Question: Interest payments for leveraged positions

"I think to some extent you may be confusing the terms margin and leverage. From Investopedia Two concepts that are important to traders are margin and leverage. Margin is a loan extended by your broker that allows you to leverage the funds and securities in your account to enter larger trades. In order to use margin, you must open and be approved for a margin account. The loan is collateralized by the securities and cash in your margin account. The borrowed money doesn't come free, however; it has to be paid back with interest. If you are a day trader or scalper this may not be a concern; but if you are a swing trader, you can expect to pay between 5 and 10% interest on the borrowed money, or margin. Going hand-in-hand with margin is leverage; you use margin to create leverage. Leverage is the increased buying power that is available to margin account holders.  Essentially, leverage allows you to pay less than full price for a trade, giving you the ability to enter larger positions than would be possible with your account funds alone. Leverage is expressed as a ratio. A 2:1 leverage, for example, means that you would be able to hold a position that is twice the value of your trading account. If you had $25,000 in your trading account with 2:1 leverage, you would be able to purchase $50,000 worth of stock. Margin refers to essentially buying with borrowed money.  This must be paid back, with interest.  You also may have a ""margin call"" forcing you to liquidate assets if you go beyond your margin limits. Leverage can be achieved in a number of ways when investing, one of which is investing with a margin account."

"The point of the enrollment penalty is basically the same as the ACA penalty.  Any sort of health insurance - or really, any insurance - is funded by creating a risk pool of high and low risk people and pricing it so that the overall payments cover the total risk.   That means, however, that on average the low risk people end up paying more than their share - more than it would have cost them, without the insurance, excepting any provider agreements to charge less (which is significant in the health insurance business).  (Of course some of them do end up using more than they pay - but not on average, assuming the risk was calculated accurately.) While there isn't really a completely low risk pool in Medicare, there is a significant difference in utilization (=cost) between younger (65-70) and older enrollees.  As such, for many health 65 year olds, it would be beneficial to not enroll in Medicare right away - delay a few years, if they're fully healthy, and wait until they are less healthy.  Since Medicare won't turn you away for pre-existing conditions, that's a risk some would take. In order to accommodate for that, Medicare effectively says, ""If you didn't help subsidize the costs of the high users when you were younger, you need to pay more to make up for that fact"" - hence the enrollment penalty.   The New York Times explains this in part in a 2006 article discussing Part D (which was new that year, and has a similar penalty): The purpose of the late enrollment penalty is to encourage people to   sign up as soon as possible, before they have significant drug costs."

I think it's pretty clear they need a quality smart phone line since that's almost all people are buying anymore.  I don't know why they aren't making Android phones other than the market is already saturated and it's hard to stand out. The Windows Phone is almost certainly their best bet, but can they hang in there until MS's push to the win8 platform. If they can I expect the Windows Phone to do very well. Most Joe Consumers will be like OH well I have windows at home so I know that, and I doubt it will be any less intuitive than the Android interface or any more boring than the iPhone interface.

"It can be a great addition to another degree.  STEM are a good choice.  I paired mine with German, then went back years later for my MBA in Finance.  As for whether it would go with information science, it all depends what you want to do.  Those combine very well for some very specific roles these days.  Though I would think as ""big data"" evolves, econ and IS could pair very well.  My main concern is... Have a desired outcome.  It may never end up just like that, but you want to know what you're getting has a purpose in your endeavors.  Do not get a STEM kicker just to have a STEM kicker."

The rental income is indeed taxable income, but you reduce the taxable portion of it by deducting expenses (including mortgage interest, maintenance, insurance, HOA, real estate tax, and of course depreciation). Due to the depreciation, you may end up breaking even, or having very little taxable income. Note that when you sell the property, your basis is reduced by the depreciation you were allowed to deduct (even if you haven't deducted it for whatever reason), and also the personal residence exclusion might no longer be applicable - i.e.: you'll have to pay capital gains tax. You will not be able to deduct a loss though if you sell now, so it may be better to depreciate it as a rental, rather then sell at a loss that won't affect your taxes. Also, consider the fact that the basis for the depreciation is not the basis you currently have in the property (because you're under water). You have to remember that when calculating the taxes. This is not a tax advice, and you should seek a professional help.

You can use a used paint brush to scrub the frame and loosen the dust and the same technique can also be implemented on uPVC Windows and windows as well. The dust, dirt, cobwebs, etc., can be further removed using a vacuum cleaner. You should totally avoid abrasive sponges and clothes along with harsh creams and cleaning solutions, as they might cause permanent damage to uPVC windows as well as awning windows Melbourne.

No, it won't affect your score until your statement is posted. Paying your bill before your statement is posted is actually a good way to keep your credit utilization low. If you're worried about high credit utilization negatively affecting your credit score, consider paying your bill several times a month to ensure that when your final monthly statement is posted, your utilization is still low. When my credit limit was very low while I was in college, I did this almost every month, and I've seen other sites recommend this practice as well. From creditkarma.com: The easiest way [to lower credit utilization] is to make credit card payments more than once a month so that your balance never gets too high. and creditcards.com: Consider making payments to creditors more than once each month. Otherwise, if you put a major expense -- like a new appliance -- on a credit card, even if you plan to pay it off, your FICO score may take a hit. The reason is that credit scores are calculated as a snapshot in time, so if that happens to be right after you charged a new $700 washing machine, your utilization ratio will look worryingly high. Remember, though, that it's best to have some balance on your card when your statement is posted (assuming you pay it off in full each month), because as the chart shows, 0% utilization is about as bad as utilization > 31-40%:  Also, remember that credit utilization affects your credit score in real time, so if you have high utilization one month but a lower utilization the next month, the hit to your score will disappear once a statement with low utilization is posted.

The 3.7% annual increase is probably a little high. Current averages are about 2.8-3%. This leads to the final numbers being a bit inflated, but it still gets the point across. I know too many people my age that aren't invested, yet have not insignificant savings.


Question: What is a better way for an American resident in a foreign country to file tax?

"If you live outside the US, then you probably need to deal with foreign tax credits, foreign income exclusions, FBAR forms (you probably have bank account balances enough for the 10K threshold) , various monsters the Congress enacted against you like form 8939 (if you have enough banking and investment accounts), form 3520 (if you have a IRA-like local pension), form 5471 (if you have a stake in a foreign business), form 8833 (if you have treaty claims) etc ect - that's just what I had the pleasure of coming across, there's more. TurboTax/H&R Block At Home/etc/etc are not for you. These programs are developed for a ""mainstream"" American citizen and resident who has nothing, or practically nothing, abroad. They may support the FBAR/FATCA forms (IIRC H&R Block has a problem with Fatca, didn't check if they fixed it for 2013. Heard reports that TurboTax support is not perfect as well), but nothing more than that. If you know the stuff well enough to fill the forms manually - go for it (I'm not sure they even provide all these forms in the software though). Now, specifically to your questions: Turbo tax doesn't seem to like the fact that my wife is a foreigner   and doesn't have a social security number. It keeps bugging me to   input a valid Ssn for her. I input all zeros for now. Not sure what to   do. No, you cannot do that. You need to think whether you even want to include your wife in the return. Does she have income? Do you want to pay US taxes on her income? If she's not a US citizen/green card holder, why would you want that? Consider it again. If you decide to include here after all - you have to get an ITIN for her (instead of SSN). If you hire a professional to do your taxes, that professional will also guide you through the ITIN process. Turbo tax forces me to fill out a 29something form that establishes   bonafide residency. Is this really necessary? Again in here it bugs me   about wife's Ssn Form 2555 probably. Yes, it is, and yes, you have to have a ITIN for your wife if she's included. My previous state is California, and for my present state I input   Foreign. When I get to the state tax portion turbo doesn't seem to   realize that I have input foreign and it wants me to choose a valid   state. However I think my first question is do i have to file a   California tax now that I am not it's resident anymore? I do not have   any assets in California. No house, no phone bill etc If you're not a resident in California, then why would you file? But you might be a partial resident, if you lived in CA part of the year. If so, you need to file 540NR for the part of the year you were a resident. If you have a better way to file tax based on this situation could you   please share with me? As I said - hire a professional, preferably one that practices in your country of residence and knows the provisions of that country's tax treaty with the US. You can also hire a professional in the US, but get a good one, that specializes on expats."

There's no need for joint accounts to transfer money between you. You can always transfer money to him in Israel to his Israeli account. Having joint account will pose a couple of issues. If the account is in Israel - you will be liable for FBAR/FATCA reports. If the account is in the US - your son will be liable for similar reports in Israel. Joint account also means there's an ambiguity about what belongs to whom and is transferred in what direction. You'll have issues with gift tax reporting/liabilities. Your son can open a USD account in Israel and you can wire money there or send him checks (that would take longer). Or, you can wire money directly to his ILS account.

