Never forget that this country is sitting on the *largest oil reserve in the world*, even the middle east cannot compete. All they had to do was:  * extract the oil  * sell the oil  * profit  But no, they voted communists. They don't even have acces to toilet paper anymore, but they still praise Chavez, blaming his sucessor instead.


It's not taxpayer money.  It's from the ill-gained profits of Ticketmaster.  The legal expenses will come from Ticketmaster as part of the settlement.  Each plaintiff gets $1.50 per ticket bought up to 17, they are not asked to pay for the attorneys.  If Ticketmaster chooses to raise prices they will lose sales and hopefully another company will find a way to compete with them and cut into their market share.  Again the individual class member (anyone who used Ticketmaster the last few years) did no work aside from signing their name to the agreement and now want to bitch about getting a free coupon.  If you think you could have won a million dollar judgment for being overcharged by a few dollars you are simply delusional.  The legal system is not meant to reward people for being screwed over but to restore people to their rightful position and to punish wrongdoers.


There can be so many different motives behind having a company conduct an employment background check. Depending on the criteria of the company, a background check can be done to investigate the aspirants’ credit history, criminal records, employment history, education, motor vehicle and license records, and civil records and so on.


Keep a list of your accounts, banks, life insurance policies, location of your will, etc, and make sure two people you trust know where you keep that list. Review and update the list at least once a year. This way if something happens to you, your next of kin will have an easier time locating your financial details and final wishes. And having a list also means you won't forget about any of your accounts.


Yes in order for you to short a stock, some one has to be willing to lend it to you to short, the more people that want to short this stock, the higher the borrowing rate is to short it. in some instances such as groupon so many people are shorting it that there are practically no shares left to short and if you do end up getting some it would be at a very high borrowing cost.


"As an aside, on most securities with a spread of the minimum tick, there would be no bid ask spread if so-called ""locked markets"", where the price of the best bid on one exchange is equal to the price of the best ask on another, were permitted. It is currently forbidden for a security to have posted orders having the same price for both bid and ask even though they're on different exchanges. Option spreads would narrow as well as a result."


> This could be a good idea. Let's see what they want to replace it with first.  Yeaaaaa, just makes me think of how things with healthcare are going. Originally when they first wanted to get rid of the previous system they had no good new system to take over.


"It's simply supply and demand.   First, demand: If you're an importer trying to buy from overseas, you'll need foreign currency, maybe Euros.  Or if you want to make a trip to Europe you'll need to buy Euros.  Or if you're a speculator and think the USD will fall  in value, you'll probably buy Euros. Unless there's someone willing to sell you Euros for dollars, you can't get any.  There are millions of people trying to exchange currency all over the world.  If more want to buy USD, than that demand will positively influence the price of the USD (as measured in Euros).  If more people want to buy Euros, well, vice versa. There are so many of these transactions globally, and the number of people and the nature of these transactions change so continuously, that the prices (exchange rates) for these currencies fluctuate continuously and smoothly. Demand is also impacted by what people want to buy and how much they want to buy it.  If people generally want to invest their savings in stocks instead of dollars, i.e., if lots of people are attempting to buy stocks (by exchanging their dollars for stock), then the demand for the dollar is lower and the demand for stocks is higher.  When the stock market crashes, you'll often see a spike in the exchange rate for the dollar, because people are trying to exchange stocks for dollars (this represents a lot of demand for dollars). Then there's ""Supply:"" It may seem like there are a fixed number of bills out there, or that supply only changes when Bernanke prints money, but there's actually a lot more to it than that.  If you're coming from Europe and want to buy some USD from the bank, well, how much USD does the bank ""have"" and what does it mean for them to have money?  The bank gets money from depositors, or from lenders.  If one person puts money in a deposit account, and then the bank borrows that money from the account and lends it to a home buyer in the form of a mortgage, the same dollar is being used by two people.  The home buyer might use that money to hire a carpenter, and the carpenter might put the dollar back into a bank account, and the same dollar might get lent out again.  In economics this is called the ""multiplier effect."" The full supply of money being used ends up becoming harder to calculate with this kind of debt and re-lending.   Since money is something used and needed for conducting of transactions, the number of transactions being conducted (sometimes on credit) affects the ""supply"" of money. Demand and supply blur a bit when you consider people who hoard cash.  If I fear the stock market, I might keep all my money in dollars.  This takes cash away from companies who could invest it, takes the cash out of the pool of money being used for transactions, and leaves it waiting under my mattress.  You could think of my hoarding as a type of demand for currency, or you could think of it as a reduction in the supply of currency available to conduct transactions. The full picture can be a bit more complicated, if you look at every way currencies are used globally, with swaps and various exchange contracts and futures, but this gives the basic story of where prices come from, that they are not set by some price fixer but are driven by market forces.   The bank just facilitates transactions.  If the last price (exchange rate) is 1.2 Dollars per Euro, and the bank gets more requests to buy USD for Euros than Euros for USD, it adjusts the rate downwards until the buying pressure is even.  If the USD gets more expensive, at some point fewer people will want to buy it (or want to buy products from the US that cost USD).  The bank maintains a spread (like buy for 1.19 and sell for 1.21) so it can take a profit. You should think of currency like any other commodity, and consider purchases for currency as a form of barter.  The value of currency is merely a convention, but it works.  The currency is needed in transactions, so it maintains value in this global market of bartering goods/services and other currencies.  As supply and demand for this and other commodities/goods/services fluctuate, so does the quantity of any particular currency necessary to conduct any of these transactions. A official ""basket of goods"" and the price of those goods is used to determine consumer price indexes / inflation etc.  The official price of this particular basket of goods is not a fundamental driver of exchange rates on a day to day basis."


Thanks for the response.   Basically, the rub is that things are complicated and intertwined.  These kinds of heart-string tugging articles seem to want to shame Western culture as the bad guys but the truth is that our influence is both good and bad (and as you said, somewhat negligible) at the same time.


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


The daily Volume is usually compared to the average daily volume over the past 50 days for a stock.  High volume is usually considered to be 2 or more times the average daily volume over the last 50 days for that stock, however some traders might set the crireia to be 3x or 4x the ADV for confirmation of a particular pattern or event. The volume is compared to the ADV of the stock itself, as comparing it to the volume of other stocks would be like comparing apples with oranges, as difference companies would have different number of total stocks available, different levels of liquidity and different levels of volatility, which can all contribute to the volumes traded each day.


I love progress.  What I don't love is man's greed and quest for power.  The powerful NEVER willingly give up power without a fight.  This time around the automation revolution will not be the same as previous tech revolutions.  It will permanently displace jobs with NO jobs created to place the vast number of jobs lost.  So it's either a universal basic income or a revolution.  I predict the latter as the greed of man will never leave until beaten out of them.


Well that was unexpected . . .maybe if we sanction toilet paper as well, textiles didn't cut it.  I guess a reasonable conversation where everybody treats everybody with respect is out of the question . . .oh wait . .monosyllabic retarded morons is what makes MAD work.


"While I totally agree with you, talking to free market people, you have to address it this way.   Their point is that they should pay what the market bears, not what you want to make.  That is fair.    But that market has shown they need to pay more, but they ""can't do it"".     Roofing is a perfect example.   Charge $6000 for a roof, materials cost $2000.   Labor costs $800.   The rest is additional expenses and profit.  Even if you have to give your roofers a 25% raise that is $200.  You aren't going out of business even if you have to absorb the increase and you can't tell me you can't raise your prices by $200, when your competitors are all over the board.  I guarantee that if the cost of shingles go up, the cost of a roof is raised, no second thought.   The problem is that they think their competitors are still paying the old rate.  They are no longer competitive if they give a raise, they are no longer competitive."


This is called an in-plan Roth conversion and is discussed by the IRS here. If your 401(k) has a Roth option then it likely also has a provision to convert pre-tax dollars, but you'll have to check with the administrator to be sure. They could also potentially limit the type of money that can be converted. But most likely you should be able to convert any amount you want, and since it's all pre-tax (your contributions, employer matching, and earnings), it doesn't really matter which money is converted because it's all equivalent. One caveat is you won't able to convert any employer matching that hasn't fully vested.


