text stringlengths 1 17k |
|---|
Are you talking about TARP because that was paid back early and at 6.2% interest, the gov't made money on that bailout. The auto bailout however lost the gov't billions at the taxpayers expense and the bondholders got screwed over and the unions made out like bandits. Your title just shows how bias and uneducated you... |
"This is why I hate any article talking about luck and success. It gives people an excuse as to why they aren't successful in life (I'm not lucky) and a way to shit on anyone that is successful (something Reddit loves). ""See if you throw enough mud at a wall, eventually some of it will stick. And if 20,000 people s... |
Find a way to raise the cash needed to pay the store back, plus penalties. Be humble and apologetic. You have committed fraud. Depending on the amount, it may be a felony. Be an adult, settle the debt. If not, they have grounds to open a complaint with law enforcement. Your county jail probably has a number of r... |
the math makes sense to invest instead of paying down, but... how much would you borrow at 3.5%, to invest the money into the stock market? It's the same question, just turned around. |
I think you have to dispute with the Credit Union provider that the funds have not reached the account. Ask them for the details, even if electronic, they will have reference numbers. Also provide the Credit union your copy of the current loan account ... it would not reflect the credit. Keep following up |
"A bank may not like loaning money to you for this. That is one snag. You listed 500,000-600,000$ for a monster of a house (3000 sqft is over three times the average size of homes a hundred years ago). Add in the price of the land at 60K (600K divided ten ways). Where I live, there is a 15% VAT tax on new homes. I can... |
ERROR: type should be string, got " https://qz.com/1002655/the-company-behind-wordpress-is-closing-its-gorgeous-san-francisco-office-because-its-employees-never-show-up/ 2. Zappos, who also allows work on remote - at least partially. As automation takes root, more and more functions can be performed outside office. The problem is the fossilized mentality of the management. Even in a more traditional industries some of the tasks can be done is a more creative and flexible arrangement. If anybody takes care to do internal organisational overhaul." |
"Jack ""The Mortgage Professor"" Guttentag provides a thorough analysis of a similar-sounding system: In addition, I had the feeling that customers of Mortgage Relief should have gotten a spreadsheet for their $45, and wondered why they hadn’t? So I set out to develop a spreadsheet of my own that could quantify the be... |
"This question is calling for a somewhat subjective answer. What I would recommend is liquidate now, since it is a stock fund and stocks have performed very well this year, no need to be greedy and hope that they do as well in 2014. Since it is not an enormous amount of money, put it in an interest yielding savings ac... |
So how often do investors really lose money? The short answer is, every day. Let's first examine your assumptions: If the price of the share gets lower, the investor can just wait until it gets higher. What are the chances that it won't forever, or for years? There are many stocks whose price goes down and then do... |
"See [bilaterals.org for lots more on this medicine issue](http://www.bilaterals.org/?+-medicines-+) around the world. They are clearly pushing the meme [""People shouldn't ever be put above unfettered profits""](http://content.healthaffairs.org/content/28/5/w957.full), Seriously. Did you know, these deals [are irre... |
i think emergency fund should be in a more liquid account (like regular saving or money market) so you can withdraw money any time, while your regular saving can be tied up in a long term CD, bond or an investment account. |
Could be risky, consider that some of their assets in Bolivia were nationalized. |
"Your son is in the right. But he broke the ""unwritten"" rules, which is why the car dealer is upset. Basically, cars are sold in the United States at a breakeven price. The car company makes ALL its money on the financing. If everyone bought ""all cash,"" the car companies would not be profitable. No one expected an... |
If your accounts have an overdraft facility, then every open account is classed as available credit which has a negative effect on your credit score. It's not normally a major concern but it is a factor. (nb. this definitely applies to the UK, maybe not where you are) |
"On the iOS Uber app right now, you can chose between ""Never"" and ""Always On"". Every time I use the Uber app I need to activate the option, then turn it off again after I'm done. It's quite annoying, considering most apps give you the ""When using app"" option instead of ""Always""." |
Right. Ultimately, this golden parachute is $200mil+ too large, but she was never likely to turn Yahoo around. She did not succeed in turning around a failing enterprise. Mistakes and mishaps in that scenario are always very glaring. So, while she didn't do a great job, I think the narrative of her being the downf... |
