> ...if we can't trust people to know what they want...  I'm not saying people don't know what they want.  I am saying what people want is easy to influence and every large, successful company does so.  > When you say that not being able to resist buying skittles is a serious problem, while there are still people living on the streets, I think you need some perspective.  I think both problems have the same issues at their core -- what is best for corporate America is not always what is best for the greater good.  > I'd wager that what you're seeing as you get older is the poverty trap...  No, what I see is that people solve problems as best they can with the tools they have learned. People make bad choices because they have an incomplete and/or bad assortment of tools to use.  For example, someone might be worse off in life because he/she never learned the value of good organization skills.  Another example is one person in a couple being unable to trust his/her partner because everyone before was untrustworthy.  > ...which is caused by barriers to expanding earnings...  Just had to throw your primary assertion back in, didn't ya? /grin  > I'd still like to know whether you believe you yourself need to be protected from these marketing practices...  I do believe I need protection from company marketing practices.  I also believe I need protection from their products, influences on the market, environmental impacts, and employee treatment.  FYI, I don't believe impulse buying racks at stores should be illegal but I do think it is a great illustration of how a company caters to needs that are different than our true innate needs.


If the trend in Sears' net income stays the same, shares should get low enough they could acquire it at a steal. Then again, if brick and mortars like Sears is following the same trend, why would Amazon jump in?


I will be messaging you on [**2021-06-15 14:54:56 UTC**](http://www.wolframalpha.com/input/?i=2021-06-15 14:54:56 UTC To Local Time) to remind you of [**this link.**](https://www.reddit.com/r/finance/comments/6cvvei/a_hedge_fund_manager_is_supporting_a_free_masters/dixuco3)  [**CLICK THIS LINK**](http://np.reddit.com/message/compose/?to=RemindMeBot&subject=Reminder&message=[https://www.reddit.com/r/finance/comments/6cvvei/a_hedge_fund_manager_is_supporting_a_free_masters/dixuco3]%0A%0ARemindMe!  4 years ) to send a PM to also be reminded and to reduce spam.  ^(Parent commenter can ) [^(delete this message to hide from others.)](http://np.reddit.com/message/compose/?to=RemindMeBot&subject=Delete Comment&message=Delete! dixvaea)  _____  |[^(FAQs)](http://np.reddit.com/r/RemindMeBot/comments/24duzp/remindmebot_info/)|[^(Custom)](http://np.reddit.com/message/compose/?to=RemindMeBot&subject=Reminder&message=[LINK INSIDE SQUARE BRACKETS else default to FAQs]%0A%0ANOTE: Don't forget to add the time options after the command.%0A%0ARemindMe!)|[^(Your Reminders)](http://np.reddit.com/message/compose/?to=RemindMeBot&subject=List Of Reminders&message=MyReminders!)|[^(Feedback)](http://np.reddit.com/message/compose/?to=RemindMeBotWrangler&subject=Feedback)|[^(Code)](https://github.com/SIlver--/remindmebot-reddit)|[^(Browser Extensions)](https://np.reddit.com/r/RemindMeBot/comments/4kldad/remindmebot_extensions/) |-|-|-|-|-|-|


Tampa Technology Co., LTD is a leading supplier of small engine parts from China. We always provide our customers with the highest quality products and the best service. Over the years, our products have been highly appreciated in the world, especially by the customers from the United States and Europe.


"Let's imagine an economy where 100% of wealth creation comes from existing financial assets and 0% comes from new wealth creation. That would essentially be a dead economy. I don't think it matters what your philosophy on economics is--that's a bad outcome. If you don't agree with that point we'll stop here. Note, if you don't think it's bad for this to keep going higher, Japan is at about 80% and we know how they're doing.  If you agree 100% would be bad then we're 70% of the way there in the US. Trump's tax plan, if enacted, would push us even further. The question we should be asking is what is a reasonable way to encourage NEW wealth creation rather than protect and preserve existing wealth. For starters, it makes little sense to have a preferential tax rate for capital gains/dividends/estates as compared to earned income. Even if you just hate taxes and want them all to be gone I think it's fairly easy to say IF we're going to have taxes they should not favor income/transfer from existing financial assets as compared to earned income.  A much more reasonable way to approach this is to say, we have a lot of concentration of financial assets in the top decile of wealth spectrum. Let's just level the tax rate so that income from financial assets is taxes at a similar rate to income from work. That's not even an ""eat the rich"" proposal, it's just a ""eat everyone equally"" proposal. All it would do is tax the very substantial gains in stocks at the same rate as the very meagre (median) gains from working.  The fact that taxing income from financial assets at the same rate as work is a controversial idea is, to me, emblematic of a government completely captured by wealthy interests."


Here's my take: 1) Having a car loan and paying it on time helps build credit. Not as much as having credit cards (and keeping them paid or carrying balance just enough to be reported and then paying it), but it counts. 2) Can't you set in your bank, not the lender, something to pay the car automagically for you? Then you will be paying it on time without having to think on it. 3) As others said, do read the fine print.


"As foundational material, read ""The Intelligent Investor"" by Benjamin Graham.  It will help prepare you to digest and critically evaluate other investing advice as you form your strategy."


Clutch Bags is the top quality manufacturer and seller of all kind bags in the United States. Nowadays, what with cell phones, wallets and other necessities, it's much more difficult to go out with a tiny bag. So you should use the Clutch purse,  which is can cover your small product. We have a great range of bags such as Best design bag, handmade clutches with interesting styles are all available on our company website.


CreditKarma review I don't personally use HelloWallet, but I have also heard very good things about it. Independence from financial products is a HUGE thing in the field because so many investment advisers place the firm before the customer (c.f. Too Big To Fail), so having an independent resource is a huge benefit.


"It's like you're talking about a different article.  I wonder if you read it at all.  He doesn't talk about discrimination and he doesn't suggest discriminating against top schools at all.  What he says is simple:   > Don't hire someone on the basis of his or her educational institution. [...] Instead, hire on the basis of class rank, even if--no, especially if--the person is not from one of the more prestigious institutions.  This should be completely clear and I have no idea how you got the impression that he's trying to prove that ""Harvard kids are dumb"".    Might I ask which school you personally went to?"


I'd go with 19.99 free shipping if you can. Especially with stuff like Amazon Prime people hate paying for shipping nowadays and they'll just look for your product or something similar where it ships free.  If you can take the $2 haircut 19.99 is a much nicer sounding number to people.


If they default and try to stay in the Euro, they will be shut out of any chance of financing but they will be obliged to conduct business in a currency that they cannot afford. Their businesses will close, unemployment rise until they have no option to stay in the Euro.   Instead of that, they will reissue the Peseta, Lira, Drachma, etc. and then devalue. That will allow their real estate, tourism and manufacturing to be very competitive. If they could stay in the Euro after default they would starve, but I don't think they could stay, even if they wanted to because they'd be expelled by Germany.   Here is [Gonzalo Lira's suggestion as to how Spain should have already left the Euro](http://gonzalolira.blogspot.com/2012/04/will-there-be-corralito-in-spain.html)


You won't be able to avoid the $800 fee. CA FTB has a very specific example, which is identical to your situation (except that they use NV instead of AZ), to show that the LLC has liability in California. State of formation is of no matter, you'll just be liable for fees in that state in addition to the CA fees. This is in fact a very common situation (that's why they have this as an example to begin with). See CA FTB 568 booklet. The example is on page 14. I suggest forming the LLC in AZ/CA and registering it as a foreign entity in the other state (AZ if formed in CA, the better option IMHO, or CA if formed in AZ). You'll have tax liability in both the states, AZ taxes can be credited towards the CA taxes. Instead of forming LLC, you can cover your potential liability with sufficient insurance coverage.


I was never trying to prove that negative returns are good. They are devastating for HF, much more than for long only houses (in a downmarket).   My issue is people on Reddit comparing HF performance to S&P. The article talks about the comparison as well.


Loose your weight without hitting the heavy machine on gyms, just get one Diet pills, which reduced extra fat from your body and give you the instant result within some weeks. Envyzen offers you worlds best first class diet supplement and Oxy Burn Diet pills online, which gives you muscle body and reduced, increase energy. Along with all these health supplements, we have also life many more products like hair and beard, detox, women health and skin care products for women. For further information about our products and health supplements feel free to get in touch with us.


"> Some people will always be at the bottom of the class pyramid though. Should they be unable to have a __speedboat__ because of that?   Yup.  > Some people will always be at the bottom of the class pyramid though. Should they be unable to have a __really fast car__ because of that?   Yup.  > Some people will always be at the bottom of the class pyramid though. Should they be unable to have a __mansion__ because of that?   Yup.  > Some people will always be at the bottom of the class pyramid though. Should they be unable to have a __Caribbean island__ because of that?   Yup.  > Some people will always be at the bottom of the class pyramid though. Should they be unable to have a __family__ because of that?   Yup.  ""But I *reeeeeeeeeeeeeeeeeeally* want one!"" doesn't work for ponies, and it shouldn't work for babies, either.  I consider myself a socialist, mostly, but *fuck* people who try to hold my ethics to ransom by having kids they can't afford to have."


