Question: Given current market conditions, how / when should I invest a $200k inheritance?

"E) Spend a small amount of that money on getting advice from a paid financial planner. (Not a broker or someone offering you ""free"" advice; their recommendations may be biased toward what makes them the most money).  A good financial planner will talk to you about your plans and expectations both short and long term, and about your risk tolerance (would a drop in value panic you even if you know it's likely to recover and average out in the long run, that sort of thing), and about how much time and effort you want to put into actively managing your portfolio. From those answers, they will generate an initial proposed plan, which will be tested against simulations of the stock market to make sure it holds up. Typically they'll do about 100 passes over the plan to get a sense of its probable risk versus growth-potential versus volatility, and tweak the plan until the normal volatility is within the range you've said you're comfortable with while trying to produce the best return with the least risk. This may not be a perfect plan for you -- but at the very least it will be an excellent starting point until you decide (if you ever do decide) that you've learned enough about investing that you want to do something different with the money. It's likely to be better advice than you'll get here simply because they can and will take the time to understand your specific needs rather than offering generalities because we're trying to write something that applies to many people, all of whom have different goals and time horizons and financial intestinal fortitude. As far as a house goes: Making the mistake of thinking of a house as an investment is a large part of the mindset that caused the Great Recession. Property can be an investment (or a business) or it can be something you're living in; never make the mistake of putting it in both categories at once. The time to buy a house is when you want a house, find a house you like in a neighborhood you like, expect not to move out of it for at least five years, can afford to put at least 20% down payment, and can afford the ongoing costs. Owning your home is not more grown-up, or necessarily financially advantageous even with the tax break, or in any other way required until and unless you will enjoy owning your home. (I bought at age 50ish, because I wanted a place around the corner from some of my best friends, because I wanted better noise isolation from my neighbors, because I wanted a garden, because I wanted to do some things that almost any landlord would object to, and because I'm handy enough that I can do a lot of the routine maintenance myself and enjoy doing it -- buy a house, get a free set of hobbies if you're into that. And part of the reason I could afford this house, and the changes that I've made to it, was that renting had allowed me to put more money into investments. My only regret is that I didn't realise how dumb it was not to max out my 401(k) match  until I'd been with the company for a decade ... that's free money I left on the table.)"

Many banks offer online payment. He can add a payee and just type your name and address in. The bank will mail the check out if they cannot deliver payment electronically. Edit: Recently I came across this (Citibank Global Transfer), you and your friend should see if your bank offers a similar service. Citibank requires both of you to have an account with them.

David Schechtmann provide the best services are set this week for a US soldier from Tennessee who was unaccounted for after being killed by German troops during World War II.Media outlets reports a funeral for Pfc. Reece Gass will be held Saturday at Doughty-Stevens Funeral Home in Greeneville. He’ll be buried with full military honors at a cemetery in Cross Anchor.

">More wisdom from the armchair economist who can't answer a simple question.  Ok dude. You are a complete moron. The reason I didn't bother answering your question is because it has 0 relevance to your original post and my reply, and it's also something you can literally google. So let me do it for you.  >Citibank is the consumer division of financial services multinational Citigroup  This makes Citibank a commercial depository bank.  Now get to your point. And please include how   * Citibank is JP Morgan,   * JP Morgan needed to be bailed out,   * JP Morgan ""gambled""  * tax payers covered their losses  * the CEO of a financial institution that was partly responsible for keeping the US economy from the shithole is a ""fucker""  fucking retard."

generally i have sufficient funds to last 5 years or so without an income.... When I was a broke kid I would check my accounts often though... so it's just not something I prioritize in my life, already too many other things have my attention.

"Sales tactics for permanent insurance policies can get pretty sleazy. Sending home a flier from school is a way for an insurance salesperson to get his/her message out to 800 families without any effort at all, and very little advertising cost (just a ream of paper and some toner). The biggest catchphrases used are the ""just pennies per day"" and ""in case they get (some devastating medical condition) and become uninsurable."" Sure, both are technically true, but are definitely used to trigger the grown ups' insecurities. Having said that (and having been in the financial business for a time, which included selling insurance policies), there is a place for insurance of children. A small amount can be used to offset the loss of income for the parents who may have to take extended time away from work to deal with the event of the loss of their child, and to deal with the costs of funeral and burial. Let's face it, the percentage of families who have a sufficiently large emergency fund is extremely small compared to the overall population. Personally, I have added a child rider to my own (term) insurance policies that covers any/all of my children. It does add some cost to my premiums, but it's a small cost on top of something that is already justifiably in place for myself. One other thing to be aware of: if you're in a group policy (any life insurance where you're automatically accepted without any underwriting process, like through a benefit at work, or some other club or association), the healthy members are subsidizing the unhealthy ones. If you're on the healthy side, you might consider foregoing that policy in favor of getting your own policy through an insurance company of your choice. If you're healthy, it will always be cheaper than the group coverage."

I was specifically talking about property tax which doesn't increase that much with income. But state and local income taxes ratio makes a lot of sense since there are still lots of people that depend on a salary at 1million$ AGI.

"When you invest in an S&P500 index fund that is priced in USD, the only major risk you bear is the risk associated with the equity that comprises the index, since both the equities and the index fund are priced in USD. The fund in your question, however, is priced in EUR. For a fund like this to match the performance of the S&P500, which is priced in USD, as closely as possible, it needs to hedge against fluctuations in the EUR/USD exchange rate. If the fund simply converted EUR to USD then invested in an S&P500 index fund priced in USD, the EUR-priced fund may fail to match the USD-priced fund because of exchange rate fluctuations. Here is a simple example demonstrating why hedging is necessary. I assumed the current value of the USD-priced S&P500 index fund is 1,600 USD/share. The exchange rate is 1.3 USD/EUR. If you purchase one share of this index using EUR, you would pay 1230.77 EUR/share:  If the S&P500 increases 10% to 1760 USD/share and the exchange rate remains unchanged, the value of the your investment in the EUR fund also increases by 10% (both sides of the equation are multiplied by 1.1):  However, the currency risk comes into play when the EUR/USD exchange rate changes. Take the 10% increase in the price of the USD index occurring in tandem with an appreciation of the EUR to 1.4 USD/EUR:  Although the USD-priced index gained 10%, the appreciation of the EUR means that the EUR value of your investment is almost unchanged from the first equation. For investments priced in EUR that invest in securities priced in USD, the presence of this additional currency risk mandates the use of a hedge if the indexes are going to track. The fund you linked to uses swap contracts, which I discuss in detail below, to hedge against fluctuations in the EUR/USD exchange rate. Since these derivatives aren't free, the cost of the hedge is included in the expenses of the fund and may result in differences between the S&P500 Index and the S&P 500 Euro Hedged Index.  Also, it's important to realize that any time you invest in securities that are priced in a different currency than your own, you take on currency risk whether or not the investments aim to track indexes. This holds true even for securities that trade on an exchange in your local currency, like ADR's or GDR's. I wrote an answer that goes through a simple example in a similar fashion to the one above in that context, so you can read that for more information on currency risk in that context.  There are several ways to investors, be they institutional or individual, can hedge against currency risk. iShares offers an ETF that tracks the S&P500 Euro Hedged Index and uses a over-the-counter currency swap contract called a month forward FX contract to hedge against the associated currency risk. In these contracts, two parties agree to swap some amount of one currency for another amount of another currency, at some time in the future. This allows both parties to effectively lock in an exchange rate for a given time period (a month in the case of the iShares ETF) and therefore protect themselves against exchange rate fluctuations in that period.  There are other forms of currency swaps, equity swaps, etc. that could be used to hedge against currency risk. In general, two parties agree to swap one quantity, like a EUR cash flow, payments of a fixed interest rate, etc. for another quantity, like a USD cash flow, payments based on a floating interest rate, etc. In many cases these are over-the-counter transactions, there isn't necessarily a standardized definition.  For example, if the European manager of a fund that tracks the S&P500 Euro Hedged Index is holding euros and wants to lock in an effective exchange rate of 1.4 USD/EUR (above the current exchange rate), he may find another party that is holding USD and wants to lock in the respective exchange rate of 0.71 EUR/USD. The other party could be an American fund manager that manages a USD-price fund that tracks the FTSE. By swapping USD and EUR, both parties can, at a price, lock in their desired exchange rates.  I want to clear up something else in your question too. It's not correct that the ""S&P 500 is completely unrelated to the Euro."" Far from it. There are many cases in which the EUR/USD exchange rate and the level of the S&P500 index could be related. For example: Troublesome economic news in Europe could cause the euro to depreciate against the dollar as European investors flee to safety, e.g. invest in Treasury bills. However, this economic news could also cause US investors to feel that the global economy won't recover as soon as hoped, which could affect the S&P500.  If the euro appreciated against the dollar, for whatever reason, this could increase profits for US businesses that earn part of their profits in Europe. If a US company earns 1 million EUR and the exchange rate is 1.3 USD/EUR, the company earns 1.3 million USD. If the euro appreciates against the dollar to 1.4 USD/EUR in the next quarter and the company still earns 1 million EUR, they now earn 1.4 million USD. Even without additional sales, the US company earned a higher USD profit, which is reflected on their financial statements and could increase their share price (thus affecting the S&P500). Combining examples 1 and 2, if a US company earns some of its profits in Europe and a recession hits in the EU, two things could happen simultaneously. A) The company's sales decline as European consumers scale back their spending, and B) the euro depreciates against the dollar as European investors sell euros and invest in safer securities denominated in other currencies (USD or not). The company suffers a loss in profits both from decreased sales and the depreciation of the EUR.  There are many more factors that could lead to correlation between the euro and the S&P500, or more generally, the European and American economies. The balance of trade, investor and consumer confidence, exposure of banks in one region to sovereign debt in another, the spread of asset/mortgage-backed securities from US financial firms to European banks, companies, municipalities, etc. all play a role.  One example of this last point comes from this article, which includes an interesting line: Among the victims of America’s subprime crisis are eight municipalities in Norway, which lost a total of $125 million through subprime mortgage-related investments. Long story short, these municipalities had mortgage-backed securities in their investment portfolios that were derived from, far down the line, subprime mortgages on US homes. I don't know the specific cities, but it really demonstrates how interconnected the world's economies are when an American family's payment on their subprime mortgage in, say, Chicago, can end up backing a derivative investment in the investment portfolio of, say, Hammerfest, Norway."


