Question: Why do I get a much better price for options with a limit order than the ask price?

Sounds to me like you're describing just how it should work.  Ask is at 30, Bid is at 20; you offer a new bid at 25.  Either: Depending on liquidity, one or the other may be more likely. This Investorplace article on the subject describes what you're seeing, and recommends the strategy you're describing precisely. Instead of a market order, take advantage of the fact that the options world truly is a marketplace — one where you can possibly get a better price just by asking. How does that work? If you use a limit order (instead of a market order) when opening a position, you can tell your broker how much you are willing to pay to enter a trade. For example, if you enter a limit price of $1.15, you can see whether the market-maker will bite. You will be surprised at how many times you will get your price (i.e., $1.15) instead of the ask price of $1.30. If your order at $1.15 is not filled after a few minutes, you can modify your order and pay the ask price by entering a market order or limit order at the ask price (that is, you can tell your broker to pay no more than $1.30).

Q Coast Homes is a family owned and operated business on the Gold Coast with over 35 years comprehensive experience and knowledge within the building industry nationally. We sell House and Land Packages in South East QLD. Deal direct with the owner/builder of the company. We are flexible with our designs and also do custom builds. We build quality homes for sale in South East Queensland to the residential and investment markets and pride ourselves on our attention to detail together with the ability to provide individual personalised service to our clients.

Holy shit that can't be USA unless you're talking about commercial lending, even then sky high rates.  For the 97% LTV we sell at 3.58 last Saturday.  We're a large bank too, so none of that credit unions selling themselves short nonsense.  Mind you that's a special program through Fanny, but our normal rates are something like 4.4-4.55 depending on the day for 80/20  How can you be conservative but loan to credit score of over 500?  We don't even look at under 640 and we're considered somewhat conservative.

Isn't it a bit more like job recruiters?  I get an offer letter that a recruiter neither I nor the seller hired steps in, negotiates a lower pay for me, a higher pay from them and scoops the money inbetween?  This isn't adding value anywhere, that value was taken from my home and the business that now have less to work with, when everyone would be better off if the business and I came to a deal in the middle.  There is no added value, nothing is produced at all. Just skimming off the top.

Thank you for the informed post. CAT was planning on opening a new plant before the earthquake. They needed more capacity, and were formerly exporting some excavators from Japan to the North American market. They were considering expanding that plant, and they also looked at sites in Canada, the US, and Mexico. I guess they decided to keep that plant open, but just focus it on other markets. [Here](http://online.wsj.com/article/SB10001424052970204880404577229252169260694.html) is an article, but it is short on details.  [Here](http://online.wsj.com/article/SB10001424052970203889904577200953014575964.html) is an example of CAT closing a plant in Canada after the labor union locked themselves out. They are moving jobs to the US for roughly half price. In this case the plant in Canada was paying an average wage of $35 ($73,000 annually without overtime) and they locked themselves out requesting more. Corporations try to maximize profit, so by definition they are greedy, but this is a perfect example of unions being overly greedy as well. That is well over a good middle class wage (assuming they are in a somewhat rural or sparse suburban area, where most manufacturing is located). They had capacity elsewhere, so they moved.   Ignoring the greed of the unions wont make things better for workers, it will only end in more situations like the one in Canada.

People did go to jail for crimes ranging from mortgage fraud to traders cheating customers when selling MBS products. Two, it wasn't a little bit of regulation, Dodd frank put massive capital handcuffs on wall st. The bill being voted on now is to decrease some of the harshest parts of DF, not to remove the whole thing. And three, the only thing that compares to 2008 is 1929 to 1941, the Great Depression. Something like that won't be seen again for 100 years. The best thing to do when the economy goes through a recession is to hold on to what you have, ride it out, and if you have the capital, buy when stocks are cheap.

It depends on how they go about it.  If they simply go out and acquire all their competition, then yes they'd be labeled a monopoly.  If, however, they create their own service and everyone just likes it more then there's not much the US Government can do.

They all basically mean the same thing - a type of debt than can be exchanged for (converted into) equity at some point. It's only the mechanics that can be different. A convertible bond is structured just like a regular bond - it (usually) pays periodic interest and has a face value that's due at maturity. The difference is that the bond holder has the option to exchange the debt for equity at some point during the life of the bond.  There can be restrictions on when that conversion is possible, and they typically define a quantity of equity (number of shares) that the bond can be converted into.  If the market price of the shares goes above a price that would make the shares more valuable than the bond, it's in the best interest of the bond holder to convert. A convertible note is typically used to describe a kind of startup financing that does not pay interest or have a face value that's redeemed, but instead is redeemed for equity as part of a later financing round.  Rather than specifying a specific number of shares, the bond holder receives equity at a certain discount to the rest of the market. So they both are debt instruments that can turn into equity investments, just through different mechanisms. A debenture is a fancy word for unsecured debt, and convertible debt could be used to described either structure above, so those terms could mean either type of structure.


Question: Do algorithmic trading platforms typically have live-data access to stock data?

"Algorithmic trading doesn't necessarily require live feeds. It is a very generic term describing trading based on the decisions made by a machine and not a person. One very prominent type of algo-trading is ""high frequency trading"". For HFT to be effective, not only do you need live feeds (which are provided by the exchanges electronically), you need them before others get them. That's why HFT traders put their machines as close as possible (physically) to the exchange data centers, sometimes even renting racks at the same datacenters from the exchanges themselves."

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"The debt ceiling doesn't give the president permission to spend more money.  The debt ceiling gives the treasury permission to pay our bills.  Also, they shut down the government once, and tried to shut it down 2-3 times over the course of Obama's presidency.  So to say that everything was ""smooth"" is either forgetting what happened or choosing to ignore it."

There are two building blocks you need:  - Knowledge - Connections (and usually more this than the prior)  You're on the right track with your CFA, but make sure you get to know people within the industry you're trying to enter.

It isn't illegal to hold money in overseas accounts.  It is illegal if you don't report it.  If the money is outside the US, it is hard for IRS to know about it.  That's the reason people who have money to hide take their chances with overseas accounts. Hope this simple explanation helps.

>  Did you tell your wireless router to stay only on channel 11 or did Apple finally fix that?  Had to tie down the router to channel 11.  My only hesitation is that I'll miss the Del key, and I'm scared about all the emacs shortcuts, but others have done it, so I'll live.

I think the biggest thing you need in this situation is a budget/spending plan that you both agree on.  Look at what your income is going to be and what expenses you'll have, and make cuts where needed.  If it's important to you that she be able to spend some money on herself, then make sure there's a budget for it.  Often, knowing that there's a plan that will work will help put someone's mind at ease. Also, make sure you're communicating, especially in the subtle non-verbal ways, that you're in this together, and that you don't think it is unfair that you're bringing in most of the income during this time.  In general, make sure you're talking with each other a lot and being honest about your feelings about this major life change.

Let Go App...good way to find awesome deals on furniture. Depending on climate find a nice bike, pretty easy way to get around & low maintenance costs compared to a car ( i.e. insurance, gas, repairs). Then depending on whether your work offers matching 401k programs, max that out or find a good index fund & consistently build that emergency fund. Chill for 10-15 years & enjoy the benefits of compounding interest my friend.


Question: I am moving to a new city. How do I plan and prepare - financially - for the move?

Some of the costs you might incur include:

For such a short timeframe, I'd have it in the currency (euros) you need, and in a savings account. The 5 months is not a time to 'invest' this money. Even 2-4 years would suggest just a CD or short term Government bond.

