"> I guess all those other experts in the ad industry and tech don't have any idea what they're talking about  Dude, that's a really safe bet. Do you even remember the housing bubble? The dot com bubble? Those people were the ones inspiring confidence both times.  You know what they were doing in the 1990s when the internet was being delivered to consumers? They were getting high and chasing girls. They were hanging out in the hallways at school, talking about cars or their abusive fathers or their college plans to become MBAs etc. None of them owned 486s, or used dial-up modems before AOL and Hollywood introduced them to ""You've got Mail"".  Meanwhile I was ditching school to learn about how the internet worked. Computers have been a part of my daily life for more years than many of those ""experts"" have been alive.  They masquerade as experts on the subject now because the internet is what's on everyone's minds these days, and talking about it is what those folks have to do to get a paycheck, but that doesn't mean they have any idea what they're talking about.  You buy their bullshit because they're on TV and I'm just some guy on the internet, which is what I've been for the past 3 decades, on the internet."


"*The early history of paper money did not evolve the way I described in the earlier posts (although it could have, and would have got to the same place). Instead, the early history of paper money was certificates issued by storage-vaults of precious metals (i.e., early ""banks"").*  Do read David Graeber's ""Debt, the First 5000 Years"". The first credit money almost certainly originated with the books held by the temples in the middle east thousands of years ago. The history of our current monetary system can trace it's origins to the medieval gold smiths, but ours is not the first credit money system by a long stretch."


"There are two reasons leases are generally a worse deal than buying. First, inherent in the lease is the concept of trading in the car at the end of the lease term. As we all know, cars depreciate the most in the first year or two. By repeatedly leasing cars on short time frames, you own the vehicles during those most expensive years. Of course there's nothing stopping you from doing the same thing when buying (be it via cash or loan), but leasing builds in a schedule and encourages you to stick to it. Second, it is easier for the dealer salesperson to hide things from the consumer in a lease contract. Most salespeople will try to get a car purchaser to focus on the monthly payment, or they'll four-box the purchaser, but even then there's only 4 numbers, and most consumers have a rough idea what they are and what they mean. But in a lease the numbers in question are renamed and obscured. ""Price"" becomes ""capitalized cost"". ""Interest rate"" becomes ""money factor"" and is divided by 2400, making it look really small and not easily translatable without a calculator or pencil and paper. ""Down payment"" becomes a capitalized cost reduction. There's a new concept ""residual value."" Neither of those reasons change when interest rate is lower."


So true.  Socialism is evil, except for roads, schools, libraries, public transportation, water and sewer, and police and military services.  Then socialism is just fine.  Government rules and regulations are bad, except when they enforce Christian fundamentalist doctrine and propaganda, and then it is absolutely fine.


Where can publicly traded profits go but to shareholders via dividends? They can be retained by the company.


While it is certainly easy to manage single fund, I am not sure it's the right strategy. It's been proven again and again that portfolio diversification is key to long term gains in wealth. I think your best option is to invest in low cost index funds and ETFs. While rebalancing your portfolio is hard, it is vastly simpler if your portfolio only has ETFs.


Your comparing apples to oranges. Your trying to equate killing your FOOD to killing a random animal crossing your path. The point is killing the turkey nicely or very violently doesn't really matter. It is your FOOD. Killing a random mouse on the golf course isn't even remotely the same. Try again.


I was a bit taken back by your response until I read your other posts.  The same thing you did to me is the same thing you do in a large majority of your posts, you are a troll.  No if ands are buts about it. So continue trolling and have a great day. With the name like Brad Wesley I should have expected something like this, next time I will watch the right boot....


I don't understand what your contention with Katsuyama is exactly. Are you saying that Lewis' Flash Boys was a work of fiction?  Electronic trading is more efficient, cheaper, democratic, etc than paper orders, for sure. But many HFT firms have built billion dollar enterprises by scalping ordinary investors, fractions of pennies at a time, without adding anything of value. The former truth does not invalidate the latter one.


Yea, bay area. If you want oil, you move to houston. If you want tech money, you move to the bay area. You can stay here for a year or two to lock down that you command a bay area salary and then do like I did and fuck off to SE asia and work remote.


You are 100% correct! This is because Unions are corrupt and even many Union members (no choice) hate them.  But if the Government and the written law specifically protect workers rights, then it's the law.  For example, the law says you can't employ children, you must pay minimum wage, can't discriminate, must pay social security, pay for injuries, etc, than this is the law and this is what happens. No less, no more.


"Keep in mind that the only advantage that using a tax favored account gives you is tax-free growth of the cash value of the policy. This ""Infinite Banking"" spin isn't some sort of new revolution in money management, its just a repackaging of techniques that people have been using for years to manage tax liability with some breathless marketing spiel. Before you jump in, compute the following: Now comes the hard part: Life insurance is sold, never bought. The guy pushing this does seminars at hotels sponsored by life insurance agents. The purpose of the program is to generate sales of insurance. Be wary. If you actually have the significant amounts of money required to capitalize this, there are much better ways to get an income stream from that money -- you need a good financial advisor. And if you have a huge tax liability and a scheme like this somehow makes sense, find someone who does it for a living in your state who isn't a crook."


Sounds like you're a man, so you're in luck. Our formalwear all looks similar enough that you can get by on a very short rotation. You can buy 1 pair of decent slacks in a versatile color like navy or grey with a pair of brown shoes with matching belt then have as little as 2 button down shirts (white and light blue). You can help keep the button downs clean by wearing an undershirt. This outfit can even overlap your interview outfit if you want to save more (especially if you want a good jacket/sport coat). The real key is to just not pick anything flashy and nobody will ever notice. You'll be running to the dry cleaners every single weekend, but you won't have much in terms of up-front costs. For women though I have no clue how they manage this stuff.


"My basic rule I tell everyone who will listen is to always live like you're a college student - if you could make it on $20k a year, when you get your first ""real"" job at $40k (eg), put all the rest into savings to start (401(k), IRA, etc). Gradually increase your lifestyle expenses after you hit major savings goals (3+ month emergency fund, house down payment, etc). Any time you get a raise, start by socking it all into your employer's 401(k) or similar. And repeat the above advice."


They are structured which gives me confidence choosing them over other podcasts. Many podcasts have a couple golden nuggets but are mostly personal filler and promotional material. The podcasts mentioned above follow a structure where I know what to expect but still at times they surprise me.


I don't know about this. Craftsman started selling lots of Chinese made garbage a couple of decades ago if I remember the time frame correctly. Somewhere in that same time frame I recall that their lifetime warranty was only being applied to US made tools and those were getting scarce.  I stopped buying Craftsman, so I could be in error here. But I stopped thinking of Craftsman as a top tier non-pro tool maker years ago. Hell, lots of that Mexican Stanley stuff seems better made these days than Craftsman.  If Craftsman went out of business and I didn't read it on reddit, I might never know.


Yeah, with the exception of current-season shows from HBO and Showtime, pretty much everything is on iTunes and Amazon and you can pay by the episode, so you don't have to commit to a whole season or large package that you may end up not wanting.  Your honesty is appreciated.  You get what you pay for, right?  Netflix has a lot of great library content, but not the latest and greatest.  Price: $8/month.


Yes, there are some real dangers in having your money locked into an investment. Those dangers are well worth thinking about and planning for. Where you are going off the rails is acting like those are the only dangers to your money, and perhaps having an exaggerated idea of the size of the dangers. It is an excellent idea to keep an emergency fund with a few months living expenses in a readily accessible savings or checking account. However, a standard retail savings account is always going to pay less in interest then you are loosing through inflation. We're living in a low-inflation period, but it's still continuously eating away at the value of your savings. It makes sense to accept the danger of inflation for your emergency fund, but probably not for your retirement savings. To reduce the hazards of inflation, you need to find an investment that has some chance of paying more than the inflation rate. This is inevitably going to mean locking up your money for some period of time or accepting some other type of risk. There is no guaranteed safe path in the world. You can only do your best to understand the risks you are running. As an example, you could put your savings in a CD rather than a vanilla savings account. A CD these days won't pay much in interest, but it will be more than a savings account. However, you have to commit to a term for the CD. If you take your money out early you will have to pay a penalty. How much of a penalty? In the worse case it could be in the neighborhood of 4% of the amount you withdraw. So, yeah if you deposit $10,000 in a 5-year CD and end up needing it all back the very next day, you could end up paying the bank $400.  If you withdraw money from a 401k before you are 59 1/2, you will pay a 10% penalty, and you will have to have income tax withheld on the amount you withdraw. On the other hand, if your employer matches 100% of your 401k contributions, you could be throwing away 50% of your possible retirement savings because of your fear of the possibility of a 10% loss! In addition 401k plans do have some exceptions to the early withdrawal penalty. There are provisions for medical emergencies and home purchases for example. However, the qualifications are not entirely straight-forward, and you should read up on them before enrolling. The real answer to your fears is planning. Figure out your living expenses. Figure out how much you want in an emergency fund. Figure out when you will be wanting to buy a house, have a child, or go back to school. Set aside the savings you'll need for all those, and then for the remainder of your money you can consider long term investments with some confidence that you probably won't need to face the early withdrawal penalties.


Are you in an occupation that regularly collects change or is this change left in your pocket at the end of the day? Here in the US it is typically worth it to invest in some automatic coin counters if you are in an occupation that regularly collects coins.  In your case you can collect the little baggies from the bank, use your coin counters and then make a deposit.  Here is an example of US coin counters. If it is just pocket change then in the morning, make it a habit of taking some with you.  This way you are less likely to break larger bills.  Also if you are making a deposit at the bank, add some change to the deposit without making it to annoying.