Question: Does the sale of personal items need to be declared as income on my income taxes?

"Books would be considered Personal-Use Property according to Canada's income tax laws.  The most detailed IT I was able to find is IT-332R, which says: GAINS AND LOSSES 3. A gain on the disposition of personal-use property is normally a capital gain within the meaning of paragraph 39(1)(a). Where the property is a principal residence, the gain > is computed under paragraph 40(2)(b) or (c). 4. Under subparagraph 40(2)(g)(iii), a loss on a disposition of personal-use property, other than listed personal property, is deemed to be nil. [...] This part of the bulletin indicates that a gain might be considered a capital gain - not income.  However, you don't get to book a loss as a capital loss.  This is the first hint that your book sale - which is actually an exempt capital loss - shouldn't go on your tax return unless it's one of the ""listed"" items: LISTED PERSONAL PROPERTY 7. Listed personal property is defined in paragraph 54(e) to mean personal-use property that is all or any portion of, or any interest in or right to, any (a) print, etching, drawing, painting, sculpture, or other similar work of art, (b) jewellery, (c) rare folio, rare manuscript, or rare book, (d) stamp, or (e) coin. So unless you're selling rare books, the disposition (sale) of them is essentially exempt as income, regardless of whether you sold it at a profit or at a loss.  If it is rare, then you might be able to consider it a capital loss, which doesn't help you much unless you had other capital gains, but you can carry over capital losses to future years. There's also a newer IT related to hobbies and ""collecting"" items, IT-334R2.  This one says: 11. In order for any activity or pursuit to be regarded as a source of income, there must be a reasonable expectation of profit. Where such an expectation does not exist (as is the case with most hobbies), neither amounts received nor expenses incurred are included in the income computation for tax purposes and any excess of expenses over receipts is a personal or living expense, the deduction of which is denied by paragraph 18(1)(h). On the other hand, if the hobby or pastime results in receipts of revenue in excess of expenses, that fact is a strong indication that the hobby is a venture with an expectation of profit; if so, the net income may be taxable as income from a business. The current version of IT-504, Visual Artists and Writers, discusses the concept of ""a reasonable expectation of profit"" in greater detail. Where a hobby consists of collecting personal-use property or listed personal property, dispositions should be accounted for as described in the current version of IT-332, Personal-Use Property. (emphasis mine) In other words, if it's not the type of thing where you'd make a tax deduction when you bought it in the first place, then you clearly don't need to report it as income when you sell it. Just to be absolutely clear here: The fact that you are selling them at a loss is not actually what's important here. What's important is that, if the books aren't collectibles, then you would have had no expectation of profit.  If you did have that expectation then you could have made a tax deduction when you first purchased them. So in this case, it is probably not necessary for you to report the income; however, for the benefit of other readers, in some cases you might need to report it under ""other income"" or book it as a capital gain/loss, depending on what those personal items are and whether or not you made a net profit."

Sure of course you can do balance transfers like this but you are way late to the party and it has gotten to be pretty challenging finding new cards to transfer balances to. Before the current financial crisis in the US you could get enormous amounts of credit (2-5 times a person's annual income) and transfer balances to your bank account to collect interest . There were a bunch of ways to the transfer everything from direct deposit to your bank account to a balance transfer check payable to yourself to overpaying another credit card and requesting a refund. Over paying another account sets off a lot of red flags now days but other methods still work. The financial atmosphere has changed a lot and there are very few available cards with no balance transfer fees or capped fees and the interest rates are a lot lower now so it really isn't worth doing.

Eh, you hear this argument all the time, but it doesn't actually work out that way in the real world, though, because corporate pay structure is extremely malleable over time.   If a company makes $100M one year, it will pay the investors what they're expecting, the low-level employees what they're willing to tolerate (which is often the minimum wage), and then the upper management whatever is left (i.e. whatever the company can afford to attract the best management). By bumping up the minimum wage, the main effect is that it forces companies to change their pay structures (which are currently ridiculous - the U.S. CEO-to-avg-worker pay is around 200:1; Japan and Germany are around 15:1, IIRC).  Feel free to dig deeper into the numbers and the studies if you want further evidence, but even a cursory glance at our history (or the current situation in Australia) shows that the effects of a high minimum wage on both inflation and unemployment are largely overstated.

>PI’s attorney, Dan Webb, said in court Monday that ABC used the term “pink slime” 350 times over the course of its reporting, and that ABC willfully spread this preconceived, negative message. Webb also showed the jurors a picture of lean finely textured beef. “It physically doesn’t look like slime,” he said.  It physically doesn't look like slime, and presumably it isn't slime chemically.   What's their reason for calling it 'pink slime'?   >In fact, the term “pink slime” was coined by one of the segment’s whistleblowing USDA scientists in a 2002 email to colleagues, and a 2009 New York Times piece using the term to describe BPI’s meat product won a Pulitzer Prize.  So, they coined a word to describe something that was intentionally designed to sensationalize it, in a negative way.  If I were on the jury this is the point of fact that I'd base my vote on.  The media needs to be slapped pretty hard when they start actively damaging people and companies to sell stories.

"Right, but if you lived in the area, you have already made the decision that they are your ""go-to"" retailer or not.  The majority of people in their competitive market have decided Market Basket is not their preferred choice, but will this story make them reconsider?"

And a few more options: (which both allow payments via mobile phone) And now Visa are getting in on the action.  This isn't live, but worth watching to see what their eventual offer is.

"There are more than a few different ways to consider why someone may have a transaction in the stock market: Employee stock options - If part of my compensation comes from having options that vest over time, I may well sell shares at various points because I don't want so much of my new worth tied up in one company stock. Thus, some transactions may happen from people cashing out stock options. Shorting stocks - This is where one would sell borrowed stock that then gets replaced later. Thus, one could reverse the traditional buy and sell order in which case the buy is done to close the position rather than open one. Convertible debt - Some companies may have debt that come with warrants or options that allow the holder to acquire shares at a specific price. This would be similar to 1 in some ways though the holder may be a mutual fund or company in some cases. There is also some people that may seek high-yield stocks and want an income stream from the stock while others may just want capital appreciation and like stocks that may not pay dividends(Berkshire Hathaway being the classic example here). Others may be traders believing the stock will move one way or another in the short-term and want to profit from that. So, thus the stock market isn't necessarily as simple as you state initially. A terrorist attack may impact stocks in a couple ways to consider: Liquidity - In the case of the attacks of 9/11, the stock market was closed for a number of days which meant people couldn't trade to convert shares to cash or cash to shares. Thus, some people may pull out of the market out of fear of their money being ""locked up"" when they need to access it. If someone is retired and expects to get $x/quarter from their stocks and it appears that that may be in jeopardy, it could cause one to shift their asset allocation. Future profits - Some companies may have costs to rebuild offices and other losses that could put a temporary dent in profits. If there is a company that makes widgets and the factory is attacked, the company may have to stop making widgets for a while which would impact earnings, no? There can also be the perception that an attack is ""just the beginning"" and one could extrapolate out more attacks that may affect broader areas. Sometimes what recently happens with the stock market is expected to continue that can be dangerous as some people may believe the market has to continue like the recent past as that is how they think the future will be."

