"You could use any of various financial APIs (e.g., Yahoo finance) to get prices of some reference stock and bond index funds.  That would be a reasonable approximation to market performance over a given time span. As for inflation data, just googling ""monthly inflation data"" gave me two pages with numbers that seem to agree and go back to 1914.  If you want to double-check their numbers you could go to the source at the BLS. As for whether any existing analysis exists, I'm not sure exactly what you mean.  I don't think you need to do much analysis to show that stock returns are different over different time periods."


Unless you are a client with boatloads of money, I don't think service like you are asking about is very common. And I kind of assume that if you did have the boatloads of money, you would already have had such a relationship with a brokerage or accountant or similar financial professional. When I have taken money from brokerage accounts, I have had to call them to ask for it or requested it online. For both, the only option was to receive a check in the mail made out to the account holder (me). This usually takes about a week, although that does include waiting for the funds to settle after a stock sale which itself is about 3 business days. I know a lot of brokerages do have banks affiliated with them and one of the benefits of having a bank account with that affiliated bank is quicker transfers in and out of your bank account. But if you aren't willing to do that, I don't think you have many other choices other than receive a check in the mail.


"This is an interesting argument that I haven't quite seen yet. I'm still unsure as to where I stand on ""livable"" minimum wages, but you do have a point with the government maybe taking too much authority in some aspects."


"**Big Mac Index**  The Big Mac Index is published by The Economist as an informal way of measuring the purchasing power parity (PPP) between two currencies and provides a test of the extent to which market exchange rates result in goods costing the same in different countries. It ""seeks to make exchange-rate theory a bit more digestible"".  The index, created in 1986, takes its name from the Big Mac, a hamburger sold at McDonald's restaurants.  ***  ^[ [^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/finance/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.24"


When you operate outside of the law, you bear the risks of that decision.  When you operate within the law, you have a number of avenues, such as the courts and police to mediate disputes or other problems.


"The service processors are providing is absorbing the risk.  The flow goes, roughly (and I say roughly because it's a complicated process):  1. You swipe/insert your card at Bob's House of Eatery and get charged $10 for a bucket of ramen or something. 2. The device you swipe your card in, (""a terminal"") encodes the card number, amount, and some other transaction details and contacts a ""Payment Gateway"".   3. The gateway decodes the blob of data, and is responsible for determining the issuing financial institution (""Chase"", ""US Bank"", etc.). 4. The gateway contacts the above and asks, ""Can card # 555.. charge $10?"" 5. The gateway also sends this answer to the processor.   5. The processor _immediately_ proxies that yes/no back to the merchant's terminal. 6. The processor, having a transaction ID, and a yes/no, sends the response to the merchant's systems so your receipt can be printed or order processed, and so on.   7. Meanwhile, the processor has a transaction ID and is busy figuring out things like interchange fees.  The amount depends on a whole host of things, and almost everyone involved in the process wants their cut -- the bank, the gateway, the processor, and it all depends on the type of card, customer, rewards, and so on.   8. At the end of the day, week, whatever, the processor collects money from the issuing financial institution and is responsible for giving the right amount -- less fees -- to the merchant.    The processor here also absorbs the risk and costs for things like chargebacks, as almost everyone in that chain (gateway, issuing bank) want their pound of flesh for a chargeback, and often the processor doesn't pass that full cost on to the merchant and instead does some risk analysis to determine if they think this merchant is going to be okay to do business with.    That's what you're paying for."


"They did not do a corporate inversion. They mostly avoid paying taxes to European countries through setups that use two Irish companies, one Dutch (or Swiss, or Luxembourgian) and a Cayman Islands ""European"" headquarters office.  They are still domiciled in the US and pay US taxes."


The location does matter in the case where you introduce currency risk; by leaving you US savings in USD, you're basically working on the assumption that the USD will not lose value against the EUR - if it does and you live in the EUR-zone, you've just misplaced some of your capital. Of course that also works the other way around if the USD appreciates against the EUR, you gained some money.


One problem is that P/E ratio only looks at the last announced earnings. Let's take your manufacturing plant with a P/E of 12.5. Then they announce a major problem that will hurt future earnings and the price drops in half. Now the P/E is 6.25. It looks great, but since there aren't any new earnings that reflect the problem, it's very misleading.


You can find a record of past tax returns on the Get Transcript page on irs.gov. Update: As of 2016 it looks like that link only allows you to retrieve previous tax returns by mail. Previously it had allowed you to view and download them from their website.


"There's a loophole that could enable you to have it both ways. Start taking it out as soon as you are eligible. e.g. at age 62. If you decide you want more, starting at age 65, you can ""start fresh"" (at a higher level) by repaying what you took out between ages 62-64 at face value. Essentially, you can take out an interest-free loan for those years.  Or so the experts at Agora Financial have told me."


How tone deaf can this company and management staff be.- not to mention he CEO.  He is right about one thing though when he says there is no excuse... he is spot on there, now take your golden parachute and ride off into the sunset.


Yes. There's a long tradition of this going back to the Roman Empire. It's called the dispersal of power. It's the fundamental reason why democracies are the least worst form of government, just after everything else.   https://www.youtube.com/watch?v=rStL7niR7gs  Of course, actual equity and zero corruption would be ideal, but to be able to maintain the illusion of something like that, and have many wealthy interests compete for influence does a better job of dispersing power.  EDIT: The Roman Republic was somewhat good at dispersing power, but things broke down into the Empire. However, throughout the history of Rome, there were powerful wealthy interests that also held power, and these patterns carried forward into the middle ages and Renaissance.


I like the produce at Whole Foods,  prices are comparable to other markets in my area and the quality is much better. I don't subscribe to prime, I tried it and it is not worth it to me the $99 a year price, many products are not on prime and I can still get free shipping if I am willing to wait a week or so.   What I am trying to say, I hope Amazon doesn't mess with Whole Food's quality and selection just to show better prices, I can go to plenty other stores for that.


I work from home. However I am starting my own agency (http://localgrowthdigital.com) in United States. It's specialized in E-commerce and small business. The website is not ready yet though. I am moving to Arizona and will open my office there probably.   Yes, I got over $5.500 IN SALES only working online. Net profit was around 35-40% of that.


"Thing is, it's already explained in the letter, in the end of the first paragraph: ""Tesla’s annualized delivery rate should exceed 100,000 units **by the end of next year**"" (emphasis mine).  When I first saw the number I got excited, but then I read the actual sentence, realized what they meant, and it's still impressive but it's not 3x increase in production YoY (which would be absurd to expect, esp. when Tesla's trajectory has been just-under-100% increases per year so far and into the mid-term foreseeable future).  *Then* they explained it *again* on the CC (Elon said *something like* ""we'll exit next year at a 100k rate, but it's hard to tell how steep the curve will be, but we'll probably have over 60k deliveries...I think...yeah probably"").  I emailed the author of this article and he still believes that Tesla has ""unequivocally"" stated that they will produce and deliver 100k cars in 2015...but that's simply not correct.  I have some people who know press contacts within Tesla working on hammering it out, though their efficacy at press communications has not been ideal at times in the past.  If Tesla did unequivocally state that they would deliver 100k cars next year, after delivering just over 35k this year and 22k last year, that would be enormous news and should have sent the stock to $300 today, up 30-50%+ instead of the 4% it did go up.  But it didn't send it that high, because that's just not what's happening.  I'm extraordinarily bullish on Tesla, but 100k in 2015 is just not what's going to happen.  100k+ in 2016, though, sounds about right.  And is in line with every other estimate everyone has done for the past several years, including Tesla themselves.  So yeah, this number isn't really news, but it's nice to see them reiterate it."


Don’t do anything that causes taxes or penalties, beyond that it’s entirely personal choice and other posters have already done a great job enumerating then.  I recently switched jobs in June and rolled over a 401k from my old company to new company and the third party managing the account at the new company was much more professional and walked me through all the required steps and paperwork.


> Greece is the homeless, one-armed drug addict with no prospects that struggles to find a few bucks to spend a night in a hostel. The size of the debt is more or less irrelevant. It's the ability to pay it that really matters.  But we're talking about the debt-to-GDP ratio, not the debt as an absolute value.  Which means we're quite literally structuring our comparison in terms of the nation's ability to pay it off.


Pipes and drainages commonly suffer from general wear and tear. Should you need help in fixing them, you cannot do better than hire an emergency plumber Bristol based from Nupipe Group! This company has a team of professional workmen who are all capable of carrying out repair services that are of high standards. To learn more about Nupipe Group and their great offerings, go to www.nupipe.co.uk.


Our second to last addition was due to buying out a smaller business. We do call locally owned and small scale businesses often but they surprising have a contract set up with a different company or aren't looking to sell right away.