IESC has a one-time, non-repeatable event in its operating income stream.  It magnifies operating income by about a factor of five.  It impacts both the numerator and the denominator.  Without knowing exactly how the adjustments are made it would take too much work for me to calculate it exactly, but I did get close to their number using a relatively crude adjustment rule. Basically, Yahoo is excluding one-time events from its definitions since, although they are classified as operating events, they distort the financial record.  I teach securities analysis and have done it as a profession.  If I had to choose between Yahoo and Marketwatch, at least for this security, I would clearly choose Yahoo.


"Whats your point? Nothing you posted in that essay refutes what I said. Do you even know what TARP is? It's the Troubled Asset Relief Fund put into action to address the lack of liquidity on banks balance sheets, and it was paid back early after Goldman leaked it to the press and was paid at 6.2% interest taking place during the GFC moron. This is about your title in which you said that ""...financial firms that feed at the taxpayer trough."" You really have no idea what you're talking about, please don't vote."


Inflation can go up for a number of reasons. Boom times can cause inflation, as everyone is making and spending a lot of money, so prices and inflation goes up. In times like these central banks usually increase interest rates to curb spending and thus bring down inflation. By raising interest rates the central bank is increasing the cost of borrowing money. So with high prices and a higher cost to borrowing money, most people start reducing their spending. When this happens businesses sell less stock and have increased costs (due to higher interest rates) so have to lay off staff or reduce their hours at work, so people will have even less money to spend. This causes prices to fall and reduces inflation and can result in a recession. At this point in time central banks start reducing interest rates to make the cost of borrowing money cheaper and stimulate people to start spending again. And so the cycle continues. The result in this case is that inflation itself didn't kerb demand, but was helped along by the central bank rising interest rates. Another reason causing inflation can be a restriction on the supply of certain goods or services. An example we went through about 2 years ago was when floods caused banana crops up in Northern Australia to be devastated. This caused a lack of supply in bananas for almost a year across Australia. The normal price for bananas here is between $1 to $3 per kg. During this period banana prices skyrocketed up to $14 per kg. The result: very few were buying bananas. So the increase in price here caused a reduction in demand directly.


And that is why we are here, to tell the American population  That this little Jew, who took 2 servers and a web page, perhaps 2 TB of storage and sold it to the ignorant fucking Goyim for  billions of dollars, is a fucking fake, and the only reason these Jews are talking about Facebook as a means to win elections, is so they can sell it to you ignorant fucking white folk who don't know the meaning of an email server and run with the money, before you realize, its only a fucking web page, meant for desperate teens who don't have real friends.  It wasn't the Russians sweet hearts, its time to understand you are on food stamps and loans you cannot afford, dressing like women isn't going to help.  Update your status . .oh . .I took a shit and it smelled like shit  The world is so interested


Siem Reap is the official name of a Cambodian province. It is to the north-west part of Cambodia. And it is 314 km away from Phnom Penh. Siem Reap is a place rich of the old Hindu and Buddhist monuments mainly from 9th to 15th century AD. For instant a well-known Angkor Wat for Hindu lord Visnu, and another well-known Angkor Thom for Buddhism. http://www.siemreapattractions.com/  Angkor Wat Tours has all most a million people today. Their lives are based on tourism industry. And it has more than 500 temples. In its town body has hundreds of hotels with different classes or rates and there many Siem Reap Attractions place to see. http://www.holidayinsiemreap.com/


I disagree, the United States is one of the largest corporations in the world. The legislative and judiciary serve as the board, and the president; by virtue of his function, is the chairman.     Office of the President of the United States  The Executive Branch  Officer ... Executive  Commander in Chief  This isn't semantics; his role is to be CEO.


Without the contract it's hard to say for sure, but Consumer Reports indicates that it's pretty easy to lose these deposits; they're not as well protected as other deposits or purchases (depending on your state and other details).  You should make an effort to comply with all of the requests from the financing arm promptly, and in particular you should probably highlight that you could afford to pay for the car in cash (and be prepared to show bank/money market/investment statements to back that up).  Credit is mostly a numbers game, but there is a human on the other side making the decision (assuming you're remotely close) and that makes a big difference.   I would be prepared to walk away from your deposit if they come back and offer you a 5% APR or similar (and you're uncomfortable with the loan at that rate) - over 5 years, a $20k loan at 5% APR will cost you several thousand dollars; it might be worth it even if they don't give you your deposit back.  And if you're clearly ready to walk away from the deposit, that might cause them to negotiate in better faith. Some tips, both from that article and my general experience:


If you look at the value as a composite, as Graham seems to, then look at its constituent parts (which you can get off any financials sheet they file with the SEC): For example, if you have a fictitious company with: Compared to the US GDP (~$15T) you have approximately: Now, scale those numbers to a region with a GDP of, say, $500B (like Belgium), the resultant numbers would be:


Gartner heeft haar voorspellingen voor de komende jaren gepubliceerd, een tiental op het gebied van IT. Business managers gaan meer controle hebben over budgetten die voorheen beheerd werden door IT, zij zal een coördinerende rol krijgen om de verschuiving in controle te kunnen compenseren. Daarnaast is er een groeiende hoeveelheid aan data en de uitdaging is om hier mee om te gaan. Deze ineffectiviteit verhinderd organisaties om belangrijke kansen te identificeren, binnen de ‘window of opportunity’.


"I don't know how much finance you know, but a fundamental idea is that something's value is the present value of all its future cash flows. Basically what those cash flows are worth today. So if we can predict the cash flows the equity holders will get in the future (not easy), and determine at what rate to discount the cash flows (not easy), we can value the equity.   So a company will have cash flows coming in. But not all go to the equity holders. Some will go to debt holders, if any (interest payments). Some will go to preferred equity holders (dividends), if any. What's left over is what the equity holders will get. If there's no debt, preferred equity or other things like that, then the equity holders get all the cash flows.  This doesn't mean the equity holders literally receive the cash - they'll get whatever is given out via dividends. But, they ""own"" the cash and it may be reinvested in the business to generate more cash in the future."


"Frankly, I was just listing off reasons that I and others might be pissed off at our landlords.  Yeah, I've lived in student-focused housing too, and student rentals suck balls.  Hell, that's the reason I wound up in the ""upscale"" city of Cambridge instead of living in the ""cheaper"" young-people areas of Allston or Brighton: because those places have had their rents pushed up by students *way* beyond what it's worth paying for a tiny, near-windowless, roach-infested hole built in the 1940s with rats running free in the streets.  And yeah, I understand that those places suck so bad because many students are shitty tenants.  But my real point was: my landlord doesn't provide me a place to live, he charges me ever-increasing rent for a place to live that he didn't build, maintains to the minimum required by the lease, and doesn't ever upgrade."


"> Hopefully it helps the many dissatisfied Trump voters.  No such thing! No ""dissatisfied Trump voters"".  So these good news have nothing to do with Trump?  Ok, so far, I and the stock market are showing great confidence in the future under Trump.  Let's wait for future news... good news?  **Are you claiming that under Trump, the economy will suffer?**  If so, why? How?"


Because it's possible that you would have gotten a different judge or IRS regulator and the outcome of your 80 hour weeks could have been different? Or maybe you were randomly selected to be audited and maybe you could have just as easily never met the guy that sued you.   Maybe the other guy that happened to not have to deal with these things had more time to work on his business and became more successful?


"Revisiting the topic one month later....  If we look at [Table A-8](http://www.bls.gov/news.release/empsit.t08.htm) again, ""Part time for noneconomic reasons"" declined by 218K, going from 19,880K to 19,662K.    ""Part time for economic reasons"" has a slight decline of 33K, going from 7,544K to 7,511K.  So that's a drop of 251K in part-time employment for July.  Probably just noise."


First, accept the fact that you are not going to be able to predict the ups and downs of the market well enough for that to be a viable strategy. In the long run these schemes tend to be losers because it forces you to guess correctly twice (When to get out, when to get back in) and missing either date can cost you. A better strategy to benefit from market volatility:


Đó là ấn tượng tốt đẹp của sơn sơn đẹp nhất của ngôi nhà. Bất cứ khi nào bạn cần sửa chữa nhà với đội ngũ chuyên gia sau đó bạn đã đạt đến đúng nơi có kinh nghiệm tốt hơn. Mục tiêu của chúng tôi là để đáp ứng các khách hàng với hồ sơ cao của sơn nhà. Chúng tôi có kinh nghiệm tốt về thạch cao và trần nhà, trần nhà vàch ngan thạch cao theo phong cách mới nhất là ấn tượng rất tốt. Đó là cái nhìn đẹp của mái nhà trong phòng.  Chúng tôi rất tự tin để cải thiện điều kiện nhà hoặc văn phòng với đội ngũ chuyên nghiệp cao.


