Question: Buying a multi-family home to rent part and live in the rest

"The biggest question is do you want to be a landlord? There are a lot of ups and down to managing property from bad tenants to having to fix a water heater or replace a fridge.   If you aren't interested in being a landlord, it is definitely a bad idea.   If you do want to be a landlord, then the question is how close do you want to be to your tenants?   What if they are up late making noise, etc.?   What if they watch TV all night and you hear it through the walls?   What is your plan?   You ask if people have trouble ""sharing"" a house.   If you are the landlord and the other party the tenant, then you aren't ""Sharing"", you are leasing.   It's a different relationship with different strains."

"Defining risk tolerance is often aided with a series of questions. Such as - You are 30 and have saved 3 years salary in your 401(k). The market drops 33% and since you are 100% S&P, you are down the same. How do you respond?  (a) move to cash - I don't want to lose more money. (b) ride it out. Keep my deposits to the maximum each year. Sleep like a baby.  A pro will have a series of this type of question. In the end, the question resolves to ""what keeps you up at night?"" I recall a conversation with a coworker who was so risk averse, that CDs were the only right investment for her. I had to explain in painstaking detail, that our company short term bond fund (sub 1 year government paper) was a safe place to invest while getting our deposits matched dollar for dollar. In our conversations, I realized that long term expectations (of 8% or more) came with too high a risk for her, at any level of her allocation. Zero it was."

I do this very thing, but with asset allocation and risk parity in mind. I disagree with the cash or bust answers above, but many of the aforementioned facts are valuable and I don't mean to undermine them in anyway. That said, let's look at two examples: Option 1: All-in For the sake of argument let's say you had $100k invested in the SPY (S&P 500 ETF) in early 2007, and you kept it there until today. Your lowest balance would have been about $51k, and at this point the possibility of you losing your job was probably at a peak. Today you would be left with $170k assuming no withdrawal. Option 2: Risk Parity BUT if you balanced your investments with a risk parity approach, using negatively correlated asset classes you avoid this dilemma. If you had invested 50% in XLP (Consumer Staples Sector ETF) and 50% in TLT ( Long Term Treasury ETF) your investments low point would have been $88k, and your lowest annual return would be +0.69%. Today you would be left with $214k assuming no withdrawals.  I chose option #2 and it hasn't failed me yet, even in 2016 so far the results are steady and reliably given the reward. My general opinion is simple: when you have money always grow it. Just be sure to cover your ass and prepare for rain. Backtesting for this was done at portfoliovisualizer.com, the one caveat to this approach is that inflation and a lack of international exposure are a risk here.

Shop around for a bank that offers lower/no fees for this operation and move your account there...  or, yes, change where the direct deposit is routed... or move these accounts into a single bank so it's an internal transfer rather than ACH. Or ask the bank whether there is another way to arrange this which doesn't cost you money. (It costs me nothing to move money within my credit union, whether manually or on a scheduled basis. It costs me nothing to have them send funds to another entity from my checking account. Specific example: Pay comes into my savings account. On the 27th, an automatic transfer moves the cost of a mortgage payment from savings to checking. On the 30th, an automatic payment sends that to my mortgage in another bank. No fees on any of this, 100% reliable.)

> What kinda skill set is it that they can't find in a population of 300 million plus?  The skill set where they work for half the market salary and are scared of complaining about working conditions so they don't get thrown out of the country.

Jez, i didn't know their export market was so bad.Down 85% in some areas.   I used to have a lot of Japanese electronics. Now I only have a Sony Blue Ray player that hooks to my  KoreanTV. It isn't near as good as the similar Apple TV and Sony has no way (unlike Apple) to get money from movie purchases, songs etc. It looks like they have even worse crony capitalism than the US. Older people ripping off the younger folks who don't have a future - all to keep a huge bubble from bursting.  Anyone know much about the story of Japanese organized crime threatening to kill the British exec who found accounting fraud? What a mess.

I once saw Kelly on a Yahoo show and I had no idea who she was. After visiting this website, I now know that she is great personal stylist who is also a talented host. I was also impressed by this particular site on her website: http://www.kellylundberg.co/kelly-lundberg-show-reel/

You mean at what point would my mom and I agree to stop paying before I made myself and my own family destitute?  Not to mention, you're completely ignoring the selfishness of my desire to keep my mom through the suffering her disease inflicts on her.


Question: Should I pay cash or prefer a 0% interest loan for home furnishings?

There are several issues with paying for furniture and appliances with 0% credit instead of paying with cash. When you pay with 0% credit, you might be tempted to spend more on something than you would have if you paid with cash, because it feels like free money, and you've justified in your mind that the extra you earn will help pay for the more expensive item. Businesses don't offer 0% credit for free, and they don't lose money on the deal.  When you shop at a store that offers 0% credit, you are generally overpaying for the item.  By shopping at a store that does not offer 0% credit, you might be able to get a better price. Your savings account is likely earning very little interest.  You might invest the money you intend for your purchases in a place that gets better returns, but in most of these places the returns are not guaranteed, and you might not do as well as you think. 0% loans typically come with lots of conditions that have very heavy penalties and interest rate hikes for late payments.  You can mitigate this risk by setting up automatic payments, but things can still go wrong.  Your bank might change your account number, making the automated payment fail.  As you mentioned, you might also forget to put the proper amount of money in the account.  A single mistake can negate all of the tiny gains you are trying to achieve. Ultimately, the decision is yours, of course, but in my opinion, there is very, very little to gain with buying something on 0% credit when you could be paying cash.

While there are plenty of arguments for and against subsidizing public broadcasting groups, with varying degrees of credibility, I think the issue is too small to stress about given the state of other elements of the economy and government. That is, the subsidies given to these groups are so small that the debate seems overblown.

"Do not give them any money until you have a signed contract that releases your liability completely. It's imperative that this contract be drafted correctly. The contract needs proper consideration (money in exchange for release of liability), among other things. In other words, talk to a lawyer if you want to go this route. If you just cut them a check, there's nothing stopping them from taking your money and making an insurance claim anyway, or taking your money and then suing for ""whiplash"" or some other fake injury.  The best way is just to go through insurance. It might cost a bit more, but you're covered in case they sue."

> One problem with the Social Security number, he said, is that a victim of identity theft cannot get it changed after it has been stolen.  Not quite true. [You *can* get your Social Security number changed](https://faq.ssa.gov/link/portal/34011/34019/article/3789/can-i-change-my-social-security-number), but it's a process to do so, and is only available for specific reasons. One of those reasons is due to ongoing issues with identify theft:  > We can assign a different number only if:  > * ... A victim of identity theft continues to be disadvantaged by using the original number;  So it's doable, but the process of doing so isn't easy, and requires a trip to Washington, DC, which most folks won't be able to do (which are only compounded if dealing with financial stresses caused by identity theft).

I live in MA. Median price value here is $410K. Depending on location a $410K house here can be a ranch from 1950 needing a complete overhaul, a 1970's split level, a 4 bedroom Colonial in Central MA or a condo somewhere close to Boston. These homes are decidedly nothing special, and certainly not where the 1% live. There are plenty of houses that list in the $750s in my town that go on and off the market really quickly, generally purchased by a two-earner family making decent (but not 1%er) money. Think engineers, doctors, sales and marketing execs, managers.   Source : https://www.bostonglobe.com/business/2017/07/25/median-home-price-massachusetts-tops-for-first-time/rVsP7BwWZCtKwP9BqZQOKJ/story.html

I'm not saying I don't like the idea of on-the-job training too, but you can't expect the company to do that. Training workers is not their job - they're building software. Perhaps educational systems in the U.S. (or their students) should worry a little about getting marketable skills in exchange for their massive investment in education, rather than getting out with thousands in student debt and then complaining that they aren't qualified to do anything.

Standard Repayment can be quite burdensome. Fortunately, it looks like FedLoan Servicing offers a variety of payment plan options, and even provides a calculator that you can use to compare them given your adjusted gross income and current loan balances. This won't reduce that $420 to $0 but it may bring it down significantly.  I agree with @littleadv that you need legal advice to answer your other questions. That being said, I can tell you that it is possible to go into deferment and/or forbearance at any time (not only before you start making regular payments) as long as you meet the criteria.  Otherwise, it may be worth looking through other questions and answers on here about lowering expenses and increasing income. There is a lot of good advice for people in similar situations to yours. If you are truly in hardship, even with a full-time job, you may qualify for supplemental nutrition insurance, a.k.a. food stamps.  Best of luck.

