Keep 3-6 months (or more if you need to, for me the number is 9 months) worth of expenses in an emergency fund.  Put the rest against the student loan.   The length of time depends on your situation.  I have family, and work in IT.  Changing jobs takes me longer, because ... reasons.  Having less than 6-9 months of buffer means that I have to rush and possibly take a position that is not a good fit, or get behind on payments. So, set aside your emergency fund, add to it if you need to.  Once it is fully funded, take the money you were using to fund the emergency fund and budget that to clearing student loans.  Also, don't start new credit cards, and be sure to never carry a balance on them. I know it seems like a lot, but keep in mind that yours is small, and you'll likely be able to knock it out in a very short time. Edit (after OP listed expenses): Taking into account the expenses you listed, it looks like you have about 2000 per month in expenses (if you're in emergency fund mode, luxuries can wait, and you can tighten the belt on food, so go with the lower end of your estimate.)  Lets say you have 600 a month to work with.  My suggestion would be bring savings up to $6000.  That will take you two months.  Then pay 850 a month to student loans.  You'll be paid off in a year, and still have 6000 for emergencies. Once you're done, you will have 850 a month to save and invest.  With patience, persistence and care, you can start a nest egg that will allow you to remain financially independent.  Search around for FIRE (financial independence, retire early) and other strategies for retirement savings and investing.  Be sure to save for retirement.  The worst inheritance to leave your loved ones would be to become financially dependent upon them in your later years.  And watch out for credit, it's a trap.


If I buy 10 stocks on Monday and sell the same on Tuesday (different trading day) would I be considered a day trader? No. It is only counting if you buy something and then sell that same something during the same trading session. And that counter only lasts for 5 days, things that happened outside of that time period get removed from the counter. If the counter reaches a number (three to five, depending on the broker), then you are labelled as a pattern day trader, and will have your trading capabilities severely restricted unless you have an account size greater than $25,000


"Like the old American Express commercial: ""no preset spending limit"". It is really up to the bank(s) in question how big a cheque they are willing to honour. A larger amount would likely be held longer by a receiving institution to ensure that it cleared properly, but nothing written in law (in Canada, that I am aware of)."


When you pay interest on a loan used to fund a legitimate investment or business activity, that interest becomes an expense that you can deduct against related income. For example, if you borrowed $10k to buy stocks, you could deduct the interest on that $10k loan from investment gains.  In your case, you are borrowing money to invest in the stock of your company.  You would be able to deduct the interest expense against investment gain (like selling stock or receiving dividends), but not from any income from the business. (See this link for more information.) You do not have to pay taxes on the interest paid to your father; that is an expense, not income.  However, your father has to pay taxes on that interest, because that is income for him.


There's not an ounce I've said which is incorrect. If you care to make claims like that, reinforcing them would be good, at least insosofar as others won't be needlessly vexed by what you've baselessly said thus far.


> Only way to stay ahead is get as educated as possible.   ya... only problem... Americans are basically retarded in almost every measure by international standards.  Not all Americans... but the smart ones are not staying here for much longer.


"Not sure how I came across the Motley Fool blog in the first instance, but found the writing style refreshing - then along came some free advice on ASX share prospects, then the next day and email expounding the benefits I would get by joining up for two years at 60% off if I hit the button ""now"", getting in at ground floor on the next technology stock rocket - I replied: ""What a hard sell - why wouldn't I apply the age old adage of "" If it sounds too good to be true, it probably is"" Their reply was; ""Thanks for your note. The honest answer is that despite people knowing they should do something to help themselves prepare for their financial futures, few actually do it. We find these messages actually work in getting people to hit 'yes', much better than an understated email that just says 'here are our results and our philosophy - let us know if you're interested', unfortunately. Yours Foolishly"" So I have put some of these recommendations onto a watch list, time will tell."


"> Also, if accounting suddenlly decides to hire a bunch of new employees why should the cost for the computers come out of IT's budget?   What does it even mean for something ""to come out of IT's budget?"" As far as I can tell, what it means is that you don't understand the difference between a planning tool and a t-account.  > As long as IT's budget is subserviant to the whims of other departments you can't really call it a budget at all. Rather, it is just a pool of money that anyone can dip in to.  Budgets aren't pools of money at all, they're planning tools. Actual pools of money are t-accounts. I am nearly 100% certain that your IT department doesn't not have its own t-account, though once the distinction between budgets and t-accounts are so thoroughly confused that you are commonly saying things ""come out of our budget,"" the next logical step can appear to be inter-departmental charge-backs.  The reality is that business expenses are driven by growth and constrained by cash flow. Managers must learn how to produce budgets that anticipate growth, so that cash flow can be managed by the accountants, and so that executives can make decisions about priorities.  Doing inter-department charge-backs is a way of doing this in an organization whose relationships are so fucked up that you can't do it by actually talking to each other. Have fun with that."


"This is the best tl;dr I could make, [original](https://newrepublic.com/minutes/143174/purest-supply-side-economics-experiment-date-finally-over-unmitigated-failure) reduced by 67%. (I'm a bot) ***** > The paper&#039;s editorial board weighed in on Virginia&#039;s gubernatorial race on Tuesday, backing Lieutenant Governor Ralph Northam, the choice of his state&#039;s political establishment, over former Representative Tom Perriello, who&#039;s favored by a host of national Democratic leaders, especially on the party&#039;s progressive wing.  > Reminding readers of Northam&#039;s coziness with Republicans is, as Perriello&#039;s communications director.  > He might be left of Northam on some issues, but Daily Beast special correspondent Michael Tomasky wrote on Tuesday that &quot;Perriello is about as close to a synthesis of the Hillary and Bernie wings as the Democratic Party is going to get.&quot; Perriello plausibly calls himself a &quot;Pragmatic populist.&quot; &quot;He&#039;s a diplomat, not a fiery agitator; he&#039;s a Hillary Clinton admirer and a man with a pragmatically centrist voting record,&quot; FiveThirtyEight&#039;s Clare Malone wrote in March.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6fwiav/the_purest_supplyside_economics_experiment_to/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~138920 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Perriello**^#1 **Northam**^#2 **state**^#3 **Governor**^#4 **Post**^#5"


"My recommendation is to pay off your student loans as quickly as possible. It sounds like you're already doing this but don't incur any other large debts until you have this taken care of.  I'd also recommend not buying a car, especially an expensive one, on credit or lease either. Back during the dotcom boom I and many friends bought or leased expensive cars only to lose them or struggle paying for them when the bottom dropped out. A car instantly depreciates and it's quite rare for them to ever gain value again. Stick with reliable, older, used cars that you can purchase for cash. If you do borrow for a car, shop around for the best deal and avoid 3+ year terms if at all possible. Don't lease unless you have a business structure where this might create a clear financial advantage. Avoid credit cards as much as possible although if you do plan to buy a house with a mortgage you'll need to maintain some credit history. If you have the discipline to keep your balance small and paid down you can use a credit card to build credit history. However, these things can quickly get out of hand and you'll wonder why you suddenly owe $10K, $20K or even more on them so be very careful with them. As for the house (speaking of US markets here), save up for at least a 20% down payment if you can. Based on what you said, this would be about $20-25K. This will give you a lot more flexibility to take advantage of deals that might come your way, even if you don't put it all into the house. ""Stretching"" to buy a house that's too expensive can quickly lead to financial ruin. As for house size, I recommend purchasing a 4 bedroom house even if you aren't planning on kids right away. It will resell better and you'll appreciate having the extra space for storage, home office, hobbies, etc. Also, life has a way of changing your plans for having kids and such."


You need to find out if the credit card has been reporting these failed automated payments as late or missed payments to your credit report. To do this, go to annualcreditreport.com (the official site to get your free credit reports) and request your report from all three bureaus. If you see late or missing payments reported for the months where you made a payment but then they did an automatic payment anyway, you should call up the credit card company, explain the situation, and ask them to retract those negative reports. If they refuse, you should dispute the reports directly with the credit bureaus. If they have been reporting late payments even though you have been making the payments, that will impact your credit much more than the fact that they closed your account.  Unfortunately, they can turn off your credit account for any reason they like, and there isn't much you can do about that. Find yourself another job as soon as you can, get back on your feet, pay off your debt, and think very carefully before you open another credit card in the future. Don't start a new credit card unless you can ensure that you will pay it off in full every month.


The IBAN uniquely identifies a Bank and Account number Globally. Technically only IBAN should be sufficient.   However in real world, today the way application have got developed [over a last 30 years without IBAN being in place], require Beneficiary Bank Code [identifiers], because based on that they determine how the payment needs to be processed.   Although IBAN has been adopted by more countries in Europe [plus Australia, New Zealand and more], there applications have not yet undergone the required change to fully support the real purpose or essence of IBAN. It would still be quite some time for IBAN to be truly functional.


Mutual funds (that are not exchange-traded funds) often need to sell some  of their securities to get cash when a shareholder redeems some shares. Such transactions incur costs that are paid (proportionally) by all the shareholders in the fund, not just the person requesting redemption, and thus the remaining shareholders get a lower return. (Exchange-traded funds are traded as if they are shares of common stock,  and a shareholder seeking a redemption pays the costs of the redemption). For this reason, many mutual funds do not allow redemptions for some period of time after a purchase, or purchases for some period of time after a redemption. The periods of time are chosen by the fund, and are stated in the prospectus (which everyone has acknowledged has been received before an investment was made).


