dominated by both Vanguard and Fidelity.  The latter two offer far more and larger funds and their funds will always have lower expense ratios than their TIAA-Cref equivalent.  If I could take my money out of TIAA-Cref and put it in Fidelity, I'd do so right now. BTW, you may or may not want to buy individual stocks or ETFs in your account.  Vanguard will let you trade their ETFs for free, and they have lots.  For other ETFs and stocks you will pay $7 or so (depends on your account size).  Fidelity will give you free trades in the many iShares ETFs and charge you $5 for other trades.  TIAA-Cref will not give you any free ETFs and will charge you $8 per trade. Each of these will give you investment advice for free, but that's about what it's worth as well.  The quality of the advice will depend on who picks up the phone, not which institution you use.  I would not make a decision based on this."


"* Claiming something is a simple solution does not make it a simple solution * Taxation is not a simple solution * Taxing HFT is just going to cause the HFT traders to squish around and find loopholes and ways to avoid the letter of the law, making the situation *more complicated* * This will engender *more* legislation, further obfuscating the market, making it even harder to understand exactly what's happening * And on and on the cycle goes, the government with ""simple"" solutions that don't work, and the market responding by squeezing around them somehow  Here's a better way to solve this: ***STOP TRADING ON A MARKET YOU DO NOT TRUST!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!***  Don't ask the government to step in and clean it up. JUST FUCKING STOP USING IT! Make a new exchange, an exchange that *chooses* to not allow HFT, and let the HFT-inclusive markets collapse into a shitpool of cancelled block orders that nobody can use.  *THAT* is the simple solution - let it fall apart on its own. *Let it die a death of natural causes!* But that solution does not empower the government or accord it a ""right"" to tax something, so *that* solution will *never* be discussed, nor implemented."


Generally the fees are anywhere between 0.5 and 2%. Different banks have different fees. Generally these days competition ensures that the fees are nil. It is disappointing that you were misled. File a written/email complaint. Generally the response to such things is good. Home loan insurance is not mandatory by RBI. Quite a few banks ask for it as it's their policy. In the case of SBI it's more about cross selling their products.


Canadian Tire does this now, at least in Vancouver stores. Tells you the aisle number and saved a ton of time. Sure I don't browse the whole store but I still go back to CT for many purchases.


"Your question is listed as ""How to invest 100k"", not how would I find someone without a hidden agenda - so I'll answer that: It depends. I believe the best choices available are essentially as follows: If you are looking to pay for your childrens' college, it might be nice just to put the money in a Roth IRA and have that done right off the bat. If you disciplined enough to keep the money invested in some type of stock indexed fund, that might be good - the stock market has often outperformed almost every other form of investment over the very long haul. But if you could see yourself tapping it for things, then you might not want this. Another option is to put the money against your house. If that doesn't pay it off, refinance the remaining portion into a lower rate for less years. Obviously this knocks down a huge portion of the interest (duh) and gives you a nice cash flow you can use for investing. Also, the money you've put into a primary residence is pretty safe. I believe in some cases, safe even from bankruptcy. But as you've noted, being underwater on the home you are essentially throwing that money away in some way or fashion. And really, all in all, houses are terrible investments. You never really get your money out of your primary home, unless you downsize. The money is essentially ""saved"" without an equity line. This is a good choice if you're not disciplined. Your choice depends on: Of course, you can do any combination of these things and as Dave Ramsey is apt to remind his listeners and callers: you ought to have your emergency fund set before you do any of these things."


"Agreed. More so, the behavior of these organizations in the past probably justifies a cynical reception and the idea that these things are going to be used for purposes beyond the stated.  It also creates a problem of ""you manage what you can measure"". Is physically being at your desk tied to productivity? Better hope so, if you are managing to it, or are you accidentally creating a culture that incentivizes not networking, not having meetings, and not communicating where organizational knowledge decays and vanishes in favor of sitting at your desk on reddit?  You know, in theory."


try to set your patriotism aside for a second and think about the situation they put people in. it's terrible.  you build friendships for 6 years, and that is actually a pretty long time, then they just deport you. how would you feel about that? it sucks. that's why H1b is crap. you might get payed better and maybe you like America better than your own country but after 6 years it's over, for most the dream ends after the time is up.


It is not your brokerage's responsibility to tell you **what** to buy, whether explicitly, or implicitly through their fee structure.  This is **not** an article about Robin Hood.  It's an argument condemning all active investing with repeated mostly-irrelevant mentions of Robin Hood as one of the hundreds of entities that makes that possible.


The thing is, capitalism doesn't care about national interests.  It just cares about making money.  This is why you can't run government like you run a business.  In business, outsourcing, firing people and making those who stay do more work, etc is all good business.


"I think that history shows that it's rarely necessary for violence to lead to social reform. There's always been a tug of war between the upper class and the middle/lower classes. The term ""working class"" was a way to unify middle and lower classes against the wealthy ""idle class."" Unfortunately the wealthy were able to convince many white collar middle class people that they were ""upper middle class"" and that the ""upper middle class"" shares values and goals with the elite. If you look at the numbers this couldn't be more wrong.  By any standard, I am a very fortunate person. I have a six figure income and some assets. However, the truly elite in the US enjoy household wealth and income that DWARF what I make. I pay a much higher percentage of my income to taxes than a person with inherited wealth does. Why is the system this way? It's effectively a barrier - no matter how hard we work or how well we do - we can't break through to the upper class. Instead of a meritocracy we have an aristocracy. This is the great lie at the center of American politics today.  The aristocrats have the many of the best and brightest convinced that we're part of the club when we're really not and never can be. They've turned us against the blue collar workers and the poor, when we should all be together. They've convinced many that people like the current administration trying to create more upward mobility are anti-american, when it's really the aristocracy that violates democratic values of equality and fraternity.  However - we can vote for leaders who might do better. We can peacefully assemble (think OWS). We can go on reddit and share our political and economic opinions. Because of these freedoms, we can safely say violence is a remote last resort.  Nothing is inevitable. Economic growth is really just people finding ways to interact and deliver value to one another. And - ""fortune favors the bold."" I'll stay optimistic and keep making money as well as trying to help my community. I'll bet dollars to donuts change can and will happen  just because enough people will get sick of the Romneys of the world hogging all the wealth and we'll find a political solution.  tl;dr Martin Luther King. Ghandi. Tunisia. We'll work it out like men- with our words."


Who has the throwaway? Does reddit take everything so serious that a throwaway is needed anytime something doesn't go along 100% with popular opinion? Shit, I wasn't even challenging that it's lower.  > The statistics may be rock solid,  Sure, just as any possible hypothesis I could come up, no? John Smith *might* have been right, and the smell coming from my kitchen *might* be the old tuna (I think it's the bananas, though).   Frailties may have been poor wording, but bear with me, it was a sarcastic comment on reddit - the amount of time I spent thinking about word choice was shorter than the amount of time I spent thinking about whether I wanted another cup of coffee (I did, I always do.)  Listen, the whole point of my comment was to be a sarcastic point out that Redditors (read: humans) shouldn't just take things for face value, just because it agrees with what you think. You should still always be diggin'.  It might be 40%, or might be 90%.   Although, personally, I like to be conservative with estimates, so I would have worded this entire title differently, or used 25% with this title, not 40%.  The article clearly says:  > 40% admitted they are generally *wary*  Sure, I'm wary that my second cup of coffee will give me the runs - but it doesn't hold me back.  And   > A quarter said they would rather hire a man to get around issues of maternity leave  So, 25% *might* avoid hiring them, not 40%. I thought 40% seemed a bit high... didn't think that many would put THAT much stock in that one 'metric' of potential hires.


