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First it doesn't take $245,000 to raise a child for 18 years.  [A child costs only $1000 in their first year of life if you stick to the basics.](http://www.amazon.com/Bringing-Up-Baby-Thousand-Dollars/dp/1495363953/ref=sr_1_fkmr0_1?s=books&ie=UTF8&qid=1408502043&sr=1-1-fkmr0&keywords=Bring+up+baby+dody+mitchell)  This is just more media lies base on bullshit and conjecture.  Beyond that, by 18, I expect the child to require about $100 a month in groceries.  That's $1200 in food everyone.  You could spend less than $2400 per year from 13 up.


Saving for retirement is important. So is living within one's means. Also--wear your sunscreen every day, rain or shine, never stop going to the gym, stay the same weight you were in high school, and eat your vegetables if you want to pass for 30 when you are 50.


I really like Value Investing by Bruce Greenwald. It's not a textbook so you can probably pick it up for about $20. While it is dense, I think with some patience you might be able to understand it at the undergrad level. The process outlined in the VI book is very different from the conventional corp finance way of valuing a company.  A typical corp finance model would probably have you model cash flows 5 or 10 years out and then assume some sort of terminal growth. The VI book argues that it's nearly impossible to predict things that far out accurately so build your valuation on what we know. Start with the balance sheet. Then look at this year's earnings. Is that sustainable?  This is a simplification of course but I describe it only so you can get the idea. I think it's definitely a worthwhile read.


I appreciate the reminder of demographic issues, but the argument is weak. There are structural issues like low wages, increasingly part time jobs, student debt, automation, Boomer asset selloffs/deleveraging, and energy headwinds.  Houses are not sold just because a large cohort shows up. It's when they have the money. And the last crash dug so deeply that we are poised for another recession sparked by shale peaking within 2 years, just when we climbed out of the hole.


This is good for the 2008 crisis, but not as good for the sovereign debt crisis. I did see a good one a few months ago where it was a monolog on the audio and the video was a hand drawing on a whiteboard. I've searched for a while now, though and can't find it.


Where does the accounting come in?  Is that in addition to your other undergraduate? I am still confused.  Regardless, I wouldn't really worry about calling it a double major.  Just list each degree. If received at the same time and with the same GPA I would list on one line.  If the degree is distinct (separate GPA, received at separate time) then make a new line.


There seems to be a contradiction here: Home warranties not worth paper they're written on and: What struck us is that the HWC [...] immediately had the unit replaced. There is a huge difference when you buy the insurance yourself and when a bank forces you to buy one. Because in the latter case, the insurance is not for you, it's for the bank to protect their collateral (which is your asset as well). It becomes obvious when a claim comes up, because the insurer is not negotiating with you, it's negotiating with another large financial institution. And as far as the stereotype of banks being ruthless behemoths goes, in this case you happen to benefit from being on the behemoth's side and the insurer simply can't brush off a bank as much as it can brush off a person like you. As you've put it, a house in Phoenix without AC is not worth much, so the bank could not let that happen. Because in case of another foreclosure they would have to fix the AC anyway.


> If corporations are already so flush with cash they only inflate the stock market, why would further tax breaks improve anything?  US Companies are hiding cash in oversea tax havens like Ireland and the Bahamas until tax rates go down or they are given amnesty so they don't have to pay exorbitant taxes that other companies who they compete against in other countries don't have to pay.   When that money eventually comes back to the US, investment of the repatriated money will be infused into the economy through capital investments (factories, new ventures and hiring people) which will benefit the economy and will create jobs and other benefits.


Meh, it was probably a little of both the story and others I've seen call it a meeting that included a photo op with the president.  But I can see the logic there.  Not sure what principles you are referring to here.  But again, to each their own.  Everyone has their own set of principles.  They very rarely match up exactly with others especially across ideological lines.    I never said he should.  I said I was not surprised he didn't.  The real question is why should we care if he did or didnt.


"Does her dad still have the records from those tax years? If so, I would suggest using those as a basis and if they're complete, just filing them directly. If we're talking about software recommendations, I would suggest GenuTax as it allows for completing returns all the way back to 2003 without buying separate versions. Alternatively, there are some no-cost options. See the Wikipedia entry Comparison of Canadian-tax preparation software for personal use. Look both at the ""Price"" column and at the ""Freebies"" column. You should start at 2006 and move forward so you can keep track of carry-forward amounts. I'm assuming your girlfriend had no balance owing from those years as she was a student so there's no penalty to worry about."


I have some more inputs to investigate: India has dual tax avoidance treaty signed with european countries so that NRIs dont pay tax in both countries. Please check if India has some agreement with Swiss Also for freelance job that is delivered from India, u need to make sure where you have to pay taxes as you are still in India so the term NRI will not hold good here. Also, if Swiss company is paying tax there, and you are  a freelancer from India(resident in india) how to tax filing /rate etc has to be investigated. Also, can you apply for tax back from swiss( a portion of tax paid can be refunded eg: in Germany) but I dont know if this is true for Freelancers and also for people out side SWISS. Bip


"This is the best tl;dr I could make, [original](https://itif.org/publications/2017/07/05/why-expanding-rd-tax-credit-key-successful-corporate-tax-reform) reduced by 76%. (I'm a bot) ***** > In their effort to find &quot;Pay-fors&quot; for a lower corporate rate, some have suggested that Congress reduce or even eliminate the R&D tax credit, a tax incentive for companies to invest more in R&D that has been in force since 1981.  > We should follow the model from other nations, many of which have not only reduced statutory corporate tax rates but also expanded, sometimes significantly, their tax incentives for business R&D. In fact, the United States continues to lose ground compared to other nations when it comes to tax incentives for research, falling from 10th among OECD nations in 2000 to 25th today.  > While ITIF does not believe that corporate tax reform should be revenue neutral, at least on a static scoring basis, one way to pay for at least some of the static revenue loss from lower rates is to eliminate many special tax breaks.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6m6m00/why_expanding_the_randd_tax_credit_is_key_to/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~162833 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*: **tax**^#1 **credit**^#2 **research**^#3 **rate**^#4 **corporate**^#5"


Full disclosure:  I work for Amazon.  All we do is lower prices because it benefits the customer and builds trust.  I'm not in the kindle or books teams but I know that they have been held back by the publishers from setting prices as they see fit.  I'm pretty sure Amazon is doing whatever it can to bring this price fixing to the light of day so that they can have the freedom to price as they see fit.  This is why when you try to buy a book it will tell you if the price is locked by the publisher on the amazon site.  oh and I should probably drop a source :) http://www.guardian.co.uk/books/2011/dec/06/ebooks-price-fixing-apple-inquiry


"> Because something is legal doesn't make it the ethical choice.  > > You fail to demonstrate what is unethical about minimizing tax burdens.  Operating in a country that allows you to make profit, in my opinion, establishes a duty to pay one's fair share of taxes.  Paying legislators to make laws enabling tax avoidance is, in my mind, unethical.  Clearly we have a different idea of what is ethical and not. > corporations making huge profits using the infrastructure of the region  > >Did the corporations have an option to refuse using that infrastructure, and instead provide their own or work with others to develop a competing infrastructure?  Yes.   > Keep in mind that these favorable tax laws were lobbied by  corporations with the intent to avoid taxes in mind.  >>You have failed to support any argument that there is anything wrong with minimizing tax burden.  That's like your opinion man.  I don't think minimizing taxes by paying off legislators is equitable...call me crazy.  >If I'm walking behind someone and they happen to drop a $100 bill without noticing, I can certainly pick it up and put it in my pocket legally, but its hardly the moral thing to do.  >>A more relevant example is if I order a pizza, have it sent to your house, then show up later with a bill for the pizza and my costs to send it to you, demanding you pay it. You never asked for the pizza, maybe you didn't want the pizza, maybe you didn't eat the pizza, maybe you don't like pizza, or don't like that kind of pizza. That I choose to send you a pizza does not obligate you to pay for that pizza.  Lost me on this one bro...I thought we were talking ethics...not surprise pizzas.  How about this one:   I go to your house, use your kitchen and ingredients to make a pizza, sell the pizza for a profit and give you nothing even though we had an agreement that if I could make a profit I would give you some.  However, I decide to talk to your roommate and give him a measly dollar to say ""forget about it bro...I said it's cool""."


"Well, it's directly depositing money in your account, but Direct Deposit is something completely different: https://en.wikipedia.org/wiki/Direct_deposit Direct deposits are most commonly made by businesses in the payment of salaries and wages and for the payment of suppliers' accounts, but the facility can be used for payments for any purpose, such as payment of bills, taxes, and other government charges. Direct deposits are most commonly made by means of electronic funds transfers effected using online, mobile, and telephone banking systems but can also be effected by the physical deposit of money into the payee's bank account. Thus, since the purpose of DD is to eliminate checks, I'd say, ""no"", depositing cash directly into your account does not count as the requirement for one Direct Deposit within 90 days."


Short answer: yes. Long answer: you have to check with Desjardins if you can buy other funds using their broker, but if not you can just open another RRSP account with a better broker who gives you this option. You can open an many RRSPs as you wish. If you are really unhappy with Desjardins, you can then transfer your money from there to your new broker without being exposed to tax. http://www.getsmarteraboutmoney.ca/en/managing-your-money/investing/rrsps-for-retirement/Pages/RRSP-transfers.aspx#.VlOBSHpVKlM


And it is good to note that those in minimal wage jobs (or low wage jobs) would likely spend all their gained spending power on businesses that hire minimum wage workers in the local economy.   Almost all of their gains, would go directly back into the economy, not savings accounts or investments.