Wells Fargo WFC +2.14% & Co. has fired four foreign-exchange bankers amid an investigation into that business by both the bank and regulators, according to people familiar with the matter and the bank.  The firings and investigation are the latest problem to hit Wells Fargo, which has been grappling for the past year with the fallout from its sales-practices scandal. This summer, the bank disclosed that a review of its businesses in the wake of that scandal had also revealed problems related to improperly charging customers for certain auto insurance and mortgage products.  The bank’s issues, though, had mostly been confined to the retail-banking business. The foreign-exchange investigation now shows there is also trouble in Wells Fargo’s investment-banking arm. The issues have emerged separate from a review of business practices in the wake of the sales-practices scandal, according to a person familiar with the matter.  A Wells Fargo spokeswoman confirmed the firings after inquiries from The Wall Street Journal.  Separately, the Office of the Comptroller of the Currency earlier this week sent a confidential report to Wells Fargo about the auto-insurance product issues. That said the bank may need to refund to customers more than the $80 million the bank had previously cited, according to a person familiar with that matter.  The foreign-exchange firings come just weeks after Wells Fargo chief Timothy Sloan was castigated during a Senate Banking committee hearing for the bank’s conduct and culture, such as how problems happened for many years and why more wasn’t done to stop them. Sen. Elizabeth Warren (D., Mass.) said more had to be done at the bank in light of recent problems that have emerged and she called for Mr. Sloan’s firing.  Mr. Sloan defended the bank and its handling of problems, pointing to a number of changes he has made over the past year in the operations of the retail-banking business.  It isn’t yet clear what issues drove the firings in Wells Fargo’s foreign-exchange business. But the bankers involved were fired for cause, according to a person familiar with the matter.  The terminations occurred as the bank is conducting an internal investigation and as federal regulators have been examining practices in the business, according to a person familiar with the matter.  Those fired, the people said, were Simon Fowles, recently head of foreign exchange trading; Bob Gotelli, recently head of foreign exchange sales; Jed Guenther, recently a regional head of foreign exchange; and Michael Schaufler, chief spot dealer.  The bankers didn’t immediately respond to requests for comment or declined to comment.  The prior head of the foreign exchange group, Sara Wardell-Smith, was moved to a different role at the bank, the people said. Ms. Wardell-Smith’s LinkedIn profile refers to a role beginning in October leading part of Wells Fargo’s financial institutions group. She had held several roles in the bank’s foreign-exchange group after joining Wells Fargo in 1995 and led the group for the past decade.  Ms. Wardell-Smith didn’t respond to requests for comment.  The bank spokeswoman said Ms. Wardell-Smith accepted a new position as Americas regional leader in Wells Fargo’s financial institutions group. She added that the bank’s foreign-exchange business “will continue to serve our clients under the leadership of Ben Bonner.”  Wells Fargo’s investment-banking, securities and markets division, known as Wells Fargo Securities, is a fraction of the size of its U.S. big-bank peers. Its U.S. investment-banking market share is just about 4% as of September, according to research firm Dealogic.  And Wells Fargo’s foreign-exchange desk doesn’t do as much business as other banks, industry participants have said. Wells Fargo doesn’t break out financial results or metrics for that group.  Unlike many other big banks, Wells Fargo’s foreign-exchange operations weren’t caught up in investigations into collusion between market participants to move foreign-currency rates for their own financial benefit. Those investigations led to more than $5 billion in combined penalties at U.S. and European banks and a guilty plea to criminal charges.   In regard to the retail-bank problems, the report sent to the bank by the OCC this week said Wells Fargo was too slow to identify and correct problems related to auto-insurance products known as collateral protection insurance, a person familiar with the matter said. The OCC report was first reported by the New York Times .  The OCC did acknowledge that the bank has ended the auto-insurance practices, changed management and restructured the group responsible for the sales.  An OCC spokesman declined to comment on ongoing supervisory matters.  Another Wells Fargo spokeswoman reiterated that the bank discontinued the product at issue.  “We will continue to work with regulators on the remediation and will make improvements to our auto lending business,” the spokeswoman said.


Son dönemlerde kendi işini kurmak isteyenlerin sayısı bir hayli arttı. Birikimini değerlendirmek, kâr getiren bir iş haline dönüştürmek isteyen yatırımcılar, çeşitli iş fırsatlarını araştırıyor. Girişimciler için farklı seçenekler sunan birçok alan da yatırımcısını bekliyor.  Her iki alanda doğru bilgi paylaşımı, doğru yatırım için çok önemli. Bir yatırıma girişmeden önce farklı alanlardaki seçenekleri mutlaka gözden geçirmelisiniz. Buradan hareketle kurmuş olduğumuz bu site, birikimini yatırıma dönüştürmeyi amaçlayan kişileri hedefliyor. Sitemizde yeni iş fikirleri ile karşılaşacaksınız. Her biri Türkiye’de iş potansiyeline sahip bu alanlardan birine yatırım yapabilirsiniz. Bir şirketin satış ofisini açabilir veya yurtdışından bir markayı ilk getiren siz olabilirsiniz. İlerleyen günlerde, birçok iş seçenekleriyle karşınızda olmaya devam edeceğiz. Sermayeniz ne kadar olursa olsun, her büyüklükte yatırım için uygun fırsatları bulabileceğiniz sitemizde, sadece bilgi birikiminizi değerlendirebileceğiniz iş kolları da bulunacaktır. Özellikle bilişim alanında bilgi birikimine sahip olanlara yönelik hazırlayacağımız yazıların büyük ilgi çekeceğini tahmin ediyoruz.


As per Indian tax laws; income, expense, gain and loss constitute the basic pillars of every individual’s economic life. There are very few cases under which this new 'income' is non taxable. Based on the circumstances, you might have to pay capital gains tax.


I think these systems of wealth re-allocation is where the heart of the debate about the American economy is or should be. Should we have our government intervene and re-allocate wealth in some way? It already does to some degree, although arguably in a bad way. It's much easier to avoid taxes when you can pay for the sort of expert good at avoiding that sort of thing. Middle/Poor class individuals end up paying more taxes relative to their income further exacerbating wealth inequality. I think it was Bill Gates and probably many others that have mentioned that one of the best ways to get money to underutilized market participants is by investing in businesses who then employ people.  I think the concern with the American economy and everything else dependent to it is that the mechanisms/pipelines for enabling the poorly utilized are outgunned by the mechanisms/pipelines for taking the money from the poor/middle class and putting it in the hands of the rich. Loan-based financial products are the biggest offenders I think. If only hypothetically I would like to see what an economy would look like if loans were simply not an option, or if the idea of merit qualifying a person for a loan/financing were significantly more accurate.


Houses burn down a lot more frequently than banks fail. Also, I'll bet the odds that FDIC will insure the loss of money in a bank is much higher than the odds of a homeowner's policy believing a huge pile of cash burned up in your house AND even then your policy probably wouldn't have coverage limits high enough to reimburse you for substantial cash losses. Oh yeah, then there is theft, floods,etc. The biggest danger is that routine inflation will eat up that money faster than the rats in the basement. Now, having some cash for a small emergency on hand isn't a terrible idea, but using your closet as a personal bank doesn't seem very smart.


The foods not great.  That said if it was, I'm definitely far more likely to visit a fast casual restaurant.  I don't need a waiter to wait on me for simple stuff like getting drinks.    I'd say bring up the food quality, switch to fast casual (less employee overhead then as well), and have takeout.  I constantly order from a local restaurant nearby, since they have takeout I can order using a mobile app and have solid wings.  We dine in occasionally, but it's only if the kids are having a good day.


"The reason is that GM consistently payed out for many many years. Their grandfathers and fathers worked at GM and got their pension, and they were told it would be the same for them. Very similar to the housing market in fact. When you have been told from birth that something ""just is"" and you see the results for yourself, it is easy to just accept that it will be that way forever.  Obviously that is not the case, but I don't put all the blame on those people. I worked in michigan for a bit, and this idea, especially with the auto industry was basically part of the culture."


No. Amazon puts tons of money into expansion. They don't care what shareholders think about it, because it pays off later in incredible fashion.   Every few quarters they decide to throw a ton back into infrastructure and investment.     The stock barely dropped.


Yes. Here's the answer to this question from oregon.gov: 3. I am moving into Oregon. What income will be taxed by Oregon? As an Oregon resident, you are taxed on ALL income regardless of the   source of the income. This includes, but is not limited to: You may need to pay estimated taxes if you don't have Oregon   withholding on your income.


The writing might be on the wall for Steve B, but Microsoft really own the corporate market.  I think IaaS and SaaS will start to erode that, but many app huggers will help keep MS strong for a long while.  If the next CEO is Steve B II, then I might be worried for MS.


Find the most reliable used car dealer in your city. Masai Auto City is a world's largest car dealer Johor. With a range of used vehicles, these days, there is no higher value than purchasing a used car. Especially, if you have no concept about what you should do to get the best bargain without being cheated by the greedy people who are prepared to deceive you. Here, you can buy car Jb that’s certified car by our expert team, we have a good experienced team that always uses the powerful tools to recognize the most issues in a car, then we give to their clients.


No one wants to shop at Walmart, they just do. I don’t think the brand image is there for Walmart unless people are convinced they will save a lot of money. As silly as it might sound, brand is king


No, I think DrJ has the truth of it: the moderators are slacking off. But can you blame them?  Reddit has become so huge and so amorphous that trying to moderate even a small forum must be a challenge, let alone something like /r/business or /r/science.


"> and their male broadcasters are all pigs.  Their actual journalists like Chris Wallace or Shep Smith aren't that bad (they're also the ones criticizing Trump again and again). It's the ""personalities"" and ""commentators"" like Hannity, O'Reilly and the Fox and Friends people who make up the problem and stereotypes of Fox.  I'm not excusing Fox for presenting these problematic people as reputable and giving them a platform or saying that these people aren't the majority of the Fox brand or timeshare, just saying that there is a gradient there with some people whose sins aren't any worse than a typical news person and some people who demonstrate integrity and respect."