Let's look at the two options.  It sounds like, at this time, the company has enough cash to pay you a salary or pay your loan off, but not both at the same time. Ideally, in the future, there will be enough cash flow to be able to do both at the same time.  If you start your salary now, when the cash flow increases to the point where the company can pay off your loan, you will continue to receive your salary while the loan is being repaid. So it is probably most advantageous to you to start the salary now and wait with the loan payments. (If you think that the company is not going to make it and there is a danger of not ever getting the loan repaid, this could change; however, you are probably optimistic about the company, or you wouldn't have made the loan and agreed to work for free in the first place.) With the other option, the company gets out of debt quicker and cheaper. I can totally understand your brother wanting to eliminate this debt ASAP.  It looks like you and your brother had different expectations about what was going to happen. That's why it is so critical to put these kinds of agreements in writing. If you had had a payment schedule in your written loan agreement, this wouldn't be an issue. Of course, the issue of how long you would continue to work for free would still be there, but this could also have been decided ahead of time. As is, you have two different things going on that were left up in the air with no formal agreement.  As to what is fair, that is something only you and he can work out. Perhaps you can propose a payment schedule for your loan that the company can afford now while paying your salary; that way, you will start getting paid for working, and the company will start moving toward eliminating the debt.  I hope that you will be able to agree to a solution without ruining the relationship you have with your brother. Besides the fact that family relationships are important, a rift between the two of you would certainly be disastrous for the company and, as a result, your and his finances.


"> She worked 14 years in security because she has no interest?  With at least 98% certainty, her getting a job in Computer Security at Equifax, despite a Musical background, is because she knows someone, or someone at Equifax knows her. Further, she got a fat salary, so why not work in this area despite having no interest in it?  Worse: no self respecting real Computer Security experts will work for her. Can you imagine a real expert disagreeing with Susan about technical things? She will get rid of him/her in 2 seconds.  Are you surprised to hear that many managers get their jobs just because they know someone or are very good in politics and back stabbing and no other talent? Without a doubt, a high percentage of managers are terrible, clueless about the area they manage and the how to manage people. Try to get rid of a manager who's obviously terrible.  **As for me, many people work for me, people I interview and decided to hire. I will NEVER hire a someone with a Music background for an IT position unless they have experience and know the job they are hired for. And even for an entry level IT position, not much experience is required, I will not hire a Music major, because, clearly, their interest is not IT. I will only hire a person who studied IT.**  Definitely, a veteran with military background is much more qualified for a security work than someone with a high school or even a bachelor degree in Music or ""Communication"".  Finally, to show you how great Susan was at Security, read below what she has to say about Information Security. Then tell me, do you really think she has any talent in that area.  [http://archive.is/6M8mg](http://archive.is/6M8mg)  > Susan: “There are a lot of things to consider with that. One school of thought says that when you put corporate assets into the cloud, they are more secure because you know exactly what you have there. You have an exact inventory, you know exactly who has access to that data, and how it is controlled.""  **This is so dumb and so incorrect and untrue.**"


I think I have been on Reddit for 2 years and I was a huge steak and meat fan until recently: my wife suggested we go vegan and after doing some research on environmental impact and practices I couldn't in good conscience continue to eat any animal products.


No, it is not. If that were the case, you would have no such thing as a growth stock. Dividends and dividend policies can change at any time.  The primary reason for investment in a company is access to a firm's earnings, hence the idea of P/E. Dividends are factored in with capital appreciation, but studies have shown that dividends are actually detrimental to future growth.   They tend to allow easier access to shareholders because of the payouts, reducing the cost of equity. But, if you reduce the growth rate as well, sensitivity tables can demonstrate deterioration or stagnation over time.   Some good examples are GE and Microsoft.


There are 2 main types of brokers, full service and online (or discount). Basically the full service can provide you with advice in the form of recommendations on what to buy and sell and when, you call them up when you want to put an order in and the commissions are usually higher. Whilst an online broker usually doesn't provide advice (unless you ask for it at a specified fee), you place your orders online through the brokers website or trading platform and the commissions are usually much lower. The best thing to do when starting off is to go to your country's stock exchange, for example, The ASX in Sydney Australia, and they should have a list of available brokers. Some of the online brokers may have a practice or simulation account you can practice on, and they usually provide good educational material to help you get started. If you went with an online broker and wanted to buy Facebook on the secondary market (that is on the stock exchange after the IPO closes), you would log onto your brokers website or platform and go to the orders section. You would place a new order to buy say 100 Facebook shares at a certain price. You can use a market order, meaning the order will be immediately executed at the current market price and you will own the shares, or a limit price order where you select a price below the current market price and wait for the price to come down and hit your limit price before your order is executed and you get your shares. There are other types of orders available with different brokers which you will learn about when you log onto their website. You also need to be careful that you have the funds available to pay for the share at settlement, which is 3 business days after your order was executed. Some brokers may require you to have the funds deposited into an account which is linked to your trading account with them. To sell your shares you do the same thing, except this time you choose a sell order instead of a buy order. It becomes quite simple once you have done it a couple of times. The best thing is to do some research and get started. Good Luck.


Hard water stains and limescale on fixed showerheads can be very tough to remove with ordinary cleaners, but with the right choice, they are easily removed. A lime scale remover cleans and removes acidic minerals effectively and leaves the surface area sparkling clean and hygienic with a fresh fragrance. There are many lime scale removers available in the market today to prevent further damage to these various components. The remover is safe to use on any type of surface and also saves time by doing most of the cleaning work for you.


There's only one real list that states what people think stock prices should be, and that's the stocks order book. That lists the prices at which stock owners are willing to buy stocks now, and the price that buyers are willing to pay.  A secondary measure is the corresponding options price. Anything else is just an opinion and not backed by money.


Simply put this has to stop. We are creating a world with abusing antibiotics that none will enjoy. Don't take my word for it - talk to the WHO. Skinned knees will become life threatening, and hip replacement surgeries etc will be impossible, as infection will be a major issue.   Edit: http://www.newscientist.com/article/dn21757-dont-let-up-in-war-against-antibiotic-resistance.html  That might help you guys out understanding this. To the guy who couldn't understand what I was writing about...just move along.


> I wish that /r/economy had Submission Statement requirements like /r/TrueReddit so that when someone posts an antagonistic title like this would be forced to at least state their stance on the topic.  How does it work over there?


"Sears CEO has asset-stripped it - he's sold its assets to his own investment fund, even loaning himself the money to do so.  If I recollect there was a warning to this effect in the annual report earlier this year - ""the interests of Mr Lampert and his associates may not be the same as shareholders' interests"".  https://www.google.com/#q=sears+ceo"


Yahoo! Finance would list it as 3.30 for the 20 year corporate AAA bonds. This is using the criteria from the Wikipedia link you stated in the initial question.


There's more to owning a car than just the expense. Taxi or Uber isn't a good solution for the end of the night when your date is a little bit drunk and wants to park somewhere and jump in the back seat with you. If you're married and have kids, a car will help you with taking the kids to school or day-care. If you're single with no kids, a car can help you get married and have kids. People in China joke that BMW means Be My Wife.


That kinda sucks. I just figured out that Kmart has cashback coupons for video games that they don't advertise on new releases if you sign up for their rewards card.  I got $30 cashback for Arkham City which I used for Skyrim at 30 bucks back that I used on Ocarina of time that gave me $15 for Marioland 3D which gave me $15 for Mariokart 7 and I am currently sitting on another $15 from that...   They work like store credit only for games.. but hell...   The problem is that they often times don't advertise them so it seems hit or miss, but since I started getting games there at release, I have yet to miss.


"Right, there were technological differences between early societies and modern societies.  But there is no necessary connection between a voluntary society and violence - in fact, quite the opposite.  It is possible to have water and electricity production without coercion.  I'm not arguing we go back to those times/societies.  I'm only pointing out that it is entirely possible for a stable society to exist that functions along those lines.  Also, the technology you see today is not necessarily reliant on monopolists of force.  Humans discovered the ""recipe"" to create certain new tools, and we won't lose those recipes in the future, through different forms of governance.  Any argument in favor of government is effectively an argument in favor of monopoly."


Thats a very open question, Depends on the risk you are willing to take with the money, or the length of time you are willing sit on it, or if you have a specific goal like buying a house.  Some banks offer high(ish) rate savings accounts http://www.bankaccountsavings.co.uk/calculator with a switching bonus that could be a good start. (combining the nationwide flexdirect and regular saver) if you want something more long term - safe option is bonds, medium risk option is Index funds (kind of covers all 3 risks really), risky option is Stocks & shares. For these probably a S&S ISA for a tax efficient option. Also LISA or HtB ISA are worth considering if you want to buy a house in the future.


Cara Mengobati Sembelit Saat Hamil » Kebiasaan BAB setiap orang amat individual. Ada yang setiap hari, sementara yang lain 2-3 hari baru BAB. Tak ada patokan pasti berapa lama mengenai kesulitan mengeluarkan kotoran dari dalam perut ini, termasuk ibu yang sedang hamil, di usia kehamilan berapa pun, apakah di awal, tengah, maupun akhir atau bahkan sepanjang kehamilan itu sendiri.