From my limited experience, having taken a class on Bankruptcy in order to become a paralegal, Chapter 11 is the portion of the Bankruptcy Code that allows certain corporate entities to reorganize. Basically, the entity files for bankruptcy protection to halt credit collections or any number of reasons, and then work with the courts to get out. If the entity can put together a reasonable sounding restructuring plan, the court may allow them to do it. A restructuring plan essentially is a plan of who to pay back, when, and by what means (this is seriously a simple explanation, it's much more complex than this). So if the Court approves the plan, the entity will attempt to carry it out and come out of bankruptcy several years down the road in a more solvent position. If the Court rejects the plan or the plan fails, then the entity has to then engage in Chapter 7 proceedings (selling assets to pay off debts).


You will be best to cancel the original instruction first, as you will have to wait for any pending payments to be received, as the banks will not entertain multiple refunds. After this can be confirmed the account will simply show a credit which you ask for.  Many lenders/banks process these type of transactions after a period of time ie 30 days and there will be no way to speed this up, so the sooner you act the better.  When you contact the bank have bank details for the payment(they might transfer externally fingers crossed), or you may receive a cheque in the post.  Try to avoid complicating the matter with changes of address and ringing before you have cancelled the instruction etc if possible.


"Its really, really good of you to admit your short comings with a desire to improve them.  It takes courage.  Keep in mind that most of us that answer questions here are really ""good at money"" so we have a hard time relating.  Would you want people that are bad with money answering questions on a personal finance site?   While it is intimidating you will need a budget.  A budget is simply a plan for how to spend your money.  Your budget, based on your new pay frequency, will likely also need some cash flow planning as a single paycheck is unlikely to cover your largest expenses.  For example your rent/mortgage might be less than a single paycheck so you will have to save money from the previous paycheck to have enough money to pay it.   Your best bet is to have a friend or relative that is good with money help you setup a budget.  Do you have one?  If not you might inquire about a church or organization that offers Financial Peace University.  The teachers of the class often help people setup a budget and might be willing to do so for you.  You could also take the class which will improve your money management skills.  For $100 you'll have a lifetime pass to the class.  If it helps you avoid three late charges/bounce checks then the class is well worth it. Now as far as spending too much money.  I would recommend cash, but you have to do it the right way.  Here is the process that you have to follow to be successful with cash: Doing cash will give you a more concrete example of what spending means.  It won't work if you continue to hit the ATM ""for just $20 more"".  It will take you a bit to get used to it, but you will be surprised how quickly you improve at managing money."


I wish I would have:


That's the same question I've been pondering.  How did they handle it in Canada umpteen years ago on their test run?   Obviously they're not giving out a lump sum at the beginning of the year, but what about month to month?


"It's been a while but I've worked with a few Indians in the past.  One guy was a manager - very smart and a great guy but he micro-managed his people to death - literally checking on them multiple times an hour throughout the day.  Several Americans that worked for him quit because they couldn't take it anymore although the liked him personally.    Then I went to another place that used several H1B programmers and DBAs.  I had to manage a few of them and learned quickly why he worked the way he did.  They were all smart and hard workers but I would give the Indian workers a general task to accomplish and they would always enthusiastically say yes and disappear into their cubicles to work.  I would swing by a few hours later (expecting things to be moving along or done) and would often find that if they had hit a snag, they would stop, sit, and wait for someone to come check on them for further direction.  If they did in fact complete the task, they would still just sit there and wait for me to come check on them to tell me they were done.  It was really crazy.  I also found that even if they had no idea what I wanted, they would say ""yes"" and go back to their desk, so I had to start having them give me an overview of what they would do to solve the problem before I let them go off and start working.    I assume it's a cultural thing but it drove me nuts until I learned how to keep them moving.    TL;DR: Managing them was like herding cats."


No, it means what it says. Prices change, hence price of the derivative can go down even if the price of the underlying doesn't change (e.g. theta decay in options).


You're still talking about taking loans from banks? As of September, 2011, [Viacom had a Billion. Dollars. **Cash.**](http://finance.yahoo.com/q/bs?s=VIA&annual)   All of the operating expenses, marketing expenses, etc, are coming out of Viacom's coffers. Then they are doing fuzzy math to make sure anyone getting paid off of the *net* gets nothing. This has nothing to do with debt and everything to do with income.


> The ACA was objectively bad for healthcare/insurance companies.   Citation needed.    [In Rare Unity, Hospitals, Doctors and Insurers Criticize Health Bill](https://www.nytimes.com/2017/05/04/health/health-care-bill-criticisms.html?mcubz=0)   Healthcare stocks have been performing just fine for the last 10 years.  In Medicaid Expansion states, the healthcare exchanges have generally stabilized and are serving the public just fine.  Health insurance prices have risen, but they were rising before the ACA as well.  Obamacare wasn't designed to fail.  It was designed to be a first attempt at delivering health insurance to all Americans.  However, like every piece of sweeping legislation, it was probably going to need some legislative tweaks after a few years to address unforseen problems.  They clearly didn't anticipate losing the Medicaid expansion in 25% of states, including many of the poorest, sickest, and most expensive to cover states.  I am still baffled to this day how my own state legislature sleeps at night knowing that they're denying healthcare to our poorest and most vulnerable people because they would rather have some sort of political advantage.


In one of your comments you say: Even if the pharmacy is not in the insurance provider network? This is why you got the check instead of your insurance company. I have Blue Cross/Blue Shield, and recently my wife underwent a procedure in the hospital, where one of the physicians involved was not in my providers network. I got a letter from the physicians office stating that since they are out of network, the standard practice was for BCBS to issue the check to me, rather than to the provider. I received the check and made the payment. The main contention is the difference in price, and that is what you need to discuss with both the pharmacy (actual billing) and your insurance company (paid benefits).


You're aware there's no such thing as a cheap house in Jersey right? Rental values are listed in price per DAY to make them look less scary.   Also, no, you couldn't. You pay tax in the country you are resident in and the States don't equate property ownership to residency; neither does HMRC.   Interesting side note, in Jersey's neighbour Guernsey you can own a house but not legally be allowed to live in it due to the dual property market.


"Meh. Do you know how many tens of millions pieces of sensitive information the Gov has 'lost' and nobody batted an eye? LOL.. even the NSA, CIA, etc ""lost"" ungodly amounts of sensitive information and nobody paid attention. Lol but a private company does it and they will be made an example of (as they should) lol but it's like the pot calling the kettle black"


That's absurd, it's almost always cheaper for me to pay electronically and never more expensive, across pretty much everything.  Why on earth would they make it more expensive to have to deal with an old, manual process, that costs more to carry out and is more likely to result in a failed payment?


That's a misrepresentation of my point. I said class warfare was a ruse, not that inequality wasn't real. They are not the same thing.  Class warfare is the deliberate attempt to harm one social group to benefit another, involving theft of resources.  Inequality is simply a description of the allocation of resources without any comment on how or why they are distributed in such a manner.


"Thanks, but I'm concerned I don't have enough math/programming to do serious quant work. I could learn it for sure, but it'd take some time. So wherever I'd work for would have to be patient with me as I learn. Edit: by ""consulting firms"", are you talking about, e.g., McKinsey and BCG? I think I must be mistaken - could you offer 1 or 2 examples of such firms?"


They need to spread the work for all customers over the whole month, and they don't work on weekends. Combine the two, and the rule becomes clear - if months have minimum of N working days, 1/N of all customers gets set on each day. You seem to be on day 5: If the month starts with a Monday, the fifth working day is the 5. (Friday); if there is a Sat or Sun in between, it will be the 6th, and if there is both a Sat and a Sun in there, it will be the 7th. However, the statement itself is not very important at all. It is just the day where they print it on paper (or even only on a PDF). You can see your bank account activity every day 24/7 by checking online, and nothing keeps you from printing it on every 1st of the month if you want (or every day, or whenever you prefer).


Agreed my friend, and the UK is the country that is the furthest away from the European reality. You have schools charging 1 to 8k for a full years tuition.   I know a case of someone having to sell his home to afford a top MBA in Europe (obviously it paid off), which goes to show how hard for europeans it is to afford US prices for education, meanwhile in the US they just hand it over to you. The problem comes when the Navients of the world come knocking on your door and you can't even save a penny


They are a complete waste of money, see my answer here for more details.


"The short answer is ""No"". There a 2 ways to get cash from a life insurance policy.  If the policy has cash value greater than the surrender value, then the difference can be borrowed, but will generally increase premiums in the future.   The other method, available on many term policies allows the owner to receive part of the death benefit if the insured has a physician willing to certify that he/she will probably pass away within a 12 month period.  Several carriers also offer cash benefits for critical care."


"Dude, SHUT UP. This is not an argument. You are wrong, ignorant and stupid. The fact that you keep bring up the same false narrative DOES NOT make it true. I would gladly continue to explain to you how much of an idiot you are, but, what with your ability to ""think critically"" as you called whatever is is that seems like rational thought to you (I'm laughing, even as I write that sarcastically, you're just such an idiot), it would be a waste of both of our time.   Feel free to continue to have your backwards ideas of the world. The rest of us will continue our lives happy and not full of hate for another person just because of the way they choose to worship. We understand hoe numbers work. It's great. You should try it, even though I know percentages are a little complicated for your tiny little racist brain.   I would challenge you to go see that Muslim friend you claim to have, and share some of your ideas with him. Show him this thread of trash that you've created. See if he still considers you a friend, if he exists at all.   You can continue sending messages if you'd like. It's DEFINITELY going to convince me that you're not a moron. You're not digging that hole deeper with every ignorant word you say at all. You're totally fooling us."