This is one of the issues. Traditionally, people would list their house while they looked for a new one. This has become less common. Now people more often find their dream home and then list their homes.  This creates more buyers for fewer properties at any given time.


Some requirements needed for availing loans are FICA documents, a certain percentage of equity of the purchase price and A signed Offer to Purchase/Deed of Sale etc. A single loan can be availed that will include both the purchase and construction components of the investor’s project.


"So really ""it depends"". Are you going to live alone, or have a roommate? What will you do for transportation? One thing you can do it look at university web sites in the area and look at their estimates for monthly living expenses in the area. Not that you will be enrolling in a university, just that those web sites can give you a good idea of living expenses in that part of California. An example site for Glendale (near Burbank) with additional links for more information can be found here: https://www.glendale.edu/apply/international-students/off-campus-housing-homestays As you can see, costs vary depending on your needs."


As a general premise: In most of the online transactions in case of dispute the benefit of doubt is given to the customer. IE if the customer refuses to pay and claims that its not his transaction, the card company reverses the charges and does not pay the merchant (or recovers if its already paid).   There are many types of online vendors who use a variety of methods to ensure that they are not at loss. Some of these are:


I'm not one of the ones down voting.... nor am I interesting in getting into a debate about the specifics of Title VII (that is what the courts are ultimately for). Where I take issue is with a company that sells lights and your notion that a non christian couldn't possibly be suited to work there. Being 'born again' and a frequent church goer is hardly a prerequisite for an operations manager role.   I have no issue with a company asking a potential employer if they are comfortable with the religiosity of the company but the line of questioning was totally inappropriate for the job.  In any case it will be interesting to see where this case goes.. if anywhere.


Hey guys, I graduated in economics and I want to apply to different positions and jobs. Especially financial controlling is a field I'm really interested in. If some of you work in this branche, could you tell me what are the things you like/dislike the most in your jobs?


Exactly. Regardless of just the volatility, to weight an asset or two with a majority of your portfolio is poor investment strategy. Ron is a smart guy and obviously understands the benefits of diversification. As others have suggested, I think he is doing it more to make a statement.  When he retires, I hope it doesn't come back to bite him.


I don't have a direct short position. It is a structured product linked to the performance of Tesla. I basically get a fixed coupon payment every quater and as long as Tesla doesn't move up more than 50% in the next half year I get my initial investment back plus the coupons. If it should move up more than 50% I lose that percentage of my initial investment


I am by no means an expert in this, but I did a little research and came across this page on the SSA site -- Can You Be Entitled To Benefits Retroactively?   You may be entitled to monthly benefits retroactively for months before the month you filed an application for benefits. For example, full retirement age claims and survivor claims may be paid for up to six months retroactively. In certain cases, benefits involving disability up to 12 months may be paid retroactively. (This is not true of the special age 72 payments (see §§346-348), black lung benefits (see Chapter 22), medical insurance (see Chapter 24), or SSI (see Chapter 21).) SSA Handbook (emphasis mine) Based on this, it sounds like he may be mistaken. I recommend speaking to a SSA rep to get a solid answer on this though. Not everything on the internet is true.


There are really three routes in academic finance.   1) Corporate finance - you probably have enough math for this  2) Market forecasting and modeling - this relies more heavily on econometrics, or more basic math  3) Quantitative valuations - most of the work here is in exotic asymmetric derivatives, which is almost entirely differential equations.


Also, for the longest time it was only storable on local memory which could have been lost, stolen, or destroyed.  Or they could have died or lost the password.  I still don't like how easily it is/was to lose entire swaths of the blockchain


The CFA program is extremely demanding but a very good way to get into the industry if you can complete it.  Be prepared to study for more than 300 hours at each level... if you can't give it that don't waste your time.  Source: i just wrote Level 3 three days ago


You're right, but it can be broken down enough to where its more easily absorbable- at least that's the premise. Is definitely a concern we've had and I guess we'll see what's possible through some more user feedback and iteration.


Ah I didn't say I don't use it - I do - but fuck me its irritating. Use something like Facebook Messenger bots to get a 99% open rate Vs 20% open rate (if you're doing well!) or look at using BombBomb as an email system for making dough from. You in marketing and sales too, bruv?


> But sure, if you want companies to stay in the US and customers to pay higher prices to compensate for those higher taxes...  But they don't. Across the board; prices in the US are much lower than they are in every other developed country. Partly because of economies of scale, partly because the posted tax rate != the effective tax rate.


This sounds like a wonderful concept going up (a lower level employee contacting, say, a VP), but it works terribly in reverse. If you were a lower-level worker, do you want to field questions from random managers, directors, VPs and the CEO on something? I worked at a company like that, and it was horrible. It made you stop everything you were doing to answer nonsense questions because the person was too lazy to find something out on their own or through their own normal channels. It intimidates lower-level employees and makes them feel like they have 100 bosses. But then again, Musk's companies are said to have very high-stress, cutthroat cultures, so this would make sense.


The Homebuyers Tax Credit was unrelated to whether or not a mortgage was part of the purchase. You will have no issue with this credit if you refinance.


"Rating agencies are pretty garbage, the market is always a few steps ahead of them.  However, India is rated lower as it has not been an economic ""power"" for a long time ans is still developing. However the market rates on bonds tell a different story, and that is that India is safer than Spain to lend to.  It is also easier to go after assets in Spain a Eurozone country than India, however Indian debt in Rupees should be safer than Spanish debt in Euros as India can fire up the printer if necessary.  Indian yield on the 10 year is ~ 8.5% inflation is 7.5% giving a real yield of 1% Spanish 10 year is 6.87% and Eurozone inflation is 2.4% giving a real yield of 4.47%.  The market doesn't agree with S&P."


"There are indications that ABC News settled on somewhat favorable terms. As of Wednesday, ABC News did not issue any retraction, correction, or apology, or remove its 2012 broadcast, “Pink Slime and You,” from the ABC News website, which libel plaintiffs typically demand as part of a settlement.  Most civil cases are settled. It is cheaper for both parties. ABC news appeared to have ""won"" in this case. How is that a ""red flag""?"


I am considering making my investment history publicly available online What is the benefit you are looking for by doing this? Just to establish that you are a successful investor, so in long run can predict things ... have tons of followers? If so yes. Go ahead. Updates to the portfolio would have to be near real-time than post facto else no one will believe you and it would be useless. are there any reasons (legal, personal, etc.) not to publicize my personal investment history legal, depends on country; I can't think any [check the agreement with your broker / depository] on how much can be displayed. i.e. they may forbid from revealing contract ref / or some other details. On Personal front, it depends who takes a liking to your stuff.  Relatives: They know you are making huge profits and may want to borrow stuff ... or queue up to you requesting to make similar huge profits for them; only to realize when there is loss they blame you ... this can strain relationships. Friends: Although close friends may have a general idea, if you are too successful and it shows; it can have its own set of issues to deal with. Colleagues / Manager: If you are too successful, it may mean you may notionally be earning more than them ... they would start unconsciously monitoring your behaviour ... this guy spends all day in office researching for stocks and doesn't work. That way he knows how to pick good stock ... he is wasting company time. The same happens if you are loosing stock ... a unrelated bad day you are having maybe equated to loss in stocks. Depending on the job / roles, they may move you to different role as the perceived risk of you swindling goes up. Generally important work doesn't get assigned, as it would be assumed that if you are successful in investing, you may quite soon and start full time into it. Identify Theft: As mentioned by keshlam, to much data one can easily risk identity theft. Realize phone banking to get some routine stuff just asks for basic details [that are available on face book] and few recent debits / credits to the account. This will be easy see the trades you have done. None of us here are expert identity theifs. But the real one have tons of way t


> Your real problem will be capital to do what the place needs.  This is very likely.  Often effort isn't enough to pull a business out of a nose-dive.  A big part of bowling alley's money often comes from food and beverage sales (often booze), and that generally requires some well-maintained facilities, licenses, inspections, etc.  Of course there are creative ways to get around some of those problems.


"That all sounds very nice, but the whole point of this conversation and this thread was that a person does not choose the circumstances in which they were born.   Biologically yes, you are right. We are a product of the generations that came before us. But does that mean that we can blame a poor child for being born poor? Is it that child's fault that they their families cannot afford good education, or even good food?   Are you actually suggesting that it is acceptable to tell a suffering child, ""Sorry, you should have chosen better parents?""  I really hope that is not what you are implying."


"Of course. The rationale is exactly the same as always: profit is taxed. The fact that you use intermediate barter to make that profit is irrelevant. To clarify, as it seems that you think it makes a difference that no money ""changed hands"". Consider this situation: So far your cost is $10000. How will the tax authority address this? They will look at the fair market value of the barter. You got gold worth of $20000. So from their perspective, you got $20000, and immediately exchanged it into gold. What does it mean for you? That you're taxed on the $10000 gain you made on your product X (the $20000 worth of barter that you received minus the $10000 worth of work/material/expenses that you spend on producing the merchandise), and that you have $20000 basis in the gold that you now own. If in a year, when you plan to sell the gold, its price drops - you can deduct investment losses. If its price goes up - you'll have investment gain. But for the gain you're making on your product X you will pay taxes now, because that's when you realized it - sold the merchandize and received in return something else of a value."


Mint is only an organizer of information that is actually aggregated by different services. Currently data aggregation for mint is being done by Yodlee and also by Intuit's own aggregation service.


So basically they are the same as most other for profit businesses.  The big difference is they offer global variety and easy checkout. If the malls don't have it, Amazon is the place to look. Or is competition no longer good for business?


