Ignore sunk costs and look to future returns.  Although it feels like a loss to exit an investment from a loss position, from a financial standpoint you should ignore the purchase price.  If your money could be better invested somewhere else, then move it there. You shouldn't look at it as though you'll be more financially secure because you waited longer for the stock to reach the purchase price.  That's psychological, not financial. Some portion of your invested wealth is stuck in this particular stock.  If it would take three months for the stock to get back to purchase price but only two months for an alternate investment to reach that same level, then obviously faster growth is better.  Your goal is greater wealth, not arbitrarily returning certain investments to their purchase price. Investments are just instrumental.  You want more wealth.  If an investment is not performing, then ignore purchase price and sunken costs.  Look at the reasonable expectations about an investment going forward.


That's exactly my predicament at this moment. I checked out both iPhone 5 and gs3 side by side and gs3 loses hands down. The only thing it has is size and it's a bit too big for me. But the iPhone has a dated OS and looks like a remote control.   No such thing as perfect phone for consumers such as I. Ideal would be a 4.5-5in thin bezel or no bezel screen that is wider than iPhone, iPhone build and image quality, with coolness of android OS.   Doesn't seem like a lot to ask for. But gs3 feels cheap. Nexus is going to come slightly dated, and software updates are hit or miss.


Why?  I fly on a regular basis and I've never had a single issue with TSA agents.  With the new machines, going through security is fast, effective, and painless.  The stories you see on the internet are almost always from someone who purposely created a confrontation because they already had an agenda to prove.


"Say you need to use Einstein's field equations at work. If your job is to find the ""one equation to rule them all"" than you should ask questions concerning the validity of the equations and try to unify them in the quantum realm. But like most of us, if your job is find tune the many knobs that govern the output, you don't need to use math beyond what is already packaged in libraries. You still need to know what the equations are and what they do, but your interaction with them on a daily basis is call function X on object Y."


I was a involved in this same scam from my Craigslist item.  The buyer texted me & said his assistant put the wrong check in my envelope & please let him know when I got it,cash the cashiers check, keep my part for money of my item & send him back the difference. Well, the check came to me for $1,350.00 for a $100 item.  I immediately suspected something here.  It was for way to big to be a mistake.  I called the credit union in California to ask about this cashier's check & sure enough, they said it was a fake check.  This scammer's phone he texted from was from a San Antonio,TX area code, the check was mailed from Madison, WI, & the check was on a California CU.  They sure cover their tracks pretty good.  So C/L'ers.....BEWARE! don't take checks for more than the amount & be asked to send back the difference. You will be HAD!


But the problem I have with that is when times change, business models should too. Companies can't cling to past plans when the market changes and expect to keep making money. Successful companies constantly adapt and change. Corporations shouldn't be suing their customers when their products are failing. They should be figuring out what has changed about the market and adapting their products to entice customers to buy again.


"Others have mentioned the term fiduciary but haven't really gone in to what that is. Despite the name ""financial advisor"" there is no legal (In the US) mandate as to what that means.  Often times a financial advisor is little more than a sales rep whose job it is to sell particular financial instruments.  These people will give you good generic advice such as ""make sure you have a nest egg"" and ""don't spend more than you make"".  However when the rubber hits the road in terms of how to save they will often recommend/insist/pressure a particular asset/security which doesn't necessarily meet your risk/reward preference/tolerance.  Often times the assets they pitch have high fees.  These people won't charge you for their time because their time is a loss leader for the commissions they make on selling their products. In contrast a fiduciary's job responsibility is to look out for your interests.  They shouldn't receive any kind of payment based on what assets you buy.  This means that you have to pay them for their time. The NAPFA website seems to have good ideas on choosing an advisor. http://www.napfa.org/HowtoFindAnAdvisor.asp"


Underwriters get blamed for underpriced IPOs, management for overpriced. People tend to target their opprobrium at whomever benefits the most, whether that opprobrium is fair or not. Kind of silly because the real discussion should be about how to find a new way of doing IPOs that actually works.


"What you are looking for is an indicator called the ""Rate of Change (Price)"". It provides a rolling % change in the price over the period you have chosen.  Below is an example showing a price chart over the last 6 months with a 100 day Rate of Change indicator below the price chart."


I'm a professional developer (10+ years experience) and he's dead on correct. No one gives a shit if you have a 4 year degree unless you are striving for one of the top companies and even then, you could job hop to one of those after your first job.


Exactly; it also really rubs me the wrong way when people pitch just throwing everything in an s&p 500 vanguard fund, and pretend like thats a diversified portfolio.  Bonus points if they make this pitch to someone 5 years from retirement.


Have a beef with your proof... measuring at the county level is misleading. Baltimore county has some wealthy areas. It goes all the way up to the state line. There's plenty of more affluent pockets included in that.  Same is true for Detroit, Wayne county includes many affluent areas.  Rural counties however tend to be isolated and more uniform. If you're looking in Owsley Kentucky (poorest county per that article)... it's not really near anything resembling a major commerce area and there's no pockets of higher-value homes hidden anywhere like you find around major metro areas...


Maybe. As other have said, doing this deliberately is fraud, but almost impossible to prove unless you've lied on the loan documents or discussed your plans with witnesses. The lender may consider negotiating a partial write-down of the loan, but that is far from their only option. Depending on the details of the loan agreement they may be able to garnish your wages, seize your property, or walk into your business with a sheriffs' deputy and empty your cash register. They may also be able to add their costs for recovering the money to your debt.


First, some general advice that I think you should consider A good rule of thumb on home buying is to wait to buy until you expect to live in the same place for at least 5 years. This period of time is meant to reduce the impact of closing costs, which can be 1-5% of your total buying & selling price. If you bought and sold in the same year, for example, then you might need to pay over 5% of the value of your home to realtors & lawyers! This means that for many people, it is unwise to buy a home expecting it to be your 'starter' home, if you already are thinking about what your next (presumably bigger) home will look like. If you buy a townhouse expecting to sell it in 3 years to buy a house, you are partially gambling on the chance that increases in your townhome's value will offset the closing costs & mortgage interest paid. Increases in home value are not a sure thing. In many areas, the total costs of home ownership are about equivalent to the total costs of renting, when you factor in maintenance. I notice you don't even mention renting as an option - make sure you at least consider it, before deciding to buy! Also, don't buy a house expecting your life situation to 'make up the difference' in your budget. If you're expecting your girlfriend to move in with you in a year, that implies that you aren't living together now, and maybe haven't talked about it. Even if she says now that she would move in within a year, there's no guarantee that things work out that way. Taking on a mortgage is a commitment that you need to take on yourself; no one else will be liable for the payments. As for whether a townhouse or a detached house helps you meet your needs better, don't get caught up in terminology. There are few differences between houses & townhomes that are universal. Stereotypically townhomes are cheaper, smaller, noisier, and have condo associations with monthly fees to pay for maintenance on joint property. But that is something that differs on a case-by-case basis. Don't get tricked into buying a 1,100 sq ft house with a restrictive HOA, instead of a 1,400 sq ft free-hold townhouse, just because townhouses have a certain reputation. The only true difference between a house and a townhouse is that 1 or both of your walls are shared with a neighbor. Everything else is flexible.


Appreciate the good back and forth. I only did equity for a brief while before I moved to emerging market debt. I can go across capital structure but we don't spend much time on retail outside of China. I think EBITDA or an adjusted NI makes a lot more sense than FCF for Amazon, and nowadays, FCF is ALL that I use for valuation in EM debt world.


By rounding my house payments up to the nearest $50.00, my 30 year mortgage was paid off in 7 years.  Initially, my mortgage payment was roughly $600, $50 going to principal and $550 going to interest (banker's profits). By paying $650, I was actually doubling the amount I was paying on principal.  Since interest is computed as a function (percentage) of the outstanding principal balance, the amount of my fixed payment that went to interest decreased each month, and the amount that went to principal increased. In 7 years I owned my home free and clear, and started putting the money I had been putting into the mortgage payments into investments. A rule of thumb I have discovered is that it takes half the time to save money to meet a goal that it takes to pay off the same debt.


You should consider going to take an aptitude test. It might help you figure out and focus on a new direction to take your life.


If by exempt, you're just referring to the fact that the income is less than your standard deduction and personal exemption, then yes, that money can be used to fund a Roth. Great time to do it.  To be clear, in 2014 the limit for an under 50 year old, is $5500 ($6500 if 50 or older). Only earned income may be used for deposits. No interest, dividends, etc.


"You have several issues at work. If in the next few years you have a leak in the roof that causes another insurance claim, they may decide not to cover it because they already paid you to replace the roof, and it is your fault that it wasn't. That might also mean they don't pay you for the stuff that is damaged because of the ""new"" leak. If you minimize the claim that may make it less likely that they will drop you in the future, or increase you rate next year. But if you don't return the excess funds they will evaluate you on the larger claim size. Of course if they are sending the money directly to the repair company they will only pay the bill up to a maximum amount. Usually the issue has been that the repair company wants to do a larger repair. The dispute resolves around some aspect of the building code. I had a car repair that had to be increased because the roof damage was within x inches of the windshield, so the windshield had to be replaced. The insurance company eventually agreed but it slowed down the process for a couple of days because they wanted to measure it. It is possible that the insurance company has rules related to the age of the roof and the amount of damage that triggers a total replacement."