I'm currently working as an expat, and my grandparents used to work overseas but retired to Canada so you could say my family has done things completely the opposite of what you suggest. However there are a number of very good reasons that my grandparents have done things the way we have, and I think it's worth sharing the rationale there. Low-cost moving to high-cost is a no-brainer: it's not easy to do, but many people are trying nonetheless. However, even they will be likely to stay in the high-cost countries, mostly because of health care, also safety is a factor, but social factors also matter. Firstly, I think two key factors that have been overlooked are language and health care-- most low-cost countries speak different languages than high-cost countries.  This isn't a problem if you're young, but it becomes prohibitive if you are older. Even if you can manage, it's inconvenient in most countries. You can't just walk down the street and do whatever you like. You either have to keep a translator handy, or restrict your activities to places where you can communicate in your native language. Your favorite sports channels (rugby, american football etc.) might not be available, because nobody there cares. Your favorite news channel, or food (even in grocery stores) might not be so readily available. All these reasons made living abroad undesirable for my grandparents, but the big deal for them was healthcare.  Outside of the US, every single developed economy has socialized healthcare to a large extent. When you're young it doesn't really matter, but when you are older, it's a constant concern! There are two aspects to healthcare-- firstly, if you are a citizen in a developed country there are significant financial benefits (In the US there is also medicare/medicaid but I don't know how those work so I'm not going to talk about that) to staying in-country when you retire, even if the health care would be more expensive- it's the government that's paying! Secondly, health care in low-cost countries tends to either be cheap and poor quality (and by poor quality I mean really, really scary!) or expensive and almost as good as a developed country. Again, high-quality hospitals in low-cost countries may still save you money, but the nurses may not speak good English and the doctors may not have a great bed-side manner. In many low-cost countries, nobody calls the police because they know the cops don't care, or will never solve the problem (i.e. they will arrive hours or days after it's too late), or the cops may even be 'in on it'. So basically you try to protect yourself from the inevitable robbery,swindle,extortion,hold-up,you-name-it but sooner or later something bad will happen. With security guards and being younger, it's less of an issue, but when you're elderly, especially if you look foreign and rich, it's definitely more dangerous. Many of my friends from low-income countries try to emigrate for this reason (and/or in combination with the political climate, which is largely corrupt and full of problems). So, if you're old, why risk it? Stay somewhere safe.


"Good question! It seems to me that there is no minimum order size for shares trading on the LSE. Please note, I couldn't find an definite answer, but: According to the ""International Order Book"" document (see: http://www.londonstockexchange.com/traders-and-brokers/rules-regulations/change-and-updates/stock-exchange-notices/2010/n2210_attach1.pdf) from the LSE (page 7): Question 7: Would respondents support a revision of the minimum order    size of 50 units?   Whilst there was   limited support for a low value based   minimum order size the  majority of   respondents requested its complete   removal.  This was  incorporated into   the September 2010 quarterly review as   per Service  Announcement 001/100910   and as from 20 September 2010, the   minimum  order size in all IOB   securities has been 1 unit Even though not all trading on the LSE is performed on this IOB system, it would be very wierd if the international stocks can be traded in any size, while domestic stocks will have an minimum size. Further, consider looking to the times and sales of various stocks (here you can find an example http://www.londonstockexchange.com/exchange/prices-and-markets/stocks/exchange-insight/trade-data.html?page=0&fourWayKey=GB0006731235GBGBXSET1&formName=frmRow&upToRow=-1). Those trades also suggest that there is no minimum order size (for example, I just saw an executed trade with an size of 13). At last, look at the Interactive Brokers (no relationship with) Exchange List at http://www.interactivebrokers.com/en/trading/exchanges.php?exch=lse&showcategories=&ib_entity=llc. Here you can click on various stock names, and in the popup window that opens, look for 'size parameters' and the size increment. I could only find stocks with an size increment of 1 (i.e. you can trade anything with a minimum of 1 stock, and more needs to be in steps of 1 stock). Even though I couldn't find official information on the LSE site (like a leaflet for beginners or such), it does seem to me that you can trade any size you want on LSE.  Please note that mutual funds and illiquid OTC stocks which don't have an continuous market can have different rules, so double-check with your broker."


Unless this would have resulted in hurting other people (eg toxic spills) y'all should have called in sick. Fuck the company that allowed thus to happen. Care to tell Ys which one is it so those who want can boycott its products if possible?


It's bringing together something really old with something new and unrelated in a way that is incongruous:  Natural, farm fresh produce which makes us think about touching the earth, and being in the sunshine with dirt, plants and animals around + something that (interferes with and) mediates connection between people who exist only as consumers.  I love(d) WF in part because I love(d) the shopping experience -- which had comfortable lighting, not freezing aisles, emphasized less processed foods, and tells you where your food came from. I hope that doesn't change.   The other thing I loved about WF is that it was not overly ad-saturated like a Safeway would be, for example. I don't want to see giant signs from kelloggs pushing garbage cereal, or super-bowl promotions encouraging over-the-top enthusiasm for sub-par items. To me, I find that kind of consumerism depressing. Whole Foods didn't do that.  But I guess that's over.


"What would be the consequences if they do realize their error some day   in the far future? You've informed them of the error and they've informed you that nevertheless the points are yours and you should use them. So you have a couple of issues: have you made what your jurisdiction considers a reasonable effort to correct the mistake, and did the customer service rep actually have the authority to make such a large goodwill gesture as letting you keep all the points? The first is your legal responsibility (otherwise you're stealing), and you need to know specifically for your jurisdiction whether a phone call is sufficient. I can't tell you that. Maybe you should send them a letter, maybe you should wait until you've had written confirmation from them, maybe you're OK as you are. You might be able to get free advice from some body that helps with consumer issues (here in the UK you could ask Citizen's Advice). The second is beyond your ability to know for sure but it's not dishonest to work on the basis that what the company's proper representative tells you, is true. With the usual caveats that I'm not qualified to give legal advice: once told you've been clearly told that it's an intentional gift, I don't see any way you could be held to have done anything fraudulent if you then go about enjoying it. The worst case ""far future"" problem, I would expect, is that someone decides the gift was never legitimately made in the first place. In other words the company made two separate errors, first crediting the card and then telling you the erroneous points stand. In that case you might have to pay them back whatever you've spent on the card (beyond the points you're entitled to). To avoid this you'd need to establish what constitutes a binding gift in your jurisdiction, so that you can say ""no, the point balance was not erroneous and here's the legal reason why"", and pay them nothing. You might also need to consider any tax implications in receiving such a large gift, and of course before paying tax on it (if that's necessary) you'd probably want to bug them for confirmation in writing that it really is yours. If that written confirmation isn't forthcoming then so be it, they've rescinded the gift and I doubt you're inclined to take them to court demanding that they stand by the words of their rep. Use them and play stupid. It's not my duty to check their math, right?  That's potentially fraud or theft if you lie. You did notice, and even worse they have proof you noticed since you made the call. So never say you didn't notice. If you hadn't called them (yet), then you've been given something in error, and your jurisdiction will have an opinion on what your responsibilities are. So if you hadn't already called them, I would strongly suggest that you should call them or write to them about it to give them the opportunity to correct the error, or at least seek assurance that in your jurisdiction all errors in the customer's favour are final. Otherwise you're in the position of them accidentally handing you their wallet without realising, and you deciding to keep it without telling them. My guess is, that's unlikely to be a legally binding gift, and might legally be theft or fraud on your part."


"Maybe you can just hang onto the cash and upgrade the things you buy for cash now a bit.  Buy the better cut of meat, the nicer pair of shoes, etc. Since you have no trouble with bending the truth a bit.. if challenged, the shoes were ""on sale"". And no you must have lost the receipt.  Not that I'm advocating it, but the only time I notice my better half's shoe habit is when a garbage bag of the old ones goes out the door."


You will often receive a lower bill if you simply wait for a second or third billing statement. I was once given the advice to never pay a medical bill until after they had sent three notices, because they will almost certainly reduce the amount due. Sounds crazy, right? I have excellent credit, so the idea of risking it by ignoring bills disturbed me greatly, and I scoffed at the advice.  I then had a similar experience to you, and decided to take the advice. By the third statement, the bill was reduced to less than half of the original, with zero intervention on my part. I then paid it without any impact to my credit whatsoever. I've since done that every time I receive healthcare services, and the bill is always reduced on subsequent statements, generally to less than half of the original bill. Sometimes it's because insurance finally got around to paying. Sometimes a credit is mysteriously added. Sometimes line items disappear without explanation. (Line items sometimes appear over time, too, but the overall balance generally goes down.) I don't know the reason for it, but it works. This has happened with a variety of providers, so it's not just one company that does it. Granted, I never called to negotiate the price, so I can't say if I would've gotten a better deal by doing that. I like it because it requires no time or effort on my part, and it has greatly reduced my medical bills with zero impact to my credit. I only have personal anecdotes to back it up, but it's worked for me.


"I am not a Financial Advisor, but I an tell you what I did in exactly this situation - which is pretty much what you are proposing.  I put money into the offset savings account until I had only a small amount of mortgage ""balance"" left (less than a year's worth of mortgage payments), then I set it up so that each month I did the transfer from the offset savings pot into the mortgage itself. This depleted the offset savings in line with the mortgage debt, and the interest on the two balanced out almost to zero. This was self-sustaining and meant that I kept the same margin owing over time (i.e. if I was in this situation for 5 years, for the whole 5 years I would effectively have 1 year remaining on the mortgage). Meanwhile, since I now didn't have any mortgage outgoings from my regular income, I put any spare money into ISA savings. No need to withdraw money from the mortgage to move to the ISA. The benefits of this (as opposed to just paying off the damn mortgage already) were that I kept the full liquidity of the mortgage amount - I could withdraw all the offset savings pot if I wanted to, although I would then have to have funded the mortgage payments differently, and as that liquidity went down over time I was building up other savings in parallel. It worked well for me. It almost doesn't matter what the offset mortgage rate is since you are effectively paying it off by keeping the offset savings pot so high."


