Question: How do I apply for a mortgage after a cash closing on a property?

Is she correct in that you generally can't even apply until the cash   transaction is complete? Probably. How can you commit to mortgage something you do not own? Makes sense for them to wait not even until the transaction is complete - but until the transaction is recorded. Is 45 days reasonable to complete the financing? Yes.

The US will be a third world country, full of uneducated, climate change denying, racist, debtors; who still think coal is a viable resource. Just watch as China slowly shifts its trade from heading over the pacific, to heading west towards places like India and Russia. As the US under the Trump administration is refusing to move forward in transitioning into clean and renewable energy sources, we are leaving the window open for china to become the dominant world power.

>One effect of this system is job lock. People become dependent on their employment for their health insurance, and they are loath to leave their jobs, even when doing so might make their lives better.  Try telling any of this to progressives and they'll be ready to Tar and feather you... This is one of the reasons that I am hesitant to support unions...

">I am not forgetting anything. You don't seem to get a broadcasting is media and part of media. Like I said they are a media company. No different from saying Time Warner is a media company or Disney.   It's dishonest to equate a purely digital media entity to a broadcaster. Completely different tier—just not favorable to your argument.  >Have you actually visited their website? It has such stories such as ""Turns Out It's Totally Cool to Have a 20-Pound Lobster in Your Suitcase"" and ""The Mothers Haunted by Their Sons' Unsolved Murders"" as well as ""D.R.A.M. Opens Up About Being a 'Big Baby' on 'THE THERAPIST'"" and ""New Yorkers Love Pride, Hate Trump"". Really no different from Buzzfeed except Vice doesn't do the whole list thing.   So, history time: Vice Magazine established a channel called Viceland.com, and later it established other channels on VBS.tv. Eventually, they combined into a combined channel called vice.com, including the following sub-channels:  * Vice  * Broadly.  * Creators  * i-D  * Amuse  * Motherboard  * Munchies  * Noisey  * Tonic  * Thump  * Vice Impact  * Vice Sports  * Waypoint  * Viceland  * Vice News  So, you are viewing content from all those channels combined together, mistaking it for all Vice News content. BTW, the best Vice News content gets put into their HBO programs. Vice the series is phenomenal!   >Nope, as it is not faulty. You can claim it is all you want, but until you prove its faulty its not. And you yet to prove its actually faulty.   It's a sweeping generalization. The argument does not stand up to scrutiny, and that is proof it is faulty. Look up what a sweeping generalization is.  >One I told you I read the article and it was crap, you even agreed with me it was crap. Two media companies do screen what content is on their platform. Meaning if they are smart they check for the quality of content as well. Thirdly didn't I tell you like 3 times now to stop making leaping assumptions and bullshit claims? Yet you continue to do so. And for someone claiming to have good analytic skills you certainly fall short in them.  Yeah, okay, I think this is the point that I refrain from rubbing your nose in not just your logical mistake, again, but also your mistake about the type of stories on Vice News. Also, for tech news, I will give Motherboard a nod as well. There's also some pretty good content from Viceland (Specifically, I enjoy Hamilton's Pharmacopeia)."

"diamonds are intrinsically worthless this is simply wrong. (1) Diamonds that are sold for anything less than, oh, let's say $5000 at original retail - are indeed utterly, totally, completely worthless. It is simply ""one of the great scams"". Their real ""price"" is maybe ""five bucks"". End of story. There is no secondary market.  Literally - ""end of story"". If you buy a ""diamond"" lol for ""$2000"" to impress your loved one, you can not then ""sell it"" for any amount of money.  It is: worthless. Once again: simple, undeniable fact. the diamond you bought for 2 grand cannot be resold. Ir's worthless. (OK, maybe you can get 100 bucks for it, something like that. Or, you can scam someone clueless, and get 200 bucks.) (2) However actual ""investment"" stones do in fact have a value - if somewhat fragile. Example, a few years ago I sold a stone for 30 thousand. That was a ""real"" price and it was quite liquid - I was within days able to find a buyer. (A dealer - he would have then sold it on for 35 or whatever.) I have never dealt in stones over six figures, but I'm fairly certain those are ""real"" valuable objects: just like paintings by name artists. (However: yes, the line between ""laughable diamonds"" and actual investment stones, is indeed moving ever upwards.) (Note - the ""elephant in the room"" with diamonds is that GE's industrial process for simply making utterly flawless diamonds, starting with carbon, is getting better every decade.) (A second overwheleming point that nobody has mentioned: diamonds get beat-up.  Regarding ""engagement ring diamonds"", a used one is exactly as useless as a used car.  It's crap.  Just as with $200,000 picassos, this concept does not apply to ""actual investment stones"".) Note that many of the comments/arguments on this page are very confused because: people are not distinguishing between the (ROFL) ""engagement ring scam market"" and the rarefied ""investment gem market"". The two things are utterly different. Yes, ""engagement ring diamonds"" are an utter scam, and are simply: ""worthless"".  The fundamental, basic, overwhelming scam in today's business/social universe is: ""engagement diamonds"". Yes, the price is only due to marketing/monopolies etc. Elephant in the room A: GE's technology can - end of story - manufacture diamonds.  (Starting with ""pencil leads"".)  End of story.  It's all over. Elephant in the room B: folks forget that diamonds get beat-up, they are just like used cars. Regarding ""engagement-ring diamonds"", nobody has ever, or will ever, bought a used one. Simple, utterly undeniable fact: regarding ""engagement ring diamonds"". they have: zero value.  You cannot resell them. End of story. If you buy a house, you can resell it. If you buy a car, you can resell it (at a spectacular loss). If you buy a picasso, you can resell it (almost always making a huge profit). If you buy an ""engagement ring diamond"", it is worth: nothing. Zero. Nada. strictly regarding investment stones, which is a distinctly utterly different market.  This market has no connection, in any way, at all, even vaguely, it is utterly unrelated, to ""engagement ring diamonds"".  You can in fact buy and sell these items - very much like say ""art"" or ""mid century antiques"", and make money. This market just has utterly no connection to the whole ""engagement ring diamonds"" scam system. Say you buy wine at the supermarket, for 5 to 100 bucks a bottle. If you think that the ""wine"" thus bought, has a secondary market, or you can invest in it or something: you have lost your mind. In total contrast: Yes, although totally flakey, there is indeed an ""investment wine market"" which is real and reasonable. I for example have made some money in that. (I have a great anecdote even - I had one cellar of wine in burgundy, which could have been sold for, say, 30 grand - but we drank it  :)  ) Again, the (somewhat bizarre) actual market in investment wine, just has to ""buying wine in the supermarket"".  To further the analogy: wine prices in the supermarket / your (ROFL) wine dealer, from 5 to 100 bucks, are just: utterly laughable. Utterly. Laughable. Much as folks sit around, and decide on ""label designs"", they sit around, and decide on ""price points"". There is, utterly, no difference between $5 and $100 grape juice rofl ""wine"". The price difference is simply a marketing decision: at best, you can think of it as a Velbin good. ... exactly the same applies to ""engagement ring diamonds""."

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They still got away with pocketing the cash and I got uhh DSL (shitty limited range technology) and other crummy something or other long distance options!  Fuck MA BELL. Name any phone company, it's still MA BELL. Smaller competitive with someone else company my ass. They're letting it merge back together too.  I still love the day our towns Main Street was being torn up to be repaved. During this little adventure they severed some fiber optic cables. It took out the cell phone network (and ONLY that network). I'll leave that there for someone to attempt to figure out.

One of the biggest laws in economics is that if an opportunity is very profitable and is very easily exploitable even by complete beginners, then it will very soon stop being profitable. That's how the market works. If you buy stock when it is at the lowest, then you are making money, but most of the time someone else is losing money. And if there was a magic hour of the day when buying would be the most profitable, then soon everybody would want to buy at that time and no one would want to sell anything, so the scheme would collapse.


Question: How to manage 20 residential apartments

If he can't manage, best is he sells it off. Its easier to manage cash. Not sure what tax you are talking about. He should have already paid tax on fair market value of the 20 flats. If the intention of Mr X is to gift to son by way of death, then yes the tax will be less. Else whenever Mr X sells there will be tax.  how to manage these 20 apartments? Hire a broker. He may front run quite a few things like showing the place etc. There is a risk if he is given a free hand, he may not get good quality tenant. There are quite a few shark brokers [its unregulated] who may arm twist seeing the opportunity of an old man with 20 flats. See if you can do long term lease with companies looking for guest house etc, or certain companies who run guest house. They would like the scale, generally 3-5 years contracts are done. The rent is good and overall less hassle. The risk is most would ask to invest more in furnishing and contracts can be terminated in months notice. If the property is in large metro [Delhi/Bangalore/Chennai/etc] These places have good property management companies. Ensure that you have independent lawyer; there are certain aspects of law that may need to be studied.