There are a lot of moving parts, individual premiums and annual increases have little to do with employer premiums and annual increases and vice versa.  Most people think of XYZ insurer as a single company with a single pool of insured folks.  This common knowledge isn't accurate.  Insurers pool their business segments separately.  This means that Individual, small business, mid-size business, and large business are all different operating segments from the viewpoint of the insurer.    It's possible to argue that because so many people are covered by employer plans that individual plans have a hard time accumulating the required critical mass of subscribers to keep increases reasonable.   Age banded rating: Individual coverage and small group coverage is age rated, meaning every year you get older.  In addition to your age increase, the premium table for your plan also receives an increase.  Employers with 100+ eligible employees are composite rated (in general), meaning every employee costs the same amount.  The 18 year old employee costs $500 per month, the 64 year old costs $500 per month.  Generally, the contributions an employee pays to participate in the plan are also common among all ages.  This means that on a micro level increases can be more incremental because the employer is abstracting the gross premium.  Composite rating generally benefits older folks while age rating generally benefits younger folks. Employer Morale Incentive: Generally the cost to an employee covered by an employer plan isn't directly correlated to the gross premium, and increases to the contribution(s) aren't necessarily correlated to the increases the employer receives.  Employers are incentivised by employee morale.  It's pretty common for employers to shoulder a disproportionate amount of an increase to keep everyone happy.  Employers may offset the increase by shopping some ancillary benefit like group life insurance, or bundling the dental program with the medical carrier.  Remember, employees don't pay premiums they pay contributions and some employers are more generous than others.  Employers are also better at budgeting for planned increases than individuals are. Regulators: In many of the states that are making the news because of their healthcare premium increases there simply isn't a regulator scrutinizing increases.  California requires all individual and small group premiums to be filed with the state and increases must be justified with some sort of math and approved by a regulator.  Without this kind of oversight insurers have only the risk of subscriber flight to adjust plan provisions and press harder during provider contract negotiations. Expiring Transitional Reinsurance Fee and Funds: One of the fees introduced by healthcare reform paid by insurers and self-insured employers established a pot of money that individual plans could tap to cope with the new costs of the previously uninsurable folks.  This fee and corresponding pot of money is set to expire and can no longer be taken in to account by underwriters. Increased Treatment Availability: It's important that as new facilities go online, insurer costs will increase.  If a little town gets a new cancer clinic, that pool will see more cancer treatment costs simply as a result of increased treatment availability.  Consider that medical care inflation is running at about 4.9% annually as of the most recent CPI table, the rest of the increases will result from the performance of that specific risk pool.  If that risk pool had a lot of cancer diagnoses, you're looking at a big increase.  If that risk pool was under priced the prior year you will see an above average increase, etc.


Question: Approximation of equity value for company in default

"Generally ""default"" means that the company cannot pay off their debts, and since debt holders get paid before equity holders, their equity would be effectively worthless. That said, companies can emerge from Chapter 11 bankruptcy (reorganization) and retain equity value, but it is rare. Most times, stocks are de-listed or frozen on stock exchanges, and company's reorganization plan will cancel all existing equity shares, instead focusing all of their attention on paying back as much debt as possible. If the company issues new equity after reorganizing, it might provide a way for holders of the original equity to exchange their shares for the new equity, but it is rare, and the value is usually significantly less that the value of the original equity."

"The size terminology for lumber is based on the rough cut dimensions from the mill, not the actual size of the board at Home Depot. There's post finishing done to 2x4's, etc from the big box stores.  It's been that way for 50 years.  If a couple of hipsters got their feelings hurt because they didn't know what they were doing, tell them to watch a youtube video about lumber before screwing up a home improvement project.  They wouldn't have the slightest idea what to do with an actual rough cut 1x6 anyway.  They'd get home with it, and if by some miracle they managed to plane it, they'd realize they're left with a 3/4""x5 3/4"" board,  just like you get from Home Depot.  Grow up, pansies."

I suppose it depends on how liquid you need, and if you're willing to put forth any risk whatsoever.  The stock market can be dangerous, but there are strategies out there that will allow you to insure yourself against significant loss, while likely earning you a decent return.  You can buy and sell options along with stocks so that if the stock drops, your loss is limited, and if it goes up or even stays where it's at, you make money (a lot more than 1% annually). Of course there's risk of loss, but if you plan ahead, you can cap that risk wherever you want, maybe 5%, maybe 10%, whatever suits your needs.  And as far as liquidity goes, it should be no more than a week or so to close your positions and get your money if you really need it. But even so, I would only recommend this after putting aside at least a few thousand in a cash account for emergencies.

What's the future of oil and its economic impact.  1. On one side, it's nice that some countries have decided to ban gas powered cars in 20 or so years along with the likes of Tesla and home solar power having some success.   2. But, we still need plastics and possibly a host of other chemicals produced from petroleum - so there will be demand, but of a smaller (?) or different kind.  3. There would be a huge upheaval (I imagine) in the industries in the current oil supply chains and also countries (Saudi Arabia for e.g.) and the global/ middle eastern politics too (?).

"Not to mention. Since I posted my comment, I've suffered from self shutdowns of my PC (started with instant shutdowns). Only restoring multiple times from multiple restore points as seemed to have solved the problem for now. I'm telling you, we are under foreign attack, and India is part of it.  Also, when I'm not using my PC I shut it down and turn off the power strip access to it. Used to unplug it too.  Also in the past year, my refrigerator, dryer, main TV in living room, and most recently my washer (mechanical recurring) and PC have suffered electrical failures.  BEWARE those who claim to be advancing/helping you.  Anyway I believe someone is sending me a message about evil in our midst.  Pop culture should obviously indicate to you, if you know history as a matter of fact, not conjecture, that things are deteriorating quickly, and various nefarious factions are jockeying for position.  And they are not, never have been, from the side of ""good"", though they ALL claimed to be.  They punish/torment/destroy whom they deem (their whims) to be ""evil"". Though they are NEVER the arbiter of such things.  Horrible things are coming to the US. Past sins. Don't complain. Find redemption, salvation as you can. Survival (personal) is not paramount. GOOD (as  you see it) is. Just make sure you're not actually evil.  I'm clobbered here. Though I try to reveal truth. I try to debate, initiate discourse. I am shut down, for various nebulous reasons that my accusers use commonly."

"No, investing in gold is a bad idea. Gold at these prices is completely useless. There are many other precious metals that are far more useful.   It seems highly unlikely you will make a large return and the downside is huge. If the world economy is stabilised gold will halve very quickly, perhaps more.   A great piece of advice I have had while investing is ""if the shoe shine boy tells you to buy; sell"", i.e. when the general public think it is a good idea to invest in a certain product you have already missed the boat.  You have missed the gold boat.  Unfortunately most safe heavens are exhausted: chf, jpy, gold, etc. At the moment there aren't any safe places.  NOK is probably your best bet but beware of intervention (see EURCHF around sep last year)."

I've used ING and have no complaints with them, but right now if you can work with their restrictions, SmartyPig.com has a better rate than ING and better than any listed on SavingsAccount.com.

No. Bonds don't work like that.  When you buy a bond, you buy pieces of notional at a price. 1K denotes the amount you would get back at maturity (+ coupons), So the smallest piece size would be 1k.  I've even seen 50K plus but thats for more illiquid products....


Question: taxes, ordinary income, and adjusted cost basis for RSUs

What happened is that they do not track (and report) your original cost basis for 1099-B purposes. That is because it is an RSU. Instead, they just reported gross proceeds ($5200) and $0 for everything else. On your Schedule D you adjust the basis to the correct one, and as a comment you add that it was reported on W2 of the previous year. You then report the correct $1200 gain. You keep the documentation you have to back this up in case of questions (which shouldn't happen, since it will match what was indeed reported on your W2).

"I have a similar situation -- five different accounts between me and my wife. Just as you and @Alex B describe, I maintain my asset allocation across the combination of all accounts. I also maintain a spreadsheet to track the targets, deviations from the targets, amounts required to get back in balance, and overall performance. I (mostly) don't use mutual funds. I have selected, for each category, 1 or 2 ETFs. Choosing index ETFs with low expense ratios and a brokerage with cheap or free trades keeps expenses low. (My broker offers free ETF trades if you buy off their list as long as you aren't short-term trading; this is great for rebalancing for free 2 or 3 times a year.) Using ETFs also solves the minimum balance problem -- but watch out for commissions. If you pay $10 to buy $500 worth of an ETF, that's an immediate 2% loss; trade a couple of times a year and that ETF has to gain 5% just to break even. One issue that comes up is managing cash and avoiding transaction fees. Say your IRA has all the growth stock funds and your Roth has the bonds. Stocks do well and bonds do poorly, so you sell off some stocks, which creates a bunch of cash in your IRA. Now you want to buy some bonds but you don't have enough cash in your Roth, so you buy the bonds in your IRA. Not a problem at first but if you don't manage it you can end up with small amounts of various funds spread across all of your accounts. If you're not careful you can end up paying two commissions (in two different accounts) to sell off / purchase enough of a category to get back to your targets. Another problem I had is that only one account (401k) is receiving deposits on a regular basis, and that's all going into an S&P 500 index fund. This makes it so that my allocation is off by a fair amount every quarter or so -- too much in large cap equities, not enough of everything else. My solution to this going forward is to ""over-rebalance"" a couple of times a year: sell enough SPY from my other accounts so that I'm under-allocated in large caps by the amount I expect to add to my 401k over the next 3 months. (So that in six months at my next rebalancing I'm only 3 months over-allocated to large caps -- plus or minus whatever gains/losses there are.)"

No kidding, I'm shocked. /s  The flipper boom after the 2008 downturn basically means that anything affordable gets snapped up by an investor in a cash sale, they do some half-assed renovations, and then turn and sell it for double the original price. They out-compete low-end buyers during purchase, even if those buyers have outstanding credit, and then they move the house out of reach of those very buyers.  $300k - $600k houses are everywhere around here. What isn't available are reasonably priced houses under $300k that might need some minor updating. Anything under that you can actually purchase is probably something barely above occupancy standards.  There is *no* incentive to build or renovate affordable low end houses. None.

