I have a degree in Finance and thought I would enjoy a job in personal finance.   I was wrong.  If you enjoy people, speaking on the phone, and selling constantly then you'll love financial services. If you dont mind working many hours in a high paced, stressful job then investment banking may be your thing. If you are more of a numbers guy then you should concentrate on corporate finance, possibly get your CFA or some other such accreditation. If numbers are your thing you may also enjoy accounting or being an actuary.   If I were you, I would stick with engineering. But that's just me. Take my opinion with a grain of salt.


Absolutely.  There is no requirement that an option be in-the-money for you to close out a position.   Remember that there are alwayes two sides to a trade - a buyer and a seller.  When you bought your option, it's entirely possible that someone else was closing out their long position by selling it to you.


One should also point out that you make a major assumption in that the high of the day doesn't occur on a gap up in morning trading. It's unlikely that you'd fill at a reasonable price, thereby throwing your strategy into disarray.


"Employers withhold at rates specified in Circular E issued by the IR. You can request that  additional money be withheld (not an issue here) or you can have  reduced withholding by claiming additional allowances on a W-4 (i.e.,  more than just for you and spouse and dependents) if you believe that  this will result in withholding that will more closely match the tax due.  (Note added in edit):Page 2 of the W-4 form has worksheets that can be used to figure out how many additional allowances to request. Also, I wonder if your withholding will be 37% or final tax bill be  26% of your adjusted gross income.  The tax brackets are the tax  on marginal income. If you are in the 28% tax bracket, you owe 28 cents in tax for each additional dollar of income, not 28 cents in tax for every dollar of income.  Your overall tax might well be less than 20% of your income.  As a specific example, in 2011 a married taxpayer filing jointly would be in the  (highest) 35% tax bracket if the taxable income was $379,150 or more (marginal tax rate of 35% is applicable to every dollar more than $379,150) but the tax on  $379,150 itself works out to be $102,574 or 27.05% of the taxable income. So if you do expect to be earning around $350K or more in salary between now and December 31 to hit that 26% that you expect you will owe, you might want to consider paying a tax accountant for advice on how to fill out your W-4 form for your new employer rather than relying on an Internet forum such as this for free advice. Note added in edit:  Your comment ""... it is a cocktail of ... federal taxes, state taxes, local taxes, health care ..."" on the earlier version of my answer does raise the question of whether you want your employer to withhold 26% instead of 37% and have the money go to meet all these obligations or just 26% towards your Federal income tax liability only. The Federal W-4 form affects only how much money is withheld from your paycheck and sent to the US Treasury.  Some of the money that each of your employers withholds (Social Security and Medicare taxes) is not affected by what you put down on  the W-4 form.  Now, if you hold two jobs and the total income shown on your W-2s is larger than the SS limit, you will  have had too much Social Security taxes withheld, and the excess will be a credit towards your Federal income tax liability.  You have self-employment income too on which you owe Social Security and Medicare taxes and you are making estimated tax payments. The excess Social Security tax payment can count towards this too (as well as income tax on your Schedule C income).  Thus, if your new employer is withholding too much, you might be able to skip making the fourth quarterly payment of estimated tax or make a reduced payment (there is no requirement that the four installments  must be equal).  In short, there are lots of ramifications that you need to take into account before deciding that 26% is the right number. Instead of filling out a W-4  all by yourself right away, I strongly recommend  reading up a lot on income taxes, or play with a tax preparation program (last year's version will do a pretty good job of at least getting you in the right ballpark), or consult with a tax accountant."


"1. That is some left leaning editorial in the title.  2. (Amateur opinion following) He bought the bonds on a huge discount on this very bet; that he could strong-arm Argentina into paying the full value by standing firm and making the only other option a default. It was kind of like a game of chicken where  the fact that S&P called a default is actually pretty bad for him. Now the Argentinians are like ""our rep is shot, what do we gain from paying you a cent?"""


Just to clarify things: The Net Working Capital is the funds, the capital that will finance the everyday, the short term, operations of a company like buying raw materials, paying wages erc. So, Net Working Capital doesn't have a negative impact. And you should not see the liabilities as beneficial per se. It's rather the fact that with smaller capital to finance the short term operations the company is able to make this EBIT. You can see it as the efficiency of the company, the smaller the net working capital the more efficient the company is (given the EBIT). I hope you find it helpful, it's my first amswer here. Edit: why do you say the net working capital has a negative impact?


Why would you regress prices?  Correlation should alway be based on returns. Daily return correlation is around 0.8 last I checked. Of course this is backward looking. Correlation of VIX to next month returns is pretty low. I haven't checked shorter timeframes though.


It doesn't matter. A convert can be recreated by using other instruments, so it can never be removed from the market. Kind if like an Asian market which tried to remove options or futures or some exotic derivative. Investors just created synthetic positions with the same properties.


Depending on what software you use. It has to be reported as a foreign income and you can claim foreign tax paid as a foreign tax credit.


Yes, I read those links.  I also read Edmunds' other blogs about the car.  I also watched the CR talking cars episode about it.  Which is why I recognize that they were very favorable.  Both entities loved the car, kept the car longer than they normally keep their cars, and were sad to see them go.  Edmunds found that the car's depreciation was significantly below average.  Both entities had issues with their car which were fixed for free and with as little trouble as possible and a high level of service.  CR stresses that their reliability survey of customers shows the Model S to be average reliability, not below average, and this is for a early production car from a new manufacturer.  Edmunds stresses that many of the problems were ones which were fixed on their car and the fixes have been applied to all later production cars.  And neither of them are anything but positive about the driving experience.  Perhaps you should read them again, instead of reading the one quote the page-click-driven media has chosen for you from them.


Also to add to my other point you don't give more money to someone who can't use the money they already have wisely. For example a friend borrows your money to pay his rent and he blows it all on alcohol and cigarettes and when he asks you for more you don't give more to him you direct him to a place where he can solve his problems. The same needs to happen with the US, the money they recieve now is more then enough to run the country.


A fair number of micro-finance organisations have been listing recently and appear to be offering good yields.  So you could simply buy their stock rather than investing directly. SKS is an Indian micro-financier that went public just a few weeks ago. The interest rates charged can be extremely high to match the low yield per lender.  As has been mentioned, Kiva doesn't return interest to the lender.  However, Kiva doesn't lend directly either.  They on-lend to local microfinanciers who will lend at whatever interest rate the local market will bear. The range of interest rates applied to micro-credit loans can be chilling.  45% to 85% in Africa, 30% in India and a jaw-dropping 155% in Mexico. However, these high rates of return have attracted an absolute stampede of investors. In Mexico more than 300 micro-credit banks compete for business. Chuck Waterfield, the founder of MicroFinance Transparency, is concerned that there is an unsupportable bubble. Lenders are starting to take out more loans than they can afford and banks are doing little to curb that appetite for debt.  Sound familiar? So, you may not want to lend directly, but definitely consider looking at listed microfinanciers in places like Brazil and India.  As usual, though, study the company carefully.


"Two things here:  1. They (and all companies and people) should be honest and transparent about what they're doing.  2. Like almost all the privacy and tech issues there's a convenience/intrusiveness line that's constantly in flux.   Uber wasn't trying to track everybody post ride for fun, they were trying to model future demand for cars before somebody punched in they needed a ride.   You can imagine all kinds of events like pro sports, concerts, festivals, etc. that could cause spikes in demand, which lead to:  - Long waits (which people hate) - Surge pricing (which people hate)  So they have algorithms that look and ""see"" -> There's a 20x increase in density of Uber users in this 3 block radius of downtown that started 1 hour ago, we predict with a 80% confidence based off past behavior that we'll need more drivers in that area in the next hour.  They're 100% doing this so that when you check Uber and it says the wait is 5 minutes for a car, and when you look at Lyft and it says 10 that you'll use them.   Yeah, it's kind of creepy, but we're all making the choice to carry a GPS enabled microphone and camera within arms reach 24/7. What Uber's doing is not much different than FindMyPhone apps, Google Now, and lots of other systems."


How about a serious update, the place hasnt changed much since I was in 2nd grade and I'm 34 now. With global warming and the way our oceans are threatened you could see the highest yoy growth ever. C'mon get with the times, tell us about the sea!


If you wait to pay it off until you are required to in order to avoid interest (the end of the 'grace period'), then you are receiving what's known as a 'float' - basically, you have some money earlier than you would otherwise.  Banks and other companies profit substantially from floats (such as when banks take your deposited check and put a seven day hold on it) by investing that money in money-making activities and not allowing you to use it until later.   As an individual, particularly if you're not a frequent investor, you typically benefit less than a bank would from a float, since you have less options for investing that money with a short turnaround.  Technically speaking it's sort of like you're getting a constant advance on your paycheck 21-40 days; so in that sense, you benefit because you get to have that stuff (television, food, whatever you're buying on credit) a month or so before you have to pay for it, and you get a month or so's benefit from it. So, yes, you get a small benefit from paying your bill when it's due and not prepaying.  Whether that benefit is worth the potential downsides (forgetting to pay and accruing interest) depends on your habits.