What can you give them as security?  1. A fixed/floating charge over assets 2. Negative covenants/Non-subordination agreements 3. Real Mortgage 4. Chattel Mortgage 5. Personal or inter-business Guarantees  Essentially a bond is just a debt agreement, it is when you sell standardised bonds over a market that regulation comes into it.  Now I am from Australia, so I can't comment on US policies etc...

He would spend it into the economy that is accepting his dollars. As an example, the apple maker might borrow $100 with $10 interest for the deer shank, then later on get the $100 back from the deer hunter in trade for 150 apples, and then pay this $100 to the banker. Now the apple maker still needs $10 to pay off his loan. The banker says he'll trade his $10 in interest profit for 15 apples, now the apple maker can resolve his debt without further borrowing.  The difference between spending interest earnings and issuing a loan is that when the banker is spending, they are getting something for their own use, when they are issuing the loan, they aren't getting anything but the promise to repay that loan.

This is how all corporations shift taxes to low income tax . Most large companies are actually hundreds of companies, with individual companies in each country they do business in. They use this type of transfer payment so most of the profits end up in countries with low income taxes. That is why you might as well lower the corporate rate.  It will help employment, and end this kind of useless profit shifting. It's a world wide economy, and companies do what they need to do to keep taxes low no matter what.

I suggest opening a Credit Card that doesn't charge Foreign currency conversion fees. Here is the list of cards without such a fee, Bankrate's Foreign transaction fee credit card chart

1.) The majority of credit and loans do not go to publicly traded companies.   2.) Companies can and do trade commodities with paper.   3.) Can't keep up with all the crazy you are spouting.   Smart people lose their shirt in commodities all the time, it's not a fun place to play. If you really believe the majority of publicly traded companies are going to lose their value, then invest in them when they do. Money always has to go somewhere. Insurance, pensions, governments, businesses, don't like to just have cash sit there because nothing happens (you can point to Apple, etc but they're making acquisitions) anyways, they need to buy and sell and will always have to do it.   My last piece of advice, look up the Hunt brothers.

CS grad here currently getting my MBA. seriously don't do CS unless you love, and I mean LOVE programming. I did it and realized junior year that I hated it and was miserable. I stayed another year and got a minor in business which landed me a job in consulting. CS is hard man. Really, really hard and you get total shit interaction with people. If you have other questions I'd love to answer. On mobile now so I can't go into super detail.

"Okay, I'm going to give you my opinion based on experience; not any technical understanding. The options - by themselves - are pretty meaningless in terms of determining their value. The business plan going forward, their growth expectations, the additional options to be authorized, the additional preferred stock offers they anticipate, even current estimated value of the company are some of the pieces of data you will be needing. I also want to say something cynical, like ""to hell with the stock options give me cold hard"" but that's just me. (My experience two-times so far has shown stock options to be worth very very little.)"


Question: Strategy to minimize taxes due to unpaid wages?

"Can I write off the $56,000 based on demand letters? Or do I need to   finish suing him to write-off the loss? No and no. You didn't pay taxes on the money (since you didn't file tax returns...), so what are you writing off? If you didn't get the income - you didn't get the income. Nothing to write off. Individuals in the US are usually cash-based, so you don't write off income ""accrued but never received"" since you don't pay taxes on accrued income, only income you've actually received. Should I file the 2012 taxes now? Or wait until the lawsuit finishes? You should have filed by April 2013, more than a year ago. You might have asked for an extension till October 2013, more than half a year ago. Now - you're very very late, and should file your tax return ASAP. If you have some tax due - you're going to get hit with high penalties for underpaying and late filing. If the lawsuit finishes in 2014, does it apply to the 2012 taxes? Probably not, but talk to your lawyer. In any case - it is irrelevant to the question whether to file the tax return or not. If because of the lawsuit results something changes - you file an amended return."

Are you sure you're not just looking at prices that are adjusted for the split, e.g. Yahoo? For example, Gilead Sciences (GILD) split a few months ago, but if you look at a price chart, there isn't an interruption even though the split is clearly marked. (Look in the past six months; it split in January). However, you could also simply be watching companies that happen to not split, for a variety of reasons. This isn't a criticism, but rather just a consequence of whatever stocks you happen to be watching.  However, a quick search for information on stock splits yields a few articles (mainly from the Motley Fool) that argue that fewer companies are performing stock splits in recent years; the articles mainly talk about tech companies, and they make the argument that even though the shares in Google and Apple have a high stock price: Google and Apple aren't all that expensive by traditional valuation   metrics. Google trades at just 15 times next year's projected   profitability. Apple fetches a mere 13 times fiscal 2012's bottom-line estimates. These articles are a bit dated in terms of the stock prices, but the rationale is probably still good. Similar logic could apply for other companies; for example, since May 2009, Panera's stock price has climbed by almost a factor of 4 without splitting. The articles also make the point that stock splits were traditionally seen as bullish signs because: Companies splitting to bring their share prices back down to more   accessible levels were optimistic in building those sand castles back   up. One could make a fair argument that the overall economic climate isn't as bullish as it used to be, although I would only be convinced that this was affecting stock splits if data could be gathered and tested. A stock split can also raise the price of a stock because if small investors feel the stock is suddenly more accessible to them, they purchase more of it and might therefore drive up the price. (See the Investopedia article on stock splits for more information). Companies might not see the necessity in doing this because their stock price isn't high enough to warrant a split or because the price isn't high enough to outprice smaller investors.  One interesting point to make, however, is that even though stock splits can drive small investors to buy more of the stock, this isn't always a gain for the company because professional investors (firms, institutions, etc.) have a tendency to sell after a split. The paper is a bit old, but it's still a very neat read. It's possible that more and more companies no longer see any advantage to splitting because it might not affect their stock price in the long run, and arguably could even hurt it. Considering that large/professional investors likely hold a higher percentage of a company's shares than smaller investors, if a stock split triggers a wave of selling by the former, the increasing propensity to buy of the latter may not be enough to offset the decline in price.  Note: My answer only refers to standard stock splits; the reasons above may not apply to a decrease in the number of reverse stock splits (which may not be a phenomenon; I don't know).

I don't see a way that this would make matters worse than just giving them the credit card info... Except that it would make abusing the card easier at some other site (or the bank) if they have a similar (unreasonably weak) security-by-photo test. Still, I'd strongly recommend you use a separate card for this so you can cancel it without disrupting your other credit card uses.  (Actually I'd strongly recommend not doing business with folks who have already demonstrated questionable ethics, but you seem to have made that decision.)

I'm going to guess that now you're going to explain how you shouldn't add up these percentages. That is most certainly wrong. The reason is that countries aren't going to agree on an order in which to tax a company. It wouldn't go like: well UK taxes first then Germany will tax whatever is left in net profits. Why the hell would Germany agree to that? They would each want their percentage of the *untaxed* pie.

"You're just outright wrong.    I'm sure if you post an ask reddit asking about people who smoke and what they do for a living you will be outright amazed at the cross section you find.  I make 6 figures, work my but off, and run a consulting business on the side and I'm a regular smoker.    I have co-workers who are regular smokers who also make 6 figures, in fact of the people I work with that smoke, the lowest paid makes somewhere in the 70k range.    Now, that anecdotal evidence is not super compelling as there are confounding factors.  But it's far more compelling than ""This is how it is because this is how I feel it is"", which seems to be the gist of your responses."

"This is not a mistake. This is done for ""Out of Network"" providers, and mainly when the patient is an Anthem member, be it Blue Shield or Blue Cross. Even though an ""Assignment of Benefits"" is completed by the patient, and all fields on the claim from (CMS1500 or UB04) are completed assigning the benefits to the provider, Anthem has placed in their policy that the Assignment of Benefits the patient signs is null and void.  No other carrier that I have come across conducts business in this manner. Is it smart? Absolutely not! They have now consumed their member's time in trying to figure out which provider the check is actually for, the member now is responsible for forwarding the payment, or the patient spends the check thinking Anthem made a mistake on their monthly premium at some point (odds are slim) and is now in debt thousands of dollars because they don't check with Anthem.  It creates a huge mess for providers, not only have we chased Anthem for payment, but now we have to chase the patient and 50% of the time, never see the payment in our office. It creates more phone calls to Anthem, but what do they care, they are paying pennies on the dollar for their representatives in the Philippines to read from a script.  Anthem is the second largest insurance carrier in the US. Their profit was over 800 million dollars within 3 months. The way they see it, we issued payment, so stop calling us. It's amazing how they can accept a CMS1500, but not follow the guidelines associated with it.  Your best bet, and what we suggest to patients, either deposit the check and write your a personal check or endorse and forward. I personally would deposit the check and write a personal check for tracking purposes; however, keep in mind that in the future, you may depend on your bank statements for proof of income (e.g. Social Security) and imagine the work having to explain, and prove, a $20,000 deposit and withdraw within the same month."

