Go to glassdoor.com & do some research.  “Corrupt Middle Management Not Noticed By Christian Owners ”         Current Employee - Senior Underwriter  in  Cincinnati, OH  Pros  Don't have to do much to get paid. Slackers are rewarded.  Cons   Middle and top management below the owners and their direct reports are corrupt. They violate the rules they make everyone else follow and look to pad their own pockets off of the profits earned by those below them. Notice that ONLY the Interns think this is a great company. Over the past 5 years, with the change in human resources management the company consistently lets go of top knowledge and top performers...who are over the age of 45. Advice to Management  Clean house, starting with top human resources leadership. Those at the top of human resources are incompetent. That's why you pay so much for consultants and nothing changes. Read the reviews - the benefits are not even comparable to what other companies offer. So much money is spent for consultants to do Total Rewards work. Top human resources leadership doesn't respect anyone, including the rest of the C-Suite and the owners themselves. Other executives are called names and their lack of political savvy is commented on in front of staff level employees regularly. They describe themselves as the puppet masters; guess who the puppets are? The owners are too good of a family, have done too much good for Cincinnati and have too good of a company to let these corrupt human resources leaders tarnish their good name and strong business.   Doesn't Recommend   Neutral Outlook   Tl;dr: Looks like interns get paid 15/hour, & it'll be a good intro on how to deal with corrupt, conservative management.


"> They trick people into rigged contracts, which requires paying uber even if you quit. So your time spent making money at another job belongs to uber.  Can you link me to some info on this? This is bizarre.  >What makes it ""sort of"" slavery is the foolishness of entering the contract.  lol"


I just read this: Housing and inflation  Adjusted for inflation the price of a house has increased a miniscule amount. A better investment would be an ETF that buys REIT stocks. You would be investing in real estate but can cash in and walk away at any time.  Here is a list of mREITs: Stockchart of REITs


I admit, in the long term there are a good number of kinks to work out, but in the end I want to see some system where people in general can seize the means to their own well being without stepping on one another.  The management corruptions you talked about is another reason why I prefer Worker-Co-ops to be the optimum form of issuing business, because its not just a few people in charge, it's a whole social group acting in unison.    When you discuss the mom-and-pop store having no suppliers, it would be good to promote some way of each money supply to have a share of each industry within it.  There are always some people in every trade looking for their next job.  They just have to find a supply where there trade is in demand.  The process is self feeding.  Next off, or course the mechanism of the system would work in a way that firm's can't just pay themselves with their own debt, they have to issue it to their creditors first, and even then it's practically impossible to accept your own debt as payment.  You would have to take some from a competitor at best.    What I've been trying to do is find some system where no one institution or no one alliance holds the keys to the definition of value.  If you have five to eight dictators fighting at once as opposed to one financial dictator who can oversee all, like the fed scenario you just described, It's more possible for people who are freer relatively to survive freely between the borders of these spheres of influence, as they can play each dictator off the other.  at least from your dialogue I can see you're one of those who gets what I'm trying to aim for.    Here's another idea I've explored with it, that's similar but may make the environment slightly different, so let me know what you think  what I call the Revolving Tax Window, where the government accepts different bondnotes, both in quantity and specific assortments of notes, in intervals of every business quarter, so that the demand for specific notes changes four times a year.  From January until the end of March they could accept Taxes in notes from Firms A,F,H, and T, and for April into June it could be just B and S, and so on.  The options for note issuing could be set on a list of firms registered with the SEC or whoever.   The combination for the quarter could be picked at random by a randomizing algorithm, so no firm could make a plan to be a market dictator, and a sense of dynamism is maintained in the economy.    Obviously, the more firms are properly registered on this list, the more combinations of monetary combinations you have, and the more power is distributed from too much control by anybody.    What you can do is choose whether or not you want there to be less or more notes in the next quarter, because just like fiscal policy and conventional monetary policy, the extremes have trade offs, but different ones; to few currencies, the economy may be stimulated, but you get market dictators via monetary oligopoly, even if temporary.  Too many, you avoid market dictators who will be more focused on getting a real return by investing in competing ventures based on what will actually return investment, but the economy may not be as stimulated.  What do you think of this structural alternative?  (One of the focal sources I've been building my economic policy on has been *Debt: The First 5,000 Years* by David Graeber, if anyone's familiar.)


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Rio and BHP have staked their investment on a high copper demand worldwide as they approve plans for black hawk mines, blackhawk mines, black hawk mines bulletin, black hawk More Tags by mblackhawk | Saved by 2 users | May 2, 2012  Black Hawk Mining Articles | Preservation and promotion of mining ghost towns.  BLACK HAWK MINES: SMALL TOWN SUFFERS FROM GOLD HEIST Posted on May 2, 2012 by blackhawkmines 2 Votes Decades ago, huge quantities of gold was being pulled from this town, making it one of the richest place in California. But earlier this month, a different incident of obtaining gold nuggets earned black hawk mines, blackhawk mines, black hawk mines bulletin, black hawk More Tags by takkiosawa | Saved by 2 users | May 9, 2012  DSCR reacts to international conspiracy - NBC12.com-Richmond, VA News, Weather, Traffic & Sports  CHESTERFIELD, VA (WWBT) - For the first time, the Commander at the Defense Supply Center of Richmond (DSCR) is speaking out about an international conspiracy that sent a serial fraudster to prison for life. Those involved say the scam could have put our troops in harms way had it not been caught by black hawk mines, blackhawk mines, black hawk mines bulletin, black hawk More Tags by takkiosawa | Saved by 2 users | May 9, 2012  blackhawk mines corp: About Gold  Gold is a dense, soft, shiny metal and the most malleable and ductile metal known. Pure gold has a bright yellow color and luster traditionally considered attractive, which it maintains without oxidizing in air or water. Chemically, gold is a transition metal and a group 11 element. It is one of the black hawk mines, blackhawk mines corp: about gold  by dickwestwood | Saved by 1 users | Feb 15, 2012  Black Hawk Mines Bulletin| About  Black Hawk Mines Bulletin is all for the preservation and promotion of mining ghost towns that are widely being neglected across the world. We support historical sites and promote the rebirth of current mining ghost towns that still have a lot of potential in generating income and historical value. black hawk mines, blackhawk mines, black hawk mines bulletin, black hawk More Tags by mblackhawk | Saved by 1 users | May 2, 2012  Black Hawk Mines Bulletin| Terms and Conditions  Black Hawk Mines Bulletin wants to further the discussion and welcomes your views. Comments on any post must be relevant, respectful of others and suitable for a general audience. Comments should not violate any laws, contain solicitation for services and goods, contain spam, be knowingly false black hawk mines, blackhawk mines, black hawk mines bulletin, black hawk More Tags by mblackhawk | Saved by 1 users | May 2, 2012  Black Hawk Adventures : Military gear exhibit  Defense industry firms are showing off their latest in military equipment in a 2-day Marine West Military Exhibition in Camp Pendleton with thousands of troops in attendance. There were hundreds of military gear and weaponry in exhibit inside the venue — items that can draw the line between life an blackhawk, black hawk, black hawk adventures, black hawk news adventures guide More Tags by kellumdebraz | Saved by 1 users | May 10, 2012  Black Hawk Co. deputies warn of grandparents scam  WATERLOO, Iowa --- The Black Hawk County Sheriff's Office is warning residents after a local woman became the target of a scam. The woman received a call from a female claiming to be her granddaughter. The caller said she was in jail in Mexico and needed $5,500 sent by Visa credit card or money orde blackhawk, black hawk, black hawk adventures, black hawk news adventures guide More Tags by kellumdebraz | Saved by 1 users | May 10, 2012  FDIC Insurance, Fraud Alerts & Safety Tips | Blackhawk Bank | Beloit...blackhawkmines.multiply.com  Clients report that they’ve received an automated call saying their debit card or account has been locked. These calls are not coming from Blackhawk Bank and are phishing attempts! Do not respond by entering your personal information, and monitor your account closely. black hawk mines, black hawk adventures  by carmenfrac | Saved by 1 users | May 10, 2012  Black Hawk Adventures - Black Hawk Adventures Multiply Community  Black Hawk Adventures is the ideal place to go to whether you're planning for a trail hike or just plain camping. We offer lots of information to help you in prepping for the trip and in deciding what essentials to bring with you. black hawk, blackhawk, black hawk mines, black hawk adventures More Tags by carmenfrac | Saved by 1 users | May 10, 2012  Black Hawk Adventures  About Us Black Hawk Adventures is the ideal place to go to whether you’re planning for a trail hike or just plain camping. We offer lots of information to help you in prepping for the trip and in deciding what essentials to bring with you. (Though we’re not going to endorse where to buy your outdoor blackhawk, black hawk, black hawk adventures, black hawk news adventures guide More Tags


"The number one difference is that bank savings accounts, or money market accounts (MMAs allow limited checking--six non-ATM withdrawals per month, max, else possible fees) have FDIC insurance up to $250,000.  However don't put that much in--allow some room for interest, so you never go over the $250,000.  Money Market Mutual Funds do not enjoy FDIC insurance.  There may be some SPIC insurance--generally against brokerage failure though, but its coverage is questionable--search out those details, and if they apply to anything besides actual cash held at the brokerage.  If the money market mutual fund is strictly invested in US Treasury securities (like T-Bills, or other short-term US Treasury instruments), it enjoys the full faith and credit of the US government, FWIW--but many MMMFs invest in corporate instruments.  If the fund has any pricing issues, there might be a delay in getting paid off.  (Extremely unlikely.)      Number two, and more importantly, bank savings accounts (or MMAs) pay way more!  You can get a bit over 1% APY now--many paying 0.90% APY, or higher.  No money market mutual funds are close to that, generally yielding a small fraction of that, almost zero for US Treasury MMM funds.  Sure 1.05% ain't too exciting, but you may as well get the most you can if holding ""cash,"" and fully insured to boot."


