Question: Can two companies own stock in each other?

Yes, this can and does certainly happen. When two companies each own stock in each other, it's called a cross holding. I learned about cross holdings in reference to Japanese companies (see Wikipedia - Keiretsu) but the phenomenon is certainly not exclusive to that jurisdiction.  Here are a few additional references:

I personally don't agree with a currency union. I'd rather follow Ireland's example when they gained independence and created the Irish Pound and peg it to Sterling, which they did for over 70 years before transitioning to the Euro.   There isn't any debt to reject or default on.The UK treasury has already assured the debt market that it's 100% responsible for it.  Scotland has no responsibility for taking on any debt, but might/will in response to negotiations and in return for something.   Debt markets will be far more receptive of a country which has 0 government debt. We're not talking South Sudan or a tin pot south american country, we're talking about a mature northern european democratic state.   I should also note, that oil is a bonus, but not a required export. With oil, Scotland has higher revenue per person than the entire UK,  but if it disappeared tomorrow, we're only slightly below the UK average.  [Institute for financial studies.](http://www.ifs.org.uk/publications/6881)

The incestuous relationship between America's richest one percent and their political lackeys and lobbyists is sickening American society, and yet the press pretends that everything will be just hunky-dory when housing starts pick up. The politicians manage to conduct political campaigns totally devoid of the real issue—the huge and growing gap between the rich few and the impoverished many. Meanwhile our police, who are supposed to protect us, harass citizens exercising their First Amendment rights to assemble and protest injustice. Wake up, Wall Street: you can't shove this under the rug.

Mr. Raphael Lilla is a business enthusiast with more than 20 years of experience working in the Swiss and International financial markets. An honoured member of the International Society of Business Leaders, Raphael has a Degree in Master in Law. Currently, he is operating in the bullion market as Executive Director of SBC Group AG, Switzerland, and as Managing Director of Swiss Bullion Company International LLC, Dubai.

Each year lightning strikes cause billions of dollars in property damage and complete devastation. The harm to structures, electronics, building systems and vehicles can be extensive, causing loss of product and major downtime. To safeguard your structure from any type of Lightning damage, it is essential to get a risk assessment done by lightning consultants. Feel free to visit us at: http://www.lightningprotection.com/

As your is a very specific case, please get an advice of CA. It should not cost you much and make it easier. The sale of agriculture land is taxable in certain conditions and exempt from tax in other cases. Sale of agricultural land is subject to capital gains tax. But there are certain exemptions under Section 54B, subject to conditions, which are as follows:    If deemed taxable, you can avail indexation, ie the price at which you grandfather got [the date when he inherited it as per indexation] and pay 10% on the difference. If the price is not known, you can take the govt prescribed rate.   As there is a large deposit in your fathers account, there can be tax queries and need to be answered. Technically there is no tax liable even if your grandfather gifts the money to your father. More details at http://www.telegraphindia.com/1130401/jsp/business/story_16733007.jsp and http://www.incometaxindia.gov.in/publications/4_compute_your_capital_gains/chapter2.asp

I've never had a problem with connection or speed. But they have given me the run around since the start.   Signed up for just Internet at the beginning. They told me to try Prism TV. If I don't like it, I can cancel it within 30 days and get my money back. Canceled within 2 weeks. Still got charged for the TV.   It's been an on going battle. Let's see if this month's bill is finally correct. It's been 5 months now.

Once, back when I had a bank account, I tried to pay a large emergency dental bill with my debit card. It rejected it as it turned out the bill was less than a dollar over what I had in the account. I thought there was enough money so I tried again, 3 times. They charged me an overdraft for each attempt even though the debit never went through. This was without overdraft protection, as overdraft protection would have allowed the debit and charged me one overdraft. I don't know the details but federal regulations have changed how they do this.  To me overdraft protection rejects any debit that attempts to overdraft my account and doesn't charge me with an overdraft that didn't actually occur as a result of the charge being rejected, but that's not how it works.


Question: Sell home to buy another home for cash

The cleanest way to accomplish this is to make the purchase of your new house contingent on the sale of your old one.  Your offer should include that contingency and a date by which your house needs to sell to settle the contract.   There will also likely be a clause that lets the seller cancel the contract within a period of time (like 24-48 hours) if another offer is received.  This gives you (the buyer) at least an opportunity to either sell the house or come up with financing to complete the deal. For example, suppose you make an offer to buy a house for $300,000 contingent on the sale of your house, which the seller accepts.  In the meantime, the seller gets an offer of $275,000 in cash (no contingency).  The seller has to notify you of the offer and give you some time to make good on your offer, either by selling your house or obtaining $300,000 in financing.  If you cannot, the seller can accept the cash offer. This is just a hypothetical example; the offer can have whatever clauses you agree to, but since sale contingencies benefit the buyer, the seller will generally want some compensation for that benefit, e.g. a larger offer or some other clause that benefits them. Or do I find a house to buy first, set a closing date far out and then use that time to sell my current one? Most sellers will not want to set a closing date very far out.  Contingency clauses are far more common. In short, yes it's possible, and any competent realtor should be able to handle it.  It also may mean that you have to either make a higher offer to compensate for the contingency and to dissuade the seller from entertaining other offers, or sell your home for less than you'd like to get the cash sooner.  You can weigh those costs against the cost of financing the new house until yours sells.

"These are two different ways of processing payments. They go through different systems many times, and are treated differently by the banks, credit card issuers and the stores. Merchants pay different fees on transactions paid by debit cards and by credit cards. Debit transactions require PIN, and are deducted from your bank account directly. In order to achieve that, the transaction has to reach the bank in real time, otherwise it will be declined. This means, that the merchant has to have a line of communications open to the relevant processor, that in turn has to be able to connect to the bank and get the authorization - all that while on-line. The bank verifies the PIN, authorizes the transaction, and deducts the amount from your account, while you're still at the counter. Many times these transactions cannot be reversed, and the fraud protections and warranties are different from credit transactions. Credit transactions don't have to go to your card issuer at all. The merchant can accept credit payment without calling anyone, and without getting prior authorizations. Even if the merchant sends the transaction for authorization with its processor, if the processor cannot reach the issuing bank - they can still approve the transaction under certain conditions. This is, however, never true with debit cards (even if used as ""credit""). They're not deducted from your bank account, but accumulated on your credit card account. They're posted there when the actual transaction reaches the card issuer, which may be many days (and even many months) after the transaction took place. Credit transactions can be reversed (in some cases very easily), and enjoy from a higher level of fraud protection. In some countries (and most, if not all, of the EU) fraudulent credit transactions are never the consumer's problem, always the bank's. Not so with debit transactions. Banks may be encouraging you to use debit for several reasons: Merchants will probably prefer credit because: Consumers will probably be better off with credit because:"

If any academic framework worked, your teachers would be the richest people on the planet. However, you must read up on macro and micro economic factors and make an educated guess where the market(or stock) would be at the date of expiry. Subtract the Strike Price from your determined price and calculate your potential profit. Then, if you are getting paid more or less the same thing as of today, sell it and switch to a safer investment till expiry (For example:- Your potential profit was $10, but you are getting $9 as of today, you can sell it and earn interest(Safer investment) for the remaining time.) Its just like buying and selling stocks. You must set a target and must have a stop loss. Sell when you reach that target, and exit if you hit the stop loss. If you have none of these, you will always be confused(Personal experience).

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

Without knowing the WSC's objectives, priorities of those objectives and affordability we cannot determine which type of insurance is best. Life insurance for seniors is very expensive if you examine the per unit cost (e.g. cost per $1000 of death benefit). Therefore affordability is a critical deciding factor for WSC.  Let's assume that we know the WSC's affordability and therefore the monthly premium is a fixed determined number, then there is a inverse relationship between the length of coverage and the amount of coverage. We have to achieve a balance between these two factors to best meet the WSC's objective. If the proposed plan is not affordable then the WSC must leave out his/her objectives with lesser priorities out of the total coverage amount.

This essentially depends on how you prefer to measure your performance. I will just give a few simple examples to start. Let me know if you're looking for something more. If you just want to achieve maximum $ return, then you should always use maximum margin, so long as your expected return (%) is higher than your cost to borrow. For example, suppose you can use margin to double your investment, and the cost to borrow is 7%. If you're investing in some security that expects to return 10%, then your annual return on an account opened with $100 is: (2 * $100 * 10% - $100 * 7%) / $100 = 13% So, you see the expected return, amount of leverage, and cost to borrow will all factor in to your return. Suppose you want to also account for the additional risk you're incurring. Then you could use the Sharpe Ratio. For example, suppose the same security has volatility of 20%, and the risk free rate is 5%. Then the Sharpe Ratio without leverage is: (10% - 5%) / 20% = 0.25 The Sharpe Ratio using maximum margin is then: (13% - 5%) / (2 * 20%) = 0.2, where the 13% comes from the above formula. So on a risk-adjusted basis, it's better not to utilize margin in this particular example.