Do we have a list of all of their predictions? Because 1. I predicted the last crash, whoop di doo 2. By default, on a planet of 7.3 billion, there will always be SOMEONE who predicts something right.  I've been reading about 'the person that nailed the last one predicting collapse tomorrow' since sometime in 2011...all those fuckers were wrong.

I have one additional recommendation: if the dealer continues to press the issue, tell them that they need to drop it, or you will write a Yelp review in excruciating detail about the entire experience. Used car dealers are very aware of their Yelp presence and don't like to see recent, negative reviews because it can cost them a lot of new business. (I'm assuming this is a used car. If it's a new car, you could go over their heads and bring up the problem with the manufacturer. Dealers hate it when you go directly to the manufacturer with a dealer complaint.)


Question: What are online payment options with no chargeback protection?

Generally there's no ultimate protection against charge backs. Some methods are easier to charge back and some harder, and there's always the resort of going to courts. The hardest to contest is, of course, a cash payment or wire transfer. You need to remember that imposing unnecessary/unreasonable difficulties on your customers will drive business away. I can buy diamonds in the nearest mall with my credit card - why would I buy from you if you want cash, BTC, or any other shady way to pay? I'm pretty sure that whatever that is you're selling, anyone can buy elsewhere as well.

"The other answer has mentioned ""factual resident"", and you have raised the existence of a U.S./Canada tax treaty in your comment, and provided a link to a page about determining residency. I'd like to highlight part of the first link: You are a factual resident of Canada for tax purposes if you keep   significant residential ties in Canada while living or travelling   outside the country. The term factual resident means that, although you left Canada, you   are still considered to be a resident of Canada for income tax   purposes. Notes If you have established ties in a country that Canada has a tax treaty   with and you are considered to be a resident of that country, but you   are otherwise a factual resident of Canada, meaning you maintain   significant residential ties with Canada, you may be considered a   deemed non-resident of Canada for tax purposes. [...] I'll emphasize that ""considered to be a resident of Canada for income tax purposes"" means you do need to file Canadian income tax returns. The Notes section does indicate the potential treaty exemption that you mentioned, but it is only a potential exemption. Note the emphasis (theirs, not mine) on the word ""may"" in the last paragraph above. Please don't assume ""may"" is necessarily favorable with respect to your situation. The other side of the ""may"" coin is ""may not"". The Determining your residency status page you mentioned in your comment says this: If you want the Canada Revenue Agency's opinion on your residency   status, complete either Form NR74, Determination of Residency Status   (Entering Canada) or Form NR73, Determination of Residency Status   (Leaving Canada), whichever applies, and send it to the International   and Ottawa Tax Services Office. To get the most accurate opinion,   provide as many details as possible on your form. So, given your ties to Canada, I would suggest that until and unless you have obtained an opinion from the Canada Revenue Agency on your tax status, you would be making a potentially unsafe assumption if you yourself elect not to file your Canadian income tax returns based on your own determination. You could end up liable for penalties and interest if you don't file while you are outside of Canada. Tax residency in Canada is not a simple topic. For instances, let's have a look at S5-F1-C1, Determining an Individual’s Residence Status. It's a long page, but here's one interesting piece:  1.44 The Courts have stated that holders of a United States Permanent Residence Card (otherwise referred to as a Green Card) are   considered to be resident in the United States for purposes of   paragraph 1 of the Residence article of the Canada-U.S. Tax   Convention. For further information, see the Federal Court of Appeal's   comments in Allchin v R, 2004 FCA 206, 2004 DTC 6468.   [...] ... whereas you are in the U.S. on a TN visa, intended to be temporary. So you wouldn't be exempt just on the basis of your visa and the existence of the treaty. The CRA would look at other circumstances. Consider the ""Centre of vital interests test"": Centre of vital interests test [...] “If the individual has a permanent home in both Contracting States, it   is necessary to look at the facts in order to ascertain with which of   the two States his personal and economic relations are closer. Thus,   regard will be had to his family and social relations, his   occupations, his political, cultural or other activities, his place of   business, the place from which he administers his property, etc. The   circumstances must be examined as a whole, but it is nevertheless   obvious that considerations based on the personal acts of the   individual must receive special attention. If a person who has a home   in one State sets up a second in the other State while retaining the   first, the fact that he retains the first in the environment where he   has always lived, where he has worked, and where he has his family and   possessions, can, together with other elements, go to demonstrate that   he has retained his centre of vital interests in the first State.” [emphasis on last sentence is mine] Anyway, I'm acquainted with somebody who left Canada for a few years to work abroad. They assumed that living in the other country for that length of time (>2 years) meant they were non-resident here and so did not have to file. Unfortunately, upon returning to Canada, the CRA deemed them to have been resident all that time based on significant ties maintained, and they subsequently owed many thousands of dollars in back taxes, penalties, and interest. If it were me in a similar situation, I would err on the side of caution and continue to file Canadian income taxes until I got a determination I could count on from the people that make the rules."

"Gifts given and received between business partners or employers/employees are treated as income, if they are beyond minimal value. If your boss gives you a gift, s/he should include it as part of your taxable wages for payroll purposes - which means that some of your wages should be withheld to cover income, social security, and Medicare taxes on it. At the end of the year, the value of the gift should be included in Box 1 (wages) of your form W-2. Assuming that's the case, you don't need to do anything special. A 1099-MISC would not be appropriate because you are an employee of your boss - so the two of you need to address the full panoply of employment taxes, not just income tax, which would be the result if the payment were reported on 1099-MISC. If the employer wants to cover the cost to you of the taxes on the gift, they'll need to ""gross up"" your pay to cover it. Let's say your employer gives you a gift worth $100, and you're in a 25% tax bracket. Your employer has to give you $125 so that you end up with a gain of $100. But the extra $25 is taxable, too, so your employer will need to add on an extra $6.25 to cover the 25% tax on the $25. But, wait, now we've gotta pay 25% tax on the $6.25, so they add an extra $1.56 to cover that tax. And now they've gotta pay an extra $.39 . . .  The formula to calculate the gross-up amount is: where [TAX RATE] is the tax rate expressed as a percentage. So, to get the grossed-up amount for a $100 gift in a 25% bracket, we'd calculate 1/(1-.25), or 1/.75, or 1.333, multiply that by the target gift amount of $100, and end up with $133.33.  The equation is a little uglier if you have to pay state income taxes that are deductible on the federal return but it's a similar principle.  The entire $133.33 would then be reported as income, but the net effect on the employee is that they're $100 richer after taxes. The ""gross-up"" idea can be quite complicated if you dig into the details - there are some circumstances where an additional few dollars of income can have an unexpected impact on a tax return, in a fashion not obvious from looking at the tax table.  If the employer doesn't include the gift in Box 1 on the W-2 but you want to pay taxes on it anyway, include the amount in Line 7 on the 1040 as if it had been on a W-2, and fill out form 8919 to calculate the FICA taxes that should have been withheld."

"(Since you used the dollar sign without any qualification, I assume you're in the United States and talking about US dollars.) You have a few options here. I won't make a specific recommendation, but will present some options and hopefully useful information. Here's the short story: To buy individual stocks, you need to go through a broker. These brokers charge a fee for every transaction, usually in the neighborhood of $7. Since you probably won't want to just buy and hold a single stock for 15 years, the fees are probably unreasonable for you. If you want the educational experience of picking stocks and managing a portfolio, I suggest not using real money. Most mutual funds have minimum investments on the order of a few thousand dollars. If you shop around, there are mutual funds that may work for you. In general, look for a fund that: An example of a fund that meets these requirements is SWPPX from Charles Schwabb, which tracks the S&P 500. Buy the product directly from the mutual fund company: if you go through a broker or financial manager they'll try to rip you off. The main advantage of such a mutual fund is that it will probably make your daughter significantly more money over the next 15 years than the safer options. The tradeoff is that you have to be prepared to accept the volatility of the stock market and the possibility that your daughter might lose money. Your daughter can buy savings bonds through the US Treasury's TreasuryDirect website. There are two relevant varieties: You and your daughter seem to be the intended customers of these products: they are available in low denominations and they guarantee a rate for up to 30 years. The Series I bonds are the only product I know of that's guaranteed to keep pace with inflation until redeemed at an unknown time many years in the future. It is probably not a big concern for your daughter in these amounts, but the interest on these bonds is exempt from state taxes in all cases, and is exempt from Federal taxes if you use them for education expenses. The main weakness of these bonds is probably that they're too safe. You can get better returns by taking some risk, and some risk is probably acceptable in your situation. Savings accounts, including so-called ""money market accounts"" from banks are a possibility. They are very convenient, but you might have to shop around for one that: I don't have any particular insight into whether these are likely to outperform or be outperformed by treasury bonds. Remember, however, that the interest rates are not guaranteed over the long run, and that money lost to inflation is significant over 15 years. Certificates of deposit are what a bank wants you to do in your situation: you hand your money to the bank, and they guarantee a rate for some number of months or years. You pay a penalty if you want the money sooner. The longest terms I've typically seen are 5 years, but there may be longer terms available if you shop around. You can probably get better rates on CDs than you can through a savings account. The rates are not guaranteed in the long run, since the terms won't last 15 years and you'll have to get new CDs as your old ones mature. Again, I don't have any particular insight on whether these are likely to keep up with inflation or how performance will compare to treasury bonds. Watch out for the same things that affect savings accounts, in particular fees and reduced rates for balances of your size."