It's a persistent myth that the US has any trouble whatsoever selling its debt. No country with it's own fiat currency has trouble selling debt.  Of course there is a limit to it and that limit comes in the form of inflation via currency weakness. The dollar is, in fact, still near historic highs even though it has come down some recently.  I would not be the slightest bit concerned until the DXY is down in the 70s.


My father in law was a teacher and became paralyzed. If it weren't for unions he would have been completely screwed. My husband told me they were destitute before the union came along. Their wages went up and he was covered when he finally could no longer work.


The company provides the best gold mining services in the world is. This company authorization of the government in the United States. The Western mining limited is most important to the Gold mining. The Western Mining Limited is a number of the quickest growing gold mining producing place in the global with a protracted history of gold production and is USA's 1st largest manufacturer of gold in the world.


Trading and investing are very, very different activities.   Investing is (very generally) done for the longer haul, by people looking for a reasonable return, determined largely by the long term prospects of the business in which they invest, accepting some moderate risk, usually around the prospects of that business.   Trading is (very generally) done shorter term (seconds to days/weeks), and can involve significantly higher risk, usually focused around market conditions and players at the time of the trade. To reiterate, these are gross generalizations, but if you are just starting out:  (a) you probably want to be investing, rather than trading; and (b) you may be best served by understanding as well as you can the difference between the two.  Once you understand that difference, that will lead you to learning resources on each.


Let's put uninformed comments in perspective.  If you fail to read and are completely uninformed, you're wasting even more valuable resources:  > The typical gunshot victim can expect to rack up over $5,000 in emergency room costs, according to the study. If the injury is severe enough to warrant a hospital stay, the average cost balloons to nearly $100,000.


The smaller and more quantifiable and consistent risks will probably result (obviously in addition to smaller premiums) in a smaller spread in favor of the insurance company since there is a lot more leverage for companies like Tesla to negotiate with to drive down prices. It may reduce costs for Geico but it sure as hell will reduce profits too.


I don't get why a section of people are getting better pay or benefits, be they public or private, is a problem. They're performing a service for the public and the public pays for that service through their taxes.   Complain about government workers, refuse to maintain or raise pay rates in order to attract better workers.   Also, there are pay freezes in sectors of federal and lots of state governments. Who's wages are getting higher?


From http://financial-dictionary.thefreedictionary.com/Business+Fundamentals The facts that affect a company's   underlying value. Examples of business   fundamentals include debt, cash flow,   supply of and demand for the company's   products, and so forth. For instance,   if a company does not have a   sufficient supply of products, it will   fail. Likewise, demand for the product   must remain at a certain level in   order for it to be successful. Strong   business fundamentals are considered   essential for long-term success and   stability. See also: Value Investing,   Fundamental Analysis. For a stock the basic fundamentals are the second column of numbers you see on the google finance summary page,  P/E ratio, div/yeild, EPS, shares, beta.   For the company itself it's generally the stuff on the 'financials' link  (e.g. things in the quarterly and annual report,  debt, liabilities, assets, earnings, profit etc.


THANK YOU so much! That is exactly what I was looking for.  Unfortunately I'm goign to be really busy for 7 days but I'd love to tear through some of this material and ask you some questions if you don't mind.  What do you do for a living now? Still in real estate? Did you go toward the brokerage side or are you still consulting?  What's the atmosphere/day-to-day like?


So, you don't necessarily have to have your job be your life to work in finance. That's good to know, and makes sense, since surely there aren't enough Type A's to populate an entire, large, industry.   Man, I don't understand how one could work 100 hours a week for more than maybe one week. It would seem like basic needs such as sleep would become difficult with that level of work.


The state of Massachusetts, for one. If you get divorced there you have to pay child support until the kid is twenty two.   The custodial parent, usually the mother, can decide to send the kid to an Ivy League school if the kid is accepted there and the other parent has to pay for at least half the cost, if not more.  I'm not complaining. I didn't get divorced there. But I knew a couple that did and that's where I learned this strange fact.


Generally, banks will report your loan to at least one (if not all three) credit bureaus - although that is not required by law. The interest you're paying, in addition to your insurance isn't justifiable for building credit. I would recommend paying the car off and then perhaps applying for a secure credit card if you are worried about being rejected. Of course, since you have very little credit, applying for an unsecured card and getting rejected won't hurt you in the long run. If you are rejected, you can always go for a secured credit card the second time.  As I mentioned in my comments, it's better to show 6 months of on-time payments than to have no payment history at all. So if your goal is to secure an apartment near campus, I'm sure you're already a step ahead of the other students.


"Alright bud. I'm sure you're a smart and nice person who just wants people to earn as much as they possibly can (at least I hope you are), so let's look at it logically.   You are suggesting people that are unskilled / uneducated lack the ability to negotiate in their favor and a government law must be placed to help them. However, the effect of a higher minimum wage means you now force that very individual to compete with more people for that same position. This is because there's not a lot of competition for a job that pays say $8/hr because skilled people don't apply to them. The higher you set that minimum wage like the ""livable wage"" of $15/hr that I hear so much about, the more skilled people will apply to these positions because they now pay more. What makes you think an unskilled / uneducated individual will be able to find employment in this competitive environment? You are assuming that people earning minimum wage today will continue earning a minimum wage even if a higher minimum wage law is passed.   Also remember that employment goes both ways. Just as a potential employee has the freedom to walk away from a wage he doesn't like, an employer is free to not hire an employee for a given wage. An employer does not hire personnel that provides value less than the wage paid because that employee now costs the employer to keep him retained. So when you enforce a minimum wage which states an employer must at a minimum pay a certain wage, you forcibly fire all the employees that do not merit that wage. You effectively take away the 1 bargaining chip unskilled and uneducated individuals can offer which is offering to work for lower wages."


And losing market share.   Which means that an increase in prices (which is why their margins are improving) means a loss of market share.   Their entire investment thesis as a company is that by subsidizing prices they can capture market share and slowly raise prices. This data proves that thesis untrue.   Uber is fucked*.    *if they stay on their current path.


Par value of common stock is essentially a historical artifact; it is a price at which the company will redeem shares directly.  If common stock has any par value at all, it is always so low that no one would ever redeem, preferring to sell in the market at a better price.  Par is obviously much more relevant to debt securities than equities. So you do need a strike price.  ljwobker's letter is a typical one, in that companies often make the strike price for granted options a formula based on the market price of the stock at the time of the grant, say 100% of market or 110% of market.  But you will obviously need to find out what strike your company is offering.


Wishful thinking.  Like it or not, we exist in a global economy today. The U.S. has certain competitive advantages in that economy, and we need to build/expand them, but cheap labor is not one. The days when assembly/manufacturing workers could union up and command high wages (or, increasingly, even middle-class wages) are basically gone. And as another commenter here alluded to, workers can choose to take a job at lower wages, or... not have a job.  Go ahead and complain about CEO pay if you want. It doesn't change the basic argument of labor supply vs. demand that sets wages. Workers aren't owed some % of company profits.


Income inequality has been increasing quite a bit.  This means the rich are getting richer, with everyone else getting poorer.  The handful of rich peOple can't generate much economic activity.  They, for example, only eat 3 meals a day, buy a few cars a piece, own a few homes apiece, etc.  The massive numbers of people in the middle and lower cannot buy as much stuff as they used to.  For example, they eat out less; hold off buying that new car; go to fewer concerts, don't go on vacation, etc.   This lowers demand all around.  Less demand equals less economic activity.  Governmental austerity will only make matters worse, as this will lower demand even more, producing less economic activity.  This has been and continues happening in Europe big-time.  Germany is pretty the only country that ramped up government spending in the last few years, and bought their way out ofmtheir recession.  Greece, on the other hand, has had nothing but austerity and is circling the drain.    Tl;dr 1% lots of money can't spend enough--99% little money, just can't spend.


The $10,000 is not taxable to either of you, but the $500 is taxable income to you - and a deductible business expense for your friend.


My wife and I have two Schwab brokerage accounts, one for retirement and one for non-retirement investments.  The latter also has a checking/savings account which we use as our main account.  Schwab is very happy with us, as we are cheapskates and save a lot of money.  The checking account, which seems to act like any ordinary checking account, gives us all the things listed above.  They pay the ATM fees, which is not a lot of money, but seems like a nice thing to me.  We can also do cash deposits and we can go to any Schwab branch to talk to someone face to face.  We've only had to do the latter once in 10 or so years, and the former maybe once or twice.


"The article ""Best Stock Fund of the Decade: CGM Focus"" from the Wall Street Journal in 2009 describe the highest performing mutual fund in the USA between 2000 and 2009. The investor return in the fund (what the shareholders actually earned) was abysmal. Why? Because the fund was so volatile that investors panicked and bailed out, locking in losses instead of waiting them out. The reality is that almost any strategy will lead to success in investing, so long as it is actually followed. A strategy keeps you from making emotional or knee-jerk decisions. (BTW, beware of anyone selling you a strategy by telling you that everyone in the world is a failure except for the few special people who have the privilege of knowing their ""secrets."") (Link removed, as it's gone dead)"


thanks.  I have real time quotes, but in the contest, if you put in a market order the trade might happen at the delayed quote price and not the real time price.  Does anyone know at which price it will trade, delayed or real time?