"I'm still recommending that you go to a professional. However, I'm going to talk about what you should probably expect the professional to be telling you. These are generalities. It sounds like you're going to keep working for a while. (If nothing else, it'll stave off boredom.) If that's the case, and you don't touch that $1.4 million otherwise, you're pretty much set for retirement and never need to save another penny, and you can afford to treat your girl to a nice dinner on the rest of your income.  If you're going to buy expensive things, though - like California real estate and boats and fancy cars and college educations and small businesses - you can dip into that money but things will get trickier. If not, then it's a question of ""how do I structure my savings?"". A typical structure: Anywho. If you can research general principles in advance, you'll be better prepared."


Question: How will the after market affect the open of the market tomorrow?

In general a stock can open at absolutely any price with no regard for the closing price or after hours price the previous day. The opening price will be determined by the best bid and offer made by people who decide to trade the next day.  Some of the those people may have put orders in on a prior day that are still on the books and matter, but there's a lot of time overnight for people to cancel orders and enter new ones, which is especially likely to happen if there was substantive news overnight. As for what you can do in your case, you have the same options that you always had:  Sell or hold.  If you're selling, you can sell after hours, in the pre-open hours, or during the trading day.  There's nothing we can say about this case that's really any different than we can say about any other stock on any other day.

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What do you this hypothesis?  The A-hole logic might by the flip side of our leadership culture. We are constantly being told to work on our leadership skills. But how many of us ever work on our followership skills. Not many--the very name triggers spellcheck. The reality is that most of us can't afford to be autonomous and independent and the A-holes are successful because they do the job for us, albeit unpleasantly.

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"I met two MBA graduates from Harvard - both made VPs at large Canadian companies (i.e. $1B or greater annual revenue) after working 2-5 years as management consultants post-graduation - one is now a divisional president making over $500K in salary along. When I asked one of them (one that is not yet making $500K in salary) about the Harvard MBA difference, he said the brand-name and the network probably set it apart from others, since most MBA schools now uses the same material as Harvard's.   I tend to agree with his thoughts - I never did felt the caliber of my professor had much to do with my ability to apply what I learn to practical use.  In my own MBA education, the professor did more facilitation than ""teaching"".  Apparently that is the norm, as MBA is less about being fed information than it is about demonstrating the ability to analyze and present information.  Back to M.Attia's question, I would go with the highest ranked MBA education I could afford (both financially and lifestyle).  A friend of mine was able to get his employer to pay for the $90K tuition fee from Rotman, along with job security for 5 years (not a bad idea in this economy).  I settled for Lansbridge University in Fedricton because the flexibility of distance learning and cost was important to me, though I was able to get my employer to pay for the MBA after I started (I switched group within the company shortly after I started my MBA and my new boss was able to get the approval without locking me in)."

This site has the best information I could find, other than a Bloomberg terminal:    Quantumonline.com QUANTUMONLINE.COM SECURITY DESCRIPTION:  SCANA Corp., 2009 Series A, 7.70% Enhanced Junior Subordinated Notes, issued in $25 denominations, redeemable at the issuer's option on or after 1/30/2015 at $25 per share plus accrued and unpaid interest, and maturing 1/30/2065 which may be extended to 1/30/2080. Interest distributions of 7.70% ($1.925) per annum are paid quarterly on 1/30, 4/30, 7/30 & 10/30 to holders of record on the record date which is the business day prior to the payment date (NOTE: the ex-dividend date is at least 2 business days prior to the record date). Distributions paid by these debt securities are interest and as such are NOT eligible for the preferential 15% to 20% tax rate on dividends and are also NOT eligible for the dividend received deduction for corporate holders. Units are expected to trade flat, which means accrued interest will be reflected in the trading price and the purchasers will not pay and the sellers will not receive any accrued and unpaid interest. The Notes are unsecured and subordinated obligations of the company and will rank equally with all existing and future unsecured and subordinated indebtedness of the company. See the IPO prospectus for further information on the debt securities by clicking on the ‘Link to IPO Prospectus’ provided below.

All that is an issue with non competitive market.  My premise was that in capitalism, not in crony capitalism nor in heavily regulated so that it is non competitive or high in market barrier.   Way to solve non competitive market due to crony capitalism or too heavily regulated market usually is not more regulation.  That makes it worse. Role of regulation is to factor in extranality, promote transparency and such.  Not inflate wages of people who don't deserve it

Every reward program has to have a funding source. If the card gives you x percent back on all purchases. That means that their business is structured to entice you to pump more transactions through the system. Either their other costs are lower, or the increased business allows them to make more money off of late fees, and interest. If the card has you earn extra points for buying a type of item or from a type of store (home stores improvement in the Spring), they are trying to make sure you use their card for what can be a significant amount of business during a small window of time. Sometimes they cap it by saying 5% cash back at home improvement stores during the spring but only on the first $1500 of purchases. That limits it to $75 maximum. Adding more business for them, makes more money for them. Groceries and gas are a good year round purchase categories. Yes there is some variation depending on the season, and the weather, but overall there is not an annual cliff once the season ends. Gas and groceries account for thousands of dollars a year these are not insignificant categories, for many families are recession proof. If they perceive a value from this type of offer they will change their buying behavior.  My local grocery store has a deal with a specific gas station. This means that they made a monetary deal. Because you earn points at the grocery store and spend points at the gas station, the grocery store is paying some compensation to the gas station every time you use points. The gas station must be seeing an increase in business so theoretically they don't get 100% compensation from the grocery store.  In cases where credit cards give airline miles, the credit card company buys the miles from the airline at a discount because they know that a significant number of miles will never be used.


Question: Can my company buy my personal debt?

When your debt is forgiven, you have to consider the amount written off as an ordinary income item (with the exclusion of the debt originated from the purchase of primary home). If you're trying to write the debt off from your taxes - then it won't work. Even if you can expense the debt forgiveness, you will incur tax liability on your personal taxes side, and in addition you'll be out of cash in your business. So basically you'll end up paying it with after tax money, exactly the thing you're trying to avoid. In addition, you're dealing with related persons here, which means that the loss deduction might not be allowed (depends on the actual details of the transaction), so you might actually end up paying more taxes with this scheme that just paying off the loan directly (if your business pays taxes separately from your person). A loss on the sale or exchange of property between related persons is   not deductible. This applies to both direct and indirect transactions,   but not to distributions of property from a corporation in a complete   liquidation. For the list of related persons, see Related persons   next.

"I love the subtitle on this article - ""Silicon Valley deals are not based on factors that bankers can model"" and another quote ""a DCF projection would not be able to help Mark Zuckerberg, the Facebook chief executive, work out whether Snapchat was worth $1bn or $10bn""  What a crock of BS.  A DCF is exactly the methodology you should be using in order to value an acquisition (along with comparable company/transaction methods).    Is it incredibly difficult to use the right variables and forecast the value of these companies?  Yes.  Is the inherent value of a company derived from the expected cash flows generated from that company once you acquire it?  Yes.  Just because it is hard doesn't mean you shouldn't do it.    ""Big tech companies have never had more cash than they have today, and they are finding it just as hard to put their money to work as everybody else is.""  Well damn then maybe you should return that money back to the shareholders **who own the company** instead of blowing it on dot-bombs at stupid valuation levels."

What is your focus in your finance coursework? Investments? Wealth management? Corporate finance?  Find something that compliments your desired path. Finance in-and-of itself is one of the most marketable business degrees available (if not THE most), and anything to show you're well-rounded will help get a job.   Don't add real estate as a minor. Most school teach across a $eme$ter what you can learn in a month or two when studying to get your RE license. So, pay thousands of tuition dollar$, or pay the several hundred bucks for your test/course materials.   Experience: finance degree, now a commercial real estate broker

By not saving some of your income you put yourself at risk of the following: If you are comfortable taking on those risks, then continue what you are doing (I'm not being sarcastic here...some people are perfectly comfortable taking on these risks).  I plan on working until I die so I am not as concerned with saving for retirement but I do save some money for temporary job loss situations. Saving money presents its own set of issues (e.g. Where should I put the money?, Should I invest the money?, What type of investments?).  If you have no interest in researching answers to these type of questions then I would suggest what others have already suggested: have part of your paycheck automatically siphoned into an account that can only be accessed by a trusted family member.