My credentials: I used to work on mortgages, about 5 years ago. I wasn't a loan officer (the salesman) or mortgage processor (the grunt who does the real work), but I reviewed their work fairly closely. So I'm not an absolute authority, but I have first-hand knowledge. Contrary to the accepted answer, yes the bank is obligated to offer you a loan - if you meet their qualifications. This may sound odd, and as though it's forcing a bank to give money when it doesn't want to, but there is good reason. Back in the 1950's through 1980's, banks tended to deny loans to African Americans who were able to buy nicer homes because the loan officer didn't quite 'feel' like they were capable of paying off an expensive house, even if they had the exact same history and income as a white person who did get approved. After several rounds of trying to fix this problem, the government finally decreed that the bank must have a set, written criteria by which it will approve or decline loans, and the interest rates provided. It can change that criteria, but those changes must apply to all new customers. Banks are allowed a bit of discretion to approve loans that they may normally decline, but must have a written reason (usually it's due to some relationship with the customer's business (this condition adds a lot of extra rules), or that customer has a massive family and all 11 other siblings have gotten loans from the same loan officer - random rare stuff that can be easily documented if/when the government asks). The bank has no discretion to decline a loan at will - I've seen 98-year-olds sign a 30-year mortgage, and the bank was overjoyed because it showed that they didn't discriminate against the elderly. The customer could be a crackhead, and the bank can't turn them down if their paperwork, credit, and income is good. The most the loan officer could do is process the loan slowly and hope the crackhead gets arrested before the bank spends any more money. The regulations for employees new to the workforce are a bit less wonderful, but the bank will want 30+ days of income history (30 days, NOT 4 weeks) if you have it. BUT, if you are a fresh new employee, they can do the loan using your written and signed job offer as proof of income. However, I discourage you from using this method to buy a house. You are much, much better off renting for a while and learning the local area before you shop for a house. It's too easy to buy a house without knowing the city, then discover that you have a hideously slow drive to work and are in the worst part of town. And, you may not like the company as much, or you may not be a good fit. It's not uncommon to leave a company within a year or two. You don't want a house that anchors you to one place while you need the freedom to explore career options. And consider this: banks love selling mortgages, but they hate holding them. They want to collect that $10,000 closing fee, they couldn't care less about the 4% interest trickling in over 30 years. Once they sign the mortgage, they try to sell it to investors who want to buy high-grade debt within a month. That sale gives them all the money back, so they can use it to sell another mortgage and collect another $10,000. If the bank has its way, it has offloaded your mortgage before you send the first payment to them. As a result, it's a horrible idea to buy a house unless you expect to live there at least 5 or 10 years, because the closing costs are so high.


Unanticipated unemployment is usually the triggering factor for drawing on an emergency fund. Ask yourself: what happens if I lose my job tomorrow? Or my spouse becomes unemployed? What happens if I become disabled and can't work for x amount of time? Sure, you can discount your chances of needing such a fund if you have free health care. But having health insurance doesn't change the fact that an emergency fund is a good idea. There are many ways to go broke!


Trickle down economics / tax structure have been repeatedly shown to not work as well as progressive taxation for the health of the overall economy. Poor people don't save, give them money and it comes right back putting us all to work.


"Purely in terms of wealth generation, doesn't it make perfect sense to progressively replace humans in roles that can be automated and shift them to things that can't? It might ruin the American middle class in the US, but in more egalitarian societies, that might not be exactly the same problem. If the ""middle class"" - the non-creative part of it, at least - is replacable, perhaps it's a sign that the current system is inefficient?"


"Here is the discussion: https://www.reddit.com/r/personalfinance/comments/6gsvgh/the_supreme_court_has_decided_that_the_fair_debt/    Yes, but the discussion was that this allows for many loopholes where an outside firm can be hired for collections, which can then go back to using tactics like the old dark days.  ...also fyi - I assume in your comment above you meant ""owned"" not ""owed""..."


"There are few cases where trades were reverted because of a ""technical issues"", for example: When BATS did its IPO its price went down to a few penny due to a computer glitch, because of that the regulators allowed the trades to be reversed as if nothing happened. I think that some trades during the flash crash of the 6 May 2010 were reversed too. However, if the act is clearly fraudulent, they can try to sue the responsible. If a tribunal were to condemn him to reimburse them and that he has enough money to pay for it, they could get their money back. But think of Madoff, the people that invested with Madoff didn't have their investment reversed as Madoff didn't have the money to pay them back. The sames goes with most of criminal, crooks and even rogues traders. Finally, before thinking of reverting anything, there are laws about financial firms to make them implements proper checks to avoid that kind of fraudulent activities as they are responsible for most of the operational risk, especially when it could impact both the firm and their clients. And if the firm doesn't comply with those laws, they are unlikely to get the tribunal on their side if a problem arise."


It's a pretty good tip. People are often telling you the answer but not explicitly. Example:  You call about bad service and demand a refund. The employee tells you:  I'm sorry, sir, I can't give you back your money.  But maybe he actually said:  I'm sorry, sir, *I* can't give you back your money. Maybe someone else can?  I'm sorry, sir, I can't *give* you back your money. So not give but trade?  I'm sorry, sir, I can't give you back your *money*. So what can you give?


Having lived in both places, I have to say you can find a higher income in the US for the same job and can live in a small town versus having to live in a big city in Canada to find decent salaries.  For similar sized cities, the cost of housing is significantly lower in the US than Canada.  That is your biggest factor in cost of living.  If you are thinking of NYC or San Francisco, there are no comparable size cities in Canada and you would probably be better off in Canada.   My tax preparer was amazed at how much I paid in Capital Gains taxes when I left Canada.  Maybe it is different now but I doubt it. The biggest free lunch in the US is a generous capital gains exemption when you sell your primary residence without any lifetime cap or cap on the number of times you can do it.  There are rules on how long you have to live in it before selling. For investment real estate, all expenses are deductible in addition to fictional depreciation so with a mortgage you can have positive cash flow and pay no income tax.  You can keep doing tax deferred exchanges into bigger and bigger rentals.  When you are close to retirement, you can exchange into your ultimate beach home, rent it out a few years, then convert to a primary residence.


The beta of a stock can be interpreted as the average relative movement of a stock with respect to the movement of a market index. In your case, the stock will move on average by 0.8. Thus over a longer time horizon, not on a daily, weekly basis.


You would need to check with Bank as it varies from Bank to Bank.  You can break the FD's. Generally you don't loose the interest you have earned for 1 years, however the rate of interest will be reduced. i.e. if the rate was 7% for 1 year FD and 8% for 2 years FD, when you break after a year you will get only 7%. Generally this can happen in few hours but definitely in 2 days. You can get a Loan against FD's. Generally the rate of interest is 2% higher than FD rate. There is also initial processing fee, etc. Check with the Bank, it may take few days to set things up.


All Indian Banks are offering USD accounts known as multicurrency account, where you can hold your fund, this account also permits you to book the USD to INR rates in advance if you require. You can keep your money in this account and also can remit the same back to source or other destination country.


Firstly well done on building a really sold base of savings. An emergency fund needs to have two key characteristics: Be enough to get you through a typical emergency event (often seen as approx. ~6 months’ salary in your style of situation assuming you have no dependents etc) Be liquid and available to you instantly if an emergency arises Once you have decided how much you will need for 1), you then generally find the best interest available on an instant access savings account and leave it there. It's important to note that because you need it very liquid and very secure you will basically never make (nor should  you expect to make) any sizeable rate of interest on your emergency fund. Once this is done, whatever left should be invested in an asset/mix of assets that best fit your risk profile - of which long term bonds are a completely legitimate option, but it's hard to say without knowing more about your long term aims/liabilities/job market etc.


The alternative isn't too bad. Invest in a regular account. The dividends and cap gains will see favorable tax treatment. In my opinion, much of the magic of the retirement account is with 401(k) matched deposits.  The benefit you'll miss is the long term opportunity to skim income off the top, at say, 25%, have it grow, and then withdraw it at a much lower average tax rate. If that benefit doesn't outweigh the fear of the 10%, stick with my first thought above.


"Simple answer is because the stocks don't split. Most stocks would have a similar high price per share if they didn't split occasionally.  Why don't they split? A better way to ask this is probably, why DO most stocks split? The standard answer is that it gives the appearance that stocks are ""cheap"" again and encourages investors to buy them. Some people, Warren Buffett (of Berkshire Hathaway) don't want any part of these shenanigans and refuse to split their stocks. Buffett also has commented that he thinks splitting a stock also adds unnecessary volatility."


I'm familiar with the efficient market hypothesis. And the argument over if the markets are weak, semi-strong or strong firm efficient. Most of the evidence suggests they are semi-strong form efficient. Are you looking after fees? I'd argue before fees, you'd find a lot more that do on a regular basis. If you'd like to read something, take a look at Warren Buffets letter in the back of intelligent Investor. It's named something about Graham Doddville. He addresses your argument as to random dollar winners. Now you've made a promise you can't keep, because I'm not very wrong. :)


People in the United States in the mid-2000's thought that real estate was safe.  Then they discovered that when the bubble burst the value of their house dropped 10 to 50%. Then they realized that they couldn't sell, even if they had the cash to make the lender whole. Some lost their houses to foreclosure, others walked away and took massive hits to their wealth and credit scores. When it is hard or impossible to sell, that means you can't move to where the jobs are. While it is possible to make money in real estate, treating your house as an investment vehicle means that you are putting not only all your eggs into one basket; you are also living in the basket. In general you should assume that all investment involves risk. So if you are trying to avoid all chances of losing money then the safest form of investment is via your bank account and government bonds. Your national government has a program to insure bank accounts, you need to understand the rules for that program, including types of accounts and amounts. You should also look into your national programs for retirement accounts, to make sure you are investing for the long term. Many people invest via the stock market or the bond market. These investments are not guaranteed, though there may be some protection for fraud. The more specific your investments (individual companies) the more time you need to invest in research and tracking. Many investors do so via mutual funds or Exchange Traded Funds, this involves less of a time investment because you are paying the management comp nay for the fund to do that research for all their investors.