"The first question I have to ask is, why would your ""friend"" even be considering something so ridiculous?  There are so many variations of the banking scam running around, and yet people can't seem to see them for what they are -- scams.   The old saying ""there's no such thing as a free lunch"" really comes into play here.  Why would anyone send you/your friend $3,000.00 just because they ""like you""?  If you can't come up with a rational answer to that question then you know what you (or your friend) should do -- walk away from any further contact with this person and never look back! Why?  Well, the simple answer is, let's assume they DO send you $3,000.00 by some means.  If you think there aren't strings attached then all hope is lost.  This is a confidence scam, where the scammer wins your trust by doing something nobody would ever do if they were trying to defraud you.  As a result, you feel like you can trust them, and that's when the games really begin.   Ask yourself this -- How long do you think it will be (even assuming the money is sent) before they'll talk you into revealing little clues about yourself that allow them to develop a good picture of you?  Could they be setting you up for some kind of identity theft scheme, or some other financial scam?  Whatever it is, you'd better believe the returns for them far outweigh the $3,000.00 they're allegedly going to send, so in a sense, it's an investment for them in whatever they have planned for you down the road. PLEASE don't take the warnings you get about this lightly!!!  Scams like this work because they always find a sucker.  The fact that you're asking the question in the first place means you/your ""friend"" are giving serious thought to what was proposed, and that's nothing short of disaster if you do it.   Leave it be, take the lesson for what it's worth before it costs you one red cent, and move on. I hope this helps. Good luck!"

"Sounds like he might be a good resource. Even if school doesn't start soon, start learning. It's a competitive field because the people in it are driven, so you should be too. There's a ton of books out there, and the more you know the easier it will be to figure out the path you want to go down; or if it's even something you want to pursue. A few books on kindle are a hell of a lot cheaper than college is, and in my opinion college is a lot easier when you have a set goal instead of a ""maybe this could be for me"" attitude."

"Considering the fact that you are so unaware of how to find such data, I find it very very hard to believe that you actually need it. ""All trade and finance data for as much tickers and markets as possible."" Wtf does that even mean. You could be referencing thousands of different types of data for any given ""ticker"" with a statement so vague. What are you looking for?"

Everything here is yours and can be rolled into your new plan or IRA. You can generally move your 403(b) assets into your traditional IRA or into your new employer's plans, assuming your new employer's plan allowing incoming roll overs.  You can probably roll your pension out as well. Actually, the right person to ask about this is the company with whom you have your IRA.  The easiest and best way to get assets from one tax-sheltered account to another is by contacting the company you want to roll INTO and having them take care of everything for you.

The main reason, as far as I can see, is that the dividends are payments with which the shareholders may do what they want. Capital that the company has no use for does not make a significant positive return on investment, as you pointed out, yes the company could accrue interest, but that is not going to make the company large sums of cash. While the company may be great at making shoes - maybe even the best in the world - doesn't mean they are good investors. Sure they could dabble at using their capital to invest in other equities, but they don't, because they just want to focus on making shoes. If the dividend goes to the investors, they can do what they wish, be it reinvest in the company, or invest elsewhere. Other companies that may make good use of the capital, and create significant returns on it are one such example. That is the rational answer, beyond that, one of the main reasons is that people like the feeling of receiving dividends - it might not be the answer you are looking for, but many people prefer companies that pay dividends for no rational reason over companies which grow their asset value.


Question: How does a limit order work for a credit spread?

As you probably know, a credit spread involves buying a call (or put) at one strike and selling another call (or put) at another with the same maturity, so you're dealing with two orders. Your broker will likely have to fill this order themselves, meaning that they'll have to look at the existing bid/asks for the different strikes and wait until the difference matches (or exceeds) your limit order.  Obviously they can't place limit orders on the legs individually since they can't guarantee that they will both be executed.  They also don't care what the individual prices are; they just care what the difference is.  It's possible that they have computer systems that examine existing bids and asks that would fill your order, but it's still done by the broker, not the exchange.  The exchange never sees your actual limit order; they will just see the market orders placed by your broker.

Check out research: equities, credit, fixed income, quant, ECM. Typically research analysts need the 7/63/86/87, strong financial modeling skills (VBA, other kinds of coding help here), and the necessary financial background to perform valuations. Like the other commenter suggested, starting on your Level One CFA is a good start.

Centre For Laptops offer very reliable laptop services for all types of brands of laptops and computers by the trained personnel. Centre For Laptops provides best DELL Laptop Repair And Services In Delhi. Centre For Laptops use the latest methods of diagnosing to find the hardware and software issues. For more details, Visit: http://centreforlaptops.com/

Facebook is the commonly used social media platform account and it is difficult to hack Facebook by common people like us. You need help form Facebook hacker who can hack any Facebook account for you. There are online site which offer you with hacking services and that also for free.

Can you make use of an HSA (health savings account) or a medical FSA (flexible spending account)? Depending on your medical coverage, one of these may be available to you.  Buying a house usually does the trick, between property tax and interest, it's not tough to have quite a bit in deductions. Of course, you need to want a house in the first place.

"> First, you give this gray topic of Medicare Part-D where Trump promised to act upon, but has yet do anything. Am I right?  If you think the topic is ""gray"" and the issue is Trump ""has yet do anything"" then you haven't put in the time to understand why I think this is an issue.  > Global Warming? It's Trump fault?  It appears you didn't put in the time to understand my issue with President Trump and global warming either.  > Because the Paris Accords, like the TPP, and like NAFTA, and the Iran Deal, etc, etc, etc, are scams to hurt the USA and make the USA pay more. Nothing else.  Oh wow, you have drunk deeply from the Republican cool-aid.  For what it is worth, you are being lied to and manipulated.  There is a lot more (or less in a few cases) to these deals than you have been told.  FYI, when you think the only reason people would be championing a policy you disagree with is that those people are evil, you might want to dig a little deeper.  > Since you are an expert with Global Warming...  All right.  > Who has bigger air pollution, coal power plants, cutting trees, environmental disasters, etc? The USA or China?  Currently?  China, China, USA, USA  Historically?  USA, USA, USA, USA  > ...is it true that deserts are now becoming green?  No, [deserts are growing](http://www.dw.com/en/holding-back-the-growing-desert/a-18620447).  A few spots where plants are now growing in the desert does not change the global trend.  > Most trees in the world, which are in Russia and not the Amazon, are green longer?  It is thought that the warmer temperatures will delay them losing their leaves in fall.  [The warmer temperatures will also kill many of them](http://www.rollingstone.com/politics/news/the-fate-of-trees-how-climate-change-may-alter-forests-worldwide-20150312).  > Global warming happened before, many times in earth history before the industrial revolution?  Yes, due to [Milankovitch cycles](https://en.wikipedia.org/wiki/Milankovitch_cycles) and the Earth releasing methane and CO2.  > Also ice ages?  Yes, again caused by [Milankovitch cycles](https://en.wikipedia.org/wiki/Milankovitch_cycles).  We don't expect another ice age for about 40,000 years.  > Oceans did not rise?  Oceans and continents have risen and fallen a lot in the history of the world.  Usually these kinds of changes come with huge extinction events.  > I am not worried about Global Warming. It has negative things, and positive things.  That is too bad because it will will come with about a hundred negative things for every positive.  > Do you have any idea what will happen in the world, 20-30 years from now, when we stop raising cows, pigs, goats and sheep?  That would be great but that won't be enough to stop global warming.  It is also may never come to pass so it is a bad idea to do nothing today expecting technology to fix our problem tomorrow.  > You should be more worried about China and what this country and all its people do the earth.  Maybe so, but then President Trump should be implementing a plan and taking steps to minimize the damage in the future.  Instead he is ignoring the problem and rolling back what few preparations Obama made."

To sum up: My question came from misunderstanding what cost basis applies to. Now I get it that it applies to stocks as physical entities. Consider a chain of buys of 40 stock A with prices $1-$4-$10-$15 (qty 10 each time) then IRS wants to know exactly which stock I am selling. And when I transfer stocks to different account, that cost basis transfers with them. Cost basis is included in transfers, so that removes ambiguity which stock is being sold on the original account. In the example above, cost basis of 20 stocks moved to a new account would probably be $1 x 10 and $4 x 10, i.e. FIFO also applies to transfers.

Someone remind WalMart this is not 2007 when they were the baddest, biggest company in the country.   Don't try to dictate your terms on others. It still blows my mind that if you do business with Walmart you need an office in Bentonville.


Question: When does a low PE ratio not indicate a good stock?

"Yes, there are situations where a stock is a bad buy in spite of a low PE. PE ratio tells you the current share price divided by the prior 4 quarters earnings per share. It does not consider: Imagine someone walked up to you and said, ""Do you want to buy a piece of my business? I'll sell you 1% of it for $1000. Last year the business earned $25000."" A quick calculation shows a PE of 4 [$1000/($25000 *.01)]. Even though this PE is comparatively low, you wouldn't buy in without a lot more info. What kinds of things might you ask? PE is one tiny component of an informed investment decision."

> You're a damn idiot. Didn't you just read? The text said EXCEPT for contractors.   There are non-contractor non-exempt IT employees, dumbass.   > And I have a better idea. Since you're no coward. Why don't you guys just meet up and try to rearrange each other's faces, Internet tough guy.  Oh hey, make sure you put words in my mouth so you can pretend to be better than us, dumbass.

Yes, the choice of some of the base stats to use is pretty interesting. I'm not an expert in using FRED, but I think there are better numbers for a lot of those. Mostly it's about things like the origin of the graph though - look how many of the graphs on that page start in the mid fifties, not zero, thus magnifying things drastically. Also graphing numbers that aren't calculated the same way on the same graph - FRED does not fix your poor assumptions.

"Call me rude, but I would be less concerned with taxes and more concerned with increasing your income. Double your income and say ""fuck you"" to the taxes!  Also, I'm no expert on taxes, but a corporation would not prevent you from having income so you would likely be passing the profits through and still paying the same income tax rate."