"For starters like some other people have said, just talk to someone in IB and get some advice on how to break in, and what it's really like. I've spoken to people in IB and learned that it's really just not going to be for me...In response to your four questions,  1.  Get your degree at DePaul and wait a few years to get your masters. You don't need an MBA for IB and it'll be a lot harder to go to a prestigious grad school without significant work experience and a solid network  1. It definitely wouldn't hurt for you to double major in CS, but if you do, you're going to have to keep your grades up, and still stay sharp in both majors. You don't want to have a 3.0 and have both, it'll kill your chances. You're going to need at LEAST a 3.8, if you're under that it's gonna be a lot harder to get anywhere.   1. If there are other industries you want to turn to then sure! I used to be interested in IB but now I'm leaning more towards private equity, and working with Reg D. clients, 1031 exchanges etc.   1. NETWORK!!!! If you aren't already, seriously get out there and network like hell. But don't just cold call random people, you really need to make meaningful connections with people, and continue to stay in contact with them. You can also learn a lot from WSO and various IB books, guides etc, I have a bunch of that stuff on my google drive from a friend if you want it.   And some general tidbits  **Don't stress about the school you go to**...going to a prestigious school really does help, but if you work hard enough, make the right connections and are good at what you do, you can land a role in IB. I know several people that have gone into IB from my school and I would consider us maybe a Grade C state school. It's possible  I'd also recommend looking more at a boutique and middle-mark companies rather than your Bulge Bracket banks, it'll have less competition and could be easier to break into, and like some other people are said you really need to get that junior year internship if you want to make it into IB. But if you can't get into IB right after school don't fret, go somewhere, get some experience, get your certifications (Series 7, Series 63 etc) and try again.  **Know your technicals** you need to be able to walk through a DCF, an LBO and all of the financial statements in an interview. There are billions of guides on how to do this, but you need to know this.  **Stay on top of current events** Just be well versed in how the market is doing, which industries are hot right now and what's not, and WHY!  **Know your story** Believe it or not, but your story and how that aligns with a companies culture is really important. I have a friend that didn't make it into a certain firm solely because they just didn't think he was a good enough fit for their culture. ""I want to make a lot of money"" won't work, instead think more along the lines of ""I want to challenge myself""  Good luck man"

">Me: ""they pay it as regular income rather than LTCG"" >You: ""There's no LTCG tax on Roth accounts.""  Those two things aren't the same thing.  Among other problems, you were referring to tax-deferred accounts and I was referring to Roths.  >Me: ""they pay it as regular income rather than LTCG"" >You: ""You're only taxed once on the money""  Again, those are not the same thing.  There is no account out there where you would only pay LTCG tax.  So paying the tax as regular income RATHER than LTCG tax is not a concern.   >Me: ""they pay it as regular income rather than LTCG"" >You: ""The main advantage of 401ks is that you don't ever pay capital gains tax.""  Again, the word ""rather"" means there were two possible scenarios: paying regular income tax and paying LTCG tax.  This simply isn't true.   >I never mentioned Roth or taxable funds   Well, those are the only alternatives to a tax-deferred account, so...  >""Though what I said does also apply to Roth""  No it doesn't.    >""But please, keep digging...""  Nothing to dig for.  This isn't a difficult concept but for whatever reason you clearly don't understand it."

Several things may be the cause.   The person who clicked with you may be side lined in the hierarchy.   You missed something basic in the entire presentation, maybe you should have picked up or said something about this being similar to X industry or what not. (Not saying you didn't, but pointing out that there is a lot of different reasons as to why it could have happened)   The interviewer could have been a tool   There was another better candidate.   The usual admonitions apply, this is the same advice I give close family members when they get dinged -   1) You are doing the right thing in analyzing it  2) If you can't figure out something to improve on soonish, stop chewing on it. Its quite possibly that the answer will pop into your head once you've had time to distance yourself. Or the answer could be pointless to obtain.  3) Getting in is usually a numbers game - keep at it.   The fact that you are focusing is a good thing. You could always try the good old:   - Thank you for taking the time out to interview me. I respect the decision taken and regret not being able to join a firm that I greatly respect and admire. If possible, would I be able to talk/meet with you at your convenience.  I usually frame these things better, but right now, personally not feeling that confident about sending such a mail so its reflecting in the language.  The reason I am suspicious that such a mail won't work is because it sounds you came through the generic recruitment barrage for undergrads - and lee way there is few and far between.  All the same, you said you managed to connect positively witht he first interviewer, so adapt and target this at that conversation, put it into your voice and send it to him/her.   Thank them for their time, appreciate the effort, and ask politely and with confidence if you could have some time to understand their thought process.   You wont get into that firm , but you will make a contact if all goes well. And thats worth a lot.

You can't change the W2, the employer issues it and sends it to the IRS. You cannot affect it in any way. The employer reported correctly. You did contribute $4137 in 2015. You then withdrew the excess in 2016, and did it timely, so it is not taxable in 2016. However, the excess contribution should be added back to your wages on your tax return. The way to do it is to add it to the taxable wages amount (reported on W2 box 1), and attach a statement explaining that the amount added is the excess contribution. You then put the corrected amount in the right place on your tax return (line 7 on the form 1040). Adding the difference to misc income (line 21) is OK too, it's the same effect. You will then need to check with your payroll that they're aware that the excess was deposited back on the account of the next year and adjust their reports accordingly. Otherwise you'll end up with excess contribution again.

You could evaluate the risk exposure of your UK bank reading this post and this other old one. They basically say that UK bank exposure to Greece is less than 6 billions pounds (BOE data), so there is no reason to be worried now. The main issue of this crisis is not the Greek exit from the Euro on its own (it seems to be considered almost a fact by CITI, and by MS at 35% probability, Profumo ex CEO of UNICREDIT, says the possibility are more than 50%) – the main issue is that other countries like Italy and Spain might follow the same fate. If they do, the exposure of many foreign banks (including the UK ones) to their debts is not negligible (191,80 billions pounds for UK banks) moreover other EU banks (even the German ones) exposed to Italy and to Spain will suffer too, and this suffering will be translated into more suffering for UK banks exposed also to Germany and to France. That's why you read Euro doom articles like this one from Paul Krugman (who won a Nobel Memorial Prize in Economics.)

I try really hard to avoid commercials. To me, they are a 100% waste of time and money  I can't remember EVER buying something as a result of a TV commercial  Of course, there are things I buy that are advertised. But I don't buy them because of the ad, I buy them because I need or like them.


Question: What are some of the key identifiers/characters of an undervalued stock?

You can't. If there was a reliable way to identify an undervalued stock, then people would immediately buy it, its price would rise and it wouldn't be undervalued any more.

Voorspellen in de zomer met een koelsysteem, dat is alleszins moeilijk om te werken en is ook erg sterk. Drink beschermd en koel water voor een gezond leven. U kunt de bronnen ook in staande vloermodellen of tegenstations installeren. Je moet de capaciteit hebben om het effectief te kunnen werken en het moet ook voldoende solide zijn.

If you lived in a gang banger / drug dealer's house, ate his food, watched his TV, wore the clothes he provides, *while* being a legal adult fully able to move out and be independent if one chooses... wouldn't that *imply* acceptance and approval of the person's drug dealing lifestyle?

Too long for a comment -  It's great that you are saving to the match on the 401(k). Does your company offer a Roth 401(k)? If so, you might consider that, instead. From the numbers you offered, you are likely in the 15% bracket now, but will find you move to 25% in years to come. The 2014 tax rates are out and how the 15% bracket ending at $36,900. (Over $47,000 gross income). I'd rather see you pay tax at 15% now, and use pre-tax accounts as your income rises. If the Roth is available.

I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/brasilonreddit] [\[r\/economy\] No One Has Ever Made a Corruption Machine Like This One — Brazilian construction giant Odebrecht SA](https://np.reddit.com/r/BrasilOnReddit/comments/6gayar/reconomy_no_one_has_ever_made_a_corruption/)  [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*  [](#bot)

>I distinctly remember in dot-com crash it was only Internet stocks that were clearly overvalued.  You remember someone had this opinion. Did you ever check the facts?  The [S&P 500](http://finance.yahoo.com/q/bc?s=%5EGSPC+Basic+Chart&t=my) is the average of the 500 largest corporations of the USA, and it grew steadily through the 1990s, falling after 2000.  Now look at [Apple](http://finance.yahoo.com/q/bc?s=AAPL+Basic+Chart&t=my) for an example of a tech stock that didn't follow that trend.

You are planning on signing a contract for, likely, hundreds of thousands of dollars, and plan on paying, likely, tens of thousands of dollars in a deposit. For a house that is not built yet. This isn't particularly unusual, lots of people do this. But, you need a lawyer. Now, before you sign anything. Your agent may be able to recommend a lawyer, but beware; your agent may have a conflict of interest here.

"> the single mother will still have substantially more combined income from welfare and earnings by holding a minimum-wage job than by relying only on welfare.  And way less time to take care of her children... and a huge expense to put her kids in child care.  Got it? So, there's a welfare poverty trap and many ""professionals"" taking advantage of it."