"The answer is stimulus, but more specifically direct spending.  The kind of ""stimulus"" where we simply fill in giant gaping holes of bank balance sheets is not ""stimulus"" at all, and those who criticize ""keynesian economics"" because the bailouts ""failed"" don't understand what they are saying.  Bailouts are not stimulus.  Creating middle class jobs, that is stimulus.    I will put it to you this way.  Almost every single company in existence uses some kind of debt to leverage its operations.   Almost every company that is listed on the stock exchange either sells bonds or issues commercial paper or both.  This can also be a useful position for the government, especially since their cost of borrowing is lower than that of any company.    Essentially, the government can borrow at 1%, put people to work, and collect 25% in taxes.  Its cash flow positive in the short term, and in the long term as well, as long as it is effective and the economy gets better.  A growing economy will bring in more than enough tax revenue to offset any costs of jump starting the economy.    If instead you wanted austerity, you would be calling for austerity on the largest economy in the world, who's bonds are still rated AAA, and who's borrowing costs are 1%.  If you are calling for austerity on that, then nobody on earth is credit worthy.  It is a non-sensical position."


">""We can put satellites into space at a fraction of the price that it currently costs,"" he says—and Virgin is working with a ""tiny little"" company (the name of which hasn't yet been publicly disclosed) to do just that.""  I'm going to go out on a limb here and predict [SSTL](http://en.wikipedia.org/wiki/Surrey_Satellite_Technology_Ltd)"


The answer would depend on the equities held. Some can weather inflation better than others (such as companies that have solid dividend growth) and even outpace inflation. Some industries are also safer against inflation than others, such as consumer staples and utilities since people usually have to purchase these regardless of how much $ they have. In looking over the data comparing S&P 500 returns, dividends, and inflation, the results are all over the map. In the 50's the total return was 19.3% with inflation at 2.2%. Then in the 70's returns were 5.8% with inflation at 7.4 percent, leading one to think that inflation diminished returns. But then in the 80's inflation was 5.1%, yet the return on the S&P was up to 17.3% Either way, aside from the 70's every other decade since 1950 has outpaced inflation (as long as you are including dividends; hence my first paragraph). S&P 500: Total and Inflation-Adjusted Historical Returns Also, the 7% average stock appreciation you mention is just that, an average. You are comparing a year-over-year number (7% inflation) with an aggregated one (stock performance over x number of years) and that is a misrepresentation and is not being weighted for the difference in what those numbers mean. Finally, there are thousands of things that have an effect on the stock market and stocks. Some are controllable and others are not. The idea that any one of them, such as inflation, has any sort of long-term, everlasting effect on prices that they cannot outmaneuver is improbable. This is where researching your stocks comes in...and if done prudently, who cares what the inflation rate is?


Youre right, but I was not looking for a specific answer. I was just looking for anyone's opinion.   I was just surprised how so many of the responses are very simple and in my opinion misleading such as:  >A role of a bank is to make bankers wealthy at the expense of its clients


"In other words, you confess that you've taken no effort to actually study the science of economics, and instead try to paint your professed ignorance as ""life experience,"" of which you assume I have none?   Remember why Socrates was the wisest man in the world. He was the only one who confessed what he did not know."


Third year here, and let me echo what everybody below is saying: math, math, math.  That being said, most programs will give you a chance depending on your quant score from the gmat/gre. It had better be high though, low seven hundreds wont even garner a look from any school in the top 20 (and your quant should be higher than your verbal). From what it looks like from your background it sounds like the masters would be helpful (although a masters in econ wont be as much of a help as you think; finance is a sub field of econ, and so to justify our work we have to distinguish ourselves as much as we can...). My advice is use the masters to take probability theory, and statistics courses (or econometrics) and as many of them as you can.   My next advice is apply to as many schools as you can afford and stagger the applications across school rankings. Some of the foreign students in my program have told me that they sent out dozens of applications and that even 100 apps is not unusual. I call it the shotgun approach.  Third I will agree with some of the other comments in that you will need less math for corporate stuff and or behavioral/experimental stuff. BUT it is unlikely that any school will take that into consideration. I cant think of any other phd student that I have talked to, from many other programs, that don't have to take asset pricing and other theory courses. PhD programs start very generally and then you are allowed to specialize as time goes on.  Basically, expect this shit to be hard. Finance profs are some of the highest paid in academia, which means there is an insane amount of applicants for each spot. In my program we average 400 qualified applicants a year for a meager three spots. And many of the applicants will already have Phds in physics, math, or engineering (they get tired of making no money as a post doc, and decide to come for another one in finance where they can get paid). Not to discourage you at all, but revise your expectations.


You are right: also Obama had GDP >3% is several quarters during his time.  Back to Trump, the excuse that it's Obama accomplishments is not a good one.   The stock market breaking records, and it's only because  because of faith in Trump.


"I haven't used transfer wise, so can't speak to their price.   Regardless of what service you use, what you should look for is whether the conversion price is greater than how much you think the currency's price will move.   Example: if your bank charges ~8% on any currency exchange, you should ask yourself whether you think the pound (or whatever currency) will drop by >8% within whatever time frame you've set for yourself. If not, you're better off keeping your money in that currency.   I checked out their site and it does look like transferwise is pretty inexpensive, around .9% in transaction costs. So again, ask yourself whether you think the pound will drop by 1% in your time frame. Doesn't seem like a lot, but also consider that currencies typically fluctuate by just a few tenths of a percentage per day.   I know you're probably looking for an answer like ""pound will drop, sell it all,"" but I don't know enough about currencies to be giving advice there. I would definitely pay attention to Brexit negotiations though, as that will be one of the biggest influences on both currencies for quite some time."


What is the probability of a real occasion (meaning not just an example) being exactly zero? Even if you have 0.1 you can still do the math. Also, it is kind of depending on the occasion. For example, you want to calculate the ROI of an investment for which you had zero capital and you made that investment with leverage, meaning you got a loan. In order to get that loan you should have provided a collateral, so in this case as a starting sum you use the collateral. In another example, say EAT it's difficult to have exactly zero. So, in most cases you won't have to deal with zero values, only positives and negatives.


After working my way up the corporate ladder I learned one thing. Anyone above you is an idiot and anyone below you thinks you're an idiot. It's that simple.   Everyone thinks they could do it better. You promote them and suddenly the understand that you really can't just do whatever you want. It's easy to say what you would do, but it's another thing to get in a place of power and realize you have no control to change anything.


"Your mortgage will not allow you to rent out the whole property - they would want you on a buy-to-let mortgage (which will have worse APR than a standard) - buy to let mortgage also invalidates help to buy schemes. The help to buy scheme does not allow you to sublet.  I.e. you cannot have tenants.  However, you can have a lodger. My understanding is that they are different.  In the UK, you can make up to £7500 tax free from a lodger under the ""rent a room relief"" and as this isn't a tenant - this should be ok with both help to buy and the mortgage provider.  However I would recommend double checking with your mortgage provider - as if you break any terms and conditions, it could lead to invalidating your mortgage. Another thing to consider with lodgers (or tenants) - it generally makes insurance a LOT more expensive and wont cover you if the lodger steals your stuff or damages the property and this will include lodgers friends if they visit - so just something to bear in mind."


Remember that balance transfers are rarely fee free. As you state, there is a fee associated with the balance transfer. If your 0% rate is for 18 months and the fee is 3%, you are really paying 2% per year on the amount you transferred. The advantage is that you can redirect the debt you transferred is interest free and you can attack other debt with high interest on it. This can save you in interest fees and allow you to direct more of your money towards debt. The disadvantage is that your 0% interest will expire and become a much higher interest rate. Unless you pay off the transfer before the expiration, you will have to pay off the debt at the higher interest. How you decide to attack your debt reduction may need to factor in how long you expect to have debt and what other debt you have. Often times though, the savings in interest is less important than simplifying the number of debt accounts you have. The inspiration you receive from reducing your debt accounts is much more powerful. You realize reducing debt accounts allows you to actually see an end in sight and provides the recurring positive feedback that you are making progressing. This is why the advice to pay off your lowest balance credit cards first.


Agreed across the board. We'll start seeing a rash of patents and patent enforcement cases on various spare parts that have been high-margin cash cows for various companies. We'll also see trademark infringement cases for things like replacing the hood ornament on your Jaguar or the logo emblem on the back of your car.   And I also agree that just like VCRs, digital downloads, etc - it won't work.


Your wealth will go up if your effective rate after taxes is less than the inflation rate.  That is, if your interest rate is R and marginal tax rate is T, then you need R*(1-T) to be less than inflation to make a loan worth it.  Lately inflation has been bouncing around between 1% and 1.8%.  Let's assume a 25% tax rate.  Is your interest rate lower than between 1.3% and 2.4%?  If not, don't take out a loan. Another thing to consider: when you take out a loan you have to do a ton of extra stuff to make the lender happy (inspections, appraisals, origination charges, etc.).  These really add up and are part of the closing costs as well as the time/trouble of buying a house.  I recently bought my house using 100% cash.  It was 2 weeks between when I agreed to a price to when the deal was sealed and my realtor said I probably saved about $10,000 in closing costs.  I think she was exaggerating, but it was a lot of time and money I saved.  My final closing costs were only a few hundred, not thousands, of dollars. TL;DR: Loans are for suckers. Avoid if possible.


"Given his history it seems silly to give the benefit of the doubt. At the very least we should understand how poor form it is to make a joke like that as a public figure regardless. But its just one piece of evidence to support my argument.  Personally I think pushing for the prosecution of cannabis again, and all of the terribly detrimental programs of the 80s is a far more compelling line of evidence. I also think the person I was responding to would not accept ""acting in ways that knowingly harm POC in a tremendously disproportionate manner from non-POC"" as evidence of racism."