Yes, you will come out ahead slightly by putting the money in the savings account, then paying off your mortgage later.  However, we don't know what will happen to these interest rates after 1 year. If you put the £300 per month into the savings account for a year, then put the money into you mortgage, you will save about £78 for the year over just putting the money toward your mortgage in the first place.  For me, I'm more concerned about longer term strategy. What happens to your mortgage rate after 2 years? What happens to your savings account rate after 1 year? The mortgage rate likely goes up and the savings account rate likely goes down, making the savings of this strategy even less after the first year. Instead, you may want to put this £300 per month toward retirement investments (assuming you have no other debt), which should, over the long term, earn more than the savings account.


"> Is it ever not booming?  Even after the USSR broke apart and Russia withdrew 1/2 million troops from eastern Europe -- even then Bill Clinton was not permitted to cut the Pentagon's budget.  The only thing that Clinton could do is to have small Pentagon budget increases, increases smaller than the rate of inflation.  We live in a war-loving nation. :(  > ""Were the Soviet Union to sink tomorrow under the waters of the ocean, the American military-industrial establishment would have to go on, substantially unchanged, until some other adversary could be invented. Anything else would be an unacceptable shock to the American economy."" -- US ambassador to the USSR and State Dept. strategist George F. Kennan."


Financial advice from good advisers sounds a good idea.  Talk to two or three before taking their advice... their services and advice are surprisingly and sometimes alarmingly diverse.  Gaining money from renting out property is harder than it seems and 10% sounds very ambitious after all costs. Buying abroad especially is a challenge to make money on.. You need to be lucky, and have a strong flair to do it despite all. Bear in mind santander pay 3% on current accounts by the way. Have you ever thought about living abroad somewhere stable or cheap or downsizing. A part time job or low pressure job might top up a limited pension for long enough to find a long term solution while giving you the feeling of starting retirement. Just some thoughts... think it through carefully .. weigh the risks.. be realistic and good luck. Jonjo


As another answer started, this information comes straight from an exchange and generally costs a fortune . . . However things change: IEX, a new exchange, recently opened and they are offering real time bid/ask data for free. Here's the API description: https://www.iextrading.com/developer/ This data should be good for active securities, but for securities less actively traded the numbers might be stale.


Burt Process Equipments pH Plus family (pH Neutralization Systems) are engineered, integrated and completely prepackaged units with automatic controls and instrumentation designed for ease of installation and maximum reliability. These pH Neutralization Systems provide completely automatic pH Neutralization of wastewater. The compact design of offers a minimum size footprint and minimum installation expense. Due to the integrated design of the pH Neutralization Systems it only can influent, effluent, and vent piping along with electrical line power connections are required in the field


When I was in high school I worked in the kitchen of a locally based fast food restaurant that happened to be the concept store where new technologies were tested and evaluated to see if they would be a good fit for the rest of the restaurants. One of them was a system called Bob with many screens that detected cars entering the parking lot and told you when and what to start making. So many lights and sounds and demanding computer voices coming from the ceiling, it was like working in mission control


> After Lee signed the contract, Makhnevich drained his tooth and, on a subsequent visit, put in a filling, charging $4,800  In New Zealand that would cost me about $250. Maximum.  Your country is 100% pure fucked.


Nothing happens on Trump's watch without the Trump family getting a piece.  That's his guiding ethos.  Let someone do profit-taking on essential government functions and make sure a little bit makes it back to the Von Trump family one way or another.


>  But, walmart pays way more than what it's employees are using.  Most employers pay more than their employees are using.  What is your point?  You actually think $7.1B went directly into welfare, or do you think that just maybe some of it went to pay for the military, debt payments, etc?  > You don't like big business.   Nice strawman.    > so no cost at all is passed to the taxpayers  This is like saying if i get a 99% credit on my taxes, i have paid my fair share.  I mean i paid more than i took out of the system.  That's fair right!


Writing a promissory note will be sufficient. Presumably the money will be transferred on or near the date that the loan is signed, and the repayments will follow the pattern prescribed in the note. The IRS is only skeptical of family loans if there is no documentation to support the claim.


"> Interests change. So do careers.   Of course. A janitor can become a landscaper, a teacher with teaching diplomas can end up as an accountant, an actor can become a great president of the USA (Ronald Reagan) and a business man can also become a great president of the USA (Trump!)  However, do you understand that Information Security is a highly specialized technical engineering field that requires tons of specific knowledge and understanding of technologies, protocols, cryptography, database, etc, etc, etc?  There's no way that Ronald Reagan, Trump or Susan can become a Chief Info Security officer, medical surgeon, rocket scientist, or even a Rabbi. Am I right?   These professions require many many years of specialized studies, residency/apprenticeship to get experience and dedication from the start to a life-long narrow and specialized field.  You don't need to be brilliant with specialized knowledge to be an accountant, actor, president of the USA, janitor or even a ""Vice president of sales"".  > Undergrad is meaningless at that level and point in career.  This is not the point, and I said it already 18 times: I will hire a music major if they have the experience and knowledge needed for an unrelated job.  There's almost zero chances the Music major or Fashion major is the type to be an expert in security, so knowledgeable as to become the CHIEF Information Security Officer.  **And, again, based on the recent interview with Susan and her answers, anybody, even non-experts, can tell she has no clue about security.**  >> I also never agreed that she got the job due to connections:  > So give me a possible way how Susan got her job.  Can you answer and guess the answer?  As for HR and contractors:  >  Contractors give flexibility to staff up for projects and down again as conditions dictate, and are paid higher rates to compensate for the impermanence.  If contractors are more expensive than in-house employees, nobody will use contractors.  Trust me!!!! I also have to hire and work with contractors, in IT, where they really get paid well. They get ZERO benefits, ZERO bonuses, ZERO security, and many in-house employees in similar jobs, per-hour, get paid much more if you account their bonus, medical insurance, facilities, severance packages, training, etc, etc."


My plan is that one day I can become free of the modern day monetary burdens that most adults carry with them and I can enjoy a short life without these troubles on my mind. If your objective is to achieve financial independence, and to be able to retire early from the workforce, that's a path that has been explored before. So there's plenty of sources that you might want to check.  The good news is that you don't need to be an expert on security analysis or go through dozens of text books to invest wisely and enjoy the market returns. This is the Bogleheads philosophy. It's widely accepted by people in academia, and thoroughly tested. Look into it further if you want to see the rationale behind, but, to sum it up: It doesn't matter how expert you are. The idea of beating the market, that an index fund tracks, is about 'outsmarting' the rest of investors. That would be difficult, even if it was a matter of skill, but when it comes to predicting random events we're all equally clueless.  *Total Expense Ratio: It gives an idea of how expensive is a given fund in terms of fees. Actively managed funds have higher TER than indexed ones. This doesn't mean there aren't index funds with, unexplainable, high TER out there.


Yes, of course there's a fundamental difference between legislation and business practices. But what you just described is the very definition of a globalist:  >a person or organization advocating or practicing operations across national divisions  If you talk a big game about restricting people from coming to one place, while you work a business that makes money from everyone all over the world, you're still a globalist.  A true anti-globalist leader would do all of his business inside of his chosen country, and would go out of his way to not rely on external markets.


My point of view is that monopolies happen because politics (whether that's politicians, trade boards, or oversight committies) allows them to occur. It's a failure of politicians in allowing it to happen, not a failure in business (as they're just pursuing their profits). When business started to interfere in politics to gain market advantages, that's when monopolies started to form. Competitive marketplaces are self-sustaining unless you create the conditions for monopolies to form.  Once you legalize what price you sell a good at you're going down a slippery slope of communism. It's a free market and companies should be able to freely sell a good at whatever price they want. If other companies can't compete in the market at that price then they aren't as efficient as the other company and it would hurt the economy in the long run to have them operating at higher costs than similar companies who can do it better.  I didn't say that the **only** exit for a startup is acquisition but I digress... The reality is that the tech market is dominated by large businesses who meddle in politics to maintain their position ([such as Google and Apple colluding in hiring practices](http://pando.com/2014/03/22/revealed-apple-and-googles-wage-fixing-cartel-involved-dozens-more-companies-over-one-million-employees/). This is bad for everyone and especially for startups and needs to be redesigned so that startups and big companies alike can competitively challenge each other in the tech sectors.  I think we're arguing for roughly the same thing but it seems that it's a different between equality vs equity (I might be wrong however).


Well, they are 'entry level' jobs in the sense that they are the first jobs you get after walking in the door. But in the sense that these jobs are going to lead to something significantly better paying for any but a very few, there is nothing 'entry level' about them. If you work for crap wage at McD's or Walmart in 2000, you are probably going to be working for crap wage at McD's or Walmart in 2014.


You should consider Turbocash. It's a mature open-source project, installed locally (thick client).


You will have to read your credit card's terms and conditions to determine exactly how this is handled for your card, but for my Discover this is handled as a purchase (at the Purchase APR), not as an advance. The benefits description is specific: Get cash where you shop the most They have a long list of stores (mostly grocery stores) that participate.  Your credit card will have a similar page and similar list.


No financial interest means that you have signing authority over the account, but you don't own the money in it and aren't allowed to withdraw from it at will. One example would be a business account owned by a company where you're employed as a purchasing manager, and you need to sign checks drawn on that account to pay invoices. FBAR doesn't care about income -- it just wants to know about every account that you having signing authority over.