I would not want to be Sprint or T-Mobile right now. You can't merge, you can't get funding to buy spectrum. It is a whole host of pain.   Look at the [spectrum deficit](http://i.kinja-img.com/gawker-media/image/upload/s--6IjuqZjH--/c_fit,fl_progressive,q_80,w_636/18ky96u2tk3edjpg.jpg) between these guys.  Lower level spectrum 700-900mhz is around 3-4 times more useful than the higher frequency for coverage (making the signal go far and through walls). This is a big deal for 2 reasons:  1. The less towers you have to build, the cheaper it is (less capex and opex for sites + decreased operational complexity) AND the quicker you can roll out the network (first mover adv). [EDIT: This only applies to coverage situations i.e. along highways, and in rural regions. Coverage is important because even those who don't travel that much consider it highly as a key purchasing factor]  2. The less accurate you have to be with the network planning. Imagine you have a big circle that you can place on a town, vs having to use 3 equivalent circles. The planners can get the number of towers wrong and/or the location of the towers.  In the long term; Sprint and T-Mobile are going to be pushed into being high-city only Telcos, less profitable in general (IMO).

"I just wanted to point out that the most ""leverage"" for pre-paying occurs at the very beginning of the mortgage, and declines rapidly after that. So, your very best scenario is to get the 30-year, and make one extra payment entirely to principal the first month of every year. This causes the amortization to drop by 96 payments, to about 22 years. I don't know of any other way that you can get nearly 4 times value for your money (22 payments extra to save 96 payments later). After that, reducing from 22 to 15 years takes more of your money for the same result, but do it if you want. I actually did this, and it put me way ahead when I sold the house about 12 years later."

The fact has been demystified that learning music facilitates learners enhance their skills and excel in other phases of their life. “A music-rich experience for children of singing, listening and moving really bring very good benefits to children as they progress into more formal learning”. Music learning supports all learning.

There are lots of reasons for the differences in price. Can you go to (a) bank, (b) forex bureau and (c) central bank and post back both bid and offer prices at a given time so we can consider the spread? What you've said above for (a) and (b) are presumably USDGHS offer prices, because they are higher than the (c) central bank price. If a bank or bureau bid price was higher than the central bank offer price then you could buy GHS from the central bank and then sell them to a bureau for a higher price, an almost no risk arbitrage, other than the armoured car to deliver the funds from central bank to bureau. What you've posted is: (a) a bank will sell you 1 USD for 3.4 GHS (b) a bureau will sell you 1 USD for 3.7 GHS (c) we can see the bid/offer for central bank is 3.1949/3.1975 which means the central bank, if you have an account, will sell you 1 USD for 3.1975 GHS. You clearly want to buy USD from the central bank, then the bank, then the bureau. Anyway, the reason for these differences is all to do with liquidity conditions in the local areas, the customer types, and the frequency of orders versus inventory... Think about it. The central bank has the most frequency of orders and the biggest customers so it offers the lower price, then the bank, and then the bureau. I think the bureau is the worst price there... You have to explain further :)


Question: How to fund sabbatical to prepare house for sale?

I'll write this up as a more formal answer, here. I'd suggest looking into a Home Equity Line of Credit, or HELOC. You didn't mention in your question how much equity you have in the home, but assuming at least 20%, you might be able to open a HELOC with a line of $40,000. My experience is that you can do 50% of your equity, but depends on the bank. Here are a few notes that are generally in play with HELOC's (YMMV, so be sure to know the specifics before signing on the line) Doing this, at least when we did 8 years ago, did not subject us to PMI. There are certainly plenty of things to research, but it sounds like you're pretty astute based on how you're evaluating the financial side of this endeavor. There are no guarantees in real estate. Houses could be selling like crazy now, but in 6 months they might not. It certainly sounds like that's a lower risk in your area, but you never know what might happen. If you're taking on this extra line of credit, make sure that it's something you could afford should the worst case scenario happen.  Equity loans are also available. This is a more traditional fixed-rate loan rather than line of credit, so you'd be looking at set monthly payments rather than the flexibility of paying interest only when you need to. There's a brief write-up on the differences here. I have also heard of a construction loan, which falls into the same category as the aforementioned options, but I can't speak to today's market on those.

Simple Schwaab does not have actually your securities they have leased them out and have to borrow them back. all assets are linked with derivatives now. They show on the balance sheet but have to be untangled. Thats why the market drops disproportionally fast to the actual number of shares sold.

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Trying to make money on something going down is inherently more complicated, risky and speculative than making money on it going up.  Selling short allows for unlimited losses.  Put options expire and have to be rebought if you want to keep playing that game.  If you are that confident that the European market will completely crash (I'm not, but then again, I tend to be fairly contrarian) I'd recommend just sitting it out in cash (possibly something other than the Euro) and waiting until it gets so ridiculously cheap due to panic selling that it defies all common sense.  For example, when companies that aren't completely falling apart are selling for less than book value and/or less than five times prior peak earnings that's a good sign.  Another indicator is when you hear absolutely nothing other than doom-and-gloom and people swearing they'll never buy another stock as long as they live.  Then buy at these depressed prices and when all the panic sellers realize that the world didn't end, it will go back up.

"The major bureaus use the Fair Isaac scoring model, for the most part.  Here's an excerpt from a web site (Versions of the FICO scoring model) to explain: One of the first things a newcomer to this board learns is the difference between FICO and FAKO scores. FAKO refers to the non-FICO scores offered by various companies. FAKO scores have little value since few of them are used by lenders and they do not match closely to FICO scores.    But even when you stick with FICO scores, confusion can ensue because FICO scores have many different editions, versions, and variations. On a single day, a consumer could theoretically have dozens of different FICO scores, depending on which version and credit agency is used to produce the score.   This post provides a summary of the various FICO versions. Please offer any corrections or updates, and they will be edited in.   The FICO scoring model with its familiar range of 300 to 850 was first introduced in 1989. Since then, FICO has released five major revisions:   1995, 1998, 2004, 2008, and 2014.  Each ""edition"" uses a different formula and produces a different score.   When a new FICO edition is released, many lenders continue using an older version for years before ""upgrading."" The 1995 revision is no longer in common use, but later editions are still used by lenders.   Most FICO editions are commonly known by the year of introduction:  FICO 98, FICO 04, and FICO 08 (although FICO now calls it FICO Score 8, without the zero).   The most recent edition is FICO Score 9 introduced in 2014.   As of 2014, FICO Score 8 is the most commonly used. However, most mortgage lenders use FICO 04 for Equifax and Transunion, and FICO 98 for Experian.   In addition to the ""classic"" version, FICO offers ""Industry Option"" versions customized for auto loans, credit cards, installment loans, personal finance loans, and insurance. These have a score range of 250 to 900, so the scores are not fully comparable with ""classic"" versions. As of 2015, Auto and Bankcard scores are available from myFICO as described here.  Citibank provides the Equifax FICO 8 Bankcard score free each month to credit cards holders.   Each credit agency (Transunion, Equifax, and Experian) uses a customized version of each FICO edition. As a result, a consumer's FICO scores from each agency may differ even when all credit information is identical among the agencies.   Because there are many FICO versions, when a score is received, it's helpful to know which version it is. If a lender provides a credit score, ask for details such as which credit agency was used, which FICO edition was used, and whether the score is an Industry Option version. The lender may not always be willing or able to provide the answers, but it doesn't hurt to ask.  Transunion   Official name:   FICO Risk Score Classic 98    Common name:  TU-98   Available directly to consumers:   No    Real-world score range:  336 to 843     (as shown on page 16 of this Transunion document)   Equifax   Official name:   Equifax FICO Score 4  (also known as Equifax Beacon 96)   Common name:   EQ-98   This version appears to be seldom used, but a poster reported it used on a mortgage application in 2014.   Available directly to consumers:   No   Experian   Official name:   Experian FICO Score 2  (also known as Experian FICO Risk Model v2)   Common name:   EX-98   Available directly to consumers:   from myFICO when buying a product that includes all 19 available scores (as described here).  Some credit unions such as PSECU provide it free each month to members.   Real-world score range:   320 to 844     (as shown on this Experian document) Most mortgage lenders use FICO 04 for Equifax and Transunion, and FICO 98 for Experian.   All three scores will normally be pulled and the middle score (not the average) will be used by the lender. Transunion   Official name:   Transunion FICO Score 4  (also known as Transunion FICO Risk Score Classic 04)   Common name:  TU-04   Available directly to consumers:   from myFICO as described here.   Real-world score range:   309 to 839     (as shown on page 16 of this Transunion document)   Equifax   Official name:   Equifax FICO Score 5  (also known as Equifax Beacon 5.0)   Common name:   EQ-04   Available directly to consumers:   from myFICO as described here.  Also available from Equifax when buying FICO score (as a one-time purchase with the ""Score Power"" product available here, or as part of credit monitoring available here).  Some credit unions such as DCU provide it free each month to members.    Real-world score range:   334 to 818   Experian   Official name:   Experian FICO Score 3 (also known as Experian FICO Risk Model v3)   Common name:   EX-04   Available directly to consumers:   from myFICO when buying a product that includes all 19 available scores (as described here).   Real-world score range:   325 to 850     (as shown on this Experian document) Transunion   Official name:   Transunion FICO Score 8  (also known as Transunion FICO 8 Risk Score or FICO Risk Score Classic 08)   Common name:   TU-08   Available directly to consumers:   from myFICO as described here. Some credit card issuers such as Discover, Barclays, and Walmart provides it free each month.   Real-world score range:   341 to 850     (as shown on page 15 of this Transunion document)   Equifax   Official name:   Equifax FICO Score 8  (also known as Equifax Beacon 09)   Common name:   EQ-08   Available directly to consumers:   from myFICO as described here.    Real-world score range:   300  to 850   Experian   Official name:   Experian FICO Score 8  (also known as Experian FICO Risk Model v8)   Common name:   EX-08   Available directly to consumers:   from myFICO as described here.   Real-world score range:   316  to 850     (as shown on this Experian document) How FICO Score 8 differs from previous versions is explained here.    In May 2014, a poster named android01 received 850 scores from all three credit agencies, as described in this post.    In June 2014, a poster named fused received 850 scores from all three credit agencies, as described in this post.   This 2011 press release describes a study of FICO Score 8 scores.   From a sample of 250,000 credit reports, it found 0.02% had a score of 850, or about 1 out of every 5000 persons. In 2014, FICO announced a new version called FICO Score 9.  More info here. As of February 2016, the score is now available directly to consumers, as described here. This New York Times article  says FICO 9 includes two important changes:    unpaid debts that result in collection actions will no longer have a negative effect on a score if the debt has been paid.    unpaid medical debts will have less negative effect on scores. In 2001, FICO released a new scoring model called NextGen.   It is claimed to be an improvement over ""classic"" FICO models because it tracks more factors.  But it has failed to catch on with lenders because its score range of 150 to 950 is incompatible with the familiar 300 to 850 range, requiring lenders to recalculate cutoff scores and revise many rules and policies.  Only a small percentage of lenders reportedly use NextGen. Transunion   Official name:   Precision   Available directly to consumers:    No   Equifax   Official name:   Pinnacle   Available directly to consumers:   In 2014, Pentagon Federal Credit Union (PenFed) began to provide this score free to its credit card holders, as discussed in this post.   Experian   Official name:   FICO Advanced Risk Score   Available directly to consumers:    No I included all of this to make the point that there are many variations of the scoring models, and all of them are customized to one degree or another by each of the major bureaus as a means of giving their models more credibility, as far as they're concerned. To your question about coming up with a ""fair"" scoring model, can you propose what makes current scoring models unfair?  I think it's a safe assumption to make that the financial community has already had a substantial amount of input into how the current scoring models work.  To think otherwise implies that the credit bureaus are just kinda ""winging it"" with whatever they think is best.  Their models are designed to give their client creditors the best scoring model possible based on what those creditors have stated is important to them. There isn't a unified single scoring model out there, and the bureaus definitely won't share the details of their modifications.  You can always come up with your own custom model, but how it compares to what's widely used, that's anyone's guess. I hope this helps. Good luck!"

