It probably would have already been priced in the moment the markets opened today. So, my guess is, unless you already owned it at $68.78 on Friday, chances are it would have been near impossible to get it at that price since this morning. It already increased more than 18% from the opening bell today.   Hope my answer helped clarify some things.


> In many cases we are actually wasting energy by first burning coal to generate electricity, only to convert it back to heat again.  Yes and no.  Thermodynamically, you are correct in some cases.  What we gain, nowadays, with electricity generation is lower distribution costs and flexibility.  The value of that far exceeds the cost of any thermodynamic losses.  If it didn't, we wouldn't be using it quite as extensively.


There are two answers to this (excluding central banks which are really just a banks to private banks):  **Please note:  This is an oversimplification and not accounting for the fact that banks operate in both categories now.  **  Banks are either depository institutions or financial service/transaction providers.  *  Depository institutions are your typical retail bank (regions, boa retail, wells fargo retail, etc).  They accept deposits from account holders and lend out via reserve lending to mortgages and business loans for their revenue generation.    * Financial service/transaction providers are better known as IBanks.  You have your Goldman Sachs, Deutsche Bank, JP Morgan, Morgan Stanley, etc.  These have traditionally been banks that do not accept deposit accounts but revenue generation comes from financial services such as asset management and research or from financial transaction facilitation such as market making (offering both buy/sell quotes in capital markets).  This is generally the role that banks have played historically from the medieval ages on... They started out as being entities that provided access to connecting buyers and sellers of markets.


Yeah man, was basically just screwing around.  Day-trading stocks is a bit different for me.  I usually trade options.  Taking a bit getting used to.  Not to mention, I probably lost a good bit on spreads.  I made all market orders lol.


Columbus is very interesting. Something about it has made it the perfect test market demographic for retailers and fast food galore.  Cheap rents and lots of jobs. I'm gunning for a move next year, but wondering what the trap is.


My grandmother passed away earlier this year. When I got my car 3 years ago, I did not have good enough credit to do it on my own or have her as a co-signer. We had arranged so that my grandmother was buying the car and I was co-signing.  A similar situation was happening and I went to my bank and took out a re-finance loan prior to her passing. I explained to them that my grandmother was sick and on her death bed. They never once requested a power of attorney or required her signature. I am now the sole owner of the vehicle.


381agroup offers you quality, precision and ease of use. Look for what you're looking for, whether it's an arm or wrist meter, we have what you need. From 381agroup we encourage people to lead a healthy life. That's why we create devices that provide vital information about what really goes on inside the body. Our goal is to offer a wide range of Medical equipment that fit any health condition and serve both professionals and people for use in the home. 381agroup has a variety of blood pressure monitors so you can measure your blood pressure daily, and in just seconds and in the comfort of your home.


Or you owned one that was bought out, so you got a ~30% return + whatever else the stock had returned prior to that. Everyone is pushing for the companies they hold to be bought for a quick paycheck, so you're seeing fewer companies...


vol shouldn't matter if you're looking at the long term. I get all the other things, to me people just don't like bear markets.   I think retail is also scared for macro reasons. Shitty economy, total clusterfuck politically. Europe is clearly a mess. And all those things don't have any resolution in the near-term future. So sit on cash/fixed income and at least you're not losing.


as someone who was an sap specialist for 2 years, i dont know why on earth you would want to spend your time on learning this software ad working with it. thats like the complete opposite direction to being successful at business


Everyone wants good health in the immediate sense, of course. However, it certainly doesn't stop many from smoking or drinking.   Do people complain about firemen or police taxes like they do with the price of healthcare?   Just like the government insuring all of  college debt in guaranteed loans, it will only add fuel to the fire. It's the same story again and again   Medicare and medicaid is already an expense in the form of taxes that is beyond comprehension. Government needs to get out to improve the costs, both lobbying and legislation portions.


Tradesi is the best local business directory in Melbourne which is provides you the opportunity of brand enhancing business to the next level and making it a time efficient way to boost your online identity. Tradesi is visible to large numbers of people searching for local business directory in Melbourne.


sorry, things got busy.   active calendar management. Are you talking about having a dedicated receptionist manage say an exchange calendar? taking calls, making an appointment on your calendar and then saving the event and setting reminders? that kind of thing?  outgoing calls to confirm appointments sounds interesting, but currently we only want to deal with inbound, process then transfer.


"You can start investing with any amount. You can use the ShareBuilder account to purchase ""partial"" stocks through their automatic investment plan. Usually brokers don't sell parts of stock, and ShareBuilder is the only one allowing it IMHO using its own tricks. What they do basically is buy a stock and then divide it internally among several investors who bought it, while each of the investors doesn't really own it directly. That's perfect for investing small amounts and making first steps in investing."


I think rather than simply being about a surge in demand for craft and local food, this might be a short-term consequence of millenials' delaying the start to their families. I went to chilis, applebees, ruby tuesday's, and other mid-tier, dine-in restaurants when I was a kid for what could be the same reason as every other kid: the food was better quality than McDonald's but still relatively cheap, the atmosphere was family friendly, and you could trust the continuity of the foregoing across different cities. Millenials like local and craft vendors when they have the money to spend, but they still love the hell out of some Popeye's and Chick-fil-a, which are anything but local.  Why go to RT's if you don't have the problem of having to feed a bunch of picky kids who wouldn't know the quality of local fare anyway? Just my take.


It really is important to consider the safety of the audience and performers in any event. There should be a team of medics who are on standby to give first aid when needed. It is good that there are companies who offer the services of first aid professionals these days.


You can receive all the Money in your Bank. By Problem if you mean whether it will raise any alarms at the Bank. Most likely yes, such kind of activity would trigger AML. Bank would flag this off to regulators and questions would be asked. If you are doing a Legitimate business, its not an issue. Maintain a proper record of the transaction and pay your taxes. As funds are large 80 K a month, it makes sense to seek to advice of a Laywer and CA to help you keep thing in order.


This latest, though, this isn’t a feature. (Many Facebook “features” aren’t.) Instead, it’s yet another example of a fundamentally dishonest company, a company with no integrity, playing whack-a-mole with their users. They don’t change things every few days because it’s better for us. Notice how every time they update things they move where settings used to be? It’s not user-friendly, it’s user-hostile and it violates every core fundamental of user interface design, which is all about making a site or an application easier and better for the user.  Facebook does this intentionally to mask their real intent. Which is to package and sell the user, to deceive users into behaving in ways that they wouldn’t otherwise. The message is ugly, but simple: We’re not good enough to entice you to want our services, so we’re going to make you to take it. If we get busted, we’ll issue a statement and try again the next time we think you aren’t looking.


Typically, a transfer of money isn't taxed in and of itself. If they send you $1000 and you send them goods, your profit is what would be taxed, not the full amount sent to you. You need to keep track of all money you spend to acquire the goods, and all money coming in, so you can declare the profit you've made as income. Your question appears to be less about personal finance, and more about running a small business.


The other alternative: just invest it in tax-efficient investments. You will have limited tax-deferral options outside of your 401k, but don't let that limit you. You can invest in a variety of ETFs, stocks and mutual funds for growth, and tax-free investments like municipal bonds as you get older and need to draw income.


"A good measurement would be to compare to index's. Basically a good way to measure your self would be to ask ""If I put my money somewhere else how much better or worse would I have done?"" Mutual funds and Hedge funds use the SP500 as a bench mark. Some funds actually wave their fee if they do not outperform the SP or only take a fee on the portion that has outperformed the SP500. in today's economy i dont know how to expect such a return The economy is not a good benchmark on what to expect from the stock market. For example in 2009 by certain standards the economy was worse then today but in 2009 the market rallied a great deal so your returns should have reflected that. You can use the SP500 as a quick reference to compare your returns (this is also considered the ""standard"" for a quick comparison). The way you compare your performance is also dependent on how you invest your money. If you are outperforming the SP500 you are doing well. Many mutual funds DO NOT outperform the SP500. Edit Additional Info: Here is an article with more comprehensive information on how to gauge your performance. In the article is a link to a free tool from morning star. Use the Right Benchmark to Accurately Measure Investment Performance"


Not just that.   I occasionally drive through a rough part of town and see the dumbest people just walking in the street.   There is a sidewalk,  but let's walk in the busy road instead.   I'm going to get video of it,  it's insane.   Nobody uses the cross walk,  just dart out in traffic.   This has convinced me that there may be a significant correlation between intelligence and socioeconomic classes.  It's not education,  it's common sense shit they seem to be lacking.     It's really bad in the area I'm talking about.   There are sidewalks and cross walks and they are both blatantly ignored by way too many people in the neighborhood I am speaking of.   You have to see it to believe it,  people are dangerously retarded.   In order to not walk 20 feet further to get to a crosswalk and to a bus stop,  many people just opt to step out into traffic.   I came to this thread just because this is something me and my gf discuss each time we are in this section of town. It's like watching a live version of *Frogger* every 100 yards.


In general, currency has no expiration date. Specifically, in Canada, the Bank of Canada has been issuing banknotes since 1935, and these are still considered legal tender, even though they don't look much like the modern banknotes.  Before that, Canadian chartered banks issued currency, and these also still have value. However, there are a few things to note.  First of all, with currency of that age, it often has more value as a collector's item than the face value.  So spending it at a store would be foolish. Second, store clerks are not experts in old currency, and will not accept a bill that they do not recognize.  If you want the face value of your old currency, you may need to exchange it for modern currency at a bank. Having said all that, there are certainly cases where currency does expire.  Generally this happens when a country changes currency.  For example, when the Euro was introduced, the old currencies were discontinued.  After a window of exchange, the old currency in many cases lost its value.  So if you have some old French Franc notes, for example, they can no longer be exchanged for Euros. These types of events cannot be predicted in the future, of course, so it is impossible to say when, if ever, the Canadian currency you have today will lose its spending value in Canada.