"How is it rhetorical? Of course it can be answered, it's based on an actual concern and actual research done by other economists and it invokes discussion.  Being called a ""Debbie Downer"" is just an ad hominem that translates to: I don't like the way question you're making cause it's sad, so I'm just not going to answer it"

What is the formula for calculating the total cost of a loan with extra payments towards the principal? The formula you require is the standard one for calculating the time to repay.  With larger repayments the time to completely repay the loan is reduced. Where The total cost of the loan is then n * d. Explanation & Calculation The formula for a loan is derived from the sum of the cash flows discounted to present value being equal to the principal.  For further info see the section here titled: Calculating the Present Value of an Ordinary Annuity The summation can be reduced to a closed form by induction:  Rearranging for d and n With the OP's figures The original monthly repayment is $1,006.96 Adding $200 each month ... With the higher repayment the loan is repaid in 257.36 months instead of 360.  (Of course a bank would simply take a reduced payment in month 258, but the amounts work out the same.) The saving is $51,882.37 Addendum If the repayments increase was made part-way through the term of the loan the summation and formula would be  Where Then For example, if for the first ten years the payments are $1,006.96 and for the remaining time the repayments are $1,206.96 The loan is completely repaid in 302.528 months. The saving is Plotting over a range of m months:

"No money is gone.  The movement of the existing currency has slowed down.  Currency moves through the economy through deposits or loans to banks, and withdrawal from banks as proceeds from loans or return of deposits.  When a bank makes a loan they provide a balance in a bank account, which isn't converted to hard currency until withdrawn.  So those bank loans essentially count as currency, and thus effectively multiply the stock of currency available.  Deposits into money market funds, and those funds loans into the commercial paper markets, have the same effect.  Banks and money funds are now making fewer loans.  In particular they are not funding ""companies"" that invested in securitizations of home mortgages and credit card receivables, but they are also lending less to businesses and consumers.  Because they are lending less they are ""effectively multiplying"" the currency less.   Think of deposited and lent currency as spare cycles on a desktop computer.  You let your computer help decipher the genome when you aren't using it yourself.  If you somehow feared that you would lose those cycles, slowing down your own computing, you would be less likely to lend those cycles out.  There would still be the same number of computing cycles in the world, but the stock of those available for actual computing would appear to be diminished.  The technical term for this concept is ""monetary velocity"" and it is a crucial factor in determing the level of overall economic activity, banking stability, and inflation."

gimme a break. There is always shit storm. Other country experience recession and deep recession (under US economic attack even) but none drop that kind of money.  I still want to know what China is doing to even up Obama's attempt to crash their market and currency.

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TLDR summary: Automation helps drive the economy rather than cause unemployment. Just look at the last 10 centuries (forgetting that the combination of information technology with automation started with the generation of milinials and has never been seen before in history.) And milinials are happy with their jobs even though they are replaceable because they have no kids, friends, or family to enjoy. Their low paying jobs and occasional vacations are all they have to enjoy.


Question: Are online mortgage lenders as good as local brick-and-mortar ones?

I had a pretty good experience with Lending Tree, although they are a mortgage broker, not a lender themselves.

>I'm going to disagree with vodkaspeed on getting a BB suit tho.   Doesn't BB also sell like 300 dollar suits?   First time I've heard of AE (allen edmonds based on your last response?) but there's a location near here so i'll check it out. Does any kind of black shoe work?

Very grey area. You can't pay them to run errands, mow the lawn, etc. I'd suggest that you would have to have self employment income (i.e. your own business) for you to justify the deduction. And then the work itself needs to be applicable to the business. I've commented here and elsewhere that I jumped on this when my daughter at age 12 started to have income from babysitting. I told her that in exchange for her taking the time to keep a notebook, listing the family paying her, the date, and amount paid, I'd make a deposit to a Roth IRA for her.  I've approaches taxes each year in a way that would be audit-compliant, i.e. a paper trail that covers any and all deductions, donations, etc. In the real world, the IRS isn't likely to audit someone for that Roth deposit, as there's little for them to recover.

Banks want to be paid back, and if you don't, then want to be able to sell your property for enough money to cover what you didn't pay back. Your credit rating will determine the interest rate you pay, and this affects how much you can borrow because a higher interest rate means that you can borrow less on the same terms than you could with a lower interest rate. Paying 50% down will bring your payment way down, of course, and will improve everything about your loan (debt to income ratio, debt to equity) but you'll likely still be charged the higher interest rate based on your credit rating. This, of course, is contingent on the property's value appraising properly.

"Aside from the fundamental points brought up in other answers (which is important), there are a number of choices when it comes to budgeting software. Software like this can help you organize fixed reoccurring costs (rent and phone) as well as variable costs (food and events). Mint is probably the most popular, but just search ""budgeting software"" to get an idea of what's out there. Some can also help you visualize your spending with reports and dashboards. Some help out with paying bills on a schedule (this may help avoiding late payments). Some even link up with your bank/credit card accounts."

By definition, this is a payroll deduction. There's no mechanism for you to tell the 401(k) administrator that a Jan-15 deposit is to be credited for 2016 instead of 2017. (As is common for IRAs where you do have the 'until tax time' option) If you are paid weekly, semi-monthly, or monthly, 12/31 is a Saturday this year and should leave no ambiguity about the date of your last check.  The only unknown for me if if one is paid bi-weekly, and has a check covering 12/25 - 1/7. Payroll/HR will need to answer whether that check is considered all in 2016, all in 2017 or split between the two.

"These people are pretty off. Insider trading cases, outside of a tender offer context, require some sort of a breach of duty. It's not simply ""non-public material information"". You have to trade securities in interstate, based on or while in possession of the material non-public information, and in doing so is a breach of duty owed to the company or to the information source.  Now simply saying ""personal info"" about an executive does not tell me much about its materiality. So assuming it passes the materiality test, and assuming you yourself aren't a corporate insider, then the only thing left to discuss is whether or not it is misappropriation. To be misappropriation you need to be breaching some duty owed to your information source. Now this isn't just principal-agent duty, this can extend to friends and family if there is a pattern of keeping confidences. So unless you're this guys brother or doctor there really isn't a strong claim against you."

"> Despite the fact that this correlation between immigration and wages is well-documented  Link does not go to proper documentation. Link goes to another article on the same site, with the title ""3 Reasons Why Mass Immigration Is Bad For The Economy"" and subtitle ""Is Immigration Good for the Economy?  No, Not Always"". Please make up your minds.  > The evidence suggests otherwise, including new data reported by Fox.  It looks like this bit is the closest thing there to proper data:  > Just how bad is it? According to the National Association of Home Builders, more than 56 percent of developers nationwide are reporting labor shortages.   > NAHB says the problems started when the recession hit and domestic construction workers dropped out of the market to find other jobs. At the same time, immigrant workers went back to their home countries. But as the economy has picked up and the construction industry has heated up, those workers have remained missing.   Yeah, that's not even close to as clear as they're making it out to be.  > In fact, according to Ted Wilson of Residential Strategies Inc. construction costs have risen by 30% this year—the majority of which is due to higher wages and increased overtime pay.  Heh. That Fox article says wages are about 60% of costs. A bit of math says that a 30% increase in costs that was due *entirely* to wage increases would mean wages had gone up by 50%. That's a missed opportunity by the article writers -- the headline really should say that wage-growth is ""up to 50%"". ;)  (Math: given $100 costs, $60 would be labor. A 30% increase is +$30. If that's all from labor, it would have gone from $60 to $90, and 90 / 60 == 1.5, or a 50% increase.)  .  Also, back to the leading paragraph:  > There is a strong correlation between immigration—particularly illegal immigration—and wages.  This should be obvious to anyone familiar with the fundamental principle of supply and demand: more supply (workers) means lower prices (wages), and vice versa.  There's an example of how it's nowhere near that simple at http://voxeu.org/article/impact-immigration-barriers-native-workers :  > Many claim that immigrants negatively affect the labour market prospects of native workers in advanced countries. This column studies a large change in immigration restrictions in the US – the 1965 exclusion of almost half a million Mexican seasonal farm workers (braceros) from the US labour market. The bracero exclusion did not increase the employment or wages of native workers, and technology adoption was one of the adjustment channels.   (Note I'm not saying *wrong* this time -- the VoxEU article is specifically about a case where there was existing technology available to replace the lost workers.)"


Question: How to invest 100k

"How to spend the money is up to you. That includes spending money on your house. (This is a safer way to look at it than an ""investment"". Not that it can't ever be treated as such, but that doing so often makes it easy to justify bad decisions and overspending on the house.) So with regards to the mortgage: So if it's not a monstrously huge deal, you might prefer to avoid default. Now,  how to invest the rest while waiting to spend it, now..."