(Disclosure - I am a real estate agent, involved with houses to buy/sell, but much activity in rentals) I got a call from a man and his wife looking for an apartment. He introduced itself, described what they were looking for, and then suggested I google his name. He said I'd find that a few weeks back, his house burned to the ground and he had no insurance. He didn't have enough savings to rebuild, and besides needing an apartment, had a building lot to sell.  Insurance against theft may not be at the top of your list. Don't keep any cash, and keep your possessions to a minimum. But a house needs insurance for a bank to give you a mortgage. Once paid off, you have no legal obligation, but are playing a dangerous game. You are right, it's an odds game. If the cost of insurance is .5% the house value and the chance of it burning down is 1 in 300 (I made this up) you are simply betting it won't be yours that burns down.  Given that for most people, a paid off house is their largest asset, more value that all other savings combined, it's a risk most would prefer not to take.  Life insurance is a different matter. A person with no dependents has no need for insurance. For those who are married (or have a loved one), or for parents, insurance is intended to help survivors bridge the gap for that lost income. The 10-20 times income value for insurance is just a recommendation, whose need fades away as one approaches independence. I don't believe in insurance as an investment vehicle, so this answer is talking strictly term.


So what if someone gets approved for a larger credit card balance and gambles it away?   There's nothing tangible left except for maybe some norepinephrine left in your system...     Honestly if the student loan system dried up for anything in like Liberal Arts, universities would scramble to fill positions in their schools and maybe tuitions would come down to an affordable level.    Right now it's a joke.   People are willing to pay for school and living on res when they get qualified for 100k in student loans.  If the student loans weren't there perhaps they'd live with their parents and work to support their education.   Tuitions should fall to affordable levels if that were the case.


I would not do this personally for most house items, since I really view them as consumables. I am using household items until they wear out, not placing my money in an investment that needs to retain or return value.  If you have any investment-like items, or if the value represents a significant (you decide this) portion of your annual income or net worth, then track it with inventory and schedule it on an insurance policy. If your home is destroyed and you have an inaccurate inventory or no   inventory at all, what does insurance provide for replacement of   property?  Maybe more importantly, will insurance even care about your   own personal inventory? (Isn't it easy to scam, through value   inflation?) For insurance, you need to start with the details of your homeowners policy. Often there will be a general blanket amount of what they will reimburse. If you have items over that amount, or need more coverage, you will need to schedule the items up-front with insurance. This way, the value of expensive items are known and agreed on by all parties before an event. It ensures a quick claim resolution, and it is the cleanest and easiest way to deal with the insurance company.  You need to talk to your agent about the unique aspects of your policy. You need to make sure the policy will cover your liabilities.


I dumped every stock I own at market open today. I didn't really lose anything and I'm just going to sit things out for awhile. I'll wait and watch and when I see good opportunities to buy solid companies at below market rates but for the moment I'm sitting out. There is too much shit going on from North Korea to Harvey to who knows what else. I like cash so I took my profits and am holding them in that for the moment.


This is spot on. For years Ireland has been taking flack from all around the world about their 12.5% tax rate but when you take into account all the deductibles and special arrangements other places have they're not too much higher than Ireland. Just Ireland is more transparent, it's the same tax rate for everyone and compliance work such as audit is cheaper.


"This is a comment, not an answer. -- but it needs saying and doesn't fit in the comment boxes. Owning is not always cheaper than renting.  Houses don't always appreciate, and in the early years of a loan you're mostly paying interest. -- so that too is ""lost money "". The time to buy a house is when you are reasonably sure you aren't going to move in the next five years or so, you need something a rental can't give you, you have at least 20% to put down so you avoid the pmi rip-off, you've run a full budget including upkeep and insurance costs and are sure you can carry the house worst-case ... including if you're out of work for an extended time...  (I've seen people lose a job and discover that they can't keep the house,  and can't unload it quickly.  Good route toward bankruptcy. Houses are not a liquid asset, and being ""house-rich, cash-poor"" is potentially dangerous. ) If you really hate apartments,  remember that sometimes you can rent houses too, often at lower cost per square foot. Basically, don't be stampeded into buying. I rented for two decades before I bought. And by/while doing so I was able to put aside enough investments that I could have bought a half-million-dollar house for cash, and was able to change cities several times without the stress of having to sell and re-buy. I missed out on the insane housing bubble,  but I also avoided being hit when that crashed."


It's not that simple.  Where I live, McDonald's charges $6.19 for a Big Mac combo.  The local In-N-Out charges $6.59 for a Double-Double combo.  They're pretty damned close in price and I don't think anyone would price discriminate over 40¢.  The difference between the two is enormous.  In-N-Out makes a great product, the burger and fries are delicious and fresh.  Further, In-N-Out is known for treating - and paying - their employees well.  They promote from within and becoming a manager is a good job.  Thanks to the decent pay, In-N-Out employees tend to be very good and care about the customers.  McDonald's is very different.  The food is terrible.  Flavorless and bland and *very* expensive for what you get.  In-N-Out aside, I can go to a local mom'n'pop and get a good meal for under $6.  There is no reason for me to go to McDonald's, none.  McDonald's isn't such a great employer, either.  The employees don't care.  I've never been treated badly, but there's no enthusiasm.  They are there for the paycheck only.  I blame accountants and the business structure.  For the record, I am an accountant, so I know what they're up to.  McDonald's is a large, public company bent on returning maximum profits to shareholders.  So they bring in the cost accountants who are very good at shaving costs down to the absolute minimum.  The Big Mac has suffered death by a thousand cuts.  No one cut makes it a lousy product, but give the cost accountants enough time and they will make anything mediocre to bad in lots of different ways.  In-N-Out is a privately held company.  Obviously, they are more interested in making money through selling a quality product and expanding sales.  They don't have to worry about shareholders who don't give a fuck and just want short-term profits.  They could make more money by turning the cost accountants loose, but they also know that would hurt their business.  The difference shows.  McDonald's is rarely busy here.  At In-N-Out, lines are usually out the door and you can't find an open table.  I only go there late at night on weekdays, since that's the only time it isn't slammed.  So you have two companies selling a similar product at almost the same price.  One is wildly successful and slowly expanding.  The other sells a shitty product and thinks that marketing is the problem.


Sure, you'd make an $8.33 during that first month with little extra risk. Sounds like free money, right? (Assuming no hidden fees in the fine print.) I don't know that the extra money is worth the time you will spend monitoring the account, especially after inflation claims its share of your pie.  If you're going to use leverage to invest, you should probably pick an investment that will return at a much higher rate. If you can get an unsecured line of credit at 1%, there aren't a lot of downsides. Hopefully interest rates don't rise high enough to eat your earnings, but if they do, you can always liquidate your investments and pay the remainder of the loan.


Yes, it's possible and even common but it depends on your bank or broker. One of the main differences is that you might assume FX risk if your account is in EUR and you trade stock denominated in USD. You might also encounter lower liquidity or price differences if you don't trade on the primary exchange where stocks are listed, i.e. NYSE, Nasdaq...


Dexmet was part of the Northeast Group Exhibit sponsored by the Connecticut Department of Economic and Community Development (DECD) and the Northeast Electrochemical Energy Storage Cluster (NEESC). For more information email us at: sales@dexmet.com or call us at 800-714-8736/(203) 294-4440 and Fax at (203) 294-7899. Visit our website: www.dexmet.com.


From my reading of the wikipedia page (CRT), this only happens if you deposit or withdraw currency, not checks.  The idea behind this is that checks, ACH, etc. leave paper trails that can be tracked.  Cash doesn't, so it gets this extra level of scrutiny.  If yu get a cashiers check or a money order to pay a bill, I don't think a CRT is created.  If you withdraw $15,000 to buy a car in cash (1 stack of $100 bills), then a CRT would be generated.  It still isn't a problem, as long as you can show a bill of sale showing where the money went (or came from, if you are the seller). The IRS has a FAQ about this.  It says (taken from several spots at that page): Cash is money. It is currency and coins of the United States and any other country.  A cashier’s check, bank draft, traveler’s check, or money order with a face amount of more than $10,000 is not treated as cash and a business does not have to file Form 8300 when it receives them. These items are not defined as cash because, if they were bought with currency, the bank or other financial institution that issued them must file a Currency Transaction Report. The exception to this is if you are buying something with a resale value of more than $10k with a check, money order, etc of less than $10k.


"This is the best tl;dr I could make, [original](https://www.forbes.com/sites/zackfriedman/2017/10/19/cfpb-student-loans-complaints/#7a5b4cfc6444) reduced by 88%. (I'm a bot) ***** > Since 2011, the CFPB has received over 50,700 private and federal student loan complaints and 9,800 debt collection complaints, which have led to actions that have returned more than $750 million to student loan borrowers.  > For federal student loans, 71% of complaints related to dealing with a student loan lender or servicer, while 28% related to student loan repayment and 2% to credit score or credit report.  > Whether it&#039;s Student Loan Refinancing, Federal Student Loan Consolidation, Income-Driven Repayment Plans or Student Loan Forgiveness, you must understand all your student loan options.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/784vwz/cfpb_has_helped_return_750_million_to_student/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~233271 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*: **Loan**^#1 **student**^#2 **service**^#3 **borrower**^#4 **plan**^#5"


> what business could I do in college?  Keep looking -- and look for potential partners among faculty and fellow students. Network like crazy, and collaborate with others to come up with as many new ideas as you can. You'll find opportunities.