"#1  The Affordable Care Act is not a gift to anybody except the insurance and drug industries.   It actually saves the federal government and employers money by giving employers a semi credible ""RFOTA"" to lay off or cut the hours for their ""overpaid older workers"" </sarc> For the government money is saved by shifting families and low paid workers out of expensive government programs like SCIP and Medicaid into hugely profitable individual private insurance plans of lower actuarial value. That effectively shifts the burden to the states and sick people.  Why no discussion about the earth-changing implications of exponential growth in technology on employment?  We need to fund education substantially better or we are soon going to be a nation of largely unemployed people."

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Under what conditions did you move? My favourite method of judging prices objectively comes from concepts written in Your Money or Your Life by Joe Dominguez. Essentially it normalizes money spent by making you figure out how much an item costs with respect to the number of hours you needed to work to afford it. I prefer that method versus comparing with others since it is objective for yourself and looks beyond just the bare prices.

Can no one read? I never said anything about equivalence, it was an example of an off the books subsidy. And I'll pose the same question to you as the other commenter, do you think that having solar panels on your roof will keep the government from sending our military to other countries? Because if you do, that's truly laughable.   Apparently that author is clairvoyant enough to announce a 2016 report in an article dated July, 9th 2014. But I'll just assume you didn't actually read any of it. I did, and I'm not saying those figures are wrong, but that report has a clear stated agenda that is anti-oil/coal.  The report I linked was to a US agency that was only making the information available. It may also have inaccuracies, but I'm going to assume that data for identical years in these reports being interpreted wildly differently indicates one is manipulating the information. I'd assume that someone with an agenda would be more likely to manipulate the data than an agency just seeking to publish data.  Regardless, those inconsistencies should have some explanation.


Question: Equation to determine if a stock is oversold and by how much?

There are those who would suggest that due to the Efficient Market Hypothesis, stocks are always fairly valued. Consider, if non-professional posters on SE (here) had a method that worked beyond random chance, everyone seeking such a method would soon know it. If everyone used that method, it would lose its advantage. In theory, this is how stocks' values remain rational.  That said, Williams %R is one such indicator. It can be seen in action on Yahoo finance -  In the end, I find such indicators far less useful than the news itself. BP oil spill - Did anyone believe that such a huge oil company wouldn't recover from that disaster? It recovered by nearly doubling from its bottom after that news. A chart of NFLX (Netflix) offers a similar news disaster, and recovery.  Both of these examples are not quantifiable, in my opinion, just gut reactions. A quick look at the company and answer to one question - Do I feel this company will recover? To be candid - in the 08/09 crash, I felt that way about Ford and GM. Ford returned 10X from the bottom, GM went through bankruptcy. That observation suggests another question, i.e. where is the line drawn between 'investing' and 'gambling'? My answer is that buying one stock hoping for its recovery is gambling. Being able to do this for 5-10 stocks, or one every few months, is investing.

"Most of the answers here reflect a misunderstanding of what gold actually is from a financial perspective.  I'll answer your question by asking two questions, and I do challenge you to stop and think about what we mean when we say ""cash"" or ""unit of exchange"" because without understanding those, you will completely miss this answer. In 1971, the DXY was 110.  For people who don't know, the DXY is the US Dollar Index - it weighs the strength of the US Dollar relative to other currencies.  Hey look, it's a pretty graph of the DXY's history. In 1971, gold was $35 an ounce. The DXY is 97 today. Gold is $1170 an ounce today. Now the questions: If shares of Company A in 1971 were $10 a share, but now are $100 a share and some of this is because the company has grown, but some of it is because of inflation and the DXY losing value, what would the value of the company be if it was held in grams of gold and not dollars? Benjamin Graham, who influenced Warren Buffett, is a ""supposed"" critic of gold, yet what percent of his life were we not on a gold standard?  In his day, the dollar was backed by gold - why would you buy gold if every dollar represented gold. Finally, consider how many US Dollars exist, and how few metric tonnes of gold exist (165,000).  Even Paul Volcker admitted that a new gold standard would be impossible because the value of gold, if we did it today, would put gold in the $5000-$10000 range - which is absurd: To get on a gold standard technically now, an old fashioned gold   standard, and you had to replace all the dollars out there in foreign   hands with gold, God the price, you buy gold, because the price of   gold would have to be enormous. So, you're all left hoping the Federal Reserve figures how to get us all out of this mess without causing trouble, otherwise, let me just kindly say, you WILL realize the value of gold then. As the old saying goes, ""A fool and his money are soon parted.""  I could be wrong, but I'd say that those who've been buying gold since 1971 for their ""cash holdings"" (not index funds) aren't the suckers."

PE can be misleading when theres a good risk the company simply goes out of business in a few years. For this reason some people use PEG, which incorporates growth into the equation.

"It's not at all different from anything that happens in reality. Everybody deals with risk and uncertainty, everybody worries about the future, and everybody puts their best mind to bear on it. You gamble, you hedge your bets, you try to do your best with what you've got and what you're willing to give up. People who aren't in the financial industry can also think about their goals in a fine-tuned, strategic, mathematical way. Being able to accurately model reality is useful for pretty much everything.  The way in which it is actually totally different is not addressed. People who deal in derivatives can do a very precise job of predicting the future. So can astronomers, bullfighters, and migratory fish. The difference is that people who deal in derivatives have the ability to leverage reality to obtain a preferred future reality in a uniquely influential way. The guy is acting like investment banks live up on a mountain and look at tea leaves and send down memos about securities once a year.   >Changing the shape of the graph is in some loose sense the business of the financial system, particularly the big investment banks, which are sometimes thought of as ""dealers in risk.""   So are drug dealers. But the guesses investment banks make about the future affect the actual future of investment banks in a way that isn't available to, say, cobblers, so they are dealing with much less of their own risk than most people.   >Buying and selling derivatives means consciously trafficking in risk and uncertainty, in a relatively uncut form. This makes it interesting to people who don't buy or sell derivatives for a living, but who are curious about risk and uncertainty.  It also makes it interesting to people who are curious about why their lives are affected by the the risk and uncertainty of people who trade in derivatives."

No one has said this specifically yet, but you're more likely to avoid the kinds of problems that concern you by choosing makes and models of vehicle that are known to be reliable.  Honda is well-known for the reliability of their cars, so definitely consider them. @MrChrister mentioned Consumer Reports--they are an excellent resource for buying new and/or used cars. @Natashska made a great point about dealers vs. private sellers.  To that point I'll add the following:

"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-08-18/barclays-puts-in-sensors-to-see-which-bankers-are-at-their-desks) reduced by 86%. (I'm a bot) ***** > Barclays Plc has installed devices that track how often bankers are at their desks.  > Managers were peppered with queries when investment bank staff in London discovered black boxes stuck to the underside of their desks in recent months, according to several Barclays employees who asked not to be identified speaking about their workplace.  > Hot-desking may appeal as a cost-cutting strategy to Barclays Chief Executive Officer Jes Staley, who has said there are &quot;Tremendous savings&quot; to be made by reducing the bank&#039;s real-estate footprint.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ukg68/barclays_puts_in_sensors_to_see_which_bankers_are/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~194042 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **bank**^#1 **Barclays**^#2 **how**^#3 **devices**^#4 **office**^#5"

"**2009 Aftonbladet Israel controversy**  The Aftonbladet–Israel controversy refers to the controversy that followed the publication of a 17 August 2009 article in the Swedish tabloid Aftonbladet alleging that Israeli troops harvested organs from Palestinians that died in their custody. The article sparked a fierce debate in Sweden and abroad, and created a rift between the Swedish and Israeli governments. Israeli officials denounced the report at the time, labeling it anti-Semitic. The article was written by Swedish freelance photojournalist Donald Boström, and was entitled ""Våra söner plundras på sina organ"" (""Our sons are being plundered for their organs"").  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.27"

This is why I have gone back to broadcast TV,  because cable TV costs a lot of money for something that is no better. It doesn't seem that long ago that there were no commercials on cable channels. Now there are MORE commercials on cable channels than on broadcast TV. Remember when the scifi channel was full of science fiction instead of...wrestling?  Remember when MTV was about music?  When Discovery was full of science programming, when A&E was about arts and education and the History channel was about more than Nazis, UFOs and imaginary animals? Now it's all just crap and why pay for that?