"A credit card is a way to borrow money. That's all. Sometimes the loans are very small - $5 - and sometimes they are larger. You can have a credit card with a company (bank or whatever) that you have no other relationship with. They're not a property of a bank account, they are their own thing. The card you describe sounds exactly like a debit card here, and you can treat your Canadian debit card like your French credit card - you pay for things directly from your bank account, assuming the money is in there. In Canada, many small stores take debit but not credit, so do be sure to get a debit card and not only a credit card. Now as to your specific concerns. You aren't going to ""forget to make a wire."" You're going to get a bill - perhaps a paper one, perhaps an email - and it will say ""here is everything you charged on your credit card this month"" along with a date, which will be perhaps 21 days from the statement date, not the date you used the card. Pay the entire balance (not just the minimum payment) by that date and you'll pay no interest. The bill date will be a specific date each month (eg the 23rd) so you can set yourself a reminder to check and pay your bill once a month. Building a credit history has value if you want to borrow a larger amount of money to buy a car or a house, or to start a business. Unlike the US, it doesn't really have an impact on things like getting a job. If you use your card for groceries, you use it enough, no worries. In 5 years it is nice to look back and see ""never paid late; mostly paid the entire amount each month; never went over limit; never went into collections"" and so on. In my experience you can tell they like you because they keep raising your limit without you asking them to. If you want to buy a $2500 item and your credit limit is $1500 you could prepay $1000 onto the credit card and then use it. Or you could tell the vendor you'd rather use your debit card. Or you could pay $1500 on the credit card and then rest with your debit card. Lots of options. In my experience once you get up to that kind of money they'd rather not use a credit card because of the merchant fees they pay."


"This answer relies on why you are holding shares of a company in the first place. So let's address that: So does this mean you would like to vote with your shares on the directions the company takes? If so, your reasons for selling would be different from the next speculator who only is interested in share price volatility. Regardless of your participation in potential voting rights associated with your share ownership, a different reason to sell is based on if your fundamental reasons for investing in the company have changed.  Enhancements on this topic include: Trade management, how to deal with position sizes. Buying and selling partial positions based on price action while keeping a core long term position, but this is not something ""long term investors"" generally put too much effort in. Price targets, start your long term investment with a price target in mind, derived from a future market cap based on your initial fundamental analysis of the company's prospects. And finally, there are a lot of things you can do with a profitable investment in shares."


For reporting purposes, I would treat the purchase and sale of gold like a purchase and sale of a stock. The place to do so is Schedule D. (And if it's the wrong form, but you reported it, there is might not be a penalty, whereas there is a penalty for NOT reporting.) The long term gain would be at capital gains rates. The short term gain would be at ordinary income rates. And if you have two coins bought at two different times, you get to choose which one to report (as long as you report the OTHER one when you sell the second coin).


Damn. I was just in AC last Oct for the three Phish shows. Place is a total dump, but Phish always tries it's best to help and bring in a ton of business. Phish, Dave Matthews, and Metallica have all had huge concerts there, but there doesn't seem to be much hope for the city. It's a shame because Boardwalk Hall is one of the best indoor venues I've seen a show in.


"Yeah I skimmed through each bureau's price page. Like I said ""most"" people will be the prices I mentioned. Some states are a bit lower, some are free for one lock, some are free or discounted for some above the age of 65. My state has no free unlocks like most of the states."


Three important things worth remembering about Kelly when applied to real world edges: 1) Full Kelly staking is gut wrenchingly volatile. While it maximises the growth of the bankroll, it does so in a way that still leaves you very likely to experience massive (50%+) reductions in capital. Most long terms users of Kelly tend to stick in the 1/4 to 1/2 Kelly unit range to try and stay sane and retain a margin of error. See below for how large the typical swings can be with full Kelly:  2) Garbage in, garbage out. If you are making errors in pricing your actual edge, Kelly becomes very wrong very fast, easily leading you to a high chance of ruin if you are over estimating your true edge. As most people do massively over estimate their edges, Kelly simply pushes them far into territory where risk of ruin is high. 3) A Kelly user prefers to back likely outcomes over non likely ones, even to the point where they prefer a smaller % edge if the chances of winning are better. Compare the below comparison of growth between two betting scenarios (decimal odds, so for the percantage chances do 1/odds):  In this case, despite the percentage edge on the red bet being higher than that of the green, in terms of bankroll growth it ends up only being roughly as good to a kelly gambler as the smaller edge on the more likely event. This has an obvious effect on the types of edges you should be seeking out if given choices between liklihoods.


>Pyramid schemes are illegal in many countries or regions including Albania, Australia,[20][21] Austria,[22] Belgium,[23] Brazil, Canada, China,[24] Colombia,[25] Denmark, the Dominican Republic,[26] Estonia,[27] Finland,[28] France, Germany, Hong Kong,[29] Hungary, Iceland, Iran,[30] the Republic of Ireland,[31] Italy,[32] Japan,[33] Malaysia, Maldives, Mexico, Nepal, the Netherlands,[34] New Zealand,[35] Norway,[36] Peru, Philippines,[37] Poland, Portugal, Romania,[38] Russian Federation, Serbia,[39] South Africa,[40] Spain, Sri Lanka,[41] Sweden,[42] Switzerland, Taiwan, Thailand,[43] Turkey,[44] Ukraine,[45] the United Kingdom,[46] and the United States.[7]  https://en.wikipedia.org/wiki/Pyramid_scheme


I called the IRS and they stated it may take up to 45 days to withdraw the cash, but the proceeds would be applied on the date of the filing (Or when the amount was stated to be debited). Federal and State taxes differ in timelines but as long as deadlines are met and proof exists IRS does not penalize.


"Firstly, if a stock costs $50 this second, the bid/ask would have to be 49/50.  If the bid/ask were 49/51, the stock would cost $51 this second.  What you're likely referring to is the last trade, not the cost.  The last trading price is history and doesn't apply to future transactions. To make it simple, let's define a simple order book.  Say there is a bid to buy 100 at $49, 200 at $48, 500 at $47.  If you place a market order to sell 100 shares, it should all get filled at $49.  If you had placed a market order to sell 200 shares instead, half should get filled at $49 and half at $48.  This is, of course, assuming no one else places an order before you get yours submitted.  If someone beats you to the 100 share lot, then your order could get filled at lower than what you thought you'd get.  If your internet connection is slow or there is a lot of latency in the data from the exchange, then things like this could happen.  Also, there are many ECNs in addition to the exchanges which may have different order books.  There are also trades which, for some reason, get delayed and show up later in the ""time and sales"" window. But to answer the question of why someone would want to sell low... the only reason I could think is they desire to drive the price down."


You're looking for the amortization calculation. This calculation is essentially solving for the series of cash flows that will yield a zero balance after the specified term, at the given rate for a loan amount. Once you have solved for the payment amount, you can add additional principal amount to each payment period and see the interest payments and time to zero balance drop.


As if government regulation has some kind of technical juristiction over bitcoin. But then maybe you're one of those people that believe it's impossible to buy weed in this country (or indeed any other).  And they lock people up in jails for *that*!


Bank accounts?  It is worse than that.  People are afraid to invest in bank accounts. Did you see the bit when German government bonds hit a negative interest rate recently? (As in you buy a bond and in five years time the government promises to give nearly all of it back)


Ok, so A > B = $3, and A < B = $4.25, so A gets + $1.25 which they use towards their debt?  Can you buy interest rate swaps from a brokerage? Can individuals enter into swaps, and bet rates will go higher?


So whoring ourselves out by charming men, great, lets not just be ourselves  I refuse I will be me if that is enough I don't give a damn  When exactly will women NOT be sex objects? Exactly when? And why do women do this, why did Madeline have to do this?  Come on, going to be a tough meeting, wear that nice little tight number to make the fellas happy NOT ME NOT ME  I WILL DIE FIRST


Yahoo's primary business isn't providing mutual fund performance data.  They aim to be convenient, but often leave something to be desired in terms of completeness. Try Morningstar instead.  Their mission is investment research. Here's a link to Morningstar's data for the fund you specified.  If you scroll down, you'll see:


Here's one source. http://www.academia.edu/4210419/Can_climate_models_explain_the_recent_stagnation_in_global_warming There are quibbles over whether the models are outside the 90,95, 98% range, but it's not controversial that they have failed to accurately predict the pause.  BTW, I have a surprising amount of upvotes on this thread for someone who is posting reddit heresy.  I'm a little up on total karma, surprisingly.


yes.   you can take out 500,000 form your paid of house.  you pay back 500,000 at 3.5. percent.       you do get a tax break for not owning your house.  it is less then 3.5 you are paying back the back. about one forth of that, BUT you take the 500,000 in invest.   Now cd low 1 percent,  stock is risky.    You can do REIT, with are about 8 to 12  every year. so even at 8 - tax 1.5 is 6.5 - 3.5 bank loan.  that   3 percent on your 500,000 thousand, plus tax break, but that only at 8 percent.      or 500,000 and buy a apartment building, again about 7 to 10 percent,   so that 2 to 3 percent profit, but the building goes up over years.