Uber is typically cheaper, at least in my city. The app is also far superior, being able to predict your destination from just a few letters; Lyft isn't as smart (it'll find a place with the same name two states over, for example)


Tbf Finland is very nice and no one lives in Greenland, essentially. But the other user brought up a very good point as you did about Russia, being as poor as Brazil. About how inuits never formed an empire like the Aztecs.


"what does negative Total Equity means in McDonald's balance sheet? It means that their liabilities exceed their total assets.  Usually is means that a company has accumulated losses over time, but that's just one explanation.   But, isn't McDonald a very healthy company, and never lost money? Just because a company has ""always"" money does not mean it's a healthy company.  It may have borrowed a lot of money in order to operate, and now the growth is not able to keep up with the debt load. In McDonald's case, the major driver in the equity change is the fact that they have bought back over $20 Billion in stock over the past few years, which reduces assets and equity.  If they had instead paid off debt, their equity would not be negative, but their debt may be so cheap (in terms of interest rate) that it made more financial sense to buy back stock instead of paying off debt.  There are too many variables to assess that in this forum."


How and why is this considered fair (and/or legal)? Let's use an analogy.  The issue is not fairness, it is just the rules. The assets you own and the cash you receive are reported differently. If the rules don't make sense, I suggest you hire an adviser that can teach you and help you get the most out of your investments.


I'm a CPA and former IRS agent and manager. Whether you are a cash or accrual basis taxpayer, you get to deduct the expense when your card is charged. Think of it this way: You are borrowing from the credit card company or bank that issued the credit card. You take that money to make a purchase of a product or service. You now have an expense and a liability to a third party. When you pay off the liability, you do not get to take a deduction. Your deduction is when you pay for the expense. Depending on what you purchased, you may have to capitalize it.


"J.K. Lasser's Your Income Tax is, remarkably, a great read. It's a line by line review of the tax forms, and offers commentary and examples for every scenario. Of course, it's updated every year to reflect new rules and numbers.  I actually read it from cover to cover the first year I started working.  It's not going to offer convoluted strategies to use, but, you'll understand your tax return well enough to respond to the advice you encounter elsewhere.  To mhoran's point - ""Don't let the tax tail wag the investing dog.""  Taxes are important, but should take a back step to earning and investing. Those who didn't sell at the height of the dotcon bubble ""to avoid the big tax bill"" only saw in hindsight that paying taxes is part of success not failure."


The other obvious suggestion I guess is to buy cheap stocks and bonds (maybe in a dollar denominated fund). If the US dollar rises you'd then get both the fund's US gains plus currency gains. However, no guarantee the US dollar will rise or when.  Perhaps a more prudent approach is to simply diversify. Buy both domestic and foreign stocks and bonds. Rebalance regularly.


Yes and no. Assuming you have a strong password, it is still safe. The added benefit of a salt is to make even simple passwords impractical to crack.  However, the fact that unsalted passwords were obtained, there's no harm in changing passwords.  Then again, if these passwords were intercepted by something like a man in the middle attack... changing it now would result in your new password being re-intercepted.  Isn't security fun?


The IRS offers an online calculator to help you select the correct number of deductions on your W-4. The tricky part is that we're nearly half-way through the year, so if you add more deductions to offset the lower withholding during the first half of the year, you'll have to update the W-4 at the beginning of next year to correct that next year.


It doesn't make a whole lot of sense to save up and wait to make a payment on any of these loans.  Any dollar you pay today works better than saving it and waiting months to pay it, no matter which loan it will be applied to. Since your lender won't let you choose which loan your payment is being applied to, don't worry about it.  Just make as big a payment as you can each month, and try to get the whole thing out of your life as soon as possible. The result of this will be that the smaller balance loans will be paid off first, and the bigger balance loans later.  It is unfortunate that the higher interest rate loans will be paid later, but it sounds like you don't have a choice, so it is not worth worrying about. Instead of thinking of it as 5 loans of different amounts, think of it as one loan with a balance of $74,000, and make payments as quickly and as often as possible. For example, let's say that you have $1000 a month extra to throw at the loans.  You would be better off paying $1000 each month than waiting until you have $4000 in the bank and paying it all at once toward one loan.  How the lender divides up your payment is less significant than when the lender gets the payment.


"the craftsman brand (other than non-powered tools) turned into ""unsupported crap made in china"".  i had a snow blower break 3 months after i got it and it would have been $150 to fix.  i also wanted to see a toolbox that was not on display, and they wouldn't show me.  oh well, their own fault."


Compensation information is available in the annual reports (10-k filings) which are available from the SEC EDGAR system or, generally, the company's website.  Additionally, insider transactions are reported to the SEC so you can see when an insider buys or sells stock or exercises options received as compensation. Background: Nowadays board and officers seem to secretly steal money from shareholders through options and other ways. The stock buybacks that people think should boost the earnings per stock is in reality issued back to the management of the company and is a more stealth way to take money from the company compared to take higher salaries. ... How do you know this is happening if you don't know where to go to get the data needed to determine whether or not this is happening?  Do you really think company share buybacks involve just the amount of shares to pay an executive?  Apple has bought back $117,000,000,000 worth of shares from the fourth quarter 2012 through the second quarter 2016, and paid a pretty substantial amount in dividends over the same period.  Do you really think these shares were simply handed to the executives?  The huge pension funds and other huge investors would not let this slide for very long if it were even close to being true. Don't come to an unfounded conclusion then seek data to prove your position.  Look at and analyze data THEN come to a conclusion.


Ok, so if I have a 401k, when does it become mine? When I retire and start taking distributions from it? At that point, is the only thing I own what I actually take out or is the full balance mine? Who owns the 401k when I'm contributing? This is just raising more questions.


I was unaware that first-class mail was intended to be that fast. But really, the postal service is legacy infrastructure at this point. Its last major purpose, aside from spam, is servicing bills and miscellaneous government paperwork like taxes and the census for those who don't have access to the internet. The post baby-boom generations are overwhelmingly computer literate; it's not going to be too terribly long before we have mandated universal internet connectivity, like we have with telephones and electricity. At that point, the postal service will pass into irrelevance.


Landscape curbing is a very easy and affordable way to stop unwanted grass and weeds from invading the flower. That is a new and creative way of enhancing the yard. If you have a little garden in your home, that Curb Landscape is the correct method for orchestrating plants, plant embellishments, blossoms and trees in a pleasant looking scene. Checking can add additional interest to your yard territory, subsequently expanding the estimation of your home.


http://theinternettitans.com/services/social-media-management/     Social Media Management, Social Media Marketing  Social media is here, it has been here.  It is not going away and you need to either get on board or get left in the dust.  Your competition will be using social media, if not already to get their message out to your customers.


NapiGator SEO is Oxnard's premium SEO agency. We have developed a systematic, proven and brutally effective approach to SEO that is blowing away our competition at every turn. This enterprise grade SEO service, which we've made affordable for ordinary business owners, has increased rankings, traffic and the bottom line of hundreds of businesses across the globe. Call us today to find out more.


A stock dividend isn't exactly a split. Example: You have 100 shares of stock worth $5 a share (total value $500). The company wants to distribute a dividend worth 1%. You could expect a check for $5. But If they wanted to do a stock dividend they could send you 0.01 shares for every share you own, in your case you will be given a single share worth $5. Now you own 101 shares. Why a share dividend? It doesn't take cash to give the dividend. It keeps the money invested in the company. Some investors re-invest a cash dividend, some don't.  A cash dividend is generally taxable income for the investor; a stock dividend isn't. Some investors prefer one over the other, but it depends on their specific financial picture. Neither a stock dividend, a cash dividend or split changes anything.  The split changes the price to meet a goal. The cash dividend lowers the price by sending excess cash to the investors. The stock dividend lowers the price by creating new shares and retaining cash.  It company picks the message and the method. depending on their goals and situation. Remember that a company may want to give a dividend because they have a history of doing so, but not have the cash to do so. It is like a split because the number of shares you own will go up, and the price per share will go down. But a split is generally done to bring the price of a share to within a specific range. The company sees a benefit to having a stock mid priced, instead of very high or very low.


Because millionaires decided to flaunt the law, then got rewarded for it?  If ANY of these guys had attempted to just ignore the law like this, they'd have been charged criminally.   The taxi medallion system is a wreck and highly abused.  But the people who got hurt the worst here are individuals that are just trying to make an honest living.