The benefit is that those people make a decent living. The store manager makes like 70k starting, with raises every year until you hit 104k. The cashiers make like $20 an hour. Downside is they basically own you, but the money is good.   Source: interviewed for a position out of college


"I want to elaborate on some of the general points made in the other answers, since there is a lot that is special or unique to the biotech industry. By definition, a high P/E ratio for an industry can stem from 1) high prices/demand for companies in the industry, and/or 2) low earnings in the industry. On average, the biotech industry exhibits both high demand (and therefore high prices) and low earnings, hence its average P/E ratio. My answer is somewhat US-specific (mainly the parts about the FDA) but the rest of the information is relevant elsewhere. The biotech industry is a high-priced industry because for several reasons, some investors consider it an industry with significant growth potential. Also, bringing a drug to market requires a great deal of investment over several years, at minimum. A new drug may turn out to be highly profitable in the future, but the earliest the company could begin earning this profit is after the drug nears completion of Phase III clinical trials and passes the FDA approval process.  Young, small-cap biotech companies may therefore have low or negative earnings for extended periods because they face high R&D costs throughout the lengthy process of bringing their first drug (or later drugs) to market. This process can be on the order of decades. These depressed earnings, along with high demand for the companies, either through early investors, mergers and acquisitions, etc. can lead to high P/E ratios.  I addressed in detail several of the reasons why biotech companies are in demand now in another answer, but I want to add some information about the role of venture capital in the biotech industry that doesn't necessarily fit into the other answer. Venture capital is most prevalent in tech industries because of their high upfront capital requirements, and it's even more important for young biotech companies because they require sophisticated computing and laboratory equipment and highly-trained staff before they can even begin their research. These capital requirement are only expected to rise as subfields like genetic engineering become more widespread in the industry; when half the staff of a young company have PhD's in bioinformatics and they need high-end computing power to evaluate their models, you can see why the initial costs can be quite high. To put this in perspective, in 2010, ""venture capitalists invested approximately $22 billion into nearly 2,749 companies."" That comes out to roughly $7.8M per company. The same year (I've lost the article that mentioned this, unfortunately), the average venture capital investment in the biotech industry was almost double that, at $15M. Since many years can elapse between initial investment in a biotech company and the earliest potential for earnings, these companies may require large amounts of early investment to get them through this period. It's also important to understand why the biotech industry, as a whole, may exhibit low earnings for a long period after the initial investment. Much of this has to do with the drug development process and the phases of clinical trials. The biotech industry isn't 100% dedicated to pharmaceutical development, but the overlap is so significant that the following information is more than applicable. Drug development usually goes through three phases: Drug discovery - This is the first research stage, where companies look for new chemical compounds that might have pharmaceutical applications. Compounds that pass this stage are those that are found to be effective against some biological target, although their effects on humans may not be known. Pre-clinical testing - In this stage, the company tests the drug for toxicity to major organs and potential side effects on other parts of the body. Through laboratory and animal testing, the company determines that the drug, in certain doses, is likely safe for use in humans. Once a drug passes the tests in this stage, the company submits an Investigational New Drug (IND) application to the FDA. This application contains results from the animal/laboratory tests, details of the manufacturing process, and detailed proposals for human clinical trials should the FDA approve the company's IND application.  Clinical trials - If the FDA approves the IND application, the company moves forward with clinical trials in human, which are themselves divided into several stages. ""Post-clinical phase"" / ongoing trials - This stage is sometimes considered Phase IV of the clinical trials stage. Once the drug has been approved by the FDA or other regulatory agency, the company can ramp up its marketing efforts to physicians and consumers. The company will likely continue conducting clinical trials, as well as monitoring data on the widespread use of the drug, to both watch for unforeseen side effects or opportunities for off-label use. I included such detailed information on the drug development process because it's vitally important to realize that each and every step in this process has a cost, both in time and money. Most biopharm companies won't begin to realize profits from a successful drug until near the end of Phase III clinical trials. The vast R&D costs, in both time and money, required to bring an effective drug through all of these steps and into the marketplace can easily depress earnings for many years.  Also, keep in mind that most of the compounds identified in the drug discovery stage won't become profitable pharmaceutical products. A company may identify 5,000 compounds that show promise in the drug discovery stage. On average, less than ten of these compounds will qualify for human tests. These ten drugs may start human trials, but only around 20% of them will actually pass Phase III clinical trials and be submitted for FDA approval. The pre-clinical testing stage alone takes an average of 10 years to complete for a single drug. All this time, the company isn't earning profit on that drug. The linked article also goes into detail about recruitment delays in human trials, scheduling problems, and attrition rates for each phase of the drug development process. All of these items add both temporal and financial costs to the process and have the potential to further depress earnings. And finally, a drug could be withdrawn from the market even after it passes the drug development process. When this occurs, however, it's usually the fault of the company for poor trial design or suppression of data (as in the case of Vioxx). I want to make one final point to keep in mind when looking at financial statistics like the P/E ratio, as well as performance and risk metrics. Different biotech funds don't necessarily represent the industry in the same way, since not all of these funds invest in the same firms. For example, the manager of Fidelity's Select Biotechnology Portfolio (FBIOX) has stated that he prefers to weight his fund towards medium to large cap companies that already have established cash flows. Like all biopharm companies, these firms face the R&D costs associated with the drug development process, but the cost to their bottom line isn't as steep because they already have existing cash flows to sustain their business and accumulated human capital that should (ideally) make the development process more efficient for newer drugs.  You can also see differences in composition between funds with similar strategies. The ishares Nasdaq Biotech Index Fund (IBB) also contains medium to large cap companies, but the composition of its top 10 holdings is slightly different from that of FBIOX. These differences can affect any metric (although some might not be present for FBIOX, since it's a mutual fund) as well as performance. For example, FBIOX includes Ironwood Pharmaceuticals (IRWD) in its top 10 holdings, while IBB doesn't. Although IBB does include IRWD because it's a major NASDAQ biotech stock, the difference in holdings is important for an industry where investors' perception of a stock can hinge on a single drug approval. This is a factor even for established companies. In general, I want to emphasize that a) funds that invest more heavily in small-cap biotech stocks may exhibit higher P/E ratios for the reasons stated above, and b) even funds with similar mixes of stocks may have somewhat different performance because of the nature of risk in the biotech industry. There are also funds like Vanguard's Healthcare ETF (VHT) that have significant exposure to the biotech industry, including small-cap firms, but also to major players in the pharmaceutical market like Pfizer, Johnson and Johnson, etc. Since buyouts of small-cap companies by large players are a major factor in the biotech industry, these funds may exhibit different financial statistics because they reflect both the high prices/low earnings of young companies and the more standard prices/established earnings of larger companies.  Don't interpret anything I stated above as investment advice; I don't want anything I say to be construed as any form of investment recommendation, since I'm not making one."


"Does this make sense to anyone? It estimated hes made 300 mil in the last fight but lets say its a conservative 100 mil. 4% in the market after inflation is 4mil a year. If it was the 300 mil then it'd be 12 mil hes giving up. Probably more. And that's just the first year, not compounded.       So he expects me to believe that he's making ""smart investments"" in his strip club but not putting the money in the market. This makes zero sense."


"> The system is designed...  Wouldn't that be more ""The union is designed...""? Why not just end the union's contract entirely and hire from outside the union? Or find a different union to negotiate with? Maybe someone wants to form a union of ""teachers who want to teach"" that focuses on job security for the best teachers, not the longest serving.  I mean... If I was negotiating for myself, I'd want merit based pay increases rather than seniority based. I'd probably also be asking that my health benefits be the same as the district administration. I might ask for a clause saying that I can't be fired unless all worse performing teachers have already been fired. (yeah... about measuring that... haven't figured that out yet.) I might also ask for some sort of third party policy for representation in the event that there's a need to lawyer up under circumstances where a conflict of interest exists between myself and the district.  (the last of those -- the lawyer issue -- I've been told by at least one teacher that they feel that's the primary service the union provides. They hate the contract negotiations because they always seem to go to threats to strike before being resolved.)  I guess it just seems weird to me that, once a union has formed, the union has a monopoly on providing the services. You'd think that some could join the union, while others could choose to operate independently. If the advantages of being in the union outweigh the advantages of being independent, then you'd expect everybody to join. A 51% vote to unionize seems like a terrible reason to bring the rest of the employees (and any new hire) along for the ride. It should be an individual's choice to be represented by the union and whether to accept the union terms or negotiate on their own."


So I liked the source. Biased and outdated on a lot of things, but still very informative. I will concede that FDA regulations are far from infallible, and deserve to be loosened and the process expedited. THAT BEING SAID: the discussion wasn't whether that was the case. It was whether the FDA is the cause of high drug prices. This site did not to my knowledge make that case (at least for the present time period it didn't).   https://www.washingtonpost.com/news/wonk/wp/2015/02/11/big-pharmaceutical-companies-are-spending-far-more-on-marketing-than-research/ Here we see that the companies spend a lot more on marketing than they do on R&D (of which FDA compliance is just a small part). Furthermore, assuming that they'd still be doing SOME SORT of testing themselves, they wouldn't save the full costs from reducing FDA regulations. They'd also have to spend even MORE on marketing to deal with the increased competition (we're talking pharma girls for dayzzzz).  The problem with the free market solution is that the drug companies end up getting politicians to shill out to protect them from legal harm. As governor of Indiana Mike Pence, signed a “right-to-try” law, which absolves drug makers of legal responsibility for hawking untested nostrums at terminally ill patients.  Okay, so now the onus is on the doctors. Well that's barely any better, because doctors are individuals with very little free time, and with so many new drugs coming out and no way for the doctors to test them, they just have to take the drug company's word for them. In other words, **the drug company isn't liable, the doctor is. And the doctor has no way of knowing whether the drug company is being forthright until it's too late for both the doctor and the patient**. Laws like this Mike Pence law weren't around when that site was publishing.