To figure this out, you need to know the price per share then vs the price per share now.  Google Finance will show you historical prices.  For GOOG, the closing price on January 5, 2015 was $513.87.  The price on December 31, 2015 was $758.88.  Return on Investment (ROI) is calculated with this formula: ROI = (Proceeds from Investment - Cost of Investment) / Cost of Investment Using this formula, your return on investment would be 47.7%.  Since the time period was one year, this number is already an annualized return.  If the time period was different than one year, you would normally convert it to an annualized rate of return in order to compare it to other investments.

Peer to peer lending isn't FDIC insured.  You can lose all your investment with peer to peer lending, whereas you will not lose your deposited money in a savings account, even if it doesn't grow very fast.


Question: Should I use an NRE or NRO account to transfer money from India to the US? Any reports needed?

Deposits into NRE account can only be done from funds outside India. So your brother cannot deposit into your NRE account.  He can deposit in NRO account or directly wire transfer the funds. Both these require some paper work depending on the amount.

Regardless of whether a stock is owned by a retail investor or an institutional investor, it is subject to the same rules.  For example, say that as part of the buyout, 1 share of Company B is equivalent to 0.75 shares of Company A and any fractional shares will be paid out in cash.  This rule will apply to both the retail investor who holds 500 shares of Company B, as well as the asset manager or hedge fund holding 5,000,000 shares of Company B.

"This information is clearly ""material"" (large impact) and ""non-public"" according to the statement of the problem.  Also, decisions like United States v. Carpenter make it clear that you do not need to be a member of the company to do illegal insider trading on its stock. Importantly though, stackexchange is not a place for legal advice and this answer should not be construed as such.  Legal/compliance at Company A would be a good place to start asking questions."

Paying yourself first involves getting some part of your income somewhat out of reach, with the intent that you don't spend it during the month.  It could be a retirement account, a savings account, or something similar. It's in contrast to saving whatever is left over at the end of the month: paying yourself last. The intent is to renormalize spending levels down, effectively living on a smaller income and saving or investing the difference.  The lower spending levels will become normal, and it won't feel quite as much like a belt-tightening exercise.

In the UK (similar laws exist throughout Europe, see European Consumer Rights Directive), you have the right to return for a refund for any goods that are bought off-premises for 14 days after delivery. http://www.which.co.uk/consumer-rights/regulation/consumer-contracts-regulations I understand that consumer protections in the USA are not as strong though.

The simple answer is that you have to read the terms and conditions when you sign up for a checking account at the bank. The process of fraud investigation varies from bank to bank.  Ultimately most banks will refund the money if you are not deemed negligent. Some banks offer quick reimbursement during fraud claims, but many will not refund the money until the investigation is complete (which can take several weeks). Checking accounts are terrible security problems. If you're looking for ways to avoid a hassle, stop writing checks and using ATM/Debit cards. If you must send checks to pay bills, use the bill-pay system that is now common with most banks (they use a service to send checks on your behalf and don't even charge you for postage unless you ask for expedited processing).

remember that IV is literally the volatility that would be present to equate to the latest price of a particular option contract, assuming the Black-Scholes-Merton model. Yahoo's free finance service lists the IV for all the options that it tracks.

The Geloman's Indian Spares provide the best Indian motorcycle parts at an affordable price. You can get a better part from our spare parts store by also considering what you will get with it. If you are going to be using the Indian motorcycle spares for the actual engine, you really should go for the best spare parts workshop. This is because they are normally warranted and you are able to take it back to the store if it's not the right thing or the right size or if it doesn't work like it should.


Question: Where do large corporations store their massive amounts of cash?

You can find out the general types of investments by reading the public corporation 10-Q report that is filed with the SEC it can be accessed via the EDGAR system. It will not tell you what securities they have, but it does identify the short term and long term investments categories and their value.

That's really high for short term debt. Do some research, short term is lower risk generally so rates are low. I'm not gonna waste my time but it would have to be real junk to pay close to that high.

"From my days in e-commerce they break down like this? The company doesn't know a debit from a credit card.  Got the Visa logo, then it is a Visa through the company's payment gateway.  The gateway talks to the bank and that is where the particulars for money is figured out. When I programmed gateway interfaces, I had the option to ""authorize"" or check for funds (which didn't reserve anything, just verified funds existed), run for batch (which put a hold on the funds and collected them at the end of the night) or just take the money. Most places did a verify during the early checkout stages and then did a batch at the end of the night.  The nightly batch allows a merchant to cancel a transaction without getting charged a fee. The ""authorize"" doesn't mean the money is tied up, although that might be your banks policy.  Furthermore, an authorize can only last for so many days.  This also explains why most of your banks don't report your transactions to you the day of.  There is a bunch more activity on your card than the transactions that complete."

"EDIT: It was System Disruption or Malfunctions August 24, 2015 2:12 PM EDT   Pursuant to Rule 11890(b) NASDAQ, on its own motion, in conjunction   with BATS, and FINRA has determined to cancel all trades in security   Blackrock Capital Investment. (Nasdaq: BKCC) at or below $5.86 that   were executed in NASDAQ between 09:38:00 and 09:46:00 ET. This   decision cannot be appealed. NASDAQ will be canceling trades on the   participants behalf. A person on Reddit claimed that he was the buyer. He used Robinhood, a $0 commission broker and start-up.  The canceled trades are reflected on CTA/UTP and the current charts will differ from the one posted below.  It is an undesired effect of the 5-minute Trading Halt.  It is not ""within 1 hour of opening, BKCC traded between $0.97 and $9.5"".  Those trades only occurred for a few seconds on two occasions.  One possible reason is that when the trading halt ended, there was a lot of Market Order to sell accumulated.  Refer to the following chart, where each candle represents a 10 second period. As you can see, the low prices did not ""sustain"" for hours.   And the published halts."

There are various exchanges around the world that handle spot precious metal trading; for the most part these are also the primary spot foreign exchange markets, like EBS, Thomson Reuters, Currenex (website seems to be down), etc. You can trade on these markets through brokers just like you can trade on stock markets.  However, the vast majority of traders on these exchanges do not intend to hold any bullion ownership at the end of the day; they want to buy as much as they sell each day.  A minority of traders do intend to hold metal positions for longer periods, but I doubt any of them intend to actually go collect bullion from the exchange.  I don't think it's even possible. Really the only way to get bullion is to pay a service fee to a dealer like you mentioned.  But on an exchange like the ones above you have to pay three different fees: So in the end you can't even get the spot price on the exchanges where the spot prices are determined.  You might even come out ahead by going to a dealer. You should try to find a reputable dealer, and go in knowing the latest trade prices.  An honest dealer will have a website showing you the current trade prices, so you know that they expect you to know the prices when you come in. For example, here's a well-known dealer in Chicago that happily shows you the spot prices from KITCO so you can decide whether their service fee is worth it or not.

Silly people  Its not what Libya and Iraq lacked   Its what North Korea and Pakistan Have and what Ukraine had but gave away . .poor fools  and what Iran and Saudi Arabia should have  Chocolate covered doughnuts with a nice yellow cake middle and sprinkles on top

"Verbal agreements are not legally binding. Unless you have signed a new lease agreement, you are not obligated to continue renting the property - you are free to go.  On the other hand, if you really like the place and want to stay, you should sign another lease agreement. This agreement will be binding on whomever owns the home - whether it is your current landlord, a bank or a new purchaser.  But, if you go this route, make sure that there is not a clause that says the lease agreement is void upon foreclosure (or something similar). This is a standard clause in lease agreements allowing the bank to cancel the lease. Another option, if you really like the house is to offer to buy the property. If the property is being foreclosed on, you could suggest buying on a short sale. Here is a link to an article I wrote entitled ""Buy Instead of Rent: A Recovering Real Estate Market"" that discusses the benefits of buying rather than renting."

This!  5) 3rd shifts. China will continue to produce your product after the run is done and direct sell it. Bring in the white guy. At the end of the day, he is to take the moulds with him. Arrange this ahead of time. Sometimes they'll sell all the pieces that failed QC with your product name on it. Then thousands of angry customers are contacting you and complaining about broken products, demanding refunds. Have the destruction of failed QC products babysat.   This is why getting components made in china but assembly in North America is a lot smarter. Use different factories for different parts, redo QC steps here.  An underwater scooter manufacturer had their product made in china. They knew they would be knocked off so they sabotaged their own product. They spec'd the scooter with seals that would intentionally fail, they deleted the catalytic battery caps and some key safety systems. An 'overhaul/QC' line was set up in North America where they tore down every scooter, did their own QC and replaced the seals, caps and other components. Surprise! 2 months later Chinese clone scooters hit our shores and during testing they all imploded and failed during the first dives.


Question: Should I finance a new home theater at 0% even though I have the cash for it?

"Be very careful with this.  When we tried this with furniture, they charged an ""administrative"" fee to setup the account.  I believe it was about $75.  So if you defer interest for one year on a $1000 purchase and pay a $75 administrative fee, it's 7.5% interest. Also, they don't always send you a bill when it's due, they just let you go over the date when you could have paid it without paying interest, and then you owe interest from the date of purchase.  These plans are slimy.  Be careful."