TALYA BİTKİSEL ÜRÜNLER  Talya Bitkisel Ürünler San. Tic. Ltd. Şti.  Talya Bitkisel Ürünler 2004 yılında Antalya ' nın Kepez ilçesinde faliyete başlamış olup ; daha önce perakende faliyeti olan fabrika 2006 yılında aromatik yağ üretimi , paketleme ve pazarlama faliyetleri ile Türkiye ' nin her bölgesine yayılmıştır. 2011 yılı itibariyle gıda takviyeleri üretimi ile tüm üretimini geliştirmiştir.  Talya Bitkisel Ürünler fabrikası 5000 metrekare alana yayılmışmır ve 2000 metre kare kapalı alana sahiptir . Bütün üretimini el değmeden tam otomatik makineler aracılığı ile yapmaktadır.Tüm ürünler 6 ve 12 li olarak oluklu mukavva koliler ile paketlenip dağıtılmaktadır .   http://ekonomikfirsat.com/git_firmadetay_talya-bitkisel-urunler-antalya_63.html


If the billing cycle is 2 to 3 months, it would mean Banks have to give credit for a longer period and it makes the entire business less profitable as well as more risky compared to the Monthly billing cycle. For example the current monthly billing cycle with a date say of 14th, means if you swipe your card on 1st day, one would effectively get a credit for 30+14, around 44 days. If you swipe on last day, one would get a credit for 14 days. On an average 22 days of credit. If we make this 3 months, the credit period would increase on an average (90+14)/2, 52 days. From a risk point of view, on monthly cycle if there is non-payment its flagged much earlier compared to a 3 months cycle. On offering different dates, shop around. In the older times the cycles were different, however with individuals having several cards, and trying to optimize every purchase to maximize credit period. Quite a few banks have streamlined it to monthly cycle. Shop around and some banks should be able to offer you different dates.


Options trading at $.01 have the same position limits as other options. Self regulatory organizations set the position limits for options which can be 250,000 contracts on one side of the book, as an example. Weeklies that are expiring soon have lots of liquidity while trading at $0.01, you can see this in Bank of America stock if interested


I know I'm talking to a bot  Because prices where not allowed to increase the American people continued to drive as if oil was $3 per barrel. But if prices jumped to $6 or $9 a barrel the American people would have changed their behave on driving and started to take the bus and car-pool.  This would allow people who really need the gas to always be able to fill up.


A debit card takes the funds right from your account. There's no 'credit' issued along the way. The credit card facilitates a short term loan. If you are a pay-in-full customer, as I am, there's a cost to lend the money, but we're not paying it. It's part of the fee charged to the merchant. Thus the higher transaction cost.


You must not really understand how sales work. There isn't some magical list of people who want to hear about my product. There aren't very many ways to find a sizable amount of people who are in the market to make a purchase. To find people who are, I can cold call, advertise, and that's about it. Every successful company to ever exist started out cold calling potential clients to see if they wanted to purchase their product. The thing is, we don't care about finding people who don't want to purchase. We simply thank you for your time and move on. What we DO care about are the people who end up being interested in our product, and I can tell you this, every person who IS interested in our product is glad we called them. Plus, a cold call is not a sales call. A proper cold call is simply an informational call. The beginning of a business relationship. It is where you see if a person is interested or in need of the product you are selling and, if they are, you explain how your product can meet their need. We don't try to close the sale then and there. We simply inform. It's a highly effective way to find business, if you can handle being demonized by assholes like you.


"> Once again remember, it's ZH.   There's a Reuters cite almost immediately at the top of the story.  Do you have an updated list of the OK-to-post media sources?  > The US has had ATM limits since, well I can't even remember, with the max being at most $200 a day.  If by ""the US"" you mean ""some people at some banks in the US, depending on the rules of that bank"" then yeah - but if what you were attempting to imply is some USA-wide ATM limit ala the one being discussed, then that's simply wrong."


"I'm not sure if the rules in Canada and the US are the same. I'm as amazed as you are by the amounts of debts people have, but I can see how this credit can be extended. Generally, with good credit history and above average pay - it is not unheard of to get about $100K credit limit with a bunch of credit cards. What you do with that after that depends on your own ability to manage your finances and discipline. Good credit history is defined by paying your credit cards on time with at least minimum payment amount (which is way lower than the actual statement amount). Above average pay is $60K+. So you can easily have tons of debt, yet be considered ""low risk"" with good credit history. And that's the most lucrative market for the credit card issuers - people who do not default, but also have debt and pay interest."


We run into this all the time with our EU clients. As far as I can tell, the only requirements when it comes to invoicing have to do with sales tax, which is determined at the state level, and only in the case that items are taxable. It seems that the service provided to you is not taxable and so there is no obligation under Californian law to provide you with the invoice you need.  That said, it would be nice to provide this information to you as a courtesy. We don't provide the information typically required by EU tax authorities on our receipts either, but whenever one of our EU clients requests a more formal invoice we gladly send them one.


"Do not give them any money until you have a signed contract that releases your liability completely. It's imperative that this contract be drafted correctly. The contract needs proper consideration (money in exchange for release of liability), among other things. In other words, talk to a lawyer if you want to go this route. If you just cut them a check, there's nothing stopping them from taking your money and making an insurance claim anyway, or taking your money and then suing for ""whiplash"" or some other fake injury.  The best way is just to go through insurance. It might cost a bit more, but you're covered in case they sue."


Sorry for the harsh language, but we clamoring about the top 1% here is just like 3rd worlders complaining about the top 1% over in the USA, Europe, Australia, South America, etc... in other words it's clear that their poverty is not due to our wealth.


"I was never much of a customer but I legitimately had someone feel insulted that I would stop into a market basket to buy cigarettes during the boycott and threaten to stop speaking with me because I was being ""ignorant about the situation."" Small town pride is no joke around here and word travels fast. I grew up shopping at market basket and slowly stopped because there isn't any closer than Walmart. So trust me after this display of integrity, I have no quarrels with contributing 30 more minutes to my grocery shopping commute."


see, anyone who isn't heavy finance which truthfully is a good 80% of the business, will be fine with the transition. My issue is how to support the remaining 20% of advanced Excel users to attempt to find other (hopefully better) ways to view and change the same data. We've had these talks several times over with the technology transformation team and the main takeaway is:  - most users misuse Excel as a work-around tool to address messy data/reports, so for these processes they want us to determine if the data could come out clean and could run the desired analytics on the data straight out of the source, then would there be a need for Excel?  For some models like Monte Carlo, etc, I believe those ones are going to have exceptions. But do you think it is understandable and feasible to attempt to remove all the misuses of Excel and instead work towards a better way to accomplish the same goal? Because I do find that a good amount of spreadsheet work is sometimes just cleaning up the report/data output before the real Excel magic happens.


In fact, buybacks WERE often considered a vehicle for insider trading, especially prior to 1982.  For instance, Prior to the Reagan era, executives avoided buybacks due to fears that   they would be prosecuted for market manipulation. But under SEC Rule   10b-18, adopted in 1982, companies receive a “safe harbor” from market   manipulation liability on stock buybacks if they adhere to four   limitations: not engaging in buybacks at the beginning or end of the   trading day, using a single broker for the trades, purchasing shares   at the prevailing market price, and limiting the volume of buybacks to   25 percent of the average daily trading volume over the previous four   weeks.


"This is the best tl;dr I could make, [original](http://www.canberratimes.com.au/business/the-economy/australians-stuck-in-a-debt-trap-with-wages-having-risen-by-just-3-a-year-over-the-past-decade-20170918-gyk1o2.html) reduced by 89%. (I'm a bot) ***** > When third-quarter GDP is released in December, the absence of the contraction from a year earlier could lift annual growth close to 3 per cent, compared with 1.8 per cent in the second quarter.  > The next wage-price index will also incorporate a 3.3 per cent hike in the minimum rate and may lift the gauge above the 1.9 per cent record low it&#039;s held at for the past year.  > Its growth is behind the US and euro zone&#039;s respective 3 per cent and 2.3 per cent, Canada&#039;s 4.3 per cent and Germany&#039;s 2.1 per cent.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/7199yd/australians_stuck_in_a_debt_trap_with_wages/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~213402 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*: **per**^#1 **cent**^#2 **growth**^#3 **quarter**^#4 **wage**^#5"


Advans Industry Company LTD offering Swimming pool safety fence also to their customers. If anyone has to buy  PVC Mesh Tarp, PVC open weave mesh, batyline mesh, PP Placemat, PE Placemat, vinyl coated woven polyester mesh fabric then he or she can go to them to avail these mesh tarps and fabric at the very low rates.


Teach them that money can help solve most (if not all the problems) in life. If they truly appreciate the value of saving every single penny, eventually they will come to realize that if you don't touch your money (waste it on useless things you don't need such as eating out) that it can grow. Also teach them the value of compounding interest, even a TFSA/high interest savings account with a modest 3-4% annual ROI can be big with yearly additions and no withdrawals for a lifetime.  Tell them to take Johnny Appleseed for example. Johnny starts up his TFSA with help from mom and dad at the age of 15, let's say they put in $5000 all together. Now let's say he adds in a modest $2500 to his TFSA every year until he is 55 years old. If the TFSA has an interest rate of 4%, then when he's 55 he'll have over half a million dollars in the bank and he really didn't have to do much besides not touch it.


Local smaller stores are much less efficient than large stores like Costco and Walmart. All that would do is drive up prices and make people with minimum wages have to spend even more for basic necessities. It's a two way street.