I really doubt that this is an idea the people who own the working machines can get behind.    Also machines taking away work is an illusion. It just changes what work is. I would argue guaranteed income is less important than the means (whatever they may be) for the workforce to effectively train or retrain for what's needed. That said I also feel that people use the term work and 'what makes money' interchangeably and it seems that this is changing.


McGinger, is the top web design company in Bermuda provides a range of designing services including brand identity, logo design, graphic design, web design. We also provide web development services with creative ideas. Call us at (441)5992807 for more info!


Unlike MasterCard and Visa who only provide clearing service and tie up Banks to actually issue cards or POS terminals for merchants; Discover card operates more like American Express. It's a totally different network; cards and POS to merchants are directly offered by Discover Bank only. There is no other banks that issue this card.


"On your tax return's Schedule C, Line B, you need to enter the Principal Business or Professional Activity Code that corresponds to your business's activities.  There is a list of these 6-digit codes  at the end of the Schedule C instructions.  (HTML version here, or you can look at the last two pages of the PDF version.)  The directions at the top of this list reads: Select the category that best describes your primary business activity (for example, Real Estate). Then select the activity that best identifies the principal source of your sales or receipts (for example, real estate agent). Now find the six-digit code assigned to this activity (for example, 531210, the code for offices of real estate agents and brokers) and enter it on Schedule C or C-EZ, line B.  (Emphasis mine.) Although there are a lot of codes, it is entirely possible that you won't find one that exactly matches what you do.  The directions say to pick the ""best"" one that you can.  First, pick the broad category.  You haven't specified your business, but let's say that you are a freelance programmer (a common occupation for Stack Exchange users).  The category you decide is best might be ""Professional, Scientific, & Technical Services.""  There are several subcategories and activity codes under this, and you might find one that fits your business.  However, if you don't, at the end of most categories, there is an ""Other"" code.  For our example, there is code 541990, which is ""All other professional, scientific, & technical services."" If you can't even find a broad category that describes your business, there is the last code in the list: 999999, which is for ""Unclassified establishments (unable to classify)."""


"#####&#009;  ######&#009;  ####&#009;  [**Gini coefficient**](https://en.wikipedia.org/wiki/Gini%20coefficient): [](#sfw)   ---  >The __Gini coefficient__ (also known as the __Gini index__ or __Gini ratio__) (/dʒini/) is a [measure of statistical dispersion](https://en.wikipedia.org/wiki/Statistical_dispersion#Measures_of_statistical_dispersion) intended to represent the income distribution of a nation's residents. This is the most commonly used measure of inequality. The coefficient varies between 0, which reflects complete equality and 100 (or 1), which indicates complete inequality (one person has all the income or consumption, all others have none). It was developed by the [Italian](https://en.wikipedia.org/wiki/Italian_people) [statistician](https://en.wikipedia.org/wiki/Statistics) and [sociologist](https://en.wikipedia.org/wiki/Sociology) [Corrado Gini](https://en.wikipedia.org/wiki/Corrado_Gini) and published in his 1912 paper ""Variability and Mutability"" ([Italian](https://en.wikipedia.org/wiki/Italian_language): *Variabilità e mutabilità*).    >====  >[**Image from article**](https://i.imgur.com/MegIoFt.png) [^(i)](https://commons.wikimedia.org/wiki/File:Economics_Gini_coefficient2.svg)  ---  ^Interesting: [^List ^of ^countries ^by ^income ^equality](https://en.wikipedia.org/wiki/List_of_countries_by_income_equality) ^| [^List ^of ^U.S. ^states ^by ^Gini ^coefficient](https://en.wikipedia.org/wiki/List_of_U.S._states_by_Gini_coefficient) ^| [^Income ^inequality ^metrics](https://en.wikipedia.org/wiki/Income_inequality_metrics) ^| [^Economic ^inequality](https://en.wikipedia.org/wiki/Economic_inequality)   ^Parent ^commenter ^can [^toggle ^NSFW](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot NSFW toggle&message=%2Btoggle-nsfw+cjecrpk) ^or[](#or) [^delete](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot Deletion&message=%2Bdelete+cjecrpk)^. ^Will ^also ^delete ^on ^comment ^score ^of ^-1 ^or ^less. ^| [^(FAQs)](http://www.np.reddit.com/r/autowikibot/wiki/index) ^| [^Mods](http://www.np.reddit.com/r/autowikibot/comments/1x013o/for_moderators_switches_commands_and_css/) ^| [^Magic ^Words](http://www.np.reddit.com/r/autowikibot/comments/1ux484/ask_wikibot/)"


There is no way to find out what future will be if you have only quote from past. In other words, nobody is able to trade history successfully and nobody will be able, ever. Quote's movement is not random. Quote is not price. Because brokerage account is not actual money. Any results in past do not guarantee you anything. Brokerage accounts should only have portions of money which you are ready to loose completely. Example: Investment firms recommended buying falling Enron stocks, even when it collapsed 3 times, then - bankrupt, suddenly. What a surprise!


My job cut everyone's hours to 30 (it was 40-45) so they could avoid it. Luckily I'm still under 25 so I'm able to get under my dads health plan. I'll be over the age limit next December so I plan on picking up a side gig. Maybe she can consider her parents plan or a side gig?  Sorry to hear about her predicament. It's a funked up situation.


"The market will always be efficient. What they forgot in 1999 is that gold prices had been going down for several years and therefore stock prices were going up, but no trend lasts forever.  The ""dot com"" boom was not a result of magic new technologies, it was the result of the end of the Cold War when people started getting rid of their gold reserves."


I've never forgotten mine either, but it's a constant fear for me. Couple of friends of mine have. I honestly don't know which machines beep and which don't, but I've heard of people forgetting their cards in ATMs, cigarette vending machines, train ticket machines, McDonald's express order machines and some others I can't remember. The screen of these machines always reminds you, and I think it's hard to forget it, but evidently it does happen.   I still use my cards, it's not like I have a crippling fear every time I use it, I just made a habit of always carrying cash and using it for small stuff. I live in Germany, cash is (still?) Accepted everywhere.


"You can greatly reduce the risk if you can line up a buyer prior to purchasing the car.  That kind of thing is common in business, one example is drop shipping.  Also there are sales companies that specialize in these kinds of things bringing manufacturers of goods together with customers.  The sales companies never take delivery of the product, just a commission on the sales.   From this the manufacturers are served as they have gained a customer for their goods.  The buying company is served as they can make a ""better"" end product.  The two parties may have not been brought together had it not been for the sales company so on some level both are happy to pay for the service. Can you find market inequalities and profit from them?  Sure.  I missed a great opportunity recently.  I purchased a name brand shirt from a discount store for $20.  Those shirts typically sell on ebay for $80.  I should have cleaned out that store's inventory, and I bet someone else did as by the time I went back they were gone.   That kind of thing was almost risk-less because if the shirts did not sell, I could simply return them for the full purchase price.  That and I can afford to buy a few hundred dollars worth of shirts. Can you afford to float 45K CDN?  What if it takes a year to sell the car?  What if the economy goes sour and you are left ""holding the bag""?  Why are not car dealers doing exactly what you propose? Here in the US this type of thing is called ""horse trading"" and is very common.  I've both lost and made money on these kind of deals.  I would never put a significant amount of my net worth at risk."


If this is a one to one share exchange with added cash to make up the difference in value, you're getting 1 share of XYZ plus $19.20 in cash for each share of ABC.   They calculated the per share price they're offering ($36) and subtracted the value of XYZ share at the time of the offer ($16.80) to get the cash part ($19.20).   The value of XYZ after is subject to investor reaction.  Nobody can accurately predict stock values.  If you see the price dropping, owners of XYZ are selling because they feel that they no longer wish to own XYZ.  If XYZ is rising, investors feel like the merger is a positive move and they are buying (or the company is buying back shares). Bottom line is the cash is a sure thing, the stock is not.  You called it a merger, but it's actually a takeover.  My advice is to evaluate both stocks, see if you wish to continue owning XYZ, and determine whether you'd rather sell ABC or take the offer.  The value of ABC afterwards, if you decline the offer, is something that I cannot advise you on.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-06-06/are-low-interest-rates-bad-for-growth) reduced by 83%. (I'm a bot) ***** > James Chessen, the chief economist of the American Bankers&#039; Association, said in a June 5 interview, &quot;Interest rates have been too low for too long. It has created a problem for banks.&quot; The Independent Community Bankers of America, which represents smaller U.S. banks, believes that &quot;Higher interest rates would be a net plus for the community banking sector that would help them extend more credit,&quot; according to spokesman Paul Merski.  > Officials at the European Central Bank and the Bank of Japan are sensitive to the side effects of extremely low or even subzero interest rates.  > In a May 24 speech in Madrid, ECB President Mario Draghi acknowledged that low policy rates &quot;May compress banks&#039; net interest margins and thus exert pressure on their profitability.&quot; But he said that ECB researchers found that taking into account offsetting beneficial effects, &quot;The overall impact of our measures on bank profitability was positive.""   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6fodm5/is_the_world_overdoing_low_interest_rates/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~138044 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **bank**^#1 **rate**^#2 **interest**^#3 **Low**^#4 **Calomiris**^#5"


check out this rebuttal to the TechCrunch article from Leigh Drogen: http://www.leighdrogen.com/wealthfront-betterment-sigfig-and-a-bankrupt-investing-philosophy/  It's not so much the software piece he takes aim at but what he calls a broken philosophy. Saving money off fees and automating the investing process to prevent behavioral biases is all good but it's not a solution.


