Question: What is buying pressure?

"Buying pressure is when there are more buy orders than sell orders outstanding.  Just because someone wants to buy a stock doesn't mean there's a seller ready to fill that order.  When there's buying pressure, stock prices rise.  When there's selling pressure, stock prices fall. There can be high volume where buying and selling are roughly equal, in which case share prices wouldn't move much. The market makers who actually fill buy and sell orders for stock will raise share prices in the face of buying pressure and lower them in the face of selling pressure.  That's because they get to keep the margin between what they bought shares from a seller for and what they can sell them to a new buyer for.  Here's an explanation from InvestorPlace.com about ""buying pressure"": Buying pressure can basically be defined as increasingly higher demand for a particular stock's shares. This demand for shares exceeds the supply and causes the price to rise. ... The strength or weakness of a stock determines how much buying or selling interest will be required to break support and resistance areas. I hope this helps!"

Some examples where an HOA is a positive thing: 1) Amenities: Maybe it is professionally maintained landscaping at the front of the subdivision, or a playground, or community pool. An HOA provides a convenient way to have things like that and share the costs among all the people who benefit. 2) Legal Advocacy: I live in a neighborhood (rural) without an HOA. My neighbor decided to start an auto-repair shop on his property which was CLEARLY a violation of the covenants. There isn't really a Government body you can report them to that will swoop in and make them stop a neighbor from destroying your property values even if they signed an agreement when they bought it to the contrary. You need to hire a lawyer and sue them and that costs money and time. Also, in many cases if you wait too long they can get an exception grandfathered in because no one raised an issue about it. An HOA exists to watch for this kind of thing and nip it in the bud rather than making homeowners have to hassle with the time/expense. 3) Independence: Assuming no HOA, and assuming you are okay with suing your neighbor over violating a covenant. That makes for a very uncomfortable situation between you and that neighbor. Having a neutral 3rd party take action on your behalf anonymously can greatly help that situation. It's not all about making people ditch their basketball goals, or garden gnomes. They also protect you from other obnoxious stuff like junky mobile homes in high-end neighborhoods, the guy who blocks half the street permanently with his RV/Boat parked on the curb, three foot tall grass that is an eyesore and a fire hazard, a taco stand opening in your neighbors garage,  etc.

Purchase capital asset (deductible expense). Sell capital asset next year, then use the proceeds of the sale to pay your employees.  Unless you buy in a quickly gentrifying area you'll have a fair amount of unrecoverable expenses like closing costs, repairs, etc that you won't make up with an increase in property value. Plus property taxes, utilities, etc. And who knows how quickly you can sell the place, might end up with a bloated useless asset and no money to pay employees. And in an audit an asset purchased with no actual use to the business will get disallowed.  Either retain the earnings and take the tax hit, or make a deal with your employees to pre pay them their next year's salary. Of course if you fire someone or they quit good luck getting the overpaid portion back.

"You most definitely can appeal the county's appraisal of your property.  How to do so, and your odds of success will vary widely by your location, but I have successfully appealed the valuation on one of my rental properties. I asked my realtor to provide me with recent sales of comparable homes in the neighborhood & provided them along with my appeal as evidence of what I felt a reasonable valuation should be.  One of three things will happen: 1) Your appeal will be accepted, 2) It will be denied, or 3) you will be asked to come in & plea your case in front of the county assessor. In my case, the county accepted my appeal without needing to testify. Look around your county assessor's website ... you will probably be able to find the form necessary for filing an appeal.  If not, give them a call & they'll tell you the procedure. The county generally uses a simplistic statistical model to do their valuations. Little to no human time is spent reviewing your home's value, so it's quite possible for their valuation to be unreasonable.   An appeal can take a bit of time & paperwork, but can definitely be worth the effort if the county's valuation is way off. Hope this helps! @mhoran_psprep Your point is well taken that in practice the relationship between sales prices & tax assessments is a bit more tenuous. The waters get muddy when property values have a large swing (like the past 5 years). When tax assessor's started seeing large drops in property values during the recession (and consequent drops in their budgets), I'm sure there was considerable pressure to prevent wholesale decreases in tax valuations. It's politically easier to ""prop-up"" falling valuations than to raise tax rates.  However, the fact remains that the models that assessors use in determining property values are based on sales history - thus, I believe (and have found) that recent sales can be a persuasive piece of evidence in a property tax assessment appeal."

Not sure if serious or not, but i'll bite. First of all the service you are purchasing is the access to credit card, which runs on a network supplied by financial institutions. Secondly credit card is an optional fee, taxes are mandatory (unless you are a crook).

Then we should create a derivative that allows people to bet on the bond failing, and package tons of them into securities, which you can swap for cash. You're swapping a bet on someone defaulting on their credit... Swapping a credit default... Hmm... I don't see this going wrong in any way.

Electronics dropshippers will offer you an tremendously big selection of digital merchandise at wholesale selling   prices.What ever type of electronic items you are searching for, and regardless if you desire to promote them inside   of your store, on your own web page or on eBay you'll discover what you are on the search for the following.

"You mean ""Greece has asked China for loans"" and China might've taken them seriously.    In no way does that transition into any sort of reasonable expectation that China buy up European debt.  Much less buy it up and then ignore it for a while, which is obviously what Europe is hoping for."


Question: How do I claim HST compensation on my personal Ontario income taxes?

"Your income and expenses for the business should be independent of HST. That is, if you charged somebody 100 + 13 HST, you have revenue of 100. You're going to send the 13 to the government later, it's not part of your revenue. If you go out and buy something for 10 + 1.30 HST, you record 10 as an expense. You're going to take the 1.3 off the 13 you would have sent the government, it's not part of your expenses. And so on.  I am not sure what you mean by ""HST compensation"" but if it came from the government, and it needs to be declared as income, there will be information to that end in the letter that comes with the cheque. (For example, if they pay you interest on your refund, the letter reminds you to include that money in next year's income.)"

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"The editorial highlights some reasonable reforms-- consistent and transparent pricing--- and then seemingly takes a left turn. This concept or ""cutting out the middle man"" is a fantasy born of a time when local doctors provided affordable but limited care to a limited population. It's been a hollow talking point perpetuated by industry lobby in response to single-payer proposals. Keeping health care between patient and doctor doesn't address the key reasons why health insurance exists in the first place.   The author suggests government-funded escrow accounts for those who can't afford the cost of healthcare. What about those just above the needs-tested cutoff? It seems that this approach disregards and therefore punishes the middle class. Must those with chronic illness become indigent before the government will assist in their care? The point of insurance is that when you get sick, you aren't left spending your life savings on medical care. Level and transparent pricing doesn't change the fact that certain treatments are still going to be expensive. The auto insurance comparison always frustrates me because people are not cars. If your car is breaking down every 30 miles, you can take out a loan and get a new car. A new body, not so much. Furthermore, every auto insurance claim raises your premium. All of this amounts to a tax on sick people.   Single payer or even Medicaid for all (who want it) means the government has enormous pool of patients (or consumers if you wish) with which to negotiate pricing. Do you really think St. XYZ Hospital is going to cut you, an individual, a deal for no reason? Where is the leverage? Particularly in the case of emergencies?  It isn't perfect, but politicizing and misconstruing the tragic case of a brain-dead infant does not strengthen your argument. Charlie Gard's case was not a matter of death panels; it was a matter of heartbroken parents in denial that their children was not going to get better. It's indeed an ethical quandary and no doubt a tragedy, but the hopelessness of the situation was not dictated by a heartless government but by health care professionals.   This is much more than I wished to say initially, but I am tired of seeing simplified fantasy being sold as panacea for what is an extremely complicated subject. Also, I'm not a public policy scholar, but I think I've done a better job than the author."

What's f'd up is that we live in a business culture that allows this stuff to happen.  Capitalism where the end consumer is a product to be sold to shareholders and regulations are the antichrist unless they are the monopolies that allow them to treat their costumers like shit in the first place.

Very rarely would an investor be happy with a 4% yield independent of anything else that might happen in the future. For example, if in 3 years for some reason or other inflation explodes and 30 year bond yields go up to 15% across the board, they would be kicking themselves for having locked it up for 30 years at 4%. However, if instead of doing that the investor put their money in a 3 year bond at 3% say, they would have the opportunity to reinvest in the new rate environment, which might offer higher or lower yields. This eventually leads fixed income investors to have a bond portfolio in which they manage the average maturity of their bond portfolio to be somewhere between the two extremes of investing it all in super short term/ low yield money market rates vs. super long term bonds. As they constantly monitor and manage their maturing investments, it inevitably leads them to managing interest rate risk as they decide where to reinvest their incremental coupons by looking at the shape of the yield curve at the time and determining what kind of risk/reward tradeoffs they would have to make.

I am assuming this is USA. While it is a bit of a pain, you are best off to have separate accounts for your business and personal.  This way, if it comes to audit, you hand the IRS statements for your business account(s) and they match your return.   As a further precaution I would have the card(s) you use for business expenses look different then the ones you use for personal so you don't mess another one up.

"Are IP rights Intellectual Property rights?  What do you mean by the thunderdome for inventors without government created monopolies?   I've tried to google, but the answer eludes me. Would you elaborate on how ""rolling back IP protection to compete,"" works?"

