"It is impossible to start the story with when ""Adam fucked eve"" for the benefit of every individual every single time.  if the plot does not make sense to you, perhaps it addresses a part of the the very vast economy that is unrelated to you, post something constructive in a thread you get or keep up with the plot.  We are debating the pressures having a fucking moron in the white house has on the economy."


Credit history is built over time, so paying this loan off immediately wouldn’t do much if anything for you.   Best thing to do is to start with a low limit credit card and pay it off every month. You’ll build favorable history and avoid interest.   Check r/personalfinance for more advice.


"> The best teachers make hundreds of thousands, if not millions of dollars, in private educational institutions.  1. I am sure some teachers do, and that these teachers are far better than average. But teacher pay correlates with a lot of other things, like seniority.   2. ""Education"" is not just one thing, and it is sometimes closer to a private good and sometimes closer to a [public good](http://en.wikipedia.org/wiki/Public_good). Education-as-status is a private good (which is why private schools can afford to pay prestige-bringing teachers a lot of money). Education-as-human-capital is in some cases also a private good (e.g., most of the benefits for graduate business education accrues to the student, so externalities are negligible); but in other cases it is probably not (e.g., it's better for everyone if everyone else is literate and numerate, so there are externalities involved in basic education). And civic education is an almost public good (the benefits of voting thoughtfully only exist if many people do it, and they are spread largely evenly throughout society).  Right now the government has a hand in funding all of these. This may or may not be a good idea (whether from the standpoint of pure efficiency or from the taxation-is-theft).  But in your opinion, which of the above educations could plausibly be funded adequately without taxation?  Edit: fixed link"


Absolutely.  It does highly depend on your country, as US brokerages are stricter with or even closed to residents of countries that produce drugs, launder money, finance terror, have traditional difficulty with the US, etc. It also depends on your country's laws.  Some countries have currency controls, restrictions on buying foreign/US securities, etc. That said, some brokerages have offices world-wide, so there might be one near you.  If your legal situation as described above is fortunate, some brokers will simply allow you to setup online using a procedure not too different from US residents: provide identification, sign tons of documents.  You'll have to have a method to deliver your documentation in the ways you'd expect: mail, fax, email. E*Trade is the best starter broker, right now, imo.  Just see how far you can go in the sign-up process.


i would check out why other people make good money on the market when they invest but when i do it the economy goes into a recession. am i the only real person in the world and everyone is a simulation? is it black magic? is it the universe telling me to earn my money in other ways?


Keep it simple: mutual funds (preferably index, low fee or ETF linked funds) do make a nice start for your little princess college fund.  You dont need a real fortune to offset the trading cost of an online broker but if your really going to take advantage of dollar cost averaging, you might want to invest into a trusted fund company.  Do your research, it is worth it. Ignore what the investment salesman is saying, he works for his wealth, not yours.  A good DIY strategy, either joint with your own retirement account agregate or on a low cost index fund will make wonders.  Keep in mind to be resilient: you will cash out when the princess will be in college in 20 yerars. Make sure to make proper time horizon investment and allocation.  Cheers, All the best. Feel free to edit


If you have ever had to relocate an office, then you know how complex and challenging the procedure can be. A profitable office move needs advanced planning and precise accomplishment to reduce the downtime and minimize the possibility of revenue loss. In this relate, with aid of a reputed office movers Nyc, your business can enhance effectiveness and minimize the problems related with office shifting.


I'm not sure cost of capital would decrease that substantially. I have a feeling people still need to find a home for their money - as such it'll simply lower interest rates in order to offset the loss of deduction. IMO it would be quite inflationary.  Edit: I do not think this is a good idea, to be clear.


There is a limit a company can live up to when it relies on innovation as a competitive advantage in tech and consumer electronics. Apple has reached that limit and it's looking desparate.   It's high time Apple diversified into different businesses while their brand is hot and positioned themselves appropriately. What more can you innovate on smartphone, tablet or laptop that your competitor cannot do?


I recently was offered $1/hr raise. I turned it down because 1.)I had been looking for other jobs and the extra $150 per month wasn't enough money to keep me from exploring other options so it would look bad to take a raise and leave a month later. You never want to burn bridges. 2.) Raises aren't given out everyday. The business I work for is having financial troubles and the $1/hr was probably the best they could do at the time. If business picks up and they can afford to give me more money they won't do it because the record will show that I just got a raise.  One good extra is that your boss will be flabergasted that you just turned down a raise and you may gain a lot of respect from your superiors. Don't confuse strategically turning down a raise and letting others sway your opinion because they don't wanna cough up the cash.


>**Firms responded to this act by significantly increasing repatriations from foreign affiliates.** This paper analyzes the impact of the tax holiday on firm behavior. It controls for endogeneity and omitted variable bias by using instruments that identify the firms likely to receive the largest tax benefits from the holiday. Repatriations did not lead to an increase in investment, employment or R&D—even for the firms that lobbied for the tax holiday stating these intentions. Instead, a $1 increase in repatriations was associated with an increase of approximately $1 in payouts to shareholders.        Offhand, that's all I would think that they were going to do.  If you remove a tax from something, you effectively get more of it.  You're removing a tax on *bringing capital home to the US.*   This is a good thing no matter what is done with it, because it means our money isn't being used to build up another country.        With the dividend being returned to stock holders, you have to realize that retirement plans are the biggest holders of dividend paying stock.  Your parents, your grandma, just got a raise.  Since they're living on fixed income, this has a very high stimulative effect.  They buy something nicer at the grocery.  They give their kids and grandkids a $20.  This improves the economy from the bottom up.  This is undoubtedly a good thing, and certainly much better than keeping that money overseas.


Parkland Real Estate has some of the most pristine sceneries in Florida and is a primary place for families and individuals to reside. Not sure how to start the process of buying a home in Parkland? We will be more than happy to assist you with any real estate related issues that you might have.


If you paid by debit/credit card, there is an expiration period to the authorization the seller is given by the merchant processor, although that timeframe is dictated by the credit card company/bank, merchant processor, and sometimes by state law.   That being said, the other posters are correct that technically, once you authorize  charge, the seller has the right to expect fulfillment of the agreement, that you would pay them X dollars for Y product.


"TL;DR: Because stocks represent added value from corporate profits, and not the price the goods themselves are sold at. This is actually a very complicated subject.  But here's the simplest answer I can come up with.  Stocks are a commodity, just like milk, eggs, and bread.  The government only tracks certain commodities (consumables) as part of the Consumer Price Index (CPI).  These are generally commodities that the typical person will consume on a daily or weekly basis, or need to survive (food, rent, etc.).  These are present values. Stock prices, on the other hand, represent an educated guess (or bet) on a company's future performance.  If Apple has historically performed well, and analysts expect it to continue to perform, then investors will pay more for a stock that they feel will continue pay good dividends in the future.  Compound this with the fact that there is usually limited a supply of stock for a particular company (unless they issue more stock). If we go back to Apple as an example, they can raise their price they charge on an iPhone from $400 to $450 over the course of say a couple years.  Some of this may be due to higher wage costs, but efficiencies in the marketplace actually tend to drive down costs to produce goods, so they will probably actually turn a higher profit by raising their price, even if they have to pay higher wages (or possibly even if they don't raise their price!).  This, in economics, is termed value added. Finally, @Hart is absolutely correct in his comment about the stocks in the S&P 500 not being static.  Additionally, the S&P 500 is a hand picked set of ""winners"", if you will.  These are not run-of-the-mill penny stocks for companies that will be out of business in a week.  These are companies that Standard & Poor's Financial Services LLC thinks will perform well."


I would also consider unnecessarily complex investment strategies a big warning sign as they can easily hide poor investment advice or a bad strategy. This is especially the case when it comes to retail investment as complex strategies can have so many moving parts that you, as someone with a day job, can't spend enough time on it to keep an eye on everything and you only spot issues when it's too late. Other bugbears:


>leptokurtotic  That's a term I don't hear tossed around too often.  I would tell you given the fact that you have assumption about the shape of the distribution it is relatively easy to correct for kurtosis, but I'm not near PHd math so I am sure you are capable.  One question, do you always assume that shape? or just because of the sample period?  I only ask because over the long term we generally assume the returns of stocks are normalized on a weekly or monthly scale.  Or do you assume the shape because the leveraged short fund creates it?  Did you write the article you linked?


">He said the amendments he was introducing to a spending bill were necessary because of the Republican president's ""unprecedented failure to divest from his business, and the ongoing entanglement between the Trump Organization and the White House.""  this whole thing defies description"


That's a weak excuse.  What other companies in other countries pay in tax is irrelevant after profit.  Competition already took place to garner that cash.  US companies should want to pay taxes in their country and the government should invest it in this country.  Hell of a dream huh?  Cash is useless sitting in tax havens.


"But when you focus just on taxes on work, as the OECD does in a new report out this morning, the U.S. starts looking a little less like a low-tax paradise. The total ""tax wedge"" -- which measures ""the difference between labour costs to the employer and the corresponding net take-home pay of the employee"" -- was 31.7 percent of labor costs for the average single U.S. worker with no children in 2016, higher than in 10 other OECD countries.  https://www.bloomberg.com/view/articles/2017-04-11/why-the-u-s-overtaxes-labor   https://www.ssa.gov/oact/progdata/taxRates.html"


WTF - she worked as a Temp and still they were trying to stop her going anywhere else?  These agreements are very one sided and demonstrate disproportionate market power.  If someone is THAT valuable, they should be working harder to keep them and paying them properly, rather than forcing them to not work competitively.  And seriously, and I don't mean to demean the skills of your friend, but a Dental Hygienist? How much damage to a business can she do if she goes to work for another dentist?