>We actually had to request a few of them to come back in part-time since it is rather difficult to find experienced machinists.  That's the scary part.   There's no entry path into these jobs.   A lot of companies only seem to want to hire people who somehow earn these skills through osmosis and don't want to hire people on straight out of school.  Some career paths are easier than others, but it really feels in some cases like it's a closed loop.    Teachers for example are clinging to their career long after they should.

Why don't you just put your down payment on one of your credit cards? (Note: I'm not actually suggesting that you do this. Please read on.) There are a few reasons why you wouldn't (or couldn't) do this: The interest rates on the cards you have is very high.  You don't have enough of a credit limit on any one of your cards for the down payment.  These two reasons highlight the answer to your question.  Credit card companies charge very high interest rates. These high rates allow them to make money even when some of their customers default. They know that not everyone will pay them back, so they make sure to make a hefty profit on those who do.  Secondly, credit card limits are often much lower than the amounts of car and home loans. This limits the risk to the credit card company. Sure, you have $100,000 in total credit limit, but this is split among nine different companies.  When a bank offers a traditional loan for a large sum of money at relatively low interest, they need to be able to limit their risk somehow. They do this by ensuring that their customers actually have the ability to pay them back.

"I'm not a fan of ""You have $2000 worth of transactions before you have to give us your checking account number"", even though they are nice enough to let us delete and recreate our accounts.  I wonder how many of the cuts are engineers and how many are bureaucrats."

I highly doubt Walmart will be killed off by Whole Foods-Amazon. Sure you can buy tons of organic food at Wal mart and prices there might get squeezed but is Whole Foods brick and mortar stores also going to start carrying motor oil, tires, and cheap ass Hanes white shirts? I know Amazon carries those but it's still online.

H1B visas are not terrible, and I am not against all H1B visas. However, it is a bald faced lie to suggest the number 1, if not only, reason companies use them is to cut labor costs. These companies are not advertising they could have hired local talent, but chose to provide the job to someone from a poorer region.  I think whatever city everybody in the world wants to work or go to school, like Tokyo or London or Paris or Boston, that is going to have the world's best talent. Also, if those people go back to their homelands, they don't bring with them the ideas from the city they worked or matriculated, but rather the best ideas from all over the world.  That isn't at all what is happening in technology. There are plenty of computer science and electrical engineer majors in the USA out of work, and some making six figures with a BS degree and 3 years experience, but so many are out of work. Many of those jobs were outsourced, but the talent used was so poor, the cost to upkeep or update was so expensive, that many companies brought back the jobs to the USA. Those companies still want to hire the same low cost workers, but want them working in the USA for reasons I will spare, here. The USA talent pool is so full, and jobs so scarce, it drives down wages; not actually, because what really happens in the company is toxic to work for, and demands 16 hour days, 7 days a week, for the same great salary that may have once been 40 hours a week with fun puzzles and entertainment and space and a gym on site, etc.  Stopping H1B visas would force companies to bring back their on site gyms, large break rooms, increase work life balance, etc.  Stopping H1B visas mean a lot of billion dollar tech companies would have to pay their shareholders and executives *less* this year than last year, which is outrageous in the **race to the bottom**

Ashland Global Holdings Inc. (ASH) sold off their ownership in Valvoline Inc. (VVV).  Friday, May 12 was the distribution date of the sale; at the end of the day, every stockholder of ASH received 2.745338 shares of VVV stock for each share of ASH held.  That is why the value of ASH has dropped significantly on open this morning. Sources:

Looks like it's $500 to start (certificate of organization) and $500 per year after that (for an annual report). Start here: http://1.usa.gov/haxLUB And that's just for the state to recognize you as an LLC.


Question: I file 83(b) election, but did't include a copy of it in that year’s tax return

"I've consulted with 5-6 accountants and people who've had the issue before. The advice I received boils down to: ""If you do not attach your 83b with your personal tax return it is not effective. However you can still correct the requirement to file it along with your tax return, because you are within the 3 year window of when the return was originally due."" So you can amend your return/file it late within a certain window and things should be OK. The accountants that have confirmed this are Vanessa Kruze, Wray Rives and Augie Rakow - all of them corporate and credible accountants. You also need to keep onto the confirmation the IRS sent you in case of an audit. There is nothing on IRS.gov about attaching your 83b on a filed late or amended return but those accountants are people who say they've seen it happen frequently, have consulted with the IRS for solutions and that's the one they'd advise one to do in such situation. disclaimer: I am not a CPA"

One advantage not pointed out yet is that closed-end funds typically trade on stock exchanges, whereas mutual funds do not.  This makes closed-end funds more accessible to some investors. I'm a Canadian, and this particular distinction matters to me.  With my regular brokerage account, I can buy U.S. closed-end funds that trade on a stock exchange, but I cannot buy U.S. mutual funds, at least not without the added difficulty of somehow opening a brokerage account outside of my country.

What options do I have? Realistically?  Get a regular full time job.  Work at it for a year or so and then see about buying a house. That said, I recently purchased a decent home.  I am self-employed and my income is highly erratic.  Due to how my clients pay me, my business might go a couple months with absolutely no deposits.   However, I've been at this for quite a few years.  So, even though my business income is erratic, I pay myself regularly once a month.  In order to close the deal with the mortgage company I had to provide 5 years worth of statements on my business AND my personal bank accounts.  Also I had about a 30% down payment.   This gave the bank enough info to realize that I could absolutely make the payments and we closed the deal. I'd say that if you have little to no actual financial history, don't have a solid personal income and don't have much of a down payment then you probably have no business buying a house at this point.  The first time something goes wrong (water heater, ac, etc) you'll be in a world of trouble.

The reality is that for labor is cheap for software startups. A couple of founders can usually take a prototype to the point where they can get the seed capital to hire labor at market rates, so why would they give up significant equity to employees? Plus, if they need cheap employees, there are always contractors and naive new grads who will gladly take below-market salary for 0.1% of the company. (in options, vested over four years, of course)

"Well, the first one is based on the ""Pert"" formula for continuously-compounded present value, while the second one is the periodically-compounded variant.  Typically, the continuously-compounded models represent the ideal; as the compounding period of time-valued money shrinks towards zero, and the discount rate (or interest rate if positive) stays constant over the time period examined, the periodic equation's results approach that of the continuously-compounded equation. Those two assumptions (a constant rate and continuous balance adjustment from interest) that allow simplification to the continuous form are usually incorrect in real-world finance; virtually all financial institutions accrue interest monthly, for a variety of reasons including simpler bookkeeping and less money paid or owed in interest. They also, unless prohibited by contract, accrue this interest based on a rate that can change daily or even more granularly based on what financial markets are doing. Most often, the calculation is periodic based on the ""average daily balance"" and an agreed rate that, if variable, is based on the ""average daily rate"" over the previous observed period. So, you should use the first form for fast calculation of a rough value based on estimated variables. You should use the second form when you have accurate periodic information on the variables involved. Stated alternately, use the first form to predict the future, use the second form in retrospect to the past."

"Again, one of the most reliable news sources in the world:  https://mediabiasfactcheck.com/new-york-times/  ""Factual Reporting: HIGH""  If you listen to Trump or Breitbart, then you may not think so, but those are the moguls of fake news. Objective review shows that NYT is highly accurate.  And just so we're clear, Forbes, a conservative business magazine, calls the NYT the most accurate news source in the US: https://www.forbes.com/sites/berlinschoolofcreativeleadership/2017/02/01/10-journalism-brands-where-you-will-find-real-facts-rather-than-alternative-facts/#a8aaa70e9b5a"

I'm amazed anyone is able to airbnb honestly.  I've stayed in about 6 of them, and most neighborhoods and apartment complexes are super butthurt about airbnb, when like half of the people living there are large families or have more people in a unit than an airbnb anyways.  2 people staying in a 3br when 1 or two people stay there normally is no different than 4 people living in the 3br yearround, except that the airbnb example uses less apartment and community resources anyways.

A professional home inspection will clue you in on any problems you might be buying, so it's important in any real estate transaction. If the seller finances the loan, you need a lawyer. It might be a nice opportunity - being in the right place at the right time.  You just have to investigate all angles.


Question: Are traders 100% responsible for a stock's price changes?

"Traders = every market participant. Not some shadow figure that excludes you just because you passively drop cash into a 401k Vanguard fund every paycheck. So yes, if everyone stopped trading then the price won't move. Trades are 100% responsible for the prices you see on charts and tickers. A stock won't be worth ""$100"" if nobody ever traded $100 for it. It only has that price now or in the past because somebody placed an order for it at $100 and somebody else filled that order at $100"

Thank you, finally somebody else who is able to explain this basic premise.   It's odd how many people operate on the assumption that businesses operate on a margin so thin that every $1 of increased cost must be added to the product price. It just bears no resemblance to reality...

uh, pretty sure it goes to Cap Hill with UW coming soon. it is one line but if you live near it i hear it's amazing. and a ton of people live near it. now the cap hill streetcar on the other hand..

