"Here's a brief rundown:   1. You're not going to need a lot of capital or debt  2. You aren't in a high-liability or high (MM+) revenue industry unless you're making children's toys out of reclaimed dynamite or something  3. You are operating by yourself  The first fact rules out S or C corp. The second fact dings LLC, and the third one rules out a LLP or GP by default, although you can always convert later if you get a partner.   Benefits of sole proprietorship include very simple taxes! As a pass-through entity, the business's income is considered your own, and business expenses are tax deductible. You don't need separate tax returns for both. Additionally, if it's just your name, you might not even need a license depending on your state and municipality (figure this out). If you want a different name, you usually need to register ""doing business as [name]"" with your state or municipality. Lastly, you don't need to use business income in any special way, since you have no additional tax liability or general liability shield. With an LLC, there are a lot of rules and restrictions.   Let me know if you have any specific questions."


The capital gain is either short-term or long-term and will be indicated on the 1099-DiV. You pay taxes on this amount as the capital gain was received in a taxable account (assuming since you received a 1099-DIV). More info here: https://www.mutualfundstore.com/brokerage-account/capital-gains-distributions-taxable


I believe you are confusing sales tax with income tax. The tax holidays in the US are only for sales tax. Consumers purchasing certain goods during the tax holiday do not have to pay sales tax like they normally would. Effectively the price is slightly lower during those days with the purpose of giving people an extra reason to shop at that time. During the tax holiday the stores make the exact same profit that they normally do, but they may experience a bump in sales simply because more people will shop during that time. Income tax for both consumers and the businesses is not affected by this. Although New York state was the first state to implement a tax holiday 20 years ago, they no longer have one today, though they do have certain goods which have a lower tax rate year round.


> I've never understood people's willingness--often eagerness--to be unpaid advertisements for corporations...and to pay for the privilege.  It mostly has to do with social class.  The lower classes are insecure and do stuff like cling to logos to prove their worth.  There's a reason why certain products are endlessly bragged about in rap songs and featured in the videos.  People want to associate with certain brands and logos to enhance their self-worth.  Go to the rough part of town - you will see more and bigger logos than anywhere else.  It's nothing but status symbols in the 'hood.  People who are more secure in themselves, with good educations or jobs or other accomplishments, don't need to cling to a logo or brand.


Wealth Generators is there for you to make you learn all the essentials techniques required to make your hard earned money provide you with the best output which you can never imagine. Yes, optimism and the smart skills are the two pivotal ways to get success over the curvature of the financial twisting.


Um  really, you expect US to know the answer?  Why not ask Wells Fargo? Unless someone here happens to work for WF and has access to the right people, this is more likely a question to send to their support people than to get an answer here that is anything other than a SWAG   (and in that line of reasoning, and as a software tester by trade, my money is on the already offered reasoning that it's doing some kind of primative 'bad word' search (probably a regular expression match) and getting a hit on tit.  ) In the meantime I suggest an alternative term, how about 'offering'


"> A significant part of the rate of increase in costs is likely due to the shifting demographics bulge of baby boomers aging.   And two good ways to factor that out is to   a) look at other countries with different population bulges and  b) look at the cost inflation over several decades, 20 thirty, even fourty years ago  What we see is all countries with direct government intervention are either seeing some sort of queueing (Australia, search for ""Ramping"") or costs that escalate beyond the rate of inflation regardless of where their baby boomer bulge is at.   Next we see that this trend, at least in the US has spanned over half a century, long before boomers ever reached maturity. In fact it seemd to have started ever since the early 20-th century when blue cross formed to allow patients to pay flat rates every months for unlimited access to their local hospitals."


You've already got a well thought analysis of the problem done, that's a good start. How much can you dumb down the explanation of why your product is better? I mean, I don't even know what you're selling, but your description of the product made me believe you so I'd argue you're convincing enough, maybe all you need is to exemplify to your costumers and bring them down to earth examples of why your product will help them on a daily basis. Dumb down stuff as much as you want. Maybe be passionate about your product as you're being now. We buy stuff based more on emotion than reason most of the time anyway...


Very respectfully, your statements, although true, aren't what I care about. I absolutely want the bias of bad customer service and bad customer experience to affect the reviews of an establishment. That bias, if absent, lets me know that I've found a truly great place (which is CRUCIAL for services I rely on that typically have a lot of terrible practitioners, such as auto repair or dentistry).  The issue with Yelp is NOT that they feature survey feedback. I love survey feedback. The issue with Yelp is that they bias their feedback according to their *own* bottom line - you pay, you get good reviews (usually) and the bad ones get filtered, and if you don't pay, the opposite happens.  You might not like the aggregate, but I find it EXTREMELY helpful. I wish more than anything that Yelp were an honest company, but they are not, and that is the point of the OA. Your point, although true, is mostly irrelevant to people who want to see feedback on businesses. (I could cite Amazon's ratings as well in this regard - imagine what would happen if Amazon were as corrupt as Yelp. Would they still be the web's premiere e-tailer?)


It’s not minutia when you’re criticizing the wrong industry. If you thought that Equifax was a tech company and started criticizing “those crooks over in Silicon Valley” it wouldn’t make any sense either. I’m not defending anything, what happened at Equifax was malpractice of the highest degree. They just aren’t Wall Street.


For what its worth, I recently closed on a 30 year refinance mortage with an agent I found through Zillow.  The lender has a perfect 5/5 reputation score, whose office was located within 5 miles of my house, and as suggested by justkt on MrChrister's response, I checked out the business on the better business bureau and its online presence prior to going forward with the bank. The process was relatively painless, and the APR and closing costs were less than my previous loan with a federal credit union which I've used in the past.  I can't say if the bank I'll be using going forward is as good as the one I've used in the past, but overall I'm quite happy with it. I never met the individual in person but this saved both of us a fair amount of time honestly.


Has any console manufacturer done well right before launch?  Also the Wii U is going to sell like hotcakes. It's demand might not be as strong as the Wii but preorders are selling out within minutes of going live...


First I would be very careful using a short ETF.  There could be some serious tracking error, especially if its levered.  Second, when it comes to forex you are in the world of PIPS and high leverage.  You would need to have significant capital to be able to hold out the swings as banks do their interventions.  Plenty of people have been short waiting, and waiting, and waiting, unless you think you know something the market doesn't this seems like a pretty high risk strategy.  I'd suggest buying options instead, but they will be expensive given the volatility.


The rich pay more in taxes. It would be hard to cut taxes in a way that *didnt* help the rich. I'm more concerned with what it does for the middle and lower classes. I don't care that much if it helps the rich.  EDIT: Okay, so let's say you give the top third of the population (by income) a 1% income tax cut. The middle third got a 5% cut, and the bottom third got a 10% cut. In dollar value, the rich are still getting a larger cut, simply by virtue of how much they pay in taxes.  Someone made a point about property tax. Speaking very generally, poor people rent and rich people own. So a property tax inherently benefits the wealthy, because they own more property. Certainly any kind of corporate or capital gains cut would benefit the wealthy, since they own the corporations and are more heavily invested. Even a sales tax cut would benefit the wealthy more than the non-wealthy, simply because they spend more money.  But what frustrates me is how hung up people get on the fact that something is good for the wealthy, (such as with the headline of OPs article) as if we should actively try to avoid helping anyone rich. As I stated above, I don't care that it helps the rich, as long as it's helping the rest of us, too. And if the rich are getting a bigger benefit than I am by virtue of being rich, I'm not bothered, because I can do math.


"People have lost money buying houses in good to great neighborhoods.  It's a pretty large red flag that you state this so clearly ""the neighborhood is pretty bad."" I'd rather buy a bad house in a great neighborhood, and spend my weekends fixing it up, turning sweat equity into real equity. A two year bet? I'd pass.  Close to the school, high demand area, and my answer might change.  (And, ""welcome, stranger"")"


We will talk about what can be taken or not during pregnancy, although it is important not to become obsessed with food, so nutritionist clears some of the most frequent doubts about myths and truths Of feeding during pregnancy. The specialist recommends taking dont eat during pregnancy the following foods: - Animal proteins such as meats, fish and well-cooked eggs are essential for the proper growth of the embryo. During pregnancy, iron levels are very low, so it is advisable to eat red meat. Calcium is essential for the formation of bones and baby's teeth, but it is not strictly necessary to take whole milk, but there is also semi-skimmed or low fat milk and enriched with calcium or vitamins A + C. In addition, 3 servings daily are recommended including also other dairy products such as yogurts and cheeses.