"Generally ""default"" means that the company cannot pay off their debts, and since debt holders get paid before equity holders, their equity would be effectively worthless. That said, companies can emerge from Chapter 11 bankruptcy (reorganization) and retain equity value, but it is rare. Most times, stocks are de-listed or frozen on stock exchanges, and company's reorganization plan will cancel all existing equity shares, instead focusing all of their attention on paying back as much debt as possible. If the company issues new equity after reorganizing, it might provide a way for holders of the original equity to exchange their shares for the new equity, but it is rare, and the value is usually significantly less that the value of the original equity."


You can call it a stock rating of say between 0 to 5 or 0 to 10 or whatever scale you want to use.  It should not be called a recommendation but rather a rating based on the criterial you have analysed. Also a scale from say 0 to 5 is better than using terms like buy, hold and sell.


"> Yes, I want data about Chinese opinion of Trump. I’ve provided data for India and many other countries. >  >  >  > I know asking a trumptards to back up what they say is a bit too much for you, but that’s generally the standard required to make an educated assessment. >  >  >  > If I were you I’d shut the fuck up about things I don’t understand and can’t support with data.  I didn't vote for Trump.  I wonder how much else you're wrong about. I'm betting most of it, Mr. ""everyone else needs data but I can make sweeping generalizations so shut the fuck up""."


OP seems pretty objective throughout this whole thing. He's provided evidence on why this could be a false claim but had also called out individuals who makes claims with no backing evidence.  It's possible to not choose a side and have your own agenda.


I would like to add one minor point for clarity: Cosigning means that you, alongside your friend, enter into a contract with the bank. It does not necessarily mean that you now have a contract with your friend, although that could implicitly be concluded. If the bank makes use of their contracted right to make you pay your friend's debts with them, this has no effect on your legal relationship with your friend. Of course, you can hold him or her liable for your damages he or she has caused. It is another question whether this would help you in practice, but that has been discussed before.


">first is that investors are perfectly rationale allocators of capital.  Yes, they are rational, and far superior to the government.  > that excess capital is invested - at all  It is either invested, or converted to consumption that Hanauer claims to be so important  >that taxation (presumably what is considered ""high"") has caused unproductive investing practices, when in fact the inverse is true  nonsense, and stupid. unworthy of further comment  >have resulted in the incentive for investors to sit on their capital and do nothing to return it to the system.   wrong. people don't sit on cash.  >that investing profits back into expansion and worker compensation is misallocation of resources.   Yes, it absolutely is unless the people in charge have determined that the ROI is sufficient. Without adequate reward, you are literally just burning money.  >giving precedence to the relatively elite investor class ensures that capital is allocated according to their whims  You mean retail investors and pension funds? yeah, so elite, such whims. You act like stock holders are all fat cats smoking cigars in a country club.  >and often times that simply means into their bank accounts.  Wow, such retardation:  - rich people don't just leave mountains of cash in bank accounts  - even if they did, the bank would be using that money to fund loans, etc, so it's still ""in the system""  >i would like others to know that what you are saying is widely debunked, chicago school nonsense   You sound like a very pretentious liberal who wants very badly for the reality of economics to not be true because it conflicts with your political beliefs  >a few hours of unbiased research will make this evident  everything in your post is written is a jaw-droppingly pretentious style, almost like you see yourself as posing for the cover of the New Yorker as one of those fat cats you despise"


Since you are considering dumping your savings into your student loans when they are equal, you should go ahead and do it now.  You will immediately reap the benefit of paying less interest per month.  Also, your minimum monthly payments will decrease so if you had unexpected expenses pop up, you could shrink your payments for a limited time.  If you don't have emergency expenses, more of your regular monthly payment will go toward the principle of your loan and pay it off faster. Make a goal to get your savings back up as soon as you can after your loans are paid off.  In the mean time, see what other things you can cut back on like eating less expensive food or switching to a less expensive phone plan.  If you have stuff you don't need anymore, try selling it on Craiglist or eBay.  Or just focus on doing more at work so you can get a raise.  These things are not necessary, but it's a good feeling to be able to shave another month or two off paying a debt.


If you took advantage of options like a home buyers plan (HBP) you definitely need to file since you must designate how much of the plan to repay.  Your employer does not know about what you do with your money so cannot take this into account for the withheld taxes.  If you do not report repayment of the HBP it will be treated as a withdrawal from your RRSP i.e. additional income for that tax year.


"The relative value of Gold (or any other commodity) as measured against any given currency (such as the USD), is not a constant function either. If you have inflationary pressure, the ""value"" of an ounce of gold (or barrel of oil, etc) may ""double"", but it's really because the underlying comparator has lost ""half"" its value."


Here is a bit more on this:  * /r/changelog: [Domains can be blocked from being submitted](http://www.reddit.com/r/changelog/comments/umx99/reddit_change_domains_can_be_blocked_from_being/). * /r/BannedDomains: [Reddit is now banning entire high-quality domains, using an unpublished list](http://www.reddit.com/r/BannedDomains/comments/v08ho/reddit_is_now_banning_entire_highquality_domains/).  In part this appears to be reaction to editors at these publications spamming links to their publications and manipulating the upvotes, like [this guy at The Atlantic](http://www.dailydot.com/society/atlantic-slaterhearst-jared-keller-reddit/).  It does seem a bit much, especially considering that there were some interesting articles at The Atlantic and Business Week that I wouldn't mind seeing on Reddit, so I hope that this is only a temporary fix while a more permanent solution is being worked on.


Yes, you should own a diverse mix of company sizes to be well diversified. While both will probably get hit in a recession, different economies suit different sized companies very differently in many cases, and this diversity positions you best to not only not miss out in cases where small companies do better out of recessions than large, but also in environments where small companies rate of growth is larger in bull markets.


While there could be other factors, the chart at the top made me not want to read the article... it's a gain of less than 0.1% in a year in a growing economy.    Keep this up and they'll be screwed by 2040.


> If you can't cough up $200 for this, you need to rethink if you are in business or playing at being in business.  You don't know anything about my financial situation and I resent the implication that poor people shouldn't start businesses.  Also, the whole project is less than $200 so it wouldn't make much sense hiring a lawyer.


I've seen many buyouts in my own portfolio, including the company I worked for.  There have been several different scenarios: The terms of the deal are subject to the deal -- frankly whatever makes sense to the buyer and that is accepted by the seller. So sometimes brokers charge reorganization fees.  check into those for your broker.  I've not seen one in a while, but my brokerage account is substantial, and often that's a perk they offer higher-value accounts. Also watch out for taxes.  The transaction where my employer was bought by another publicly traded company -- we got bit because the IRS treated it as a taxable transaction, and all our RSUs were effectively sold and then repurchased.  So we ended up with a big tax bill (capital gains) without any cash to offset the big tax bill.  I suspect its because my old employer was a US based company, whereas the new company is not.


During mergers they try to create efficiencies.  Typically these efficiencies happen in the office, one HR person instead of two, less secretaries, less middle managers.  The number of maintenance people is normally based off of the number of properties.  You likely will be safe in your position, but no one knows for sure.


Not necessarily, the whole reason the investors ousted him so frantically is because they're perilously close to a down round, which would have a domino effect on its valuation. The consequences of the past year and its massive cash-burn could be long term.


"This is the best tl;dr I could make, [original](https://www.nytimes.com/2017/07/17/business/dealbook/student-loan-debt-collection.html) reduced by 85%. (I'm a bot) ***** > Other large student lenders, like Sallie Mae, also pursue delinquent borrowers in court, but National Collegiate stands apart for its size and aggressiveness, borrowers&#039; lawyers say.  > National Collegiate&#039;s beneficial owner, Mr. Uderitz, hired a contractor in 2015 to audit the servicing company that bills National Collegiate&#039;s borrowers each month and is supposed to maintain custody of many loan documents critical for collection cases.  > A random sample of nearly 400 National Collegiate loans found not a single one had assignment paperwork documenting the chain of ownership, according to a report they had prepared.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6o3vdd/student_loan_forgiveness_due_to_lost_paperwork/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~169942 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Borrower**^#1 **loan**^#2 **National**^#3 **case**^#4 **Collegiate**^#5"


The signature actually harks back to the days before every business checked every transaction online. When charge cards were introduced modems didn't exist. Nowadays, stolen credit cards are usually reported within 24 hours and the card won't work. Businesses that face low fraud rates don't bother checking. They probably figure that a certain percentage of charges get charged back because the cardholder claims that they didn't make them, and the credit card company usually just passes the cost on to the merchant, so it's really the merchant who should be worried about fraud since he or she is going to pay for it.  The real question for the merchant is whether checking signatures actually reduces charge backs.  If the credit card is stolen, how hard would it be for thieves to practice the signature on the card a few times until they can reproduce it well enough to fool someone? Businesses that face high fraud rates are often more careful. In New York City, try buying some Nikes on 34th Street, and you'll get your signature checked, your driver's license checked, and they'll call up your 5th grade social studies teacher.


Marion is definitely in a terrible position, but I have feeling she could use some personal finance advice on money because she has serious leaks in her budget that aren't account for. Also, I think, with two kids, she fits the description of people who are recipients of large IRS tax refund.