And we can protest, like that one intrepid protestor who told Jamie Dimon on Wednesday to stop foreclosures!  The jury is, of course, still out on what exactly the CIO and synthetic corporate CDOs have to do with mortgages.


"Wow, first off, I'd like to thank you for taking the time to type up that massive response.  While I wasn't exactly asking for someone to ""LoLZ write my paper for me!"" I was hoping to get a better understanding of the economics segment for Dell.  My understanding of the finance/economics is very mediocre, and was trying to figure out just how the current state of the economy was impacting Dell.  I have definitely written up a lot about ""The Cloud"" as well as moving away from desktop machines.  While I am in the IT industry, it definitely doesn't stimulate my economic knowledge :)"


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"I suspect the old people (who deserve to be shot for the state of these days) expect they'll die of natural causes before anyone born before 1970 learns that they've been handed the BILL for those parasites' retirement of USELESS consumerism.  If you're going to have a government, they need a BASIC fundamental plan that WORKS. If they don't, they NEED to be overthrown, with violence, if necessary. However, who's to say what's ""viable"" given the ACTUAL history of the human species.  If there is a god, or a benevolent nature, then the causes of this, ""winners"", need to be exterminated for the good of the species. The meek will NEVER ""win"", there is NO winning. The troglodytes who fly the ""flag"" of winning should be eliminated."


Properties do in fact devaluate every year for several reasons. One of the reasons is that an old property is not the state of the art and cannot therefore compete with the newest properties, e.g. energy efficiency may be outdated. Second reason is that the property becomes older and thus it is more likely that it requires expensive repairs. I have read somewhere that the real value depreciation of properties if left practically unmaintained (i.e. only the repairs that have to absolutely be performed are made) is about 2% per year, but do not remember the source right now. However, Properties (or more accurately, the tenants) do pay you rent, and it is possible in some cases that rent more than pays for the possible depreciation in value. For example, you could ask whether car leasing is a poor business because cars depreciate in value. Obviously it is not, as the leasing payments more than make for the value depreciation. However, I would not recommend properties as an investment if you have only small sums of money. The reasons are manyfold: So, as a summary: for large investors property investments may be a good idea because large investors have the ability to diversify. However, large investors often use debt leverage so it is a very good question why they don't simply invest in stocks with no debt leverage. For small investors, property investments do not often make sense. If you nevertheless do property investments, remember the diversification, also in time. So, purchase different kinds of properties and purchase them in different times. Putting a million USD to properties at one point of time is very risky, because property prices can rise or fall as time goes on.


"Yea, but the market has almost built up an immunity to the ""back and forth"" of this thought over the past couple months. There's essentially too much talk and not enough action. BUT, It will be interesting to see the effect this Mueller investigation news has over the next couple days, cause I'm assuming the media will push the story. Although the Dow broke new highs today it was essentially flat.   Personally I think the markets being propped up. Also, The dollar is being artificially pushed down (because the fed needs it weak for inflation rises). But who knows, it's just a thought and I will keep trading with the trends!!"


Honestly I'm not sure what to expect since I've never been. The other guys have told me that they spent all day, everyday there and didn't see it all.  I'd honestly like to find something within electric vehicles like ev chargers, 3D Printing, some new  type of mobile phone integration.   I have a desire to go real big when finding potential opportunities, but I'm also expecting to mostly find smaller/less scalable opportunities that will allow us to build a portfolio of businesses.


How do (index and active) mutual funds trade? Do they buy stocks as soon as a I buy a share in the mutual fund, or do they have fixed times they trade, such as once every week/month/quarter?   Is it theoretical possible for someone to front run mutual funds, if someone holds individual stocks? Let's say an institutional investor creates an order of $100m in a mutual fund, how likely can a broker, which holds a fraction of the fund's portfolio, front run and take advantage of that trade? It is more likely to front run that fund if it's an active small cap fund, but how likely is it to front run trades for index funds?


I've developed a [hybrid charity-fair profit business model](http://www.naturalfinance.net/2011/03/open-partnerships.html) that has an entire section devoted to Monsanto.  Basically, GM foods is a comparable innovation to a cure for cancer or AIDS.   The excessive greed of Monsanto would make them just as hated if they controlled the cure for cancer as well.  Enhanced food productivity saves lives.  More nutritious food would too.   Monopolies that attempt to strangle every possible profit from the innovation are obviously focusing on saving as few lives as necessary.


I still don't think it's a complete replacement.  In all honesty, I would shop at Staples more if it was affordable. I'm in college and the other day I tried buying a presentation binder for a project and they wanted $5 for it, I went to my college bookstore and picked up the same brand, design and color for 75 cents.   Staples is just too expensive and I honestly don't feel bad because they have always tried to gouge customers and now it's coming back to bite them in the ass finally.


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A lot wrong with this statement. Services which is 90% of their income is not exclusive to tourism. If you read the entire thing properly you'd know 80% of their income from services is not from the US 80% of its tourism is from the US. You're also changing the argument now you're attacking the economic policies of these countries and claiming it is reflective of their tax policy when in reality that's not true. Do you know what the Bahamian fiscal policies are?   EDIT: 50% of Bahamas income is tourism


Agreed...all good points. Another point I usually bring up too is that auto loans are secured. You mention the liquidity aspect of the collateral involved here, which should help lower the loss given default on many of these defaulting loans. Repossessing a car and selling it likely doesn't have the same lead time and legal drama associated with it than foreclosing on and re-selling homes.  I guess I should let a true ABL guy opine on this aspect of things as I am by no means an expert on ABL LGDs. Someone please correct me if I am wrong.


There are some cases I'm aware of where a large employer will offer alternative HSA vendors, but this is not the norm as far as I'm aware, and would only be an option if your employer has already negotiated for this with your insurer. It's likely that this specific vendor is built in for the particular HSA product your employer has elected from Aetna. If this really ticks you off on principle, you can check if they offer a stable value fund. If so, you can essentially treat this money as part of your emergency fund, and somewhat reduce your own emergency fund and invest that money however you see fit.


Are you saying that you have an account where the same form (or screen, if on line) shows interest you earn on savings, and also interest charged on a credit card balance? I've never seen such a situation. It's safe to say if the rate is over 6%, it's what they are charging you. If it's under 2%, it's what you are earning.


The shortage is artificial and is due to extremely high hiring thresholds by HR departments and people removing themselves from the pool.  Why work if you are paid you to stay home?  Granted it isn't much money but apparently it is sufficient to live on from the number of people who aren't looking any longer.


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"There should be no chance that they win, but the location of the trial hardly suggests a totally impartial Jury:   ""The small town where the trial is being held — Elk Point, South Dakota — could influence the way the jury sees the information as well. About 20 miles from BPI’s headquarters, Elk Point is home to about 2,000 people."""


"To expand on keshlam's answer: A direct feed does not involve a website of any kind.  Each exchange publishes its order/trade feed(s) onto a packet network where subscribers have machines listening and reacting. Let's call the moment when a trade occurs inside an exchange's matching engine ""T0"".  An exchange then publishes the specifics of that trade as above, and the moment when that information is first available to subscribers is T1.  In some cases, T1 - T0 is a few microseconds; in other (notorious) cases, it can be as much as 100 milliseconds (100,000x longer). Because it's expensive for a subscriber to run a machine on each exchange's network -- and also because it requires a team of engineers devoted to understanding each exchange's individual publication protocols -- it seems unlikely that Google pays for direct access.  Instead Google most likely pays another company who is a subscriber on each exchange around the world (let's say Reuters) to forward their incoming information to Google.  Reuters then charges Google and other customers according to how fast the customer wants the forwarded information.  Reuters has to parse the info it gets at T1, check it for errors, and translate it into a format that Google (and other customers) can understand.  Let's say they finish all that work and put their new packets on the internet at time T2. Then the slow crawl across the internet begins.  Some 5-100 milliseconds later your website of choice gets its pre-processed data at time T3.  Even though it's preprocessed, your favorite website has to unpack the data, store it in some sort of database, and push it onto their website at time T4. A sophisticated website might then force a refresh of your browser at time T4 to show you the new information.  But this forced refresh involves yet another slow crawl across the internet from where your website is based to your home computer, competing with your neighbor's 24/7 Netflix stream, etc.  Then your browser (with its 83 plugins and banner ads everywhere) has to refresh, and you finally see the update at T5. So, a thousand factors come into play, but even assuming that Google is doing the most expensive and labor-intensive thing it can and that all the networks between you and Google and the exchange are as short as they can be, you're not going to hear about a trade -- even a massive, market-moving trade -- for anywhere from 500 milliseconds to 5 seconds after T0.  And in a more realistic world that time will be 10-30 seconds. This is what Google calls ""Realtime"" on that disclaimer page, because they feel they're getting that info to you as fast as they possibly can (for free). Meanwhile, the computers that actually subscribe to an exchange heard about the trade way back at time T1 and acted on that information in a few microseconds.  That's almost certainly before T2 and definitely way way before T3.  The market for a particular instrument could change direction 5 times before Google even shows the first trade. So if you want true realtime access, you must subscribe to the exchange feed or, as keshlam suggests, sign up with a broker that provides its own optimized market feeds to you. (Note: This is not an endorsement of trading through brokers.)"


