Every month I will get a return in from my share of the profit which would be used for repayment of capital and interest in India. Not to sure what the business plan is. Please factor all the modalities, Exchange rate fluctuations, etc. My concern is regarding RBI rules and regulations, FEMA guidelines, and Income tax. Under the Liberalized Remittance Scheme; Funds can be transferred outside India. Any profit you make will be taxable in India. You will have to declare this pay tax in as per schedule.


The issue yo have to consider is that under many state laws, you must give a merchant three opportunities to correct an issue before you can sue them, so check with your state before considering that option. Here's a link to the Federal Trade Commission's warranty information page, which may give you some ideas about what your options are. Keep in ind, if you let someone else work on the computer rather than the store you bought it from, you might give the guy a valid claim in court to throw out your lawsuit!  Many times, warranties will spell out the conditions under which repair work can or must be done, so make sure you follow every step to the letter in order to preserve your claim. I would strongly suggest that you start creating a paper trail for your claim.  Start by writing a very precise and detailed letter to the store owner, with copies of all relevant documents (your receipts, warranty papers, etc.) included.  Explain the entire history, including what steps you've taken to date to get him to honor the warranty.  Offer him the option to let you take the computer to another shop for repairs at his expense.  Then, send the letter by certified mail, return receipt requested, to the store owner so that he can't deny receiving your letter.  This is all in order to make the best case you can for your claim just in case you do have to sue him. Do not take the computer to anyone else until or unless he tells you in writing that he is willing to let you do that.  You don't want to risk him arguing that the other shop is responsible for the problems now. I hope this helps. Good luck!


"Below is just a little information on this topic from my small unique book ""The small stock trader"":  The most significant non-company-specific factor affecting stock price is the market sentiment, while the most significant company-specific factor is the earning power of the company. Perhaps it would be safe to say that technical analysis is more related to psychology/emotions, while fundamental analysis is more related to reason – that is why it is said that fundamental analysis tells you what to trade and technical analysis tells you when to trade. Thus, many stock traders use technical analysis as a timing tool for their entry and exit points. Technical analysis is more suitable for short-term trading and works best with large caps, for stock prices of large caps are more correlated with the general market, while small caps are more affected by company-specific news and speculation…: Perhaps small stock traders should not waste a lot of time on fundamental analysis; avoid overanalyzing the financial position, market position, and management of the focus companies. It is difficult to make wise trading decisions based only on fundamental analysis (company-specific news accounts for only about 25 percent of stock price fluctuations). There are only a few important figures and ratios to look at, such as: perhaps also: Furthermore, single ratios and figures do not tell much, so it is wise to use a few ratios and figures in combination. You should look at their trends and also compare them with the company’s main competitors and the industry average. Preferably, you want to see trend improvements in these above-mentioned figures and ratios, or at least some stability when the times are tough. Despite all the exotic names found in technical analysis, simply put, it is the study of supply and demand for the stock, in order to predict and follow the trend. Many stock traders claim stock price just represents the current supply and demand for that stock and moves to the greater side of the forces of supply and demand.  If you focus on a few simple small caps, perhaps you should just use the basic principles of technical analysis, such as:  I have no doubt that there are different ways to make money in the stock market. Some may succeed purely on the basis of technical analysis, some purely due to fundamental analysis, and others from a combination of these two like most of the great stock traders have done (Jesse Livermore, Bernard Baruch, Gerald Loeb, Nicolas Darvas, William O’Neil, and Steven Cohen). It is just a matter of finding out what best fits your personality.  I hope the above little information from my small unique book was a little helpful! Mika (author of ""The small stock trader"")"


"This is the best tl;dr I could make, [original](http://www.businessinsider.com/baby-boomers-caused-millennials-destructive-spending-habits-2017-6) reduced by 86%. (I'm a bot) ***** > Millennials&#039; financial decisions have been heavily covered by media organizations - something that has infuriated many of the generation, as news that &quot;Millennials are killing&quot; another industry has become a common headline.  > While millennials&#039; preferences have had a destructive impact on several companies and industries, they had no say in creating the environment that has restricted their income and shaped their financial perspective.  > Reacting against boomers&#039; financial decisions and spending habits is part of the puzzle in understanding why millennials are making choices that could kill companies that based their business on appealing to established trends.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6fh72v/psychologically_scarred_millennials_are_killing/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~137159 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*: **Millennials**^#1 **generation**^#2 **spend**^#3 **debt**^#4 **financial**^#5"


http://www.marketwatch.com/optionscenter/calendar would note some options expiration this week that may be a clue as this would be the typical end of quarter stuff so I suspect it may happen each quarter. http://www.investopedia.com/terms/t/triplewitchinghour.asp would note in part: Triple witching occurs when the contracts for stock index futures,   stock index options and stock options expire on the same day. Triple   witching days happen four times a year on the third Friday of March,   June, September and December. Triple witching days, particularly the   final hour of trading preceding the closing bell, can result in   escalated trading activity and volatility as traders close, roll out   or offset their expiring positions. June 17 would be the 3rd Friday as the 3rd and 10th were the previous two in the month.


"At least for liquid markets, the downside of being a market maker is what we call ""negative selection"". Specifically, if you're both bid and offered in a market, trying to collect your spread, then as the market goes up, you'll tend to sell the whole way up, and vice versa. So if you're not smart about it, you can end up losing a lot of money.   Being a good market maker, then, involves either being able to smarter about when to be aggressively bid and offered and when to pull back, or being able to hedge them quickly before they really hurt you. The first probably would require more sophisticated algorithms, while the second requires good speed and execution strategies."


>when by definition, you are being paid less than your labour  If that were true then why wouldnt the worker just work for themselves? They would make more or at least the same amount and not have to deal with their bosses bossing them around. The fact is that the worker is made more productive through the use of the entrpeneur's resources and business model structure. If there were no extra benefit to the worker in taking the job then they wouldnt take it, just like if the employer did not recieve an added benefit above and beyond what they were paying the worker, they wouldnt hire them. Extra value is created in the two voluntarily working together. No one is being generous or agreeing to the arrangement out of the goodness of their heart. They are both acting in their self interest and they are both benefitting.


"An ETF does not track any one individual stock. It ""is a marketable security that tracks an index, a commodity, bonds, or a basket of assets like an index fund."" Check out this link to learn more about ETFs. The easiest way see what ETF tracks a stock is to determine what sector and industry that company is in and find some ETF that trade it. The ETF will likely trade that stock, assuming that its market cap and exchange it trades on fits within the parameters of the ETF."


2006 santa fe, 2015 sonata, 2013 santa fe, 2017 santa fe.  Not one mechanical problem along the way.  JD Powers reliability study has Toyota at 1, chevy malibu at 2, sonata at 3 and honda at 7.  Again, my assertion is that Toyota isn't worth the premium cost when compared to other cars.


Tesla, along with Musk's other ventures, is still in the mass investment phase. He, like companies such as Amazon, is aiming for huge market caps in diverse investments before he aims on net profitability. It's risky for him and for those giving him extra money, but there's that huge long term payout from market dominance being focused on.


The optimal time period is unambiguously zero seconds.  Put it all in immediately.  Dollar cost averaging reduces the risk that you will be buying at a bad time (no one knows whether now is a bad or great time), but brings with it reduction in expected return because you will be keeping a lot of money in cash for a long time.  You are reducing your risk and your expected return by dollar cost averaging. It's not crazy to trade expected returns for lower risk.  People do it all the time.  However, if you have a pot of money you intend to invest and you do so over a period of time, then you are changing your risk profile over time in a way that doesn't correspond to changes in your risk preferences.  This is contrary to finance theory and is not optimal.  The optimal percentage of your wealth invested in risky assets is proportional to your tolerance for risk and should not change over time unless that tolerance changes. Dollar cost averaging makes sense if you are setting aside some of your income each month to invest.  In that case it is simply a way of being invested for as long as possible.  Having a pile of money sitting around while you invest it little by little over time is a misuse of dollar-cost averaging. Bottom line: forcing dollar cost averaging on a pile of money you intend to invest is not based in sound finance theory.  If you want to invest all that money, do so now.  If you are too risk averse to put it all in, then decide how much you will invest, invest that much now, and keep the rest in a savings account indefinitely.  Don't change your investment allocation proportion unless your risk aversion changes. There are many people on the internet and elsewhere who preach the gospel of dollar cost averaging, but their belief in it is not based on sound principles.  It's just a dogma. The language of your question implies that you may be interested in sound principles, so I have given you the real answer.


"Would still be affected by energy prices, labor, weather, and any other input they don't have full control over. Labor and weather can never be controlled.  Other users of beef may have a derivative hedge. A derivative hedge would likely provide more direct (maybe short term) protection than a vertical integration hedge.  With a financial hedge all of the secondary risk factors are ""incorporated"" while with vertical integration you are still left with the risk of each and every input to the final product that you do not control.  Vertical integration is done for a lot of reasons and it doesn't always result in lower than market costs, especially over any given period."


Cool. In that case, shooting for the publication on the thesis might not be the best thing to focus on due to the timing etc. If you do shoot for a publication with it, you might want to try for the ABS 3 range or higher. Either way, you'll still want to do really well on the thesis so your advisor can write a good letter and speak to your research capabilities. That's great to mention it as part of your research interest and background as well.   The top comment on here is really spot-on. It's not too early to start to dive into some of the finance research (ABS 4* journals and then the journals cited in these journals would be good to start) to be able to identify/discuss your potential research agenda when you apply, and to also hit the ground running with your research. A top pub in doc school and ongoing pipeline would basically be a requirement to land at one of those schools fresh out of your program. It's good to keep in mind that you can move up after your initial placement, but it is difficult. Ideally you'll want to place at the flagship level initially after your program.