Chipotle is not some huge chain that impacts American's total consumption of beef. Shit.. they only have like 5 menu items anyway. The place is for tools who like to pretend eat healthy. Next we'll hear Panara Bread is driving the nation to sustainable agriculture. Antibiotic free meat does not have a large market in the US. Sure... that tiny market may be growing, but it's comparable to preaching that Apple is about to overtake Microsoft.   Without legislation people will NOT make the right decision. They will eat what's cheap. Just look at the numbers. McDonalds rules fast food with low quality dirt cheap burgers. When Chipotle makes a dollar menu then they might have a real impact.


Question: Is there an online cost-basis calculator that automatically accounts for dividend re-investments and splits?

Google Finance portfolios take into account splits and cash deposits/withdrawals.

I'd start paying off the smallest balance first.   Hopefully, that can get cleared in a few months.   When that happens, close the account and try to get your bank loan again.    Keep repeating this process until either you pay off all of the debt.     After you've paid off one or two loans and put the negative marks of your credit history further into the past, you'll be able to make better progress.

I am drug free and willing to move cross country to work for you for the right money. I am college educated, great with my hands, and have a blue collar employment background. Let me know if you're interested.  Time to sit back and watch the job offers roll in.

"Moneydance is a commercial application that is cross-platform. Written in Java, they run and are supported on Windows, Mac and Linux. They integrate with many financial institutions and for those that it cannot, you can import a locally downloaded file. I have used it for several years on my Mac, but have no company affiliation. I'm not sure if by saying ""Unix"" software you meant FOSS of some kind, but good luck in any case."

Non-target undergrad in the south, but I networked with right people. Through the finance clubs I got an equity research role for the school's investment fund and leveraged that for an interview at a home developer but the partners there ultimately went with someone else. They happened to be investors at the firm I currently work at and thought my background would make me a good fit. Once I started working there, I took on as many projects/responsibilities as I could. I'm actually in the process of partnering up with the trader to take on some outside investors and get his algos running. He's been trading for ~25 years and I couldn't believe what his returns were at first, so I'm fairly excited to work with him.

Herd immunity is just another bullshit soundbite from Big Pharma marketing trying to scare you into legislating a massive increase in their market share.  If you are vaccinated, you are immune... unless your vaccines are crap. This is why we sent kids to play with the kids with chickenpox--to acquire immunity. And why kids (and adults) who already had chickenpox don't fear catching it again.

In personal finance circles this is called an Emergency Fund. There are many opinions about how big it needs to be but most seem to come in around 3-6 months worth of your average expenses. Any more than that and you're going to loose money to inflation, less and you will start having problems if you get laid off or have a medical issue.

Yes an index is by definition any arbitrary selection. In general, to measure performance there are 2 ways: By absolute return - meaning you want a positive return at all times ie. 10% is good. -1% is bad. By relative return - this means beating the benchmark. For example, if the benchmark returns -20% and your portfolio returns -10%, then it has delivered +10% relative returns as compared to the benchmark.


Question: Are stock prices purely (or mostly) only based on human action?

Stock prices are indeed proportional to supply and demand. The greater the demand for a stock, the greater the price. If they are, would this mean that stock prices completely depend on HOW the public FEELS/THINKS about the stock instead of what it is actually worth? This is a question people have argued for decades. Literature in behavioral finance suggests that investors are not rational and thus markets are subject to wild fluctuation based on investor sentiment. The efficient market theory (EMT) argues that the stock market is efficient and that a stock's price is an accurate reflection of its underlying or intrinsic value. This philosophy took birth with Harry Markovitz's efficient frontier, and Eugene Fama is generally seen as the champion of EMT in the 1960's and onward.  Most investors today would agree that the markets are not perfectly efficient, and that a stock's price does not always reflect its value. The renowned professor Benjamin Graham once wrote: In the short run, the market is a voting machine but in the long run it is a weighing machine. This suggests that prices in the short term are mainly influenced by how people feel about the stock, while in the long run the price reflects what it's actually worth. For example, people are really big fans of tech stocks right now, which suggests why LinkedIn (stock: LNKD) has such a high share price despite its modest earnings (relative to valuation). People feel really good about it, and the price might sustain if LinkedIn becomes more and more profitable, but it's also possible that their results won't be absolutely stellar, so the stock price will fall until it reflects the company's fundamentals.

> For example, if you're one of the growing AI companies of the world who sees a unique trained-up xNN as core IP or trade secret, I would be hesitant deploying such a thing to Aliyun.  I'd be hesitant to deploy trade secrets to any machines not directly owned and managed.

> Because those conditions are arbitrarily set over a reality that does not conform to the fantasy with which they were contrived, by government officials that have no accountability to the post office's customers.  > They chose false morality and good feels over reality, and they aren't paying the price. We are.  https://www.afge.org/about-us/  > As a labor union, AFGE is in a unique position because it is not currently afforded the same full scope collective bargaining rights as workers in the private sector. For this reason in addition to negotiating working conditions at the bargaining table, AFGE coordinates a full-scale legislative and political action program to monitor issues that impact the government work force. **When Congress debates funding of vital government programs administered to the public by government workers or tackles employee health care issues, AFGE is on the scene representing its members.**

I appreciate the reminder of demographic issues, but the argument is weak. There are structural issues like low wages, increasingly part time jobs, student debt, automation, Boomer asset selloffs/deleveraging, and energy headwinds.  Houses are not sold just because a large cohort shows up. It's when they have the money. And the last crash dug so deeply that we are poised for another recession sparked by shale peaking within 2 years, just when we climbed out of the hole.

By buying the call option, you are getting the benefit of purchasing the underlying shares (that is, if the shares go up in value, you make money), but transferring the risk of the shares reducing in value. This is more apparent when you are using the option to offset an explicit risk that you hold. For example, if you have a short position, you are at unlimited risk of the position going up in value. You could decide you only want to take the risk that it might rise to $X. In that case, you could buy a call option with $X strike price. Then you have transferred the risk that the position goes over $X to the counterpart, since, even if the shares are trading at $X+$Y you can close out the short position by purchasing the shares at $X, while the option counterpart will lose $Y.

I am a firm believer in TD's e-series funds.  No other bank in Canada has index funds with such low management fees.  Index funds offer the flexibility to re-balance your portfolio every month without the need to pay commission fees.  Currently I allocate 10% of my paycheck to be diversified between Canadian, US, and International e-series index funds. In terms of just being for beginners, this opinion is most likely based on the fact that an e-series portfolio is very easy to manage.  But this doesn't mean that it is only for beginners.  Sometimes the easiest solution is the best one! :)

While the rest of the answers seem to be focusing on the parenting strategies around giving children an allowance, I'd like to address how to accomplish that.   I think the best most reasonable way to just to supply him with a checking and savings account at whichever bank you use.  Most reasonable banks will have some form of no-fee account for minors/young people; others will waive fees if you have it paired with your account.  Whatever way to can swing it, get the kid an account he can deposit/withdraw from and that is free of any additional services.  He doesn't need to learn the pain of overdrafts or random fees yet.  Then, just set up a recurring weekly/monthly transfer to the account, and let him determine his own allocation to savings and spending.  If he can manage it online, even better, that's a far more useful skill than knowing how to fill out a deposit slip at the bank.

"it is only sprayed on crops that are RoundUp ready, meaning the genome has been altered to accept RoundUp sprayed directly on the plant.    Jesus, reading this is like reading a memo directly from Monsanto.  You are blindly following the marketing of Monsanto with the ""how is RoundUp nasty"".  Really?  For fuck sake people, doctors used to recommend a certain brand of cigarette.  Wake the fuck up."


Question: Everyone got a raise to them same amount, lost my higher pay than the newer employees

"Why do you think you are entitled to ""fairness""? In this world you get what you get. I am pretty sure your employer is not paying you for how you ""feel"" either. And by-the-way turning up on time and not leaving early is not exceptional behaviour; it is expected behaviour. Bottom line: do you add more value to your employer's business then the new hires? If so, ask for a raise, if not find a way to add more value and then ask for a raise or keep doing what you're doing and accept what you get."

Less so today, but there was a time that women played a smaller role in the household finances, letting the husband manage the family money. Women often found themselves in a frightening situation when the husband died.  Still, despite those who protest to the contrary, men and women tend to think differently, how they problem solve, how they view risk. An advisor who understands these differences and listens to the client of either sex, will better serve them.

I am from India. I visited US 6-8 times on business VISA and then started 2 Member LLC. Myself and My wife as LLC Members. We provide Online Training to american students from India. Also Got EIN number. Never employed any one. Do i need to pay taxes? Students from USA pays online by Paypal and i am paying taxes in India. Do i need to pay Taxes in US? DO i need to file the Tax returns? Please guide me. I formed LLC in 2010. I opened an Office-taken Virtual office for 75 USD per month to open LLC in 2010. As there is physical virtual address, am i liable for US taxes? All my earning is Online, free lancing.

Meh?  Kinkos was bought by fedex in 2004. So it is really a combination of many things. [FedEx did win the USPS contract to handle Global Express Guaranteed Service](http://printmediacentr.com/2011/09/shipping-with-the-enemy-usps-partners-with-fedex/)  [Fedex also runs the overnight services an more](http://www.dmnews.com/fedex-usps-partnership-off-to-flying-start/article/74431/) FedEx pushes costly end delivery to USPS through SmartPost and yes FedEx owns kinkos and they charge $5 for a .20 box.