You need to stop what you are doing right now and cut off contact with them! This is an extremely common scam. Here's how it works: They give you a check, maybe even a certified check. Usually in payment for something they are buying from you. The check happens to be for more than the sales price. They ask you to refund the difference, and pressure you to do so quickly. You will see why in a second. The check deposits fine and the money shows up in your account. Assuming the bank wouldn't do that if it wasn't a good check you let your guard down and pay them. In a couple of weeks, the bank detects that it is a fake check. They remove the money from your account, and may even report you for prosecution to local authorities for passing a fraudulent check.  Meanwhile the person has the money you gave them and you can't find them because they gave you a fake name. To add insult to injury they may also have the property you sold them.  You feel like a chump. Variants of this scam include them asking you to cash a check for them and you get to keep a part of the proceeds for your trouble. Sometimes it is presented as a work-at-home scheme.  If you feel you absolutely must complete this deal, and you shouldn't. I would suggest you ask the person for a couple of forms of picture ID and tell them you need to make sure they aren't a scammer and you are going to do a background check on them with your local police to protect yourself. I predict the person will disappear and never contact you again about the money.  Also, I suggest you talk to your bank immediately and inform them you think you might have been a victim of a scamming attempt so that you don't look like an accomplice when this is all said and done.


First of all, don't be rude-I'm trying to help here.   Second, picture this scenario-  a company manages an offshore oil rig.  The employees by law have to be paid in a certain period of time.  To send paper checks to the employees who work on the oil rig would cost thousands of dollars and the employees can't cash them anyways. Thus the company requires it's employees to have direct deposit.  One of the employees can't or won't get a bank account (yes there are people like this).  How do you pay him?  A prepaid debit card solves this problem.


Does your employer provide a matching contribution to your 401k?  If so, contribute enough to the 401k that you can fully take advantage of the 401k match (e.g. if you employer matches 3% of your income, contribute 3% of your income).  It's free money, take advantage of it. Next up, max out your Roth IRA.  The limit is $5000 currently a year. After maxing your Roth, revisit your 401k.  You can contribute up to 16,500 per year. You savings account is a good place to keep a rainy day fund (do you have one?), but it lacks the tax advantages of a Roth IRA or 401k, so it is not really suitable for retirement savings (unless you have maxed out both your 401k and Roth IRA). Once you have take care of getting money into your 401k and Roth IRA accounts, the next step is investing it.  The specific investment options available to you will vary depending on who provides your retirement account(s), so these are general guidelines. Generally, you want to invest in higher-risk, higher-return investments when you are young.  This includes things like stocks and developing countries. As you get older (>30), you should look at moving some of your investments into things that less volatile.  Bond funds are the usual choice.  They tend to be safer than stocks (assuming you don't invest in Junk bonds), but your investment grows at a slower rate. Now this doesn't mean you immediately dump all of your stock and buy bonds.  Rather, it is a gradual transition over time.  As you get older and older, you gradually shift your investments to bond funds. A general rule of thumb I have seen: 100 - (YOUR AGE) = Percentage of your portfolio that should be in stocks Someone that is 30 would have 70% of their portfolio in stock, someone that is 40 would have 60% in stock, etc. As you get closer to retirement (50s-60s), you will want to start looking at investments that are more conservatie than bonds.  Start to look at fixed-income and money market funds.


Your best bets are a Roth IRA or traditional IRA.  If you roll it to a Roth, you will have to pay taxes on the amount you roll over (unless it was a Roth 401k), however what is in the Roth will grow tax free and it will be tax free when you withdraw.  With a traditional IRA, you won't owe taxes on the money now but will pay taxes when you withdraw. You won't be able to withdraw this money until 59 1/2 years of age without paying a penalty, the same goes for your current 401k.  If you take the money (for mortgage, other investment, etc.) and don't roll it over to a qualified account, you will owe taxes on it plus a 10% penalty.  So you will only get between 60% and 70% of its value.


Agreed. The 6 is so unappreciated, it's a fantastic car. Maybe the most beautiful US sedan available and way better than the new Camery  and Accord. I thought the 2 and 5 were also great and innovative in the US but never sold well. At least they are doing OK with their auto based SUV's.


In a comment on this answer you asked  It's not clear to me why the ability to defer the gains would matter (since you never materially benefit until you actually sell) but the estate step up in basis is a great point! Could you describe a hypothetical exploitive scenario (utilizing a wash sale) in a little more detail?  This sounds like you still have the same question as originally, so I'll take a stab at answering with an example.   I sell some security for a $10,000 profit.  I then sell another security at a $10,000 loss and immediately rebuy.  So pay no taxes (without the rule).  Assuming a 15% rate, that's $1500 in savings which I realize immediately.  Next year, I sell that same security for a $20,000 profit over the $10,000 loss basis (so a $10,000 profit over my original purchase).  I sell and buy another security to pay no taxes.  In fact, I pay no taxes like this for fifty years as I live off my investments (and a pension or social security that uses up my tax deductions).  Then I die.  All my securities step up in basis to their current market value.  So I completely evade taxes on $500,000 in profits.  That's $75,000 in tax savings to make my heirs richer.  And they're already getting at least $500,000 worth of securities.   Especially consider the case where I sell a privately held security to a private buyer who then sells me back the same shares at the same price.   Don't think that $10,000 is enough?  Remember that you also get the original value.  But this also scales.  It could be $100,000 in gains as well, for $750,000 in tax savings over the fifty years.  That's at least $5 million of securities.   The effective result of this would be to make a 0% tax on capital gains for many rich people.   Worse, a poorer person can't do the same thing.  You need to have many investments to take advantage of this.  If a relatively poor person with two $500 investments tried this, that person would lose all the benefit in trading fees.  And of course such a person would run out of investments quickly.   Really poor people have $0 in investments, so this is totally impractical.


In france you have several options: A good place to starts with: 1% as of may 2015 interest is low, but's money is 100% liquid (you can withdraw antime). You got slightly superior interest rates, and have to wire at least 45€ a month on it. It gives you lots of advantages if you use it to buy a house.  You cannot use the money unless you close the account, so it's not as flexible. You get 2% rates as of may 2015 which is quite good. [If you open this account now, it's only 1% making it not so attractive. Look at Life Insurance Instead.] This one is useless: interest rate is too low. I highly recommend this one. You can open it with 0 cost with several online banks (ing, boursorama, ...) Minimum deposit should be around 1000€. Rate is flexible, but usually higher than what you get with the others. You shouldn't withdraw the money before 8 years (because of taxes, but you can still do it if you need). You can add money on it later if you want. Because of the 8 year duration, it's better to open one as soon as you can, even with the minimum amount. Open an PEL + Livret A + Life insurance. Put the minimum on both PEL + life insurance. Put every thing else on Livret A. If you are 100% sure you don't need some of the livret A money, send it to PEL. [As of 2017, PEL is not so attractive anymore. Bet on the Life Insurance instead, unless your account was open prior to this].


Okay, I'll do that. Meanwhile, what does any of that have to do with whether the claims in the above article are accurate or not?  Update: just googled; no meaningful results were returned. Can you share some links?


IMO, QE2 will likely have no perceptible impact in the near term. Keeping all of your savings in a bank guarantees that you will lose money to inflation & taxes. I'd suggest consulting a financial advisor -- preferably someone who understands issues facing someone with assets in the US and Canada. In terms of what portion of your savings should be in USD vs. CAD, that's going to depend on your situation. I'd probably want more assets in the place that I'm living in for the next several years.


The simple truth is, that the one that had to the most to gain is the one responsible and all else is misdirection.   So who gained the most and who actually had the ability and motivation to pull it off?  Lets see . .Zukerberg runs face books . . . he is a jew  Donald Trump's bankrupt son in law, kushner, is now in the White house call he shots in the middle east deal and his family making money from the influence . .they are jews  Israel is happy with their new F-35s, a promise to relocate the US embassy to Jerusalem, a hard line against Iran, that Nathanyahu keeps grinning like a jack ass . .they are jews  The Jews long lost calf worshiping Indian cousins are now the darling of America.  So getting this imbecile Donald trump in the White house has benefited the Jews the most and he has been bankrupt a number of times so he is surely their bitch on a long term basis.  They have control of the media as well as the Fed and the Treasury.  So the had the means, the motivation, benefited from it and put the blame of putting the biggest monkey that America could find in the White house on Russia, which never had the means to rig the election.  In reality, Facebook is a fucking blog page that has been over marketed to the extent that web pages are worth billions . .its a fucking dot.com scam


"Which hedge fund outperforms consistently, year after year?  Hedge funds are over-rated, and few truly outperform... nor do many actually provide a hedge as they were originally intended to do.  Some funds have great years, but only because most hedge funds take much bigger risks via derivatives... and thus they have huge down years as well.  BTW being ""VERY well-funded"" is a DISadvantage, not an advantage.  It's tremendously more difficult to make large percentage gains on $1 billion than it is to make gains on $1 million."


"I don't know what their processes are, but I've gotten a tour of an organic dairy farm and they made it clear: they *did* use antibiotics and it was no secret.  It's just that any dairy cow with an apparent infection that required antibiotics was sequestered away from the others and was not milked for the main milk tanks until it was fully recovered and the antibiotics were out of its system.  If any antibiotic-contaminated milk made it into the main milk tank, the whole batch was dumped.  I would assume ""antibiotic-free"" farms would be similar to organic farms - not that they leave diseases untreated, but that they don't do the blanket growth-stimulator usage of antibiotics, only using them in a targeted fashion."


"I'm not sure how legitimate this idea is, but when I see something like Airbnb coming into play in hospitality I think it opens a lot of potential doors.  You need to realize the full scope of staying at a hotel. Its not just the room you sleep in. There are toiletries, concierge services, taxi/rides if they flew to the area, theres a lot out there when you think about it.  Now imagine you book a place with airbnb.  If i go there will they have toothpaste? Imagine just some kind of company that provides basic toiletries for a fair price for someone who is managing a listing and provides travel items etc whether the person wants to buy in bulk expecting a steady flow to save money, or buy in set packages in smaller sets. create some kind of ""basic bundle"" including necessities etc.  This is just an example."