"> Without welfare to keep it alive Tesla would've gone under, they had a few near death experiences.  The near death experience was saved by Mercedes, not the government.  Any other prior near death experiences were saved by private financing rounds from various VC firms and Musk himself.  The government loan accelerated release and production ramp of the Model S, it did not save the company.  By the way, Nissan took a loan almost 10x the size of Tesla's, I believe Ford took almost as much as well.  I do not blame either, nor do I blame the government, because the point of these loans is to improve advanced powertrains to get us off of gasoline, which is a plague on the world, and thus these were a fantastic way to spend a small amount of our resources to make a big result - and produce a profit for the country at the same time.  >On top of that, if you're wealthy enough to buy a model S in California, you qualify for nearly $10,000 in state and federal subsidies. The government is all up in there making it happen.  The Model S has routinely destroyed every competitor in just about every way, has won top marks in nearly every review and just about every award it's eligible for, has received the best customer satisfaction numbers recorded, and has outsold the competition despite being new and constrained in many ways and even blocked from selling in multiple states.  And is selling at a price point where $10,000 is nice, but hardly breaks the bank, especially considering the amount of people who buy the upgraded battery pack, which costs them $10,000, even though they don't need it.  So you really think a car which is so much better than anything else anywhere near its price point is going to sell solely because of the tax credit?  If so, I suspect you haven't driven one, because if you had, you would know that it sells because of the driving experience, not the tax credit.  Rich people aren't sitting down with their friends' accountants to tell them to buy one, they're giving their friends test drives and blowing their freaking minds.  Further, the oil industry has accepted subsidies for over 100 years, as have many other automakers, and as referenced before there are some states where the government blocks Tesla from selling cars.  So I suppose ""the gubmint is all up in there making it happen"" for everyone else as well, aren't they?"


They hold most of time rental value for example if you rent car for 5 days and decline insurance offered at counter - they will ideally hold  5days x rental value per day + insurance x 5 days  most of them round of this figure. if the card is issued from overseas like asia they hold extra $ 500 for collection issues.  hope this helps you to plan - this is general thumb rule.


Which in the spirit of the conversation, is pretty much true. You can argue with someone else about whether a well built tiny HDD media player, or a touch screen phone that is operated with just a finger is an 'invention'. Either way it is pointless in a conversation about whether Apple is just marketing.


When a stock price rises, the company's assets are worth more. This doesn't mean it gets more cash directly, but it can liquidate (= sell) some of its stocks for a higher return than before.


I'm struggling to see the business connection here, unless this is now the sub for business on the hill.  This seems better suited for /r/politics. I try and stay out of the trump banter subs for a reason, why does it always have to leak out at every possible chance?


Littleadv has given you excellent general advice, but to my mind, the most important part of it all and the path which I will strongly recommend you follow, is the suggestion to look into a mutual fund. I would add even more strongly,  go to a mutual fund company directly    and make an investment with them directly instead of making the    investment through a brokerage account.  Pick an index fund with low expenses, e.g. there are S&P 500 index funds available with  expenses that are a fraction of 1%. (However, many also require minimum investments on the order of $2500 or $3000 except for IRA accounts).  At this time, your goal should be to reduce expenses as much as possible because expenses, whether they be in brokerage fees which may be directly visible to you or mutual fund expenses which are invisible to you, are what will eat away at your return far more than the difference between the returns of various investments.


Get someone in your family to pay for it. If that's not an option, you have no choice but to make do with what you can do, and either get a job or a loan. I'd advise a job unless you're studying something with a really strong possibility of getting you a high paid job.


There are some great tips and advice in here.   Here's something you may not have considered. The capacity for income is limited by your time and the tuk-tuk rates.  For example, if you become the best and most well-known tuk-tuk driver in Siam Reap and all the tourist want to use your service, the most business you can do is 1 customer per day.   However, if you were to make Trusty Tuk Tuks a booking service you could make a margin from multiple drivers.  Heres how it works:  You find 10 drivers who all agree to do the same features - Cold drinks and snacks, curtains, help tourists with tickets, trusty tuk-tuk business cards. Paint or decorate the tuk-tuks so they all look the same. All drivers agree that for every booking you bring them, they will offer the same service and pay you 10%.   Set up a stand at the market with someone that speaks English and take bookings. Tell your potential customers about the price, the tuk tuks, the cold drinks, the ticketing help, and what temples they can visit.  Soon Trusty Tuk Tuks becomes a brand. This way you are not limited to 1 tuk tuk and 1 customer a day.  The key here is that all drivers must agree to the same price and the same service. Its the consistency that makes a brand.


I have not come across any studies that address this specifically. Personally, I would want 5 years of stability to compare to an equal period prior to 2008 and I am not convinced that we have that. I would envision such an outcome however, as a result of belt-tightening in light of the recession carrying over as business-as-usual afterwards. The pace of progress makes it difficult to make one to one comparisons but were I to draft a question for consideration it would probably be: Does salary of job description X (e.g. software engineer) earn an amount equal to the same position during 2002-2007 in adjusted dollars? Some controls would most likely be necessary.


TL/DR  Yes, The David popularized the Debt Snowball. The method of paying low balance first.  It's purely psychological. The reward or sense of accomplishment is a motivator to keep pushing to the next card.  There's also the good feeling of following one you believe to be wise. The David is very charismatic, and speaks in a no-nonsense my way or the highway voice. History is riddled with religious leaders who offer advice which is followed without question.  The good feeling, in theory, leads to a greater success rate. And really, it's easier to follow a plan that comes at a cost than to follow one that your guru takes issue with.  In the end, when I produce a spreadsheet showing the cost difference, say $1000 over a 3 year period, the response is that it's worth the $1000 to actually succeed. My sole purpose is to simply point out the cost difference between the two methods. $100? Go with the one that makes you feel good. $2000? Just think about it first.  If it's not clear, my issue is less with the fact that the low balance method is inferior and more with its proponents wishing to obfuscate the fact that the high interest method is not only valid but has some savings built in. When a woman called into The David's radio show and said her friend recommended the high rate first method, he dismissed it, and told her that low balance was the only way to go.  The rest of this answer is tangent to the real issue, answered above.  The battle reminds me of how people brag about getting a tax refund. With all due respect to the Tax Software people, the goal should be minimizing one's tax bill. Getting a high refund means you misplanned all year, and lent Uncle Sam money at zero interest(1). And yet you feel good about getting $3000 back in April. (Disclosure - when my father in law passed away, I took over my mother in law's finances. Her IRA RMD, and taxes. First year, I converted some money to Roth, and we had a $100 tax bill. Frowny face on mom. Since then, I have Schwab hold too much federal tax, and we always get about $100 back. This makes her happy, and I'll ignore the 27 cents lost interest.)  (1) - I need to acknowledge that there are cases where the taxpayer has had zero dollars withheld, yet receives a 'tax refund.' The earned income tax credit (EITC) produces a refundable benefit, i.e. a payment that's not conditional on tax due. Obviously, those who benefit from this are not whom I am talking about.  Also, in response to a comment below, the opportunity cost is not the sub-1% rate the bank would have paid you on the money had you held on to it. It's the 18% card you should be paying off. That $3000 refund likely cost over $400 in the interest paid over the prior year.


Math undergrad here and I agree with others who suggest it is a good path for any quantitative business or data analysis field. I eventually went back for an MBA focused in finance and now work as a financial analyst. In addition to some of the mathematical advantages others are listing here another one I found is being able to teach myself how to code macros in Excel. I would  encourage anyone with an interest in math who enjoys quantitative problem solving to pursue math degrees.


Choosing an activity class for your child is easy now, as today there is lot of focus and importance given to Pre-School and Activity Centre, these Pre-School and Activity Centre are now in huge demand, these school and centres are now properly looked as profession with more and more people getting into it and putting up a proper management and SOP’s to run the schools and centre, there are few companies backed by corporates and run through proper management.  Parents are constantly looking at more than one way to enroll their kids in some activity class, so as to engage them into activities that can help them become better, healthier and active individuals. As parents now, not only wants the child to be properly educated, they also want the child to be developed with the best extracurricular activities. Activity Centres in Chembur play an important role in the development of the skills of the child, they help the child to horn their skills and showcase their talent.


I agree with you that smartphone deposits make you more vulnerable to a variety of issues. Checks are completely insecure, since anyone with your routing/account number can create a check, and individuals are less likely to shred or otherwise secure the check properly. Ways to control this risk are:


"You're missing the point. A ""skilled"" adult (however you want to define that) shouldn't have to compete with a teeneger. But I get it. Econ 101 supply and demand. The problem is ""economists"" are now saying that the supply side is the only one that maters and that if you just pump up supply demand will follow and thus we now have flippant idoitic policy! Resolve THAT. Please."


"> Don't forget: Praise in public, criticize in private.  I would also add to reinforce your praise in private as well, but not when you're about to criticize. During a one-on-one (which OP should hold monthly with each employee), remind them of the awesome thing(s) you remember them doing since the last meeting (but don't make something up or make something small seem big). It shows that you care enough to remember, even when others have ""left the room""."


The analysis is also flawed.  Recent downturns in mining stocks are highlighted, but these stocks have been growing strongly for a long time now.  Being spooked by a sudden downturn during a long upward swing is not a good investing strategy, but typical of the kind of idea that apparently makes for good news copy.