That is a pretty exclusive club and for the most part they are not interested in highly volatile companies like Apple and Google. Sure, IBM is part of the DJIA, but that is about as stalwart as you can get these days. The typical profile for a DJIA stock would be one that pays fairly predictable dividends, has been around since money was invented, and are not going anywhere unless the apocalypse really happens this year. In summary, DJIA is the boring reliable company index.

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"You are correct. There's no reason for it even though UAVs can do it. An auto pilot isn't going to land you in the East River with much success.  edit: You can kick the auto-pilot in at a pretty low altitude. Imagine accidentally activating the ""auto take off feature""? Yeesh! Plus, (as a former private pilot myself) the pilot is generally scanning the engine instruments for green while the throttles are pushed up."

My wife has subscribed for trips or whatever so she could preload stuff for offline play.  Total shit show.  Wasn't clear when stuff was actually downloaded.  Seemingly downloaded stuff wouldn't play.  We're going for a long trip in a couple months and would like to subscribe again to pre-load stuff, not sure it is worth it.  We've only used it on Android and it is definitely far from stable.  Crashes are _very_ common.  Having to kill the app and restart it is almost a daily occurrence.  Crashing like the one I screenshot isn't surprising or unusual.  It really is a garbage app.  If possible I'll often use youtube instead if the content is there too, even though that means my screen needs to stay on to keep playing.  We have Google Nexus phones from right before they switched to the Pixel name.  So they're about as vanilla standard Android as phones can get.

I would suggest talking to your parents about potentially co-signing on the loan with you. Just make sure that you are the primary holder of the loan. Sure, there is some risk for your parents, but they know you better than anyone so let them make the decision if they want to help you or not.  If for some reason they can't help you, such as they've declared bankruptcy, then following the other answers' advice is the way to go.


Question: Where to invest proceeds from home sale to be used to buy new house within five years?

"For a two year time frame, a good insured savings account or a low-cost short-term government bond fund is most likely the way I would go. Depending on the specific amount, it may also be reasonable to look into directly buying government bonds. The reason for this is simply that in such a short time period, the stock market can be extremely volatile. Imagine if you had gone all in with the money on the stock market in, say, 2007, intending to withdraw the money after two years. Take a broad stock market index of your choice and see how much you'd have got back, and consider if you'd have felt comfortable sticking to your plan for the duration. Since you would likely be focused more on preservation of capital than returns during such a relatively short period, the risk of the stock market making a major (or even relatively minor) downturn in the interim would (should) be a bigger consideration than the possibility of a higher return. The ""return of capital, not return on capital"" rule. If the stock market falls by 10%, it must go up by 11% to break even. If it falls by 25%, it must go up by 33% to break even. If you are looking at a slightly longer time period, such as the example five years, then you might want to add some stocks to the mix for the possibility of a higher return. Still, however, since you have a specific goal in mind that is still reasonably close in time, I would likely keep a large fraction of the money in interest-bearing holdings (bank account, bonds, bond funds) rather than in the stock market. A good compromise may be medium-to-high-yield corporate bonds. It shouldn't be too difficult to find such bond funds that can return a few percentage points above risk-free interest, if you can live with the price volatility. Over time and as you get closer to actually needing the money, shift the holdings to lower-risk holdings to secure the capital amount. Yes, short-term government bonds tend to have dismal returns, particularly currently. (It's pretty much either that, or the country is just about bankrupt already, which means that the risk of default is quite high which is reflected in the interest premiums demanded by investors.) But the risk in most countries' short-term government bonds is also very much limited. And generally, when you are looking at using the money for a specific purpose within a defined (and relatively short) time frame, you want to reduce risk, even if that comes with the price tag of a slightly lower return. And, as always, never put all your eggs in one basket. A combination of government bonds from various countries may be appropriate, just as you should diversify between different stocks in a well-balanced portfolio. Make sure to check the limits on how much money is insured in a single account, for a single individual, in a single institution and for a household - you don't want to chase high interest bank accounts only to be burned by something like that if the institution goes bankrupt. Generally, the sooner you expect to need the money, the less risk you should take, even if that means a lower return on capital. And the risk progression (ignoring currency effects, which affects all of these equally) is roughly short-term government bonds, long-term government bonds or regular corporate bonds, high-yield corporate bonds, stock market large cap, stock market mid and low cap. Yes, there are exceptions, but that's a resonable rule of thumb."

Jordan, no need to worry about adult stuff, you go play with your friends in the sand box. Let mommy and daddy worry about that.  EDIT: Why are you all downvoting me? i explained it to him as though he were five. ITS A JOKE.

Probably because it's a question of Excel vs Access, not VBA vs SQL. You probably don't need VBA for any of the calcs that the OP mentions.  Excel is the one tool everyone uses in Finance. CR and SSRS require tools and permissions that the average guy simply won't have, and a level of expertise that is not useful for most front/middle-office analysis work.  I usually see these done in Excel. SSRS and CR seem like way overkill for something done trivially and transparently in Excel, whose presentation will change frequently anyway.  Depending on what OP is talking about, analysis is not reporting, and flexibility and transparency usually win. Especially when you want to poke around the underlying data and iterate with other people.  SSRS and CR only make sense when you know what you're looking for, that the data is appropriate for it and you don't expect it to change.

"I'll try to give you some clues on how to find an answer to your question, rather than answering directly the question asked.  Why not answer it directly? Well, I can, but it won't help you (or anyone else) much in two months when the rates change again. Generally, you won't find such in brick-and-mortar banks. You can save some time and only look at online banks. Examples: ING Direct (CapitalOne), CapitalOne, Amex FSB, E*Trade, Ally, etc. There are plenty. Go to their web sites, look for promotions, and compare. Sometimes you can find coupons/promotions which will yield more than the actual savings rate. For example, ING frequently have a $50 promotion for opening a new account. You need to understand that rates change frequently, and the highest rate account today may become barely average in a week. There are plenty of sites that offer various levels of comparison information. One of the most comprehensive ones (IMHO) is Bankrate.com. Another place to look is MoneyRates.com. These sites provide various comparisons, and you can also find some promotions advertised there. There are more similar sites. Also, search the Internet and you can find various blog posts with additional promotions – frequently banks give ""referral bonuses"" to provide incentive for clients to promote the banks. Do some due diligence on the results that appear promising. Not much. You won't find any savings account that would keep the value (purchasing power) of your money over the long term. Keeping money in savings accounts is a sure way to lose value because the inflation rate is much higher than even high-yield savings accounts. But, savings accounts are safe (insured by FDIC/NCUA up to the limit), and very convenient to keep short term savings – such as an emergency fund – that you cannot afford to lose to investments. Sometimes you'll get slightly better rates by locking up your money in a Certificate of Deposit (CD), but not significantly higher when the CD is short-term."

Here are some significant factors affect the company stock price performance: Usually, profitability is known to the public through the financial statements; it won't be 100% accurate and people would also trade the stock with the price not matching to the true value of the firm. Still there are dozens of other various reasons exist. People are just not behaving as rational as what the textbook describes when they are trading and investing.

Are you looking for something like Morningstar.com?   They provide information about lots of mutual funds so you can search based on many factors and find good candidate mutual funds. Use their fund screener to pick funds with long track records of beating the S&P500.

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You should not pay down the debt in collections until you have a reasonable amount of money to offer as a settlement. The exception is the traffic fines -- you may have legal liability for not paying them.


Question: ESPP cost basis and taxes

If the $882 is reported on W2 as your income then it is added to your taxable income on W2 and is taxed as salary. Your basis then becomes $5882. If it is not reported on your W2 - you need to add it yourself. Its salary income. If its not properly reported on W2 it may have some issues with FICA, so I suggest talking to your salary department to verify it is. In any case, this is not short term capital gain. Your broker may or may not be aware of the reporting on W2, and if they report the basis as $5000 on your 1099, when you fill your tax form you can add a statement that it is ESPP reported on W2 and change the basis to correct one. H&R Block and TurboTax both support that (you need to chose the correct type of investment there).

The other answers assumed student loan debt -- and for that, it's rarely worth it (unless your company only offers managed plans w/ really bad returns, or the economy recovers to the point where banks are paying 5% again on money market accounts) ... but if it's high rate debt, such as carrying a credit card debt, and the current rate of returns on the 401k aren't that great at the time, it would be worth doing the calculations to see if it's better to pay them down instead. If you're carrying extremely high interest debt (such as 'payday loans' or similar), it's almost always going to be worth paying down that debt as quickly as possible, even if it means forgoing matching 401k payments. The other possible reason for not taking the matching funds are if the required contributions would put you in a significant bind -- if you're barely scraping by, and you can't squeeze enough savings out of your budget that you'd risk default on a loan (eg, car or house) or might take penalties for late fees on your utilities, it might be preferable to save up for a bit before starting the contributions -- especially if you've maxed your available credit so you can't just push stuff to credit cards as a last resort.