"The bill proposed to ""Under existing law, employers may take tax deductions for the costs associated with moving jobs out of the country. The proposed legislation would have eliminated that, and used the resulting new revenue to fund a 20 percent tax credit for the costs companies run up ""insourcing"" labor back into the U.S."" From http://abcnews.go.com/m/blogEntry?id=16816660 as found by beermethestrength. I will explain this in an example below.   Lets use allen edmonds. I manufacture shoes and sell them in the US. The facts we will assume is Revenue or sales is $100. Manufacturing cost is $50. Tax rate is 10%. Therefore, Profit before tax is $100 -$50 = $50. Tax is $5. Net profit is $45.  However, suppose offshoring to Canada saves money. They say please and thank you at every opportunity and the positive work environment allows them to work faster. Correspondingly to make the same number of shoes our costs has decreased because we pay less for labour. The manufacturing cost decreases to $30. However, we incur costs to move such as severance payments to layoff contracted employees. (I promise to hire you and pay $1 a year for 2 years. I fire you at the end of the first year. To be fair, I pay you $1) However, it can be any legitimate expense under the sun. In this case we suppose this moving cost is $10. Revenue or sales is $100. Manufacturing cost is $30. Moving cost is $10. Tax rate is 10%. Profit before tax is $100 -$40 = $60. Tax is $6. Net profit is $54. Yay more jobs for Canadians.   However, the legislation would have changed this. It would have denied that moving expense if you were moving out of the country. Therefore, we cannot consider $10 worth of expenses for tax purposes. Therefore Revenue or sales is $100. Manufacturing cost is $30. Tax rate is 10%. Profit before tax for tax purposes is $100 - $30 = $70. Tax is $7. Net profit for tax purposes is $63. However, my accounting/net/real profit is $53. I must deduct the $10 associated with moving. The difference between the two scenarios is $1. In general our net profit changes by our moving cost * our tax rate.  There is no tax break associated with moving. In Canadian tax, any business expense in general can be deducted as long as it is legitimate and not specifically denied. I am uncertain but would assume US tax law is similar enough. Moving expenses in general are legitimate and not specifically denied and therefore can be deducted.  Offshoring and onshoring are seen as legitimate business activities as in general companies do things to increase profit. (forget about patriotism for the moment).  The bill was to make offshoring more expensive and therefore fewer companies would find offshoring profitable. However, republicans defeated this bill in congress. Most likely the house  For completeness let us examine what would happen when we onshore (bring jobs from canada to us :( ). In our example, silly unions demand unrealistically high wages and increase our cost of manufacturing to $50 again. We decide to move back to the US because if it is the same everywhere for the sake of silly national pride we move our jobs back to the US. We incur the same moving cost of $10. Therefore we have Revenue or sales is $100. Manufacturing cost is $50. Moving cost of $10. Tax rate is 10%. Profit before tax for tax purposes is $100 - $60 = $40. Tax is $4. However, we are given a 20% tax credit for moving expense. $10 * .2 = 2. The government only assess us tax of 2. Net profit is $38. Tax credits are a one time deal so profit in the future will be $100 -$50 - $5 = $45. Same as the first example.  insourcing = onshoring , outsourcing = offshoring for the purposes of this article. Not quite the same in real life."


Seems like a stupid move to me.  I assume people who don't want to buy a swatch owned brand now won't do so simply because competition is culled.  Movement watches simply aren't necessities but a fashion item much of the time.    It's like a prominent dress manufacturer called, say, Moochi, that owns the supply of thread announcing they will no longer make it available to their competition who then go out of business.  Doesn't mean women will buy more Moochi dresses - some will decide buy just what they need since they Moochi dresses are too plain, and spend more on accessories to stand out.  Worse, they may be leaving open a lucrative parts market where they were still making a little bit on each watch sale.  Perhaps letting a new Chinese start up come in that simply starts supplying and before they know it, start making watches that compete with them.  I think the Japanese steel industry built themselves up this way, after the US steel makers gladly ceded the rebar business to them in pursuit of higher margin business.  Well, the Japanese built on that and started competing on the higher end markets too.


IRR is subjective, if you could provide another metric instead of the IRR; then this would make sense. You can't spend IRR. For example, you purchase a property with a down payment; and the property provides cash-flow; you could show that your internal rate of return is 35%, but your actual rate of importance could be the RoR, or Cap Rate. I feel that IRR is very subjective. IRR is hardly looked at top MBA programs. It's studied, but other metrics are used, such as ROI, ROR, etc. IRR should be a tool that you visually compare to another metric. IRR can be very misleading, for example it's like the cash on cash return on an investment.


"I am not sure about transferwise and how they work, but generally when I had to transfer money across countries, I ended up using a foreign currency/transfer company who needed the destination account details i.e. a GBP account in the UK in your case, and money from the source account. Basically that means your father would need to open an EUR account, probably in an EU country (is this an option?) but may be in the UK is fine too depending on transfer fees. And a GBP account in the UK, perhaps see if there is a better business account than HSBC around, I have used them as well as Santander before. The only FX transaction done in this straightforward set up is the one performed by the specialised company (there are a few) - and their spread (difference between interbank i.e. ""official"" and your price) is likely to be around 1.0 - 1.5%. The other expenses are transfer fees to the FX company account, say a flat fee of $25 for the SWIFT payment. The full amount less the spread above then goes to your UK GBP account. There are still the running costs of both EUR and GBP accounts of course, but here the advice would be just to shop around for offers/free banking periods etc. Point being, given the saving in FX conversion, it might still be a better overall deal than just letting HSBC deal with it all."


Before visiting site, check whois to determine the site's registrar. If it is a GoDaddy site, you could copy the contact information and send the website an email stating that you won't use their site because of their connection to GoDaddy.  Better make coffee first. There are 50,000,000 sites under GoDaddy management.


70 isn't all that bad. And being a fund manager at a top fund is not the highest paying job per se. What's critical is to be a partner, or found your own fund, or have some ownership stake. There are sales people and lawyers who make more than PMs because they own/run the firm.   And I would say it's impossible to do anything in finance anymore without a degree.


The short term loan that accept any credit score is really merchant cash advance. They call it loan because clients do have options to pay as direct deposit but most of the times they would make clients switch to their credit card terminals so they can get percentage of daily sales as payment as well as percentage from their partner credit card company. And that kind of payment (percentage of daily credit card sales) is merchant cash advance.


I suppose it depends on how liquid you need, and if you're willing to put forth any risk whatsoever.  The stock market can be dangerous, but there are strategies out there that will allow you to insure yourself against significant loss, while likely earning you a decent return.  You can buy and sell options along with stocks so that if the stock drops, your loss is limited, and if it goes up or even stays where it's at, you make money (a lot more than 1% annually). Of course there's risk of loss, but if you plan ahead, you can cap that risk wherever you want, maybe 5%, maybe 10%, whatever suits your needs.  And as far as liquidity goes, it should be no more than a week or so to close your positions and get your money if you really need it. But even so, I would only recommend this after putting aside at least a few thousand in a cash account for emergencies.


"You hit the nail on the head in the first paragraph ( the rest was good as well). Most data is garbage, but even a large amount of garbage data can tell you something. I wouldn't touch DRYS with a 9 million foot long poll, but if 9 million people said DRYS was a good buy (or said they were bullish on stock twits, or twitter). Id buy DRYS and sell it by the end of the day. People are stupid, there's no argument there, but if 9 million idiots are gonna be buying a shitty stock, I'm gonna join them, let the price get driven up based on nothing but hive mind idiocy, then drop it before they all realize they've been fooled by their own ignorance.   AMD has been hilarious. I've been holding AMD since 2013, any tech geek would know AMD was a great buy back then. Now all I see are posts about ""Why did AMD go up today?"" or ""Will AMD hit 100 dollars a share by the end of the year"" or something equally ludicrous. People don't want to read. They just want to spew nonsense and be spoon fed the information (by those who are spewing nonsense)"


I have read his book(s) as well and agree with his message of identifying poor financial patterns and correcting them.  However, I don't recall the chapter about corporate bankruptcy strategies and defensive financial moves which make you impervious to lawsuits.    Maybe I glossed over that part.