Well, if no one on reddit understands business, asking a question would be kind of futile. It would be guaranteed to be answered by someone that doesn't know business, which isn't exactly practical. (Not saying I agree with /u/illustrationism.)  On a more serious note, I think the biggest problem with asking questions on reddit is not that there's no one that can give a good answer, but that as someone who actually *needs* to ask questions (and therefore not an expert already), it's difficult to separate the wheat from the chaff when people respond. Good moderation or a userbase that is mostly experts can make it much easier.


[Who Killed the USPS?](http://www.theatlantic.com/business/archive/2011/12/who-killed-the-postal-service/249508/?google_editors_picks=true)  >The Postal Service Reorganization Act was intended to transform the mail system from a dysfunctional dumping ground for political patronage into a self-sustaining, independent agency. It was told, in other words, to act like a business. But the politicians never really let it.


"You didn't win in case B. Borrowing shares and then selling them is known as ""selling short"".  You received $2000 when you sold short 100 shares at $20.  You spent $1000 to buy them back at $10, so you come out $1000 ahead on that deal.  But at the same time, the 100 shares you already owned have declined in value from $20 to $10, so you are down $1000 on that deal.  So you've simply broken even, and you are still out the interest and transaction fees. In effect, a short sale allows you to sell shares you don't own.  But if you do already own them, then the effect is the same as if you just sold your own shares.  This makes it easier to see that this is just a complicated and expensive way of accomplishing nothing at all."


"did you pull that info from fox or something? please step out of your bubble, visit one of those countries and talk to people living there.  being a german myself, i can assure you our system isnt ""crumbling"" due to UHC, we had this for decades and as even you might have heard our economy is pretty fine besides the leiharbeit bullshit (the U.S. CEO repeatedly ranted about the german trade surplus on twitter).   granted, ours is one of the most expensive compared to other OECD countries and it could probably made more efficient, but shits made by humans, and those have flaws. its still only about 10% of GDP (pulled from german wiki).  how much did you spend on military again?   ^^^hint: ^^^never ^^^less ^^^than ^^^16%, ^^^usually ^^^around ^^^20%"


"Honestly, reddit should just become a non-profit. It's impossible to monetize it to the point of profitability without killing it. Instead of having [dozens of](http://web.archive.org/web/20160109193605/https://www.reddit.com/about/team) largely unnecessary roles like ""video producer"", ""writer"", and ""Ad Operations Lead"", ""Sales Operations Lead"", and various management roles, go back to the old days of having a small but hyper-focused group of software developers and IT guys running the site. That's how it was when reddit was great. It might even be greater because there won't be outside pressure from advertisers and shareholders trying ruin the community and software."


"The other half of the problem is the ""education bubble"", people getting degrees because they think they can't get any work without one.  To fix that we need to stop demonizing trade schools and skilled manual labor in general. We have far too many people wanting to run the business and not enough people who want to do the actual work."


The turbo kit is mainly used in OEM applications such as Audi. It also has forged mill compressor wheel, which brings numerous benefits to the exhaust. The technology used in the production of the turbos which provides a variety of benefits like reduction in the wheel weight of a reduced compressor, increased strength, and greater surface area of the compressor wheel.


For case 1, there is no tax due as you sold the book for less than your cost basis. If you had sold for more than $100, then you would have had a profit. For case 2, that depends on the value of the gift card with respect to the value of your fare. Most likely that gift card is less than the cost of the fare. And in that case it would generally be treated as a reduction in the purchase price. The same way that rebates and cash back on credit card are treated. Note if for some reason a 1099 was generated that would change the situation and you would need to consult a tax professional. Since that would indicate that the other party to the transaction had a different view of the situation.


I see two advantages to not paying student loan debt off more quickly: For #1, however, there are plenty of other ways to build credit and I don't see this as being worth the downsides of not paying off the debt more quickly. In fact, in the United States student loan debt cannot be written off if you go bankrupt. This is important to know and understand. I would generally advise you to pay down your student loans as quickly as you can reasonably do so.


Markets tend to go up over time, so most things you could buy would make money. A benchmark is meant to represent the market as a whole (or a subset that is relevant to what you are trading), so you can tell if your specific choices helped or hurt your return. As an example, say you pick two financial stocks, Citi and Goldman.  They get you a return of 10% for the year, so you think you made good choices.  But if the financial sector as a whole had a return of 20%, your choices weren't actually that great.


why experts have to claim?  What about that guy who has a family to support with little income. He not only works 7 days a week but also overworks daily.   Don't understand why a statement is bashed into the internet and then shared.


"This is all well and good, but sometimes you just run into an intractable manager.  There are plenty of managers out there who are both cheap and are generally resistant to budging on negotiations.  In those cases, your ""4th best negotiation tip"" is to have a best alternative to the job in your pocket."


"Eh. A FICO change is more important than you think.  Underwriting waterfalls almost always include **minimum** FICO scores. This only really becomes important when you get into securitization and the standards (both GSE and Private-Label) required for MBS issuance. Because -- of course -- an underwriter can originate a loan and then hold it it on the books (this is very prevalent in non-conforming Jumbo loans).  That said, if you want to sell the whole loans to a GSE or private label, they have to meet underwriting requirements (Reps & Warranties).   To your original answer: you're right that it probably won't make a difference but not because FICO doesn't matter. Moreso because there are only 9 million potential ""borrowers"" affected and that 9 million most likely doesn't constitute any real demand for mortgages.  This also ignores the possibility that FICO requirements in underwriting standards adjust to FICO 9; but I really doubt that they will."


Let me add another consideration to the company's side of the equation.  Not only is a 401K a tool for the company to make them competitive when recruiting employees among other companies that offer that benefit, it is also a good retention tool. Most company's 401K plans include a vesting period of at least 3 years, sometimes more. An employee that leaves the company before they are vested in the plan will have to give up some % of the employer matched funds in the account. This gives employees incentive to stick around longer and the company reduces the risk of turnover which can be costly in terms of training and recruiting. This also factors into the reason why employers would rather give matching on the 401K than a simple pay raise. Some of those employees are going to leave during the vesting period anyway, and when that happens the employer got the benefit of motivating (extrinsically) the employee, but in the end got to keep some of the money.


> Content providers pay for the right to access the network, just like you or I.  Yes.  They pay. So what are you arguing here?  Some can pay more, some can pay less.  If Netflix wants to use 37% of the total bandwidth in North America at peak times, there's no reason not to charge Netflix more for that service.  It's business.


"Auto loans are secured agains the car.  ""Signature"" loans, from a bank that knows and trusts you, are typically unsecured. Unsecured loans other than informal ones or these are fairly rare. Most lenders don't want to take the additional risk, or balance that risk with a high enough interest rate to make the unsecured loan unattractive."


The IRS Guidance pertaining to the subject.  In general the best I can say is your business expense may be deductible.  But it depends on the circumstances and what it is you want to deduct. Travel Taxpayers who travel away from home on business may deduct related   expenses, including the cost of reaching their destination, the cost   of lodging and meals and other ordinary and necessary expenses.   Taxpayers are considered “traveling away from home” if their duties   require them to be away from home substantially longer than an   ordinary day’s work and they need to sleep or rest to meet the demands   of their work. The actual cost of meals and incidental expenses may be   deducted or the taxpayer may use a standard meal allowance and reduced   record keeping requirements. Regardless of the method used, meal   deductions are generally limited to 50 percent as stated earlier.    Only actual costs for lodging may be claimed as an expense and   receipts must be kept for documentation. Expenses must be reasonable   and appropriate; deductions for extravagant expenses are not   allowable. More information is available in Publication 463, Travel,   Entertainment, Gift, and Car Expenses. Entertainment Expenses for entertaining clients, customers or employees may be   deducted if they are both ordinary and necessary and meet one of the   following tests: Directly-related test: The main purpose of the entertainment activity is the conduct of business, business was actually conducted   during the activity and the taxpayer had more than a general   expectation of getting income or some other specific business benefit   at some future time.   Associated test: The entertainment was associated with the active conduct of the taxpayer’s trade or business and occurred directly   before or after a substantial business discussion. Publication 463 provides more extensive explanation of these tests as   well as other limitations and requirements for deducting entertainment   expenses. Gifts Taxpayers may deduct some or all of the cost of gifts given in the   course of their trade or business. In general, the deduction is   limited to $25 for gifts given directly or indirectly to any one   person during the tax year. More discussion of the rules and   limitations can be found in Publication 463. If your LLC reimburses you for expenses outside of this guidance it should be treated as Income for tax purposes. Edit for Meal Expenses: Amount of standard meal allowance.   The standard meal allowance is   the federal M&IE rate. For travel in 2010, the rate for most small   localities in the United States is $46 a day. Source IRS P463 Alternately you could reimburse at a per diem rate


One piece of information you didn't mention is how much you paid for the original home.  If you hold onto that home for too long you will have to pay capital gains on the difference between sale price and original price. This can be a TON of money, thousands of dollars easily. The rule is: If you lived in a home for 2 out of the past 5 years, you don't have to pay the capital gains tax. So  if you just moved, you have 3 years to sell.  Perhaps as a compromise you can try renting it for 3 years and then selling it a few months before the deadline.