"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-09-08/irma-s-wreckage-to-depress-u-s-economy-further-following-harvey) reduced by 80%. (I'm a bot) ***** > Hurricane Irma&#039;s expected collision with Florida will probably deepen and prolong the slowdown in a U.S. economy already digesting the impact of another storm that smashed ashore in Texas two weeks ago.  > The September timing of Irma threatens economic damage that will spill over into the final three months of the year, extending the volatility the U.S. was set to experience in the third quarter from Hurricane Harvey.  > Irma will &quot;Create further weakness in indicators that are already softening as the result of the hurricane,&quot; said Michelle Meyer, head of U.S. economics at Bank of America Corp. in New York, who trimmed the tracking estimate for this quarter by 0.4 percentage point to 2.5 percent.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ywf1w/irmas_wreckage_to_depress_us_economy_further/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~206607 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*: **Irma**^#1 **inflation**^#2 **U.S.**^#3 **quarter**^#4 **time**^#5"

I think that you could probably structure a trust like this.  The terms would be that the money is in trust for Person A if they claim it by some deadline.  After that it will go to Person B.  This won't be a cheap option though, since you'll probably need an attorney to structure it properly.

>This being said, before the outsourcing failure, it was not obvious that it would be.  Which would suggest that the qaulity of any risk management applied to the whole program at the outset was piss poor. These things tend to be way more political than they are achievable. Add to this the need to go for the lowest bidder in any specialisation and you don't need an MBA to work out what the most likely outcome is going to be..

There was a huge amount of creativity in the 70's . This lasted well into the early 80's . There were many good dramas and series produced . Whilst there are a few produced these days there are not as many as then . There are some good British programmes , some German , the odd French programme . But there is , with a few exceptions , a huge amount of crap that comes out of the USA . There are a lot of repeats of good old programs - these are what I watch - not anything new . I usually watch programs that are 15 to 25 years old . Trouble is that I have often already seen them .

Dude, I said pink slime is gross. Is, and should be, legal. Still gross.   Stop deciding who I am. You have no idea what you're talking about and are just coming to a conclusion you feel is right. That's totally unreasonable.

Krijg verschillende soorten Openhaardhout onder één dak , zijn er verschillende brandende personages zoals berken verbrandt snel en gemakkelijk , die het uitstekend voor speksteenkachel maakt . Andere open brandhout zoals eik brandt langzaam maar maakt goed open haard hout. Al het hout is kunstmatig gedroogd om u perfect verwarming ervaring in de late winter 's avonds evenals het behoud van milieu veilig en gezond . Krijg gedroogd brandhout in grootte blokken om gemakkelijk een voorraad op uw haard .

Because once those enhancements take off, I think it will rather quickly (in historical time) reach a point where it's simply not worth it, for the same reason we no longer bother dominating horses except as a hobby.


Question: How to avoid maintenance fee when balance drops below minimum?

Looks like you have three options: Outside of this you might need to look for a different type of account. Hope that helps.

I don't think Xero Personal does. I have my bank account in there, but since there's no automatic feed for the bank I use I imported it manually. I entered the bank by hand, so I think you could use it without listing a bank account at all.

"Great, I wonder how I the customer will be paying for this. I don't know exactly when it happened or the specifics but BOA lost 500 million in some bad loan or something a while back and a month later started taking on fees to what used to be free services. They started charging 5 dollars for a replacement debit card and other stuff like that. Their explantation for it was ""we have the right to make a profit"" when really it just seems they were covering their asses. Instead of cutting costs internally like an ethical/responsible company would, they make their customers pay for it. As soon as my credit card account goes up for renewal I am done with that bank."

You had excellent point how **costs of production** can affect price. Final_J explained already how value differs from this. It's good to remember that cost, price and value are separate things. Usually cost < price < value for trade to happen. Money is the best metrics we have, but it doesn't give really good picture of neither, costs or value.  I really kept myself as a smart dude about a year ago, for understanding what you just told us here. I like the way you think.

It is because 17th was Friday, 18th-19th were weekends and 20th was a holiday on the Toronto Stock Exchange (Family Day). Just to confirm you could have picked up another stock trading on TMX and observed the price movements.

I didn't have a a problem with BWW last time I went with a bunch of people. However that's was a while ago, their locations are sparse and inconvenient, and every pizza place serves wings. I don't remember their prices but I do know that attacking their target audience is a bad move.

Yeah, but they have a price match policy; have them price match themselves or go home and order it online.  Or hell, use your smart phone on their free wifi to place the order so the sales person doesn't get credit for the sale and can't harass you for a warranty.

Why does everything have to be low margin and low cost? Why can't it be decent healthy products and jobs, and consumers paying the cost because your average consumer is getting paid more.   As far as an agenda, what better agenda than supporting people getting paid a livable wage, and both the employees and company thriving!


Question: How does start-up equity end up paying off?

The details of how you can convert your 5% equity share to cash or stocks will be detailed in writing in the legal agreement you have already signed. If you do not have any signed written agreement, there is no 5%. Since 0% of anything is zero, you can expect to get $0 some time within the next few years. Lastly, if the person running the business, tells you that there is 5% equity for you, even though it is not in writing, that is extremely unlikely to be the case. This is because the Seller of the equity has no obligation whatsoever to pay you. In fact, they are obligated by their other agreements with actual shareholders not to dilute their equity without good cause. So, odds are, if your agreement is not in writing, not only will it not be honored, but it probably can't be honored.

Everyone always rants on how big of a problem this is.  Just a quick note, I don't care how much they get paid, but it's important to understand why.  It isn't because they set their own salaries, or that they are all super greedy.  Their pay is meant to solve an agency problem. The CEO doesn't own the company, the public does. Because of that the CEO has little incentive to act in the best interests of the owners, rather than his own interest.  So their pay is structured in a way that solves this problem. They are paid based on how well their company does, and how much shareholder value they create. This aligns their interests with the shareholders.  Is this the best solution? Probably not.  Is there a better one? Probably.  Do I know it? No.  But mindlessly complaining about the result doesn't solve the issue. The issue is we need a good solution for the agency problem in an economic system that is built on public ownership and private management.

"They borrowed it from the people, and typically to finance wars and military spending. For example, Wikipedia suggests that the Bank of England ""was set up to supply money to the King. £1.2m was raised in 12 days; half of this was used to rebuild the Navy."" It's a game that everyone has to play once started; if Napoleon buys an army on credit, you'll have to raise an equal amount or face quite a problem. As for why they've grown so large, it's because governments are quite skilled at owing large sums of money. Only a small portion of the debt comes due in full at a given moment, and they constantly reissue new debt via auction to keep it rolling. So as long as they can make coupon (interest) and the lump sum at maturity, it's not difficult to keep up. Imagine how much credit card debt you could rack up if you only ever had to pay interest. This game will continue for as long as people lend. And there are plenty of lenders. There's pensions, mutual funds and endowments, which find public debt typically safer than stocks. And money market funds, which target 1 dollar NAV and only invest in the ""safest"" AAA-rated bonds to protect it. There's central banks, which can buy and sell public debt to manipulate inflation and exchange rates.  Absent some kind of UN resolution to ban lending, or perhaps a EU mandated balanced budget, these debts will likely continue to grow. You think they ""collectively owe more money than can exist"", but there's a lot of wealth in the world. Most nations owe less than a year's GDP. For example, the US's total wealth is in the neighborhood of 50 trillion."

There's a primer on valuing community banks by oddball Stocks, an investor who specializes in that kind of stuff. I can't link it cause I'm on my phone, but just search it up on Google and I'm sure you'll find it.

Let's suppose your friend gave your $100 and you invested all of it (plus your own money, $500) into one stock. Therefore, the total investment becomes $100 + $500 = $600. After few months, when you want to sell the stock or give back the money to your friend, check the percentage of profit/loss. So, let's assume you get 10% return on total investment of $600.  Now, you have two choices. Either you exit the stock entirely, OR you just sell his portion. If you want to exit, sell everything and go home with $600 + 10% of 600 = $660. Out of $660, give you friend his initial capital + 10% of initial capital. Therefore, your friend will get $100 + 10% of $100 = $110. If you choose the later, to sell his portion, then you'll need to work everything opposite. Take his initial capital and add 10% of initial capital to it; which is $100 + 10% of $100 = $110. Sell the stocks that would be worth equivalent to that money and that's it. Similarly, you can apply the same logic if you broke his $100 into parts. Do the maths.