For tax year 2014, TurboTax Deluxe no longer supports Schedule D.*  TurboTax Premier is required if you need to use Schedule D. Alternatively, H&R Block Tax Software Deluxe will handle Schedule D at a fraction of the cost of TurboTax Premier. Update: Beginning with tax year 2015, TurboTax has reversed their disastrous decision and put the functionality back into Deluxe, making it once again an acceptable choice for the OP's situation. See this answer for more details. H&R Block Deluxe still handles this at less cost.   * Technically**, TurboTax Deluxe does include Schedule D and other schedules in what they call form mode; however, if you decide to use them, TurboTax Deluxe cripples itself, eliminating many of the features on this chart that you may have gotten used to, such as interview guidance and e-file.   ** See https://xkcd.com/1475/


"If you're doing a masters, that's awesome! Being out of school is the toughest part! First thing I'd do is lean towards IT, it just naturally makes a lot of sense (not to say not to do strategy, too but its a whole different beast). You should sit down with career services at your school ASAP. They should help guide you through the process and tell you about timelines, firms that come to campus, etc.  Since your in a MS you'd prob be applying for an Associate role. To get those you need to brush up and master a case interview (EXTREMELY IMPORTANT). Basically they sit you down in a room and ask you to solve a real world problem without a calculator. There are a number of books such as ""cracking the case"" that can help with that.   Also, go on LinkedIn and start searching for alumni that are at your target companies. Network hard, it matters probably more than the interview. They can give you a really good ideas on how to position yourself, too. I'd also look at boutique firms that specialize in Comp. Sci related work. It's easier to switch into a McKinsey from a boutique, than as an outsider.  Seems like you should be in good shape (much better than i had ignorantly assumed)! Best of luck! I hope this helps! Just remember, work hard at it and make sure it's for you!"


"And then failing at retirement because they had a fifth kid when they were in their late fifties and so they continue working even after they've ""retired.""  At leas that seems to be how it goes where I live.  More people die than actually retire."


"This one struck a nerve I see.   I also certainly understand your side- it's not ""right"" for the consumer to do it, in a strictly moral sense of the word. However, they're operating in a marketplace where Target will use any and all tricks in the book to increase revenue, including tax dodging/sheltering, lobbying against their citizens' interest, using non-union shops (see the Canadians' discussion below), etc. That is, Target is doing everything it can to gain the upper hand against consumers/employees/labor, etc, in the old ""labor vs capital"" battle.   To ask individuals to adhere to a stricter set of marketplace rules is to put ""us"" (or any individual) at a disadvantage in said marketplace. Consumers need to be able to be just as ruthless in the marketplace as corporations. In this case, Target screwed up and thus pays for it. If Target found a perfectly legal loophole, it's guaranteed they would drive the whole ship through it. I mean, there's a reason corporate taxes rates are abysmally low.   The argument I would accept is this: One could argue that the consumers, by using the gift card deal in a way that deliberately violates the terms of the contract of said card, are committing fraud. That's fine- I have no problem with saying it's wrong on that technicality. However, economics has been called the ""dismal science"" for a reason- there's no morality in a marketplace."


A call center company helps a business by many means in terms of providing phone services such as taking the customers’ calls, answering their queries, resolving their complains, providing customer support, technical support, order taking and processing and lead generation to name a few. These are the top most business operation deeds that almost every company requires.


Industrial Revolution, a term first used in the early 19th century to describe major changes in modes of production in Britain since the mid-18th century and their social consequences. However, it was quickly recognized outside as well as inside Britain that the consequences of the introduction of machinery, driven by steam power, would be felt worldwide.


"I don't think they're raising rates because of inflation fears. i think they're generically afraid of asset bubbles that they won't be able to get control of if there is an ongoing and neverending easy money expectation.  Loose monetary policy has, I think, done all it can for the ""real"" economy. All that's really left to accomplish with loose money is to inflate asset prices and that's not helping.  The governments of the US (federal and state) have not stepped up in the way they should have to fill a persistent demand gap. Notice how excited the Fed got  So why leave money loose when doing so won't fill that demand gap, all it will do is inflate assets and perhaps encourage a bubble."


Most successful leaders are not born leaders. Various personal experiences and mistakes made along the way impact upon our leadership style and ability. For many of us, another perspective and a bit of constructive help along the way can add considerable value to the process, enabling us to fine tune our skills and learn how to get the best out of ourselves and fellow team members. In situations like this, an executive coach comes in handy.


Forbes features business blog posts such as this one by Anthony Leaper, SAP.  The topic is 'your brand' and the way that a CRM solution linked to your supply chain / inventory, etc. solely for the purpose of determining whether you can meet a customers’ order for two million widgets by Tuesday, isn't enough. You also need CRM to extend the experience of your brand throughout the life of your relationship with your customer.


Slice and Dice would have the approach for dividing things up into 25% of large/small and growth/value that is one way to go. Bogleheads also have more than a few splits ranging from 2 funds to nearly 10 funds on high end.


Auto repair shops need more than just a spacious place. You need a place which is strong, efficient and provides you with the architectural freedom. Steel makes up to 70% of the commercial buildings due to its durability, great strength, flexibility and aesthetic appeal.The best part is that you get a complete auto repair steel building kit and you can easily assemble it.


Expansion of federal influence in education  Expansion of DHS Expansion of military Expansion of domestic surveillance (that's liberal now)  He blew the government up to a size not seen since FDR.  Liberal. He just doesn't line up on all of the social issues that are ultimately wedge issues.


"Gold is not an investment.  Gold is a form of money.  It and silver have been used as money much longer than paper.  Paper money is a relatively recent invention (less than 350 years old) with a horrible track record of preserving wealth.  When I exchange my paper US dollars for gold I'm exchanging one form of money for another.  US dollars, or US Federal Reserve Notes to be more precise, can be printed ad nauseam by one bank that is totally private and is never audited.  Keeping all of your savings in US dollars is ignoring history, it is believing the US Federal Reserve has your best interest in mind, it is hoping that somehow things will be different this time, it is believing that the US dollar will somehow magically be the first fiat currency to last a person's lifetime. TIPS may seem like a good hedge against inflation.  However, the government offering TIPS is also the same government that is calculating the inflation rate used to adjust TIPS.  What a great deal.  If you do some research you discover that the method for calculating the consumer price index is always ""modified"" since it is always found to over estimate inflation.  It is never found to under estimate inflation.  Imagine that.  Here is a chart showing the inflation rate as if it were calculated the same way as it was calculated in 1980. Buying any government debt is also a way to guarantee you or your children will be taxed in the future since the government will have to obtain the money from someone to pay back bonds.  It's like voting for future taxes."


The Reserve Bank of Australia's role in monetary policy has three objectives: currency stability (primarily keeping inflation within a narrow band); full employment; and improved prosperity and welfare. Its primary weapon in this, is its setting of a target for the cash rate - the overnight money-market interest rate charged between financial intermediaries. Short-term market rates closely track this cash rate target, because the Reserve Bank controls the supply of funds that banks use to settle the transactions that use the overnight money-market interest rates. Australian capital markets are liquid, with many deposits / loans being on variable-rate or short-term rates; hence changes to the cash rate quickly propagate throughout the market. NB that the changes propagate, but not all interest rates are at the same level: the absolute values don't propagate. Different interest rates will reflect different loan periods, and different (perceptions of) risks. Banks are profit-maximisers. So they won't loan at a lower rate to one borrower, if they can loan the same money to someone else at a higher interest rate (and the same or lower risk). And they won't lend money out, unless they can cover the cost of their own borrowing, plus overheads, plus a reward for the risk of the loan. Hence the home loan rates of all banks will tend to move in the same direction, by broadly the same amount, at the same time.


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The Only people confused by Trump is Trump himself and his own administration  Everybody else knows he is a retard who handled the situation so badly that North Korea is now a Nuclear state and its nots going back.  Now our eyes are on his new disasters,  1. Health Care . . .if he repeals, millions of Americans lose health care and thats a crisis, if he doesn't, he looks like and asshole  2. Iran, if he pull out of the deal and Iran goes nuclear, he looks like and asshole, if he stays in the deal, he looks like a bigger asshole  3. Afghanistan, he already looks like an asshole and he is going to look like a much much bigger asshole  4. But the thing that is really going to get him designated as Asshole in Chief is Tax reform  North Korea is over and done, they are not going to go back.  Tax reform is what we have our eyes on . . .tell us how taxing the poor through hidden sales taxes and giving the rich tax breaks is going to work for everybody.


The comparison to Zimbabwe is the similarity in recent monetary policy.  The quote is within that context.  The reason the US/Europe have enjoyed better outcomes than Zimbabwe is that they have the support/friendship of banking and global elites.  That support could include a hint of racial/ethnic favoritism.