The duties are:  Responsible for verifying accuracy and correctness of figures, calculations and postings of all recorded transactions against original documents.  Receives any Casino-related Transaction Reports with associated supporting documents for Title 31 Auditor.  Reconciles reports to supporting documents in accordance with established internal gaming controls, as outlined on daily/weekly/monthly/annual checklists.  Issues Exception Reports for any instances of non-compliance with established internal controls.  Coordinates with the lead audit clerk or Accounting Supervisor concerning revenue discrepancies and proposed adjustments to be made to correct the same.  Prepares daily recurring journal entries to record daily activity, as appropriate.  Compiles all reports pertaining to the daily audit operations and distributes/saves in accordance with the distribution list/policy.  Maintains complete audit records in an organized manner for proper record retention as per company policy.  Files all documents and computer reports for future reference.  Other related duties as assigned.   I want to work in corporate finance, forecasting and budgeting.


The irony endures: business supports Republican intransigence on stimulus and regulation as business lobbies like the Chamber of Commerce fight every effort to spur growth. Yet the markets, funded by these self-same businesses, demand further government intervention and spurn stimulus efforts they deem insufficiently robust. At some point one would hope this inherent contradiction between what businesses are doing politically and economically would become apparent to a wider audience but the mainstream media remains too frightened to report anything for which they could be 'Rather-ed.'


How can this possibly be profitable for both parties if the theater is getting paid in full for each movie? At $10 a month they basically have cut even on a single movie so every movie someone watched after that would be a loss. Unless there's something I'm missing. A movie is $10 where I'm at, if I pay this company $10 and watch 4 movies (1 a per week), how can everyone make a profit? The margins aren't that great for them to be giving super discounted bulk rates either, and most theaters make money off of concessions anyways, so it would end up being the movie  productions that gets stiffed.


Either the healthcare will be paid for in the form of insurance, often through the company, or in the form of taxes on wages and corporate profits. Either way, the costs of healthcare is paid for out of the productive efforts of the citizens.  The question regarding healthcare is: which system is more efficient? Which system provides the health outcomes that we want for the proportion of our productivity that we are willing to spend on it?


"This is only true if you define ""intrinsic value"" to mean backed by an asset. I think that is a stupid definition, and so too do lawmakers and economists which is why we abolished the gold standard. There is intrinsic demand for dollars because of US federal law, to me an asset with automatic government-backed demand has intrinsic value because I don't believe people and companies will suddenly decide to be tax delinquents en masse."


"First of all, many employees (past a few years in particular) are *always* looking for new jobs. It's how they make sure that they're always getting the best value for their services. This is doubly true for ""star"" employees.  I don't know if this is some cultural thing, but I can tell you my own experience as an employer of roughly 40 people in Sweden over the last half decade. The business is web development. My take from this infograph is that   1) people who are about to leave do worse work  2) people who are about to leave act differently  re:1) I just don't agree with in any way, in fact quite the contrary. People who have left my employment have done better in the last 3-4 months than they have before, just so that they can 1) get a good reference letter and 2) leave my employment on good standing, so that noone feels slighted. Rational, intelligent people do not burn bridges, they build networks.  re:2) People who are looking for other jobs act just like they always do. All the ideas for behavioural change presented in this infograph are completely circumstantial.   In my experience, the best way to identify employees who are very close to leaving, or seriously considering it, is listening to what they have to say. They'll make sure new messages get through, such as ""this job isn't challenging enough"" or ""I'm not having fun"". If they DON'T make those messages and still leave, it means they didn't think you would be able to change those circumstances. But, of course, that is more or less [equity theory](http://en.wikipedia.org/wiki/Equity_theory#Equity_theory_in_business) in practice. (edit: just to be clear, the point I'm trying to make here is that star employees have no problems voicing their discontent with current affairs)  (edited out some details that could be used to identify the business)"


Gold's value starts with the fact that its supply is steady and by nature it's durable. In other words, the amount of gold traded each year (The Supply and Demand) is small relative to the existing total stock. This acting as a bit of a throttle on its value, as does the high cost of mining. Mines will have yields that control whether it's profitable to run them. A mine may have a $600/oz production cost, in which case it's clear they should run full speed now with gold at $1200, but if it were below $650 or so, it may not be worth it. It also has a history that goes back millennia, it's valued because it always was. John Maynard Keynes referred to gold as an archaic relic and I tend to agree. You are right, the topic is controversial. For short periods, gold will provide a decent hedge, but no better than other financial instruments. We are now in an odd time, where the stock market is generally flat to where it was 10 years ago, and both cash or most commodities were a better choice.  Look at sufficiently long periods of time, and gold fails. In my history, I graduated college in 1984, and in the summer of 82 played in the commodities market. Gold peaked at $850 or so. Now it's $1200. 50% over 30 years is hardly a storehouse of value now, is it? Yet, I recall Aug 25, 1987 when the Dow peaked at 2750. No, I didn't call the top. But I did talk to a friend advising that I ignore the short term, at 25 with little invested, I only concerned myself with long term plans. The Dow crashed from there, but even today just over 18,000 the return has averaged 7.07% plus dividends. A lengthy tangent, but important to understand. A gold fan will be able to produce his own observation, citing that some percent of one's holding in gold, adjusted to maintain a balanced allocation would create more positive returns than I claim. For a large enough portfolio that's otherwise well diversified, this may be true, just not something I choose to invest in. Last - if you wish to buy gold, avoid the hard metal. GLD trades as 1/10 oz of gold and has a tiny commission as it trades like a stock. The buy/sell on a 1oz gold piece will cost you 4-6%. That's no way to invest. Update - 29 years after that lunch in 1987, the Dow was at 18448, a return of 6.78% CAGR plus dividends. Another 6 years since this question was asked and Gold hasn't moved, $1175, and 6 years' worth of fees, 2.4% if you buy the GLD ETF. From the '82 high of $850 to now (34 years), the return has a CAGR of .96%/yr or .56% after fees. To be fair, I picked a relative high, that $850. But I did the same choosing the pre-crash 2750 high on the Dow.


Congratulations on making it at minimum you are close to a 2 millionaire if I understand your numbers correctly.  Here is what I would do if I woke up in your shoes: 1)  Take some time.  Budget some money and time.  Go live abroad, take hang gliding lessons or become scuba certified.  Something like that.  The only thing I really dislike about your situation is that your wife may be precluded on going with you due to her business concerns.  During this time dream, plan and decide what you want your life to look like.  You seem to understand that you won't be happy doing nothing for a really long time.  Its not a big deal if you blow 50K or so doing this.  Take the wife to Paris, go visit the Galapagos Islands.  2)  You are going to have to become wise about investing.  I'd put close to one million in stock based mutual funds.  That may sound scary, and you might seek others out to help you with this transition.  I feel like that your time spent in your business may have precluded you delving into this area of knowledge.  For now, you may just want to stick it all in interest bearing accounts, and slowly invest the money.  Don't invest in things you don't understand, and you have to be on the look out for the next Bernie Madoff.   3)  Its hard to speak to your desire to downsize your home.  You could probably buy a nice ranch in Nevada from the sale of your home if that is what you desire, but you may kind of hate something like that. 4)  Could you start more of a boutique business?  Not one that occupies all of your time, but one that takes 20-40 hours per week.  Something that interests you, not something that is overly a chore.  Perhaps you can consult in the field that your former business was in.  You most certainly have a lot of intelligent things to say.   5)  Be generous.  Find worthwhile charities to give time and money to.   Congratulations again.  Take some time to dream, and then make those things happen.   Edit:  You may need to make new friends.  Actually wealthy people are a very small segment of the population and are out numbered by people who act wealthy.  Its going to be hard, but you need to find people that have a certain level of wealth but are also don't make you uncomfortable with their level of spending (either high or low).


The point I made is it isn't 'free' trade, it's a race to the bottom where workers in the most developed countries are the ones that pay - at the same time that they are supposed to be consuming those products.  So as you follow it through, its pretty obvious that in the end it falls apart, and that in the meantime it's the businesses that benefit and the workers everywhere who pay. There's nothing 'free' about it.  Fair trade is better than free trade.


Well, if that's the case the whole article is rubbish because it's not Goldman-Sachs who are excluded, but practically everyone.  This [Vanguard Emerging Markets Government Bond fund](https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=3820#tab=2), which you might have in your 401k, is holding $26M worth of them. That was the first place I thought to look for Venezuelan bonds - I'd expect practically every global emerging markets bond fund would be holding some.  [The executive order only applies to some new funds which have been issued to two government entities and which appear not to have been sold outside Venezuela yet.](https://www.bloomberg.com/news/articles/2017-08-25/with-u-s-bond-sanctions-walls-close-in-on-venezuela-s-regime)  Edit: [another article from Bloomberg](https://www.bloomberg.com/gadfly/articles/2017-08-25/it-s-hard-to-quit-venezuela-s-debt-when-it-pays-so-well):  > And yet investors have actually been warming up to Venezuelan bonds in the past week. The nation's dollar-denominated debt has gained nearly 1 percent in the period, while notes of the state-owned Petroleos de Venezuela have returned 1.7 percent.   > … anyone who's been plowing money into emerging-market bond funds recently is most likely also investing in Venezuela because its debt makes up about 2 percent of a main broad benchmark that many EM investors use as a guide.


Nah, most of it was dumbass panic buying at absurd markups. It's annoying since ammo prices go up for pretty much no good reason except the herd has been scared into stampeding cause someone heard Obama fart.