Positive or negative in what sense?  http://climate.nasa.gov/scientific-consensus/ https://en.wikipedia.org/wiki/Scientific_opinion_on_climate_change  The overwhelming opinion is that humans are the largest source of climate change currently.  To answer your question about what global warming means: https://en.wikipedia.org/wiki/Effects_of_global_warming  The data is out there, try to not get clouded: https://en.wikipedia.org/wiki/Climate_change_denial


Halal2020 وبناء بلدكم المنتج أو الخدمة موقف العلامة التجارية هو وسيلة جيدة لأية شركة أو مؤسسة، هو أفضل وسيلة لخلق القيمة في معلومات جديدة عن الحيوانات. أنت الكثير من متجر اللحوم هنا، ولكن Halal2020 مزود خدمة فريدة من نوعها. لدينا قائمة كبيرة من الأطعمة. نحن المتخصصة في درجة مفرطة مرضية أنيميتسيت واحدة من أكثر و تروستابل مكان في الإمارات لبيع الحيوانات. و موقع بيع خيول  على الانترنت هو عناية كبيرة من أمريكا باعتبارها تاجر في إذا كنت تبحث عن الخيول الإماراتية الممتازة في دبي التي تبيع باستمرار الحيوانات المدربة جيدا بأقل سعر.


Indeed.  10-20 years down the line who knows where the computing capabilities will be at. But for now, and the foreseeable future IMHO, there are simply too many variables involved to take a human completely out of the cockpit. I will still want to know that there are two sets of eyeballs looking out the of the cockpit and monitoring the gauges.


As Americans we seem to have lost the ability to see the simple truth right in front of us. Its not just RT, its what the world is telling us, take your pick, yet we get our marching orders from Tel Aviv  I will fucking move to Timbuktu before Zuckerberg becomes the US president and all our children wear gender neutral uniforms to school


"You can list it as other income reported on line 21 of form 1040.  In TurboTax, enter at: - Federal Taxes tab (Personal in  Home & Business) - Wages & Income -“I’ll choose what I work on” Button Scroll down to: -Less Common Income -Misc Income, 1099-A, 1099-C. -The next screen will give you several choices. Choose ""Other reportable Income"". You will reach a screen where you can type a description of the income and the amount. Type in the amount of income and categorize as Tutoring."


"> 66% of the Extra CO2 in the Air is not from Western Countries...  Note that the data is spun to reach this conclusion.  [The argument behind the data is](https://defyccc.com/docs/CO2-Attribution-Halperin-Preprint-2015.pdf):  > ... one can conclude that only a small fraction of the extra CO2, released 100 years ago, is still in the air.  So basically this number comes from an assumption that 1 pound of China's emissions today is the same as about 10 pounds of emissions from western countries in 1900.  The end result is a ""total responsibility"" count that puts more weight on current emissions over historic emissions.  Of course, the author is trying to push an anti-alarmist agenda here.  If you're going to calculate responsibility with a heavier weight on current emissions, then it also makes sense to divide by current population to get responsibility per capita.  Now I wonder why the author didn't consider that..."


"> I do expect it to be at least coherent and consise [sic - OMG I should now dismiss you!].  If her post was incoherent then how could you ""precisely"" counter what she was saying?  You made a logic boom boom in your pants.  > Freelancing is hard.  Wow, deep. (hey, this lazy dismissive stuff is easy!)"


> Conglomerates have no interest in gaining control of tiny businesses through loan collateral.  Yes they do, at least in China. China has very low farm labor productivity by developed nations status. Agribusiness would be very profitable in China. **The reason why it's in check is because it would make hundreds of millions of farmers redundant**, so the government prevents the industry from encroaching too much.


Why would you consider Amazon to have an anti-trust issue? Think about monopolies of the past - you didn't go to them because you wanted to, you went to them because you had no other choice....  With Amazon, you can you Google's cloud services or Walmart's ecommerce site, but you don't... Why not? Because Amazon does it the best. You, the consumer, still have a choice.


The only purpose the ILS market fills is directly lining up capital to pay for potential cats. Unless you're doing directly that you don't really have a way to participate, long or short.  The cat bond market really isn't liquid or developed enough for derivatives to exist at this point.   Due to the losses this year the cat bond market could shrink significantly too because all the existing catastrophe models have seemed to be inadequate to model these occurrences and investors are losing their shirts. There are questions of the extent to which the alternative capital in the reinsurance market will reload in the wake of 2017.


Title is incorrect. $1000 every ten years, or $100 per year.   The author puts the calculations in the article, and while I think the methodology is dubious it is at least transparent. The $1000 was the cost over the next decade applied to the number of workers, which means the annual cost is one tenth of that, or $100.  Edit: I said number of households and I should’ve said number of workers.


"It certainly seems like you are focusing on the emotional factors.  That's your blind spot, and it's the surest path to a situation where your husband gets to say ""I told you so"".  I recommend you steer straight into that blind spot, and focus your studies on the business aspects of buying and owning homes.   You should be able to do spreadsheets 6 ways from Sunday, be able to recite every tax deduction you'll get as a homeowner, know the resale impacts of 1 bathroom vs 2, tell a dirty house from a broken house, etc.  Everybody's got their favorites, mine are a bit dated but I like Robert Irwin and Robert Allen's books.  For instance: a philosophy of Allen's that I really like: never sell.  This avoids several problems, like the considerable costs of money, time and nerves of actually selling a house, stress about house prices, mistaking your house's equity for an ATM machine, and byzantine rules for capital gains tax mainly if you rent out the house, which vary dramatically by nation.  In fact the whole area of taxes needs careful study.  There's another side to the business of home ownership, and that's renting to others.  There's a whole set of economics there - and that is a factor in what you buy.  Now AirBNB adds a new wrinkle because there's some real money there.  Come to understand that market well enough to gauge whether a duplex or triplex will be a money maker.  Many regular folk like you have retired early and live off the rental income from their properties.  JoeTaxpayer has an interesting way of looking at the finances of housing: if a house doesn't make sense as a a rental unit, maybe it doesn't make sense as a live-in either.   So learn how to identify those fundamentals - the numbers.  And get in the habit of evaluating houses.  Work it regularly until it's second nature.  Then, yes, you'll see houses you fall in love with, partly because the numbers work.  It also helps to be handy.  It really, really changes the economics if you can do your own quality work, because you don't need to spend any money on labor to convert a dirty house into a clean house.  And lots of people do, and there's a whole SE just for that.  There is a huge difference between going down to the local building supply and getting the water pipe you need, vs. having to call a plumber.  And please deal with local businesses, please don't go to the Big Box stores, their service is abominable, they will cheerfully sell you a gadget salad of junk that doesn't work together, and I can't imagine a colder and less inviting scene to come up as a handy person."


You might be better off soliciting software engineers on AngelList.  Coder and programmer is a bit derogatory also -- you are seeking an Engineer.    With that said, I've been approached numerous times for things like this and the answer is always no.  You are basically looking for a cofounder so be prepared to give away 50%.  You need seed capital, and you don't really need an engineer for that so you should formalize the business plan and get funding.  If you can't convince someone for 50 or 100k of seed then the idea is probably flat and you won't find an engineer who wants to touch it.


"100% debt free is an objective. Being there is good, but as long as you have a plan to get there, are sticking to it and it's moving you towards it at a reasonable rate (e.g. ""I will be debt free by the end of 2011.""), you should be in good shape. It's when you don't ever expect to be debt free that you have a problem. Going into debt is one question and a very situation dependent one. Getting back out is another and a very easy one: pay off all debts as a fast as you reasonably can, starting with the highest interest ones. OTOH this doesn't imply that you should forgo every optional expense (including things like savings and entertainment) to pay off debts, that would be unreasonable, but just that paying down debts should always be considered when thinking about what to do with money."


"From what you say, a savings account sounds like the most appropriate option.  (Of course you should keep your checking account too to use for day-to-day expenses, but put money that you want to sock away into the savings account.) The only way to guarantee you won't lose money and also guarantee that you can take the money out whenever you want is to put your money in a checking or savings account.  If you put it in a savings account you will at least earn some paltry amount of interest, whereas with a checking account you wont.  The amount of interest you earn with only a few hundred (or even a few thousand) dollars will be miniscule, but you know that the nominal value of your money won't go down. The real value of your money will go down, because the interest you're earning will be less than inflation.  (That is, if you put $1000 in, you know there will be at least $1000 in there until you take some out.  But because of inflation, that $1000 won't buy as much in the future as it does today, so the effective buying power of your money will go down.)  However, there's no way to avoid this while keeping your money absolutely safe from loss and maintaining absolute freedom to take it out whenever you want. To address a couple of the alternatives you mentioned: It's good that you're thinking about this now.  However, you shouldn't worry unduly about ""getting the most out of your money"" at this stage.  As you said, you have $400 and will soon be making $200/week.  In other words, two weeks after your job starts, you'll have earned as much as your entire savings before you started the job.  Even if all your cash ""went down the drain"", you'd make it up in two weeks. Of course, you don't want to throw your money away for nothing.  But when your savings are small relative to your income, it's not really worth it to agonize over investment choices to try to get the maximum possible return on your investment.  Instead, you should do just what you seem to be doing: prioritize safety, both in terms of keeping your money in a safe account, and try to save rather than spending frivolously.  In your current situation, you can double your savings in one month, by working at your part-time job.  There's no investment anywhere there that can even come close to that.  So don't worry about missing out on some secret opportunity.  At this stage, you can earn far more by working than you can by investing, so you should try to build up your savings.  When you have enough that you are comfortable with more risk, then you will be in a position to consider other kinds of investments (like stock market index funds), which are riskier but will earn you better returns in the long run."