"It's a scam. The cashier's check will be forged. Craigslist has a warning about it here (item #3). What kind of payment do you think is not fakable? Or at least not   likely to be used in scams? When on craigslist - deal only locally and in person. You can ask to see the person's ID if you're being paid by check When being paid by check, how can seeing his/her ID help? In case the   check isn't cashable, I can find that person by keeping record of   his/her ID?  If you're paid by check, the payers details should be printed on the check. By checking the ID you can verify that the details match (name/address), so you can find the payer later. Of course the ID can be faked too, but there's so much you can do to protect yourself. You'll get better protection (including verified escrow service) by selling on eBay. Is being paid by cash the safest way currently,   although cash can be faked too, but it is the least common thing that   is faked currently? Do you recommend to first deposit the cash into a   bank (so that let the bank verify if the cash is faked), before   delivering the good?  For Craigslist, use cash and meet locally. That rules out most scams as a seller. What payment methods do you think are relatively safe currently?   Then getting checks must be the least favorite way of being paid. Do   you think cash is better than money order or cashier order?  You should only accept cash. If it is a large transaction, you can meet them at your bank, have them get cash, and you receive the cash from the bank. Back to the quoted scam, how will they later manipulate me? Are they interested in   my stuffs on moving sale, or in my money? They will probably ""accidentally"" overpay you and ask for a refund of some portion of the overpayment. In that case you will be out the entire amount that you send back to them and possibly some fees from your bank for cashing a bad check."


"SECTION | CONTENT :--|:-- Title | CNN treats politics like sports — and it’s making us all dumber Description | When you treat politics like a game, you’re going to end up with news coverage that cares more about drama than it does about the truth.  Follow Strikethrough on Facebook! https://www.facebook.com/CarlosMazaVox/  CNN has modeled it's political coverage after shows like ESPN's ""First Take,"" pitting commentators against each other to argue about the day's news stories. That makes for cheap and entertaining television, but in the Trump era, it's turned CNN into a circus of bullshit and misinformati... Length | 0:06:03    SECTION | CONTENT :--|:-- Title | What happens when you treat health care like a soap opera Description | Cable news treated a major health care vote like an episode of House of Cards. That kind of coverage might make for entertaining television, but it badly warps the way viewers at home understand what's at stake in the fight over health care.  Follow Strikethrough on Facebook! https://www.facebook.com/CarlosMazaVox/  In the coverage of the Republican effort to repeal and replace Obamacare, cable news networks have largely fixated on the drama of trying to get the Republican’s bill through Congres... Length | 0:06:17           ****   ^(I am a bot, this is an auto-generated reply | )^[Info](https://www.reddit.com/u/video_descriptionbot) ^| ^[Feedback](https://www.reddit.com/message/compose/?to=video_descriptionbot&subject=Feedback) ^| ^(Reply STOP to opt out permanently)"


Hate to link this trolls article, but seriously. I own that real estate, pay me not to recline. First off, that is what is wrong with people, when selfishness over a few inches trumps common courtesy. How about, I can see you're tall and are being cramped into a small space, I'm not going to be an asshole and crunch my seat on top of your knees. No, it's I paid for this seat and I will take every inch possible, regardless how many people it inconveniences, and if you have a problem why not pay me. Hell, do you fight with the person next to you over the armrest as well?


"No it's more like:  ""Hey guys, you're just delaying the inevitable.""  ""Other than mere speculation and nice sounding anecdotes, what empirical/scientific evidence do you have of this?""  ""Oh... you just wait and see, it's gonna happen.  It might take another 50 years but it will happen.  I know this because the market is like getting drunk...""  ""Ummm... ok?"""


Go through some top reasons behind using epoxy floors for your hangars. You'll be surprised to read the benefits that you can avail by getting this flooring done at your hangar. The installation services are very affordable indeed.


"NORMALLY, you don't want to buy in a bad neighborhood. The one exception is ""gentrification,"" that is middle class people are moving in because of a good location (which you seem to have). The other important thing to do is to cover your mortgage. Four ""guys"" at $500 a month will do for an $1800 mortgage. The nice thing is that you are your own tenant for two years and can watch the place. The downside of the neighborhood may be that you can't rent the place to four ""girls"" or two girls and two guys even after you leave; it will always have to be ""guys.""  I'd advise most people to pass. With your financial standing and entrepreneurial background, you might just be able to take this risk, and learn from it for your future dealings if it doesn't pan out. (Donald Trump ""cut his teeth"" on a slum complex in Cincinnati.) Hear what I (and others) have to say, then do what ""feels right,"" based on your best judgment, of which you probably have plenty."


"I would get a new outside unbiased accountant who WILL show you the books. I might consider heavily hiring a new manager who is willing to work with you.   Perhaps an audit might be in order?   Regardless, if this manager continues to ""talk down"" to you, this is when you tell him he needs to be prepared to work with you or work something out.  In the meantime, I might consider looking into interviewing my own candidates for the job.  Where there is smoke...there is fire.  You want to have candidates ready for if they bolt when you have the ""talk."""


She filed for 0 withholdings in her W4, so my (unprofessional) guess   was that she'd be owed money, and therefore the IRS wouldn't care much   if she didn't file her taxes.† Maybe, but doesn't she want that money back? Is she at as much risk as any other individual of being audited and   penalized to the same degree if she skips filing her taxes? Audited and penalized are not the same. She's at the same risk of being audited, and even slightly higher since the IRS got reports of her wages, but didn't get the matching report from her. They may want to ask why. But it doesn't mean she's going to be penalized for anything. Being audited doesn't mean you did something wrong. Or does the IRS tend to overlook such individuals. The IRS might want to overlook because they're the ones owning money. She cannot get a refund without filing a tax return. She'd file her taxes today if she could, but the worry is that time's   running out Filing an extension is free and it postpones the deadline to file till OCTOBER!


Assuming a USA taxable account: Withdrawing funds from a brokerage account has nothing to do with taxes. Taxes are owed on the profit when you sell a stock, no matter what you do with the funds. Taxes are owed on any dividends the stock produces, no matter what you do with the dividend. The brokerage sends you a form 1099 each year that shows the amounts of dividends and profits. You have to figure out the taxes from that.


You can read [the government report](http://files.consumerfinance.gov/f/documents/201709_cfpb_financial-well-being-in-America.pdf) yourself to verify it.   I can tell you that a lot of extreme poverty gets completely papered over in popular culture. It's never touched on in popular fiction or mainstream news. Back in college, I would volunteer as a youth mentor and teacher's assistant in our small city. The city was at one time an important rail hub with an impressive steel mill. The mill had been abandoned for decades. The old part of the city had all sorts of decaying but nice antebellum homes. The rest of the city was newer, but nonetheless the decay was everywhere. Broken windows in every corner, and abandoned buildings galore. More than *70%* of the kids in the district couldn't even normally afford school lunches, so they qualified for free meals for it. It's really heart breaking. Under the nose of the people in the center of society, vast swaths of America have become nearly third world, [and it happened quite quickly in many regions.](https://i.imgur.com/orRkVOf.gif)


The research was comparing grocery chains in Manhattan, who all would have similar costs, and WF was the second cheapest.  It's not apples to apples if you're comparing prices at stores in locations that would have different costs of doing business. Of course things will be cheaper way out in the Bronx than in midtown Manhattan.


"I really think the switch to ""digital"" was a big contributor (not that it wasn't trending that way already anyway, but the switchover certainly didn't get MORE people to watch).    I know in my location (rural, about equidistant between three major cities/TV markets) the reception sincerely sucks.    One result was that I went from watching minimal TV to basically watching none at all.  Plus I think the economy has forced a lot of people to rethink things like Cable TV and/or Dish services and the like -- and many more people are deciding that it just isn't worth the cost."


Everyone has to be honest as hell. I worked next to an office for a group called Universal Life Church in the 1980s. They set up a deal where anyone could be a pastor, and this guy in the ofice would send out checks in the name of a church with a few tandy computers and a program he wrote. Checks for house payments, utilities etc. He called himself a Bishop. Then one weekend someone took the money and he had to skip town.


If you place your emergency fund in your TFSA, you can withdraw it at any time (e.g. in an emergency), and then replace the withdrawn money in the next calendar year. Be careful there; you pay a hefty fine if you replace it in the current calendar year if this leads to an overcontribution. It's not an either-or thing, though. You could invest the money in a mutual fund inside your TFSA. I strongly recommend against this for your emergency fund, however. The whole point of an emergency fund is that you may need it immediately. So, keep it in an investment that you can liquidate quickly. Cash or very-near cash. While I obviously don't know your specific situation, I needed $10,000 within 24 hours and another $10,000 within two weeks during an emergency. In a world where you have large sums of money, you'd max out your RRSP and TFSA with investments and keep your emergency fund outside of both. But most of us aren't in that situation. In that case, it makes sense to use your TFSA for your emergency fund. I use some of my TFSA space for my emergency fund (savings account paying low interest, though people often like GICs) and some for investment (passive indexed stocks and bonds). Note that you need to pay taxes on your savings account interest, too, if held outside your TFSA and RRSP accounts.


I'm not sure if English is your first language or not, but I can't even understand what the hell you are trying to say. If it's not, I'm not trying to be an ass, but can you try to rephrase your point? If it is, Jesus Christ learn some grammar. It doesn't have to be perfect but at least make your point clear.