The bank doesn't want to loan you money to build a house on property you don't own. What happens if the owner gets mad at you and wants you to leave? What happens if the owner's will gives the land to somebody else? The bank would be taking a big risk. You need to buy the land before building the house. |
"If you really like problem solving, have you looked into consulting? Management consulting companies love hiring engineering/science/math majors because of the skill set. [If you are potentially interested in the more ""pure"" finance careers, i.e. banking/trading, the previous advice is sufficient]" |
I'm not saying that I have a problem with public transportation, I'm saying that it makes sense for the government to be investing in it. I'm saying that they should be putting more money into improving it. My whole point was that when there's a service that isn't necessarily profitable the government should be puttin... |
I think the definition of overcollateralization on investopedia will answer this question for you. Namely this part: For example, in the case of a mortgage backed security, the principal amount of an issue may be $100 million while the principal value of the mortgages underlying the issue may be equal to $120 million... |
This is all too typical of immature people. Any opinions not in alignment with their own are classified as 'stupid.' It takes time and experience to realize that other people usually have good reasons to think as they do, even when you just cannot fucking understand why. |
The existing account that her employer set up is probably not a Spousal RRSP, so for you to contribute your money to her RRSP you'd have to create a new account somewhere - could be with the same financial institution or somewhere else. But if you've got a joint bank account, the distinction between your money and her... |
"Ah, gotcha. That would be moving the country towards a more socialistic or communistic system where the government controls more of the means of production. I think there would be a problem. Successful companies need to be disruptive and the larger you are the harder it is to try a different approach. I think if th... |
A couple of points. |
Check out Khan Academy if you get a chance - they have a large suite of finance/capital market video clips that cover a lot of the basics of financial theory in short, manageable clips that might be suitable for someone in high school. |
"The article seems to focus more on individual external factors and seems to ignore social and cultural issues. Cultural behaviour at any age is almost all driven by peer groups and the messages and ideologies that peer groups share and believe. It appears that teens to early 20s these days are far more socially cons... |
"You are kind of thinking of this correctly, but you will and should pay for insurance at some point. What I mean by that is that, although the insurance company is making a profit, that removing the risk for certain incidents from your life, you are still receiving a lot of value. Things that inflict large losses ... |
"Do you know how it cost the USA to build the national highway system? Do you know what is ""investment""? Do you how much people pay (back) in taxes when they have a job and earn a salary (rather then get money from welfare)? Do you understand that in the Globalists world, the USA has to compete with salaries paid... |
I was a involved in this same scam from my Craigslist item. The buyer texted me & said his assistant put the wrong check in my envelope & please let him know when I got it,cash the cashiers check, keep my part for money of my item & send him back the difference. Well, the check came to me for $1,350.00 for a $100 ite... |
Start with the tax delta. For example, you'd hope to deposit at 25% bracket, but take withdrawals while at a marginal 15%. In this case, you're 10% to the good with the 401(k) and need to look at the fee eating away at this over time. Pay an extra 1%/yr and after 10 years, you're losing money. That's too simple, howev... |
Buy something from Nordstrom, then return it and ask for cash. They may ask for your ID. Nordstrom's return policies are very lax and they will almost always give cash when asked for, sometimes even if you don't have the receipt. |
"@MrChrister, Budgeting is really about planning your spending. Many programs and most advice will tell you that budgeting is tracking your expenses. That's only the first part. Track your expenses for about a month to figure out what you plan to spend in the future. Your budget is then just a list of things you're g... |
"Interactive Brokers offers global securities trading. Notice that the security types are: cash, stock (STK), futures (FUT), options (OPT), futures options (FOP), warrants (WAR), bonds, contracts for differences (CFD), or Dutch warrants (IOPT) There is a distinction between options (OPT), warrants (WAR), options o... |