">> reducing regulation > You do know that monopolies and mega corporations are bad for consumers  Reducing regulations is FIRST(!) to help small business, because only big companies can handle regulations. Please study economics first.  >> killing the PTT  > Debatable at best.   Really? The TPP is still alive and will be voted and accepted by the USA under Trump? Yes or no?  >>killing NAFTA  > See above.  Really? Does president Trump support NAFTA, yes or no? Does he act against NAFTA, yes or no? Do you honestly think that NAFTA will continue unchanged under Trump, yes or no? **Best question, is NAFTA, signed by Clintons, a good thing, yes or no?**  >>reducing immigration  > Well, there's actually pretty strong evidence that increased immigration has a net positive impact on an economy.  Absolutely not. Legal immigration of qualified people is Ok, but they take jobs from Americans who are as qualified as them.  Trump is not against immigration!!!! He's against illegal aliens  who are criminals, uneducated, religious crazies, etc. There's zero benefit to the USA and economy from those people.  >> investing in infrastructure  > I guess this depends on the type...  Does Trump invest in infrastructure and has big plans to invest in it? Yes or no. No stories please.  >> pulling out from wars (Syria)  > When was the last time bombing a foreign country was used as a strategy for pulling out of a war?   Under Obama, 8 years, constant war with MORE countries and places. Yes or no?  Under Trump, he killed the CIA ""program"" to ""support the ""rebels"" against Assad"". Read about it, but not on fake-news MSM channels, where you won't find it.  Under Obama, the war in Syria and the disastrous ""Arab Spring"" started ONLY BECAUSE the USA did not support the strong leaders tyrant Arabs have. Arabs are not ready for democracy. In the case of Syria, which I am extremely familiar with, under Assad and his father, Christian, majority Sunni and even Jews and Druze were safe and the Assad(s) did not hurt them. Assad is in power because he's part of the 20% minority Alawites (most secular Muslims you can find) which the majority Muslim Sunnis (the craziest of the Muslims) want to kill. So, instead of support Assad, the USA actively supported the ""rebels"" who are far worse than the Alawites.  And I don't want to discuss ISIS with you which is only because of the actions of the USA."


You should constantly look at your investment portfolio and sell based on future outlook. Don't get emotional. Selling a portfolio of stocks at once without a real reason is foolish.  If you have a stock that's up, and circumstances make you think it's going to go up further, hold it. If prospects are not so good, sell it. Also, you don't have to buy or sell everything at once. If you've made money on a stock and want to realize those gains, sell blocks as it goes up. Stay diversified, monitor your portfolio every week and keep a reserve of cash to use when opportunity strikes. If you have more stocks or funds than you can keep current on every week, you should consolidate your positions over time.


> But this isn't cash though, its credit card.  Which is essentially cash, is it not? If I pay you with a credit card, your bank account gets cash. It gets cash from the credit card company.  And yes, of course you'll have to report the incident. You're a victim of theft. The person whose credit card was stolen is also a victim of theft.  Tell me why you have a *right* to someone else's stolen money.


Yo, pede, are you triggered??!!   It's obvious you're profoundly based but you greatly overstate my case ... historically/traditionally/economically, **ANY** president's economy over the first 6-9 mos is driven by the president before him. This has nothing to do with the god-emperor <laugh&facepalm> just historical economics. Certainly there are psychological factors in play, but it's not like flipping a light switch. There's an *enormous* financial mass operating here and it takes a good deal of time to move and turn.  So, we good bro?  (BTW, re: god-emperor, wasn't that the guy in the *Dune* book who took drugs so he could turn into a worm? Just sayin.)


Chip and Pin cards are popular in Europe, however in the US we don't have them.  Visa/MC and Amex can issue chip and pin cards but no merchants or machines are set up here to take them.  Only certain countries in Europe use them and since you could possibly have a US visitor or a non-chip and pin person using your machine or eating at your restaurant they usually allow you to sign or just omit the pin if the card doesn't have a chip. It is definitely less secure, but the entire credit card industry in the US is running right now without it, so I don't think the major credit card companies care too much (they just pass the fraud on to the merchants anyway).


Look at [Nike's 10K Annual Report From 2016](http://s1.q4cdn.com/806093406/files/doc_financials/2016/ar/docs/nike-2016-form-10K.pdf).  It is bull.  About 50% of their main business comes from North America.    Big businesses suck for this reason.  Small business owners get taxed more than you.  (Their effective tax rate in 2016 was 18.7%)


question #2 - yes, 25% of your 1099 income. Good idea. It adds up quickly and is a good way to reduce taxable income.


Seriously.  Nobody wants another exclusive platform at this point. So all it can be is another open platform to play games on. Something like one of those Razor Nvidia thingamagigs. An android console was already tried multiple times and failed, nothing revolutionary. Just another cash grab at the Atari name. Microsoft barely broke into the console market after dumping billions into the console. No one is going to dump billions into Atari at this point. Even Facebook after buying occulus is very careful with it right now.


">Besides, if banks are so evil, why would I ever do any business with them?  Are you not familiar with the phrase ""a necessary evil""?  You must understand that the major difference between borrowing from an individual and borrowing from a financial institution is that the latter factors the risk of default into its business model.  The bank expects a certain percentage of its borrowers to default and manages its risk accordingly, which is why there are such things as credit scores and variable APRs in the first place.  Your bank doesn't ""trust"" you any further than it could throw you."


Problem with Boston is infrastructure. Not internet but general infrastructure. I don't know if the city itself is prime enough. Amazon would become a traffic and parking problem unto itself. That being said, the surrounding area is huge has open land and employees are probably happy to commute.  Their greatest advantage is nexus distance from Seattle.


From the non-authoritative Investopedia page: A stop-limit order will be executed at a specified price, or better, after a given stop price has been reached. Once the stop price is reached, the stop-limit order becomes a limit order to buy or sell at the limit price or better. So once the stop price has been breached, your limit order is placed and will be on the order books as a $9 ask. For a vanilla stop order, a market order will be placed and will be filled using the highest active bid(s).


"I've seen various blog posts (mostly from Penelope Trunk) refer to ""optimizers"" versus ""settlers.""  The optimizers are the go-getters, the ones always on the move, trying to optimize their time, their life, their experience, etc.  They tend to be younger, on average, live in bigger cities, and on the whole, tend to be less happy.  The settlers are the ones who settle for what is, live in smaller cities, and tend to be happier, albeit ""less interesting"". Assuming that your idea of ""slowing down"" refers to moving away from that maximizer lifestyle, yes, I think you'll probably save money.  Apparently it costs money to be unhappy!  Going out for meals everyday, going out with friends every evening, shopping for the latest and greatest whatever, buying the newest gizmo, trading up your car every 3 years, traveling every other weekend to far-off places, making your life ""interesting"" - these all cost, and far more than their opposites. Take time to be happy with what you have - enjoy your comfortable and broken-in shoes, enjoy your paid-off car, enjoy some quiet alone time with a good (library) book, appreciate the delicate tastes of a homecooked meal over the in-your-face greasebomb of restaurant food, take a walk, shut off the latest Apple iDevice, and just be.  You'll save money, find calm, and feel refreshed. *Apologies for waxing philosophical - though the connotations of ""slowing down"" sort of insist on it :)."


They are 2 different class of shares belonging to the same company. Class A shares [par value of 0.01] have 100 voting rights per share. Class B shares [par value of 0.0002] have one voting rights.  Both are listed separately with different ISN and trade at slightly different values. The Class A at higher value than Class B which looks right as it has more voting power.


I was just thinking the same thing.  If you incentivized all the people involved in incarcerating insider traders and other fradulent wall st behavior based on a % of settlement/penality/falsely accumulated net worth people would pursue this with so much more passion.


I've been told by staff in my local car hire agency that they get such big discounts that they actually make money selling the cars, so they replace all their cars every six months (in the UK the number plate indicates when the car was registered, in six month periods). This suits the manufacturers, because it means they can offer a lower-cost product to price sensitive customers, while charging more to people who want something brand new. For example, you could buy a brand new Fiesta for £14,000 or a 6 month old version of the same car with a few thousand miles on the clock for £12,000. This means if you only have £12,000 then you can afford to buy a nearly new Fiesta, but if you can afford a bit more then Ford will happily take that off you for a brand new Fiesta. Ford sell an extra car, and if the car hire company only paid £11,000 then they make some profit too.


Global warming is not flaw of capitalism. It is due to crony capitalism.  In the economic theory I told you about, it is called externality. Usually externality are handled via regulation. For global warming, best way to do this would be via carbon tax and etc which most economist support.  The whole market solving everything by itself is myth created by republicans. All economist agree good regulations are needed on certain areas.  You are right that you can't credit capitalism for us success, but those natural resources only go so far. It really is the strong institution we have in US capitalism that made us so special.  There are tons of research on effect of natural resources already.  I am not asking you to refute me, but google some lectures on some ideas starting with Ricardian theory. It really is eye opening stuff. It was for me at least.


"Your conclusion there is very wrong. Labeling laws are never designed to intentionally mislead. Yes, sometimes they fail, and can often be abused, but generally speaking the majority of our labeling laws are pretty good. There are plenty of issues, but it's an extremely complex thing, and there are bound to be issues. Most at least have a reasonable justification.   Though not all. See also ""natural"" versus ""artificial,"" which is a crock of shit."


Paying down your mortgage saves lots of interest. With a long term mortgage you end up paying twice us much to the bank than the sales price of the house. Even low mortgage interests are higher than short term bonds. The saving of those interest are as much an investment as the interest you get from a bond. However, before paying off a mortgage other higher interest loans should be paid off. Also it should be considered if the mortgage interest create a tax reduction in the comparison with any other options.


According to Clark Howard you should use your cards every 6 months to keep them in your active credit score mix.