Question: question about short selling stocks

If you had an agreement with your friend such that you could bring back a substantially similar car, you could sell the car and return a different one to him.  The nature of shares of stock is that, within the specified class, they are the same.  It's a fungible commodity like one pound of sand or a dollar bill.  The owner doesn't care which share is returned as long as a share is returned.   I'm sure there's a paragraph in your brokerage account terms of service eluding to the possibility of your shares being included in short sale transactions.

"That's like a car dealer advertising their ""huge access"" to Chevrolet.  All brokers utilize dark pools nowadays, either their own or one belonging to a larger financial institution.  Why?  Because that's a primary source of broker income.  Example: Under current US regulations the broker is under no obligation to pass these orders to actual (a.k.a. lit) exchanges.  Instead it can internalize them in its dark pool as long as it ""improves the price"".  So: If a broker doesn't run its own dark pool, then it sends the orders to the dark pool run by a larger institution (JPMorgan, Credit Suisse, Getco, Knight Capital) and gets some fraction of the dark pool's profit in return. Are Mom and Pop negatively impacted by this?  Not for most order types.  They each even got a free penny out of the deal!  But if there were no dark pools, that $1.00 difference between their trade prices would have gone half ($0.50) to Mom's counterparty and half ($0.50) to Pop's counterparty, who could be someone else's Mom and someone else's Pop. So ... that's why brokers all use dark pools, and why their advertisement of their dark pool access is silly.  They're basically saying, ""We're going to occasionally throw you a free penny while making 49 times that much from you""! (Note: Now apply the above math to a less liquid product than AAPL.  Say, where the spread is not $0.01, but more like $0.05.  Now Mom and Pop still might make a penny each, while the broker can make $4.98 on a 100 share trade!)"

I suspect this is related to the fact that Blue Apron completed its IPO very recently and insider shares are likely still under a lockup period.  So in the case of APRN stock only the 30mm shares involved in the IPO are trading until the insider lockup expires which is usually about 90 days.

If you help find a suitable next tenant and help smooth out the transition, most landlord generally don't have an issue to terminate the lease early, and move the contract to the new tenant. Remember that the biggest concerns for landlords is that they don't want the place to be empty (leaving an apartment empty costs them money due to tax, strata, bills, etc as well as putting in jeopardy whatever future plans they might have made under the assumption of a stable income from the rent). You could also offer to pay for the listing agent and other switching fees (e.g. putting bills under the new tenant's name, etc). If you don't have an early termination clause the rental agreement, or sometimes even when you do, these things are often negotiable. If you can guarantee that your leave won't leave them with an empty apartment with no-one paying rentals, most reasonable landlords wouldn't have issue with terminating early.  Many rental agreements also have terms regarding early terminations. This usually involves paying a fee which amounts to a month or two of rent. This may vary.

The term self-directed generally refers to RRSP accounts where the account holder has not only the ability to determine a basic investment asset mix (such as can be accomplished even with a limited selection of mutual funds) but, more specifically, the self-directed account holder has a much wider choice of financial instruments beyond mutual funds, GICs, and/or cash savings. A self-directed RRSP generally permits the account holder to also invest or trade directly in financial instruments such as: Those kinds of instruments are not typically available in a non-self-directed mutual fund or bank RRSP.  Typical mutual fund or bank RRSPs offer you only their choice of products  – often with higher fees attached. Related resources:

>  It costs as much to project for one guy as for a packed house.  I don't have specific knowledge about movie licensing, but I'd be VERY surprised if the number of tickets to a given showing didn't factor into the actual price paid to the rights holder. I mean, we live in a world where ASCAP charges bars for jukebox plays based on an estimate of how many people in the bar could hear the song.....

It is worth noting first that interest and short-term dividends/capital gains are all taxed at the same rate. So all the investments below I mention (even savings accounts) will be taxed at the same rate.  Also, even short-term capital losses can often be harvested to reduce your tax rate in many countries. While it is worth paying attention to the taxes when investing in the short term the more important factor is how much risk that you can take or want to take with the money.  Most equity portfolios like the S&P index give a much higher risk that there will be much less in the account when you need to buy.  You generally have a higher expected return with equity but as you mention that return is very random over such a short period. Over such a short variable period many people will invest in short term bond-index funds or just keep the fund in a high-yielding savings account.  With the savings account your money is guaranteed.  Short term bond funds will have generally higher yields but a small chance you may lose money in the short term. Some people can trade short-term bond indices for free with their broker but if you can't be sure to include the trading costs when thinking about which investment to use as with how low yields are currently the fees may eat up any advantage you gain.

"A straddle is an options strategy in which one ""buys"" or ""sells"" options of the same maturity (expiry date) that allow the ""buyer"" or ""seller"" to profit based on how much the price of the underlying security moves, regardless of the direction of price movement. IE: A long straddle would be: You buy a call and a put at the same strike price and the same expiration date. Your profit would be if the underlying asset(the stock) moves far enough down or up(higher then the premiums you paid for the put + call options) (In case, one waits till expiry) Profit = Expiry Level - Strike Price - (Premium Paid for Bought Options) Straddle"


Question: Insurance company sent me huge check instead of pharmacy. Now what?

The insurance company issued the check.  I'd contact the insurance company to have the current check voided and a new one issued to the pharmacy.

Aloe Vera juice as a herb provides a lot of advantages in the form of better blood circulation, treating Irritable Bowel Syndrome (IBS), detoxification as well as liberation from ache. The gel of aloe vera is drawn out of the leaves belonging to aloe plant and its application can be made topically.

You have asked about getting a loan, the issue is that you don't have collateral to offer up in exchange for the loan, you also don't have a regular source of income. Getting a low level job, even one not related to your major will provide income. Getting a not-so-perfect job related to your major will allow your to sustain yourself, and provide experience that can help you find the perfect job. The time from application to interview to offer letter to start date can be measured in months. This is even with positions you are perfect for. Since it can take months to get started in a new job you should focus on something that you can get started right away.  This type of job will have a shorter time frame for the interview cycle. You may feel overqualified for the jobs based on the fact you just graduated from college but this was the type of job you should have had to bridge you from school to the job you want.  Regarding the end goal of getting the perfect job, you might have to refocus your efforts. When you had time and money you could afford to be picky about company, location and salary. Now that money is in short supply you will need to change your standards. Keep in mind it is not just an issue about being able to travel to job interviews, it is also about needing a way to afford food, and health insurance. Go back to your college campus and talk to the career counselors they can help your with your resume, and give job search advice. They may also have contacts that can help you find a position with a good local company or even a national company. They may even know of companies that need employees for just a few months to fill a need.

"> Do you even know these people and their history to know that they are ""undeserving"" of higher pay?  if they were worth more, other businesses would offer them higher higher pay. they aren't forced to work for walmart. but if their work makes a business $10/hr, it makes no sense for businesses to offer them more than that - it's a loss to the business.   > Your comments show immense naivety and lack of empathy.  i'm just a med student, but i plan on giving a lot in charity once i'm working. and i'll bet you my charity givings will do many times more good than the gov't would do with it. watch just 2 minutes from this speech. it explains my views.   http://www.youtube.com/watch?v=18zqtVcGxAA#t=7m55s"

"I'm looking forward to not having to read about Market Basket every single day.  Claiming 2M customers ""joined a 6-week boycott"" is absolutely ridiculous and deceptive.  Pretty much every shelf was empty.  No perishable items were available.  Customers didn't *boycott* Market Basket.  Customers didn't go there because there was nothing to buy."

There are two Aldi's: Aldi Nord and Aldi Süd. Both are based in Germany and are completely separate companies, with Aldi Nord operating the Northern half and Aldi Süd operating in the southern half. The reason that there are two is because the brothers who founded Aldi disagreed over whether or not their stores should sell cigarettes. So in 1960 they split the company and agreed to not compete in each other's territory.   Aldi Süd is the Aldi that we have in the US while Aldi Nord is the Aldi that owns Trader Joe's

No there are no deductions when converting from an SB a/c to an NRO a/c. However, the bank may charge you a small fee to transfer your funds (Somewhere between 100-500 Rupees). The interest you earn on that NRO account will be deducted at source as compared to your S/B(30.9% p.a). In case you fall within basic exemption limit, you can claim it back at the end of the year, while filing your taxes.  You can remit upto $1 million from your NRO account every year. There are no taxes while you remit the money. However, you will need to fill out form 15CA and 15CB which ensures that the taxes have been collected before the money is remitted out of the country.