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"A lot of these aren't so much cliches as they are just slang, idioms, or turns of phrases.  There's nothing ""corporate speak"" about ""deal with it"". You can say ""it's our biggest profit-maker"" but ""it's our cash cow"" sounds more casual and everyone gets it.  ""Rubber meets the road"",   ""stepping up to the plate"",   ""perfect storm"",   ""lipstick on a pig"",   ""facing headwind"",   ""move the needle"",   ""put a face to the name"",   ""my 2 cents"",   ""burning a candle on both ends"",   ""drinking from the firehose"",   and really most of these aren't even BUSINESS cliches. They're just good old fashioned regular cliches that EVERYONE uses. Most of them have rural origins and honestly, exceptionally normal."


"What you're referring to is usually called an ""investment club"". If you're serious about it, it's a great way of collectively learning about investing and organizing a cooperative venture.  A friend of the family has been involved with an investment club for about 30 years. It's a great way to keep in touch, learn and invest."


Technically Bitcoin is both blockchain and currency.  As an alternative, Ethereum is its own blockchain that uses Ether as its currency.  By simply calling 'Bitcoin' a fraud, it is easy to assume he can be talking about Bitcoin the currency, or Bitcoin the blockchain.


"That's the problem.  The industry says ""our product costs X for this number of uses"".  ""Activists"" say ""but I still want it, so I'm going to find it for free"".       It's hard to see piracy advocates as an army of people fighting for free speech when time and time again, it is just people who want something, but don't feel like paying the going rate."


Better in terms of what? less taxes paid? or more money to save for retirement? In terms of retirement, it would be better for you to keep the condo you currently have for at least two reasons: You wouldn't incur the penalties and fees from buying and selling a home. Selling and buying a home comes with a multitude of fees and expenses that aren't included in your estimation. You aren't saddled with a mortgage payment again. You aren't paying a mortgage payment right now. If you set aside the amount you would be paying towards that, it more than covers your taxes, with plenty left over to put towards retirement.


I'm currently using Halifax. Pros: Cons: I'm might start using TD Waterhouse in future, as they claim to have no admin charge.


Profits go to the owners of the corporation for providing capitol. CAT is paying around 2% ... a little under $2/year/share in dividends. (note that dividends come out of profits, not before.) A 2% return on investment isn't a terrible thing. It's not great, but in current economic conditions, it's respectable.  Looking at their financial statements, they don't have tons of cash on the books relative to what they spend in a quarter. They do have a fair chunk of their assets tied up in inventory. On the books, that goes down as a profit - kinda. It's mostly neutral accounting wise - money went out, inventory came in. You now have an asset worth exactly what you spent on it. The biggest growth in assets over the last couple of years has been in inventory. The amount in inventory is greater than assets minus liabilities. Then again, so is cash on hand, but the cash flow rate is also pretty high because the margins are low.  So... yeah... they're making more money, but they're also investing most of that back into the capital costs of growing the business. New machinery, inventory that they can sell, business development in new markets, etc. Remember that capital costs are considered neutral - you receive an asset in return. This is distinct from operating costs which come straight to the bottom line.


In theory*, if a company has 1m shares at $10 and does a 10 for 1 split, then the day after it has 10m shares at $1 (assuming no market move). So both the price and the number of share change, keeping the total value of the company unchanged. Regarding your BIS, I suspect that the new number of shares has not been reported yet because it's an ETF (the number of shares in issue changes everyday due to in/out flows). Your TWX example is not ideal either because there was a spin off on the same day as the stock split so you need to separate the two effects. * Some studies have documented a positive stock split effect - one of the suggested reasons is that the stock becomes more liquid after the split. But other studies have rejected that conclusion, so you can probably safely consider that on average it will not have a material effect.


I suppose that's true and it would eventually level out.  But again, that's pure speculation, especially given the history of TSLA et al.  Typically, when we talk about market irrationality, we are thinking of companies that don't just simply have huge PE ratios but also companies with no history suggesting this will ever change.  TSLA is like that.    Sure there are plenty of companies out there that have giant PE ratios but they also have a history of delivering on promises and growing profits.  TSLA doesn't have that history so it makes you wonder why people believe anything will ever be different for the nearterm.  It's really just pure speculation.  Especially with how TSLA constantly under delivers on forecasts.    Nothing wrong with losing money as a start up or even as a more mature company exploring new horizons, but TSLA goes beyond that as just a trainwreck of an investment.  They heavily utilize gov't subsidies and continue to lose money--meanwhile their CEO is in dreamland trying to build a Hyperloop, create revolutionary batteries, automate consumer and commercial vehicles, stop AI, explore nuclear fusion, and a shitload more.


Regarding #1: use the free online version of turbotax and start to play with the numbers for the different options for filing. It can make a difference, based on the imbalance between the couples income. Also filing married but separate can eleiminate some deductions/credits. Regarding #2: when you submit your taxes use the forecasting tool in turbotax to see if you should adjust your withholding. 2012 will be tricky because unless you changed your withholding in early 2011 to account for the change in status, your refund/owe number for 2011 will be unrelated to what will happen in 2012.  Make sure you meet the safe harbor requirements, enough withheld to equal the previous years tax. Joe Taxpayer tried to give you a formula regarding exemptions, here is another explanation: Each exemption is worth a percent of $3800. If you are in the 10% bracket that means it is worth $380 per year.  If you got a big refund or wrote a big check, adjust accordingly. Regarding #4: getting a match is great. Make sure you leave nothing on the table. Other than that it won't make a difference which one you pick.  Look at the funds available, investment types, expenses and go with the one that makes the most sense to maximize. Remember you are not getting interest on the 401Ks you are investing and getting returns. There is no way to know which investment fund will be better in 2012.


Not sure how your companies bonus structure is setup but bonuses are typically based on performance. Commission drives sales people to sell more but once you get to a certain threshold you may find that a sales person is earning enough to quench their hunger for more so their drive may diminish somewhat. Bonuses help bridge that gap e.g. you get $NN bonus at the end of the year if you sell $YY by the end of the year. This helps ensure the company to reach it's financial goals so the people who make the products can still get paid.   EDIT: I don't agree that a company should make bonuses par for the course. If the company is not doing well, no-one should get bonuses.


God, if the last **[partial audit that revealed trillions in secret loans](http://www.goldstockbull.com/articles/federal-reserve-secret-bank-bailouts-topped-16-trillion/)** wasn't enough- I can't see why we wouldn't give them a full audit.   31 USC § 714 - AUDIT OF FINANCIAL INSTITUTIONS EXAMINATION COUNCIL, FEDERAL RESERVE BOARD, FEDERAL RESERVE BANKS, FEDERAL DEPOSIT INSURANCE CORPORATION, AND OFFICE OF COMPTROLLER OF THE CURRENCY   (a) In this section, “agency” means the Financial Institutions Examination Council, the Board of Governors of the Federal Reserve System (in this section referred to as the “Board”), Federal reserve banks, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency. (b) Under regulations of the Comptroller General, the Comptroller General shall audit an agency, but may carry out an onsite examination of an open insured bank or bank holding company only if the appropriate agency has consented in writing. **Audits of the Board and Federal reserve banks may not include—** (1) transactions for or with a foreign central bank, government of a foreign country, or nonprivate international financing organization; (2) deliberations, decisions, or actions on monetary policy matters, including discount window operations, reserves of member banks, securities credit, interest on deposits, and open market operations; (3) transactions made under the direction of the Federal Open Market Committee; or (4) a part of a discussion or communication among or between members of the Board and officers and employees of the Federal Reserve System related to clauses (1)–(3) of this subsection. (c) (1) Except as provided in this subsection, an officer or employee of the Government Accountability Office may not disclose information identifying an open bank, an open bank holding company, or a customer of an open or closed bank or bank holding company. The Comptroller General may disclose information related to the affairs of a closed bank or closed bank holding company identifying a customer of the closed bank or closed bank holding company only if the Comptroller General believes the customer had a controlling influence in the management of the closed bank or closed bank holding company or was related to or affiliated with a person or group having a controlling influence. (2) An officer or employee of the Office may discuss a customer, bank, or bank holding company with an official of an agency and may report an apparent criminal violation to an appropriate law enforcement authority of the United States Government or a State. (3) Except as provided under paragraph (4), an officer or employee of the Government Accountability Office may not disclose to any person outside the Government Accountability Office information obtained in audits or examinations conducted under subsection (e) and maintained as confidential by the Board or the Federal reserve banks. (4) This subsection shall not— (A) authorize an officer or employee of an agency to withhold information from any committee or subcommittee of jurisdiction of Congress, or any member of such committee or subcommittee; or (B) limit any disclosure by the Government Accountability Office to any committee or subcommittee of jurisdiction of Congress, or any member of such committee or subcommittee.  ...  http://www.law.cornell.edu/uscode/text/31/714     The people here who are under an illusion the federal reserve has any sort of meaningful audit, and that it is coincidental that the last audit outside of this limited scope resulted in the information related to trillions of secret loans is very deluded or brainwashed.  Open your fucking eyes, world! The federal reserve bank exists to rob you of the country your fathers conquered!


So because a company has been an extremely successful investment it's like Bitcoin? So do you avoid all successful investments because they are like Bitcoin? Because that's only similarity between Tesla and Bitcoin is the fact that they have both produced substantial returns. If you just avoid companies with substantial returns because they are like Bitcoin than you need to rethink your investing strategy.