In theory this could lead to problematic investments being made, since no individual robot would know what the others are doing.  For instance, one robot might decide to sell a certain stock or fund for tax loss harvesting purposes, but a different robot might buy the fund the next day for its own reasons.  This would count as a wash sale and would affect your tax liability, but neither robot would be aware of it, so they probably wouldn't notify you of it correctly, so you might not pay the correct tax, which would clearly be bad. Similar problems could arise, for instance, if the different robots have different rebalancing strategies, leading to an overall allocation that isn't optimal. In general the idea of these services is that the robots do complicated things that can save you (or make you) money, and they hide this complexity from you.  Without knowing exactly what they're doing, it's difficult to ensure that the aggregate action of multiple robots would still be beneficial; they could be canceling each other out, or worse.


My wife has to pay tax on that? No. This will be treated as gift to your wife.  As a son he can gift unlimited amount to his mother without any tax implication to his mother.  If the amounts are large more than few lacs, best talk to CA and get a gift deed executed. Keep the paper work intact, i.e. details of the transfer, debit to your son's account with corresponding credit to your wife's account.


I think it would be better to remove income from the equation for things people need to live. For everything else we need some kind of market. How that'll end up with automation, 3d printing, and ai sprinting towards market saturation is anybodies guess.


"Yes, Steve Jobs slllooowwwlly learned to become better as time went on. He was never great at anything except presentations.  Steve Wozniak was never bad to begin with. And he also could have learned how to be better in presentations.  Do you understand what I am trying to say here?  Bad leaders with ""charisma"" are given unlimited credit while good leaders are not given a chance because ""no charisma"".  What do you think of Elon Musk? Does he have charisma?"


OK, VERY glad you get that idea!  The problem with the ETF is: it's the monkeys-throwing-darts method. If the average (dollar-weighted) member stock in the ETF goes up, you win, but if half of them go under, and half succeed, over some time periods you will lose (and win over others).  I guess my POV is: if you can't do serious research into the expected success of an individual company, maybe it's too risky to even try betting on the whole group. YMMV. The problem with your investment plan is: you are depending on luck, and the assumption the group will increase in value over your investment period. I prefer research over hope.


If this activity were to generate let's say 100K of profit, and the   other corporate activities also generate 100K of revenue, are there   any issues tax-wise I need to be concerned about? Yes. Having 25% or more of passive income in 3 consecutive years will invalidate your S-Corp status and you'll revert to C-Corp. Can I deduct normal business expenses from the straddles (which are   taxed as short term capital gains) profit? I don't believe you can. You can deduct investment expenses from the investment income. On your individual tax return it will balance out, but you cannot mix types of income/expense on the corporate return or K-1.


I doubt it. I researched it a bit when I was shopping for a HELOC, and found no bank giving HELOC for more than 80% LTV. In fact, most required less than 80%. Banks are more cautious now. If the bank is not willing to compromise on the LTV for the first mortgage - either look for another bank, or another place to buy. I personally would not consider buying something I cannot put at least 20% downpayment on. It means that such a purchase is beyond means.


NO, you pay off the Highest interest charging accounts first. The zero interest loan should be the Last one you pay off. Basically payoff your student loan and put the extra money to the car loan


"The easiest way to find a buyer should be to ask the company to connect you to some of their other shareholders. I imagine they are much more likely to take those shares off you than a random investor on the street. Otherwise, well, talk to people. At a golf club, maybe? :) Valuation is not going to be very straightforward. Basically you'll get whatever someone is willing to pay. That's what FMV means when there's no real ""market"". Realistically, the price is mainly going to be based on divididend history and the company's assets, discounted for risk and liquidity (you're currently feeling the reason for the latter discount)."


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If you're doing a little paid work on the side I would think twice about setting up a limited company due to the expense and administrative overhead. A limited company has a couple of benefits (assets and liabilities of the company are separate from your personal assets and liabilities, which I see as a big bonus) but it's not worth it for a few hundred or even a couple of thousand a year. You can get a lot of the tax benefits simply by working as a sole trader (and you'd have to do a tax return every year) as you're still able to deduct any expenditure incurred in the process of your side business from the income and thus lower your taxes on it. You'd also want to make sure that you have a separate bank account for the side business so you don't mix it with your personal accounts (makes it easier to admin). Just keep in mind that this is for expenses wholly incurred in the process of doing business - try to claim on a PC that also doubles as a gaming rig might be an issue :). You're best off discussing this with an accountant who can talk you through the various alternatives and advise if it's worth the headache.


"Just as a matter of research, apparently there is a way to find high option volumes such as a site here: https://www.barchart.com/options/volume-leaders/stocks However, that information is going to be heavily skewed by ""underlying security that moved a lot more than expected and probably got a lot of positions filled incidentally today"", but I think it is a good place to start building up a list of securities with a lot of option interest. There is also a tab there for ETFs. This will not tell you exactly that a particular stock always has high option volume, but most of the ones that show up there repeatedly and across multiple strike prices will meet your criteria."


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He partook in exactly the behavior he condemned in his neighbors, and he managed to live beyond his means as a multimillionaire. It takes a special kind of greed and stupid for that. It doesn't matter what he did 42 years ago it matters what he's doing now, and what he's doing now is fear mongering his own employees so that he doesn't have to pay slightly higher taxes, when he's already admitted that he has all the money he'll ever need. He didn't get successful in a vacuum, he got successful in a system which helped fund his success because 42 years ago the people who were where he is today were taxed more so he could get where he is today. But his opinions aren't what I'm mad about, I'm mad because he is greedy and a bully and a liar and a hypocrite of almost incomprehensible proportions.


"I assume that whatever you're holding has lost a considerable amount of its value then? What sort of instrument are we talking about? If the margin call is 14k on something you borrowed against the 6900 you're a bit more leveraged than ""just"" another 100%. The trading company you're using should be able to tell you exactly what happens if you can't cover the margin call, but my hunch is that selling and taking the cash out ceased to be an option roughly at the time they issued the margin call. Being labelled as a day trader or not most likely did not have anything to do with that margin call - they're normally issued when one or more of your leveraged trades tank and you don't have enough money in the account to cover the shortfall. Not trying to sound patronising but the fact that you needed to ask this question suggests to me that you shouldn't have traded with borrowed money in the first place."


"Ironically, the worst financial advice I read comes from ""bankers."" The top dozen members here can be trusted to give better advice than the average banker.  Your score is not improved by maintaining a balance, only by using the card(s) regularly. No need to carry charges month to month and pay interest, rather, have the bill reflect a 1-9% utilization.  I'd recommend Credit Karma to see how the factors affect your score. FICO scoring prefers to see a large number of accounts, low utilization, high average account age, low number of inquiries, no late payments. CK will let you see a simulated score and how it changes based on these variables."


For immediate availability, by far the fastest (and cheapest) way to get macroeconomic figures as they are released, is by following (verified) Twitter accounts of the respective Central bank and institutions alike. Indeed, Twitter is the new trader tape.


One of the more frustrating things about plumbers is that they never seem to post rates up on their website and instead make you call them to get a quote.  I HATE that.  If I found a plumber website that gave me a ballpark figure of what I can expect, I would go with this person.


Every plan administrator has their own procedures for rollovers. In any case, you would start by browsing their website or calling them seeking information on rollover. You will need to arrange it with both your current and prior administrators. Usually the administrator will send the money directly to your current plan provider, keeping you out of the chain and minimizing any risks of tax complications. It may happen, though, that they have to send the check to you. In that case you will have a limited amount of time to provide it to your current plan.


"1.)  The US mint is a private business.  There's your first flaw of any argument about currency before we talk further.          2.)  That small percentage value of the penny ""not being worth your time"" is a huge fallacy.  It might not be worth anything to him, but I generally would be intent on getting a few cents back that are due to me.  Similarly, using his example of 3 cents adding 2 seconds to the transaction ends up at a rate of $54/hr.  That's quite a bit of money to be considered.          3.)  No machines take pennies.  Fair enough.  Not really the fault of the penny itself, but more so a fault of brash inflation.          4.)  Supposing the penny does get removed, the axe gets held above the neck of the nickle inevitably.  Then the dime, and so on.  You'll also see a massive disruption in handling of accounting principles and tax rates due to being forced into /5 rates.  All adjustable, yes, but it does cause a whole new mess of issues in it's own right.          5.)  Lincoln's face has nothing to do with this argument.  25 seconds worth of video wasted (that's about 35 pennies worth)."


Nice attempt at trying to obfuscate the math by suggesting your wage was half of what you actually got paid.  You were paid $9/hr, not $4.50.  Was your CEO spending billions of other people's money playing martian when he could have been paying his employees instead?


As a rule of thumb, no.  Only in very rare circumstances will it prove better than a RRSP.  The media has overplayed the usefulness of this account type for retirement savings.  That's just a general rule.  Your specific situation will make a difference but it's very easy to show that RRSPs will always outperform if the marginal rates are lower on withdrawal than when you deduct contributions from income. If you plan to use the money before retirement or you're expecting to collect GIS on retirement then you may need to look at the specifics of your situation.  If you plan to put money in a RRSP and carry forward the deduction to use at a later date then it doesn't matter whether you put it in a RRSP now or use the TFSA and transfer it later. The RRSP also has advantages of some tax treaties and creditor protection.  It (as a RRIF) can also be used after 65 for income splitting and the pension credit. An RESP can also provide a greater return as you get free money, which is always good.  There are many other things you can do with it but I'd say it's always better in a TFSA than paying tax in a regular account.   Since you pay the mortgage with after tax dollars that could be another option for the cash and it's a guaranteed return, albeit small nowadays.