Question: I have a million dollars of disposable income. What should I do to best benefit the economy?

"At first, I thought this might be too broad.  There are of course thousands of things that you can do with your money to ""help the economy"".  But I think that there is room to discuss some broad strokes without trying to list a thousand details.   Regular investing (as you are now) helps the economy in that companies obtain money by selling their stock.  They can then use that money to fund expansion, etc.  These things can help the economy permanently.  Of course, they can also use the money to pay executive bonuses, which don't help the economy so much.   Similarly, just spending money does not normally help the economy.  Unless we are in a recession, it is mildly harmful to spend wastefully.  Money that could be going to support long term improvements in production instead is used to buy a luxury that doesn't terribly interest you.  I.e. if you don't want a bigger house or a more luxurious car don't buy it to ""stimulate"" the economy.   Many charitable donations have the same problem.  They help short term consumption somewhere.  And of course the charity starts asking you for more money.  Many charities waste most of a donation trying to get another one from the same person or family.   Sir John Maynard Keynes proposed that the best thing that people could do to help the economy is to invest in things that cause economic activity in turn.  He was mostly talking about things like roads, bridges, and dams that are out of the investing range of most people, so he wanted governments to do it, particularly during a recession.   So we are looking for ways to invest in durable improvements that will support economic activity in the future.  A million dollars is a small amount for many things, but there are some activities that work.  I'm going to list a few examples, but there are certainly others:   Fund microfinance.  Basically loan your million dollars to people who need a small amount of money.  These programs often allow you to determine the initial recipient and then that person determines the next recipient.  A million dollars can finance hundreds if not thousands of these loans.  They may be in the United States or in a developing country.   Set up a scholarship.  My recommendation would be to find an existing scholarship with a few recipients and ask them to add one a year for the million dollars.  A million dollars should typically produce about a scholarship a year in returns after inflation.  Of course, that's just regular inflation.  Education inflation is higher.   Solar prize.  Fund a program that gives out one solar installation every year or five to a family that owns a house, is struggling to pay utilities, and makes a compelling case.  Basically, whenever the investment grows enough to support it, make a new prize.   Buy something that will help other people make money.   This is just six ideas off the top of my head.  The goal here is to create something lasting that will promote economic activity.  So a program that loans money forward.  Or a scholarship or free textbook, particularly in a STEM field.  A small piece of infrastructure that helps people move around to work or spend their money.  Solar is a bit of a stretch here, but it can be justified if you believe that an investment now is an investment in moving towards the future.   The key thing here is to make your money do double duty.  By spending your money during a recession or investing during the rest of the business cycle, you can get some value for your money.  But even better is if that spending has a societal return as well.  Microfinance, scholarships, and infrastructure do that.  There is the immediate spending, plus there is the effect of the spending.  A business is established.  A mind is trained and working at a high income job.  People can move, work, and spend their own money."

>  low seven hundreds wont even garner a look from any school in the top 20   From my understanding, without a math background already (math major for a double in undergrad) you're expected to have a perfect quant score on the GRE to be competitive in the PhD realm.

FTA: “Yet this new study notes that subsidies aren’t simply cash being handed to oil companies. Subsidies often come in the form of tax breaks, which is just one of the many ways oil companies receive government handouts.”  Tax breaks are not subsidies.  The taxpayer pay absolutely nothing to the oil companies when a tax break is applied.  The taxpayers are actually net recipients from the drilling activity.  If the existence of a tax break is a requirement for oil drilling profitability, then elimination of the tax break would eliminate drilling.  The taxpayers are choosing between zero additional tax revenue without tax breaks or some tax revenue with tax breaks so drilling can proceed.  The article’s point about export ports being subsidized by the taxpayer is a distraction.  The VAST majority of oil produced in the US is consumed in the US.  All that oil is drilled, transported, refined, transported again, then sold to consumers in an end-to-end supply chain built on a vast sum of private capital.

"DO NOT buy this car. First, I want to say I love BMW's.  There's a reason why they call them ""ultimate driving machine"" and why other car manufacturers compare their new models to BMWs.  I own 330i and I absolutely love it.  Every time you get into the car, it just begs you to push and abuse it.  Everything from steering response to throttle to engine sound.  Awesome car.  However... 1) BMW is not known for their reliability.  I've had to do numerous things to this car and if I didn't do the work myself (i like tinkering with cars), it would be a pretty big money pit (and actually still is).  German parts are more expensive then regular cars.  Labor will run you if you take it for service.  Right now my car is on jack stands while I'm fixing an oil leak, replacing cooling system components which are known to fail and doing work with the cam timing system which uses bad seals. 2) If you buy a used car which is 3 years old, just remember all the wearable items and everything that wants to break, will break 3 years sooner on you.  Someone else already pre-enjoyed your car's maintenance-free days.  At 60k-80k things will start to go.  Ask me how I know.  So you'll start paying for maintenance way before your 5-year loan expires.  Compare this 330i to the Acura Integra I used to have.  Acura (aka Honda) had 194k miles when I sold it and I NEVER ONCE got stranded with the Acura. 3) Fuel economy is not that good and btw you have to use the most expensive gas. 4) If you are really set on buying a BMW because you enjoy driving and won't drive like an old lady (my apologies to those old ladies that drive at least the speed limit, but you are not the majority), then still do not by this one and check out auctions.  I bought my 2003 330i in 2005 for 21k when it cost over 40k new.  You could probably find one with less than 20k miles on it. My final advice is either a) learn to at least do basic maintenance or b) stick to always buying new cars which don't have any issues in first 4-7 years, then move on before you have to schedule your life around your cars. on the bright side I doubt you'll have to ever replace the exhaust and you can buy tail lights on e-bay for roughly $60 :)"

Most of the points by MrChrister are valid. I can't say much for Philippines, however there is a reason for one to go with individual insurance from my experience in India.

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

eh on second thought Suppose I earned $1 Billion per year.  then 10,000*365 = 3,650,000 and  3,650,000 / 1,000,000,000 = 0.35% of my yearly income in terms of percentage costs.  If someone makes $20,000 per year and spends $500 a month on rent then   500*12 = 6,000   6,000/20,000 =  30% of ones yearly income in terms percentage costs.... sooooo yeaaaah Is swap that rent percentage any day of the week. At 20,000 a year a rental rate of .35% comes out to a monthly rent of $5.84.  I'll take the Billionaire yacht mansion.  [edit in response to the above edited comment]:  You're right I'm a billionaire i don't got time for maintenance. I'm just gonna buy a new one every year AND Im gonna assume that operating costs are $40,000,000 per year on top of buying a new $40,000,000 each year which comes out to $80,000,000:   80,000,000/1,000,000,000 = 8%   STILL GONNA TAKE THE BILLIONAIRE YAGHT OVER THE NORMAL RENT  To be clear 30% of 1 Billion is 3 Hundred Million: which means as a billionaire I could buy **25** $40 Million yachts.    [Moar Edit]: Ok like Since Ive got a super Yacht for just 8% of a billion this extra $920 Million Is burning a hole in my pocket.  I'm gonna buy 40 $2 million homes (one for each top  city) which leaves me with only $840 Million.  I gonna buuuuy A Hillary Clinton Level politician ($200 Million or so). So got $640 Million left...

The spring on the garage door will always break at some point of time. The garage doors are frequently used and with constant up and down the string are bound to suffer a metal fatigue and will break. The professional garage door repair service will easily replace the spring and your garage door will be back to work in no time.


Question: Why GOOG is “After Hours” while FB is “Pre-market”?

It looks like GOOG did not have a pre-market trade until 7:14 am ET, so Google Finance was still reporting the last trade it had, which was in the after-hours session yesterday. FB, on the other hand, was trading like crazy after-hours yesterday and pre-market today as it had an earnings report yesterday.

"Eventually, you'll end up buying a stock at or near a high-water mark.  You might end up waiting a few years before you see your ""guaranteed"" $100 profit, and you now have $5K to $10K tied up in the wait.  The more frequently you trade, the faster your money gets trapped. There are two ways to avoid this problem: 1) Do it during strong bull markets.    If everything keeps going up you don't need to worry about peaks...but then why would you keep cashing out for $1 gains? 2) Accurately predict the peaks.    If you can see the future, why would you keep cashing out for $1 gains? Either way, this strategy will only make your broker happy, $8 at a time."

While I get your point as a joke, I think we need to allow non-highway vehicles on our non-highway roads.  I'd rather not have Kei truck even attempting to get on the highway, but it'd be damn handy to be able to roll down to the local Home Depot.

> You see zero ads? Really? Have you watched a YouTube video recently?  It's funny that statement has been met repeatedly now with disbelief where most people would simply ask how I block all of the ads. Which I assure you, I am doing.

'So the free roaming tiger zoo turned out to have a bit of a cash flow issue once all the visitors kept getting eaten but the 'strippers in every shop of a mall' idea has been working out great. Lots more families coming in.'