That sounds pretty fishy to me.  I'm an IT professional - I can determine more about him if I have full access to the email headers.  Just give me your email and your password so I can log in and check the email he's using to contact you.


"The Form 1040 (U.S. tax return form) Instructions has a section called ""Do You Have To File?"".  Below a certain income, you are not required to file a tax return and pay any tax.  This amount of income at which you are required to file depends on several things, including your dependency status (you are a dependent of your parents), your marital status, and other factors.  The instructions have charts that show what these numbers are.  You would fall under Chart B. Assuming that you are under age 65, unmarried, and not blind, you only have to file when you reach the following conditions: Your unearned income was over $1,050. Your earned income was over $6,300. Your gross income was more than the larger of— $1,050, or Your earned income (up to $5,950) plus $350. (Note: Income from YouTube would count as ""earned income"" for the purposes above.) However, if you are producing your own videos and receiving revenue from them, you are technically self-employed.  This means that the conditions from Chart C also apply, which state: You must file a return if any of the five conditions below apply for 2015. As a self-employed person, you can deduct business expenses (expenses that you incur in producing your product, which is this case is your videos).  Once your revenue minus your expenses reach $400, you will need to file an income tax return."


"Kid, you need to start thinking in thresholds. There are several monetary thresholds that separate your class from a more well funded class. 1) You cannot use margin with less than $2000 dollars Brokers require that you have at least $2000 before they will lend to you 2) In 2010, Congress banned under 21 year olds from getting access to credit. UNLESS they get cosigned. This means that even if you have $2000, no broker will give you margin unless you have a (good) credit history already. There was a good reason for this, but its based on the assumption that everyone is stupid, not the assumption that some people are objective thinkers. 3) The brokers that will open an account for you have high commissions. The commissions are so high that it will destroy any capital gains you may make with your $1000. For the most part. 4) The pattern day trader rule. You cannot employ sophisticated risk management while being subject to the pattern day trader rule. It basically limits you from trading 3 times a day (its more complicated than that read it yourself) if you have less than $25,000 in one account. 5) Non-trade or stock related investments: Buy municipal or treasury bonds. They will give you more than a savings account would, and municipals are tax free. This isn't exactly what I would call liquid though - ie. if you wanted to access your money to invest in something else on a whim. 6) What are you studying? If its anything technical then you might get a good idea that you could risk your money on to create value. But I would stick to high growth stocks before blowing your $1000 on an idea. Thats not exactly what I would call ""access to capital"". 7) Arbitrage. Lets say you know a friend that buys the trendy collectors shoes at discount and sells them for a profit. He might do this with one $200 pair of tennis shoes, and then use the $60 profit different to go buy video games for himself. If he wanted to scale up, he couldn't because he never has more than $200 to play with. In comparison, you could do 5 pairs ($200 x 5) and immediately have a larger operation than him, making a larger profit ($60 x 5 = $300, now you have $1300 and could do it again with 6 pairs to make an even great er profit) not because you are better or worked at it, but solely because you have more capital to start with. Keep an eye out for arbitrage opportunities, usually there is a good reason they exist if you notice it: the market is too small and illiquid to scale up with, or the entire market will be saturated the next day. (Efficient Market Theory, learn about it) 8) Take everything I just taught you, and make a ""small investor newsletter"" website with subscribers. Online sites have low overhead costs."


It's not that they don't understand email, but that they don't want to use it.  It's like the writer who still use old computers or typewriters because that's what they feel comfortable with. Or RMS who though is deeply involved in technology, still doesn't use a graphical browser.  To a general, how would email ever factor in on the battlefield as opposed to say radio systems?


Employee badges are designed to track your location. If you don't want your activities within a company to be tracked, you wouldn't be able to work for many companies. I don't understand why you think you deserve the same privacy at work that you get at home.  My transit card has a microchip. Do you seriously think it does anything other than perform transit transactions?


Starting from information of a business for sale in MN to that of handing over the business, everything is dealt very smoothly by the experts in the field. To make things favourable and ensure the deal is correctly signed business brokers play an inevitable role.


I suspect @SpehroPefhany is correct and that your bank will cash a check from the US Department of the Treasury.  Especially since they're the same ones who guarantee the U.S. Dollar.  They may hold the funds until the check clears, but I think you'll have good luck going through your bank.  Of course, fees and exchange rate are a factor.   Consider browsing the IRS and US Treasury Department websites for suggestions/FAQs.   I suggest you line up a way to cash it, and make sure there's enough left after fees and exchange rate and postage to get the check that the whole process is worth it, all before you ask it to be shipped to you.   If there's no way to do it through your bank, through a money exchange business (those at the airport come to mind) or through your government (postal bank?), and the check is enough that you're willing to go through some trouble, then you should look into assigning power of attorney for this purpose.  I don't know if it is possible, but it might be worth looking into. Look for US based banks in your area.


If the card has no annual fee, you can keep it for as long as you like and you will never get charged. I advise you to GoPaperless so you stop getting the $0 bills every month. Many cards have the fee waived for the first year. If you have such a card, you should make sure to cancel it when you stop using it, or when the fee waiver expires.


Ignoring brokerage fees and the wash-sale rule (both of which are hazardous to your health), and since the 15% LTCG tax is only on the gain, the stock would have to drop 15% of the gain in price since you originally purchased it.


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There are some excellent related questions and answers at moms4mom.com on the subject of children and allowances / pocket money.  Check these out:


For the lenders to sell their positions they need buyers on the other side. For a large brokerage that means they should always be able to find another lender. For many contracts the client may have no idea they are a lender as lending is part of their agreement with the broker


A company can issue different kinds of shares. For example, some kinds of shares may get preference in dividends or payment in event of (company) bankruptcy. Preferred shares are an example of this. A company might have several kinds of preferred shares and a 'common stock'. Here is a good explanation. See too the Wikipedia article about preferred stock. Toronto-Dominion Bank (TD) is an example of a company that has fourteen different preferred share issues, each with its own listing on the Toronto Stock Exchange (TSE) and symbol. TD has one kind of common stock, which is also listed on the TSE. However, TD common equity trades much more actively than the preferred shares. Remember that preferred stock is a different security type than common stock e.g. common has voting rights, preferred does not.


Market Capitalization is the product of the current share price (the last time someone sold a share of the stock, how much?) times the number of outstanding shares of stock, summed up over all of the stock categories. Assuming the efficient market hypothesis and a liquid market, this gives the current total value of the companies' assets (both tangible and intangible). Both the EMH and perfect liquidity may not hold at all times. Beyond those theoretical problems, in practice, someone trying to buy or sell the company at that price is going to be in for a surprise; the fact that someone wants to sell that many stocks, or buy that many stocks, will move the price of the company stock.


I can't. I really can't. I mean, when I can grab some microwavable chicken strips, white rice, and white corn, and prepare that inside of a few minutes, and have leftovers, what's the point of McDonalds again? There are plenty of meals that can be made quickly. McDonalds is chosen out of poor taste and/or ignorance of the alternatives. That said, nobody's ever been executed for poor taste (though sometimes I wish they were).


"If a company is doing well, it seems less likely to go bankrupt.  If a company is doing poorly, it seems more likely to go bankrupt.  The problem is, where is the inflection point between ""well"" and ""poorly""?  When does a company start to head into oblivion?  Sometimes it is hard to know.  But if you don't call that right and hold onto your shares when a company is tanking, others, who call it before you do, will sell off, devalue the share price, and now you've missed your chance to get out at a good profit.  If you hang on too long, the company may just go bankrupt and you've lost your investment entirely. A healthy profitability of the company therefore has to bolster investor confidence in avoiding this very unpleasant scenario.  Therefore, the more profitable a company is, the more shareholder confidence it inspires, and the more willing to pay for it in the form of increased share price.  And, this then has a ""meta"" effect, in that each shareholder thinks, ""all other investors think this way, too,"" and so each feels good about holding the stock, since he knows he can likely easily liquidate it for good cash if he needs to, either now or in the next year or sometime hence."


Quality of life, success and happiness are three factors that are self define by each individual. Most of the time all three factors go hand by hand with your ability to generate wealth and save.  Actually, a recent study showed that there were more happy families with savings than with expensive products (car, jewelry and others).   These 3 factors, will be very difficult to maintain after someone commit such action. First, because you will fear every interaction with the origin of the money.  Second, because every individual has a notion of wrong doing.  Third, for the reasons that Jaydles express. Also, most cards, will call you and stop the cards ability to give money, if they see an abusive pattern. Ether, skipping your country has some adverse psychological impact in the family and individual that most of the time 100K is not enough to motivate such change.   Thanks for reading. Geo


Lets be realistic here 95% of people that go to sea world don't give a shit about anything but seeing some guys doing tricks on jet ski's, the dolphin shows, and sitting in the splash zone for Shamu's show.   They are brain dead consumers trying to shut up their children and seaworld offers a slightly more educational experience that makes them feel like better parents.   Seaworld is like the fruit loops of the cereal section, it's still basically candy but it kind of looks like cheerios and has fruit in the name so parents feel better about buying it than Cinnamon Toast Crunch.