"My question to you would be ""When is the market down?"" I know that a lot of people attempt to do this and never get close.   With 40 years left to retirement, I would have you consider to just invest in the manner that you are most comfortable and let dollar cost averaging do the rest."


Possession is 9/10 of the law, and any agreement between you and your grandfather is covered under the uniform commercial code covering contracts.  As long as your fulfilling your obligation of making payments, the contract stands as originally agreed upon between you and the lender.  In short, the car is yours until you miss payments, sell it, or it gets totalled.  The fact that your upside down on value to debt isn't that big of a deal as long as you have insurance that is covering what is owed.


"That would be a very *evil* move on Google's part. As a Firefox user close to 100% of my searches are done through the built-in search bar, which is set to Google by default. That's got to be worth something surely.   Besides which, I don't really see what Google has to gain by having their browser ""kill"" Firefox. Their goal should be a healthy ecosystem of standards-compliant browsers, all the better to keep the web open so they earn more money."


I have looked at the conditions of a car rental company, and I believe it provides the answers: Upon pick up of your vehicle, you must present a valid credit card (*)   used to make the booking and which must be in the driver´s name. If   you do not have a valid credit card we will accept your debit card   when you pick up your vehicle. However, as we cannot reserve credit to   cover the potential damage or refueling costs, you will need to take   SuperCover and a fuel tank of fuel at the start of the rental. We will   refund the value of the unused fuel at the end of the rental unless   otherwise agreed with you. (*) VISA, MasterCard and American Express   are accepted. Credit card or Third Party Insurance IMPORTANT: In case of damage, we   will charge you the incurred amount up to the excess. You will then   need to reclaim this amount from the provider of the credit card or   third party insurer. We strongly recommend that you fully read and   understand the terms and conditions of any cover provided by your   chosen provider before you decline any of our optional services.   Without our SuperCover, should you damage the vehicle during your   rental period, we will charge you the corresponding amount up to the   excess, regardless of whether you can subsequently reclaim this amount   from the provider of the credit card or the third party insurer. In   the event you would like to dispute any of the above mentioned charges   you should send your request by mail or email to the Firefly location   state on your rental agreement. https://global.fireflycarrental.com/qualifications-ES.html From that, we can conclude that : It's likely that disputes with customers in case of damage cost a lot to car rental companies, and for the 2 above reasons, demanding a credit card may alleviate it.


You'd think people would understand how capital and R&D expenditures work on /r/business. If this wasn't a default sub way back in the day, I don't think we'd have this as the top comment about a company that exclusively sells 6-figure cars with 5-figure margins.


"Spain is THEFT and murder. Greece is MURDER and theft. Italy is murder and theft. So is Germany and Japan and the US and Africa and everyone else except me. That's how come I know I'm special.  How can you evil fuckheads defeat me?  Why should a responsible nation be forced to subsidize an irresponsible nation? Because, FUCK YOU, that's why. Apparently.  Let's get rid of the ""leaders"" and get down to the business of deciding who is the WINNER! Wouldn't you rather be DEAD than the LOSER? EZPZ! You CAN be dead if you're the loser!  Let's all square off. The Whites, the niggers, the Jews, The asians, et al...and fight it out for ULTIMATE CORRECTNESS!!"


"your country sucks. India fucking sucks. Let's get that out of the way?  Why? Because you are all scummy people who are scammy spammers. Your country is a third world country still because of its ""ME FIRST YOU NEVER"" mentality.  Reported as fucking spam you stupid cunt."


The least amount of experience that a company has, the least it will be prepared to offer its clients. Audio Visual Hires can accompany a number of components such as lighting, sound, staging, custom set designs, plasma screens, and projectors.


"From the article, hueypriest says >You can’t have democracy if people can rig the ballot box.  You don't get rid of elections in that situation!  You ban the people who are ballot stuffing (not rigging)!  I can think of many other ways to punish people/sites who are trying to cheat.  IIRC, you already can't submit more than a certain number of links in a certain time-frame.  I wouldn't want to limit the number of times someone can submit per day, but how difficult would it be (I really don't know) to check out the top 100 submitters to see if they are ""real"" people?  That they're not submitting the majority of their links from the same sources?  Instead of banning quality sites like The Atlantic and Business Week, I'd much rather see a DEFINED time period in which only x-number of links to their sites can be made per day.  Or even per hour.  <-- might make more sense so that not only articles from early in the day show up.  I strongly support efforts being made to make sure reddit doesn't become Digg, but I don't think this is it."


Agreed. It will always be a fringe device. Have you ever used a Roku? The UI sucks, and you cant even get full use out of it unless you:   1. Have cable and hook up all of your channels to it; or  2. Install a custom firmware (illegal) that gives you all of the channels and content anyway.   A lot of people cut cable and buy a Roku to find out that it sucks.


I'm in the same position as you. I've found YouTube to be a great resource, as well as reading things from outlets like the WSJ. Having a close friend in a target school studying finance also helps a ton, as I have someone to talk to casually about things, as well as ask questions.  Check out [this](https://www.youtube.com/playlist?list=PLUl4u3cNGP63B2lDhyKOsImI7FjCf6eDW) playlist on YouTube. I've seen the professor (Lo) mentioned more than once in articles in the WSJ. He's written some books too that I'd like to read. I haven't watched that whole playlist, but the first few videos are helpful.  Martin Shkreli's YouTube channel is a great resource. It's mentioned constantly on this sub. His finance lessons as well as his weekly podcast are great. I also like to listen to (via YouTube Red) talks given by execs like Ackman, Gray, Simons, Dalio, etc. [this](https://www.youtube.com/channel/UCVJalJNQWimC2zWrIHR_bSQ) channel uploads tons of interviews and talks that I find interesting. They can get repetitive, but I find it fun to listen to these guys.   You can also get a student membership to the American Finance Association for free. Academic papers are still way above my level, but if you really get into it, those could be fun.  You can subscribe to email newsletters for some free content. Almost Daily Grant's is a good one, the normal journal costs like 2k a year.   Feel free to message me.


You can't be serious? You're seriously coming in here to discuss how a third world country is generally less well off than a member of the EU and a first world country and you're going to quote the HDI. In other news the sky is blue, water is wet, the snosberries taste like snosberries and you're wasting my time and yours. I'm going to disengage now. In fact... I think you're just flame baiting by jacking the top comment on this thread so i'm going to delete this very shortly.


The four points mentioned above (without reading the paper in greater detail) all emphasize modern day balance sheet analysis. We should not conflate that with earnings analysis all of a sudden are a thing of the past and no longer valuable.


"Define ""risk-sensitive"": The point is, define Your risk, and your choices will narrow. Some investors worry more about what next months statement will show & lose sleep over it; some investors do not want to miss the average historical rates of return for equities (stocks) and are willing to tolerate fluctuations in monthly statements."


Every American has benefited from a decrease in cost of goods. Some may also have lost, and some may well have lost more than they gained, but everyone has gained.  It feels like four years ago or so all anyone cared about was cost of goods, and no one cared about worker's wages. Now it's flipped, and no one cares about cost of goods. Radical idea: all relevant  factors matter.


GENIX was started by Joel Greenblatt back in 2013, so it is a real life test of the strategy. GENIX got off to a great start in 2013 and 2014 (probably because investors were pumping money into the fund) but had a terrible 2015, and lagging in 2016. Since inception it has under-performed an S&P 500 index fund by about 1.90% per year. The expense ratio of the fund is 2.15%, so before expenses GENIX still has a slight edge, but Greenbatt is doing much better the fund's investors. I think GENIX could be an OK investment if the expense ratio were reduced from 2.15% to around 0.50%, but I doubt the fund will ever do that.


Mitesh Khatri truly stands out in his performance of that of a corporate trainer, motivational speaker and leadership trainer. He doles out the most inspirational speeches and messages which holds the power to bring transformation in individuals as well as in the enterprise looking to evolve and revive the base of their work culture.  http://www.agreatertown.com/india_un/mitesh_khatri_0003501314


"I think so.  I am doing this with our furniture.  It doesn't cost me any more money to pay right now than it will to pay over the course of 3 years, and I can earn interest on the money I didn't spend. But know this: they aren't offering 0%, they are deferring interest for 3 years.  If you pay it off before then great, if you don't you will owe all the accumulated interest. The key with these is that you always pay it, and on time.  Miss a payment and you get hosed.  If you don't pay on time you will owe the interest that is being deferred.  They will also be financing this through a third party (like a major bank) and that company is now ""doing business with you"" which means in the US they can call you and solicit new services.  I am willing to deal with those trade offs though, plus, as you say, you can always pay it off. WHY THEY DO IT (what is in it for them...) A friend of mine works for a major bank that often finances these deals here is how they work. Basically, banks do this to generate leads for their divisions that do cold calls.  If you are a high credit, high income customer you go to a classic bank and request cash, if you are building credit or have bad credit, you go to a ""financial services"" branch.  If you tend to finance things like cars and furniture, you get more cold calls."


Opening up a new bank account and converting all your Euro's to USD is not a bad idea in the slightest.  It is certainly possible to do, however you most likely won't be able to get the spot rate for USD/EUR (http://finance.yahoo.com/q?s=USDEUR=X).  Even though you will get a worse rate, I would be much more comfortable with this than holding Euro's in the coming months.


lol information overload  how about we share some of our frequent reads?  i personally read Mike Shedlock's blog for global macro trends, albeit his content is leaning a bit to perma-bear  and mercenary traders for trading related contents. I absolutely love their articles on trading systems,mentality etc etc. It played a critical role in building my very own profitable trading system, and forging the trader mindset i have today. I would not have gone far without these guys.