I shopped at WF this morning and saw the alexa display at the entrance. It seemed to me that there were less staff people around, maybe it's just a wrong perception of mine but I hope Amazon is not letting go of staff because a lot of the good experience shopping at WF is having people around that know the store and you can ask anytime.


Okay, first of all Fair value may not be target price. Lots of things can go into a price that won't be in fair value such as expected future price.  Second of all, if you were good at equity research and could make money off of doing it, you would start a hedge fund or get paid very well by some company. If you aren't good at equity research but still want to do it you do journalism and estimates on 'fair value'


Not seeing Marginal Revenue = Marginal Cost, nor the components of GDP.   Marginal thinking is one of the cornerstones of economics and just calculating.   And calculating GDP is more important I would say than just a mention of interest rates, monetary policy or fiscal policy.


"Two options not mentioned: -No information about your emergency fund in your question. If you don't have 6 months of expenses saved up in a ""safe"" place (high yield savings account or money market fund) I'd add to that first. -Could you auto-withdraw the amount over six months, then when you can start contributing, contribute twice as much so you are still putting in $18,000 a ""year""? The amount you pulled into savings the first 6 months could be used to make up for the extra income coming out after the six months are over. Depending on your income, and since you have the ability to save, it's important not to ""lose"" access to these tax efficient accounts. And also... -After-tax brokerage account (as mentioned above) is also fine. But if you will use this money for downpayment on a home or something similar within the next five years, I wouldn't recommend investing it. However, having money invested in an after-tax account isn't a terrible thing, yes you'll get taxed when you sell the investments but you have a lot of flexibility to access that money at any time, unlike your retirement accounts."


G spread - you have a 5.5 year bond, you take your yield minus the yield on the 5.5y point (interpolated) of the benchmark sovereign curve. Think of G = Government.      I Spread - same as G Spread but you use the relevant Swap Curve. E.g. USD bond, compare against the USD Swaps curve. I = interpolated.      Z Spread - stands for zero volatility curve spread. You strip the swaps curve to get zero rates (i.e. Zero coupon rates for each tenor), then find the constant spread on top of each part of the curve's zero rates to arrive at your bond's yield.      In G and I Spread, you're basically discounting the bond's cash flows using one rate (i.e. The interpolated yield on the curve). With Z Spread, you're discounting using the entire portion of the curve that's relevant to your bond's maturity.


[Peapod](https://www.peapod.com/) already do that. They deliver perishables along with non-perishables and non-food items. They have refrigerated trucks, refrigerated compartments in normal trucks, and specialized containers for keeping things cold. My girlfriend and I used to use them somewhat frequently (before we moved to an area they don't service) because otherwise, we'd be burning two hours to go grocery shopping due to traffic and crowds.  [Schwan's](http://www.schwans.com/) does something similar, though it's not actual brick-and-mortar store goods. They have refrigerated trucks, and we frequently buy frozen goods from them. Schwan's have been around since the 1950's, as well, so they've more than proven that the process is viable.  I don't doubt that there are other similar services already, as well, but these are the two that I know of and have used myself enough to comment on (and recommend) them.


You can either borrow money... credit card, line of credit, re-finance your home, home equity line of credit, loan, mortgage, etc. Or you have other invest in your company as equity.  They will contribute $X to get Y% of your company and get Z% of the profits.  Note amount of profits does not necessarily have to equate to percentage owned.  This makes sense if they are a passive investor, where they just come up with the money and you do all the work.  Also voting rights in a company does not have to equate to percentage owned either. You can also have a combination of equity and debt.  If you have investors, you would need to figure out whether the investor will personally guarantee the debt of your company - recourse vs non-recourse.  If they have more risk, they will want more of a return. One last way to do it is crowdfunding, similar to what people do on Kickstarter.  Supporters/customers come up with the money, then you deliver the product.  Consulting practices do something similar with the concept of retainers. Best of luck.


Als je koopt, zijn op zoek naar custom made kerstpakketten, dan is een bezoek aan de showroom. U kunt de inhoud van de pakketten bekijken plukken en combineer ze om hier te kopen. Zelf de prijs kan je al beslissen door mijzelf. Dus u kunt binnen uw budget een origineel en persoonlijk cadeau samen te stellen.


Buy as much data as you can, make a model, automate the back testing, see if it works over the past decade or so. If the returns are offering a superior risk adjusted return then you have a valid model, if not try an other model.   If you don't know how to program, learn how to.


For many that is simply not true.  Too many Americans are born into the same poverty and lack of opportunities that they will die under...   In vast swaths of the US there is very little opporunity for many reasons, even where there is opportunity, usually only those who are already privileged have access to it.


just start on quantopian. you wont know what you are doing. take someones algorithm, break it. figure out why its broken, fix it. figure out why it works. brainstorm ideas. code them. bugfix. realize you dont know enough. google search. . . profit  thats what I did.


Not absurd at all. Without social media, you and I and many many many more others would have never known about the uprisings as quickly as we did.  Without social media, there wouldn't have been conversation and understanding about what was happening.  Twitter and Facebook were monumental in spreading awareness of what was/is happening as a result of the Arab Spring.


"The Income Tax was put into effect during the Civil War, but was later revoked because it was deemed ""Unconstitutional"".  It was re-instated in 1913, just one year before World War 1. This is largely the reason why people think it was created ""for the war"", when it actually pre-dated World War 1. Edit: I don't have any sources, per-se. This is just what little information I remember from Grade 10 History class.  I remember this because I had a real ethical problem with how the government instituted the Income Tax, since it is effectively a tax on Productivity. I find this absurd, since it motivates people to do less, in an effort to be taxed less. This in turn promotes workers doing ""cash jobs"" and other such things to get around it. I personally have refused a raise because it would put me into a higher tax bracket, and I wouldn't actaully see the new money. In exchange, I asked for other non-monetary perks instead. I personally think this situation should not exist. ...however, I don't have a better solution. So I suppose I can't really pass judgment.  :)"


This is what happens when you privatize the costs of maternity leave. The law is that maternity leave exists and it covers all employment. Why then ,is it not paid by the state with taxes on the employer, but instead paid by the employer on a case by case basis.  This means that it's possible for one employer to have more expenses on maternity leave than another employer thus incentivizing not hiring potential mothers.  Edit: We know how much maternity leave costs businesses each year. So just add that extra sum to the taxes paid by employers and release them from having to pay people on maternity leave.


"Why there is this huge difference? I am not able to reconcile Yahoo's answer of 5.75%, even using their definition for ROA of: Return on Assets Formula: Earnings from Continuing Operations / Average Total Equity This ratio shows percentage of Returns to Total Assets of the company.   This is a useful measure in analyzing how well a company uses its   assets to produce earnings. I suspect the ""Average Total Equity"" in their formula is a typo, but using either measure I cannot come up with 5.75% for any 12-month period. I can, however, match MarketWatch's answer by looking at the 2016 fiscal year totals and using a ""traditional"" formula of Net Income / Average Total Assets: I'm NOT saying that MatketWatch is right and Yahoo is wrong - MW is using fiscal year totals while Yahoo is using trailing 12-month numbers, and Yahoo uses ""Earnings from Continuing Operations"", but even using that number (which Yahoo calculates) I am not able to reconcile the 5.75% they give."


I rather like The Ascent of Money, by Niall Ferguson. This comes in several formats. There's a video version, a written version (ISBN-13: 978-1594201929), and an audio version. This book covers the history of financial instruments. It covers the rise of money, the history of bonds and stocks, insurance and hedge funds, real-estate, and the spread of finance across the world. It is a great introduction to finance, though its focus is very definitely on the history. It does not cover more advanced topics, and will not leave you with any sort of financial plan, but it's a great way to get a broad overview and historical understanding of money and markets. I strongly recommend both the video and the written or audio version.


Actually the Fidelity hypothetical example (with same marginal tax rates) is super misleading.  They are putting the money saved up front from the traditional 401k in to at taxable account. Why? If you put the actual money used for the Roth that would be saved into traditional 401k they look the same no matter the timeline (with a hypothetical unchanging tax rate). Check this out.  So there are only two things to consider when choosing traditional vs roth.


Current evidence is that, after you subtract their commission and the additional trading costs, actively managed funds average no better than index funds, maybe not as well. You can afford to take more risks at your age, assuming that it will be a long time before you need these funds -- but I would suggest that means putting a high percentage of your investments in small-cap and large-cap stock indexes. I'd suggest 10% in bonds, maybe more, just because maintaining that balance automatically encourages buy-low-sell-high as the market cycles. As you get older and closer to needing a large chunk of the money (for a house, or after retirement), you would move progressively more of that to other categories such as bonds to help safeguard your earnings.  Some folks will say this an overly conservative approach. On the other hand, it requires almost zero effort and has netted me an average 10% return (or so claims Quicken) over the past two decades, and that average includes the dot-bomb and the great recession. Past results are not a guarantee of future performance, of course, but the point is that it can work quite well enough.


Heh, my entire family lives in a 2 bedroom apartment!  Of course its just 3 of us but still.  I know, outside of the big cities in the US this is not as common, but there are plenty of families living in this arrangement in places like NYC, LA, SF.


Amazons business is built domestic shipping, and is massively subsidized by the US government, to the detriment of anyone who would attempt to compete with them.  The post office is not my example. Amazon and Besos is my example. Our tax dollars are going directly into Besos' pocket. Thanks government!