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

Có những người kinh doanh, đầu tư, giao dịch chỉ có thua lỗ … họ không biết tại sao ? => Thuyết Ngũ Hành có thể lý giải nguyên nhân cho chúng ta biết…  Làm việc gì cũng phải thuận theo tự nhiên thì mới Thành Công !

Where did you see both of these scores?  How far apart did you see both of these scores?  What has changed between this time?   How old are you? (an estimate is fine) ___  Go to Credit Karma and find out if something new is happening


Question: Could someone place an independent film on the stock market?

"When we say ""stock market,"" we are usually thinking of the publicly traded stocks, such as the New York Stock Exchange or the NASDAQ. Shares of individual products do not go on these exchanges, only large corporations.  You won't see a stock ticker symbol for The Force Awakens or for the iPhone 6s Plus.  The reason for this is that when investors buy a stock, they are looking for something that will grow in value theoretically forever. Individual products usually have a limited lifespan. Your movie will (hopefully) generate revenue when it comes out, but after a while sales will slow down after people have seen it. If someone bought a share of stock in a movie on the stock market, they have to realize that eventually the movie will stop making money, and their share of stock won't be worth anything anymore. Instead, people invest in companies that have the potential to make new products, such as Disney or Apple.  So if you were envisioning seeing the ticker symbol of your movie going across the screen on CNBC, sorry, that's not going to happen.  However, you could theoretically sell shares to individual investors for a percentage of the profit. You figure out how much money you need to create the movie, and estimate how much profit you think the movie will earn. Then you find an investor (or group of investors) that is willing to give you the money you need in exchange for a percentage of the profit. Unlike a stock market investor, these investors won't be looking for the long-term growth potential of the resale value of the stock, but simply a share of the profit."

According to *you* we find it. What if, like me, you don't believe it exists? Do you recognize and respect the right of others to have a difference of opinions, and your inability to force them to act how you choose?   If you agreed with me, *boom*. You just shot centralization in the head, because centralization depends on disrespecting a difference of opinion and forcing others to act how you choose.

The ante is at least 100k per job = 5bn, to start. Also needs uninterruptible power, gigantic airport, and political atmosphere acceptable to Jeff Bezos. The footprint of 50k job campus is city sized, so likely not within a city.

"The Amazon recommendation engine is based on an artificial intelligence framework called Deep Scalable Sparse Tensor Network Engine (DSSTNE), nicknamed ""destiny"". So it is clear that Amazon wishes to control your destiny. Even the books you find yourself reading will be determined by their AI."

Don't confuse fiscal conservatism with social conservatism. I like conservative monetary and business policy, but fully support letting individuals decide whether they want to get high, have a gay marriage, etc.  Now that I type this out, I guess I fit more into the libertarian category.

"If it could, it seems yet to be proven.  Long Term Capital Management was founded by a bunch of math whizzes and they seem to have missed something.  I'd never suggest that something has no value, but similar to the concept that ""if time travel were possible, why hasn't anyone come back from the future to tell us"" I'd suggest that if there were a real advantage to what you suggest, someone would be making money from it already.  In my opinion, the math is simple, little more than a four function calculator is needed."

"Well, I know for a fact, some of my flat-earth ultra religious science denying 9-11 truther friends and extended family claim it's a step closer to Armageddon.  The company who offered to implant RFIDs into their employees was a ""mark of the beast, the time's a coming""."

Savings accounts have limitations in case a bank goes belly up and you have a higher amount in the account (more than the insured amount). Mostly big corporations or pension funds cannot rely on a bank to secure their cash but a government bond is secured (with some fine print) and hence they are willing to take negative interest rates.


Question: About dividend percentage

Dividend prices are per share, so the amount that you get for a dividend is determined by the number of shares that you own and the amount of the dividend per share. That's all. People like to look at dividend yield because it lets them compare different investments; that's done by dividing the dividend by the value of the stock, however determined. That's the percentage that the question mentions. A dividend of $1 per share when the share price is $10 gives a 10% dividend yield. A dividend of $2 per share when the share price is $40 gives a 5% dividend yield. If you're choosing an investment, the dividend yield gives you more information than the amount of the dividend.

My first thought was that it must be due to inflation, which causes such differences in many cases since a creditor needs to make back more than the rate of inflation in order not to effectively lose money. But it seems that Paraguay currently has only a very modest rate of inflation, about 3%. Other possible reasons for different credit rates: The latter is most likely. It means that if debtors are generally poor and are often completely unable to pay back the loan, or if there is no effective way to force uncooperative debtors to pay (e.g. when there are weak laws or overworked courts), then creditors will lose a lot of money to defaults and have to raise rates to compensate for this.

"You cannot actually buy an index in the true sense of the word.  An index is created and maintained by a company like Standard and Poor's who licenses the use of the index to firms like Vanguard.  The S&P 500 is an example of an index.  The S&P 500 ""index includes 500 leading companies"", many finical companies sell products which track to this index.  The two most popular products which track to indexes are Mutual Funds (as called Index Funds and Index Mutual Funds) and Exchange Traded Funds (as called ETFs).  Each Index Mutual Fund or ETF has an index which it tracks against, meaning they hold securities which make up a sample of the index (some indexes like bond indexes are very hard to hold everything that makes them up). Looking at the Vanguard S&P 500 Index Mutual Fund (ticker VFINX) we see that it tracks against the S&P 500 index.  Looking at its holdings we see the 500-ish stocks that it holds along with a small amount of bonds and cash to handle cash flow for people buying and sell shares.  If we look at the Vanguard S&P 500 ETF (ticker VOO) we see that it also tracks against the S&P 500 index.  Looking at its holdings we see they are very similar to the similar Index Mutual Fund. Other companies like T. Rowe Price have similar offering.  Look at the T. Rowe Price Equity Index 500 Fund (ticker PREIX) its holdings in stocks are the same as the similar Vanguard fund and like the Vanguard fund it also holds a small amount of bonds and cash to handle cash flow. The only real difference between different products which track against the same index is in the expense ratio (fees for managing the fund) and in the small differences in the execution of the funds.  For the most part execution of the funds do not really matter to most people (it has a very small effect), what matters is the expense (the fees paid to own the fund).  If we just compare the expense ratio of the Vanguard and T. Rowe Price funds we see (as of 27 Feb 2016) Vanguard has an expense ratio of 0.17% for it Index Mutual Fund and 0.05% for its ETF, while T. Rowe Price has an expense ratio of 0.27%.  These are just the fees for the funds themselves, there are also account maintenance fees (which normally go down as the amount of money you have invested at a firm go up) and in the case of ETFs execution cost (cost to trade the shares along with the difference between the bid and ask on the shares). If you are just starting out I would say going with the Index Mutual Fund would easier and most likely would cost less over-all if you are buying a small amount of shares every month.  When choosing a company look at the expense ratio on the funds and the account maintenance fees (along with the account minimals).  Vanguard is well known for having low fees and they in fact were the first to offer Index Mutual Funds. For more info on the S&P 500 index see also this Investopedia entry on the S&P 500 index. Do not worry if this is all a bit confusing it is to most people (myself included) at first."