Most investors should not be in individual stocks. The market, however you measure it, can rise, yet some stocks will fall for whatever reason. The diversification needed is to have a number of shares of different stocks, and that a bit higher than most investors are able to invest and certainly not one starting out. I suggest you look at either mutual funds or ETFs, and keep studying. (I'm told I should have offered the UK equivalent Investment Trusts , OEIC, or Unit Trusts)


> What is your background? Whats your job? College? That sort of thing... So I know who I am talking to.  Really? It wouldn't be so you can make ad hominem attacks would it? anyway, if you can't argue on the internet, give up.


Don't fuss about your credit score when you're paying 9%. Get rid of the loan as fast as you can. Period.


"If you have already maxed your TSP contributions, the ""401k"" for military folks, you could consider a Traditional IRA contribution. They are tax-deductible, based on some limits, so it may reduce your tax liability. Many online services (Vanguard, Fidelity, etc.) offer quick and free setup of Traditional IRA accounts. If you have already maxed the Traditional IRA as well, you could look at making taxable investments through an online service. Like homer150mw, I would recommend low-cost funds. For reasons why, see this article by John Bogle."


Lobby lobby lobby, Don't invest in renewable the returns are god awful.   Renewable's are so rational and logical as a future energy source that I can't see it being any other way. Producing energy that replenishes over time seems like a no brainer


Are you looking for a production house that is capable of creating unique and high quality audio visual content? If your answer is yes, then One Shot Films is the one stop solution for all your needs. This company has a team of well-trained professionals who put their all in any project they get.


"Loved this...  >A Philadelphia-area human-resources executive told Mr. Cappelli that he applied anonymously for a job in his own company as an experiment. He didn't make it through the screening process.  ---  And crap like THIS...  >Neal Grunstra, president of Mindbank Consulting Group, a temporary-staffing company, calls this ""looking for a unicorn."" Mr. Cappelli's favorite email came from a company that drew 25,000 applicants for a standard engineering position only to have the HR department say not one was qualified. One job seeker said ""he had been told he was perfect for a given position—except for the fact that his previous job title didn't match that of the vacancy,"" a title unique to the prospective employer.  Is the reason why -- even 2 decades ago -- I refused to let ""HR"" do any filtering or ""pre-qualifying"" of resumes for me when I hired. (Because they have no idea of the *degree* of importance attached to any specific hiring ""requirement""; and that many of said requirements are not requirements at all, but rather ""it would be great if the candidate had XXX, but YYY will do just as well, depending..."")  Also, this is why the BEST way to get hired (or to hire) is to do an ""end run around"" the HR department and get resumes into the hands of the hiring manager via networking -- preferably avoiding HR and the whole ""classified/listed job"" altogether -- HR can handle the paperwork around hiring AFTER qualified candidates have been interviewed."


That makes no sense. Such a person would realistically only need catastrophic health insurance, which one could buy in the 70's for about the cost daily of a pack of cigarettes. Today that'd be about maybe what, $120/month? That sounds about right for the risk involved. Something doesn't add up here then, why can't insurance companies offer such a plan anymore?   *Not sure why I'm being down voted? I even provided a link below? Did I offend someone's sensibilities?


"> Taxing wealth is an easy idea, but I don't think it can ever work. Wealth is too easily hidden, transformed, or revalued.  You should Google the effective corporate tax rates. It's much much easier to hide corporate profits or find loopholes than to tax individual income.  Also, your allegory about Kleenex makes zero sense whatsoever. These aren't things the ""owners"" would normally consume, of course not. However, that's a super weird way to define a business. I trust a sole proprietor that stocks vending machines wouldn't ""consume"" all these beverage products on their own, but a business works that way.  A corporation isn't its own entity, it is actively managed by people hired by the shareholders. It doesn't make its own decisions, it isn't a self-perpetuating machine. Why do we tax it as if it does? Tax income for people. Making the argument people will find loopholes is just as ludicrous. Corporations find tax loopholes anyway, but I find it pretty ridiculous to think ""we can't make that a law because people will break it"". Then make it so people can't break it.  As it stands, it's easier to find loopholes and write-offs as a corporation than an individual anyway, and the consequences as a corporation are insignificant to shareholders if they do get caught  Taxing individual wealth isn't the easy idea. Double-taxing an arbitrary intermediary is."


Hello LY! I lived in Phnom Penh for a couple years. Loved Siem Reap and Angkor Wat. I tell you what, any time I needed to catch a moto or tuk tuk, we would always pick the one who wasn't shouting over every one to get us to ride. Just be cool and be yourself. Be active on social media. Take Instagram photos with clients you think are super nice. Tag them in your photos. Ask them to rate you on trip advisor. Post on twitter letting people know when you are available for rides.  I hope I am helpful! Good luck my man.


"Yep, most 401k options suck. You'll have access to a couple dozen funds that have been blessed by the organization that manages your account. I recently rolled my 401k over into a self-directed IRA at Fidelity, and I have access to the entire mutual fund market, and can trade stocks/bonds if I wish.  As for a practical solution for your situation: the options you've given us are worryingly vague -- hopefully you're able to do research on what positions these funds hold and make your own determination. Quick overview: Energy / Utilities: Doing good right now because they are low-risk, generally high dividends. These will underperform in the short-term as the market recovers. Health Care: riskier, and many firms are facing a sizable patent cliff. I am avoiding this sector. Emerging Markets: I'm also avoiding this due to the volatility and accounting issues, but it's up to you. Most large US companies have ""emerging markets"" exposure, so not necessary for to invest in a dedicated fund in my unprofessional opinion. Bonds: Avoid. Bonds are at their highest levels in decades. Short-term they might be ok; but medium-term, the only place to go is down. All of this depends on your age, and your own particular investment objectives. Don't listen to me or anyone else without doing your own research."


specifically for YouTube, children have become one of the most lucrative niches to be in. Ad revenue for child marketed videos are huge because they know lots of kids tune in and they know children have great conversion rates.   Especially in tandem with tech like Amazon, a child sees some amazing product and nags their parents to get it, but instead of having to drive to the store, they log onto Amazon and 1 click order it.   Lots of tech evolving but the idea is as simple as it was with the advent of TV. Kids like things, parents spoil their kids, toys are bought with huge mark up, money is made.   Adults are hard to market to because they are educated and have self control. Kids see a flashy new toy and that's all they talk about for the next two weeks...until they see the next flashy toy.


I agree, Malcolm has good points and interesting theories, but flawed to certain extents, but he does make disclaimers. For instance he said in an AMA that the 10,000 hour rule doesn't always apply, and thought he made it clear when he wrote it in his book.


A counterpoint to that is that a money / finance system depends on a significant degree of trust that this paper is worth something, that banks will return your deposits when you collect them etc. This is an area where developed countries have an advantage over 3rd world countries - it is hard to start a business when you are scared that the local police chief will just come a long and steal your assets.


The net worth is based on an estimate of how much he would get if he relinquished his stake.  The total funding is based on how much he has relinquished thus far. Suppose I have a candy jar with 100 candies.  I'm not sure how much these candies are worth, so I start off by selling 10% of the jar for $10.  Now I have 90 candies and $10, a total value of $100.  Then someone comes along offering $100 for another 10% (of the original jar, or 10 candies), which I accept.  Now I have 80 candies and $110.  Since I value each candy at $10 now, I calculate my worth as $910.  Then I do another deal selling 10% for $1000.  Now I have $1110 in cash and 70 candies valued at $100 each.  My total worth is now $8110 (cash + remaining candies), while the candy jar has only received $1110 in funding. Replace candies with equity in The Facebook, Inc. and you get the idea.


Good question. Your assumptions are a bit off-track though. I am sure you would agree that automation will occur gradually allowing a new workforce that is equiped with relevant skills to support automation tech and operations to bubble up. This workforce will drive up consumer spending offsetting your assumption of diminishing consumer spending.   The extent to which this new workforce will offset diminishing consumer spending of the workfoce being laid off is a matter of debate but one thing is certain consumer spending albeit relatively weaker or stronger will exist and businesses will continue to thrive. Another possibility is that the workforce getting laid off might be reabsorbed in other sectors of the economy or better yet some companies might re-train some of it.   The assumption that _most of the jobs will be automated_ doesn't necessarily imply that automation leads to job loss. Some automation will actually drive up productivity which will increase the margin of companies. In light of this logic we can assume that employees will be paid more increasing their disposable income.    The bottom line is that consumer spending is unlikely to bottom out. It might weaken or strengthen for one or two reasons but people will continue consuming and businesses will thrive.


Not necessarily, I doubt that will happen, most franchises are worth $250k - $1m, so as long as their liability doesn't exceed that McDs can just revoke franchise licenses and resell them in the event of a substantial labor dispute.   Further, I suspect they would pickup an insurance policy to cover anything above that.


Serve clean cold bottled water, maybe have a cooler.  Decorate your Tuk Tuk with eye-catching colors or designs.   Have maps of popular places to go in Angkor Wat.  Make sure people know how to find you — think about getting a facebook page, or use SEO to get high rankings when people search for “best tuk tuk angkor wat”  Give your customers business cards with your name, email address and a few benefits of your tuk tuk. If you speak good English, make sure the card says that. If you are always on time, say that. Etc.   Make your prices clear and fair.  Be positive and helpful with all of your customers.   Build great itineraries with a lot of interesting things and variety.


Not to be flippant, but I hope you're asking for llfinance to cover stochastic calculus on his blog, and not for someone here to give you a primer on it.  If you like, I can give you an explanation for why stochastic calculus has to be different from regular calculus.