"CP14h Shared Responsibility payments for Health Care should be paid online at IRS.gov/payments using the Health Care - Form 1040 selection for the appropriate tax year. A normal CP14 is paid online using the ""Tax Return or Notice (1040)"" selection."


If you are paid by foreigners then it is quite possible they don't file anything with the IRS. All of this income you are required to report as business income on schedule C.  There are opportunities on schedule C to deduct expenses like your health insurance, travel, telephone calls, capital expenses like a new computer, etc... You will be charged both the employees and employers share of social security/medicare, around ~17% or so, and that will be added onto your 1040.   You may still need a local business license to do the work locally, and may require a home business permit in some cities.  In some places, cities subscribe to data services based on your IRS tax return.... and will find out a year or two later that someone is running an unlicensed business.  This could result in a fine, or perhaps just a nice letter from the city attorneys office that it would be a good time to get the right licenses. Generally, tax treaties exist to avoid or limit double taxation. For instance, if you travel to Norway to give a report and are paid during this time, the treaty would explain whether that is taxable in Norway.  You can usually get a credit for taxes paid to foreign countries against your US taxes, which helps avoid paying double taxes in the USA.   If you were to go live in Norway for more than a year, the first $80,000/year or so is completely wiped off your US income.  This does NOT apply if you live in the USA and are paid from Norway. If you have a bank account overseas with more than $10,000 of value in it at any time during the year, you owe the US Government a FinCEN Form 114 (FBAR).  This is pretty important, there are some large fines for not doing it.  It could occur if you needed an account to get paid in Norway and then send the money here... If the Norwegian company wires the money to you from their account or sends a check in US$, and you don't have a foreign bank account, then this would not apply.


I'm not a tax expert, but I think you mean Form 4562, right? If you acquire the laptop in the year for which you're filing taxes, then it is just that simple.  (At least according to my reading of 4562 instructions, and my history of accepted tax returns where I've done this for my own business.) If, however, you acquired the laptop in a previous year and have already depreciated it previously (with the plan to spread over several years), there is more complexity I believe -- you may limited in how you could accelerate the remaining depreciation.


The percentage of gross income is a quick and easy way to arrive at the rough ballpark figure of the mortgage one can afford. The net income is something which one does not know offhand. If you want to seriously evaluate then most of the standard mortgage calculators will ask you to enter your gross income, your other liabilities like Auto Loan, Student Loan, personal Loan, Card Payments, Any other regular payments like Child Support etc. After factoring all these one arrives at the actual mortgage one can afford. As is evident, the above requires a good amount of calculation and hence the preffered method becomes on the basis of gross income.


"Aesthetics aside, laminate floor is attached to the floor and as such is a part of the building. So you depreciate it with the building itself, similarly to the roof. I believe the IRS considers these permanently attached because the foam itself is permanently attached, and is a part of the installation. To the best of my knowledge, the only flooring that is considered as a separate unit of property is tucked-in carpet or carpet pads (typically installed in commercial buildings, not homes). Everything else you'll have to prove to be an independent separate unit of property. Technically, you can take the tucked in carpet, and move it elsewhere as-is and be able to install it there assuming the size fits. You cannot do it with the foam (at the very least you'll need a new foam cover in the new location since you cannot take the foam with you from the old one). That's the difference between a ""separate unit of property"" and ""part of the building"". Note that the regulations in this area have changed significantly starting of 2014, so you may want to talk to a professional."


Leveraged ETFs are prone to volatility decay, also known as leverage decay: http://blog.quantumfading.com/2009/07/12/measuring-leveraged-etf-decay/ You can increase your chances by using a non-leveraged short ETF like TBF or simply shorting the long ETF. Beware: shorting bonds ETFs will result in you having the pay the dividends, which can be substantial. Edit: SBND has recently appeared on the market. It is leveraged 3x monthly. In theory, monthly leverage should be less destructive than daily leverage.


While visit of Beijing, which is in the north of china and you fill yourself with the remarkable memory of Acrobatic shows and you return astonished by witnessing the incredible moves in the shows. There are travel agencies which make your travel smoother and help you to book and reach to the show location easily.


"Two suggestions: I don't know if you have them in South Africa, but here we have some TV reality shows where a credit consultant visits a family that is deeply in debt and advises them on how to get out of it. The advice isn't very sophisticated, but it does show the personal impact on a family and what is likely to happen to them in the future. ""All Maxed Out"" is the name of the one I remember. ""Till Debt Us Do Part"" is another, which focusses on married couples and the stress debt puts on a marriage. If you can find a similar one, loan him a few episodes. Alternatively, how about getting him to a professional debt counsellor?"


Consider the case where a stock has low volume.  If the stock normally has a few hundred shares trade each minute and you want to buy 10,000 shares then chances are you'll move the market by driving up the price to find enough sellers so that you can get all those shares.  Similarly, if you sell way more than the typical volume, this can be an issue.


It's just a diner with relatively cheap, familiar food. I imagine they do better in less urban areas where there are fewer options. There is one in Chicago where I live but no one has any reason to go there except for the novelty.


>Like the company or not (I do not)  really? that's just FASCINATING that someone on reddit doesn't like Walmart. You are in such stark contrast to the Walmart love-fest that usually happens here. Can I just say that you are SO BRAVE


Or valued like a company that is likely to lead the transition to EVs.  What most people miss: to make 1M EVs/year you need at least 50GWh in batteries/year. This is an amount you cannot buy anywhere. Not even if you're Mercedes or BMW or GM. The only solution is to build dedicated factories for this, and that takes 3-5 years.  Tesla has the forethought to realize this is the bottleneck and they moved early. So in 2020 each of the other car makers can maybe source enough batteries for 100K cars/year, while Tesla will make their own to the tune of 1M cars/year.  This will change eventually, of course. But not anytime soon.


One big pie chart.  Traditional (pretax) 401(k) and IRA, Roth 401(k) and IRA, and non-tax favored accounts. All of these need to be viewed holistically, the non-favored money is where I'd keep cash/low return safe instruments, Roth IRA for highest growth.


"No, your business cannot deduct your non-business expenses.  You can only deduct from your business income those reasonable expenses you paid in order to earn income for the business. Moreover, for there to be a tax benefit, your business generally has to have income (but I expect there are exceptions; HST input tax credits come to mind.) The employment income from your full-time job wouldn't count as business income for your corporation. The corporation has nothing to do with that income – it's earned personally, by you. With respect to restaurant bills: These fall under a category known as ""meals & entertainment"".  Even if the expense can be considered reasonable and business-related (e.g. meeting customers or vendors) the Canada Revenue Agency decided that a business can only deduct half of those kinds of expenses for tax purposes. With respect to gasoline bills: You would need to keep a mileage and expense log. Only the portion of your automobile expenses that relate to the business can be deducted.  Driving to and from your full-time job doesn't count. Of course, I'm not a tax professional.  If you're going to have a corporation or side-business, you ought to consult with a tax professional. (A point on terminology: A business doesn't write off eligible business expenses — it deducts them from business income.  Write off is an accounting term meaning to reduce the value of an asset to zero. e.g. If you damaged your car beyond repair, one could say ""the car is a write-off."")"


"You can call them ""middle class values"" if you want but it's just being smart. Teen pregnancy is one of the dumbest decisions you can make. There is no 'survival' in having a kid at 16. This article and many scholars reference studies that show following these rules will lead most out of poverty. Sure there are some that follow and they still won't get out. these rules can be followed without the government doing anything. School is free and mandatory until about 16. The individual in poverty can get out. It's impossible to support a family on minimum wage, but you could support yourself. Hence why you shouldn't have a kid before 21/marriage."


After retirement nobody want to get low on cash. So, the best way to stay safe is to make some investments. Compare the saving with regular expenses and invest the rest. You can put some money in short-term reserves such as bank accounts, market funds, and deposit certificates. You will not be able to make much money on it but, it will ensure the financing of at least two to three years. There’s no need to take the money out from stocks but, if the stocks are doing good and there is a possibility that there will be no further profits then you can think of taking them out otherwise leave it alone.


check out The Art of R Programming. There are PDFs floating around for free or you could even buy the book. I've dabbled in Octave but I've only heard Andrew Ng and his online students talk about it.


Is there anything here I should be deathly concerned about? I don't see anything you should be deathly concerned about unless your career outlook is very poor and you are making minimum wage. If that is the case you may struggle for the next 10 years. Are these rates considered super high or manageable? The rates for the federal loans are around twice as high as your private loans but that is the going rate and there is nothing you can do about it now. 6.5% isn't bad on what is essentially a personal loan. 2-3% are very manageable assuming you pay them and don't let the interest build up.  What is a good mode of attack here? I am by no means a financial adviser and don't know the rest of your financial situation, but the most general advice I can give you is pay down your highest interest rate loans first and always try to pay more than the minimum. In your case, I would put as much as you reasonably can towards the federal loans because that will save you money in the long run. What are the main takeaways I should understand about these loans? The main takeaway is that these are student loans and they cannot be discharged if you were to ever declare bankruptcy. Pay them off but don't be too concerned about them. If you do apply for loans in the future, most lenders won't be too concerned about student loans assuming you are paying them on time and especially if you are paying more than the minimum payment.  What are the payoff dates for the other loans? The payoff dates for the other loans are a little hard to easily calculate, but it appears they all have different payoff dates between 8 and 12 years from now. This part might be easier for someone who is better at financial calculations than me. Why do my Citi loans have a higher balance than the original payoff amounts? Your citi loans have a higher balance probably because you have not payed anything towards them yet so the interest has been accruing since you got them.