You keep addressing irrelevant points. You're advocating an incompetent business with an inefficient model to continue running just to keep people employed. You're further assuming that they'll stay unemployed and no other, more efficient firm will capitalize on the niche that opened up with sears' passing.   Don't let emotions stomp on logic.

At any point of time, buyer wants to purchase a stock at lesser price and seller wants to sell the stock at a higher price.  Let's consider this scenario  Company XYZ is trading at 100$, as stated above buyer wants to purchase at lower price and seller at higher price, this information will be available in Market depth, let's consider there are 5 buyers and 5 sellers, below are the details of their orders Buyers List Sellers List Highest order in buyers list will contain the bid price and bid quantity, Lowest order in Sellers list will contain the offer price and offer quantity. Now, if I want to buy 50 Stocks of company XYZ, need to place an order first, it can be either limit or Market. Limit Order : In this order, I will mention the price(buy price) at which I wish to buy, if there is any seller selling the stock less than or equal to price I have mentioned, then the order will be executed else it will be added to buyers list Market Order : In this order, I will not mention the price, if I wish to purchase 50 Stocks, then it will find the lowest offer price and buy stocks, in our case it will be 101. if I wish to purchase 200 Stocks, then it will find the lowest offer price and buy stocks, in our case it will be 2 transactions, since entire request cannot be accommodated in single order Usually the volume(Ask Volume and Offer Volume) being displayed are all Limit orders and not Market orders, Market orders are executed immediately. This is just an example, However several transactions are executed within a second, hence we will get to know the exact value only after the order is completed(executed)

It lowered healthcare costs, not eligibility. Updating hospital billings and stopping the god awful medicare advantage plans are a bit different than current plans to cut back services. The new bill cuts medicare revenue and removes eligibility for millions of seniors. It also cuts back on matching state payments to seniors.

It's rather evident that, despite the nay-sayers, food prices will go down due to this deal. Amazon is laser-focused on two things: making things cheaper and getting things to you faster. They've developed/ are developing a strong base of knowledge and development in machine learning, robotics, and blockchain, which would greatly facilitate these two tasks. However, as stated in the article, this will not have a significant effect on inflation due to the fact that the economy makes up for it in other respects (*cough* rising tuition and oil prices *cough*). It's interesting to note that food inflation was warned against by several experts within the past two years but this deal might change that (see: https://www.ers.usda.gov/data-products/food-price-outlook/summary-findings.aspx ).


Question: Can used books bought off Amazon be claimed as a tax deduction in Australia?

"VAT = Value Added Tax (as an Aussie think ""GST"") This is applicable in Britain. Basically, if you were in Britain, and if you could claim VAT as a deduction, that invoice is not sufficient proof to make the claim. But you're in Oz so it doesn't apply to you in any case. For work-related deductions like book purchases, see http://www.ato.gov.au/individuals/content.asp?doc=/content/00216829.htm&pc=001/002/068/001/002&mnu=&mfp=&st=&cy=1  Issues such as the books being second hand or purchased online are not cited in the instructions as relevant/limiting factors. In fact, if you really want to get into the nitty gritty, you could claim the work-related proportion of your internet access fees as a deduction (question D5 instructions, above, cover that as well)."

In the second example you are giving up future  free cash flows in exchange for a capital gain on the original investment. With that respect  the money you will not gain will be the difference of the future cash flows ( net of related costs) minus the net gain on the panel you have sold. The financial result can be considered as the opposite of a sunk cost, that is a cost you have already incurred ( and cannot be recovered)  vs net future gains you are giving up.  In more sophisticated financial terms we are talking about the  benefit-cost ratio:  ( from Investopedia)

"Right, but there were tangible reasons that made sense. That was fueled by a cycle of predatory loans and consumers being dumb enough to think that just because they got approved for a $500K house with a 500 credit score meant they should definitely take out massive loans and buy it. This was piled on by the derivative market, specifically credit default swaps, which certain people recognized as creating a liquidity issue. They didn't know *when* the crash was going to occur. They just knew that the asset bubble fueled by massive debt, with this debt being falsely rated as AAA when most of it was Junk, left banks in a position of complete insolvency when the mortgage defaults reached a certain point. When people realized the extent of the debt, (e.g. knowing with common sense that people with a 550 credit score shouldn't have 7 properties and be allowed to be that over-leveraged, let alone be rated AAA) and the amount of derivatives that would have to be paid out on top of having no cash flow due to mortgage defaults, they recognized that a bubble bursting would wreak havoc on the economy.       That had a lot of moving parts. Simply saying ""DAE OVERVALUED RECORD HIGHS CRASH COMING SOON!??!?!?!??!!??!?!?!? WHEN!??!?! HOW!!?"" is fucking stupid. Nobody knows. What evidence did OP offer? Not that he wouldn't still get laughed out because this topic is fucking annoying with thousands of people crying ""overvalued"", but he didn't even mention P/E ratio or anything. He literally came in and basically said ""when is it all gonna fall apart?"". Nobody knows the answer."

Vanguard might be the top provider of no-load mutual funds around.  Attempting to do better than 0.13% in fees is just as likely to cost you more time than the money you're attempting to say.  You're in your first job out of school--you've got better things to do with your time.

The mode of payment mentioned by your bank is called the ACH(Automatic Clearing House) which means that anyone(Trusted payment gateway owners like banks themselves) can process payments. There can be a fraud declared against any payment that you have made and you can get every single penny back. This amount can not be withdrawn in cash at all. However for your situation I would suggest that you ask your bank to block any transactions above the amount of a specific sum, this way they will require your authorization to finalize the payment. You should feel safe after this. Also no one can access any other account apart from the one whose details you are giving out so do not worry about this guy(or anyone else for that matter) to be able to access your other accounts.  Hope this helps. (I have experience in payment gateways so I do understand these procedures.) Cheers!!

For Facebook and such companies, their ability to earn billions only happens through an IPO because that business model doesn't generate revenue. Without some drastic change that no one has mentioned, Facebook cannot make a profit, much less multi-billion dollar yearly profits.   So you launch an IPO to rip off the suckers

Investing for your future through stocks isn’t for the faint of heart. While there are stocks that can withstand our volatile market, there are few that can guarantee their business will still be a business 20 or 30 years from now. [Compound Stock Earnings](http://www.compoundstockearnings.com) Report Benigans would always be with us, but they no longer exist.

"If all the property is going up and down at the same rate, it's probably a bit of a wash. However, there are markets (e.g. the Front Range of Colorado, where I live), where property at different price levels and locations has performed very differently. For a place to live, I think it's most useful to look at housing as a consumption decision, like buying a car, rather than an investment decision, like buying art (since it is similarly illiquid). Consider what you need and want (features, location), how important the ""own vs rent"" tradeoffs are to you (including the risk of losing your equity), and what you can comfortably afford. Then don't worry so much about price trends. This, it seems to me, is the lesson of the recent housing bust."


Question: Tax withheld by USA working in UK (Form 1042-S and Form 1099)

"The shares are ""imputed income"" / payment in kind. You worked in the UK, but are you a ""US Person""? If not, you should go back to payroll with this query as this income is taxable in the UK. It is important you find out on what basis they were issued. The company will have answers. Where they aquired at a discount to fair market value ? Where they purchased with a salary deduction as part of a scheme ? Where they acquired by conversion of employee stock options ?    If you sell the shares, or are paid dividends, then there will be tax withheld."

He was referring to tech companies. I am referring to old-school companies that haven't missed a dividend payment for 30 years. Anyway Facebook is probably a good bet – they have an even trying to monetize it other than to cover costs. Let someone else bet on that. it turns out that a lot of people open accounts and are active for about the first 30 days and that's it. But the accounts remain on the books. Linkedin – talk about worst in breed. Anyway, I still don't know what Facebook has that MySpace didn't.

I should have said 'insane inflation related to rising costs versus wages'.  It used to be that wage inflation outpaced product inflation. It's been in reverse for some time, which only exacerbates the problem as it continues.  I'm aware in the manner our economy works some matching or reversal should be expected, but we've been in a downward spiral for the better part of 30 years.

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I'm a two time Dungeons and Dragons World Champion - or whatever.  There are as many ways to answer your question as there are ways to be competitive. But that's not the point. I think you're doing yourself a disservice by employing a pop-psychology approach that has very little value in evaluating potential candidates. You'll succeed in picking out who shares your interest in sports, but little else. Even the famous [Meyers-Briggs Test](Meyershttp://en.wikipedia.org/wiki/Myers-Briggs_Type_Indicator#Reliability) has been generally dismissed as unreliable.  Seeking information in a roundabout way is like shooting an arrow into the air and hoping to hit the bullseye. Just aim directly for the target and you'll get better results. If you want to know if someone is competitive, ask them if they're competitive. - explain why a competitive nature is important. Complete transparency and honesty is always the best approach.   Any trained psychologist will tell you (and I know several) that your method is not only ineffective, but recklessly assumptive.

The fundamental problem with capitalism is that people assume that what makes money is worth doing, and that making money justifies it.  Money, wealth, jobs:  these are means, not ends.  Capitalist theory washes its hands of motivational concerns, correctly, but the guide to proper motivation, philosophy, must be developed concurrently.  It has not.  We have a modern economy wielded by barbarians and illiterate peasants, a gun handed to a chimpanzee, and we've shot our foot off for lack of learning proper self control.