So your plan is to wait for the whales to die of old age, with sea world caring for them the entire time, during which you will condemn sea world for doing this while acknowledging it's their only option at this point.   Ok.


>Women went into the workforce because the cost of living was going up faster than wages  Women went into the workforce because the social pressure to not do so lessened, and the value they placed on the wages for their labor (factoring in the cost of violating any social norms for working) now exceeded that of the value they received from not having to work; this had generally not been the case a hundred years ago.


So I was working at my dad's perfume store yesterday so he can take a day off. And I don't have that much experience, I occasionally fill in whenever he needs to take a day off for something. So yesterday I thought it was my lucky day cause I had two groups of people come in and buy nearly 500$ worth of items each but with credit cards. Now once again I don't have that much experience with this type of work. I just sold them the stuff but the procedure was the same as with any other group of people buying multiple items. Show them multiple stuff, bargain, and eventually they buy the stuff. I entered the price on the machine, they put in the card, they put in the pin, they signed the receipt and it was the end of that. Turns out both groups used stolen cards. So I get a call from my brother today saying both cards were stolen and we might not get the money for the stuff. But I pretty much followed the procedure I was told to, its just I don't know why we wouldn't get the money back.


"There will be many who will judge your proposal on the idea that subsidized loans should be available to those who need them, and should not be used by others who are simply trying to profit from them. Each school has a pool of money available to offer for subsidized and unsubsidized loans. If they are giving you a subsidized loan, they cannot allocate it to someone else who needs it. Once you weigh the investment risks, I agree that it is analogous to investing rather than repaying your mortgage quickly. If you understand the risks, there's no reason why you shouldn't consider other options about what to do with the money. I am more risk averse, so I happen to prefer paying down the mortgage quickly after all other investment/savings goals have been met. Where you fit on that continuum will answer the question of whether or not it is a ""bad idea""."


"> In a version of Romney's ""47 percent"" remarks, Siegel added that ""people like me who made all the right decisions and invested in themselves are being forced to bail out all the people who didn't. The people that overspent their paychecks suddenly feel entitled to the same luxuries that I earned and sacrificed 42 years of my life for.""   Yeah luxuries that he doesn't need like a military, police force, and fire department! Who needs education and health systems. Damn Poor people that overspent their paychecks thats who."


"The basic theoretical reason for a company to return money to shareholders is that the company doesn't need the money for its own purposes (e.g. investment or working capital). So instead of the company just keeping it in the bank, it hands it back so that shareholders can do what they think fit, e.g. investing it elsewhere. In some cases, particularly ""private equity"" deals, you see companies actively borrowing money to payout to shareholders, on the grounds that they can do so cheaply enough that it will improve overall shareholder returns. The trade-off with this kind of ""leveraging up"" is that it usually makes the business more risky and every so often you see it go wrong, e.g. after an economic downturn. It may still be a rational thing to do, but I'd look at that kind of proposal very carefully. In this case I think things are quite different: the company has sold a valuable asset and has spare cash. It's already going to use some of the money to reduce debt so it doesn't seem like the company is becoming more risky. Overall if the management is recommending it, I would support it. As you say, the share consolidation seems like just a technical measure and you might as well also support that. I think they want to make their share price seem stable over time to people who are looking at it casually and won't be aware of the payout - otherwise it'd suddenly drop by 60p and might give the impression the company had some bad news. The plan is to essentially cancel one share worth ~960p for every payout they make on 16 shares - since 16x60p = 960p payout this should leave the share price broadly unchanged."


The broker would give you a margin call and get you to deposit more funds into your account. They wouldn't wait for the stock price to reach $30, but would take this action much earlier. More over it is very unrealistic for any stock to go up 275% over a few hours, and if the stock was this volatile the broker would be asking for a higher margin to start with. What I am really worried about is that if there were any situation like this you are not considering what you would do as part of your risk management strategy. Before writing the option you should already have an exit point at which you would buy back the option to limit your losses.


"Forget the math's specifics for a moment: here's some principles. Additional housing for a renter gives you returns in the form of money. Additional housing for yourself pays its returns in the form of ""here is a nice house, live in it"". Which do you need more of?  If you don't need the money, get a nicer house for yourself. If you need (or want) the money, get a modest house for yourself and either use the other house as a rental property, or invest the proceeds of its sale in the stock market. But under normal circumstances (++) don't expect that buying more house for yourself is a good way to increase how much money you have. It's not. (++ the exception being during situations where land/housing value rises quickly, and when that rise is not part of a housing bubble which later collapses. Generally long-term housing values tend to be relatively stable; the real returns are from the rent, or what economists call imputed rent when you're occupying it yourself.)"


Wal-Mart? How are they going to compete with this monster. Grocery shopping is also a kind of social experience that it seems humans need. I'm no fan of walyworld taking out almost every small grocery store they can. Don't know,might get interesting. Hopefully get a price war going and then the customer will benefit.


I still don't understand how a restaurant called Chipolte can be so friggin' bland. Their 'hot' salsa isn't that hot, and the bottles of Tabasco sauce by the soda fountain are in insult. Not to mention the last time I got a burrito, it was lukewarm and mushy. I only wish the location across from my work was a Moe's :(


"If I pay off 70 percent of the loan amount, will I be charged less interest? Yes, because when there's less debt (aka ""the balance"") to charge interest on, just as when you pay it off ""normally"", there's less interest charged. Note that the loan contract might stipulate: That's quite rare in the US (except for some student loans), but I don't know about India."


> Darling, if you are not a fan of Hillary (and the current DNC?), than why are you against Trump, who is not even career GOP politician?  I have already addressed this stupid idea that someone HAS to like one or the other. Literally the post you just replied to. Both can be (and are) terrible.   If you go back and actually read the words I've said in this thread, I've cited numerous things that prove that Trump has no idea what he's doing.  If you weren't so busy covering your ears and pretending that you haven't already been proven wrong in this very thread, maybe you wouldn't have missed it.   Since you obviously have trouble with your reading comprehension, I won't repeat them again, as to not confuse you. Just scroll up.


Not for the tax break, no; as others have said that still costs you money. However, with rates being low right now and brought a bit lower by the tax break, this is an opportunity for the safest form of leveraged investing you will ever find. If you invest that money, the returns on investment will probably be better than the mortgage rate, and that leaves you with a net profit. There is some risk if the market collapses, but it's less risk than any other form of borrowing to invest. That also leave you with more flexibility if you need cash in a hurry; you can draw down the investments rather than taking another loan. If the risk bothers you, you can do what I did and split the difference. I put 50% down and financed the rest. I sometimes regret not having pushed it harder, since it has worked out well for me ... but that was the level of risk I was comfortable with.


It's a good start that you want to self educate and get ahead of the curve. Try online workshops that are relatively cheap but give you a glimpse of a particular subject. Shaw Academy, Udemy, Khan Academy, etc..   This should help you in the spare time learn about other subjects.


It's really not comparable.  I love Wegmans, but it's not the same thing.  Wegmans is a nice grocery store.  Whole Foods is not a place you go for most groceries - it's a place you go for fresh meats/fish/etc, especially when looking for more unique things, and especially if you're picky about what you're getting.  And even if you want to deny all that, Wegmans has a small footprint, so it is irrelevant in most areas.


While the Affordable Care Act (ACA) started as a relative moderate price insurance, it quickly became expensive, unaffordable, tax for those who don't want/need it, and hard to get as in some states you have only one choice (or no choices very soon).  It destroys and destroyed the medical profession. Doctors have no control on how and what they get paid for their work. You can't be an independent doctor and what you paid is very little, not worth your time in many cases.  It's even costly for the insurance companies and many of them dropped from the program.  Trump and I are NOT(!) against National healthcare system.  Both Trump and me want to fix the system and make it reasonable, better and fair.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/view/articles/2017-09-01/america-s-superstar-companies-are-a-drag-on-growth) reduced by 91%. (I'm a bot) ***** > Anyway, as a result of this increased market power, the big superstar companies have been raising their prices and cutting their wages.  > In the past few years, researchers have found that industrial concentration - measured by the market share of the four biggest companies in an industry - has indeed been increasing in most parts of the U.S. economy.  > Basic theory suggests that when top companies get more market power, they invest less in their businesses as they restrict output and raise prices.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6xtfdw/americas_superstar_companies_are_a_drag_on_growth/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~203487 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **company**^#1 **more**^#2 **paper**^#3 **market**^#4 **increased**^#5"


Plenty of folks earn $300k/year from salary alone, and keep in mind this is household income. If you and your spouse are both educated and have a well paying jobs it's not all that difficult to hit that mark.


">he believes that Facebook’s IPO is a clear sign that capital markets are rigged against ordinary “mom and pop” retail investors.  Should mom and pop be investing in IPOs in the first place?  And if they are then shouldn't they be expected to read all the SEC filings just like any sophisticated market participant?  I think the FB IPO sucked really badly and damaged capital markets but NOT because ""mom and pop"" didn't read all the filings."