Why not 180 weeks then? Being able to get cash without having to work for it changes the human psyche regarding the necessity of work. At the end if the 99 weeks, a lot of people resent having to work again, which translates into an overall lesser quality labor pool. I'm not arguing for no unemployment, but 99 weeks is extreme. No one is actively job searching that long.


"I've taken Calculus I-III, ODEs, Linear Algebra, PDEs and a few numerical methods classes.  No back ground in statistics.  I ""speak"" Python, Matlab, and some C++.  Is this enough formal background to self-educate?  Also, wouldn't it make the most sense to write things in C++ or a lower level language?  Seems like speed of algorithms would be of utmost importance here."


Is that what you believe people's choices are in this system? Work for nothing or someone will kill you? The average person here has achieved a higher quality of life because of free market capitalism. Venezuela was starting to move in that direction, until they nationalized everything. Now people have to kill dogs in the street for food. Sounds great...


I remember seeing a post forever ago about how millionaires arent investing and someone (a millionaire themselves) claimed it was because of the current economic/political climate made them unsure which then provoked this other person (assuming a millionaire) to come in and respond to them, talking about how Trump was going to cut taxes, concerns over student loan defaults were overblown, etc etc (basically saying to invest because it's going to be alright)  None the less that stuck with me for some reason so it's interesting to see how it's all going to turn out because it's clear the millionaires aren't unified on what the future has in store and I take that more as a sign for troubled waters ahead than anything else


I've had many home loans, and all have been sold to a big bank.  They have certain rules about how much insurance you need to have, but I've never had one buy insurance on my behalf - they always send letters telling me I need to increase the insurance.  They do say that if I don't get enough insurance, they will do it for me, but this has never been necessary.


1.  it's easy to make a 1000+ powerpoint when every other slide has just one word.    2.  the goal of powerpoint is to simplify -- not drag-out to 1000's of clicks.  still... props for selling his company -- that's quite an accomplishment in an of itself.


"Money is a commodity like any other, and loans are a way to ""buy"" money. Like any other financial decision, you need to weigh the costs against the benefits. To me, I'm happy to take advantage of a 0% for six months or a modest 5-6% rate to make ""capital"" purchases of stuff, especially for major purchases. For example, I took out a 5.5% loan to put a roof on my home a few years ago, although I had the money to make the purchase.  Why did I borrow? Selling assets to buy the roof would require me to sell investments, pay taxes and spend a bunch of time computing them. I don't believe in borrowing money to invest, as I don't have enough borrowing capacity for it to me worth the risk. Feels too much like gambling vs. investing from my point of view."


More infomation is needed for any meaningful discussion about this.  I just assume you want to buy in China mainland, not Hongkong or other places. That depends on where you want to buy the flat.  Which city, which district of the city, which community, which school district, how old is the building?  Furthermore, always bearing in mind that you don't own the land when you buy a flat in China mainland.  The land is always state-owned, you are renting the land. Someone will say that the real property market in China is always in a bubble, but because the ownership of the land is different from countries like US and other things like one-child policy, things are not that easy to tell.   But if you don't live in China now and you don't have clients ready to rent from you, I don't think it is a good choice right now to buy one just for investment.


Such funds are handed over to the state. In NE, like in many states, there is a government website where you can search by your name, find them, and claim them (with proof of your identity, etc.): https://treasurer.nebraska.gov/up/ For sure, the bank cannot just take the money. It is sitting somewhere, the bank just closed the account, meaning they are technically not managing your money anymore.


Welcome to Disco Henry. We are a DJ service provider company, which is located in England, United Kingdom. We provide the best  DJ in Northampton from previous many years. We have best Dj professional, which specializes in Kids Party DJ, Events Photography, Party Photography, Mobile DJ, Local Wedding DJ and much more. If you want Professional DJ in Northampton, you can contact us at our office.


>And where pray tell would all the cash come from?  Tax rich people and corporations  >Surely you can't be stupid enough to think that money created endlessly as needed  I didn't say that.  You did.  You fucking stupid internet-libertarian.  Great strawman btw.  >Government employees, including legislators and professional politicians, should not receive special benefits merely because they happen to be bureaucratic leeches on the public teat.  See my previous comment.  But anyway you go ahead and pretend that making other people's existence shittier will help you.  I'm sure you're a self-made billionaire that's never required anything from anyone.  lol.  Just kidding.  Like every other piece of shit that subscribes to this subreddit I'm sure you're posting from your mom's basement right.  Hey do her and us a favor and kill yourself already.  tia.


Planes may be mostly flying themselves but there are still pilots up there as systems monitors and they still have the overall responsibility for the safe operation of the aircraft.   I think all you and I are really debating here is the timeline.  take care, enjoyed our conversation.


IRS Publication 529 is the go-to document.  Without being a tax professional, I'd say if the dues and subscriptions help you in the running of your business, then they're deductible. You're on your own if you take my advice (or don't). ;)


"The idea that individuals control the housing prices through supply and demand is HILARIOUS! That's like saying prisoners control the quality of their food.  Somehow blaming banks and real estate agents is going to hurt you and make you a victim? That's not fear mongering at all, clearly everything was so very plainly laid out for every buyer in the entire US that all they had to do was sign a single piece of paper that was written in plain English and of course they were never told anything like ""just a formality"" or ""just paperwork"" and ALL of them were smart enough to read through the work anyway and of course the bank associates were nice enough to reject a loan if they thought the people didn't understand the terms properly and....(etc. etc. etc.)  TL;DR Good job shifting the blame, surely your well reasoned arguments with summarized backings will get people on your side!"


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The device in question, in this instance is parts for a PC. To build the PC you would need the additional parts ordered from New Egg. So anything gotten immediately from Best Buy would have no benefit insofar as timing.  Purchasing items (most likely) made in foreign countries from a multinational conglomerate not based locally paying low wages which contributes to the bankruptcy of actual mom&pop stores supports the local economy how?


"Others have given some good answers. I'd just like to chime in with one more option: treasury I-series bonds. They're linked to an inflation component, so they won't lose value (in theory). You can file tax returns for your children ""paying"" taxes (usually 0) on the interest while they're minors, so they appreciate tax-free until they're 18. Some of my relatives have given my children money, and I've invested it this way. Alternatively, you can buy the I-bonds in your own name. Then if you cash them out for your kids' education, the interest is tax-free; but if you cash them out for your own use, you do have to pay taxes on the interest."


Amazon hasn't done anything that hasn't been done in the entire retail industry for like a century. You can think Jeff Sessions is a piece of shit and still think that he shouldn't be fired.  Nuanced opinions are possible. Not everything is black and white.


"i have to disagree about the "" the literal secret - the special alloy of copper, tin, and silver that gives the Zildjian cymbals their world-renowned sound.""   It is no secret, the alloy can be determined with these tools.  http://www.niton.com/Niton-Analyzers-Products/Which-XRF-Analyzer-Is-Right-for-Me.aspx?sflang=en&gclid=CPXHwqCdvbACFQdeTAodfwP9Eg"


"This is the best tl;dr I could make, [original](http://www.huffingtonpost.ca/2017/08/11/nuclear-fears-wipe-1-trillion-off-global-stock-markets_a_23074645/?utm_campaign=canada_newsletter) reduced by 85%. (I'm a bot) ***** > Many world stock markets have hit record or multi-year highs in recent weeks, leaving them vulnerable to a sell-off, and the tensions over North Korea have proved the trigger.  > &quot;Of course, it&#039;s all come at a time when share markets are due for a correction, so North Korea has provided a perfect trigger.""  > A Chinese state-run newspaper said on Friday that China should make clear that it will stay neutral if North Korea launches an attack that threatens the United States, but that if the U.S. attacks first and tries to overthrow North Korea&#039;s government, China will prevent it doing so.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6t2oku/nuclear_fears_wipe_1_trillion_off_global_stock/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~188781 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*: **Korea**^#1 **North**^#2 **percent**^#3 **since**^#4 **market**^#5"


Obama hasn't done anything to affect the economy. Not a thing. He came into a shitty economy and left it that way for nearly four long years. I don't blame the whole thing on him, but I want to see his incompetent ass out of the White House yesterday.