> budget would reduce the deficit by $160 billion, while increasing the GDP  Sounds great until you learn that $160 billion is only 11% of [the $1400 billion the government borrowed in 2016](http://www.usgovernmentdebt.us/us_deficit) and the US GDP is only going up because the deficit isn't shrinking as quickly as it would under current spending levels.

"Visa Electron should be usable in any ATM (and shop) that accepts Visa, especially if the ATM also contains the ""Plus"" logo. However, if it's (for example) the card issued by La Banque Postale (in French) there are quite low withdrawal and spending limits.  These limits are over a period of the most recent seven days, so it can take a while before you can withdraw more.  So maybe not suitable to transfer a significant amount to your CZK account. As an alternative to finding an ATM that might have a fee, you can maybe use it to buy something small, then get cashback from stores that offer that. As it's a debit card, it needs to check the balance in real-time, so there are reports of it being often declined if it can't get a fast response from the home bank. In other words, make sure you have an alternative."


Question: Should the bank cover money lost due to an unsuccessful transfer?

Since the transaction was not your bank's mistake (but a decision by the Indian government) why should your bank bear the cost of the unsuccessful transaction? Your bank charged a fee for a service that you were willing to pay for. You might be able to negotiate a full or partial refund, and I have done the same with my own bank for fees that I didn't feel were appropriate.  Your bank will agree or not based on how much they value your business. If you are an otherwise profitable customer, they may agree to refund the fee.

> The purpose of buying these bonds was not to step in due to the absence of a market. Rather, the purpose was to deliberately bid up the price of these bonds (ahead of the market), causing their price to rise and yields (interest rates) to drop.  There are some important things you need to understand about bubbles and how they form.  When interest rates are artificially low and down payments aren't required for many loans, do you agree this is a recipe for a bubble?

You do know that since the shale gas boom started the cost of energy declined significantly, don't you? Your theory is a bit simplistic and had more than a few holes.   GDP growth is not that contingent on energy prices. How do you factor in increasing fuel efficiency in your theory?

I was business and then did a 5th year undergrad to be eligible to sit for the CPA exams. There is no way I, or anyone, could start working on an audit on day one. Even if I had done internships, they wouldn't mean anything with a change in career path.

If you want to combine old/new thoughts then maybe look af psychological or general theory of reflexivity.  One of the underlying assumptions in big data and AI is that if you have enough data, you will have the truth. but then look at elections in the US and UK or the fact that no one can predict exchanges rates because the market reacts in a dobbel loop.  how about some good old self-driving German cars as a subject? Lots of political, ethical, R&D, management and tech considerations are in that area, finde ich. Viel Spass damit :)

Fuel prices are regulated in most countires. The way its regulated differs. Essentially the idea is once the retail prices are up, they are normally kept that level so that a buffer profit is built, now if the fuel prices increase beyond the retail price can still be kept same using the buffer built up.

If you're willing to entertain the fact that a lack of any action by the fed would have killed market confidence and caused equities to tank, gold could have been a suitable asset in a flight to quality.  Of course as others have said the drop would just be the uncertainty about QE3 being removed from the price

We've tried to establish Atlantic Salmon in Pacific waters as late as 1981 (wild stock, not farmed). There were 3 escapes in the late 90's (totalling over half a million fish) with no 'wild' adults found (some juveniles were found in the rivers, but none are known to have returned).  Scientists have tried to hybridize Atlantic and Pacific Salmon. While successful, the offspring were sterile and the process was difficult and unlikely to occur in nature.  So, while they might, their kids won't (or haven't in previous episodes).


Question: Ticker symbols differences between Yahoo Finance and BestInvest

"BestInvest is a UK site looking at that URL, base on the ""co.uk"" ending. Yahoo! Finance that you use is a US-based site unless you add something else to the URL. UK & Ireland Yahoo! Finance is different from where you were as there is something to be said for where are you looking. If I was looking for a quarter dollar there are Canadian and American coins that meet this so there is something to be said for a higher level of categorization being done. ""EUN.L"" would likely denote the ""London"" exchange as tickers are exchange-specific you do realize, right?"

> It's often the minimum wage employees that I see abused the worst, they are easily replaceable by their employer and punishment for violating workers rights is a slap on the wrist.    Yeah, this is a good point.  I think the experience skews significantly as you go down the skill-level / prestige of the job.  An interesting observation (maybe) would be that this mostly applies to people who are *only just* above minimum wage, such as Walmart employees.  They get paid enough that it would be hard to find another retail job at the same pay level.  But certainly not enough to be considered well-off.  True minimum wage earners who I've known typically don't give even the smallest shit about their employer.  They switch employers in the blink of an eye, and at the slightest provocation.  Minimum wage jobs are as much a commodity for the employees, as minimum-wage employees are to the company.   > A lot of this was to get over a peak of work... However now I have been granted some flexibility   Well said.  My situation is very similar.  The company communicates their needs to me, and so I'm well aware of when peaks are likely to occur, and of the consequences of missing deadlines, etc.  It rarely comes as a surprise.

Mining/discovery of gold can be inflationary -- the Spanish looting of Central America for a few hundred years or the gold rush in the 19th century US are examples of that phenomenon. The difference between printing currency and mining is that you have to ability to print money on demand, while mining is limited to whatever is available to extract at a given time. The rising price of gold may be contributing to increased production, as low-grade ore that wasn't economically viable to work with in the 1980's are now affordable.

There are no contracts. They give subscribers money on MasterCard gift cards which the theaters have to accept if they accept MasterCard.   The theaters really don't have much of a choice, but they're getting paid full price for tickets, so they shouldn't complain.

"Do you still enjoy living in your home? Can you afford the mortgage payments? Is there a reason for you to move, such as a relocation for work, or your third kid is on the way and your current house is already crowded with two? Those questions are more important than ""Is my home worth more than what I owe on it"". Ultimately, it's your home. You probably chose it for more than just its price, and those qualities should still make it valuable to you in some way beyond the monetary value which goes up and down with the market. You have a few options:"

"In the US, dividends are presently taxed at the same rates as capital gains, however selling stock could lead to less tax owed for the same amount of cash raised, because you are getting a return of basis or can elect to engage in a ""loss harvesting"" strategy.  So to reply to the title question specifically, there are more tax ""benefits"" to selling stock to raise income versus receiving dividends.  You have precise control of the realization of gains.    However, the reason dividends (or dividend funds) are used for retirement income is for matching cash flow to expenses and preventing a liquidity crunch.  One feature of retirement is that you're not working to earn a salary, yet you still have daily living expenses.   Dividends are stable and more predictable than capital gains, and generate cash generally quarterly.  While companies can reduce or suspend their dividend, you can generally budget for your portfolio to put a reliable amount of cash in your pocket on schedule.  If you rely on selling shares quarterly for retirement living expenses, what would you have done (or how much of the total position would you have needed to sell) in order to eat during a decline in the market such as in 2007-2008?"

The best way to end the gaming of patents is to simplify the system. Just go back to the old rule of patents being good for one year after issuance. There are other issues like what should or shouldn't be patented, but just having the rule of patents being good for one year makes other issues relative minor ones when it comes to the monopolistic effect of patents. The more complex we make the system just increases the permutations for abuse.

This is why charities and churches exist.   Businesses exist first and foremost to accomplish the goals of the owners. For most publicly traded companies, it is pretty safe to assume that the number 1 goal of the owners is to make money. Paying your employees more than they are worth is not a good way to make money.


Question: Can a custodian refuse prior-year IRA/HSA deposit postmarked April 15?

"The ""must be postmarked"" language might be just from the old bank itself, not from the IRS.  The language I see in Publication 969 only says ""You can make contributions to your HSA for 2014 until April 15, 2015."" In this case, it is understandable that the credit union you have the new account with does not want to accept the contribution for tax year 2014.  You didn't have an account with them in 2014.  You didn't even send out the paperwork to them to open the account until last week, and they didn't open your account until this week, after the deadline. It is unfortunate, but I don't think you'll be able to force them to do anything differently here.  It is just too late. I do know how that feels.  I had a somewhat similar circumstance with my HSA, the first year I had the account.  I contributed money to the HSA using my credit union's website, transferring money from my checking account into my HSA, as I was told to do.  In January and February of the following year, I made more contributions this way, thinking that I was making them for the previous tax year.  However, they never got coded correctly by the credit union, and I later found out that the credit union counted those as contributions for the current year.  As a result, I was essentially denied the full contribution limit for that year, and had a bit of a paperwork nightmare.  Now, if I have to make a prior year contribution, I only make it in person, and they have a form they have me fill out each time I do."

My personal favorites are Options, Futures, and Other Derivatives by John C Hull Thinking Fast and Slow - Daniel Kahneman Expected Returns - Antti Ilmanen [check out the video : How to Think About Expected Returns] It is a 600 page book … A summary of it: Without a rational expectation of expected returns, investing can lead to severe disappointment and disillusionment.  Making a good model to forecast expected returns is so difficult. Near-term expectation is almost impossible. The key is very very much about focusing on the long-term, and on getting returns that are feasible, not outlandish. There are three pillars that are central: Practically, the work of an investment manager today involves finding many different sources of returns, and diversifying effectively between them, and finally being humble about what returns we can expect today.

You will see self driving full size semi trucks before you own a personal self driving car.  The efficiencies will be much greater for a big rig, vs small car or van.   Right now, HOS limits time a driver can spend behind the wheel. Without team drivers, the truck sits idle for 60-70+% of the time.  Large truck companies will see the benefit of owning less assets, paying less for whatever fuel they will be using, and increasing the general efficiency of their operations.

don't know why you're being down voted, what you say is true in many markets. Universities are graduating a heck lot of undergrads and unless you have something more than that (say experience in the field) it's getting harder to compete.