Agree with some of the posts above - Barchart is a good source for finding unusual options activity and also open interest -https://www.barchart.com/options/open-interest-change


I believe that the same message could be sent without shutting the company and putting thousands of people on unemployment and hurting shareholders. Dissolving the company would only hurt everyone except the people responsible who almost certainly have golden parachutes in their employment contracts.  How about penalizing them by assessing an extra cyber-breach tax on their revenues? Or seizing stock options and assets of the top level execs and only releasing portions after X many months without a security breach? Or use the fines to fund an initiative that companies need to be bonded against data loss with the rates set by security experts doing audits on the companies?  There are plenty of ways to improve the situation without putting them out of business. At the very worst, the company should be put up for sale to be taken over by a holding company that can manage the process of bolstering their security instead of just liquidating assets which would only hurt the innocent bystanders in the incident.


"For a fight this big it would be done via an escrow account and the terms would be set in advance. There would be no ""check"" for him to cash. He has no idea what he's saying and this is probably why he is in trouble with the IRS. He is using the same concepts for a $10 doctor's visit copay and applying it to a multimillion dollar contract with giant media conglomerates."


Many brokers offer a selection of ETFs with no transaction costs. TD Ameritrade and Schwab both have good offerings. Going this route will maximize diversification while minimizing friction.


Safety shoes were once used by mine workers in South Africa and very few staff across the world. These Shoes were bulky, ugly and were used by men only if they really required strong protection. They come with waterproofing, steel toes, solid leather material to avoid any injuries to the feet. But today, ask any leather safety shoes supplier in Qatar, safety shoes are making fashion statements.


I don't know how taxes work in Israel, but I imagine it is relatively similar to taxes in the US. In the US you need to pay taxes on investment earnings when you sell them or in this case trade them for something of value. The amount that would typically would be taxed on would be the difference between how much you paid for the currency and the value of the item you traded it for.  In theory there shouldn't be any difference in trading bitcoins versus dollars or euros. Reality is that they are rather weird and I don't know what category they would fall into. Are they a currency or a collectors item? I think this is all rather hypothetical because there is no way for any government to track digital currencies and any taxes paid would be based on the honor system.  I am not an account and the preceding was not tax advice...


I've had the same thoughts recently and after reading Investing at Level 3 by James Cloonan I believe his thesis that for the passive investor you're giving up too much if you're not 100% in equities. He is clear to point out that you need to be well aware of your withdrawal horizons and has specific tactics for shifting the portfolio when you know you must have the money in the next five years and wouldn't want to pull money out when you're at a market low. The kicker for me was shifting your thought to a plotting a straight line of reasonable expectations on your return. Then you don't worry about how far down you are from your high (or up from your low) but you measure yourself against the expected return and you'll find some real grounding. You're investing for the long term so you're going to see 2-3 bear markets. That isn't the the time to get cold feet and react. Stay put and it will come back. The market gets back to the reasonable expectations very quickly as he confirms in all the bear markets and recessions of any note. He gives guidelines for a passive investing strategy to leverage this mentality and talks about venturing into an active strategy but doesn't go into great depth. So if you're looking to invest more passively this book may be enough to get you rolling with thinking differently than the traditional 70/30 split.


If you even qualify for a no-down payment USDA loan, which I'm not sure you would. It would be extremely risky to take on a $250K house loan and have near-zero equity in the house for a good while. If property values drop at all you are going to be stuck in that house which likely has a pretty high monthly payment, insurance, taxes, HOA fees, maintenance costs, etc.  My rule of thumb is that if you can't come up with a down payment, then you can't afford the house. Especially with that much debt hanging over your head already. If one major thing goes wrong with the house (roof, A/C, electrical, etc.) you are going to put yourself in a world of hurt with no clear path out of that financial trap. My suggestion: Keep renting until you have enough money for a downpayment, even if this means downsizing your price range for houses you are considering.


Yes, it is.   The reason they are forced out, is because their homes become so valuable.   If you living in a home that has become worth millions, and can't afford the taxes, then sell up and enjoy your riches.       Should that necessary tax money instead come from the working class, to subsidize millionaires that want to stay in their homes?


Really all you need to know is that American style can be exercised at any point, European options cannot be exercised early. Read on if you want more detail.  The American style Call is worth more because it can be exercised at any point. And when the company pays a dividend, and your option is in the money, if the extrinsic value is worth less than the dividend you can be exercised early. This is not the case for a European call. You cannot be exercised until expiration. I trade a lot of options, you wont be exercised early unless the dividend scenario I mentioned happens. Or unless the extrinsic value is nothing, but even then, unless the investor really wants that position, he is more likely to just sell the call for an equivalent gain on 100 shares of stock.


Without access to the ATM/debit card and with almost nothing in savings, you will probably have to visit a branch to make a cash deposit. If it is too far to drive you might be able to turn the cash into a money order and mail it to the bank, but I would check with the bank to see if that would work. Of course mail will take a day or two.


December, 9, 2011 (01:30pm) :- December rally comes to be end yesterday. on 1st December Nifty starts with the bullish mark of 5000 but all these rally are hurted by the non -  confidence on the FDI policy in multi brand but little bit effect also comes from the hearing on 2G spectrum case in which our home minister Mr. Chidambaram are on the accused on the trials.  That's why investors are dissatisfy and starts selling on the Nifty.  Our domestic Institutional investors are totally in selling position on 7th December, they sold Rs 190.11 & on 8th December, they are sold Rs 197.51 in stock market.  Nifty have strong support at 4850 above this level it's trend totally bullish side.


The biggest issue is your lack of diversification.  Your real estate investments have performed quite well so far, but you have also likely enjoyed a period of unprecedented growth that is not sustainable. In the long term, stocks have always outperformed real estate investments, which tend to track more closely to the inflation rate. You need more balance for when when the real estate market cools off. You don't mention tax-deferred retirement savings accounts. You should prioritize your attention to these to keep your income tax low. Consider selling one of your investment properties if you can't adequately fund the 401k.


"Liquidity is highly correlated to efficiency primarily because if an asset's price is not sampled during the time of a trade, it's price is unknown therefore inefficient.  Past prices can be referenced, but they are not the price of the present.  Prices of substitutes are even worse. SPY is extremely efficient for an equity.  If permitted, it could easily trade with much lower ticks and still have potential for a locked market. Ideal exchange An ideal exchange has no public restrictions on trade.  This is not to say that private restrictions would need to be put in place for various reasons, but one would only do that if it were responsible for its own survival instead of being too big to fail. In this market, trades would be approximately continuous for the largest securities and almost always locked because of continuous exchange fee competition with ever dropping minimum ticks. A market that can provide continuous locked orders with infinite precision is perfectly efficient from the point of view of the investor because the value of one's holdings are always known. EMH In terms of the theory the Efficient Market Hypothesis this is irrelevant to the rational investor. The rational investor will invest in the market at large of a given asset class, only increasing risk as wealth increases thus moving to more volatile asset classes when the volatility can be absorbed by excess wealth. Here, liquidity is also helpful, the ""two heads are better than one"" way of thinking.  The more invested in an asset class, the lower the class's variance and vice versa.  Bonds, the least variant, dwarf equities which dwarf options, all in order of the least variance.  Believe it or not, there was a day when bonds were almost as risky as equities. For those concerned with EMH, liquidity is also believed to increase efficiency in some forms because liquidity is proportional to the number of individuals invested thus reducing the likelihood of an insufficient number of participants. External inefficiency In the case of ETFs that do not perfectly track their underlying index less costs at all times between index changes, this is because they are forbidden from directly trading in the market on their own behalf. If they were allowed and honest, the price would always be perfect and much more liquid than it otherwise should be since the combined frequency of all index members is much higher than any one alone. If one was dishonest, it would try to defraud with higher or lower numbers; however, if insider trading were permitted, both would fail due to the prisoner's dilemma that there is no honor among thieves.  Here, the market would detect the problem much sooner because the insiders would arbitrage the false price away.   Indirect internal efficiency Taking emerging market ETFs as an example, the markets that those are invested into are heavily restricted, so their ETF to underlying price inefficiencies are more pronounced even though the ETFs are actually working to make those underlying markets more efficient because a price for them altogether is known."


"> Sessions has literally said, ""I thought those KKK guys were fine until I found out they smoked pot.""  He may well be a racist, but it's hard to imagine taking that comment seriously.  *Barry Kowalski and Albert Glenn, attorneys at the Justice Department, testified that they heard Sessions make the KKK comment but had considered it a joke. Kowalski even retold Sessions’s comment to other people “as a story in a humorous vein.” He said: “When working on a case such as this one, a brutal murder and a hanging, those that work on it sometimes do resort to operating room humor and that is what I considered it to be at the time.”*  *Later in the hearings, Sessions said Figures’s assertion that Sessions seriously made the comment is “ludicrous.” “I had just learned that the investigation had revealed that the Klansmen had left some meeting, and gone to another one, and smoked pot. The comment ridiculed the Klan. I detest the Klan.”*  There do seem to be a considerable number of claims that he has said or acted in racist ways though (though he denies it): https://www.washingtonpost.com/news/fact-checker/wp/2016/12/02/jeff-sessionss-comments-on-race-for-the-record/ (previous quote from that source also)"


I have been using Bill Pay from BoA, Chase, and a local Credit Union, all for at least five years (maybe even 10), and never had any issues with lost checks. Sometimes, an address given to me was incorrect, and what happens is either nothing (meaning, after 90 days, the check is considered outdated and the money gets reimbursed in the account) the bank notifies me after about two weeks that the check was returned as 'recipient not found at that address' or 'invalid address', and the money gets restored right then. That is no guarantee, of course, that nothing will ever happen. But banks are not supposed to accept checks where the recipient name does not match. Also, you should consider using 'Quick Pay' or 'Pay an individual' instead, whatever your bank calls it. That will transfer the money same or next day to your other account, without ever mailing a check. You do not need to enter account information across banks, it works by both banks contacting you through your logins/emails.