"While COBRA premiums are not eligible to be a ""business"" expense they can be a medical expense for personal deduction purposes.  If you're itemizing your deductions you may be able to deduct that way.  However, you will only be able to deduct the portion of the premium that exceeds 10% of your AGI. Are you a full time employee now or are you a 1099 contractor?  Do you have access to your employers health plan?"


Honestly, there's one studio that's releasing a blockbuster with any kind of cadence (Ubi) and they do it by feeding the gaping maw of production with the fresh bodies it craves.  On top of that, because games take so much time to play consumers are much much less tolerant of stale ideas. The pressure to innovate is tremendous. Delivering, say, the video game equivalent of TMNT will not yield profits.


The GnuCash manual has a page with examples of opening new accounts. The tl;dr is: use the Equity:Opening Balance to offset your original amounts. The further explanation from the GnuCash page is: As shown earlier with the Assets:Checking account, the starting   balances in an account are typically assigned to a special account   called Equity:Opening Balance. To start filling in this chart of   account, begin by setting the starting balances for the accounts.   Assume that there is $1000 in the savings account and $500 charged on   the credit card. Open the Assets:Savings account register. Select View from the menu and check to make sure you are in Basic Ledger style. You will   view your transactions in the other modes later, but for now let’s   enter a basic transaction using the basic default style. From the Assets:Savings account register window, enter a basic 2 account transaction to set your starting balance to $1000, transferred   from Equity:Opening Balance. Remember, basic transactions transfer   money from a source account to a destination account. Record the   transaction (press the Enter key, or click on the Enter icon). From the Assets:Checking account register window, enter a basic 2 account transaction to set your starting balance to $1000, transferred   from Equity:Opening Balance. From the Liabilities:Visa account register window, enter a basic 2 account transaction to set your starting balance to $500, transferred   from Equity:Opening Balance. This is done by entering the $500 as a   charge in the Visa account (or decrease in the Opening Balance   account), since it is money you borrowed. Record the transaction   (press the Enter key, or click on the Enter icon). You should now have 3 accounts with opening balances set. Assets:Checking, Assets:Savings, and Liabilities:Visa.


"First of all to answer the basic question ""Is one method correct? Might it depend on local laws?"" Yes it does depend on local laws. Because ultimately the business will have to file forms with the sate/county/city.  These forms are going to ask for the total sales based on the tax category (tax free, x%, y%). Each transaction could have parts that fall into each category. The local taxing authority decides what goes into each category. The local taxing authority also determines how often the business needs to submit the taxes. They can even decide to base the rates used by where the customer lives.  A business is not required to charge directly for sales tax. That is why frequently at sporting events, the price on the menu notes that all sales taxes are included. I suppose not directly charging a sales tax makes the monthly calculation harder, but the state will still get their money. Rounding up at the end of the entire transaction is enough to make sure they collect enough taxes, so they don't have to dip into their profits."


I worked at an Applebees, and this is a good thing. I've never been to a place that treated its workers like this, and I've worked in maybe 10 resturants. We wouldnt clock in til we had our first table, and did our closing side work off the clock so that we could keep our hours down because they would not let you pick up shifts if you were going to get overtime. Because they did want to pay you 3 dollars an hour instead of 2.15 an hour. People were working 50 hour weeks but getting paid for 40 because Applebees couldnt pay hard working people an extra dollar an hour.


The wealthiest man is not the one who has the most, but who needs the least.


"Stock support and resistance levels mean that historically, there was ""heavy"" buying/selling at those levels. This suggests, but does not guarantee, that ""someone"" will buy at ""support"" levels, and ""someone"" will sell at ""resistance levels. Any ""history"" is meaningful, but most analysts will say that after six months to a year, the impact of events declines the further back in time you go. They can be meaningful for periods as short as days."


I know bitcoin. I don't understand ethereum except that the smart contracts bit is an abstraction of the blockchain concept to expand it beyond a mere ledger to a crypto-enhanced trust system that could be the escrow of the financial world.  I still need to read more about it and understand how ICOs are done. I had those sources open already. Some 10 tabs that I still haven't gotten to read in 4 months. Oh well, some incentive to get to it this weekend I guess.


">(a) people who choose not to work, in which case they have no business receiving anything but basic food and shelter from society,  But currently they don't even receive that.  The actual effect of the lack of housing/food and basic-income programs is that the living wage, the minimum necessary wage necessary to make it *worth working*, is much higher than we need it to be if we really want to ""compete"".  >The only reason unemployment is so bad today is because America is losing many jobs to technology and globalization and not finding ways to compete and our work force can't handle many of the new jobs anyways.   The systematic transfer of wealth from labor to capital nowadays plays no part?  Come on!"


If your budget allows for it, max out both plans!  However, in my opinion, you're on the right path: The advantage of also contributing to the Roth 401(k) in this case would be: This second point is the main reason that you should also invest in a 401(k), using that as a retirement savings vehicle alongside your Roth IRA. One caveat is that you should ensure that you'll have sufficient savings so that you won't need to dip into either plan - it'd be a shame to reduce the investment base from which you can grow your savings tax free. Personally, I'd view my contributions in the Roth IRA as an emergency fund to be used only in the direst circumstances.


They're taking a picture on the floor, not their feet. Just taking it of the plain tile isn't interesting and you can't even tell it's a floor. The feet make the composition more interesting. Also these people dont realize 50 other people took the same photo.


Did you go to bschool? You actually do learn a lot. There are a lot of things that I do know that some of my fellow BA's in Business don't know. (business plan writing, how to properly read a financial statement, promotional strategy creation). Also, I got hooked up with a really cool internship that got me in front of some big VC's. There is value, is it worth the results? No.   But let's be honest here, neither is law school (unless you go to a T14). Have you seen the job market? Brutal.