So, if we can't trust people to know what they want, who makes the decisions about what they should have, and what gives them that right?  I'm not suggesting environments don't play a role in human development, I'm suggesting that people need to learn to deal with the realities of their environments as part of their character growth. When you say that not being able to resist buying skittles is a serious problem, while there are still people living on the streets, I think you need some perspective.  I'd wager that what you're seeing as you get older is the poverty trap, which is a real problem, but which is caused by barriers to expanding earnings much more than by irrational spending (though it is a factor).  As for the insult, that's the impression your arguments gave, and I'd still like to know whether you believe you yourself need to be protected from these marketing practices, or you only feel that this is only necessary for others (implying they are somehow your inferiors in their ability to self-manage).

If this goes through and the company is punished sufficiently this breach with ultimately be good news.  Security as been too easily neglected because fixing it provides no obvious immediate benefit to the customer as opposed to other features.  So the only way this gets addressed is when CEO's and stockholders feel significant pain.

You can buy out of the money put options that could minimize your losses (or even make you money)  in the event of a huge crash. Put options are good in that you dont have to worry about not getting filled, or not knowing what price you might get filled with a stop-loss order, however, put options cost money and their value decays over time. It's just like buying insurance, you always have to pay up for it.


Question: Buying my first car: why financing is cheaper than paying cash here and now?

The dealership is getting a kickback for having you use a particular bank to finance through. The bank assumes you will take the full term of the loan to pay back, and will hopefully be a repeat customer. This tactic isn't new, and although it maybe doesn't make sense to you, the consumer, in the long run it benefits the bank and the dealership. (They wouldn't do it otherwise. These guys have a lot of smart people running #s for them). Be sure to read the specifics of the loan contract. There may be a penalty for paying it off early. Most customers won't be able to pay that much in cash, so the bank makes a deal with the dealership to send clients their way. They will lose money on a small percentage of clients, but make more off of the rest of the clients. If there's no penalty for paying it off early, you may just want to take the financing offer and pay it off ASAP. If you truly can only finance $2500 for 6 mos, and get the full discount, then that might work as well. The bank had to set a minimum for the dealership in order to qualify as a loan that earns the discount. Sounds like that's it. Bonus Info: Here's a screenshot of Kelley Blue Book for that car. Car dealers get me riled up, always have, always will, so I like doing this kind of research for people to make sure they get the right price. Fair price range is $27,578 - $28,551. First time car buyers are a dealers dream come true. Don't let them beat you down!  And here's more specific data about the Florida area relating to recent purchases:

Inflation is low because middle class salaries/wages have stagnated (in addition to the fact their their measures of inflation aren't relevant to the thinning middle who are seeing their real earnings decrease).  I mean it's not that difficult to understand and all their data points to this reality.  If they can't explain why, it's because they don't want to have to explain it.

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

You could buy a money order with your cash, then mail the money order to Deutsche Bank Germany for deposit into your account. You could also buy a prepaid debit card (like a Visa/AMEX giftcard) with your cash. Then, open a new Paypal account and add this prepaid card. Finally, send money to yourself using the prepaid card as the funding source. You could use a money transfer service, like Western Union, to transfer the cash to a friend/family in Germany. Then ask them to deposit it for you at Deutsche Bank Germany.

"I really don't understand. Yes, facebook overpriced their IPO. I suppose they may have to renegotiate some of their retention deals. On the other hand, they brought in significantly more capital than if they had priced the deal ""correctly"". If anything, Ebersman did a great job of getting facebook the maximum amount of capital while at the same time giving up the minimum amount of equity."

It's important because it shows that the amount you owe does not decrease linearly with each payment, and you gain equity as a correspondingly slower rate at the beginning of the loan and faster at the end. This has to be figured in when considering refinancing, or when you sell the place and pay off the mortgage. It also shows why making extra payments toward principal (if your loan permits doing so) is so advantageous -- unlike a normal payment that lowers the whole curve by a notch, reducing the length of time over which interest is due and thus saving you money in the long run. (Modulo possible lost-opportnity costs, of course.)

In the style of the Bank of England's Inflation Calculator, you can do the calculation like so. The third column is an index made from the inflation figures and the forth column shows the inflation-adjusted values.  Using the index to calculate the difference in costs, for example: The formulas used to produce the table above are shown below.

Requiring providers to post costs for their 50 most common procedures in a standardized way, along with requiring standardized pricing regardless of payer would go a long way to actually addressing the market problems of American healthcare.   Which parties are in favor of this?  Not a fucking one.


Question: Which technical analysis indicators are considered leading stock market indicators?

Relative Strength Indicators are also trailing indicators.  They are based on the number of recent upticks or downticks in an investment's price.  (The size of a tick is quantized, and related to the investment's price.)  By the time enough upticks have accumulated to generate a buy signal, the investment has already increased in price significantly.  Similarly, by the time enough downticks have accumulated a to generate a sell signal, the investment has already dropped in price significantly. The theory of Relative Strength Indicators is based on the hope that moves found by these indicators are likely to continue after the signal is generated.  But even if this is the case, someone who relies on these indicators will miss out on the first part of the move. Dorsey-Wright offers investment research based on the theory of Relative Strength Indicators.  They offer investment vehicles based on this research.  They also work with local investment advisors to develop custom back-tested strategies.  They have published a white-paper, with references to others' research.

I wouldn't really call it a counterpoint. A counterpoint to this would be to argue that tasks won't be automated just because they can.  That being said there are tremendous risks in taking humans out of the picture in many cases. Unfortunately as this video proves these tasks are still automated despite the risks. Automation can work just fine when it's been thought out well, tested in a sandbox environment, and monitored to prevent mistakes that are made from reoccurring.  Edit: When I wrote this I hadn't finished the article and gotten to the point where he pretty much says all automation is good, period.

"Nothing necessarily has to ""benefit."" Right now, what primarily drives demand for gold is its perceived use as a hedge against the inflation of fiat currency. I.e. when inflation strikes, the price of gold goes up rapidly. Thus, for a given currency, gold decreasing in price is almost always a signal that the currency is increasing in value. However, it may be that at some point in time people everywhere just decide that gold is no longer worth using as an inflation hedge, and thus the price collapses simply because demand collapsed. No corresponding ""benefit""."

This is best online cartridge service provider in UK. We provide you easy and efficient service. We have all the brand name like epson inks, hp ink, hp cartridges,  epson cartridges and many more. Further, we available for you 24x7 and provide you best service in the world.

I'd probably off myself if I had to drive a Camry or Corolla though. Unreliable as they may be, I'd much rather drive a Challenger or a charger. At least they have character. Camrys are appliances. Bulletproof and a great value, yes, but soulless as well.

If it were me, I would create a website for him.  Take a look at all the other local plumber websites and identify the things they get right and wrong and then do or don't do those things, as appropriate.  My feeling is that when someone wants a plumber, they are often anxious and may be in a hurry, so the first thing you need to say on that site is something that is brief and reassuring. The text needs to be clear and easy to read - no white text on a black background, or text placed over a picture.  You also need to answer all the key questions they are likely to ask - how much, how soon, can I trust you to do the right thing, how much experience do you have?  Basically, you need to put yourself in the shoes of that anxious customer and say the things that will strike a chord with them - obviously, any promises he makes on the site he then has to deliver.

Wells Fargo has a good free product that you can sign up for on their website. Google Wells Fargo Economics. I think that will get you there. If you have a friend on a trading desk you can get the JPM morning note which is really good too.

It doesn't rely in the first item. A legal tender law certainly makes it easier for the banker to find goods with his dollars, but you can have the exact same scenario I described above in a competing currency system.  Typically the Cantillion Effect has bankers disadvantaged because they get their interest payment after the inflation effects prices. It is the primary loan receiver who gets the best value.