I applied for a job a was literally perfectly qualified for. My educational background was exactly what it described, my work history was spot on, and my internship experience was DOING THAT JOB. I got an email two weeks later saying I wasn't qualified.   So now I just get jobs through connections. My own merits apparently don't mean anything.

"Some history: In the US, this is very tightly controlled and regulated. Although stock market securities insider trading is a relatively new crime around the world (20-30 year old), the United States  is exceptional for offering the longest sentences for it, although it is still far more lucrative than and carries lower sentences than something like petty larceny. The perception of illegal insider trading has changed in the US over the years, although it is based on much older fraud statutes the regulators and the courts have only really developed modern case law against insider trading in the past 20-30 years. The US relies on its vast network of registered broker-dealers to detect and report abnormal trading activity and the regulator (SEC) can quickly obtain emergency court orders from rent-a-judges (Administrative Law Judges) to freeze trader's assets to prevent them from withdrawing, or quickly enacting sanctions. So this reality helps deter trading on material inside information. So for someone that needs to get an information advantage on the market, it is [simply] necessary for them to rationalize how this information could be inferred from public sources.  Similarly there is a thin line between non-public information and public information, the ""lab experiment"" example would be material insider information, but the fact that there will be litigation over a company's key patents may be ""public"" as soon as the lawyer submits the complaint to the court system. It is also worth noting that there are A LOT of financial products trading in the capital markets, and illegal insider trading laws only applies to trading of shares of a company. So if a major holder in gold is about to liquidate all their holdings, being short gold futures is not subject to civil and criminal sanctions. Hope this helps. The above examples should help you understand what kind of information is material inside information and what kind is not, and how it is relevant to trading decisions."

Correct me if I'm wrong, but it looks like you're posting something that defines labor hours right now (and for a different purpose)...  Not for when said provisions of the Affordable Care Act are implemented.    Go easy on me, I'm having a vodka ditch tonight to cope in general.


Question: Quote driven and order driven financial markets

"- In a quote driven market, must every investor trade with a market        maker? In other words, two parties that are both not market makers        cannot trade between themselves directly? In a way yes, all trades go through a market maker but those trades can be orders put in place by a ""person"" IE: you, or me. - Does a quote driven market only display the ""best"" bid and ask        prices proposed by the market makers? In other words, only the        highest bid price among all the market makers is displayed, and        other lower bid prices by other market makers are not? Similarly,        only the lowest ask price over all market makers is displayed, and        other higher ask prices by other market makers are not? No, you can see other lower bid and higher ask prices. - In a order-driven market, is it meaningful to talk about ""the current stock price"", which is the price of last transaction? Well that's kind of an opinion. Information is information so it won't be bad to know it. Personally I would say the bid and ask price is more important. However in the real world these prices are changing constantly and quickly so realistically it is easier to keep track of the quote price and most likely the bid/ask spread is small and the quote will fall in between. The less liquid a security is the more important the bid/ask is. -- This goes for all market types. - For a specific asset, will there be several transactions happened at    the same time but with different prices? Today with electronic markets, trades can happen so quickly it's difficult to say. In the US stock market trades happen one at a time but there is no set time limit between each trade. So within 1 second you can have a trade be $50 or $50.04. However it will only go to $50.04 when the lower ask prices have been exhausted.   - Does an order driven market have market makers?  By definition, no. - What are some examples of quote driven and order driven financial markets, in which investors are commonly trading stocks and derivatives, especially in U.S.? Quote driven market: Bond market, Forex. Order driven market: NYSE comes from an order driven market but now would be better classified as a ""hybird market"" Conclusion: If you are asking in order to better understand today's stock markets then these old definitions of Quote market or Order market may not work. The big markets in the real world are neither. (IE: Nasdaq, NYSE...) The NYSE and Nasdaq are better classified as a ""hybird market"" as they use more then a single tactic from both market types to insure market liquidity, and transparency. Markets these days are strongly electronic, fast, and fairly liquid in most cases. Here are some resources to better understand these markets: An Introduction To Securities Markets The NYSE And Nasdaq: How They Work Understanding Order Execution"

This point stands. It's an accurate description.   However, for clarity, they're not skimming money off your order in the traditional sense. They see your order, beat you to the punch, and place their own. They then sell it back to you at a higher price. Think brute force for the stock market.

Have you looked at what is in that book value? Are the assets easily liquidated to get that value or could there be trouble getting the fair market value as some assets may not be as easy to sell as you may think. The Motley Fool a few weeks ago noted a book value of $10 per share. I could wonder what is behind that which could be mispriced as some things may have fallen in value that aren't in updated financials yet. Another point from that link: After suffering through the last few months of constant cries from   naysayers about the company’s impending bankruptcy, shareholders of   Penn West Petroleum Ltd. (TSX:PWT)(NYSE:PWE) can finally look toward   the future with a little optimism. Thus, I'd be inclined to double check what is on the company books.

I am not required to hold any company stock. I also have an ESOP plan carrying a similar number of shares in company stock.  So if it were to be sold, what would the recommendation be to replace it? I can move the shares into any option shown, and have quite a few others.  Not dealing with any huge amounts, just a 4.5% contribution over three years (so far).

"This article is a libertarian orgasmic delight: If granny can't pull her weight then she can die in the street. ""If you’re going to cut that much money out, it’s going to be coming from older people and people with disabilities” says this quote from the article."

"The Answer is yes according to multiple online sources and my local bank. This approach is a common technique to building your own home. You finance the land, build the simplest possible dwelling (say a garage with 1 bathroom/bedroom), refi into a mortgage and get cash back and then build your ""real house"" or add on, etc. This eliminates the banks demands that come with a ""construction loan"" and saves you 10s of thousands in the process (fees, contractors, scheduling, design, etc)"

Inflation is basically this:  Over time, prices go up! I will now address the 3 points you have listed. Suppose over a period of 10 years, prices have doubled.  Now suppose 10 years ago I earned $100 and bought a nice pair of shoes.  Now today because prices have doubled I would have to earn $200 in order to afford the same pair of shoes.  Thus if I want to compare my earnings this year to 10 years ago, I will need to adjust for the price of goods going up.  That is, I could say that my $100 earnings 10 years ago is the same as having earned $200 today, or alternatively I could say that my earnings of $200 today is equivalent to having earned $100 10 years ago. This is a difficult question because a car is a depreciating asset, which means the real value of the car will go down in value over time. Let us suppose that inflation doesn't exist and the car you bought for $100 today will depreciate to $90 after 1 year (a 10% depreciation). But because inflation does exist, and all prices will be 0.5% higher in 1 years time, we can calculate the true selling price of the car 1 in year as follows: 0.5% of $90 = 0.005*90 = $0.45 Therefore the car will be $90 + $0.45 = $90.45 in 1 years time. If inflation is low, then the repayments do not get much easier to pay back over time because wages have not risen by as much.  Similarly the value of your underlying asset will not increase in value by as much. However as compensation, the interest rates on loans are usually lower when inflation is lower. Therefore generally it is better to get a loan in times of high inflation rather than low inflation, however it really depends on how the much the interest rates are relative to the inflation rate.

They had the loans insured.  The only way they could lose is if US gov't didn't bail out AIG.  The customers may have a high risk of default, but there was little risk of the banks losing their money.  Besides, like AnythingApplied says, those are the kinds of people they can charge all sorts of fees to, they're a fucking gold mine.


Question: When does it make financial sense to take advantage of employer's tuition reimbursement program?

"If you have decided to do the degree, and are simply deciding whether to accept employer funding for it or not, take the funding. I see no difference between ""my employer doesn't pay my tuition"" and ""my employer paid my tuition but I had to pay it back because I moved on"". Therefore there is no downside to letting them pay the tuition. If you want to move on before the two years (or whatever) is up, you pay back that interest free loan. You are still ahead over self funding the degree. If you have not decided to do the degree, and are letting the employer-funded tuition figure into your decision process, stop that right now. Doing a degree is hard work. You will either work much longer hours than you do now, or live on a lower salary, or more likely both. You might enjoy it, you might be worth more afterwards, and it might open the door to a raft of careers available only to those with the degree. The actual cost of the tuition is unlikely to be significant in this decision process. Removing it (by assuming the employer pays it) should still not be done. If it's worth doing when you self fund, then do it and relax knowing you won't feel trapped at your employer even if you let them pay it (or lend you the money for it if you end up leaving.)"

We stopped going because of their fast pass system. When I first came across this at Legoland I was intrigued but horrified by the price. The more I think of the implications the less I like it. Too much fluff and not enough movie.