I've had Prime for about ten years now and honestly the free shipping component isn't what is keeping me. When I buy things on Amazon I do often click the option to only see prime options, but Prime Video is where I see most of the value. The video service is great and the original programs are pretty good. Not quite Netflix quality or quantity yet. For kids it's great to be able to download videos that are free with prime to watch offline on a plane or in the car.  They keep adding more and more prime benefit so I haven't even considered not renewing in several years


Yes, I grew up about 20 minutes away and visit often - I know.  Bankrupt casinos are a pretty normal thing for AC.  This isn't 1980, when AC was one of VERY few gambling options east of Vegas.  Now they have New Yorkers going to Connecticut for Mohegan or Foxwood, Sugarhouse or Delaware Park for people in Philly... and flights to Vegas are faster, easier and cheaper than ever.  Yes, I know AC is hurting.  The problem is those NYC-area and Philly-area casinos which steal away customers.  AC just needs to scale back the casino focus, a nice 3-4 on the boardwalk could survive easily - I think Revel will be one of them.  But Showboat and Plaza are closing at the end of summer... and more of the older ones are sure to follow.  Once those are closed and demolished, replaced by some nice beach condos... I think AC can turn it around.  It's just going to take time.  Revel can survive, but the big money / big casino era for AC is over.


"Universal Steel of America understands the importance of helping our clients make the right decision and the long term impact that decision can have on them. In the spirit of doing good business, Universal Steel of America welcomes the relationship and expectation of our client. We certainly know that ""Our Success"" will always be measured by their happiness, ensuring new and repeat business and helping keep us at the forefront as one of the industry's design-build technology leaders."


"I know nothing about this stuff. Am I in trouble? You might be. If you don't file your return the IRS may ""make up"" one for you based on the (partial) information they have. Then they'll assess taxes and penalties and will go after you to pay those. Will I be hit with interest/penalties? You may if any money is owed. You may also lose the refund if you wait for too long (3 years after the due date). You may also be hit with the penalties for non-filing/late filing by your State. Not owing to IRS doesn't mean you also don't owe to the State - you can get hit with interest and late payment penalties there too. He has all my paperwork (I probably have copies... somewhere...) Should I go somewhere else and start fresh? He must return all the original paperwork you gave him. He can be disbarred if he doesn't. If you did 2013 yourself - what was significantly different in 2012 that you couldn't do yourself? If nothing - then just do it yourself and be done with it. You can buy 2012 preparation software at very deep discounts now. Otherwise - yes, go somewhere else. Busy season is over and it shouldn't be difficult to find another preparer/EA/CPA to do the work for you."


The biggest concern is how you get $250,000 in unsecured credit. It's unlikely that you will be loaned that amount at a percentage lower than what you expect to earn. Unsecured credit lines are rarely lower than 10% and usually approach 20%. On top of that, for a bank to approve you for that credit line, you have to have a high credit score and an income to support the payments on that credit line. But lets suspend disbelief and assume that you can get the money you want on loan. You would then be expected to pay back that 10%, but investments don't go up uniformly. Some years they go up 15-20% and other years they go down 10%. What do you do if you have to sell some of your investments in a down year? That money is no longer invested, and you can't recover it with the following up year because you had to take too much out to cover the loan payments. You'll be out of money long before the loan is repaid because you can expect there will be bad years in the stock market that will eat away at your investment. There were a lot of people who took their money out of the market after the crash of 2008. If they had left their money in through 2009, they would have made all that money back, but if you have a loan to pay you have to pull money out in the bad years as well as the good years. Unless you have a lucky streak of all good years, you're doomed.


You should definitely favor holding bonds in tax-advantaged accounts, because bonds are not tax-efficient. The reason is that more of their value comes in the form of regular, periodic distributions, rather than an increase in value as is the case with stocks or stock funds. With stocks, you can choose to realize all that appreciation when it is most advantageous for you from a tax perspective. Additionally, stock dividends often receive lower tax rates. For much more detail, see Tax-efficient fund placement.


How do you tell the 'good' from the 'bad' when 90% isn't good stuff?  Why bother with (and make reference to) a source that's so bad- 90% of the time - they're full of shit?  Mackitus is right:  Warning- ZeroHedge post.


> “There should be more public appearances by the CEO, there should be ongoing media relations activities that help give confidence to investors,” Argenti said. “I don’t see any of that going on. I see the exact opposite. **It’s amateurish**.”  I think that about sums it up


When I was in Los Angeles last, it was crazy, WiMax 4G EVERYWHERE. In San Diego there was absolutely 0 WiMax. I've been on 4G maybe 10 times in over 2 years and each time reminds me how bad 3G sucks. I recommend not using 4G until you have a network in your area as it's pretty depressing to go back.


What concerns me is Japan's lost decade. They pulled the same shit the U.S. did 20 year earlier and they still haven't recovered. Now that our economy is global, Japan can't just start pushing exports to refuel their automotive sector, which in turn refuels their industrial sector etc etc. Once interest rates hit zero there's nothing left to be done. If this had happened to Japan 100 years ago perhaps they would have been able to introduce policies that would help a create a slower but steadier recovery.   Now that our economy is global, Japan has no choice. They have to compete with the rest of the world. QE is our last chance. You can argue over whether it was the right call or not until the sun burns out. It's here now and if investors panic, that's it. There will be no reasonable investment, prompting no recovery. This is our only chance. It's nice that the market saw a huge run up when the Fed was flooding it with money. However, whether or not that decision will prompt a recovery is yet to be seen. Now that the Fed is easing we'll truly see what the last five years have all been for.  edit: I mean, this is it. It will either work or it won't. This is where it all comes together or fails.


Well this is not the best situation.  Sorry to your friend. First off ROTHs are out, you need earned income.  Secondly, I don't think the focus should be on retirement planning until there is again an earned income.  Thirdly, this person is just in a bad spot. Lets assume that you can find some really good mutual funds, that consistently return 10% per year.  At best this person can only pull out 10K per year without touching principle.  At that income level, taxes are not much of a concern; not as much as surviving.  If this person knows anything about investing, they know funds don't work like this.  They could be down 5%, down 5%, up ~40% in three years to give an average of 10% return.  Which of course further complicates matters.     This person (IMO) should seek to start a different career.  One that can cater to any long term issues this person has with pain/disability.  The money could be used toward training/education in order to get money flowing again.  That is not to say the full amount should be used for a BA in Russian Folk Literature, but some minimum training to get a career that starts earning real money.


The money you receive from son would be treated as gift. As per gift tax you can get unlimited money from son and there is no tax implication. You are free to use money as you like. There is no restriction. Any profit you make is taxable as income to you.


This scheme is specifically aimed at giving a bit extra to people who have reached or will reach pension age before April 2016 when the new flat-rate pension comes in.  The new scheme will pay somewhat more than the current one, so this scheme is intended to provide some compensation. A couple of points which aren't mentioned on the calculator but are in various articles: It's a much better deal than you could get buying an annuity on the open market at the moment but it does have the same major downsides as any annuity: It's not a no-brainer but nor is it an obviously bad deal.


It really depends.  How often will this thing go down?  How much cleaning will it need?  If this thing needs cleaning once per day, You could hire someone to come in at nights and clean multiple stores.   If these things don't go down multiple times a day, then one person in reserve could service multiple locations pretty easily.


"No. Rural Scotland has exactly the same monetary system, and not the same bubble. Monaco (the other example given) doesn't even have its own monetary system but uses the Euro. Look instead to the common factor: a lot of demand for limited real estate. Turning towards the personal finance part of it, we know from experience that housing bubbles may ""burst"" and housing prices may drop suddenly by ~30%, sometimes more. This is a financial risk if you must sell. Yet on the other hand, the fundamental force that keeps prices in London higher than average isn't going away. The long-term risk often is manageable. A 30% drop isn't so bad if you own a house for 30 years."


"But it isnt how countries work.  Republicans constantly want to pretend a country is a business or a home budget it isnt.  And I dont get why people dont remember that Bush ran on the fact that he was a businessman and that gore was the out of touch guy who was in politics all his life.  how did that work out?  the country isnt a business  we cant fire our citizens and hope they get new citizenship in a better country.  we cant carve off missouri and sell it to mexico to get rid of some of our less profitable states.  The US is not a business.  and last if you say ""thats just capitalism"" then perhaps we should examine if we want capitaism in our SOCIETY.. If that is good for SOCIETY. I mean if you are just going to send all the jobs over seas to were workers are cheaper, then all you are doing is asking america to go into a state of decline until all of us are willing to take the same pay as some guy who lived in a hut in middle of africa all his life.  Personally I dont."


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You made 94$ on an investment of 554.80 *100 = 55480$ for an approx holding period of 1 year. So the % return is ~0.16%, which is not much better than the short term us treasury rate. The current 1 year treasury rate is 0.27%: http://ycharts.com/indicators/1_year_treasury_rate So yes, you have a risk free portfolio, so you make the risk free rate. Remember this is an European option, so you are stuck for 1 year. if you found the same mispricing in an American option, then you found an arbitrage.


There is no fixed formulae, its more of how much you can negotiate Vs how many others are willing to work at a lower cost. Typically in software industry the rates for part time work would be roughly in the range of 1.5 to 2 times that of the full time work for the same job. With the above premise roughly the company would be willing to pay $100,000 for 2000 hrs of Part time work(1), translating into around $50 per hour. How much you actually get would depend on if there is someone else who can work for less say at $30 at hour. (1) The company does not have 2000 hrs of work and hence its engaging part time worker instead of full time at lesser cost.