"I started with lending club about a year ago.  I love it.  It has been insightful.  Off topic, but I am in a loan to a guy who make 120K a year and is regularly late and has a pretty high interest rate.  Crazy. You gain some economies of scale by going with a bigger note.  I have $100 notes that I get hit for 2 or 3 cents for a fee, where $25 notes are always a penny.  However, I don't think that should be your deciding factor. I scale my note purchases based on how much I like the status of the borrower.  For example, I did $100 (which is currently my max) for a guy with a reasonable loan amount 16K, a stable work history (15+ years), a great credit history, and a great interest rate (16.9%).  If one of those things were a bit out of ""whack"".  I might go $50, two $25.   I prefer 36 month notes, really 5 years to get out of debt?  It is unlikely to happen IMHO. Keep in mind that if you invest $100 in a loan, then you get one $100 note.  You can't break them up into 4 $25 notes.  For that reason, if you are likely to want to sell the note prematurely, keep it at $25.  The market is greater.   I've had a lot of success using the trading account, buying further discounted notes for people who want out of lending club, or get spooked by a couple of late payments and a change in billing date.   Another advantage of using the trading account is you start earning interest day 1.  I've had new notes take a couple of weeks to go through.   To summarize: There are some other things, but that is the main stuff I look at."


"He was Head of Public Health education in Sweden, responsible for (among other things) educating Swedish medical students on health trends.  He identified wild areas of consistent ""positive"" ignorance (where wrong ideas can't be attributed to no knowledge) among the student population.    This got him investigating how widespread these wrong ideas were in the Swedish public, which led him then to the EU, and then to all Europe and North America.  Which then led to him creating a foundation to study this form of ""ignorance"" among educated people (where they do worse on statistical knowledge than would be produced by random results).    The 3 areas they identified are Personal Bias (from limited personal experience), Education bias (from outdated teaching) and News bias (from ""the unusual sells stories"").    I don't know that he's done surveys in 3rd world (I'd imagine similar results) but he's mostly trying to fight first world ""ignorance"" by getting people to recognize and reverse their thought errors (things are generally getting better everywhere, most people are in the middle, rich and poor are one solid ""bell"" curve, You should assume you are over-estimating things that scare you)  This has huge implications for anyone doing planning -- as he points out ""no wonder people think you can never eliminate poverty"" when they don't know that we eliminated half of world poverty in the last 20 years."


"The ex indicator is meant to be a help for market participants.  On the ex-day orders will go into a different order book, the ex order book, which at the start of the ex day will be totally empty, i.e. no orders from the non-ex day book have been copied over. Why does this help?  Well imagine you had a long-standing buy order in the book, well below the current price, and now the share price halves due to a 2-for-1 split, would you want to see your order executed? If so, your order should have gone into the ex-book which is only active on the ex-day (and orders in the ex book are usually copied over to the normal book on the day after the ex-day but this is exchange-specific). Think of it as an additional safety net to tell the exchange: ""I know what I'm doing: I want to buy this stock totally overpriced after the 2-for-1 split"". Now some exchanges and/or some securities (mostly derivatives) linked with the security in question don't have this notion of ex or the ex-book, and they will tell you by ""will not be quoted ex"" or ""the ex indicator is missing"". In your case (SNE) it is a sponsored ADR, the ex-date was Mar 28 2016, one day before the ex date of the Japanese original.  According to my understanding of NYSE rules, there is no specific rule for or against omitting the ex-indicator.  It seems to be a decision on a case by case basis.  Looking through the dividends of other Japanese ADRs I drew the conclusion none of them have an ex-book and so all of them are announced as: ""Will not be quoted ex by the exchange"".  Again, this is based on my observations."


Let's say the company has a million shares valued at $10 each, so market caps is $10 million dollar = $10 per share. Actual value of the company is unknown, but should be close to that $10 million if the shares are not overvalued or undervalued.  If they issue 100,000 more shares at $10 each, the buyers pay a million dollar. Which goes into the bank account of the company. Which is now worth a million dollar more than before. Again, we don't know what it is worth, but the market caps should go up to $11 million dollar. And since you have now 1,100,000 shares, it's still $10 per share.  If the shares are sold below or above $10, then the share price should go down or up a bit. Worst case, if the company needs money, can't get a loan, and sells 200,000 shares for $5 each to raise a million dollars, there will be suspicion that the company is in trouble, and that will affect the share price negatively. And of course the share price should have dropped anyway because the new value is $11,000,000 for $1,200,000 shares or $9.17 per share.


If it's long enough to make a pitch that seems like it can't be that short. I don't like that Uber is calling and canceling rides, but I don't think they are responsible for determining how long a ride must be in order for it to be profitable for Lyft.


I'd like to propose a 4th option: Let your kid(s) take out their own student loans, and then you can make payments directly to help them pay them down. Some advantages to this method: Note the many similarities to the HELOC, which would probably be my second choice.


Like Mingy said, it probably won't hurt. Maybe don't stick it on every package but put it on your site and just get it out there. Those who want to read it will, and those who don't have the choice not to. Best of luck.


Might make more money if they partnered with ISPs and got a share of their revenue, since Netflix is basically a feature of the product that ISPs are selling, and we (mostly) assume everyone watching Netflix (legal or otherwise) has an internet connection.


You're assuming a lot about specific forms the upload process would take. Those assumptions are **not** safe ones.  Consider for example the notion of an augmented mind that is given a presence in cyberspace... which wouldn't *stop* if the meat-brain died. Genuine *transfer* of continuity.


Security companies employing the same people who are currently police or military. Your property is your castle, and you'd only go to other properties that have rules that you consent to follow. Roads, naturally, would have the most lenient rules since their shareholders want as many normal people to use them as possible. The difference from today is that the government sets up a monopoly of law that everyone must follow, even though populations differ.  Rather than everyone fight to control the monopoly who sets up the rules, we each have our own rules and competing security companies who may charge different prices based on what level of rule precision they must enforce (such as a basic tier of policing violence, theft... higher tier for policing the sort of things that HOAs enforce today).  Basically, if you want extra rules that aren't necessary and not very popular, you pay for that. In this way, most people would be ok with not policing people who do victimless behaviors such as casual nudity or possession of dried plant life (drugs).  In this system, trust and history matter. A company who changed its name suddenly becomes brand new, and therefore untested and with no history. It must start at the bottom of the trust ladder. Brands are valuable precisely because they exhibit a history of the company. You know Kellogg's cereal, or Toyota cars, or Apple computers are quality. People regulate the market, that's the point. The government is a monopoly, so we customers don't have control... 1 vote every few years is much less than having 10 votes every day (free market voting with our money).


Your answer will need loads of information and clarification, so I will ask you to visit the VAT and have a peruse. 1) Obligation is for you to find out the correct rate of VAT, charge and pay tax accordingly. You can call up the HMRC VAT helpline for help, which they will be happy to oblige. Normally everybody pays VAT every 3 months or you can pay once in a year. 2) Depends on your annual turnover, including VAT. Less than £150000 you join the Flat rate scheme. There are schemes for cultural activities. Might be good to check here on GOV.UK. 3) If you pay VAT in EU countries, you can reclaim VAT in UK. You need to reclaim VAT while filing in your VAT returns. But be careful about your receipts, which can be checked to verify you are not defrauding HMRC.  The basic rule is that B2B services are, as the name suggests, supplies from one business to another. And, subject to some exceptions, are treated as made where the customer belongs. No VAT is chargeable on B2B supplies to an overseas customer. But where you make a B2C supply, VAT depends on where your customer is located: 1) if they are outside the EU, you don’t need to charge VAT 2) if they are located in an EU country, then you must charge VAT. Source All in all keep all records of VAT charged and paid to satisfy the taxman. If the rules get complicated, get an accountant to help you out. Don' take chances of interpreting the law yourself, the fines you might pay for wrong interpretation might be a deal breaker.


I'm no proponent for wealth inheritance but the government taking it is no solution. Voluntary charity is which his children will most likely be doing. Doesn't matter if the money end up in the US or Asia though although personally I think Asia needs it more.


I must say that this is a question that you should hire a professional tax adviser (EA/CPA licensed in your State) to answer. It is way above our amateurs' pay-grade. That said, I'll tell you what I personally think on the issue. I'm not a licensed tax adviser, and nothing that I write here can be used in any way as a justification for any action. Read the full disclaimer in my profile. I believe you're right to treat those as assets. You bought them as an investment, and you intend to sell them for profit. Here the good news for you end. As we decided to define the domains as an asset, we need to decide what type of asset it is. I believe you're holding a Sec. 197 asset. This is because domain is essentially akin to franchise and trademark, and as such falls under the Sec. 197 definition. That means that your amortization period is 15 years. Your expenses related to these domains should also be amortized, on the same schedule. When you sell a domain, you can deduct the portion that you have not yet deducted from the amortization schedule from your proceeds. Keep in mind passive loss limitations, since losses from assets held as investment cannot offset Schedule C income.


For the period 1950 to 2009, if you adjust the S&P 500 for inflation and account for dividends, the average annual return comes out to exactly 7.0%. Source. Currently inflation is around 2%.  So your 2% APY is a 0% real return where the stock market return is 7%.  I.e. on average, stocks have a return that is higher by 7.   If you mix in bonds, 70% stocks to 30% bonds, your real returns will drop to around 5.5%, but you are safer in individual years (bonds often have good years when stocks have bad years).   We're making a bit of a false dichotomy here.  We're talking about returns on stocks in retirement accounts versus returns on CDs in regular accounts.  You can buy stocks in regular accounts and it is legally possible to have a CD in a retirement account.  So you can get bankruptcy protection and tax advantages with a CD.