I've been offered a package that includes 100k stock options at 5 dollars a share. They vest over 4 years at 25% a year. Does this mean that at the end of the first year, I'm supposed to pay for 25,000 shares? Wouldn't this cost me 125,000 dollars? I don't have this kind of money. At the end of the first year, you will generally have the option to pay for the shares. Yes, this means you have to use your own money. You generally dont have to buy ANY until the whole option vests, after 4 years in your case, at which point you either buy, or you are considered 'vested' (you have equity in the company without buying) or the option expires worthless, with you losing your window to buy into the company. This gives you plenty of opportunity to evaluate the company's growth prospects and viability over this time. Regarding options expiration the contract can have an arbitrarily long expiration date, like 17 years. You not having the money or not isn't a consideration in this matter. Negotiate a higher salary instead. I've told several companies that I don't want their equity despite my interest in their business model and product. YMMV.   Also, options can come with tax consequences, or none at all. its not a raw deal but you need to be able to look at it objectively.


Hey, it's disrespectful to use that term in a derogatory way. It's implying that being gay is something bad.   I'm not sure if that was your intent. If not, it's something to think about before using it next time. If you believe the negative implication, you might want to reconsider; or at least realize it will offend the majority of people.


"Nope, anything is that has the required information is fine.  At a minimum you need to have the routing number, account number, amount, ""pay to"" line and a signature. The only laws are that it can't be written on anything illegal, like human skin, and it has to be portable, not carved on the side of a building ( for example) https://www.theguardian.com/notesandqueries/query/0,5753,-20434,00.html http://www.todayifoundout.com/index.php/2013/12/people-actually-cash-big-novelty-checks-even-possible/ That said, the MICR line and standard sizes will make things eaiser for they bank, but are hardly required.  You could write your check on notebook paper so long as it had the right information, and the bank would have to ""cash it"". Keep in mind that a check is an order to the bank to give your money to a person and nothing more. You could  write it out in sentence form. ""Give Bill $2 from account 12344221 routing number 123121133111 signed _________"" and it would be valid. In practice though, it would be a fight. Mostly the bank would try to urge you to use a standard check, or could hold the funds because it looks odd, till they received the ok from ""the other bank"". But.... If you rant to fight that fight...."


It looks like JP Morgan can convert your holding to unsponsored ADRs until July.. In any event, you should not completely lose the equity. Volvo still exists as a public company, it's just not tradable on US exchanges. Q1: Yes, you'd need a JPM account.  Your broker should have offered a similar service. If they didn't they are not a broker. Q2: You own 30 shares in Volvo. You need to get your broker to either sell them (off-exchange now) or tell you how to gain access to them.


The other thing that you may or may not be considering is the fact that when she moves or otherwise ceases to live in that condo, you could then rent the unit out to others at the inflation adjusted rent price for the area. You could continue to build equity in the property for a fraction of the cost, and it would continue to be a tax write-off once your mother is not living there. While you have more maintenance and repairs cost when renters live there (typically, anyway), if inflation continues to carry on at about 4-5%, then you would be potentially renting the unit out at between $2,500 and $2,850 by the 10th year from now. Obviously, there are other considerations to be made as well, but those are some additional factors that don't seem to have been addressed in any of the above comments.


"Take your idiotic treating all crimes as eqivalent and cram it :) You seem to think everyone here must either 100% buy Taibbi style bulshit or they must think crimes are not crime. Your black and white view of the situation where you make strawmen of others nuanced views makes you look like a childish idiot, and I suspect you do not really want to look that way.  It is very important to accurately measure crimes, to avoid wasting scarce resources when fighting crime. Promoting poor reporting as ""it's all ok because it was similar to reality"" is intellectually dishonest and poor policy."


While personal responsibility plays a vital role in economic mobility, forces outside individual control, such as access to better work, clearly applies as well. Different folks apply different weight to responsibility vs. access to opportunity, but in any case one should be at least mentioned with the other.


The websites of the most publicly traded companies publish their quarterly and annual financials.  Check the investor relations sections out at the ones you want to look at.


Sandwich shop chain, I know they're in the PNW. They put on a cool, hip public face with laid-back and amusing store atmosphere, but their actual practices and policies are the exact opposite. It's a shitty business, and I personally haven't ordered anything from there for years because of it.


I can assure you after seeing both versions of Layer Barns (Free Range and Industrial) I wouldn't eat anything free range. The industrial setup has more square feet per bird. Poop gets dried and shipped out of pens quick and eggs roll down hill to a conveyer. The other version is people picking eggs out of bird shit all day.


Yes, it is safe, we have been doing it for years. We prefer our tenants to make their rent payments in this manner. In fact, we prefer that they set up an automatic payment for the rent, either through their online banking or through their bank directly. Apart from getting your rent on time, this method also has the added benefit of both parties having their own records of rent payments through their bank statements, in case there is a dispute about the rent sometime down the track. Having a separate bank account just for the rent does make sense as well, it makes it easier for you to check if rent has come in, it makes it easier if you need to compare your statement without having to highlight all the rent payments amongst all other payments (you might not want to show your other incomes and spending habits to others), and you can withdraw the rents to your other account (which might offer higher interest) after it has come in, leaving a small balance most of the time in your rent account.


Ok! Let's not go into details and let's summarize our discussion...  For me, under Trump, the right things are done for the economy, vast majority I agree with (not all), so he's doing a good job in this respect and it's only 6 month. Let's see a year from now...


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"This post may be old anyhow here's my 2 cents. Real world...no. Compounding is overstated. I have 3 mutual funds, basically index funds, you can go look them up. vwinx, spmix, spfix in 11 years i've made a little over 12,000 on 50,000 invested.  That averages 5%. That's $1,200 a year about. Not exactly getting rich on the compounding ""myth?"". You do the math. I would guess because overly optimistic compounding  gains are based on a straight line gains. Real world...that aint gonna happen."


As someone who spends a lot of time in France, I learned that many French banks will issue debit cards to US citizens, as an add-on feature to a bank account.  The fees are not low.  Societe Generale charges 8 Euros per month, Credit Agricole charges 30 Euros a year, BNP Paribas charges 12 Euros a month.  I'm sure other banks will issue cards as well.  You need to show 2 items proving US residence, such as a utility bill, plus a passport.  They can open an account immediately, on that basis and it takes about 7-10 days to get your debit card.


Last I checked, Wix doesn't allow optimization for image alt text or HTTPs, both of which are ranking factors. It also doesn't allow altering robots.txt or setting canonicals--things that help with search engine crawlability.   Are you using any SEO tools? What are your main products?


"So, I know people are kindof put off by the fact that this article doesn't really give good examples of ""the root of inequality.""  So, I found an example of where this applies.  [The $31 Billion Hole in GE’s Balance Sheet That Keeps Growing](https://www.bloomberg.com/news/articles/2017-06-16/ge-s-31-billion-hangover-immelt-leaves-behind-big-unfunded-tab)  *""At $31 billion, GE’s pension shortfall is the biggest among S&P 500 companies and 50 percent greater than any other corporation in the U.S. It’s a deficit that has swelled in recent years as Immelt spent more than $45 billion on share buybacks to win over Wall Street and pacify activists like Nelson Peltz.""*  So, here's a pretty clear and brazen example.  Management took corporate earnings and, before making its own workers whole on their retirement obligations, passed that money on to shareholders."


The first thing to do would be to decide what action will change the states. Take one example, “moving clothes from washer to dryer” (or whatever). If there was something you could print with a bar code on it for a given load, you might scan it when it moves from the washer to the dryer, then update some trivial database that the customer app could look at. Is that what you’re asking about?


For whom? Nigerians and the people they work for? Sure. Current workers in the industrialized countries? Not so much. Why doesn't anybody realize that the world economy is a zero sum game now? There's no more growth to be had since energy and minerals are tapped out, Not much anyway.


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"Short answer: bad idea.  Most investment advice suggests ""diversify your investments"" and sharing a mutual fund with family members would be like putting all their eggs in one basket.  If you admire your father's investment strategy and want to emulate it, get an account with a discount broker and buy some for yourself.  Or better yet, buy a similarly-managed mutual fund, and compare results a year later."


Thanks I make 6 figs doing exactly as I said, and can pull it up at my leisure by crapping out the occasional menu for a restaurant at my leisure.   9 to 5 wankers lmfao I kick it from a beach in Vietnam and code maybe 4 hours a day. Sometimes I fly back to work when it hits the fan and pull an overnighter or two, and then life is back to being good.   Yall have made this world for yourselves and rather than take a step back and realize that you are shoveling deeper into a pit of shit, you try to become gods of your shit pit, convincing yourselves and your underlings that the deeper you dig the bigger a man you are. You're still just digging a shit pit.


You want to bank with HSBC: From: http://www.offshore.hsbc.com/1/2/international/foreign-exchange-currency/foreign-exchange/faqs HSBC Bank International does not   charge ‘commission’, therefore   offering 0% commission on foreign   currency exchange transactions


Well, let me take your question for baremetal, and aknowledge you did not asked about the difference between daytrading and investing which is obviously leverage. I would not consider daytrading more risky as long as you keep leverageout of the equation.  Daytrading can be turbolent and confusing, where things unfold in a very short amount of time, (let trade nfp payroll or some breaking event, yay), eventually the risk is more overseeable in long term trading, as soon as you put leverage into the equation things look vary different, indeed.