"This is true, to an extent. But conditions ""on the ground"" in Japan are not always as good as they appear. There's [a lot of poverty](http://www.japantimes.co.jp/news/2016/04/26/national/social-issues/hidden-poverty-growing-abe-particularly-among-young-single-mothers/#.WVTsMWgrLIU) in Japan, much of which is not obvious. The Japanese sometimes massage numbers too: there are large Korean immigrant populations that aren't necessarily included in Japanese statistics because they aren't always considered ""permanent"" residents.   Also, many Japanese companies and individuals do not use cutting edge technology. While it's true *some* families have consoles, many don't. Most people still don't use smart phones. Fax machines, a classic example, are only just beginning to give way to email for the sending of documents. Japanese medical clinics are often backwards compared to other countries'.  I'm not saying Japan doesn't have good quality of life, I'm just concerned that the picture the government paints is usually rosier than the reality in the streets."


"Do you have other income that you are not considering?  Interest and dividends would be an example, but there are all sorts of options.   Also with your witholding is it set up such that your employers have any idea of your tax bracket ultimately based on your combined incomes?  Usually what they do is take out money assuming you will be in the tax bracket of any given paycheck spread out over the course of a year.  For example, for federal I had an option to select (in an online form that fills out my W4 for me) ""married: withold at higher single rate"" and did to try and cover this fact.  Eventually I may end up having to calculate my own witholding to fix a too-low problem like yours."


What skill set does your wife have?   Mlm businesses take a lot of hustle and it would be difficult to do with a child. From the sound of it, your wife isn't passionate/excited/motivated about doing it, so I'd explore other opportunities.   Some stay at home moms I know run blogs and online forums and it does okay for them.


"I did once read a book titled ""How I made a million dollars on the stock market"". It sounded realistic enough to be a true story. The author made it clear on the first page that (a) this was due to some exceptional circumstances, (b) that he would never again be able to pull off something like this, and (c) you would never be able to pull of something like this, except with extreme luck.  (The situation was small company A with a majority shareholder, other small company B tries to gain control by buying all the shares, the majority shareholder of A trying to prevent this by buying as many shares as possible, share price shooting up ridiculously, ""smart"" traders selling uncovered shorts to benefit when the price inevitably drops, the book author buying $5,000 worth of shares because they were going up, and then one enormous short squeeze catching out the traders. And he claimed having sold his shares for over a million - before the price dropped back to normal).  Clearly not a matter of ""playing your cards right"", but of having an enormous amount of luck."


"This is known as an inverted yield curve. It is rare, and can be caused by a few things, as discussed at the link. It can be because the view is that the economy will slow and therefore interest rates will go down. It is not caused by ""secret"" preparation. It could also be that there is generally in the world a move towards safer investments, making their interest rates cheaper. If I had to guess (and this guess is worth what you paid for it) it is because Australia's interest rate is significantly greater than other parts of the world, long term lower risk investment is being attracted there, as it gets a better return than elsewhere. This is pushing rates lower on long term bonds. So I would not take it as an indication of a soon-to-be economic downturn simply because in this global economy Australia is different in ways that influence investment and move interest rates."


Doesn't work like that. You're taxed on the lower band until 32ish and the balance is at 40%.   Use this link below to calc your tax  http://services.deloitte.ie/tc/  30k = 25,310 after tax // effective rate of 15.5% 40k = 31,170 after tax // effective rate of 22%  So you're gross raise of 33% will be worth 23% net to you.  You also have tax credits/USC/PRSI to think about - you seem like you haven't a breeze about the Irish tax system so I'd type PAYE & Citizens Information into Google and start reading up on it.


Avoiding tobacco, etc is fairly standard for a fund claiming ethical investing, though it varies. The hard one on your list is loans.  You might want to check out Islamic mutual funds. Charging interest is against Sharia law.  For example: http://www.saturna.com/amana/index.shtml From their about page: Our Funds favor companies with low price-to-earnings multiples, strong   balance sheets, and proven businesses. They follow a value-oriented   approach consistent with Islamic finance principles. Generally, these   principles require that investors avoid interest and investments in   businesses such as liquor, pornography, gambling, and banks. The Funds   avoid bonds and other conventional fixed-income securities. So, it looks like it's got your list covered.  (Not a recommendation, btw. I know nothing about Amana's performance.) Edit: A little more detail of their philosophy from Amana's growth fund page: Generally, Islamic principles require that investors share in profit   and loss, that they receive no usury or interest, and that they do not   invest in a business that is prohibited by Islamic principles. Some of   the businesses not permitted are liquor, wine, casinos, pornography,   insurance, gambling, pork processing, and interest-based banks or   finance associations. The Growth Fund does not make any investments that pay interest. In   accordance with Islamic principles, the Fund shall not purchase   conventional bonds, debentures, or other interest-paying obligations   of indebtedness. Islamic principles discourage speculation, and the   Fund tends to hold investments for several years.


Whether you need a scaffolding for small-scale house jobs or large construction projects, All Access Scaffolding Limited is the right company to go to. They take pride in their capacity to deliver a complete range of services which include supply, rental and erection of scaffolding equipment, planks, and even safety netting whenever required. For more information about this company and the services they have on offer, go to www.aascaffolding.co.uk.


> See where?  The grain farming regions. At least that's the kind of farming I consider enjoyable. Maybe some would rather pick apples, I guess.  > Most likely they are shit at advertising their job openings  I see the jobs posted in the same places as you would expect to find other jobs. I don't see anything unique about that. However, I think you bring up a good point: People tend to search for job by area. These are not areas people tend to look in.  > the potential market has transportation issues and can't get to a job not near a bus route.  I think it is simpler than that: Nobody wants to live in rural areas.  People are choosing to live in cities and then are restricting their job search to the jobs that can be done in the city they have found themselves in. Some amount of money can change minds, but I'm not convinced $35/hr. is it.


"If you're a US citizen, money earned while in the US is sourced to the US. So you can't apply FTC/FEIE to the amounts attributable to the periods of your work while in the US even if it is a short business trip. Tax treaties may affect this. Most tax treaties have explicit provisions to exclude short trips from the sourcing rules, however due to the ""saving clause"" these would probably not apply to you if you're a US citizen - you'll need to read the relevant treaty. Your home country should allow credit for the US taxes paid on the US-sourced income, and the double-taxation avoidance provision should apply in this case. The technicalities depend on your specific country. You would probably not just remove it from the taxable income, there probably is a form similar to the US form 1116 to calculate the available credit."


Seems to ignore the fact that there are a great many other higher quality chains competing for the burger dollar now.  It's most likely that the same amount of money is flowing into burgers, but companies that make their trade off efficiency and scale are being hurt by smaller region based chains.  Five Guys, Whataburger, In and Out, Sonic, etc all have carved out a nice piece of the McDonald's pie.


My question is, how income tax is calculated for partial redemption. Same as normal. The redemption should always be treated as FIFO. Say you are buying 10 units every month [I know the units maybe in fraction and price would be different every month and you are investing fixed amount]. After say 9 months you have 90 units. Now when you sell say 45 units, you are actually selling 10 units from first 4 months and 5 units from 5th month. So calculate the price at which you purchased these units. This becomes your cost. Now when you sell, you know the price. So subtract the sell price from cost price. This is your taxable income. Short term capital gains is taxed as per your tax bracket. So add this taxable income to your other income and calculate taxes accordingly. You have to pay tax in advance and not wait till year end. You can do this online as well.


Very interesting deal in that they will not be doing a joint venture that has been a requirement of every other automaker that has opened a factory in that country.  But instead wholly own it...that should address concerns about their proprietary processes and technology being siphoned off to domestic companies...  >The WSJ reports that Tesla will own the factory, rather than partner with a local manufacturer, as it typically the case. Chinese officials have recently begun to consider relaxing some of the more stringent rules concerning local partners, as a way to encourage electric vehicle manufacturers. The arrangement would be the “first of its kind for a foreign auto maker,” but will likely not allow Tesla to avoid a 25 percent import tariff.


But making a good, well planned app has a better chance of success... Also, you say everyone can code... but very rarely do I meet people smart enough to even try to teach themselves. Perhaps 0.5% of America can code. Maybe less! Maybe 5% of millennials.


For the record, now that 2011 is here we know that the capital gains tax rate didn't change. Congress extended it for two more years. This shows the uncertainty in trying to maximize earnings based on future changes to the tax code.


Cell phone providers are like buttholes....    Over the past 20 years I've had Verizon, Nextel, sprint, T-Mobile, and ATT.   None of them are perfect it's always a matter of who's the best *in your area - at the time*.    It's constant evolving and there's never been a stand out winner.