Question: Calculating pay off for credit card with multiple APRs

"@Joe's original answer and the  example with proportionate application of the payment to the two balances is not quite what will happen with US credit cards. By US law (CARD Act of 2009), if you make only the minimum  required payment (or less), the credit-card company can choose which part of the balance that sum is applied to. I am not aware of any company that chooses to apply such payments to anything other than that part of the balance which carries the least interest rate  (including the 0% rate that ""results"" from acceptance of balance transfer  offers). If you make more than the minimum required payment, then the excess must, by law, be applied to paying off the highest rate balance. If the highest rate balance gets paid off completely, any remaining amount must be applied to second-highest rate balance, and so on.  Thus, it is not the case that that $600 payment (in Joe's example) is applied proportionately to the $5000 and $1000 balances owed. It depends on what the required minimum payment is. So, what would be the minimum required payment? The minimum payment is the total of (i) all finance charges incurred during that month, (ii) all service fees and penalties (e.g. fee for exceeding credit limit, fee for taking a cash advance, late payment penalty) and other charges (e.g. annual card fee) and (iii) a fraction of the outstanding balance that (by law) must be large enough to allow the customer to pay off the entire balance in a reasonable length of time. The law is silent on what is reasonable, but most companies use 1% (which would pay off the balance over 8.33 years).  Consider the numbers in Joe's example together with the following assumptions: $5000 and $1000 are the balances owed at the beginning of the month, no new charges or service fees during that month, and the previous month's minimum monthly payment was made on the day that the statement paid so that the finance charge for the current month is on the balances stated). The finance charge on the $5000 balance is $56.25, while the finance charge on the $1000 balance is $18.33, giving a minimum required payment of $56.25+18.33+60 = $134.58. Of the $600 payment, $134.58 would be applied to the lower-rate balance ($5000 + $56.25 = $5056.25) and reduce it to $4921.67. The excess $465.42 would be applied to the high-rate balance of $1000+18.33 = $1018.33 and reduce it to $552.91. In general, it is a bad idea to take a cash advance from a credit card. Don't do it unless you absolutely must have cash then and there to buy something from a merchant who does not accept credit cards, only cash, and don't be tempted to use the ""convenience checks"" that credit-card companies send you from time to time. All such cash advances not only carry larger rates of interest (there may also be upfront fees for taking an advance) but any purchases made during the rest of the month also become subject to finance charge. In other words, there is no ""grace period"" for new charges, and this state of affairs will last for one month beyond the first credit-card statement whose statement is paid off in full in timely fashion. Finally, turning to the question asked, viz. "" I am trying to determine how much I need to pay monthly to zero the balance, ...."", as per the above calculations, if the OP makes the minimum required payment of $134.58 plus $1018.33, that $134.58 will be applied to the low-rate balance and the rest $1018.33 will pay off the high-rate balance in full if the payment is made on the day the statement is issued. If payment is made later, but before the due date, that $1018.33 will be accruing finance charges until the date the payment is made, and these will appear as 22% rate balance on next month's statement. Similarly for the low-rate balance. What if several monthly payments will be required? The best calculator known to me is at https://powerpay.org (free but it is necessary to set up a username and password).  Enter in all the credit card balances and the different interest rates, and the total amount of  money that can be used to pay off the balances, and the site will lay out a payment plan.  (Basically, pay off the highest-interest rate balance as much as possible while making minimum required payments on the rest). Most people are surprised at how much can be saved (and how much shorter the time to be debt-free is) if one is willing to pay just a little bit more each month."

"When using a debit card in a ""credit"" way, you don't need to enter your PIN, which protects you from skimmers and similar nastiness. Also, assuming it's a Visa or Mastercard debit card, you now have access to all of the fraud protection and other things that you would get with a credit card. The downside for the merchant is that credit card transaction fees are typically higher than debit card transaction fees. I'm less familiar with using a credit card in a ""debit"" way, so don't have anything to offer on that part of your question."

Mods of /r/finance how many times are we going to see this advertisement? /u/sciencegames [won't even explain the program](https://www.reddit.com/r/finance/comments/6rhha4/upenn_research_finance_challenge_earn_up_to_20/dl7mn55/). This is just an ad for some grad student's project. This is the third time i've seen this thread reposted in two months. What's it going to be, 2 more times? 5 more times? Do you have some limit in mind?

"This is the best tl;dr I could make, [original](https://www.nytimes.com/2017/07/25/upshot/maybe-weve-been-thinking-about-the-productivity-slump-all-wrong.html?smid=re-share) reduced by 82%. (I'm a bot) ***** > Just maybe, if the labor market tightens and good workers are harder to find - and wages rise - that will be the impetus to get companies to consider more of those big-ticket innovations that generate productivity growth.  > You could imagine the same thing happening if wages rose because of market forces; that same fast food restaurant might invest in kiosks and robots if the labor market were so tight that no workers were willing to take the job for $10. If you look at long-term patterns of productivity growth, they roughly fit this idea, that a booming job market tends to be followed by a productivity boom, and that deep recessions are followed by productivity slumps.  > In this way of thinking about productivity, inventors and business innovators are always cooking up better ways to do things, but it takes a labor shortage and high wages to coax firms to deploy the investment it takes to actually put those innovations into widespread use.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6s3yzv/maybe_we\u00e2ve_been_thinking_about_the_productivity/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~185009 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*: **productivity**^#1 **wage**^#2 **worker**^#3 **growth**^#4 **market**^#5"

Annualize quarterly returns:      AR = (1+QR)^4  Where *QR* is a decimal return, e.g. 0.05.  Standard deviations are similar:      Annual SD = SD * sqrt(T)  If you have quarterly deviations, *T=4*, if you have daily, *T=252*, etc.  As an aside, for work with money riding on it, it is *not* okay to aggregate standard deviations if there's autocorrelation amongst observations at a smaller time scale. Volatility is often quoted this way and that's fine, but it is dangerous to do any sort of risk management with this and you'll require more due diligence. It's a good enough approximation for napkin math, though.

Couldn't have asked for a better response. As for my courses, yes I had various group projects in different classes, with my capstone finance course being entirely group project based, so that would definitely put a dent in the required hours. But still the whole thing seems a bit arbitrary doesn't it? There's no real way of keeping track of hours, then again I haven't done much research on the program yet and if it comes down to the wording I can probably make it work as it is.  Regardless thanks for pointing me in the right direction, I am for sure interested in the PMP and in the mean time ill check out what you suggested. Appreciate it.

"> And you get this Medicare ""issue"" from Vox whom you, yourself, say ""Vox does spin things left"".  Allowing Medicare Part-D negotiate drug prices has long been my litmus test of swamp politics.  It puts the free market and lower drug prices against corporate profits and it is disturbing how many politicians choose the latter.  When President Trump brought up the issue I applauded and thought he could be serious about draining the swamp.  When he reversed his position it showed me he embodied the swamp.  I chose the Vox article when deciding how to present this issue to you because I thought it did a good job explaining how big of a backstab this reversal was to the American people.  The articles of this meeting from conservative media ignored the flip-flop and painted more money going to the pharmaceutical companies as a win.  I do not agree this is a very gray topic.  I think this clearly shows President Trump will choose to help the rich despite claiming to do the opposite.  > And Medicare Part-D issue was not dealt at all by Obama in 8 years, am I right?  And there you go again thinking you can point to Obama and be proven right.  I know you think Obama was terrible.  Pointing out that President Trump is better than terrible isn't high praise.  > Ok!!!! Please find me something significant that Trump did that you don't like.  All right, another one of my pet issues is global warming.  I worked for the National Center for Atmospheric Research for seven years and decided to use the time to research both sides of the issue.  There was no comparison.  What I found was the scientists had multiple studies using different approaches with solid science and similar conclusions backed by decades of data.  The skeptics had cherry-picked data, specious reasoning, misrepresentation of the work of others, and often had direct financial ties to big oil.  Today I know of no valid evidence that the planet is not warming or that humans are not responsible.  This makes this issue into another litmus test for me.  If you seek the truth then you will learn that global warming is a real and a serious threat.  If someone claims its a hoax, unsettled science, not human caused, or not much danger then either that person misleading you to push an agenda or is listening to people who are.  Citizen Trump called global warming a Chinese hoax several years ago but I was willing to give him a chance to surround himself with people who actually knew the science.  Since becoming president he has appointed a climate change denier to head the EPA and much of his cabinet, doubled down on coal, oil, and gas mining and pipelines, pulled out of the Paris Accords, cut funding for climate studies, banned government scientists from speaking about the issue publicly, and rolled back regulations that would require or encourage reductions in greenhouse gas emissions.  Once again this issue shows me that President Trump is ignoring what the scientists are saying and what is best for our country long term and embracing policies that will make more money for the wealthy."