"> but the buying power of that money can be significantly reduced to the point where it's fundamentally useless, i.e. inter-war Germany and many countries in South and Central America.  That's true, but *how* does that come about? The effect on buying power stems from the level of spending in the present period. Too little leaves you anywhere from outright deflation and contraction to weaker growth falling short of capacity. Too much reaches capacity and keeps spending, bidding up prices and driving down purchasing power.  It has nothing to do with debt:GDP or interest payments.  > Germany managed to skate by by creating a new Deutschmark in a confidence trick, and it worked because Germany is a solid, iron clad manufacturing powerhouse of a lot of stuff.   There are two important differences between inter-war Germany and the US. First is that inter-war Germany *lost a war*. This real shock is kind of important. When you're talking about buying power of money, one side of it is the amount of money in circulation but the other side of it is how much real output there is to buy and German real output capacity collapsed after the war. Their most productive regions were occupied territory and they were no longer a powerhouse manufacturing a lot of stuff, driving down the value of their currency.  So lesson number one from Germany: real output collapse harms your currency.  The second problem is that losing a war left Germany saddled with war reparations denominated in foreign currency. When you're on the hook for something you don't print you're in a situation where you can run out of money and that's exactly what happened to them. They tried printing more of their own currency to buy the foreign stuff with but that quickly drove down the value of German currency.  So lesson number two from Germany is you don't want to be on the hook for a currency you don't issue.  Put the two together and you have a real supply shock + foreign-denominated debt eviscerating the buying power of German currency. It wasn't debt:GDP but the real basis for their economy collapsing out from under them pushed along by a need for foreign currency.  >My question is, at what point do we engage Washington's unlimited money printing presses until we reach that point?  In answer to your question, the printing presses are what funds the real economy. The worry in terms of avoiding ""that point"" is in making sure we keep that real economy productive and fully funded. Ironically, taking our eye off the ball to focus on budget balance at the expense of real output pushes the economy in the direction you're afraid of going. See also: the euro zone today."

Check out the property websites to get an idea of how much, the property in question, could yield as rent. Most give a range and you can get a good idea of it. Just one example from zoopla. Likewise you can refer mouseprice or rightmove and get yourself an idea. Property websites do a lot of data crunching to do an update, but their figure is only a guide.

>Sounds like bullshit. Silicon Valley is largely research and development, not manufacturing. Saying that you'll replicate the success of software engineers earning $120k a year by bringing in more $50k a year manufacturing jobs is misleading at best.   Today it is largely research and development but a few decades ago there was a production manufacturing capacity to it that was by in large far greater then what remains today.

"I agree: he evidently has critical thinking skills, but his on-screen persona takes over everything he does. With DJT in the White House, though, the whole ""bully-alpha-dude"" disguise has lost a TON of credibility as a sign of business acumen for the masses, so if I was him I'd try to be less of a c**t when the cameras are rolling, frankly."


Question: What is a reasonable rate of return and fee structure for a Roth IRA?

A Roth IRA is just an account wrapper.  Inside a Roth IRA you can have a plain 0.1% savings account, or a brokerage account, or an annuity or whatever.  There's no rate of return for a Roth IRA. That particular calculator seems to assume you'll be wrapping a brokerage account in a Roth IRA and investing in the stock market.  Over a long period 6% is probably a reasonable rate of return considering the S&P 500 has returned about 7% over the last decade.

I assume that when this actually matters for calculations with money on the line (if there is a need to calculate the probability of hitting a knockout, getting called out of a position, stop loss, etc.) many of these people will use the actual formulas that will give them the correct answers.

At what point does it stop being about money, and start being about not killing our planet.  Plus, whatever profit Tesla is or is not making, Tesla, SpaceX, SolarCity all seem to be making industry changing splashes in their respective markets.

"Couple things, I will admit I was wrong about the total graduates at each of those programs; however, numbers taper out the lower the program is down to about 250-300 a class. Also, cut each of those numbers down to about 1/2 - 1/3 and you get the group that's actually focused on finance. Many MBAs do consulting, marketing, product development, etc nowadays.  Also I'm a bit offended by you saying I don't understand the CFA. Couldn't be more mistaken boss, I'm siting for L3 in June like you. The requirement is only 2 years in an ""investment decision"" role, this also means A LOT of back office risk guys qualify. That's a pretty fungible qualification, you don't have to be a PM to qualify. I have a buddy who qualified having done 2 years in fund accounting, not exactly sell-side ER.  I'm also going to guess you're a trader/brokerage/Cap Markets guy? If you wanna throw titles around I'm in a front office role at a BB, too, and worked at worked on buy-side research at a >$150bn value shop. CFA is definitely more desired in sell-side markets focused as opposed to IBD where an MBA is more useful (more strategy focused).   The CFA is vital for boning up on quantitative skills an MBA won't cover, I'll absolutely give you that. But a lot of people fall into the trap of assuming a CFA is their ticket to bigger and better things. If you're working in back office risk management, getting a CFA doesn't immediately qualify you to do ER (which is a VERY common pitfall I see). Like an MBA it teaches everyone how to do the same type of analysis, too (another reason  the title means less and less).   Last weekend I had a conversation with a friend of a friend about this very thing! He's sitting for L3 CFA, works back office at a very notable HF, and expects to be moved up (without any indication that he will) to research when he's done. I asked his opinions about things like the European situation, fiscal cliff, and a hard landing in china. Not only was he not familiar these concepts he didn't even know what HFT was. The CFA gives you the tools to analyze the impacts of pension liabilities on EPS, but it still takes a passion about the markets, as well as creative/analytical judgement, to make it to ER.   My only point is an MBA and CFA are very similar in many ways. Both tend to hold their noses way to high, too. It's about what you chose to get out of it and too often people care more about the title than the process, which is why they are still stuck in mediocrity after completing the designations.   Go through a list of the biggest PMs in the business, most don't have either MBAs or CFAs! They achieved alpha by not following standard quantitative models but exploring creative and strategic avenues others undervalue while maintaining strict discipline. A model is a tool to better describe behavior and understanding of markets, it's not a solution."

Hah! I used to work at Ratzie's Pizza off of Route 1 and Knox. Is it still there do you know? I was only at U of M for 3 semesters. I lived in Easton Hall. I spent too much time going to raves in DC...hence, only staying at U of M for 3 semesters.

Three ideas: PayPal is probably the best/cheapest way to transfer small/medium amounts of money overseas.

Can you elaborate on how corporate tax cuts exactly drain the economy and destroy jobs?    I feel like, going straight off text-book, his tax-plans make sense. It's very possible that I am a really confused student. (Currently second year student)  -edit  This is my interpretation of the capital-tax-gain-cut proposed by the Trump administration based on what I have learned in Micro/Macro-Econ thus far in college:   Less capital tax = less pressure on the wealthy/entrepreneurs (since you keep bigger portion of your net income, the interest to bring back business should increase) = capital inflow back to the US.    I feel like I'm missing something big here since a lot of folks seem to be against this, and I want to understand why something is the way it is. Thank you in advance.

Let's be honest though; you would to if accepting reality meant that your way of life, your job, your grossly inflated salary, etc. just dried up over night. They're doing everything they can, hemorrhaging money buying law makers, paying lawyers, fighting tooth and nail to keep the dam from bursting. I can see why they'd do that, it makes sense. And the people who aren't at the top making millions a year in those respective area should also be terrified. The fallout from the newspapers was bad enough, swaths of people were laid off, wages were cut all around. It will not be a pretty sight to see when this happens to TV and Music. I imagine the Music industry will collapse first, mostly because they've been in the fight a lot longer than TV has, and so much new talent is actively avoiding them.