Still, there are numerous people who believe hiring an off-site office for accounting need is compromising the security which is not true. We understand the internet is full of threats but this is not applicable over Xero bookkeeping services and service providers.


The general rule is to spend as little as possible on transportation, as it is an expense. Many people can get by without a car at all, but you say you can not. So, what you need is the cheapest car that is sufficiently reliable for your needs. I suggest you do not need three cars. You don't need to loan cars to your children; if they need a car, they can get a job and buy one, or borrow your reliable vehicle if (but only if) you are not using it. I would suggest, then, selling two of your vehicles and holding on to one for your daily commute. Pick the car you judge to be the most reliable. However, not all decisions are made purely rationally. My vehicle is a 2012 Subaru Forester. AWD is very nice in my snowy climate, but I could have picked up a second hand vehicle for a lot less money. Similarly, you may choose to hold on to a second or even a third vehicle because you judge it a reasonable use of your money. It's an unnecessary expense, but so is coffee and you can have my coffee when you pry it from my cold, dead fingers. More generally, there's a rule of 28/36. Roughly speaking, that says that a household should spend a maximum of 28% of its gross income on housing expenses (mortage, heating, etc. etc.), and no more than 36% on total debt (the aforementioned housing, plus also car loans, credit cards, and other loan repayments). If you are spending significantly more than that, it's time to seriously consider selling one or two of your cars, plus cutting back elsewhere. If you are significantly below that, the fact that you may be underwater on your home may be a far less pressing matter.


On Friday morning, Amazon shares open with a bounce of 8 percent against Thursday’s closing. This increase added $ 7 billion in the net worth of the company’s head Jeff Bezos. But on the other hand, Microsoft’s shares increased by just 7 percent, due to which Jeff became the richest person in the world once again, surpassing Bill Gates.Registration Begins Nov 7  current business news - wikifeed  According to a Forbes report, the increase of 2 percent in Ajman’s shares increased the total assets of Bezos by $ 90 million and became the world’s richest man. Their assets increased to $ 90.6 billion, which is slightly higher than Bill Gates’s assets ($ 90.1 billion)


"> At what point do people's bad decisions stop being society's burden to bear? If I decide to take on insurmountable debt because I don't know any better, should everyone else be forced to pick up the tab? That may sound heartless, but it's not.  She isn't asking for society to bear her burdens. She's asking for society to pay her a reasonable wage for her labor.   > A $15/hr minimum wage would ruin our economy and cause a lot more suffering and homelessness.  So you read the article, but then chose to ignore all the arguments showing that this would not, in fact, ruin the economy? Tell me - when drug companies hike the prices of essential medicine, do you also argue that it would ""ruin our economy"" or ""cause a lot more suffering""? Or do you just shrug and go ""they're charging what the market will bear""?  Why is that for folks like you, it's always fine if companies raise prices; but if employees want a higher wage, it's an outrage?"


[Scripps Networks](https://en.wikipedia.org/wiki/Scripps_Networks_Interactive), not to be confused with the [E.W. Scripps Company](https://en.wikipedia.org/wiki/E._W._Scripps_Company), owns HGTV, Travel Channel, Food Network, DIY Network, Great American Country, and Cooking Channel. They also own Polish broadcaster TVN and a 50% stake in British broadcaster UKTV.


At the end of the day - it is not moral to hire someone to put a gun to someone else's head to pay off your debt. The ends should never justify the means if you are an honorable person. I believe in personal responsibility and freedom. Capitalism is the reason why people fled to the US and why t has become the wealthiest country with the best standard of living in history in record time.   Your telling me Europe is doing great right now? Is that a joke? What about socialist countries like Venezuela and Greece?


American options (like those on ADBE) can be exercised by the holder anytime before expiration. They will be exercised automatically at expiration if they are in the money. However, if there is still time before expiration (as in this case), and they are not extremely in the money, there is probably extrinsic value to the option, and you should sell it, not exercise it. European options are only automatically exercised at expiration, and only if they are in the money. These are usually cash settled on products like SPX or VIX. They can not be exercised before expiration, but can be sold anytime.


"IMO: If you look long and hard enough at your data you're going to bump into these kinds of ""patterns"". There is no ""curse of 7"".  “Looking at the chart makes you want to hide under your desk when you see it, but remember this is only a sample size of 11, and the average performance is greatly skewed by big drops late in 1907, 1937, 1957, and 1987. Also, consider that 1907, 1937, and 1957 were all recessionary years, and equities had run up 40% for the year in August 1987, so a pullback was not surprising."" [Quote](https://lplresearch.com/2017/08/11/the-curse-of-years-ending-in-7/)"


Where is the revenue? I can't see how Reddit can be profitable given how poor it is as an advertising platform, and how its core user base loves ad blockers. This seems like yet another valuation based on projected hypothetical earnings, using user activity as a metric. Yes, that *might* translate into earnings later. Or it might not.   What am I missing?  Ps having witnessed the rise and fall of Digg, after they said very similar things about re-skinning their site, I hope they don't mess this up.   PPs I don't know about anyone else, but I hardly ever use Reddit desktop. Mobile app only for me.


> and you can't buy anything with them  not true at all.  gold converts to ANY/EVERY currency in the world  look, I don't care what you do.  your question was how to make $500 into more.  my answer is one answer.  but I encourage you to [follow the price of gold and silver](http://www.infomine.com/investment/metal-prices/gold/) from time to time (weekly?) to see the path I predicted  here are two videos to help you learn  https://www.youtube.com/watch?v=MvBCDS-y8vc  https://www.youtube.com/watch?v=XRphHg87uSc


As a general principle the stock price on the stock market is controlled by an agreement between buyers and sellers. Some initial observations on this stock So, my take on this is one/more of the following My suspicion is the latter.


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


Have you checked to make sure that your card isn't at the limit, or at risk of expiring soon?  Maybe PayPal has a policy to reject credit cards with expiry dates that fall within their buyer/seller protection periods? But to answer your question, no, I've never had this happen to me before.


I think that's a very good point, but I feel that with pharmaceuticals there's less room to push back far enough on prices to count. Manufacturers know that the real people being hurt by threatening sales are the patients and regular people that need them the most.


You need to set your status as self-employed the day you started online work. If that date is a little ambiguous (as is usually the case with online business), you can start with the day you first made any money. Yes, you can deduct expenses from your revenue. But you have to be sure that the expenses were purely business related.  This is how it goes: You inform HMRC about the day you started work. HMRC will assign you a UTR (Unique Tax Reference) number. Depending on how much you make you might or might not need to pay Class 2 NI contributions. You'll need to tell HMRC how much you expect to earn in the current tax year. Finally, you'll need to complete a Self-Assessment at the end of the tax year. I highly recommend setting up a business banking account. Here is a link that discusses being part-time self-employed in the UK.


Will buying a flat which generates $250 rent per month be a good decision? Whether investing in real estate is a good decision or not depends on many things, including the current and future supply/demand for rental units in your particular area. There are many questions on this site about this topic, and another answer to this question which already addresses many risks associated with owning property (though there are also benefits to consider). I just want to focus on this point you raised: I personally think yes, because rent adjusts with inflation and the rise in the price of the property is another benefit. Could this help me become financially independent in the long run since inflation is getting adjusted in it? In my opinion, the fact that rental income general adjusts with 'inflation' is a hedge against some types of economic risk, not an absolute increase in value. First, consider buying a house to live in, instead of to rent:  If you pay off your mortgage before your retire, then you have reduced your cost of accommodations to only utilities, property taxes, and repairs. This gives you a (relatively) known, fixed requirement of cash outflows. If the value of property goes up by the time you retire - it doesn't cost you anything extra, because you already own your house. If the value of property goes down by the time you retire, then you don't save anything, because you already own your house. If you instead rent your whole life, and save money each month (instead of paying off a mortgage), then when you retire, you will have a larger amount of savings which you can use to pay your monthly rental costs each month. By the time you retire, your cost of accommodations will be the market price for rent at that time. If the value of property goes up by the time you retire - you will have to pay more on rent. If the value of property goes down by the time you retire, you will save money on rent. You will have larger savings, but your cash outflow will be a little bit less certain, because you don't know what the market price for rent will be. You can see that, because you need to put a roof over your own head, just by existing you bear risk of the cost of property rising. So, buying your own home can be a hedge against that risk. This is called a 'natural hedge', where two competing risks can mitigate each-other just by existing. This doesn't mean buying a house is always the right thing to do, it is just one piece of the puzzle to comparing the two alternatives [see many other threads on buying vs renting on this site, or on google]. Now, consider buying a house to rent out to other people:  In the extreme scenario, assume that you do everything you can to buy as much property as possible. Maybe by the time you retire, you own a small apartment building with 11 units, where you live in one of them (as an example), and you have no other savings. Before, owning your own home was, among other pros and cons, a natural hedge against the risk of your own personal cost of accommodations going up. But now, the risk of your many rental units is far greater than the risk of your own personal accommodations. That is, if rent goes up by $100 after you retire, your rental income goes up by $1,000, and your personal cost of accommodations only goes up by $100. If rent goes down by $50 after you retire, your rental income goes down by $500, and your personal cost of accommodations only goes down by $50. You can see that only investing in rental properties puts you at great risk of fluctuations in the rental market. This risk is larger than if you simply bought your own home, because at least in that case, you are guaranteeing your cost of accommodations, which you know you will need to pay one way or another. This is why most investment advice suggests that you diversify your investment portfolio. That means buying some stocks, some bonds, etc.. If you invest to heavily in a single thing, then you bear huge risks for that particular market. In the case of property, each investment is so large that you are often 'undiversified' if you invest heavily in it (you can't just buy a house $100 at a time, like you could a stock or bond). Of course, my above examples are very simplified. I am only trying to suggest the underlying principle, not the full complexities of the real estate market. Note also that there are many types of investments which typically adjust with inflation / cost of living; real estate is only one of them.