Everyone has failures. Failures are how we learn as humans. We literally have to fail over and over again in order to learn how to walk. Yes Steve Jobs had failures in business, and those failures ultimately led to him forever changing the world.  I don't know him personally, so I can't say how he was with other people or his family. However, I did read in Ed Catmull's book Creativity that he developed into a great leader with compassion for others as the years went on.  Other than that, I totally agree with you about what true leadership means.


Question: What is the US tax owed when gifting India Shares to my brother?

Here's an excerpt from the Charles Schwab website which I think will help evaluate your position: The simple answer to your question is no, the value of a gift of stock   for gift tax liability is NOT the donor's cost basis, but rather the   fair market value of the stock at the time the gift is given. So let's   say you purchased 100 shares of XYZ stock at $50 a share. Your cost   basis is $5,000. Now the stock is $80 a share and you give it as a   gift. The value of your gift for gift tax purposes is $8,000. In 2015, you can give up to $14,000 to an unlimited number of   individuals each year without paying a gift tax or even reporting the   gifts. If you give over that amount to any individual, however, you   must report the gift on your tax return, but you don't have to pay   taxes until you give away more than the current lifetime limit of   $5,430,000—for the amount above and beyond $14,000 per person per   year. So in the example above, there would be no gift tax liability.   However, if the stock happened to be $150 a share, the value of the   gift would be $15,000. You'd then have to report it and $1,000 would   be applied toward your $5,430,000 lifetime exclusion. You will need to pay a gift tax on the current value of the stock. I'm not familiar with the tax laws in India, but if your brother was in the US, he wouldn't pay taxes on that gift until he sells the stock. The recipient doesn’t have to worry about gift taxes. It's when the   recipient decides to sell the stock that the issue of valuation comes   up—for income taxes. And this is where things can get a bit more   complicated. In general, when valuing a gift of stock for capital gains tax   liability, it's the donor's cost basis and holding period that rules.   As an example, let's say you receive a gift of stock from your   grandfather. He bought it for $10 a share and it's worth $15 a share   on the day you receive it. If you then sell the stock, whether for a   gain or a loss, your cost basis will be the same as your   grandfather’s: $10 per share. Sell it at $25 and you'll pay tax (at   the short- or long-term rate, depending on how long he owned the   stock) on a gain of $15 a share; sell it at $8 and your capital loss   will be $2 a share. Ultimately, with a gift this large that also crosses international borders, you really should hire a professional who is experienced with these types of transactions. Their fees/commission will be completely offset by the savings in risk and paperwork.  http://www.schwab.com/public/schwab/nn/articles/How-Do-You-Value-a-Gift-of-Stock-It-Depends-on-Whether-You-re-the-Giver-or-the-Receiver

I have a car loan paid in full and even paid off early, and 2 personal loans paid in full from my credit union that don't seem to reflect in a positive way and all 3 were in good standing. But you also  My credit card utilization is 95%. I have a total of 4 store credit cards, a car loan, 2 personal loans. So assuming no overlap, you've paid off three of your ten loans (30%).  And you still have 95% utilization.   What would you do if you were laid off for six months?  Regardless of payment history, you would most likely stop making payments on your loans.  This is why your credit score is bad.  You are in fact a credit risk.  Not due to payment history.  If your payment history was bad, you'd likely rank worse.  But simple fiscal reality is that you are an adverse event away from serious fiscal problems.   For that matter, the very point that you are considering bankruptcy says that they are right to give you a poor score.  Bankruptcy has adverse effects on you, but for your creditors it means that many of them will never get paid or get paid less than what they loaned.   The hard advice that we can give is to reduce your expenses.  Stop going to restaurants.  Prepare breakfast and supper from scratch and bag your lunch.  Don't put new expenses on your credit cards unless you can pay them this month.  Cut up your store cards and don't shop for anything but necessities.  Whatever durables (furniture, appliances, clothes, shoes, etc.) you have now should be enough for the next year or so.   Cut your expenses.  Have premium channels on your cable or the extra fast internet?  Drop back to the minimum instead.  Turn the heat down and the A/C temperature up (so it cools less).  Turn off the lights if you aren't using them.  If you move, move to a cheaper apartment.  Nothing to do?  Get a second job.  That will not only keep you from being bored, it will help with your financial issues.   Bankruptcy will not itself fix the problems you describe.  You are living beyond your means.  Bankruptcy might make you stop living beyond your means.  But it won't fix the problem that you make less money than you want to spend.  Only you can do that.  Better to stop the spending now rather than waiting until bankruptcy makes your credit even worse and forces you to cut spending.   If you have extra money at the end of the month, pick the worst loan and pay as much of it as you can.  By worst, I mean the one with the worst terms going forward.  Highest interest rate, etc.  If two loans have the same rate, pay the smaller one first.  Once you pay off that loan, it will increase the amount of money you have left to pay off your other loans.  This is called the debt snowball (snowball effect).   After you finish paying off your debt, save up six months worth of expenses or income.  These will be your emergency savings.   Once you have your emergency fund, write out a budget and stick to it.  You can buy anything you want, so long as it fits in your budget.  Avoid borrowing unless absolutely necessary.  Instead, save your money for bigger purchases.  With savings, you not only avoid paying interest, you may actually get paid interest.  Even if it's a low rate, paid to you is better than paying someone else.   One of the largest effects of bankruptcy is that it forces you to act like this.  They offer you even less credit at worse terms.  You won't be able to shop on credit anymore.  No new car loan.  No mortgage.  No nice clothes on credit.  So why declare bankruptcy?  Take charge of your spending now rather than waiting until you can't do anything else.

As far as I know, it has the same price, and effects on the market, as any other transaction...

I know that both Lowes and Home Depot (in Canada at least) will offer a 6 month deferred interest payment on all purchases over a certain dollar amount (IIRC, $500+), and sometimes run product specific 1 year deferred interest specials. This is a very effective way of financing renovations. Details: You've probably seen deferred interest -- It's very commonly used in furniture sales (No money down!!! No interest!!! Do not pay for 1 full year!!!)  (Personally, I think it's a plot by the exclamation point manufacturers) It works like this: Typically, I manage these types of purchases by dividing the principal by 6, and then adding 5%, and paying that amount each month.  Pay close attention to the end date, because you do not want to pay 22% interest on the entire amount.   This also requires that you watch your card balance carefully.  All payments are usually put to current purchases (i.e. those not under a plan) first, before they are applied to the plan balance.  So if you are paying 250 a month on the new floor, and run up another $150 on paint, You need to pay the entire new balance, and then the $250 floor payment in order for it to be applied correctly.  Also <shameless plug> http://diy.stackexchange.com </shameless plug>  Consider doing it yourself.

"This is a really interesting question and something a lot of work is being done to understand.  I'm going to look at the closely related question ""Do non market-cap etf weighting methods consistently outperform once you take into account their investment biases?"" Let's use revenue weighting as a reason why investment biases are so important.  In revenue weighting, you would own almost no fast-growing tech companies as they generally have little revenue.   This sounds great if we are talking about say Pets.com in the late 90s but you also would miss most of the rise of Google. To believe in these ETFs consistently outperform (adjusted for risk) you would have to have a strong reason to believe that earnings, sales, or dividends are a better predictor of company value than market value.  Market analysts include the above three metrics and many more when pricing stocks so out-performance using only one of the above metrics seems unlikely. There is one caveat to this and that is value and small cap stocks have been shown to give slightly better risk-adjusted returns in the very long run (see Fama/French) and many of these alternative weighting methods will have a value or small cap bias.  First, it is unclear if this out-performance will continue now that it is more widely known.  Second, even if you believe this will continue you can more easily and cheaply get this bias though value/small-cap etfs than these weighting schemes. In the end, the only thing that is perfectly clear is that higher fee investments will generally under-perform."