">on behalf of the general public  That's where you're wrong.  They did this for one reason, to enrich themselves *at the expense of the general public*.  The general public got nothing from this.  Actually, they got less than nothing as they're almost certainly going to be charged more to cover the expense of the settlement.  This was a completely self-serving lawsuit brought by a bunch of greedy lawyers cloaking themselves in the guise of ""doing good by the public"".  These people should have their fingernails removed with rusty pliers.  They're the scum of the earth.  This is exactly why people say class action lawsuits are massively subject to abuse.  This is a textbook example, and why the whole system needs to be reformed."


A very simple and safe, though boring, approach is to hold cash rather than bonds, and move out of cash later once higher yields have lowered asset prices.


"It sounds like you want a place to park some money that's reasonably safe and liquid, but can sustain light to moderate losses. Consider some bond funds or bond ETFs filled with medium-term corporate bonds. It looks like you can get 3-3.5% or so. (I'd skip the municipal bond market right now, but ""why"" is a matter for its own question). Avoid long-term bonds or CDs if you're worried about inflation; interest rates will rise and the immediate value of the bonds will fall until the final payout value matches those rates."


Repairing your credit takes time. Companies that offer to do it for you (for money) generally succeed mostly at getting money from you. Nonprofit agencies will help you with advice and encouragement and will not want money from you.  They may be able to help you apply for a consolidation loan, but to be honest that is rarely the best first step. Over time, you need to The last step may happen months or years after the first two.


Capital requirements for a de novo bank, as opposed to an established one, are a real bitch.  Basically the government wont let you loan nearly as much of your money out.  You can't skirt this by buying an existing bank.  Regulators don't want upstarts making stupid loans and thus encouraging lower credit criteria systemwide.  Also Incumbents don't want more competition and they have lobbyists so I don't see this changing soon.


One of the most [unprofessional & corrupt military in the world](https://www.ndtv.com/india-news/air-force-chief-says-ready-for-full-spectrum-ops-1758926?pfrom=home-lateststories)  Over 35-40% of their Air fleet is not air worthy, they are running around in the world trying to buy fighters. The aircraft they built themselves (Tejas) can barely take off.  The Army does not have enough bullets or reliable rifles, or POL supplies to last 48 hours   It takes 2 militants to hold up their entire brigade head quarters    Their economy bubble is popping so they won't have the resources to pay for all the fancy checks they are signing for hardware  Yet in their imagination they are going to fight a two front war, build some fucking toilets and stop drinking cow piss, its pickling your brains.


Your argument with elvendude happened because your comment makes it appear that you think that if a business has less cash at the end of a year than at the beginning, the business does not need to pay taxes. elvendude is trying to show you that this isn't true.


"This is basically like saying so many poor people are ""leaches"" or lazy or whatever. Unless it's fraud, if they qualify for benefits, why not use them?  If you want them to stop, change the laws so less people qualify. If you want companies to stop doing this, change the laws so they can't."


> “The economy, as measured by gross domestic product, can be expected to grow at an annual rate of about 3 percent over the long term, and inflation of 2 percent would push nominal GDP growth to 5 percent, Buffett said. Stocks will probably rise at about that rate and dividend payments will boost total returns to 6 percent to 7 percent, he said.”  [Warren Buffett](https://www.csmonitor.com/Business/The-Simple-Dollar/2013/0506/What-Warren-Buffett-s-stock-market-math-means-for-your-retirement)  This isn't the whole picture, but it's a start.


What I'm most amused by is how people let themselves be so purposefully fleeced by jacked up gun and ammo prices. Of course, these are probably the same people that decide that when gas drops to $2.50/gal is the best time to run out and buy a fucking Canyonero as if gas will never go up in price again.


Some investors (pension funds or insurance companies) need to pay out a certain amount of money to their clients. They need cash on a periodical basis, and thus prefer dividend paying stock more.


It would really be possible to find lots of good advantages when you opt for the perfect quality Wrist Lock Support. You would be able to find that it has been able to exceed your own expectations out of it where it would definitely bring a big smile to your face.


Some brokers have a number of shares they can offer their customers, but the small guy will get 100, not as many as they'd like. In the Tech bubble of the late 90's I was able to buy in to many IPOs, but the written deal from the broker is that you could not sell for 30 days or you'd be restricted from IPO purchases for the next 90. No matter what the stock opened at, there were a fair number of stocks thay were below IPO issue price after 30 days had passed. I haven't started looking at IPOs since the tech flameout, but had I gotten in to LinkedIn it would have been at that $45 price. Let's see if it stays at these levels after 30 days.  Edit - This is the exact cut/paste from my broker's site :  Selling IPO Shares: While XXX customers are always free to sell shares purchased in a public offering at any time, short holding periods of less than 31 calendar days will be a factor in determining whether XXX allocates you shares in future public offerings. Accordingly, if you sell IPO shares purchased in a public offering within 30 calendar days of such purchase, you will be restricted from participating in initial and secondary public offerings through XXX for a period of 3 months.  (I deleted the broker name) I honestly don't know if I'd have gotten any LI shares. Next interesting one is Pandora.


Hey thank you so much for the reply!  So the interview is a late stage one - I've gotten past the concepts and honestly the role *shouldn't* be that heavy on the finance side   ...what I'm looking at now is actually having to mock up a financial forecast in a real estate development scenario.    I'm getting the case in advance and have to prepare a presentation.  So right now, I really need the ABCs of forecasting specifically.  But I'm definitely checking out your recommendations!


"What a silly click bait article. Half of their reasons were about non-monetary uses of gold and things that bitcoin and other cryptos were never meant to address. The other half were based on reasons of ""well this is the way it's always been... no need to change""! Which is just dumb."


IMO anti-trust needs to protect both consumers and competitions. Without protecting competitions it will hurt consumers in the long run.       Monopolies are glaring in the tech world and some tech companies unfairly used their information flow in addition to monopoly power to crash/buyout their competitions or to cockblock their competitors from acquisitions.


Does your business have a loan or overdraft with a bank? If so that bank will be much more likely to offer you a personal mortgage if you can show them a solid business plan and your profits for each year. Other than that make sure you have a perfect credit rating, use Experian to iron out any small things that might get in the way.


1)  When you apply for insurance you indicate your expected income, they figure the subsidy based on this.  Note that while this data isn't checked it's only an estimate, any errors will be fixed at tax time so lying is just going to gain you an unpleasant tax bill come April 15. 2)  It's not paid in installments, it's just a monthly premium.  It's quite possible for someone to be on the ACA for only part of a year. 3)  I can't address the issue of the fines.  However, you are wrong on who it's for--it's for anyone who doesn't have employer-provided insurance, whatever the reason.  I've been on it since it's inception because I have been self employed for most of that time--there's no employer to even offer me insurance.


The three biggest areas you are missing are:


Looking at my garden, many of those occur due to stresses and microclimates. if you plant a sun loving plant in or near partial shade, it gets overrun with aphids and fungi. If you plant it in sun, it does fine.  I suspect many such infestations are due to plants being stressed.


What account you put it in depends on why you have those different accounts.  First, if you have them due to regulatory requirements, then you of course must follow said regulations. I doubt that's the case here.  Otherwise, you might be splitting based on how they trade (ETFs trade as stocks) or you could be splitting based on how you build a portfolio out of them.  When you build a non-speculative stock portfolio, you typically want to limit your holdings in a single stock to a fairly small portion of your portfolio (say, 3%) to limit your exposure to bad stuff happening to a single company. That doesn't apply nearly a much to mutual funds, especially index funds. ETFs are much more like mutual funds here.  You can also, of course, create an ETF account and put them there. You also say you have a market index account, what is that used for?


You are right. It's not actually a scam but people call it that way because MLM promoters lie and use misleading statistics and demonstrations to make it look easy despite having pretty much no chance of success. Also MLM promoters usually lie to people about owning a supercar or mansion, and telling them that they can be rich by joining MLM. But yes it's a gamble disguised as a decent business.


"Well I disagree with the economists who claim Bitcoin can't (or wouldn't) be a currency.  As far as I'm concerned, Bitcoin is the best-established digital ""unit of account"", and in the event of a Dollar/Euro crisis you are likely to see some entrepreneurs figure out ways to speed its adoption.  I don't own any Bitcoin now, and I wouldn't put more than 15% of my total portfolio in it, simply because it's not possible to predict if something like that would catch on.  But I own a ton of silver (about 20% of which is physical and the other 80% is via Sprott's ETF).  I also don't own physical gold, but I own a lot of Swiss Francs, which in my view are a good proxy for gold and a safe haven given the fact Switzerland owns so much gold-per-capita.  You get the benefits of gold AND a captive, skilled tax-livestock.  Soros indicated recently he thinks the Euro won't last much longer than a few months.  I'm always amazed by how the elite can push things off, though.  So I hold about 50% of my savings as cash USD.  In the event of market turmoil (you'll know it when you see it, like 2008) you can use this to scoop up some cheap stocks and gold/silver coins.  Don't beat yourself up over missing opportunities, though.  The main thing is just to steer clear of government bonds and the stock market.  If you do that, you're going to come out in the top 20% over the next few years."