>First, federal labor law bars even non-union employers like Google from punishing an employee for communicating with fellow employees about improving working conditions. The purpose of the memo was to persuade Google to abandon certain diversity-related practices the engineer found objectionable and to convince co-workers to join his cause, or at least discuss the points he raised.   >In a reply to the initial outcry over his memo, the engineer added to his memo: “Despite what the public response seems to have been, I’ve gotten many personal messages from fellow Googlers expressing their gratitude for bringing up these very important issues which they agree with but would never have the courage to say or defend because of our shaming culture and the possibility of being fired.” The law protects that kind of “concerted activity.”   >Second, the engineer’s memo largely is a statement of his political views as they apply to workplace policies. The memo is styled as a lament to “Google’s Ideological Echo Chamber.” California law prohibits employers from threatening to fire employees to get them to adopt or refrain from adopting a particular political course of action.  https://www.cnbc.com/amp/2017/08/07/it-may-be-illegal-for-google-to-punish-engineer-over-anti-diversity-memo-commentary.html  The employee was also fired after making a complaint to the NLRB. >Damore said he was exploring all possible legal remedies, and that before being fired, he had submitted a charge to the U.S. National Labor Relations Board (NLRB) accusing Google upper management of trying to shame him into silence.   https://www.reuters.com/article/us-google-diversity-idUSKBN1AO088

You are currently $30k in debt.  I realize it is tempting to purchase a new car with your new job, but increasing your debt right now is heading in the wrong direction.  Adding a new monthly payment into your budget would be a mistake, in my opinion. Here is what I would suggest.  Since you have $7k in the bank, spend up to $6k on a nice used car.  This will keep $1k in the bank for emergencies, and give you transportation without adding debt and a monthly payment.  Then you can focus on knocking out the student loans.   Won't it be nice when those student loans are gone?  By not going further into debt, you will be much closer to that day.  New cars are a luxury that you aren't in a position to splurge on yet.

"Yes, there are legal problems with what he did. To prevent fraud, the US government regulates who can give public investment advice and how they can do it. If you're getting paid to advise an individual, you have to pass certain examinations and maintain ongoing government certification. If you hold a position in a stock you're touting, you legally have to disclose it using particular language. And if you're a corporate insider or hold a significant position in a company, you're restricted on what you can say about the company and when you can say it. Mr. Jackson, aka 50 Cent, held a significant position in the company he tweeted about. My guess is the guys in the suits came to visit Mr. Cent, because if you go to the article the OP links to, at the bottom they mention Mr. Cent's tweet has been deleted and replaced with ""go talk to your investment advisor""."

The assumption that bonds have been issued with a negative coupon is not correct, or at least is has not occurred thus far.  We'll look at this future possibility in the final paragraph. For now, lets look at the current bond market. The issuance of government bonds which carry a negative gross redemption yield is the result of governments issuing bonds at an issue price which exceed the nominal/redemption price and any coupon yield receivable over the life of the bond.  I can find no instances of bonds with a negative coupon, though many have tiny positive coupon yields. The short seller of a bond with a negative gross redemption yield will be liable to pay the buyer the interest amount determined by the coupon.  If the short seller has borrowed the bonds in order to sell them, then the short seller will receive the interest due from the lender to offset the interest paid to the buyer.  If the short seller has not borrowed the bonds, but has sold them using some sort of synthetic contract such as a Contract for Difference, then the short seller will pay the coupon without receiving any offsetting payment. I thought this was an interesting question and it will be interesting to see if, at some time in the future, governments do ever issue bonds with a negative coupon.  To date, this does not appear to have happened. So what would happen if we assume that a government issues a bond with a negative coupon.  The buyer of the bond would be required to pay the equivalent yield to the government according to the bond contract specification.  If an investor sells short such a bond, they would then become entitled to receive the interest from the buyer.  If they have borrowed the bonds in order to sell them short, then they would pay any interest received back to the lender - this chain should eventually end with the ultimate owner/lender paying the government their dues.  If they have sold short using a synthetic contract, then presumably they would keep the interest from themselves.

Yes that is actually on the win side for ebooks. The only thing is I'm not sure you can leave your account to your heirs but they probably don't feel like dealing with your big physical library of things they don't care about - so not really much loss there.

I work at BATS Chi-X Europe and wanted to provide some clarity/answers to these questions. BATS Chi-X Europe is a Recognised Investment Exchange, so it is indeed a stock exchange.  Sometimes the term “equity market” could be used when explaining our business, but essentially we are a stock exchange.  As some background, BATS Chi-X Europe was formed by the acquisition of Chi-X Europe by BATS Trading in November 2011. At the time of the acquisition, each company operated as a Multilateral Trading Facility (MTF) for the trading of pan-European equities via a single trading platform. The category of MTF was introduced by MIFID (markets in Financial Instrument Directive) in 2007, which introduced competition in equities trading and allowed European stocks, to be traded on any European platform. Until 2007, many European stocks had to be traded only their local exchanges due to so-called “Concentration Rules”. Following the acquisition, BATS Chi-X Europe became the largest MTF in Europe, offering trading in more than 2,000 securities (2,700 securities by September 2013) across 15 major European markets, on a single trading platform.  In May 2013, BATS Chi-X Europe received Recognised Investment Exchange status from the UK Financial Conduct Authority, meaning that BATS Chi-X Europe has changed from an MTF status to full exchange status. In response to question 1: The equities traded on BATS Chi-X Europe are listed on stock exchanges such as the LSE but also listed on the other European Exchanges. The term “third party” equities is not particularly useful as all stock trading in Europe is generally a “second hand”  business referred to as “secondary market” trading. At the time of listing a firm issues shares; trading in these shares after the listing exercise is generally what happens in equity markets and these shares can be bought and sold on stock exchanges across Europe. Secondary market trading describes all trading on all exchanges or MTFs that takes place after the listing. In response to question 2: BATS Chi-X Europe trades over 2,700 stocks on its own trading platform. When trading on BATS Chi-X Europe, orders are executed on their own platform and will not end up of the LSE order books or platform. The fact that a stock was first listed on the LSE, does not mean that all trading in this stock happens via the LSE. However settlement process ensures that stocks end up being logged in a single depository. This means that a stock bought on BATS Chi-X Europe can be offset against the same stock sold on the LSE.  In response to question 3: As noted above, BATS Chi-X Europe received Recognised Investment Exchange (RIE) status from the UK Financial Conduct Authority in May 2013, meaning that BATS Chi-X Europe has changed from an MTF status to full stock exchange status. As an exchange / RIE, BATS Chi-X Europe is authorised to offer primary and secondary listings alongside its existing business.  According to the Federations of European Securities Exchanges (FESE), BATS Chi-X Europe has been the largest equity exchange in Europe by value traded in every month so far in 2013. In August, 24.1% of European equities trading in the 15 markets covered were traded on BATS Chi-X Europe. In July and August, the average notional value traded on BATS Chi-X Europe was around €7.2 billion per day. Hope this information is helpful.


Question: Deducting business expenses paid for by gift card

To quote the answer you linked to: Perhaps the simplest way to think about this is you can only deduct an expense that you actually incur. In other words, the expense should show up on a bank or CC statement. So, if your business purchased the $1000 gift card for $800, you should see a $800 charge appearing on a business CC or bank statement. You would therefore be able to deduct the $800, but not the full $1000 of items that you purchase with it. Side Notes:

Delta hedging is not the same as being delta neutral, what you just described is being delta neutral. There exist reasons for a retail trader to be conscious of delta when choosing an option.

The reason I don't know of any banks who would offer this to you (even if you held the investment account with their bank) is that there is no upside to the bank. It is a good idea for you, but what would they have to gain from this arrangement?  The reason banks require a down payment is underwriting quality. If you can afford a significant down payment, they know that there is a significantly lower chance that you will default. However, if you were to provide an investment account as collateral, you would receive all the upside, and any downside would reduce their collateral as a percent of the amount loaned. This sort of idea could potentially work along the lines of a margin call (ie you have to provide additional capital if your asset value drops), but this would have the effective of leveraging the bank's risk, when their objective is to lower their risk through requiring a down payment. I don't see a reason why the bank would take on the risk that you would need to provide additional capital down the road with no upside for them. Additionally, many banks have backed away from the kinds of zero-down-payment and negative-amortization-ARM loans that got them (or the people they sold them to) in trouble over the last few years in an effort to reduce how much risk they take on. I think that in theory, you'd have to offer a lot more benefit to the bank, and that in practice it's probably a non-starter right now.

You do not need to have 'high net value', and yes, you can invest in it. Typically, fund companies require a minimum investment, that could be 100, it could be a 1000. 5000 should be enough for 99.9 % of all funds for an initial investment. What you need is an investment company that manages the account for you. I cannot name those for your country, but they should be easy to find (companies like IMG, and Fidelity might serve your country). You then open an account with the company of your choice, transfer the money, and tell them which fund it shall go in; all this is possible online. You can also go to see an agent in person, and he will fill the forms for you, and handle all the action, but he might take a fee for it.