Read the Forbes article titled IRA Adventures. While it's not the detailed regulations you certainly need, the article gives some great detail and caution. You may be able to do what you wish, but it must be structured to adhere to specific rules to avoid self dealing. Those rules would be known by the custodians who would help you set up the right structure, it's well buried within IRS regs, I'm sure. Last, in general, using IRA funds to invest in the non-traditional assets adds that other layer of risk, that the investment will be deemed non-allowed and/or self-dealing. So, even if you have the best business idea going, be sure you get proper council on this.

yeah but most likely, it's a 1x liquidation preference. The startup isn't going to generate cash flows enough to pay off the initial investment to the investor. Technically it isn't exactly specified as only triggered on a liquidation event because OP didn't specify the real legal language but it seems likely that's the case. Point 2 is exactly what a liquidation preference is. No way the owner of the company is participating in anything until the investor gets his initial investment back.

A bigger down payment is good, because it insulates you from the swings in the real estate market.  If you get FHA loan with 3% down and end up being forced to move during a down market, you'll be in a real bind, as you'll need to scrape up some cash or borrow funds to get out of your mortgage.

"This is the best tl;dr I could make, [original](https://hbr.org/2017/10/the-great-recession-drastically-changed-the-skills-employers-want) reduced by 91%. (I'm a bot) ***** > In recent research we investigate how the demand for skills changed over the Great Recession.  > In summary, we find that businesses more severely affected by the Great Recession were more likely to invest in new technology, and while this technology may have helped replace some forms of routine jobs, it apparently increased the demand for greater worker skills for other routine jobs.  > Public policy has yet to figure out how to reallocate workers on a large scale following a recession, or provide for training in the new skills demanded by employers, but the need to do so is likely only to grow.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/77hsq1/the_great_recession_drastically_changed_the/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~231561 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*: **skill**^#1 **job**^#2 **Recession**^#3 **technology**^#4 **change**^#5"

It just states that the price doesn't justify the valuation which is not a factual statement. Also this is based on someones opinion of the companies P/E. The P/E was published and public information and idiots on both the buy and sell side jumped in.   The article does not make a factual claim about Fraud (cooking the books), Francine McKenna speculates that management  and auditors cooked the books.

Aeroprop, is one of the pinnacle leading propeller manufacturer organisation, who've greater than sixty five years of experience, along with all these items we carry out a huge range of Non-Destructive Testing inclusive of magnetic particle and eddy modern inspections, We test on housing gadgets propellers and different additives to come across microscopic cracks  or flaws that cannot be unseen through the naked eye.The Aeroprop Prop Cylinder Flush focused on first-class one product line, so whether or not it’s a 2-blade metallic propeller or a 6-blade composite device, our understanding of Hartzell plane propellers is remarkable. If you name for the super in your plane, don’t accept whatever a great deal much less. Aeroprop has been the leader in aircraft Hartzellpropeller structures for nearly a century.


Question: Is Peter Lynch talking about the Dividend Adjusted PEG Ratio in this quote?

Essentially, yes, Peter Lynch is talking about the PEG Ratio. The Price/Earnings to Growth (PEG) Ratio is where you take the p/e ratio and then divide that by the growth rate (which should include any dividends).  A lower number indicates that the stock is undervalued, and could be a good buy. Lynch's metric is the inverse of that: Growth rate divided by the p/e ratio.  It is the same idea, but in this case, a higher number indicates a good value for buying. In either case, the idea behind this ratio is that a fairly priced stock will have the p/e ratio equal the growth rate.  When your growth rate is larger than your p/e ratio, you are theoretically looking at an undervalued stock.

http://www.wuug.org/read.php?13,11584 http://www.wuug.org/read.php?13,11583 http://www.wuug.org/read.php?13,11582 http://www.wuug.org/read.php?13,11581 http://www.wuug.org/read.php?13,11580 http://www.wuug.org/read.php?13,11579 http://www.wuug.org/read.php?13,11578 http://www.wuug.org/read.php?13,11577 http://www.wuug.org/read.php?13,11576 http://www.wuug.org/read.php?13,11575 http://www.wuug.org/read.php?13,11574 http://www.wuug.org/read.php?13,11573 http://www.wuug.org/read.php?13,11572 http://www.wuug.org/read.php?13,11571 http://www.wuug.org/read.php?13,11570 http://www.wuug.org/read.php?13,11569 http://www.wuug.org/read.php?13,11568 http://www.wuug.org/read.php?13,11567 http://www.wuug.org/read.php?13,11566 http://www.wuug.org/read.php?13,11565 http://www.wuug.org/read.php?13,11564 http://www.wuug.org/read.php?13,11563 http://www.wuug.org/read.php?13,11562 http://www.wuug.org/read.php?13,11561 http://www.wuug.org/read.php?13,11560 http://www.wuug.org/read.php?13,11559 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Why is Facebook a favorite pick among business owners? Easy, with its growing popularity as the most visited social network, Facebook provides a viable platform to start, sustain a seller-buyer and create relationship. Facebook makes it to the top list among business owners whose aim is not only to gain a wide market outreach, but also to create and sustain a closer, intimate relationship with actual and potential customers on the web. So, what makes Facebook marketing for business the best online tool? Because it works in four ways ...

Your current web-site is fairly quickly growing to be certainly one of my top feature. So, I just stumbled on creative weblog and I just need to state that this amazing is a nice blog post. Bless you pertaining to this kind of knowledge.

Because most people can barely manage to operate a can opener, let alone do anything worthwhile, so these retards are upset because they think they're something special and they're probably garbage men posing online as special forces MBAs or some shit.  The downvote is probably proof that I'm right more than anything.

It's got nothing to do with whether or not it's true or painful.  It's about intelligence, or more accurately, the lack thereof.  Your comment was incredibly stupid and showed all the wisdom and maturity of a middle-school student on the short bus.  It was so stupid that my stupid-ometer broke trying to measure it.  How do you even manage to tie your shoes in the morning, you fucking idiot?

The product descriptions for FFA swaps and options can be found here:  http://www.lchclearnet.com/freight/ffas/products.asp The index (e.g. the BFA) is based on the settlement prices of the P2, P2A, and C4 contracts and the panamax TC routes.  As such it's just a performance index and replicates the returns you'd get from holding a portfolio of the constituents. I think from the clearing descriptions everything should be clear.  The wording in the link on the Baltic Exchange website is a bit nebulous.  I think they mean standardised instead of specified.  Because that's what sets the FFABA apart from OTC agreements or OTC spot markets. Edit: For more information on financial instruments in general see the Handbook of Financial Instuments.  I haven't got the latest edition but I doubt he will mention FFAs, CFSAs, or anything that's specific to maritime markets but after all they're just plain forward agreements over a not-so-common underlying.

I ignored nothing. Click the Wikipedia link I provided, sort by UN R/P 10%, in descending order. Now look at the top 30. Overlap with the top 30 on the [HDI](http://en.wikipedia.org/wiki/List_of_countries_by_Human_Development_Index)? Zero.  As for your anecdote... the fact that you try to justify a sweeping statement about *international economics throughout history* - and one that happens to contradict just about every piece of data in existence - by talking about your own, personal experiences gives me the distinct impression that talking economics with you might just be a waste of time.


Question: What effect does a company's earnings have on the price of its stock?

"No, the stock market is not there for speculation on corporate memorabilia.  At its base, it is there for investing in a business, the point of the investment being, of course, to make money.  A (successful) business earns money, and that makes it valuable to its owners since that money can be distributed to them.  Shares of stock are pieces of business ownership, and so are valuable.   If you knew that the business would have profit of $10,000,000 every year, and would distribute that to the owners of each of its 10,000,000 shares each year, you would know to that each share would receive $1 each year.  How much would such a share be worth to you?  If you could instead put money in a bank and get 5% a year back, to get $1 a year back you would have to put $20 into the bank.  So maybe that share of stock is worth about $20 to you.  If somebody offers to sell you such a share for $18, you might buy it; for $23, maybe you pass up the offer. But business is uncertain, and how much profit the business will make is uncertain and will vary through time.  So how much is a share of a real business worth?  This is a much harder call, and people use many different ways to come up with how much they should pay for a share.  Some people probably just think something like ""Apple is a good company making money, I'll buy a share at whatever price it is being offered at right now.""  Others look at every number available, build models of the company and the economy and the risks, all to estimate what a share might be worth, more or less.  There is no indisputable value for a share of a successful business. So, what effect does a company's earnings have on the price of its stock?  You can only say that for some of the people who might buy or sell shares, higher earnings will, all other thing being equal, have them be willing to spend more to buy it or demand more when selling it.  But how much more is not quantifiable but depends on each person's approach to the problem.  Higher earnings would tend to raise the price of the stock.  Yet there are other factors, such as people who had expected even higher earnings, whose actions would tend to lower the price, and people who are OK with the earnings now, but suspect trouble for the business is appearing on the horizon, whose actions would also tend to lower the price. This is why people say that a stock's price is determined by supply and demand."