> Is Intel (and Disney, etc) planning or already replacing American workers with H1B Visa foreigners? Yes or no? > Is Trump already started and planned to stop the H1B Visa program to Make America Great? Yes or no? > So who's the Nazi and/or/both enemy of the USA? Trump and me, or, Intel and you (defending ... |
Better off making sure what ever degree you pursue has real life applications commensurate with what ever income level you hope to achieve. Most of the tech giants got really lucky being young and innovative when tech really took off at the consumer level in the early 90's. That ship has sailed for most of the lucky... |
">How does ""doing business in"" something increase its value? By this logic, all businesses should be successful. When you work, you are creating value. Even if your business fails within the first year, there's still all the value you have created such as: hiring handypeople to fix up your businessplace, hiring ... |
"No, I understood your question perfectly. I'm just saying that sort of situation is generally rare. A quick Google search yields [this article] (http://www.investopedia.com/financial-edge/1112/small-business-financing-debt-or-equity.aspx) which responds to the question - Which funding method should I choose? with ... |
Some of the different types of workouts that are involved under the term cardio exercise general work out include riding a bicycle, jogging, diving, and by walking. Aerobic or CardioVascular general is the most essential type of work out when it comes to the ageing. There are many such workouts that an individual can ... |
"EBITDA is in my opinion not a useful measure for an investor looking to buy shares on the stock market. It is more useful for private businesses open to changing their structuring, or looking to sell significant parts of their business. One of the main benefits of reporting Earnings Before Interest, Taxes, Depreciati... |
"Apparently, only in America do people understand the difference between positive and negative rights. A negative right requires others to abstain from interfering with your actions. These are ""natural"" rights, such as freedom of speech, religion, freedom from unreasonable search and seizures, etc. The Constituti... |
Among the Blue Ridge Royalty neighborhood magazines, a nearby land claimed and worked organization gives the information of our clients and expert administration makes your land business effectively. Individuals are purchasing property for about three decades with our operators, we have listened, and at the best cost ... |
> Can you name a product that 100% of consumers are forced to buy? No, including education. I don't see how that matters. > Education is not a consumable good like any you are trying to compare it to Doesn't have to be consumable. How about a marketing consultant who claims his customer didn't actually want... |
I don't believe you would be able to with only Net Sales and COGS. Are you talking about trying to estimate them? Because then I could probably come up with an idea based on industry averages, etc. I think you would need to know the average days outstanding, inventory turnover and the terms they're getting from the... |
"Absolutely no conditions. The central bank just uses the money as if it were real money, which is technically becomes. They just simply buy financial products. It's as if I had a printing press in my basement. I would just print the cash, then walk into a store and buy some products. Anyone with half a brain can... |
According to the expert of Adbri Masonry, the replacement process is very easy and this makes this version so popular in the markets and upon getting dirty, cracked, chipped, stained, etc., you can use the simple process to remove the offending stone and replace it with a new one. |
The DOW is just an index, which is simply a group of stocks meeting the criteria for inclusion. In the case of the DOW, it's the 30 US stocks with the largest market capitalization, but other indices include many lesser stocks (such as the S&P500 or the Russell 2000). The fact that Holobeam is no longer a constituent ... |
Price hiking is more of an industry epidemic than something that can be attributed to one person. Not to defend it, but I feel like shkreli has been the scapegoat for big Pharma, everyone does it and they are happy he gets all the public heat. |
"IRA contributions are limited; you cannot ""dump the excess into a retirement account like an IRA"" if the excess is more than $5500. Furthermore, as @firefly points out, you need to have earned income (technical term is compensation and it includes self-employment income, not just wages) to contribute to an IRA, and... |
"An option is an instrument that gives you the ""right"" (but not the obligation) to do something (if you are long). An American option gives you more ""rights"" (to exercise on more days) than a European option. The more ""rights,"" the greater the (theoretical) value of the option, all other things being equal, of c... |