China is in the middle of a residential housing bubble, and now is probably a horrible time to invest in real estate in China.  Even if China wasn't near the peak of its bubble it would probably still be a bad idea because owning real estate in a foreign country is expensive and risky. There are real currency risks, think what would happen if the yuan declined significantly against the dollar. There is also the risk of the government seizing foreign held investments (not extremely likely but plausible). Another consideration is that it would be next to impossible for you to get a loan to purchase a property US banks wouldn't touch it with a 10 ft pole and I doubt Chinese banks would be very interested in lending to foreigners.

It won't be worth $1050 at maturity. You are not accounting for tym.   So to see the 'worth: of a bond you will need it's yield (5%) and the current market rate of a similar bond.    Then just use the bond valuation formula to solve (on mobilw so can't explain further/better) sorry

"What exactly is ""Call Protection""? Is ""NO"" normal for a CD?   A ""callable"" cd (or one without protection can be revoked before maturity by the issuer. For example, if interest rates drop they might recall the CD since they can borrow money at a lower rate. A callable CD should offer a better return in exchange for this. Is ""first coupon date"" the first time it actually pays interest?   Yes. Given that the first coupon date is in 6 months, and it's semiannual, is it fair to assume that this pays every six months?   Yes Given that the maturity date is 9/29/2025, this is really a 15-year CD, right?   It depends. CDs can be resold on the market. So it is AT LEAST a 15 year CD. It could also be a 20 year CD originally issued in 2005. What does ""Price (Ask)"" mean? It says 100 - does that mean you buy in chunks of $100?   Yes. More accurately, they are $100 per CD.  What is ""Yield to Worst (Ask)""? Is this the worst yield that this CD will return?   The lowest potential yield that can be received on a bond without the issuer actually defaulting. 3.25% is the best yield I've seen from something as stable as a CD. Would it be silly, though, to lock money up in an investment like this for 15 years?     There is no way to really say without a crystal ball. If you aren't willing to accept more risk and think that interest rates will remain at these historic lows for a long while, then it is probably a good deal. If you think interest rates are due to go up substantially, then it is probably smarter to ladder your investments in shorter term CDs. In investment circles this is known as ""Interest Rate Risk"""

> whatever is happening in the tax code that makes these inversions possible needs to be fixed.  The best way to prevent this from happening is to lower the federal corporate tax rate to zero.  Having the business, a few more jobs, inflows of cash etc. are worth more than the <10% that corporate tax provides to the government budget.

> A job that doesn't allow someone to live with dignity and have their basic needs covered shouldn't exist.  But don't you think this position has the unintended consequence of removing jobs for those who don't need the job to make a living, but rather to gain experience, or just supplemental income?


Question: Income and taxes with subcontracting?

Since you say 1099, I'll assume it's in the US. :) Think of your consulting operation as a small business. Businesses are only taxed on their profits, not their revenues. So you should only be paying tax on the $700 in the example you gave. Note, though, that you need to be sure the IRS thinks you're a small business. Having a separate bank account for the business, filing for a business license with your local city/state, etc are all things that help make the case that you're running a business. Of course, the costs of doing all those things are business expenses, and thus things you can deduct from that $1000 in revenue at tax time.

Disappointing this is just an advertisement. I was hoping for a discussion on paying rent online. The online portal the property manager I rent from uses is horrible. They charge at 5% fee for processing payments online (which increases my rent by $45/mo).

"1. Internet is not a regular product or service, it's a utility.  2. An unregulated utility market simply leads to regional monopolies, because the companies privately own the infrastructure.  That's exactly what we have.  The cable companies cut up the country and generally stay out of eachother's turf, because it's more profitable than competition.  This is the opposite of a capitalist market, by the way.  They are now all billionaires from providing bear minimum service and avoiding any real competition.  Instead of competing, they slowly build enough money until they can simply buy out their competitors.  Comcast has gotten so rich it bought NBC and is now looking to buy TWC.  3. Fair competition for utilities requires rules that prevent the reigning company from blocking out competitors. This is called ""[Open-Access](http://en.wikipedia.org/wiki/Open_access_%28infrastructure%29)"", this is what they have throughout most of Europe. This doesn't happen here because the reigning monopolies use their billions to buy political influence in Washington DC via lobbyists, campaign fund raising, donations, etc...  It is so effective, that the former chair of the FCC, Michael Powell, made a PSA bashing Open-Access competition rules and praising our monopoly system, saying it has resulted in the best internet in the world, which is of course a bold-faced, demonstrable lie.  [Video used to be on youtube, can't find it anymore]  4. The root cause is an apathetic voter base who view Washington as too corrupt to even reform, which keeps the people who care about this issue the most away from the poles.  This simply strengthens the power of the corporate lobbyists to control politics even more.  5. To take on these giants, you need to be a giant yourself, with tons of money to burn and a big reason to do it even though you'll probably lose money, since it's more like charity than a great business opportunity.  The only ones who fit the bill are Google, and only because they have a vested interest in keeping the internet free, open, fast, robust and affordable.  It also helps that they spent the past decade buying up fiber optic infrastructure."

An Indian citizen who is not a resident of India (an NRI) or a Person of Indian Origin (a PIO) is not permitted to sell or gift immovable property in India (real property for US readers) to another NRI or PIO; the property must be sold or gifted to a resident of India.  So, assuming that the property in question is in India, you cannot sell it to your NRI friend.

"Well sounds like Disney is gonna have less people watching their movies, lol  How many people who have Netflix are going to go ""Oh yeah definitely I'm going to pay for yet *another* streaming service!"" vs how many people are they going to pick up who don't already subscribe to netflix (hint not many).    So Disney is not going to gain *new* viewers, they are just going to attempt to take them from netflix, but with *only* a few hundred movies, good luck keeping them subscribed."

I would say generally, the answer is No.   There might be some short term relief to people in certain situations, but generally speaking you sign a contract to borrow money and you are responsible to pay.  This is why home loans offer better terms then auto loans, and auto loans better than credit cards or things like furniture.  The better terms offer less risk to the lender because there are assets that can be repossessed.  Homes retain values better than autos, autos better than furniture, and credit cards are not secured at all. People are not as helpless as your question suggests.  Sure a person might lose their high paying job, but could they still make a mortgage payment if they worked really hard at it?  This might mean taking several part time jobs.  Now if a person buys a home that has a very large mortgage payment this might not be possible.  However, wise people don't buy every bit of house they can afford.   People should also be wise about the kinds of mortgages they use to buy a home.  Many people lost their homes due to missing a payment on their interest only loan.  Penalty rates and fees jacked up their payment, that was way beyond their means.  If they had a fixed rate loan the chance to catch up would have not been impossible. Perhaps an injury might prevent a person from working.  This is why long term disability insurance is a must for most people.  You can buy quite a bit of coverage for not very much money. Typical US households have quite a bit of debt.  Car payments, phone payments, and either a mortgage or rent, and of course credit cards.  If income is drastically reduced making all of those payments becomes next to impossible.  Which one gets paid first.  Just this last week, I attempted to help a client in just this situation.  They foolishly chose to pay the credit card first, and were going to pay the house payment last (if there was anything left over).  There wasn't, and they are risking eviction (renters).     People finding themselves in crisis, generally do a poor job of paying the most important things first.  Basic food first, housing and utilities second, etc...  Let the credit card slip if need be no matter how often one is threatened by creditors.  They do this to maintain their credit score, how foolish. I feel like you have a sense of bondage associated with debt.  It is there and real despite many people noticing it.  There is also the fact that compounding interest is working against you and with your labor you are enriching the bank.  This is a great reason to have the goal of living a debt free life.  I can tell you it is quite liberating.

All the manufacturers exporting things from China.  When they mention a supposed lack of consumer demand in the USA they fail to account for the heavy balance of payments deficit, [$124 billion in the last quarter of 2011](http://www.bea.gov/newsreleases/glance.htm).  If there's no demand, as the Keynesians claim, how come the US is buying so much stuff from other countries? There seems to be plenty of demand, the US is just unable to manufacture the products its citizens want.   The real problem is lack of production capability. The industrial base of the US has too many obsolete plants. And the companies cannot modernize with the current tax regulations, they are unable to depreciate those obsolete plants fast enough to build new ones that could compete with the foreign corporations.

"If you're making big money at 18, you should be saving every penny you can in tax-advantaged retirement accounts. (If your employer offers it, see if you can do a Roth 401(k), as odds are good you'll be in a higher tax bracket at retirement than you are now and you will benefit from the Roth structure. Otherwise, use a regular 401(k). IRAs are also an option, but you can put more money into a 401(k) than you can into an IRA.) If you do this for a decade or two while you're young, you'll be very well set on the road to retirement. Moreover, since you think ""I've got the money, why not?"" this will actually keep the money from you so you can do a better job of avoiding that question. Your next concern will be post-tax money. You're going to be splitting this between three basic sorts of places: just plain spending it, saving/investing it in bank accounts and stock markets, or purchasing some other form of capital which will save you money or provide you with some useful capability that's worth money (e.g. owning a condo/house will help you save on rent - and you don't have to pay income taxes on that savings!) 18 is generally a little young to be setting down and buying a house, though, so you should probably look at saving money for a while instead. Open an account at Vanguard or a similar institution and buy some simple index funds. (The index funds have lower turnover, which is probably better for your unsheltered accounts, and you don't need to spend a bunch of money on mutual fund expense ratios, or spend a lot of time making a second career out of stock-picking). If you save a lot of your money for retirement now, you won't have to save as much later, and will have more income to spend on a house, so it'll all work out. Whatever you do, you shouldn't blow a bunch of money on a really fancy new car. You might consider a pretty-nice slightly-used car, but the first year of car ownership is distressingly close to just throwing your money away, and fancy cars only make it that much worse. You should also try to have some fun and interesting experiences while you're still young. It's okay to spend some money on them. Don't waste money flying first-class or spend tooo much money dining out, but fun/interesting/different experiences will serve you well throughout your life. (By contrast, routine luxury may not be worth it.)"