"For the vast majority, ""buying"" a house via a mortgage is not an investment.  I use quotes around buying because from a technical perspective you don't own anything until you've paid it off; this is often an important point that people forget. It's highly unlikely you'll make more on it than the amount you put into it (interest, repairs, etc).  Even with relatively low interest rates. The people who successfully invest in homes are those that use actual cash (not borrowed) to buy a home at well below market value.  They then clean it up and make enough repairs to make it marketable and sell it shortly there after.  Sometimes these people get hosed if the housing market tumbles to the point that the home is now worth less than the amount they put into it.  This is especially problematic if they used bank loans to get the process going.  They were actually the hardest hit when the housing bubble popped several years ago.  Well, them and the people who bought on interest only loans or had balloon payments. Whereas the people who use a mortgage are essentially treating it like a bank account with a negative interest rate.  For example, $180k loan on a 30 yr fixed at 4% will mean a total payout of around $310k, excluding normal repairs like roofs, carpet, etc.  Due to how mortgage's work, most of the interest is collected during the first half of the loan period.  So selling it within 2 to 5 years is usually problematic unless the local housing market has really skyrocketed. Housing markets move up and down all the time due to a hundred different things completely out of your control.  It might be a regional depression, weather events, failed large businesses, failed city/local governments, etc.  It could go up because businesses moved in, a new highway is built, state/local taxes decline, etc. My point is, homes are not long term investments.  They can be short term ones, but only in limited circumstances and there is a high degree of risk involved.  So don't let that be a driving point of your decision. Instead you need to focus on other factors.  Such as: what is really going on with the house you are currently in?  Why would they lose it?  Can you help out, and, should you help out?  If things are precarious, it might make more sense to sell that home now and everyone move into separate locations, possibly different rentals or apartments.  If they are foreclosed on then they will be in a world of financial hurt for a long time. If we ignore your parents situation, then one piece of advice I would give you is this: Rent the cheapest apartment you can find that is still a ""safe"" place to live in.  Put every dollar you can into some type of savings/investment that will actually grow.  Stay there for 5+ years, then go pay cash for a nice home.  Making $75k a year while single means that you don't need much to live on.  In other words, live extremely cheap now so you can enjoy a fantastic living experience later that is free from financial fear.  You should be able to put $30k+ per year aside going this route. edit: A bit of support data for those that somehow think buying a home on a mortgage is somehow a good investment:   Robert Shiller, who won a Nobel prize in economics and who predicted the bursting of the housing bubble, has shown that a house is not a good investment.  Why?  First, home prices (adjusted for inflation) have been virtually unchanged for the past 100 years.  (link 1, link 2)  Second, after you add in the costs of maintenance alone then those costs plus what you've paid for the home will exceed what you get out of it.  Adding in the cost of a mortgage could easily double or even triple the price you paid which makes things even worse.  Maintenance costs include things like a new roof, carpet/flooring, water heater, appliances, etc. Yes, a home might cost you $100k and you might sell it for $200k after 15 years.  However during that time you'll likely replace the roof ($10k to $20k), replace appliances ($2k to $5k), water heater ($1k), carpet/flooring ($5k to $20k), paint ($3k to $6k), and mortgage related costs (~$60k - assuming 30 yr fixed @4%).  So your ""costs"" are between $180k and $200k just on those items.  There are many more that could easily escalate the costs further.  Like a fence ($5k+), air conditioner ($5k+), windows, etc. The above is assuming the home actually appreciates in value faster than inflation: which they historically haven't over the long term.   So you have to consider all of the costs ultimately paid to purchase and maintain the home vs the costs of renting during the same time period.   Point is: do your research and be realistic about it.  Buying a home is a huge financial risk."


It depends completely on the nature of the takeover. When a business is bought, the new owner takes on the obligations of the prior owner, the debts don't just go away. When a business files for bankruptcy, its debts may get discharged, and gift card holders can easily be the first ones to get nothing back. A case in point was Sharper Image who stopped honoring gift cards even while the doors were open as they filed for bankruptcy.


Make sure to get a Homestead Exemption if your state has one. This can keep your taxes from rising quite as steeply, and in some cases the county assessment office can get you a retroactive refund when your application is approved.  Also, if you really think you're paying too high based on home resale values around you, most county assessors will also let you dispute your valuation. A higher value is great if you intend to sell, not so good if you're staying long term. Kind of like the difference between trading bonds and investing in them.  Also, as I think one of the other posters pointed out, you can usually make extra small payments and direct them to escrow or to principal.


"Yes, it can be a good idea to close unused credit cards.  I am going to give some reasons why it can be a good idea to close unused accounts, and then I will talk about why it is NOT necessarily a bad idea. Why it can be a good idea to close unused accounts ""I'd like to close the cards.""  That is reason enough.   Simplifying your financial life is a good thing.  Fewer accounts let you focus your energy on the accounts that you actually use. Unused accounts still need to be monitored for fraud. You mentioned that you have high credit card balances that you are carrying.  This may indicate that you have trouble using credit responsibly, and having more credit available to you might be a temptation for you. If these unused cards have annual fees, keeping them open will cost money. Unused cards sometimes get closed by the bank due to inactivity.  As a result, the advice often given is that, in addition to not closing them, you are supposed to charge something to it every month.  This, of course, takes more of your time and energy to worry about, as well as giving you another monthly bill to pay. Why it is NOT necessarily a bad idea to close unused accounts Other answers will tell you that it may hurt your credit score for two reasons: it would increase your utilization and lower your average account age.  Before we talk about the validity of these two points, we need to discuss the importance of the credit score. Depending on what your credit score currently is, these actions may have minimal impact on your life.  If you are in the mid 700's or higher, your score is excellent, and closing these cards will likely not impact anything for you in a significant way. If you aren't that high in your score yet, do you have an immediate need for a high score?  Are you planning on getting more credit cards, or take out any more loans?  I would suggest that, since you have credit card debt, you shouldn't be taking out any new loans until you get that cleaned up.  So your score in the mean time is not very important. Are you currently working on eliminating this credit card debt?  If so, your utilization number will improve, even after you close these accounts, when you get those paid off.  Utilization has only a temporary effect on your score; when your utilization improves, your score improves immediately. Your average account age may or may not improve when you close these accounts, depending on how old they are compared to the accounts you are leaving open.  However, the impact of this might not be as much as you think. I realize that this advice is different from other answers, or other things that you may read online.  But in my own life, I do a lot of things that are supposedly bad for the credit score: I only have two credit cards, ages 2.5 and 1.5 years.  (I closed my other cards when I got these.)  My typical monthly utilization is around 25% on these cards, although I pay off the balance in full each month, never paying interest.  I have no car loan anymore, and my mortgage is only 4 months old.  No other debt.  Despite those ""terrible"" credit practices, my credit score is very high. Conclusion Make your payments on time, get out of debt, and your score will be fine.  Don't keep unwanted accounts open just because someone told you that you should."


Sponsorship isn't the problem as much as it is all of the planted articles, astroturfed/shilled discussion and artifical pretending to be organic.  Brands and special interests don't just want to buy commercials and ads, they want you to write an organic seeming article where they are mentioned positively (ahem Elon Musk and Jeff Bezos).


If the savings rate is the same as the loan rate, mathematically it doesn't make any difference whether you pay down the loan more and save less or vice versa. However, if the loan rate is higher than the savings rate it's better to pay it down as fast as possible. The chart below compares paying down the loan and saving equally (the gradual scenario), versus paying down the loan quickly at 2 x $193 and then saving 2 x $193.  The savings rate, for illustration, is 2%. Paying quickly pays down the loan completely by month 51.  On the other hand, in the gradual scheme the loan can't be paid down (with the savings) until month 54, which then leaves 3 months less for saving.  In conclusion, it's better to pay down the higher rate loan first.  Practically speaking, it may be useful to have some savings available.


If you can afford the payments on a 10-year mortgage for a property, that's an indication that it's very affordable.  This assumes that there aren't a ton of hidden costs in this property (which could be why it's going so cheaply). Looking at more expensive houses just because you can afford them is exactly what the lenders want you to do, and it's dangerous.  Resist the temptation.  If you're happy, you're happy.


"Regardless of if the 'higher profits' are create from higher volumes and more workers, the key word there is PROFITS - not 'revenue', not 'income' or any similar word. PROFITS - a word used to describe the amount left AFTER paying expenses - such as the salaries of those additional workers (if any).  The point is, the worker deserve a share of those profits. It is their work that has made them - in addition to the work of the CEO, of course, but still...the CEO could not have created 'better margins' or done 'better deployment of capital' if it were not for the efforts of those workers in the first place.  This is the main problem with the economy right now. No one feels the responsibility to those who have helped them succeed. They keep using a 'slash and burn' financial strategy - slash salaries and benefits and burn up your labor force to extract every dollar you can for the top. The only problem is, now they're running out of things to slash and the workers they've burned have nothing left. And they wonder why the economy is in the crapper.  I keep being reminded of a quote from Ladyhawke as said by the evil bishop:   ""I raise their taxes, only to be told there's nothing left for me to tax. Imagine."""


Bookstores don't need their own warehouses to do that. They just order it from the big suppliers. I can order any book I want to be delivered to the next bookstore, and it will be there the next day at the latest, sometimes even within hours.


Chicken that's been processed to include other ingredients.  For example, we could buy a chicken product, that is partially chicken, and partially not, and use that to make our meatballs. We don't though, so it's made with 100% chicken.   I get how the end result is similar, but it's a separation of processors. Our meatballs include bread crumbs, cream, onions, etc., and are hence not 100% chicken, but our input is chicken (and our product 97.6% chicken).


