I would advise to never cash out retirement funds unless you're actually retired, or in case of an extreme emergency. Not only because of the huge tax bill that you'd incur (as @Rick mentioned - in addition to your top bracket rate - add 10%), but also because you will never be able to recover from the loss. Your current retirement fund is the one that will compound the most. By the time you deposit the same amounts you're thinking of withdrawing now, the compound effect would have grown the original amount further. By the time you could catch up - it would compound further. You will never be able to repair the damage of early withdrawal at this stage. Consider this calculation (lets say you worked for 10 years out of 40 years of your career path, and have $1K to deposit a year, for ease of computation): Essentially, by withdrawing now, you'll reduce your retirement savings by about 50% in thirty years from now. How much is that 6% interest on your student loan? I seriously doubt its worth it.


What?    How do you lose by paying employees more?  You get the best employees, they are happier, lower turn over and more productive. This is not an example of the prisoner's dilemma at all.  If there were an advantage in paying more to employees, that advantage would be increased by your competitors not doing it.


"[ See Hopstar's comment : ](http://www.reddit.com/r/business/comments/ujwei/dont_mean_to_be_alarmist_but_the_tv_business_may/c4w52l9)  > They're an exception to all of this because they're owned by ""a joint venture of NBCUniversal (Comcast/General Electric), Fox Entertainment Group (News Corp) and Disney-ABC Television Group (The Walt Disney Company), with funding by Providence Equity Partners, the owner of Newport Television...""  > Even with the full support of three major conglomerates, the service is still gimped (delays in broadcasting new episodes, limited availability of past episodes/seasons) by their fear of change."


One more scenario is when the company already has maturing debt.  e.g Company took out a debt of 2 billion in 2010 and is maturing 2016. It has paid back say 500 million but has to pay back the debtors the remaining 1.5 billion. It will again go to the debt markets to fund this 1.5 billion maybe at better terms than the 2010 issue based on market conditions and its business. The debt is to keep the business running or grow it. The people issuing debt will do complete research before issuing the debt. It can always sell stock but that results in dilution and affects shareholders. Debt also affects shareholders but when interest rates are lower, companies tend to go to debt markets. Although sometimes they can just do a secondary and be done with it if the float is low.


There are a couple of ways to buy into a private company.  First, the company can use equity crowd funding (approved under the JOBS act, you don't need to be an accredited investor for this).   The offering can be within one state (i.e. Intrastate offerings) which don't have the same SEC regulations but will be governed by state law.   Small companies (small assets, under $1 million) can be made under Regulation D, Rule 504.  For assets under $5 million, there is Rule 505, which allows a limited number of non-accredited investors.  Unfortunately, there aren't a lot of 504 and 505 issues. Rule 506 issues are common, and it does allow a few non-accredited investors (I think 35), but non-accredited investors have to be given lots of disclosure, so often companies use a Rule 506 issue but only for accredited investors.


"Jeez - you want me to come over and read the articles to you as well?   >Ghana operates the National Health Insurance Scheme to provide citizens with health insurance. The level of premiums citizens must pay varies according to their level of income. Most medical facilities are run directly by the Ministry of Health or Ghana Health Service.[8]  >Rwanda operates a system of universal health insurance through the Ministry of Health called Mutuelle de Santé (Mutual Health), a system of community-based insurance where people pay premiums based on their income level into local health insurance funds, with the wealthiest paying the highest premiums and required to cover a small percentage of their medical expenses, while those at the lowest income levels are exempt from paying premiums and can still utilize the services of their local health fund. In 2012, this system insured all but 4% of the population.[11]  >Israel has a system of universal healthcare as set out by the 1995 National Health Insurance Law. The state is responsible for providing health services to all residents of the country, who can register with one of the four national health service funds. To be eligible, a citizen must pay a health insurance tax.  Now if you want to be nitpicky about whether income-based taxes levied on an individual for nation-wide healthcare counts as ""requiring a person to purchase insurance"" you can - but I think we both know that level of semantics is reserved for people who've said something stupid and now have to retreat into word games."


"This is the best tl;dr I could make, [original](https://news.azpm.org/p/news-articles/2017/8/9/115113-remittances-to-mexico-continue-growth-to-record-high/) reduced by 56%. (I'm a bot) ***** > MEXICO CITY - Remittances in Mexico have hit a record high, and the American economy and politics played a key role in the increase.  > He said remittances have been increasing in the past few years as the American economy continues to grow and Mexicans continue to migrate to the U.S. &quot;The job market in the U.S. has recovered from the unemployment rate generated by the 2007-2008 crisis. This has allowed Mexican immigrants to send more money to our country, not only nowadays, but in the past few years,&quot; de la Cruz said.  > &quot;Some immigrants are sending part of their savings in the U.S. to Mexico to avoid losing them in case they get deported; however, we need to keep in mind that remittances have been increasing since, at least, a year and a half,&quot; De la Cruz said.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6uralu/remittances_to_mexico_continue_growth_to_record/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~194663 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Remittances**^#1 **immigrants**^#2 **U.S.**^#3 **Mexican**^#4 **Cruz**^#5"


>OK, great, where do I apply for my refund?  An odd question, but I'll answer it if you really don't know.  Tax credits will only likely be a refund if you pay too much tax during the year, otherwise they will be reductions in your yearly tax bill.  In most countries, tax credits are awarded when paying taxes.  Assuming you are from the United States, that would likely be in April on your individual income tax form.  Tax credits can be earned for doing anything the government deems desirable or worthy of exception.  Examples include buying a first house, having children, starting or running a business, paying tuition, adopting a child,  caring for an elderly or disabled person, earning money overseas, paying certain types of medical insurance, and being married in addition to purchasing a zero emission or low emission vehicle.


"Great topic, as interest rate swaps are one of the most commonly used derivatives by bank. In the simplest form, an interest rate swap is an exchange of payments between two parties.   Say party A has a $100 loan with a fixed 4.25% interest rate, and party B also has a $100 loan with a variable rate, lets say prime plus 1% (prime is 3.25, so B is also paying 4.25%).   Party A thinks interest rates are going to go lower and wants to lower his interest expense, while party B is a small company and doesn't want to be exposed to variable interest rates and needs to have a steady cash flow to project his budget.  Party A and B agree to enter into an interest Rate swap for a notional amount of $100 where Party A agree to pay B prime plus 1% (fixed for floating) and party B agrees to pay A 4.25% (floating for fixed) for some period of time they agree upon (usually the maturity of the loan).  Now from the start, the swap has a market value of $0, since A and B both receive the same as they are paying. As interest rates move, the value of the swap moves. Say interest rates fall, and prime is now 2%. B still pays 4.25% to A (he agreed to pay a fixed 4.25% no matter what) and A only pays 3% (prime plus 1%) to B. Remember the terms of the individuals loans did not change, so A owes $4.25 to his bank and B owes $3 to his bank. Party A uses the $4.25 from B to pay his bank, and pays $3 to B. Party A has lowered his interest expense by $1.25 and his position is considered ""in-the-money"", which means he is benefitting from the transaction. Party B gets $3 from A but still owes his bank $4.25. In reality, the transaction nets out to B paying A $1.25, rather than both A and B paying each other different amounts. B is ""out-of-the-money"" because in aggregate he is paying A. The market value of the swap would be the present value of that $1.25 benefit A receives, discounted using expected future interest rates (the same number but negative is the value to B).  Please ask if you have additional questions or need clarifications."


The other thing to remember is seasonality.  Just because monthly rent is $900/month doesn't guarantee that you'll bring in $900/month.  Plenty of university towns have peak demand during the months of Aug/Sept when students are moving in, but you have to beg//plead//give discounted rent to keep units full during 'off-season' times.  Assuming vacancy during 3 months/year, your average monthly rent is only $675. ($900 * 9 / 12) This may change the economics of your investment.


I don't know about that particular program, but more often than training foreign doctors are US medical schools are simply hiring doctors trained in foreign medical schools. Unlike most disciplines, the AMA controls the number of medical students admitted each year to medical colleges. This keeps the supply of doctors down, unlike, say, paw school or MBA programs, where there could be more supply than demand. The lack of demand keeps the wages high for doctors, but the alleged reason for restricting student numbers is higher quality. As far as giving the limited seats to immigrants, it doesn't affect supply. Hiring foreign trained doctors who pass the USMLE does affect supply; that is an example of using immigrant labor to increase worker supply and drive down wages.


I would suggest you to put your money in an FD for a year, and as soon as you get paid the interest, start investing that interest in a SIP(Systematic investment plan). This is your safest option but it will not give you a lot of returns. But  I can guarantee that you will not lose your capital(Unless the economy fails as a whole, which is unlikely).  For example: - you have 500000 rupees. If you put it in a fixed deposit for 1 year, you earn 46500 in interest(At 9% compounded quarterly). With this interest you can invest Rs.3875(46500/12) every month in an SIP for 12 months and also renew your FD, so that you can keep earning that interest.So at the end of 10 years, you will have 5 lacs in your FD and Rs. 4,18,500 in your SIP(Good funds usually make 13-16 % a year). Assuming your fund gives you 14%, you make: -  1.) 46500 at 14% for 9 years - 1,51,215 2.)8 years - 1,32,645 3.) 7 years - 1,16,355 4.) 6 years - 1,02,066 5.) 5 years - 89,531 6.) 4 years - 78,536 7.) 3 years - 68891 8.) 2 years 60,431 9.) 1 year - 53010 Total Maturity Value on SIP = Rs, 8,52,680 Principal on FD =      Rs 5,00,000 Interest earned on 10th year = Rs. 46,500 Total = Rs. 13,99,180(14 lacs). Please note: - Interest rates and rate of return on funds may vary. This figure can only be assumed if these rates stay the same.:). Cheers!