Selling one fund and buying another will incur capital gains tax on the sale for the amount of the gain. I'm not aware of any sort of exemption available due to you moving out of the country. However, long-term capital gains for low-tax-bracket taxpayers is 0%. As long as your total income including the gains fits within the 15% regular tax bracket, you don't pay any long-term capital gains. Options for you that I see to avoid taxes are: Note that even if you do sell it all, it's only the amount of gains that would take your income over the 15% normal tax bracket that would be taxed at the long-term rate of 15%, which may not end up being that much of a tax hit. It may be worth calculating just how bad it would be based on your actual income. Also note that all I'm saying here is for US federal income taxes. The state you most recently lived in may still charge taxes if you're still considered a resident there in some fashion, and I don't know if your new home's government may try to take a cut as well.


"> love how you're walking back toward the positions I've taken previously,  I was about to say the same about you, when you agreed that Susan is not good at anything and got her job due to her connections and not because of, or despite of her educational background and degrees.  > you said you would not consider someone with a music or communications undergrad degree for a security position, full stop. Diversity hire?   Yes. I will not hire Music people for Security jobs unless they have proven experience and I would definitely hire former soldiers and IT graduates with zero experience over a music major for a security job, because ""diversity"" is not even a factor and should not be a factor in choosing the best for the job.   > their [HR] role is to hire the best talent and protect the company, not to protect employees,  Correction: HR role and actions is to hire the cheapest employees, even employ freelancers, contractors and outsource. They will never pay for good talent but they sure will offer a fat salary for the cousin of the CEO's tennis trainer.   You are 100% correct when you said that HR does not protect of even on the side of the employee.  P/S: the HR department at my firm is using contractors and temps for various tasks. They have a huge turn over of employees and were rank one of the lowest in the company's ""employee engagement"" survey... like HR department is most companies. What a great image this gives to the rest of the employees in the company."


"Holy fuck, what the fuck are you talking about?   > Walmart operates on a ""just in time"" basis that they operate themselves, with as many walmarts that exist around the country, you can go witness this by yourself, every day of the week 364 days a year.  What does this sentence mean? Is this even English?   If you're saying Wal-Mart is the only company that uses just-in-time logistics, you're cluelessly wrong. It's been pretty standard across many companies for decades.  Amazon, however, has taken logistics to another level of innovation. For example, Amazon's Vendor Flex program takes advantage of its suppliers' warehouses instead of its own.   A supplier like Proctor & Gamble fences off a section of its warehouse for Amazon orders, and Amazon employees fulfill orders straight from that location. This saves time and money for both. P&G doesn't need to ship to an Amazon warehouse, and Amazon doesn't need to store inventory for even a second.  Amazon is the leader in innovations like this, and its willingness to share data and create partnerships with its suppliers has helped its partners find and create efficiencies to pass on to Amazon's customers. For example, suppliers receive real-time data to predict demand, rather than guessing how much product to make for the next bulk order.  Meanwhile, Wal-Mart is doing stuff the old-fashioned way: ordering products from suppliers, moving them to distribution centres and then to stores.  And while Wal-Mart is good at getting stuff into stores, it's hopelessly lost trying figure out [last mile](https://www.datexcorp.com/last-mile-delivery-part-1-omni-channel-retail-affecting-transportation-logistics/) delivery — the final delivery to people's homes.   Wal-Mart's method is to get customers to drive to them, or even to get their [employees to drop off orders on their commutes home](https://www.theguardian.com/business/2017/jun/02/walmart-asking-staff-to-deliver-online-orders-on-their-way-home).  Amazon has that stuff mastered and is getting better all the time.  ----------------  >The only thing Amazon can bring to the equation is a system in which WF suddenly can operate at a loss and Amazon share holders simply don't care, like they haven't cared for the last 20 years amazon has made ""no money"".  Whole Foods has been horribly inefficient, especially with regards to how it works with smaller, local suppliers in many different locations.  Amazon has long figured out how to efficiently get products from many thousands of small suppliers.   ---------  Edit: Get a clue, learn English, and learn how to spell ""blatantly"" before you start criticizing others."


This solution obviously wouldn't work for everyone, and is contingent on the circumstances of your parents' finances with regards to their house, but...  Have you considered buying your parents' house?  This way your parents' desire for you to get a house as an investment would be satisfied, they wouldn't have to worry about losing their home, and you might even be able to work out a financing/rent deal that is beneficial to everyone involved.  There are definitely fewer costs going this route anyway, for instance, your parents won't have any marketing costs associated with selling the house and could pass this savings along to you.  Also, having lived in the house for a large part of your life you will also know what you are getting in to.


It also reduces risk from the bank's eyes. Believe it or not, they do lose out when people don't pay on their mortgages. Take the big 3 (Wells, Chase and BoA). If they have 50 million mortgages between the 3 of them and 20% of people at one point won't be able to pay their mortgage due to loss of income or other factors, this presents a risk factor. Although interest payments are still good, reducing their principal and interest keeps them tied down for additional (or sometimes shorter) time, but now they are more likely to keep getting those payments. That's why credit cards back in 07 and 08 reduced limits for customers. The risk factor is huge now for these financial institutions. Do your research, sometimes a refi isn't the best option. Sometimes it is.


It tells you more about some of the convoluted rules put in place by FDA and ither regulatory agencies. It's next to impossible to introduce a true generic competitor. Really not a issue with the insurer as they must cover stuff only approved via the Fed agencies.


"Google that ""valid for work..."" phrase. You'll find that you have a SSN;  it is valid for many purposes;  it is valid for obtaining work, only when accompanied by DHS authorization. Doesn't anyone know how to use commas anymore?"


What is your goal? I would, under most circumstances, not recommend the Masters. I did it because I studied engineering in undergrad but wanted to transition to finance right away. The reality is that a good undergrad will give you most of the tools you need for success in a junior finance role. The critical piece is networking with professionals and working in the markets to elevate your stance before graduation. I am not an advocate for a lot of investment in education as the payback is less than most alternatives (IB analyst training, CFA, internships, etc.)


"A short-sale seems like an extreme and unethical course to take.  You should read your mortgage documents or work with your attorney to read the mortgage and determine whether it is an ""assumable"" mortgage. If so, you might be able to get the former owner to take over the mortgage."


Credit card merchant fees are $0.15 - $0.40 per transaction plus 1.5-4% of the amount charged. Card issuers are competing to get to be the card in your pocket that you use on a daily basis. If you were a card issuer, wouldn't you like to get 1.5-4% of every transaction I make for the rest of my life? As a side note, ever since I became a business owner and saw how much we are all paying for credit card merchant fees, I've patronized a lot more cash-only businesses. The best ones pass the savings directly on to the consumer.


The NYSE is not the only exchange in the world (or even the only one in the USA). Amazingly, the London stock exchange works on London time, the Shanghai exchange works on Shanghai time and the Australian stock exchange works on Sydney time. In addition futures exchanges work overnight.


Think of it this way, if you traveled back through time one month - with perfect knowledge of AAPL's stock price over that period - which happens to peak viciously then return to its old price at the end of the period - wouldn't you pay more for an American option? Another way to think about options is as an insurance policy.  Wouldn't you pay more for a policy that covered fire and earthquake losses as opposed to just losses from earthquakes? Lastly - and perhaps most directly - one of the more common reasons people exercise (as opposed to sell) an American option before expiration is if an unexpected dividend (larger than remaining time value of the option) was just announced that's going to be paid before the option contract expires.  Because only actual stockholders get the dividends, not options holders.  A holder of an American option has the ability to exercise in time to grab that dividend - a European option holder doesn't have that ability. Less flexibility (what you're paying for really) = lower option premium.


that's just it, though - they are splitting up the 1%! and in most cases, especially vanguard, they are splitting up far less.  ETFs don't have 12b-1 fees. explaining why you're experiencing different returns for ETFs will almost certainly involve something other than their expense. again, this is especially true for vanguard. they have the cheapest ETFs around (though i think schwab beats them on a few now).  i can only guess at the full compensation structure. betterment likely earns money on cash reserves and  securities hypothecation (i guess?). they also charge a small fee from what i understand. finance is very slim these days.  i guess i'm wondering what your ultimate question is. if it's the inter corporate compensation structure, above is my best guess. if it's about performance, then we need to compare the ETFs you are looking at. if it's about the fees on funds, i think we covered that!  as an advisor, it's my experience that very specific inquiries about fees have a deeper concern. people hear a lot about being overcharged so cost is a very standard place for clients to initially look when trying to compare performance of portfolios or securities.


> By the time you're ready to hire, you should be past the point where $100k in sweat equity dribbled out over a four-year vesting period is worth bothering with another shareholder.  Really? Why? Most companies I've talked to need hands on deck from day one.  > People on kickstartr are looking for cash, not cheap labor.  Cheap labour isn't avaliable on kickstarter, that's what Craigslist is for. You need both to get a company off the ground.  > Founders usually lack the former and have plenty of their own time to supply the latter.  But they don't have the skills to cover all their bases. That's why they need cheap labour.