On a personal note if this was a piece of technological achievement I do not think it should forever hold a patent. I do believe mankind is more important than one man. However this is a fictional character and anyone can make one any time. You do not have to steal the name so you can ride the star powered train to riches based on somebody else's property.


There are many ways of investing either directly or indirectly in oil: all of these options are ways to invest in an expected change in the price of oil at various degrees of directness and risk profiles. Investing in derivative or derivative-like products such as futures and CFDs is very risky and requires a good degree of sophisticated knowledge to manage.


I would love to assist you. It’s funny that even when I got my MBA I still didn’t know how to make money. I believe education is going to be mainly on line in the future. Just let me know how I can help. My email is wilkinsd@aol.com (yes I’m old school). Also can be reached via text at 205-394-4242.


"Industry hates:  The mandate to consider ""natural"" nitrites as not nitrites.  The mandate to label many ingredients as ""natural flavors,"" rather than what they are.  Many deceptive standards of identity, which are often out-dated.  Mandated serving sizes, based on out-dated census information.  And so on, and so on, and so on. You're making assumptions based on how you feel. I'm making accurate statements based on over a decade in the industry."


I know some people see Obama as a lesser evil, but personally I prefer to vote for as little evil as possible and that is not Obama. Many of the things Obama allows or orders is a continuation of bad policy, most of all extrajudicial and extralegal assassinations and killing of people around the world, not least of all drone attacks and the dozen official and secret conflicts we're involved in today.   I will not give my personal stamp of approval for a person that does that.


"Echoing that bank fees are mostly ""because they can"", although partly this is because simply holding onto the money doesn't really pay enough for the physical infrastructure of branches, ATMs and staff. So like a budget airline they make it up on additional fees. But that document doesn't actually say they charge 3% for currency conversion! It's ""0.20% of transaction amount"" for currency conversion, which is not bad (although watch out for the ""spread"" between buying and selling rates). I see ""International POS/ATM Transaction Fee 3% of transaction amount"", which is very different. That's a card fee. The big issue with these is fraud - your card number suddenly being used in a different country will nearly always trigger extra fraud checks. It also involves a much more complicated settlement process. I'm more unimpressed with the monthly service charges and the huge $85 fee for international wire transfers."


"In addition to the information in the other answer, I would suggest looking at an economic calendar. These provide the dates and values of many economic announcements, e.g. existing home sales, durable orders, consumer confidence, etc. Yahoo, Bloomberg, and the Wall Street Journal all provide such calendars. Yahoo provides links to the raw data where available; Bloomberg and the WSJ provide links to their article where appropriate. You could also look at a global economic calendar; both xe.com and livecharts.co.uk provide these. If you're only interested in the US, the Yahoo, Bloomberg, and WSJ calendars may provide a higher signal-to-noise ratio, but foreign announcements also affect US markets, so it's important to get as much perspective as possible. I like the global economic calendars I linked to above because they rate announcements on ""priority"", which is a quick way to learn which announcements have the greatest effect. Economic calendars are especially important in the context of an interview because you may be asked a follow-up question. For example, the US markets jumped in early trading today (5/28/2013) because the consumer confidence numbers exceeded forecasts (from the WSJ calendar, 76.2 vs 2.3).  As SRKX stated, it's important to know more than the numbers; being able to analyze the numbers in the context of the wider market and being aware of the fundamentals driving them is what's most important. An economic calendar is a good way to see this information quickly and succinctly.  (I'm paraphrasing part of my answer to another question, so you may or may not find some of that information helpful as well; I'm certainly not suggesting you look at the website of every central bank in the morning. That's what an economic calendar is for!)"


What country do you live in where Republicans can pass anything?  Democrats are on a Warren/Sanders tear and they are capable of blocking, especially if 2018 goes the way everyone expects.  Tying Trump to the banks wouldn't even require effort on their part.


If you are considering the addition of Farm Fencing, you should weigh your options carefully. Contact your homeowner's insurance carrier before you finalize your decision. Find out what height of security fence will reduce your premium the most. This will ensure that you reap all of the benefits from the expense of adding an aluminum security fence to your property.


First of all $1k is not enough money to start a web business.  You're probably going to lose all your money, your business and your friendship.  Second of all you need to retain a lawyer.  I really can't emphasize this enough.  If a lawyer is too expensive for you, then THIS BUSINESS IS TOO EXPENSIVE FOR YOU.  If you don't have the money, then you don't have the time.  When you say it's his idea - did he come to you with a fully written business plan?  Even if he did, that's not really worth 20% of the equity.  I would insist on 50/50 if the capital is 50/50, and salary to whoever is working on it.  You're not going to have profits in the first year.  Let me repeat that.  YOU'RE NOT GOING TO HAVE PROFITS IN THE FIRST YEAR.  Things never, ever, EVER work that way.  Or ok they do but it's like 1%.  It's not going to happen to you.


"Uh yeah so basically these banks are full of shit.  Is what this sentence **really** means: (from article)  >Thomas Hoenig, vice chairman of the FDIC, spoke plainly about the FDIC and Federal Reserve’s findings. He said, “Despite the thousands of pages of materials these firms submitted, the plans provide no credible or clear path through bankruptcy that doesn’t require unrealistic assumptions and direct or indirect public support."""


"I'd love to kmow why your thinking is at it is, given the now documented facts regardless of the failed propaganda, with examples of reasons why Afghanistan needed to be invaded. Saddam was bad, but is he, for example, as bad as Saudi murdering tens of thousands of Yemenis with Us and UK supplied arms? Creating a gigantic cholera epidemic, just as an aside...   Oh, and how did Saddam's WMDs work out for you? Was it lies or just ""crap intelligence""? The same intelligence agencies are ""protecting"" 5 eyes countries now?.......  The only way I'll believe international justice exists ([minus Malaysia agreeing the invasion was illegal and Blair and Bush should be tried for war crimes](https://en.m.wikipedia.org/wiki/Kuala_Lumpur_War_Crimes_Commission)), is when Blair and Bush are put before an international and independent tribunal, where the evidence of their crimes is allowed  to come out.9"


Both of the other answers are correct and good answers, but I think neither directly answers your question. No, you do not need to pay additional taxes on the wedding gifts simply because of the fact that they are going into a Roth IRA.  Similarly, if you put them into a traditional IRA, that amount would be deductible (assuming you met the other criteria, including minimums and maximums of earned income, in both cases).  The act of putting money into a Roth IRA is not what makes it taxable; its original source is.  Roth simply does not reduce your current taxes any, whereas a traditional IRA would. The seeming exception to this is when rolling money from a tax-deductible source to a non-tax-deductible destination, such as transferring money from a Traditional IRA or 401(k) to a Roth IRA or 401(k).  Then, the taxable event is really the distribution from the Traditional IRA or 401(k), not the deposit into a Roth IRA or 401(k), though of course if you rolled a 401(k) over to a traditional IRA it would not be taxable.


"Maybe not the official solution satisfying int'l convention / legislation, but at least has some logic to it (though I myself am not 100% convinced as yet): Liabilities ! ... but is it really a liability? Rationale: And simultaneously ups my liabilities: since what difference does it make if I borrow some money (to use it or not use it, repay later) or if someone just wants to ""store"" some money with me: w.r.t. balance sheet I'd say: zero... ... with the one caveat that it might make a difference w.r.t. taxation ?"


The earlier you are in your career, the more willing you should be to take a better opportunity even if it has a short-term financial cost.  You go to college even if McDonald's has an opening.  After college you may take an entry level job with better long-term prospects even if a higher paying job is available.  You may train for some professional qualification. Having expenses you have to pay limits your flexibility to do this.  A variable rate loan that goes up later may give you the freedom to make better decisions early on.  Thus in this case it may be worthwhile. That said - be very wary of variable rate loans.  Unless you have iron discipline, they give the opportunity to bury yourself.


"From the IRS perspective, there's no difference between ""your taxes"" and ""your sole proprietorship's taxes"", they're all just ""your taxes"". While I could see it being very useful and wise to track your business's activities separately, and use separate bank accounts and the like, this is just a convenience to help you in your personal accounting, and not something that needs to relate directly to how tax forms are completed or taxes are paid. When calculating your taxes, if you want to figure out how much ""you"" owe vs. how much ""your business"" owes, you'll have to do so yourself. One approach might be just to take the amount that your Schedule C puts as income on your return and multiply by your marginal tax rate. Another approach might be to have your tax software run the calculations as though you had no business income, and see what just ""your personal"" taxes would have been without the business. If you think of the business income as being ""first"" and should use up the lower brackets rather than your personal income, maybe do it the other way around and have your software run the calculations as though you had only the business income and no other personal/investment income, and see what the amount of taxes would be then. Once you've figured out a good allocation, the actual mechanics of paying some ""personal tax amount"" from your personal bank account and some ""business tax amount"" from your business bank account are up to you. I'd probably just transfer the money from my business account to my personal account and pay all the taxes from the personal account. Writing two separate checks, one from each account, that total to the correct amount, I'm sure would work just fine as well. You can probably make separate payments from each account electronically through Direct Pay or EFTPS as well. As long as all taxes are paid by the deadline, I don't think the IRS is too picky about the details of how many payments are made."