"I don't think many people aren't aware of that. However, having built-in labor costs could still be preferable to tipping so the cost is more ""upfront"". Nor do people want to be in the position of deciding someone's wages. I think many of us would accept higher prices for consistency and predictably"


"> Well, technically, Apple didn't ever terminate Jobs. He left on his own. But I take your point.  No you don't, because actually, if we're speaking purely ""technically"", Apple fired Steve Jobs.  But then they rehired him, because he was a genius, and they couldn't do anything without him.  > I do wonder if that type of brash personality would still work in today's overly sensitive corporate culture. Look at Uber and Travis Kalanick.  Absolutely. The smartest guys are the most capable guys and they invent the best things. It's not about personality, it's about capability. Uber is a weird case, and I haven't heard anything to suggest it's CEO is any sort of genius.   However look at Tesla, Elon Musk supposedly has an ego problem. He also invented re-usable spaceships."


> if you are really getting your info from TV, as opposed to just reading it in 1/10th of the time it takes to watch a TV program, thats your fault  there are plenty of market moving comments that come out on tv firsst, e.g. central bankers being interviewed or in a press conference.


As someone who hasn't been on a vacation in 4 years and is budgeting food on a week-by-week basis, I think you need a good look on the mirror. You might not be trying to sound snobbish, but the fact that you have the audacity to claim that while detailing how pretentious you are just makes you sound vain and petty. From the majority of Americans: fuck you. You shouldn't feel good about yourself.


A lot of qualifiers there -- e.g., 'comfortable', selection bias, etc. But regardless, this is a bit of a strawman: I'm not at all arguing that success isn't correlated with effort; it's a question of the degree of correlation, and the amount of attribution. I'm in a nascent engineering startup myself, and I would hardly be motivated in *any* commercial endeavor if I believed there wasn't a correlation between effort and outcome!  I would actually grant you that engineering is probably one of the better examples of meritocracy out there today -- but there's a lot of caveats to that, and many engineers I know in large corporate environments are an underclass to much less technical, much less hard-working superiors.   And from personal experience, high-level academia breaks down rapidly beyond the undergraduate level.


"Newspapers write a lot about the central bank stopping ""cheap money"" in the US. What is that exactly and what are the implications for the stock market? An interest rate is simply defined as the price of money.  So if money is cheap, it must mean there is a low interest rate compared to normal.  If milk is cheap, we're comparing it to past prices or prices at competitors' stores.  Same with money. I don't think its fair to say just because the supply of dollars rises that the value of dollars will go down.  Value or price is determined by supply and demand, not just supply.  Its possible for the demand for dollars to be stronger than the rising supply, which would drive the price higher.  A good example of this is to look at the value of the dollar recently.  The Fed has been printing $85 billion per month, yet the value of them is going up compared to foreign currencies, gold, and just about everything.  Why? Because the Fed has merely threatened to stop, but it hasn't stopped.  That alone was enough to increase demand above supply.  So if you want to know what will happen, take a look at what IS happening. When cheap money ends, the value of the dollar will go up, interest rates will go up.  This will be a drag on the economy.  It will be more difficult for companies to show profits and earnings should decline.  In addition, those who have grown accustom to the easy money and have over-leveraged themselves (ie REITs) could go bankrupt."


What could a small guy with $100 do to make himself not poor To answer the question directly, not much. Short of investing in something at the exact moment before it goes bananas, then reinvesting into a bigger stock and bigger etc, it's super high risk. A better way is to sacrifice some small things, less coffee, less smokes, less going out partying so that instead of having $100, you have $100 a week. This puts you into a situation where you can save enough to become a deposit on an appreciating asset (choose your own asset class, property in AU for me). Take out a loan for as much as you can for your $100 a week payment and make it interest only with an offset against it, distributions from shares can either be reinvested or put into the offset or in the case of property, rent can be put against the offset, pretty soon you end up with a scenario where you have cash offsetting a loan down to nothing but you still have access to the cash, invest into another place and revalue your asset, you can take out any equity that has grown and put that also into your offset. Keep pulling equity and using the money from the offset as deposits on other assets (it kind of works really well on property) and within 15 years you can build an empire with a passive income to retire on. The biggest thing the rich guys get that the poor guys don't is that debt is GOOD, use someone else's money to buy an appreciating asset then when you pay it back eventually, you own the growth. Use debt to buy more debt for exponential growth. Of course, you need to also invest your time to research what you are investing in, you need to know when you make the decision to buy that it will appreciate, it's no good just buying off a tip, you may as well drop your money on the horses if you want to play it like that. Fortunately, one thing we all have in common regardless of our money is time, we have time which we can invest.


Free File is not software by the IRS.  Free File is actually a partnership between the IRS and the Free File Alliance, a group of tax software companies.  The software companies have all agreed to provide a free version of their tax software for low-income taxpayers. According to the Free File Alliance FAQ, the Alliance was formed in 2002 as part of a Presidential initiative to improve electronic access to government.  You can read all the excruciating details of the formal agreement (PDF) between the IRS and the Alliance, but basically, the participating software companies get exposure for their products and the possibility of up-selling services, such as state tax return software.


You can find newspaper clippings from the early 1800s that say things the world is shrinking and is becoming all too fast, kids don't pay attention, people always have their heads in this or that, etc.  The more things change, the more they stay the same.


"When you have multiple assets available and a risk-free asset (cash or borrowing) you will always end up blending them if you have a reasonable objective function.  However, you seem to have constrained yourself to 100% investment.  Combine that with the fact that you are considering only two assets and you can easily have a solution where only one asset is desired in the portfolio.  The fact that you describe the US fund as ""dominating"" the forign fund indicates that this may be the case for you.  Ordinarily diversification benefits the overall portfolio even if one asset ""dominates"" another but it may not in your special case. Notice that these funds are both already highly diversified, so all you are getting is cross-border diversification by getting more than one.  That may be why you are getting the solution you are.  I've seen a lot of suggested allocations that have weights similar to what you are using. Finding an optimal portfolio given a vector of expected returns and a covariance matrix is very easy, with some reliable results.  Fancy models get pretty much the same kinds of answers as simple ones.  However, getting a good covariance matrix is hard and getting a good expected return vector is all but impossible.  Unfortunately portfolio results are very sensitive to these inputs.  For that reason, most of us use portfolio theory to guide our intuition, but seldom do the math for our own portfolio.  In any model you use, your weak link is the expected return and covariance.  More sophisticated models don't usually help produce a more reasonable result. For that reason, your original strategy (80-20) sounds pretty good to me.  Not sure why you are not diversifying outside of equities, but I suppose you have your reasons."


Sending your money off to do the heavy lifting is a way of saying that compound returns can do the bulk of your retirement investing work.  Check out the image below, I swiped this from a quick google search so I cannot claim graphic credit. But as you can see the earning potential of your money as you approach retirement is many times higher than your annual contributions. With the aim of having your money earn interest/returns to pay your annual living expenses, replacing your previous annual income.  https://i.stack.imgur.com/fpZPN.jpg I tried to post the image but do not have enough rep.


"The official guide can be found here, but that can be a little in depth as well.  To make good use of you need at least a little knowledge of double-entry bookkeeping.   Double-entry bookkeeping, in accounting, is a system of bookkeeping so named because every entry to an account requires a corresponding and opposite entry to a different account. From Wikipedia Another way to think of it is that everything is an account.  You'll need to set up accounts for lots of things that aren't accounts at your bank to make the double-entry system work. For example you'll need to set up various expense accounts like ""office supplies"" even though you'll never have a bank account by that name. Generally an imbalanced transfer is when you have a from or to account specified, but not both.  If I have imbalanced transactions I usually work them from the imbalance ""account"", and work each transaction to have its appropriate tying account, at which point it will no longer be listed under imbalance."


For insight on what will happen, I suggest looking at the situation from the lender's perspective: If your setbacks are temporary, and you are likely to get back on your feet again, they will protect their investment by making accommodations, and probably charging you extra fees along the way. If your financial hardship seems irredeemable, they probably try to squeeze you for as much as possible, and then eventually take your house, protecting their investment as best they can. If they are going to foreclose, they may be reluctant to do it quickly, as foreclosure is expensive, takes man power, and looks bad on their books.  So it may get pushed off for a Quarter, or a fiscal year. But if you are asking if they'll help you out from the goodness of their heart, well, a bank has no heart, and creditors are interested in ROI.  They'll take the easiest path to profit, or failing that, the path to minimum financial losses.   The personal consequences to you are not their concern. Once you realize this, it may change your thinking about your own situation.   If you think you have a path to financial recovery, then you need to make that clear to them, in writing, with details.  Make a business case that working with you is in their own best interests. If you cannot make such a case, recognize that they'll likely squeeze you for as much as possible in penalties, fees, interest payments, etc, before eventually foreclosing on you anyway.  Don't play that game. If your home is a lost cause financially, plan how to get out from it with the smallest losses possible.  Don't pay more than you need to, and don't throw good money after bad.


"The 'desperate hustle' profits from bending and breaking laws worldwide, fueled by hipsters who think they're ""puttin' it to the man"".  Whine all you want about 'anti-competitive exclusionary blah blah'; if you think the laws are unfair, **change them**, or have your life run by gray-market carnys."