If you can't muster up the fortitude to tell him you don't want this to be a partnership, you'll never succeed at having your own business.  Be firm but kind, and use it as a litmus test for how well you can make firm decisive action.


I highly recommend passive investing through something like betterment (www.betterment.com) or vanguard's ETFs.  FutureAdvisor.com can provide some good advice as to what funds to invest in. I'd recommend using that money to max out your Roth IRAs each year, too.


The options market seems to disagree...  While the implied volatility is greater than the historical volatility.. At 23% the implied isn't much higher than the past implied-vol. I'll trust the market over the stock-twits chairman.  http://www.cboe.com/framed/IVolframed.aspx?content=http%3a%2f%2fcboe.ivolatility.com%2foptions.j%3fcontract%3dC0F1D96A-D9C7-49D2-8941-45DC1B0E0B0F&sectionName=SEC_TRADING_TOOLS&title=CBOE%20-%20IVolatility%20Services  ... that being said -- I (like everyone and their sister) think we break 100 and move hard to 104-105.


Look at the basic cost of the lease.  Option 1: keep the car for three years. Pay for repairs during that time then sell it for $7,000. Option 2: Sell the current car for $10,000. Lease a new car for three years. Assume no need for repairs during those three years. At the end of the three years return the car in return for $0. Cost of option 1 is $3000 plus repairs.  Cost of Option 2 is 36 months x monthly lease cost. The first $83 of the monthly lease cost is to cover the $3000 fixed cost of option 1. The rest of the monthly lease cost is to cover the cost of repairs. Also remember that some leases have a initial down payment due at signing, and penalties for condition, and excess mileage. The lease company may also require a higher level of insurance for the lease to cover their investment if you have an accident.  Plus If you fall in love with a different car two year from now, or your needs change you are locked in until the end of the lease period.


"Assuming United States; rules may be wildly different elsewhere... The ""family loan"" trick essentially lets you amortize a gift over multiple years of gift allowance and hopefully dodge gift tax, at the cost of having to pay income tax on the interest you must charge on the loan. The main advantage is that it lets you transfer all the money up front, rather than in $17,000-a-year-per-person-per-person chunks. Let's take the normal case first. Any one person can give any one person up to a specified amount (currently $17k, I believe,) without incurring gift tax. Note that this is counted per person, not per household; you and your spouse could each give $17k per year to each of your son and his spouse under this rule, adding up to $68k per year total.  The family loan dodge consists of making them a loan of the money at the mandated minimum interest rate to make it a legal loan (something like 0.3% APR last time I looked), setting the repayment schedule so their payments each year including interest come out to less than you can gift them with tax-free, and then making that gift by paying (yourself) those payments on their behalf. You do need to pay income tax on the portion of those payments that represents interest income, but at that low rate this is a minor cost for the convenience. You'd also want to set up your will to cover what happens if you die with them still owing money on the loan. And this, I believe, is where you will really need expert advice if you go this route, to minimize the government's cut at that time. There may be better answers. If you are talking about this much money, you owe it to yourself to purchase expert advice from someone who has training and experience n this area, rather than taking free advice from the Internet that is likely to cost you much more in the long run. This is a situation where you can't afford not to hire a pro. (For example, I have no idea how trusts might or might not fit your needs.)"


"There's truth to that, although I'm not sure if the ratio is quite 6 to 1. It IS true that they are processing foreclosures much slower now after the robo-signing fiasco, and also that there is some justification for letting a house stay occupied rather than sit empty.  I disagree with your assertion that ""smart banks"" would dump massive amounts of property at a loss. Selling their inventory quickly would slim their balance sheet (which they been trying to do) and let huge losses flow through their income statement. That's a bad way to achieve a good end, even though the changes are purely accounting and not economic. That's not smart for any business, operating in a vacuum and independent of competition, whether a bank or a retailer. Should GM and Ford sell their backlogs of cars at a massive loss now, just to get rid of the property? There's underlying, economic, intrinsic value.  Properties in the biggest bust markets, like LV and Phoenix, are down 2/3rds from the prices around 05/06; one would argue that the prices are so low they fail to make economic sense. Florida was a huge bust market, but today's NY Times (http://www.nytimes.com/2011/12/28/us/miami-courts-free-spending-brazilians.html?_r=1&scp=2&sq=brazil&st=cse) talks about a recovery in property values, fueled by Brazilians.  Given that cities like Vancouver and throughout the SF Bay Area have seen property prices recover, in part fueled by foreign purchasers (mostly China, etc) why would a bank not want to hold onto the property until it gets a good price?"


"The key for your friends is a robust and detailed form of budgeting. There are plenty of website resources to help them through that process and you should steer them there rather than go through it with them yourself. Of course you should show willing to answer questions and help if asked. The budgeting exercise will require quite some effort and diligence to track historical and current actual expenditure (keeping a detailed spending diary is an excellent way to start). This must be coupled with a lot thought about ways to trim at various degrees of severity. For example it means analysing all utilities deals to make sure they're on the most suitable package. It is also an ongoing, iterative process - not a one-off. The only way in which you giving money to them would be of help is if they have borrowings and the cost of servicing that debt via interest is what's tipping their budget from positive to negative. Only if they are averaging a cash surplus each month can they make headway. Otherwise, the underlying causes of their woes are not being addressed, existing spending habits continue and they are merely deferring the changes they need to make. Your friends have to adopt LBYM - Living Below Your Means. That's simply a modern version of Mr Micawber's famous, and oft-quoted, recipe for happiness: ""Annual income twenty pounds, annual expenditure nineteen [pounds] nineteen [shillings] and six [pence], result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery."" Discussion forums like this make interesting reading: http://boards.fool.com/living-below-your-means-100158.aspx?mid=30971651&sort=collapsed"


Back in the day, they had a highly effective solution for this type of crap, but it is frowned upon in modern society. The second-best solution would be to get your lawyer to put together a case that she is unfit to be around the children and that visitation rights should be revoked.  Unfortunately, this will most likely not solve her problems, and she will probably become far worse as she feels more alone, alienated, miserable, and embarrassed.


In general the other party will expect you to keep your promises. If you promise to do something for a fixed amount of money, you take on a risk and it is no longer their problem if you work slower than you planned. In principle it could even be the case that you take on a project and fail, after which the company may not have to pay at all. So regardless of how things should be written in your books (For example a theoretical pay above minimum wage but a loss for your private company): An important thing to note is that if you are worried about ending up below minimum wage, you are definitely asking a fee that is too low. You should keep in mind that your fee should include a fair compensation for the expected work, and a fair compensation for the risk that you have taken on.


"If you really believe in the particular stocks, then don't worry about their daily price.  Overall if the company is sound, and presumably paying a dividend, then you're in it for the long haul. Notwithstanding that, it is reasonable to look for a way out.  The two you describe are quite different in their specifics. Selling sounds like the simpler of the two, but the trigger event, and if it is automatic or ""manual"" matters.  If you are happy to put in a sell order at some time in the future, then just go ahead with that. Many brokers can place a STOP order, that will trigger on a certain price threshold being hit.  Do note, however, that by default this would place a market order, and depending on the price that breaks through, in the event of a flash crash, depending on how fast the brokers systems were, you could find yourself selling quite cheaply. A STOP LIMIT order will place a limit order at a triggered price.  This would limit your overall downside loss, but you might not sell at all if the market is really running away. Options are another reasonable way to deal with the situation, sort of like insurance.  In this case you would likely buy a PUT, which would give you the right, but not the obligation to sell the stock at the price the that was specified in the option.  In this case, no matter what, you are out the price of the option itself (hence my allusion to insurance), but if the event never happens then that was the price you paid to have that peace of mind. I cannot recommend a specific course of action, but hopefully that fleshed out the options you have."


I think the mortgage must not be in the equation at all in order to determine how much to charge. Of course you want to cover your mortgage but the renting price is determined only by how much the renter is willing to pay (offer and demand) and not your mortgage (some people don't even have a mortgage). In other words I think you should be charging a price based on similar rented houses.


"NEW & FORTHCOMING  The Death of King Arthur SIMON ARMITAGE  King Arthur comes to vivid life in this gripping poetic translation by the renowned poet and translator.MORE A Random Walk Down Wall Street BURTON G. MALKIEL  ""Almost every list of must-read investment books . . . includes Malkiel's Random Walk."" -BooklistMORE The Rotation Diet MARTIN KATAHN  Lose those unwanted pounds and keep them off once and for all with an easy three-week diet.MORE NORTON CLASSICS  The Feminine Mystique BETTY FRIEDAN, ANNA QUINDLEN  The book that changed the consciousness of a country-and the world.MORE Helter Skelter VINCENT BUGLIOSI, CURT GENTRY  A national bestseller-over 7 million copies sold. ""[A] social document of rare importance.""-The New RepublicMORE The Norton Anthology of English Literature STEPHEN GREENBLATT, M. H. ABRAMS, ALFRED DAVID, ET AL.  Read by millions of students over seven editions, The Norton Anthology of English Literature remains the most trusted undergraduate survey of English literature available and one of the most successful college texts ever published.MORE"


> A: I shouldn't have to leave just because thugs say they run land. They don't own the land I'm on, private persons do. Those people should be the ones saying whether or not I can be there.  Good luck arguing that in court while defending non-payment of taxes. Might want to look up Wesley Snipes court case - not like this hasn't been argued before.   > B: I actually can't leave for free.   Of course you can't. You didn't exactly live here for free either. Imagine if you woke up from unconsciousness at a hospital that just saved your life - would you *not* get billed just because you weren't conscious to *agree* with going to the hospital?