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"Think about it this way: prop desks wouldn't exist if trading didn't work.     Part of trading is adapting.  That includes algos, manipulation, housing crashes, etc.  On a practical side, you have to find a way to make money or else you won't last long.  I have heard that it takes longer for new traders to be protifable, but that's second/third hand.   Personally, my first few years were tough, but I still think it's better to try to achieve something and fail than to be content in mediocrity.  Despite wanting to quit a couple times and thinking, ""I should be doing better"", I stuck through it and it's worked out pretty well."


Royal White Marmo stone PVT .LTD. initiated in 2005, at Rajsamand. This is manufacturing, exporting and supplying company in India. We have best connection with top builders in India. We offered polished texture, pure finishing, and stable, natural white and best durability marble stones. http://royalwhitemarmostone.in/index.php#Indian-Marble-Price


> If you lose a significant amount of weight by any means, your body is likely to make you feel hungry for the rest of your life.  If you read the whole article, that's a guess on the part of the researcher who was being interviewed and actual studies of that assertion are ongoing.


Yea fair enough and I agree underemployment is definitely a big issue. Still; demanding better wages for the work they do at Walmart doesn't make a lot of sense, there is a bigger issue in the lack of jobs for skilled workers.


the main problems right now  -security (it's really bad)  -integration (everyone wants their own closed ecosystem so they can collect data or charge for services, which is the opposite of what consumers want.)  -protocol (there isn't a universl smart home protocol)   -service (many products rely on the company maintaining a server for them to talk to, so you don't know if a product will even work in a few years, which is bad for smart appliances that people expect to use for 10-20 years.  obviously whichever company can get their hardware into other companies products will win. they need to start thinking like intel back during the pc craze in the mid nineties (alexa inside)


"This is the best tl;dr I could make, [original](https://www.theguardian.com/business/live/2017/jul/17/stock-markets-record-highs-chinese-growth-figures-gdp-business-live) reduced by 58%. (I'm a bot) ***** > The government&#039;s ambitious reform program could go a long way in addressing France&#039;s longstanding economic challenges-persistent fiscal imbalances, high unemployment, and weak external competitiveness.  > To make the strategy credible, deep reforms are needed at all levels of government, with major spending efforts from the start.  > The planned corporate, capital, and labor tax reforms should boost investment and job growth.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6nvh2d/stock_markets_hit_record_highs_as_chinese_gdp/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~169029 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **reform**^#1 **tax**^#2 **government**^#3 **unemployment**^#4 **fiscal**^#5"


You are making an assumption that the house will appreciate in the short term, which there is no way you can know.  You will probably take a bath financially selling a house after one year into a mortgage even if you sell it for what you paid for it. If there is any chance you might relocate back it is definitely worth keeping it, otherwise I'd say cut your losses. The only upside might be if you could rent it out, keeping in mind that you generally need to rent for about double your mortgage payment to get positive cash flow. Letting it sit empty while you wait for it to appreciate is undoubtedly going to cost you big-time.


"This is the best tl;dr I could make, [original](http://blogs.lse.ac.uk/politicsandpolicy/a-global-progressive-tax-on-individual-net-worth-would-offer-the-best-solution-to-the-worlds-spiralling-levels-of-inequality/?.com) reduced by 94%. (I'm a bot) ***** > He argues that with disparities in income and wealth rising substantially over recent decades, a global progressive tax on individual net worth would offer the best option for keeping inequality under control.  > Even if wage inequality could be brought under control, history tells us of another malign force, which tends to amplify modest inequalities in wealth until they reach extreme levels.  > A global wealth tax would require international co-operation.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6j9s10/a_global_progressive_tax_on_individual_net_worth/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~151703 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **wealth**^#1 **inequality**^#2 **World**^#3 **tax**^#4 **income**^#5"


If money is more expensive (costs more to borrow) then fewer people will be able to qualify to make the payments for a particular size of mortgage.  This reduces the number of potential buyers for property at that price.  As sellers still want to sell, they will move their prices down to where more people can afford to buy. So rising interest rates create downward pressure on housing prices. But Toronto is the biggest city in Canada.  I'd expect part of the high prices there is the location: lots of people want to be close to lots of activities, action, and opportunity.  Unless something catastrophic happens, I don't see Toronto losing that advantage.  If anything, it's going to get a tad warmer up there in the coming decades.


i see what you're saying. however, the point of the article was essentially a criticism of our current variety of capitalism. so i don't think my points are off topic at all. and i'm also not challenging capitalism as a system myself - rather, that the present system invokes these impractical assumptions.


"P/E ratios for the whole market are rising to levels generally only seen after crashes in the market when low earnings push up the ratio.    A lot of people in the market recognize the artificial effect of government easing and low interest rates have had on prices. Basically, there's more money sloshing around and there's nowhere else for it to go that earns a good return.  I agree that outside of tech the rest of the economy is doing fairly well and will probably be resilient against any shock. But tech is a bigger part of the market than ever, and we could still see a big market correction and a small real world downturn on the back of it.  >There were people prior to 2008 sounding alarm bells about the real estate market. I haven't seen the equivalent today.  You said it yourself: overvalued tech stocks that nobody can justify the high prices for. We have big IPOs on companies that don't actually make money. Huge market caps on ""disruptors"" that are only very niche parts of their industries (e.g. Tesla). Companies like Uber that still lose money but command huge valuations.   Is that enough for a crash? Hell yes - that was what caused the 2001 dotcom crash and recession."


"Given your clarifying comment that you're asking about the length of stay rather than AirBnB in particular, I'd say there is a decent chance there will be tax differences.  The difference is unlikely to be in income tax, but many cities have local ordinances that impose transaction taxes on short stays.  For instance, the town where I live has a ""transient occupancy tax"" for any paid stay of less than 31 days. Unfortunately, because these taxes are often levied by individual cities, it's hard to know whether one applies in your case.  One town may impose no tax while the town right next to it does impose a tax.  You'll have to look at what your local laws are.  This could be easy if your town has a nice comprehensive website about local laws; if not you may have to do some deeper research. In any case, you should definitely look into it, since there could be penalities if there is a tax and the city finds out you're not paying it.  As AirBnB has grown in popularity, many municipalities have begun to crack down on AirBnB renters who try to make money without paying taxes like a regular motel (as well as conforming to other laws, e.g., running a business in a neighborhood zoned residential)."


"I sometimes ask myself this question.  But I was totally blown away that you missed the main reasons I think we are in trouble.  Wall Street is a casino, and worse than that, it is a rigged casino that is more and more dependent on computers making trades.  And we are at their mercy.  One greedy bank, one computer glitch, and it's off to the races we go again.  I'm blown away by what they did in the 2000's, and the fact that they got  away with it totally and completely.  You worry about government debt, and social security/medicare, but consider that if wall street banks hadn't *purposely* collapsed the American (and world) economy for a few quick bucks, we wouldn't be in this recession for almost 6 years now, and people/businesses  would have paid a lot more taxes.   And as far as I can see, we are just waiting on  the next bubble that wall street will inflate and pop.  We could reduce government debt to zero, and wall street could still take the whole thing down again, with no fear of repercussion.  So long as they can make a profit, why wouldn't they?  EDIT: Removed some ""choice words"", made this more readable."


"Meh, take McDonalds with you on your way to Canada Burger King. I'll be eating at home or at places that serve real food. There is a reason why Chipotle as doing very good business while all the slap-dash fast food ""burger"" joints are struggling. Moving to Canada won't make their food less shitty."


"Given the income level of my family (married filing jointly status),   IRAs aren't really an option. We're past the Roth IRA limits and get   no deduction for a regular IRA. There's something called the ""backdoor Roth IRA"". You can contribute to a Traditional IRA and then immediately convert it to a Roth IRA. Assuming that you don't have any existing money in Traditional IRAs, this is exactly identical to a Roth IRA contribution."


Established in 2010, Architecture Roofing and Remodeling has been committed to providing the highest quality professional roofing and remodels. So whether it be Residential or Commercial, We, at Architecture Roofing and Remodeling, are always looking out for your best interest by providing a premier workmanship that is second to none.


I'm assuming that when you sell the house you expect to be able to pay off these loans. In that case you need a loan that can be paid off in full without penalty, but has as low an interest rate as possible. My suggestions:


Certainly there are people who do pay off their homes.  Others do not.  It's a question of risk tolerance and preference.  Some considerations relevant to this question: Taxes - Interest on a mortgage is tax deductible.  Particularly for high earners, this is a significant incentive to maintain a mortgage balance and place extra money in the market instead. Liquidity - If you lose your job, you can sell stocks to pay the mortgage.  But if you have made principle payments on your mortgage but still owe some outstanding balance, you are still required to make monthly payments without any source of income. Rates - In recent years it is been common to get a mortgage for 3.2% to 3.5%.  The difference between those rates and 9% rate of return for the market is substantial.   There are other considerations but the answer in the end is that for many people the risk / reward calculus says the ~5% difference in rate of return is worth the potential risks.