You mention that you would quit right after getting approved. But in the United States there would be one last check as a part of closing. Therefore it would be best to wait until after closing to quit your job. Waiting until after closing would also protect you from some hiccup that causes a delay in closing, thus requiring the need to reapply for the loan.

"If one takes a slightly more expansive view of the word ""saving"" to include most forms of durable asset accumulation, I think the reason some do and most don't is a matter of a few factors, I will include the three that seem obvious to me: Education Most schools in the US where I live do not offer personal finance courses, and even when they do, there is no opportunity for a student to practice good financial habits in that classroom setting. I think a simple assignment that required students to track every penny that they spend over the period of a few months would help them open their eyes to how much money is spent on trivial things that they don't need. Perhaps this would be more effective in a university setting where the students are usually away from home and therefore more responsible for the spending that occurs on their own behalf. Beyond simple education about personal finances, most people have no clue how the various financial markets work. If they understood, they would not allow inflation to eat away at their savings, but that's a separate topic from why people do not save. Culture Since much of the education above isn't happening, children get their primary financial education from their parents. This means that those who are wealthy teach their children how to be wealthy, and those who are poor pass on their habits to children who often also end up poor. Erroneous ideas about consumption vs. investment and its economic effects also causes some bad policy encouraging people to live beyond their means and use credit unwisely, but if you live in a country where the average person expects to eat out regularly and trade in their automobiles as soon as they experienced their highest rate of depreciation, it can be hard to recognize bad financial behavior for what it is. Collective savings rates reflect a lot of individuals who are emulating each other's bad behavior. Discipline Even when someone is educated about finances, they may not establish good habits of budgeting regularly, tracking spending, and setting financial goals. For me, it helps to be married to someone who has similar financial goals, because we budget monthly and any major purchases (over $100 or so) must be agreed upon at the beginning of the month (with obvious exceptions for emergencies). This eliminates any impulsive spending, which is probably 90% of the battle for me. Some people do not need to account to someone else in order to spend wisely, but everyone should find a system that works for them and helps them to maintain some financial discipline."

Let's assume you have total year income I. The inflation rate is R and the growth rate is E every year. The contributed rate deducting 1.8% will be C = 0.982. So, for your account you'll have every year Let's assume you have annual income in 1000, then for years So, you'll deposit 40 000 and got at the end 129 023.60. But be careful, economic calculation for so long period could be very incaccurate because of the variation of the inflation rate, growth rate and various risks. The spreadsheet could be very useful. More accurate formula which assume that annual deposit grows only the half of the year. Thus, the result for 40 years will be 124 576.91.


Question: How do I interpret this analysis from Second Opinion?

"In Second Opinion's opinion, they say ""Do not initiate new position.""  This means do not buy the stock if you do not already own it.   Since they also say to hold if you do own it, this is a very ""who knows what it will do"" neutral position (IMO)."

> What exactly does Russia get from us, if anything, that they can't get somewhere else?  Food, capital and human capital.  > And if they get something I guarantee Putin has found a substitute source  E.U. and the US produces some of the worlds best produce in terms of quality and quantity. Russia has no problem feeding their population. If they're cool with eating nothing but wheat and corn.  > IMHO this is not as bad as the media wants you to believe.  Actually it's gonna be pretty fucking bad for the Russian people. They are already suffering from inflation and GDP stagnation from the previous years sanctions.

Credit card, without a doubt. The reason is dispute resolution. If you dispute a charge on debit card - the money has left your account already, and if the dispute was accepted - you'll get it back. If. Eventually. In the mean time your overdraft will be missing $$$. For credit cards, you can catch a fraud action before the money actually leaves your pocket and dispute it then. In this case the charge is set aside, and you will only be required to actually pay if the dispute is rejected. I.e.: The money stays in your pocket, until the business proves that the charge is legit. In both cases, if the dispute is justified (i.e.: there was indeed a fraud) neither you nor the bank will lose money at the bottom line, it's just who's got the money during the dispute resolution process (which may be lengthy) that matters.

Given your timeframe, risk tolerance, and the fact that you don't need this money, I would suggest a balanced approach. Something like: If you want to have fun investing, you could look into things like lendingclub, or bonds, or stocks, etc. But an allocation like I've outlined above is a pretty good balance of risk and reward over that timeframe.

**Barbarians at the Gate: The Fall of RJR Nabisco**  Barbarians at the Gate: The Fall of RJR Nabisco is a book about the leveraged buyout (LBO) of RJR Nabisco, written by investigative journalists Bryan Burrough and John Helyar. The book is based upon a series of articles written by the authors for The Wall Street Journal. The book was later made into a made-for-TV movie by HBO, also called Barbarians at the Gate. The book centers on F. Ross Johnson, the CEO of RJR Nabisco, who planned to buy out the rest of the Nabisco shareholders.  ***  ^[ [^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/finance/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index)   ^] ^Downvote ^to ^remove ^| ^v0.23

Remember that unless you participate in the actual fund that these individuals offer to the public, you will not get the same returns they will. If you instead do something like, look at what Warren Buffet's fund bought/sold yesterday (or even 60 minutes ago), and buy/sell it yourself, you will face 2 obstacles to achieving their returns: 1) The timing difference will mean that the value of the stock purchased by Warren Buffet will be different for your purchase and for his purchase. Because these investors often buy large swathes of stock at once, this may create large variances for 2 reasons: (a) simply buying a large volume of a stock will naturally increase the price, as the lowest sell orders are taken up, and fewer willing sellers remain; and (b) many people (including institutional investors) may be watching what someone like Warren Buffet does, and will want to follow suit, chasing the same pricing problem. 2) You cannot buy multiple stocks as efficiently as a fund can. If Warren Buffet's fund holds, say, 50 stocks, and he trades 1 stock per day [I have absolutely no idea about what diversification exists within his fund], his per-share transaction costs will be quite low, due to share volume. Whereas for you to follow him, you would need 50 transactions upfront, + 1 per day. This may appear to be a small cost, but it could be substantial. Imagine if you wanted to invest 50k using this method - that's $1k for each of 50 companies. A $5 transaction fee would equal 1% of the value of each company invested [$5 to buy, and $5 to sell]. How does that 1% compare to the management fee charged by the actual fund available to you? In short, if you feel that a particular investor has a sound strategy, I suggest that you consider investing with them directly, instead of attempting to recreate their portfolio.

My initial thoughts were Slack is amazing, why would they quit? I read the article and found that their challenges are aligned to challenges that most companies now face with the direct instant communication tool. Besides the obvious lack of personal connection slack can be very divisive if not used the right way.

"As a Brit, I try to avoid just saying ""no"" outright at work. Rather, I would question why they needed something if I didn't see the need for it (it may well be that I'm just not seeing something that they are, because they have more experience). I also try to phrase questions in a way that is respectful and doesn't back my superiors into a corner. Of course ultimately it just comes down to social skills which you'd use in daily life outside work anyway."


Question: Doctor's office won't submit claim to insurance after 5 months

I'm a business law student, so medical stuff isn't really my specialty. I'll share with you what I know though. First, as to the legality, I'm not aware of anything making it illegal for them to consider their business with you concluded. Absent any contract between you and the doctor, it seems to me that you agreed to pay them in cash. If I was the business, I'd assume our business had been concluded as well. As for any contracts between the insurance company and the doctor's office, as far as I know, that's between them. That wouldn't give you standing to sue the doctor. I'm unfamiliar with a patient submitting insurance claims, but if that's something you are allowed to do with your insurance company and all you need is more information, submit a request for your medical records to the doctor. Under United States law, your medical records are yours. You have a right to receive a copy of them. Keep in mind though that the doctor's office may charge you a small copying fee to cover expenses they incur while making a copy for you. As far as complaining, I would suggest your local Better Business Bureau. Each state generally has a medical board which oversees doctors. You might lodge a complaint with them as well. I hope this helps. Keep in mind that I'm not an attorney. This is not legal advice. This is only what I personally would do if I were in your situation. You can and should consult an attorney who is licensed to practice law in your particular jurisdiction.