"According to the IRS, you must have written confirmation from your broker ""or other agent"" whenever you sell shares using a method other than FIFO: Specific share identification.   If you adequately identify the shares   you sold, you can use the adjusted basis of those particular shares to   figure your gain or loss. You will adequately identify your mutual fund shares, even if you   bought the shares in different lots at various prices and times, if   you: Specify to your broker or other agent the particular shares to be sold or transferred at the time of the sale or transfer, and Receive confirmation in writing from your broker or other agent within a reasonable time of your specification of the particular   shares sold or transferred. If you don't have a stockbroker, I'm not sure how you even got the shares. If you have an actual stock certificate, then you are selling very specific shares and the purchase date corresponds to the purchase date of those shares represented on the certificate."


"What do you mean by ""Canadian income""? Was it income paid to you as wages for the job you did in the US? Or rental/interest income in Canada? If the former - then it doesn't go to NEC, it goes to the main part of the return. If the latter - it doesn't appear on your NR return at all. Yes, it is to validate your residency status. It has no other effect on your taxes."


A great deal of the money was made abroad.  I imagine they paid some tax in those respective countries.  I heard that they and other large Co's were trying to get a deal bring the money home. If they did they would be taxed again.


It is sometimes very difficult to find the tp link login details. You may find them on the product label at the bottom of the router or in the user guide provided with the router. If you are still not able to locate the details, contact us for the help.


"Bad areas are tough to value as a owner-occupied property, because the business model for being a slumlord is to rent apartments in absentia, usually to tenants receiving goverment subsidies such as Section 8 vouchers. The vouchers are based on a prevailing rent, which are often on par with nice suburban apartment complexes due to how that ""prevailing"" rate is calculated. So the value of the house is really an annuity calculation. You figure out the potential rental cash flow and apply whatever your local market premium is. The point is, doing an apples to apples comparison is going to be tough, and justifying the cost of repairs that aren't remediating health and safety issues probably won't be recoverable from a home valuation standpoint. A buyer would probably rip out your central air conditioner and sell it! If I were in your shoes, I'd look at the time horizon that you think you're going to be there and amortize the cost over that period. Assuming your mortgage is small and you're staying for about 5 years, spending $10k costs you about $170 a month. Your reward is a modern A/C and heating system. Compare that cost to the cost of moving and your desires and see if it's worth it to you."


Mint can probably do this. They probably have apps now and their online service has had charts for years.


Is there anyway to store money completely safely? I saw today that Norway has a $1 trillion fund, but that's all in investment. If I was to have, say, $1 million could I somehow store that so there was no way it would lose money  (but I assume not make any either)?


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I am not going to source for you a number I pulled out of my smelly, hairy ass. Not worth the trouble. Also, I am at work.  And I support not being strangled by debt.   Free for the student. Obviously someone pays for it i.e. we all pay for it because we  (or at least I) believe everybody has the right to a decent education. I guess you disagree on that latter poin, which makes you a luddite, if anything.


Usually the most significant risk scenarios here are: Third parties can abuse your routing/account numbers to initiate debits, but this is a type of fraud that is easily traced. It can happen, but it is more likely that it would be a scenario where you were specifically targeted vs. the victim of some random fraud. Defending against someone who is specifically going after you is very difficult, especially if you don't know about it. Your SSN isnt used for the bank transfer, you are providing it so that the entity making the payments can report on payments to you for tax purposes. If you are truly worried about this type of scenario, I suggest setting up a dedicated savings account for the purpose of receiving these payments and then sweeping (either manually or automatically) the funds into another account. Most stock brokers will allow you to automate this, and most banks will let you do this manually.


"Define ""a lot"". As much as you possibly want to charge? That is libertarian horse shit. At some point you have to take a step back and look at reality. If people are dying because you want to be a billionaire instead of a 100 millionaire then tough luck."


>woo hoo massive theft    Ahh I see. Better to worry about how he used the number for total bond market than about the fraud itself because it only millions of dollars. Of course. How could i have been so stupid! You're right, the most important thing to get out of the story is that the total amount of new muni bonds isn't as big a number as he uses for the overall bond market.   Keep up the good fight!


I've been working in the industry for around 8 years now, and the public exchange are rather very open about the rebates (IEX, BATS, ARCA) If your firm does not give you the rebate when adding liquidity, its a poor business decision, but its not illegal, and you should go to a firm that treats you better.


The standard advice is that stocks are all over the place, and bonds are stable. Not necessarily true. Magazines have to write for the lowest common denominator reader, so sometimes the advice given is fortune-cookie like. And like mbhunter pointed out, the advertisers influence the advice. When you read about the wonders of Index funds, and see a full page ad for Vanguard or the Nasdaq SPDR fund, you need to consider the motivation behind the advice. If I were you, I would take advantage of current market conditions and take some profits. Put as much as 20% in cash.  If you're going to buy bonds, look for US Government or Municipal security bond funds for about 10% of your portfolio. You're not at an age where investment income matters, you're just looking for some safety, so look for bond funds or ETFs with low durations. Low duration protects your principal value against rate swings. The Vanguard GNMA fund is a good example. $100k is a great pot of money for building wealth, but it's a job that requires you to be active, informed and engaged. Plan on spending 4-8 hours a week researching your investments and looking for new opportunities. If you can't spend that time, think about getting a professional, fee-based advisor. Always keep cash so that you can take advantage of opportunities without creating a taxable event or make a rash decision to sell something because you're excited about a new opportunity.


"In San Francisco (home of super-expensive real estate and more than a bit of marijuana use) you'll see people asking up front for ""first and last months' rent"" plus a security deposit when you move in somewhere. If someone can't come up with the cash, then it looks like this is the last month... and time to look for a new roommate. of course, it can be difficult to implement this arrangement if you've already moved in with a bunch of people, and if it's not common in an area people may balk at the money required up front, but.... it is a reliable way to deal with people flaking out on the rent money."


If the brokerage account holds US assets, such as the stock of US companies, then it may be taxable under some conditions. The rules are complex and depend on the nationality of the individuals, because the results may be affected by tax treaties between the United States and whatever country the person is from.


Wow I love some of these answers. Remember why you are investing in the first place.  For me I like Dividend stocks and Dividend Capturing. Here is why. With over 3500 dividend stock companies paying out dividends this year, that means I can get a dividend check almost every day. What about if the stock goes down you ask? Well out of these 3500 companies there is a small group of these stocks that have consistently increased their dividend payout to their investors for over 25 years and a smaller group that have been increasing every year their pay outs for over 50 years. Yes Kennedy was in office back then and to this day they consistently pay higher and higher dividend payments to their investors, every year... for 50 years.  As for the Dividend Capturing strategy, that allows me to collect up 10-20 checks per month with that little effort. As for the stock going down... Here is a little tidbit that most buyers overlook. Stock price is more or less the public's perception of the value of a certain company. Earnings, balance sheet, cash flow, market cap and a few other things in the quarterly report will give you a better answer to the value of a company. If stock price goes down while earning and market go keep going up... what does that tell you?


"I highly recommend http://pages.stern.nyu.edu/~adamodar/ Professor Damodaran. He's written some of the best valuation books in existence (my favorite, simply ""Investment Valuation""). On his website you'll find a big pile of spreadsheets, that are models for working the various approaches to valuing a company.  Also, he teaches an MBA-level valuation course at Stern School of Business in NYC. And he videotapes it and you can watch it for free. Very smart, kind, generous man."


Unlike other responses, I am also not good with money.  Actually, I understand personal finance well, but I'm not good at executing my financial life responsibly.  Part is avoiding tough news, part is laziness. There are tools that can help you be better with your money.  In the past, I used YNAB (You Need a Budget).  (I'm not affiliated, and I'm not saying this product is better than others for OP.)  Whether you use their software or not, their strategy works if you stick with it.  Each time you get paid, allocate every dollar to categories where your budget tells you they need to be, prioritizing expenses, then bills, then debt reduction, then wealth building.  As you spend money, mark it against those categories.  Reconcile them as you spend the money.  If you go over in one category (eating out for example), you have to take from another (entertainment).  There's no penalties for going over, but you have to take from another category to cover it.  So the trick to all of it is being honest with yourself, sticking to it, recording all expenditures, and keeping priorities straight.   I used it for three months.  Like many others, I saved enough the first month to pay the cost of the software.  I don't remember why I stopped using it, but I wish I had not.  I will start again soon.


I checked this myself and there is no monetary penalty for late filing. However, since I am late I have to do all publication over again which costs me extra $50.


A good resource for this type of help is the National Foundation for Credit Counseling (NFCC). They provide free and low-cost credit counselors who can... Most importantly, avoid those for-profit debt consolidation companies. They are ripoffs.


gr33nss -   Unfortunately, you are 100% correct. The way most companies avoid having to pay overtime is by putting you on salary. I try to stay focused on promotions and bonuses as a way to justify all the extra work hours above the typical 40-hour work week.   It sounds like you'll have to put some extra hours in but it will reflect positively if you don't rush to get home as soon as your 8 hours/day are up. Just my two cents...