When there is a difference between the two ... no trading occurs. Let's look at an example: Investor A, B, C, and D all buy/sell shares of company X. Investor A wants to sell 10 shares at $20 a share (Ask price $20 x10). Investor B wants to buy 15 shares at $10 a share (Bid price $10 x15). Since the bid price and ask price are different, no sale is made. Next Investor C comes along and wants to sell 5 shares at $14 (Ask price $14 x5). Still no sale. Investor D comes along and wants to buy 5 shares for $14 each. So a sale is finally made. At this point, the stock quote moves to $14. The ask price is $20 x10 and the bid price is $10 x15. No further trading will occur until another investor is willing to buy at $20 or sell at $10.  Another discussion of this topic is shown on this post.


See the following information: http://www.bogleheads.org/wiki/Treasury_Inflation_Protected_Security You can buy individual bonds or you can purchase many of them together as a mutual fund or ETF. These bonds are designed to keep pace with inflation.  Buying individual inflation-protected US government bonds is about as safe as you can get in the investment world. The mutual fund or ETF approach exposes you to interest rate risk - the fund's value can (and sometimes does) drop. Its value can also increase if interest rates fall.


">I did read your comment, and all the other ones that referred to me as ""he."" Believe it or not, the melodrama you see is imagined. I didn't write, for example, ""This stupid fucker doesn't realize I've got a vagina.""  >[...] but after actually typing my name ""Amy Hoy"" you still refer to me as a ""he""? Amy is a girl's name and my picture is obviously of a woman.   Hey, you blew a gasket at me for calling you a dude when I was fairly obviously not actually making that mistake.   If that doesn't seem like not reading and/or an overreaction, I don't know what would.    >I didn't write, for example, ""This stupid fucker doesn't realize I've got a vagina.""  Sure, that would be *more* of an overreaction, but it's also so far from accepted etiquette in /r/business specifically and reddit in general - that you didn't reply with something that would only be normal in YouTube comments  certainly doesn't make your actual reaction any *less* of an overreaction.    A polite ""hey, you referred to me as a dude a few times in there, wanna fix that?"" would have worked.    >The culture I'm complaining about is everywhere, not just in b-school.   This is the start of a rebuttal.  ""not just in b-school"" essentially translates to ""you said a thing, but that's not what I was talking about.""  If you want to agree or support something someone said, it's a good thing to actually do so - you had that idea just fine in your original writing, in discussing jwz's original post on the matter.    I'm sorry to come down so hard on you, but I feel it's pretty insulting to write an essay in support of a thing someone wrote, then have the author backhand you.    And then pretend they didn't when called on it."


"Here's what Suze Orman has to say about it: Good debt is money you borrow to purchase an asset, such as a home you can afford. History shows that home values generally rise in step with the inflation rate, so a mortgage is good debt. Student loans are, too, because they're an investment in the future. Census data pegs the average lifetime earnings of a high school graduate at a million dollars below that of someone with a bachelor's degree. Bad debt is money you borrow to buy a depreciating asset or to finance a ""want"" rather than a ""need."" A car is a depreciating asset; from the day you drive it off the lot, it starts losing value. Credit card balances or a home equity line of credit that's used to pay for indulgences—vacations, shopping, spa days—is bad debt."


"What do you think is a reasonable rate of return? A reasonable rate really breaks down into three things: opportunity cost, what you need, and risk appetite. Opportunity cost comes into play because whatever returns you make should at least exceed, after expenses, the next best option.  Typically the ""next best option"" is the risk free return you can get somewhere else, which is typically a savings account or some other (safe) investment vehicle (e.g. a guaranteed investment certificate/GIC, bonds, etc).  But, this opportunity cost could also be an alternative investment (e.g. an index ETF), which is not necessarily risk free (but it may represent the next best option). Risk appetite comes down to the amount of risk you are willing to take on any investment, and is completely subjective.  This is typically ""how much can you sleep with losing"" amount. What you need is the most subjective element.  All things being equal (e.g. identical risk profiles, access to same next-best-thing to invest in), if your cost of living expenses are only expected to go up 2% per year, but mine are expected to go up 3% per year, then my reasonable rate of return must exceed 3%, but yours must only exceed 2%. That said, an appropriate return is whatever works for you, period.  Nobody can tell you otherwise. For your own investing, what you can do is measure yourself against a benchmark.  E.g. if your benchmark is the S&P 500, then the S&P 500 SPDR ETF is your opportunity cost (e.g. what you would have made if you didn't do your own investing).   In that way, you are guaranteed the market return (caveat: the market return is not guaranteed to be positive). As an aside.. Don't ever, ever, ever let someone else handle your money, unless you want somebody else have your money. There is nothing wrong with letting someone else handle your money, provided you can live with the triple constraint above.  Investing takes time and effort, and time and effort equals opportunity.  If you can do something better with the time and effort you would spend to do your own investing, then by all means, do it.  Think about it: if you have to spend 1 day a month managing your own investments, but that day costs you $100 in foregone income (e.g. you are a sole proprietor, so every day is a working day), that is $1,200 per year.  But if you can find an investment advisor who will manage your books for you, and costs you only $500 per year, what is the better investment?  If you do it yourself, you are losing $1,200.  If you pay someone, you are losing $500.  Clearly, it is cheaper to outsource. Despite what everyone says, not everyone can be an investor.  Not everyone wants to live with the psychological, emotional, and mental effort of looking up stocks, buying them, and then second guessing themselves; they are more than happy to pay someone to do that (which also lets them point the finger at that person later, if things go sideways)."


If you are going by who lost the most wealth, that hardly seems fair - because most people in their 20s dont have any wealth to lose.  I won't buy the premise that Gen X has it worse than Y/Millenials.  People who are graduating and can't find jobs end up with terrible prospects.  They may never be able to climb the professional ladder ever [as long as entry level positions all require experience].   Whereas someone in Gen X that loses a job, atleast they have years of experience to help them get another job.


What?  They don't need to improve on shit, their ThinkPad line is amazing.  They are already the best laptops on the market, hands-down.  Using one right now, over 2 years old and flawless.    Plus, the little red dots are called *nipples*.  My laptop has a *nipple*.  Hehehehehe.


Assuming constant velocity, inflation is caused by the difference between the growth in the money supply and growth in real output. In other words, this means that the money supply growing faster than output is expanding causes inflation to arise.


Even people who did think it was a good didn't really get screwed. If you are an investor who thinks Facebook is a good buy then fucking hold it. The company hasn't even released its first quarter of earnings yet. If the people who bought Facebook are right about it it will be worth it in five years. The fact is we cannot say whether or not that is going to happen right now.   The only people who really got screwed are the ones who wanted to flip it. If you wanted to flip it you lost a lot of money, but the retail investors who figured that Facebook long-term was worth the money, didn't get screwed. They might be wrong and might lose all their money five years from now, but they didn't get screwed yet.


I work in finance so I like it. Although, many businesses are having their employees read it. My friends dad is the CEO of a metals company and he had his 100+ people at corporate all read it. Seemed to do well. All about perception I guess.


"You should contact the company and the broker about the ownership. Do you remember ever selling your position? When you look back at your tax returns/1099-B forms - can you identify the sale? It should have been reported to you, and you should have reported it to the IRS. If not - then you're probably still the owner. As to K-1 - the income reported doesn't have to be distributed to you. Partnership is a pass-through entity, and cannot ""accumulate"" earnings for tax purposes, everything is deemed distributed. If, however, it is not actually distributed - you're still taxed on the income, but it is added to your basis in the partnership and you get the tax ""back"" when you sell your position. However, you pay income tax on the income based on the kind of the income, and on the sale - at capital gains rates. So the amounts added to your position will reduce your capital gains tax, but may be taxed at ordinary rates. Get a professional advice on the issue and what to do next, talk to a EA/CPA licensed in New York."


I guess you could argue either way. I think the key point is that otherwise perfectly qualified people are not considered because of drug use. Personally, I disagree with drug tests (especially pee tests which only prove that you used drugs in the past, not that you showed up high). What you do on your own time should not matter, IMO.


I'm a farmer and it'll be interesting to see what impact this has on the fresh aisle. A lot of farmers get into the organic market because the margins are better than conventional, but the costs AND risks are a lot higher.   If the hit is solely on the Whole Foods/store side, it'll all be fine. But if they come back to the growers that [typically see less than 10% of the dollar spent at the grocery store anyway](https://www.ers.usda.gov/webdocs/charts/58353/food-prices_fig03.png?v=42835), it'll be interesting to see who is willing to stick it out in the organic sector.


"If Target extended this offer and the customers took them up on the offer, then how is this ""getting away with anything""?  Just because it sounds too good to be true doesn't mean it's unethical. To me it just sounds like Target made a really generous offer."


"It's a status symbol, but that status isn't about money. It's about virtue signaling, and showing that you ""care"" about the environment. It's the same reason that the Prius didn't sell as well until after it was given a distinctive look, and why nondescript electric versions of Honda's and others don't have similar market share, even when they outperform more visible competitors."


also it is fungible, if I'm using the right term - an important property of a currency - meaning it's easy to change into other forms. (you can melt it and make bigger, smaller, or different shaped things).