I think that one change you can make which can make a significant impact to your cash flow is not eating out, if you tend to do so a lot.  My family used to eat out at least once a week, and we've cut it out entirely, saving about $200 a month.


I have everything you have and a nap room, coffee bar, game room and a whole bunch of other good shit. You can have both. It doesn't have to be one or the other. My boss is awesome too and also lets my coworkers work from home on a regular basis. My boss also had a talk with me when I worked a lot one week and offered me flex days (extra PTO days). I also work under 30 hours a week and only hit above that a handful of times a year.


"As far as the banker himself goes, it's a customer service issue.  WF is not going to tell you about their internal discipline (or oughtn't, anyway), other than potentially to confirm that the banker does or does not still work there; that's the closest they should get to telling you about it.  I'm a (very) former retail manager, and that's absolutely the most I'd ever do in a case like this; and trust me, even with good customer service reps, you get requests to fire someone a lot, sometimes valid, sometimes not. You did the correct thing from your end: you brought the issue to their attention.  Despite the quota, it's (hopefully) not permitted to sign people up without their permission (since that's illegal!), and I can say that in my retail experience, with these promotions with great incentive to cheat in this manner, one of the main things our loss prevention department did was to monitor data to see if people were illicitly signing people up for cards or otherwise cheating the system.  That could be a very bad thing from a customer service point of view and from a legal point of view. What you should have done (or possibly did, but it's not clear in your post) is, after you reported the issue, asked for a re-contact on a particular date in the future - not ""after you've looked into it"", but ""Next friday I would like to get a call from you to discuss the resolution.""  Again, they're not going to tell you the discipline, but they should tell you at least that they've investigated it and will make sure it doesn't happen again, or similar.  It's possible they will want more information from you at this point, and this is a useful way to make sure that request doesn't fall off of their plate.  They should be able to, at least, tell you if there was a perceived issue on their end - it might be something meaningless to you, like ""He thought you said to sign up"", or something more descriptive, like ""He pushed the button to send you a notice, but our computer system screwed that up and made it an application"".  You never know these days how easy it is to screw these things up. Now, they certainly should have fixed the issues on your end.  Hopefully they did whatever you needed them to do banking-wise, or else you withdrew your money and went somewhere else.  If not, follow up with that supervisor's supervisor, or go up a level or two to a regional director or equivalent.  They may not be able to cancel the card for you, but the other banking-related things they certainly should fix.  The card you probably just have to cancel and be done with. As far as the misuse of personal information, one thing I'd consider doing is placing a freeze on your credit report.  Then this could never have happened - you would have to lift it to have your report pulled to be given the card.  This is not free, though, so consider this before doing this."


The time value decay is theoretically constant.  In reality, it is driven by supply and demand, just like everything else in the market.   For instance, if a big earnings announcement is coming out after the close for the day, you may see little or no time decay in the price of the options during the day before. Also, while in theory options have a set value as related to the trading price of the underlying security, that does not mean there will always be a buyer willing to pay a premium as they come close to expiration (in the last few minutes). You can't forget to account for the transaction fees associated with buying the options, or the risk factor involved.   It is rare, but there are times I've actually had to sell in the money calls at a penny or two LESS than they're actually worth at the time just to unload them in the last few minutes before the market closed on expiration day.


Whether you need to hire a lawyer depends on whether you are capable enough to understand the fine print and it's consequences in all the contracts you sign with the Builder or not.  Even though the REPC is a standard document, the Builder may add additional addendum voiding many of the rights Buyers normally have. If you are not sure or have doubts about specific verbiage, I recommend that you at least get your Realtor to spell it out for you or hire a lawyer as an alternative.


Watch pawn stars. Whatever someone offers offer 1/3 or less then go up from there. At least that's how to get the number. The rest is having the tact to make someone believe what you are offering is a good deal as that gentlemen clearly demonstrated.


I could be mistaken on this, but after the GM bailout and others, weren't laws put in place to essentially force companies to maintain a certain level of liquidity? Also, that 0% is probably closer to .25~.50 through way of credit swaps, no? Or if we assume it's earning .1%, that's still $6,666,667/month ($80,000,000,000 x .001/12).


Here's the purely mathematical answer for which fees hurt more. You say taking the money out has an immediate cost of $60,000. We need to calculate the present value of the future fees and compare it against that number. Let's assume that the investment will grow at the same rate either with or without the broker. That's actually a bit generous to the broker, since they're probably investing it in funds that in turn charge unjustifiable fees. We can calculate the present cost of the fees by calculating the difference between: As it turns out, this number doesn't depend on how much we should expect to get as investment returns. Doing the math, the fees cost: 220000 - 220000 * (1-0.015)^40 = $99809 That is, the cost of the fees is comparable to paying nearly $100,000 right now. Nearly half the investment! If there are no other options, I strongly recommend taking the one-time hit and investing elsewhere, preferably in low-cost index funds. Details of the derivation. For simplicity, assume that both fees and growth compound continuously. (The growth does compound continuously. We don't know about the fees, but in any case the distinction isn't very significant.) Fees occur at a (continuous) rate of rf = ln((1-0.015)^4) (which is negative), and growth occurs at rate rg. The OPs current principal is P, and the present value of the fees over time is F. We therefore have the equation P e^((rg+rf)t) = (P-F) e^(rg t) Solving for F, we notice that the e^rg*t components cancel, and we obtain F = P - P e^(rf t) = P - P e^(ln((1-0.015)^4) t) = P - P (1-0.015)^(4t)


You need a source of delisted historical data.  Such data is typically only available from paid sources. According to my records 20 Feb 2006 was not a trading day - it was Preisdent's Day and the US exchanges were closed. The prior trading date to this was 17 Feb 2006 where the stock had the following data: Open: 14.40 High 14.46 Low 14.16 Close 14.32 Volume 1339800 (consolidated volume) Source: Symbol NVE-201312 within Premium Data US delisted stocks historical data set available from http://www.premiumdata.net/products/premiumdata/ushistorical.php Disclosure: I am a co-owner of Norgate / Premium Data.


But satisfactory gold products from our on-line save, call necklace may be worn to any event, whether or not it is formal or casual. Name necklaces very famous in the youngsters, so their want to Children name necklace in gold or silver steel. To similarly make this necklace even greater of an original, you may add as many charms and crystals as you have got participants of your family. We additionally offer our all jewelry design at the net. Our exceptional product is the Miraculous gold necklace, that may you get at an less costly price.


"The amount of hype and uneducated investors/speculators driving its prices up. Just by that I would say its prices are inflated. Bear in mind that Facebook don't sell anything tangible. They can go down as fast as they went up. Most of their income is ad based and single-product oriented, and as such highly dependent on usage and trends (remember MySpace?). Having said that, all the other ""classic"" valuation techniques are still valid and you should utilize them."


"The other two folks here are right with the math and such, so I'll just throw some intuition out there for you.  The basis for this valuation model is really just tacking the Gordon growth model (which is really just a form of valuing a perpetuity) onto a couple of finite discounted cash flows. So that ending part is the Gordon growth model *at the future point* discounted back to the present.  The Gordon growth model uses a ""next period"" dividend for the very simple reason that it's the next one you'd get if you bought the stock.  Is that explanation clear enough, or were some of these points not adequately explained in your class? I'll help a bit more, if I can."


Beer fridge This is the principle motivation behind why it is critical that you cover the surveys and correlation of those models and sorts of the brew ice chest that you are truly considering. Via painstakingly considering the data and perspectives of other individuals you will have the capacity to incorporate into your determination procedure different factors, for example, sizes and shapes, limits, hues, outline points of interest and limits and execution proficiency, support and repair and numerous others.


There's a couple issues to consider: When you sell your primary home, the IRS gives you a $500k exemption (married, filing jointly) on gain.  If you decide not to sell your current house now, and you subsequently fall outside the ownership/use tests, then you may owe taxes on any gains when you sell the house. Rather than being concerned about your net debt, you should be concerned about your monthly debt payments.  Generally speaking, you cannot have debt payments of more than 36% of your monthly income.  If you can secure a renter for your current property, then you may be able to reach this ratio for your next (third) property. Also, only 75% of your expected monthly rental income is considered for calculating your 36% number. (This is not an exhaustive list of risks you expose yourself to). The largest risk is if you or your spouse find yourself without income (e.g. lost job, accident/injury, no renter), then you may be hurting to make your monthly debt payments.   You will need to be confident that you can pay all your debts.  A good rule that I hear is having the ability to pay 6 months worth of debt.  This may not necessarily mean having 6 months worth of cash on hand, but access to that money through personal lines of credit, borrowing against assets, selling stocks/investments, etc. You also want to make sure that your insurance policies fully cover you in the event that a tenant sues you, damages property, etc.  You also don't want to face a situation where you are sued because of discrimination.  Hiring a property management company to take care of these things may be a good peace-of-mind.


Keep in mind that the exchanges do not hold, buy, or sell the stock - people (or funds) do.  All the exchange does is facilitate the sale of stock from one entity to another. So the shares outstanding (and market cap) for a company are set regardless of how many exchanges the stock is listed on.  The company typically indicates the number of shares outstanding in its financial statements.  I do not know if the exchange itself keeps track of shares outstanding; it may just report whatever the company publishes. So theoretically, if you wanted to buy all of the stock of a company, you could do it all in one exchange, provided that all the existing holders of the stock were willing to sell you their shares.  There are many issues with that, though, which I don't think are germane to your question.