Yup. I scrutinize the income statement I receive from my employer every year. What I make vs what the company actually invests in me as an employee is really astounding. Beyond my hourly wage, the company pays for my health insurance premium (all but $10/check), and pays for a medical flex-spending account. On top of this (I know this isn't taxes but it's still an expense and government sanctioned) if I do some dumbass thing to get myself hurt at work, they'd pay all medical bills since it happened on their property.   We recently had a bit of a wake-up call this summer, as the board of directors warned everyone that the current medical plan our company provides to us is not sustainable, and will have to undergo changes (we're going to either start paying for our premiums, decrease our flex accounts, or charge smokers additional fees) beginning Jan 1st. Lots of people are complaining about this. I don't think they're aware of the horde of expenses and fees that the company swallows for them in other ways.  There's property taxes, business income taxes, excise taxes, customs/duty taxes, state taxes... along with meeting the restrictions and standards of certain governmental agencies (like OSHA). I don't know how a small business owner could ever maintain control over all of this financial mess and be able to help their customers or other employees.   There's OSHA, a profit-seeking (through citations) business now, instead of a partner and ally to businesses. A typical 'violation' is $70K, and a 'repeat' violation is $140K. Imagine running a small grocery store, and having to pay this fine because you accidentally had a piece of styrofoam lying on top of a cooler not built to withstand overhead weight. Or because someone wasn't wearing safety shoes in the store. You'd simply go out of business.

subsidy - financial support. For example subsidized housing - when the government pays a part of your rent (usually for low income families). or subsidized student loan - when somebody else is paying interest on the money you borrowed while you are in school.

Education in India has always been the need of the hour. Education implies to the growth of every human being in the society in the form of mentality, knowledge, difference between right and wrong etc. The importance of education not only related to the development of intellectual skills and knowledge but also to the effective…

Aha, perhaps...also, perhaps someone like Louis with a product such as this, to the (reasonably) technically literate while pushed through a next-generation service that isn't rapacious when it comes to something as simple as digitally moving money...perhaps it's time.  Shake our fists to the heavens, and all.


Question: Tax brackets in the US

"Yes, your tax bracket is 25%.  However, that doesn't mean that your take home pay will be 75% of your salary.  There is much more that goes into figuring out what your take home pay will be. First, you have payroll taxes.  This is often listed on your pay stub as ""FICA.""  The Social Security portion of this tax is 6.2% on the first $118,500 of your pay and the Medicare portion is another 1.45% on the first $200,000.  (Your employer also has to pay additional tax that does not appear on your stub.)  So 7.65% of your salary gets removed off the top. In addition to the federal income taxes that get withheld, you may also have state income taxes that get withheld.  The amount varies with each state. Also, the 25% tax bracket does not mean that your tax is 25% of your entire salary.  You step through the tax brackets as your income goes up.  So part of your salary is taxed at 10%, part at 15%, and the remainder is at 25%. The amount of federal income tax that is withheld from your paycheck is really a rough estimate of how much tax you actually owe.  There are lots of things that can reduce your tax liability (personal exemptions, deductions, credits) or increase your tax (investment income, penalties).  When you do your tax return, you calculate the actual tax that you owe, and you either get a refund if too much was taken out of your check, or you need to send more money in if too little was taken out."

"I just wanted to give you a different perspective, as I own a house (purchased with a mortgage), with my girlfriend. I think it can be done safely and fairly, but you do need to involve legal help to do it right. There really is nothing to be terrified about, the extra cost to set this up was almost irrelevant in the bigger picture of legal costs around purchasing and the documents describing the ownership scheme are quite straightforward. Maybe it's a UK thing, but it seems rather commonplace here.  We've chosen to hold this as ""tenants in common"" and use a trust deed for this when we purchased. We had a solicitor write the trust deed and it clearly states what percentage of the house is owned by either party and exactly what the steps would be taken, should we decide to end the trust (e.g. in case of a split-up). This includes things like the right to buy out the other person before selling on the market etc.  We also had to make wills separately to indicate what should happen with our percentage of the property in case one of us died as with this type of ownership it doesn't automatically go to the other person.  Finally we're both on the mortgage, which I guess is the main difference versus your situation. But again, you could get legal advice as to how this should best be handled."

*People clamoring for more and more regulation will always be disappointed because businesses will always find ways to get around it.*  This is only true in America where we have too many retards who believe regulation doesn't work (thus you get broken regulation you basically wished for).  Canada's financial regulatory system (which actually has teeth, unlike their American counterparts) did a magnificent job avoiding the financial meltdown.

I know folks who considered retiring to another country. Their conclusion was that while base cost of living was lower, the cost of the things that they enjoy doing -- not to mention the cost of spending time with friends they didn't want to give up -- would be sufficiently higher to erase most of the advantages. Those of us who grew up in or close to cities feel much the same way about moving out to less-populated and less-expensive parts of our own country.  Basically, when cost of living is high it tends to be because there are more people who want to live there and are competing for resources (and driving prices up). Low cost of living is generally tied to less-desired locations, for the same reasons. IF you can find a location that appeals to you, and if you can get the resources there which your preferred lifestyle requires, this may make sense. For a while there were a number of professional writers moving from the US to Ireland, in part because the Irish tax structure heavily favored writers and other creative artists. (Katherine Kurtz spent several years living in a renovated Irish castle.) I'm not sure how many have stayed there after the novelty wore off.

Because they found their scapegoat.  They will parade and flog him while all his former coworkers are able to hide in his shadow.  He will be the public spectacle to show that the government is being tough on banks and CEO's, while they do nothing about the revolving door between finance and government he waltzed back and forth through.

I made upwards of 3M from 200K by trading stocks, which I made from a business that I invested 20K in.  HOWEVER, DO NOT use trading stocks as a source of income, you're gambling with your precious cash. There are safer alternatives.

"Rebalancing has been studied empirically quite a bit, but not particularly carefully and actually turns out to be very hard to study well.  The main problem is that you don't know until afterward if your target weights were optimal so a bad rebalancing program might give better performance if it strayed closer to optimal weights even if it didn't do an efficient job of keeping near the target weights. In your particular case either method might be preferred depending on a number of things: You can see why there isn't a generally correct answer to your question and the results of empirical studies might very wildly depending on the mix of assets and risk tolerance.  Still if your portfolio is not too complicated you can estimate the costs of the two methods without too much trouble and figure out if it is worthwhile to you. EDIT In Response to Comment Below: Your example gets at what makes rebalancing so hard empirically but also generally pretty easy in practice.  If you were to target 75% Equity (25% bonds?) and look at returns only for 30 years the ""best"" rebalancing method would be to never rebalance and just let 75% equity go to near 100% as equity has better long term returns.  This happens when you look only at returns as the final number and don't take into account the change in risk in your portfolio. In practice, most people that are still adding (or subtracting in retirement) to a retirement portfolio are adding (removing) a significant amount compared to the total amount in their portfolio.  In the case you discribe, it is cheaper (massively cheaper in the presence of load fees) just to use new capital to trade toward your target, keeping your risk profile.  New money should be large enough to keep you near enough your target.  If you just estimate the trading costs/fees in both cases I think you'll see just how large the difference is between the two methods this will dwarf any small differences in return over the long run even if you can't trade back all the way to your target."

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Question: What is the economic explanation for the high cost of weddings?

"There is the price they want and the price you pay. Everything is negotiable when its a service (always possible, but usually harder with actual ""goods""). You should always haggle and price match your vendors. You can also try going to different vendors and not telling them its for a wedding and see if there really is a price difference. For example, call up a florist and say you need X, Y, and Z for a corporate banquet or for a special event for which you cannot give the details. If you then tell them its actually a wedding, and they blindly raise it without a good justification, move on. That said, they jack up the price because they know most people will says ""it's my wedding"", ""it's once in a lifetime"", ""it's MY special day"", etc.... The same is true about diamonds, their price does not reflect the actual supply and demand ratio, just the perception that has been created. However, as mentioned in some of the comments above, the service provided at a wedding may be different or more involved than just a normal dinner The more important issue is ensuring there are no back fees, no hidden fees, and you have well written, well reviewed contracts. For example, we know a couple whose caterer added a mandatory 20% gratuity, regardless of the service which was provided. Most venues or restaurants will not be making the bar a lose-leader, but they will charge for other things.  You can also save money by buying used or looking on ebay for prices closer to wholesale for the product. I think a good analogy to this is the Recent Time Magazine article on the price of healthcare - it costs a lot because its a small market and its harder to navigate, and most are not experienced shoppers in the area or don't have control over the individual item costs."

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I disagree that it is a silly way to do business. I think many industries are actually moving in the direction of MLM. The whole idea with a successful MLM like amway is that they spend no money on advertising. Did you know most companies spend about a third of their revenue back into advertising? Amway instead pays back that money as a bonus to their distributors. I can't remember which year off the top of my head but a couple years ago amway paid back over 4 billion dollars in bonus to their people. Now look at Uber, they are kind of cutting out the middle man also. Interesting right?