One advantage of paying down your primary residence is that you can refinance it later for 10-15 years when the balance is low. Refinancing a rental is much harder and interest rates are often higher for investors. This also assumes that you can refinance for a lower rate in the nearest future. The question is really which would you rather sell if you suddenly need the money? I have rental properties and i'd rather move myself, than sell the investments (because they are income generating unlike my own home). So in your case i'd pay off primary residence especially since the interest is already higher on it (would be a harder decision if it was lower)


I'm literally employed by a multinational company to find ways to pay less tax, so I know first hand how it works. Trumps job isn't to write the legislature, his job is to sell people on it. He starts out at 15% knowing full well that the left will want it higher and will have to negotiate with 15% as a starting point.   Edit: tax reform is coming, regardless of how much the left is gonna make this about benefiting the rich and taking from the poor. Idk about you but personally I'd like to pay less tax and have more disposable income...but that's just me


"It could be money laundering. so: Answer 1: They didn't get your data wrong. They indeed sent you $1,000. How they obtained your banking data is another issue we won't address here. Answer 2: Your PII(*) was most likely compromised. From what you report, it included at least your banking info and your phone number. Probably more, but goes out of the scope of this answer.  Answer 3: Money Laundering is done in small transactions, to avoid having the financial institution filing a Currency Transaction Report(**). So they send $1,000 to several marks. Possibly at the stage of layering, to smudge out the paper trail associated to the money. Money laudering is a risky endeavour, and the criminals don't expect to have all the money they enter into the system come out clean on the other side. You really don't want to be associated with that cash, so the best is to report to your bank that you don't recognize that transaction and suspect illegal activity. In writing. Your financial institution knows how to proceed from there. Answer 4: Yes, and one of the worst financial scams. From drug trafficking, to human slavery and terrorism, that money could be supporting any of these activities. I urge the reader to access the US Treasury's ""National Money Laudering Risk Assessment"" report for more information."


DO NOT GIVE ME GODDAMN FUCKING SLOGANS. DO NOT GIVE ME TIRED ANALOGIES.  I asked for a plan, what do you do with a known disadvantaged minority.   As an aside, a shitload, in fact most of the people on fucking assistance do work asshole. I've been one of them. So, give me a solid start to a plan, you have a disadvantaged minority, already existing in poverty, sometimes with unemployment levels as high as 24% for the male population. How do you assist these people?  Edit: I in fact agree just handing people free shit won't work, but since the political options appear to be free shit or fuck off and die, I'll gladly vote for free shit for myself and my neighbors until somebody presents a decent plan.


you dont need any permits or be inside the US to trade the exact same securities on US exchanges. you can literally move your bitcoin from a chinese exchange to us exchange in seconds.  i don't see how you can possibly run into legal issues if anyone from outside the country can trade bitcoins on an exchange inside the country without any permit. a lot of these exchanges dont ask for ID or social security number anyways. none of it is government regulated. also trading anything is never a passive income. theres no such thing as an easy or obvious investment. there are always risks- and the actual risk is often deceivingly low


even in Bloomberg intraday data you're limited to 140days. If you want more you need cash, a lot of cash. Just the sheer size of data is ridiculous. Unless you're Blackrock or some big firms like that then probably can't afford to buy it and store it - it won't fit on one Excel file haha


>Your analogy breaks down by attempting to draw a parallel between the behaviour of a child and that of a corporation.  Your objections are irrelevant. The point is that the person requesting a thing is self-serving. The person in charge of allowing the request is supposed to be the responsible party as it is assumed that the person asking is self-serving.   >Asking and paying for are two different things in my mind.  Paying is bribery. Are you suggesting that the legislators & regulators are being bribed?   >I don't recall absolving legislators from responsibility. They're just as dirty and corrupt.  And yet ***THEY*** have the power to change a regulation or tax law, not the lobbyists, so ***THEY*** are the ones responsible for the problem, not the lobbyists or corporations.


If you're taking a Terminal DCF, you shouldn't be using 1-year risk free rates, so the 2.77% is probably much more accurate. That being said, we're in a historically low-rate environment, so even the 2.77% is probably a bit low.   Here's another data point that puts the WACC at 8%:  [http://www.wikiwealth.com/wacc-analysis:mcd](http://www.wikiwealth.com/wacc-analysis:mcd)


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


Sap just developed a fraud detection module for their ERP suite in conjuction with EY. It offers live fraud scanning so you can stop a flagged transaction before a transfer is carried out.  I saw a presentation an it looks pretty powerfull although it is only in the early stages.


1) Yes, buyouts are always higher than the trading price. 2) ANYTHING can be negotiated. There is no rule saying buyouts have to be higher.


"Taxes are triggered when you sell the individual stock.      The IRS doesn't care which of your accounts the money is in.  They view all your bank and brokerage accounts as if they are one big account mashed together.   That kind of lumping is standard accounting practice for businesses. P/L, balance sheets, cash flow statements etc. will clump cash accounts as ""cash"".  Taxes are also triggered when they pay you a dividend.  That's why ETFs are preferable to mutual funds; ETFs automatically fold the dividends back into the ETF's value, so it doesn't cause a taxable event.  Less paperwork.  None of the above applies to retirement accounts.  They are special.  You don't report activity inside retirement accounts, because it would be very hard for regular folk to do that reporting, so that would discourage them from taking IRAs.   Taxes are paid at withdrawal time (or in Roth's, never.)"


"As reported by ZeroHedge in January 2016:   ""While the media claims that this record has been reached because of drastic improvements to the US economy, they are once again failing to account for the central factor: credit expansion.""   ""In order to generate more vehicle purchases, these companies have incentivized consumers with hot, hard-to-resist offers, similar to the infamous “liar loans” and “no-money down” loans of the 2008 recession.""   http://www.zerohedge.com/news/2016-01-11/auto-loan-bubble-ready-pop.   Pro tip: Get your news over 1 year in advance by reading ZeroHedge and not shitty Bloomberg or other lamestream media."


A good chunk of it is going into new construction, campus improvements, and infrastructure. If they cut that crap out then I bet costs would actually decline year over year for a little while.  It's stupid - they all get their college rankings and a good part of that is how nice their campus/facilities are. Easy way to boost that is just raise tuition, build new shit.


Does your employer offer direct deposit?  Can you deposit to more than one account? Personally, I have my pay split up like this via direct deposit: From an early age I found that separating my expenses from my spending money kept me inside my spending limits and kept my savings on track.  In fact, checking account 1 and 2 are at two different banks. Get yourself a credit card to start establishing some credit.  Make a payment plan for the student loan, but before focusing completely on repaying it start to establish an emergency fund.


open a bank account  under the business name and put tthe money in there  You can probably simply speak to the banker about having a business account and  setting aside money for taxes,, etc  no rocket science there  just don't  lie about  your income is most important,   or many  It's not how much you make its how much you deposit in a bank, that's the first thing   the tax man might look at IMO


An education. A new car. Houses are made bigger so that's not really fair. An article on here previously mentioned someone paying for a dependable car and a small apartment, along with school tuition working part time as a dishwasher.  Tuition at my closest state school (in state cost) is just under $9k per year. If you could only work 20 hours per week, amortized the school loan, payed $250 a month for an apartment with a roommate, $100 a month for utilities, $150 a month for groceries (all very difficult to achive and be healthy), you would have to make $15.35 an hour after taxes to do it without debt. This is assuming you don't have a car.


How is this not a breach of contract? Is it just because the corporate entity you're doing business with has gone out of business? Isn't the parent company still responsible?  It seems to me that if it's not, there are a lot of ways that an unethical person / company could game the system.


Cash is king. PIN-based debit transactions are cheap. In terms of credit cards, a regular (ie. not a gold card) with no rewards has the lowest rates.  Bigger merchants with lots of card volume likely have better deals that make the differences less pronounced.


The key two things to consider when looking at similar/identical ETFs is the typical (or 'indicative') spread, and the trading volume and size of the ETF. Just like regular stocks, thinly traded ETF's often have quite large spreads between buy and sell: in the 1.5-2%+ range in some cases. This is a huge drain if you make a lot of transactions and can easily be a much larger concern than a relatively trivial difference in ongoing charges depending on your exact expected trading frequency. Poor spreads are also generally related to a lack of liquidity, and illiquid assets are usually the first to become heavily disconnected from the underlying in cases where the authorized participants (APs) face issues. In general with stock ETFs that trade very liquid markets this has historically not been much of an issue, as the creation/redemption mechanism on these types of assets is pretty robust: it's consequences on typical spread is much more important for the average retail investor. On point #3, no, this would create an arbitrage which an authorized participant would quickly take advantage of. Worth reading up about the creation and redemption mechanism (here is a good place to start) to understand the exact way this happens in ETFs as it's very key to how they work.


My graduate stipend was wage income so I could make Roth IRA contributions.   Don't lose the year; you can withdraw nominal contributions if needed.  What you choose is less important than making the contribution.


The best way is to either file a dispute (or threaten to) with their regulator. They do NOT need negative attention from a bank regulator, so it should get their attention if you show that you are aware of and willing to contact them. They take this extremely seriously.  You can figure out who the regulator is using this helpful page on the Office of Comptroller of Currency's (OCC) website. If the OCC itself regulates the bank you can file a dispute using this web page.