This is a good example of the hellish cycle of dictatorship and corruption.  It happens time and time again: a dictator strangles the country and its institutions for years. He finally dies/gives up power and those in line behind him quickly start attacking the remnants of his family and regime. But are they doing it for the good of the country or for their own benefit, so that they can expunge the previous regime only to get their own iron grip on power?  On the one hand, prosecuting a corrupt regime is necessary. On the other hand, it only brings up lasting positive results if it's because the free, independent institutions are actually acting in the public interest rather than to allow a new regime to establish total power.  At the end of the day this shows one thing: people don't matter, what matters are processes, laws, and institutional independence.  As long as the country's institutions are vulnerable, the people at the top will change but the way the country is run will not.  Time will tell which one it is in Uzbekistan.

Not all cars but just those < $25k (Skoda, Nissans, VW, Ford, Renault )!! Economic class vehicles, which basically are driven by the middle class.   While elite automobiles (anything above this) and to pleasure of the oligarchs and politicians, will continue to pour in. So in the <$25k segment either Russian built or from non-sanctioned nations (S.Korea-? and China), the prices will obviously inflate dramatically with the decrease in supply.   The poor and middle class are the only ones going to suffer with this. This fucking economics 101, if not common-sense !!! Either they are too stupid to realize this or this is just some machiavelic plan !!  edit: [В Госдуме сообщили о возможном запрете на ввоз авто дешевле 800 тысяч рублей](http://lenta.ru/news/2014/08/19/avto/) -- The State Duma has reported a possible ban on the import of cheaper car 800 thousand rubles

"Sure my dude. I'm not disagreeing with them being irrelevant outliers in terms of this data, I'm just disagreeing with you saying ""lottery"" like they didn't have to put any effort in. Becoming a pro athlete is a shit ton of work"

Unfortunately when you deal with options you are going to have to accept some exposure to your greeks. So in your example, you could just buy back month ATM calls. Although delta is going to be pretty static across your portfolio (at least for say the first year, depending on ultima/zomma and other third order greeks) which will keep your lambdas in check, you're still exposed to vega which will ultimately skew lambdas across the board.   Such are the caveats of options - in order to obtain leverage you will need to take a *less* passive outlook, but not by much.

"Careful with the ""stock stolen from your account"" thing.  SIPC protects investors against broker/dealer insolvency.  Don't think they provide protection against theft."

Here's an Irish government publication that should give you some background information to get you started. In a nutshell, you get tax benefits, but cannot withdraw money without penalty until you reach retirement age.

Take a look at this: http://code.google.com/p/stock-portfolio-manager/ It is an open source project aimed to manage your stock portfolio.


Question: How to share income after marriage and kids?

"My suggestion would be that you're looking at this the wrong way, though for good reasons.  Once you are a family, you should - and, in most cases I've seen, will - think of things differently than you do now. Right now, your post above is written from a selfish perspective.  Not to be insulting, and not implying selfish is a bad thing - I don't mean it negatively.  But it is how you're defining this problem: from a self-interested, selfish point of view.  ""Fair"" and ""unfair"" only have meaning from this point of view; something can only be unfair to you if you come from a self-centered viewpoint. Try to think of this from a family-centric viewpoint, and from your significant other's point of view. You're absolutely right to want both of you to be independent financially as far as is possible; but think about what that means from all three points of view (your family's, yours, and hers)? Exactly what it means will depend on the two of you separately and together, but I would encourage you to start with a few basics that make it likely you'll find a common ground: First of all, ensure your significant other has a retirement account of her own that is funded as well as yours is.  This will both make life easier if you split up, and give her a safety net if something happens to you than if you have all of the retirement savings.  I don't know how your country manages pensions or retirement accounts, but figure out how to get her into something that is as close to equal to yours as possible. Make sure both of you have similar quality credit histories.  You should both have credit cards in your own names (or be true joint owners of the accounts, not just authorized users, where that is possible), and both be on the mortgage/etc. when possible.  This is a common issue for women whose spouse dies young and who have no credit history.  (Thanks @KateGregory for reminding me on this one) Beyond that, work out how much your budget allows for in spending money for the two of you, and split that equally.  This spending money (i.e., ""fun money"" or money you can do whatever you like with) is what is fundamentally important in terms of financial independence: if you control most of the extra money, then you're the one who ultimately has control over much (vacations, eating out, etc.) and things will be strained.  This money should be equal - whether it is literally apportioned directly (each of you has 200 a month in an account) or simply budgeted for with a common account is up to you, whatever works best for your personal habits; separate accounts works well for many here to keep things honest. When that money is accounted for, whatever it is, split the rest of the bills up so that she pays some of them from her income.  If she wants to be independent, some of that is being in the habit of paying bills on time.  One of you paying all of the bills is not optimal since it means the other will not build good habits.  For example, my wife pays the warehouse club credit card and the cell phone bill, while I pay the gas/electric utilities. Whatever doesn't go to spending money and doesn't go to the bills she's personally responsible for or you're responsible for (from your paycheck) should go to a joint account.  That joint account should pay the larger bills - mortgage/rent, in particular - and common household expenses, and both of you should have visibility on it.  For example, our mortgage, day-care costs, major credit card (which includes most of our groceries and other household expenses) come from that joint account. This kind of system, where you each have equal money to spend and each have some household responsibilities, seems the most reasonable to me: it incurs the least friction over money, assuming everyone sticks to their budgeted amounts, and prevents one party from being able to hold power over another. It's a system that seems likely to be best for the family as a unit.  It's not ""fair"" from a self-centered point of view, but is quite fair from a family-centered point of view, and that is the right point of view when you are a family, in my opinion. I'll emphasize here also that it is important that no one party hold the power, and this is set up to avoid that, but it's also important that you not use your earning power as a major arguing point in this system.  You're not ""funding her lifestyle"" or anything like that: you're supporting your family, just as she is.  If she were earning more than you, would you cut your hours and stay at home?  Trick question, as it happens; regardless of your answer to that question, you're still at the same point: both of you are doing the thing you're best suited for (or, the thing you prefer).  You're both supporting the family, just in different ways, and suggesting that your contribution is more valuable than hers is a great way to head down the road to divorce: it's also just plain incorrect.  My wife and I are in almost the identical situation - 2 kids, she works part time in the biological sciences while spending plenty of time with the kids, I'm a programmer outearning her significantly - and I can tell you that I'd more than happily switch roles if she were the bread earner, and would feel just as satisfied if not more doing so. And, I can imagine myself in that position, so I can also imagine how I'd feel in that position as far as how I value my contribution."

Never borrow money to get a tax deduction. Even 18 months interest free is a stupid risk to save a few $ in taxes (we're talking $1K or less in tax savings from what I can tell in your questions).

Shop Navratri Ethnic clothing for women at discounted prices at ethnic-rack.com. Free Shipping on order over $99. Use Coupon FESTIVE13 (for 13% off), FESTIVE17 (for 17% off), and FESTIVE20 (for 20% off). HURRY UP OFFER FOR LIMITED TIME PERIOD. Grab the Opportunity.

"When you buy a put option, you're buying the right to sell stock at the ""strike"" price. To understand why you have to pay separately for that, consider the other side of the transaction. If I agree to trade stock for money at above market rates, I need to make up the difference somewhere or face bankruptcy.  That risk of loss is what the option price is about. You might assume that means the market expects the price of AMD to fall to 8.01 from it's current price of 8.06 by the option expiration date. But that would also mean call options below the market price is worthless. But that's not quite true; people who price options need to factor in volatility, since things change with time. The price MIGHT fall, and traders need to account for that risk. So 1.99 roughly represents the probability of AMD rising to 10. There's probably some technical analysis one can do to the chain, but I don't see any abnormality of AMD here."

"US-Australian tax treaty limits the tax the US can levy on interest payments to Australian residents at 10%. However, that is the ""worst"" situation. There are several exempted situations which your specific example may fall into where you wouldn't need to deal with the US taxes at all. I suggest contacting a tax accountant proficient in that treaty and the Australian tax law. You will still be obviously paying taxes in Australia."

Eh, Five Guys just isn't that good.  Of course it is better than places like McDonalds and I haven't stepped foot in a McDonalds in at least 10 years. But why would I go to Five Guys when I can choose from at least 10 other burger joints in my area that make a much better burger for the same price or cheaper.  If anything Five Guys appeals to the people that don't know what they want and have been going to McDonalds their whole lives.

You will have no problem doing this for one home and living in it for one or two years.  There's a recent court case with around six homes bought and sold by the same person in that time frame.  That's what you've probably heard about.  There's no hard and fast rule about when it becomes a business but here are some highlights from that court case. Among the criteria developed by the case law, the following are of   note: Constantin v. The Queen, 2014 TCC 327 (CanLII)

Despite a fair number of views, no one besides @mbhunter answered, so I'll gather the findings of my own research here. Hopefully, this will help others in similar situations. If you spot any errors, please let me know!


Question: Limits and taxation of receiving gift money, in India, from a friend in Italy?