If you want to see a more academic version of this look up Weighted Average Cost of Capital (WACC).   It's a formula that tells you how much it costs for a company to raise $1 of capital whether it be through issuing bonds or stocks.   One thing you learn is that there are times that if you take on loans (even if you don't need it) you can raise shareholder value and therefore the total company netvalue. The thought process is (as it states in the article above) that a company can issue debt for cheaper than issue shares and it will have extra cash which it can use to get a better return than its net effective interest rate.   I tried to give an example but I only ended up rehashing what it says in the article. Anyhow look up WACC and you'll understand the fundamentals.


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But 50% of the population doesn't support Trump. If you go by the vote, approximately 50% of the US population doesn't vote. About half of the voting population supported Trump, so you're talking about 1/4 of the population. And SINCE the election, Trump's approval ratings having plummeted, so realistically, you're alienating a minority of the US population.


Hah . .hah . . we finally shemeckled the shemeckles  The Israeli's were the first to buy these pieces of Junk, well I guess they could always drive them over unarmed civilians and poke them with the pointy noses, on the planes, I mean


"In Europe in most of the countries there is also a thing called ACH. In UK there is a thing called BACS and in other countires there are other things. Essentially every country has what is called a ""Low value Net Settlement System"" that is used to transfer funds between accounts of different banks. In US there is rounting number, in UK there is a Sort Code, in Indonesia there is a sort code. Essentially a Bank Identifier that is issued by the Governing body within respective countires.   Certian identifiers like SWIFT BIC [Bank Identification Code] are Unique across world."


I'll add this to what the other answers said: if you are a renter now, and the real estate you want to buy is a house to live in, then it may be worth it - in a currency devaluation, rent may increase faster than your income.  If you pay cash for the home, you also have the added benefit of considerably reducing your monthly housing costs. This makes you more resilient to whatever the future may throw at you - a lower paying job, for instance, or high inflation that eats away at the value of your income.  If you get a mortgage, then make sure to get a fixed interest rate. In this case, it protects you somewhat from high inflation because your mortgage payment stays the same, while what you would have had to pay in rent keeps going up an up. In both cases there is also taxes and insurance, of course. And those would go up with inflation.  Finally, do make sure to purchase sensibly. A good rule of thumb on how much you can afford to pay for a home is 2.5x - 3.5x your annual income. I do realize that there are some areas where it's common for people to buy homes at a far greater multiple, but that doesn't mean it's a sensible thing to do.  Also: I'll second what @sheegaon said; if you're really worried about the euro collapsing, it might give you some peace of mind to move some money into UK Gilts or US Treasuries. Just keep in mind that currencies do move against each other, so you'd see the euro value of those investments fluctuate all the time.


Not really.  Human nature involves killing each other for profit.  Sure, their minds sanitize the act with beliefs that rationalize their behavior but the reality is that if a person can convince themselves that the other person deserved to die so they could benefit, they'll do it.


Tourism is down and we’re slated to lose 2 billion in the industry overall this year thanks to Trumps travel ban.  We don’t have many tourists from those countries either, but the rest of the world looks at us, sees what we’re doing and is freaked the fuck out.    Canada has universities that are hugely benefitting.  Students don’t want to go to a country where they think they will be unwelcome.  Smart people from India and China look at Trump and they make the decision that serves their interests the best.  Canada is more welcoming and it doesn’t have nearly the same level racial discomfort that Trump has brought.  We also get people from Japan and Korea and they hate Trump because of the tensions he has created in the region.  They feel like pawns.  We also get a lot of smart people from Latin America and it goes without saying that Latinos are scared of the atmosphere he has created.  He is fucking shit up big time when it comes to immigration.  He is making the U.S. a less desirable place to go, and it’s impacting our ability to recruit talent from around the world.  That doesn’t even begin to delve into his overall anti science policies.  He’s an epic disaster.


You are misunderstanding what makes the price of a stock go up and down. Every time you sell a share of a stock, there is someone else that buys the stock.  So it is not accurate to say that stock prices go down when large amounts of the stock are sold, and up when large amounts of the stock are bought.  Every day, the amount of shares of a stock that are bought and sold are equal to each other, because in order to sell a share of stock, someone has to buy it. Let me try to explain what actually happens to the price of a stock when you want to sell it. Let's say that a particular stock is listed on the ticker at $100 a share currently.  All this means is that the last transaction that took place was for $100; someone sold their share to a buyer for $100. Now let's say that you have a share of the stock you'd like to sell.  You are hoping to get $100 for your share.  There are 2 other people that also have a share that they want to sell.  However, there is only 1 person that wants to buy a share of stock, and he only wants to pay $99 for a share.  If none of you wants to sell lower than $100, then no shares get sold.  But if one of you agrees to sell at $99, then the sale takes place.  The ticker value of the stock is now $99 instead of $100. Now let's say that there are 3 new people that have decided they want to buy a share of the stock.  They'd like to buy at $99, but you and the other person left with a share want to sell at $100.  Either one of the sellers will come down to $99 or one of the buyers will go up to $100.  This process will continue until everyone that wants to sell a share has sold, and everyone who wants to buy a share has bought.  In general, though, when there are more people that want to sell than buy, the price goes down, and when there are more people that want to buy than sell, the price goes up. To answer your question, if your selling of the stock had caused the price to go down, it means that you would have gotten less money for your stock than if it had not gone down.  Likewise, if your buying the stock had caused it to go up, it just means that it would have cost you more to buy the stock.  It is just as likely that you would lose money doing this, rather than gain money.


The problem is that they all want a lucrative lifetime job just for the asking with no more experience than a high school education, if that, like they could get in the heyday of coal. Telling them that they need to get an education to learn a new technology so they can compete for a merely OK job makes them mad.


The biggest reason to protect your credit card number is for your personal convenience. Replacing cards, even if there is no immediate dollar-consequence, is time consuming, so there IS a cost unless you do not assign value to your time. Additionally, repeated fraud may cause your financial institution to decide you're an above-average fraud risk and close your account. This costs more time and credit checks, etc., to apply for a new card.


Hard work is not eliminated when the rule of law exists. You're presenting a false dichotomy of either allowing people to force companies to pay them more, or not having hard work.  >Unions are legal so forming one isn't going against the rule of law,  I didn't state they were illegal. I stated that Walmart should fire them.  >if they weren't we would of never have gotten the things we enjoy today as workers like the 8 hour day and the ban on child labor.  Absolute nonsense. The prevalence of child labor was decreasing long before any law was created prohibiting it. Child labor is necessary in poor countries because people are far less productive per hour worked. As productivity increases, parents can afford to send their children off to school instead of working, since their own work is enough to support the family.  Child labor is something that needs to disappear on its own, in response to changing economic conditions. If you introduced a law prohibiting child labor in a poor country like Cambodia right now, it would lead to widespread hardship and an increase in mortality.  In other words, no government mandate created due to union-pressure can possibly lead to beneficial change, since laws that limit people's economic rights, under the assumption that 51% knows what's better for the minority than they themselves do, generally do much more harm than good.


"Your ignorance of global finance and business is showing through.  >Nothing ""conspiratorial"" - just standard tax optimization scheme as shown by  Google & Apple.  The tech industry is fundamentally different from retailing.  That you can't see this is mind boggling.  There is nothing ""standard"" about the tax optimization schemes done by Apple and Google that can be copied by grocers.  Apple and Google have vast international operations with revenue coming from multiple countries.  They are asset light and have very high profit margins.  Grocery stores have very small / negligible international operations and are asset heavy.  Try also have very low profit margins.  >From the point of supply and demand, they are actually overpaid - lots of desperate people that agree to the barest minimum allowed by law (and below that, if you include illegal aliens). Still doesn't mean they are paying the living wage.  Mentioning living wages in an argument about supply and demand tips off that you have no clue what you are talking about.  Living wage is irrelevant to the supply and demand for labor.  What you call ""desperation"" for a job dismissed many of the perfectly logical reasons why somebody may choose to work for a low wage.  You assume that the equilibrium wage for grocery store workers is below the minimum wage - falsely.  Walmart workers make more than minimum wage, on average, before benefits are taken into account.  Illegal aliens can't do most grocery store jobs because (1) they can't speak English, and (2) they probably can't do the math needed to be a cashier.  Teenagers (the vast majority of minimum wage workers) are increasingly choosing not to work.  The supply of people that are able to do these types of jobs is probably not much bigger than it is already.  >20% are imported.  And they don't have to set up a ""supply chain"" - just the bare minimum to legally siphon funds into another company they own, be it via interest on credit, rent, intellectual property (i.e. franchise or trademark payments) or anything else.  This is laughable, do you really believe this?  Grocery stores have absolutely MASSIVE supply chain risk.  Arguably their entire value proposition is in supply chain.  You seem to think there's an evil cabal moving money around to screw people over.  This is left wing bullshit conspiracy stuff.  You sound like a left wing version of Alex Jones.  Show me clear evidence that a grocer is doing this, including references in their actual financial statements."


"Whole Foods has been taking a beating. It used to be **the** go-to place for ""healthier"" products and it positioned itself as an elite brand. But now most supermarkets offer much greater healthier selections, often at cheaper prices. Trader Joe's is expanding and stores like Costco offer the opportunity to buy everything at once, whereas WF is limited in its non-food/non-healthcare products. Their targeted market, yuppies with disposable income, are all flocking to these competitors.   I feel like WF is the type of place you go now just to pick up a few things or perhaps one certain item that isn't carried elsewhere. To me, it is a dying brand, so to hear it called undervalued is somewhat funny."