I worked for a firm where the trainer ruined the sales team and was eventually fired. Dude was an ex Tony Robbins con man that used Tony's name to come in and be a cheerleader. I'm sure some are good but do your research.


My original point to this post was that this asset bubble is playing out in slow motion just like others have in the past. This facsimile of a recovery will bump along the bottom for years if history is a guide, eg 1934-1939.   This is long term pain for the average middle class person. Underwater mortgages, stagnating wages, and here in DC, overpriced houses completely out of line with median incomes.   It's been a recovery for the wealthiest in society but everyone else is sinking or treading water. Economic indicators are not a reflection of the average middle class persons struggle. Take a look at what Angela Merkel said last week to a group of Nobel winners.   You are telling me that no one got a HELOC on the speculative value of their house between 2000-2007?


So... Does that mean we're leading up to a huge economic boom where the majority of people have paid off a significant amount of their debt, so that they now have more available money and credit to spend, which would turn into a domino effect of more people buying pushing the economy up enough to encourage even more people to buy?


"This is the best tl;dr I could make, [original](https://www.nytimes.com/2017/10/24/business/economy/future-jobs.html) reduced by 84%. (I'm a bot) ***** > High-paying jobs in health care, computer science, and other fields heavy in math and science will grow quickly; so will low-paying jobs caring for older adults or waiting on tables.  > Automation SpreadsMany of the jobs expected to disappear over the next decade are in industrial jobs that have long felt the dual squeeze of globalization and automation: metalworkers, coal miners and machine operators, particularly those without specialized skills.  > Women hold a disproportionate share of jobs in many of the fastest-growing categories.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/78s3g6/a_peek_at_future_jobs_shows_growing_economic/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~235218 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Job**^#1 **women**^#2 **expect**^#3 **decline**^#4 **Automation**^#5"


"Depends on the country, whether its a currency issuer with floating exchange rate, and what the debt is denominated in. For instance, the US has no real debt, b/c its all in US dollars and can be printed at any time. It has no need to borrow anything, it issues its own currency. It used to be different 4 decades ago, on the gold standard, so in general people still think currency issuers need to borrow (or earn) to spend. Just a relic in thinking.  But when the country does not issue its own currency, then it does need to earn or borrow in order to spend. In this case, it could borrow from anywhere that will lend it money. In US, a state would fit this description. Or Greece, as it borrowed Euros, for which it is not an issuer of.  EDIT: just came across this blog http://pragcap.com/where-does-the-money-come-from Its title, ""Where does the money come from"". Maybe he saw this question. Anyway, the US does not need to borrow money. Why would it borrow what it creates? From the video: ""Thinking is hard, that's why we don't do it a lot"". Great line."


Capitalism? Like, this is the natural progression of the libertarian/conservative idea that government doesn't need to regulate things, and the free market will sort this stuff out on their own. PayPal (or Twitter, or whoever) deciding what is and isn't acceptable for consumers using their platform to do is like, free market capitalism at its most pure.


"Get him the book ""Total Money Makeover"" (http://www.amazon.com/Total-Money-Makeover-Classic-Financial/dp/1595555277/ref=sr_1_1?ie=UTF8&qid=1448904191&sr=8-1&keywords=total+money+makeover) and tell him to follow the baby steps. If he comes to you again or doesn't follow your advice, remind him to follow the baby steps. Repeat as needed."


R would work, and would be what I'd use, but I only make scripts for myself, so sometimes they're dirty and I just call them from my R environment.    I guess it depends if it's a tool for individual use, or an app you want to sell or have others use.  If it's a standalone app others have to use, I'd probably use Java.


Establish good saving and spending habits. Build up your savings so that when you do buy a car, you can pay cash. Make spending decisions, especially for housing, transportation and entertainment, that allow you to save a substantial portion of your income. The goal is to get yourself to a place where you have enough net worth that the return on your assets is greater than the amount you can earn by working. (BTW, this is basically what I did. I put my two sons through top colleges on my dime and retired six years ago at the age of 56).


A lot of people in this thread have provided excellent information from a public company's perspective (with respect to WACC, etc.), but I'll chime in from a private company's perspective (specifically, a tech start-up).  Two reasons a private company would prefer to receive financing in the form of debt as opposed to equity:  1) It can't sell equity at a good valuation (or at all). In this case, the company may have no choice but to raise debt financing, using assets as collateral and also diverting future cash flows away from growth initiatives for the sake of servicing the debt. This is obviously a bad situation for the company. Also, because debt is senior to equity, in the case of a bankruptcy, owners would only be able to recover money from the sale of the company / liquidation after debt owners have been paid.  2) The company's owners don't want to further dilute their ownership stakes and are willing to have the company pay interest to avoid it. Sometimes private company owners will take on debt with the purpose of buying out other owners. In some other cases, the company's management thinks equity in their company will increase in value disproportionately to what investors might give it credit for. In these cases, the math is simple: projected valuation growth versus the valuation financing is available at, taking into account the interest paid on the debt.


What you've expressed is the heart of progressives and socialists, and why they so often lead to tyranny and totalitarianism.  The minute you think people are stupid and need to be told what to do, you are corrupted. Why would you think *other* people are irrational and evil, but you are rational and good enough to see the error of their ways? This thinking only leads to tyranny and things like forced sterilization, institutionalization, and a vast police state.  If a society is good, then minority Y won't be screwed for long. If society is evil (as you believe), then minority Y is screwed anyway. Legislation doesn't help, and frankly giving the government power to legislate morality is just going to end badly when the *wrong* government gets into power.   Haven't you people learned from this Trump debacle? Why would you double down and give the government *more* power?


No, the IRS doesn't care about your transfers.


"If any one thing says ""big move,"" it's that' AAPL is approaching $100 (approximately a split and dividend adjusted all-time high).  Stocks act weird around big numbers - but if you could count on just a few things in trading, it's that if AAPL moves past $100, it won't just move a couple more bucks - it will move convincingly higher."


Why doesn't someone make an app like uber but is more about putting it in the users market. I have used uber so I don't know how much you get to set your rates and such, take cash instead of C.C. (you deal with getting the money, not the app) IDK, how to word it, but basically government out of it, somehow.


> Content providers pay for the right to access the network, just like you or I.  Yes.  They pay. So what are you arguing here?  Some can pay more, some can pay less.  If Netflix wants to use 37% of the total bandwidth in North America at peak times, there's no reason not to charge Netflix more for that service.  It's business.


Never buy a house unless you really want to buy that house. If you want to buy a rental, look around and find the right rental to buy; saving a few hundred on moving costs isn't a good reason to buy the wrong property at the wrong price.


"A bit surprising that this happened during the ""I love everyone"" Obama era.   BTW, it's the CIA job to do exactly this. Most other countries such as China, Russia (USSR), Iran have programs to do the same thing.  Destabilize your direct and indirect rivals/enemies and support governments sympathetic to the us."


>you pple just dont understand anything.  That's nice. It's 8:00 here and am going to work now. You unemployed Occupy people continue to rant about how much the system sucks and everyone should get a free pass. Good luck with that.


Typically you can only claim as business deductions those expenses which strictly relate to your business. In some cases, if you have a dedicated home office in your house, you can specify that expenses related to this space (furniture, etc.) are business expenses because it is a dedicated space. For example, I know of someone in sports broadcasting who claimed several TVs as a business expense, but these are for a room in his house that he uses only for watching games related to his work responsibilities, and never for entertaining, having friends over, etc. I think it will be difficult for you to count any portion of this type of installation as a business expense as it would relate to both your business as well as your residence. If you intend to try to get this deducted, I would strongly recommend consulting a CPA or tax attorney first. I think it will be difficult to prove that the only benefit is to your LLC if your electricity bills/credits are co-mingled with those for your residence. Best of luck!


Presumably you mean to ask what happens if State Street files chapter 7 bankruptcy, since not all bankruptcy proceedings end in liquidation.  SPY is a well known ticker, I can't imagine that there wouldn't be an eager bank willing to pay to pick up that ticker and immediately acquire all the assets related to it. The most likely scenario is that another bank would assume control of the ticker and assets, and the shares would continue trading as they always have. A less likely scenario is that no other financial institution wanted to acquire SPY, and the shares would be liquidated and the proceeds would go to the owners of shares of the ETF. Since the underlying assets are in companies that have actual value, the shares shouldn't trade at much of a discount prior to liquidation. Additionally, if there is a black swan event, there will probably be losses on the underlying assets, so it might even be helpful if the SPY fund was tied up in legal proceedings while everyone gets their heads straight in the market.