Question: When is Cash Value Life Insurance a good or bad idea?

The standard answer I have heard is that if you were to purchase term life insurance and invest the difference between the cost of the policies, your investments would grow larger than the cash value of the insurance. Also when you take cash out of CVLI the insurance value drops by a like amount. So you can't have your cake and leave it to your heirs too. Either you get the cash value OR they get the insurance value. Hopefully, there could be some of both. Although I believe the philosophy of that answer I have two issues with it. First, you must be dedicated enough to invest the difference every month. I can imagine that might be tough to do consistently and if you take breaks from the investing will you still accumulate more than you would have with the insurance? Second, for the past couple of years all of my investments in mutual funds have lost value. My life insurance has continued to grow cash value over the same time period. Hmm, maybe there isn't a one size fits all solution. If you need a large amount of insurance, term life will certainly be more affordable. However, considering this as an investment I would not expect that to be a deciding factor. Good luck with your decision. It is great that at such a young age you are concerned about investments.

Listen Bernie Bro, if you think any centralized government will ever be fully accountable to we the people, you need to put down the hash pipe. Bernie wasn't even accountable to his own donors, that's why they're suing him ;)   The only solution is for the government to stop inserting itself between people and Healthcare. Only then with direct pricing, lower barriers to entry, private charity and consumer choice can we lower costs. Cartels only exist because of state mandated regulation, patent law and government mandated Healthcare.

"Gotcha, so for that job, I would try and get a basic understanding of how pulling queries and tables works.  (ie What does that even mean?  And if you have multiple tables how would you get the information you want?  That's really going to be the important part.   But a lot of times it really depends on the quality of the data, something possibly only IT knows.)  Do you know any basic programming?  A lot of it is just understanding what kind of questions you need to be asking, googling it, then understanding how to incorporate the google answer into your software.  On a side note, the Hyperion, Oracle Essbase, and Access will all be a little different coding wise.  Hyperion you may not really even need to do any ""coding.""  I'd also probably look up what Hyperion Financial Planning is and get familiar with the interface.  It's not hard, just weird if you've only ever used excel (and much more stringent)."

**Economy of the Bahamas**  The Bahamas is a stable, developing nation with an economy heavily dependent on tourism and offshore banking. Steady growth in tourism receipts and a boom in construction of new hotels, resorts, and residences had led to solid GDP growth for many years, but the slowdown in the US economy and the attacks of September 11, 2001 held back growth in these sectors in 2001-03. Financial services constitute the second-most important sector of the Bahamian economy, accounting for about 15% of GDP. However, since December 2000, when the government enacted new regulations on the financial sector, many international businesses have left The Bahamas. Manufacturing and agriculture together contribute approximately a tenth of GDP and show little growth, despite government incentives aimed at those sectors. Overall growth prospects in the short run rest heavily on the fortunes of the tourism sector, which depends on growth in the US, the source of more than 80% of the visitors.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index)   ^] ^Downvote ^to ^remove ^| ^v0.21

I'm looking for ways to geared to save for retirement, not general investment. Many mutual fund companies offer a range of target retirement funds for different retirement dates (usually in increments of 5 years). These are funds of funds, that is, a Target 2040 Fund, say, will be invested in five or six different stock and bond mutual funds offered by the same company. Over the years and as the target date approaches closer, the investment mix will change from extra weight given to stock mutual funds towards extra weight being given to bond mutual funds. The disadvantage to these funds is that the Target Fund charges its own expense ratio over and above the expense ratios charged by the mutual funds it invests in: you could do the same investments yourself (or pick your own mix and weighting of various funds) and save the extra expense ratio. However, over the years, as the Target Fund changes its mix, withdrawing money from the stock mutual funds and investing the proceeds into bond mutual funds, you do not have to pay taxes on the profits generated by these transactions except insofar as some part of the profits become distributions from the Target Fund itself. If you were doing the same transactions outside the Target Fund, you would be liable for taxes on the profits when you withdrew money from a stock fund and  invested the proceeds into the bond fund.

Are there other examples of this happening and records of stock prices and behaviors after these types of buyouts?   Could it be possible that KKR is getting the shit end of the stick? Or is this a smart move for KKR to consolidate these entities?

"This functionality is widely available, not only on brokerage sites, but also financial management and even financial information sites.  For instance, two of the latter are Google Finance and Yahoo Finance.  If you are logged in, they let you create ""portfolios"" listing your stocks and, optionally, the size of your holdings in that stock (which you don't need if you are just ""watching"" a stock).  Then you can visit the site at any time and see the current valuations."

The Fed basically took a short term view on the economy, and create inter-generational warfare by inflating asset prices.  The old folks got rich, and only the most successful millennials can afford a house.  Just wait until prices crash.  The end of the story hasn't been written yet.


Question: Appropriate model for deferred costs as a line-of-credit

There's no standard formula. You can compare the going rates on the market for unsecured LOCs and take that as the starting anchor. Unsecured lines of credit run in the US at about 8-18%. Your risk should be reflected in the rate, and I see no reason why the rate would change throughout the loan. As to the amount of principal changing? Just chose one of the standard compounding options - daily (most precise, but most tedious to calculate), monthly average balance, etc.

Thousands of public servants ride 24+ hours in C130 cargo holds and get off and perform top notch combat and/or humanitarian work for days or weeks on end.  I have no pity for the overpaid bureaucrat flying coach for 2 hours. They're unqualified for the job if a flight in coach stresses them out and causes them to under or not perform.

"> No one cried when car replaced Horse carriage  Your broad point definitely stands, but this statement is not correct.  A TON of people cried when the horse/carriage started dying - leatherworkers, cow (leather) farmers, sanitation workers. ranchers that raised & bred horses.... those industries were *gigantic* at the time and all took a huge hit.  And it definitely sucked for them - they didn't do anything wrong, but their means of livelihood were eroded and practically destroyed - and not for depleting a resource of some kind (like maybe a mine running dry).  But the relevant question is - what happened to the value of their product and is anyone at fault?  The answer is that it's pretty simply no one, and you just have to chalk it up to ""times change""."

Home care services help our elders to live on their own home and get all type of daily help they need. They provide services like bathing, grooming, dressing, and meal preparation, housekeeping etc. Home care services are a great option not only for seniors but also for their families who always want the best for them.

Generally speaking: when a company buys another company it's a complex agreement that spells out many things, including how the acquiring company is paying for the target company.  These are the most common form of payment:  1. Cash. Shareholders of the target company get cash. 2. Shares. Shareholders of the target company get shares of the acquiring company. 3. A combination of 1 and 2 above.

"Unemployment insurance provides a temporary safety net to workers who lose their jobs by replacing a portion of their salary for certain periods. Each state administers its own unemployment insurance program so some rules may vary from state to state. To receive unemployment insurance payments, you must have lost your job through no fault of your own. If you quit your job or lost it because of poor performance or another justifiable reason, you are not eligible for unemployment insurance benefits. State unemployment insurance programs require claimants to have worked sufficiently before they can claim benefits. As soon as you apply for unemployment insurance, an agency with the state in which you live will verify that you were a victim of a layoff by contacting your previous employer and making sure you lost your job due to lack of work and not an action within your control. After the state verifies you were indeed the victim of a layoff, your weekly payment is calculated. Your payment will be a percentage of what you made in your previous job, generally between 20 percent and 50 percent, depending on your state. Unemployment insurance replaces only a portion of your previous pay because it is intended to pay only for the essentials of living such as food and utilities until you find new employment. Before you begin receiving benefits, you must complete a waiting period of typically one or two weeks. If you find a new job during this period, you will not be eligible for unemployment benefits, even if the job does not pay you as much as your previous job. After the waiting period, you will begin to receive your weekly payments. Employers pay for unemployment insurance through payroll taxes. So, while employees' work and earnings history are important to funding their unemployment benefits, the money does not come from their pay. Employer unemployment insurance contributions depend on several factors, including how many former employees have received benefits. Employers pay taxes on an employee's base wages, which vary by state. California, for example taxes employers on the first $7,000 of an employee's annual earnings, while neighboring Oregon taxes up to $32,000 of wages. Employers must set aside funds each payroll period and then report taxes and pay their states quarterly. States have several categories of tax rates they charge employers. New businesses and those first adding employees pay the ""new rate,"" which is typically lower and geared toward small businesses. Established businesses who haven't paid their taxes recently or properly are usually assessed the ""standard rate"" --- the highest possible tax rate, which in 2010 ranged from 5.4 percent in several states including Georgia, Hawaii and Alaska to 13.56 percent in Pennsylvania. Businesses in good standing may receive discounts under the ""experienced rate."" Depending on the number of employees a business has and how many former employees have claimed unemployment, states can give sizable rate reductions. The fewer claims, the lower the rate a business pays in unemployment insurance taxes. As a result of the economic crisis legislation has been passed to extend Unemployment benefits.  Regular unemployment benefits are paid for a maximum of 26 weeks in most states. However, additional weeks of extended unemployment benefits are available during times of high unemployment. The unemployment extension legislation passed by Congress in February 2012 changed the way the tiers of Emergency Unemployment Compensation (EUC) are structured. A tier of unemployment is an extension of a certain amount of weeks of unemployment benefits. There are currently four tiers of unemployment benefits. Each tier provides extra weeks of unemployment in addition to basic state unemployment benefits. Emergency Unemployment Compensation (EUC) Tiers June - August 2012: Source and further information can be found here - Unemployment Tiers - About.com Sources: Unemployment Insurance(UI) - US Dept. of Labor How Does Unemployment Insurance Work? - eHow Percentage of Pay That Goes to Unemployment Insurance - eHow Additional Info: You can file for UI over the internet here are some useful resources. OWS Links State Unemployment Offices - About.com How to Apply for Unemployment Over the Internet - eHow"

> It's a huge joke. People are putting their stock in it, but there was a front page story just yesterday about another crypto currency that went from $300 to $0.10 with a single transaction.  Hi, long time crypto nerd here... Just wanted to say that transaction was on one exchange and the price pretty much went back to normal in a few seconds. Due to the lack of experience in trading some people just dump like that on a whim, its not the norm, but it does happen.    In any case, that was some +1,000 units worth which again is super rare. They likely bought a long time ago and forgot them... again, fairly uncommon.