">When you look at principles, whether you're a 'true' socialist, a watered-down SocialistLite or somwhere in between, the ideas are still anti-human.  I suggest you learn about a subject from the prolific authors of that subject, not people who claim to know it and bash it. Your argumentation is offensive, but I'll give you a reply anyway.  I know perfectly well what laissez-faire is, because I am in a way you are not also inclined to read texts of people who I do not agree with. I deliberately do not agree with laissez-faire, even though I believe in personal freedom as I am some variant of anarcho-socialist, but I don't believe in preserving the existing class relations and I don't believe laissez-faire to be fair for this exact reason; introducing it in the world today would only cement existing class differences, class differences brought on by the exploitation of the working class, which is the only way you can get really rich.  I suggest you actually read up on libertarian socialism and stop throwing around words like ""anti-human"", because you're quite honestly offending me, because obviously you're calling me ""anti-human"" as well, so even though I know you think you're playing some kind of enlightenment game by lecturing me on laissez-faire, a system that anyone who passed high school here in Sweden knows about, please stop and have some respect. I don't need to be lectured on the alternatives, I know them and I've chosen my beliefs."

"Ya, I mean if your really wanting to gain ppl's respect it might be a good idea. What you WANT to be is a leader, not just a manager. Ever wonder why most ppl hate their bosses?? It's bc they aren't leaders. Just from experience, since your young and wanting to gain the respect of the employees...you will gain it 100% more from your work ethic than any kind of job title. And if you do have eventually tell someone what to do, don't do it as a ""boss"" but a leader. Show them what you expect, show them you believe they can meet that expectation, then help them achieve it. Instead of yelling or fear mongoring."

"A budget is a predetermined plan for spending allocated funds to a fixed set of categories according to a schedule. If by,  ""Keeping track of your money"" you mean you are only recording your spending to see on what it is being spent and when, then the answer is no.  A budget has constraints on three things: Schedule:  The mortgage has to be paid at the 1st of the month with a 2 day grace period. Amount: The mortgage payment is 1500.00 Category: The mortgage. Tracking your money would be as follows: 10/5/2016: $25 for a video game. 10/5/2016: $129.99 for two automobile tires. 10/6/2016: $35.25 for luncheon. I didn't like him! Why did I blow this money? 10/7/2016: nothing spent...yoohoo! 10/8/2016: Payday, heck yeah! I'm financially solvent YET AGAIN! How do I do it?! See the difference?"

"Buy term and invest the difference is certainly the standard recommendation, and for good reason. When you start looking at some sample numbers the ""buy term and invest the difference"" strategy starts to look very good. Here are the rates I found (27 yr old in Texas with good health, non-smoker, etc): $200k term life: $21/month $200k whole life: $177/month If you were to invest the difference in a retirement account for 40 years, assuming a 7% rate of return (many retirement planning estimates use 10%) you would have $411,859 at the end of that period. (If you use 10% that figure jumps to over $994k.) Needless to say, $400k in a retirement account is better than a $200k death benefit. Especially since you can't get the death benefit AND the cash value. Certainly one big difficulty is making sure you invest that difference. The best way to handle that is to set up a direct deposit that goes straight from your paycheck to the retirement account before it even touches your bank account. The next best thing would be an automatic transfer from your bank account. You may wonder 'What if I can no longer afford to invest that money?' First off, take a second and third look at your finances before you start eating into that. But if financial crisis comes and you truly can't afford to fund your own life insurance / retirement account then perhaps it will be a good thing you're not locked into a life insurance policy that forces you to pay those premiums. That extra freedom is another benefit of the ""buy term and invest the difference"" strategy. It is great that you are asking this question now while you are young. Because it is much easier to put this strategy into play now while you are young.  As far as using a cash value policy to help diversify your portfolio: I am no expert in how to allocate long term investments after maxing out my IRA and 401k. (My IRA maxes out at $5k/year, another $5k for my wife's, another $16.5k for my 401k.) Before I maxed that out I would have my house paid for and kid's education saved for. And by then it would make sense to pay a financial adviser to help you manage all those investments. They would be the one to ask about using a cash value policy similar to @lux lux's description.  I believe you should NEVER PUT YOUR MONEY INTO SOMETHING YOU DON'T UNDERSTAND. Cash value policies are complex and I don't fully understand them. I should add that of course my calculations are subject to the standard disclaimer that those investment returns aren't guaranteed. As with any financial decision you must be willing to accept some level of risk and the question is not whether to accept risk, but how much is acceptable. That's why I used 7% in my calculation instead of just 10%. I wanted to demonstrate that you could still beat out whole life if you wanted to reduce your risk and/or if the stock market performs poorly."


Question: Is it correct to call an exchange-traded note a type of ETF?

They're exchange traded debt, basically, not funds. E.g. from the NYSE: An exchange-traded note (ETN) is a senior unsecured debt obligation designed to track the total return of an underlying market index or other benchmark, minus investor fees. Whereas an ETF, in some way or another, is an equity product - which doesn't mean that they can only expose you to equity, but that they themselves are a company that you buy shares in.  FCOR for example is a bond ETF, basically a company whose sole purpose is to own a basket of bonds.  Contrast that to DTYS, a bear Treasury ETN, which is described as  The ETNs are unsecured debt obligations of the issuer, Barclays Bank PLC, and are not, either directly or indirectly, an obligation of or guaranteed by any third party. Also from Barclays site: Because the iPath ETNs are debt securities, they do not have any voting rights. FCOR on the other hand is some sort of company owned/managed by a Fidelity trust, though my EDGAR skills are rusty. AGREEMENT made this 18th day of   September, 2014, by and between Fidelity Merrimack Street Trust, a Massachusetts business trust which may issue one or more series of shares of beneficial interest (hereinafter called the Trust), on behalf of Fidelity Corporate   Bond ETF (hereinafter called the Fund), and Fidelity Investments Money Management, Inc., a New Hampshire corporation (hereinafter called the Adviser) as set forth in its entirety below.

It comes across as if you don't know much about what he or the firm does. Does he work in wealth management?      Someone looking for an assistant likely values organization and interpersonal skills over financial acumen.

"Here's my thought - call the insurance company back. Ask them to just tell you what the ""reasonable and customary"" approved payment would be. Offer that exact amount to the hospital, it's what they would have gotten anyway, and you learned a cheap lesson."

"Specifically, if you are looking for a ""reasonable"" rate for a savings (especially in TFSA) account then Ally has a 2% guaranteed account and ING has a 3% one (but it is subject to change). Update (Dec 9, 2013) - unsurprisingly, the ING special has disappeared .. I blame ScotiaBank. The current best rates are 1.35 and 1.40%. For Ally, we can blame RBC - current rates are 1.1"

"I like a devil's advocate :)  > Amazon made a brick-and-mortar acquisition which will now have a direct effect on consumers by trying to hamper which sites their customers try to access while on wifi and can also be seen as anticompetitive.  This statement assumes that Amazon intends to use the patented technology, despite no evidence of such intent (at the time of filing, at the time the patent was granted - which Amazon has no control over, or at the time of the WF purchase announcement).  Your reasoning has merit: the patent only became relevant when amazon acquired an opportunity to use it.   However, it relies on assumptions that aren't necessarily correct or complete. Hence, it isn't an objectively correct conclusion by any means.   By including only the fact that the patent was recently granted (timing lined up with WF acquisition), the author promoted the idea that the patent is part of Amazon's plan with WF going forward.   Amazon may *now* have plans for using it in connection with WF - or it may absolutely not. There is presently, working from the article itself, no evidence to suggest any such plans exist outside the author's mind. (I have zero doubt that they have *considered* using it, btw, I refer to actual plans to implement.)  I may be old fashioned or uncool, but the correct way to ""frame the situation"" is **always** completely and accurately, including all relevant information.    This allows readers to review the information and draw their own conclusions - even if the journalist *also* shares his own conclusion."

"This is the best tl;dr I could make, [original](http://timharford.com/2017/08/what-we-get-wrong-about-technology/) reduced by 97%. (I'm a bot) ***** > So sophisticated is Rachael that she is impossible to distinguish from a human without specialised equipment; she even believes herself to be human.  > &quot;If 11th-century Europe had little use for paper,&quot; writes Mark Kurlansky in his book Paper, &quot;13th-century Europe was hungry for it.&quot; When paper was embraced in Europe, it became arguably the continent&#039;s earliest heavy industry.  > If human skills are now so valuable, that low-end growth seems like a puzzle - but the truth is that many distinctively human skills are not at the high end.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6wyvcy/what_we_get_wrong_about_technology/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~201126 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*: **human**^#1 **paper**^#2 **technology**^#3 **invention**^#4 **more**^#5"

"So a guy that went to a shitty college moved to an $800 plus per month apartment in Manhattan to be an actor and applied for low skill jobs near minimum wage. That's the shittiest plan I've ever heard.  “When I first walked into Express, I said, ‘Oh my God, this place is awesome and there’s music and it looks like a happening place"".  Anyone want to claim that he's not an idiot?"