You obviously have no clue what's being done to the post office.  Nobody is saying they shouldn't fund their retirement, just that they shouldn't fund it for people who will retire in the year 2090...in 2014.  Go read up on it, then come back and make actual contributions to the discussion.


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Except in the EU where you can in fact sell your software licence on.   This case is interesting for us here in Europe as we already have legal precedent that this transaction is allowed, although not specifically about digital media.  What I am not as clear about is if they lose the case in US can they trade here still?


Social media advertising and marketing is one of the famous methods of advertising your products, as we see a whole lot of people logging into social media sites on a normal basis. Search engine takes the most amount of hits in terms of net searching in comparison to any other platform like EMAIL advertising, Marketing agency for startups and so forth. As humans look ahead to looking or recognise about exclusive products and services in any of the search engines like google, expert search engine optimization services tends to promote with the help of keywords on a everyday basis to draw users from distinctive part of the sector to visit your internet site.


Other metrics like Price/Book Value or Price/Sales can be used to determine if a company has above average valuations and would be classified as growth or below average valuations and be classified as value. Fama and French's 3 Factor model would be one example that was studied a great deal using an inverse of Price/Book I believe.


"For a job doing that kind of stuff, what is PREFERRED is 4 year undergrad at ivy league school + 2 year MBA at ivy league school, and then several more years of experience, which you can sort of get by interning while in school this will of course saddle you with debt, which is counterintuitive to your plans basically, the easy way up is percentage based compensation. without knowing the right people, you will get a piss poor salary regardless of what you do, in the beginning. so portfolio managers earn money by percentage based fees, and can manage millions and billions. real estate agents can earn money by percentage based commissions if they close a property and other business venture/owners can do the same thing. the problem with ""how to trade"" books is that they are outdated by the time they are published. so you should just stick with literature that teaches a fundamental knowledge of the products you want to trade/make money from. ultimately regardless of how you get/earn your initial capital, you will still need to be an individual investor to grow your own capital. this has nothing to do with being a portfolio manager, even highly paid individuals on wall street are in debt to lavish expenditures and have zero capital for their own investments. hope this helps, you really need to be thinking in a certain way to just quickly deduce good ideas from bad ideas"


Yeah, I'm a non-secular living in an Othordox area in Queens and it's BAD. They do not respect people walking on sideways either (Men or Woman) when they walk 3 adults + 2 children wide. They don't make a good name for their sect.


If you find a particular stock to be overvalued at $200 for example and a reasonable value at $175, you can place a limit order at the price you want to pay. If/when the stock price falls to your desired purchase price, the transaction takes place. Your broker can explain how long a limit order can stay open. This method allows you to take advantage of flash crashes when some savvy stock trader decides to game the market. This tactic works better with more volatile or low-volume stocks. If it works for an S&P500 tracking ETF, you have bigger problems. :) Another tactic is to put money into your brokerage cash account on a regular basis and buy those expensive stocks & funds when you have accumulated enough money to do so. This money won't earn you any interest while it sits in the cash account, but it's there, ready to be deployed at a moment's notice when you have enough to purchase those expensive assets.


The rules are complex. See How to Deduct IRA Losses, at Smart Money.  You must liquidate the entire account (bad) and the loss is subject to the amount exceeding 2% of your AGI. If you are subject to AMT, you may lose any or all of that remaining amount.


Depending on your income/savings level and who you work for (if you work for a big company check with an HSBC Premier advisor, they may waive the requirements), you may qualify for an HSBC Premier account, which can allow you to open accounts in different countries and transfer money between them without a fee. You can also get a Premier account without meeting the requirements if you are willing to pay a monthly fee, but I doubt that will be worth it in the long run for what you need (worth doing the math though if you travel frequently).  NOTE: There may be similar offerings from other banks, but this is just the only one I'm aware of.


Having more money than you know what to do with is a good problem to have. :) Congratulations on your early retirement! I'd say this is a good time to start learning about investing, because nobody will look after your money as well as you will. Fund managers and financial advisers may mean well, but they are just salespeople, paid commissions to promote their employers' products. Not that there's anything wrong with that; it's just that their interests are not aligned with yours. They get paid the same, whether you make or lose money. If you want to live off your investments you must invest in your financial education.


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A good way to measure the performance of your investments is over the long term. 25-30% returns are easy to get! It's not going to be 25-30% in a single year, though. You shouldn't expect more than about 4% real (inflation-adjusted) return per year, on average, over the long term, unless you have reason to believe that you're doing a better job of predicting the market than the intellectual and investment might of Wall Street - which is possible, but hard. (Pro tip: It's actually quite easy to outdo the market at large over the short term just by getting lucky or investing in risky askets in a good year. Earning this sort of return consistently over many years, though, is stupidly hard. Usually you'll wipe out your gains several years into the process, instead.) The stock market fluctuates like crazy, which is why they tell you not to invest any money you're likely to need sooner than about 5 years out and you switch your portfolio from stocks to bonds as you approach and enter retirement. The traditional benchmark for comparison, as others have mentioned, is the rate of return (including dividends) from the Standard and Poors 500 Index. These are large stable companies which make up the core of larger United States business. (Most people supplement these with some smaller companies and overseas companies as a part of the portfolio.)


"There are certain allowable reasons to withdraw money from a 401K.  The desire to free your money from a ""bad"" plan is not one of them.   A rollover is a special type of withdrawal that is only available after one leaves their current employer.  So as long as you stay with your current company, you cannot rollover.  [Exception: if you are over age  59.5] One option is to talk to HR, see if they can get a expansion of offerings.  You might have some suggestions for mutual funds that you would like to see.  The smaller the company the more likely you will have success here.  That being said, there is some research to support having few choices.  Too many choices intimidates people. It's quite popular to have ""target funds""  That is funds that target a certain retirement year.  Being that I will be 50 in 2016, I should invest in either a 2030 or 2035 fund.  These are a collection of funds that rebalances the investment as they age.  The closer one gets to retirement the more goes into bonds and less into stocks.   However, I think such rebalancing is not as smart as the experts say.  IMHO is almost always better off heavily invested in equity funds.  So this becomes a second option.  Invest in a Target fund that is meant for younger people.  In my case I would put into a 2060 or even 2065 target. As JoeTaxpayer pointed out, even in a plan that has high fees and poor choices one is often better off contributing up to the match.  Then one would go outside and contribute to an individual ROTH or IRA (income restrictions may apply), then back into the 401K until the desired amount is invested.   You could always move on to a different employer and ask some really good questions about their 401K.  Which leads me back to talking with HR.  With the current technology shortage, making a few tweaks to the 401K, is a very cheap way to make their employees happy. If you can score a 1099 contracting gig, you can do a SEP which allows up to a whopping 53K per year.  No match but with typically higher pay, sometimes overtime, and a high contribution limit you can easily make up for it."


You're spot on for Whole Foods. This is a great step for them, and for Amazon. I've spoken with coworkers across my company that have been severely disappointed in the past with the Amazon grocery development. I see this as a easy way for Amazon to enter brick-and-mortar, compete in a more tangible way with other grocery chains, and still be Amazon.   Ultimately, Whole Foods/Amazon does not equivocally mean better prices from farm marketers. Grain, pork, corn, beef, salt prices are going to if anything lower for farmers for larger profits as the marketers have not changed. Monsanto, ADM, Cargill, are still big players that are all in talks with to make this merger sustainable for Amazon and Whole Foods. That supply chain remains until Amazon moves into a rather deeper market.


> The best country is only 10% better...  No, the US is average to below average. Your calculation assumes a baseline of 0 but that isn't the case.  For math we scored 487.  The top score is 600 and the bottom is 331.  That puts us in the 58th percentile in the full range.  Don't feel bad.  You probably went to an American school.


"After much research, the answer is ""a"": recompute the tax return using the installment sales method because (1) the escrow payment was subject to ""substantial restrictions"" by virtue of the escrow being structured to pay buyer's indemnification claims and (2) the taxpayer did not correctly elect out of the installment method by reporting the entire gain including the escrow payments on the return in the year of the transaction."


"A simple pyramid scheme, where the person at the top gets their pay out from the people at the bottom (the new participants), has two important characteristics: For instance, take a look at this scheme, where the number of new participants to be recruited is 6:  Let's say you get in pretty high up, at the third level. Also, let's assume it only has three levels, so you pay the person on level one, who is then retired from the pyramid. The person above you, who recruited you, gets paid out by the people you recruit, and you get paid out by the people your recruits themselves recruit. As far as pyramid schemes go, that's fantastic. Usually the number of recruits and the number of levels between top and bottom (between paying to get in and getting paid out yourself) are both larger. Also, you got in at the beginning, at level 3 overall. But even here, there need to be over 7,500 participants in the scheme, before you get your pay out. And you got in early! Had you gotten in only one level later, or would the number of levels between top and bottom be one more, as you can see, the number of participants needed for you to get your pay out increases drastically. (...) they brag about income being ""unlimited"" in theory since you could be on the bottom and still bring in enough people to make a satisfactory income (...) No. This is not true. The pool of people who are willing to participate will be exhausted pretty quick."