When I did this I sold the stock out of my 401k account.  Then transferred the cash to my rollover IRA account.  No tax event was created for me.  Make sure your rollover IRA account is listed as tax deferred.  If this still doesn't work for you then it could be a bug in Quicken and your best bet is the Quicken forums.  Good luck.


Is this a time of day effect by using, e.g. closing prices, in markets that close at different times?  If so, you can mitigate this by looking at returns over longer periods (weekly, monthly or quarterly).  If the cross-listed equities are showing consistently different returns at the exact same time, then you should be more concerned in figuring out how to trade the arbitrage rather than estimating a beta.


This is primarily opinion based. It is like predicting what will happen in future, similar to predicting the value of stock. This is interesting topic on a coin discussion forum like WOC My question is whether moving the coins out of the Whitman folders (some of which are in serious disrepair) to the stapled pockets will adversely affect their value? Whitman folders are for basic collectors to know what to collect and easily show what is missing. These are not great way to preserve coins. Infact good quality coins should never be put into such folders. There are quite a few ways to store coins, Stapled flips ... now one also gets self adhesive flips. Coin Capsules or Archival grade envelops. It depends on the value of coin and how long you want to store these and where are the coins kept [moisture, humidity, pollutants are bad for coins]


"The economics of it say that you need to win 30% of the homes you pass in order to break even.  Google has only entered markets where there is already a cable incumbent plus the phone company probably offers service although their market share is surely smaller so there are 2 solid providers and 1 marginal provider, at least.  For a 4th provider to come in, they could really only hope to break even and that would be very difficult considering the marketing clout of the competitors.  At that point, you're talking a generic product and you can really only compete on price and possibly better service.  Competing on price is a fools errand in this case as the competitors will match your prices until you go broke.  Look at how Comcast and TWC ""miraculously"" boost speeds in cities when Google shows up.   For a different example, look at the airline industry and what has happened when a low cost competitor brings service to a city that has an airline fortress hub.  The big airline will double capacity on the route and match every price until they break the upstart.  The day (literally) the new airline folds, they cut service and raise prices."


Why should they? If investors' don't want nonvoting shares, they shouldn't buy them.  I don't like the big banks, but it's not like they are fleecing little old ladies here. The people with the first rights to the shares tend to be institutions who know what they are getting.


Well for starters you want to rent it for more than the apartment costs you.  Aside from mortgage you have insurance, and maintenance costs.  If you are going to have a long term rental property you need to make a profit, or at a bare minimum break even.  Personally I would not like the break even option because there are unexpected costs that turn break even into a severe loss. Basically the way I would calculate the minimum rent for an apartment I owned would be: (Payment + (taxes/12) + (other costs you provide) + (Expected annual maintenance costs)) * 100% + % of profit I want to make. This is a business arrangement.  Unless you are recouping some of your losses in another manner then it is bad business to maintain a business relationship that is costing you money.  The only thing that may be worth considering is what comparable rentals go for in your area.  You may be forced to take a loss if the rental market in your area is depressed.  But I suspect that right now your condo is renting at a steal of a rate.  I would also suspect that the number you get from the above formula falls pretty close to what the going rate in your area is.


"There's nothing you can do. If he has indeed deposited the check, it would appear on your account fairly quickly - I've never seen it taking more than 2-3 business days. However, a check is a debt instrument, and you cannot close the account until it clears, or until the ""unclaimed property"" laws of your state kick in. If he claims that he deposited the check, ask it in writing and have your bank (or the bank where it was deposited) investigate why it takes so long to clear. If he's not willing to give it to you in writing - he's likely not deposited it. Whatever the reason may be, even just to cause you nuisance. Lesson learned. Next time - cashier's check with a signed receipt. Re closing the LLC: if you're the only two partners - you can just withdraw yourself from the LLC, take out your share, and drop it on him leaving him the only partner. Check with your local attorney for details."


The currency market, more often referred as Forex or FX, is the decentralized market through which the currencies are exchanged. To trade currencies, you have to go through a broker or an ECN. There are a lot's of them, you can find a (small) list of brokers here on Forex Factory. They will allow you to take very simple position on currencies. For example, you can buy EUR/USD. By doing so, you will make money if the EUR/USD rate goes up (ie: Euro getting stronger against the US dollar) and lose money if the EUR/USD rate goes down (ie: US dollar getting stronger against the Euro). In reality, when you are doing such transaction the broker: borrows USD, sell it to buy EUR, and place it into an Euro account. They will charge you the interest rate on the borrowed currency (USD) and gives you the interest and the bought currency (EUR). So, if you bought a currency with high interest rate against one with low interest rate, you will gain the interest rate differential. But if you sold, you will lose the differential. The fees from the brokers are likely to be included in the prices at which you buy and sell currencies and in the interest rates that they will charge/give you. They are also likely to gives you big leverage to invest far more than the money that you deposited in their accounts. Now, about how to make money out of this market... that's speculation, there are no sure gains about it. And telling you what you should do is purely subjective. But, the Forex market, as any market, is directed by the law of supply and demand. Amongst what impacts supply and demands there are: Also, and I don't want to judge your friends, but from experience, peoples are likely to tell you about their winning transaction and not about their loosing ones.


As somebody that hasn't lived in areas where agriculture is present, I'm genuinely curious. Let's say I'm a recent high school graduate looking at jobs that are available to me. What room for advancement is there if I decide to start picking crops? Isn't that seasonal work? Could I count on a job that pays year round?  My impression is that lots of labor is needed for short periods of time when it comes to picking crops but that the jobs are temporary, which I can't imagine makes them particularly attractive to potential hires.


"This claims that ""once implemented, the liability will no longer fall on the consumer."" However, when this was introduced in the UK, a motivating factor for the banks was that liability was shifted away from them, and onto the consumer. Previously, if you had a forged signature, you were not liable. However, if somebody knew your PIN, the bank would say you have been negligent."


"I don't think you got my point. My point is, that although your statements seem great ""on paper,"" in reality this statement:  >Moreover, it can't be that hard to find a group of 4-5 people who aren't stupid. I can think of a dozen friends of mine off the top of my head I'd have complete confidence in if we decided to rob a bank.  Is complete bullshit."


Don't misunderstand man, I'm all about alternative energy.  I bought a Japanese Delica because they have the room I need and they're stupidly good on diesel.  (sadly, I blew the head at Christmas, now I need to get a new one, and until then I'm in an 07 Caravan).  I'd like to add solar panels to the farmhouse once all the other expenses are taken care of, and over the winter we only burn wood for heat in a high-efficiency triple-burn woodstove.


I’m actually curious why you think this is great as a marketer. I was under the impression that ads do better when people don’t know they’re an ad. Although I don’t understand how people don’t realize most of what they see on popular accounts is paid advertising.


"When you say that the problem is ""high supply but no demand"" you are actually correct. Here's why:  The phrase ""borrow/spend less, save more"" isn't an absolute law. It's more of a cautionary tale. Obviously, spending is an integral part of an economy: it accounts for at least 50% of every transaction! But the aphorism is getting at something other than admonishing people to not spend. The point of the saying is that interest rates should reflect savings rates.   What it comes down to is the how the law of supply and demand applies to the relationship between savings and interest rates. Consider this thought experiment: in a world where everybody saves 50% of their income, what would happen to interest rates? Banks would have a glut of savings, relative to the population. Assuming demand remains constant, interest rates would go down: the price of borrowing goes down as the supply of money to be borrowed increases. Thus a corollary of the law of supply and demand is that as savings increase, interest rates tend to go down.   So, as savings increase, the economic environment encourages capital improvements. Businesses can borrow at lower rates and increase long-term productive capacity. This is what the federal reserve has attempted to do by lowering the Fed Funds rate to near zero and by Operation Twist: increase economic activity through low borrowing costs.   So, what's the problem? When interest rates are artificially low there are no savings to support the production later in time. A company that borrows at a 1% rate created by the feds can build a factory to make widgets, but it will have a hard time selling that widget to a population with a negative net worth. However, if the 1% rate is ""natural"", then the company should be fine: the savings of the population should support the production from his widget factory.   For about 30 years we have experienced a credit boom in this country that was not created by excess savings. This trend couldn't continue forever. Look around you. At the end of the day, an economy is simply a group of people getting together to buy and sell stuff and services. Right now there is a lot of debt, and little cash. Who will be doing the buying?"


Yes, but the size and extent of a crime is very important in deciding what to do about it, whether or not it warrants taking resources from other crimes to fight it, or how to legislate or protect against it.  Presenting incorrect data makes it difficult to allocate resources in law enforcement for the best outcomes for society. Getting caught lying about relevant data makes those catching you less likely to take you seriously. Never cry wolf, after all.


A home away from home – This is essentially the main reason why RVs were invented: to serve as a home on the road. You wouldn’t need to worry if the place you’ll spend the night is cozy or not, because you have your home with you.