"You have several questions in your post so I'll deal with them individually: Is taking small sums from your IRA really that detrimental? I mean as far as tax is concerned? Percentage wise, you pay the tax on the amount plus a 10% penalty, plus the opportunity cost of the gains that the money would have gotten.  At 6% growth annually, in 5 years that's more than a 34% loss.  There are much cheaper ways to get funds than tapping your IRA. Isn't the 10% ""penalty"" really to cover SS and the medicare tax that you did not pay before putting money into your retirement? No - you still pay SS and medicare on your gross income - 401(k) contributions just reduce how much you pay in income tax.  The 10% penalty is to dissuade you from using retirement money before you retire. If I ... contributed that to my IRA before taxes (including SS and medicare tax) that money would gain 6% interest. Again, you would still pay SS and Medicare, and like you say there's no guarantee that you'll earn 6% on your money.  I don't think you can pay taxes up front when making an early withdrawal from an IRA can you?  This one you got right.  When you file your taxes, your IRA contributions for the year are totaled up and are deducted from your gross income for tax purposes. There's no tax effect when you make the contribution. Would it not be better to contribute that $5500 to my IRA and if I didn't need it, great, let it grow but if I did need it toward the end of the year, do an early withdrawal? So what do you plan your tax withholdings against?  Do you plan on keeping it there (reducing your withholdings) and pay a big tax bill (plus possibly penalties) if you ""need it""?  Or do you plan to take it out and have a big refund when you file your taxes? You might be better off saving that up in a savings account during the year, and if at the end of the year you didn't use it, then make an IRA contribution, which will lower the taxes you pay.  Don't use your IRA as a ""hopeful"" savings account. So if I needed to withdrawal $5500 and I am in the 25% tax bracket, I would owe the government $1925 in taxes+ 10% penalty. So if I withdrew $7425 to cover the tax and penalty, I would then be taxed $2600 (an additional $675). Sounds like a cat chasing it's tail trying to cover the tax. Yes if you take a withdrawal to pay the taxes. If you pay the tax with non-retirement money then the cycle stops. how can I make a withdrawal from an IRA without having to pay tax on tax. Pay cash for the tax and penalty rather then taking another withdrawal to pay the tax.  If you can't afford the tax and penalty in cash, then don't withdraw at all. based on this year's W-2 form, I had an accountant do my taxes and the $27K loan was added as earned income then in another block there was the $2700 amount for the penalty. So you paid 25% in income tax for the earned income and an additional 10% penalty.  So in your case it was a 35% overall ""tax"" instead of the 40% rule of thumb (since many people are in 28% and 35% tax brackets) The bottom line is it sounds like you are completely unorganized and have absolutely no margin to cover any unexpected expenses.  I would stop contributing to retirement today until you can get control of your spending, get on a budget, and stop trying to use your IRA as a piggy bank.  If you don't plan on using the money for retirement then don't put it in an IRA.  Stop borrowing from it and getting into further binds that force you to make bad financial decisions. You don't go into detail about any other aspects (mortgage? car loans? consumer debt?) to even begin to know where the real problem is.  So you need to write everything down that you own and you owe, write out your monthly expenses and income, and figure out what you can cut if needed in order to build up some cash savings. Until then, you're driving across country in a car with no tires, worrying about which highway will give you the best gas mileage."


"Yes, you have correctly described ""revolving credit"" (though in this case you have funded the account yourself)"


Simply put, the interest you're paying on your loans is eating into any gains you have in the stock market.  So, figure out how much you're paying in interest and consider the feasibility of paying off some of the loan.  Also figure in if you would be selling the stock at a profit or a loss.   Generally speaking, a home loan is typically long-term, with a high principal.  I believe the consensus is that it is typically not worth paying down extra on it.  A car loan, though, is much shorter term, with a lower principal.  It may be worth it to pay that down. I would certainly consider paying down the loan with 10% interest, even without running any numbers. What about doing this without selling stock?  The reason I suggest that is that you should not sell the stock unless you truly need the money or for some material reason(s) related to the company, the market, etc.  (Of course, one other reason would be to cut losses.) Unless I was looking to sell some stock anyway, I would try other ways to come up with the money to pay down the highest interest loan, at least.  If you are thinking of selling stock to pay down debt, definitely run the numbers.


I used Redfin to find my house! The listing was there and not other sites like Zillow until much later. By then I had already made an offer. Also their user interface, especially on mobile, is way better.


"No one is competent enough to run a multi-billion dollar enterprise. Corzine (just like most star CEOs) was hired because no one wants to take responsibility for anything, so they hired a person who seemed to be superintelligent to ""run"" things and then paid him shitloads."


"While she can certainly get an LLC or EIN, it isn't necessarily required or needed.  She can file as a sole-proprietor on her (or your joint) taxes by filling out a schedule-C addition to the 1040.  Any income or losses will pass through to your existing income situation (from W-2's and such). The general requirement for filing as a business in this regard has nothing to do with any minimum income, revenue, or size.  It is simply the intent to treat it as a business, and unlike a hobby, the overall intent to earn a profit eventually. If you're currently reporting the 1099-MISC income, but not deducting the expenses, this would be a means for you to offset the income with the expenses you mentioned (and possibly other legitimate ones).  There is no ""2% AGI"" restriction for schedule-C."


I think he was trying to say that in the long term the company's fundamental intrinsic value will drive the price of a company's stock, but in the short term stocks move on emotion and publicity that are not necessarily a reflection of their true underlying value.


In most cases there is no debt attached to those properties, so there is no risk to financial institutions.   So that leaves us with an increase in supply of houses most people can't afford at current prices, expect a short-term boost to construction while many are converted to duplex/apartment type properties and slight downward pressure on prices. Obviously these are wild generalisations and the effect will be massively different in most cities compared to rural or small-town areas.


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> Advertising on the internet is dead, that means social media as a for-profit industry is dead.  This is the single most clueless statement I've read this week. Good job!  You are aware that online advertising spending recently overtook tv, right? It had a lot of people in the ad world screaming that tv advertising is dead and online is the only possible future.


"That's because Ford - like many other managers of large defined benefit plans - decided that, instead of defeasing its obligations through an [effective immunization program](http://en.wikipedia.org/wiki/Immunization_%28finance%29), they would just put less money into equities and pray for the equity risk premium to carry the day for them.  Lo and behold, it didn't work for a lot of them.  In the meantime, their liabilities began to far outstrip the assets meant to offset them to the point where even a one-for-one asset-liability match wouldn't help.  So now guess what?  They tell you ""shit, we fucked this up, so here's your payout - good luck.""  As if the worker is going to have a clue as to how to effectively manage his money so as to minimize longevity and savings risk.  Let me make something clear:  It is not beyond the means of modern finance to effectively implement and administer a defined benefit program.  It involves ""doing the right thing"" by employees, which in some cases involves not taking risks with equity and instead simply ensuring that assets meant to offset liabilities are appropriate in both timing and magnitude."


"This kind of stupid myopia dates back to the 60s and beyond, when Star Trek was cancelled as a series for low ratings, but if you pick apart the demographics, it turned out it was a top show in the 20-40 demographic, which is a spending sweet spot.   Today advertisers understand demos, but then they treat them like monolithic groups. The biggest example of this stupidity is when network channels schedule the same type show opposite its competition on another channel. For example, if ""Star Trek: Discovery"" and ""The Orville"" were both on broadcast TV, it wouldn't surprise me at all if they were in the same time slot, which is insane.   SF TV, reality TV, sports TV - almost completely different audiences, and they're each going to be different markets for advertisers.   ""Hey Bill - how come our snowshoe ads keep failing in Florida?"""


Update: Here is a Google Docs spreadsheet that is actively maintained and editable. It contains a list of EMV credit cards. With a few exceptions (UN, existing BMO Diners Club cardholders, employees of the state of North Carolina), it still looks like the Travelex card is the best option for most people. Original answer: The premise of the question may now be outdated. I have found internet articles claiming 4 US banks will now issue Chip and PIN cards. Specifically: The Chase link is for their British Airways card, which multiple sources say is really Chip and Signature (leaving it there so no one else suggests it). The Citi link is to specific chip and PIN information. I could not find specific information for the other two. I have a question into my bank (US Bank) and will update when they get back to me. In looking into this, some of the chip and PIN links I followed ended up being chip and signature, so as always, be careful.


Oh ok, that's a relief.   I'm glad you spent countless hours devoted to unbiased fact checking before wholeheartedly throwing yourself into The_Donald (check out his comment history).   It's confirmed you're part of his personality cult. Although it was pretty evident when you used the term fake news to describe fact checking news.


Figure out who regulates the bank. Complain to your state banking/consumer affairs department. Complain to your state Attorney General. The Feds regulate most banks too, there are several different agencies, and I believe the way they regulate banks has changed recently. Try contacting the US Comptroller of the Currency.


But by closing the short position the broker would still be purchasing shares from the market no? Or at least, someone would be purchasing the shares to close the short position. So, why doesn't the broker just let Client A keep their short position open and buy shares in the market so that Client B can sell them...I know it sounds a bit ridic, but not much more so to me than letting Client A borrow the shares to begin with!


I had an amazing customer service experience with Best Buy yesterday.  I walked into my local BB with a list of computer components for a PC I am building (I was purchasing from New Egg and Best Buy).  Wandered around and an employee saw me (he ended up being the manager), and he helped me put together an order, not only that but he checked New Egg to make sure I was getting competitive prices, not only that but he made sure I was getting free shipping.  On top of that he went through my New Egg list and price matched anything they had.  Now I only need a couple more things from New Egg.  Thought I'd share.


At what point does it stop being about money, and start being about not killing our planet.  Plus, whatever profit Tesla is or is not making, Tesla, SpaceX, SolarCity all seem to be making industry changing splashes in their respective markets.