>It sounds like you might not be in the target demographic for the service, but that doesn't mean there is no market for it.  I agree 100%.  I wasn't saying it was a dumb business to continue growing.  Just giving my own dumb opinions concerning my own dumb situation.  The disabled sisters across the way get Peapod (a grocery delivery service) regularly.  My sister and brother-in-law (who have kids like you mentioned) use Amazon Now (or something like it) already and appreciate not having to make as many grocery trips.  As far as specific items, I'd just worry about the store being out.  It isn't uncommon for us to get groceries from three (or more) different stores in a given weekend.  Again, we're not the target market.


"That's interesting, I didn't know that.  I'm in the sales/marketing field myself, so this is a very strange idea to me.    It seems like this could help contribute to their problems though...I'd like to think that I'm a relatively intelligent and successful individual, and I would hate the prospect of entering an environment like that.  Don't get me wrong, a job at MSFT is still a job at MSFT.  There are few companies that can offer their level of job security.  But, to know that no matter how much of an asset I'd make myself, that I'm just ""climbing"" a rigid ladder...that's a bit rough.  Obviously, you always have to work your way up any where, but I could see how that might turn away motivated and ambitious talent."


A 'bailout' is money from the government to keep open a business that is no longer viable and by rights deserves to fail.  What happened in this case was different. All banks rely on the overnight bank lending market for liquidity. It is the grease that oils the wheels of international banking. That is not a sign of weakness or recklessness. It is just standard banking practice. In 2008, during the failure of Bear Stearns and the Lehman Shock the overnight lending market simply stopped operating as nobody knew who they could trust and as a result nobody trusted anybody. Something needed to temporarily replace this overnight lending until the crisis was over. This is what that cash infusion was. It was not a bailout.


How important sales people are in an organisation has been said but in some companies there is a bonus model among developers too.   The problem is that it's harder to see a direct relationship between profit and lines of code than it is to see between profit and number of orders.   I'm used to have bonuses to the developers based on 1. keeping deadline and 2. the customer response on the product.  that way the developers tend to work faster and create more quality user experiences.  By setting up quality guide lines that are easy to measure every company can have a bonus model for developers.


"I'm in a similar boat. I've come to a simple conclusion. There are three choices:  * Get something liquid that paces inflation. Stocks or bonds or something. Your 500USD 2014 dollars will still be worth about 500USD 2014 dollars in the future. If you need the change, you pull it and spend it.  * Upfront capital for something entrepreneurial. I don't know what to do, you don't either. Whatever it is it's probably a fuckton of work. I've heard stories about guys busting ass for a lawnmowing business and employing their peers for pennies on the dollar. 8 bucks is in the range of minimum wage. Charge 15 bucks an hour for your service and you've just become the recipient of 7 ""free"" dollars an hour for somebody else's labor. Congrats, you've got the first taste of capitalism.  * Buy a motorcycle. Fun. Cheap. Sexy. Fun. Economical. Fun. Pushes all the right buttons for those in our position: you get economical transportation, it's fun as hell, and bitches love it. Wear leathers.  I think I'd choose the motorcycle. Youth is fleeting, money is infinite. Don't be the average first-time Harley purchaser: 50 years old and way too old to enjoy it."


"You know what helped me? Asking this question:   ""What happens if this fails utterly and miserably?""  When you really assess that question,and answer it honestly and rationally, you will probably find that you stand to lose very little in the grand scheme. Some cash. Some time. But there will be more of both. And if you've got the cajones to pursue your own business now, you'll have still have them if your first attempt goes bottom-up.  The best thing about this exercise is that it forces you to realize that you aren't ever going to be homeless, barring some mental breakdown and/or crippling addiction."


Not that I disagree with your points, but what would you suggest?  Can enough of us voluntarily drop out of the system to crash it?  What does someone do if they realize they chose a bad major and can't afford to go back to school?    How would you instruct someone to take control of their life, that has next to no money, or is in debt, or needs a rat race job to survive another day?  What are some viable alternatives to being held hostage by the system?


It's a trade off either way - spread our stuff around and more people see precisely what we're doing. China was going to invest in developing this anyhow.   Not clear at all to me which is better or worse for our security - though this outcome probably pisses off our defense contractors.


A few more possible headlines:  * Good prospects for prefab home manufacturers, as costs for in-place construction rise * Small construction outfits squeezed as large firms bring high-dollar technology to bear * Inside the sudden fad of [extruded-concrete construction](https://www.engadget.com/2017/03/07/apis-cor-3d-printed-house/) * Makers of Roomba reportedly designing an off-sidewalk robotic porter; prototypes seen carrying materials at construction sites


"Frequently selling and buying properties is generally not advisable in Germany due to the high cost for property purchase tax (""Grunderwerbssteuer"") and land registration fees (""Grundbucheintrag""). You can generally assume that ever time you trade homes, you pay about 10% extra. So it is likely a good idea to keep your property and rent it out while you don't need it so you can use the rent to pay for your new room. That's especially true if you expect the property to increase in value. Also, due to the low interest rate right now, real estate is practically the only good capital investment. A 85k asset which makes you 4.8k each year is a return of investment of 5.6%*. Any financial asset promising you that kind of dividend at the moment is likely equivalent to gambling. * yes, I ignored maintenance costs, but it's still a really good deal. If you want to rent out your flat as stress-free as possible, give it to a property management company (""Hausverwalter""). In exchange for a percentage of the monthly rent they will take care of all the small stuff (like hiring handymen to fix broken toilets). You might still have to pay for really expensive investments, though (like replacing a leaking roof). But when something like that happens, you should have no issue to finance it with a loan because you have a real estate as a security.  However, keep in mind that the German tenancy law might make it difficult (but not impossible) to get rid of the tenant in case you want to move back into the apartment. Google ""Mietrecht Eigenbedarf"" for more details. Should you decide after your study that you don't want to move back, you can always sell the flat with the tenant. But rented properties usually get far lower prices on the real estate market than empty ones. Regarding covering your cost of living besides rent during your studies: If you are eligible for BAföG (state-sponsored student loan), you should take it, because it's an offer simply too good to refuse. It's literally free money. But unfortunately you are not, because you own too much real estate wealth you are not living in. But you should ask your bank for a loan backed by said property. That way you will likely pay far less interest than with a regular private student loan which isn't backed by anything except the hope for a relevant degree."


I find indexing minimum wage to inflation helps put upward pressure on non minimum wages due to behavior of humans. If a person working at say $30/hr sees someone working at minimum wage getting a pay raise, the person at $30/hr is going to feel like they are falling behind and more likely to ask for a raise.   I do not shop at Wal-Mart due to how they treat their employees.


"If you forgot to put the name on the ""pay to the order of"" line then anybody who gets their hands on the check can add their name to the check and deposit it at their bank into their account. If it goes to the correct person they will have an easy time making sure that the check is made out correctly. They don't have to worry about that picky teller who doesn't know what to do with a check made out to Billy Smith and a drivers license for Xavier William Smith. On the other hand... a criminal will also be able to make sure it is processed exactly the way they want it. If I made it out to a small business or a person I would let them know. You might not have a choice but to wait and see what happens if it was sent to a large business, the payment processing center could be a long way from where you will be calling."


whenever these securities are bought by the govt, they are retired.  Treasury sells bonds to the private sector market, if the central bank buys them back from the private sector market, then they are retired.  Treasury no longer are beholden to them.    When central bank buys toxic mortgages bonds, they bought only  enough to ensure stability and trust again in the banking system.     The homeowners mortgages should be forgiven since the US govt bought them, but, since we don't know who owns what due to mixing of the MBS and grading them triple A etc.., and the MERS program is such a mess, then it's up to the individual homeowners to fight in the courts that they should be absolved of the mortgage.  For the homeowners that don't have money to pay lawyers, then they gets foreclosed upon.


It depends completely on the nature of the takeover. When a business is bought, the new owner takes on the obligations of the prior owner, the debts don't just go away. When a business files for bankruptcy, its debts may get discharged, and gift card holders can easily be the first ones to get nothing back. A case in point was Sharper Image who stopped honoring gift cards even while the doors were open as they filed for bankruptcy.


"Here's my attempt at ""Options for Kids"" ""Hey kid... So you have this video game that you paid $50 for that you want to sell two months from now"" ""Yes, Mr. Video Game Broker, but I want to lock in a price so I know how much to save for a new Tickle Me Elmo for my baby sister."" ""Ok, for $3, I'll sell you a 'Put' option so you can sell the game for $40 in two months."" .... One month later .... ""Hey, Mr. Video Game Broker, I can't wait to get this new Tickle Me Elmo for my little sister for Christmas, but its hard to get and I'm afraid prices will go up. I can only spend $100!"" ""Ok kid, for $4 I'll sell you a 'Call' option to buy a Tickle me Elmo on December 21st for $95. If you can find it cheaper, the option can expire, otherwise $95 is the most you will pay!"""


The thing people don't get is that it's not only the poor who are in danger anymore, but former middle class as well, who has shrunk into poverty. The health of society is measured by the size and prosperity of the middle class, and whether it moves up or down.  In this case, I fear them leading the social unrest.


ATR really looks at the volatility within the day -- So you would be able to see if the stock is becoming more or less volatile in daily trading.  This is often useful for charting and finding entry and exit locations.   Traditional historic volatility (as you cited) will give you a look at the long term volatility of the security.  The example of this is that there could be trends up or down but the same daily volatility (same ATR) There are methods that try to incorporate both intraday information along with historic volatility.  As for which is a better measure of volatility-- it depends on what you are using the measure for.