"He wants to send me money, as a gift. Do you know this friend? It could easily be a scam. What I don't know is that how much money can he send and what are the taxes that would be applicable in this case? There is no limit; you have to pay taxes as per your tax brackets. This will be added as ""income from other sources"". I'll probably be using that money to invest in stock market. If the idea is you will make profits from stock market and pay this back, you need to follow the Foreign Exchange Management Act. There are restrictions on transfer of funds outside of India."

"Firstly, it isn't so generous.  It is a win-win, but the bank doesn't have to mail me a free box of checks with my new account, or offer free printing to compete for my business.  They already have the infrastructure to send out checks, so the actual cost for my bank to mail a check on my behalf is pretty minimal.  It might even save them some cost and reduce exposure.  All the better if they don't actually mail a check at all. Per my bank Individuals and most companies you pay using Send Money will be mailed   a paper check. Your check is guaranteed to arrive by the delivery date   you choose when you create the payment. ... A select number of companies–very large corporations such as telecoms,   utilities, and cable companies–are part of our electronic biller   network and will be paid electronically. These payments arrive within   two business days... So the answer to your question depend on what kind of bill pay you used.  If it was an electronic payment, there isn't a realistic possibility the money isn't cashed. If your bank did mail a paper check, the same rules would apply as if you did it yourself.  (I suppose it would be up to the bank.  When I checked with my bank's support this was their answer.) Therefore per this answer: Do personal checks expire? [US] It is really up to your bank whether or not they allow the check to be cashed at a later date.  If you feel the check isn't cashed quickly enough, you would have to stop payment and contact whoever you were trying to pay and perhaps start again.  (Or ask them to hustle and cash the check before you stop it.) Finally, I would bet a dime that your bank doesn't ""pre-fund"" your checks.  They are just putting a hold on the equivalent money in your account so you don't overdraw.  That is the real favor they do for you.  If you stopped the check, your money would be unfrozen and available. EDIT Please read the comment about me losing a dime; seems credible."

One problem with that idea: companies don’t set out to cure a particular disease. They try various ideas to see what does what and sometimes hit on something. That sort of aimless wandering often helps in other areas and isn’t reproduced in the x-prize scenario.

thank you for your reply. I agree that many of the 'smart drugs' that are out there are dangerous and well overused. But i feel nootropics, like lion's mane, l-theanine, and huperzine A are all pretty safe and able to help with some of the problems we face in modern work life.

That's 100% correct. There is a long anthropological legacy of Chiefs destroying wealth as a display of power. The famous example for us American folk is potlatch ceremonies where Cheifs burned of buicks (cars). It was used as a rationale for Congress/department of Indian Affairs to renege on signed treaties.  https://en.wikipedia.org/wiki/Potlatch

"There are healthy people and there are sick people. Each are that way because of their genetics, behavior, and (somewhat) luck.   To some extent health insurance is insurance, and covers that luck... But mostly the Affordable Care Act and healthCare.gov are about health care... It's a scheme to allocate burdens, not to insure against risk.   Healthy people dont think this is fair. ""When I invest time at the gym, invest money and time on healthy food, invest in learning healthy habits... And someone else doesn't... Why should I have to pay for their heart replacement? The freerider chooses to risk heart disease while I foot their bill, I pay twice prevention for myself and a cure for him, while he increases the cost for us all. ""  Genetics is a touchy subject, but... if someone has a hugely expensive heridatible disease... Should that person and their spouse bear the burdens of having and raising their kids? If they can't afford to do so, should the rest of society have to take money away from their own families to finance that family's reproduction?"

"According to the Fair Credit Reporting Act: any consumer reporting agency may furnish a consumer report [...] to a person which it has reason to believe [...] intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and   involving the extension of credit to, or review or collection of an account of, the consumer See p12 (section 604). The usual interpretation of this that I've heard is that a debt collection agency that owns or has been assigned a debt can make hard pulls on your credit report without your consent. This link seems to support that (and references the same part of the act, among others): According to the Fair Credit Reporting Act, [...], any business can access your credit history without your permission provided the business has a valid ""permissible purpose."" The FCRA notes that one such permissible purpose is to review your credit information in connection with the collection of a debt. Thus, if you owe money to a debt collector, the debt collector has the legal right to pull and review your credit report. If they haven't been assigned the debt or own it outright, I believe you have a legal right to dispute it. Consult a lawyer if this is actually a situation you face.  Once use for this is if the debt collection agency has trouble locating you; since your credit report normally contains current and past addresses, this is one way to locate you."

1: Gambling losses not in excess of gambling winnings can be deducted on Schedule A, line 28.  See Pub 17 (p 201).  Line 28 catches lots of deductions, and gambling losses are one of them.  See Schedule A instructions. 2: If the Mississippi state tax withheld was an income tax (which I assume it was), then it goes on Schedule A, line 5a.  In the unlikely event it was not a state or local tax on income, but some sort of excise on gambling, then it may be deductible on line 8 as another deductible tax.  It probably is not a personal property tax, which is generally levied against the value of things like cars and other movable property but not on receipts of cash; line 7 probably is not appropriate.  The most likely result, without researching Mississippi SALT, is that it was an income tax.  See Sched A Instructions for more on the differences between the types of taxes paid. Just to be clear, these statements hold if you are not engaging in poker as a profession.  If you are engaging in poker as a business, which can be difficult to establish in the IRS' eyes, then you would use Schedule C and also report business and travel expenses.  But the IRS is aware that people want to reduce their gambling income by the cost of hotels and flights to casinos, so it's a relatively high hurdle to be considered a professional poker player.


Question: One Share Stock Reverse Split

Any time there is a share adjustment from spin-off, merger, stock split, or reverse slit; there is zero chance for the stockholders to hang on to fractional shares. They are turned into cash.   For the employees in the 401K program or investors via a mutual fund or ETF this isn't a problem. Because the fraction of a share left over is compared to the thousands or millions of shares owned by the fund as a collective. For the individual investor in the company this can be a problem that they aren't happy about.  In some cases the fractional share is a byproduct that will result from any of these events. In the case of a corporate merger or spin-off most investors will not have an integer number of shares, so that fraction leftover that gets converted to cash isn't a big deal. When they want to boost the price to a specific range to meet a regulatory requirement, they are getting desperate and don't care that some will be forced out. In other cases it is by design to force many shareholders out. They want to go private. They to 1-for-1000 split. If you had less than 1000 shares pre-split then you will end up with zero shares plus cash. They know exactly what number to use. The result after the split is that the number of investors is small enough they they can now fall under a different set of regulations. They have gone dark, they don't have to file as many reports, and they can keep control of the company.  Once the Board of Directors or the majority stockholders votes on this, the small investors have no choice.

With the formula you are using you assume that the issued bond (bond A) is a perpetual. Given the provided information, you can't really do more than this, it's only an approximation.  The difference could be explained by the repayment of the principal (which is not the case with a perpetual). I guess the author has calculated the bond value with principal repayment.  You can get more insight in the calculation from the excel provided at this website: http://breakingdownfinance.com/finance-topics/bond-valuation/fixed-rate-bond-valuation/

USPS has a much more complicated business then delivering packages. It also provides many more benefits to employees than something like FedEx. FedEx and UPS would figure out how to deliver a letter, but if you think they are going to your house everyday for the cost of a stamp you are mistaken.

If you get your income in the currency you have the new loan in, there is no exchange risk for the future. Assuming that you are able to get and serve that loan, it reduces your cost, so go for it. Yes, if the currency exchange rate changes the right way over the next years, you could have made a better deal - but consider it could also go the other way. If you really want to play this game, do it separately, by trading calls/puts on the currency exchange rate. See it as a separate and decoupled investment option.

I know, I also didn't do it justice. The guy came up with an attitude to start something. Like he was going to show us.   I'm not the one to flip out on service people. I also have worked my entire career over 20 years in the service industry. So I know what it's like to get shit on as a service person. I just have little tolerance for uncalled for hostility.

"This is the best tl;dr I could make, [original](https://www.theguardian.com/environment/climate-consensus-97-per-cent/2017/aug/07/fossil-fuel-subsidies-are-a-staggering-5-tn-per-year) reduced by 89%. (I'm a bot) ***** > According to the authors, these subsidies are important because first, they promote fossil fuel use which damages the environment.  > The authors then quantify what benefits would be achieved if the fossil fuel subsidies were reformed.  > A key motivation for the paper was to increase awareness among policy makers and the public of the large subsidies that arise from pricing fossil fuels below their true social costs-this broader definition of subsidies accounts for the many negative side effects associated with the consumption of these fuels.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6t15pc/fossil_fuel_subsidies_are_a_staggering_5_tn_per/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~188614 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*: **subsidy**^#1 **fuel**^#2 **Fossil**^#3 **authors**^#4 **cost**^#5"

Federal income taxes are indeed expenses, they're just not DEDUCTIBLE expenses on your 1120. Federal Income Tax Expense is usually a subcategory under Taxes. This is one of the items that will be a book-to-tax difference on Schedule M-1. I am presuming you are talking about a C corporation, as an S corporation is not likely to be paying federal taxes itself, but would pass the liability through to the members. If you're paying your personal 1040 taxes out of an S-corporation bank account, that's an owner's draw just like paying any of your personal non-business expenses. I would encourage you to get a tax professional to prepare your corporate tax returns. It's not quite as simple as TurboTax Business makes it out to be. ;) Mariette IRS Circular 230 Notice: Please note that any tax advice contained in this communication is not intended to be used, and cannot be used, by anyone to avoid penalties that may be imposed under federal tax law.