"When you have nothing and you need to build new, this is the best situation, but you need to partner with the Customer Support Manager, since it all come down to process management and reporting needs.   First of all, what are you in the company, do you work in Customer Service, IT or just an office worker who randomly got picked do it?   Secondly, do you have any budget? Do you have to code the whole thing, or can you licenses a platform or go open-source?   Thirdly, what do ""they"" want from the system? Do they want to track sales leads, sales, budget, customer service issues, do they want to track trucks and payloads? Are there any business measurements, they want, like NPS, CSAT, TAT, AHT.   Fourth: Are they willing to changed their working processes? If not, then all you really need is a system, where you can look up information and tie it to a account.    Source: I do this for a living"


"Orders large enough to buy down the current Bid and Ask Book are common. This is the essential strategy through which larger traders ""Strip"" the Bid or Ask in order to excite motion in a direction that is favorable to their interests. Smaller traders will often focus on low float/small cap tickers, as both conditions tend to favor volatility on relatively small volume."


What really matters is of course how it compares to future prices. Are we making the assumption that the future prices will be more like the average over the last 100 years (which, by looking at your diagram, we seem to be one standard deviation or so above)?


To figure this out, you need to know the price per share then vs the price per share now.  Google Finance will show you historical prices.  For GOOG, the closing price on January 5, 2015 was $513.87.  The price on December 31, 2015 was $758.88.  Return on Investment (ROI) is calculated with this formula: ROI = (Proceeds from Investment - Cost of Investment) / Cost of Investment Using this formula, your return on investment would be 47.7%.  Since the time period was one year, this number is already an annualized return.  If the time period was different than one year, you would normally convert it to an annualized rate of return in order to compare it to other investments.


Guilty as charged.  Edit: And given the fact that [online grocery shopping has tried and failed in the past](https://techcrunch.com/2013/09/27/why-webvan-failed-and-how-home-delivery-2-0-is-addressing-the-problems/) I don't feel my assessment is a mere statement of the obvious. It is at least somewhat remarkable that a company that doesn't fail much is aggressively undertaking something that used to be a bad idea.


I still don't get what exactly would change.  UK already has a different currency than the EU.  Would British people be able to still easily live & work in other EU countries?  or would they need Visas after the divorce?


It's OK if he has good reasons not to invest. This has happened before and this will happen again.   What's not cool in my book is saying stuff like 'people who are bullish on India haven't been to India'. Really? I mean have you been to Russia? Try to venture outside Moscow during late hours Or try to drive a rental vehicle.


"You're ""onto"" something. Investing in real estate was not a bad idea about 10-15 years ago, when stocks were high, and real estate was not. On the other hand, by about 2006, BOTH stocks and real estate were high, and should have been avoided. And around 1980, both were LOW, and should have been bought. I expand this construct to include gold and oil. Around 2005, these were relatively low, and should have been bought over stocks and real estate. On the other hand, ALL FOUR are high right now, and offer comparable dangers."


I am only familiar with American banks, but generally speaking, they will work with you if you can demonstrate that you have an adequate average income over a period of time. It is likely they will want a record of your income for at least the last 24 months (more would be better). The terms of the individual contracts (i.e. termination clauses, etc.) shouldn't be important as long as you have a demonstrated history of making a good income. I'd recommend finding a bank that performs manual underwriting, i.e. they actually have someone on staff that will look at your credit history, income, debt ratios, as opposed to them just generating an offer based on a computer model. Lending standards can vary quite a bit from bank to bank, and you have not listed your average annual income, so it is difficult to say whether they will offer you a mortgage, or for what amount, but you have a significant down payment. However, assuming that your numbers are good and that you can find someone intelligent to work with, it's unlikely that they will deny you simply because your income is uneven. Best of luck!


Their business model was based on annoying your friends with constant ads.  Evertually Facebook is going to see things like Zynga as parasites instead of adding value - people who thrive on Facebook as an advertising platform without paying Facebook for ads, while simultaneously reducing the pleasure of the user experience as any distracting advertisement would.  I get annoyed when my Facebook queue is flooded with details of my friends' gameplay.  I'm Facebook is aware of this.  Being a thorn in the side of the owner of your platform is *not* a good business-model.


> Don't you think the fact that most of the world's wealth is concentrated in that top 1% has something to do with that?  Poor people have far, far more children than the rich.  Rich people have on average 1.5 children.  Some countries in Africa average 7-10 children per woman.  There's absolutely no way to not end up with crippling poverty and inequality with breeding habits like that.


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If you have a great technical trading system that gets you winning trading 80-85% of the time in backtesting, the question should be why are you not trading it? To get a better idea of how good your trading system is you should work out your expectancy per trade. This will tell you how much you should make on average for every trade you take. Expectancy not only considers your win rate but also you win size to loss size ratio. For example if you are getting winning trades 80% of the time but your average win size is $100, and your 20% of losses average $500, then you will still be losing money. You should be aiming for an average win size of at least 2.5 to 3 times you average loss size. This will provide you a profitable trading system even if your win rate is 50%. If your trading system is really that good and provides a win size of at least 2.5 times your loss size then you should be actively trading it. Also, if you put your trading system out there in the public domain together with your trading results you will actually find that, quite opposite to what the consensus above is, your results from your trading plan should actually improve further. The more people acting on the outcome of a signal in the same direction the higher the probability that the movement in the desired direction will actually occur. If you are looking to make money from your trading ideas, no one will pay anything unless you have real results to back it up. So if you are so confident about your system you should start trading it with real money. Of course you should start off small and build it up over time as your results eventuate as per your simulations.


"Actually, you started the crime before ""doing [the] mutually volunteer transactions"".  You started by violating the terms of the contract which are clearly stated on the coupon: 1 offer per household and no reproduction.  You used the same coupon over and over again.  That may not be a criminal offense, but the company could still find you liable for it.  It's what happens after you do the initial defrauding that'll get you in the biggest trouble."


Yeah but people have been renouncing their citizenship. Also most of these companies like Apple these are domiciled in Nevada and then internationally in Ireland. Like there's no way to get 50 states to agree on a state income tax so it's a race to the bottom state-wise. And then federally they just move offices to Dublin and domicile there.


Long Straddle:  \\/  Assuming you're trying to straddle the spot price, it will be more expensive to set up than a strangle as options strikes near the spot are more costly. Any price movement will regain against what was spent to acquire the options.  Long Strangle:  \\_/  Assuming you're trying to strangle the spot price, it will be less expensive to set up than a straddle as the options strikes are away from the spot.  It will require a larger price movement than the straddle to begin to regain value against what you spent, as there is a dead zone between the strikes where both expire worthless.  The / is the gain from a price movement up from the increase in value of calls; the \\ is the gain from a price movement down from the increase in value of puts.


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A major cause of the economic slow down in china in the last few years was due to the state run media over hyping their economic strength causing inflated stock prices all across the board. I'm wondering if its the same thing happening here at the individual level.


If your end goal is IB and you can get in to a good school, then the second one.  Otherwise, an MFin from a non-target school will be a difficult sell without experience, I think.   /r/financialcareers if you haven't tried already


Or they had too high overhead. If you can modernize and get the same output out of three facilities instead of 4, you do it. They would not have gone bankrupt in the first place if they made more money than they spent. :)


But that strategy - as well as the only overall smoking ban in Atlantic City - turned off customers, and Revel filed for bankruptcy in 2013  Beautiful. (Karma is a bitch.)  Maybe I'll go down there and smoke a stogie in front of it.


It is probably safe to throw away the receipt.  Without a system to process and store receipts, they are of little use. With regards to personal finances I'm guilty of preaching without practicing 100% of the time, but here are some arguments for keeping receipts. To reconcile your statement to receipts before paying the credit card bill  - people make mistakes all the time.  I bet if you have an average volume of transactions, you will find at least one mistake in 12 months. To establish baseline spending and calculate a realistic budget.  So many people will draft  a budget by 'estimating' where their money goes.  When it comes to this chore, I think people are about as honest with themselves as exercise and counting calories.  Receipts are facts. To abide by record keeping requirements for warranty, business, IRS, etc... Personally, the only thing I've caught so far is Bank of America charging me interest when I pay my bill in full every month!


That's the weird thing about job interviews, same as when I'm sure Ballmer interviewed for this teaching position - nobody cares how you actually did at your job, they just care you have experience doing it.  Edit: I'm sure the interviewers' eyes lit up when the former CEO of Microsoft wanted a teaching job at their school. Never mind the company's been stagnant the entire time he was running the show, but the former CEO of Microsoft, wow! /s


His business isn't producing anything of value. In fact a quick search and all I can see is people complaining about high stress sales people and payments larger than their mortgage and never being able to use the time share they are paying for. If he is having troubles it likely has to do with his business plan being complete shit.


The risk besides the extra interest is that you might be upside down on the loan. Because the car loses value the moment you drive off the lot, the slower you pay it off the longer it takes to get the loan balance below the resale value. Of course if you have a significant down payment, the risk of being upside down is not as great. Even buying a used car doesn't help because if you try to sell it back to the dealer the next week they wont give you the full price you paid. Some people try and split the difference, get the longer term loan, but then pay it off as quickly as the shorter term loan. Yes the interest rate is higher but if you need to drop the payment back to the required level you can do so.