My thoughts from the top:  1. If you're already long, which not just buy-write? if you want to sit on the portfolio for some time with little rebalancing collecting some option premiums might not be bad?  2. You can replicate this portfolio on a rolling basis through bull spreads, which should hedge (or at least reduce) your theta and give you some of that sweet sweet convexity, however you will need a large enough size to cover your transaction costs.  3. I agree with maximizing mean / lower semi var (most kids max mean/var)) so good move there. However you need estimates of expected return (not easy!) and semi var (easier). Look into using GARCH (or a form of it) on the semi var for a better estimator.  4. Is this an MSR portfolio? How do you determine your weights?  5. In terms of sizing/leverage,  Remember the betting condition that equity needs to be positive for all time. How are you planning to limit your max DD? and how often do you plan on rebalancing/rebetting.


Bank-to-Bank wire transfer would be the best option. Dollar is going up nowadays, so if he brought the money not so long ago he might even earn the cost of the transfers back through the difference of the exchange rates. Re the IRS - they don't care. Same goes to the Israeli Tax Authority. What you and your friend need to show, if asked, is the paper trail. I.e.: if he brought you the $10K in cash - that may be an issue unless he kept all the receipts for getting it. But for such a low amount you can always resort to claiming it is a gift from you, in this case.


Thank you for being polite. To be fair, I suppose if you had a good career path and the industry nose-dived then you could end up working a low wage job even if you had some kills (that, for whatever reason, are no longer in demand).


> But the good news is if they implement their policy unfairly, then they'll get slapped by the invisible hand and go broke  That's completely untrue though.  Companies get away with so many things and they are only given token fines.  Just look at Nestle, BP, Goldman Sachs, HSBC.


My two cents:   I, like many people in finance, got into it for the money. However, I like many other people, found myself liking it for intrinsic reasons once I got into it.   I genuinely enjoy learning about financial theory, economics, understanding how global markets work, following the different story lines for the EU/US/Asian economies, working on financial models, reading the WSJ, keeping up to date on new earning releases, analyzing investments, learning about companies/industries, etc.  But I never would have found out that I liked these things unless I had chosen to study them and the only reason I chose to study them in the first place was because I wanted to make money. I'd take an intro finance class and see if it seems like something that could grow on you.


"And who can afford new high-density apartments? Rich people who run airbnb and rent out at the same crazy prices, foreign rich ""investors"" and large businesses who move into corprorate buildings. For the average joe who suffers the most from real estate bubble, the supposed solution of new motivated construction only becomes a solution after the bubble bursts, when the prices plummet and suddenly there's a lot of cheap but new apartments. Until then, when they actually need a solution there isn't one."


Party bus rentals will give the alternative of satellite TV for your amusement needs. Encompass sound stereo are added to get high caliber in sound. For immovability, class and style, Boulder party buses are outstanding decision and it will give you everlasting voyaging background.


this is a very important step. Sadly most businesses have already deals with Big Banks for salary payments. So much like the ubiquitous IE despite all the alternatives, Big Banks will still have their liquidity and addiction satisfied to continue gambling until someone says enough.


But maybe smaller shops are able to offer something else to differentiate, to make up for their inability to match Amazon's return policy? For example, maybe it lets them charge less or provide custom goods.  Amazon is taking away that avenue for differentiation. I get Amazon's point: they want to provide a consistent experience. But it's pretty convenient in that it hurts smaller sellers more than bigger sellers and Amazon is the biggest seller of all.


The point of derivatives is to get rid of the risk you don't want so you can acquire exposure only to the risk you want. Who wants weather/temperature risk -- speculators. Who doesn't want that risk? Anyone who's core business is adversely affected by bad weather. It's the same reason multinational firms will hedge FX and interest rates. All a speculator is typically doing is taking the other side of the trade based on what they feel is the true price of the risk they are assuming


A VAT means that the cost of goods in your country just went up by that VAT percentage. This would mostly effect how the poor and middle class spend their money which currently is very selective.  Additional economy slow downs can generate another recession.   That's what I understand, anyway. The numbers in this numbers game are very very important and is difficult to generate in theoretics.


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"Do mutual funds edit/censor underperforming investments to make their   returns look better, and if so, is there any way one can figure out if   they are doing it? No, that's not what the quote says. What the quote says is that the funds routinely drop investments that do not bring the expected return, which is true. That's their job, that is what is called ""active management"". Obviously, if you're measuring the fund by their success/failure to beat the market, to beat the market the funds must consistently select over-performers. No-one claims that they only select over-performers, but they select enough of them (or not...) for the average returns to be appealing (or not...) for the investors."


"mcnultysbluecavalier, I just made this account and broke my lurking reddit virginity to give you these upvotes. I'm also an undergrad and in a similar position as Wegener. I graduated this April and have been trying hard to break the industry. However, I've been slowly slipping into given up these past month, but not admitting it: Procrastination, Frustration, and loosing confidence. After reading your comments, it really woke me up. Seriously. ""find that fucking dog"" for some reason hit a chord and I now I cant wait to wake up tomorrow and give it all I got. So just want to say thanks bro and here's an upvote. PS. Check out my new desktop Background: http://imgur.com/zxOoq"


For reporting to the IRS, every bank account has a primary tax ID number associated with it. When there are multiple joint owners, they  (the owners) usually pick a person at random to be the primary, unless there is a large amount of interest involved, in which case I would suggest consulting a tax attorney. As for the online banking, it depends on your institution's software. My institution allows every individual to have a separate ID; if this is important to you (and it would be to me), then look for another bank that offers it.


There's no formula for how much is the ideal amount to spend on entertainment and fun. As JoeTaxpayer says, it's all about balance. Maybe relative costs are different in France than in the US where I live, but here, housing and the things that go with it -- electricity, heat, insurance, maybe a few other miscellaneous items -- are usually a huge portion of a young person's expenses. If you don't mind living with your parents -- and they don't mind having you -- you can save a lot of money. There are lots of things you can do for fun that don't cost a lot of money. If your idea of fun is collecting fancy cars and making round-the-world trips, yes, that can get expensive fast. When I was in my 20s, my entertainment mostly consisted of going to movies, amusement parks, and occasional concerts; and playing computer games. Those aren't super expensive as long as you don't do them every day. And keeping my car running, which saved money over buying a new car. These days I'm in a situation analogous to yours: I'm getting older, and so I'm trying to build up a retirement account so I can retire comfortably. So I have to balance how much I put away for retirement with spending on fun things now. I have certain targets, and so I budget that I will put this amount away for retirement every month, and my spending money is what I have left. I think that's better than, spend whatever I want on fun, and then put what's left toward retirement. The latter plan is probably a fast route to debt.


Markets are definitely not efficient 100% of the time in thousands for ways. For example, why does implied volatility of options spike right before earnings when everyone already know the earnings date? Sentiment can also change in a blink of an eye based on analyst downgrades or a technical sell off. That said, most market inefficiencies are not salable. Its not possible to make a play off a illogical sell-off when your AUM can buy the company many times over.


This is a joke, just like all the other settlements.  What does it mean?  This payment just symbolizes all the money they are letting go of through short sales, etc.  Their just using this payment to cover their losses.  Its not a payment, its an agreement to relieve $16Billion in debts.


Generally just giving a Bank Account Number does not cause damage. It depends on what other information the user has and the country you are in.  Generally Bank take telephone instruction for certain [non-transactional] activities , and they would authenticate you by asking account number, address, date of birth and some additional info. In today's world this info can be pretty easily accessible, for example facebook or a details posted on Jobsites etc. It is best avoided to give the bank account details, unless you are sure of the person.  Typical other misuse is using your bank account to Launder black money. The typical modus is transfer funds to you and then ask you to transfer it elsewhere. At times its also a scam and you loose money as they trick you in sending money before you receive it.