Stocks in the Weimar hyperinflation are discussed in When Money Dies. I don't own a copy of the book but here is a link to a blog post about it. Speculation on the stock exchange has spread to all ranks of the   population and shares rise like air balloons to limitless heights Basically, the stock market did very well (i.e. the US dollar value of stocks increased quite a lot. Of course, the price of everything increased if measured in marks.) Quote from the article: Bottom line: In marks, stocks had an amazing run. Even in USD they had   a nice runup. It makes sense that the stock market would skyrocket because (a) if  money has no value, then people will want to replace money with tangible things like goods, and since a stock represents a share in the factories and things which a company owns, it makes sense that you would want them and (b) if money has no value anyway, why not gamble with it? I would be interested to hear what happened in other hyperinflations.


Question: I'm getting gouged on prices for medical services when using my HSA plan. How to be billed fairly?

The big difference for me under the High deductible plan has been that instead of paying the co-pay, now I am now responsible for the negotiated rate until I reach the deductible limit. The HSA is only a way to funnel medical payments through a tax free account the insurance company and the doctor don't care about the HSA. If we go out-of-network, then I am responsible for the full rate, but they only count the negotiated rate as a credit against the out of pocket/deductible. This big difference makes it very important to pick a doctor in-network. For your example: I would have paid $50 under the PPO, but $200 under the high deducible plan. If I go out-of-network I would have to pay whatever the doctor want me to pay, but the insurance company would only credit me $200 against my deductible. I can pull the extra $350 from the HSA. It is hard to get good pricing information from some doctors, but the price difference for me has been so large that in-network is the only way to go. For prescriptions the high deductible plan has been worse, because we pay the full price with no discounts for the medicine, until we reach the plan deductible. That makes the cost of the prescriptions as much as 10x's more expensive. In fact the annual cost of our prescriptions all but guarantees that we hit the deductible each year.

"First add the inflation, then minus your expenses for the year. If you are better than that, you have done ""good"".  For example: -  1.)You have $10,000 in 2014. 2.) You need $1,000 for your expenses in 2014, so you are left with $9000. 3.) Assuming the inflation rate is at 3 percent, the $10,000 that you initially had is worth $10,300 in 2015. 4.) Now, if you can get anything over 10,300 with the $9,000 that you have you are in a better position than you were last year i.e(10300-9000)/9000 - i.e 14.44%. So anything over 14.44 percent is good. Depending on where you live, living costs and inflation may vary, so please do the calculation accordingly since this is just an example. Cheers"

Just an observation analysis of what has been going on and what the media buzzwords are. Also all of the people who I know that are doing well or are not complaining take care of there health/body, didn't divorce, work hard, educated and are not stressed because they live within there means. Plus I truly believe that our capitalistic society is designed to keep you in debt or keep you needing government/charity help if your poor/uneducated.

Most of the people I know who started doing that shit did it because they knew they were just cheap labor and didn't need their wits about them. It comes from a lack of respect of the job and the fact that they don't want to be there. Habits like that happen because they get started and change jobs and keep bad habits, which means that on some level you can assume someone coming from a long time of blue collar work may have habits that affect their productivity in a white collar job, which is opposite from the point you're trying to make.

I disagree, a national ID card would provide more security than a social security number. SS cards are easy to guess; if you change a few numbers on your own SSN, you probably have a number of someone who was born in the same hospital as you. That's a tad scarier than a national ID.

> Turns out inside updates via the SIP are received faster than the prop market data feed, and faster than updates received over an order entry connection. Under these circumstances the street knows a trade occurred before the participants in the trade.  You're saying if IEX is the inside quote you see it disappear on a sip feed before you see it disappear from iex's MD feed? AND if it's your quote, even before you receive the trade report?

"Source?? Let me see all your evidence. What apps are you downloading and giving info too without permission? They have to request data and you have to click on ""allow""-- its baked into the API. Please show me your sources that show Apple knowingly allows apps to have and distribute my personal information without asking for permission.   These apps have access to all the encrypted data on my phone without my knowledge?? Please show me sources."

This is mostly an addendum to @fredsbend answer, which appears to list reasonable causes, but ignores the technical cost aspect. The other answer lists the technical cause, but doesn't explain it in detail. Look at the two graphs (from Wikipedia). This is how difficult -- in terms of computing power, meaning hardware costs and electricity costs -- it has been to mine bitcoins over years:  This is how many total bitcoins have been made since the start of btc era:  As you can see, despite rising difficulty and costs, the bitcoin mining is slowing down. It should be noted that this is by design. If you could use a home computer at start of bitcoin and mine 1 bitcoin a day on it, nowadays, you need to use specialized hardware costing thousands of dollars and pay huge sums in electricity costs in order to mine the same 1 bitcoin in a day. And this happened on the large scale quite recently.  Add the fact that there is no visible way to significantly increase bitcoin mining speed regardless of hardware used -- the network self-adapts.  The more hardware anyone throws at it, the harder it becomes for him and everyone else -- so extra hardware is used in order to drive out smaller players and keep the general ability to mine, rather than to increase the mining speed. Last year a friend and I were considering buying a couple specialized rigs, running on off-the-shelf powerful computers and using extra (gaming) graphics cards for number crunching. As we didn't get on the train fast enough, the graphic cards were bought up by bitcoin mining organizations en masse.


Question: How to get into real estate with a limited budget

You are neglecting a few very important things around real estate transactions in Belgium So in the end a 300K building may cost you more than 340K, let's take some unexpected costs into account and use 350K for remainder of calculation. Even worse if it's newly built (which I doubt) the first percentage is 21% (VAT) instead of 10%. All these costs can be checked on the useful site www.hoeveelkostmijnhuis.be Now, aside from that most banks will and actually have to demand you pay part of all this yourself. So you can't do 5*60K (or 5*70K now). Mostly banks will only finance up to about 90% of the value of the building, so 90% of 300K, which is 270K (5*54K), the other 80K (5*16K) you have to pay yourselves. But it could be the bank goes as low as 80%. Another part to complicate the loan is how much you can pay a month. Since the mortgage crisis they're very strict on this. There are lots of banks that will not allow you to make monthly payments of more than 33% of your monthly income when you are going to live there. This is a nuisance even when buying one house, you want to buy 2. Odds seem low they'll accept high monthly payments because you either need an additional loan or need to pay rent, so don't count on a 5y deal. Now this is all based on a single loan, it will probably be a bit different with multiple loans. However, it is unlikely any bank will accept this, even if all loans are with the same bank. You need to consider the basics of a real-estate loan: A bank trusts you can pay it off and if not they can seize the real-estate hoping to regain their initial investment. It's very hard to seize a complete asset if only one out of 5 loan-takers defected. You could  maybe do this with another less restrictive/higher risk type of loan but rates will be a lot higher (think 5-6% instead of 1.5%). And don't underestimate the running costs: for that price and 5 rooms in that city you're likely looking at an older building. Expect lots of cost for maintenance and keeping the building according to code. Also expect costs for repairs (you rent to students...). You'll also have to pay quite a bit of money on insurances and of course on real estate taxes (which are average in Ghent). Also factor in that currently there is not a housing shortage for Ghent students so you might not always have a guaranteed occupation. Also take into account responsibility: if a fire breaks out or the house collapses or a gas leak occurs, you might be sued. It doesn't matter if you're at fault, it's costly and a big nuisance. Simply because you didn't think of any of this: don't do this. It's better to invest in real estate funds. But if you still think you can do better then all the landlords Ghent is riddled with, don't do it as a personal investment. Create a BVBA, put some investment in here (like 10-20K each), approach a bank with a serious business plan to get the rest of the money as a loan (towards a single entity - your BVBA) and get things going. When the money comes in you can either give yourselves a salary or pay out profits on the shares. You may be confused about how rich you can become because we as a nation tend to overestimate the profitability of real estate. It's really not that much better than other investments (otherwise everybody would only invest in real estate funds). There are a few things that skew our vision however:

"I'm another programmer, I guess we all just like complicated things, or got here via stackoverflow. Obligatory tedious but accurate point: Investing is not personal finance, in fact it's maybe one of the less important parts of it. See this answer: Where to start with personal finance?  Obligatory warning for software developer type minds: getting into investing because it's complicated and therefore fun is a really awful idea from a financial perspective.  Or see behavioral finance research on how analytical/professional/creative type people are often terrible at investing, while even-tempered practical people are better. The thing with investing is that inaction is better than action, tried and true is better than creative, and simple is better than complicated. So if you're like me and many programmers and like creative, complicated action - not good for the wallet. You've been warned. That said. :-) Stuff I read In general I hate reading too much financial information because I think it makes me take ill-advised actions. The actions I most need to take have to do with my career and my spending patterns. So I try to focus on reading about software development, for example. Or I answer questions on this site, which at least might help someone out, and I enjoy writing. For basic financial news and research, I prefer Morningstar.com, especially if you get the premium version. The writing has more depth, it's often from qualified financial analysts, and with the paid version you get data and analysis on thousands of funds and stocks, instead of a small number as with Motley Fool newsletters. I don't follow Morningstar regularly anymore, instead I use it for research when I need to pick funds in a 401k or whatever. Another caveat on Morningstar is that the ""star ratings"" on funds are dumb. Look at the Analyst Picks and the analyst writeups instead. I just flipped through my RSS reader and I have 20-30 finance-related blogs in there collecting unread posts. It looks like the only one I regularly read is http://alephblog.com/ which is sort of random. But I find David Merkel very thoughtful and interesting. He's also a conservative without being a partisan hack, and posts frequently. I read the weekly market comment at http://hussmanfunds.com/ as well. Most weeks it says the market is overvalued, so that's predictable, but the interesting part is the rationale and the other ideas he talks about. I read a lot of software-related blogs and there's some bleed into finance, especially from the VC world; blogs like http://www.avc.com/ or http://bhorowitz.com/ or whatever. Anyway I spend most of my reading time on career-related stuff and I think this is also the correct decision from a financial perspective. If you were a doctor, you'd be better off reading about doctoring, too. I read finance-related books fairly often, I guess there are other threads listing ideas on that front. I prefer books about principles rather than a barrage of daily financial news and questionable ideas. Other than that, I keep up with headlines, just reading the paper every day including business-related topics is good enough. If there's some big event in the financial markets, it'll show up in the regular paper. Take a class I initially learned about finance by reading a pile of books and alongside that taking the CFP course and the first CFA course. Both are probably equivalent to about a college semester worth of work, but you can plow through them in a couple months each if you focus. You can just do the class (and take the exam if you like), without having to go on and actually get the work experience and the certifications. I didn't go on to do that. This sounds like a crazy thing to do, and it kind of is, but I think it's also sort of crazy to expect to be competent on a topic without taking some courses or otherwise getting pretty deep into the material. If you're a normal person and don't have time to take finance courses, you're likely better off either keeping it super-simple, or else outsourcing if you can find the right advisor: What exactly can a financial advisor do for me, and is it worth the money?  When it's inevitably complex (e.g. as you approach retirement) then an advisor is best. My mom is retiring soon and I found her a professional, for example. I like having a lot of knowledge myself, because it's just the only way I could feel comfortable. So for sure I understand other people wanting to have it too. But what I'd share from the other side is that once you have it, the conclusion is that you don't have enough knowledge (or time) to do anything fancy anyway, and that the simple answers are fine. Check out http://www.amazon.com/Smart-Simple-Financial-Strategies-People/dp/0743269942 Investing for fun isn't investing for profit Many people recommend Motley Fool (I see two on this question already!). The site isn't evil, but the problem (in my opinion) is that it promotes an attitude toward and a style of investing that isn't objectively justifiable for practical reasons. Essentially I don't think optimizing for making money and optimizing for having fun coexist very well. If investing is your chosen hobby rather than fishing or knitting, then Motley Fool can be fun with their tone and discussion forums, but other people in forums are just going to make you go wrong money-wise; see behavioral finance research again. Talking to others isn't compatible with ice in your decision-making veins. Also, Motley Fool tends to pervasively make it sound like active investing is easier than it is. There's a reason the Chartered Financial Analyst curriculum is a few reams of paper plus 4 years of work experience, rather than reading blogs. Practical investing (""just buy the target date fund"") can be super easy, but once you go beyond that, it's not. I don't really agree with the ""anyone can do it and it's not work!"" premise, any more than I think that about lawyering or doctoring or computer programming. After 15 years I'm a programming expert; after some courses and a lot of reading, I'm not someone who could professionally run an actively-managed portfolio. I think most of us need to have the fun part separate from the serious cash part. Maybe literally distinct accounts that you keep at separate brokerages. Or just do something else for fun, besides investing. Morningstar has this problem too, and finance.yahoo.com, and Bloomberg, I mean, they are all interested in making you think about investing a lot more than you ought to. They all have an incentive to convince you that the latest headlines make a difference, when they don't. Bottom line, I don't think personal finance changes very quickly; the details of specific mutual funds change, and there's always some new twist in the tax code, but the big picture is pretty stable. I think going in-depth (say, read the Chartered Financial Analyst curriculum materials) would teach you a lot more than reading blogs frequently. The most important things to work on are income (career) and spending (to maximize income minus spending). That's where time investment will pay off. I know it's annoying to argue the premise of the question rather than answering, but I did try to mention a couple things to read somewhere in there ;-)"

I'm going to echo Phil and say that you should add more information. That being said, I think it is possible for you to owe the government that much. If you received a federal health insurance subsidy and live in a state that didn't expand medicaid, you could have received a subsidy through out the year that you did not end up qualifying for. It appears you are outside the medicaid limit of 133% of the poverty level($11,670) or $15,521. If you received a subsidy of $275 a month from the marketplace, you would have received $3300 worth of aid from the government that you don't qualify for. Now they are expecting you to pay it back.

The typical scam is that they overpay you - 'accidentially', or for some obscure reason they claim, and they ask you to wire the extra money either back or to someone else. Because you wire it, that money is gone for sure. Then they undo the original transaction (or it turns out it was fake anyway), and you end up with a loss. Maybe he claims that he wants to buy some more stuff, and the fees are high, so he sends you all the payments in one amount, and you pay the other sellers from it, something like that. There are honest nigerians though, actually most of them. Either way, the real problem is that the original payment is fake. Whichever way it comes to you, you need to make sure that it cannot be reversed or declared invalid after you think you have it. Wire transfer is the only way I know that is not reversible. Bank transfers are reversible; don't think you have it just because it arrives in your bank account. Talk to your bank about what all can happen. If you make the deal, when you send the bike, think about insuring it (and make him pay for that too). That way, you are out of any loss risk.

You can buy DIY will kits from office supply shopes like Staples or specialized publishers like Nolo or Quicken. The most important factor for you to consider will be the witness rules in your state to ensure the validity of your will later. Nolo has a lot of good information in this regard. Hopefully this is helpful :)

"Yes, there are a lot of places you can research stocks online, Google Finance, Yahoo Finance, Reuters etc. It's important to understand that the price of the stock doesn't actually mean anything.  Share price is just a function of the market capitalization divided by the number of shares outstanding.  As an example take two companies that are both worth $1 million, but Company A has issued 10,000 shares and Company B has issued 100,000 shares.  Company A has a share price of $100 while Company B has a share price of just $10.  Comparing share price does nothing to indicate the relative value or health of Company A versus Company B.   I know there are supposed to be no product recommendations but the dictionary area of investopedia.com is a good source of beginner investing information.  And as Joe points out below the questions here with the ""stock"" tag would also be a good place to start.  And while I'm on a roll, the book ""A Random Walk Down Wall Street"" is a good starting point in investing in the stock market."

Quite a lot of reasons but mostly supply and demand.   Some areas of Africa are extremely remote and just don't have things there that some of the population now want.   I would guess it won't be like this for much longer but right now it is and i have met plenty of people taking advantage of that fact.

every list I see is jam packed with women as candidates.  it's hard to believe that of all the potential proven (know how to make money) executives in America (or maybe worldwide) that 2 out of 3 BEST picks are women


Question: Analyze stock value

"A Bloomberg terminal connected to Excel provides the value correcting splits, dividends, etc. Problem is it cost around $25,000. Another one which is free and I think that takes care of corporate action is ""quandl.com"". See an example here."

"Just to argue the other side, 1.49% is pretty low for a loan. Let's say you have the $15k cash but decide to get the car loan at 1.49%. Then you take the rest of the money and invest it in something that pays a ~4% dividend (a utility stock, etc.). You're making money on the difference. Of course, there's no guarantee that the underlying stock won't drop in value, but it might go up, too. And you'll likely pay income tax on the dividends. Still, you have a good chance of making money by taking the loan. So I will argue that there are scenarios where taking advantage of a low interest rate loan can be ""good"" as an investment opportunity when the risk/reward is acceptable. Be careful, though. There's nothing wrong with paying cash for a car!"

>Most people spend their 20s figuring out their lives and their 30s and 40s building their family and retirement. The Millenials simply have less to lose and have suffered far less of an impact.  Totally disagree with the assumption you are making here, that millenials will all of a sudden start making a shitload of money in 10-20 years.  When a lot of them can't get jobs after graduation, it prevents them from ever climbing the ladder at all.  They can't get a professional job, so they take a menial job, and the longer they aren't in a professional job, the harder it becomes to GET a professional job.  Many will be stuck in menial jobs their entire lives, simply because noone would ever give them the experience needed.

"**Poverty in the United States**  Poverty is a state of deprivation, lacking the usual or socially acceptable amount of money or material possessions. The most common measure of poverty in the U.S. is the ""poverty threshold"" set by the U.S. government. This measure recognizes poverty as a lack of those goods and services commonly taken for granted by members of mainstream society. The official threshold is adjusted for inflation using the consumer price index.  ***  ^[ [^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 ^| ^v0.24"

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The answers provided so far as good and informative, but I just thought I'd add one small point... There are super-national organisations that commonly lend to governments, in particular those in the developing the world. The World Bank and IMF (International Monetary Fund) are the two primary ones. Also quite notably, the Greek economy was bailed out only this year by the EMF (European Monetary Fund) spearheaded by Germany - this is a rare occurrence however and was done mainly because Greece was a relatively developed country and others had an obligation to assist it as an EU member state.

But then why wouldn't that be their primary mode to control their currency now/are they starting/hinting at doing so to move away from US treasuries? There must be benefits to Treasury purchasing that seems better to them, maybe that QE can't do alone?  And I have to imagine with the tenuous nature of their financial system, the shock alone from losing access to the Dollar (and before they could use QE to devalue the currency back down) would be a major issue.

It's not the words on the can that are wrong. It's the colors. They're practically undermining the marketing trademark they've had forever on the signature red cans. I would have assumed they re-designed the diet cans before I'd think to consider them as regular Coke ones.