According to the ATO Standard Choice Form, for APRA cash reserves, you should incorporate the Super USI Number offered by your cash reserve. This doesn’t apply if designation an SMSF. An enrollment of USI’s and accomplished bank information as well as IP addresses, is handled by the ATO to run the system.  https://supernumber.com.au/


Its still the case though. Most of the economy exists as either stocks, bonds, or debt. Bonds are stable so the wealthy stockpile there just in case, stocks are where they earn new wealth, and the debt just is everywhere. Real estate is basically just their flash cash.


Did you go to bschool? You actually do learn a lot. There are a lot of things that I do know that some of my fellow BA's in Business don't know. (business plan writing, how to properly read a financial statement, promotional strategy creation). Also, I got hooked up with a really cool internship that got me in front of some big VC's. There is value, is it worth the results? No.   But let's be honest here, neither is law school (unless you go to a T14). Have you seen the job market? Brutal.


Unfortunately, I'm not the guy that makes the call about hires.  You should talk to the institutional guys - get to know them, find out where they go for drinks and show up and just shoot the shit and chit chat. Be outgoing and joke around.  Mention you'd like a shot and to keep you in mind if something opens up. I can tell you that in this industry the first thing people look for is if the candidate is a good fit for the team - both in terms of attitude, culture and overall fit.   Leverage what you have.  They already know you.


Personal home care services are best for your loved ones or elderly person who needs help to do their daily work. These services can greatly improve the quality of life for your family member and allow you to rest easy knowing that he or she is safe and happy.


Cutting 25% from pensions is a big deal. This is why I'm going to get out of the company pension. If the money isn't mine, what is it? Are they giving me more return on my interest than normal to make up for the fact they can decide to back out of the agreement at any point? No.


"I ended up with YNAB.  It worked quite well, and I highly recommend it.  It does cost money, but I found it saved me far more than its cost in the first month alone, since I saved between $500 and $1000.  And it's flexible;  when you overspend on something you can flex your budget, rather than it breaking and you give up in frustration.  Dropbox support has recently been added, ""cloudifying"" it and making it where the smartphone apps can be really useful.  I use the iPhone app occasionally, having recently transitioned to an iPhone."


No. There's no personal responsibility per se if you set up a corporation, but if you don't have a track record a creditor will likely insist that you personally guarantee the debts of the corporation. Beyond that, personal responsibility would be the result of a piercing of the corporate veil, which is something the courts are unlikely to do unless there is indicia of fraud or the like. There are also some statutory provisions that can lead to personal liability of a corporation's directors (e.g. unpaid wages), but I don't think that's really what this thread is getting at.


It doesn't because Obama has zero plans to raise corporate taxes. It fact his last proposal was to lower the rate 6 percent.   This CEO is a greedy fuckstick concerned about paying a few percent more per year on his personal income tax.


De Beers is the company most cited as the near monopoly. They used to own a massive chunk of the diamond supply and intentionally restricted that supply to increase the price. In recent decades, new sources of diamonds have reduced the De Beers' singular grip. They still have a large share though. Video about this from Adam Ruins Everything: https://www.youtube.com/watch?v=N5kWu1ifBGU it turns out this ancient tradition [of giving diamonds rings for engagements] was invented less than a century ago by the De Beers Diamond Corporation... in 1938, the De Beers Diamond cartel launched a massive ad campaign, claiming that the only way for a real man to show his love is with an expensive hunk of crystallized carbon, and we bought that shit. It continues The only reason diamonds are even expensive is that De Beers has a global monopoly on diamond mining and they artificially restrict the supply, to jack the prices up. Because of this artificial supply restriction, the resale value of diamonds are quite low.


One advantage not pointed out yet is that closed-end funds typically trade on stock exchanges, whereas mutual funds do not.  This makes closed-end funds more accessible to some investors. I'm a Canadian, and this particular distinction matters to me.  With my regular brokerage account, I can buy U.S. closed-end funds that trade on a stock exchange, but I cannot buy U.S. mutual funds, at least not without the added difficulty of somehow opening a brokerage account outside of my country.


"I for one am happy that the most selfish generation (a little hyperbole) is retiring.  Still won't be holding my breath. They may choose retirement to cash in, only to come back as a ""Consultant"", at same/better pay.  Of course, their retirement benefits will continue as before."


Basically the first thing you should do before you invest your money is to learn about investing and learn about what you want to invest in. Another thing to think about is that usually low risk can also mean low returns. As you are quite young and have some savings put aside you should generally aim for higher risk higher return investments and then when you start to reach retirement age aim for less risky lower return investments. In saying that, just because an investment is considered high risk does not mean you have to be exposed to the full risk of that investment. You do this by managing your risk to an acceptable level which will allow you to sleep at night. To do this you need to learn about what you are investing in. As an example about managing your risk in an investment, say you want to invest $50,000 in shares. If you put the full $50,000 into one share and that share price drops dramatically you will lose a large portion of your money straight away. If instead you spent a maximum of $10,000 on 5 different shares, even if one of them falls dramatically, you still have another 4 which may be doing a lot better thus minimising your losses. To take it one step further you might say if anyone of the shares you bought falls by 20% then you will sell those shares and limit your losses to $2000 per share. If the worst case scenario occurred and all 5 of your shares fell during a stock market crash you would limit your total losses to $10,000 instead of $50,000. Most successful investors put just as much if not more emphasis on managing the risk on their investments and limiting their losses as they do in selecting the investments. As I am not in the US, I cannot really comment whether it is the right time to buy property over there, especially as the market conditions would be different in different states and in different areas of each state. However, a good indication of when to buy properties is when prices have dropped and are starting to stabilise. As you are renting at the moment one option you might want to look at is buying a place to live in so you don't need to rent any more. You can compare your current rent payment with the mortgage payment if you were to buy a house to live in. If your mortgage payments are lower than your rent payments then this could be a good option. But whatever you do make sure you learn about it first. Make sure you spend the time looking at for sale properties for a few months in the area you want to buy before you do buy. This will give you an indication of how much properties in that area are really worth and if prices are stable, still falling or starting to go up. Good luck, and remember, research, research and more research. Even if you are to take someone elses advice and recommendations, you should learn enough yourself to be able to tell if their advice and recommendations make sense and are right for your current situation.


> Why do you say such stupid things?   I'm just going by the wikipedia link that you just gave.  Very first paragraph:  > Although the company was once touted for its unusual technology, plummeting silicon prices led to the company's being unable to compete with conventional solar panels made of crystalline silicon.


"The share price on its own has little relevance without looking at variations. In your case, if the stock went from 2.80 to 0.33, you should care only about the 88% drop in value, not what it means in pre-split dollar values. You are correct that you can ""un-split"" to give you an idea of what would have been the dollar value but that should not give you any more information than the variation of 88% would. As for your title question, you should read the chart as if no split occurred as for most intents and purposes it should not affect stock price other than the obvious split."


Are you dropshipping (I'll have to tune my answer a bit if so)?  Suggest you're probably looking for a supply chain consultant.  As you've found, ecomm is a bit of a loaded term and will get you the wrong kinds of folks.  Sounds like in your case, you're looking for more classical-style supply chain help and e-commerce just happens to be the vehicle with which the consumers place orders - though correct me if I'm off.


"In the long run (how long?) a shares price always reverts to being its proportional amount of the company's residual equity plus the net present value of its expected future cash flows. Or at least that's the theory. In practice PE ratio is used not as a way of measuring what the stock price itself will do but what the fundamental value of holding that share is compared to its price. It is a way of measuring what a company is worth compared to its price and comparing it against other companies to find companies where the underlying value of the company is underrepresented by the price. Comparing PE ratios within the same industry or sector is the most valid use for this (other than comparing previous years of the same company) and the validity of the comparison drops as the structure of the firm you are comparing with gets more different to that of the company. Each industry has its own ""typical"" average PE ratio and these differ wildly between industries so in a great many cases even comparing PE ratios between similar stocks in different industries isn't valid. Any weird pseudo PE ratio that you create for other instruments will be meaningless. In general the best way to compare investments across multiple instruments is by comparing returns. when comparing stocks to other instruments you may want to use the return on stock price or the return on capital employed (ROCE) depending on whether you want to compare the trading performance or the fundamental performance."


I would listen to chrissundberg below.  Most professionals I meet and interact with in accounting firms, law firms, lending, and others are by the book, smart, professional, and honest in their business dealings.  Of course I have also run into a small minority that try to avoid contractual obligations or pull a fast one on the auditors, but these guys are known quickly throughout the business community and avoided.    You need to reevaluate your thoughts on government's role in business and the finance industry, which you are clearly interested in joining.  Quite frankly you won't last a week coming in most companies if you vocalize the government should do audits and business is amoral.


If you believe you can time the crash, then  We all know what comes after a crash… just as we know what comes after the doom, we just don’t know when….


Central banks don't generally post exchange rates with other currencies, as they are not determined by central banks but by the currency markets. You need a source for live exchange rate data (for example www.xe.com), and you need to calculate the prices in other currencies dynamically as they are displayed -- they will be changing continually, from minute to minute.


Amazon is stuffed full of dumb money.  People who like the company and therefore assume it must be a good investment.  Nothing about an investment makes sense when the PE is 100.  If you buy something like that you must assume 8% moves will happen pretty frequently.


In the current climate, most good deals are for people looking for a 75% LTV or less. There are mortgages available with ok APRs for up to 90% LTV though. At the moment you would struggle to find a mortgage with greater than a 90% LTV. You can use an online comparison site like Money Supermarket to find a deal. Plugging in the numbers you gave in your question (house price 100K, income 21K) with a few other assumptions (10K deposit for 90% LTV, 300/month other outgoings) gives a number of results at around 6% APR, which isn't great, but the payments would be around £600/month which you may be able to afford.