"The scenario you mention regarding capital gains is pretty much the core of the issue. Here's a run-down from PolitiFact.com that explains it a bit. It's important to focus on it being the tax rate, not the tax amount (which I think you get, but I want to reinforce that for other readers).  Basically, most of Buffett's income comes from capital gains and   dividends, income from investments he makes with the money he already   has. Income earned by buying and selling stocks or from stock   dividends is generally taxed at 15 percent, the rate for long-term   capital gains and qualified dividends. Buffett also mentioned that some of the ""mega-rich"" are hedge fund   managers ""who earn billions from our daily labors but are allowed to   classify our income as 'carried interest,' thereby getting a bargain   15 percent tax rate."" We don't know the taxes paid by Buffett's secretary, who was mentioned   by Obama but not by Buffett. Buffet's secretary would have to make a   high salary, or else typical deductions (such as the child tax credit)   would offset taxes owed. Let's say the secretary is a particularly   well-compensated executive assistant, making adjusted income more than   $83,600 in income. (Yes, that sounds like a lot to us, too, but   remember: We're talking about the secretary to one of the richest   people in the world.) In that case, marginal tax rates of 28 percent   would apply. Then, there would be payroll taxes of 6.25 percent on the   first $106,800, money that goes to Social Security, and another 1.45   percent on all income, which goes to Medicare. The secretary’s overall   tax rate would be lower than 28 percent, since not all the income   would be taxed at that rate, only the income above $83,600. Buffett, meanwhile, would pay very little, if anything, in payroll   taxes. In the New York Times op-ed, Buffett said he paid 17.4 percent   in taxes. Thinking of the secretary, it gets a little complicated,   given how the tax brackets work, but basically, people who make   between $100,000 and $200,000 are paying around 20 percent in federal   taxes, including payroll and income taxes, according to an analysis   from the nonpartisan Tax Policy Center. So in this case, the secretary's rate is higher because so much of   Buffett's income comes from investments and is taxed at the lower   capital gains rate. Here's Buffet's original Op-Ed in the NYT for those of you that aren't familiar."


I wouldn't buy a house at this time. Your credit card debt is the most expensive thing you have. Which is to say that you want to get rid of it as soon as possible. The lawyer isn't cheap, and your personal situation is not fully resolved. Congratulations on paying off the IRS, and getting up the 401k to 17.5k.  Take care of the two things in paragraph 1, first,and then think about buying a house. You're doing too much good work to have it possibly be derailed by home payments.


Congratulations on being in such good financial state.  You have a few investment choices. If you want very low risk, you are talking bonds or CDs. With the prime rate so low, nobody is paying anything useful for very low risk investments.  However, my opinion is that given your finances, you should consider taking on a little more risk. A good step is a index fund, which is designed to mirror the performance of a stock index such as the S&P 500. That may be volatile in the short-term, but is likely to be a good investment in the longer term. I am not a fan of non-index mutual funds; in general the management charge makes them a less attractive investment.  The next step up is investing in individual stocks, which can provide very big gains or very big losses.  The Motley fool site (www.fool.com) has a lot of information about investing overall.


I realize that for sure. I traded it speculatively in early 2013 during that meteoric rise. I'm just saying that it seems these currencies only exist because the big banks allow them to. Large scale adoption, I believe, will always be stymied by the big boys who can wipe out steady growth with a wave of their hand. Average folks just will never have the stomach to hold through that type of tumult.


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I think that one-sided is nicer for a more professional occupation or aim. If you do decide to go two-sided, I would make sure that the back is something minimalist. As one other commenter said, it is nice to have space to write extra info on a card.   Plus, it is nice to be able to tell which side is the front as soon as possible.


Not prohibitively expensive to the degree that it can't be done on accident. But it does go against the model of fast and cheap as possible.   I've worked in a few places built in a way that huge swaths of the building are almost impossible to get signal in.   There is a way for them to have their cake and eat it too but it would require a carrier being in cahoots with the company trying to control internet access on premise.


In the UK at least, we have Credit Unions. Credit Unions are not-for-profit organisations that don't pay interest on your balance, but instead give you a share of their profits at the end of the year (or at least my local branch do). This normally equates to around 1% of my balance.


Structuring, as noted in another answer, involves breaking up cash transactions to avoid the required reporting limits.   There are a couple of important things to note.   And, the biggest caveat - there have been many cases of perfectly legitimate transactions that have fallen foul of the reporting requirements.  One case springs to mind of a small business that routinely deposited the previous day's receipts as cash, and due to the size of the business, those deposits typically fell in the $9,000-$9,500 range.  This business ended up going through a lot of headaches and barely survived.  Some don't.   A single batch of transactions, if it is only 2 or 3 parts and they are separated by reasonable intervals, is not likely in and of itself to be suspicious.  However, any set of such transactions does run the risk of being flagged.   In your case, you also run afoul of the Know Your Customer rules, because it's not even you depositing the cash - it's your friend.  (Why can your friend not simply write you a check?  What is your friend doing with $5k of cash at a time?  How do you know he's not generating illegal income and using you to launder it for him?)  Were I your bank, you can be very certain I'd be reporting these transactions.  Just from this description, this seems questionable to me.   IRS seizes millions from law-abiding businesses


As you can imagine, this company did not survive very long...  The business model for this type of software is normally based on subscription revenue, which is typically 70% of turnover. The company had subscription revenue of just 30% of turnover due to piss poor customer support, and it soon collapsed as the market was saturated, when there were no more gullible customers left.  The product still survives, but with just a handful of customers...


">I fucking hate it when I see another rich kid acting like they came from slums  Where did David Knopf claim he was from the slums? You got a source for that?  >and worked their way up the ladder  How do you know he didn't? Life is a bell curve. Some people climb the ladder much faster than others. Some people may climb because of nepotism. Some people genuinely are better than most other people. You think everyone should rise up at the same pace? Move to Japan.  >delusional twats much like yourself believe that you can earn anything with just some ""hard work bruh.""  Not just hard work, but also talent. If everyone works the same amount, those who are more talented will *generally* have more success. Of course, some is subject to chance, some people have a head start, etc., but in general, that's the way that the world has proven to work.  >About every successful silicon valley startup such as Microsoft, Facebook, and Snapchat were founded by kids with very prominent parents.  Yeah, Microsoft. K. So Bill Gates grew up with upper middle class parents. Know what? So did a fucking *huge* amount of people. Know how many are as rich as Bill Gates? Fucking none of them. He had a head start, absolutely, but that doesn't take away his success. He's done more with what he was given than any of his peers, and likely more than anyone regardless of beginning income level could do.   Zuckerberg's dad was a dentist. Upper middle class, but if you're *really* being honest with yourself, you'd realize that there are almost 200k dentists in the US alone, and yet there aren't 200k multi billionaires. Hm.   Sergey Brin, co-founder of Google, was the son of a professor who immigrated from Russia. Steve Jobs was the adopted child of two blue collar workers.  Of course, if we move out of just Silicon Valley, your narrative really, *really* falls apart, since Silicon Valley of course has a little bit of a lean towards the wealthy,  as computers aren't cheap and getting started in that arena requires the use of a computer.   [Take a look at billionaires in general](https://www.bloomberg.com/news/photo-essays/2010-12-06/twenty-billionaires-who-started-with-nothing). Most billionaires [did not inherit their wealth](https://www.forbes.com/forbes-400/self-made/#7d08bb1941cb). And, something like a [third](https://blog.adioma.com/wp-content/uploads/2013/04/from-poor-to-rich-billionare-infographic.jpg) of the richest billionaires came from 'poor' parents, in addition to simply not inheriting their wealth.  >whats the fucking difference between someone who inherits their money and someone who practically has a trust fund?  A trust fund is a sort of an inheritance. I'm not sure why you're bringing this up?  >Again he is not self made. He's just an extension of his parents achievements...  Source? I saw that someone who shares the name Knopf is wealthy (posted in this thread), but are those actually his parents? Do you have proof of that? Or are you just guessing that since he's made it to an executive position and shares the name of someone wealthy, that those are his parents? Further, *if* those are his parents, how does wealth from publishing transferring into a job at a consumer staples company work?  Why is your first assumption when you see someone successful that they had it handed to them? Why do you need to selectively choose a small subset of people (Silicon Valley startups) out of an already limited group (billionaires) to be able to even attempt to make your point?"


My account is with Indian Bank, if that's relevant. Indian Bank already has SWIFT BIC. Is there any way I can receive such international transfers in my account if the bank branch itself is not SWIFT enabled? The Branch need not be SWIFT enabled. However the Bank needs to be SWIFT enabled. Indian Bank is SWIFT enabled and has several Correspondent Banks in US. See this link on Indian Bank Website Select USD as filter in bottom page. It will list quite a few Banks that are correspondent to the Indian Bank. Click on the Link and it will give you more details. For example with Citi Bank as Correspondent. In the Beneficiary account details fill in your account details etc and send this to the company and they should be able to send you a payment based on this.


Long-term bonds -- any bonds, really -- can be risky for two main reasons:  return on principal, or return of principal.  The former is a problem if interest rates are low (which they are now in the US) because existing bonds will fall in price if interest rates rise.  The second is a problem if the lender defaults: IOU nothing. No investment is riskless.  Short-term bonds command a lower interest rate than long-term bonds (usually) because of their quicker maturity, but short-term bonds carry risk just like long-term bonds (though the interest rate risk is lower, sometimes quite a bit lower, than for long-term bonds).


I think the first step is to get an accountant whose advice you believe. Your accountant is far better placed to advise you on what sounds like a fairly complicated, fairly high stakes corporate arrangement than the internet.  I would go back to the accountant and get him to explain in writing what his specific advice is. If you still don't like it absolutely get a second opinion. You may also want to speak to a lawyer.


> What exactly does Russia get from us, if anything, that they can't get somewhere else?  Food, capital and human capital.  > And if they get something I guarantee Putin has found a substitute source  E.U. and the US produces some of the worlds best produce in terms of quality and quantity. Russia has no problem feeding their population. If they're cool with eating nothing but wheat and corn.  > IMHO this is not as bad as the media wants you to believe.  Actually it's gonna be pretty fucking bad for the Russian people. They are already suffering from inflation and GDP stagnation from the previous years sanctions.