>companies supplying the electricity  For the most part, the transaction costs make trying to play EON, RWE, EDF, et al on the short term basis useless. Those companies are all so big and hedged that almost any pricing scenario isn't going to materially impact them. This isn't PGAE circa 2000.


"There's a point where splitting low activity subreddits becomes counterproductive, and I think to split ""finance problems"" from /r/finance would cross that line.  Career questions come up as least as frequently, if not more so than more legitimate finance questions, so I don't see the issue there."


This is a good example of the hellish cycle of dictatorship and corruption.  It happens time and time again: a dictator strangles the country and its institutions for years. He finally dies/gives up power and those in line behind him quickly start attacking the remnants of his family and regime. But are they doing it for the good of the country or for their own benefit, so that they can expunge the previous regime only to get their own iron grip on power?  On the one hand, prosecuting a corrupt regime is necessary. On the other hand, it only brings up lasting positive results if it's because the free, independent institutions are actually acting in the public interest rather than to allow a new regime to establish total power.  At the end of the day this shows one thing: people don't matter, what matters are processes, laws, and institutional independence.  As long as the country's institutions are vulnerable, the people at the top will change but the way the country is run will not.  Time will tell which one it is in Uzbekistan.


Point well taken, but will the flying public be willing to be the guinea pigs on that venture ? Plus the Airline Pilot Association will raise enough hell to delay that for a good while. Eventually though, what you portend will come to pass, I just don't think it will be quite that quickly.


You will need to merge CRSP with the Compustat Annual Fundamentals database, since CRSP only contains stock price/return data, whereas Compustat has data on total assets and other accounting variables.   What software are you using? It's usually very easy to filter the data after loading it into your software.


One reason this happens is due to dividends. If the dividend amount is greater than the time value left on a call, it can make sense to exercise early to collect the dividend.  Deep in the money puts also may get exercised early. There's usually little premium on a deep in the money put and the spread on the bid-ask might erase what little premium there is. If you have stock worth $5,000 but own puts on them that will give you $50,000 upon exercise (and no spread to worry about), the interest you can gain on the $50k might be more than the little to no time value left on the position... even at several weeks to expiration.


The only fee you incur when buying an ETF is the commission. If you have a brokerage account at Schwab/Fidelity/E-TRADE/Vanguard or any number of banks you won't pay more than $10 per transaction (regardless of the size of the transaction).  I use Schwab which charges $5 per trade, but you can open a Robinhood account (it's a discount brokerage) for free, $0 commission trades. It lacks features that paying platforms have, but it's great for beginners.   You'll get a dividend each quarter (every 3 months) for most ETFs.


No, it does not work in those countries. It produces billions of deficit every single year and is responsible for unimaginable sums of money going down the drain somewhere in the administration. Those systems are already crumbling, despite confiscatory tax rates.  I don't think they are. I'm sure we both agree that pointing a gun at someone and forcing them to pay for your stuff is immoral.


happy to give the likes of Hulu and Amazon credit - mostly for showing that if you give people a legal way to download your content they *will* put more money in your pocket...  that said, the owners of Hulu have been trying to sell it off and dump it for a while now - except they couldn't find a sucker to pay the $2B asking price - for everything Hulu has done right, they've also done a helluva lot wrong (like their ridiculous subscription service, for starters)


Yes, but also note each exchange have rules that states various conditions when the market maker can enlarge the bid-ask (e.g. for situations such as freely falling markets, etc.) and when the market makers need to give a normal bid-ask. In normal markets, the bid-asks are usually within exchange dictated bounds.  MM's price spread can be larger than bid-ask spread only when there are multiple market makers and different market makers are providing different bid-asks. As long as the MM under question gives bid and ask within exchange's rules, it can be fine. These are usually rare situations. One advice: please carefully check the time-stamps. I have seen many occasions when tick data time-stamps between different vendors are mismatched in databases whereas in real life it isn't.  MM's profits not just from spreads, but also from short term mean-reversion (fading). If a large order comes in suddenly, the MM increases the prices in one direction, takes the opposite side, and once the order is done, the prices comes down and the MM off-loads his imbalance at lower prices, etc.


I think my main problem with this idea is that we'd be trading the boom bust lending cycle for the boom bust political cycle. The banks are pretty heavily regulated as it is, and putting all the power back in the hands of our government frightens me a little bit.


Why is a home loan (mortgage) cheaper than gold loan? It has to do with risk. Lending money secured by gold is inherently riskier than a loan secure by your home. Increased risk means the lender must charge more. That's why home loans are cheap compared to loans for other purposes. Home loans are secured by the house. Houses are assets that hold and usually retain some value. Houses are easy to track down (they can't be hidden or moved) in the event that you don't repay your loan. Houses are reasonably liquid, they can be resold to pay off a defaulted loan.


Picking up PowerShell couldn't hurt.  Lots of cool solutions involve Excel and PowerShell.  If you learn R and SQL (both great skills), then Microsoft Power BI and Microsoft Access should come pretty easy, I think.   Reading a book or two on the Agile software development lifestyle (the best ones are sorry anyway) will help you get past interview questions that measure whether you can work with development teams.   Edit: Regarding wasting your time: I haven't personally encountered any Java programming organization where knowing basic Java was of much use outside  the programming group.   PowerShell, Perl and PHP are all actually used by professionals who do more than just programming. I blame Maven for this trend (programmer humor).  Java and CSharp are more likely to be useful if you are seeking a 100% programming role.  Any programming language experience is better than no outrushing language experience, of course. :)


If your debit card/ATM card is stolen or lost, someone else might be able to withdraw money from the checking account that it is tied to, or buy things with the card and have the money taken out of the checking account to pay the merchant. Subject to daily withdrawal limits imposed by your bank, a considerable amount of money could be lost in this way. At least in the US,  debit or ATM cards, although they are often branded Mastercard or Visa, do not provide the same level of protection as credit cards for which the liability is limited to $50 until the card is reported as lost or stolen and $0 thereafter.  Note also that the money in your savings account is safe, unless you have chosen an automatic overdraft protection feature that automatically transfers money from your savings account into the checking account to cover overdrafts. So that is another reason to keep most of your money in the savings account and only enough for immediately foreseeable needs in the checking account (and to think carefully before accepting automatic overdraft protection offers). These days, with mobile banking available via smartphones and the like, transferring money yourself from savings to checking account as needed might be a preferred way of doing things on the go (until the smartphone is stolen!)


Note that the formula for Price to Book ratio is:  Stock Price / {[Total Assets - (Intangible Assets + Liabilities)] / Stock Outstanding}  http://www.investopedia.com/terms/p/price-to-bookratio.asp  http://www.investopedia.com/articles/fundamental/03/112603.asp  There's a number of factors that could lead to a lower than 1. The primary reason, imho, could be the company is in a state of retiring stock with debt. The company is selling penny stocks (only to get people more interested in it's later development) which are inherently undervalued. There may be other reasons, but definitely check out both articles.


What taxes will I have to pay to India?  Income earned outside of India when your status is Non-Resident Indian, there is no tax applicable. You can repatriate the funds back to India within 7 years without any tax event. Someone else may put an answer about US taxes.


So labor force participation rate is at 62.9 and it's all time low is 62.4 2 years ago but I'm stretching? What are these stats you speak of? Im 26 and I know a bunch of people with college degrees who work and still live with their parents. Shits not exactly gravy if you get what what I'm saying.


There are lots of credit unions that are insured by the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund (NCUSIF) instead of the Federal Deposit Insurance Corporation (FDIC). Both cover individual accounts up to $250,000. If you are looking for non-trivial returns on your money, you should consider a brokerage account which is insured by the Securities Investor Protection Corporation (SPIC). In the case of SPIC insured accounts, what you are insured against is the failure of the broker (not against loss on your investments if you choose to invest poorly). SPIC insurance covers up to $500,000 in losses from an insolvent broker. You have already indicated your lack of interest in using other investments, but I am not aware of any non-insured accounts that offer higher interest than insured accounts. You have also indicated your lack of interest in investment advice, but it sounds like what you are looking for is offered by a stable value fund.


I don't think it makes sense to allow accounting numbers that you are not sure how to interpret as being a sell sign.  If you know why the numbers are weird and you feel that the reason for it bodes ill about the future, and if you think there's a reason this has not been accounted for by the market, then you might think about selling.  The stock's performance will depend on what happens in the future. Financials just document the past, and are subject to all kinds of lumpiness, seasonality, and manipulation. You might benefit from posting a link to where you got your financials.  Whenever one computes something like a dividend payout ratio, one must select a time period over which to measure.  If the company had a rough quarter in terms of earnings but chose not to reduce dividends because they don't expect the future to be rough, that would explain a crazy high dividend ratio.  Or if they were changing their capital structure.  Or one of many other potentially benign things.   Accounting numbers summarize a ton of complex workings of the company and many ratios we look at could be defined in several different ways.  I'm afraid that the answer to your question about how to interpret things is in the details, and we are not looking at the same details you are.