"1$?  No, my SSN is worth way more than that. I've gotten a ""our system has been hacked, your info might be compromised, here's one year protection"" letter 3 times in my life from 3 companies. I'm so thankful I'm lucky I wasn't someone who's info was used for nefarious deeds.  Having personal info like this stolen should have a much more sever penalty.   Try $1,343 per person's info stolen, as that is the average cost to an individual who is a victim of identity theft [as determined by the DOJ in 2014](https://www.csid.com/2016/09/real-cost-identity-theft/).  You lose 143 million people's info to hackers, you bet your ass it's going to cost you. It will cost you $192,049,000,000  Since that would destroy most companies, and identity theft destroys individuals, having the average cost as a penalty would make companies think twice about skipping out on solid infrastructure and protection for their user's data.  I'm currently coding an application with a database that takes user login credentials (including passwords). You bet your ass I'm making sure this ship is secure before I let anyone use it."


Is this really an issue? There are already 3rd party places that will fix iPhones and such. It will void a warranty of course, but if it's under warranty, you'd want to likely go to the Apple stores anyway, no? And for other items, it is just not feasible to repair anyway.


"Neither. Why would you have to classify startups as value or growth?  A startup is its own category.  You can find startups at ""classic"" valuations (price/book...  Etc) that would make investors' eyes water...   But that happens because many startups are early stage and so revenue or book value or other classic valuations don't quite suit."


Cmon we've known for years that this was only a matter of time. We could all probably make a list of the next 2-3 stores online retailers will take down. I'm thinking Staples and Office Max are next in line.   Can't wait for the BB liquidation sales.


"Alternatively you could exercise 12000 shares for $36000 and immediately sell 7200 shares to recover your exercise price. Then you use the remaining 4800 share to pay the exercise price of the remaining 8000 options. Both scenarios are equivalent but may have different fees associated, so it's worth checking the fine print.  Tax wise: The above example is ""cash neutral before taxes"". The taxes associated with these transaction are substantial, so it's highly recommended to talk with a tax adviser. ""cash neutral after taxes"" depends highly on your specific tax situation."


It is totally a demand problem.  Why aren't people buying things in Greece?  Because everyone's poor and there is no demand?  Why are people buying things in Germany?  Because the German Government spent their way out of their recession by spreading money around to the people that needed it.  Why did we get out of the great depression?  Because those without money were given some, which they then spent.  Companies aren't making stuff because no one is buying.  Historically, higher taxes on higher income people and businesses equate with a better economy.  I don't see any data, o. your side, just lots of hand-waving.  http://www.angrybearblog.com/2011/05/optimal-tax-rates-for-generating.html


"Serious answer: This would be a horrible idea for you, so don't do it.  Theoretical answer:  This gets more complicated.  If you are refusing to pay your student loans, this is bad for the economy because you just destroyed the value associated with that payment.  You essentially robbed the person holding the debt (since you promised to pay it off).    However, you also stimulate the economy by buying goods.  I'm just an armchair economist, but I would say that the detriment of not paying your debt is higher than the benefit of paying for the goods.  Now, lets say you never say your not paying of your loans, and instead just pay the minimum payment and buy the goods.  Now you are helping the economy because your debt is still generating money *and* you are injecting real money through your payment.  So you essentially made more money for the economy.  So long as the ""system"" believes you can pay of the debt, the ""system"" is able to hold more money.  This is actually why most credit companies *want* you to pay the minimum balance (that, and the interest earns them far more money than you borrowed)."


Funny most of those states almost half voted blue. Take the bottom quarter of Florida and go to the Middle red states. More democrats than the entire population combined. Empty land my friend no one gives a shit about empty land.


My answer is with respect to the United States. I have no idea about India's regulatory environment. You are opening yourself up to massive liabilities and problems if you deposit their money in your account. I managed investment accounts as a private investment advisor for years (those with less than 15 clients were not required to register) until Dodd-Frank changed the rules. Thus you would have to register as an advisor, probably needing to take the series 65 exam (or qualifying some other way, e.g. getting your CFP/CFA/etc...). I used a discount broker/dealer (Scottrade) as the custodian. Here's how it works: Each client's account was their own account, and I had a master account that allowed me to bill their accounts and manage them.  They signed paperwork making me the advisor on their account.  I had very little accounting to handle (aside from tracking basis for taxed accounts). If you take custody of the money, you'll have regulatory obligations. There are always lots of stories in the financial advisor trade publications about advisors who go to jail for screwing their clients. The most common factor: they took custody of the assets. I understand why you want a single account - you want to ensure that each client gets the same results, right? Does each client want the same results?  Certainly the tax situation for each is different, yes?  Perhaps one has gains and wants to take losses in one year, and the other doesn't. If their accounts are managed separately, one can take losses while the other realizes gains to offset other losses. Financial advisors offer these kinds of accounts as Separately Managed Accounts (SMAs). The advisors on these kinds of accounts are mutual funds managers, and they try to match a target portfolio, but they can do things like realize gains or losses for clients if their tax situation would prefer it. You certainly can't let them put retirement accounts into your single account unless the IRS has you on their list of acceptable custodians. I suggest that you familiarize yourself thoroughly with the regulatory environment that you want to operate under. Then, after examining the pros and cons, you should decide which route you want to take.  I think the most direct and feasible route is to pass the Series 65, register as an investment advisor, and find a custodian who will let you manage the assets as the advisor on the account. Real estate is another matter, you should talk to an attorney, not some random guy on the internet (even if he has an MBA and a BS in Real Estate, which I do). This is very much a state law thing.


If you're talking about the guy I worked for then you're fucking stupid. This guy started off by going door to door and b2b and started his marketing business from scratch, after a couple of other endeavours. If you think this guy earned his bills from his daddy like trump then your nothing but an ignorant fuck by definition. I have more respect for this guy then most people on this planet. If I hadn't had some personal issues I'd still be working for him.


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I agree to an extent. You make good points.  I'm still not at a state where I would trust our incompetent government to efficiency allocate and run a healthcare system sponsored by taxpayers or users. I assume each European nation has its own plan or system. To extrapolate such over a country with a population and sprawl of the U.S. seems much more difficult.  To be honest, I'm at a loss of how to solve the problem. Fighting the population bubble, global sluggishness, corruption, government waste, and populace inequality has really forced me out of politics.   Sorry for the demoralized response, but I cannot say you are right or wrong at this point. And frankly, I'm starting to realize it doesn't matter.


Here's a simple answer: If your debit card has a visa or mc logo, it can be used as a 'credit card'.  In order to do so, you shouldn't enter the pin, instead choose 'credit' and sign for it. Unlike a credit card, you can't spend money you don't have but like a credit card, your purchase is protected by the credit card company (visa/mc) and gives you privileges like zero fraud liability and purchase disputes. http://www.moneycone.com/should-you-sign-for-a-debit-card-purchase-or-use-your-pin/


"But you aren't driving between your two jobs, you're driving for your job. The better analogy would be ""If I didn't buy commercial insurance, but was hiring myself out to do deliveried then my personal insurance better cover me if I hit someone between deliveries"" It doesn't work that way. There is a reason commercial insurance costs a lot more - when your job is to drive, your risk profile increases significantly. There are specific clauses in personal insurance that they aren't going to cover you if something happens while you are using your car for commercial purposes."


We play Cash Flow and Cashflow for Kids by Robert Kiyosaki. Our kids love it.


The market moves faster than ratings agencies.  Everyday the market is trying to figure out the true value of Assets - Liabilities and thus its overall equity value.  The financial crisis illustrated this perfectly when Bear Sterns got stuck in a liquidity trap.  It's MBS(CDO) was still highly rated, likewise its overall credit rating was sound, however in reality the value of assets were much higher due to coming default, credit providers realized assets Bear had posted as collateral were falling in value quickly.  This started the death spiral, or feedback loop in which it isn't clear if the tail wagged the dog or the dog wagged the tail, but as equity value fell Bear could no longer get access to credit markets to fund daily operations, once it got margin called and couldn't pay, it was all over.  When it was sold to JPM, they basically stole the entire company at a fire sale price, everyone knew they were getting a deal, as reflected in the post buyout price jump of JPM stock.    So in a technical sense you are right, they have nothing to do with each other.  But in a practical sense as we see equity value collapse we are approaching bankruptcy, and thus default, and credit ratings should represent likelihood of default so the two should have a positive correlation to one another, assuming equity value is the 'true value'.