No time for random fights.   I'm busy creating jobssssss.  But snark aside.  How do you fill the gap between what people require to survive and what they actually get.   Clearly it's better for society as a whole that the indigent and poor be taken care of because the alternate is much more costly long term (for profit prison system yea!)  I would posit that you aren't going to do that by raising minimum wage.   It's not the long term course correction that we need.    While you probably have a picture in your mind of me being hard right cheering during Fox news broadcasts that would be incorrect.  I'm still pissed the DNC shafted Sanders during the primaries and we ended up with Trump as a direct result of their arrogance.


"From the Times A Reader Q.&A. on G.M.’s Bankruptcy Q. I own G.M. preferred shares. Should I be looking to sell them, or   hold on? I bought them at $25 a share when they were issued in late   2001. — Karen, Manhattan A. When a company files for bankruptcy, its various stock and   bondholders essentially get in line. The first investors to be repaid   are secured debt holders, then senior bond investors, followed by   subordinated debt holders. Preferred shareholders are next, and   lastly, holders of common stock. In a bankruptcy, preferred shares are usually worthless, much like   shares of common stock. But in the case of G.M., there may be some   good — or at least somewhat better — news. Most of G.M.’s preferred   shares are actually senior notes or “quarterly interest bonds,” which   means you will be treated as a bondholder, according to Marilyn Cohen,   president of Envision Capital Management. So you will be able to   exchange your preferreds for G.M. stock (bondholders will receive 10   percent of the new company’s stock). It’s not the best deal, but it   beats the empty bag true preferred shareholders would have been left   holding. Of course this is just one example, and you were hoping to get some larger picture. The article stated ""In a bankruptcy, preferred shares are usually worthless, much like shares of common stock"" which at least is a bit closer to that, if you accept usually as a statistic."


"This was purely an attempt to cash in on an overpriced fad.  ""Designer"" juices are a craze that leads people to buy insanely expensive exotic ingredients like fruits and vegetables, as well as spending hundreds apiece on blenders and different sorts of juicers.  In fact, this has driven up the price of those kitchen appliances very substantially.  There are juice bars selling designer juice blends for $12 a serving, each claimed to promote something such as memory, focus, deep thinking, concentration, relaxation, muscle tone, reduced anxiety, and more, all based on pseudo- or junk science."


"You're probably looking at the [""fan site.""](http://eatcookout.com/about/) For some reason, cookout's actual site doesnt show up in google. Their location page is here: [cookout.com](http://cookout.com/index.php?option=com_location&view=location&Itemid=3)  Their MD location is:  Cook Out Salisbury, MD  1115 S Salisbury Blvd  Salisbury, MD, 21801"


The idea of capitalism doesn't apply here along with any other natural rule of economics.  These are government jobs. Has zero to do with supply/ demand etc. and everything to do with what sounded good to a politician on that day.  A lot of good those teachers unions are doing them.... but they help vote in the unions favorite party members!


I just returned from overseas and for the most part it isn't TSA thats the worst part its the other parts that get added on. In comparison if I fly through to another country in Europe my items are checked through, I'll wait 15 minutes to get my passport stamped and stand in line for my plane. If you land in America from international you have to wait through customs (I just waited 1.5 hours but I know thats not standard) then I had to get my bags and recheck them through the airline, and finally I had to go through security yet again except this time instead of having to take things out of my pockets I had to remove my shoes, take everything out of my pockets and then get a complete body scan (not sure how I feel about those yet though I know many on here hate them)   It really is just more inconvenient and seemingly unnecessary


"Nothing stops you doing that, but there's no gain to be had by doing it. ""Removing it from being a tax liability"" isn't a single event that happens when you put money in an ISA. The money that actually goes into the ISA is post-tax income, not pre-tax income.  The benefit you get is that as long as you leave your money in the ISA, you don't pay tax on interest or capital gains within the ISA. If you liquidate an ISA immediately after creation, you won't get any such interest and therefore no tax benefit."


So whoring ourselves out by charming men, great, lets not just be ourselves  I refuse I will be me if that is enough I don't give a damn  When exactly will women NOT be sex objects? Exactly when? And why do women do this, why did Madeline have to do this?  Come on, going to be a tough meeting, wear that nice little tight number to make the fellas happy NOT ME NOT ME  I WILL DIE FIRST


"I would say ""yes"" to your question.  CD's purchased from a bank on your behalf by your broker will be FDIC insured and safe.  However, be aware that no one is examining the broker except you to ensure that each CD is actually purchased from an FDIC insured bank.  Don't trust them blindly. See risks mentioned by the FDIC on the subject Remember, the broker should not originate the CD, so the broker's lack of FDIC protection is irrelevant.  The job of a broker is to buy things on your behalf.  If your broker does that appropriately and sticks with FDIC insured CD's, you will be insured. Given the risks and gotchas mentioned in the link, buying directly from a bank instead of through your broker still sounds like good advice to me but you can make your own decision based on your level of trust and aversion to inconvenience."


I am going to add in an opinion here from the Wall Street Journal that I read this morning in What's at Stake in the Greek Vote, in light of current events and elections in Greece. The article claims that if the election results make it sound like a break from the Euro is imminent then ... we will see a full-fledged bank run. Greek banks would collapse ... The market exchange-rate would likely be two or three drachmas to the euro, which would double or triple the Greek price of imported goods within a few days. Prices of assets, including real-estate assets, would crumble. Those who moved their deposits abroad would be able to buy these assets cheaply, leading to a significant, regressive redistribution of Greek wealth. In short, you'd lose two-thirds of your savings unless you were storing them somewhere safe from the conversion. The article also predicts difficulty importing goods (other nations will demand to be paid in euro, not drachma) leading to disruption of trade and various supply shortages.  I will note that the predictions here seem to be in opposition to some other advice here which suggests that real estate will be an effective hedge.


I think it's interesting that the other answers here all focus on the possibility of a software glitch or other unintentional error in the ATM behaviour.  Personally, I keep ATM receipts so that if I spot a withdrawal I don't recognise, it sways it in favour of being fraud (as opposed to memory failure) if I also don't have a receipt for it.  I also always withdraw the same amount and it is not one of the default amounts presented on the screen. Again, just a way to make any fraudulent transaction stand out on my statement.


I would use the withdrawal date to record, as it represents you no longer have these funds in your account whether you have written a check and/or transferred money you should count the funds as no longer being in your account.


"It has little to do with money or finance.  It's basic neuroscience.  When we get money, our brains release dopamine (read Your Money and Your Brain), and receiving dividends is ""getting money.""  It feels good, so we're more likely to do it again. What you often see are rationalizations because the above explanation sounds ... irrational, so many people want to make their behavior look more rational.  Ceteris paribus a solid growth stock is as good as a solid company that pays dividends. In value-investing terms, dividend paying stocks may appear to give you an advantage in that you can keep the dividends in cash and buy when the price of the security is low (""underpriced"").  However, as you realize, you could just sell the growth stock at certain prices and the effect would be the same, assuming you're using a free brokerage like Robin Hood. You can easily sell just a portion of the shares periodically to get a   ""stream of cash"" like dividends. That presents no problem whatsoever,   so this cannot be the explanation to why some people think it is   ""smart"" to be a dividend investor. Yes, if you're using a brokerage like Robin Hood (there may be others, but I think this is the only one right now), then you are right on."


1) Yes, buyouts are always higher than the trading price. 2) ANYTHING can be negotiated. There is no rule saying buyouts have to be higher.


Not to be a jerk, since I'm learning about options myself, but I think you have a few things wrong about your tesla put postion.  First, assuming it was itm or atm within a week of strike it would maybe be worth $12-15, I glanced at the 11/10 put strikes ~325 trades for $12.65 https://www.barchart.com/stocks/quotes/TSLA/options?expiration=2017-11-10  The closer it gets to expiry theta decay reduces put value significantly, the 325's that expire tomorrow are only worth $2.60.   Expecting TSLA to drop from 325 to 50 a share by Jan has a .006% chance of occuring according to the current delta. It's a lottery ticket at best.  _____ Lastly the $50 price is the expected share price at the date of expiry. The price you pay is 57c for the options. So in order to get to your 494k number TSLA would need to decline $50 dollars to a price of 275 a share. You wouldn't want to buy 50 dollar puts, just the 275 puts, provided it declines very quickly.   EDIT: I was looking at the recent expiration to get an idea of atm or itm prices, since it's not like you would hold to expiration. Also the Jan has a 0.6% chance of hitting 50, not .006%. That said what I've noticed when things start to slide is that puts have a weird way of pricing themselves. For example when something gradually goes up all of the calls go up down the chain through time frames, but puts do not in the same fashion. Further out lower priced puts won't move nearly as much unless the company is basically headed for bankruptcy.


Chúng tôi cung cấp dịch vụ giá cả phải chăng thach cao gia re. Thậm chí dịch vụ trần thạch cao cong cũng rất tuyệt đối với bề mặt, vì nó có thể không có vấn đề gì khi kích hoạt bằng thảm trải bằng ống mao mạch SMY, bởi vì kích thước nhỏ của ống mao dẫn khiến thảm rất linh hoạt. Đây là một trong những nhóm thực hiện tổng thể cao hơn cung cấp dịch vụ thạch cao giá rẻ, chúng tôi sử dụng vật liệu tốt nhất, tran thach cao dep. Mục tiêu của chúng tôi là hoàn thành sự hài lòng về trần nhà và thạch cao đúng cách bền lâu.


If you buy, you also have to consider what others can afford to pay. If people are not going to pay more than 50k, why buying overpriced crap for 400k, which is going to be cheap in 5 years. Just rent out and wait for a deal or cheaper rent near-by.