"It seems like you don't understand much about what you have a strong opinion about.  Most public employees who fly do fly coach. Senior leadership and executive class employees - the kind responsible for tens of thousands of employees and/or manage federal budgets worth hundreds of millions or more - you put them in business class so they can be productive. It's not about comfort; it's about productivity.  Secondly, neither you (as an owner) nor the public pay the costs for union reps. So no one needs to or should care what uninformed opinion you have. That would be like me disctating how you or some other business owner should be able to spend their operating budget.  It's statements from ignorance like this that really undermine the argument that ""business owners"" are the backbone of the economy or that they would have any advantage managing public affairs."

"This is the biggest blunder I see in money handling.  ""Oh I'm a good person and everyone knows my intentions are good.  And they're really happy with me right now, so it'll stay that way forever, right?  So I can just do anything and they'll trust me.""  And then in hindsight 10 years later, the person realizes ""wow, I was really stubborn and selfish to just assume that.  No wonder it blew up.""  Anyway, to that end, your requirement that all the money be in one account and ""this will simplify taxes"" is horsepuckey.  No one will believe a legitimate financial advisor needs that, but it's exactly what a swindler would do. And that's the problem.  If anything goes wrong, their trust in you will be forgotten, some will say you intended to scam all along, and the structure will be the first thing to convict you.   Money makes everyone mistrusting.  Ironically, the concept is called a ""trust"", and there's a wide body of law and practice for Person X responsibly handling the money of Person Y.  The classic example is Person Y is a corporation (say, a charity) and Person X is on the Board of Directors.  It's the same basic thing.   The doctrine is:"

That has nothing to do with what I said. Undoubtedly the USPS does many things that make them money. They also seem to do things that don't make them money, as evidenced by them cutting those non-money-making things to balance their budget.  And due to congressional interference, the USPS often does irrational things, unfortunately.

"He thinks he can ""get a deal"" now that SK really needs NK in the wake of the hostilities lately. Also, government disruptions cause predictable market responses, so the deals he's making help himself and the rest of the 1%. Imagine as a business leader you know this, and now imagine you have the power to do it at will.   I don't think that's cynical. Some who's lived their entire adult life finding ways to turn every situation into personal profit isn't going to stop when he's the president."

Yes but it's more important to look at the longer term trends, which Schiff would actually probably support.   He is not anyone you should take very seriously for intelligent economic debate. His glory comes from calling the real estate bubble, which deserves some credit, but all of his predictions of what would occur during the fall out have been wrong and almost the exact opposite. He doesn't understand modern economics.

You may have meant r/the_donald instead of R/the_donald.    ---------------------------------------    Remember, *I can't do anything against ninja-edits.*    **What is my purpose?** I correct subreddit and user links that have a capital R or U, which are **unusable on some browsers.**     **by Srikar**

Given that hedge funds and trading firms employ scores of highly   intelligent analysts, programmers, and managers to game the market,   what shot does the average person have at successful investing in the   stock market? Good question and the existing answers provide valuable insight.  I will add one major ingredient to successful investing: emotion.  The analysts and experts that Goldman Sachs, Morgan Stanley or the best hedge funds employ may have some of the most advanced analytical skills in the world, but knowing and doing still greatly differ.  Consider how many of these same companies and funds thought real estate was a great buy before the housing bubble.  Why?  FOMO (fear of missing out; what some people call greed). One of my friends purchased Macy's and Las Vegas Sands in 2009 at around $5 for M and $2 for LVS.  He never graduated high school, so we might (foolishly) refer to him as below average because he's not as educated as those individuals at Goldman Sachs, Morgan Stanley, etc.  Today M sits around $40 a share and LVS at around $70. Those returns in five years. The difference?  Emotion.  He holds little attachment to money (lives on very little) and thus had the freedom to take a chance, which to him didn't feel like a chance.  In a nutshell, his emotions were in the right place and he studied a little bit about investing (read two article) and took action.  Most of the people who I know, which easily had quintuple his wealth and made significantly more than he did, didn't take a chance (even on an index fund) because of their fear of loss. I mean everyone knows to buy low, right?  But how many actually do?  So knowing what to do is great; just be sure you have the courage to act on what you know.


Question: Can a self-employed person have a Health Savings Account?

"Whether you can establish an HSA has nothing to do with your employment status or your retirement plan. It has to do with the type of medical insurance you have.  The insurance company should be able to tell you if your plan is ""HSA compatible"". To be HSA compatible, a plan must have a ""high deductible"" -- in 2014, $1250 for an individual plan or $2500 for a family plan. It must not cover any expenses before the deductible, that is, you cannot have any ""first dollar"" coverage for doctor's visits, prescription drug coverage, etc. (There are some exceptions for services considered ""preventive care"".) There are also limits on the out-of-pocket max. I think that's it, but the insurance company should know if their plans qualify or not. If you have a plan that is HSA compatible, but also have another plan that is not HSA compatible, then you don't qualify. And all that said ... If you are covered under your husband's medical insurance, and your husband already has an HSA, why do you want to open a second one? There's no gain. There is a family limit on contributions to an HSA -- $6,550 in 2014. You don't get double the limit by each opening your own HSA. If you have two HSA's, the combined total of your contributions to both accounts must be within the limit. If you have some administrative reason for wanting to keep separate accounts, yes, you can open your own, and in that case, you and your husband are each allowed to contribute half the limit, or you can agree to some other division.  I suppose you might want to have an account in your own name so that you control it, especially if you and your husband have different ideas about managing finances. (Though how to resolve such problems would be an entirely different question. Personally, I don't think the solution is to get into power struggles over who controls what, but whatever.) Maybe there's some advantage to having assets in your own name if you and your husband were to divorce. (Probably not, though. I think a divorce court pretty much ignores whose name assets are in when dividing up property.)  See IRS publication 969, http://www.irs.gov/publications/p969/index.html for lots and lots of details."

Getbidon.com is the ultimate resource for growing businesses of all sizes. The fact is, in a free market economy, if you’re not moving forward, you’re moving backward. That means YOU are under pressure to perform and produce business growth.

The real problem is everyone thinks they need a degree. A lifelong of crippling student debt is an indicator you had no business being in college. Its hard for people in America to accept that their time just isnt worth all that much.

So their programmers don't have to deal with floating point arithmetic. This is why they're so far ahead in technology!

Try to avoid actually pulling money out of your retirement savings. Not only are you paying that stiff penalty today, but you're actually stealing form your future. Many 457 plans allow you to borrow against the balance, usually up to 50% of the plan balance. I'd roll the 401k into the 457 and borrow against it if you really need the money. Borrow a little extra to help you make the first few payments if you need to.

I think you need to study the history of industrialization.  First of all, these people arent losers. They work honestly, dont commit crime.  Second, minimum wage laws come out of the history of industrialization.  The only reason we have any middle class whatsoever is because of the labor movement. Ill allow you some time to look up, as an example, coal miners strikes, or *The Jungle* by Upton Sinclaire.   Second, please take an econ course above 201. Regulation, yes, brings more business if it is correcting a market failure.  A market failure is when the private market does not produce maximum social benefit. When MPB !=MSB that is a market failure. Pb being private benefit.  Then entire field of economics is dedicated to discovering proper methods to correct market failures,  since most industries have at least some failures, in the most efficient way possible to where MPB=MSB.  Yes, regulation can bring benefit to the economy.   One great and obvious example is the regulation of lemons. Without regulation, there would be no restriction against selling disfunctional products. With widespread sale of dysfunctional products, the economy would suffer as users demand lower prices even for perfectly good products, because they cannot know whether it is a lemon. This is just one example of a regulation against business benefiting the economy.   Once you have done educated yourself, Im happy to continue this discussion on a rational footing.

It's scary how many of these I used. Today.  Most of that is crap, but many of the buzz words have real, quite useful concept behind them. It's the people who think that just using the words is enough who give them the almost curse word status they have.

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