Don’t you hate this shit? Whenever there’s a business-related or pharmaceutical company article posted on reddit, I try not to read the comments. It’s too frustrating to read all of the comments like the one you responded to. People with no business education or general knowledge of natural economic laws just spewing ... |
"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-09-21/s-p-lowers-china-s-rating-to-a-from-aa-says-outlook-stable) reduced by 87%. (I'm a bot) ***** > S&P Global Ratings cut China's sovereign credit rating for the first time since 1999, citing the risks from... |
"> http://www.economist.com/node/654077 I appreciate the link but it doesn't support your position that rich descendants squander their fortunes. It repeats your ""shirtsleeve"" saying (evening admitting it is only a saying) and then talks about how it is easier for Americans to invest and preserve that wealth. ... |
"Had they made a billion dollars it still wouldn't be arbitrage. The definition of arbitrage is ""the simultaneous purchase and sale of similar commodities in different markets to take advantage of price discrepancy"". What they did was take advantage of a loophole where they took free money to buy more free money. I ... |
You say “there is no reason” as if the reasons they had for initially choosing uniform pricing and pay meant nothing. You sound just like those libertarians who want to get rid of all market regulations because free market is more competitive and healthier. You should NEVER ignore the initial reasons any law or deci... |
"Not sure what you mean by ""missing"". Credit card debt can be paid back in full when you get the bill, or you can ""take a loan"" and ""pay in installments"". If you do the latter, and pay back at least the minimum required amount on time, you are not ""missing"" your payment. Technically, you are taking a small, bu... |
The author is using the simple Dietz method, (alternatively the modified Dietz), with the assumption that the net cash-flow occurs halfway through the time period. Let's say the time period is one year for illustration, so the cash-flow would be at the end of the second quarter. The money-weighted method gives a more... |
"An index annuity is almost the same as Indexed Universal Life, except the equity-index annuity is an investment with a guaranteed minimum return, with sometimes a higher return that is a function of the gain in the stock market, but is not associated with a life insurance policy. After a time, you can convert the EI... |
Many people have suggested that the degree's emphasis on financial analysis (1) downplays the management of creative work such as product design, and (2) ignores long-term costs that don't appear on the balance sheet, such as environmental destruction or loss of customer respect. |
Sheegan has a great explanation of how the TBA market contributes to mortgage rates. The 30 Year Mortgage rates are closely tied to the 10-Year Treasury. One can track this rate at many stock quoting sites using symbol TNX. |
Funny, I can't get them to leave me the f--- alone in Electronics... there're always a half dozen guards ready to harass me if I so much as step foot in their area, and they're usually smack between me and what I'm after. |
She needs to get a bank account at literally any other bank or credit union. I have not paid for a checking account ever, any bank that tries to is ripping you off. Personally I've used ING Direct/Capital One 360 for years without any problems. |
"Time Value of Money - The simple calculation for this is FV = PV * (1+r)^N which reads The Future Value is equal to the Present Value times 1 plus the interest rate multiplied by itself by the number of periods that will pass. A simple way to look at this is that if interest rates were 5%/yr a dollar would be worth (... |
Assuming here that you're talking about deducting your tuition as a below the line deduction as a business expense or similar, then it depends. Per 1.162-5, if the education: Then it qualifies as a legitimate business expense and is deductible. If not - if you're going to school for a different career, such as someon... |
Paying extra principal is not a complicated decision. You have a rate, say 5%. And you have an after tax rate, say, 3.75% (if you are in the 25% bracket and it's all deductible) Are you happy to get a 3.75% after tax return? If you have a retirement plan, and are not getting the full company match, that would be the... |
The basic problem here is that you need to have money to invest before you can make a profit from it. Now if you have say $500K or more, you can put that in mutual funds and live modestly off the profits. If you don't have that $500K to start out with, you're either looking at a long time frame to accumulate it - sa... |
"For the most part, saving money usually depends upon having a budget and being able to stick to it. The toughest part of budgeting is usually setting it up (how much do I need for X) and sticking to it each month. In regards to sticking to it, there is software that you can use that helps figure out how much you are ... |