Keep in mind collectors are trying to get you to react emotionally, which is having some effect as you are considering bankruptcy.   ...threatening me with judgments... Did they threaten to take away your first born son too?  Many of their threats are empty.  Even if you do have a judgement, you may be able to negotiate with the lawyer that is handling the judgement.  Once you don't pay them anything for a few years, they are more likely to negotiate. It is good that you recognize that it was your dumb decisions that got you into this mess.  Once on the other side of all this cleaning up that you have to do what will you change so this does not happen again?  What raises a red flag for me is that you are worried about your credit score.  Trying to have a good credit score is what got you into this mess in the first place. Stop borrowing.


"Updating current reactor tech largely reduces ""radioactive waste?"" Exactly by how much will this reduce radioactive waste? And I hope you can clarify, but when you put ""radioactive waste"" within quotes you could be misinterpreted as downplaying the perilous nature of a deadly substance who's mere milligrams will poison and even kill every orgasm that ingests it -- over the next 250,000 years.  Something /energy ignores and even censors on their subreddit is the question of where will nuclear waste be stored. Our species has had a strong couple thousand years but considering how we collectively mishandle even the simplest of tasks - how arrogant are we to believe we can safeguard the storage of a deadly substance for the next quarter-million years? Windmill 1.0 can just be taken down and even recycled into Windmill 2.0"


"> Are there any good reasons for apps to keep tracking you even if you're not using it ?  Uh yeah, so they can collect revenue by selling the data they collect.  Duh...   /s  Seriously though, its been in Apples best interest to encourage this type of monetization, because it incentivizes app developers to create apps and release them for ""free""."


> My wife is trying to start a business. She has no experience at all.  Don't put in too much money. Use this as a chance to learn because she's going to have a bad experience.   > She is working with the husband of a friend who is importing products from China.  Red flag #1.   > He is in China and his wife is in the USA on a tourist visa (no work allowed but she works)  Red flag #2.   > I have caught this guy lying or being way less than transparent many times.  You're telling me that a guy using his wife to illegaly conduct business in the US isn't above board? I'm shocked.  Shocked, I tell you.  > I think he thinks others are stupid and can not easily see his misdeeds.  That could be a red flag, or he could be correctly reading the situation.  You said your wife has no experience in this arena, so why would he listen to her?   > “You tried to screw with me and my wife too many times so F you”   Red flag #3.  Don't mix business with emotions.   >  I am asking for a settlement or I will do everything in my power to totally screw up his life  Red flag #4.   > It will never stop or improve if the second party has a less than acceptable level of honesty and transparency.  This is why contracts and lawyers exist.  In business, everyone thinks they're making out better than the person on the other end of the table.  If they didn't, they would ask for more.  There can be mutually beneficial situations, but showing all of your cards is a great way for them to be used against you during negotations.   > It is a startup not big money, but us being in the USA as lawful citizens (me USA born, my wife naturalized Chinese ), we hold the risk here.  Yeah, don't knowingly break the law.  The risk is too high for you.  > I lived in China for ten years. Over there, the Chinese do, in almost all cases, all they can do to screw foreigners   Red flag #5.  Why do you want to be in business with a group you think will almost always exploit you?   > My wife thinks that because they are Chinese (the other party), I should be willing to accept this behavior. I totally disagree.  Red flag #6.  Don't use stereotypes to make judgment calls.   > My wife wants to have her own company very badly and she is very disappointed.   Life is full of disappointment, and you can't wish for success. Well, you can, but you end up in situations like these.   > Do you agree when dealing with lying business “partners” if the offenses continue, even after a warning, that all bets should be off and one should change into “screw them” mode and claw back all possible money/power via all available legal resources?  Say it with me.  CONTRACTS! CONTRACTS! CONTRACTS!  I'm not talking about a quick signature on a napkin.  I'm talking about vetted and formalized.  You have clear expectations.  You have remediation.  You have timeframes.  If they don't deliver the promised expectation then you sue them.   If you act on emotions then you are likely to do yourself more harm than good.  If you don't think you can recover what you're due, you shouldn't be in business with a shady operator to begin with.   > Comments?  Talk to a lawyer.  You need to understand your risk and liability.  If you're fine, stop investing money into this venture. You'll be taken for all you're worth.


They *love* regulations that benefit them. They are also a big government party which consistently expands the power of the executive every time they are in office. They love big government, just not *your liberal big government* aka one which *forces* states to let people enjoy progressive civil liberties.


>But productivity should increase likewise driving prices down by the same amount.      Really? My experience in business has been that when we lower production costs the last thing that we do is lower the price. In fact I've never known it to happen.


In Louisiana there's no law against selling any type of alcohol from a drive through. Other states like Texas, has a law limiting the sell of hard drinks from drive-thrus. This limits their customer base to on site sales and drinking. Because hundreds more customers can be served a night, there are a LOT more Daquri places in La.


"The transfer is easy. Usually you just sign over the title to the new owner, and you're set.  Blue book price is a fantasy designed to get you in a car dealership to trade in your car. You won't get ""blue book"" pricing. I would use NADA ""Yellow Book"" or Edmunds TMV pricing as a guide. A dealer won't pay you a good price, but will take the car off your hands quickly. Selling a car privately can be a real pain if you don't have the personality for it. You'll get more money and more hassle. Figure out where people do private party sales in your area. In my area, there's an autotrader magazine that dominates the market. Craigslist is going to attract the types of people who frequent craiglist, which is not always a good thing."


This has been a problem for sometime. The lobbies for the metals used in the minting process, specifically Zinc, have been successful time and time again in keeping it off the radar. And when law makers go to Washington, they're much more interested in something more high profile than a bill to discontinue the penny.  Also, the upside is only saving small amounts of money over time, which doesn't interest them either, versus a debate over nostalgia. And if you want evidence of how visceral the public can muster over something completely inconsequential go ask Neil DeGrasse Tyson how well downgrading Pluto went.


If the republican were smart(not) they would rework and refine Obama care. Instead of obsessing over the fact that the current health care bill is a democratic program, by refining and reworking it they would be known as the party that made Obamcare better.


In six months, there is little you can do that will significantly affect your future credit rating other than trying to avoid paying for something by leaving the country. As we keep telling people, the best things you can do for your credit rating are to have a good income and Don't Be Stupid about misusing credit.


I'm building a big addition onto my house. It's my third huge construction job. I use Amazon to buy tools, lighting, wire, radiant heat supplies, small appliances, smart home items, and specialty parts. HD and Lowes are good for cheap or heavy items. I also want to inspect my lumber, but even that is better delivered from a lumber yard when I need more than a few dozen boards or sheets of drywall. I have things delivered to my house almost daily from Amazon.


"My number one piece of advice is to see a tax professional who can guide you through the process, especially if you're new to the process. Second, keep detailed records. That being said, I found two articles, [1] and [2] that give some relevant details that you might find helpful. The articles state that: Many artists end up with a combination of income types: income from   regular wages and income from self-employment. Income from wages   involves a regular paycheck with all appropriate taxes, social   security, and Medicare withheld. Income from self-employment may be in   the form of cash, check, or goods, with no withholding of any   kind. They provide a breakdown for expenses and deductions based on the type of income you receive.  If you get a regular paycheck: If you've got a gig lasting more than   a few weeks, chances are you will get paid regular wages with all   taxes withheld. At the end of the year, your employer will issue you a   form W-2. If this regular paycheck is for entertainment-related work   (and not just for waiting tables to keep the rent paid), you will   deduct related expenses on a Schedule A, under ""Unreimbursed Employee   business expenses,"" or on Form 2106, which will give you a total to   carry to the schedule A. The type of expenses that go here are: If you are considered an independent contractor (I presume this includes the value of goods, based on the first quoted paragraph above): Independent contractors get paid by cash or check with no withholding   of any kind. This means that you are responsible for all of the Social   Security and Medicare normally paid or withheld by your employer; this   is called Self-Employment Tax. In order to take your deductions, you   will need to complete a Schedule C, which breaks down expenses into   even more detail. In addition to the items listed above, you will   probably have items in the following categories: Ideally, you should receive a 1099 MISC from whatever employer(s) paid you as an independent contractor. Keep in mind that some states have a non-resident entertainers' tax, which is  A state tax levied against performers whose legal residence is outside   of the state where the performance is given. The tax requires that a   certain percentage of any gross earnings from the performance be   withheld for the state. Seriously, keep all of your receipts, pay stubs, W2's, 1099 forms, contracts written on the backs of napkins, etc. and go see a tax professional."


The menu is too big again. Mcdonald's basically created the streamlined menu when they realized no one ordered hot dogs etc at their first restaurant. We saw this problem arise 8-10? years ago., they pared down the menu and came back. Not only does the bigger menu confuse the customers but slows down service.


Regardless, it doesn't indicate any financial stress or credit-related issues.   Just because you are pissed off about the way the financial industry works, doesn't mean the banks are in poor shape. If France and Germany come crashing down, then you may have some evidence to back your point.