"I think you're missing a fixed and variable breakout cost per unit here. Fixed costs per unit decrease as volume rises.  If you think VC and equity peeps would throw down bills to a company who can't reasonably argue or support a cash generating model, you're likely mistaken. Uber's infrastructure and rapid scaling are cost intensive, however, once implemented, their costs do not rise 1:1 with every person who hails an Uber, which is what you're implying by leaving us two identical profit margins at vastly different volumes, which only exists in fairy-tale ""unicorn"" land.   Also, to your comments below: Oh wow, you think a tech company is overvalued? Like that's not the real ""soundbite"" - same fuckin' soundbite I heard when Amazon was trading at 200 a share."


Question: How do straddles that involve selling options protect against early assignment?

Yes, that's the risk. If the stock is bouncing around a lot your options could get assigned.  If it heads south you now are the proud owner of more of a falling stock.  It's good that you're looking to understand the risks of an investment method.  That's important no matter what the method is.

Total employment will drop by 1 million or more but - according to your CEPR study, thanks to TTIP, average household income may rise by as much as 527 euros a year by 2027.   Some of that may be offset by loss of social benefits, for example, the average American spends around $250,000-$300,000 or more over his or her lifetime for health care over an identical Canadian.

"Price is current price per share, but you can buy fractional shares. Minimal investment is how later the first purchase of shares must be to make it worth their efforts to set up the account for you. How you manage it is up to you. You can buy or sell shares at any time, pretty much, though it may take a few days for the transaction to ""settle"" and take effect. You can do this via checks, or you can give the broker (or the investment house, if you are dealing directly with them as I do) permission to take money from or put money to your bank account when you tell them you want to buy or sell shares. You may be able to set up direct deposit; talk to your employer about that. Or you may be able to have your bank make a periodic transfer/purchase for you."

The Livret A is a very specific product. It's tax-exempt and would historically not be available through regular banks. Commercial banks can now offer it but they only collect the money on behalf of the Caisse des dépôts (CDC). The CDC then pays interest to the savers and a commission for the bank. The commission is baked into the system, not charged to the customer directly but since the interest rate is set centrally, banks cannot compete on that. So this is risk-free money for them (but on the flip side it does not help them meet capital adequacy requirements). Other savings account or products have different rules. Another angle to consider is that a livret A was historically very attractive for consumers (and was certainly perceived as such) so that many people would have a checking account at a regular bank and another account at the Caisse d'épargne or the Banque postale just to open a livret A. For commercial banks, the alternative therefore isn't having your money on your checking account vs. your livret A or another savings account, it was having your money on a livret A they administer vs. seeing you run away to another institution. There is also a cap on the livret A and you're not allowed to save more money by opening several of them at different banks. At the same time banks have been complaining that the decrease of the interest rate (and consequently of their commission) makes the whole scheme a lot less interesting for them. For what it's worth, I recently (re)opened a bank account in France after living abroad for a long time and the customer advisor did not seem particularly interested in pushing a livret A.

wtf.  look at that image.  its supposed to show a horrible, disgusting, greedy, rich, 80-year-old unfairly hoarding money.  but check it out -- the mattresses are old and cheap, bare like in a flophouse, and the bills are $1 and $5.    statistically, i think being scared and hiding your fixed-income under a crappy mattress is a more accurate depiction of old age nowadays, than being a trillionaire and bathing in champagne.  i realize this will be an unpopular thought.  its very satisfying to have a group to blame for everything.  its scary the extent to which we're being led to hate each other in groups  =:-(

The rule that I know is six months of income, stored in readily accessible savings (e.g. a savings or money market account).   Others have argued that it should be six months of expenses, which is of course easier to achieve.  I would recommend against that, partially because it is easier to achieve.  The other issue is that people are more prone to underestimate their expenses than their income.  Finally, if you base it on your current expenses, then budget for savings and have money left over, you often increase your expenses.  Sometimes obviously (e.g. a new car) and sometimes not (e.g. more restaurants or clubs).  Income increases are rarer and easier to see.   Either way, you can make that six months shorter or longer.  Six months is both feasible and capable of handling difficult emergencies.  Six years wouldn't be feasible.  One month wouldn't get you through a major emergency.   Examples of emergencies:   Your savings can be in any of multiple forms.  For example, someone was talking about buying real estate and renting it.  That's a form of savings, but it can be difficult to do withdrawals.  Stocks and bonds are better, but what if your emergency happens when the market is down?  Part of how emergency funds operate is that they are readily accessible.   Another issue is that a main goal of savings is to cover retirement.  So people put them in tax privileged retirement accounts.  The downside of that is that the money is not then available for emergencies without paying penalties.  You get benefits from retirement accounts but that's in exchange for limitations.   It's much easier to spend money than to save it.  There are many options and the world makes it easy to do.  Emergency funds make people really think about that portion of savings.  And thinking about saving before spending helps avoid situations where you shortchange savings.   Let's pretend that retirement accounts don't exist (perhaps they don't in your country).  Your savings is some mix of stocks and bonds.  You have a mortgaged house.  You've budgeted enough into stocks and bonds to cover retirement.  Now you have a major emergency.   As I understand your proposal, you would then take that money out of the stocks and bonds for retirement.  But then you no longer have enough for retirement.  Going forward, you will have to scrimp to get back on track.   An emergency fund says that you should do that scrimping early.  Because if you're used to spending any level of money, cutting that is painful.  But if you've only ever spent a certain level, not increasing it is much easier.  The longer you delay optional expenses, the less important they seem.   Scrimping beforehand also helps avoid the situation where the emergency happens at the end of your career.  It's one thing to scrimp for fifteen years at fifty.  What's your plan if you would have an emergency at sixty-five?  Or later?  Then you're reducing your living standard at retirement.   Now, maybe you save more than necessary.  It's not unknown.  But it's not typical either.  It is far more common to encounter someone who isn't saving enough than too much.

Put Options. They're less risky than shorting, and have similar upsides. The major difference is that if the price goes up, you're just out the underwriting price. You'll also need to know when the event will happen, or you risk being outwaited.  More traditionally, an investor would pull their money out of the market and move into Treasury bonds. Recall that when the market tanked in 2008, the price of treasuries jumped. Problem is, you can only do that trade once, and it hasn't really unwound yet. And the effect is most pronounced on short term treasuries, so you have to babysit the investment. Because of this, I think some people have moved into commodities like gold, but there's a lot of risk there. Worst case scenario you have a lot of shiny metal you can't eat or use.

From the Massachusetts Department of Revenue:   1st - Massachusetts Source Income That is Excluded   Massachusetts gross income excludes certain items of income derived from sources within Massachusetts: non-business related interest, dividends and gains from the sale or exchange of intangibles, and qualified pension income. 2nd - Massachusetts Source Income That is Included:   Massachusetts gross income includes items of income derived from sources within Massachusetts. This includes income: 3rd - Trade or business, Including Employment Carried on in Massachusetts:   A nonresident has a trade or business, including any employment carried on in Massachusetts if: A nonresident generally is not engaged in a trade or business, including any employment carried on in Massachusetts if the nonresident's presence for business in Massachusetts is casual, isolated and inconsequential. A nonresident's presence for business in Massachusetts will ordinarily be considered casual, isolated and inconsequential if it meets the requirements of the Ancillary Activity Test (AAT) and Examples. When nonresidents earn or derive income from sources both within Massachusetts and elsewhere, and no exact determination can be made of the amount of Massachusetts source income, an apportionment of income must be made to determine that amount considered Massachusetts gross income. 4th - Apportionment of Income:   Apportionment Methods:   The three most common apportionment methods used to determine Massachusetts source income are as follows:   Gross income is multiplied by a:   So if you go to Massachusetts to work, you have to pay the tax.  If you collect a share of the profit or revenue from Massachusetts, you have to pay tax on that.  If you work from Oregon and are paid for that work, then you don't pay Massachusetts tax on that.  If anything, your company might have to pay Oregon taxes on revenue you generate (you are their agent or employee in Oregon).   Does the answer change depending on whether the income is reported at 1099 or W-2? This shouldn't matter legally.  It's possible that it would be easier to see that the work was done in Oregon in one or the other.  I.e. it doesn't make any legal difference but may make a practical difference.   All this assumes that you are purely an employee or contractor and not an owner.  If you are an owner, you have to pay taxes on any income from your Massachusetts business.  Note that this applies to things like copyrights and real estate as well as the business.   This also assumes that you are doing your work in Oregon.  If you live in Oregon and travel to Massachusetts to work, you pay taxes on your Massachusetts income in Massachusetts.