I think that is the wrong approach. You certainly need to teach the value of work, but you cannot tie it to income levels as a hard and fast rule. If you do, how do you then explain athletes making millions per year and only 'working' half a year, at most. And, then comparing that person to a person working hard in a ... |
Нашата компания има добра репутация на пазара. Когато става дума за физическо създаване на външна светкавица, най-много идват с въртящи се и създаване на 3D Power Bank, За да позволи по-реалистични и по-меки светлинни ефекти чрез подскачане на светлина от бяла 3D флашка или рефлектор над или отстрани на обекта. Уеб р... |
>You seem to want our government to fail as well. No, I want people to recognize that the *concept of government* is a failure that simply gives a lovely cover-story to oppression and mass-murder. I want us to *intentionally dismantle* our government so that we can implement *a better system* that isn't designed t... |
Started making $140K out of undergrad, Investment Banking. Pre-tax, of course. Would probably be similar to $80K in a smaller market. If your total comp includes an end-of-year bonus, you should follow this rule: Spend salary, bank bonus. |
The initial position is worth 40000. You post 50% margin, so you deposited 20000 and borrowed 20000. 6% of 20000 is 1200. |
"I apologize for not investigating the skeezy world of finance more than I have to, but the major banks invented derivatives that allow them to essentially make a ""bet"" on whether a company will perform well or poorly. This then allows them to make a shitload of cash by manipulating the market in their favor unfair... |
This could help the firm find the perfect match for you in their own bucket list. Listing down everything clearly would make a good impression and you might get a chance to take advantage of the vast network the executive search firms have. A recruiter could easily refer you to some other executive where you could be ... |
No, and that's my point. In the absence of totally cost-ineffective daily urine testing, it's not readily evident whether someone coming into work is high via marijuana, so they could operate machinery while impaired. On the other hand, being drunk has much more consistent physical symptoms and can be discovered befor... |
The simple answer is technically bonds don't have earnings, hence no P/E. What I think the OP is really asking how do I compare stock and bond ETFs. Some mature stocks exhibit very similar characteristics to bonds, so at the margin if you are considering investing between 2 such investments that provide stable income ... |
Why not just leave it as is and register as foreign entity in New Mexico? You won't avoid the gross receipts tax, but other than that - everything stays as is. Unless Illinois has some taxes that you would otherwise not pay - just leave it there. |
Would you like to make an impact on others in the community and get paid for doing it? Well, one of the best ways of doing so is by starting a group home for foster children. Maybe you want to target foster children that have been removed from their homes and are between the ages of 5 and 10 years old. You may think t... |
Does your employer offer direct deposit? Can you deposit to more than one account? Personally, I have my pay split up like this via direct deposit: From an early age I found that separating my expenses from my spending money kept me inside my spending limits and kept my savings on track. In fact, checking account 1 ... |
Ok the black suit being for funerals and weddings only thing freaks me out because I've worn black suits to two interviews already. I'm gonna check out suit supply, there's a location nearby. What exactly is dark navy and medium gray (as opposed to what, light navy and dark gray?) What about those suits that are ve... |
"You're right to question that. I would not respect him as much if he didn't have all that money. Business is a game and money is how we keep score. Without the money, he wouldn't be famous enough for me to hear his words. While success can come from an inherited name, luck, or dishonesty, his came from plans and exec... |
Don't confuse fiscal conservatism with social conservatism. I like conservative monetary and business policy, but fully support letting individuals decide whether they want to get high, have a gay marriage, etc. Now that I type this out, I guess I fit more into the libertarian category. |
If the Euro went bust then it would be the 12th government currency to go belly up in Europe (according to this website). Europe holds the record for most failed currencies. It also holds the record for the worst hyperinflation in history - Yugoslavia 1993. I'm not sure what would happen if the Euro failed. It dep... |
If the building has no income, it also probably has minimal expenses. The heat, water and electricity costs are nearly zero. They are letting the value depreciate, and taking it off the taxes. I also suspect the condition of the building is poor, so any effort to make the building productive would be very costly. Many... |