"Figure out how much money you earn, what you spend it on, and how that will change when you have kids (will one of you stay at home? if not, how much will daycare cost and how do you finance the first few month when your child is still too young for daycare?) You will usually plan to spend your current Kaltmiete (rent without utilities) on your mortgage (the Darlehen that is secured by your house) - keep in mind though that a house usually has a higher utility cost than an appartment. When you've figured out what you can save/pay towards a house now and how that will change when you have kids, you can go on to the next step. If you don't want to buy now but want to commit to saving up for a house and also want to secure today's really low interest rates, consider getting a ""Bausparvertrag"".  I didn't find a good translation for Bausparvertrag, so here is a short example of how it works: You take a building saving sum (Bausparsumme) of 150000€ with a savings goal (Sparziel) of 50000€ (the savings goal is usually between 20% and 50% of the sum) and then you make monthly payments into the Bausparvertrag until you reach the savings goal at which point you can take out your savings and a loan of 100000 € (or whatever your difference between the Bausparsumme and Sparziel is). If you're living in an expenisve area, you're likely to need more than 150000 but this is just an example. Upsides: Downsides: If you decide to buy sooner, you can also use your Bausparvertrag to refinance later. If you have a decent income and a permanent job, then ask your bank if they would consider financing your house now. To get a sense of what you'll be able to afford, google ""wie viel Haus kann ich mir leisten"" and use a few of the many online calculators. Remember that these websites want to sell you on the idea of buying a house instead of paying rent, so they'll usually overestimate the raise in rents - repeat the calculation with rent raise set to 0% to get a feeling for how much you'll be able to afford in today's money. Also, don't forget that you're planning to get children, so do the calculation with only one income, not two, and add the cost of raising the kids to your calculation. Once you've decided on a property, shop around a bit at different banks to get the best financing. If you decide to buy now (or soon), start looking at houses now - go to model homes (Musterhäuser) to find out what style of house you like - this is useful whether you want to buy an existing house or build a new one. If buying an existing house is an option for you, start visiting houses that are on sale in your area in order to practice what to ask and what to look for. You should have a couple of visits under your belt before you really start looking for the one you want to buy. Once you're getting closer to buying or making a contract with a construction company, consider getting an expert ""Bausachverständiger"". When buying an existing house they can help you estimate the price and also estimate the renovation cost you'll have to factor in for a certain house (new heating, better insulation, ...). When building a new house they can advise you on the contract with the construction company and also examine the construction company's work at each major step (Zwischenabnahme). Source: Own experience."


Основно, ние предоставяме най-добрата банка за захранване и USB флаш устройство. Ако искате да Power банка за мобилни, Тогава можете да дойдете на нашия уеб сайт компания. Много непрекъсваеми токозахранващи устройства са предназначени да тестват своите батерии на всеки 24 часа и ще чуят звукова сигнализация, ако бъде открита неизправност или състояние на батерията. Как работи това е, че тестът натоварва набора от акумулаторни батерии и се наблюдава мониторинг на разреждането. Това е основен тип тест, обаче, и не може да се разчита, за да даде подробности - освен цялостна индикация за състоянието на комплекта батерии. Външните батерии обикновено се уравновесяват, но отделните блокове батерии могат да се повредят по-рано от другите и да не могат да поддържат разумно ниво на зареждане, което може да доведе до пълна загуба на батерията при условия на натоварване и енергийни банкови услуги.


"This is the best tl;dr I could make, [original](https://www.imf.org/external/pubs/ft/fandd/2016/06/ostry.htm) reduced by 95%. (I'm a bot) ***** > Is there really a defensible case for countries like Germany, the United Kingdom, or the United States to pay down the public debt? Two arguments are usually made in support of paying down the debt in countries with ample fiscal space-that is, in countries where there is little real prospect of a fiscal crisis.  > For countries with a strong track record, the benefit of debt reduction, in terms of insurance against a future fiscal crisis, turns out to be remarkably small, even at very high levels of debt to GDP. For example, moving from a debt ratio of 120 percent of GDP to 100 percent of GDP over a few years buys the country very little in terms of reduced crisis risk.  > Faced with a choice between living with the higher debt-allowing the debt ratio to decline organically through growth-or deliberately running budgetary surpluses to reduce the debt, governments with ample fiscal space will do better by living with the debt.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ulozq/imf_on_neoliberal_economics/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~194154 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*: **debt**^#1 **country**^#2 **fiscal**^#3 **growth**^#4 **capital**^#5"


Why does it take two weeks (from ex-date) for dividends to pay out? For logistical and accounting purposes. This article says on the payment date: This date is generally a week or more after the date of record so that the company has sufficient time to ensure that it accurately pays all those who are entitled. It is for the same reasons that there is a often a two-week period between the time an employee submits her time sheet and the employee's pay date. The company needs time to set and send the payment while minimizing accounting errors.


"Do you know even one Muslim person? My money is on no.  You're probably the same guy who will scream bloody murder about the government trying to take your guns, but you completely forget about the ""freedom of religion"" guaranteed by that same document. Then you go around posting retarded bullshit like ""Islam should be illegal"".   Have a great day you racist douchebag. Try not to wander into traffic."


Haven't read this but will, thanks.  I would agree with you that there are certain aspects and forms of private equity that could be considered reprehensible. First, carried interest probably isn't the fairest thing in the world. But that's not going to last much longer. I think you could also argue that SOME hostile takeovers approach the reprehensible. An example off the top of my head would be Carl Icahn and TWA. I would argue on the whole, however, that most hostile takeovers are accretive in the sense that you're taking out management that is either being tremendously negligent, or destroying value all together.   In both of those instances you can make succinct and well thought out arguments. But this isn't what's happening with Bain. On the whole I would disagree and argue that PE backed restructurings are accretive to the economy as a whole.


"I, too, have worked in both small and large companies; I started with the small ones and am currently at a big one. I agree with all of your points about the upside of working for small companies. Some of the upsides I find at the big company where I work are:  - there are people around you that know more than you do. There is a huge opportunity to learn from them, which is a lot harder when you're the lone expert at a 5-person company (you rely on whatever you can scrape up from the internet, etc.). Most people learn faster with good mentoring.  - there is money to spend on things that you need. No raised eyebrows from the CEO when you say that you need a $20 lamp for your desk, or even more serious issues like adequate hardware for what you need to do, getting tools you need, etc. (Less of an issue at a VC-funded startup, until the money starts running low.)  - there are entire teams that help with things like documentation, customer support, sales, tools, and other things, which frees me up to do what I'm good at, which is making software.  I remember reading some advice a while ago that still rings true to me, which is that there isn't a single ""right"" place to work (small/large, etc.); the right thing to do is get experience with a variety of different environments - in the end you'll be stronger for it."


"All cash deals basically mean that the acquiring company isn't going to offer you shares in itself, but only the cash equivalent. Mechanically, the acquiring company will find out who the shareholders are, then use electronic means to send money to the shareholders of the target company through their brokerage accounts (slightly oversimplifying here but it's the essence).  As you've pointed out, using physical cash is impractical - they would have to send these amounts of cash to each shareholder of WFM, who will easily number in the tens or hundreds of thousands.  As for AMZN, how it raises this amount of cash is not addressed when we say the deal is ""all cash"". Essentially, it's AMZN's problem to figure out where to get this cash, be it through internal operations, bank borrowings, or issuing new equity."


I recently made the switch to keeping track of my finance (Because I found an app that does almost everything for me). Before, my situation was fairly simple: I was unable to come up with a clear picture of how much I was spending vs saving (altho I had a rough idea). Now I here is what it changes: What I can do now: Is it useful ? Since I don't actually need to save more than I do (I am already saving 60-75% of my income), 1) isn't important. Since I don't have any visibility on my personal situation within a few years, 2) and 3) are not important. Conclusion: Since I don't actually spend any time building theses informations I am happy to use this app. It's kind of fun. If I did'nt had that tool... It would be a waste of time for me. Depends on your situation ? Nb: the app is Moneytree. Works only in Japan.


There is an approach which suggests that each weekend you should review your positions as if they were stocks to be considered for purchase on Monday. I can't offer advice on picking stocks, but it's fair to say that you need to determine if the criteria you used to buy it the first time is still valid. I own a stock trading at over $300, purchased for $5. Its P/E is still reasonable as the darn E just keeps rising.  Unless your criteria is to simply grab small gains, which in my opinion is a losing strategy, an 8% move up would never be a reason to sell, in and of itself. Doing so strikes me as day trading, which I advise againgst.


"We'll, he provides some figures on the burden on lower income households.  It kind of makes sense.  Even if both middle class households and lower income households consume the same relative amounts of ""sinful"" goods, there will likely be a higher burden on the poor.  It's exasperated by the high tax rate on those goods. The only way to remove that higher burden is for the poor to ""consume less vice"" than the affluent.  That's an awkward position to hold.  It doesn't make sin taxes bad public policy.  They're an effective tax strategy that can be dedicated to helping provide other necessary social services.  But, they can be regressive and push other values at the same time."


"I don't think they ""actually"" turned a profit, did they?  As I understand it, this is an accounting method/trick, it's not as if they generated more income by using this system.  They just made their monetary value visible rather than implicit.  Which is not the same as turning a profit... or am I missing something?"


"Additionally, the original commenter I was responding to was making an argument that ""they don't make money therefore they're a failure"", which isn't a bad argument to make if you're talking about *revenue*.  Companies that make no revenue are generally considered to be failures, so in that context, he would be correct to say ""they're a failure because they make no money"", and you wouldn't really need any other points to back up your argument.  That being said, plenty of businesses, start-ups especially burn through more money than they make. The lack of profit doesn't necessarily make them a failure provided they are still generating revnue, which Tesla is, and a lot of it.  So, if you'd like to have a discussion about whether they're making *enough* *revenue*, or whether they're poorly re-investing the *revenue* they are making, and how those factors might determine whether or not they should be considered a failure, then I'd be happy to participate.  But if you're only interested in making replies that try to condecend to me because you're too quick to jump to conclusions about what I've written, then have at it I guess. Whatever floats your boat."