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Talk to the property manager and explain your situation. They may be more willing to work with you than you think. At the very least they will tell you if you should even bother filling out the application. In most cases they are obligated to do a background and credit check so you will have to provide them with the required information one way or another. What they are really looking for is your ability to pay the rent. Property managers take a lot more things into consideration than a mortgage company would for a loan. If you have a history of paying on time in the past (a reference from a previous landlord perhaps) and if you show proof of the ability to pay now and in the future they will usually take that into consideration regardless of what the credit check says. It all depends on how motivated they are to fill the rental and how willing they are to take on a potential risk. Keep in mind property managers don't make money on empty rentals.


Can you get a bank account in the US?  Yes. Can you get a bank account with a specific bank in the US?  That depends on the bank. There's more paperwork involved, and not all banks offer the service.  I would guess that the big retail banks (US Bank, Bank of America, JP Morgan / Chase, et al) are most likely to, but they are also the ones with the worst reputations for customer service.


"With any institution or organization, you're always going to have top, middle, and bottom performers. I don't think we should select prospective employees based on schools or brands, but the world is a vast place and having those things like brands as markers or indicators serves as a practical heuristic for recruiters. However, Many of my past colleagues from non ""top brand"" institutions are just as smart and capable. The idea is that the more selective the educational institution, the more likely it is to filter for top candidates who can then be fed into companies down the road. But the reality is that the filter is very narrow due to class size and school size so a lot of equally qualified candidates also get filtered out of the school because of marginal differences or sometimes just random luck. Therefore these incredible students end up attending their next top choice. That's the reason we shouldn't only hire from top schools. More talented people overflow to other schools.   As a side note, Malcolm Gladwell is like the Myth Busters tv show, but for books. Entertaining, but ultimately flawed in several ways that he analyzes statistics and interprets data.   Source: HBS MBA class of 2015. Currently interning at Amazon for summer. Will provide proof if required."


This is the problem the Republican party has backed themselves into. The idea that, somehow, compensation is *ever* correlated to job creation. Because it isn't. It never has been, especially in CEO pay. Chief executives mostly get payed based on performance, return on investment, increases in shareholder value, etc. This is, in fact, how it works in most front-office jobs on wall street, whether you're an analyst (very low) or a managing director (higher up). As an example, note that both B of A and Goldman's CEOs got their pay cut by a third. They also get these huge increases because all of their wages are public, so people are well aware that there are *very* good counteroffers from other employers.


Putting money into your Amazon gift card balance is also a very convenient option, but I like these recurring Red Cross and Wikipedia ideas also.


I want to transfer about 60 Lakhs INR from my NRO account in India to my US bank account  Yes you can. However there is some paperwork you need to follow. As per FEMA [Foreign Exchange Management Act], any transfer by individuals outside of India need the 15CA & 15CB form. The 15CB is from a CA to state that taxes have been paid on the funds being transferred. The limit is 1 million USD per year. Read more at Liberalized Remittance Scheme and here. What is the best way to transfer it with minimum fees/taxes Assuming you were already declaring the funds held in Banks outside of US in your regular IRS filings, there is no other formality. Question on Minimum fees service recommendation is out of scope on this site. Outward remittance can only be done by Bank Transfer.


">  Israeli control of America's economy, the Fed the Treasury  Sure! You make me, a Jew and Israeli, so elated that somehow Jews and Israel, less than 2% of USA population, 0.01% of world population control the USA, the Media and the Banks. What else do we control?  > The Palestinians, can't even get water and medical supplies  Go ahead and show me one article or picture of ""Palestinians"" dying of thirst or untreated diseases.  In the real world, obesity among the Arabs in Gaza and WB is far worst than in Israel. Want to read about it?  > As America's economy fails and Military power wanes  What an American patriot you are.  You know so much! So I am sure you can refute what I previously wrote to you:  >>Back to ""Palestine"", a short real true and verifiable historical summary: There was never ever a country or nation of ""Palestine"". The only reason we hear about ""Palestine"" and ""Palestinians"" today is because in 1967 Israel liberated the local Arabs from a 1948 occupation(!!!!!) by Egypt and Jordan of land given to them by the UN, for which Israel agreed to. If the 1967 events never happened, you would not hear today about ""Palestine"" and ""Palestinians"". True or false?  >>So, Israel never wanted to be a ""Greater Israel"" to rule over millions of additional Arabs as part of its democracy or ""occupation"" - more Arabs than Jews!!!! Israel is not that dumb. True or false?  >> The blockade is actually by Egypt and Israel. Check the map! Egypt has a lllllooooonnngggg border with Gaza. True or false?  >> The local Arabs can have a ""Palestine"" for themselves already in 1948 (if they agreed to the UN partition plan) or 1967 after they were liberated by Israel. Israel has only one condition, in 1948 and in 1967, for a ""Palestine"": that ""Palestine"" needs to be a nice neighbor to Israel. They don't want to be nice, so no ""Palestine"" until they grow up. True or false?"


By the time you've earned the income, it is basically too late to decide who it belongs to[*].  If the assets belong to one person, income from those assets must be declared by that person.  If you earn interest on a shared account, you must declare 50% of it each.  And so on.  (If you're tempted to fudge it bear in mind that banks report to the ATO about interest paid and account ownership.) I don't think Family Tax Benefits are taxable income, but I don't get them myself so I don't know. What you can do is think about how you want things arranged going forward.  That means making a prediction about who will have the higher income; it sounds like that's going to be you, and she will be working at most part time. Therefore she should hold anything that generates taxable income (bank accounts etc) and you should hold anything that generates losses (negatively-geared investments, charitable deductions, etc).  You could look into making a voluntary super contribution into her account which (imbw) will be deductible for you and get it into a lower-tax area. If you're earning on the order of $30k per annum in interest you're looking at paying $11500 tax on it if it's in your name vs $5k if it's in hers, so it's not a moot point. $420k in cash is arguably quite a lot, and perhaps you want to look at putting some of it into a low-cost balanced managed fund, such as those from Vanguard.  That will be somewhat more tax effective, though less stable.  If you're looking to buy a new house within a few years perhaps cash is the best place for it. [*] One kind-of exception is that if you have a family trust, the trust can decide at the end of the year to whom it will distribute its income.  However, you still have to decide to establish a trust in advance.


Alright bud- I took the day off today so I'll play along. I'm going to focus my answers to be US-centric because this is the realm in which I have experience; if you're from elsewhere then accept my apology in advance.  > So you're saying a company has no responsibility whatsoever to ensure its employees make fair wages?   No, I'm not saying that- a company has a legal responsibility to ensure employees make wages considered fair under the FLSA, for one, including any municipal or state laws surrounding employee pay. As far as I know, litigation surrounding Uber's FLSA issues is still pending and as I'm not a federal judge I can't weigh in on the legality of their various pending lawsuits.  > That the market will determine a person's salary based on their valuability?  I'm also not saying that- it's weird of you to keep putting words in my mouth. I don't disagree with that sentiment but I definitely didn't argue it as a point in my earlier comment.  > What if market forces align to reduce wages in order to increase profitability?  Market forces do this on a regular basis at the corporate level- this is called a negative profit margin and it's literally happening right now (or probably in about 10 minutes when the NYSE opens) with a company who's product you're using to write this comment. It'll also probably trend back upward in the time it takes me to finish this comment. Unfortunately salaries and compensation packages for employees of most types are flat and focused on averages based on something called math. The concept is more technically referred to as profit equals revenue minus cost, with cost being a floating variable dependent on (you guessed it) market forces. This gets a lot more complicated as you delve into specifics and as you seem to have a fairly untenable grasp on business operations as it is I'm worried it's futile to get too much more specific.  > That's exactly what's happened in the last 30 years and people like you protecting corporate greed is the reason why living wages has stagnated barely matching inflation while executive salaries have skyrocteted.   I'm not certain what I did to 'protect corporate greed' in my comment besides buy a product I want at a cost I deemed fair, but ignoring that- the CEO pay vs employee pay argument has been debunked about a thousand times over by anyone who, again, understands math- it's division this time so be careful not to sprain something. A quick google search shows a figure reflecting Wal-Mart's CEO's total compensation at ~$22mm including stock options, salary, and bonuses. Another google search shows a total 2.1mm employees of the company. Quick division reflects that each employee could pocket about $10.5 a year if the firm outright did not pay their CEO by which that means they don't have a CEO, and thus do not have a functioning company. Congratulations, your logic just made 2 million people unemployed.  > You're either ignorant of the big picture, or a shill for a system that exploits the masses.  Sorry- I'm new to this subreddit so I don't know if this is what passes for intelligent discussion around here; but that's a very narrow way of looking at the world. I could also say '[you're] either ignorant of business operations, or a shill for non-functioning economies'; but I'd like to believe an individual with the ability to use a computer is not that illiterate.  I'm confused about your argument as a whole- are you saying I shouldn't shop at Wal-Mart or take an Uber because these companies don't pay their employees salaries you've deemed 'fair'? Can I get a list of places I'm allowed to buy things from, then?


How can you not know? Brand new technology. Infection would be less likely if it seemed that the people doing this cared about the well being of the research subject. They don't have to take them out, but my point was that if they don't then they still have them. [Copying NFC chips is already being done](https://play.google.com/store/apps/details?id=com.skjolberg.nfc.clone2&hl=en). Stalking is simply a matter of doing the same thing that the company is in tracking the subject.  My motivation: when I was 10, I read a book that you might have heard of : 1984. Scared me to death. Still haunts me.