Yep!  The education industry has finally run into the brick wall.  They have been selling snake oil for years.  Get at Bachelors Degree and you will instantly get a great paying job.  Uh, so we crank out 5,000% more communication degrees than are needed in the real world.  The university administrators get their big fat bonuses and the port college graduate gets to find a way to payback their enormous debt.   A study came out in the 80's which identified that approximately 10% of high school graduates should go onto college with about 40% graduation rate.  The education industry has cranked the acceptance to around 75% of high school graduates with a graduation rate under 30% and over 50% of those graduating can't find jobs in their field.  I met mechanical engineer, a mathematician and a social work in the past week.  They all work at Target and trying to pay off their loans.


"I'm quite certain that the people buying ""High line condos and Ferrari sports cars"" are taking care of their eldery relatives and probably a few dozen other elderly people at a minimum.  Why do you want them to care for even more people that should have been preparing for a time when they are unwilling or unable to work any more, rather than caring for them yourself?"


There are about 250 trading days in a year. There are also about 1,900 stocks listed on the NYSE.  What you're asking for would require about 6.2M rows of data. Depending on the number of attributes you're likely looking at a couple GB of data.  You're only getting that much information through an API or an FTP.


His approval rating is within historical norms and he's on track to be among the worst presidents ever. People are just not connected to reality. I saw a lot of people saying that the pictures and videos of him looking at the eclipse were photoshopped. Nothing can or will change their minds. he will have Republican support until the entire world collapses and there are just a few months left in his term, just like Bush, who was obviously incompetent by August of his first term.


Actually that's a much better proposition to price an app. There is the fear of cannibalising your own premium offering by providing a cheaper solution that also hampers (or limits) the app experience.  You think anchoring won't happen in reverse with the lowest price point being the reference point?   Also, I as a customer will feel confused if there is a free version, a lite version, a freemium version, an ad supported version, a full version and a premium version. Keep it simple.


> is allowing one person and a computer to do the job of what used to be 5 men keeping wages down even more  That doesn't make any sense. It means you can pay the man doing the work twice his normal salary and still be paying him less than 5 people


"As I recall from the documentation presented to me, any gain over the strike price from an ISO stock option counts as a long term capital gain (for tax purposes) if it's held from 2 years from the date of grant and 1 year from the date of exercise. If you're planning to take advantage of that tax treatment, exercising your options now will start that 1-year countdown clock now as well, and grant you a little more flexibility with regards to when you can sell in the future. Of course, no one's renewed the ""Bush tax cuts"" yet, so the long-term capital gains rate is going up, and eventually it seems they'll want to charge you Medicare on those gains as well (because they can... ), soo, the benefit of this tax treatment is being reduced... lovely time to be investing, innnit?"


The SIPC would protect individual investors up to $500K for securities & cash, with a max of $250K for cash. One would receive all securities that are already in your name or in the process.   In case client money was diverted to company trades, then SIPC will investigate and try to find out how much money belonged to each customer. It would determine this on various inputs including your transaction records like money to transferred to MF Global, internal records, amongst other things. More information in the SIPC bulletin: http://www.sipc.org/Media/NewsReleases/release31Oct2011.aspx


> Not only that, but corporate subsidies and military spending far outweigh medicine expenditures  Factually not true.  Medicare/medicaid spending alone is 60%+ greater than spending on defense.  The country is going broke on medicare/medicaid, not military spending (no matter how wasteful).  Why are the major hospital networks in the US swimming in cash and seeing record profit levels, post-Obamacare passage?  Duh... excessive government spending without regard for risk or value/price is a boon to the industry, just like 'free money' was a boon to the housing market in 2004-2007.


Hmm, let's see, I always get Credit and Debit mixed up, but I'll try: Signing of the contract: Receiving 500 deposit: When you are done Accounts Receivable will have $500 (because you are owed $500), Revenue will have $1000 (because you made $1000 on an accrual basis), and Cash will have $500 (because you have $500 in your pocket).


"This chart concerns an option contract, not a stock. The method of analysis is to assume that the price of an option contract is normally distributed around some mean which is presumably the current price of the underlying asset. As the date of expiration of the contract gets closer the variation around the mean in the possible end price for the contract will decrease. Undoubtedly the publisher has measured typical deviations from the mean as a function of time until expiration from historical data. Based on this data, the program that computes the probability has the following inputs: (1) the mean (current asset price) (2) the time until expiration (3) the expected standard deviation based on (2) With this information the probability distribution that you see is generated (the green hump). This is a ""normal"" or Gaussian distribution. For a normal distribution the probability of a particular event is equal to the area under the curve to the right of the value line (in the example above the value chosen is 122.49). This area can be computed with the formula:  This formula is called the probability density for x, where x is the value (122.49 in the example above). Tau (T) is the reciprocal of the variance (which can be computed from the standard deviation). Mu (μ) is the mean. The main assumption such a calculation makes is that the price of the asset will not change between now and the time of expiration. Obviously that is not true in most cases because the prices of stocks and bonds constantly fluctuate. A secondary assumption is that the distribution of the option price around the mean will a normal (or Gaussian) distribution. This is obviously a crude assumption and common sense would suggest it is not the most accurate distribution. In fact, various studies have shown that the Burr Distribution is actually a more accurate model for the distribution of option contract prices."


"I see three areas of concern for your budget: This is way high.  I am not sure how much of a house you live in, but the total of these two numbers should be around 25% not 41%. I am a person that considers giving an important part of wealth building, and gives to my local church.  But as one other person has rightly said, this amount is irresponsible.  I am okay at 12%, but would like to see you at 10% until you are in a little better shape.   That is pretty vague for a significant portion of your income.  What makes up that other category?   You are doing pretty darn good financially, although I would like to see some contributions to investments.  I think you are kind of failing there.  Your debt management is spot on.  That is okay, we can all get better at some stuff. There needs to be some numbers behind these percentages.  The bottom line is if you make an average household income, say around 55K, you are going to struggle with or without children.  If you guys make about 110K, and your wife makes 50% of your income, and she quits work to take care of the kidlets, then you will be in that ""boat"". Having said all that I find 37% of your income as questionable.  At least 5% of that should be invested, so we are kind of like at 32%.  That is a significant amount of money."


Imagine a poorly run store in the middle of downtown Manhattan. It has been in the family for a 100 years but the current generation is incompetent regarding running a business. The store is worthless because it is losing money, but the land it is sitting on is worth millions.  So yes an asset of the company can be worth more than the entire company.  What one would pay for the rights to the land, vs the entire company are not equal.


They're mostly shitty service sector jobs who are unwilling to pay wages that match the local CPI. Just look a job page for New York City as an example. There are thousands upon thousands of open jobs, but most of them pay way too little for somebody to actually live in NYC with those wages.  I live in New Jersey and that is pretty much the case here too. Anecdotally, it seems that every restaurant or food place has a hiring sign up, but they're only paying $9.00/hour. And that is SHIT in a state where a *cheap* studio apartment is $1,200 a month. So it seems that the main reason there are so many job openings is because they are not willing to pay a wage so that people can actually afford to live around where that job is.


I'm not sure where you are from, but I'm American. I believe strongly that people should have the right to do whatever the hell they want with their body, money, etc. unless it infringes upon the rights of others. If people don't want to pay for roads because the use of the roads is not worth it to them, then they shouldn't have to because the government forces them through taxes.   Having the freedom to make a decision is always better in my mind.


I feel I should respond to you, if not only for our yin/yang similarity in names. I'm also in finance, or rather, a recent grad, and I can't help but picture you as someone who feels investment banking is the end-all career and doesn't really enjoy the industry that much in the first place. As many people mentioned before, attitude goes a long way, but I think you need to reassess whether you actually like finance or if you're in it just for the money. In either case, the motivation should already be there for you to achieve, so what's stopping you?


Trump is causing premiums to increase in the individual market by threatening to not make the cost sharing reduction payments that are outlined in the ACA. Because the insurers believe they'll be hung out to dry by the administration, they choose not to sell in those markets. This is exactly how Trump starves a dog, then says we should be a new one when the old one dies.


Haha, I used to work for a head of research whose favorite pastime seemed to be putting together these kinds of charts.  Edit: And the funny thing is people who take this chart at face value shouldn't want to short anyway - the balance sheet is going to flatline for sometime before they start letting it run off - so at most it suggests that people utilize strategies that work in sideways markets.


All corporate gains are taxed at the same rate as corporate income, for the corporate entity, so this actually can be WORSE than the individual capital gains tax rates. There are a lot of things you can do with trading certain asset classes, like opening you up to like-kind re-investment tax perks, but I can't think of anything that helps with stocks. Also, in the US there is now a law against doing things solely to avoid tax if they have no other economic purpose. So be conscious about that, you'll need to be able to rationalize at least a thin excuse for why you jumped through all the hoops.


Your last sentence is key. If you have multiple accounts, it's too easy to lose track over the years. I've seen too many people pass on and the spouse has a tough time tracking the accounts, often finding a prior spouse listed as beneficiary.  In this case, your gut is right, simpler is better.