There is some truth to this. But the reverse could be seen as Apple. Where they did this, and it blew up until they gave it back to Jobs.  Similarly, Bezos seems to be doing a good job as CEO. Gates and Ellison also were pretty successful!  I agree though that when companies start to get major investors/go public, there should be some planning/thought to see if the Founder/CEO is actually a CEO type


"This is the best tl;dr I could make, [original](https://qz.com/1100886/bitcoin-in-africa-is-driven-by-mmm-mavrodi-ponzi-scheme/) reduced by 95%. (I'm a bot) ***** > The scheme associates itself closely with Bitcoin in its marketing materials, explaining that &quot;MMM and Bitcoin have similar ideologies: they strive to defeat the social inequalities, to free people from banks, and to make the world fairer.""  > After countries like South Africa and Nigeria attempted to shut them down in 2016, MMM paused their operations, only to return at the beginning of 2017 with a new marketing focus: Bitcoin.  > That&#039;s precisely what happened in 2016, when MMM abruptly shut down their first Bitcoin-based ponzi scheme.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/76di19/bitcoins_rise_in_african_markets_is_driven_by_an/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~228345 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*: **MMM**^#1 **Bitcoin**^#2 **world**^#3 **Cryptocurrency**^#4 **new**^#5"


Maybe you missed this part  >by going into a local retailer and forcing them to compete with something they cannot realistically compete against while turning any kind of a reasonable profit.  There won't be any local taxes to pay if the local business isn't around to sell anything to you.


Vanguard (and probably other mutual fund brokers as well) offers easy-to-read performance charts that show the total change in value of a $10K investment over time.  This includes the fair market value of the fund plus any distributions (i.e. dividends) paid out.  On Vanguard's site they also make a point to show the impact of fees in the chart, since their low fees are their big selling point. Some reasons why a dividend is preferable to selling shares: no loss of voting power, no transaction costs, dividends may have better tax consequences for you than capital gains. NOTE:  If your fund is underperforming the benchmark, it is not due to the payment of dividends.  Funds do not pay their own dividends; they only forward to shareholders the dividends paid out by the companies in which they invest.  So the fair market value of the fund should always reflect the fair market value of the companies it holds, and those companies' shares are the ones that are fluctuating when they pay dividends. If your fund is underperforming its benchmark, then that is either because it is not tracking the benchmark closely enough or because it is charging high fees.  The fact that the underperformance you're seeing appears to be in the amount of dividends paid is a coincidence. Check out this example Vanguard performance chart for an S&P500 index fund.  Notice how if you add the S&P500 index benchmark to the plot you can't even see the difference between the two -- the fund is designed to track the benchmark exactly.  So when IBM (or whoever) pays out a dividend, the index goes down in value and the fund goes down in value.


Is this legal?  If the purpose of the sale at that price is to defraud somebody else, you could have a legal issue. For example if the purpose was to make yourself appear poorer to make you eligible for government aid; Or to increase your chances of getting a college grant; or to not have to pay money to your spouse as part of a divorce settlement; or if there is an unwritten part of the transaction for the sibling to sell the house back to in a few years when you no longer need to appear poor.  The answer by @littleadv covers the tax complications.  I do have one additional point. The sale can't be a short sale. The bank will never approve. The short sale can only be approved when the bank is convinced that there are no viable purchasers at a level to get all their money back. Your sibling is not an arms length transaction.


paypal says it works with CBE but can't seem to link my account with them, but skrill works perfectly just go to www.skrill.com sign up and you can link your bank account with your skrill account, i've had a few transactions so it should work for you too.


This is a scam. Delete the email and don't talk to the person or keep any contact.


You'll have to ask for a refund of the Paysafecard credit to your bank account. From there, you'll be able to use a debit card associated to your bank account, or transfer it to Paypal. Here's the form to request the refund: https://customer.cc.at.paysafecard.com/customerrefund/start.xhtml You may have to provide copies of ID and proof of address, and there will be a 7.50 euro fee for the refund.


I don't believe that $1 billion in profits claim for a second. Running trains at over 200 MPH is extremely expensive, so much so that only the Chinese have been willing to do it in regular service. Countries with more credible accounting practices invariably lose money on high speed rail, so there's pretty much no way the Chinese are raking in ten figures just on one route.


"As I understand it the usual rule is that the country you are ""resident"" in taxes you on your worldwide income but gives you credit for foreign tax paid. The country you are not normally resident in taxes you only on income from that one country. Note that residence for tax purposes can have different rules from residence for immigration purposes. At least in the UK being resident in the country for more than half the tax year normally makes you tax resident and there are some other cases too. I expect other countries are similar but the details of the rules and the start/end of the tax years may vary. I don't know the exact rules for finland and belgium but I expect your Belgian taxes will be based on your Belgian income only and your Finnish taxes will be based on your worldwide income but with a credit for your Belgian taxes. Engaging accountants from both countries to confirm the exact rules and what exactly you should put on the forms is almost certainly a good idea."


I'm not the one making some grand speech protecting rich people from paying their employees higher wages.  You need to calm down and accept the fact that wages can't support our economy, and defending that is defending actions that harm the economy.


"For me, the emergency fund is meant to cover unexpected, but necessary expenses that I didn't budget for.  The emergency fund allows me to pay for these things without going into debt. Let's say that my car breaks down, and I don't have any money in my budget for fixing it.  I really need to get my car fixed, so I spend the money from my emergency fund. However, cars break down periodically.  If I was doing a better job with my budget, I would allocate some money each month into a ""car repair/maintenance"" category. (In fact, I actually do this.)  With my budgeting software, I can look at how much I've spent on car repairs over the last year, and budget a monthly amount for car repair expenses.  Even if I do this, I might end up short if I am unlucky.  Emergency fund to the rescue! If I'm budgeting correctly, I don't pay any regular bills out of this fund, as those are expected expenses.  Car insurance, life insurance, and property tax are all bills that come on a regular basis, and I set aside money for each of these each month so that when the bill comes, I have the money ready to go. The recommended size of an emergency fund is usually listed as ""3 to 6 months of expenses.""  However, that is just a rough guideline.  As you get better with your budget, you might find that you have a lower probability of needing it, and you can let your emergency fund fall to the lower end of the guideline range.  The size of my own emergency fund is on the lower end of this scale. And if I have a true crisis (i.e. extended unemployment, severe family medical event), I can ""rob"" one of my other savings funds, such as my car replacement fund, vacation fund, etc. Don't be afraid to spend your emergency fund money if you need it.  If you have an unexpected, necessary expense that you have not budgeted for, use the emergency fund money.  However, your goal should be to get to the point where you never have to use it, because you have adequately accounted for all of the expenses that you can reasonably expect to have in the future."


A 529 plan! The savings can only be used for education purposes, but you can use them for ANYONE and even change the beneficiary.  Distributions are tax free, and contributions are usually state tax free.


A bank can reject a loan if they feel you do not meet the eligibility criteria.  You can talk to few banks and find out.


The original option writer (seller) can close his short position in the contracts he wrote by purchasing back matching contracts (i.e. contracts with the same terms: underlying, option type, strike price, expiration date) from any others who hold long positions, or else who write new matching contract instances. Rather than buyer and seller settling directly, options are settled through a central options clearing house, being the Options Clearing Corporation for exchange-listed options in the U.S. See also Wikipedia - Clearing house (finance). So, the original buyer of the put maintains his position (insurance) and the clearing process ensures he is matched up with somebody else holding a matching obligation, if he chooses to exercise his put. I also answered a similar question but in more detail, here.


Well a) some people aren't in an area where broadband is even offered and b) if all you want is email, instead of giving your cable company $50 a month, giving AOL $21 a month is a better deal.  That said, it's probably also true that a huge percentage of their users are still there through inertia or the misguided assumption that they'll lose their aol.com address.


Not directly Nintendo, but: A company would want its share price to be high if it wants to sell its stock, e.g. on IPO or on subsequent offerings. However, if they want to buy back some shares, it would be in their interest to get more stock for the buck. There may of course be derivative values associated with a high share price, e.g. if they bet on the price or have agreements with investors for particular milestones to be reached. Employees might hold shares and be motivated by share price increases, so a decrease may not be desired, unless they are into some kind of insider trading (buy low, sell high). And last, over-valued share prices may undermine trust in a company, and failing to inform shareholders sufficiently may be outright illegal. Besides those reasons related to law, funding, sales, public relations and company image, companies should be pretty much independent from their own share prices, in contrast to share distribution.


Lost checks happen occasionally, and there are procedures in place (banking & business) to handle the situation.  First and foremost you need to: Note: The money is legally yours, so the company is obligated to work with you here.  If they refuse to cancel or reissue the check, at a minimum you'll want to contact the state government and let them know about the company's actions, if small claims court is not an option.  Businesses aren't permitted to keep 'forfeited funds' in most states, instead they are required to turn them over to the government who would then return them to you when you ask for it.  It's rather scummy of the government bureaucrats, because it puts them in the sole position to benefit from forgotten money, but that's the system we've given ourselves. Since you've moved overseas since the last time you worked with this company, you might need to exercise a little patience and be willing to jump through some hoops to get this resolved.  Be prepared to provide them proof of who you are, and be ready to pay for extra security such as certified mail / FedEx so that you're both sure that the new check is delivered to you and only you. Last of all, learn from your mistake this time and be a little more cautious / proactive in keeping track of checks and depositing them in the future.