The Transfer of funds outside of Bangladesh is restricted. Any transfers required the permission of Bangladesh Bank [Central Bank]. So the only legal option is to apply for the permission and see if its granted. Western Union is a Money Transfer and typically is good for getting funds into Bangladesh, most expats in Bangladesh would use the service. It can unfortunately not be used other way round.


The trigger for a Currency Transaction Report is over $10K (spending or winning). Casinos are required by law to file a CTR above that level. You can walk away from a casino with your chips, but that will draw scrutiny from security and AML folks who are tracking them. If they think you are acting suspiciously they will file a Suspicious Activity Report (SAR). Both CTRs and SARs are required by the IRS.


REIT's are a different beast than your normal corporate stock (such as $AAPL).  Here is a good article to get you started.  From there you can do some more research into what you think you will need to truly evaluate an REIT. How To Assess A Real Estate Investment Trust (REIT)  Excerpt: When evaluating REITs, you will get a clearer picture by looking at funds from operations (FFO) rather than looking at net income. If you are seriously considering the investment, try to calculate adjusted funds from operations (AFFO), which deducts the likely expenditures necessary to maintain the real estate portfolio. AFFO is also a good measure of the REIT's dividend-paying capacity. Finally, the ratio price-to-AFFO and the AFFO yield (AFFO/price) are tools for analyzing an REIT: look for a reasonable multiple combined with good prospects for growth in the underlying AFFO. Good luck!


The idea behind this move is to avoid or mitigate long-term deflationary pressure and to boost the competitiveness of Swiss exporters. This is primarily a Swiss-based initiative that does not appear likely to have a major impact on the broader Eurozone. However, some pressure will be felt by other currencies as investors look to purchase - ie. this is not a great scenario for other countries wanting to keep their currencies weak. In terms of personal wealth - if you hold Swiss f then you are impacted. However, 1.2 is still very strong (most analysts cite 1.3 as more realistic) so there seems little need for a reaction of any kind at the personal level at this time, although diversity - as ever - is good. It should also be noted that changing the peg is a possibility, and that the 1.3 does seem to be the more realistic level. If you hold large amounts of Swiss f then this might cause you to look at your forex holdings. For the man in the street, probably not an issue.


A typical manufacturer buys raw materials, produces a product using labor and energy at a specific cost with some waste, and then sells the product to produce income. A bank buys raw materials (deposits) by paying interest, then uses labor and energy to turn a portion of the raw materials into their product (loans), they then receive income (interest) on those loans. If the income exceeds the cost to buy and produce the loans taking into account losses due to delinquencies (waste) the bank company has made a profit. The growing profits can lead to an increase in stock prices or the paying of dividends. The search for more raw materials can lead to paying more for the raw materials, or by buying other factories (branches) or even other bank companies.


"When you buy a share of stock, you are almost always buying from someone who previously purchased that share and now wants to sell it. The money -- minus broker's fee -- goes to that other investor, which may be a person, a company (rarely the company that issued the stock, but that will occasionally be the case), an investment fund, the ""market maker"" for that stock (websearch for definition of that term), or anyone else. They owned a small percentage of the company; you bought it from them and gave them the money for it, just as you would buy anything else. You don't know or care who you bought from; they don't know or care who they sold to; the market just found a buyer and seller who could agree on the price. There are a very few exceptions to that. The company may repurchase some of its own shares and/or sell them again, depending on its own financial needs and obligations. For example, my own employer has to purchase its own shares periodically so it has enough on hand to sell to employees at a slight discount  through the Employee Stock Ownership Program. But you generally don't know that's who you're selling to; it happens like any other transaction. And during the Initial Public Offering, if you're lucky/privileged enough to get in on the first wave of purchases, you're buying from the investment bank that's managing this process ... though that's an almost vanishingly rare case for ""retail"" investors like us; we're more likely to get the shares after someone has already pushed the price up a bit. But really, when you buy a share the money goes to whoever you bought it from, and that's all you can know or need to know."


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Back of the envelope calculation: 30K limit, 5 year draw, 5 year post draw payback. Int 6% a year, 3% minimum payment. Borrow 5K at the start of the draw period, make the minimum payment for the next 5 years. At the end of 5 years still owe approximately $1123, and have paid ~775 in interest. Borrow 5K at the start of the draw period, make the minimum payment for the next 5 years but borrow the money from the line of credit. At the end of 5 years still  owe approximately $6711, and have paid ~1711 in interest. The bank loves you. The balance grows instead of decreases. That growing balance become pur profit. Of course you are good for it, because you never came anywhere near the maximum limit of 30K.  This is a variation of somebody tapping the line of credit to invest it, then discovering that it is hard to make enough money to make it worthwhile.   Detailed scenario:


Could be something as innocent as him trying to get your last name to stalk you on Facebook in hopes of asking you out on a date after seeing what you're like, or just creeping on your photos.  Or something as bad as forging documentation, photoshopping his name over yours to show that while he was in the states he got a diploma/degree/etc..  ¯\\_(ツ)_/¯


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P2P lending is basically a debt product with (much) higher risk, I doubt that there's any regulation or government backing in it. The money lent to borrowers are not collateralized or securitized.


Some other ratios:  * Cost per customer (expenses divided by attendance) * Attendance variance year over year * Payroll minutes per patron  Not sure if those help. They have a bunch of smaller performance tracking stats from % of waste from inventory to employee performance.   From talking with my roommate, the theater industry sounds awfully familiar to how the hotel industry tracks it's performance. The hotel industry tracks performance based on occupancy and room revenue. Theaters track performance based on attendance and concession revenue.


Make sure that you have the smallest house in the neighborhood.  Then hopefully anyone with nefarious intent ill go elsewhere.   Don't have anything visible from the street that is expensive.  This includes cars (park the BMW in the windowless garage), fancy grills, pools, bikes, etc.   For maximum effect, put a broken down car in front of the house.  Preferably something 20-30 years old and up on blocks, like an old pickup truck.  A couch on the front porch and a old tub in the yard (unmowed) will complete the effect.


"> Every I have said is 100% factual.  That isn't true in the least bit.  >During the 50s there were plenty of women in the workforce and nothing changed.  There were a growing number of women and wages were trending toward what they are today.  For analysis like this you can't just take a snapshot of data and use that to justify the conclusions you've made about entire periods and the their trends.  >If that's the case the income should have halved but in reality it's been reduced to about 30%.  You are forgetting that there have been enormous productivity and human capital gains over the past half century.  More people are college educated and thanks in large part to things like computers and the internet they are better at their jobs.  > More to the point companies today couldn't afford to pay people the amount they paid in the past.  Some companies in some industries sure, but nothing said here could possibly support that kind of blanket statement about all companies in all industries.  So in conclusion only two things you've said could possible be facts(""there were plenty of women"" and ""reduced to about 30%"") everything else is either poor analysis or ideologically motivated conjecture.  And to top it all off your ""facts"" are so vague(and unsourced) that they are rendered meaningless."


"Exactly. It is not possible to perform a ""study"" of basic income on any subset of a population. All such a study will ever achieve is a ""wealth effect"" relative to those not involved in the study. Therefore, these studies will always appear to work. (Which is the intent of those who conduct them).   As you said, ""basic income"" given to a group within a population is another flavor of welfare. And we already know what it does in aggregate."


I'd buy that. I get the sense that Amazon's looking for talent + low COLA areas so they don't have to pay as much (though obv tax breaks can change the equation). Both Austin + Chicago have a burgeoning tech scene, so I can see the same case for both.


I would say you can file your taxes on your own, but you will probably want the advice of an accountant if you need any supplies or tools for the side business that might be tax deductible. IIRC you don't have to tell your current employer for tax reasons (just check that your contract doesn't state you can't have a side job or business), but I believe you'll have to tell HMRC. At the end of the year you'll have to file a tax return and at that point in time you'll have to pay the tax on the additional earnings. These will be taxed at your highest tax rate and you might end up in a higher tax bracket, too. I'd put about 40% away for tax, that will put you on the safe side in case you end up in the high tax bracket; if not, you'll have a bit of money going spare after paying your taxes.


"Let's imagine an economy where 100% of wealth creation comes from existing financial assets and 0% comes from new wealth creation. That would essentially be a dead economy. I don't think it matters what your philosophy on economics is--that's a bad outcome. If you don't agree with that point we'll stop here. Note, if you don't think it's bad for this to keep going higher, Japan is at about 80% and we know how they're doing.  If you agree 100% would be bad then we're 70% of the way there in the US. Trump's tax plan, if enacted, would push us even further. The question we should be asking is what is a reasonable way to encourage NEW wealth creation rather than protect and preserve existing wealth. For starters, it makes little sense to have a preferential tax rate for capital gains/dividends/estates as compared to earned income. Even if you just hate taxes and want them all to be gone I think it's fairly easy to say IF we're going to have taxes they should not favor income/transfer from existing financial assets as compared to earned income.  A much more reasonable way to approach this is to say, we have a lot of concentration of financial assets in the top decile of wealth spectrum. Let's just level the tax rate so that income from financial assets is taxes at a similar rate to income from work. That's not even an ""eat the rich"" proposal, it's just a ""eat everyone equally"" proposal. All it would do is tax the very substantial gains in stocks at the same rate as the very meagre (median) gains from working.  The fact that taxing income from financial assets at the same rate as work is a controversial idea is, to me, emblematic of a government completely captured by wealthy interests."