That was a simple miscommunication, soupaman, for which I actually apologized.   Do trolls apologize? No. Look at magicunderpants for an example of trolling.   EDIT: btw, the reason I state my experience *and* our income is simple: it's proof. People who don't bother to even read the simple blog sidebar are going on about how I can't possibly know anything, but oh, I do.  And people don't even know that it's possible to do what I do and earn that kind of income. But it is very possible. That's why I talked about numbers when I was invited to be interviewed on Mixergy. You have no idea the kind of fan mail I got for that.  Most bootstrapping companies will never reveal their income, but we should: http://unicornfree.com/2011/drawing-back-the-curtain/


"Levinson's father rented that space, but as business boomed, he built a one-level permanent space in the same complex and moved the business into it. Soon after, in the early 1970s, the color TV boom hit. ""Sylvania, GTE and RCA were the players then,"" he remembered."


>Imagine Having to field unlimited additional emails from people outside of your own dept who perhaps don't know/understand how your dept operates/functions.  Is the person who sent the email of any position for you to care enough to respond about how they don't know shit? If so, they're important enough to be helped along. If not, ignore them - at least, my initial skim through said that nobody was under any obligation to respond.


"Not really. It's good to supplement a shitty school and bad GPA with, a nice thing to pursue and great at teaching you finance if you're not a finance major.  It will undeniably look good on a resume, however, it will not make or break you, outside of possibly you being in Top 3 internship candidates and you're the only CFA candidate.  It's practically useless for trading, but a friend of mine at a brokerage is getting his so that he can have more ""authority"" with clients, although, he is at a foreign brokerage and the clients tend to need that assurance that the broker knows what they're doing."


Is this a time of day effect by using, e.g. closing prices, in markets that close at different times?  If so, you can mitigate this by looking at returns over longer periods (weekly, monthly or quarterly).  If the cross-listed equities are showing consistently different returns at the exact same time, then you should be more concerned in figuring out how to trade the arbitrage rather than estimating a beta.


"If the answer were ""no,"" you still found the 'black swan' type exception that proves the answer to be ""yes,"" right? My experience is this - again just my experience, my bank - When by balance goes below $10, I have the account trigger an email. I wrote a check I forgot to register and subtract, so the email was sent and the account balance in fact showed negative. I transferred to cover the check and the next day, there was a history that didn't go negative, the evening deposit was credited prior to check clearing.  I set up my bills on line. I set a transfer in advance for the same dollar amount as a bill that was due, e.g. $1000 transfer for a $1000 bill. I woke up to an email, and the account showed the bill was paid prior to the transfer. So one line showed going -$900, and the next line +$100 after transfer. Even though it's the same online process. Again, the next day the history re-ordered to look like I was never negative. But even on a day I know I'm having payments issued, I can never just ignore that email.  The first time this happened, I asked the bank, and they said if the negative went until the next day, I'd get an overdraft/short balance notice.  This is a situation to ask your bank how they handle this."


The United States is no longer on a gold standard, and the value of its currency is solely founded on the productivity of its economy. So I don't think there's any practical reason for the United States government to explicitly sell off a lot of gold to force the price to crash. In fact I would expect that the price of gold has very little interest for the Fed, or anyone else in a position of economic power in the government. I believe that we still have large reserves of it, but I have no idea what they are intended for, aside from being a relic of the gold standard. Best guess is that they'll be held on to just in case of an international trend back towards the gold standard, although that is unlikely on any time frame we would care about.


How to file a claim with us. You've been involved in an auto accident, or your home's roof was damaged by heavy winds, or one of your employees was injured ...Claims Pages print and online directories are the largest circulated reference sources for insurance claims adjusters.


Your credit score is really bad, and it's highly unlikely anyone will be willing to give you a mortgage, especially if you still have bad debt showing up on your credit report. What would help? Well, clearing off any bad debt would be a good place to start. Ideally, you want to get your credit rating up above 680, though that may be optimistic here. Note, though, that bad debt falls off your credit report after a while. Exactly how long depends on your province. Note that making partial payment, or even just acknowledging the debt, will reset the 'timer', however. I mention this, though, because you mention some of your debt is from 5 or 6 years ago. It may be just about to fall off. It would also help if you can show that your credit is so bad because of mistakes from a number of years ago, but you've been making payments and staying on top of all debts for the past few years, if that's the case. Also, it would help if you had a reasonable downpayment. 20% minimum, but you'll be a lower credit risk if you are able to put down 50 - 75%. You could also consider having someone with good credit co-sign the mortgage. Note that most people will not be willing to do this, as they take on substantial financial risk. All that said, there are some institutions which specialise in dealing with no credit or bad credit customers. You pay more fees and will pay a vastly higher interest rate, but this may be a good option for you. Check out mortgage brokers specialising in high-risk clients. You can also consider a rent-to-own, but almost all the advice I've ever seen say to avoid these if you can. One late payment and you may lose all the equity you think you've been building up. Note that things may be different if you are moving from the U.S. to Canada, and have no credit history in Canada. In that case, you may have no credit rather than bad credit. Most banks still won't offer you a mortgage in this case, but some lenders do target recent immigrants. Don't rule out renting. For many people, regardless of their credit rating, renting is a better option. The monthly payments may be lower, you don't need a downpayment, you don't have to pay realtor and legal fees (and pay again if you need to move). A couple of sites provide more information on how your credit rating affects your possibility of getting a mortgage, and how to get mortgages with bad credit: http://mortgages.ca/credit-score-needed-mortgage-canada/ and http://mortgages.ca/mortgage-solutions/new-to-canada-financing/, along with  http://www.ratehub.ca/mortgage-blog/2013/11/how-to-get-a-mortgage-with-bad-credit/


What this abbreviated balance sheet tells you is that this company has negative equity.  The liabilities are greater than the value of the assets.  The obvious problem for the company who wants to do business with you is that they are going to have a real hard time accessing credit to pay off any debts that they incur with doing business with you.  In this case, the recommended course would be to ask them put cash up front instead of putting them on account. You don't really need to look at the income statement to see that they are currently underwater.  If their income statement turns out to be splendid, then you can wait for them to get their liabilities under control before you set up an account for them.


Not just lack of vision. Blockbuster was a large, comfortable, slow moving behemoth of a company, they wouldn't have risked cannibalising their current business model in order to create a new business model that might have become profitable a decade later. Not one chance in hell.  If Blockbuster had bought Netflix, they would have killed it. No doubt at all about that. But the market disruption was inevitable. Some other actor would have seized the opportunity instead, just a year or three later.  When a market is ready for disruption, killing the disruptor doesn't change anything, it just delays the inevitable by a short time. That's what happened with reddit. Kevin Rose invented reddit, he called his original version Digg. Digg is the original that reddit was a carbon copy of, but then Rose came down with a serious case of delusion of grandeur, started treating his users like utter shit, so they all left for the carbon copy that was reddit. Today, barley anyone remembers Digg.


"This is the best tl;dr I could make, [original](https://qz.com/1017457/there-is-a-point-at-which-it-will-make-economic-sense-to-defect-from-the-electrical-grid/) reduced by 79%. (I'm a bot) ***** > A new study by the consulting firm McKinsey modeled two scenarios: one in which homeowners leave the electrical grid entirely, and one in which they obtain most of their power through solar and battery storage but keep a backup connection to the grid.  > As daily needs for many are supplied instead by solar and batteries, McKinsey predicts the electrical grid will be repurposed as an enormous, sophisticated backup.  > Solar panels and battery prices are dropping fast-lithium-ion batteries have fallen from $1,000 to $230 per kilowatt-hour since 2010-as massive new solar and battery factories come online in China and the US. By 2020, Greentech Media projects, homes and businesses will have more battery storage for energy than utilities themselves.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6kchib/there_is_a_point_at_which_it_will_make_economic/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~155595 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **grid**^#1 **battery**^#2 **utility**^#3 **solar**^#4 **McKinsey**^#5"


Zhongshan Opaye Industry Co.,Ltd. is a professional home appliances manufacturer in China. Opaye company is a one of the leading companies to produce the professional portable clothes dryer, electric thermo pot, electric water boiler, electric kettle, soymilk maker, juice extractor, slow juicer, screw juice extractor, soup maker, commercial blender, food processor etc. Opaye's products are sold well in worldwide markets, including the USA, Europe,Southeast Asia, Japan and Taiwan area. Opaye keeps the stable business relationships with such our world partners as Metro Germany, Sunbeam Europe and QVC UK. As an ISO9001/2000 certified company, opaye is highly focused on quality control, just-in-time delivery, cost control,provision of innovative and tailored products and good service to attain total customer satisfaction and maintain a win-win relationship with customers on a long-term basis. As a must to enter our target markets, most of our products are CE/GS, ETL, CB and CCC approved and Rosh compliant. To keep our advantage in the industry,we registered technology and design patent for our products and keep improving our quality and production efficiency. The in-house tooling workshop, metal department, plastic injection department and more than 1000 workers enable our cost efficiency and productivity. Repeating orders by our clients is the best proof that we have matched their demands in terms of quality and reliability. Welcome and find out how you will enjoy working with Opaye. Further information pls feel free to visit our website: www.opaye.com


Interesting: reddit, according to [privacyscore.com](http://www.privacyscore.com/), has a score of 50 out of 100 whereas target.com has 49 (up one point from the article).  > ... privacyscore.com and it will rate it from zero to 100 based on the number of trackers on every page.