"I like this idea. Maybe we could even get dedicated lanes for this on highways. Or they could even have their own roads! Then they could pull more trailers. And to increase efficiency, we could replace the road surface and wheels with something with less drag...like maybe steel on steel? Heck, we could even have just a couple of power units for hundreds of tons of cargo.   I got it, we can call them ""trains""."


I don't know Australian law, but I will give my US perspective here.  The custom in the US is for officers and directors to be indemnified by the corporation, and that LLCs have an even broader power to indemnify (even to remove the duty of loyalty!).  Moreover, directors will typically be able to purchase D&O insurance to protect them from loss in the event of liability. For US corporations (not LLCs), the duty of care (prudence) requires that directors behave responsibly in weighing major decisions, and consult experts and specialists before coming to rash decisions.  It usually becomes a court case in the context of a large public company in the midst of an acquisition event.  The only people with standing (in the US) are shareholders.  If all the other shareholders are directors, then it may be hard for them to blame you. Additionally, if you are concerned about the propriety of your actions, there may be sources to rely on.  First, discussion with your fellow directors can be a helpful guide (though will not usually immunize you from any accusation of wrongdoing), and disclosure tends to cure almost any accusation of breaching the duty of loyalty.  Second, boards often secure the advice of legal counsel, and sometimes bring on lawyers as members or will outright hire counsel for the board.  Third, there may be services that will provide you with generic advice (e.g. UK Companies House and US-based IOD), which might set you at ease a little bit. I don't know the details of Australian law, as I say.  But my sense of common law countries is that, like the US, they are primarily concerned about negligence (incompetently or imprudently neglecting to understand the business and make informed decisions), disloyalty (fraudulently engaging in self-interested transactions that either hurt the company or should have been offered to the company), and recklessness (not bothering to seek out information).  As long as you are active, informed, engaged, and not engaging in secret deals outside the company (especially deals where either side is competing with the company), then that would be more than sufficient under the US standard. If you are concerned about liability, then inquire into indemnifications by the company (in the US, the company can usually pay all legal costs of directors), insurance, and legal counsel.  I imagine your business partners are no more savvy than you are.  My impression is you are overreacting to relatively rare and exotic expression of corporate law (at least in the US). But I'll close by repeating that I don't know Australian corporate law.


120 markets in under 6 months is slow?  The network is improving dramatically. I've had only one speed problem in the last 4 years and that was last July. Everything has been quite excellent since.  Once they inject that 800 mhz spectrum, everyone will see quite an improvement.


> Average walmart pay is less than $10/hour.   My friend worked at Amazon in Schertz, Texas. Single mother. Made $9/hr. She had to quit her job because between daycare and driving to work, gas cost too much. Amazon is hoping to replace all warehouse operations with robots by 2019.


I can't address Indian law but US law has no problems with you having savings accounts in India.  Furthermore, there are no tax consequences from paying off the student loan. However there is big problem here--while the US has no rules against foreign bank accounts it has reporting rules that you certainly have violated (if you hadn't violated them you wouldn't be asking the question.) 1)  Those foreign bank accounts must be listed on your tax return. 2)  Those foreign bank accounts must be listed on a PDF that's filed with the (Financial Crimes Enforcement Network.  (Yes, it's very stupid they need identical information sent to two different departments.) 2)  The interest you earned on that bank account is income that should have been reported on your return. As for what to do about it--this is the realm where you get professional help.  As for the outcome--since you didn't set out to cheat they have a much less harsh system set up.  Expect to amend your 2012 and 2013 returns (and 2014 if you've already filed it), pay interest and late-payment penalties on the additional tax caused by the interest and pay a penalty of 5% of the highest total value of the accounts. Since the discovery of large amounts of money being hidden from the taxman in Swiss bank accounts Congress has gone 1000# gorilla about it and been pressuring foreign banks to cough up the details on any US-citizen or US-resident depositors.


Makes sense. Why should a company support a group giving it negative press?  Devout followers of the free market, how do you solve this problem? People don't want to pay for news when it only talks about problems they can not fix and only indirectly affects them. That leaves companies free to keep their consumers misinformed.


I got notice from Charles Schwab that the forms weren't being mailed out until the middle of February because, for some reason, the forms were likely to change and rather than mail them out twice, they mailed them out once. Perhaps some state tax laws took effect (such as two Oregon bills regarding tax rates for higher incomes) and they waited on that. While I haven't gotten my forms mailed to me yet, I did go online and get the electronic copies that allowed me to finish my taxes already.


I am not sure if these are available today in your country:  but supposedly, back when Catholic countries similarly forbade usury, sinecures were invented to circumvent religious restrictions on finance. Meaning literally 'without care', sinecures were formally prestigious salary-paying jobs with few responsibilities. They were bought by the wealthy from the Church or State. The salaries for sinecures, accumulated over time, exceeded the initial purchase price. As such, some moderns consider sinecures usury in all but name.


My equities portfolio breaks down like this: (I'm 26 years old, so it is quite aggressive) Additionally, I have a portfolio of direct real estate investments I have made over the past 4 years.  I invested very aggressively into real estate due to the financial crisis. As a result of my aggressive investing & strong growth in real estate, my overall asset breakdown is quite out of balance. (~80% Real Estate, ~20% Equities) I will be bringing this into a more sensible balance over the next few years as I unwind some of my real estate investments & reinvest the proceeds into other asset classes. As for the alternative asset groups you mentioned, I looked quite seriously at Peer to Peer lending a few years back. (Lending Club) However, interest rates were quite low & I felt that Real Estate was a better asset class to be in at the time.   Furthermore, I was borrowing heavily to fund real estate purchases at the time, and I felt it didn't make much sense to be lending cash & borrowing at the same time.  I needed every dime I could get a hold of.  :)  I will give it another look once rates come back up. I've shied away from investing in things like actively managed mutual funds, hedge funds, etc ... not because I don't think good managers can get superior returns ... rather, in my humble opinion, if they DO get above average returns then they simply charge higher management fees to reflect their good performance. Hope this helps!


"Actuaries make serious bank. If you're good at math and statistics then that is the path my young padawan. I feel you, got my BS in Econ before getting MBA and CFA because the degree is ""worthless"" from a job perspective. Invaluable from a life perspective though. Still my favorite subject, I miss econ but no way I wanted to get the PhD necessary to do anything with it.   Sorry for the digression. CFA L3 (even L2) ≥ MFin and a lot cheaper/faster if you are smart and can handle studying on your own.  edit: I have friends in corp finance, they are miserable. If you feel under appreciated now then you probably will in that field as well. Lots of long hours of modelling and template whoring. Upside is that it is better security than most financial positions."


Whole Foods' quality standards are not as strict as you think. Their products tend not to contain certain ingredients, but I think you should read the ingredient labels further the next time you take a visit. As someone who is incredibly specific with my food preferences and admittedly snobbish about ingredients, WF has a lot of crap honestly.   And FWIW, Costco and the like sell many of the same brands that WF does, but at cheaper per unit prices.


Starting with the Dummy Forex account is a wise move for every new forex trader. Do forex trading with a dummy account at least for a year. Startling directly with real money is a terribly costly move. Therefore, it is wise to have a solid trading strategy to execute. Make sure that your strategy is realistic and practical. Most importantly, using your dummy forex account, it is must for you to make at least one or two profits in a year. At last, be sure to invest money that you can recover without any tension.


At TAPE-RITE we are “The Specialists in Specialty Tapes”SM . We stock a wide range of tapes including: double-coated, electrical, Teflon (PTFE), Kapton (Polyimide), fiberglass, foam, aluminum, cloth, military & aerospace spec, high temperature and many. for details call us at: 516-406-8294 / 800-532-2309 Fax at: 516.328.0344 E-mail at: sales@taperite.com visit us: http://taperite.com/


"Because Google recently decided that they will not provide Maps for free to partners who use the data, and Apple was the largest Maps user.   Cutting the Apple created Maps app that used Google data and forcing Google to release their own app basically means Google goes from cashing checks from Apple to having to create and support an app all on their own dime.  Also, do you want to guess why Apple Maps w/ Google data didn't have features like Turn by Turn Navigation? If you guessed ""Google didn't allow Apple to have it"", you guess right.   Apple had to do it not only to try and reach feature parity, but to prevent themselves from having to pay their biggest competitor to use Maps data."


Having recently been given basically the same question it hinges on a few major factors. What does your apartment provide (e.g. heating, internet/etc)? My (personal) example. With my numbers (which includes taxes, insurance estimates, minor repairs to home as needed), also ignoring all costs that are shared (e.g. food, internet, car insurance, etc), I am only making a difference around $450 per month. In 5 years I would save ($450 * 12 * 5) $27,000. However I also have to pay costs for buying the house (transfer deed, laywer fees, home inspections, etc) which in my case cost around $3000. Not to mention selling a home has some costs (I think around $1500+ in my area) as well as the realitor taking a cut (which I also think is around 2.5% = $7,225. So we can probably estimate you would lose around $15000 at most, buying and selling the home when all final costs come in. Which means in my case I would at most be saving around $12,000... probably less (assuming I did not miss anything). So basically 12,000/(12*5) = $200 per month saved. TLDR: I don't think its worthwhile, because there is a lot of risks involved, and houses tend to require a lot of extra work/money. With apartments you have little/no risk, and can freely leave at the end.