This advice will be too specific, but... With the non-retirement funds, start by paying off the car loan if it's more than ~3% interest rate. The remainder: looks like a good emergency fund. If you don't have one of those yet, you do now. Store it in the best interest-bearing savings account you can find (probably accessible by online banking). If you wish to grow your emergency fund beyond $14-20,000 you might also consider some bonds, to boost your returns and add a little risk (but not nearly as much risk as stocks). With the Roth IRA - first of all, toss the precious metals. Precious metals are a crisis hedge and an advanced speculative instrument, not a beginner's investment strategy for 40% of the portfolio. You're either going to use this money for retirement, or your down payment fund. If it's retirement: you're 28; even with a kid on the way, you can afford to take risks in the retirement portfolio. Put it in either a targe-date fund or a series of index funds with an asset allocation suggested by an asset-allocation-suggestion calculator. You should probably have north of 80% stocks if it's money for retirement. If you're starting a down-payment fund, or want to save for something similar, or if you want to treat the IRA money like it's a down-payment fund, either use one of these Vanguard LifeStrategy funds or something that's structured to do the same sort of thing. I'm throwing Vanguard links at you because they have the funds with the low expense ratios. You can use Vanguard at your discretion if it's all an IRA (and not a 401(k)). Feel free to use an alternative, but watch the expense ratios lest they consume up to half your returns.


If you are looking lighting and sound company for your party in Northampton area. Disco Henry is the best platform for you. We provide the best sound and light equipment. If you want to Sound & Light Hire, then you can contact us at our office. When you have our company sound and lighting hire, then our professional will be available during the event?  They may get everything set up and then leave unless prior arrangements have been made.


An employer can decide that the employee funds are automatically vested. The new company could have had a more aggressive vesting schedule and grandfathered in all the employees of the company they acquired. This could have been part of the purchase negoaitaions.   I would be surprised if they did it for employees that left years ago, especially if they were beyond the return period. I wouldn't keep money in a plan with a former employer just in case it happens. Check the plan documents to see all the verbiage regarding vesting here is a paragraph from one: You will receive one year of vesting service for each calendar year   during which you complete 850 or more hours of service. Once you have   five years of service, your account is fully vested and any future   Company contributions made to your account will be immediately vested.   Full vesting also occurs at age 59½, total disability or death while   employed by the Company. If you leave the Company prior to 100%   vesting, any unvested portion of your Plan account will be forfeited.


All good points. You're right about my concern, though I like to think of it as that rather than fear, but that's immaterial.  I get the destructive destruction.  Externalities exist and should be honestly assessed but then the externalities of the interventions should also be considered, such as an incentive to automate or other potentially more destructive technologies as you mentioned.  I don't think it's unreasonable to think that ill considered regulation can create a feedback loop of interventions and responses that can severely distort a market.  I wish Public Choice theory had a little more traction than it seems to, not as a solution but as a framework for analysis.  I suppose my perspective on regulation meant to level the playing field should do just that, focus on the field, not the score.  I don't think anyone has enough understanding to be able to say what the score should be, only what they prefer it to be and I think you might appreciate the fallacy of that line of thinking.  That's an interesting example indeed.  I can see the motivation from the company but what's the burden on the municipal government?  Have they taken it upon themselves to collect these bikes from inappropriate places or something or is it just a general quality of life issue involving bikes obstructing movement?  Sounds like a classic tragedy of the commons but a lot less disruptive than others I know of.   I'll share one that you can go down the rabbit hole on if that sort of thing interests you.  Essentially, there is a bay on the Carribean coast of QR, Mexico where there is a town called Akumal.  Due to some hurricane damage some time ago, sea grass has been growing there and it has attracted green turtles to an area that one can simply walk into and 'swim with the turtles'.  Now, I'm sure I don't need to describe the various effects of overexploitation of that situation and that's exactly what's happening.  The problem is that the first 20 meters of shoreline is part of the commons so no privatization can be used to restrict access.  Add the conflicting interests of environmentalists, tourists, tour providers, hotels, and the various levels of government all within the context of Mexican politics and you can imagine the mess its created.


Work under UK umbrella company.  By this you are thinking of creating a new legal entity in UK, then its not a very great idea. There will be lot of paperwork, additional taxes in UK and not much benefit.  Ask UK company to remit money to Indian savings bank account   Ask UK company to remit money to Indian business bank account Both are same from tax point of view. Opening a business bank account needs some more paper work and can be avoided.  Note as an independent contractor you are still liable to pay taxes in India. Please pay periodically and in advance and do not wait till year end. You can claim some benefits as work related expenses [for example a laptop / mobile purchase, certain other expenses] and reduce from the total income the UK company is paying


Although the quality isn't the best a lot of those programming boot camps guarantee employment at 60k+ after. I've seen people go through them and get jobs without too much issue. I'm not saying they are great but they do help people get good paying jobs


And then no one would have heard of Netflix.  The problem wasn't Blockbuster not having the chance or technology, it didn't have the mentality and that doesn't change with company acquisitions, especially startups.  We've seen conglomerates swallow up hundreds of companies before with little to no change in the parent companies operations, they might as well have gone into a black hole.


I will assume that you are not asking in the context of high frequency trading, as this is Personal Finance Stack Exchange. It is completely acceptable to trade odd lots for retail brokerage customers. The odd lot description that you provided in your link, from Interactive Brokers is correct. But even in that context, it says, regarding the acceptability of odd lots to stock exchanges: The exception is that odd lots can be routed to NYSE/ARCA/AMEX, but   only as part of a basket order or as a market-on-close (MOC) order. Google GOOG is traded on the NASDAQ. Everything on the NASDAQ is electronic, and always has been. You will have no problem selling or buying less than 100 shares of Google.  There is also an issue of higher commissions with odd lots: While trading commissions for odd lots may still be higher than for   standard lots on a percentage basis, the popularity of online trading   platforms and the consequent plunge in brokerage commissions means   that it is no longer as difficult or expensive for investors to   dispose of odd lots as it used to be in the past. Notice what it says about online trading making it easier, not more difficult, to trade odd lots.


"Taking examples from this loosely Googled page: http://www.fundlibrary.com/features/columns/page.asp?id=14406 If you find, or calculate, the standard deviation (volatility) of the returns from your various investment classes you will find they range from low-risk (low volatility), such as Cash, to high-risk (high volatility), such as Strategic Growth.  The risk rating (volatility) is a good indicator of how reactive to market conditions your investment is likely to be.  As you can see below, from mid-2010 to mid-2011 the High Risk index performed really well, but it was also most reactive when the market subsequently turned down.  The medium risk indices performed the best over the chart period, 2010 to 2013, but it could have turned out different.  Generally, you choose your investment according to your ""risk appetite"" - how much you're willing to risk.  You might play safe with, say, 30% cash, 60% medium risk, 10% high risk.  (Then again, are you paying someone to manage cash, which you might be able to do for free in a bank?) Assuming, for a moment, European (3.) and Intnl Equity Tracker (9.) had the same medium risk profile, then holding 50% & 50% would also add some currency diversification, which is usually advisable.  However, the main choice is down to risk appetite. To address your specific question: ""my main interest for now is between Stockmarket Growth and Strategic Growth"", first thing to do is check their volatilities. For a further level of sophistication you can check how they are correlated against each other.  If they are inversely correlated, i.e. one goes up when the other goes down, then holding some of each could be a good diversification. FYI: An Introduction to Investment Theory The historical returns are important too, but the investment classes your pension fund is offering will probably be reasonably aligned on a risk-return basis.  You should check though.  I.e. do they line up on a plot of 3 year Return vs Volatility? e.g. the line through SA Cash - SA Bonds - Vol Target 20 - SA Equity.  Source"


I think he is going to snap, he has always capitulated and cracked under stress and felt no shame in declaring Bankruptcy. He lacks the moral fiber and stomach to deal with this level of stress. He will go spastic by Friday or the Military will probably put him in the Looney bin.


How so?  And yes this is a safety critical system.  It was on a switch statement and the problem was with (not)/taking the correct case, not that the input to the switch was wrong, but going to case 2 instead of case 4 given an input of 4. If you are not going to trust the compiler/cpu you may as well give up because at that point there is a semi infinite number of test cases that you'd have to perform.  It's unreasonable in that it shows lack of understanding of the problem.


Rental Cleaning–Grout cleaning is not an easy task, the only way to really get your tiles and grouting looking like new is to have it cleaned professionally.It is all too easy for your beautiful tiled flooring to become spoiled with marks and gritty grouting, which is not easy to shift.


So, my questions: Are payment cards provide sufficient security now? Yes. If so, how is that achieved? Depending on your country's laws, of course. In most places (The US and EU, notably), there's a statutory limit on liability for fraudulent charges. For transactions when the card is not present, proving that the charge is not fraudulent is merchants' task. Why do online services ask for all those CVV codes and expiration date   information, if, whenever you poke the card out of your wallet, all of   its information becomes visible to everyone in the close area? What   can I do to secure myself? Is it? Try to copy someones credit card info next time you're in the line at the local grocery store. BTW, some of my friends tend to rub off the CVV code from the cards   they get immediately after receiving; nevertheless, it could have   already been written down by some unfair bank employee. Rubbish.


I know a guy who retired with a full pension from Sears after 20 years employment. It was in 1996 and he had worked there since 1976..... when he was 15 years old.  Not sure how that would be sustainable anyway.


I was kidding.  Of course it's accurate.  Just because Romney is a bigger hypocrite doesn't mean Obama isn't one.  Google corporate lobbyists and executives in the Obama administration.  Goldman Sachs, Monsanto, JP morgan, etc etc. the list goes on. No multibillion dollar multinational is left out.


Jesus Christ, it's not just the income tax rate. It's all the other bullshit that he'd be required to provide to his employees that would reduce his net income from the business to a point that it is no longer worth his time and stress to deal with it.