It is one thing to take the advice of some numb-skulls on a web site, it is another thing to take the advice of someone who is really wealthy. For myself, I enjoy a very low interest rate (less than 3%) and am aggressively paying down my mortgage.  One night I was contemplating slowing that down, and even the possibility of borrowing more to purchase another rental property. I went to bed and picked up Kevin O'Leary's book(Cold Hard Truth On Men, Women, and Money: 50 Common Money Mistakes and How to Fix Them), which I happened to be reading at the time.   The first line I read, went something like:  The best investment anyone can make is to pay off their mortgage early.  He then did some math with the assumption that the person was making a 3% mortgage payment.   Any conflicting advice has to be weighted against what Mr. O'Leary has accomplished in his life.  Mark Cuban also has a similar view on debt.  From what I heard, 70% of the Forbes richest list would claim that getting out of debt is a critical step to wealth building. My plan is to do that, pay off my home in about 33 (September '16) more weeks and see where I can go from there.


"They will show up ad they will be given the money when the time comes.   The central message out there right now is still ""don't buy a house"" especially while the smart money investors are still buying.  Messaging will change when the time comes.  Wait til housing prices are soaring and the media is completely in the tank with it.    Yeah I know it sounds crazy but when banks want to sell loans, they will market aggressively and people will buy.  Just like last time."


A Kindle's screen displays text much better than most mass market paper novels.  Every time we moved prior to starting to mostly read ebooks we had boxes of books that we either gave away or threw away.  I rarely re-read books.  You can actually lend more and more books.  You can also borrow them (from Amazon if you're a Prime member and libraries if they participate).  Dedicated e-readers have batteries that are pretty tough to kill unless you keep the wireless on for several days.  Textbooks actually suck as ebooks in my opinion.  More annoying to take notes in, probably can't use the ebook version on any tests, and I'm more likely to need to page back and forth through a text book than a novel.


When you purchase a mortgage, you have to prove the source of your down payment.  Primarily this is so that the mortgage lender knows that there are no other outstanding liens against the property.  If you show that some or part of your down payment was a gift, there is no fraud, but it may affect your qualification for the mortgage. Consult a lawyer in your area to determine if there is a legal way to gift the money that is not taxed.  If all else fails you could just pay the tax.  Also, you should research whether your gift is above the floor of taxable gifts.


"Between the top two manufacturers (not including Nintendo, because they're in their own bracket) I easily see Sony being the only traditional home console manufacturer in the next 10 or so years. I think there will still be the ""Xbox"" but it's going to be a much different system than what's currently offered. Either with a more PC-like interface or eventual Xbox service integration on all Windows computers."


It is more easier if you select a Broker in India that would allow you these services. The reason being the broker in India will follow the required norms by India and allow you to invest without much hassel. Further as the institution would be in India, it would be more easy for resolving any disputes. ICICI Direct an Indian online broker allows one to trade in US stocks. For more details refer to ICIC Direct. Reliance Money also offers limited trading in US stocks. Selecting a Broker in US maybe more difficult as your would have to met their KYC norm's and also operate a Bank account in US. I am not aware of the requirements. For more details visit ICICI Direct website. Refer to http://www.finance-trading-times.com/2007/10/investing-in-us-stocks-and-options.html for a news article. TDAmeritrade or Charlesschwab are good online brokers, however from what I read they are more for US nationals holding Social Security. Further with the recent events and KYC norms becoming more stringent, it would be difficult for an individual [Indian Citizen] to open an account directly with these firms.


A large number of the general population spends the huge of their cash to purchase lotto tickets and further on some mystery frameworks that offer ensured to win lottery money. The Global Lottery deals ascend to $300 billion for each annum. Take this game as stimulation, not as a source of income since it doesn't ensure that you win. Our lotto e-book motto is to show people how to win small prizes on a regular basis.


If you can afford it, there are very few reasons not to save for retirement. The biggest reason I can think of is that, simply, you are saving in general. The tax advantages of 401k and IRA accounts help increase your wealth, but the most important thing is to start saving at an early age in your career (as you are doing) and making sure to continue contributing throughout your life. Compound interest serves you well. If you are really concerned that saving for retirement in your situation would equate to putting money away for no good reason, you can do a couple of things: Save in a Roth IRA account which does not require minimum distributions when you get past a certain age. Additionally, your contributions only (that is, not your interest earnings) to a Roth can be withdrawn tax and penalty free at any time while you are under the age of 59.5. And once you are older than that you can take distributions as however you need. Save by investing in a balanced portfolio of stocks and bonds. You won't get the tax advantages of a retirement account, but you will still benefit from the time value of money. The bonus here is that you can withdraw your money whenever you want without penalty. Both IRA accounts and mutual fund/brokerage accounts will give you a choice of many securities that you can invest in. In comparison, 401k plans (below) often have limited choices for you. Most people choose to use their company's 401k plan for retirement savings. In general you do not want to be in a position where you have to borrow from your 401k. As such it's not a great option for savings that you think you'd need before you retire. Additionally 401k plans have minimum distributions, so you will have to periodically take some money from the account when you are in retirement. The biggest advantage of 401k plans is that often employers will match contributions to a certain extent, which is basically free money for you. In the end, these are just some suggestions. Probably best to consult with a financial planner to hammer out all the details.


That's good to hear. I got burned pretty hard, and would struggle to give them any more money. Plus I find GM seats and me don't get along.   But I'm glad that they are building something that seems quality again.


"> For AMD, the rush to mine Ethereum has provided an unexpected boon.   >""Relative to cryptocurrency, we have seen some elevated demand,"" CEO Lisa Su said in the company's earnings call following another beat last week.  > ""But it's important to say we didn't have cryptocurrency in our forecast, and we're not looking at it as a long-term growth driver.  Bullish crypto investors are making it hard to have a moderate outlook on this stuff. No straddling the fence!"


Very interesting article, it makes sense that if you have a way of compensating a CEO that seems accurate to you, your board and your consultant, that you would try to replicate it on other companies.  This isn't terrible practice. If it was, it wouldn't have been adopted by other firms.  The fact remains that there ARE goals that need to be met, and there isn't really much secrecy about what happens in the CEO office.  They have to make important decisions based on reports from many areas and many managers.  The ability to make the right ones isn't an easy task. Hence their high paygrade


Some aspect is legal some in grey area.  Please maintain proper documentation. Generally for amounts in question, there is less scrutiny from Income tax. Buying on behalf of your friends... First there is a limit of 250,000 USD, so fine on this point. Second is only licensed dealers can participate in FX. In your case, it can appear that you are acting as dealer.  On getting money back, this looks like gift and if it's more than 50,000 in a year it is taxable. Of course if you establish that it was convenience then no issues. So you need good amount of documentation, plus if you are getting paid after few months, tax can treat this as personal loan and arrive at deemed interest.  Edits: There is no guideline as to what the income tax will ask you, if there is a scrutiny. One would need to have paper work, a letter from friend requesting you to purchase things. You would have to keep a record of items ordered and match it with credit card statement. Proof that the goods were delivered to his address. Proof of equivalent credit entry from your friend into your bank statement. Reason why your friend could not do this himself. i.e. what is stopping him from getting a international debit/credit card?  So if you think you can convince that its convenience, yes, else taxes.


I know the feeling. I used to smoke after doing my laundry. Had quit for about 10 days. Do laundry. Once i am done i was overwhelmed by this urge to smoke. Didn't see it coming. One of my most challenging moments. I somehow made through the next two hours till that urge waned off.  Thats why as you go along it becomes easier. If you need to talk to someone let me know.


First of all, the picture says it all. This is written by some young girl that is clueless to the world. Yes, I looked her up, but besides creating some things of her own, what start ups has she worked for. To say they make you slave away seems pretty off base.  Second, I work for one of the top software companies in the world. They work the hell out of people, seldom hand out raises, etc. I am lucky that my position is not overworked like many of the others here.  Meanwhile, I worked for a start up, friends worked for start ups, and we acquired TONS of start ups where I work.   At the start up I worked for, I used to put in some crazy hours some days, but I could take them all back by leaving early other days. Everyone was relaxed, nobody was micromanaged, there were parties and work functions, beer Fridays, and it was just a great atmosphere. We also had awesome coffee. I can't drink the swill here.  Other start ups that I have known had foosball, pool tables, basket ball hoops, and other things making it fun to work there.  It has been my experience that start ups are generally where you want to be, and not giant corporations that are very well established. The people that were acquired all tend to hate it here when compared to their previous jobs.


That's awesome! You're going to want to learn how to fly a small technical one first. Once you are comfortable spend couple thousand and start with basic maneuvers, as the size of your drone has changed!   Do you understand the legal responsibilities as a small business owner and have you taken any business classes? I'm a vet as well. Private message me man. I know a lot about business.


A lot of dating sites work on a subscription model. So do websites like O'Reilly's Safari Bookshelf with technical documentation. A lot of sites which do not force you to pay also allow donations of some kind, e.g. reddit's gold system or all those webcomics using Patreon or something similar.


> If you're upset about the wealth gap simply because you're not wealthy there's your perspective.  That argument cuts both ways.  If the poor don't need more money because a burger and fries is happiness enough, then the rich don't need a mansion or fancy car either.


The recent move of Indian Government with the daily revision of fuel price comes out as a better proposition for automobile users. Earlier, when petrol prices were revised every fortnight, a huge additional pressure was created due to a big variation in fuel prices. Therefore, the foremost benefit of a recent daily change in diesel price allows Indian fuel consumers to easily absorb any alteration in daily petrol prices by a few paise.