If your criteria has changed but some of your existing holdings don't meet your new criteria you should eventually liquidate them, because they are not part of your new strategy. However, you don't want to just liquidate them right now if they are currently performing quite well (share price currently uptrending).  One way you could handle this is to place a trailing stop loss on the stocks that don't meet your current criteria and let the market take you out when the stocks have stopped up trending.


From March 26th to May 3rd FACE had an average trade volume of 11,657 shares. May 4th Bloomberg published its widely reported [article](http://www.bloomberg.com/news/2012-05-03/zuckerberg-s-facebook-ipo-will-make-him-richer-than-ballmer.html) about how the upcoming Facebook IPO would make Zuckerberg one of the richest people in the world. On May 4th, 212,000 shares of FACE were traded (an 18x increase) and the price jumped from 3.10 to 3.79, up 22%.  Maybe it's not that surprising, considering even news articles in [Yahoo! Finance](http://finance.yahoo.com/news/facebook-underwriters-1-1-percent-010320322.html) can't keep the companies straight.  Still, if you accidentally bought FACE it's not all that bad. In fact, [you're doing much better](http://finance.yahoo.com/echarts?s=FB+Interactive#symbol=fb;range=20120518,20120601;compare=face;).  Yes, FACE's 10-Q came out the previous day, but past 10-Q releases didn't result in any sudden increase in trading volume at all: [11/3/2011](http://finance.yahoo.com/echarts?s=FACE+Interactive#symbol=face;range=20111018,20111111;), [8/4/2011](http://finance.yahoo.com/echarts?s=FACE+Interactive#symbol=face;range=20110718,20110811;), [5/5/2011](http://finance.yahoo.com/echarts?s=FACE+Interactive#symbol=face;range=20110418,20110511;)


"Edgar Online has this information for companies under SEC regulations and they are reported in ""Form 4"" so that should help guide your search"


...ok, you understand that the board of directors don't collect all of the profit from a company, and that shareholders can sell stock, right?   It his honestly confusing to me that you have a problem with shareholders being given ownership in a company that is spun off from the company that they own.


That is such a vague statement, I highly recommend disregarding it entirely, as it is impossible to know what they meant. Their goal is to convince you that index funds are the way to go, but depending on what they consider an 'active trader', they may be supporting their claim with irrelevant data Their definition of 'active trader' could mean any one or more of the following: 1) retail investor 2) day trader 3) mutual fund 4) professional investor 5) fund continuously changing its position 6) hedge fund. I will go through all of these. 1) Most retail traders lose money. There are many reasons for this. Some rely on technical strategies that are largely unproven. Some buy rumors on penny stocks in hopes of making a quick buck. Some follow scammers on twitter who sell newsletters full of bogus stock tips. Some cant get around the psychology of trading, and thus close out losing positions late and winning positions early (or never at all) [I myself use to do this!!]. I am certain 99% of retail traders cant beat the market, because most of them, to be frank, put less effort into deciding what to trade than in deciding what to have for lunch. Even though your pension funds presentation is correct with respect to retail traders, it is largely irrelevant as professionals managing your money should not fall into any of these traps. 2) I call day traders active traders, but its likely not what your pension fund was referring to. Day trading is an entirely different animal to long or medium term investing, and thus I also think the typical performance is irrelevant, as they are not going to manage your money like a day trader anyway. 3,4,5) So the important question becomes, do active funds lose 99% of the time compared to index funds. NO! No no no. According to the WSJ, actively managed funds outperformed passive funds in 2007, 2009, 2013, 2015. 2010 was basically a tie. So 5 out of 9 years. I dont have a calculator on me but I believe that is less than 99%!   Whats interesting is that this false belief that index funds are always better has become so pervasive that you can see active funds have huge outflows and passive have huge inflows. It is becoming a crowded trade. I will spare you the proverb about large crowds and small doors. Also, index funds are so heavily weighted towards a handful of stocks, that you end up becoming a stockpicker anyway. The S&P is almost indistinguishable from AAPL. Earlier this year, only 6 stocks were responsible for over 100% of gains in the NASDAQ index. Dont think FB has a good long term business model, or that Gilead and AMZN are a cheap buy? Well too bad if you bought QQQ, because those 3 stocks are your workhorses now. See here 6) That graphic is for mutual funds but your pension fund may have also been including hedge funds in their 99% figure. While many dont beat their own benchmark, its less than 99%. And there are reasons for it. Many have investors that are impatient. Fortress just had to close one of its funds, whose bets may actually pay off years from now, but too many people wanted their money out. Some hedge funds also have rules, eg long only, which can really limit your performance. While important to be aware of this, that placing your money with a hedge fund may not beat a benchmark, that does not automatically mean you should go with an index fund. So when are index funds useful? When you dont want to do any thinking. When you dont want to follow market news, at all. Then they are appropriate.


"I'll take an alternate route: honesty + humor. Say something like this with a smile and a laugh, like you know they're crazy, but they maybe don't know it yet. ""Are you crazy? Co-signing a loan can put us both in a lot of potential danger. First, you shouldn't get a loan that you can't afford/attain on your own, and second, I'd be crazy to agree to be liable for a loan that someone else can't get on their own. You want something bad enough, you get your credit rating in order, or you save up the money - that's how I bought (my car/house/trip to Geneva). I'd be happy to point you in the right direction if you want to put a plan together."" You're offering help, but not the kind that puts you in danger. Declining to co-sign a loan can't damage your relationship with this person as much as failure to pay will."


Nitransfers - A USA Leading E-commerce Company. Buy Breast Cancer Products Online at the best price in Florida, USA. Our goal is to make the best heat transfers, that are easy to peel and will last longer than the garment you print it on.


"I think that pattern is impossible, since the attempt to apply the second half would seem to prevent executing the first. Could you rewrite that as ""After the stock rises to $X, start watching for a drop of $Y from peak price; if/when that happens, sell."" Or does that not do what you want? (I'm not going to comment on whether the proposed programmed trading makes sense. Trying to manage things at this level of detail has always struck me as glorified guesswork.)"


As far as games are concerned, I've found that piracy is often easier and less time-consuming than using the original version. I know that I have personally bought games and then installed the cracked version so I didn't have to dig out the CD every time I wanted to play a game.


People were predicting a big market crash last year.  The fact is no one knows when it will happen, its really just speculation.  Yes, there will be a crash but when?  Idk, people say every 8 years from past history but who knows with all the technological advancements.  Plus the last real crash was 9 years ago (2008) when Congress rejected a bank bail out plan which caused mass panic.


You can withdraw the contributions you made to Roth IRA tax free. Any withdrawals from Roth IRA count first towards the contributions, then conversions, and only then towards the gains which are taxable. You can also withdraw up to $10000 of the taxable portion penalty free (from either the Traditional IRA or the Roth IRA, or the combination of both) if it is applied towards the purchase of your first primary residence (i.e.: you don't own a place yet, and you're buying your first home, which will become your primary residence). That said, however, I cannot see how you can buy a $250K house. You didn't say anything about your income, but just the cash needed for the down-payment will essentially leave you naked and broke. Consider what happens if you have an emergency, out of a job for a couple of months, or something else of that kind. It is generally advised to have enough cash liquid savings to keep you afloat for at least half a year (including mortgage payments, necessities and whatever expenses you need to spend to get back on track - job searching, medical, moving, etc). It doesn't look like you're anywhere near that. Remember, many bankruptcies are happening because of the cash-flow problem, not the actual ability to repay debts on the long run.


If I apply for a job at my hedge fund's PB, how likely is it that will come back to my firm through sales contacts and such? It's not a job within the PB business if it makes a difference. Do banks have policies against hiring from their PB clients? What about from S&T customers?  This would be at the associate level if it matters.


1) Because it's a law specifically to prevent exploitation of uneducated people with unskilled labor  2) Because everyone else who gets paid by the hour gets paid 1.5x for hours above 40/week  3) People in skilled positions who are paid per hour are paid 1.5x for hours above 40/week


Sedation You should note that you will be under dental sedation (often via a local anesthetic) whenever you have a wisdom tooth removed, so it’s best to prepare for it, preferably by bringing along someone who can drive you home after the procedure.


> Are you fucking stupid or just retarded?  no. but you are.  US debt to GDP is now where the PIIGS were when they exploded.  https://fred.stlouisfed.org/series/GFDEGDQ188S  Yes. the war spending was a killer. (try to guess what Obama did with that war spending. Are you trying to say something?)  Just in case you miss military spending under Obama.  http://www.westernjournalism.com/no-the-military-has-not-withered-away-under-obama/  https://rogueoperator.wordpress.com/2011/10/21/obama-beats-bush-in-military-and-war-spending/


I'm not speaking about what's happening. I simply don't know enough about these crazy things. But I speak in general. Man... no one likes the fruit punch lol.  Just because it goes against our cookie cutter nationalism or democratic spirit. But I think if everyone listens to their rationality... they'll find at least some of the things I mentioned to be spot on. And this realization can help us better use our political system. (Speaking to everyone broadly and not necessarily a reply to your comment...)


It's still the purchase price or the price at which the shares are purchased or granted. This Investopedia article describes how the price is used for tax purposes: The amount that must be declared [for tax purposes] is determined by subtracting the original purchase or exercise price of the stock (which may be zero) from the fair market value of the stock as of the date that the stock becomes fully vested. Restricted stock awards are similar to stock options. The employer promises to grant the employee a certain number of shares upon the completion of the vesting schedule. The price at which the shares are purchased (or granted, if the price is zero) is the exercise price.