Question: What are the easier to qualify home loans in Canada?

Your credit score is really bad, and it's highly unlikely anyone will be willing to give you a mortgage, especially if you still have bad debt showing up on your credit report. What would help? Well, clearing off any bad debt would be a good place to start. Ideally, you want to get your credit rating up above 680, though that may be optimistic here. Note, though, that bad debt falls off your credit report after a while. Exactly how long depends on your province. Note that making partial payment, or even just acknowledging the debt, will reset the 'timer', however. I mention this, though, because you mention some of your debt is from 5 or 6 years ago. It may be just about to fall off. It would also help if you can show that your credit is so bad because of mistakes from a number of years ago, but you've been making payments and staying on top of all debts for the past few years, if that's the case. Also, it would help if you had a reasonable downpayment. 20% minimum, but you'll be a lower credit risk if you are able to put down 50 - 75%. You could also consider having someone with good credit co-sign the mortgage. Note that most people will not be willing to do this, as they take on substantial financial risk. All that said, there are some institutions which specialise in dealing with no credit or bad credit customers. You pay more fees and will pay a vastly higher interest rate, but this may be a good option for you. Check out mortgage brokers specialising in high-risk clients. You can also consider a rent-to-own, but almost all the advice I've ever seen say to avoid these if you can. One late payment and you may lose all the equity you think you've been building up. Note that things may be different if you are moving from the U.S. to Canada, and have no credit history in Canada. In that case, you may have no credit rather than bad credit. Most banks still won't offer you a mortgage in this case, but some lenders do target recent immigrants. Don't rule out renting. For many people, regardless of their credit rating, renting is a better option. The monthly payments may be lower, you don't need a downpayment, you don't have to pay realtor and legal fees (and pay again if you need to move). A couple of sites provide more information on how your credit rating affects your possibility of getting a mortgage, and how to get mortgages with bad credit: http://mortgages.ca/credit-score-needed-mortgage-canada/ and http://mortgages.ca/mortgage-solutions/new-to-canada-financing/, along with  http://www.ratehub.ca/mortgage-blog/2013/11/how-to-get-a-mortgage-with-bad-credit/

> He added that the company will be providing ... outplacement services, including a job fair with local IT employers.  Why even bother with the charade: If Lowes doesn't see the need the need to hire in this country, why should anybody else?  It is a [good idea](http://www.theonion.com/article/report-98-percent-of-us-commuters-favor-public-tra-1434) for *everybody else* to carpool or use mass transit.

Only for farmers markets and only 3 bucks at a time. Kind of like a stupid screw up typical of government. This won't devastate folks and if the markets are solely dependent on these subsidies they will need to close. Maybe the meals on wheels should buy more local produce instead.

FTA  > In late July, the San Francisco-based bank lowered the minimum credit score on these fixed-rate jumbo mortgages to 700 from 720,  For comparison with the bubble years, mortgages were being issued to those with FICO scores under 620.

So you'd prefer someone else to do your work for you? Someone figure out who's the bad guy, and figure out how to punish them? You are too busy filling your Jeep and drinking your latte to actually be a responsible member of society? It is attitudes like that which lead to tyranny. How can you trust those in power, if you have no idea whats right or wrong?

Thats a LOT of assertions without data to back it up. How would you know that the jobs they get pay less? How would you know  that this happens with enough prevalence to pull the average down?  You're just backing your arguments up with thin air.   At least the author is using some data to back up his conclusions. It may have some other nuances, but I doubt he is outright wrong, unlike you.

You mean the study which concluded the $15 minimum wage resulted in fewer hours / less employment and Seattle decided to no longer fund the study (presumably) because it didn't find what they wanted to find and blamed the methodology even though it was actually quite credible?   http://www.nationalreview.com/article/449603/seattle-minimum-wage-study-city-cut-funding-when-it-didnt-results  [Link to actual study]( http://evans.uw.edu/sites/default/files/NBER%20Working%20Paper.pdf)  [Link to debate with Seattle's Kshama Sawant](https://www.google.com/url?q=https://m.youtube.com/watch%3Fv%3DxfLx6XMdCiY&sa=U&ved=0ahUKEwjWpriJiqXVAhUG2IMKHfQLDYYQtwIIETAC&usg=AFQjCNFVlJn3c9XWhfONhJRtJizknHr_FA)

NASDAQ provides a very good IPO calendar as well for US listings.


Question: Should I be worried that I won't be given a receipt if I pay with cash?

If this is because he wants to avoid paying taxes, will I get in trouble if I agree to have him work on my vehicle? You should check your state and local sales tax laws to be certain, but in my state you have no liability if he does not pay his taxes.  That's his problem, not yours.  The biggest risk for you is if something goes wrong, you have no proof that the work was ever done, so it's possible he could deny that any transaction ever took place and refuse to correct it or refund your money.  So at worst you're out what you paid for the service, plus what it would cost you to fix it if you needed to and chose to do so.  If you don't want to take that risk, then insist on a receipt or take you  business elsewhere, but there's no criminal liability for you if he chooses not to report the income. EDIT Be aware, though that state tax is levied at the state and local level, so the laws of your individual state or city may be different.

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"I do know people who follow the islam terrorist manifesto. One is a great guy, and one is a fucking closet jihadist nutbag who I am 100% certain will go jihadi on someone one day.   But that's besides the point. If bugs are infesting your house, you lob the bug bomb in there. You're going to kill some ""good"" bugs, but if you don't, the bugs are going to take the whole house.   It's ignorance like yours that is getting people killed left and right in Europe."

You should be.  Plastics are harming our oceans and the entire environment.  No need to keep disposable water bottles at home.  Sure, there are cases where you don't have your water canteen(bottle) with you; and in those instances disposable water bottles make sense.   However, when you buy 48 pack disposable water bottles every two weeks for your house consumption.  There is some serious logic flaw there.

>What may have been a clever idea in its infancy has grown into a blob which is destructive to the growth-creating and consensus-building prospects of free market capitalism  I wonder how many IPOs this guy has underwritten. I wonder how often he shorts right before earnings to try to make a quick buck.  Hedge funds are all speculation. This guy is completely full of shit. He acts like he is doing some holy duty of balancing the market but all he fucking does is move money around when it's convenient in hopes for rapid returns.

"To answer #3 specifically, there are a number of exemptions from The Individual Shared Responsibility Payment (the ""fine"" or ""penalty"" for being uninsured). One of those is: You lived in a state that didn’t expand its Medicaid program but you   would have qualified if it had. That exemption (others may well apply based on income to many people in this category) applies for the entire year if: You live in a state that hasn’t expanded its Medicaid program under the Affordable Care Act [and] Your income and household size would have qualified you or your family for Medicaid if the state had expanded coverage As such, people who are stuck in the Medicaid gap in those states will not be fined. People in this category also have a special option to enroll in a non-Medicaid plan if their estimated annual income increases later in the year, even outside the normal enrollment period."

This article may be a good place to start [Introduction to Smart Pricing: How Google, Priceline, and Leading Businesses Use Pricing Innovation for Profitability](http://www.ftpress.com/articles/article.aspx?p=1569334)   It gives a brief overview of three pricing strategies, cost plus, competition based pricing and consumer based pricing.  **Edit** -This may also be helpful [Social Science Research Network](http://www.ssrn.com/en/)

Let's take your argument to its logical conclusion. Let's say there is a company that uses infrastructure of UK, Germany, France, US, Japan, Italy and Spain (because it's a global multinational). Corporate taxes in these countries are 19%, 29.65%, 33% (for large companies), 35%, 32.1%, 27.9% and 25%. Now according to your logic, each of these countries should tax the company's profits. Such a company in your world would pay more in taxes than it makes in profits (tax rate > 100%).


Question: How to deal with activist targeting of individual stocks?

The easiest way to deal with risks for individual stocks is to diversify. I do most of my investing in broad market index funds, particularly the S&P 500.  I don't generally hold individual stocks long, but I do buy options when I think there are price moves that aren't supported by the fundamentals of a stock. All of this riskier short-term investing is done in my Roth IRA, because I want to maximize the profits in the account that won't ever be taxed. I wouldn't want a particularly fruitful investing year to bite me with short term capital gains on my income tax. I usually beat the market in that account, but not by much. It would be pretty easy to wipe out those gains on a particularly bad year if I was investing in the actual stocks and not just using options. Many people who deal in individual stocks hedge with put options, but this is only cost effective at strike prices that represent losses of 20% or more and it eats away the gains. Other people or try to add to their gains by selling covered call options figuring that they're happy to sell with a large upward move, but if that upward move doesn't happen you still get the gains from the options you've sold.