"No, they are outselling select models than competitors who have a much broader product range. Each of those sells many times more cars than Tesla and here's a newsflash, they don't make their bread and butter selling the high end cars. Get back to me with total numbers of cars sold and a real market share figure. If the Model 3 outsells the entire range of 3-series cars or A4s, let me know. For the record, BMW sold nearly 150,000 3-series cars last year, and delivered over 2.4 *Million* cars worldwide last year. Tesla, across all models they offer sold less than half of JUST 3-series sales.  I don't know if you need a banana for scale or what but Tesla is hardly even a blip on the radar when it comes to market share, period. And no, you cannot compare their Model S to ONE model that anyone else offers, or ""COMBINEDZOMG!"", that's cherry picking and utterly useless data."


Question: What is the future of 401(k) in terms of stability and reliability?

"My guess is that the point is that yields on bonds and cash equivalents is so low that inflation will cause the inflation-adjusted returns to be negative. There is something to be said for how much inflation can eat out of investment returns. At the same time, I would note the occupation of the person making that post along with what biases this person likely has. ""Entrepreneur, Started & sold several cos, Author 11 books (latest ""Choose Yourself!"") , Angel Inv., JamesAltucher.com"" would to me read as someone that isn't who I'd turn for investment advice when it comes to employer-sponsored plans. Be careful of what you blindly follow as sometimes that is how wolves lead the sheep to slaughter."

Millennials are sure as hell not 'less materialistic' then other generations.   You're talking about post-millennials 'Gen Z'. Millennials are the children of the Boomers and as a result, share a lot of the similar characteristics. The problem with the Millennials is that they learned a lot of Boomer traits of their parents but have not been afforded the same economic opportunities as their parents where.  Gen Y and the Boomers are surprisingly some of the most liberal of  generations. However, both are incredibly materialistic whilst being socially progressive.  Gen Z, the post-millennials, grew up post 2001, post GFC. As a result of this chaotic and traumatic world which they grew up in, they tend to prize stability more then the Boomers and Gen Y do. Gen Z are more interested in work being a means to a (hopefully) stable end whereas Gen Y, Boomers see work as being an essential part of their identity as an individual. Gen Z will take many things for granted having grew up with a black President and in a country with a growing awareness of social rights (e.g legalization of same sex marriage) and as a result, will not be as socially progressive as their preceding generations.

Just guessing here… How about Daily Median price?  StockCharts provides a similar value they call VWAP. Which stands for Volume-Weighted Average Price. I believe it is a better 'average' for the day (click on link).

Document everything. Never let it be your word against her. When you have enough contact HR. As the investigation gets started make the point that your work environment has become intolerable and that you intend to work elsewhere. In the most polite of ways ask for a positive recommendation. Assuming your boss isn't fired. If she you could stay.

You might consider looking in the mirror. You are continuing to launch your verbal tirades. I've provided a significant amount of support - I could continue if you like.   You, however, have no provided any support at all. You are just some guy on the internet shouting from lonely mountain about how undergrad students should go straight to business school. It's foundationally wrong.   You don't like being challenged and I'm challenging your views. Additionally, you do know in business that you need to provide support, so saying that you don't need to back anything up flies in the face of any business sense. Simply making a comment first doesn't entitle you to a free pass, you should defend your position if you feel so strongly about it.   I do have an MBA and I'm a CFA charterholder. I'd be more than happy to connect with you outside of reddit to validate my credentials.

Kate - you should get a EIN. It will give you a layer of anonymity. If you are getting the occasional check like this, it's a way to have a number that function like an SS number, but would not be used for credit, and far tougher to use for fraud.  By coincidence, I glanced at my twitter feed and a fellow blogger posted How (and Why) to Apply for an EIN Number which goes into a bit more detail.

"Have you asked yourself why the worker is paid very little?  The private sector is efficient, that in and of itself is reason to privatize.  I have a feeling this ""better way"" you keep talking about involves me having a lot more of my property and/or income redistributed."

Go to bankrate dot com. They will have a lot of metrics there that might give you an idea and rate each category. Capitalization and profitability metrics. May not be as granular as what you are looking for though.


Question: How to prevent myself from buying things I don't want

We all buy stuff from time to time that only satisfies us for a short time. I was able to locate a few expenses that fall under that category. I see a lot answers that focus on not getting these things. I'm going to tell you how to at least attempt to have your cake and eat it too. If you can get these things without paying for them, or by paying pennies on the dollar for them, you'll no longer want to buy them at full price. Begin by making a list of the items you can't stop thinking about.  Go to your local library and look for relevant items that are on your list. If they are not yet available, request that the library purchase them, and reserve them for when the items come in.  Yes, libraries are usually tax-supported, but to give back, if you can't afford to contribute to the Library immediately, you can still promote their fund-raising or book/media-drive efforts. If you don't mind buying things that may be second hand, thrift stores and garage or yard sales can have anything. The ones near you may have one or two items on your list of things you were looking for - for pennies on the dollar.  Other items might be things you can share with friends. Borrow or swap things until you get bored of them. If you don't have a network of friends with shared interests, there may be a local freecycle or relevant meetup group you can join.  The key here is to try to contribute more than you take (and you probably have things you don't need that you can start with trading), and don't keep careful score. The upshot is you'll not only save money but make friends while doing it. You can sometimes have your cake and eat it too. These recommendations can get you the short-term happiness you were looking for, without spending the money. And when the happiness is gone, you won't feel like you need to hang on to the item indefinitely - you can pass it on for others to enjoy.

Make sure that when you have the loan you still contribute enough to get the company match. For example:  An inability to maximize the match might need to be figured into the opportunity cost of the loan. Some companies will suspend your contributions for a specific number of months for a hardship withdraw.  Make sure you understand where the money comes from for the loan. Can you count the money that the company matched but you are not vested with, when determining the maximum amount of the loan?  If the money is in what is now a closed fund can you replenish the funds back into that fund if use it to fund the loan? Know what the repayment time period is of the loan.

Yes, depending on the timing.  You generally can make a tax-free withdrawal of contributions if you do it before the due date for filing your tax return for the year in which you made them. This means that even if you are under age 59½, the 10% additional tax may not apply. These distributions are explained in Pub. 590-A.  I believe any growth is subject to the 10% penalty: The 10% additional tax on distributions made before you    reach age 59½ does not apply to these tax-free withdrawals of your contributions. However, the distribution of interest or other income must be reported on Form 5329 and, unless the distribution qualifies as an exception to the age 59½ rule, it will be subject to this tax.

This is not an answer to all of your questions but merely an eleaboration on one of your comments: Are there any other areas in the UK that would return rental yields   much above 10% net?   Shares. I could withdraw the money and buy shares for the dividend income, but it is hard to choose shares that yield more than about 6% and they are volatile. I wrote a post about using shares to invest a pension pot. http://www.sspf.co.uk/blog/016/ You may find it of some interest. Of course, the investing would take place within the pension 'wrapper' so you'd only be paying tax on the income taken out each year. The other alternatives you mention suggest paying for the expertise and time of an IFA would be a very economical decision. £1,000 to best use £150,000 seems a bargain to me. Some of the avenues you mention seem very risky from my understanding so someone to determine your tolerances and propose a holistic solution is a good path forward. Best wishes!

If the child is a dependent the question is moot. It is accepted that the parent will pay for some, most, or all of the tuition. There is no tax issue for a current student. The payment of tuition helps them qualify as a dependent. There is no need to transfer the money to the child's account; it can be sent directly to the school. If the money is to be used in the future there are accounts such as 529s pre-paid accounts, and Coverdell savings accounts that can be used. All have pluses and minuses, all can impact taxes, and all can impact financial aid calculations.

"Everything post 2009 (actually late 2007 through 2008 since that's when the financial crisis occurred) has also been a ""unique once-in-a-lifetime circumstance"". QE on this scale is unprecedented. The only time it's been done before is by the Bank of Japan in the early 2000s and that has been proven to be ineffective. Now you've got the US, the UK, and the EU all doing it."

I find it funny that I was downvoted and you were upvoted. The article about this today says that 230,000 jobs were expected, not 200,000. The unemployment rate went from 6.1% to 6.2%. So tell me again how this is good news?

I'm thinking of going with Python. Do you think other languages like HTML or Java will be of any help? and you're right. They are not taught in undergrad. So, where should I learn them from? I always feel like you don't learn the best online. But is there any site that's really good and that you'd recommend?