Question: Buying a small amount (e.g. $50) of stock via eToro “Social Trading Network” using a “CFD”?

Concerning the Broker: eToro is authorized and registered in Cyprus by the Cyprus Securities Exchange Commission (CySEC). Although they are regulated by Cyprus law, many malicious online brokers have opened shop there because they seem to get along with the law while they rip off customers. Maybe this has changed in the last two years, personally i did not follow the developments. eToro USA is regulated by the Commodity Futures Trading Commission (CFTC) and thus doing business in a good regulated environment. Of course the CFTC cannot see into the future, so some black sheep are getting fined and even their license revoked every now and then. It has no NFA Actions: http://www.nfa.futures.org/basicnet/Details.aspx?entityid=45NH%2b2Upfr0%3d Concerning the trade instrument: Please read the article that DumbCoder posted carefully and in full because it contains information you absolutely have to have if you are to do anything with Contract for difference (CFD). Basically, a CFD is an over the counter product (OTC) which means it is traded between two parties directly and not going through an exchange. Yes, there is additional risk compared to the stock itself, mainly: To trade a CFD, you sign a contract with your broker, which in almost all cases allows the broker A CFD is just a derivative financial instrument which allows speculating / investing in an asset without trading the actual asset itself. CFDs do not have to mirror the underlying asset's price and price movement and can basically have any price because the broker quotes you independently of the underlying. If you do not know how all this works and what the instrument / vehicle actually is and how it works; and do not know what to look for in a broker, please do not trade it. Do yourself a favor and get educated, inform yourself, because otherwise your money will be gone fast. Marketing campaigns such as this are targeted at people who do not have the knowledge required and thus lose a significant portion (most of the time all) of their deposits. Answer to the actual question: No, there is no better way. You can by the stock itself, or a derivative based on it. This means CFDs, options or futures. All of them require additional knowledge because they work differently than the stock. TL;DR: DumbCoder is absolutely right, do not do it if you do not know what it is about. EDIT: Revisiting this answer and reading the other answers, i realize this sounds like derivatives are bad in general. This is absolutely not the case, and i did not intend it to sound this way. I merely wanted to emphasize the point that without sufficient knowledge, trading such products is a great risk and in most cases, should be avoided.

If you haven't already, check out his earlier articles when he was at DealBreaker.com - GREAT stuff, my [favourite one](http://dealbreaker.com/2011/09/lets-just-go-ahead-and-assume-that-greek-letters-evil/) is when UBS had a delta one trader Kweku losing $2.1b from unauthorized/unreported trades in the midst of Dodd Frank/Volcker Rule was being discussed.   > A thing that you probably do is go borrow one million shares of UBS and sell them short. This is a sensible thing to do. Why is it sensible? Well, for one thing, your desk is called “delta one,” and you’ve written a derivative, and you want to delta hedge that derivative, and so you pull out a Black-Scholes calculator and plug in a lot of variables and get stuck but then you look at your business card and you’re like, oh, shit, the answer is “one,”

Hahahaha its not only the poor, the lower and lower-middle class represent millions of americans with an active role in the economy. Are you seriously gonna defend 50 Billonaires who have never struggled in life vs 50 million americans who struggle everyday? This kind of thinking is un-american no wonder you Trump supporters dont mind about Russia colluding with the current administration

For tax purposes, what matters is your province of residence at December 31st. Quebec Tax abatement therefore applies if you were living in Quebec, regardless of your employer, assuming you are an employee. As for effective tax, your question misses some data and does not quite make sense as effective tax is the result of dividing your total taxes paid after deductions and tax credits by your total income. As such, one cannot tell you your effective tax rate without knowing taxes paid after deductions and tax credits and total income.

The middle class attack continues...    Nevermind that all that tax money goes to salaries, then returns in taxes, and eventually trickles back up to the wealthy in product purchasing, interest, etc, etc.  That is too long term thinking for short term America. We have forgotten that people need to have money to spend it.  This just sucks more money out of the economy and [again slows the velocity of money](https://fred.stlouisfed.org/series/M2V) which is at some of the lowest levels since it was tracked. Money is being hoarded and that helps noone in a consumer economy, not even the wealthy.  The check engine light is on in the American consumer economy and noone cares about fixing it or taking it in for repairs.

Free Market as in Laissez-faire? Because that is economic anarchism and leads to either monopolies or market shutdown.   I believe in heavy restrictions myself, force companies to play ball, follow the rules, allow small businesses a chance to grow unopposed by big businesses, a few social programs here and there to incentivize employment and working - not giving out free money - except in the case of disability - which just ends up trapping people, myself included - and of course a reasonable minimum wage, so one person doesn't require more than one job, opening up those positions for other people.   This system makes it harder to get rich, sure, but it allows those at the bottom, especially hard-workers, to be able to survive, if not thrive. They pay more Sales Tax because they spend more, and they pay more Income Tax because they earn more, the currency strengthens as a result.

There are still ways that the default values on the W4 can lead you to get a refund or owe the IRS. If there was a big delta in your paychecks, it can lead to problems. If you make 260,000 and get 26 paychecks that means each check had a gross of 10,000. Your company will withhold the same amount from each check. But If you earned a big bonus then the smaller regular paychecks may not have been withholding enough.  When bonus checks are involved the payroll office has to treat them as irregular pay to be able to make it work out. Some companies don't do this, so you may under or over pay during the year. If you changed companies during the year, this can lead to under or over payment. The lower paying company would not know about the higher rate of pay at the other company. so at one you would under pay, and the other you would over pay. There are also social security issues with more than one employer.

No. A company cannot bill you for services you did not request nor receive. If they could, imagine how many people would just randomly get bills in their mail. Ignore them. They don't have a contract or agreement with you and can't do anything other than make noise. If they get aggressive or don't stop requesting money, hire an attorney and it will be taken care of.


Question: Strategies to guarantee arrival time for transfers between banks

Transfers are defined to arrive on a specific number of business days, nearly always one business day (if you submit it before the cutoff time). The exact number of days depends on the receiver bank, but when you try to create a transfer, it will tell you when it will arrive, before you send it out.

If a real estate property catches your eye, please don’t hesitate to request more information as these days, properties are snatched up quickly.  Just have questions? Give us a call or email us. We’re always happy to answer any questions you may have.  We look forward to the opportunity of helping you buy or sell your next Cabo home.

>A 2012 study by the Federal Trade Commission found that about 20 percent of consumers who were asked to review their reports discovered an error that was fixed after they disputed it, and more than 10 percent found an error significant enough to affect their credit score. Monitoring also alerts you if an application has been placed for a new account in your name.  >Equifax, Experian, and TransUnion have turned monitoring into a business, charging as much as $25 a month for “premium” services that include reports from all three companies.  In other words, pay us protection money because we're bad at our jobs and your reputation is suffering as a result of our sloppy work.

">It can be argued that retarding the economy was a major goal of the Fed in the first place. To prevent the unrestrained runs that 1913-1929 saw which resulted in thousands of investors losing everything.   The Fed was the underlying *cause* of the 1913-29 era.   The ""Panic of 1907"" was really just a ""rich man's panic"" -- few people in the general population were invested in the stock market at that time -- and few businesses were listed either (the vast majority were privately owned, operated on a cash {i.e. not ""leveraged debt""} basis, and were substantially unaffected).  The whole point of the Fed was to save the ""rich men's arses"" from their own screwups -- to ""socialize"" their losses.  Which is exactly (and only) what it is doing.  About the general welfare of the overall population... they couldn't give a rat's tail (other than some minimal concern over whether and how they will be able to milk & bilk the population again)."

As far as the spam mail goes, I own a rental (in Connecticut) and live in Massachusetts, I get very little mail related to this property. I view this as a non-compelling reason.  Your other reasons pick up quick in value. The protection from the rest of your assets is helpful, and the one con for most is the inability to get a loan with such a structure, but in your case, a cash purchase is mentioned.  I don't know what the fees are to start an LLC, but overall, I believe the pros outweigh the cons. Yes, your Pro 4 looks good, an ongoing business with a track record will help the next purchase.

Thanks for posting this.  Funny, but I find myself watching RT far more than CNN these days.  I am not a finance expert but as an econ major I can at least follow the argument.  Seems credible to me.  They are just saying that the resulting downgrade of bank bonds will affect them less than their competition. The second argument is that new (2008) accounting rules allow them to show a net gain on paper when their bonds get downgraded as a result of this loss.  It's a complicated argument but I can see how it make perfect sense.  I like how Bob English points out the fishy and probably strategic nature of the Thursday announcement.  Obviously there is a lot more to this story: http://www.zerohedge.com/contributed/2012-20-15/truth-about-jp-morgan%E2%80%99s-2-billion-loss

it is pretty much the same as a normal margin loan but cheaper because you don't own the underlying share.the if the margin is $1000 at 5% you could borrow $20000 in total so the actual amount would be $19000 in total that you would have to pay interest on so at the moment it is 5.1% which is $19000x5.1% /365 days =$2.66 a day and if the share price rises you don't pay extra in interest costs unless you have borrowed more.it still stays at 2.66 a day until you have sold the shares

They also have greatly reduced access to reproductive care and traditional health care at all. I'm for free condoms in every public school and college campus. But no the religious right won't stand for it. The real reason is the right loves poverty because it's profitable and keeps wages low and unemployment high.