Typically your paychecks are direct deposited into your bank account and you receive a paycheck stub telling you how much of your money went where (taxes, insurance, 401k, etc.). Most people use debit or credit cards for purchases.  I personally only use checks to transfer money to another person (family, friend, etc.) than a business.  And even then, there's PayPal.

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That's not at all what I said.   I said regulation is inevitable. The question is, in whose favour we regulate? Employers, owners of capital, or workers.   Deregulation usually favours owners of capital and employers, and ends up concentrating wealth in the hands of the few. Because surprise surprise people would rather invest their money in something that just goes up in value rather than put all the effort into creating jobs or paying workers more. Since there are no laws to encourage them to do so.

Unless your brokerage will sell you fractional shares, the most obvious difference (without us knowing the actual identify of the companies) is that with the $260 one, you will have 3 shares plus you will have $220 minus commission left over that you wanted to invest but weren't able to simply because of the mechanics of long division. You could put that $220 into one of the cheaper stocks, but now the multiple commissions will start to eat your returns. My personal opinion is you should go for a low cost index mutual fund or ETF, and wait to pick individual stocks until you have more than $1000 to work with (and even then, probably still go with the low cost index fund)

Can't beat his [advice for anyone planning on taking the CFA exam for no real reason](http://dealbreaker.com/2011/12/advice-for-anyone-else-planning-to-take-the-cfa-exam-for-no-real-reason/), which has such gems as:   > The thought process that leads you to wear your oversize CORNELL BIG RED sweatshirt to the exam is probably the wrong thought process. *Your Tiger Inn sweatshirt is worse.* If your goal is to intimidate the people around you, just do what I did: leave the morning session an hour early and come back visibly drunk for the afternoon.  I mean the fact that he passed after only studying for a week shows he probably knows what he's talking about.

Cap gains and qualified dividend taxes are the same (see link below)  First let's assume were talking about a taxable account (in a tax-deferred/exempt account taxes don't really matter) capital gains taxes are only realized at the end sale, so share buybacks will not have any adverse until the gains are realized, which in theory should be as far out as possible, whereas dividends are taxed in the year they are received. because of the compounding the buybacks are better than the dividends (which pay tax up-front versus on the back end with buybacks). Yes investors are irrational, but I'm trying to take the long-term rational approach. Additionally, dividends are taxed at cap gains rates if the position is held 60+ days, so all else held equal, share buybacks are more tax-efficient in the long-run.   https://turbotax.intuit.com/tax-tools/tax-tips/Investments-and-Taxes/Guide-to-Taxes-on-Dividends/INF19201.html


Question: Are there any banks in Europe that I can have an account without being in that country?

Opening account in foreign bank is possible, but you must have strong proofs you use it for legitimate purposes. More chances to get an account if you visit Europe and able to stay, for example, for a week, to visit bank in person and wait for all the checks and approvals. Also keep in mind that there will be deposit/withdraw limits and fees applicable, that are significantly stricter and larger for non-EU citizen. In my opinion, if your amounts are not large, it might not worth it. If amounts are large, you might consider business account rather than personal, as is the example of strong proof I meant.

Aside from the fact that probably nobody is ever going to come and ask for that proof unless your amounts get five digits (or you're unlucky), if you never before reimbursed yourself, your old tax declarations would clearly show that. You can't prove a negative, so the only potential is that you had reimbursements before, and an audit might ask you to prove that the new ones are not duplicates of those. In this case, if you have other receipts / proof for all those other reimbursements, they are obviously not duplicates.

It makes no difference for tax purposes. If you are 1099, you will pay the same amount of taxes as if you formed a corporation and then paid yourself (essentially you are doing this as a 1099 contractor, just not formally). Legally, I don't know the answer.  I would assume you have some legal protections by forming an LLC but practically I think this won't make any difference if you get sued.

I agree but...  ( i didn't read the article in its entirety!)  but if her business was grossing $300k per year...  and for her to fall so hard in such a short time, tells me that even with such a large income, she was still living beyond her means.

> In Economics, people are no longer included in the unemployment rate after 1 year of unemployment  ~~Bullshit.~~  [As long as they have actively looked for work in the past four weeks  (which can include asking friends or family about work), they are part of the labor force.](http://www.bls.gov/cps/cps_htgm.htm#unemployed)  Edit: The post is now correct.  I replied hastily and threw in an editorial comment that was unnecessary.

"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-07-24/at-t-said-to-be-in-early-u-s-talks-for-time-warner-approval) reduced by 89%. (I'm a bot) ***** > U.S. antitrust officials have started talking to representatives from AT&T Inc. and Time Warner Inc. about possible conditions that could secure approval of their $85.4 billion tie-up, according to people familiar with the matter.  > One challenge: Justice Department lawyers are starting talks without their new boss being able to weigh in on a deal that would make AT&T a media and telecommunications empire.  > Regulators imposed conduct remedies on the cable giant aimed at preventing it from thwarting online rivals like Netflix Inc. Media companies worry about an AT&T-Time Warner tie-up even more than they did about the NBC deal because it would give the telecom company unprecedented power, one of the people said.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6pe5qi/atandt_in_early_talks_with_us_officials_for_time/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~174909 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*: **deal**^#1 **AT&T**^#2 **HBO**^#3 **Department**^#4 **antitrust**^#5"

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Except ISP and cell phone providers were basically granted monopolies by the government. Amazon has just built a good company that consumers like but that doesn't mean they'll always be on top. The only way that could happen is if the government granted them the sole right to sell online.


Question: How could I find someone to find a room for me to live in? (For a fee, of course.)

Many colleges have offices that can help students find off campus housing. They will have information about rooms being let by families, and about houses being shared by groups of students. The biggest issue is that many of the best places were filled months ago. With only a month to go before classes start time is tight. You can also look for electronic listings organized through a campus newspaper.  The advantage of going through university resources is that they will have more information regarding the types of students they are looking for. A house full of undergrads is different than a family house that rents only to young professors.

"The actual increase in the cost of living for one month over the previous month cannot be calculated from the annualized increase in cost over the entire previous year. Consider the hypothetical case of a very stable economy, where prices stay constant for decades.  Nevertheless, the authorities issue monthly statements, reporting that the change in the cost of living, for the last month, year over year, is 0.00%.  Then they go back to sleep for another month. Then, something happens, say in August, 2001.  It causes a permanent large increase in the cost of many parts of the cost of living components. So, in September, the authorities announce that the cost of living for the end of August, 2001, compared to August a year ago, was up 10%. Great consternation results.  Politicians pontificate, unions agitate on behalf of their members, etc... The economy returns to its customary behavior, except for that one-time permanent increase from August, 2001.  So for the next eleven months, each month, the authorities compare the previous months prices to the prices from exactly a year ago, and announce that inflation, year over year, is still 10%.   Finally, we reach September, 2002.  The authorities look at prices for the end of August, 2002, and compare them to the prices from the end of August, 2001 (post ""event"").  Wonder of wonders, the inflation rate is back to 0.00%!!  Absolutely nothing happened in August 2002, yet the rate of inflation dropped from 10% to 0%."

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Corporations are taxed on their profits.  Multinational corporations can report their profits in any country they have operations, regardless of where they made the sale.  In other words, it's impossible to nail down exactly where a company 'made it's money'.  So the US doesn't try, we just tax them on earnings everywhere, minus taxes paid elsewhere.  edit for clarity

It wasn't that long ago that Tim Horton's was owned by Wendy's, another American fast food chain. The only reason Investment Canada would have to block a foreign takeover would be if it would risk Canadian jobs (which this one wouldn't) or risks putting an important Canadian resource in foreign hands (which this takeover also wouldn't).  Investment Canada has only blocked two foreign acquisitions of Canadian companies in the past 25 years.

no u dont need to go to a top college and there's always hope. hell you'll even be able to break in even if your grades suck. find an area of finance that you're interested in, become as specific as possible, and get really, really good in that area. it isn't enough to say you're into finance. won't even be sufficient to say you're interested in trading. be as specific as possible - macro currency trading, emerging market rates volatility arbitrage, european credit - and then be the best young guy around in that area. then its just a matter of getting in front of people and getting noticed by the right people. good luck.

"What does your comment have to do with my comment? You say ""Apple only designs stuff"" as if that has some bearing on their net worth. Right now Apple's stock is worth about as much as *Google and Microsoft combined*, and they're sitting on about 60B in *cash*. They are *extremely* wealthy. They could do absolutely nothing for a very very long time and still stay in business."