While in London for a month about a year ago, I had similar issues. I ended up getting a prepaid chip-and-pin card that was filled with cash. I don't remember the retailer that sold me this, but I figure it'll give you something to start your search.


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It's actually pretty simple. Tax coal, gas, polluting air travel. Then subsidize renewable industries.  >global warming is a tax hoax.  You realize you just disagreed with 99% of scientists.  The alternative is to do nothing. Our children and grandchildren will be the ones who'll mostly pay the price.


Yes it most cases it is legal. Plus depending on how you look at it, the last payment of 1000 can be principal paid and interest was paid in initial installments.


"Most stock brokers are ""full service"" brokers. That is to say that you can so the same broker to buy different types of stocks, bonds, options, etc. in different markets. Some brokers are very specialized and won't allow you to do that. But those are probably brokers you don't want to use."


"If you wish to lend them the money, make the check payable to the order of  ""loan"", not directly to your son or daughter."


I have no argument for or against it, hence the grey area. My heart wants to provide the service to everyone, while my brain tells me to do a cost-benefit analysis.  People in the US opposed to UK or Canada style medicine cite access to medical help as the reason but I don't have any experience with either nor has it been a big deal for me so far.


Al-Jazeera is a bit more complicated as they are state-funded by Qatar, but Qatar has a more complex internal power structure than Putin's virtual domibance if Russia and a far more complex regional situation having recently become ostracized by its neighbors. Again, plenty of decent articles but the real agenda is not necessarily journalism. Qatar, like Russia, very much wants to be considered a peer of the rest of the developed, primarily Western, world. Unsurprisingly, the next two World Cups (of football/soccer) of 2018 and 2022 are scheduled to be held in Russia and Qatar respectively. So news media is just one tool of this push for influence and soft-power.


IT IS THE SAME WITH FOSSIL FUELS  oil goes in one end of pipe by 20 different suppliers,  buyers by from the other end of the pipe by 20 different buyers.  The actual oil you receive from the end of the pipe may have been put in by your competitor. Yet you are buying it at the right price,  thus helping the overall infrastructure.


That is unfortunate. I am glad you were just a retail manager, as that mind frame is extremely poor. You have to build your team for your company to be successful, and that includes treating them with respect and providing pay relevant to their work (which, no matter the industry, should be at the minimum enough to live basically off of)  Source: Executive level recruiter and consultant  Perhaps we should get some people that are over 25 and actually work in higher positions in on the discussion, rather than bitter Wal-mart managers


You normally only pay taxes on the difference between the sale price and the cost basis of the asset. In your example, you would probably pay taxes on the $10 difference, not the full sale price of $110. If you paid a commission, however, you would be taxed on your gain minus the commission you paid. Since you held the asset for less than a year, you wouldn't pay the long-term capital gains rate of 20%; you'd be taxed on the capital gain as if it were ordinary income, which depends on your federal income tax bracket. Also, littleadv makes a good point about the implications of buying the asset with after-tax funds too, so that's another part of the equation to consider as well.


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"There are two ways to handle this. The first is that the better brokers, such as Charles Schwab, will produce summaries of your gains and losses (using historical cost information), as well as your trades, on a monthly and annual basis. These summaries are ""ready made"" for the IRS. More brokers will provide these summaries come 2011. The second is that if you are a ""frequent trader"" (see IRS rulings for what constitutes one), then they'll allow you to use the net worth method of accounting. That is, you take the account balance at the end of the year, subtract the beginning balance, adjust the value up for withdrawals and down for infusions, and the summary is your gain or loss. A third way is to do all your trading in say, an IRA, which is taxed on distribution, not on stock sales."


Hmm, i know ive read that consumer spending stimulates an economy more than investment somewhere, and that it is the weak middle class and lower consumer spending that is causing our sluggish economy.  Ill have to find it.  Also, youhave the theory that decreasing the income gap helps society in many other ways, lowers crime, mental illness, increases hapiness for the poor AND the rich of the country...  http://www.amazon.com/Spirit-Level-Equality-Societies-Stronger/dp/1608193411


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Having your own list and marketing to it is essential. What happens when any of those social platforms changes their TOS? You are totally dependent on another platform for your business. I wouldn't do that. Do social, sure, but have your own email list.


"The point is that as it spreads, it hits the people who aren't poor, and those people will pay anything they have for a cure.  So it's a sudden market opportunity.    I can even imagine a company discussing this in a board room, saying that if they just hold off a while, the sheer panic will artificially drive up the market value at the ""lamentable"" (I see them doing Austin Powers style air-quotes here) cost of a ""few"" unfortunate lives.    Allegedly, [the problem in the first place](http://www.vox.com/2014/7/31/5952665/ebola-virus-vaccine-why-hasnt-it-happened) is that investors didn't want to bother with this because it wasn't originally lucrative, so *some* such discussion must have happened."


"We're screaming about it because we're barely hanging on by our fucking fingernails, and more taxes will suck all the cash out of our businesses and push us over the edge.    I find it weird that the people who complain most about big box corporations are also the ones screaming for more government involvement in the marketplace, which acts as a regressive tax in the business ecology, and selects for the largest corporation.  I for one think you can shove your ""sensible, smart decision"" through my *accounting program* and figure out how to make payroll, when I have to take out a *loan* to pay my taxes."


"So the status quo is at it again since RT hasn't joined the circlejerk of ""election meddling"" and actually allowed refutation of it, and how clever of the author to drop ""election meddling"" like a matter of fact lol!   When will USA own up to the fact that their own people elected the carrot?  Sanctions other country's weapons manufacturer means boom of American weapons. Oh goodie! More wars and invasions coming up in the next decade!"


"The only party that can pay back a government bond is the government that issued it itself. In the case of Argentina, US vulture funds have won cases against it, but it has yet to pay.  The best one can do to collect is to sue in a jurisdiction that permits and hope to seize the defaulted government's assets held in such jurisdiction. One could encourage another state to go to war to collect, but this is highly unlikely since a state that doesn't repay is probably a poor state with nothing much to loot; besides, most modern governments do not loot the conquered anymore.  Such a specific eventuality hasn't happened in at least a lifetime, anyways.  It is highly unlikely that any nation would be foolish enough to challenge the United States considering its present military dominance. It is rare for nations with medium to large economies to spurn their government obligations for long with Argentina as the notable exception.  Even Russia became current when they spontaneously disavowed their government debt during the oil collapse of 1998. Countries with very small economies such as Zimbabwe are the only remaining nations that try to use their central banks to fund debt repayments if they even repay at all, but they quickly see that the destruction caused by hyperinflation neither helps with government debt nor excessive government expenditure. Nevertheless, it could be dangerous to assume that no nation would default on its debt for any period of time, and the effects upon countries with defaulted government debt show that it has far reaching negative consequences. If the US were to use its central bank to repay its government obligations, the law governing the Federal Reserve would have to be changed since it is currently mandated to ""maintain long run growth of the monetary and credit aggregates commensurate with the economy's long run potential to increase production, so as to promote effectively the goals of maximum employment, stable prices and moderate long-term interest rates."" The United States Treasury has no power over the Federal Reserve thus cannot force the Federal Reserve to betray its mandate by purchasing government debt. It should be noted that while Japan has a government debt twice its GDP, it also has a persistent slight deflation which has produced incredibly low interest rates, allowing it to finance government debt more easily, a situation the US does not enjoy. For now, the United States seems to be able to pay expenditures and finance at low interest rates.  At what ratio of government debt to GDP that would cause interest rates to climb thus put pressure on the US's ability to repay does not seem to be well known."


"You don't ""need"" your refund to be as small as possible, but you usually would want it to be as small as possible. The reason people say you should aim for a small refund is that getting a big refund means you paid more in taxes than you had to.  This means you gave away money that you could have done something else with.  You get the money back later as a tax refund, but you lost the ability to use it during the time the government had it. For instance, if as you say you are getting a $1000 tax refund, that's $1000 that you are giving to the government over the course of the year.  At the end of the year, you get it back, so you end the year with $1000.  If you instead kept the money, (by paying only exactly as much tax as you owe throughout the year) you could invest it somehow, so that by the end of the year it could potentially have grown to, say, $1050.  Thus at the end of the year you would have $1050 instead of $1000. Ideally you would have zero refund and owe zero extra at the end of the year.  However, since it is often difficult to make things work out so exactly, people often say you should aim for a small refund. Assuming you are in the USA, if your income is only $9000 you will likely not owe any federal income tax at all, so you could claim exemption from withholding and avoid paying any tax ahead of time.  You could check this when you file your taxes by seeing if the refund you get is equal to the total of taxes withheld from your paychecks over the course of last year."


Assuming that you don't own the business, it would seem to apply. The CRA says: If you were a resident of Quebec on December 31, 2016, and you did not have a business with a permanent establishment outside Quebec, your refundable Quebec abatement is 16.5% of the basic federal tax on line 55 of Schedule 1. If you had income from a business (including income you received as a limited or non-active partner) and the business has a permanent establishment outside Quebec, or you were not a resident of Quebec on December 31, 2016, and the business has a permanent establishment in Quebec, use Form T2203, Provincial and Territorial Taxes for 2016 - Multiple Jurisdictions, to calculate your abatement. For people whose income isn't coming from businesses they own, this seems quite clear.