"Short answer: If you bought the car -- as opposed to leasing it -- there is no one to ""turn it in"" to.  The reality of cars and car loans is this: The value of a car tends to fall rapidly the first couple of years, then more slowly after that. Like it might lose $2000 the first year, $1000 the second, $500 the third, etc. What you owe on a loan falls slowly at first, because a lot of your payment is going to interest, but then as time goes on you pay off the loan faster and faster. So you may pay off $1000 the first year, $1100 the second, etc. (I'm just making up numbers, depends on the value of the car, and the term and interest rate of the loan, but that's the general idea.) Combining these two things means that in the first few years after you buy a car, if you had a small or no down payment, you might well owe more on the car than it is worth. That's just how the numbers work out. If you keep the car long enough, eventually you hit a point where it is worth more than you owe. Keep it until you've paid off the loan and you owe $0 but the car is still worth SOMETHING, exactly how much depending on its condition and other factors. If you just use the car and pay off the loan, i.e. if you don't sell the car or refinance the loan or some such, then this doesn't matter very much. You make your loan payments, and you have use of the car. What difference does the book value of the car at any given moment matter to you? If the idea of owing more than the car is worth bothers you in principle, then in the future you could make a larger down payment. Or make extra payments on the loan the first couple of years to knock the principle down faster. That's about the only things you can do. Well, you could buy with cash so you owe zero and the car is always worth more than you owe. But given that you are where you are: If you just keep the car and keep driving it and keep paying the loan, then you are exactly where you thought you would be when you bought the car, right? I mean, the day you bought the car, you presumably weren't thinking that at some future date you could refinance at a lower rate. How would you know? So I think the easy answer is: Don't sweat it. Just enjoy the car and pay your bills."


Like the other answers, I'm not entirely sure the equivalent exists in your country. But in the US there are thrift stores run by charities like GoodWill or the Salvation Army that sell clothes for very little money.  When my wife was in a similar situation very early in her career she learned the trick of driving to thrift stores nearest to the richest neighborhoods in town. She often found high dollar designer clothes that had been worn once (to an event or party) and then donated. Apparently it is quite gauche for the well-to-do to be caught dead in the same outfit twice. It wasn't uncommon for her to find clothes/shoes that retailed for hundreds of dollars for $10 or so.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-06-21/how-just-14-people-make-500-000-tons-of-steel-a-year-in-austria) reduced by 87%. (I'm a bot) ***** > The plant, a two-hour drive southwest of Vienna, will need just 14 employees to make 500,000 tons of robust steel wire a year-vs. as many as 1,000 in a mill with similar capacity built in the 1960s.  > Voestalpine long ago decided it couldn&#039;t compete on bulk steel with titans such as Luxembourg-based ArcelorMittal, Japan&#039;s Nippon Steel, or South Korea&#039;s Posco, let alone hundreds of low-cost Chinese furnaces.  > Over the past 20 years, the number of worker-hours needed to make a ton of steel industrywide has fallen from 700 to 250, as new control processes and innovations such as casting steel closer to the shape of the finished product have improved productivity, according to the World Steel Association.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6irf3i/how_just_14_people_make_500000_tons_of_steel_a/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~149920 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*: **steel**^#1 **Donawitz**^#2 **Voestalpine**^#3 **jobs**^#4 **mill**^#5"


Be it a small mid-size or big business, they want to upload clear, bright, and sharp images of their products on their website or other online platforms to lure customers. Subsequently there is increase the demand of expert Product Photography in LA.


Just because gold performed that well in the past does not mean it will perform that well in the future.  I'm not saying you should or should not buy gold, but the mere fact that it went up a lot recently is not sufficient reason to buy it. Also note that on the house, an investment that accrues continuous interest for 30 years at an annual rate of about 7.7% will multiply by a factor of 10 in 30 years.  That rate is pretty high by today's standards, but it might have been more feasible in the past (I don't know historical interest rates very well).  Yet again note that the fact that houses went up a lot over the last 30 years does not mean they will continue to do so.


I have gotten a letter of credit from my credit union stating the maximum amount I can finance. Of course I don't show  the dealer the letter until after we have finalized the deal. I Then return in 3 business days with a cashiers check for the purchase price.  In one case since the letter was for an amount greater then the purchase price I was able drive the car off the lot without having to make a deposit. In another case they insisted on a $100 deposit before I drove the car off the lot. I have also had them insist on me applying for their in-house loan, which was cancelled when I returned with the cashiers check.  The procedure was similar regardless If I was getting a loan from the credit union, or paying for the car without the use of a loan. The letter didn't say how much was loan, and how much was my money.  Unless you know the exact amount, including all taxes and fees,in advance you can't get a check in advance. If you are using a loan the bank/credit Union will want the car title in their name.


The original contribution of X to Roth IRA in your reasoning is a red herring. It doesn't exist, never happened. You recharacterized it, so what you did in reality is contribute X to Traditional IRA.


"Both names are on the deed, so the property is jointly owned. You're going to need the second person's signature to be able to sell the property. Ideally the way to know ""what happens now"" is to consult the written agreement you made before you purchased the house together. The formula for dividing up assets when dissolving your partnership is whatever you agreed to up front. (Your up-front agreement could have said ""if you move out, you forfeit any claim to the property"".) It sounds like you don't have that, so you'll have to come to some (written) agreement with your partner before you proceed. If you can't come to an agreement, then you'll end up in court, a judge will split up the assets, and the only winners there are the lawyers..."


"a lot of companies will ""class"" their shares and the founders will hold on to the A class shares so that they can distribute more than 50% but still retain the majority of control over company decisions. A lot of this stuff is set out in the underwriting."


Not at all, the *worst case scenario* is that an employer simply doesn't care that you have your CFA. If you have the time and think you can actually accomplish it and it'll make you more of a powerful candidate, it would be worth getting it.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/talkbusiness] [First, Amazon destroyed retail -- now, it's coming for Starbucks | ZDNet](https://www.reddit.com/r/talkbusiness/comments/79uaxa/first_amazon_destroyed_retail_now_its_coming_for/)  &nbsp;*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*


Your question reminds me of a Will Rogers quote: buy some good stock, and hold it till it goes up, then sell it. If it don’t go up, don’t buy it. There's no way to prevent yourself from buying a stock that goes down.  In fact all stocks go down at some times.  The way to protect your long term investment is to diversify, which increases the chances that you have more stocks that go up than go down.  So many advisors will encourage index funds, which have a low cost (which eats away at returns) and low rick (because of diversification).  If you want to experiment with your criteria that's great, and I wish you luck, but  Note that historically, very few managed funds (meaning funds that actively buy and sell stocks based on some set of criteria) outperform the market over long periods.  So don't be afraid of some of your stocks losing - if you diversify enough, then statistically you should have more winners than losers. It's like playing blackjack.  The goal is not to win every hand. The goal is to have more winning hands than losing hands.


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I don't see any trading activity on rough rice options, so I'll just default to gold.  The initial margin on a gold futures contract is $5,940. An option on a gold futures represents 1 contract. The price of an October gold futures call with a strike of $1310 is currently $22.70. Gold spot is currently $1308.20. The October gold futures price is $1307.40. So, yeah, you can buy 1 option to later control 1 futures for $22.70, but the moment you exercise you must have $5,940 in a margin account to actually use the futures contract. You could also sell the option. I don't know how much you're going to enjoy trading options on futures though -- the price of this option just last week ranged from $13.90 to $26, and last month it ranged from $15.40 to $46.90. There's some crazy leverage involved.