"India's a very interesting case study. They're economy's exploded and grown by leaps and bounds in the last decade. It's a free market but the Reserve Bank of India's get's weird sometimes.   For instance a lot of these crappy and defaulting loans are because the government (Reserve Bank of India) said to fuel growth you have to make sure a certain percentage of your loan book is made out industries we want to develop. So huge loans were made to construction firms, not because they fit the risk profile of the bank or were good investments, but cause the government mandated it. Ton's of horribly run companies got money they shouldn't have.  Also, public banks pay a lot less than their private counterparts, so you don't have the best and brightest handing out these loans.   India's a fucking mess of laws. Like there's no codified way to declare bankruptcy like there is in the West. So if a company goes belly up, they have to go through this maze of different government offices with contradictory rules so creditors (in many cases, the banks that lent them money) can get some of their money back, IMF said it takes 4.5 years on average for a company to go through bankruptcy proceedings. That's insane!  And because it's India, there's a ton of shady shit going on behind the scenes. Up until 2-3 years ago, loans that the banking industry considers non performing (interest payments haven't been made in 90 days) were lumped in another category and hidden in the balance sheet, so the rest of the world looked at this said, ""well, their NPL ratio is only 3-4% which is fine for developing country"" and continued to rate them highly. It wasn't until recently that we figured out the ENTIRE banking sector wasn't reporting their bad loans properly."


Specifically on the subject of maxing out your 401k, there are several downsides: The employer match usually only applies to the first 6%. Some employers offer no match at all. You listed the match as a pro, but I think it should be pointed out that you can usually get this benefit without maxing out your plan. The investment options are limited. Usually there is at least one fund available from all the common investment classes, but these may not be your preferred funds if you were able to choose for yourself. Fees can be very high. If you are working for a small to medium size company, the fees for each fund will often be higher than for the same funds in a plan offered by a large company. Fees are usually related to the dollar amount of assets under management. Each person has a different tax situation, so if you are single and making 6 figures, you might still be in the 25% bracket even after maxing out your 401k, but the same person filing jointly with a spouse that makes less could get down to the 15% bracket with a smaller contribution. I meet my retirement savings goals without maxing out the 401k. As long as the amount is above the employer match amount, my second priority is to funnel as much money as possible in to my IRA (because I get lower fees and better investment options from Vanguard).


One of the challenges is that online shopping is still a relatively small slice of all retail. Yes, it looks great for the growth of firms in that space, but they'd need a few more years of that growth across the industry to make up for it. Similarly, internet advertising is still small compared to TV.


The quotes on JSE are for 100 share lots.  The quotes on NYSE are for single shares.  That still leaves some price difference, but much less than you calculated. (EDIT: Equivalently, the price is quoted in 1/100th of a Rand.  The Reuter's listing makes this explicit since the price is listed as ZAc rather than ZAR.  http://www.reuters.com/finance/stocks/overview?symbol=HARJ.J) As noted in the other answer currently up, NYSE is quoting American Depositary Receipts (ADRs) for this company, which is not directly its stock.  The ADR in this case, if you check the prospectus, is currently 1 share of the ADR = 1 share of the stock on its home market.  A US institution (in this case it looks like BNY Mellon) is holding shares of stock to back each ADR. Arbitrage is possible and does happen.  It's not perfect though, because there are a variety of other cost and risk factors that need to be considered.  There's a good review here: Report by JP Morgan Some summary points:


No, you're not missing anything. RSUs are pretty simple when it comes to taxes. They are taxed as compensation at fair market value when they vest, basically equivalent to the company giving you a cash bonus and then using it to buy company stock. The fair market value at vesting then becomes your cost basis. Assuming the value has increased since vesting, selling the shares that vested at least a year ago (to qualify for lower long-term capital gains tax rates) with the highest cost basis with result in the minimum taxes.


"To take a different tack from qdot - it is advice. Maybe good, maybe bad. In the early 1990s I did exactly what you are intending to do and was stunned at the expenses involved in maintaining the company - primarily the accounting costs. This would have all been different if I'd been making a lot more money out of the situation, but the work was on the side, a few hours a week here and there, and I closed the ""business"" after just one year. Probably broke even on the deal, but certainly did not come out in front. I'd also strongly recommend you take a look at issues like basic book keeping, claiming VAT, setting up corporate bank accounts, and the like. Whether it is ""not a lot of work"" is purely a personal thing - some folks breeze through it all, some hate it. Time Is Money. My 0.02."


"And what about ""peanut butter"" or ""apple butter"" or ""milk of magnesia"" or ""coconut milk""? So what if people have been using those terms for 50 or more years, it cannot stand!   I'll tell you what, get ""peanut butter"" banned and called something like ""masticated peanut spread"" and we can talk about having ""oat milk"" or ""soy milk"" renamed to ""soy beverage"" or whatever. Deal?"


It sounds like you're putting all your extra money into insurances because you feel that one can never have too much insurance. That's a very bad idea, financially. Basically it means you'll end up giving your money away to insurance companies in order to satisfy that feeling. Do realize that the expected value of every instuance is negative: on average, you'll pay more money than you'll receive. Otherwise, insurance companies would go bankrupt, so they are very good at ensuring that they get more in premiums than they pay out. Insurance should only be bought to cover essential risks, things that would ruin you: major health problems, death (to cover dependants), disability, liability. For everything else, you should self-insure by saving up money (up to a few months' wages) and putting it into safe and liquid investment vehicles as an emergency fund. That way, you are much more flexible, don't pay for the insurance company's employees, fancy offices and profits, and may even earn some interest.


I do notice a shit-load of fake reviews for certain items. Especially new products that just launch. They want to jumpstart sales, so they ask family, friends, or hire people to create fake reviews. I can usually spot the fakes because they are very oddly written. The praise of the seller and product are just too overblown. The average person doesn't talk like that, IMHO.


I've done several deals in excess of that amount. However, I am confused what you are looking for exactly. Typically those amounts are syndicated and presented via a pitch deck to investors to secure financing. Is an example pitch deck what you are looking for? If not, are you looking for the actual legal agreement? Or are you looking for the credit memo? Think I can point you in the right direction either way. Best chance to find what you are looking for is to check comparable companies investor relations materials and sec filings.


Do you need the car? It depends on what your goals are. You're going to keep losing money on the car via means of the debt (which I assume you can't pay off without selling the car) and depreciation. If it was me, I would sell the car. But if you like it and you can afford it, then keep it.


"> Lol. Americas are two continents. How many times do I have to educate you?   No, you said America is continents. You are just being weirdly semantic and also failing to distinguish between North and South America. They are not both collectively called America. Nobody groups 2 continents together like that. It's like trying to group Europe and Africa together.  There is nobody who says this. You cannot ""educate"" me on this because literally zero people aside from you think this way.   >Beside that you still have not presented any data. All your points have been invalidated and best you can do is change topics over and over.  What data would you like? America being increasingly protectionist and the stock market being at an all time high?   https://www.cnbc.com/2017/07/26/us-stocks-boeing-earnings-fed.html  I already used your own data against you so in a way that is me using data and you've presented none.  >Still could not address my points about Argentina, Canada, US and etc.  What point? I said Canada was protectionist and Canada is in the top to protectionist countries in the list *you provided.* We have a heavy investment in our own companies, a lot of my tax dollars go to that in fact. Canada is one of the most protectionist countries on the planet. Against my wishes, by the way, but it is the way it is.  >Btw love your fake data and facts. I guess that's how you get cucked so hard to begin with  Cucked? By what? My own facts? What? You sound retarded right now.  >LOL. Chart says tarrif of 10 big countries. Not 10 highest Tarrif. LOLOLOL.  Okay so provide a graph that shows the 10 highest tariffs.  You know what this weird edit of yours tells me?   **YOU DID NOT EVEN LOOK AT YOUR OWN LINK WHEN YOU SENT IT.**   You are just reading it now. So which one is it? Either the graph proves me right or it proves nothing at all. Either way, you fucked up. This is really, really funny.  >Best to stay in your safe space and keep getting cucked.  Ugh, you don't see how embarrassing you sound, do you? Why would someone be cucked in a safe space? Are you saying *this* is a safe space? This sub is very clearly anti-Trump. You don't know what these words or phrases mean.  >I wasn't being homophobic. I called you for what you are. That's your choice. No shame. Keep doing what you do and be Putins holster  Why do you think about cocksucking so much?"


Think about it this way.  Chances are those jobs were leaving America soon anyway.  Would you prefer Mexico to get them, where we could still sell services and raw materials.  Or China, who use less of our services or raw materials


I mean, if we're using anecdotes I own a house in Seattle that I bought when I was 25. And my wife and I just bought another house to live in in the greater Seattle area. Can't and don't aren't necessarily the same thing. It's just about how people prioritize.


">""There's a market here that we've been missing our entire lives,"" said Donald Trump, Jr. during the announcement event.   A fool and their money are soon departed. They've realized there are lots of suckers they haven't screwed over yet. They're entering a market that's pretty well covered but they're banking on the blind support from 45's base.  I can only wonder though, if it will be a successful venture this time."


As long as the fine print permits this, it's a quick 2%. Be careful that your credit score may drop momentarily if you use the credit and for that cycle have high utilization.


I knowingly installed company certs because we are a web development company and it is cheaper to sign our own certs. But, this isn't a MITM issue, since they have software installed on my machine. They don't need to be in the middle, they are already at an end point.


Well I see a lot of pushback against the many people in here that are suggesting failing a drug test due to weed means that the person is addicted and basically a junkie who's goal in life is to get wasted.  If that really is the business owner mindset then I really have no sympathy for them.  If you're argument is solely based on insurance that is one thing but I have no interest in supporting some kind of bullshit moralizing based off of anti drug propaganda.