You can take a shortcut and make a few cumulative transactions, maybe just estimate how much of your spending landed in each of your budget categories, but you will lose a lot of the value that you were building for yourself by tracking your spending during the earlier months. I reconcile my budget and categorize my spending on a monthly basis. It's always a chore to pull out the big stack of receipts and plow through them, but I've learned the value of having an accurate picture of where all my money went. There is no clean way to fake it. You can either take the time and reconcile your spending, or you can take a short cut. It probably renders your efforts to track everything from the beginning of the year invalid though. If you want to start over this month (as you did at the beginning of the year) that would probably be a cleaner way to reconcile things.

At least you did it right.  The earliest lesson I had with this concept was from a friend who got hired for a summer to put page numbers in pdf documents (this would've been back when formatting pdf docs was still classified under Magic).  She unfortunately like many of us stupid kids thought the world was a nice place. She just auto-formatted the page numbers in and then taught others how to do it...  Big mistake as she got terminated shortly after with the job finished.

Complexity has mentioned some good points. I'd also like to add on the downsides:  It's not that easy to get rid of a tenant!  Imagine if your tenant passed your background check with flying colors but then turned out to be the tenant from hell...  How would you resolve the situation?  If the thought of that kind of situation stresses you (it would stress me!), I would consider carefully whether you really want to be a landlord.

"I use the (gratis, libre) command-line program ledger for my personal accounts.  It handles funds across accounts gracefully, through a feature called ""Virtual Accounts"".  A transaction can add or subtract money from a virtual account, which need not balance with all the other entries in the transaction.  Then it's just a matter of setting up reports to include or exclude these accounts."

> seems determined to blow up the deficit, just has the last Republican president did. And the Republican before that.  It's the only sensible thing the Republicans do.    Deficit spending is stimulus, and that increases the prosperity of the public.    They do it to try and provide cover for allowing the wealthy to gut our economy.  What we need is to embrace stimulus wholeheartedly and then shift the entirety of the tax burden onto the wealthy.


Question: Bid-Ask at market open, which comes first? [duplicate]

"When you place a limit sell order of $10.00 (for a stock on an option) you are adding your order to the book.  Anyone who places a buy at-the-market or with a limit price over $10.00 will have that order immediately fulfilled through the offer you have placed on the book. On the other hand, if that other person places a buy for $8.00, then the spread will now be ""$8.00 bid, $10.00 ask"". Priority is based on first the price (all $9.99 asks will clear before $10.00) and within each bucket this is based on the time your order was submitted. This is why in bidding markets (including eBay) buying at $x.01 is way better than $x.00 and selling at $x.99 is better than $(x+1).00. Source: https://en.wikipedia.org/wiki/Order_(exchange) under ""first-come-first-served"""

This may be best handled by an expert. Look for somebody recommended by a church, homeless shelter, food pantry, office of unemployment, office of disability,  or Veterans services to advise you on maximizing support for your father.  You want to know what type of help you can give without causing the overall level of support to drop. You may even find there are other avenues of assistance.

"No, there are neither advantages nor disadvantages. I'll take on this question from an accounting standpoint.   Financial statements, the tools at which the market determines (amongst other things) the value of a stock, are converted at year end to the home currency (see 1.1.3).If Company A has revenue of 100,000 USD and the conversion to EUR is .89, revenue in the European market will be reported as 89,000 EUR. These valuations, along with ratios, analysis, and ""expert"" opinions determine if a person should own shares in Company A.  Now, if we're talking about comparing markets this is a entirely different question.  Example:  Should I buy stock of Company A, who is in the American market (as an European)?  Should I buy stock of Company B, who is in the European market (as an American)? I would recommend this as additional level of diversification of your portfolio to inlcude possible large inflation of either the currency. The possible gains of this foreign exchange may be greater if one or the other currency becomes weak."

My response was actually about the stupidity of nitpicking and the fallaciousness of the public preoccupation with minimalist government spending.  I made no argument that the government need to be lavish.  And I agree, first class is not necessary in almost all cases. But it is easier to be productive in first class.  And if you're competing with the private sector for talent, there are certain places that skimping is both counter to productivity and strategic outcomes.  You want the best medical doctors working for the NIH and the CDC. Forcing shitty working conditions on them out of rigid demands is not a useful tactic.  And, again, I agree: harassing entry level and working class employees over small issues isn't good for the staff, the government or the people they serve.  If you want to find CHIP and food programs, quit giving out corporate welfare in the form of overpurchasing military hardware the Pentagon doesn't even want just for the sake of chest thumping and looking good.  And stop insisting that all taxes are spent inefficiently - it's untrue.  But making highly educated, powerful government employees live on the cheapest possible benefits and costs of employment is silly. And counterproductive - it moves you closer to ensuring government dollars are inefficient because no one talented will bother staying.

"Stock returns cannot be evaluated on its own. You need to take into account inflation and the return of other investment vehicles. Over the long run, you want to earn more than your peers (ie inflation), or lose less than them. Stock lets you buy into the profits of a company managed by others. So the fundamental question is ""do those company managers make better decision than average person?"" Of course there are times when they make awful decisions (eg just before dotcom bubble), and sometimes the best decision is to close the business. But overall those people are much better educated, have higher IQ, more resourceful, etc, and so over long time and across all the companies, this is correct and hence the stock market premium."

I should apply for everything I can on the same day, get approved for as many as I can First it may not sound as easy. You may hardly get 2-3 cards and not dozens. Even if you submit the applications the same day; If you still plan this and somehow get too many cards, and draw huge debt, then the Banks can take this seriously and file court case. If Banks are able to establish the intent; this can get constituted as fraud and liable for criminal proceedings. So in short if someone has the money and don't want to pay; the court can attach the wage or other assets and make the person pay. If the intent was fraud one can even be sent to jail.

Idk what the problem is. My selection of outdoor sports equipment has never been bigger. I love these stores and I don't know how not too. I miss the small bait shop that was around the corner, but I loved that Bass pro catalog as a kid and now there is 4 bass pros within 4 hours of me, Walking in these stores is like heaven.

If you are looking for a simple formula or buying order / strategy to guarantee a lower buying price, unfortunately this does not exist.  Otherwise, all investors would employ this strategy and the financial markets would no longer have an validity (aka arbitrage).  Buying any investment contains a certain level of risk (other than US treasuries of course). Having said that, there are many option buying strategies that can employed to help increase your ROR or hedge an existing position.  Most of these strategies are based a predicted future direction of a stock on the investor's part.  For example, you hold the Ford stock and feel they are releasing their earnings report next week.  You feel that they will not meet investors' expectations.  You don't want to sell your shares but what you can do is buy put options.  If the stock does indeed go down then you make money on your put options. Here is a document on options.  It is moderately technical but very good if you want a good introduction on the subject.  The strategy that I described above is on pg 33. http://www.m-x.ca/f_publications_en/en.guide.options.pdf


Question: Hired with W-9, will I owe estimated tax quarterly?

You must pay your taxes at the quarterly intervals. For most people the withholding done by their employer satisfies this requirement. However, if your income does not have any withholding (or sufficient), then you must file quarterly estimated tax payments.  Note that if you have a second job that does withhold, then you can adjust your W4 to request further withholding there and possibly reduce the need for estimated payments.  Estimated tax payments also come into play with large investment earnings. The amount that you need to prepay the IRS is impacted by the safe harbor rule, which I am sure others will provide the exact details on.

Email marketing has numerous advantages to the business.  It's is very growable for any business. You can send marketing messages at once to thousands of clients, which helps you to save time. If you want to Email marketing gainesville fl for your small business, then you can visit our website. We will provide you many internet marketing campaigns. Our service packeges are  less expensive compared to other marketing company.

Your comment regarding your existing finances is very relevant and helpful. You need to understand that generally in personal finance circles, when a strong earning 22 year-old is looking for a loan it's usually a gross spending problem.   Their car costs $1,000 /month and their bar tabs are adding up so the only logical thing to do is get a loan.  Most 22-year-olds don't have a mortgage soaking up their income, or a newborn.   With all of this in mind I essentially agree with DStanley and, personally, and many people here would probably disagree, I'd stop the 401(K) contribution and use that money to pay the debt.  You're still very young from a retirement standpoint, let the current balance ride and forego the match until the debt is paid.  I think this is more about being debt free at 22 quickly than it's about how much marginal money could be saved via 401(k) or personal loan or this strategy or that strategy.  I think at your age, you'll benefit greatly from simply being debt free. There are other very good answers on this site and other places regarding the pitfalls of a 401(k) loan.  The most serious of which is that you have an extremely limited time to pay the entire loan upon leaving the company.  Failure to repay in that situation incurs tax liability and penalties.   From my quick math, assuming your contribution is 8% of $70,000 /year, you're contributing something in the neighborhood of $460/month to your 401(k).  If you stopped contributing you'd probably take home a high $300 number net of taxes.  It'll take around 20 months to pay the loan off using this contribution money without considering your existing payments, in total you're probably looking at closer to 15 months.  You'll give up something in the neighborhood of $3,500 in match funds over the repayment time.   But again, you're 22, you'll resume your contributions at 24; still WAY ahead of most people from a retirement savings standpoint.  I don't think my first retirement dollar was contributed until I was about 29.  Sure, retirement savings is important, but if you've already started at age 22 you're probably going to end up way ahead of most either way.  When you're 60 you're probably not going to bemoan giving up a few grand of employer match in your 20s. That's what I would do. Edit: I actually like stannius's suggestion in the comments below.  IF there's enough vested in your plan that is also available for withdrawal that you could just scoop $6,500 out of your 401(k) net of the 10% penalty and federal and state taxes (which would be on the full amount) to pay the debt, I'd consider that instead of stopping the prospective contributions.  That way you could continue your contributions and receive the match contributions on a prospective basis.  I doubt this is a legitimate option because it's very common for employers to restrict or forbid withdrawal of employee and/or employer contributions made during your employment, but it would be worth looking in to.