"Generally, you're only supposed to claim from FSA the amounts you actually paid. The rebate reduces the costs, so it should also reduce the amounts you claimed from FSA. That would make the rebate ""after-tax"" money. However, in reality, many people ""cut the corners"" and double dip by submitting the full receipt to the FSA and getting a rebate. That would not be entirely legal to the best of my understanding and I'd advise against it. If the FSA administrators know about the rebate program - they will ask you if you got/will get a rebate and reduce the FSA payout accordingly."


What most people who dislike globalization don't realize is that by letting companies do what is best to distribute their companies across the globe based on least cost to them, it actually equalizes the economies in the long run and eventually causes jobs to return to US as costs rise along with standard of living in foreign countries. As long as the USA competes well against other countries, especially on taxes to do business, to attract business to the USA there should be no long term fear of companies keeping jobs overseas.


Not even an LA thing. There are three in Orange County, and one in Downey — in the entire state.  A small number of store is very likely going to skew the data. It should have been limited to chains with a minimum of say 25 stores in a state.  But BI and Forequare knew that going into their report because there was so much drama over the one they produced last year.   And there seems to be even more outrage this year, with numerous articles on the report.


Several people have mentioned the obvious: inflation.  But let's assume we are talking about real (inflation adjusted) prices. One argument is that populations keep rising while the land does not change.  So the price of homes in desirable places gets pushed up and people move to second-best locations, pushing those prices up, etc.  Similar Malthusian argument holds for raw materials (steel, granite, fine wood, etc.). Another argument is that the economy has a long-term upward trajectory (that's the assumption).  So each generation, as a whole, has more disposable real income than the previous.  As disposable income increases, people tend to put more and more money into their homes, pushing prices up.  True for all goods, of course, but it may be more true for real estate than for other types of goods.


"So long as you have complete, virtually instant access to funds through checks, debit card, or ATM transaction, then yes it would be a better option than a ""vanilla"" savings account.   If it's in a brokerage account that you would need to process a transfer and potentially wait a few days for everything to settle, then I would just keep it in savings. The amount earned in interest isn't worth the extra hassle.  A compromise might be to keep a few thousand in a savings account and the rest in a money market.  That way you earn some interest and still have instant access to enough funds to cover most emergencies."


I don't know any clever way to do what you're describing.  And, in a sense, you can see why there might not be one.  A mortgage isn't just a magical way to reduce your housing expenses; it's a tradeoff in which you agree to a long-term commitment in exchange for fixed costs (or at least costs with a prearranged structure) over that long term.  If you're unwilling to accept the obligation of paying for and maintaining the property over a long period, you can't really expect to reap the benefits of lowered costs.  Part of the reason people say buying is better is because people often do live in the same place for a long time, in which case, if they rent, they might miss out on savings they could have had if they bought instead.  If you're not going to live in the same place for a long time, buying may not actually be better for you.


"Yes, it is possible to withdraw money from your Roth IRA before retirement (but I wouldn't necessarily advise you to do so.)  Here's the good news, and the bad news: The good news: Unlike a traditional IRA, money contributed to a Roth IRA is done so on an after-tax basis, meaning you don't benefit from a tax deduction on contributions. So, the money you withdraw from your Roth IRA will not be taxed entirely as ordinary income. In fact, you are allowed to withdraw the amount of your original contributions (also known as basis) without any taxes or penalties. Let's imagine you originally deposited $9000 of that current $10K total value – then in such a case, $9000 could be withdrawn tax and penalty free. The bad news: When it comes to the investment earnings – the other $1000 in my example –  it's a different story:  Since you wouldn't be age 59 1/2 at the time of withdrawal, any money taken out beyond your original contributions would be considered a non-qualified withdrawal and subject to both ordinary income taxes plus a 10% early withdrawal penalty.  Ouch! Perhaps you might want to restrict your withdrawal to your original contributions.  I would imagine if you've had the account for such a short period of time that much or all of your account value is original contributions anyway. A good article about the rules for early IRA withdrawals is About.com's Tax Penalty for Early Distribution of Retirement Funds. Note: If your Roth IRA funds were the result of a rollover from another account type, other rules may apply. See Roth IRA (Wikipedia) for more detail; search for ""rollover"". Regarding the withdrawal process itself and the timing, you should check with your account custodian on how to proceed."


I am right there with you on this.  People who still buy disposable bottled water confuse the crap out of me(my family members included).  When there are so many options for long term use water bottles, plastic bottles are unnecessary.


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A loan that does not begin with at least a 20% deposit and run through a term of no longer than 48 months is the world's way of telling you that you can't afford this vehicle.   Consumer-driven cars are rapidly depreciating assets. Attenuating the loan to 70 months or longer means that payments will likely not keep up with depreciation, thus trapping the buyer in an upside down loan for the entire term.


Thank you for the links I definitely appreciate the help. It looks like there won't be anything free that will be too helpful I just don't want to spend all that money when it's going to be provided to me anyways. I even tried the library and there's a single book in my state that has three holds before me.


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I believe that article provides some good reasons, though it may be a bit light on technical details and there are likely other reasons a company would do it. So, if they can finance for less then they would lose to taxes by bringing the money home and they do not take on too much debt, this will likely work just fine and increase share holder value. Hopefully, someone else can provide some other reasonable scenarios. The bottom line is that it does not matter how they finance the share buybacks and/or dividend payments as long as they do not shoot themselves in the foot while doing it.


"I am going to assume your location is the US. From what I am seeing it is unlikely you will get a loan other than some government backed thing.  You are a poor risk. At 7k/month, you have above average household income.  The fact that all of your income ""is being washed off somewhere"" is a behavior problem, not a mathematical one.  For example, why do you have a car payment?  You should purchase a car for cash. Failing that, given reasonable rent (1100), reasonable car payment (400), insurances (300), other expenses (1000), you should clear at least 4000 per month in cash flow.  Where is that money going?  Here tracking spending and budgeting is your friend.  Figure out the leaks in your budget and fix them. By cutting back, and perhaps working a second job or somehow earning more you could have a down payment for a home in as little as 10 months.  That is not a very long time.   Similarly we can discuss the grocery store.  Had you prepared for this moment three years ago you could have bought the store for cash.  This would have eliminated a bunch of risk and increase the likelihood of this venture's success.  If you had started this one year ago, you could have gone in with a significant down payment.  The bank would see this as a good risk if you wanted to borrow the remainder. Instead the bank sees you as a person as a poor risk.  You spend every dime you make without much concern for the future or possible negative events (by implication of your question).  If you cannot handle the cash flows of regular employment well, how can you handle the cash flows of a grocery business?  It is far more complex, and there is far less room for error.   So how do you get a loan?  I would start with learning on how to manage your personal finance well prior to delving into the world of business."


A protection similar to FDIC for banks is provided to brokerage accounts' owners by SIPC. Neither FDIC nor SIPC provide protection or insurance against identity thefts or frauds, only bank/brokerage failures. Your investment losses are obviously not insured either. For fraud liability check your bank/brokerage policies, you can get insurance for identity theft from your insurance provider (its an optional coverage with many home-owner/renter insurance policies).


To put on essential oils the safest place is the bottom of the feet. So, you must buy doterra essential oils. Why? It is because almost everyone can put essential oils there with no adverse reaction and the skin on the soles of the feet is less sensitive. While a few, like thyme, lemongrass and oregano can feel hot and must usually be diluted, most essential oils are gentle on the skin.


This is of course using 'new math'.  Namely, if I lend you $100 and you keep it for a month, I've lent you $100.  In fact, if I loan you $100 for a year I've loaned you $100.  But if I lend you $100 overnight, you pay me back in the morning, I lend you $100 overnight, you pay me back in the morning and we repeat that for a month, I've supposedly lent you $3,000.    That's some interesting math for sure.


There are mechanisms for determining how valuable a property is without resorting to artificial government valuations that can rise/drop in relation to the local economy.  The most interesting I'm aware of is to force a sale of a property for X times the tax the person is paying.  So for instance if I value my home/business property at 100K and the forced-sale-factor is 100x then I would pay at **least** 1k/year for taxes maybe a bit more just to be safe.  This also solves the imminent domain issue.  That is a bit science-fictiony though.  In reality using an average of similar recent sales, while imperfect, is good enough.   >Diversification is important in all kinds of investments.  I agree but governments can always raise rates or cut services or borrow in hard times, in general the property values should track fairly closely other forms of economic activity.


Pseudo scientific bullflop.  Notice a lot of the expenses are for catalytic conversion.  This whole article assumes the rise of the electric car, which will cease when true competition arises after Trump kills the welfare scam of the hybrid car cash give away credit .    If a hybrid car is the clear victor off the battle with oil then it will survive without the generous government subsidy.  But they can't, so they won't.


In my own case, my credit score went up drastically after I closed cards.  It did go down a bit (like 10 points) in the short term.  Within 6 months, however, I did see significant gains.  This would include closing the American Express card that I had for like 10 years.  According much of what I read, you should never close a AMEX card.   I did and it did not hurt me. What helps all this is that my utilization is zero.