I'm not sure where you are, but in the United States capital gains are taxed at a lower rate than other types of income. On the 1040, captial gains income is separated from earned income, and income tax is calculated just on earned income. Then capital gains tax is calculated on capital gains income, and then added to income tax afterward.


I've done this for many years, and my method has always been to get a bank draft from my Canadian bank and mail it to my UK bank. The bank draft costs $7.50 flat fee and the mail a couple of dollars more. That's obviously quite a lot to pay on $100, so I do this only every six months or so and make the regular payments out of my UK account. It ends up being only a couple of percent in transaction costs, and the exchange rate is the bank rate.


According to you QE saved the economy yet the people closest to it, the politicians won't run for reelection on it. First time that's happened after a supposed recovery. That is the point. Your idea of separating politics and discussions of the economy are about 100 years out of fashion.


Answers here are correct but I'll offer an extremely (overly) simple explanation that should help you in understanding the more detailed answers.  When most people own stock they do so through a broker.  Unless you jump through some hoops, the broker keeps the shares in the name of the brokerage.  This is called holding the stock in street name. When you sell short through a brokerage, the broker is letting you borrow a certain number of shares owned by someone else and sell them for cash now.  At some point, you need to repay this loan with the same number of shares you borrowed.  Ideally, you want the stock to drop to $0.  The reason you might be forced to purchase the stock is that the actual owner(s) of the stock want to sell.  If the broker has too many people wanting to sell, you will need to repay some of all of the loan (in shares) i.e. purchasing shares at the current market price.


As keshlam said, an ETF holds various assets, but the level of diversification depends on the individual ETF. A bond ETF can focus on short term bonds, long term bonds, domestic bonds, foreign bonds, government bonds, corporate bonds, low risk, high risk, or a mixture of any of those. Vanguard Total International Bond ETF (BNDX) for instance tries to be geographically diverse.


> at the very least you should talk to the current owners   This is the best advice. You're not going to come up with a plan the current owners believe in, nor one that will actually succeed, without getting all the info you can.  They're in a tailspin already; you're not going to harm your negotiating position by letting them know you're interested.


"The silly thing is there's a degree of separation from that. He only owned companies that did that. Everyone who owns an SPY contract or tracking mutual fund is ""guilty"" of the same thing.  This is political nonsense that doesn't belong in this subreddit."


You need to contact the trading company and ask them what's going on. If it's simply a matter of needing to add more cash because you are now classified as a day trader, then call them, ask them what you need to do to not be considered a day trader, and do that. It would likely consist of not trading for a week and then trading less than you were going forward to avoid getting classified as a day trader again.  That would be the easy problem to solve, so I hope that's right.


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As someone who works with LBOs and a decent number of M&A deals, I find the biggest issue is that managers don't understand the competitive advantages of their company. They try to pivot into higher margin processes and products because they see other companies who are doing well there. The companies who succeed target niches in the market and make acquisitions that complement their skills. The other issue is that the market is too hot right now and when a good company comes up, you have PE firms and strategics bidding against each other, typically leaving a winner who bid too high.


Are there any books on the Federal Reserve that explains what it does without going into conspiracy theories?  I want a solid, in-depth book that explains it so that I can understand what is going on with Quantitative Easing, etc, without degenerating into some discussion about the Illuminatti.


I would put down 12% and pay PMI.   Either way, you are taking out a loan, with payments against 88% of the value of the home. I assume the mortgage note would be either 15 or 30 years and the 401k loan would be less (5? 10?). If you take out an 88% mortgage loan and pay it off at the same pace you would have paid the 401k loan, you'll be down to 80% LTV quickly and PMI will stop.   If the housing market rebounds and your house appreciates, you'll be at 80% LTV quickly.  If you change jobs/lose jobs your mortgage will be unaffected.   PMI is an easily quantifiable risk that is worth paying in this case. Contrasted with the 401k loan, the job loss/job change risk is great.   It isn't just if you lose your job.  Maybe you'll find a great opportunity with a great company that has a 401k plan that doesn't allow loans.   Will you forgo taking that job because of your 401k loan?


I'm going to talk to them about it eventually, the owners know what my goals in life are and like how I work so that is very good advice thank you  I'll get experience in management before anything happens anyway, and so far in my short time I've already seen how some food ordering goes down so I can only imagine I'll get more exposure to it


Diversification is an important aspect of precious metals investing.  Therefore I would suggest diversifying in a number of different ways:


I agree with the first part, but once they come under pressure for continued low revenue growth they will finally re-learn that higher wages lead to higher demand. The higher demand would lead to greater sales which would offset the loss of margin from increases in worker pay.


"I'm not a socialist.  I'm someone who wants people to actually give a crap about each other, rather than trying to ""get as much as they can"" out of the other guy.  I believe Capitalism has great strengths, and Socialism does as well.  And they both have great weaknesses.  And our current ""discourses"" refuse to recognize both the strengths and weaknesses at the same time, refuse to look for a better way, if it isn't the way they already decided was right, and are more than willing to anything they can to trash their competition.  That isn't how you solve problems, and isn't how we can ""Make America Great Again.""  It's ridiculous and infantile.  The best I can do (right now) is reveal the falsehoods when I see them advertised, and hope people see.  Maybe help people come up with better ideas, like smoothly sliding rather than tiered taxes, and recognizing big money needs to bear big loads, just like the strong need to lift heavy weights, the smart need to delve into the difficult problems, and the caring need to show people care when they need it.  And they should also be rewarded for their efforts.  Just not the way we do things right now, where money trumps all."


Manufacturing *employment*. Manufacturing *output* has increased.  The people who used to be employed in manufacturing are slowly being shuffled to places where they can be more productive rather than taking up space in jobs where they have become extraneous due to productivity gains. This means a lot of retraining is necessary but there's really little alternative.  This has nothing whatsoever with the growth potential of the economy, so I'm not sure why you brought it up.


"You're just outright wrong.    I'm sure if you post an ask reddit asking about people who smoke and what they do for a living you will be outright amazed at the cross section you find.  I make 6 figures, work my but off, and run a consulting business on the side and I'm a regular smoker.    I have co-workers who are regular smokers who also make 6 figures, in fact of the people I work with that smoke, the lowest paid makes somewhere in the 70k range.    Now, that anecdotal evidence is not super compelling as there are confounding factors.  But it's far more compelling than ""This is how it is because this is how I feel it is"", which seems to be the gist of your responses."


"Henry Ford said something like "" I dont ask my customers what they want, They would just ask for a faster horse and carriage.""  He also said that he would sell any color car the customer wants as long as it was black.    Marketing gets a bad wrap because it is usually done wrong.  In reality it is way harder to do right than finance.  partly because there is no mathematical answer."


Standard Markowitz's portfolio optimization takes trend into account, not mean reversion. Otherwise, since a portfolio is a linear combination of your individual assets, you could 1st model them separately and than establish a second-layer criteria for weighting. For the 1st layer, mean reversion (as well as trend) of returns can be captured with a ARIMA model, and for the 2nd layer, you could use the Kelly criterion, for instance. A more direct approach to mean-reversion portfolio selection is working with pairs trading. I'm not linking any materials as those topics are plentiful on the web. ...If that's still not the answer you're looking for... The problem with predicting economic cycles is that, they are long, and we hardly have a sufficient measured history to forecast anything reliable. In order to predict the mean reversion of a stock or bond market cycle, you've got to measure their long-term mean first. And there you'll have disagreements right on the start... Some researchers (see Jeremy Siegel) have tried to measure the long-term mean of returns for various asset classes. Some argue that stocks are the long-run winners and that CAPM explains that, but others say that's just questionable, since measurements go just as far as the western countries (US, UK, etc.) have thrived. Other countries have much more recent economic records.


If you are refering to company's financial reports and offerings, the required source for companies to disclose the information is the SGX website (www.sgx.com) under the Company Disclosure tab.  This includes annual statements for the last 5 years, prospectus for any shares/debentures/buy back/etc which is being offered, IPO offers and shareholders meetings. You may also find it useful to check the Research section of the SGX website where some of the public listed companies have voluntarily allowed independent research firms to monitor their company for a couple of years and produce a research report. If you are referring to filings under the Companies Act, these can be found at the Accounting and Regulatory Authority (ACRA) website (www.acra.gov.sg) and you can also purchase extracts of specific filings under the ACRA iShop. To understand the Singapore public listing system and the steps to public listing, you may find it useful to purchase one of the resource documents available for Singapore law, finance, tax and corporate secretaryship which are sold by CCH (www.cch.com.sg). Specifically for public listing the Singapore Annotated Listing Manual may help.  It is common practice for companies here to employ law firms and research firms to do the majority of this research instead of doing it themselves which I one of the reasons this information is online but perhaps not so visible. I hope I have understood your question correctly!