You can be favor of this instance of the mechanism, as well as in favor of the mechanism's existence while still disagreeing with its implementation elsewhere. Private companies should be allowed to do this, even if sometimes I don't like who they choose to use it against.

"RealPay has developed a user friendly early debit order solution that operates in the NAEDO (Non-Authenticated Early Debit Order) payment stream. This system enables users to electronically deduct time sensitive future dated instalments directly from clients’ bank accounts."""

I think you are interpreting their recommended numbers incorrectly.  They are not suggesting that you get 13-21 credit cards, they are saying that your score could get 13-21 points higher based on having a large number of credit cards and loans. Unfortunately, the exact formula for calculating your credit score is not known, so its hard to directly answer the question.  But I wouldn't go opening 22+ credit cards just to get this part of the number higher!

Avoiding tobacco, etc is fairly standard for a fund claiming ethical investing, though it varies. The hard one on your list is loans.  You might want to check out Islamic mutual funds. Charging interest is against Sharia law.  For example: http://www.saturna.com/amana/index.shtml From their about page: Our Funds favor companies with low price-to-earnings multiples, strong   balance sheets, and proven businesses. They follow a value-oriented   approach consistent with Islamic finance principles. Generally, these   principles require that investors avoid interest and investments in   businesses such as liquor, pornography, gambling, and banks. The Funds   avoid bonds and other conventional fixed-income securities. So, it looks like it's got your list covered.  (Not a recommendation, btw. I know nothing about Amana's performance.) Edit: A little more detail of their philosophy from Amana's growth fund page: Generally, Islamic principles require that investors share in profit   and loss, that they receive no usury or interest, and that they do not   invest in a business that is prohibited by Islamic principles. Some of   the businesses not permitted are liquor, wine, casinos, pornography,   insurance, gambling, pork processing, and interest-based banks or   finance associations. The Growth Fund does not make any investments that pay interest. In   accordance with Islamic principles, the Fund shall not purchase   conventional bonds, debentures, or other interest-paying obligations   of indebtedness. Islamic principles discourage speculation, and the   Fund tends to hold investments for several years.

I disagree. I use it daily to set reminders, send texts, and schedule meetings. It's very nearly always faster than doing it by hand. Occasionally it will beef something so that I have to enter it by hand, but not often enough to counter the very real time it does save me.


Question: Wife sent to collections for ticket she paid ten years ago

"The first thing you should do is write a letter to the collection company telling them that you dispute all charges and demand, per section 809 of the Fair Debt Collection Practices Act, that they immediately validate and confirm any and all debts they allege you owe. You should further request that that they only communicate with you by mail. Section 809 requires them to examine the legal documents showing you allegedly owe a debt and they are required to send this to you. This all creates a useful paper trail. When you send the letter, be sure to send it as certified mail with a return receipt. From your description, it doesn't sound like this will do anything, but it's important you do it within 30 days of them contacting you. This is because the law allows them to assume the debt is valid if you don't do it within 30 days of their initial contact. I recommend you speak with an attorney. Most states have a statute of limitation on debt of about 4 or 5 years. I don't know if that applies to courts though. Whatever you do, be very careful of the language you use when speaking with them. Always refer to it as ""the alleged debt,"" or ""the debt you allege I owe."" You don't want them misconstruing your words later on. As far as proving you paid it, I would look through every scrap of paper I'd ever touched looking for it. If that proves fruitless, try going to the courthouse and looking through their records. If they're saying you didn't pay, that's a long shot, but still worth a try. You could also try bank records from that time, like if you have a Visa statement showing $276.17 paid to the Nevada Court or something like that. If all else fails, the law allows you to send the collector a letter saying that you refuse to pay the debt. The collection company then legally must stop contacting you unless it's to tell you they are suing you or to tell you they won't contact you again. I strongly advise against this though. Your best bet is going to be speaking with a qualified attorney. Edit: You should also pull your credit reports to make sure this isn't being reported there. Federal law gives you the right to have a free copy of each of your credit reports once every year. If it is being reported, send a certified letter with return receipt to each bureau which is reporting it telling them you dispute the information. They then are required to confirm the information. If they can't confirm it, they must remove it. If they do confirm it, you are legally entitled to put a statement disputing the information next to it on your credit report. I am not an attorney. This is not legal advise. You should consult an attorney who is licensed to practice law in your particular jurisdiction."

"Dear ""benevolent"" sister, The mortgage, utilities, and taxes for this home can no longer be paid and the bank will repossess it within the coming months. Thank you for your time"

They mostly make money off of the spread between your order and the spread of the buy and sell currently in the market. As others have previously explained, their buy/sell spreads are a little lacklustre.

Basically the balance you see in your account is the amount of money you currently have a right to (based on the fact that you have deposited it with the bank) you can of course take this money out pretty well whenever you like or move it however you like. However your bank account is not physical money, the currency you deposite is warehoused and used as the bank sees fit, your account is simply a statement keeping track of how much money the bank is holding for you.   The banks ability to use deposited funds to make money relies on the fundamental assumption that not everyone is going to withdraw all of there deposited funds at once. All banks will have legislated liquidity requirements (how much money needs to be kept in cash or near cash securities (short term interest bearing paper basically) in order to allow for pretty much any reasonable number of people to withdraw any amount of money.Additionally the bank as you said makes money on its loans, securities trading and investment banking activities, that money belongs to the bank and gives them even more money to play around with.  Obviously there have historically been instances in which bank runs occur (everyone tries to withdraw all there money at once, bank dosent acctually have enough liquid assets to pay) or cases in which a bank experiences solvency issues for other reasons (having to pay out poorly thought out speculative securities transactions RE north american housing crash in 2008) in these cases there are consumer protection agencies that insure financial institutions against insolvency (varies by country) But under most normal circumstances the bank uses some portion of deposited funds to make money and has systems in place to ensure an individual person can access there deposited funds as needed.   TLDR: account statement just shows how much money you have given the bank and can thus claim back from them (in the form of withdraw) bank has legally dictated cash reserve percentage to allow for everyone to withdraw money when they need it under most normal circumstances.

I'd roll them all into one account, just for your own convenience.  It's a pain to keep track of lots of different accounts, esp. since you need logins/passwords, etc for all of them, and we all have plenty of those.  :) Pick a place like Vanguard or Fidelity (for example), where you can find investment options with lower fees, and do the standard rollover.  Once all the accounts are rolled into one, you can think about how to invest the stuff.  (Some good investments require larger minimums, so if you have several old 401ks, putting them together will give you more options.) Rolling them over is not hard, if you have paperwork from each of the 401ks.  You might be able to DIY online, but I found it helpful to call and talk to a person when I did this.  You just need account numbers, etc.  If you are moving brokerage accounts, you may need to provide paper documents/applications, which might require getting them notarized (I found a notary at my bank, even though the accounts I was moving from and to weren't at my bank), which means you'll need to provide IDs, etc. and get a special crimped seal after the notary witnesses your signature.

"If we can agree that 2010 was closer to the low of 2009 than 2007 then the rich did all the buying while the super-rich did all the selling. http://www2.ucsc.edu/whorulesamerica/power/wealth.html Looks like the rich cleaned up during the Tech Crash too, but it looks like the poor lost faith. That limited data makes it look like the best investors are the rich. Market makers are only required by the exchanges to provide liquidity, bids & asks.  They aren't required to buy endlessly. In fact, market makers (at least the ones who survive the busts) try to never have a stake in direction.  They do this by holding equal inventories of long and shorts.  They are actually the only people legally allowed to naked short stock: sell without securing shares to borrow.  All us peons must secure borrowed shares before selling short. Also, firms involved in the actual workings of the market like bookies but unlike us peons who make the bets play by different margin rules.  They're allowed to lever through the roof because they take on low risk or near riskless trades and ""positions"" (your broker, clearing agent, etc actually directly ""own"" your financial assets and borrow & lend them like a bank). http://www.finra.org/web/groups/industry/@ip/@reg/@notice/documents/notices/p004001.pdf This is why market makers can be assumed not to load up on shares during a decline; they simply drop the bids & asks as their bids are hit."

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If cash donations are not deductable, stock contributions aren't either and I believe the same rules apply as for a private party.