Talk to your parents, and find out if you are reducing the debt or not.  Find buyers, sell the place now and get out the deal.  Of course you will have to wait to get a good price on it.  Short term you haven't lost that much, but long term you will. Take your 25%, and use it as a down payment on a regular bank mortgage.  Lesson learned move on.


After looking at your profile, I see your age...28.  Still a baby.  At your age, and given your profession, there really is no need to build investment income.  You are still working and should be working for many years.  If I was you, I'd be looking to do a few different things: Eliminating debt reduces risk, and also reduces the need for future income.   Saving for, and purchasing a home essentially freezes rent increases.  If home prices double in your area, in theory, so should rent prices.  If you own a home you might see some increases in taxes and insurance rates, but they are minor in comparison.  This also reduces the need for future income. Owning real estate is a great way to build residual income, however, there is a lot of risk and even if you employ a management company there is a lot more hands on work and risk. Easier then that you can build an after tax investment portfolio.  You can start off with mutual funds for diversification purposes and only after you have built a sizable portfolio should (if ever) make the transition to individual stocks. Some people might suggest DRIPs, but given the rate at which you are investing I would suggest the pain of such accounts is more hassle then it is worth.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-09-08/irma-s-wreckage-to-depress-u-s-economy-further-following-harvey) reduced by 80%. (I'm a bot) ***** > Hurricane Irma&#039;s expected collision with Florida will probably deepen and prolong the slowdown in a U.S. economy already digesting the impact of another storm that smashed ashore in Texas two weeks ago.  > The September timing of Irma threatens economic damage that will spill over into the final three months of the year, extending the volatility the U.S. was set to experience in the third quarter from Hurricane Harvey.  > Irma will &quot;Create further weakness in indicators that are already softening as the result of the hurricane,&quot; said Michelle Meyer, head of U.S. economics at Bank of America Corp. in New York, who trimmed the tracking estimate for this quarter by 0.4 percentage point to 2.5 percent.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ywf1w/irmas_wreckage_to_depress_us_economy_further/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~206607 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Irma**^#1 **inflation**^#2 **U.S.**^#3 **quarter**^#4 **time**^#5"


I see a lot of people making the mistake or being given bad advise in structuring a new business. If you have more than one shareholder, then by all means an S Corporation is a better structure for lower taxes; avoid double taxation. If, however, this is a one shareholder S Corp, then you had better 1099 yourself as a consultant or look into sole proprietorship. The tax benefits are much better either way. Dr. Suraiya Shaik Ali


long deep ITM calls is equivalent to owning the equity.  You're going to pay alot and hence will start off in a hole already, and you aren't getting too much leverage there at all depending how deep ITM you go.  Covariance scales, but assuming B-S in order to get nice scaling and ignoring the risks you are actually taking with options (unlimited down-size ie you can lose your entire investment in the option, people forget this) will screw you unless you really know what you are dong.  Leverage means increasing your risk.  long dep ITM is not obtaining much leverage and therefore not risking too much.  but you aren't going ot get 3-4x leverage this way.  you get leverage by saying: oh, i have 100, i could invest in 1 share of stock OR I could buy 100 worth of some option.  If I pick a deep ITM (think strike = 0) it's identical to owing the stock.  If i pick ATM, i have a ~50/50 chance of wining, so i should be able to double my upside.  If I go OTM, i can increase my exposure to the upside while increasing hte chance that my options expire worthless.  So really, i have no idea why deep ITM do what you are trying to do.  and If you don't either, you probably shouldn't do it.


Wall Street is livid because WF is their competitor. WF is mostly an investment bank - they make the majority of their money from equities, bonds, currency trading, corporate services, etc. Small time auto loans aren't a huge portion of what they do. Why would something that's 1% of their business cause a 15% drop?


The broker would give you a margin call and get you to deposit more funds into your account. They wouldn't wait for the stock price to reach $30, but would take this action much earlier. More over it is very unrealistic for any stock to go up 275% over a few hours, and if the stock was this volatile the broker would be asking for a higher margin to start with. What I am really worried about is that if there were any situation like this you are not considering what you would do as part of your risk management strategy. Before writing the option you should already have an exit point at which you would buy back the option to limit your losses.


Most of the people like to buy wardrobes which would occupy less space but before you purchase them you need to consider a lot of things. You can't buy any wardrobe that in a way as there are lot of things to be checked such as quality wood, color, space and other important things.


"This is the best tl;dr I could make, [original](http://www.marketwatch.com/story/paris-agreement-or-not-solar-employment-looking-brighter-than-coal-2017-06-02) reduced by 89%. (I'm a bot) ***** > Cohn told CNBC, &quot;At some point in the cycle, coal will be competitive again. We want to keep coal available, we want to be in the coal business.""  > The Labor Department reported Friday that 51,000 people were employed in coal mining in May. But BLS doesn&#039;t break out employment in other forms of energy production in any way for comparison.  > In January, the outgoing Obama administration Energy Department released a report on energy and employment that showed that over 370,000 people were employed in the solar industry, compared to 86,000 in the coal industry.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ey52u/paris_agreement_or_not_solar_employment_looking/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~135260 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **energy**^#1 **coal**^#2 **industry**^#3 **job**^#4 **economy**^#5"


"It should be pretty obvious that without knowing what sort of assets the company owns, and what sort of net earnings are being generated it's impossible to say what a $20k equity investment should get you in terms of ownership percentage.   With that said, you want to look at a few to several years of books, look for trends.  Some things to understand that might be subtle red flags: It's extremely common for early stage investors to essentially make loans rather than strictly buying shares.  In the worst case scenario creditors get to participate in liquidation proceedings before shareholders do.  You may be better off investing in this business via a loan that's convertible to equity at your discretion.   Single owner service companies are difficult because all of the net earnings go to the proprietor and that person maintains all of the relationships.  So taking something like 5 years of net earnings as the value of the company doesn't make much sense because you (or someone else) couldn't just step in and replace the owner.  Granted, you aren't contemplating taking over the business, but it negates using an X years of net earnings valuation method.  When you read about valuation there is a sort of overriding assumption that no single person could topple the operation which couldn't be farther from the truth in single employee service companies.  Additionally, understand that your investment in a single owner company hinges completely on one person's ability and willingness to work. It's really vital to understand the purpose of the funds.  Someone will be hired?  $20,000 couldn't be even six months of wages... Put things in to perspective with a pad, pen and calculator.  Don't invest in the pipe dream of a friend of yours, and DEFINITELY don't hand this person the downpayment for their new house.  The first rule of investing is ""don't lose money,"" this isn't emotional, this is a dollars and cents pragmatic process. Why does the business need this money?  How will you be paid back?   Personally, I think it would be more gratifying to put $20k in a blender and watch it blend, this is probably a horrible investment.  The risk should just be left to credit card companies."


Healthcare systems are complex and imperfect, there's no single metric. However, there's the [Bloomberg Healthcare Efficiency Index](https://www.bloomberg.com/news/articles/2016-09-29/u-s-health-care-system-ranks-as-one-of-the-least-efficient) published annually since 2012 which provides a consistent method over several years.  The most recent one shows the US being #50 out of 55 countries.  Their methodology and data sources are described at the bottom of the[ linked table](https://assets.bwbx.io/images/users/iqjWHBFdfxIU/iNK1THx4aD20/v3/-1x-1.png).


Really  . .slave of the S&P . . .  Seems to me its more like the shemeckles have a great thing going, 12 banks, one for each of the one tribes of Israel  And only a shemeckle can be the head of the Fed . .so it seems to me its more like America is slave to the Fed


"> Just because at some random point in time, the European economy was doing OK, doesn't mean that it will definitely be ok  I'm not claiming it will be ""definitely be ok"".    definitely ok != utterly doomed.  > What happens when the Greeks default?  If they were paying in drachma, they wouldn't default.  They'd print more drachma and inflation would occur.   That's how currency imbalances adjust.  Germany wants it both ways.  They want a stable Europe-wide currency but they don't want a Europe-wide economy, they want their economy isolated from the problems in the rest of Europe.  Germany should leave the Euro."


Source


"Right, but if you lived in the area, you have already made the decision that they are your ""go-to"" retailer or not.  The majority of people in their competitive market have decided Market Basket is not their preferred choice, but will this story make them reconsider?"


I'm not being clear enough. I'll try a different tack.  What sits *behind* the concept of corporate personhood that gives it such flexibility to pick and choose what parts of natural personhood they want? Bar them from financial involvement in politics? Oh no, that would violate their First Amendment rights, *just like a natural person being muzzled*, can't have that!  Write off expenses before paying tax on remaining income? Oh yes, we definitely must keep that, nevermind that a natural person isn't treated like that.  Okay, so there is a huge difference between corporate and natural personhood. Even with a [history of corporate personhood](http://www.npr.org/2014/07/28/335288388/when-did-companies-become-people-excavating-the-legal-evolution), what I'm missing is a walk through of the arguments that established the collective rights of an assemblage of natural persons rises to the level where those rights must be secured the same as a natural person. In layman terms, what steps were used to reach that conclusion? Without going to law school and then slogging through the actual historical decisions?