"From the perspective of an investor and someone in high-tech during that period, here is my take:  A few high tech companies had made it big (Apple, Microsoft, Dell) and a lot of people were sitting around bemoaning the fact that we all should have realized that computers were going to be huge and invested early in those companies. We all convinced ourselves that we knew it was going to happen (whether we did or not), but for some reason we didn't put our money where our mouth was and now we were grumpy because we could be millionaires already. In the meantime the whole Internet thing transitioned from being something that only nerds and academics used to a new paradigm for computing. Many of us reasoned that we weren't going to be suckers twice and this time we were getting on that boat before it left for money-land.  So it became fashionable to invest in Internet stocks. Everyone was doing it. It was guaranteed to come up in any conversation at parties or with friends at work. So with all this investment money out there for the Internet's ""next big thing"" naturally lots of companies popped up to take advantage of the easy money. It got to the point where brokers and Venture capital firms were beating the bushes LOOKING for companies to throw money at and often they didn't scrutinize these company's business plans very well and/or bought into insane growth projections. Frankly, most of the business plans amounted to ""We may not make any money off our users, but if we get enough people to sign up that HAS to be valuable, right?""  Problem #2 was that most of these companies weren't run by proven business types, but that didn't matter. It worked for those rag-tag kids at Google, Apple and Microsoft right? Well-heeled business types who know how to build a sustainable business model are so gauche in the new ""Internet Economy"".  Also, the implicit agenda of most of these new entrepreneurs is (1) Get enough funding to make the company big enough go public while keeping enough equity to get rich when it does; (2) Buy a Ferrari; (3) Repeat with another company.   Now these investors weren't stupid. They knew what was going on and that most of these Internet companies weren't going to be around in a decade. Everyone was just playing the momentum and planned to get out when they saw ""the signal"" that the whole house of cards was going to fall. At the time we always talked about the fact that these investments were totally playing with monopoly money, but it was addictive. During the peak, at least on paper, my brokerage account was earning more money for me than my day job.  The problem was, that it was all kind of a pyramid scheme. These dot com companies needed a continual supply of new investment because most of them were operating at a loss and some didn't even have a mechanism to make a profit at all, at least not a realistic one. A buddy of mine, for example worked for an IPO bound company that made a freaking web based contact management system. They didn't charge yet, but they would one day turn on the meter and all of those thousands of customers who signed up for a free account would naturally start paying for something the company was actively devaluing by giving it away for free. This company raised more than $100M in venture capital.  So eventually it started to get harder for these companies to continue to raise new money to pay operational costs without showing some kind of ROI. That is, the tried-and-true model for valuing a company started to seep back in and these companies had to admit that the CEO had no clothes. So without money to continue paying for expensive developers and marketing, these companies started to go under. When a few of the big names tumbled, everyone saw that as ""the signal"" and it was a race to the bank. The rest is history."


This is tax fraud, plain and simple. I recently wrote an article The Step Transaction Doctrine, in which I explain that a series of events may each be legal, but aggregate to one transaction and the individual steps are ignored.  In this case, it goes beyond that, by accepting $5/mo you are already outside the tax code. As littleadv noted, you can't work for a legitimate business for free and not expect to have some kind of issue. The $14K/yr gift isn't a bona fide gift, but ties to that work.


Sure did. For starters, it's important to note that many things that people label as public goods are not public goods. Roads and security services are not. Now if you're talking about the air that we breathe and bodies of water, then that is an issue for the legal system. A man could own a section of a river that runs through his property and - assuming that it was a clean river when he took ownership of it - he would have homesteaded the right to have that river be clean. He can only pollute it to the extent that it doesn't hurt others downstream, and he has a legal claim against any who would pollute it from upstream.  > If private roads are so great, why didn't private institutions come up with the national highway system?  If state management of roads is so great, why did they have to steal land from private individuals to create a national highway system? If the benefits were so great, they should have been able to articulate that to the people along said highway and not taken their land by force. To directly answer your question: because the private sector doesn't come up with just anything and everything. It comes up with things that are mutually beneficial.  > Will you trust private security to enforce our laws? How will you privatize the justice system?  It's not a matter of trust since I advocate a system of polycentric law, but I *would* prefer a market based system of law because it would provide more flexibility for consumer preferences and reduce conflict. There are videos that explain [here](https://www.youtube.com/watch?v=A8pcb4xyCic) and [here](https://www.youtube.com/watch?v=jTYkdEU_B4o).  > In your view, what are the benefits of the profit motive behind private prisons?  I actually don't think that a private system of law would have a prison system like we have today. I personally see little use for one at all, but [here](https://www.youtube.com/watch?v=SzYJYSm-MfI) is one theory on the market for a market based system of prisons.


"You could try this experiment: pay for an Ad/banner on Facebook for 1 month. The Ad/banner should link to your ecommerce site. Then see if the Ad/banner does or does not convert into ecommerce orders (""converting"" means that people coming to your eccomerce site from Facebook after having clicked on your Ad/banner really buy something on your site). If it does convert, you will go on paying for Ads/banners and other people will do the same for their sites, so FB might make cash in next years. But if it does NOT convert you and everybody else will soon discover and stop paying for Ads/banners, thus it will be hard for Facebook to make money with Advertising, thus Facebook might be just a big bubble (unless they find other ways of making money). I did the experiment I suggested above and the conversion rate was an absoulte ZERO!!! (Instead Google Adwords converted well for the same site). So IMHO I would stay away from FB. But remember that stock market is emotional (at least on short periods of time), so it might be that even if FB wil never become a cash cow, for the 1st few months people (expecially small investors tempeted by the brand) might go crazy for the stocks and buy buy buy, making the price go up up up. EDIT in reply to some comments below arguing that my answer was boiled down to one single experiment: General Motors said Tuesday that it will stop paid advertising on   Facebook...the social media paid ads simply weren't delivering the   hoped-for buyers... (CNN May/15/2012) A donkey can not fly either when it's me (with a single experiment) trying to make it fly or the entire GM workforce."


Why don't you get a better serving job?  If you have all those years of experience why not bartend at a local or try for PF changs or Cheesecake Factory or something?  I'm not trying to be snarky, I've got 13 years in the trenches myself. I just wouldn't work at a tgichilibees at my age or with my experience unless I was on some real hard times.


Opening capital = opening assests-opening liabilities


No one is arguing communism.  No one wants that.  I find it curious that that is the go-to accusation to anyone who wishes to put an end to the favor-the-wealthy economic policies that we've embraced since the 1980s (trickle-down theory, supply-side theory, Reaganomics).  We need a favor-the-middle class economic policy.  Your taxes and mine will not be affected, only the wealthiest among us will be, the billionaires and multi-millionaires.  What I'm saying is we need a return to the tax rates on the top tax bracket that we had during the 1950s and 1960s, a period shortly after World War II that was America's heyday.  I would hardly call that period in time communist, with McCarthyism and all the anti-communist fervor going around.  It's time to undo Reaganomics and go back to what has worked for our country before.


This is bad statistics. If you look at people who jumped ship, of course you're going to see bigger increases in salary because you're not counting those that looked for a new job and didn't find a better offer. They stayed put.  People are complacent but companies are, too. Employers aren't putting a lot of effort into firing bad employees as soon as they can. So there are employees that aren't jumping ship and could be paid more but there are also employees that should be kicked off the ship and paid less, but aren't.  All that said, staying put is easier than moving and there's a price for it. If you're willing to move around, you might do better. Might not. If you only look around at the ones that did move, of course it's going to look like they did better!


I can't relate in the slightest to your desire to be manipulated more effectively.   And again, your shitty connection is a political problem, not a technological hurdle. You can and should have better pipe. Push for that, instead of asking spambots to spy on your habits more aggressively.


Well, the simple answer is that I reject the assumptions of demand-side economics. I don't believe that the velocity of money matters, because money isn't real. It's just a proxy for actual value which is derived from the subjective perception of people.  The trouble with looking at data is that it's all observational data, not experimental, so a substantial amount of judgement needs to be employed in interpreting causation, and with economics being a politically charged discipline, there's significant risk of bias in making those judgements, particularly if they are being made in an ideologically homogeneous setting (such as much of present-day academia).  I look at economics from a rationalist epistemological lens, rather than an empiricist one, which is why I don't take studies as seriously as some others do.