One reason the product is produced this way is that they are trying to entice carnist (meat eaters) to try their product (love it) and hopefully consume less products made from the dead bodies of animals! So, companies like this are also trying to get their products put in the meat section of the grocery stores to make the choice easier.


The most depressing here in the UK is that several different think tanks have come out and categorically said that the by far the most effective tax policy is a very simple flat tax rate and high personal allowance (i.e. the threshold before you get taxed).   Getting rid of all the tax allowances and other complication would massively streamline the system and there would be huge savings. The system would be fairer and would generate more cash. However, this will never happen because it will perceived as tax break on the rich, when in reality it would be a tax increase because of the lack of tax breaks.


I have always though that the Choose to Save organization has a lot of good information. Including one on the magic of compounding


Pay attention to the guidelines for the number of questions on each topic, master the subjects that have the most questions.  IIRC, it was regulatory stuff (memorization) and value calculations/options (logic).    Memorize the stuff you have to memorize, UNDERSTAND the stuff you have to use logic to get through, so you can deal with questions as they come up.


"The entire time you've talked about cost. Changing incomes matters little if the cost scales with it. Me thinks you don't understand how a market works, even a semi-planned one. If more people make more money, the price of most goods goes up. This isn't due to real actual demand, its due to something called inflation. When the amount of money in circulation increases, we have inflation. Lets say I make 35k a year as a store clerk. Is my labor being undervalued compared to the income of a store clerk in the past? Or is the price of goods scaling faster than my income has scaled?  Simply adding more money doesn't fix anything. The price of the good or service is what matters the most. While everyone having more money is good, you can't just magically give everyone more money without the cost of goods and services rising. I imagine that if everyone suddenly were at least a millionaire, the price of a laptop would sky rocket. The cost of the laptop in parts wouldn't be that much more, but since most people would have disposable income beyond their needs some goods would then get more expensive. Once that happens, the inflation of prices starts to spread until its effects are seen across the market.  I don't think the ""fruit of my labor"" is being stolen by the ""upper class"". If anything, the fruit of my labor gets taken more and more by my own government and transferred to the lower classes more and more. I'm not rich, not even close. But I know I've had at least 15k of my income in the last 5 years taken and distributed through taxes ON my income to people that are generally unable to earn enough on their own.  If these people are the upper class, then I must be Marie Antoinette!"


First--congratulations!  I certainly wish I could create something worth buying for $1.4 million.  In addition to what @duffbeer703 recommended, consider putting some of the money in Treasury Inflation-Protected Securities (TIPS).  I second the advice on staying away from annuities as well.  @littleadv is right about certified financial planners.  A good one will put those funds in a mix of investments that minimize your potential tax exposure.  They will also look at whether you're properly insured.    Research what is FDIC-insured (and what isn't) here. Since you're still making a six-figure income in your salaried job, be sure not to neglect things like contributing to your 401(k)--especially if it's a matching one.  At your salary level, I think you're still eligible to contribute to a Roth IRA (taxable income goes in, so withdrawals are tax-free).  A good adviser will know which options are best.


Apple is on the list. The problem is the URL is not to the Forbes list but to a fluff article designed to be read in 3min (<-- just quoting the article metadata) by a 1st grader with no clue.  The real list is here: https://www.forbes.com/global2000/ and Apple is on #9 holding the place of the largest non-financial US company.


"If you can afford it, I would give her the money.  It is likely that she will not pay you back and then you would lose a friend. This friend cannot afford the car.  If you want to be a really good friend, offer different options like buying a junker until she can save up for a nicer car. Based on your comment, I am gathering the following: Sorry to beat a dead horse, but lending the money is akin to giving her the money.  So if you don't want to give it to her, then you can't lend it to her. She has ""car fever"", she thinks she cannot live her life without this car.  She can, and you know it.  In a week or two, she will have forgotten all about it. Since you cannot really say no (for whatever reason) you can ""pocket veto"" the idea through distraction.  Make her do a lot more legwork and in the end she will probably forget about it. So what I might suggest to her is that she goes to a credit union or a local bank to try for a car loan and see what they say.  You might sweeten the deal by saying they typically have lower interest rates then the place that is offering the loan now.  Alternatively you should tell her to let the car deal sit for a couple of weeks to see if you can talk them down on price.  The key is stalling, so the next shinny thing distracts her. Now the dad in me is going to come out, please consider yourself yelled at for these items: Have a nice day."


Your question implies that you are 70-1/2, and not employed by this company. (Note - if you remain employed, the mandatory distribution is delayed) The best thing to do is to open an IRA and transfer the 401(k) to it. You then have all the investing choices you can ask for including low risk gov securities, right up to high risk leveraged ETFs (don't buy those, just saying).  Make sure the transfer is direct, so no tax withholding. Make sure you request it goes to a Traditional IRA, not Roth. If you wish to transfer to Roth over time, that's another discussion.


Well, that is why I am asking questions, and seeing if there is any catch. I want to read up before I actually trade. Before I trades stocks I read for like 2 years, learning as much as I could. I am not about to jump in, but it is something I would like to trade eventually. I know I need to do my due diligence on it. The reason I came here was to get information on the topic before I decided on anything, including books and websites.


"The problem is that an injunction is like carpet-bombing.   ~~If~~ When various manufacturing industries try to use the law to protect their profits, I think what we'll see is alternate production streams pop up. If GE gets freaky about washing machine motors being produced by local 3D Printers, then hello ""make your own washing machine"" kits for 1/4 the price.   A wise manufacturing company would embrace the cottage industry - essentially make them outsourced (side-sourced?) support & repair. Then try to grab market share by making that a feature.   Adapt & survive. The painful part is that massive corporations can trundle along with poisoned business plans killing them from the inside out for *decades*"


I just installed this on my phone. It's ... *decent*. As in, I wouldn't care if I used telegram, WhatsApp, Facebook, Jabber or that if that were the only way to reach somebody.  Time to clean out my contact list. So many people from ten to twelve years ago.


Neither the left nor the right truly has ever understood what the silent majority is.  The silent majority is composed of people marginally attached to both sides of the aisle who do not give a single fuck and are just trying to live their lives.  This is where the faux outrage, the historical revisionism, the censorship, and the aggressive one-sidedness of the new alt-left falls flat,on its face with the American voter.


Nifty Tips 23 dec,stock tips 23 dec, NIFTY VIEW WITH SUPPORT AND RESISTANCE LEVEL FOR TOMORROW 23 Dec(NIFTY TREND):-Weak note opening took a u turn and closed at day high at 4734, up 41 points.Nifty has resistance level at 4801 and last resistance level at 5000.47 and support at 4602.07 and last support at 4402.87 for tomorrow Nifty.


I have been using Acemony http://www.mechcad.net/products/acemoney/ for a couple of years now and extremely happy with it. Very simple and intuitive to use. The best part is - life-long free upgrades


Shainex Packers and Movers Shainex take pride in offering great packing & moving services at reasonable prices. All our employees are well experienced, courteous and careful. We offer personalized service for any kind of relocation requirement whether it is local, Domestic, or International and we understand the importance of your belongings. Whether it is office relocation, commercial goods or household items etc, we offer safe packing and moving service. Under the supervision of our expert supervisors, we pack goods depending upon the nature of the item and use appropriate packaging material of best quality such as thermocols, cardboard sheets, gunny bags, plastic bubble sheet, cartons & wooden crates. & Plywood Box The material, which we use in our packing, is of best quality available in Packers movers


In the United States the general policy is that the IRS would consider it income when you have access to the money. I work for a company that has a contract with another company. Near the end of the year I turn in a time card that has my hours that I worked as of that date. Because they don't pay me until early January the money on the check is counted in the new year. I couldn't touch the money until they issued the check. If they had paid me on December 31st it would have counted as the old year, even if I only had a short window to have access to it before the year ended. It would even count as old year money if I held on to the December check, but didn't deposit it until March. So it would become income when you could use it. So If you could access it via a check, or debit card, or transfer it to the bank it is now income. Of course that is in the United States. You would need to see what the situation is in Singapore.... The edge cases always depend on the country.


They have not. I use to be on of those people and a friend pointed it out to me.   I did not do it all the time but often enough. Now I am much more self aware.  I do know someone who does have an impossible time eating with his mouth closed. He knows this and makes sure to never eat with co-workers.


"I was afraid of this. If you are using 12 P/Y and 12 C/Y, then your interest rate should not be divided by 12. Also, you should use ""END"" as this means monthly payments are made at the end of the month - a usual default."


"No it isn't. The argument behind the OP's post is that success is attributable to your ""luck"" to be born as a white, middle to upper class American. Even if you replace the word ""luck"" with ""random chance"" success is still far more dictated by your own actions. I have plenty of friends from high school who had far more privilege than I and have been far less successful. Our school's valedictorian was from a middle class family, but our salutatorian was poor white trash, both have become immensely rich, like sailing yacht and E-Class rich.    Something I haven't mentioned yet, I didn't figure this shit out until I was 23. It took me another two or three years to dig myself out of the hole I dug waiting around trying to get ""lucky."" If I had taken responsibility for my life at age 18, or hell at age 12 like my wife, I would be driving a god damned Lamborghini by now. Because of my own stupidity the best I'll probably do now is a M3, we'll see. I personally *love* cars, but you can insert whatever personal aspirations you have, material or otherwise, into that sentence. On that note, I don't suggest that financial success is the only kind of success. When I was younger I dreamed of moving someplace very remote and surviving off the land. It would have taken responsibility and hard work to achieve that goal, not luck.      It's best to take some responsibility for your life and stop going through it like a pinball bouncing from random event to random event. But don't do so on my account, I want you all to be successful. I want to work with people who are responsible and hard working. I want to be friends with people who are responsible and hard working. I'm proud of my friends who are more responsible and hard working than I am, not jealous."