"I don't follow the numbers in your example, but the fundamental question you're asking is, ""If I can borrow money for a low cost, and if I think I can invest it and receive returns greater than that cost, should I do it?"" It doesn't matter where that money comes from, a mortgage that's bigger than it needs to be, a credit card teaser rate, or a margin line from your stock broker. The answer is ""maybe"" - depending on the certainty you have about the returns you'd receive on your investments and your tolerance for risk. Only you can answer that question for yourself. If you make less than your mortgage rates on the investments, you'll wish you hadn't! As an aside, I don't know anything about Belgian tax law, but in US tax law, your deductions can be limited to the actual value of the home. Your law may be similar and thus increase the effective mortgage interest rate."


I still have a feeling this company is in deep trouble. All signs point towards Google taking them to the cleaners over Waymo IP theft, not to mention the scandalous company culture.   If Google teams up fill throttle with Lyft, I think it's over.


Pete, 25 years of inflation looks like 100% to me with back of napkin math. $220K will feel like $110K. In today's dollars, can you live on $110K?  (Plus whatever Social Security you'll get)? My concern from what you wrote, if I'm reading it correctly, is that you have this great income, but relatively low savings until now.  From the recent question Building financial independence I offered a guide to savings as it compares to income.  Even shifted 5 years for a later start, and scaled for a 70-75% replacement ratio, you should be at 2X (or $440K) by now. That's not a criticism, but an observation that you've been spending at a nice clip so far. The result is less saving, of course, but also a need for a higher replacement ratio.  Last, a 10% return for the next 25 years may be optimistic. I'm not forecasting doom or gloom, just a more reasonable rate of return, and wouldn't plan to see higher than 7-8% for purposes of planning. If I am wrong, (and if so, we can both laugh all the way to the bank) you can always scale back savings in 10-15 years. Or retire earlier.  Note: Pete's question asks about a 40 year old working till 65, but the comment below has him 48 and planning to work until 62. 14 years of $45K deposits total less than $700K. Even at 10%, it wouldn't grow to much more than $2M, let alone $5M.


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"The Cash Credit from Unsettled Activity occurs because AGG issued a dividend in the past week. Since you purchased the ETF long enough before the record date (June 5, 2013) for that trade to settle, you qualified for a dividend. The dividend distribution was $0.195217/share for each of your six shares, for a total credit of $1.17 = 6 * 0.195217. For any ETF, the company's website should tell you when dividends are issued, usually under a section titled ""Distributions"" or something similar. If you look in your Fidelity account's History page, it should show an entry of ""Dividend Received"", which confirms that the cash credit is coming from a dividend distribution. You could look up your holdings and see which one(s) recently issued a dividend; in this case, it was AGG."


Yes, but most/many people will not realize how small hardcover books sales are in proportion. Then they throw in some hype about how this is a landmark in ebook sales etc.. and there you go.   The article has a clear agenda. There has been a lot of focus on ebook vs print and this tries to pull the wool over your eyes by leaving out relevant information.


Your title question, Who could afford a higher premium who couldn't afford a higher monthly payment?, contrasts premium with monthly payment, but those are the same thing.  In the body of your question, you list monthly payment and deductible, which is entirely different. The deductible is paid only if you need that much medical care in any one year.  Most years a person in good health pays little because of the deductible.  Thus, the higher deductible options offer catastrophic health insurance without giving much in the way of reimbursement for regular medical expenses. Note - the original question has been edited since.


I recommend using Morning Brew. They email you a free daily newsletter with the top financial news stories and earnings events. I have subscribed to the Wall Street Journal and Financial Times before. Morning Brew basically covers all of the headlines you would see on those sites.


">The odd thing about primary school education (that I hear from talking to teachers) is that the materials used in the classroom are all bought under some sort of district wide (or even state wide, in the case of texas) decision for which program to use.  It didn't used to be that way, but yes, that is pretty much how it is done these days... basically ""central planning"" and ""one size fits all"" as I said.  >For reading they generally include a set of books (or single book) with a sequence of things to be taught. Teacher's who've been teaching for a long time will know which series has useful properties for teaching the material. They might refer to them by names, but it really just comes down to a set of materials and sequence of introducing material.   And of course none of that really has ANYTHING to do with actual ""reading"".  >When one teacher says to another ""I used $X to supplement the required $Y"" it'd be like a software engineer saying ""I used a hash map instead of a map for that case because it had better performance for the use case"" - there's a fair amount of baggage in the statement, but another software engineer would understand the differences and know what tradeoffs were being made.  No. That's a rather poor analogy.  A better analogy would be: ""We used to use SAP, but then we got bought out by XYZ corporation, and now we have to build everything around Oracle."" (And the reality is that both choices are crap.)  >As to the ""Master's in Reading"" - there's a lot of goofy degrees offered through the Education departments at state schools. A large part of it is because the union pay scales include things like education level. They tend to be equivalent to any terminal masters program you'd find in other subjects - including MBA. ""Take these classes - part time and summers over the next 3 years, and if you pass them all, we give you a piece of paper that says ""Masters of Education - Reading"" or similar. It comes down to something like 45 credit hours with a focus on something.  It's also a result of the ""requirement for continuing education"" to maintain Teaching licenses/certifications.  And yeah, it has created a lot of ""Underwater Basket Weaving Experts"" -- the problem is that they ACTUALLY *SINCERELY* BELIEVE that they have some significant ""expertise""... even though it can *not* be shown in their results (if it could, they would be ""all about"" merit pay).  >I actually doubt that. It's going to come down to the sets of materials they have available for teaching. Some work, some don't. The structure of the system discourages improvisation, unfortunately, and the teachers often feel that they have their hands tied.  Young, beginning teachers feel they have their hands tied -- those types either leave teaching, or they succumb to the system.  The teacher in question (with the ""Masters"" in ""Reading"") succumbed to the system long, long ago.  And that teacher's whole concern was really just a ""brand X"" versus ""brand Y"" thing -- the teacher knows ""brand X"" and so can (and probably does) ""teach"" it while half-asleep.  Most long tenure teachers tend to get in a comfortable ""rut"" -- comfortable in no small because it is not only familiar, but also because it then requires little work to update their curricula or prepare anything new -- disrupting that (i.e. switching from ""brand X"" to ""brand Y"" is therefore nearly always met with either opposition or grumbling & grudging compliance).  **It is INDEED ""the system"", but one must keep in mind that it is the ""teachers"" (collectively, in aggregate over time) that have essentially created that system.**"


">Just came across this Economist article, they make it sound quite straight forward and I don't think they can be called totalitarian leftists by any stretch.  Yes they point out that the US corporate tax is horribly punitive and forces companies to spend insane amounts of money to lower their tax rates to globally competitive levels; that the tax rate is ridiculously and punitively high (though SOME companies have been able to lower their taxes far below the statutory rate) and that the global taxation of income is an insanely punitive totalitarian practice, that no other G-7 country would dare try to put in place.  >It seems clear that the 35% rate is not the driving reason for these huge companies doing inversions.  Then what is causing them? Are they spending billions of dollars on overseas inversion driven acquisitions just to throw the money away?   No the reason, as is simply laid out in your quote is the extremely high tax rate and the global taxation of income. The companies that pay closest to the statutory rate are the ones most desperate to leave.  Summary: some companies pay less than the average rate, some pay more. The ones paying at the highest level on earth on all their global income, are desperate to leave this greedy corrupt government behind. If the US government wants to treat them so poorly, I commend these executives for saying fuck off back to the politicians. Hopefully, one day politicians will see this and put in a fair and competitive corporate tax system, or zero out the corporate tax and recover the lost revenue from rich capital owners as they should.  >but I just don't want to hear the silly argument of ""oh our poor mega corporations are having to pay the highest taxes in the world!"" when the tax environment in the US is clearly rigged in their favor.   Many large US companies do pay the highest tax rates in the world while some pay very little. Guess who is doing everything they can to leave behind our wretched greedy government: the ones with the high tax rates. The companies desperate for inversion deals aren't the ones paying zero taxes.  >Small and mid sized companies that can't afford their own Congressman sure are getting fucked though, and that makes me sad.  Most small companies don't pay any corporate taxes as they aren't organized as C corps."


"But I don't see how it's any different than buying a stock at a low price and holding on to it for some months. Based on your question, I would say the difference is time. Day trading by its nature is a 6-hour endeavor. If you buy low and are planning to sell high, then you only have a few hours to make this happen. As a previous poster mentioned, there is a lot of ""white noise"" that occurs on a weekly/daily/hourly/min basis. Long-term investors have the time to wait it out. Although, as a side note, if you were a buy-and-hold investor from the 1960s-early 1980s, then buy and hold was not very good. Is it just the psychological/addictive aspect of it? This is the biggest reason. Day trading is stressful and stress can cause financially destructive decisions such as over-leveraging, over-trading, etc. Why is day trading stressful? Because you are managing hundreds to thousands of trades a year. When combined with the lack of time in a day to make moves, it becomes stressful. Also, many day traders do it full time. Which adds to the pressure to be correct and to be incredible at money managment. A lot of buy-and-hold investors have full time jobs and may only check their positions every month or so."