Thank you for stating this point.  Food prices in the U.S. are stable and reasonable.  The economic downfall was not tied to agriculture.  Why would we mess with something that is functional right as we are starting to show signs of a healthy economy again.  Now I am not supporting Monsanto but with the current state of the economy we shouldn't mess to much with things that are working.


In a perfect market, share prices are by definition a perfect reflection of the true value of a share. Hence, you always get $10 for a share that's worth that much. In reality, the market is imperfect. Prices are somewhat of an average of all different estimates, and there's a cost-of-trading margin between sales and buy prices. Hence, in a perfect market it doesn't matter whether you have a stop loss order at $9.00. That just trades your stock worth $9 for cash worth the same $9. In an imperfect market, that trade nets you less. Furthermore, is risk a linear function of money? Perhaps not, if you bought on margin, need to lend extra and your interest rate increases with the extra credit demand.


In theory, an FCM may accept various types of collateral, including assets such as cash, treasuries, certain stocks, sovereign debt, letters of credit, and (as of 2009, I think,) gold. In practice, most will want you to post cash or cash. Some will take treasuries, but I think you'll generally have a hard time posting securities or other riskier asset classes at most shops, as dealing with the margining around them is more complex (and less profitible).


The fees for the services are displayed on the PayPal website at https://www.paypal.com/cgi-bin/webscr?cmd=_display-fees-outside Is there anything else you were looking for.


>It's a nice park  No it's not. It's a blight on Niagara. The park is [constantly under investigation for animal cruelty](http://www.cbc.ca/news/canada/hamilton/marineland-charged-with-6-counts-animal-cruelty-1.3927659), but somehow always seems to skate with a slap on the wrist (politicians love tourism dollars!).  Also, it's all owned by a [known psychopath who is known to threaten, stalk, and physically abuse people he doesn't like, or those who protest against his way of doing business](https://www.thestar.com/news/gta/2011/10/03/the_man_behind_marineland_50_years_of_controversy.html).   Please don't encourage people to spend their money here.


Is it what I want to eat when I want to eat good food? No, absolutely not. Do I occasionally eat it? Yes. It's a matter of price/time/convenience, which is basically the entire fast food industry. I absolutely believe pizza that isn't artisanal level can be automated and the product can still be damn good. The chief problem with frozen pizza isn't that it's made by a robot, it's that it is frozen.


My local shopping store giant does 'online shopping', and by that I mean you can order your stuff, pay extra online etc etc, then another extra fee to reserve your time that you DRIVE TO THE STORE and pick it up. (and some times fill up So be quick, rofl)  I mean sure fills a small NICHE, but why do online shopping without delivery, especially when they are charging all the extra fees already.  I look forward to Amazon wiping these guys out.


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In today’s competitive world, if one wishes to excel and achieve mass success, it is mandatory to have best brand output for the customers. With the change in the marketing medium, the consumer has n-number of opportunities to choose from various mediums of social and mobile web.


"Like many things, there are pros and cons to using credit cards. The other folks on here have discussed the pros and length, so I'll just quickly summarize: Convenience of not having to carry cash. Delay paying your bills for a month with no penalty. Build your credit rating for a time when you need a big loan, like buying a house or starting a business. Provide easy access to credit for emergencies or special situations. Many credit cards provide ""rewards"" of various sorts that can effectively reduce the cost of what you buy. Protection against fraud. Extended warranty, often up to one year Damage warranty, covering breakage that might be explicitly excluded from normal warranty.  But there are also disadvantages: One of the advantages of credit cards -- easy access to credit -- can also be a disadvantage. If you pay with cash, then when you run out of cash, you are forced to stop buying. But when you pay with credit, you can fall into the trap of buying things that you can't afford. You tell yourself that you'll pay for it when you get that next paycheck, but by the time the paycheck arrives, you have bought more things that you can't afford. Then you have to start paying interest on your credit card purchases, so now you have less money left over to pay off the bills. Many, many people have gotten into a death spiral where they keep piling up credit card debt until they are barely able to pay the interest every month, never mind pay off the original bill. And yes, it's easy to say, ""Credit cards are great as long as you use them responsibly."" That may well be true. But some people have great difficulty being responsible about it. If you find that having a credit card in your pocket leads you to just not worry about how much you buy or what it costs, because, hey, you'll just put it on the credit card, then you will likely end up in serious trouble. If, on the other hand, you are just as careful about what you buy whether you are paying cash or using credit, and you never put more on the credit card than you can pay off in full when the bill arrives, then you should be fine."


Wealth Generators Reviews which are putting allegations upon this company by calling it as a scam or web of MLM concept should at first go through the company's profile and understand the true vision and the products of the companies. Wealth Generators has interesting products to help the people earn money with the help of expert trading and stock market tips and advice. Wealth Generators is not a typical MLM tonic which will make you rich overnight. It is a place for strategy seekers and the persons who are really willing to make more money through their hard earned capital. The company specializes in stock market trading and to promote the awareness of trading, it is using some MLM type concept so that the maximum people get benefited after availing the subscription program of the newsletters and financial management tools which have been designed and developed by the veterans of the financial market and the trading experts.  Wealth Generators Reviews mentioned by some trade persons who have suffered loss due to adopting the improper strategy and not following the guidelines as described in the materials of the company are deviating some people from participating in wealth generation programs being offered by this company. We would like to make you clear that Wealth Generators is not demanding your money. It is just only charging you on the behalf of the guidance services provided to you to let you have a good income while trading in the global fluctuating market scenario. We at Wealth Generators offer learning subscription packages in a reasonable charge.


The best thing to do right now is track your spending. You know you're saving 1k a month, and you know you're spending 1k a month on rent. That's 24k so far. I presume you'll have some income tax taken out, let's assume it's another 6k to round us neatly up to 30k. Since you earn 80k and you've spent 30k so far, you have another 50k unaccounted for. If you're in the USA I'd recommend using mint.com or a similar service to automatically track your transactions, or even just a spreadsheet if you don't like handing out your bank details (and you shouldn't). After that, I agree with SoulsOpenSource's answer. Write a budget and try to figure out where the fat can be trimmed. When I started tracking I saw I was spending almost a hundred bucks every week on fast food, due to poor planning and laziness. I decided to cook more and plan better and now I'm spending less than half that - in the last year I've saved almost three thousand dollars! If you want to save up for your future (and good on you if you do!) then there'll be some choices to make ahead. If you're spending a few hundred bucks on going out drinking every weekend, or you grab two coffees every day, or you buy fifty blurays a month (do people still buy blurays?), you'll have to ask yourself: Will I be happier spending money here than saving for my future?


Where you can put the money really depends on your risk tolerance. You could take $50k and put it into a good share class municipal and government bond fund that would likely be tax exempt. In a few years span I don't think you're likely to lose much in a tax-managed bond fund but it's certainly possible! Here is a link for Vanguard tax-exempt bond funds by state of residency: https://investor.vanguard.com/mutual-funds/vanguard-mutual-funds-list?assetclass=bond&taxeff=xmpt These funds have returns well exceeding CD's or standard savings accounts. Risk of loss is real, but returns are possible.


It's interesting how ups doesn't seem to be having a problem (a private company).    It's more evidence that the government isn't really good at running anything.  It's partially because they don't have to worry about making a profit and since it's not their money (it's ours), piss it away.  If they can't even run something simple as the post office without nearly going out of business, healthcare is an impossibility.


As boomers retire there'll be a lot smaller workforce to go along with a potential smaller employment force. Also as far as having fewer jobs in any particular career path, ask yourself what you think is easier to do, completely change careers in your 20s or 30s or in your 40s or 50s?      Fact remains those with less working time left have a harder time adjusting to the new economy because they have less opportunity to change careers or make up their retirement losses.


So true.  Socialism is evil, except for roads, schools, libraries, public transportation, water and sewer, and police and military services.  Then socialism is just fine.  Government rules and regulations are bad, except when they enforce Christian fundamentalist doctrine and propaganda, and then it is absolutely fine.


Take the emotion out of your argument.  Why wouldn't they support this change?  It doesn't hurt them at all, and could potentially help their bottom line.  And by spearheading it for all retailers they make sure that they are all on the same playing field.


>Nothing. Nothing at all is the problem, which is why i'm not sure why you aren't doing so right now. It's perfectly legal.   I've already explained this in other posts, but I'll say it again here:  Dollars have an unfair legal advantage to other potential-monies.  Understand?


For larger items such as cars this is certainly possible; I've donated a car before (in Canada) and got a tax receipt that was probably worth more than I would have got from a dealer for the car. However with donations of this kind there are two obstacles: Two other options for you to consider. Most medium towns have used book shops which you can sell them to. If the used book shops don't want them then your books really aren't worth enough to be worrying about, in which case see option two: give the books to a charity or thrift shop and don't worry about the receipt. Sometimes a nice feeling is the best return you will get.


Still not easy to grasp for a 5-year-old, but they're entertaining. Particularly the second one, which is slightly less informative but a lot more fun. http://www.youtube.com/watch?v=d0nERTFo-Sk&feature=fvwrel http://www.youtube.com/watch?v=GTQnarzmTOc EDIT: Yup, it's biased towards Hayek, but that much is pretty evident. I still think that the videos are worth a watch, if only to give you a small introduction to where the two of them stand on certain issues.


If you would like to find data on a specific industry/market sector, a good option is IBISworld reports. You can find their site here. You can find reports on almost any major US sector. The reports include historical data as well as financial ratios. In college projects, they were very useful for getting benchmark data to compare an individual business against an industry as a whole.