The problem with John Carter was the lack of a solid fanbase to appeal too. The series is old and the comic books are not that great to warrant any pop culture appeal. Now had they explained more about the storyline (and picked a different lead) in the marketing campaign they might have gotten more people interested. Probably the weakest Disney marketing I've ever seen.


Question: Working for recruiter on W-2 vs. working for client on 1099?

I don't think anyone can give you a definitive answer without knowing all about your situation, but some things to consider: If you are on a 1099, you have to pay self-employment tax, while on a W-2 you do not. That is, social security tax is 12.4% of your income. If you're a 1099, you pay the full 12.4%. If you're W-2, you pay 6.2% and the employer pays 6.2%. So if they offer you the same nominal rate of pay, you're 6.2% better off with the W-2. What sort of insurance could you get privately and what would it cost you? I have no idea what the going rates for insurance are in California. If you're all in generally good health, you might want to consider a high-deductible policy. Then if no one gets seriously sick you've saved a bunch of money on premiums. If someone does get sick you might still pay less paying the deductible than you would have paid on higher premiums. I won't go into further details as that's getting off into another question. Even if the benefits are poor, if there are any benefits at all it can be better than nothing. The only advantage I see to going with a 1099 is that if you are legally an independent contractor, then all your business expenses are deductible, while if you are an employee, there are sharp limits on deducting employee business expenses. Maybe others can think of other advantages. If there is some reason to go the 1099 route, I understand that setting up an LLC is not that hard. I've never done it, but I briefly looked into it once and it appeared to basically be a matter of filling out a form and paying a modest fee.

Par value SHOULD mean that they are offering you the options with a strike price (exercise price) that is equivalent to the current valuation of the company.  Note I said SHOULD. As long as you can confirm with HR (or if you're small enough, just ask the CEO) that your grant price is the same as the current valuation of the company's shares, then things are straight.  And while it's very unlikely that someone is doing Something Sneaky, it's always possible.  As a reference, my recent grant letter said:  [Company] (the “Company”) hereby grants you the following Option to   purchase shares of its common stock (“Shares”). The terms and   conditions of this Option are set forth in the Stock Option Agreement   and the [Company] 2013 Stock Incentive Plan (the “Plan”), both of   which are attached to and made a part of this document.

"I'm with you here, I can't imagine who in IB would be ""financial modeling"" with Excel. Matlab, R, or even more general purpose languages like C are much more common. Even things like cookie-cutter monte carlo simulations or many-step binomial trees are a pain with excel."

OTOH if you look at automobile purchases I don't know if anyone could tell you who the CEO of say, GM or Toyota or BMW is. Those purchases tend to be more emotional than anything else and not directly related to corporate or CEO behavior.

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If you think logically about strategic fit, I'm sure you can come up with tons of plausible M&As. Amazon and Whole Foods clearly makes sense. Would I have thought about it alone? Probably not, but in hindsight it is a good strategic move by Amazon.

"There are many different methods for a corporation to get money, but they mostly fall into three categories: earnings, debt and equity.  Earnings would be just the corporation's accumulation of cash due to the operation of its business. Perhaps if cash was needed for a particular reason immediately, a business may consider selling a division or group of assets to another party, and using the proceeds for a different part of the business. Debt is money that (to put it simply) the corporation legally must repay to the lender, likely with periodic interest payments. Apart from the interest payments (if any) and the principal (original amount leant), the lender has no additional rights to the value of the company. There are, basically, 2 types of corporate debt: bank debt, and bonds.  Bank debt is just the corporation taking on a loan from a bank. Bonds are offered to the public - ie: you could potentially buy a ""Tesla Bond"", where you give Tesla $1k, and they give you a stated interest rate over time, and principal repayments according to a schedule. Which type of debt a corporation uses will depend mostly on the high cost of offering a public bond, the relationships with current banks, and the interest rates the corporation thinks it can get from either method. Equity [or, shares] is money that the corporation (to put it simply) likely does not have a legal obligation to repay, until the corporation is liquidated (sold at the end of its life) and all debt has already been repaid. But when the corporation is liquidated, the shareholders have a legal right to the entire value of the company, after those debts have been paid. So equity holders have higher risk than debt holders, but they also can share in higher reward. That is why stock prices are so volatile - the value of each share fluctuates based on the perceived value of the entire company.  Some equity may be offered with specific rules about dividend payments - maybe they are required [a 'preferred' share likely has a stated dividend rate almost like a bond, but also likely has a limited value it can ever receive back from the corporation], maybe they are at the discretion of the board of directors, maybe they will never happen. There are 2 broad ways for a corporation to get money from equity: a private offering, or a public offering. A private offering could be a small mom and pop store asking their neighbors to invest 5k so they can repair their business's roof, or it could be an 'Angel Investor' [think Shark Tank] contributing significant value and maybe even taking control of the company. Perhaps shares would be offered to all current shareholders first. A public offering would be one where shares would be offered up to the public on the stock exchange, so that anyone could subscribe to them. Why a corporation would use any of these different methods depends on the price it feels it could get from them, and also perhaps whether there are benefits to having different shareholders involved in the business [ie: an Angel investor would likely be involved in the business to protect his/her investment, and that leadership may be what the corporation actually needs, as much or more than money]. Whether a corporation chooses to gain cash from earnings, debt, or equity depends on many factors, including but not limited to: (1) what assets / earnings potential it currently has; (2) the cost of acquiring the cash [ie: the high cost of undergoing a public offering vs the lower cost of increasing a bank loan]; and (3) the ongoing costs of that cash to both the corporation and ultimately the other shareholders - ie: a 3% interest rate on debt vs a 6% dividend rate on preferred shares vs a 5% dividend rate on common shares [which would also share in the net value of the company with the other current shareholders].  In summary: Earnings would be generally preferred, but if the company needs cash immediately, that may not be suitable. Debt is generally cheap to acquire and interest rates are generally lower than required dividend rates. Equity is often expensive to acquire and maintain [either through dividend payments or by reduction of net value attributable to other current shareholders], but may be required if a new venture is risky. ie: a bank/bondholder may not want to lend money for a new tech idea because it is too risky to just get interest from - they want access to the potential earnings as well, through equity."

In case you didn't see over the past few years, especially in banks, falling stock prices often lead to ratings downgrades. The logic is that a bank who's stock price is low, or falling, is suffering from a decrease in their ability to tap the equity markets in times of need.  With less ability to tap the equity markets in times of need, this means it is less likely the bank can raise funds to pay off debt, and thus, makes their debt more risky.   It's unfair for me to imply a 100% causal relationship here, because that's not the case, but each of the markets interact with each other in some way. You will at least notice that, whether leading or trailing, companies that have a decreasing stock price also often have a decreasing credit rating.  You'll also notice that stocks which slip under $5 often times get put on credit watch.   The logic could go any which way around the circle, but a company that cuts its dividend may lose some investors who were in it for the dividend. This can cause stock price to fall. Credit agencies, depending on the situation, may approve of companies that cut their dividend (more cash to pay off debt), or, may indicate the dividend cut is not enough to make up for the company's falling profits.   In the absence of full information, a cut in the dividend is often seen as a sign of weakness or a sign of tough times for the company in the future. Companies which have changes in dividend are looked at as less stable, more unpredictable, blah blah blah.   Again, I'm not implying a 100% causal relationship here, but, each of these markets work with each other somehow, and a bank which cuts its dividend may be expecting lower profitability, slower growth, need the funds to cover lawsuit payouts or settlements with insert-regulatory-agency, or any number of other situations.


Question: How does a delta signify the probability of expiring in the money

Just for clarification, delta and probability of expiring in the money are not the same thing. What the guy meant was that delta is usually a close enough approximation to the probability. One way to think about it is to look at the probabilities and deltas of In the Money, Out of the Money, and At the Money options. In these cases, the delta and probabilities are about the same. In fact if you look at an options chain with delta and probabilities, you can see that they are all about the same. In other words, there is a linear relationship between delta and probability. Here are a couple links to other answers around the web: Hope this answer helps!