Question: (Theoretical) Paying credit cards with other credit cards

If you had a CC issuer that allowed you to do bill-pay this way, I suspect the payment would be considered a cash advance that will trigger a fee and a pretty egregious cash advance specific interest rate.  It's not normal for a credit payment portal to accept a credit card as payment. If you were able to do this as a balance transfer, again there would be fees to transfer the balance and you would not earn any rewards from the transferred balance.  I think it's important to note that cash back benefits are effectively paid by merchant fees.  You make a $100 charge, the merchant pays about $2.50 in transaction fee, you're credited with about $1 of cash back (or points or whatever).  Absent a merchant transaction and the associated fee there's no pot of money from which to apply cash back rewards.

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

"Over on Quantitative Finance Stack Exchange, I asked and answered a more technical and broader version of this question, Should the average investor hold commodities as part of a broadly diversified portfolio?  In short, I believe the answer to your question is that gold is neither an investment nor a hedge against inflation. Although many studies claim that commodities (such as gold) do offer some diversification benefit, the most credible academic study I have seen to date, Should Investors Include Commodities in Their Portfolios After All? New Evidence, shows that a mean-variance investor would not want to allocate any of their portfolio to commodities (this would include gold, presumably). Nevertheless, many asset managers, such as PIMCO, offer funds that are marketed as ""real return"" or ""inflation-managed"" and include commodities (including gold) in their portfolios.  PIMCO has also commissioned some research, Strategic Asset Allocation and Commodities, claiming that holding some commodities offers both diversification and inflation hedging benefits."

The people who share our tastes are not watching most TV channels anymore. People who have a TV and spare money are subscribed to the premium cable channels and mostly watch those shows. Young people watch TV on their computers and don't see the ads.  As a result, the rest of the TV channels have to cater to the vast population of Ghost Hunters fans and Survivor addicts.

There are other answers here about how much you can deduct for a home office. What seems unique is the question of whether you can deduct it for both your LLC and for your employment. Unless your LLC owns the home, you cannot deduct the depreciation directly. Instead you have to charge your LLC rent for the time that you are using the space for the LLC. That rent must be declared as income on your personal tax return, and you can then offset some of it with the time you spend in that space working for your employer and depreciation for time it is being rented to your LLC. Using a strategy this complex may save you a few bucks on your return, but this is definitely an area where a tax professional is worth the expense making sure you get it right.

Your point being? It is indeed possible that she is totally clueless about information security and the fact that her organisation got hacked big time is not promising in that respect, but to disqualify someone purely on their formal education is equally discomforting. But since I only have a bachelor degree in musicology (have worked in IT ever since) you probably don't consider my comment worth reading.

They might be concerned with having to charge sales tax in California if they have a single employee in California, creating a nexus situation with CA. If that's the case, or even if there is some other issue, you might be able to switch from being a W2 employee to being a 1099 independent contractor. There's a host of additional issues this could cause, but it alleviate the nexus problem (if THAT is the problem). Here's a terrible solution you can bring up, but shouldn't do under any circumstances: offer to set up a mailing address in an allowed State, and give your company plausible deniability with regards to your legal residence. Obviously, this is a terrible idea, but exploring that option with your employer would help you suss out what the actual objection is. Ultimately, anything said here about the reason is just conjecture. You need to talk to the decision maker(s) about the real reason behind the denial. Then you can talk through solutions. Also - don't forget that you can get another job. If you are serious about a future with your girlfriend, you should put that relationship ahead of your current employment comfort and security. If you are willing to walk away from your position, you are in a much better situation to negotiate.

Trauma and Post Traumatic Stress Disorder has become much more common now than it used to be, and it shakes the whole foundation of one’s life. It generally sprouts from various underlying emotional issues and makes us afraid of everything. We at Transformations Coaching & Hypnotherapy, help our patients heal through many different techniques.


Question: Postbank (Germany) - transferring money to the US - what are the best options?

For those who are interested, I am answering my own question: We used Postbank and transferred 6000 Euro, we chose to Transfer in US$, and selected Shared Fees. There were three fees in total: All in all, I paid ~37$; this is about half of what I expected; and I got a perfect exchange rate. Postbank might have its downsides, but it seems they are still a good deal.

"I use ""Money Manager Ex"" which is a Windows application I use on PC to log my transactions and for simple statistic. They have two versions, simple standlone application and self-hosted web app."

"What you have is usually called a pre-paid credit card.  You pay some money (Indian Rupees) to the credit card company, and then you can use the card to pay for purchases etc in foreign (non-Indian) currencies upto the remaining balance on the card. If a proposed charge exceeds the remaining balance, the transaction will be declined when you try to use the card.  There might be multiple ways that the card is set up, e.g. it might be restricted to charge purchases denominated in US dollars alone, or you might be able to use it anywhere in the world (except India).  The balance on the card might be denominated in INR, or in US$, say. In the latter case, the exchange rate at which your INR payment was converted into the $US balance is fixed and agreed to at the time of the original payment: you paid INR 70K (say) and the balance was set to US$ 1000 even though the exchange rate on the open market would have given you a few more US dollars. In the former case with the balance denominated in INR, a charge of US$ 100, say, would be converted to INR at a fixed agreed-upon rate, or at the current exchange rate that the Visa or MasterCard network is using, plus (typically) a 3% fee currency exchange fee, and your balance in INR will decrease accordingly. With all that as prologue, if you made a purchase from Walmart USA and later returned it for a credit, it should increase your credit card balance  appropriately. You may be whacked with currency conversion fees along the way depending on how your card is set up, but with a US$-denominated card, a credit of US$100 should increase your card balance by US$100. So, that $US 100 can be spent on something else instead.  In short, the card is   your ""bank"" account. You cannot spend more than the remaining balance on the card just like you cannot withdraw more money from your bank account than you have in the account, and you can recharge your card by making more INR payments into it so as to increase the available balance. But it is like a current account in that you are unlikely to earn interest on the balance the way you do with a savings account. So what if you are back in India and have no further use of this card? Can you get your balance back as cash or deposit into your regular bank account? Call the Customer Help line, or read the card agreement you signed."

"To be deductible, a business expense must be both ordinary and necessary. An ordinary expense is one that is common and accepted in your trade or business. A necessary expense is one that is helpful and appropriate for your trade or business. An expense does not have to be indispensable to be considered necessary.  (IRS, Deducting Business Expenses) It seems to me you'd have a hard time convincing an auditor that this is the case.  Since business don't commonly own cars for the sole purpose of housing $25 computers, you'd have trouble with the ""ordinary"" test.  And since there are lots of other ways to house a computer other than a car, ""necessary"" seems problematic also."

"In the US, this was the case during the 19th century. There was a system of ""subscriptions"" between banks, where larger banks backed the smaller banks to some extent. In trade, notes from distant banks were not accepted or discounted relative to known local banks, or silver/gold coinage. There were a number of problems with this system which came to a head during the Panic of 1907. During this crisis, a cascading series of banking failures was only stopped by the personal intervention of JP Morgan. Even when Morgan intervened, it was very difficult to make capital available in a way that avoided the panic. The subsequent creation of the Federal Reserve was a response to that crisis."

"This is the best tl;dr I could make, [original](https://www.theatlantic.com/technology/archive/2017/06/when-exactly-does-amazon-become-a-monopoly/530616/) reduced by 95%. (I'm a bot) ***** > On Friday morning, Amazon announced it was buying Whole Foods Market for more than $13 billion.  > From a straightforward standpoint, the Whole Foods acquisition means that Amazon will now participate in the $700 billion grocery-store business.  > In the near term, the Whole Foods purchase worries some analysts most because it immediately gives Amazon another infrastructural advantage: more than 400 small warehouses, spread out across some of the most affluent neighborhoods in the United States.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6hvpa5/after_the_whole_foods_acquisition_is_amazon_a/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~146826 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Amazon**^#1 **more**^#2 **Market**^#3 **company**^#4 **think**^#5"

I shopped in both in Germany... with the slightly different logos at the time (colors differed).  I would think the two cooperate very strongly together with logistics and specials, but I may be wrong.  It just seemed they were very similiar and iirc had the same specials at the same times.

Be aware that ATM withdrawals often generate hidden fees, which are not obviously declared. Many banks operate e.g. with a currency exchange fee, giving you an exchange rate some 1-2% lower than actually applicable. If you withdraw larger amounts, such a currency exchange fee easily adds up to what you would have paid for a wire transfer, where you would get a better exchange rate. Although it's probably much hassle for you to change banks, another option may be to find a bank which operates both in France and the US. Banks with different national branches often offer cheap and fast wire transfers between same-bank accounts in different countries. E.g. Citibank used to offer such services, but I am not sure if they still serve private customers in France.