I'm an idiot. Certainly not worthy of all this fancy formatting and linking you've done.   I confused the Gen X cut-off with Baby Boomers.   I implied that Gen X, as middle managers, had direct operational control over decisions that led to financial crisis. You chose to ignore that point entirely.


Assuming you are allowed to trade freely, you can use free labor to pull money into your economy from outside your borders.  This net influx of money will increase your overall wealth.   I has the double effect of allowing you to undercut any competitor and having none of your people spending their earnings outside your borders.  Because of this, it would be a mistake for anyone to enter into trade with you.


They have not. I use to be on of those people and a friend pointed it out to me.   I did not do it all the time but often enough. Now I am much more self aware.  I do know someone who does have an impossible time eating with his mouth closed. He knows this and makes sure to never eat with co-workers.


"> h that, there's pretty much no real way to look at a menial-style job and say, ""That deserves $15 an hour."" > The two reasons above combine and make a strong argument for something like a basic income or drastically  expanded welfare and safety net programs. > A further failing of the ""retrai  Agreed.  Growth always leaves certain demographics behind.    I think $15/hour is dependent on location.. in Seattle even @ $15 you're screwed.  In other areas, $15 an hour is great!    The economy is evolving whether we accept it or not.  While re-training certainly shouldn't be the only approach.. it needs to be a big part of the humane solution to displaced workers."


I would say that, for the most part, money should not be invested in the stock market or real estate.  Mostly this money should be kept in savings: I feel like your emergency fund is light.  You do not indicate what your expenses are per month, but unless you can live off of 1K/month, that is pretty low.  I would bump that to about 15K, but that really depends upon your expenses. You may want to go higher when you consider your real estate investments.  What happens if a water heater needs replacement?  (41K left) EDIT:  As stated you could reduce your expenses, in an emergency, to 2K.  At the bare minimum your emergency fund should be 12K.  I'd still be likely to have more as you don't have any money in sinking funds or designated savings and the real estate leaves you a bit exposed.  In your shoes, I'd have 12K as a general emergency fund.  Another 5K in a car fund (I don't mind driving a 5,000 car), 5k in a real estate/home repair fund, and save about 400 per month for yearly insurance and tax costs.  Your first point is incorrect, you do have debt in the form of a car lease.  That car needs to be replaced, and you might want to upgrade the other car.  How much?  Perhaps spend 12K on each and sell the existing car for 2K?  (19K left). Congratulations on attempting to bootstrap a software company.  What kind of cash do you anticipate needing?  How about keeping 10K designated for that?  (9K left) Assuming that medical school will run you about 50K per year for 4 years how do you propose to pay for it?  Assuming that you put away 4K per month for 24 months and have 9K, you will come up about 95K short assuming some interests in your favor.  The time frame is too short to invest it, so you are stuck with crappy bank rates.


No matter what kind of contract you create for your partnership it will cost money to enforce it. Breaking the law is, well, against the law to begin with. You don't need to get a signed contract promising that they won't break the law. You could possibly get them to sign something that states if the contract is breached or laws are broken by one party, they forfeit their shares in the venture, but again you'll have to prove it and lawyers cost money. if the venture is paying you both then he/she will have the same capitol for legal defense.   In some cases you can propose a trial period in partnerships. You can try doing business as separate entities for 1-2 years after which you can merge. After two years working together there should be some trust built up. If not, you shouldn't do business with this person anyway.   Just my two cents. To be clear, I'm not a lawyer. You should probably ask a lawyer about this, actually.


Vice: One of the few legitimate journalism sources left out their (Just my opinion, dont down vote me into oblivion for having an opinion pls- thanks) . I still remember when the founder (i think it was the founder) got into north korea - that shit was great.


Ummm I bet we didn't 'work less'. Everyday was a fight for survival.  With no way to preserve food we either had to hunt gather daily and follow the food sources.  While at the same time finding/building shelter, clothing and taking care of the family.  A successful hunt would obviously be celebrated but a failed hunt could be disastrous.


"Not really. There was a hiring freeze and most agencies are limited to replacement hiring only, but there hasn't been any massive reduction in force. To the extent he did ""fire people,"" they were political appointees ordinarily replaced with the new administration. While most of those positions haven't been filled by a new appointee, this just means that someone is temporarily performing that job in an ""acting"" role."


"Friedman (and libertarian philosophy) has a lot of good ideas when it comes to the general economy. But, healthcare is one of those things that, in my opinion, should not be left up to a ""free market."" Arguably we do not have a free market anyway, so all the more reason not to hand our lives and well being over to profit seeking corporations. If we had actual competition and the government nurtured good business practices (instead of corruption) then I would have more confidence in deregulation. I think the waste/inefficiency that government introduces does less damage than immoral profit seeking on the backs of sick people."


> Businesses aren't a charity - they pay for work and exist for profit. They aren't supposed to have feelings. So austerity and getting the most out of your employees causes the company to become lean and efficient.  I agree. That's why I require that my employees sleep at the office so they don't waste time driving back and forth. Much more efficient. Sadly, the Department of Labor disagrees, so its a no go until the lawsuit gets resolved. Goddamn guvermint regulation getting in the way of us job creators.   > Canadians have been becoming more skeptical of Tim Hortons since before the buyout from Burger King and 3G. 3G didn't significantly change the values and product, they cut costs and made it a less cushy environment. The ill will toward Tim Hortons was not caused by 3G, as you suggested.  *cough* http://www.cbc.ca/news/business/tim-hortons-class-action-1.4167739 *cough*.


"No it isn't. Socialism has never flattened disparity. Learn some history and stop giving old concepts new names in an effort to clean the slate.  Giving everyone an equal quantity of money does nothing. If you scale the support relative to ""need"", well then.... the 20th century would like to have a word with you.   Few more dangerous, oppressive and disastrous forms of government have ever been seen."


Aside from the fact that there are massive problems with taxes, liability, fiduciary responsibility, and (assuming you're accepting any sort of compensation at all) licensing. The mere fact that you're asking this question indicates that you're probably not suitably qualified to handle this for others. Why not have someone qualified handle this?


They have been good stores for me but after Martha Stewart went away, they really don't stand out from Walmart that much. In my area, the K-mart is located in a better area than Walmart, yet don't have the prices of a Target.  Also, electronics there are overpriced


Fuccillo Automotive Group is one of the largest auto groups in the United States and we are expanding rapidly in the Florida market as the #1 Kia Dealer in the WORLD! We offer first class sales and service for our valued customers. We also uphold integrity in our business practices through a staff of experienced and qualified employees.


Uhh, why would amazon raise prices? Their divisions Already make a profit. They are using divisional profit to launch other divisions. There will be areas where it fluctuates, but this isn’t a loss-leader strategy nor are they burning through VC money trying to get a good strategy off the ground.   This is the strategy. This is the business. And it’s working.


"At some point isn't it counter-productive to slap warnings on so many products that have an unproven correlation with increased cancer risk?    Where do you stop? Grilling food increases carcinogenic compounds in food. Does California need warning labels on grills?  Once there are enough warning labels they'll just get ignored, defeating the original purpose. Has your mattress warning label really made you more cautious about potential fire hazards?   While I don't know if RoundUp really increases cancer risk  (I'm inclined to doubt it given the last couple decades of 'human trials"" and no clear science based evidence that I'm aware of) I do know that crying wolf is the best way to condition people to ignore serious warnings about real risks."


Typically tax treaties will cover double taxation (taxes paid in one jurisdiction are deducted in the other jurisdiction so there is no double tax). You'll need an accountant and attorney with experience in international business setups to confirm and determine which jurisdiction gets first priority of tax payment.  In short, this is the wrong place to get a good answer. Talk to (and pay for) professionals to get you properly set up.


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"During Graham's career, gold and currency were the same thing because of the gold standard. Graham did not advise investing in currencies, only in bonds and stocks, the latter only for intelligent speculation. Graham died a couple of years after Nixon closed the gold window, ending the gold standard.  Gold may be thought of as a currency even today, as endowments and other investors use it as a store of value or for diversification of risks. However, currency or commodities investing does not seem Graham-like. How could you reliably estimate intrinsic value of a currency or commodity, so that you can have a Graham-like margin of safety after subtracting the intrinsic value from the market value?  Saying that gold is ""clearly underpriced in today's market"" is just hand-waving. A Graham analysis such as ""net net"" (valuing stocks by their current tangible assets net of all liabilities) is a quantitative analysis of accounting numbers audited by CPAs and offers a true margin of safety."


I'm not sure I understand what you're trying to say, but in general its pretty simple: She goes to the UK bank and requests a wire transfer, providing your details as a recipient. You then go to your bank, fill the necessary forms for the money-laundaring regulations, you probably also need to pay the taxes on the money to the IRS, and then you have it. If you have 1 million dollars (or is it pounds?), I'm sure you can afford spending several hundreds for a tax attorney to make sure your liabilities are reduced to minimum.


A lot of these comments are right but I'll add two: buybacks and lowering costs. Too many companies have generated hordes of cash over the years; some of it is entirely their fault, cash that wasn't used for r&d (e.g. AAPL) and others simply don't have an opportunity to grow at their stage in the cooperate life cycle within their industry, so all that excess cash that has been generated for years is used for buybacks. Tech is making shit far more efficient and some companies have blotted cost structures, so introduce tech that makes the firm more efficient where applicable and cut unneeded employees.