Although heroin was here in the US prior to that, many US soldiers became addicted to it during the war then brought their addiction home and dramatically increased demand.   Some what similar to how US soldiers in World War II were given free cigarettes while deployed, became addicted and brought that habit back home greatly increasing the number of cigarette users in the US.


"This is but one opinion.  Seek others before your act. ""When someone puts a million dollars in your hand, close your hand."" A 50% gain in two weeks is huge."


In principle, the stock price should see no change in the days leading up to an earnings announcement, and then at the moment of the announcement, the stock price should move in the direction of the earnings surprise (relative to the market's belief of what earnings were going to be). In practice, stock prices tend to drift a little in the direction of the surprise shortly before the announcement and the associated price jump. This could be because smart investors were able to replicate the computations to predict the announcement or because information gets illegally leaked ahead of the announcement.  So I guess your bullet point B is a likely scenario. Note that hedging activity in the options market will not affect stock price one way or another.  Options transfer risk from one party to another but net to zero.  Intense hedging activity may be able to push up the price of options (increasing the implied volatility), but it shouldn't affect the price of a stock one way or the other. For this reason, bullet point A is not the case. Note that price behavior after the announcement is also interesting: it seems to take some time to reach the correct price instead of jumping directly to it as economists would predict.   This phenomenon is known as post earnings announcement drift.


And now it has come out about another breach in March.  They hired an outside firm to come in and do damage control.  Are we really to believe that the CFO had no knowledge of this before he sold his shares?  Seriously spending that kind of money (at least six figures per month) on an outside security consulting firm wouldn't require sign-off from the CFO?


"I think you're confusing risk analysis (that is what you quoted as ""Taleb Distribution"") with arguments against taking risks altogether. You need to understand that not taking a risk - is by itself a risk. You can lose money by not investing it, because of the very same Taleb Distribution: an unpredictable catastrophic event. Take an example of keeping cash in your house and not investing it anywhere. In the 1998 default of the Russian Federation, people lost money by not investing it. Why? Because had they invested the money - they would have the investments/properties, but since they only had cash - it became worthless overnight. There's no argument for or against investing on its own. The arguments are always related to the investment goals and the risk analysis. You're looking for something that doesn't exist."


If you don't want to employer a smoker, that's fine. It's pretty common in my secondary line of work to not even employee cigarette smokers.     But that doesn't mean it's necessarily the best policy for all jobs, or that it should be a default policy without further examination.   I'm judging this based on time spent working in call centers when I was younger and going to school. I was in workforce development at the place I have in mind, so part of my job was tracking productivity. They tried so hard to screen for marijuana, but still failed pretty hard, but ended up with so many people who were addicted to opiates and/or using meth.  Ideally, the perfect work force would be totally drug free, have no medical or mental health conditions, and all have experience and intelligence. But in a metro area that ranks in the bottom 10 for educational achievement, and where $10-12 an hour is considered good pay, that's not what they're going to get.


you think people like trump are taking advantage of an oversight?  the game is rigged.  people like him put these laws into place using their influence and connections in government to the detriment of everyone else.  or is that part of the game too?


"I don't think that qualifies as a ""letter of intent"". It is more of an introduction.   A very expensive lawyer once told me ""What is the point of a letter of intent? To negotiate a deal? Why enter an agreement to try and enter into an agreement?"""


> accessing all atms fee free, having services available 24/7, having robust, safe and audited online services, and having a big enough bank that all major third party tools interface with it.   You just described my single state credit union I've been with for 19 years now, and not the big bank I was with before (Wells Fargo).


Basically you don't pay your taxes then the state says you can't do shit with you property (most often if not only real estate). You can't sell it until your taxes are paid or some other arrangements is made so that the gvmnt gets their take from the sale. Keep it long enough and the property eventually becomes property of the government.


"I switched to the buy side, here is some things you should do.  First of all, you already had 6 interviews.  I would say the HR people are going to be less helpful because its harder to differentiate yourself.  If you are talking to an investment portfolio, and they ask you any of type of...  What are you interested in? How did you get into this space?  You better have multiple stock pitches lined up.  For example, on the the first question  I'm interested in IM because I was exposed at an early age by my parents.  Although I didn't know what I was doing, I kept following (STOCK 1, you're first crack in the doorway).  *more about your background stuff*  In fact, STOCK 1 turned out to be one of my best/worst trades.  I thought it was going here and it went there due to this and that and etc...*more info about stock 1*  Now, I like to look at names such as STOCK 2-5 because they are show (this multiple or that yield or these moats, depending on who you are talking to).  That is how you get a job through an informational interview.    As for how you get an informational interview?  Go run through linkedin.  Sort for investment management.  Any person you have a 2nd degree network or Group network is fair game.  Just shoot your common friend an email (hey whats up, i saw you were friends with X, i'm really interested in his company can you put me in touch).  Although the end person may never respond, the connection is like almost guaranteed to help (assuming you're a nice friendly person).  Recruiting for IM is a full time job.  Even other industries as well.  My roommate graduated Haas Business Undergrad program (top 3 in the country) in TWO years (not 2 letters and science + 2 business, but 2 total years) at 19 years old, took him a full year of recruiting and paying his own way out to NY to meet people to land an banking job (due to similar circumstances, as he was fully out of school and wasn't in the normal rotation).  What really concerns me is you keep saying ""analysis.""  It makes me think that you have no clue what you want to do.  Tell me what analysis means.  If you want to recruit for IM, you better be watching the markets everyday (esp if you are unemployed), have opinions on lots of companies, etc."


"That's the point that has been routinely missed throughout the entirety of the ""uber/lyft is killing NYC taxis debate."" Before uber/lyft even entered the city the number of medallions were being artificially deflated, which caused the cost per medallion to sore, but also caused massive consolidation. Thereby most medallions in the city were owned by people who didn't drive and owned many medallions, thereby essentially acting no different than a technologically impaired Uber while competing in a government sanctioned oligopoly. Uber, for the most part, isn't killing these small time entrepreneurs in NYC, it's disrupting mid size LLCs that were previously without real competition."


So are you saying neither the older generation or our generation (assuming you're under 35) are prepared for actually making decisions and being responsible?  Because couldn't one argue that corporations evolve with the environment around them? The same reason we have things like banks sponsoring gay rights parades. Which, I'm not saying is a bad thing for anything. Just the fact that we've made it acceptable for CEOs to do this stuff in the same way that, all things equal, would never have happened in 1995.


Yes it would be colluding. Most countries have well defined laws to prevent companies including banks from indulging in such activities.


In general, lump sum investing will tend to outperform dollar cost averaging because markets tend to increase in value, so investing more money earlier will generally be a better strategy.  The advantage of dollar cost averaging is that it protects you in times when markets are overvalued, or prior to market corrections.   As an extreme example, if you done a lump-sum investment in late 2008 and then suffered through the subsequent market crash, it may have taken you 2-3 years to get back to even.  If you began a dollar cost averaging investment plan in late 2008, it may have only taken you a 6 months to get back to even. Dollar cost averaging can also help to reduce the urge to time the market, which for most investors is definitely a good thing.


I posted this here because I thought it would get well thought out and intellectual responses, save this for r/politics. Responding to your replies to CuilRunnings, the truth can be simple, sure. But more often than not it is a shade of gray, not a pure, simple black or white, especially in a field as complex as economics. Also, CuilRunnings idea that you should be loyal to objective truth is not diminished if he/she does not follow it; it is still just as valid a point if he follows his own advice or not.


"My statement was that ""contractors"" who ""outnumbered troops on the ground"" being painted as security contractors was incorrect. That statement, even at it's most conceptual, isn't really accurate in spirit since the vast majority of contractors were Iraqi's working on different projects which had nothing to do with the military element of the occupation and everything to do with nation building or base support."


My point was that we have the safest debt for **right now**. I agree that we can still afford to spend money to fix the economy. The problem is that the spending we have been doing so far isn't doing a whole lot considering what we are investing. We have spent trillions and our GDP growth rate is two thirds what it was over the last 70 years. If we were still at the beginning of the recovery that could be acceptable. But it's been three and a half years now. We are going to need to start getting some bang for our buck to turn this around.  If we are still doing the same thing two years from now, investors may not have faith in the safety of the United States anymore. They will realize we have taken on 30 years of deficits and then taken trillions more to save the economy. If we are still stagnant, the world will start to question how great our economy really is and whether we even deserve the world reserve currency.  So yes I agree that we currently have the safest debt in the world and can try to save our economy through deficit spending. I did off on a tangent, but I think it was a necessary point. We need to make sure that the deficit spending we do from here on in actually creates real value for the economy and gets real GDP growth.   The reason I am sick of the argument is that many people seem to have this idea that the U.S. will always have the reserve currency and the world will always consider it to be the safest debt. We can keep going this way for now, but if we don't back up that claim then sooner or later they won't buy it anymore. I agree with the government spending but we need to spend in areas that are going to generate real GDP growth rather than randomly building projects and hoping for the best.  edit:so in other words, I think I agree with you. I just want to make sure people understand how perilous things can get in the future and we don't all buy into a sense of entitlement that we can spend whatever we want forever.