Yeah that's what I'm looking for.  The problem, I run my business at a loss, I do it out of love for the topic.  Trying to get someone to work full time at 10$/hr and be competent is difficult. Like you said, I'm giving many of these duties to part time contractors.


"I must point that without the IT - no-one in the bank generates any revenue. Not to mention the fraud prevention and informational security. To the best of my knowledge - IT in banks and financial institutoins are paid very well for their services, and they earn every penny of it. IT is not just online banking or computer support. IT is the whole underlying infrastructure of the modern banking. Investor without the proper links to the stock exchanges will go elsewhere, loans that cannot be evaluated fast enough (using of course the IT infrastructure) will be taken from someone else, CD's for which the interest is calculated manually will probably not be as attractive as the CD's managed by the computers at the bank next door, credit and debit transactions, ACH, direct deposit, etc - cannot be done without IT. So IT is not expense, IT is infrastructure (and that is ""operations"" in the budget books). Every function of the bank that generates revenue - relies and depends on it."


If you are looking to transfer money to another person in the US, you can do do with no tax consequence.  The current annual gift limit is $14k per year per person, so for example, my wife and I can gift $56k to another couple with no tax and no forms. For larger amounts, there is a lifetime exclusion that taps into your $5M+ estate tax. It requires submitting a form 709, but just paperwork, no tax would be due. This is the simplest way to gift a large sum and not have any convoluted tracking or structured loan with annual forgiveness. One form and done. (If the sum is well over $5M you should consider a professional to guide you, not a Q&A board)


I have a little experience with this.  My home state of Wisconsin was on this list until 2011. The thing to remember is that these states simply do not recognize the HSA.  What this means is that there are no state income tax advantages to the account, and no state tax penalties, either. Here are the implications: When you invest in a taxable account, your broker in many cases keeps track of cost basis for you.  However, when you invest inside an HSA, your HSA custodian will generally not keep track of any of this, because it is not normally needed.  Therefore, you need to keep track of any cost basis yourself, and when you sell, calculate the capital gain or loss on your state return. In my opinion, the HSA is a good deal even if your state does not recognize it.  The tax-free savings/investing is a great deal, even if only on your Federal taxes.  The state return will be a little more complicated, but the savings you get on your federal return are worth it. In my situation, our family spends the money in the HSA on medical expenses fast enough that we don't invest it in anything other than an interest-bearing savings account.  Therefore, we didn't have to worry about capital gains inside our HSA, and only had to add contributions and earnings to our state income.  I am very glad that our state now recognizes the HSA.


I understand what they are doing, and certainly don't disagree with your assessment.  HOWEVER, what I'm saying is that people are going to buy Birkenstock's on Amazon with or without the CEO's permission and thus with or without legit Birkenstocks (Read counterfeit).  My point is that they can either capture that distribution channels themselves or someone else will.  When American's buy shoes now, its turning more and more to online distribution.  Ignoring an online distribution channel is the same as ignoring cell phones if you're a pay phone provider.  All I'm saying is he can get on board or get out of the way.


They pick only one brand/supplier for a product. That cuts a whole lot of waste, guarantees their suppliers that Aldi will buy large and buy often so they can save money. Also their stores are smaller than some Walgreens, which means cheaper over head and less employees needed per store


It's fake. It's not a leak.  > According to **this rendered image,** Apple may be releasing a new line of Macbook Air computers in the color “Space Gray” at their next conference.  And according to my anus, Apple may be releasing a new line of Macbook Air computers that can be inserted rectally.


Different risks require different hedges.  You won't find a single hedge that will protect you against any risk.  The best way to think about this is who would benefit if those events occurred?  Those are the people you want to invest in.  So if a war broke out, who would benefit?  Defense contractors.  Security companies.  You get the idea. You also need to think about if you really need to hedge against those things now or not.  For example, I wouldn't bother to hedge against global warming or peak oil.  It's not like one morning you're going to wake up, turn on CNNfn and see that the stock market is down 500 points because global warming or peak oil just hit.  These are things that happen gradually and you can react to them gradually as they happen.


what he doesnt mention is that when American was GREAT was largely the 50's and 60's .. a period characterized by stellar tax rates.  in 1944, FDR set the top marginal tax rate at 94% (for anything over today's equiv of $400k salary), and a corporate tax rate of 70%.   Cutting corporate tax rates, when ppl don't have any more to spend, will only create bigger CxO pay packets. What is happening today is that the extra profits are being used for buying back stock (not reinvesting bc nobody can buy more). That benefits only the top 0.01% of the population.  But the real worry is that these inflated stock prices are a mirage. Inside the companies are not doing any better. Soon its all going to collapse like a pricked balloon. Made worse by the lowering of tax rates. So much for MAGA.


The low payroll does help. Keep that in mind next time you see someone working at walmart, especially if you see they're doing a pretty good job. They aren't getting paid a whole lot to do it.   Also it's interesting to note that I didn't know a single one of us who didn't put a very large portion of our paychecks back into the store. Walmart has it pretty good with their associates... associates just don't always get a fair shake.   Part time gets health insurance after a year tho... and it's not too expensive... doesn't cover a whole lot but it will get you into the doc and 4 dollar scrips from the pharmacy don't hurt either.


"The advantages of the TFSA are  This makes them great for 50-somethings who didn't do any saving yet, for whom clawbacks when they drawdown RRSPs will have a big impact on taxes and government-related income. It also makes them great for ""I will save up for that car / my downpayment / the kids skating fees next year"" when the money would come out of an RRSP at the same or even a higher tax rate and would not have time to compound for long. This may apply to you. And finally it makes them great for highly paid people who just don't know what the heck to do with all the money that is piling up and have no intention of ever using any of it while they're working, but have filled up their RRSPs. My 20-somethings are using them because they pay essentially no taxes now, so are waiting to use their RRSP room later. If you have money that you are saving for something other than retirement, put it in a TFSA. If you've maxed the RRSP and still have money left over, put it in an TFSA. If you have children, consider an RESP first, because of the bonus money. But don't think TFSA first unless it's for timelimited saving like towards a car or renovation."


"Yes, in your laughably reductionist view, the average scores of black people are lower than the average scores of white people (which are lower than East Asians and Indians), so in your view that would make them stupider, on average. But that's a very misleading and superficial conclusion to draw from everything I've just covered.  You have no sources for your baseless criticism of the IQ metric, you have no understanding of the relative variance between heritable intelligence and individuals, and you have no understanding of how genetics works.  You're clueless, and your attempts to make a data-driven science into ""wah wah I interpret this as WAYCISST"" is truly funny as fuck. Thanks for the luls!"


The incestuous relationship between America's richest one percent and their political lackeys and lobbyists is sickening American society, and yet the press pretends that everything will be just hunky-dory when housing starts pick up. The politicians manage to conduct political campaigns totally devoid of the real issue—the huge and growing gap between the rich few and the impoverished many. Meanwhile our police, who are supposed to protect us, harass citizens exercising their First Amendment rights to assemble and protest injustice. Wake up, Wall Street: you can't shove this under the rug.


If you are the beneficiary of an annuity, you might receive a single-sum distribution when the annuity owner dies. The amount of this death benefit might be the current cash value of the annuity or some other amount based upon contract riders that the owner purchased. The tax on death benefits depends on a number of factors. Death benefits are taxed as normal income. Unlike other investments, the named beneficiary of a non-qualified annuity does not get a step-up in tax basis to the date of death. However, that doesn't mean the beneficiary will have to pay taxes on the full amount. Because the purchaser of the annuity made the investment with after-tax dollars, only the amount attributable to investment income is taxed, but it will be taxed as ordinary income and not enjoy any special capital gains treatment. When there is a death benefit that exceeds the value of the account, that additional amount is also taxed as ordinary income.  Taxes on annuities depend on several circumstances: For more information on distribution of inherited annuities and taxes - go to Annuities HQ-- http://www.annuitieshq.com/articles/distribution-options-inherited-annuity/ they go into details that could help you even more.  One thing that Annuities HQ points out is if you take the lump sum payout, you may be pushed into a higher tax bracket.  Along with doing research I would also contact a financial advisor!