"If the account is really only in your father's name and not even ""in trust"" for you, then you can't touch it, I'm afraid. And taking your family to small-claims court is something of a nuclear option. Hiitting sympathetic family members for a loan may be the best course here;. Anything you do to try to force cooperation is likely to be a ""nuclear option"" as far as getting back on peaceable terms with your family goes.  If you must resort to that, i'd suggest asking whether the local department of youth services, or s religious figure or someone else your father respects, could persuade him to cooperate. He might be more willing to listen to someone else."


Yes thats true but I think the point is you have to look at it in context - reduced spending will hurt the economy but you also can't just spend endlessly on credit cards and bank loans either. The point here is it seems like the whole system has hit a wall in terms of further increasing debt levels. I think that while their analysis is overly simplistic, there is a point here in that we do need to cut the debt down.


What are the most important facts to keep in mind as I consider this? IMHO, the most important consideration to keep in mind is - do you really want to be in the landlord business, and if so, how much experience do you have in this business?


But how do I bring the initial deposit into the equation? Basically, you can't.  Unless you combine two different formulas from Math of Finance into a single expression. The single initial deposit of $1000 will compound for 20 years at 5% compounded annually. The final amount for this part of the deposit will be: V1 = 1000 x (1.05)^20 In addition the series of 20 payments will be an ordinary annuity with a regular payment of $100, with the value on the occasion of the 20th payment given by:  So the final total amount in the account at the end of 20 years will be the sum of these two values...


the cash is not penalty free. if you take up loans from the policy to pay for retirement growth essentially stops and the interest will eat away policy value over time. so instead of gaining 7-8 % per year and taking withdrawals, you would be taking loans and losing whatever the interest rate is.  Dividends are just the profits made from the company which is why its tax free. its considered a return of premium. you are just overpaying for the policy by its dividend rate.   whole life is a great vehicle for some situations, but it always comes after a 401k or other retirement savings. whole life doesnt even begin to make sense imo until you are making a few hundred thousand a year and need it for a business buy sell agreement or legacy money to leave children/grandchildren.  it doesnt scale well to lower incomes.


It destroyed Sweden's position as a major player in the global securities market.  When the tax was rescinded in 1991, some of the trade returned over time but things were never the same.  It was also a net revenue loser without even considering the long term market damage.


**Service-level agreement**  A service-level agreement (SLA) is defined as an official commitment that prevails between a service provider and a client . Particular aspects of the service – quality, availability, responsibilities – are agreed between the service provider and the service user. The most common component of SLA is that the services should be provided to the customer as agreed upon in the contract. As an example, Internet service providers and telcos will commonly include service level agreements within the terms of their contracts with customers to define the level(s) of service being sold in plain language terms.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.27


This is exactly what needs to happen for the benefit of the country. Don't make this a republican vs democrat thing. The mortgage interest deduction causes artificially high home prices and discourages building small affordable homes. Home purchase prices falling means builders might start building smaller, cheaper homes again. If it causes a housing crisis, it will be for those who bought 3000 sq ft Mcmansions on what used to be farmland.   Removing the state and local tax deduction means there might finally be incentive for cities to consolidate local townships and increase overall efficiency again. The ultra-wealthy townships that keep poor people out through high taxes will decrease and join other larger local governments. This would be a huge plus as far as tax reform goes.


James, money saved over the long term will typically beat inflation. There are many articles that discuss the advantage of starting young, and offer: A 21 year old who puts away $1000/yr for 10 years and stops depositing will be ahead of the 31 yr old who starts the $1000/yr deposit and continues through retirement.  If any of us can get a message to our younger selves (time travel, anyone?) we would deliver two messages: Start out by living beneath your means, never take on credit card debt, and save at least 10%/yr as soon as you start working. I'd add, put half your raises to savings until your rate is 15%.  I can't comment on the pension companies. Here in the US, our accounts are somewhat guaranteed, not for value, but against theft. We invest in stocks and bonds, our funds are not mingled with the assets of the investment plan company.


As far as taxes go: If you contribute to the HSA account through your employer pre-tax, that amount is not subject to the Social Security (6.2%) and the Medicare (1.45%) tax. If you contribute that amount post-tax, you can deduct it from your income tax at the end of the year, but the Social Security and Medicare taxes have already been paid and there's no mechanism to claim deductions on those.


If you have a debt that has very low interest now, but you are aware that it's not going to stay that way (0% introductory APR on a credit card, for example), it can make sense to pay that off before the higher rate kicks in.


You don't need a Visa to create or own US property. Your registered agent will be able to take care of most of this, and your new entity will use the registered agent's address where applicable, but you may need your own separate address which can be your office in the UK. If you want privacy then you'll want a separate address, which can also be a PO Box or an address the registered agent also provides. US corporations, especially in Delaware, have a lot more compliance issues than the LLC product. Delaware has a lot more costs for formation and annual reports than most other united states. There are definitely a lot of states to choose from, but more people will have information for Delaware.


Have you changed how you handle fund distributions?  While it is typical to re-invest the distributions to buy additional shares, this may not make sense if you want to get a little cash to use for the home purchase.  While you may already handle this, it isn't mentioned in the question. While it likely won't make a big difference, it could be a useful factor to consider, potentially if you ponder how risky is it having your down payment fluctuate in value from day to day.  I'd just think it is more convenient to take the distributions in cash and that way have fewer transactions to report in the following year.  Unless you have a working crystal ball, there is no way to definitively predict if the market will be up or down in exactly 2 years from now.  Thus, I suggest taking the distributions in cash and investing in something much lower risk like a money market mutual fund.


If for any tax year, you were eligible to make deductible contributions to a Traditional IRA, and did make the contributions in timely fashion, then there is no need to file Form 8606 for that year. Form 8606 (which tracks your basis in the IRA) is needed if Form 8606 is also needed if


"I have no problem with such agreements, but if that is the case, then there should be direct financial compensation for locking you out of your profession.  They don't want you to work for anyone else for 18 months - then pay you for that period and put you on ""gardening leave""."


Approximately Yes. However as you are paying more, the interest accrused would be less.


Economies of scale made it cheaper for Tesla to do it this way so they didn't have to pay for re-tooling to have a separate line making S60 batteries. And they figured a sizable fraction of the people would pay for the upgrade at some point anyways. They no longer offer the S60. S75 is the smallest Model S battery you can buy. So the range extension only affected a portion of the Tesla population but still a badass move on Teslas part, atta boy Elon


Hey, OP! I've seen you post in a few NYU threads. Do you, by any chance, go to Stern?  As for the internship problem, I say you should wait, at least for the experience itself. Just my two cents :)


"No, there aren't only 2 choices as I have a good job. In this case though, there are two options, either continue to have the ""bad jobs"" that this rich guys company is providing or he shuts down the company and there are no jobs at all.  It's not a loaded question. I'd rather have a bad employer than no employer at all."


"If you're making $80k, and you're consulting for an extra $400/wk or $20,800/yr, you're earning a total of $100,800.  That's assuming you do it for a full calendar year of course.  Either way, assuming you can deduct/exclude at least $11k of income (as almost everyone can), you're paying 25% on your marginal dollars.  (This also assumes you're single; if you're married/filing jointly, this may not be true.)  Note, you're right at the edge of the 25% bracket if you earn this in a full calendar year - but if you have a 401k, health insurance, or other reductions you'll be fine.  Additionally, for this year you'll be under (again assuming single and no other income) because you aren't earning a full year's worth. Assuming your $80k is precisely taken care of by your regular withholding, then, you will literally pay 25%*$400/week in additional taxes - $100 per week.  So if you are paid biweekly, you need to add $200/week in withholding on your W-4.  If you expect to overpay taxes (if you own a house with a mortgage for example, you often do), you can reduce it some, but adding $200/biweekly paycheck should bring you right to where you were before the extra income. The general rule is to calculate your marginal (not effective) tax rate before the new income, assuming default withholding takes care of that, and then withhold the marginal rate for the new income [checking that the new income doesn't push the marginal rate up - if so, calculate in two parts, the part in the lower marginal rate and the part in the higher marginal rate]. You can google ""2014 tax brackets"", or look at the IRS tax tables for detailed information about marginal rates."


I just checked TCF's rates, and they only pay a miserly rate of 0.25%. Banks like Capital One or Sallie Mae pay about 1.15%, which is more than 4x, though still nothing great. Do you expect to use these funds in 5 years (e.g. for down payment on a house), or could you contribute them to an IRA?


my question was pretty clear I thought.  I news headlines currenty stating that to save the spanish banks right now it'll take several tens of billion euros, so just what fraction of the big problem are these private banks' bailouts?


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Honest question, is a $10-$15 monthly fee for a checking account normal?  I've been a customer of a Big 4 bank (Chase) forever, never needed to pay them any fees for anything. I never overdraft either, but it's not like I'm high networth or anything either.


From a moral perspective, this would be so great. From a marketing perspective, all it would take is to 'leak' more videos that show how industrial meat production actually looks like to turn a large number of consumers to something that's ethically better (and probably can also be argued to be healthier).   Excited to see this, less from an investment perspective, but because this could really change how humans interact with animals in a significant way.


That question makes assumptions that don't hold in general As to why to deal with futures:  Well, there's just one contract per maturity date, not a whole chain of contracts (options come at different strike prices).  That in turn means that all the liquidity is in that one contract and not scattered across the chain. Then, moreover, it depends what underlying contracts you're talking about.  Often, especially when dealing with commodities, there is no option chain on the spot product but only options on the futures contracts. In summary, the question is somewhat bogus.  Options and futures evolved historically and independently, and were not meant to be substitutable by one another.  So their rights and obligations are just a historical by-product and not their defining feature.  I suggest you refine it to a specific asset class.