"This is the best tl;dr I could make, [original](http://www.cnbc.com/2017/07/14/jpms-jamie-dimon-blows-up-at-washington-on-earnings-call.html) reduced by 79%. (I'm a bot) ***** > Because the American business sector is powerful and strong, and is going to grow regardless of - people wake up in the morning, they want to feed their kids, they want to buy a home, they want to do things, the same with American businesses - what I&#039;m saying is it would be much stronger growth had we made intelligent decisions and were there not gridlock.  > It&#039;s amazing to me that every single one of those countries understands that practical policies to promote business and growth is good for the average citizens of those countries, for jobs and wages, and that somehow this great American free enterprise system, we no longer get it.  > It&#039;s almost an embarrassment being an American citizen traveling around the world and listening to the stupid s-- we have to deal with in this country.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6oda6k/jamie_dimon_blows_up_at_dcs_dysfunction_says_hes/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~171064 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*: **American**^#1 **country**^#2 **growth**^#3 **grow**^#4 **business**^#5"


for full disclosure I'm an Independent Contractor and work with Jeff Richman. @ Neil:  Question 1: How legitimate is this?  If you were never contacted by the company you would never know about the money. Period, end of story. Not trying to be rude but that is the bottom line truth. Look up asset recovery businesses. They are in every city almost. They work for individuals, governments and businesses. Very legitimate business. Question 2: Since this doesn't seem to be the case, how does this company know that I potentially have unclaimed assets to claim?  I understand your concern and the best analogy I can think of to explain this is:  A company's copier breaks down. A copy machine repair man is called. He shows up and opens the copier and studies it intensely and closes it back up. He takes a hammer out of his bag and hits the copier on the side in two different places, twice. The copier starts working. He charges the company owner a $1000.00. The company owner is glad to pay it because without the knowledge of the repair man, his business is not making money. This is the same: The professionals at Keane have specific knowledge about how to, where to and who to ask for these lists. Granted, it's not your business we're talking about here but without them, you get nothing.  2 professionals have advised you to move forward; your brother's accountant and lawyer. Take the money. It costs you nothing. If they want money from you up front or want you to pay for stuff, run.


Ok but amazon is actually pricing everything as it should be. Retailers charged too much and Amazon took that surplus by offering better service and prices via extensive supply chain expertise. That's on retailers for pricing poorly and doing a shitty job at supply chain efficiency, not Amazon.    Trump can fuck right on off.   Want retailers to make a comeback? Start spurring wage growth. No one fucking cares how many service jobs were added - get wage growth and career jobs up.


Why is that? With all the successful investors (including myself on a not-infrequent basis) going for individual companies directly, wouldn't it make more sense to suggest that new investors learn how to analyse companies and then make their best guess after taking into account those factors? I have a different perspective here than the other answers.  I recently started investing in a Roth IRA for retirement. I do not have interest in micromanaging individual company research (I don't find this enjoyable at all) but I know I want to save for retirement. Could I learn all the details? Probably, as an engineer/software person I suspect I could. But I really don't want to. But here's the thing: For anyone else in a similar situation to me, the net return on investing into a mutual fund type arrangement (even if it returns only 4%) is still likely considerably higher than the return on trying to invest in stocks (which likely results in $0 invested, and a return of 0%). I suspect the overwhelming majority of people in the world are more similar to me than you - in that they have minimal interest in spending hours managing their money. For us, mutual funds or ETFs are perfect for this.


Read this.  https://www.irs.gov/retirement-plans/one-participant-401k-plans  The example makes it very clear.


>>Barrasso expressed worries at committee hearing in February that rural states like his wouldn’t attract much of the private investment Trump promised. Those people need to consolidate themselves into more urban-like areas.  That's because sparse populations spread across wide geography is extremely cost-prohibitive. Those people need to consolidate themselves into urban-like areas.  >>forcing multinational companies who have kept about $2 trillion in profits offshore to bring the money home  That money was collected outside of the US, and the reason they're  not bringing it home is because it's more cost-effective to pay interest on a loan than to pay taxes on the money.  >>“We have woefully underinvested in our nation’s infrastructure for decades,   You've refused to open the infrastructure to the free market. By maintaining a forced monopoly, you've put all the eggs in one basket, and stifled innovation and even basic upkeep.  >>“If we make serious and smart investments in infrastructure, we could jump-start our local and national economy. We can’t afford to squander this moment.”  Then you need to privatize. A smart investment doesn't need to be forced, it merely needs to be allowed to happen.


In the United States there are 3 main types of cards. There are organizations that push a credit card with their branding. They aren't a bank so they partner with a bank to offer the card. In the US many colleges and professional sports teams will market a credit card with the team or universities colors and logo. The bank handles the details and the team/university gets a flat fee or a portion of the fees. Many even have annual fees. They market to people who want to show their favorite team colors on their credit card, and are willing to pay extra. Some of these branded cards do come with extra perks: Free shipping, discounts on tickets, being able to buy tickets earlier.  There are 4 other types of cards that have limited usage: What makes it confusing is that large business can actually turn a portion of the corporation into a bank. Walmart has been doing this, and so have casinos.


Doing business apart from commercial work also involves many legal issues such as compliance with laws, entering into contracts, responding to notices and other legal documents. Failure to look into these aspects can often snow ball into a major legal problem.


Ultimately no one really knows what causes the markets to rise and fall beyond supply and demand. If more people want to buy then sell, prices go up. And if more people want to sell, prices go down. The news channels will often try to attribute a specific reason to the price move, but that is largely just guess work to fill up the news pages so people have something to read. You may find it interesting to read up on the Elliot wave principle. The crash of 2008 was a perfect Elliot Wave fit. Elliot Wave theory states that social moods (which ultimately drive the stock market) generally occur in a relatively predictable pattern. The crash in September was a Wave 3 down. This is where the majority of people give up hope. However there are still a few people who are still holding on. The markets tend to meander about during wave 4. Finally the last few people give up hope and sell out. This causes the final crash of wave 5. Only when the last person has given up hope can the markets start to go up again..


> Facebook is a company with no real way to profit from its technology.  While I think your reply was pretty spot on and also think Facebook was way overpriced (and probably still is), I definitely disagree with this statement. Facebook is making pretty good money selling advertising. First news papers, then radio, and then television made an awful lot of money just selling advertising. Unfortunately for those medias, the Internet has taken over the advertising space - and Facebook is in a great position to take advantage of this.  One of their biggest problems right now is figuring out how to make their mobile platform profitable (as well as building a semi-decent app).


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/amp/view/articles/2017-09-21/bet-with-buffett-not-against-him) reduced by 90%. (I'm a bot) ***** > The first is a New York Post article with the headline, &quot;Warren Buffett wins $1M bet made with hedgie a decade ago&quot;.  > Although Seides has admitted defeat, he said he thinks that &quot;Doubling down on a bet with Warren Buffett for the next 10 years would hold greater-than-even odds of victory.&quot; Thus, despite spending $1 million in tuition at the University of Buffett, he failed to learn the expensive lesson that Buffett has offered up to all of us.  > Which leads us to Buffett&#039;s motivation in making the bet.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/725pxt/bet_with_buffett_not_against_him/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~215707 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*: **Buffett**^#1 **bet**^#2 **money**^#3 **year**^#4 **Index**^#5"


They import these individuals so there is a lose labor pool. Suppress labor unions and nobody at that level wins. I read where the current reduction in Mexican immigrants has forced wage increases in the house construction industry. Working two and three jobs to get by is not supposed to be the American way.


There are many different things that factories have to take care of when they are choosing a ventilation system for their company. It is something that is going to keep the employees safe and possibly help to keep costs down. Roof vents are an option for many of these.


I can't.  You aren't my client and I can't give specific advice over the internet without the risk of forming an attorney-client relationship, which comes with a lot of specific duties that I owe to the client and would be unable to carry out in this type of setting.  Apologies.


I think an IOPT is a Dutch warrant.  Someone else might understand what this is.


"På slutten av februar 2014, ble 28 personer, over flere amerikanske stater, lagt til 100 folk allerede arrestert i januar samme år for personnummer funksjonshemming forsikring svindel.  De omfattende **[svindel ordning](http://lsminsurance.ca/life-insurance-canada/2014/03/disability-insurance-fraud)** strekker seg tilbake 26 år, som involverer over 1000 falske fordringshavere. Mange av de arresterte var pensjonert New York City politifolk og brannmenn. De er tiltalt for grovt tyveri og forsøk grovt tyveri og er anklaget for å motta funksjonshemming betalinger feil.  Ordningen dateres tilbake til 1988 med deltakerne blir brakt inn av en tidligere NYPD offiser Joseph Esposito, 64, eller 61 år gamle John Minerva, funksjonshemming konsulent for NYPD'S Detective Endowment Association, som er union representerer detektivene.  Disse to politiet er anklaget for å ha så gjort henvisninger til Raymond Lavallee, en 83 år gamle advokat som tjente som en Executive Nassau County statsadvokat i 1960, som vil deretter videresende henvisninger til 89-årige Thomas Dale, tidligere pension konsulent som angivelig skulle forberede og lege programmene.  Myndighetene begynte fangst på da de begynte å se den samme setninger og uttrykk på flere programmer alle gjort i samme håndskriften. Røde flagg gikk opp når myndighetene begynte å se språk som, ""Jeg har TV med å holde meg med selskap"" og ""Jeg kan ikke utføre alle typer arbeidsaktivitet i eller ut av huset"" på flere programmer.  Den **[falske begunstiget](http://koyaltraininggroup.blogspot.nl/)** angivelig hevdet at de lider posttraumatisk stress, angst eller depresjon knyttet til 11 September 2001 terrorangrepene. Men mens motta deres dårlig fått funksjonshemming fordeler, ble de delta i fysiske aktiviteter som karate, spill fiske og flyr et helikopter.  I USA er mennesker som lever med psykiske eller fysiske funksjonshemminger som hindrer dem i å jobbe hos alle kvalifisert for Social Security Funksjonshemming Forsikring (SSDI) fordeler. Beløpet varierer, men for legevakt personell, gjennomsnittlig årlig betalingen er ca $30.000 til $ 50 000 i tillegg til sine månedlige pensjon pensjoner.  Selvfølgelig, er funksjonshemming svindel ikke begrenset til USA Ifølge forskning fra Sun Life finansielle er over 5 milliarder dollar tapt for forsikrings svindel i Canada hvert år. Hjørnesteinen forsikring meglere Ltd setter dette beløpet på $3 milliarder og sier at forsikring svindel er direkte ansvarlig for en 10 til 15% økning i premie, så alle betaler prisen.  I Canada, fordeler svindel tar vanligvis i to former: falske krav for medisinske tjenester og funksjonshemming svindel rettet mot arbeidsgiver-sponset og arbeidernes kompensasjonsfordeler.  Generelt er falske påstander utstyrt med følgende egenskaper:  -Krav ikke utført. -Leverandører utfører tjenester utenfor omfanget av praksis eller lisensiering (for eksempel det har nylig vært tilfeller av utøvere gir Botox injeksjoner med materialer Hentet fra andre land). -Ulisensiert enkeltpersoner utfører forsikringsverdien. -Behandling tilbys utover det som er nødvendig for forsikrede pasienten. -Det er kickbacks eller ulovlig henvisning betalinger.  Eksempler på rapporterte tilfeller over Canada er en ansatt som ble fanget opprette krav for ham og hans kone av utskrift falske kvitteringer. Han ble til slutt fanget av en årvåken krav dommer som la merke til lignende mønstre i krav sendt til ulike forsikringsselskaper. Ikke bare det, men mistenkt prøvde å maksimere sin avkastning ved å koordinere fordeler over flere forsikringsgivere.  Ansatte har også funnet for å opprette krav for flere personer i selskapet planen bruker Photoshop, en skanner, og en fargeskriver opprette falske men realistiske krav. Ordningen lederen rekrutterer vanligvis plan medlemmer til å sende disse falske påstander og deretter dele inntektene.  Gjenoppretting av tapte penger kan være vanskelig, men mange av disse tilfellene bosette seg ut av retten gjennom hvile ordninger at planen administratorer gjenopprette noen av midlene tapt.  **[The Koyal Group Private Training Services](http://koyaltraininggroup.org/)** design sin online og på stedet opplæring til dine bestemte behov, gir informasjon du kan bruke mens i trening for å styrke effektiviteten av denne informasjonen. Våre kurs kvalifiserer statlige standarder både for svindel og fortsetter-utdanning oppgradering. Våre programmer er praktisk og kan presenteres i ulike formater slik adresse industrien krav og standarder. Vennligst besøk og se våre **[kurs oppforingene](https://www.facebook.com/koyaltraining)**."