"I didn't bother looking for actual errors. Couldn't get through the distorted text. That guy could write a story about the ""bestest thing in the world"" and make it seem like the incarnation of evil.   It's just way too slanted to be taken at face value."


Question: What does a contract's worth mean?

The amount stated is the total amount of money the customer will be paying to the company. How much profit that will translate into is dependent on the type of contract.  Some types of contracts: Cost plus fixed fee: they are paid what it costs to complete the contract plus a fee on top of that. That fee represents their profits. The costs will include salary, benefits, overhead, equipment, supplies. Firm fixed price: They perform the service, and they get paid a fixed amount. If their costs are higher than they forecast, then they may lose money. If they can be more efficient than they forecast, then they make more money. Time and materials: They are paid for completing each sub-task based on the number of hours it takes to complete each sub task, plus materials. This is used to hire a company to maintain a fleet of trucks. If the trucks are used a lot they will need more standard maintenance, plus additional repairs based on the type of use. They pay X for labor and Y for materials for an oil change, but A for labor and B for materials for a complete engine rebuild.  There are many variations on these themes. Some put the risk on the customer, some on the company.  How and when the company is paid is based on the terms of the contract. Some pay X% a month, others pay based on meeting milestones. Some pay based on the number of tasks completed in each time period. Some contracts run for a specific period of time, others have an initial period plus option years. The article may or may not specify if the quoted amount is the minimum amount of the contract or the maximum amount. The impact on the stock price is much more complex. Much more needs to be known about the structure of the contract, and who will be providing the service to determine if there will be profits. Some companies will bid to lose money, if it will serve as a bridge to another contract or to fill a gap that will allow them to delay layoffs.

"Read the terms by your Travel Card issuer. Travel Card cannot be used to transfer USD to an Indian Bank Account. You have to spend outside India and if there is a balance you have to request the card issuers in writing for a refund Salaries should not be credited on ""Travel Card"""

Deming Electro Plating Corporation specializes in all types of electroplating and surface finishing services in New York. We provide high quality metal finishing work using top grade materials. With over 60 years of experience in electroplating services we provide fastest turnaround time on all types of finishing work. Our wide range of electroplating services includes gold plating, silver plating, nickel and chrome plating, aluminium and zinc plating and much more.

Depends on how you look at it. If it's a flaw in the specific methodology needed to count Twitter users, and if that flaw caused duplicate counts of some segments (or failure to remove duplicate instances if you prefer that), it could cause consistent overstatement.  With that said, I'm sure they did it on purpose

Cooking cheaply is time consuming. We cook cheaply, but we take more time to do it. May be hard for a busy family.  If you cook everything from scratch, it's usually a lot cheaper. Also pre-planning meals helps.  If you can coordinate your ingredients, you can save money.  Saving money takes time and practice. I find that when we're rushed, we waste a lot more food than when we properly take the time required.

"OK, I found this filing by JCI on the SEC website: U.S. Federal Income Tax Consequences of the Distribution to U.S. Holders For U.S. federal income tax purposes, the distribution will not be eligible for treatment as a tax-free distribution by Johnson Controls with respect to its stock. Accordingly, the distribution will be treated as a taxable distribution by Johnson Controls to each Johnson Controls shareholder in an amount equal to the fair market value of the Adient ordinary shares received by such shareholder (including any fractional shares deemed received and any Adient ordinary shares withheld on account of any Irish withholding taxes), determined as of the distribution date (such amount, the ""Distribution Amount""). The Distribution Amount received by a U.S. holder will be treated as a taxable dividend to the extent of such U.S. holder's ratable share of current or accumulated earnings and profits of Johnson Controls for the taxable year of the distribution (as determined under U.S. federal income tax principles). Any portion of the Distribution Amount that is treated as a dividend will not be eligible for the dividends-received deduction allowed to corporations under the Code. My broker's 1099-B form tells me that I received a Qualified Dividend from JCI on 10/31/2016 of $512.44, which would be equivalent to $45.349 valuation of ADNT as of the spinoff date for my 11.3 shares (before the 0.3 shares were sold as cash-in-lieu) ."

If it is a business loan, the borrower would be able to claim a deduction for any interest paid on the loan and the lender would include the interest earned as part of their taxable income. You need to be careful on what you do and don't include as income. If the repayments made to you by the borrower in a year is $10,000 but only $8,000 of that is interest and the other $2,000 is part of the principal being returned to the lender, then you would only claim $8,000 as your income and the borrower would only claim $8,000 as a business deduction. Of course if it is interest only, then you and the borrower would use the full $10,000.

blockchain technology does not seem to be the focal point in their startup, which usually should be when there is an ICO. A lot of the things that they say blockchain could enable them to do, could be done with a centralised database. They have a pretty experienced team in real estate though , it looks like they are using the ICO simply as an easy method of raising capital than having an innovative use of the blockchain token


Question: Should I use a credit repair agency?

Repairing your credit takes time. Companies that offer to do it for you (for money) generally succeed mostly at getting money from you. Nonprofit agencies will help you with advice and encouragement and will not want money from you.  They may be able to help you apply for a consolidation loan, but to be honest that is rarely the best first step. Over time, you need to The last step may happen months or years after the first two.

what other pieces of info should I consider If you don't have liquid case available for unexpected repairs, then you probably don't want to use this money for either option.  The 7% return on the stocks is absolutely not guaranteed. There is a good amount of risk involved with any stock investment. Paying down the mortgage, by contrast, has a much lower risk. In the case of the mortgage, you know you'll get a 2.1% annual return until it adjusts, and then you can put some constraints on the return you'll get after it adjusts. In the case of stocks, it's reasonable to guess that it will return more than 2.1% annually if you hold it long enough. But there will be huge swings from month to month and from year to year. The sooner you need it, the more guaranteed you will want the return to be. If you have few or no stock (or bond)-like assets, then (nearly) all of your wealth is in your house, and that is independent of the remaining balance on your mortgage. If you are going to sell the house soon, then you will want to diversify your assets to protect you against a drop in home value. If you are going to stay in the house forever, then you will eventually need non-house assets to consume. Ultimately, neither option is inherently better; it really depends on what you need.

Schedule E is the form you'll use. It lists nearly all deductions you can take for a rental. TurboTax Deluxe will handle it and it includes State Filing.

Sure they do, but there's no point getting into a bidding war with the machines: it just becomes a question of whether you lose this year or next.   Employers love to use minimum wage disputes as a smokescreen for cutting labor when they automate the jobs they were going to automate anyway.

Honestly, I’m not sure I understand your point. The figures suggest to me that the business invests (higher capex and amortisation) and grows it’s revenues and cash flow.  D&A can be higher than new capex for a number of reasons including accelerated amortisation for tax purposes.  Why is D&A contribution (actually i prefer to separate the concepts of P&L and cash flow) to operating cash flow a problem or why does it evidence manipulation?

I'd look at VXX, I believe it closely tracks what you are looking to do. http://www.ipathetn.com/product/VXX/ However, as already noted in other responses, this isn't trading VIX itself (in fact it is impossible to do so).  Instead, this ETF gives exposure to short-term SP500 futures contracts, which in theory should be very correlated to market volatility.

I'll break it down into steps. Total gain/ loss for the whole thing is 5 CAD. You only have to worry about these calculations if you keep some USD and convert it at your leisure.  Or if you have a US dollar in your wallet from your last vacation. Don't forget to subtract commissions (converted to CAD of course). *Some people just use an average exchange rate for the whole year, which you can also get from the BoC. ^There's $200 of tax free gains allowed for pure currency transactions.  This allows small gains to be ignored.

"No, not on schedule C, better. Its an ""above the line"" deduction (line 29 on your 1040). Here's the turbo tax article on it. The instructions for this line set certain limitations that you must take into the account, and yes - it is limited to the net profit from the business. One of the following statements must be true. You were self-employed and had a net profit for the year. You were a partner with net earnings from self-employment. You used one of the optional methods to figure your net earnings from self-employment on Schedule SE. You received wages in 2011 from an S corporation in which you were a more-than-2% shareholder. Health insurance premiums paid or   reimbursed by the S corporation are shown as wages on Form W-2. The insurance plan must be established under your business. Your   personal services must have been a material income-producing factor in   the business. If you are filing Schedule C, C-EZ, or F, the policy can   be either in your name or in the name of the business."