Any publicly traded financial instrument can be sold short, in theory.  There are, however, many regulations associated with short sales of US equities that may prevent certain stocks from being sold short at certain times or through certain brokers. Some examples: the most basic requirement (this isn't a regulation, it's just the definition of a short sale) is that you or your broker must have access to someone willing to loan you his/her shares.  If you are interested in shorting a security with few shares outstanding or low trade volume, there may simply not be enough people in the world willing to loan you theirs.  Alternatively, there may be a shareholder willing to loan shares, but your broker may not have a relationship with the clearing house that shareholder is using.  A larger/better/different broker might be able to help. threshold securities list - since 2005, each day certain securities are not allowed to be sold short based on their recent history of liquidity.  Basically, if a certain number of transactions in a security have not been correctly settled over the past few days, then the SEC has reason to believe that short sales (which require extra transactions) are at higher risk of falling through. circuit breaker a.k.a. alternative uptick - since 2011, during certain market conditions, exchanges are now required to reject short sales for certain securities in order to prevent market crashes/market abuse.


I don't get what the big fear of being marketed to is.  A customer isn't being forced into buying something, so they still have the option to say no.  I actually welcome the advertisements being curtailed to me my needs and wants.  That way I be bothered by things I don't want if I ever choose to pay attention to the advertisements.


These markets are independent, just like any other stock market. For example, there are stocks on the Milan stock exchange that are also on the New York stock exchange and have different historical prices. Remember, this is all about offer and demand. The Hong Kong stock exchange has the Hong Kong Dollar as its currency, which is anchored to the USD. Also, there is more trade going on, on the Hong Kong stock exchange. As for the answer, I don't know whether these stocks are exactly the same. I guess they should be, but maybe somebody else could answer that.


Title agencies perform several things: Research the title for defects. You may not know what you're looking at, unless you're a real-estate professional, but some titles have strings attached to them (like, conditions for resale, usage, changes, etc). Research title issues (like misrepresentation of ownership, misrepresentation of the actual property titled, misrepresentation of conditions). Again, not being a professional in the domain, you might not understand the text you're looking at. Research liens. Those are usually have to be recorded (i.e.: the title company won't necessarily find a lien if it wasn't recorded with the county). Cover your a$$. And the bank's. They provide title insurance that guarantees your money back if they missed something they were supposed to find. The title insurance is usually required for a mortgaged transaction. While I understand why you would think you can do it, most people cannot. Even if they think they can - they cannot. In many areas this research cannot be done online, for example in California - you have to go to the county recorder office to look things up (for legal reasons, in CA counties are not allowed to provide access to certain information without verification of who's accessing). It may be worth your while  to pay someone to do it, even if you can do it yourself, because your time is more valuable. Also, keep in mind that while you may trust your abilities - your bank won't. So you may be able to do your own due diligence - but the bank needs to do its own. Specifically to Detroit - the city is bankrupt. Every $100K counts for them. I'm surprised they only charge $6 per search, but that is probably limited by the State law.


"The Finance Buff discusses why the Roth 401k is often disadvantaged compared to a Traditional 401k in the article The Case Against the Roth 401k, including the following reasons (paraphrased): Contributions to the 401k come from the ""top"" of your highest tax bracket rate but withdrawals fill in from the ""bottom"".  For example, suppose you are in the 28% tax bracket.  Every marginal dollar you contribute to the Traditional 401k reduces your tax burden by .28 cents.  However, when withdrawing, the first $10,150 of income is tax-free (from standard deduction and exemption, 2014 numbers; $20,300 for married couples, joint filing).  The next dollars are at the 10% tax bracket, and so on.  This is an advantage for the Traditional 401k only if you earn less when withdrawing than you did when contributing, a reasonable assumption. Avoid High State Income Tax. There are many states that have low or no state income tax.  If you live in a state with a high income tax, paying tax now through the Roth 401k reduces the benefit of moving to a state with a lower income tax rate. Avoid triggering credit phaseouts. Many tax credits (e.g. student loan interest, child tax credit, Hope credit, Roth IRA eligibility, etc.) begin phasing out as your income increases.  Contributing to the Traditional 401k can help you realize more of those credits when you starting running up against those limits. As described in the article, if these items don't apply, contributing to the Roth 401k can be a valuable component of tax diversification."


Doesn’t that ban reduce the very lobbying we’re talking about being a problem?  I still believe we should have a “Devil’s Advocate” group on every bill, that researches all the negative effects the bill would have, and presents them.


There are thousands things to do for fun but people are unable to find time for these things as they are surrounded by troubles and hardships of life. In that case you must visit summerfunguide.ca, at least once and gain real tips for enjoyment.


"You, yourself, cannot spend the money from life insurance because, well, you are dead.  So the question becomes ""what is best for those you leave behind?"".  Thus is a question that can only be answered by examining the individual(s) you would leave behind. Near as I can tell, you currently have no one else who may be significantly hurt by your passing. So you cannot answer this question until there is (are) that (those) other(s).  In the meantime, 'self-insure' by saving (true investing) up the money that you would otherwise be spending on premiums."


The long term view you are referring to would be over 30 to 40 years (i.e. your working life). Yes in general you should be going for higher growth options when you are young. As you approach retirement you may change to a more balanced or capital guaranteed option. As the higher growth options will have a larger proportion of funds invested into higher growth assets like shares and property, they will be affected by market movements in these asset classes. So when there is a market crash like with the GFC in 2007/2008 and share prices drop by 40% to 50%, then this will have an effect on your superannuation returns for that year. I would say that if your fund was invested mainly in the Australian stock market over the last 7 years your returns would still be lower than what they were in mid-2007, due to the stock market falls in late 2007 and early 2008. This would mean that for the 7 year time frame your returns would be lower than a balanced or capital guaranteed fund where a majority of funds are invested in bonds and other fixed interest products. However, I would say that for the 5 and possibly the 10 year time frames the returns of the high growth options should have outperformed the balanced and capital guaranteed options. See examples below: First State Super  AMP Super  Both of these examples show that over a 5 year period or less the more aggressive or high growth options performed better than the more conservative options, and over the 7 year period for First State Super the high growth option performed similar to the more conservative option. Maybe you have been looking at funds with higher fees so in good times when the fund performs well the returns are reduced by excessive fees and when the fund performs badly in not so good time the performance is even worse as the fees are still excessive. Maybe look at industry type funds or retail funds that charge much smaller fees. Also, if a fund has relatively low returns during a period when the market is booming, maybe this is not a good fund to choose. Conversely, it the fund doesn't perform too badly when the market has just crashed, may be it is worth further investigating. You should always try to compare the performance to the market in general and other similar funds. Remember, super should be looked at over a 30 to 40 year time frame, and it is a good idea to get interested in how your fund is performing from an early age, instead of worrying about it only a few years before retirement.


Center for Research in Security Prices would be my suggestion for where to go for US stock price history. Major Asset Classes 1926 - 2011 - JVL Associates, LLC has a PDF with some of the classes you list from the data dating back as far as 1926. There is also the averages stated on a Bogleheads article that has some reference links that may also be useful. Four Pillars of Investing's Chapter 1 also has some historical return information in it that may be of help.


The Fools have a range of advice from common-sense to speculative, aimed at different audiences (one hopes). As always, don't take anyone's word for it; think it through and decide whether the risk/reward ratio is really in your favor and how much you can afford to risk. They're good on the basics, but the more advanced they get, the more risk there is that they've got it wrong. That last is true of any advisor unless they have information that the rest of us don't. You can learn some things from their explanations of their reasoning without necessarily taking their conclusions as gospel.


"Written by Alastair Williamson. Notable author of articles such as   ""The Whole Damn System May Collapse Next Year"",   ""Major Crisis of Cuture And Economy Coming Soon"",   ""Horrendous Storm to Hit Stocks"",   ""Central Banks Have Failed, Now They Exit, Economic Crash Expected"",  ""DETROIT FORETELLS AMERICA’S FUTURE: IT’S VERY BAD"",  ""THE TRIANGLE OF DEATH IN BALTIMORE: Hundreds of Murders Happen Here""  I sense a pattern here.   https://squawker.org/author/alistair-williamson/"


Based on what you wrote, you would be better off with no position to start, and then enter a buy stop 10% above the market, and a sell stop 10% below the market, both to open positions depending on which way the market moves. If the market doesn't move that 10%, you stay flat. However, a long option straddle position requires that the market moves significantly one way or the other just so you recover the premium that you paid for the straddle. If the market doesn't move, you will lose money on your straddle due to theta decay and a drop in volatility. Alternatively, you could buy a strangle, with a call strike 10% out, and a put strike 10% out. The premiums would be much much lower, and these wculd take the place of the stop entries. Personally, I would never buy a straddle, but I do sometimes sell them, especially when implied volatility is very high.


We had this happen to us 2 months ago.  There is basically a criminal organization called United telecom they are partnered with. United Telecoms business model is switching your long distance without your permission.  We get a bill and each phone line has all these extra charges that add up to about $100.  I call to find out what is happening and I find out we have been slammed (long distance switched without our permission).  Apparently they call and ask if this is business X and if you say yes they are recording it and use that as evidence that you agreed to have your long distance switched.  I spent close to six hours on the phone getting our account back in order.  One of the people I spoke with at Centurylink said they got a lot of calls about United Telecom.  It sounded like switching long distance services was a standard business practice for them.   When I spoke with United Telecom, it was way to easy.  The person that answered the phone removed our charged without any questions. I thought that was strangely easy.  If this is actually how they make money, why would they back it off so easily?  So I called Centurylink back because I figured there had to be something else they left out when I spoke with them earlier.  After some digging, bundled up in an other charges section was about $5 for switching our long distance service.  It took me almost a whole day to get this straightened out. I spoke with 16 different people at Centurylink.  It became hilarious.  I had them on speaker phone and we would just start laughing.  One minute sir, I will connect you to business services.  Here is the direct phone number in case you get disconnected. 20 minutes of being on hold, then, I am sorry sir this is residential I will have to transfer you to business.  Same freaking thing, over and over and over.  I assume most people just give up or don't have the time to sort this stuff out.  TL;DR It seems like Centurylink continues to allow United Telecom to switch long distance services for their clients, because it generates significant revenue for them.  [edit] If you don't want this to happen to you, put a lock on your services.  It takes two part authentication to change anything after that.