Question: Did an additional $32 billion necessarily get invested into Amazon.com stock on October 26th, 2017?

Stock A last traded at $100. Stock A has 1 million shares outstanding. No seller is willing to sell Stock A for less than $110 a share. One buyer is willing to buy 1 share for $110. The order executes. The buyer pays the seller $110. Stock A's new price is $110. An $110 investment increased the market cap by $10 million. Neat trick (for all who own Stock A).

Banks consider investment mortgages (and any mortgage where you don't live in the property), as a riskier investment than an owner occupied, home collateral mortgage. The sources of increased risk range from concerns that you will screw up as a landlord, your tenants will destroy the place, you won't have tenants and can't afford to pay the bank, and/or you'll take out several other investment mortgages and over extend yourself. All of these risks are compounded by the fact that it is harder for the bank to convince you to pay when they can't put you out on the street if you default. Banks lend and invest in money, not real estate, so they would much rather have a paying loan than a foreclosed house, especially with the modern foreclosure glut. The increased risk means the bank will charge higher interest for the loan, may require a higher downpayment, and will require higher lending standards before issuing the loan. A new housing investor can get around these higher prices by living in the home for a few years before renting it out (though your lender could possibly require you to renegotiate the loan if you move out too soon).

I don't think there's anything to worry about.  TFS doesn't really care who's paying, as long as the loan is being paid as agreed.  Of course you're helping your dad's credit history and not your own, but I doubt TFS would give back money just because it came from your bank account. A business may claim a payment wasn't made against the loan, but you'd have the records that you did in fact pay (keep those bank statements).  In theory they could sue you, in practice you'd send them the proof and they'd investigate and find the misplaced money.  THAT does happen sometimes; the wrong account is credited.  If it did end up in court, again you'd win because you have proof you sent payments.  Even if you put the wrong loan account number to pay to, you'd have proof you in fact sent the money.   If you're talking about something like a loan shark... they can do whatever they like.  They won't sue you though, because again you'd have proof.  That's why they'd use violence.  But probably a loan shark wouldn't falsely claim you didn't pay if you did, as word would get out and the loan shark would lose business.  And again, as long as they get what's agreed to, they don't care how they get it or who they get it from.

Enough. Please God enough. The 1% is not some omniscient group meeting in some lair somewhere. They don't all wear monocles and hang around to scheme and deal in back rooms. Enough. They are just people making $800,000 or more. Surgeons, financiers, lawyers, entrepreneurs, etc.   I understand this argument and its importance, and completely agree that something isn't right here, but Jesus Christ stop personifying the 1% as some sort of scheming group of evil masterminds bent on world destruction.

Yeah, this benefits the buyer who made an impulse purchase because they saw a celebrity wearing something similar and thought it was cool. Then a few weeks later it becomes another piece of discarded junk.   I think the free market can work, but this is not the way. There are a lot of external costs that nobody is paying for, especially all the waste associated with producing junk products like this.

> I don't understand what all the fuss is about  a LOT of people are heavily vested in extracting American money, e.g. The Musker and taxpayer subsidies for his cars and solar.  Al Gore became super wealthy trading carbon and corporations that feed the frenzy like GE and their bird killing wind turbines

"I am not referring to grafting... grafting does not even modify genes in any way, all it does is make a single-use plant that has two different fruits growing on it.   I am referring to human-guided pollination and human-guided hybridization to encourage selective traits, something that botanists and farmers have been doing for thousands of years, long before genes were even known to exist.   Every single apple commercially sold is a result of human-guided evolution, there are no ""virgin varieties"" anymore and haven't been for hundreds of years. The same is true of bananas and cotton and many other cash crops.   The difference between human-guided evolution thousands of years ago is not safety - any single plant hybrid created by traditional means could just as easily be the ""apocalypse crop"" as one created with modern gene manipulation methods. In fact, modern gene manipulation methods are FAR SAFER as one can computer model the expected outcome of what is going to happen, instead of simply crossing your fingers and hoping for the best.      And part of participating in organic food production is a discontinuation of petrochemical fertilizer. Yes, we use vast amounts of petroleum product to fertilize farmland. If you want to reduce our reliance on fossil fuels, organic production is part of that.   Actually studies show that the incredibly reduced yields and efficiencies resulting from organic farming INCREASE the carbon footprint of organic crops, and that organic is actually the most environmentally un-friendly way to farm... so you're dead wrong. http://appliedmythology.blogspot.ca/2013/04/six-reasons-organic-is-not-most.html"

If they had told me that I owe them $10,000 from 3 years ago, I   wouldn't have anything to fight back. Why? First thing you have to do is ask for a proof. Have you received treatment? Have you signed the bill when you were done? This should include all the information about what you got and how much you agreed to pay. Do they have that to show to you, with your signature on it? If they don't - you owe nothing. If they do - you can match your bank/credit card/insurance records (those are kept for 7 years at least) and see what has been paid already. Can a doctor's office do that? They can do whatever they want. The right question is whether a doctor's office is allowed to do that. Check your local laws, States regulate the medical profession. Is there a statute of limitation (I'm just guessing) that forces them   to notify me in a certain time frame? Statute of limitations limits their ability to sue you successfully. They can always sue you, but if the statute of limitations has passed, the court will throw the suite away (provided you bring this defense up on time of course). Without a judgement they cannot force you to pay them, they can only ask. Nicely, as the law quoted by MrChrister mandates. They can trash your credit report and send the bill to collections though, but if the statute of limitations has passed I doubt they'd do that. Especially if its their fault. I'm not a lawyer, and you should consult with a lawyer licensed in your jurisdiction for definitive answers and legal advice.


Question: Sale of jointly owned stock

"It depends on when she became the shareholder of record. When your wife received the stock, was ownership clearly transferred to her?  If it was, then she should have the right to sell it if she wants.  The gross amount of the sale will be reported to the IRS, and then it will be up to you (and/or your tax advisers) to determine its tax basis so that you pay tax only on the appropriate gain. If she hasn't become the shareholder of record yet, then it can be a bit of a mess.  Your wife's father saying ""Merry Christmas; I'm giving you 500 shares of AAPL"" doesn't transfer ownership to you.  Him calling up the brokerage and transferring them into an account with her name (or her name and his name) does. Is your wife's father's estate settled yet?  If not, then sorting all of this out is part of the fun.  If it is, and this asset was left dangling out there, then that's beyond anything I know about."

Agreed. Another benefit to cold calling is that it drastically increases your ability to make prank phone calls. I do this every now and then whenever I get bored at the office and decide to mess with my friends. It's mildly entertaining.

I recommend you two things: I like these investments because they are not high risk. I hope this helps.

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Bank lending, insurance and derivatives: all dependent on Europe. Metals and shipping: tiny niche industries that have relatively few tax payers actually sitting in London.  Sorry buddy, but without Europe London is just a regional financial centre that mostly services the UK economy with a few niche international areas that don't bring in that much business.

"As you clarified in the comments, it is not a contract work but rather an additional temporary assignment with the same employer. You were paid for it in form of a ""bonus"" - one time irregular payment, instead of regular periodic payments. Irregular wage payments fall under the flat rate withholding rule (the 25% for Federal, some States have similar rules for State withholding). This is not taxes, this is withholding. Withholding is money the employer takes from your salary and forwards to the IRS on the account of your tax liability, but it is not in itself your tax liability. When you do your annual tax return, you'll calculate the actual tax you were supposed to pay, and the difference between what was withheld and your actual tax will be refunded to you (or owed by you, if not enough was withheld). You can control the regular pay withholding using W4 form."

Nope, because Ticketmaster has many venues locked up to the point Amazon will not be able to compete with them there.   Until and unless Amazon can break into those contracts, Ticketmaster will still have a monopoly over many of the best venues.

Except the ads before a movie are not the primary revenue source, and just because data can be gathered, doesn't mean it is worth anything. Unless they have some incredibly obtuse and far reaching method of finding all kinds interconnecting phenomena, their data isn't going to be much better than what theaters or a service like Fandango probably already offer. There's an endless web of attributes that can make or break a movie, and studios have been refining prediction, measurement, and testing for decades. I don't think a movie ticket app is going to have any game changing insights that tells them who to cast, how to write, or who to market to. It isn't that hard to work out demos and viewing habits of their audience, in fact it's probably among the easiest data they already collect.