a) Talk to the financial aid counselors at your school. There's a very good chance they have at least a partial solution for you. Let them know your dependency status has changed (if it has). I declared myself to be financially independent from my parents (I really was) and qualified for more aide. b) How much austeri... |
"You really don't get the point? You see no issues here? So let me tell you that I am an IT executive with a bachelor and master's in computer science. Many people work for me. **If was hired by the NY Philharmonic Orchestra to be their Chief Music Composer, there's no way in the world that I could do any beneficial... |
The tax consequence is that if you wait until January of 2011 to invest, you won't have the option to sell as a long-term capital gain in 2011. However, this is not a huge point in practice: If your income this year was very low, but will go up in 2011, you might want to convert some or all of it into a roth ira this... |
I'm new to investing but let me present you with my logic. Let me first say I bought at 38.01, and while I don't regret buying in, I suppose i DO regret buying in at 38.01 when I could have gotten in when it was in the 20's. There is sort of a counter-hype lured me in. With so many establishments saying facebook was... |
>so I am unsure of whether or not re-selling other supplier’s inventory without their consent is legal You shouldn't wait to find out after you start making sales. >Is using generic names for sale a workaround for selling inventory without their consent? That sounds like an issue concerning skirting around un... |
Can't I achieve the exact same effect and outcome by exchanging currency now and put that amount of USD in a bank account to gain some interest, then make the payment from one year from now? Sure, assuming that the company has the money now. More commonly they don't have that cash now, but will earn it over the time ... |
"Some 401k plans allow you to make ""supplemental post-tax contributions"". basically, once you hit the pre-tax contribution limit (17.5k$ in 2014), you are then allowed to contribute funds on a post-tax basis. Because of this timing, they are sometimes called ""spillover"" contributions. Usually, this option is adver... |
"The €100'000 limit is per bank, where ""bank"" is defined as a financial institution with a banking license from one of the ECB members. ""WeltSparen"", is operated by the MHB-Bank which is a German bank, recognized by the Bundesbank. That means your money is initially guaranteed by the Bundesbank. When it's moved t... |
There are several cost of the Military Homes, so you can choose according to your desired location and your preferred weather. This area is also more humid. So if you can’t tolerate heavy rains or humidity, then avoid this part of the country. But if you enjoy the rain, by all means choose this portion of Military Hom... |
While littleadv's answer is true for many exchanges (in particular the stock market, it's called FIFO matching) you should also know that some markets trade pro rata. That is, for a match at some price level everyone at that level gets a chunk of the deal proportional to their input (i.e. order size). E.g. match for ... |
I'm assuming that you don't have any technical background to assess the validity of the story. I can tell you that the wells that are in question are an entirely different animal than deep gas bearing shales. Those wells were less than 3,000' deep and wells are no longer fracced using the chemicals found. |
This is the first I've heard about manufacturing downturn. The article shows wages up in other sectors and the BSE is stronger than ever. Recent changes (currency + GST) are painful, but they seem necessary and beneficial in the long run. I'm still long. Edit: GDP is down to 5.7% from 7.9% for the same quarter last y... |
Options, both puts and calls, are typically written/sold at different strike prices. For example, even though the stock of XYZ is currently trading at $12.50, there could be put options for prices ranging from $0.50 to $30.00, just as an example. There are several factors that go into determining the strike prices at ... |
"If it were me, I would convert it to cash and keep it in a liquid account. The assumption that silver will increase in value is misguided. From 1985 to 2002, it was flat. It's gone up and been far more volatile since then, and there has been significant declines which could eat at the stability of an emergency fund. ... |
Hi guys, could I get advice on possibly entering finance myself? I have a BSE in computer engineering, and a Ph.D. in nanoscience and microsystems, and I do computational aeroscience and biology now. Needless to say, I'm an applied physics and computer nerd. I love currency and commodities trading and instruments, tho... |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.