Ultrasound machines have been especially helpful in diagnosing cardiac diseases. We know the criticality of heart in a healthy human body. In their initial stage, heart diseases can be cured through medicine and surgery. However, without a proper diagnostic tool, it was very difficult to ascertain a heart ailment earlier.


"Absent a pre-nup, it's a case of ""lawyer vs lawyer,"" you can't count on protecting what you came into the marriage with. In theory, what you propose sounds fair, but the reality of divorce is that everything is fair game. much depends on each spouse's earnings and impact of child-raising. For example, a woman who gives up time in a career may go after more than half, as she may be X years behind in her career path due to the choices made to stay home with the kids. I think each divorce is unique, not cookie cutter."


Being new does not allow me yet to vote on your question, but what a good question it is. We share our opinion in separating finances in our very well going mariage. Currently I have found a sort of okay solution in two websites. These are http://www.yunoo.nl and http://www.moneytrackin.com/. You can actually tag spendings with multiple tags.  I don't like the idea that the data is on a remote server, but since I have not found a proper  local software solution, I just naively trust their promise that your data is save. Then again our financial situation is not that special.


No shit. Who thought it was? I got very lucky but I hit that number the year I turned 24 with mediocre GPA in a non-engineering field from a state school and didn't have any family connections. I know that's not typical but it also means $100k/yr is far to achievable to be in the top 1%.


I think the main question is whether the 1.5% quarterly fee is so bad that it warrants losing $60,000 immediately. Suppose they pull it out now, so they have 220000 - 60000 = $160,000.  They then invest this in a low-cost index fund, earning say 6% per year on average over 10 years.  The result: Alternatively, they leave the $220,000 in but tell the manager to invest it in the same index fund now.  They earn nothing because the manager's rapacious fees eat up all the gains (4*1.5% = 6%, not perfectly accurate due to compounding but close enough since 6% is only an estimate anyway).  The result: the same $220,000 they started with. This back-of-the-envelope calculation suggests they will actually come out ahead by biting the bullet and taking the money out.  However, I would definitely not advise them to take this major step just based on this simple calculation.  Many other factors are relevant (e.g., taxes when selling the existing investment to buy the index fund, how much of their savings was this $300,000).  Also, I don't know anything about how investment works in Hong Kong, so there could be some wrinkles that modify or invalidate this simple calculation.  But it is a starting point. Based on what you say here, I'd say they should take the earliest opportunity to tell everyone they know never to work with this investment manager.  I would go so far as to say they should look at his credentials (e.g., see what kind of financial advisor certification he has, if any), look up the ethical standards of their issuers, and consider filing a complaint.  This is not because of the performance of the investments -- losing 25% of your money due to market swings is a risk you have to accept -- but because of the exorbitant fees.  Unless Hong Kong has got some crazy kind of investment management market, charging 1.5% quarterly is highway robbery; charging a 25%+ for withdrawal is pillage.  Personally, I would seriously consider withdrawing the money even if the manager's investments had outperformed the market.


Wow that is really great that you have such an amazing organization.  Unfortunately I don't believe that I will get the financial support I need to start one up myself.  I was going to start a Kickstarter campaign but people on Reddit didn't even see it happening so I think I will keep dreaming for now.    I do have some rough ideas in mind and have looked into some real estate as well but the financial obstacle is something that will be too hard to come over.  Thanks so much for reaching out though.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/anarcho_capitalism] [A Stockholm sufferer over at \/r\/economy...](https://np.reddit.com/r/Anarcho_Capitalism/comments/6helej/a_stockholm_sufferer_over_at_reconomy/)  [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*  [](#bot)


Yes, but make sure you issue a 1099 to these freelancers by 1/31/2016 or you may forfeit your ability to claim the expenses. You will probably need to collect a W-9 from each freelancer but also check with oDesk as they may have the necessary paperwork already in place for this exact reason.  Most importantly, consult with a trusted CPA to ensure you are completing all necessary forms correctly and following current IRS rules and regulations.  PS - I do this myself for my own business and it's quite simple and straight forward.


"First, I applaud you for caring.  Most people don't!  In fact, I was in that category.   You bring up several issues and I'll try to address them separately. (1) Getting a financial planner to talk with you.  I had the same experience!  My belief is that they don't want to admit that they don't know how things work. I even asked if I could pay them an hourly fee to ask questions and review stocks with them.  Most declined.  You'll find that very few people actually take the time to get trained to evaluate stocks and the stock market as a whole.  (See later Investools.com). After looking, however, I did find people who would spend an hour or two with me when we met once a quarter to review my ""portfolio""/investments.  I later found training that companies offered.  I would attend any free training I could get because they actually wanted to spend time and talk and teach investors. Bottom line is: Talking to their clients is the job of a financial planner.  If he (or she) is not willing to take this time, it is in your best interest to find someone who will spend that time. (2) Learning about investing! I'm not affiliated with anyone.  I'm a software developer and I do my own trading/investments.  The opinions I share are my own. When I was 20 years away from retirement, I started learning about the stock market so that I would know how it worked before I retired so that (a) I could influence a change if one was needed, and (b) so I wouldn't have to blindly accept the advice of the ""experts"" even when the stock market is crashing. I have used Investools.com, and TDAmeritrade's Think-or-Swim platform.  I've learned a tremendous amount from the Investools training.  I recommend them.  But don't expect to learn how to get rich from them or any training you take. The TDA Think-or-swim platform I highly recommend BECAUSE it has a feature called ""Paper Money"".  It lets you trade using the real market but with play money.  I highly recommend ANY platform that you can use to trade IN PAPER money! The think-or-swim platform would allow you to invest $30,000 in paper money (you can have as much as you want) into any stock.  This would let you see if you can make more money than your current investment advisor.  You could invest $10K in one SPY, $10K in DIA and $10K in IWM (these are symbols for the S&P 500, Dow 30, and Small Cap stocks).  This is just an example, I'm not suggesting any investment advise! It's important that you actually do this not just write down on a piece of paper or Excel spreadsheet what you were going to do because it's common to ""cheat"" and change the dates to meet your needs.  I have found it incredibly helpful to understand how the market works by trying to do my own paper and now real money investing. I was and you will be surprised to find that many trades lose money during the initial start part of the trade because it's very difficult to buy at the exact right time. An important part of managing your own investments is learning to trade with rules and not get ""emotionally involved"" in your trades. (3) Return on investment. You were not happy with $12 return.  Low returns are a byproduct of the way most investment firms (financial planners) take (diversification).  They diversify to take a ""hands off"" approach toward investment because that approach has been the only approach that they have found that works relatively well in all market conditions.  It's not (necessarily) a bad approach.  It avoids large losses in down markets (most riskier approaches lose more than the market).  The downside is it also avoids the high returns.  If the market goes up 15% the investment might only go up 5%. 30K is enough to give to multiple investment firms a try.  I gave two different firms $25K each to see how they would invest.  The direction was to accept LOTS of risk (with the potential for large losses or large gains). In a year that the market did very well, one lost money, and one made a small gain.  It was a learning experience.  I, now, have taken the money back and invest it myself. NOTE: I would be happy with a guy who made me 10-15% year over year (in good times and bad) and didn't talk with me, but I haven't found someone who can do that. :-) NOTE 2: Don't believe what you hear from the news about the stock market being up 5% year to date.  Do your own analysis. NOTE 3: Investing in ""the market"" (S&P 500 for example) is a great way to go if you're just starting.  Few investment firms can beat ""the market"" although many try to do so.  I too have found it's easier to do that than other approaches I've learned.  So, it might be a good long term approach as well. Best wishes to you in your learning about the market and desires to make money with your money.  That is what is all about."


"I always hesitate to provide an answer to ""how does this affect my credit score?"" questions, because the credit agencies do not publish their formulas and the formulas do change over time. And many others have done more reverse engineering than I to figure out what factors do affect the scores. To some extent, there is no way to know other than to get your credit score and track it over time. (The credit report will tell you what the largest negative factors are.) However, let me make my prediction. You have credit, you aren't using a large percentage of it, and don't have defaults/late payments. So, yes, I think it would help your credit score and would build a history of credit. Since this is so unusual, this is just an educated guess."


"Index funds do leech a ""free ride"" on the coattails of active traders.  Consider what would happen if literally everyone bought index funds.  For a company there would be no motivation to excel. Get listed; all the index funds are forced to buy your stock; now sit on your derriere playing Freecell, or otherwise scam/loot the company.  Go bankrupt. Rinse wash repeat.  This ""who cares who John Galt is"" philosophy would kill the economy dead.   Somebody has to actually buy stocks based on research, analysis and value.  Company managers need to actively fear, respect and court those people.  They don't need to be mutual-fund managers, but they do need to be somebody.  Maybe activist investors like Warren Buffett will suffice.  Maybe retirement fund or endowment managers like CalPERS or Harvard can do this.  Better be somebody!  I'm all for index funds... Just saying only a fraction of the market's capital can be in index funds before it starts into a tragedy of the commons."