"> Ummm I bet we didn't 'work less'.  I'll take that bet.  ""Research studies suggest that hunter-gatherers' work somewhere between 20 and 40 hours a week, on average, depending on just what you count as work. Moreover, they do not work according to the clock; they work when the time is ripe for the work to be done and when they feel like it. There is ample time in hunter-gatherers' lives for leisure activities, including games of many sorts, playful religious ceremonies, making and playing musical instruments, singing, dancing, traveling to other bands to visit friends and relatives, gossiping, and just lying around and relaxing. The life of the typical hunter-gatherer looks a lot like your life and mine when we are on vacation at a camp with friends.""  https://www.psychologytoday.com/blog/freedom-learn/200907/play-makes-us-human-v-why-hunter-gatherers-work-is-play"


Sorry, this isn't terribly helpful and I would post this as a comment but I'm new and apparently can't.  Some considerations: 7% seems awfully high.  Check SoFi and see if you can't refinance at a rate low(er) enough rate so that you won't be paying so much interest. How does reinvesting 10k into the company compare to paying off loans?  1.5 years in, you've paid down a lot of interest already... We would need a lot of particulars to give you specific advice, probably more than you're willing to give over the internet.  Who does the financials for you business?  They should be able to give you advice, or at least build the models specific for your situation to help you make a decision.


Well, you don't exactly see them lookin' to build large hadron collidor type facilities or putting people into space on their own either.  They're a relatively poor and irrelevant country. We're the bastion of world order. Its like asking a polar bear to model itself after a housecat. The most that can be said of them is that they aren't the lowest plancton in the food chain.


Does this plan make sense mathematically? - No not really.  The housing market can be fairly volatile (depending on your location), and it is really a good market for buying right now.  You're going to make 1 or 2% on your money over the next year and risk paying 10% more for the house (or more).  Even if you had a loan at 5% - that would be 5% of what you still owe, not the full value of the house. Does it make sense in terms of the common rules about paying a mortgage off early? - Yes, though make sure you have at least 80% of the house value so you don't get nailed with PMI (which may have a fixed duration). Is there a better strategy that I am overlooking? - Yes, investigate buying a house now.  I'm not saying rush into it - shop around and find a really good deal.  Get a 15-year mortgage (or less) and put what you're able to down (maybe 80% down).  You can then payoff the mortgage over the next year or two and not have the risk of the volatility of the market raising the prices on houses and you getting less for your money.


The same argument holds for copyright.  The time to set lord Voldemort free is when the kids who grew up with him are producing their art and literature. 20 years or so. 80 strangles these cultural icons to an early grave.


You can't blame companies like 'Legal Claimant Services' for making a profit by providing this service. That is capitalism and it is the way of the world.  It is just like any other business you can do yourself - from making dinner to cutting your own grass. If you choose to do it yourself, you save money but you also do the work. When I got my letter telling me about a claim, I automatically went online to do some research. That's how I found this site and information that led me to validate the claim. I then chose to follow a few simple instructions and keep all of the claim instead of giving away 30%.


"First I want to be sure Op understands how ""Credit Utilization"" is scored as this confuses many folks here in the US.  There is no ""reward"" for charging money or carrying balances, only penalty.  If you have one credit card with a $10,000 limit and owe $8,000  you have an 80% utilization which will signal to banks that you are having financial difficulties.  (Anything over 30% on a single card is usually penalized significantly.)  The ideal utilization is something around 0, which is in the ballpark of the 5% Op mentioned.  Again there is never any direct benefit to your credit of spending a penny on any of your credit cards.*   Banks offer the best rates to people that pay off their balances each month or don't use their cards in the first place.  Why? Despite the system being imperfect in many ways, utilization is a good indicator.  Example: If you have a card with a  $10,000 limit and pay it off every month that speaks to you being a good risk. If you compared this person to the person above, who do you think would be the most likely to pay back a car loan? Finally, Utilization is a small part of the credit score.  I would call it more of a ""hurdle"" than a factor, at least concerning good rates and approvals.  Most of your credit, is based on length of history, paying on time, and having multiple types of credit. Real life example: I had a relative that had perfect payment history for decades.  They got divorced and started accumulating a balance.  The person got other cards with 0% apr to avoid the interest, but their balance only grew.  -They had to use the card to make ends meet, etc.  (3 kids, single parent)  They ended up filing a sizable bankruptcy a few years later.  This was one of the most responsible people I've ever known.  (Yes that statement will seem far fetched to someone else.  It was almost impossible to get them to file bankruptcy, even though there was no way to ever pay the money back.) The point?  Utilization shows a more 'current' picture than some of the other portions due.  -  Had those banks used the high utilization as a warning sign they would have saved a lot of money.   A 'fun' way of looking at credit: Sometimes I describe credit score as a popularity contest.  If you really 'need' money banks are not going to help you.  However if your credit shows everyone is lining up to loan you money, other banks are going to want in too.  ""Banks only make loans to people that don't need them."" *** Spending a lot on Credit Cards does sometimes have the indirect effect of getting balance increases that could have a slight increase in your score.  This happens  less than it did prior to the financial fiasco.  Also the effect of this is on the score negligible unless carrying a balance.  ( And the person carrying a balance also has a lower score anyways.)  Additionally someone charging less could probably get a similar raise if they asked for it.  (Raises vary greatly by issuer.))"


Money market funds have usually no limits on redemptions or fees. They're frequently used as an alternative to savings accounts. While technically loss is possible, the investments in these funds are done in short term high grade bonds (read the prospectus). I've never encountered money market underperforming a regular savings account.


See, the difference is, that I called his argument idiotic. Not him. Ad hominem is exactly, when you attack the person, not the argument.  But I get it. Reddit has decided a long time ago, that Jobs is evil and Apple is evil and all who buy Apple products are Hipster morons who have no idea what technology should look like.


With robo-advisor services, you don't select which funds you buy or sell. All you do is decide on a risk profile, and when you add or remove funds to your account, they decide what to buy or sell based on that profile.  Each service might decide how to do this differently. Looking at Betterment's case, it looks like they try to do rebalancing when you buy. So if you put a deposit in each month, they'll buy the lower priced funds to rebalance your account to the desired ratio. In a taxable account, Betterment likes to optimize your tax liability when you withdraw, so they sell the funds that have lost money before they sell the ones that have gained.


Any CEO who goes into political claims about his company and against customers who have different political opinions is an idiot.  And, as we know, many CEOs are idiots.  Why on earth would risk annoying, at least, 50% of the population who voted for Trump?


"Article admits the ""subsidies"" are tax breaks.  Every business takes deductions to ensure they get taxed on income, not revenue.  These breaks aren't subsidies.  If you want to talk about subsidies, then look at renewables. That $7500 refund a rich Tesla buyer gets from the taxpayers is a subsidy."


One major point she has is that people take out a lot more debt and blow far more money on debt service, mostly on housing, than they did in the past.  Regardless of disputes over political structure, I think that we can all agree on that much.


I have heard of people on wallstreet taking 'smart drugs' and nootropics to try to excel at their jobs but I was hoping to get a more real sense of how many people honestly take them, not just the hype.  How many of you take 'smart drugs' or nootropics?  Thanks all!


The Progress Factory provides the best power bank services. If you are looking for a good power bank for your phone or I pod then progress factor is always best. You can easily collect some outstanding power banks, which are of different type of the power bank. You can easily purchase your required power bank for its store. All the products of this company are high quality and durable in nature and come with the manufacturing warranty.


FICA taxes are separate from federal and state income taxes. As a sole proprietor you owe all of those.  Additionally, there is a difference with FICA when you are employed vs. self employed.  Typically FICA taxes are actually split between the employer and the employee, so you pay half, they pay half. But when you're self employed, you pay both halves. This is what is commonly referred to as the self employment tax. If you are both employed and self employed as I am, your employer pays their portion of FICA on the income you earn there, and you pay both halves on the income you earn in your business. Edit: As @JoeTaxpayer added in his comment, you can specify an extra amount to be withheld from your pay when you fill out your W-4 form. This is separate from the calculation of how much to withhold based on dependents and such; see line 6 on the linked form. This could allow you to avoid making quarterly estimated payments for your self-employment income. I think this is much easier when your side income is predictable. Personally, I find it easier to come up with a percentage I must keep aside from my side income (for me this is about 35%), and then I immediately set that aside when I get paid. I make my quarterly estimated payments out of that money set aside.  My side income can vary quite a bit though; if I could predict it better I would probably do the extra withholding. Yes, you need to pay taxes for FICA and federal income tax.  I can't say exactly how much you should withhold though. If you have predictable deductions and such, it could be lower than you expect. I'm not a tax professional, and when it comes doing business taxes I go to someone who is. You don't have to do that, but I'm not comfortable offering any detailed advice on how you should proceed there. I mentioned what I do personally as an illustration of how I handle withholding, but I can't say that that's what someone else should do.


I think you hit the point of the book. People need to stop taking every word in the book literally. Sure it has some bad advice but overall the big picture is that the book is supposed to change the way you think. Its supposed to open your mind to how a rich person should be thinking and get out of what he calls the rat race. His ideas in the book are great and it really has inspired me to be my own employee and achieve my own financial freedom.