Well, I see that *[ThatMoron](http://www.reddit.com/r/business/comments/uocxp/my_small_family_company_really_needs_help_with/c4xccg2)* gave you some interesting advice; but it sounds to me like some minor renovations to your existing app might be the best way for you to go. I recommend you look into *that* option. Is the person / company who originally built the system someone you can reach out to? Or, do you have the source code and the right to modify the software as part of what you purchased?  *Edit:* link

"Do you have the claim ticket? I'll assume yes. Do a Google search for ""Dry Cleaner Regulations for [state you live in]"" and see if there is a regulatory agency because some states have them, although that might just be for environmental concerns. Worth a shot to call one and ask if they handle customer complaints. Otherwise, the goal is to have them either find your pants or compensate you for the loss. I'd try one last time on the phone or in person. If that fails: Send them a nastygram in the mail demanding $160 by x date or you will pursue ""further actions"". Keep the letter short and sweet. You can use Google to find example demand letters. After they ignore the letter, file in small claims court. It will cost you ~$50 in filing fees which will be included in the judgement if you win. Go to court, explain why you feel they owe you $160. Bring the claim ticket, the matching suit jacket, and proof that replacing it will cost $160. Step 4: win! Or if that sounds like too much work, you can just write a nasty review on Yelp. You won't get your pants back but it'll feel good. I'd avoid the complaining to the BBB because they have no teeth and the dry cleaner is not obligated to respond to a BBB complaint. Standing right outside their door handing out pamphlets might be a bad idea since it's likely private property and they'll make you leave. But you could always do the labor union thing and hold a ""shame on the drycleaners for losing my pants!"" sign out by the street or entrance to the parking lot. (That seems like a lot of effort, although it'll look great on your Facebook feed!)"

If you are moving into a new house, make sure that it has got a proper security system. A security system can be a complex one, covering the entire house, or it can be a localized one, installed only on specific doors and windows of the place.

As far as I can see, this is an issue of the bank's policy rather than some legal regulation. That means that you'll need to work it out with the bank.  To give you a couple of ideas to work with when you talk with them, maybe something from this list will work: Good luck!

You really need to back that up. If you are talking about graduate degrees it is a way different ballgame as math and science researchers generally pay similar tuition's after GA and TA stipends are given out.  This takes cost out of the equation and higher prestige generally means accepting better students.  Thus their success become difficult to separate between their ability and the education they got.  As for undergrad degrees, the prestige doesn't matter.  You'll actually find a lot of public universities on those lists right up next to their expensive cousins.  Then there's this http://online.wsj.com/article/SB10001424052748703597204575483730506372718.html.

Keep in mind that in order to fund your online casino account, you either had to provide credit/debit card info, or you had to give them your bank account number band routing number already. Now, assuming you've seen no fraudulent activity on your account(s) since then, and it was you who initiated the contact with them, what they're asking for is not totally unreasonable, nor is it all that unusual.  MANY companies require you to provide account/routing info to do financial business with them, which doesn't automatically equate to nefarious purposes, so don't let yourself go down that rabbit hole unless there's some other serious red flag to the situation which you haven't shared with us. It is a bit odd they'd send you a check for a portion of the winnings, but maybe that's to demonstrate good faith on their part as to why they need you to provide them information to send the remainder of your winnings. That being said, the suggestion to open a bank account solely for purposes of receiving your winnings is a good one.  I would go a step further and, once the transfer is made, go to the bank in person and withdraw it in cash.  Then you can deposit it into your regular bank account without there being any possible connection between the two, just in case you decide to indulge your fears about this. Good luck!

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Question: Which mutual funds is Dave Ramsey talking about in The Total Money Makeover? [duplicate]

See the Moneychimp site. From 1934 to 2006, the S&P returned an 'average' 12.81%. But the CAGR was 11.26%.  I wrote an article Average Return vs Compound Annual Growth to address this issue.  Interesting that over time only a few funds have managed to get anywhere near this return, but the low cost indexer can get the long term CAGR minus .05% or so, if they wish.

You're trying to change the subject. I guarantee to you, the amount of interference in your life, and death, would be FAR less intrusive with single payer, which is at least in responsible nations - accountable to the public. What we have now is forced privatization. Which means a total lack of accountability, why? Because the insurance industry and drug industry claim they need it in order to be profitabe WHICH IS BULLSHIT.  Nobody is calling them out on this,  so, what we're getting is Obama's Chicago school **[neoliberal right wing ideology](http://www.corpwatch.org/article.php?id=376)** being forced on this country - AND [other countries](http://ttip2014.eu) - [because of trade policy](http://citizen.typepad.com/eyesontrade/2013/11/38-million-retirees-say-no-to-a-trade-deal-that-would-make-medicine-more-expensive.html), even when they know it can't work!  Its a race to the bottom that is only going to get worse. IT [wastes quite conservatively AT least a third](http://www.pnhp.org/resources/pnhp-research-the-case-for-a-national-health-program), much more probably more than half of every health care dollar. Thats the facts.   It worthless arguing with you, though, because you're not listening.

The biggest issue I can see is that in order to have your parents protected properly, they'll have to register an interest in the property (ie, the 25%). I can't see the mortgage lender being too happy to have a second lienholder on the house for a total of 100% of the purchase price. Usually their conditions state that they'll need to be informed of other debts secured on the house and might actually have a say in that. Another way of accomplishing this is putting your parents on the house's deeds but that might also complicate matters with the lender and cause additional problems when it comes to selling the property. Not to mention that if anything bad happens to your parents, their stake in your property would be counted as one of their assets and you might find yourself in the situation where you have to come up with 25% of the property value right now or you might find that you have to sell the property to the first bidder simply because you do need the money as quickly as possible. Personally I wouldn't do it (especially without legal advice), the legal structure can be a nightmare and you'll just end up painted into a corner.

Mang định hướng là một sản phẩm hạng sang, góp phần nâng tầm diện mạo cho khu vực, Vinhomes Giảng Võ được kỳ vọng sẽ được trau chuốt tỉ mỉ, cẩn thận dưới bàn tay khéo léo, tài hoa của những kiến trúc sư tài ba thuộc tập đoàn thiết kế hàng đầu. Theo một số nguồn tin được tổng hợp từ báo chí, thiết kế tòa nhà dự án theo kiểu “giật cấp” sẽ là phong cách thiết kế mới lạ tại dự án, hứa hẹn những trải nghiệm mới và cảm nhận hoàn toàn mới dành riêng cho Quý cư dân tương lai của chung cư Vinhomes Giảng Võ: với không gian rộng thoáng hơn (đặc biệt đối với các căn hộ càng ở phía trên cao); hệ thống sân vườn, không gian xanh trên cao. Kiểu thiết kế này khiến Quý khách hàng liên tưởng tới Vườn treo Babylon – một trong những kỳ quan vĩ đại nhất trên thế giới.

I don't think that there's a specific  number or index that gives you what you're looking for. I think the closest thing to it would be the velocity of money, which is a measure of how often money changes hands.  Also, for what it's worth, I believe that this concept is controversial in some circles.

Large and small universities have procedures in place regarding the use of the universities name, logo, facilities, and budget. They should have in place guidelines regarding the collection and use of funds from members, and participants. These guidelines are what allows you to have an account with the university. Generally these are not kept in  the credit union but are with the university treasurer.  I would approach this as if I knew nothing about how to get an officially recognized club or organization started. They should then provide you with all the rules and policies regarding money for student organizations. These policies may also discuss how to collect cash, checks, and credit cards. Some universities also allow the use of special card readers to process the special debit card attached to your university ID.  The 10% fee charged by the university is typical. They will need to account for your funds, while maintaining their tax exempt status. If you get fully inline with their policies that will allow you to avoid tax issues.

Ha!... just looked at some pics and you are probably spot on with the faux-steak-house-yet-quirky look.  At that point it's only the political ideology that might be a draw and as other's have pointed out it's a place / price point that is pretty well established.  They would have to be much more radical in a lot of areas to carve out a space for themselves.

"Appeal to Authority - Using an authority as evidence in your argument when the authority is not really an authority on the facts relevant to the argument.  As the audience, allowing an irrelevant authority to add credibility to the claim being made.  That is what I've been getting at in my comments. You kept saying you have more experience so I brought up that I've actually studied economics. Then I immediately followed it up with that, despite my studies, that doesn't mean I'm right just like your experience doesn't mean you are correct. That was my whole point and why I brought it up. Experience or ""authority"" doesn't mean you are correct. It's like saying ""I'm older so I know better.""  But, you kept pressing forwards with ""I have more experience and more academics than you,"" and even calling me kiddo despite not knowing my age, so I went and grabbed a link to a consensus of 600 people who are considered experts in this field that disagreed with you. Each personal individually would trump your experience, let alone 600 of them collectively.  As far as my first source, it doesn't matter. I can go find more if you want. I stand by my claims because I've also seen it elsewhere. Sorry I didn't send you 10 links instead of just one, and now I'm in mobile so I can't easily discuss it.  As far as your source that discusses academic leanings, I'm intrigued with its findings, because it appears to be reputable, and plan to look over it. I've personally said for awhile that when faced with new facts/evidence I'll consider it in regards with my position, and will change my position if the evidence appears to line up. I've done it before and I'm not so prideful to not do it again. Besides, that's what people should do instead of just digging their heels in because they don't like what they hear."