Setup a Linksys Smart Wifi router in your home for a better internet experience. If you are getting issues while the setup then feel free to contact us. We are having experienced staff that can solve these types of issues in no time.


> If you want to argue that businesses are more important than people  I don't think businesses are more important than people, I just think that the public good is not their concern. Leftists seem to think that the public good is supposed to be everyone's concern, I do not.   > There's plenty of businesses out there charging a fair markup for a quality product or service and paying a fair wage.  There is no such thing as a fair wage. I mean that literally. It's a nonsense phrase. What is fair? Where is fair? What does fair mean? There is only an agreeable wage. Walmart is entitled to pay you as little as you will let them, regardless of how that impacts your wellbeing, because I don't think your wellbeing is their concern. The same relationship works in reverse, You get to try to get them to pay you as much as you want, even if it hurts their business, because their business is not your concern. Wherever you both agree is whatever you get paid. Fair is nonsense, it means nothing.  I don't like social management as an idea. It is only ever a necessary evil. I don't believe social progress is a respectable value and I mistrust anyone who professes to want it, because what they really want is to control the world. I don't think you or anyone else gets to control the world, I think you get to control what's yours and nothing else. I don't want the public good to be something *anyone* is concerned with as a matter of course, only as an exception when really necessary.


"RT is probably fine for what it is; the problem is branding.  Why confuse consumers by associating it with Windows?  Make it easy for people to separate product offerings into understandable categories.  There is already enough name-recognition with the Microsoft moniker, there is absolutely no need to tag on ""Windows"" as well when the device can't run any actual Windows software."


No protective order; no NDA; no disco clawback arrangement... sounds like WF just handed over a bargaining chip the size of Kansas. Doesn't mean they can't (eventually) get it back through court processes (as an inadvertent disclosure of a trade secret... maybe), but it's a fuck up more quickly and easily resolved by buying it back.


Finance...there aren't really entry level jobs in economics. Of course people get jobs as econ majors but real economists only get hired at the senior (phd) level to implement a strategy that they studied in academia. Finance gives you a better understanding of financial statements and operations.   Kansas may lack financial career opportunities and on campus recruiting.


"The answer is partly and sometimes, but you cannot know when or how. Most clearly, you do not take somebody else's money if you buy shares in a start-up company. You are putting your money at risk in exchange for a share in the rewards. Later, if the company thrives, you can sell your shares for whatever somebody else will pay for your current share in the thriving company's earnings. Or, you lose your money, when the company fails. (Much of it has then ended up in the company's employees' pockets, much of the rest with the government as taxes that the company paid).  If the stockmarket did not exist, people would be far less willing to put their money into a new company, because selling shares would be far harder. This in turn would mean that fewer new things were tried out, and less progress would be made. Communists insist that central state planning would make better decisions than random people linked by a market. I suggest that the historical record proves otherwise. Historically, limited liability companies came first, then dividing them up into larger numbers of ""bearer"" shares, and finally creating markets where such shares were traded.  On the other hand if you trade in the short or medium term, you are betting that your opinion that XYZ shares are undervalued against other investors who think otherwise. But there again, you may be buying from a person who has some other reason for selling. Maybe he just needs some cash for a new car or his child's marriage, and will buy back into XYZ once he has earned some more money.  You can't tell who you are buying from, and the seller can only tell if his decision to sell was good with the benefit of a good few years of hindsight.  I bought shares hand over fist immediately after the Brexit vote. I was putting my money where my vote went, and I've now made a decent profit. I don't feel that I harmed the people who sold out in expectation of the UK economy cratering. They got the peace of mind of cash (which they might then reinvest in Euro stocks or gold or whatever). Time will tell whether my selling out of these purchases more recently was a good decision (short term, not my best, but a profit is a profit ...)  I never trade using borrowed money and I'm not sure whether city institutions should be allowed to do so (or more reasonably, to what extent this should be allowed). In a certain size and shortness of holding time, they cease to contribute to an orderly market and become a destabilizing force. This showed up in the financial crisis when certain banks were ""too big to fail"" and had to be bailed out at the taxpayer's expense. ""Heads we win, tails you lose"", rather than trading with us small guys as equals! Likewise it's hard to see any justification for high-frequency trading, where stocks are held for mere milliseconds, and the speed of light between the trader's and the market's computers is significant."


How about opening a Coffee shop section in the bookshop to generate some cash flow per month to offset some of the expenses ?  Off course success of this venture will depend on where the location of shop is, how big it is  and whether people are coffee enthusiast in that region. Since the rent/mortgage ( the major expense) is already taken care of all you have to do is invest in one time expenses for : Interior (hip these days - rustic expose brick walls, nostalgic filament light, chalk board menu, etc  )   Seating (big communal table, lounge couch, some regular table chairs,some out door seats if weather is good) ...and the ugly licencing and approval. Throw in some social media marketing, SEO, yelp,urbanspoon, tripadvisor, etc If the bookstore is old, I am assuming it might have the old world charm & character which could attract lot of coffee enthusiast. The unique and competitive edge of this coffee shop could be its historic charm , which no other competitor can achieve. Would definitely beat the staryuks. Even if no one shows up , only recurring additional expense will be barrista wages. The interior , seating and coffee m/c costs can be minimized by savvily shopping stuff on community sites like craigslist, gumtree etc. I beleive if you are in US , everything could be set up under 6K. Later on premade food items like bananacake, raw cacao balls, toasted panini sandwich etc. can be added. If one has 3 key ingredients in food industry - Location, Vibe and taste, then there is high probability that they will succeed. At the same time one should be cognizant that 95 % of business fail in first 3 years and therefore they should have an exit plan. Unfortunately if your business does not work, then you exit cost would be just getting rid of the equipment & furniture. Just to put in perspective, some Dunkin Donut shops that I was researching in North East were clearing between 1/2 to 1 mil per year.  As it is the current damage per month is 10k, if this business offsets even some of the damage it would be worth while. So the cost of keeping the pride of 91 yo dad can potentially reduce from 10k to 2-3 k. Who knows if it takes off , one day it could be a good sustainable business and might turn into a win-win situation for you and your father. I have made lot of assumption without knowing the facts like- you are located in US, you have risk appetite,  bookshop is not in industrial area but some prime retail area like this :  ... etc. While I am at it { giving unsolicited advise that is}.. Currently the books in the bookshop are very old books that it published by itself. Nobody is interested in reading these books. Due to his previous excitement of getting editors and publishing books, there are thousands of books that need to be kept in storerooms. They don’t move because people hardly buy any books from this bookshop. To help the old published book sales why not convert the old books to ebooks using providers like 'Blueleaf-book-scanning'  and publish the books on  amazon kindle,itunes & play store. The books will be available online forever and they might get exposure to tons of book enthusiast around the world. I heard at one of our client's MDS ( mass digitization system ) project , they had in-house robot scanning machine like Treventus Pardon me if none of the above gibberish applies to your situation , but hpefully  SE community might have some fun reading this for  kicks and giggles . Cheers and good luck. Source: I am US person in Australia, operated restaurant / bar in US , visited 100's of coffee shops, consulting for living, ...and a dreamer { :-) hard not to imagine from the short post}.


On your first day you walk into the room bold as brass, look each stiff straight in the eye one by one until you find the meanest, baddest mother-farker;  then you grab a chair or tray or any thing else handy and beat that sorry SOB straight over the head until his jumpsuit turns from orange to red.   Protip: Don't forget to visit HR and give them your banking information, you want to be paid in a timely fashion!


"#####&#009;  ######&#009;  ####&#009;  [**Betteridge's law of headlines**](https://en.wikipedia.org/wiki/Betteridge's%20law%20of%20headlines): [](#sfw)   ---  >  >__Betteridge's law of headlines__ is an [adage](https://en.wikipedia.org/wiki/Adage) that states: ""Any [headline](https://en.wikipedia.org/wiki/Headline) which ends in a [question mark](https://en.wikipedia.org/wiki/Question_mark) can be answered by the word *no*."" It is named after Ian Betteridge, a British technology journalist,  although the general concept is much older.  The observation has also been called ""__Davis' law__""   or just the ""__journalistic principle__"".  In the field of [particle physics](https://en.wikipedia.org/wiki/Particle_physics), the concept has been referred to as __Hinchliffe's Rule__.   >  ---  ^Interesting: [^List ^of ^eponymous ^laws](https://en.wikipedia.org/wiki/List_of_eponymous_laws) ^| [^Sensationalism](https://en.wikipedia.org/wiki/Sensationalism) ^| [^Sport ^in ^Birmingham](https://en.wikipedia.org/wiki/Sport_in_Birmingham) ^| [^Ashford, ^Kent](https://en.wikipedia.org/wiki/Ashford,_Kent)   ^Parent ^commenter ^can [^toggle ^NSFW](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot NSFW toggle&message=%2Btoggle-nsfw+cjj75n9) ^or[](#or) [^delete](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot Deletion&message=%2Bdelete+cjj75n9)^. ^Will ^also ^delete ^on ^comment ^score ^of ^-1 ^or ^less. ^| [^(FAQs)](http://www.np.reddit.com/r/autowikibot/wiki/index) ^| [^Mods](http://www.np.reddit.com/r/autowikibot/comments/1x013o/for_moderators_switches_commands_and_css/) ^| [^Magic ^Words](http://www.np.reddit.com/r/autowikibot/comments/1ux484/ask_wikibot/)"