"If it isn't measurable, his quote makes no sense.  ""People ought to be paid in a way that bears some relationship to the value they contribute to society... which can't be measured.""  Somehow I doubt that's what Keynes was thinking."


"[This is article is by an industry shill:](https://www.nytimes.com/2014/02/10/us/politics/fight-over-minimum-wage-illustrates-web-of-industry-ties.html)  >""But something fundamental goes unsaid in the institute’s reports: The nonprofit group is run by a public relations firm that also represents the restaurant industry, as part of a tightly coordinated effort to defeat the minimum wage increase that the White House and Democrats in Congress have pushed for.""  -  >""The major reports released by the institute are prepared by outside academics, like **Joseph J. Sabia**, an associate professor of economics at San Diego State University, **who has collected at least $180,000 in grant money from Mr. Berman’s group over the last eight years to deliver seven separate reports, each one concluding that increasing the minimum wage has caused more harm than good — or at least no significant benefit for the poor.**"""


So you're the dumbest guy in the thread so far, congrats. I mean that as fucking mean as possible, because someone needs to shock you motherfuckers out of the stupid you are infected with, being nice, patient, and thoughtful hasn't worked at all so far. That said, I'll gladly try to help you find your way back to the world the rest of us actually exist in if you ask.


I see, I want to make it clear that I respect your reply so you don't misinterpret my response but on the other hand, I feel that finance is filled with people who don't know what the heck they're doing.  I think half these people were lucky enough to get into the finance world, if that's the case, then grooming at an early age isn't really necessary.  Just that you have a nice smile, handsome mug, and are a natural charmer.  I think those assets go a long way in talking yourself into a job...  what do you think?


We specialise in bike sheds, but have a bespoke service and can design and build pretty much anything.  We are sending two sheds to California next week, and already have one in Texas, as well as across Europe.  Our website is www.thebikeshedcompany.com  Being able to export without incurring huge shipping costs is our current challenge.


Convexity refers to vega. Gamma refers to delta. Negative carry refers to time decay.


I would say you are wrong. I think you're underestimating a good warehouse worker. There is a skill set involved, and many do not have it. Sadly, many people don't know any better than to arrive high, drunk, hung over, late, or not at all on a regular, for starters. Most warehouse workers don't just lift heavy things anymore. In fact, probably the majority never lift anything heavy at all. They run power equipment. Big, expensive, dangerous power equipment that does most of the lifting. Again, not everyone can handle that. One power equipment accident can end up costing the company tens of thousands of dollars.   Aside from that, the people performing those jobs are hardly the only employees present. Someone has to check in the trucks, audit the receivers, distribute the work of sorting, coreograph the loading and distribution of product out to the stores, maintain the computer systems, and a thousand other small tasks on a daily basis. I can assure you these positions require a whole lot more skills than the average loom worker in the 1800s was required.  Really, I find it scary how much you are devaluing these people. The fact most well-paying warehouses constantly go a few hands short is testiment to the fact good people are not actually a dime a dozen.  Edit a word.  Ninja Edit:  Another thing about this is that you seem to want to believe people had a choice in not developing whatever killer skillset it is you think makes you better than them. The reality is many very intelligent people cannot afford college. They don't have parents willing to give them a dime or a leg up, or their parents simply do not have the dime or the leg up to give them even if they wanted to. They're smart, but had to work during high school to support a portion of their own expenses, and that hurt their grades a bit. Or they were young, idiotic, and had little guidance because their parents were constantly away working their arses off for a pitance to survive on, so they goofed off in high school more than they ought resulting in an inability to qualify for scholarships. Suddenly, they're grown. They have to provide housing, food, and whatever for themselves, so they get crap jobs thinking they'll find a way to parlay that into skills or education when the reality is most employers just want to suck as much out of the employee for the least possible contribution. Any general manager of a large facility will tell you bragging rights on the golf course are to he who spends the least for the most work done. The majority of low skill low pay workers would gladly go back to college if only they could. Even if they can somehow scrape together the cash required - now over $8k a year for tuition, a crappy dorm and a food ticket at state colleges in my state, and books will run you $500 a semester for many majors - there is the issue of time. After working a grueling hopefully full-time job, they'd need to find it in them to stay awake during class and to complete assignments. On top of that, there is the question of timing. Especially in low skill jobs, it is usually required that the employee be available at company pleasure. Try finding a school in your area which has the classes you need times you can attend. Good luck with that. But wait! There are government subsidies! Yeah, good luck with that as well. If you've been working any half-decent job and apply, and are under 25 and your parents also make half-decent wages, you will be lucky to be offered loans. They aren't even low interest loans anymore. Also, god forbid your parents have a little emergency nest egg saved up from years of hard labor in the salt mines. Or - horrors - own a small, crappy, cookie-cutter, not-aging-well tract home free and clear. That'll cost you big in financial assistance from the goverment.


"Simple and straight-forward.  ""I'm sorry but I don't co-sign loans.  I've heard horror stories (or had bad experiences if you actually have) about these things going bad and ruining friendships.  Your friendship is more important to me than you getting this car/stereo/whatever.""   You could go on to explain that it's not necessarily a lack of trust in them, but the problem could be cause by things beyond either of your control.  Let's say there's an error at the bank and his payment doesn't get processed on time and it hits your credit score.  Next thing that happens is your credit card company sees the change in your score and jacks up the rate on your card.   Neither of you did anything wrong, but now instead of him just fighting with the bank about the payment not getting processed on time, you are having to fight with your credit card company.  You are both in an awkward situation.  You might get pissed at him (you could make this out to be a failing on your part) even though it wasn't his fault.  Or he might be embarassed to come around even though you know it wasn't his fault and aren't pissed at him."


No worries. But while we are on the topic, how do you feel about it if you don't mind me asking? I am curious to hear what other people think an ideal solution would have been if they don't agree with the decision.


We don't have all the relevant numbers to give you the perfect answer. Knowing your income is pretty important for this question, but, since you have 200K in student loans, I'm going to guess (and hope) you probably make more than 80K/yr which is the cutoff for deducting student loan interest. (It starts phasing out once you make over 65K and fully phases out at 80K, or 160K if you're married.) Even if you make less than 65K, you can only deduct a max of 2500/yr in student loan interest and you'll be maxing that out for at least the next 4 years. So, my take is: Throw it at the student loan. Your mortgage interest is (probably) fully deductible, which means your mortgage interest rate is effectively reduced by your tax bracket. E.g. if you are in the 28% tax bracket a 4% mortgage rate would effectively become 2.88%. Outside of that, if you were to make minimum payments on your mortgage and student loans starting now, as soon as your student loan is paid off I would start making that same student loan payment amount towards your mortgage. This way you won't have any change in cash flow, but it will significantly lower the term of your mortgage. (Which is what would happen if you choose to pay down the mortgage now, but then you don't get the tax advantage on the difference.)


If you have good ideas to make the memorial vacation in escape rooms, then you should choose the most beaches in Florida. As you know, everyone wants the fabulous service in their budget and spend the time with your family. The escape rooms are designed beautiful location that's a very nice place in USA. There are so many reasons to come here, we have sweet 16 ideas west palm beach party. West Palm Beach Escape Rooms is one of the great adventure for the particular occasion. If you would like to play the escape room's games, that's very amazing and funny activity inside the escape rooms, where given you a mission such as a target that you will have to complete in a given time.


Yes you can.  This is known as a short selling against the box.  In the old days, this was used to delay a taxable event.  You could lock in a gain without triggering a taxable event.  Any loss on one side of the box would be offset by a loss on the other side, and vice versa.  However, the IRS clamped down on this, and you will realize the gain on your long position as soon as you go short on the other side.  See http://www.investopedia.com/terms/s/sellagainstthebox.asp. As to how to initiate the short cover, just transfer the long position to the same account as your short position and make sure your broker covers the short.  Should be relatively easy.


449 of the 500 companies in the S&P 500 used 54% of their earnings to buy back shares for over $2 trillion.   Rather than invest in development, capital, human capital, bigger dividends, they're repurchasing shares to boost their EPS and increase share value in the short term. Why is this an issue? Because it shows that these companies are uneasy about the long term. It stunts growth. Doesn't have to be research, simply expansion or rewarding employees/shareholders. Employees of the company receive no benefits and bagholders may make a quick buck short term, but suffer long. Execs of the company however get fat AF checks for hitting target ratios and price. Stock buybacks enable this.


You have many options, and there is no one-size-fits-all recommendation. You can contribute to your IRA in addition to your 401(k), but because you have that 401(k), it is not tax-deductable. So there is little advantage in putting money in the IRA compared to saving it in a personal investment account, where you keep full control over it. It does, however, open the option to do a backdoor-rollover from that IRA to a Roth IRA, which is a good idea to have; you will not pay any taxes if you do that conversion, if the money in the IRA was not tax deducted (which it isn't as you have the 401(k)). You can also contribute to a Roth IRA directly, if you are under the income limits for that (193k$ for married, I think, not sure for single). If this is the case, you don't need to take the detour through the IRA with the backdoor-rollover. Main advantage for Roth is that gains are tax free. There are many other answers here that give details on where to save if you have more money to save. In a nutshell, In between is 'pay off all high-interest debt', I think right after 1. - if you have any. 'High-Interest' means anything that costs more interest than you can expect when investing.


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