"In your particular condition could buy the condo with cash, then get your mortgage on your next house with ""less than 20%"" down (i.e. with mortgage insurance) but it would still be an owner occupied loan.  If you hate the mortgage insurance, you could save up and refi it when you have 20% available, including the initial down payment you made (i.e. 80% LTV ratio total).  Or perhaps during the time you live in the condo, you can save up to reach the 20% down for the new house (?).  Or perhaps you can just rent somewhere, then get into the house for 20% down, and while there save up and eventually buy a condo ""in cash"" later.  Or perhaps buy the condo for 50% down non owner occupied mortgage... IANAL, but some things that may come in handy: you don't have to occupy your second residence (owner occupied mortgage) for 60 days after closing on it.  So could purchase it at month 10 I suppose.  In terms of locking down mortgage rates, you could do that up to 3 months before that even, so I've heard.   It's not immediately clear if ""rent backs"" could extend the 60 day intent to occupy, or if so by how long (1 month might be ok, but 2? dunno) Also you could just buy one (or the other, or both) of your mortgages as a 20% down conventional ""non owner occupied"" mortgage and generate leeway there (ex: buy the home as non owner occupied, and rent it out until your year is up, though non owner occupied mortgage have worse interest rates so that's not as appealing).  Or buy one as a ""secondary residency"" mortgage?  Consult your loan officer there, they like to see like ""geographic distance"" between primary and secondary residences I've heard. If it's HUD (FHA) mortgage, the owner occupancy agreement you will sign is that you ""will continue to occupy the property as my primary residence for at least one year after the date of occupancy, unless extenuating circumstances arise which are beyond my control"" (ref), i.e. you plan on living in it for a year, so you're kind of stuck in your case.  Maybe you'd want to occupy it as quickly as possible initially to make the year up more quickly :) Apparently you can also request the lender to agree to arbitrarily rescind the owner occupancy aspect of the mortgage, half way through, though I'd imagine you need some sort of excuse to convince them.  Might not hurt to ask."


Charlotte Drone Company provides full service media solutions in Charlotte. Our services grab the viewer’s attention. Browse for Media Production Company in Charlotte, NC area. We do Real Estate Photography, Aerial Photographers and many more. All Video is done with stabilized DSLR camera for the smoothest and most effective video. Visit us for more.


Person significantly over 40 here (me, 55).  What.  I like my work much better now than I did twenty years ago, and I'm able to successfully put more time into it.  More, a lot of other things are less interesting to me - video games, trash TV - and really only work is satisfying.  Of course, I'm very lucky to be in an interesting field (software) and lucky also to be (I perceive :-) )  at the top of my game.


To thrive in this new dynamic, clients partner with ITC Infotech to create a modernized ERP system through seamless upgrades and effective business process mapping, with automation and analysis of information exchange at an enterprise level. ITC Infotech applied digitaligence ensures standardized processes and a simplified user experience for clients.


I was under the impression this is how he's pretty much always done business. I was amazed he found so many people to work for him in the first place but there's still [hundreds of key positions that haven't even had a candidate nominated.](https://ourpublicservice.org/issues/presidential-transition/political-appointee-tracker.php)


It is already going downhill. I hadn't actually put two and two together, but my last several visits were not good. I had chalked it up to unfortunately pulling new waiters just on their first day alone because I was there a bit early.


Daytrading cryptocurrency. If you manage to trade the highs and lows  correctly you can easily make a killing, as it's highly volatile at the moment. Please note that this also carries big risks of losing whatever you put in.


When Hewlett Packard split they changed their name to HP Inc. and spun off Hewlett Packard Enterprise as a new corporation. This means HP Inc. has the same stock history and ticker (HPQ) as Hewlett Packard did so that's the one you want to search for. As you noticed this also means it's impossible to search for old Hewlett Packard's stock performance alone. One free service that seems to show the unadjusted historical stock price of HPQ is Google finance: https://www.google.com/finance?q=NYSE%3AHPQ


"Whether you contribute to an IRA (Traditional or Roth) and whether you contribute to a 401k (Traditional or Roth) are independent. IRAs have one contribution limit, and 401ks have another contribution limits, and these limits are independent. I see no reason why you wouldn't maximize the amount of money in tax-advantaged accounts, if you can afford to. In your first year of work, especially if you only work for part of the year, you're likely in a lower tax bracket than in the future, so Roth is better than Traditional. Another thing to note is that the money in the Roth IRA can be part of your ""safety net"" -- contributions to a Roth IRA (but not earnings) can be withdrawn at any time without tax or penalty. So if there is an emergency you can withdraw it, and it wouldn't be any worse than in a taxable account. And if you don't need it, then it will enjoy the tax benefits of being in the IRA."


You did not answer my question. Is it moral to steal from me to pay off someone else's debt because I payed mine off?  Is that moral?  Why is college the only option to learning skills? What about online learning or trade skills? There is a reason coding boot camps are popping up everywhere.  Tuition is skyrocketing because universities have no incentives to cut costs/prices because the Government hands out free tuition/low interest rate loans.


DCA is not 10%/day over 10 days. If I read the objective correctly, I'd suggest about a 5 year plan. It's difficult to avoid the issue of market timing. And any observation I'd make about the relative valuation of the market would be opinion. By this I mean, some are saying that PE/10 which Nobel prize winner Robert Schiller made well known, if not popular, shows we are pretty high. Others are suggesting the current PE is appropriate given the near zero rate of borrowing.  Your income puts long term gains at zero under current tax code. Short term are at your marginal rate.  I would caution not to let the tax tail wag the investing dog. The fellow that makes too many buy/sell decisions based on his taxes is likely to lag he who followed his overall allocation goals.


"Well, futures don't have a ""strike"" like an option - the price represents how much you're obligated to buy/sell the index for at a specified date in the future.  You are correct that there's no cost to enter a contract (though there may be broker fees and margin payments).  Any difference between the contract price and the price of the index at settlement is what is exchanged at settlement.   It's analogous to the bid/ask on a stock - the bid price represents the price at which someone is willing to ""buy"" a futures contract (meaning enter into a long position) and the ask is how much someone is willing to ""sell"" a contract. So if you want to take a long position on S&P500 mini futures you'd have to enter in at the ""ask"" price.  If the index is above your contract price on the future expiry date you'll make a profit; if it is below the contract price you'll take a loss."


I was in a similar situation with my now 6 year old.  So I'll share what I chose.  Like you, I was already funding a 529. So I opened a custodial brokerage account with Fidelity and chose to invest in very low expense index fund ETFs which are sponsored by Fidelity, so there are no commissions.  The index funds have a low turnover as well, so they tend to be minimal on capital gains. As mentioned in the other answer, CDs aren't paying anything right now.  And given your long time to grow, investing in the stock market is a decent bet. However, I would steer clear of any insurance products.  They tend to be heavy on fees and low on returns.  Insurance is for insuring something not for investing.


It seems to be that your main point is this: No matter what, my chances cannot be worse than random and if my trading system has an edge that is greater than the percentage of the transaction that is transaction cost, then I am probabilistically likely to make a profit? In general, yes, that is true, but... Consider this very bad strategy: Buy one share of stock and sell it one minute later, and repeat this every minute of the day. Obviously you would bleed your account dry with fees. However, even this horrible strategy still meets your criteria because: if this bad strategy had an edge beyond the transaction fees you would likely still make a profit. In other words, your conclusion reduces to an uninteresting statement: If there were no transactions fees, then if your trading system has an edge then you will likely make a profit. Sorry to be the bearer of bad news, but IMHO, that statement, and others made in the question are just obvious things stated in convoluted ways. I don't want to discourage you from thinking about these things though. I personally really enjoy these type of thought experiments. I just feel you missed the mark on this one...


The government gets part of it. The remainder:  Borrower relief will be in the form of mortgage modifications, including first-lien principal and forbearance forgiveness and second-lien extinguishments, low- to moderate-income mortgage originations, and community reinvestment and neighborhood stabilization efforts, with initiatives focused on communities experiencing, or at risk of, urban blight. This includes lien releases, uninhabitable and abandoned property demolition, and remediation and property donations. Also, Bank of America will support the expansion of available affordable rental housing. Bank of America has committed to complete delivery of the relief by no later than August 31, 2018. The consumer relief will be subject to oversight by an independent monitor. - See more at: http://newsroom.bankofamerica.com/press-releases/corporate-and-financial-news/bank-america-reaches-comprehensive-settlement-us-departm#sthash.AR7aJl3o.dpuf


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.


> 1) Did President Trump say he thought Medicare Part-D should use its market share to negotiate drug prices, enter a room with executives from the pharmaceutical industry, and then come out saying he now opposed Medicare doing so? Yes or no?  Yes. So he said that. Did he ACT to make it so? Maybe, as usual, he's playing business chess with executives and eventually, when changes are made to Medicare part-D, it will be something that he originally said?  > 2) Has President Trump created, championed, or even backed any policy that would require the United States to take active steps to prepare for the upcoming problems caused by global warming? Yes or no?  Absolutely not! Absolutely not! President Trump is not against any method or measure to reduce pollution or emission.  **Now, that I answered your questions, I want to remind you what I already said to you: I voted Trump and I very much support Trump now, but, no, I am not happy with everything he said or do before and after the elections. For example: I am pro-choice, and he is not.**