> They also regularly give interest at about 12% which is good when I read about interest rates in the US being around 7%, but I feel like since this interest is basically announced after 2 years, that 12% isn't as good as it seems.  Interest is likely quoted annually, so it's not 12% for 2 years, but 12% for *each* year invested.  > That basically means that money someone contributed in July 2010 will earn interest 2 years later in 2012! I just feel like that is not how it should be done, but you can correct me if I'm wrong.  Extremely unlikely. It's inefficient and, furthermore, illogical and system-breaking. Under that, money just sits around uselessly wasting away from inflation as opposed to being invested. What is much more likely is immediate or *close* to immediate investment.   Admin costs can be accounted for several ways, but rest assured are almost certainly drawn out in relatively even payments at a set interval.


You'll still lose a little bit if you buy a put option at the current price.  No such thing as free hedging. Let's say you have 100 shares of IAU that you bought for exactly $12.50 per share.  This is $1,250.  Now let's say you bought a put option with a strike price of $13 that expires in April 2011.  The current price for this option is $1.10 per share, or $110.  You can sell your IAU for $1,300 any time before the expiration date, but this leaves $60 in time value. The price of the options will always have a time component that is a premium on the difference between the current price and the strike price.  (Oh, forgot to add in commissions to this.)


Funny, you picked just about the one business that I'm expecting to fall *because* it runs on weak market sentiment.   The moment Uber stops subsidizing their rides it will become far more viable for   localized ridesharing networks to undercut them  and ride the wave of litigation/etc their efforts passed. Not to mention their competition which have much less to pay back to their investors.   Uber users are mostly bellweather fans happy to hop to a new service that undercuts them with no love lost between them and Uber (once they use up any credits/etc they had saved up). Without autonomous, Uber's dead in the water.


That is why I love these games.  It is the educational experience without the risk.  It forces me to look at what really powers the market and how fickle it truly is, to learn how to read charts and feel the winds of change, without losing real world money in the name of learning.


Generally speaking, an interest-free loan will be tied to a specific purchase, and the lender will be paid something by the vendor. The only other likely scenario is an introductory offer to try to win longer-term more profitable business, such as an initial interest-free period on a credit card. Banks couldn't make money if all their loans were interest-free, unless they were getting paid by the vendors of whatever was being purchased with the money that was lent.


While debt increases the likelihood and magnitude of a crash, speculation, excess supply and other market factors can result in crashes without requiring excessive debt. A popular counter example of crashes due to speculation is 16th century Dutch Tulip Mania.  The dot com bubble is a more recent example of a speculative crash. There were debt related issues for some companies and the run ups in stock prices were increased by leveraged traders, but the actual crash was the result of failures of start up companies to produce profits. While all tech stocks fell together, sound companies with products and profits survive today. As for recessions, they are simply periods of time with decreased economic activity. Recessions can be caused by financial crashes, decreased demand following a war, or supply shocks like the oil crisis in the 1970's. In summary, debt is simply a magnifier. It can increase profits just as easily as can increase losses. The real problems with crashes and recessions are often related to unfounded faith in increasing value and unexpected changes in demand.


Setting aside the fears of hyperinflation and such, do you see a moral hazard with QE and increasing the money supply in general?    I understand that the idea is to stimulate spending with slight inflation (i.e. spend it now while it's worth more), but by doing so, don't you effectively punish savers and thereby undermine their economic autonomy?


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Your credit score can be part of the algorithm for setting your rates for auto insurance. It is one of many factors including sex, age, zip code, driving record, type of car... There are some states that are concerned about using credit scores, some sates have passed legislation regarding this issue


You forgot the biggest thing: Japan still controls its own currency and Greece does not.   If you don't control your currency, you have much more limited options when it comes to borrowing money. It is why US states can't borrow a lot of money, they all have to share the US dollar which no one state controls. So states are used to making cutbacks in hard times, but the Eurozone nations have not adopted this mindset.  Greece isn't in trouble because it borrowed too much, it's in trouble because it borrowed so much *and has to share the Euro*. Greece can't inflate its currency, so if they can't make a payment they default, no one wants to lend to a place that might default. If Greece had its own currency still there would be no currency crisis in Europe, just some inflation.


Fahad, in finance we make a distinction between investments that tend to grow in value and assets that hold value.  Investments that grow in value are generally related to investing in well-thought out businesses.  Investments can be done in retirement accounts through stocks and bonds but also owning part of a business directly.  Good investments make more and more money off the money you put in. Common examples of assets include gold and other non-productive property like real-estate you don't rent or cars.  You can even have some assets in your retirement account as many would argue government bonds behave like assets.  All of these things tend to (more or less) go up in value as the cost of everything goes up in value, but don't tend to make you any excess money in the long run. There is certainly a place for both investments and assets.  Especially as a young person it is good to lean toward investments as you likely have a lot of time for the money to grow as you get older.  As RonJohn suggests, in the United States this is fairly easy as retirement accounts are common there is a long history of stable financial law even in crises.  Pakistan's institutions are fairly stable and improving but still assets and investments of all types can be riskier. So, I recommend taking your father's advice... partially. Having some assets are good in riskier situations, but good investments are generally the way to grow comfortably wealthy.  A good mix of the two is the way to grow wealthy slowly while protecting yourself from risk.  You, your father and your neighbors know you local situation better than I, who has only visited a number of Pakistan's neighboring countries, so I can't really give more detailed advice but hopefully this gets you started.


>There’s actually no oil in Detroit, but the reluctance of auto executives to pursue higher fuel efficiency standards, imposes billions of dollars of cost on North American companies and car owners.  Millions of barrels of oil could be saved through higher standards.


An employee can still be fired.   A founder, in a company which took investment unwisely (which sadly is most of them, because it's so freaking complicated), can also be fired.  A founder in a company which took no investment or took investment EXCEEDINGLY carefully, cannot be fired.  That is the difference.


I don't know that FHA loans have better rates than conventional loans.  I've never heard that and some quick googling didn't yield anything (please correct me if I'm wrong). So if you have the necessary down payment to get a conventional loan, I'm not sure I see any benefit for looking at FHA loans.  I think the only benefit outside of a low down payment is the ability to (possibly) get a loan with a lower credit score.


Stated preferences vs. revealed preferences.  People say they are willing to buy American, support mom and pop shops, buy higher quality goods, be ethical consumers, etc. until it comes down to actually paying for them, when most people will end up choosing based on price.


Let me answer with an extreme example - I own the one single share of a company, and it's worth $1M. I issue 9 more shares, and find 9 people willing to pay $1M for each share. I know find my ownership dropped by 90%, and I am now a 10% owner of a business that was valued at $1M but with an additional $9M in the bank for expansion. (Total value now $10M) Obviously, this is a simplistic view, but no simpler than the suggestion that your company would dilute its shares 90% in one transaction.


Can't say I agree with most of the replies here I'm afraid - I found the insights from books such as Who Moved My Cheese, How to win friends..., Sun Tzu, Jim Collins to be highly limited.   If you need to pick up business basics there simply isn't a better book than The Personal MBA - read it cover to cover and as you come across concepts that are interesting/relevant to what you're doing, research them further. Personal MBA won't give you the depth but gives you great breadth.   You asked specifically about Project Management - I found that an appreciation of the PRINCE2 methodology really helps when planning and managing projects. http://www.prince2.com/what-is-prince2   The official textbooks on Prince2 are overpriced and not as good as others available such as: http://www.amazon.co.uk/Prince2-Study-Guide-David-Hinde/dp/1119970784/ref=sr_1_1?ie=UTF8&qid=1407186842&sr=8-1&keywords=prince2+study+guide   You asked specifically about marketing - but not sure exactly what marketing you're looking at. Personal MBA will give you a great grounding - I particularly like the concept of Permission Marketing explored by Seth Godin. Research how analytics is used in marketing to gain insights about and target customers (the whole growth hacking movement borrows a lot from this) and research the psychology behind marketing (I really liked Thinking Fast and Slow by Kahneman although it isn't specifically about this). This will give you a great grounding in the 'hard' and 'soft' sides of marketing.   Apologies for rambling response - how it was helpful!


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"Lets be clear on this, because I think you maybe misrepresenting some of the costs.  Now I'll agree that $20K is an extreme cost, but that is for 10 weeks.  Each of these camps runs a fairly normal rate for summer camp per week ($1417-2350/week)  Considering you have young children living away from their parents, and doing occasionally risky activities.  (food, housing, supervision & INSURANCE)  Most of these camps include: horseback riding, archery, cooking(""knife skills"", water skiing) which are extreme insurance hazards I'm sure..  You are looking at $202-336/day.  Try going on a vacation for this.    Now the comments regarding ""rustic experience,"" ""striped down experience,"" ""small pleasures"" are all fucking douchey to be sure, but your disbelief at the costs seems to me that you weren't considering the details and time frames given.    I dont have the money to send my kids away for one of these 7-10 week camps, but lets be clear, I'd spend $202 to send my kids away to camp for a day so I could bang the wife in the kitchen like we used to, and if I was rich I might send them away for 2-3 weeks."


>What we couldn't give less of shit about and what would get you laughed out of a conference call: the person's life circumstances, their heating bill, their three kids, or anything not strictly related to their role.  You don't give a shit about stressful conditions the employee may be in that strongly affect their ability and/or willingness to perform their role well?  You're an idiot.


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