"Costco requires an annual paid membership before you can enter and the the minimum price of any purchase is greater than at other stores because you are getting large/bulk of that item.  Starbucks charges several dollars for a cup of coffee (not an essential item).  In both cases their clientele are the middle classes, not the less well off members of society.  Consequently it makes business sense for them to pay staff such that are they are substantially similar to the customers.  But Walmart does serve the less well off.  And their management isn't stupid - if they believed a doubling of wages would result in greater sales and profitability they would do it in an heartbeat.  But it won't.  And I'll bet Walmart's customers and employees are as similar to each other as Costco's customers and employees are to each other.    Walmart's effects on prices is [well known](http://mises.org/daily/2377).  Every cent they save customers is a cent those customers can put towards other things, or prolong how long a particular amount of money will last.  There are numerous [claims about them lowering inflation](http://voices.yahoo.com/the-effects-wal-mart-inflation-603517.html).  So changing nothing else, increasing employee wages would decrease customer savings.  We could make the cost of living for employees be less by reducing the costs of housing rather than crowing every time house prices go up.  And if you believe everyone should have healthcare then ensure everyone has it.  If you believe it should be provided via employers along with a bizarre ""insurance"" industry (a rather peculiar Americanism), then just make that mandatory in the law.  And finally for all the detractors who believe it can be done better, go ahead and do so.  It is always easier to advocate how and what others should do - if Walmart are getting it so wrong then show everyone the right way."


Yes not yet. I mean it's obviously not going to keep at this pace forever but it is funny to see the overreacting of people. It's not just about being able to buy things with bitcoin it's about the tech.  It's already up 126 dollars from the time you posted the gif.


From the etoro website: In the financial trading industry, rollover is the interest paid or earned for holding currency overnight. Each currency has an interest rate associated with it, and because currencies are traded in pairs, every trade involves two different interest rates. If the interest rate on the currency you bought is lower than the interest rate on the currency you sold, then you will pay rollover fees. If the interest rate on the currency you bought is higher than the interest rate of the currency/commodity you sold, then you will earn rollover fees. http://www.etoro.com/blog/product-updates/05062014/important-upcoming-change-fee-structure/


As a general rule, diversification means carrying sufficient amounts in cash equivalents, stocks, bonds, and real estate.   An emergency fund should have six months income (conservative) or expenses (less conservative) in some kind of cash equivalent (like a savings account).  As you approach retirement, that number should increase.  At retirement, it should be something like five years of expenses.  At that time, it is no longer an emergency fund, it's your everyday expenses.  You can use a pension or social security to offset your effective monthly expenses for the purpose of that fund.  You should five years net expenses after income in cash equivalents after retirement.   The normal diversification ratio for stocks, bonds, and real estate is something like 60% stocks, 20% bonds, and 20% real estate.  You can count the equity in your house as part of the real estate share.  For most people, the house will be sufficient diversification into real estate.   That said, you should not buy a second home as an investment.  Buy the second home if you can afford it and if it makes you happy.  Then consider if you want to keep your first home as an investment or just sell it now.   Look at your overall ownership to determine if you are overweighted into real estate.  Your primary house is not an investment, but it is an ownership.  If 90% of your net worth is real estate, then you are probably underinvested in securities like stocks and bonds.  50% should probably be an upper bound, and 20% real estate would be more diversified.   If your 401k has an employer match, you should almost certainly put enough in it to get the full match.   I prefer a ratio of 70-75% stocks to 25-30% bonds at all ages.  This matches the overall market diversification.  Rebalance to stay in that range regularly, possibly by investing in the underweight security.  Adding real estate to that, my preference would be for real estate to be roughly a quarter of the value of securities.  So around 60% stocks, 20% bonds, and 20% real estate.  A 50% share for real estate is more aggressive but can work.   Along with a house or rental properties, another option for increasing the real estate share is a Real Estate Investment Trust (REIT).  These are essentially a mutual fund for real estate.  This takes you out of the business of actively managing properties.   If you really want to manage rentals, make sure that you list all the expenses.  These include:   Also be careful that you are able to handle it if things change.  Perhaps today there is a tremendous shortage of rental properties and the vacancy rate is close to zero.  What happens in a few years when new construction provides more slack?   Some kinds of maintenance can't be done with tenants.  Also, some kinds of maintenance will scare away new tenants.  So just as you are paying out a large amount of money, you also aren't getting rent.  You need to be able to handle the loss of income and the large expense at the same time.   Don't forget the sales value of your current house.  Perhaps you bought when houses were cheaper.  Maybe you'd be better off taking the current equity that you have in that house and putting it into your new house's mortgage.  Yes, the old mortgage payment may be lower than the rent you could get, but the rent over the next thirty years might be less than what you could get for the house if you sold it.  Are you better off with minimal equity in two houses or good equity with one house?   I would feel better about this purchase if you were saying that you were doing this in addition to your 401k.  Doing this instead of your 401k seems sketchy to me.  What will you do if there is another housing crash?  With a little bad luck, you could end up underwater on two mortgages and unable to make payments.  Or perhaps not underwater on the current house, but not getting much back on a sale either.   All that said, maybe it's a good deal.  You have more information about it than we do.  Just...be careful.


"Depends.  I am not an expert on this but I do know that ""beef"" (cows) do not just grow on trees.  Beef is raised and has inputs (labor, hay, corn, land, medical care, weather, etc.).  If the input prices have increased throughout the system then vertical integration can't help you and may even hurt since most of these costs occur before you receive the final product."


If you have the expired check in hand and take it back to the bank that issued it to you, I'd think they could do something for you.  (I'd hope they would, anyway.) But automatically?  I don't think so.


Things we should all understand:  * The Federal Reserve will not engage in QE3 or QE4 or any kind of QE. - Inflation is too high and the economy would be harmed rather than helped.  * The Federal Reserve will not raise rates until 2013-2014. - Ben has been pretty adamant and clear about this. What I'm concerned about is that they keep pushing back the date. Interest rates should have been raised last year.


I have worked for BNP (BNP PARIBAS) a french bank.  From my experience it is the easiest sale to make when working for a bank. Because saving is sold as a long term investment your client is not likely to close the account any time soon. From this product on you could open a broker account if the client wants to take more risks ( yhea yet another sale). If the client is very keen on no risks, there are insurance products (they make plenty of money from insurance) or callable investments that you can propose. Retail banking works by attracting a maximum number of people and selling them a maximum amount of product.  To answer you question is it profitable? I am sure it is not ( right now your savings account costs the bank money because of super low rates in the EU). I think it is all about increasing or maintaining market-share that you see some banks offering some cash just for opening an account.  At the moment we have to sell credit cards to people that is where banks make good money. If you would like me to go more in depth on a specific subject i mentioned here just ask. Hope it helped.


Fototapeta w kuchni i jadalni wydaje się dość nowatorskim rozwiązaniem. Kuchnia i jadalnia są miejscami przyrządzania i spożywania naszych wspólnych posiłków. Warto, więc zadbać o to, aby one kojarzyły się nam ze świeżością, czystością, a przede wszystkim pobudzały nasz apetyt i wprowadzały nas w stan pozytywnej refleksji i odpoczynku.


Playing devil's advocate here:  Let's say you pull this off as a hired manager with no/little salary but with a share in profits. You really put in a lot of work and get the place going. What is going to stop them to kick you out after a season and take it over again themselves benefitting from your effort?