This. My partner is a highly skilled tech worker and we have slowly been coming up with a back up plan to leave if things get too crazy. I was born here and fully intended to die here but I have a chronic illness that could kill me and I'm scared. I know a few others who are doing the same.


Different goals, so different press release styles. People don't really associate Microsoft with hardware, so they need to establish themselves as a player in this market, where Apple was already set to get right into what their latest device does.  I wish them both success... The market is easily big enough for both, and competition benefits us as consumers. Surface looks cool, and is something I've wanted in the past (minus Windows 8), but if I got one, I'd still keep my iPad.


Yes, I think this is the general idea. We're going through a deleveraging. On the one hand, this isn't entirely a bad thing because the financial crisis showed some people were lending irresponsibly. A lot of bad loans were made and bad loans that don't get repaid cause a lot of havoc.  One the down side, like the original poster said this makes it seem like money is drying up. This has been a bigger problem in some places than other. A lot would argue, myself included, that the US has deleveraged relatively--and key word is relatively--smoothly. Other places, like Europe have not been so lucky.


I work for a boutique recruitment firm as a Marketing manager and I love it. I used to work as a back-end developer but later transitioned into front-end which led me into Digital Marketing.   I still get kicks when I read code. I am a programmer at heart and I love tech but I don't see myself ever pursuing it professionally. Programming is a chase down the rabbit hole.


I think you really have to ask yourself if its worth it, the risk/reward.  Can you trust a publicly traded company with your data in return for the analytics you can get back from them?


I don't know of any financial account that offers that kind of protection. I'm going to echo @Brick and say that if you need that level of restrictions on the money, you should talk to a lawyer. Your only option may be to setup a trust. If you are willing to go with a lower level of restrictions on the account, a 529 plan could do the job. A 529 Plan is an education savings plan operated by a state or educational institution designed to help families set aside funds for future college costs. It will be in your daughters name, and has the benefit of being tax advantaged, unless its used for non educational expenses. Since your daughter is a minor, there would have to be a custodian for the account that manages it on her behalf. The penalty for using it for non educational expenses might suffice to keep the custodian from draining the account, and I believe the custodian has a fiduciary duty to the account holder, which would open them up to lawsuits if the custodian did act in a way that was detrimental to your child.


This is the damaged goods (https://en.wikipedia.org/wiki/Crippleware) setting in economics. It makes perfect sense from the manufacturing point of view, since is damn expensive to have lines dedicated for different products.  I don't know if I agree with it, but it is good business to do so. Is the same principle of paying more to have a better seat in an airplane, is the same service but with better conditions and service.


"While I'm sure there's some truth to the argument that unsophisticated retail investors index against the S&P 500 thinking that they're tracking ""the market,"" I don't think it makes sense to steer the S&P 500 in that direction to cater to that lowest common denominator. The *ad absurdum* conclusion of that course of action, of course, would be to abolish the S&P 500 entirely and move those assets into the S&P Total Market Index. But clearly there's value in having an index that tracks US large-caps with single share classes, just as there's value in having an index that tracks US large-caps in general.  As for whether it will be a loss for passive investors...it will be interesting to see how that pans out. Maybe good corporate governance and direct accountability by managers really do contribute positively to returns in the long run and investors will benefit from this change as a result. Or maybe this will result in companies with multiple share classes being undervalued and create an opportunity to earn outsized returns by investing in them, and indexes that omit those companies will underperform. Only time will tell."


First of all, I agree with both the conclusion in the question and Ganesh’s answer – avoid funds or stockmarket based instruments, given the short timescale and need to draw an income. However I think looking at savings accounts only is missing a trick. At the moment there are several current accounts that pay >2% interest on balances the size of which you’re proposing. The list of which accounts are offering which rates / conditions at which point in time will vary, so here is a link to a good source of regularly  updated information: https://www.moneysavingexpert.com/savings/savings-loophole  There are some conditions, but the best interest rate on offer (that isn't limited to one year) appears to be 3% – much better than the leading instant access savings account.


"not a fan of Taylor swift, but this article is pretty silly. her beef is with her promotion style? that she says she is going to announce something on August 18th, and then proceeds to announce something on August 18th? like ""you were supposed to surprise me! the way you have promoted your record is so unoriginal""... never mind what the album sounds like... her go-to-market strategy is so cliche!"


"Sure. But that's a massively different statement than ""his parents handed him the job"". There are tons of other kids who grew up in similar circumstances with similar advantages that aren't fucking CFO of major corporations at age 29. It's an incredible accomplishment regardless of his background."


Patience is the key here, I hate to say! There are five factors to FICO credit scores:  Payment history is adversely affected by late payments - so always pay on time, otherwise your report will be haunted for seven years! 👻 Credit utilization has to do with how much of your available credit is currently in use - lower is better, but 0% isn't good either because they want to see that you're using credit. 10% or less is a good goal, and try to keep any single card balance to 30% or less when its statement close date rolls around. Credit history is based on the average age of all of your accounts, cards or otherwise, the older the better. Don't close either of your other cards (because that would cause your average account age to fall), and make sure to use the store card at least occasionally, because lenders sometimes decide to close unused lines of credit. Credit mix has to do with the different types of credit you hold and is why your bank's website suggested taking out a loan. It also has to do with the number of accounts overall; I've never found a satisfactory answer for what the sweet spot is, but I suspect it's in the 6-12 range? You wouldn't want to get several new ones at the same time because... New credit is affected by the credit inquiries (hard pulls) that occur when you apply for new cards or loans. Inquiries stay on your report for two years before falling off. This is almost certainly where your score dropped. You also mentioned not knowing if some hospital bills are still affecting your score. You'll want to review your credit reports and find out, plus checking your credit reports regularly is a really great habit to get into because errors (and fraud) can and do happen. There are three credit reporting agencies: Experian, Equifax, and TransUnion, and you'll want to review all three. You can get one free report from each of them every year: https://www.usa.gov/credit-reports It can take a couple of months for a new credit account to show up on your credit report, so your score should recover and go even higher once that happens. Sit tight, as annoying as that is!


It's also bad to create skewed incentives that result in the best candidate not getting the job.   Or should we have no feelings for the other candidates who apply?   Edit: Hypothetical situation. My wife gets a job in another city, and I also need to relocate. I currently have a job. I am the best candidate for a new job, but don't get it because of the proposed tax credit.   Not only have you created an incentive for the company to hire a second best candidate, which is bad for the company and its customers, but I am unable to relocate.   Bad policy. Economic engineering that sounds good, but is not the most efficient means of allocating resources.


Fun Fact Followup: The war on terrorism is directly correlated to increases in measures to follow money that isn't being claimed as income (aka laundered). The acts being instituted to prevent the funding of terrorism have made cash increasingly difficult to spend and made the tracking of earnings more of a priority.


Ya BK is definitely not the enemy here.  It was a smart business decision and if the US doesn't want to lost key businesses and industries to overseas they need to work with companies to come up with a tax structure that's realistic rather than charging damn near half for the top tier marginal rate and calling companies unAmerican for wanting to leave.


Where do you live that an apartment costs $1000 but the minimum wage is still the federal minimum? For example NYC is expensive, but they have a $11.50 minimum wage to compensate. San Francisco's minimum wage is $10.24. You'd have to be living in a big city for that kind of rent, but big cities have higher minimum wages.  As for childcare, $1000 also seems very high. A reasonable childcare center in most parts of the country should cost arond $400 or so.   http://childcare.about.com/od/costofchildcare/qt/daycarecost.htm


credit cards are almost never closed for inactivity. i have had dozens of cards innactive for years on end, and only one was ever closed on me for inactivity. i would bet a single 1$ transaction per calendar year would keep all your cards open.  as such, you could forget automating the process and just spend 20 minutes a year making manual 1$ payments (e.g. to your isp, utility company, google play, etc.).  alternatively, many charities will let you set up an automatic monthly donation for any amount (e.g. 1$ to wikipedia). or perhaps you could treat yourself to an mp3 once a month (arguably a charitable donation in the age of file sharing). side note: i use both of these strategies to get the 12 debit card transactions per month required by my kasasa checking account.


Yes factor into your fund the cost of health insurance.  You basically have three options when facing a loss of income for 3-6 months: Pre-ACA the COBRA one was the default option many planned for because there was no need to change doctors. Of course many people were shocked how expensive it was compared to just looking at the employees share of the monthly premium. For planning you can do some research into the cost of one of the ACA approved plans in your state. Keeping in mind that the lack of income might qualify you for a subsidy. As to the coverage level, that would depend on your situation and the perceived gap. I have known many people who didn't have to pick COBRA until after the new job started so they knew exactly what they needed to cover and what their bills were during the gap.


It says Amazon has no profits (or very low profits) but the value of the company is very high and growing because of the high revenue. All of the returns to investors are in the form of increased share price which isn't realized or taxed until the shares are sold. This isn't a loophole. Anybody can run a business where they spend most of their revenue on operating costs and run on very slim margins with the goal of growing the revenue.


Many people have criticized the Groupon IPO model because it doesn't make sense as an investment, unless you are an insider with cheap shares. Basically, you have:


> Indeed, the most popular of the funds, the Barclays iPath fund, known broadly by its ticker symbol VXX, has since its inception averaged a yearly return of negative 58 percent, according to FactSet.  > Or look at it this way: If an investor bought VXX when it came to market in 2009 and held onto it until now, that investor would have lost 99 percent of his investment.  perfect for /r/wallstreetbets !