The situation you're proposing is an over-simplification that wouldn't occur in practice. Orders occur in a sequence over time. Time is an important part of the order matching process. Orders are not processed in parallel; otherwise, the problem of fairness, already heavily regulated, would become even more complex. First, crossed and locked markets are forbidden by regulators.  Crossed orders are where one exchange has a higher bid than another's ask, or a lower ask than another's bid.  A locked market is where a bid on one exchange is equal to the ask on another.  HFTs would be able to make these markets because of the gap between exchange fees. Since these are forbidden, and handling orders in parallel would ensure that a crossed or locked market would occur, orders are serialized (queued up), processed in order of price-time priority. So, the first to cross the market will be filled with the best oldest opposing order. Regulators believe crossed or locked markets are unfair.  They would however eliminate the bid ask spread for many large securities thus the bid-ask cost to the holder.


You are right. This is an oil and gas construction company. Honestly speaking, I have very little information concerning their procedures for hiring and interviewing candidates. The only thing I know is that they have a department of financial analysis and modeling. As you said, that lacks specifics. I would be more interested in development in corporate finance.


Pai's nomination very narrowly passed the Senate. If your senator was one of the 52 that voted in Pai's favor, start showing up at their town hall events and making this an issue they have to defend their stance on. Turn this into another thing that senators are running from their constituents on.


I think we are just close to  point where there are so many people working in the job market that youre not going to have any more hiring going forward. Trump had some hype when he came into office that rippled onto the market resulting in these stock market gains and then the job growth as the after effect. but now that is finished. the stock market is at huge valuations, and its hard to see increases in corporate profits from here (given that the credit market is going to cut down the supply of loans going forward)  that could spark another hiring rally.


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"This is my two cents (pun intended).  It was too long for a comment, so I tried to make it more of an answer.  I am no expert with investments or Islam: Anything on a server exists 'physically'.  It exists on a hard drive, tape drive, and/or a combination thereof.  It is stored as data, which on a hard drive are small particles that are electrically charged, where each bit is represented by that electric charge.  That data exists physically.  It also depends on your definition of physically.  This data is stored on a hard drive, which I deem physical, though is transferred via electric pulses often via fiber cable.  Don't fall for marketing words like cloud.  Data must be stored somewhere, and is often redundant and backed up. To me, money is just paper with an amount attached to it.  It tells me nothing about its value in a market.  A $1 bill was worth a lot more 3 decades ago (you could buy more goods because it had a higher value) than it is today.  Money is simply an indication of the value of a good you traded at the time you traded.  At a simplistic level, you could accomplish the same thing with a friend, saying ""If you buy lunch today, I'll buy lunch next time"".  There was no exchange in money between me and you, but there was an exchange in the value of the lunch, if that makes sense.  The same thing could have been accomplished by me and you exchanging half the lunch costs in physical money (or credit/debit card or check). Any type of investment can be considered gambling.  Though you do get some sort of proof that the investment exists somewhere  Investments may go up or down in value at any given time.  Perhaps with enough research you can make educated investments, but that just makes it a smaller gamble.  Nothing is guaranteed.  Currency investment is akin to stock market investment, in that it may go up or down in value, in comparison to other currencies; though it doesn't make you an owner of the money's issuer, generally, it's similar.  I find if you keep all your money in U.S. dollars without considering other nations, that's a sort of ignorant way of gambling, you're betting your money will lose value less slowly than if you had it elsewhere or in multiple places. Back on track to your question: [A]m I really buying that currency?  You are trading a currency.  You are giving one currency and exchanging it for another.  I guess you could consider that buying, since you can consider trading currency for a piece of software as buying something. Or is the situation more like playing with the live rates? It depends on your perception of playing with the live rates.  Investments to me are long-term commitments with reputable research attached to it that I intend to keep, through highs and lows, unless something triggers me to change my investment elsewhere.  If by playing you mean risk, as described above, you will have a level of risk.  If by playing you mean not taking it seriously, then do thorough research before investing and don't be trading every few seconds for minor returns, trying to make major returns out of minor returns (my opinion), or doing anything based on a whim. Was that money created out of thin air? I suggest you do more research before starting to trade currency into how markets and trading works.  Simplistically, think of a market as a closed system with other markets, such as UK market, French market, etc.  Each can interact with each other.  The U.S. [or any market] has a set number of dollars in the pool.  $100 for example's sake.  Each $1 has a certain value associated with it.  If for some reason, the country decides to create more paper that is green, says $1, and stamps presidents on them (money), and adds 15 $1 to the pool (making it $115), each one of these dollars' value goes down.  This can also happen with goods.  This, along with the trading of goods between markets, peoples' attachment of value to goods of the market, and peoples' perception of the market, is what fluctates currency trading, in simple terms.  So essentially, no, money is not made out of thin air.  Money is a medium for value  though values are always changing and money is a static amount. You are attempting to trade values and own the medium that has the most value, if that makes sense.  Values of goods are constantly changing. This is a learning process for me as well so I hope this helps answers your questions you seem to have.  As stated above, I'm no expert; I'm actually quite new to this, so I probably missed a few things here and there."


True story:  There are several Admirals in the United States Navy that still do not understand how to use e-mail. They have their staff print the e-mails into hard copy and then either hand write or type a reply (on a typewriter) for their staff to send back as an e-mail.


"You're mostly correct, although I think you're missing something essential about no-arbitrage versus an arbitrage argument.  Black-Scholes makes an arbitrage argument, which is that the value of an option should be the same as any portfolio that has identical cash flows, and this is generally a sound argument.  Notice, however, that BS is ultimately an equilibrium model: it tells you the ""correct"" price of an option if the assumptions of BS hold, and doesn't necessarily match observed market prices.  A no-arbitrage condition or model deliberately incorporates observed prices (or yields, or whatever) into the model, so that there cannot be an arbitrage opportunity implied by the model.  This comes up a lot in term structure of interest rate problems, where equilibrium models like Vasicek or Cox-Ingersoll-Ross won't perfectly reproduce the current, observed term structure, and so imply an arbitrage opportunity.  No-arbitrage models like Hull-White specifically match the model's term structure to observed yields/prices, so that there is no arbitrage opportunity between the observed term structure and your model of it.  It's important to note that this will still allow for arbitrage involving bonds that are *not* part of the observed term structure.  As for equivalent martingale measures, you might think about it more generally.  The process involves changing the probability distribution from the actual (which is hard to use for pricing) to a different one that's easier to use but will result in the same prices; this is nearly always a risk-neutral probability.  You can think of equivalent martingale  pricing as asking, ""how would this security behave, and be priced, in a world that is completely risk neutral"", and then making an argument that the prices are in fact equivalent.  EDIT: grammar"


Disvestment activities tend to be misguided. In doing so, a fund/individual is not really taking money away from the companies in question (assuming they're not doing secondary offerings), and 'disvestment' doesn't imply that you're going to be using their products less (or boycotting them entirely), which would actually impact their financials. And in a convoluted way, disvestment could actually trigger further consolidation among coal companies, since it makes them cheaper and thus easier takeover targets.   Funds that have the ability to do so should make 2nd & 3rd round VC investments in clean energy startups. It's been awfully difficult for clean energy startups to raise money lately, and funding those startups would have a lot more impact.


Single person salary on 7.25 is about $1200 a month, before taxes. Rent in a slum is $500, then you have health and car insurance in the most optimistic situation, electric, water, phone that employer requires you to have, food and care products. This assuming no car note and never buying clothes. It's insane to me that people think that it's okay to subsidize their lifestyle by starving someone, and pretending that is possible.


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Well I think it's a combination of all options is required.  I agree that the focus needs to be on developing products - alternatives - to replace our  petroleum-based products. We should not however ignore energy efficiencies wherever these are possible. Conservation of energy is also a huge part of reducing our use of fossil fuels.


You could say the same thing but replace money with pacman and it would be true for the guys who are really good at pacman.   Making money can be no different than any other hobby. The only difference is that you can engage in direct exchange after the fact instead of barter exchange.   But make no mistake enjoying it does not make warren any more insane than the pacman guys (or more seriously most academics).


One thing I didn't see mentioned - my major bills are all electronic transfer, i.e. there is no check mailed. A bill due in 2 days can be set up now, and still paid the day after tomorrow. Try that with a check. There are smaller companies that are not done that way and a check mailed, but you state the due date not the mailing date. So the bank still has the obligation to get it there. This is how my particular bank works.


It's all about risk. In 1990, expressing the idea of the US defaulting on debt payments would result in you being labelled as a crank.  Yet in 2011, the President and Speaker of the House played chicken with the credit of the United States, and have a date to do it again in December 2011.


The satisfaction from gains packs less of an emotional impact than the fear of loss. It's very difficult for many people to overcome this fear, so when prices begin to fall, many investors sell to minimize their potential loss. This causes a further drop, which can lead to more selling as other investors reach their emotional threshold for loss. This emotion-based selling keeps the market inefficient in the short term. If there aren't enough value investors waiting to scoop up the stock at the new discount, it can stay undervalued for a long time.


Something you invest in has the ability to grow in value.  So examples of investments would be buying stocks, bonds, currencies, commodities.  Buying your house or a piece of real estate can be considered an investment because the house/property will hopefully be worth more as time passes.  So the act of paying down a mortgage really isn't an investment.


Tesla has 30,000 employees.  The bottom 1.3% of any company are going to be pretty crappy employees.  I know I work with people I think should be fired for laziness, nastyness or incompetence.  It's not the company's job to pay people if they can't do the job.  Good companies get rid of bad employees or they don't remain good companies.  A key problem with most unions is they protect the bad employees and discourage outstanding performance.