As user14469 mentions you would have to decide what type of properties you would like to invest in. Are you after negatively geared properties that may have higher long term growth potential (usually within 15 to 20km from major cities), or after positive cash-flow properties which may have a lower long term growth potential (usually located more than 20km from major cities).  With negative geared properties your rent from the property will not cover the mortgage and other costs, so you will have to supplement it through your income. The theory is that you can claim a tax deduction on your employment income from the negative gearing (benefits mainly those on higher tax brackets), and the potential long term growth of the property will make up for the negative gearing over the long term.  If you are after these type of properties Michael Yardney has some books on the subject. On the other hand, positive cash-flow properties provide enough rental income to cover the mortgage and other costs. They put cash into your pockets each week. They don't have as much growth potential as more inner city properties, but if you stick to the outer regions of major cities, instead of rural towns, you will still achieve decent long term growth. If you are after these type of properties Margaret Lomas has some books on the subject. My preference is for cash-flow positive properties, and some of the areas user14469 has mentioned. I am personally invested in the Penrith and surrounding areas.  With negatively geared properties you generally have to supplement the property with your own income and generally have to wait for the property price to increase so you build up equity in the property. This then allows you to refinance the additional equity so you can use it as deposits to buy other properties or to supplement your income. The problem is if you go through a period of low, stagnate or negative growth, you may have to wait quite a few years for your equity to increase substantially. With positively geared properties, you are getting a net income from the property every week so using none of your other income to supplement the property. You can thus afford to buy more properties sooner. And even if the properties go through a period of low, stagnate or negative growth you are still getting extra income each week. Over the long term these properties will also go up and you will have the benefit of both passive income and capital gains. I also agree with user14469 regarding doing at least 6 months of research in the area/s you are looking to buy. Visit open homes, attend auctions, talk to real estate agents and get to know the area. This kind of research will beat any information you get from websites, books and magazines. You will find that when a property comes onto the market you will know what it is worth and how much you can offer below asking price. Another thing to consider is when to buy. Most people are buying now in Australia because of the record low interest rates (below 5%). This is causing higher demand in the property markets and prices to rise steadily. Many people who buy during this period will be able to afford the property when interest rates are at 5%, but as the housing market and the economy heat up and interest rates start rising, they find it hard to afford the property when interest rate rise to 7%, 8% or higher. I personally prefer to buy when interest rates are on the rise and when they are near their highs. During this time no one wants to touch property with a six foot pole, but all the owners who bought when interest rates where much lower are finding it hard to keep making repayments so they put their properties on the market. There ends up being low demand and increased supply, causing prices to fall. It is very easy to find bargains and negotiate lower prices during this period. Because interest rates will be near or at their highs, the economy will be starting to slow down, so it will not be long before interest rates start dropping again. If you can afford to buy a property at 8% you will definitely be able to afford it at 6% or lower. Plus you would have bought at or near the lows of the price cycle, just before prices once again start increasing as interest rates drop. Read and learn as much as possible from others, but in the end make up your own mind on the type of properties and areas you prefer.


"tl;dr:  Prosecutors probably thing they can't meet the ""reasonable doubt"" standard, and the deck is heavily stacked against lawsuits.  The whole running the company into the ground part is legal.  It's stupid, but no different than any bad boss that pits employees against each other.  Just on a much grander scale.  The real estate thing is extremely shady.  However, when you're the boss of a company, It's not considered theft to do business with another company you own.  The truth is Sears is drowning in debt.  The CEO offered an easy out.  They sell the property, and only pay reduced rent.  It also means closing stores is easier, and Sears is on the decline.  So, on its own, it's shady, but not the worst way of getting quick cash.  The fact that the CEO is responsible for that decline is what pushes things into potential legal trouble.  It's essentially a complicated form of theft.  One where if Sears goes bankrupt too early (before 2020 or so), his real estate business can't handle it and burns.  However, these sorts of executive theft are almost never prosecuted.  The best chance would be a shareholder lawsuit, but it would have to be against the entire board for supporting him.  Then you run into the issue that, while the board is ""elected"", the laws governing it allow for tricks that make the Russian election look sterling in comparison.\*  Basically, if a CEO is backed up by the board, and not doing something blatantly illegal, they can probably get away with it.  Board elections tend to be rigged to the point that having a member that cares about the company, and all the minor shareholders is laughable.  \* In addition to how the candidates are chosen, votes are cast, etc..., etc... many companies have several types of shares.  Some of which have no voting power, and some of which count for many times the vote of a normal share."


"One option might be to set up a separate bank account and a separate credit card account, which you would use only for your ebay transactions.  I have a friend who does a lot of selling on ebay, and this is exactly what she did.   It's reasonable to want to protect your personal finances from any complications that might arise with PayPal and/or ebay.  But since you definitely have to provide a bank account and c.c. number (there's no way around this), the best solution might be to set up separate ""ebay-only"" accounts.  And be sure not to link them to any of your personal accounts, for added protection. If you're planning to do a lot of selling, this is probably a good idea anyway just for record-keeping purposes. If you do a lot of selling on ebay, you might consider setting up a ""merchant account"". There are some limitations on international transactions (currently you can't sell to residents of UK, Australia, or France), and payment processing is a few days slower. But there seem to be fewer fees/risks/etc associated with a  merchant account. I don't know much more about it, but here's an article from an ebay seller, including pros and cons of PayPal vs. merchant accounts. http://www.ebay.com/gds/Selling-on-eBay-without-PayPal/10000000021351301/g.html"


"Dividends are one way to discriminate between companies to invest in. In the best of all worlds, your investment criteria is simple: ""invest in whatever makes me the most money on the timeline I want to have it.""  If you just follow that one golden rule, your future financial needs will be taken care of! Oh... you're not 100% proof positive certain which investment is best for you?  Good.  You're mortal.  None of us magically know the best investment for us.  We wing it, based on what information we can glean.  For instance, we know that bonds tend to be ""safer"" than stocks, but with a lower return, so if something calls itself a bond, we treat it differently than we treat a stock. So what sorts of information do we have?  Well, think of the stock market linguistically.  A dividend is one way for a company to communicate with their stockholders in the best way possible: their pocketbooks.  There's some generally agreed upon behaviors dividends have (such as they don't go down without some good reason for it, like a global recession or a plan to acquire another company that is well-accepted by the stockholders).  If a company starts to talk in this language, people expect them to behave a certain way.  If they don't, the stock gets blacklisted fast.  A dividend itself isn't a big deal, but a dividend which isn't shunned by a lot of smart investors... that can be a big deal. A dividend is a ""promise"" (which can be broken, of course) to cash out some of the company's profits to its shareholders.  Its probably one of the older tools out there (""you give investors a share of the profits"" is pretty tried and true).  It worked for many types of companies.  If you see a dividend, especially one which has been reliable for many years, you can presume something about the type of company they are. Other companies find dividend is a poor tool to accomplish their goals.  That doesn't mean they're better or worse, simply different.  They're approaching the problem differently.  Is that kind of different the kind you want in your books?  Maybe.  Companies which aren't choosing to commit a portion of their profits to shareholders are typically playing a more aggressive game.  Are you comfortable that you can keep up with how they're using your money and make sure its in your interests?  It can be harder in these companies where you simply hold a piece of paper and never get anything from them again."


BHP Billiton has room to answer doubters as commodities rout batters debt notes in part: There has been speculation that the company could cut its shareholder   dividend, while Liberum Capital analyst Richard Knights has suggested   BHP might look to raise as much as $US10 billion ($14.3 billion) in   new equity capital. If the dividend is cut, you won't see 11% and the share price may well decline further. There is a possibility of big losses here given the change in the prices of the products the company sells. To add from another source The only reason BHP trades on a yield of more than 8% is because the   market is pricing in a cut to the dividend. According to consensus   earnings estimates for 2016 and 2017, earnings per share will be $0.86   and $1.27 respectively. Dividends per share forecasts are $1.83 and   $1.81 respectively.


Unfortunately I didn't go to any top uni haha so that's out of the window. I don't really have any relevant work experience, and it's a little too late for summer internships now, hence why I'm kinda relying on qualifications haha. However I am doing a course which I hope will help me out this summer.


Do you need the car? It depends on what your goals are. You're going to keep losing money on the car via means of the debt (which I assume you can't pay off without selling the car) and depreciation. If it was me, I would sell the car. But if you like it and you can afford it, then keep it.


The number of people around the world born into poverty and extreme poverty is decreasing, both in relative and absolute terms, has been for over a hundred years. This is a systematic improvement in the poverty problem we face as humanity as a whole.   If you are a middle class american, which based on your comments I assume you are,  I assume you make more than $50/day per person in your household. That income level puts you above 93% of the world population.   Looking at your usage of 25/50/25 percentile breakdowns, this puts you well into the upper class, and yet you claim to be impoverished.  I don’t say this to imply that life is not difficult or that the system is not rigged, but to put things in context.  I think there is a valid argument to be made here, but you can’t make it by choosing to redefine words that have real world meaning to fit a narrative you want to tell yourself.   As soon as you redefine words for convenience or choose to repeatedly ignore data, you are no longer having a discussion and you are only talking to yourself. If you continue to do this, I will leave you to talk at yourself by yourself.


Suddenly, I am reminded of images of snakes eating their own tails. The kind of person who works at McDonald's, also eats at places like McDonald's.   There's an endgame for this strategy and it's not one that businesses like McDonald's will like.


The conspiracy theorist in me says this is a huge bet on a future of high crime and civil unrest in the US. Otherwise, why would owning most of the American consumer gun industry be such an attractive investment, unless you're banking on a high demand for guns?  EDIT: Either that, or they're possibly betting on the US invading yet another country, depending on how heavily these companies are involved in military contracting. If I want to spin conspiracy theories, anyway. Probably they're just undervalued companies, like any others. But it's awfully intriguing...


I never said Lyft passed Uber  * NOW + 2 years != NOW * x < 2y != abs(x) > abs(y)  As far as the numbers, I was conflating adjusted net revenue for Uber with their gross bookings, my bad. Still, once Alphabet invests in Lyft, I bet Lyft will overpass Uber.


Stupid article. The whole idea of pressing 3 far-away keys to reset the system is so it won't happen accidentally.  And Windows became very stable lately that I can't recall pressing these buttons in a looooonnnnggggg time.


This is complicated but I think I know what you mean. I guess it would depend on how the UK would be broken down into states. I mean we have states the vary in population from Wyoming to California. But the article the OP is referring to was written in response to income inequality in the UK. So I guess the fact that depending on how we break the UK down it could rank high or low makes the authors point, there is also a lot of income inequality in the UK.