"This seems almost overkill, but if you want to... I suppose one thing you could do is create a separate money in transit account, similar to Account Payable and Account Receivable. In your bookkeeping, transfer the money from the source account to the holding account on the date that the source bank withdraws it, and then transfer the money to the destination account on the date that the target bank deposits it. This both makes it clear that there is money going between places, and ensures that the daily balance on each ""physical"" account is accurate. For cash withdrawals and deposits, I'd just use the date when you make the withdrawal, since that is the day from which the money is available in the new location rather than the old one. Note: I don't know if this is the ""proper"" way to do it in a random jurisdiction, but I doubt being this explicit can get you into trouble."


Amazon is becoming a monopoly. Getting close to DC will allow it to spring in action if it’s ever on populist chopping block in Congress. If Amazon going to Philly, it might as well take NJ’s 7 billion dollars offer and build it across the river in Camden.


"That's false. I'm not morally outraged by anything businesses do because they're not meant to be moral. I don't like it because it doesn't work and this policy won't work.   Secondly, trickle down economics is a theory that says benefits for the wealthy will help everyone else. That's in my text books. It's usually in the form of tax cuts but can come in other benefits.   It's a safe assumption to assume that tech firms are run by wealthy people. This benefits no one but the wealthy that run firms.  ""Unless you want to define any policy that helps business as trickle down."" This is false. The article clearly states this is benefit is being done for the betterment of Idaho's tech hub  because it provides so much for the state.  What's the difference between that and saying ""we're giving tax breaks to the largest corporations because the provide so much for the state?""   None. Firms save money to ""benefit"" the state, while only benefitting themselves in both scenarios.   It benefits Idaho business, which long term will hurt Idaho. Just like supply side economics benefits businesses, but hurts the county long term.   Economic benefits are more than taxes and gains. Especially when they're so closely related to jobs/mobility and expenses saved based on reducing mobility and forcing people to stay in the same jobs.   ""Help us keep our people here"" help us be able to pay them less to live in a shit state because us having top notch human capital is best  for society. It's an identical thought-train as help us be able to pay workers less than minimum wage because us having capital is what's best for society.  You are considering  the interest of firms for economic benefit, even though long term it won't benefit you. Sounds like the thought train of Reagan and Bush Jr. Who both trashed the economy.   It's come in benefits such as eased restrictions, lack of competition and lack punishment for lack of competition, and higher barriers to entry.   Who does this benefit for the sake of the ""common man"" (lmao) the wealthy owners of firms with high level employees."


For the 7 I read about one chapter/did a chapter test a day then took 1 practice test a night when I was done reading the book (never reread a chapter and took minimal notes) and it took me about 2 1/2 months and I passed with an 88.


I'm guessing Toronto? Sell the car! Use public transit. Save a ton of money.  You can always rent a car for the day or weekend (or use a service like Uber) when necessary at a fraction of the cost of car ownership, and feel good about it!


It really depends on how strong you are in the content already. 5 months is enough but I really must stress that you need to be focused on it and keep on top of it every day. December is possible and worst case you could just resit in June... And to if it's possible for December 17, from memory I started in August 16 so yes it is.


How do you know people want jobs?  People get jobs because they want money, not because they want a job.  I think when a lot of people say they like their job they are lying to you and themselves because that job is the only viable option or all they know.  Nobody wants to admit they are not getting everything out of life they want.  This system of economics intimidates people into financial slavery with threats of starvation and homelessness.  I have never been opposed to hard work, but the restraints of full time jobs always sucked.  I think a lot of people enjoy rewarding work, not shitty go nowhere, uninteresting, unfulfilling, unrewarding jobs that suck all their energy serving others at their own personal expense.  Knowing how much money sloshes around in this country and how little is allocated for ninety percent of us is depressing.


Also, bear in mind, you need to pay a deposit which is around the same price as a monthly payment. They will also need to do a credit history check on you and since you are a foreigner you won't have any. There are some renters who care less but mostly serious renters will require it. Some can require an employment confirmation or even a bank account details. It is very complicated and difficult for a foreigner.  As in comments mentioned, a contract is minimum 1 year. The deposit is returned when you leave and the place is left in good condition. I would not expect the full amount returned as many renters require a professional cleaning or some even repainting the walls. You can do it yourself and give them a receipt but you end up paying for it.  What I would suggest is some type of a sharing house where people share rooms in one house. But that option has negatives. Another option is hostels where you even share a room. It all depends on where you want to live. It is very different if you are in a big city like New York or somewhere in suburbs. The prices also vary. It's good to have friends in the USA that can help you especially if you aren't planning on staying too long.


Actually, yes. Two parties can write a contract and specify how money will change hands, it's called a swap. It's not unusual to write a contract that mimics an existing financial instrument. However, there are disadvantages to both sides to trading a swap rather than a more standard, liquid instrument, so usually it won't happen unless there's an excellent reason.


There will always be another recession ahead. Accept that.  Depending on your strategy, it could make sense to forge ahead. During a recession it may just take longer to recognize gains. Not always; there's plenty of ways to make money during a recession, and not all of them involve short positions.  Now, if you're 75, living off of an investment account, perhaps you should move things to something less volatile.


No can't make quick bucks. It depends very much on what the strike price was. Dividends which are below 10% of the market value of the underlying   stock, would be deemed to be ordinary dividends and no adjustment in   the Strike Price would be made for ordinary dividends. For   extra-ordinary dividends, above 10% of the market value of the   underlying security, the Strike Price would be adjusted. Refer more at NSE India Edit: The Nifty consists of 50 stocks. The largest one has weight of around 8%. So 10% on this will only translate to .8% on index.


"There are basically two different markets for ADRs and ordinary shares. 1) The American market, 2) the ""local"" market. The following is not true for most stocks in ""developed"" markets. But it is often true that the American market (for ADRs) is far more liquid than the local market for ordinary shares of a developing country. For instance, there was a time when the ADRs of Telmex (Telefonos of Mexico) was the fifth most traded stock in the world, after Exxon (before its merger with Mobil), IBM, Microsoft, and A T&T, meaning that it was easy to trade with low fees on the NYSE. It was much harder and slower to buy the local shares of Telmex in Mexico, on the Mexican exchange. Also, the accompanying currency transactions were harder to execute with the ord, because you have to settle in local currency and pay an FX commission. With the ADR, the exchange rate is ""built"" into the (dollar) price, and you settle in dollars."


Wrigley may or may not be a big client.  Losing that one customer is not gonna really affect TMobile.    Lets get to the root issues.  Lets pretend TMobile (or any company) actually did try to solve every problem.  Thats gonna cost way to much money.  Its not practical.    We do not live in a marketplace that allows people to make excess profits to allow for great service unless someone is a sort-of monopoly like Apple or Microsoft or OPEC.  Companies have no choice but to squeeze costs and at the end of the day if they lose an account like Wrigley who cares?  TMobile will win an account that Verizon loses due to shitty service.


The main risk I see to this plan is with a late payment to your credit card.  For a variety of reasons, some outside your control, you could end up with a late payment on the CC and a +18% interest rate making your arbitrage attempts unprofitable. You sense that this is risky, and it derives from placing short-term risk on a long term asset.   Your interest rate is high for the current market.  What kind of things can you do reduce that rate?  What kind of things can you do to reduce your principle?  Those kind of things represent far less risk and accomplish the same goal.


You don't need to hire a lawyer. In general, there are three things a lawyer might do: (1) Review the language of the deed of sale (2) Review the terms of the mortgage (if there is one) (3) Hire a title search company to do a title search If you do not want to do these things or want to do them yourself, then you do not need a lawyer.


I think it's because you specifically provide business-related information and they use this information to build services that intuitively make sense. No realy surprises, no real ’they're doing **what** with my data?‘ moments.  Have to say they're job search stuff seems really good - I'm getting jobs popping up on my screen which are 80% things I'm interested in.


">Since when was welfare designed to eradicate poverty? It's supposed to provide supplies to survive when you can't afford it otherwise.  ROTFLMAO.  >The War on Poverty is the unofficial name for legislation first introduced by United States President Lyndon B. Johnson during his State of the Union address on January 8, 1964. This legislation was proposed by Johnson in response to a national poverty rate of around nineteen percent. The speech led the United States Congress to pass the Economic Opportunity Act, which established the Office of Economic Opportunity (OEO) to administer the local application of federal funds targeted against poverty.  >As a part of the Great Society, Johnson believed in expanding the government's role in education and health care **as poverty reduction strategies.** [(Source)](http://en.wikipedia.org/wiki/War_on_Poverty)  And ironically, what are the TWO fields that are now in ""crisis"" and where additional government involvement is deemed THE solution?  Education & Health Care.  Idiots never learn. (Shit, they can't even keep their story straight.)"


Similar action is being undertaken in Europe following the example of Cyprus. As WND recently pointed out, finance ministers of the 27-member European Union in June had approved forcing bondholders, shareholders and large depositors with more than 100,000 euros in their accounts to make the financial sacrifice before turning to the government for help with taxpayer funds.  Do they get compensation later if the bank recovers?


> at marked up groceries  Groceries are the same price on all the services, or at least comparable to the fluctuations between store A and store B they charge a delivery fee (usually $5-8) and offer an option to tip / or include a mandatory service fee which goes to the shopper.  So for me, I pay somewhere around $15-30 every 2-3 weeks to save 2 hours, the stress and hassle of parking, shopping etc. Sold.  If I use Prime Fresh its less per delivery but has a membership fee. Did that for a while, I didnt order enough for it to make sense, but several people with kids who I turned on to it love it.