"(Since you used the dollar sign without any qualification, I assume you're in the United States and talking about US dollars.) You have a few options here. I won't make a specific recommendation, but will present some options and hopefully useful information. Here's the short story: To buy individual stocks, you need to go through a broker. These brokers charge a fee for every transaction, usually in the neighborhood of $7. Since you probably won't want to just buy and hold a single stock for 15 years, the fees are probably unreasonable for you. If you want the educational experience of picking stocks and managing a portfolio, I suggest not using real money. Most mutual funds have minimum investments on the order of a few thousand dollars. If you shop around, there are mutual funds that may work for you. In general, look for a fund that: An example of a fund that meets these requirements is SWPPX from Charles Schwabb, which tracks the S&P 500. Buy the product directly from the mutual fund company: if you go through a broker or financial manager they'll try to rip you off. The main advantage of such a mutual fund is that it will probably make your daughter significantly more money over the next 15 years than the safer options. The tradeoff is that you have to be prepared to accept the volatility of the stock market and the possibility that your daughter might lose money. Your daughter can buy savings bonds through the US Treasury's TreasuryDirect website. There are two relevant varieties: You and your daughter seem to be the intended customers of these products: they are available in low denominations and they guarantee a rate for up to 30 years. The Series I bonds are the only product I know of that's guaranteed to keep pace with inflation until redeemed at an unknown time many years in the future. It is probably not a big concern for your daughter in these amounts, but the interest on these bonds is exempt from state taxes in all cases, and is exempt from Federal taxes if you use them for education expenses. The main weakness of these bonds is probably that they're too safe. You can get better returns by taking some risk, and some risk is probably acceptable in your situation. Savings accounts, including so-called ""money market accounts"" from banks are a possibility. They are very convenient, but you might have to shop around for one that: I don't have any particular insight into whether these are likely to outperform or be outperformed by treasury bonds. Remember, however, that the interest rates are not guaranteed over the long run, and that money lost to inflation is significant over 15 years. Certificates of deposit are what a bank wants you to do in your situation: you hand your money to the bank, and they guarantee a rate for some number of months or years. You pay a penalty if you want the money sooner. The longest terms I've typically seen are 5 years, but there may be longer terms available if you shop around. You can probably get better rates on CDs than you can through a savings account. The rates are not guaranteed in the long run, since the terms won't last 15 years and you'll have to get new CDs as your old ones mature. Again, I don't have any particular insight on whether these are likely to keep up with inflation or how performance will compare to treasury bonds. Watch out for the same things that affect savings accounts, in particular fees and reduced rates for balances of your size."


Side note, does this opinion get written a lot.  Before he won, Before he was sworn in, after sworn in, Enter a milestone and it will happen right before it.    Not for or against Trump (lots to debate right), but they keep calling for the slump and I feel like they are hoping one time they are right to say see told ya.


"It will happen about 5 or 6 months before the tragedy that makes everyone wonder why the fuck we thought it was a good idea. The issue is not just computers being ""faster"", it is ow the receive and process information, the reliability of their sensors, how they react to conflicting information, etc, etc, etc."


"I think your confusion comes from the negative impact when a creditor writes off your bad credit and ceases attempting to collect it. ""Chargebacks"" as you call them are an attempt to undo fraudulent charges on your card, whether from stolen credit card info or from a merchant who is using shady business practices. For what it's worth, if you joined on December 20, January 20 seems like a reasonable date for the next billing cycle, with the December 31 date reflecting the fact that their system couldn't automatically bill you the day you joined. I also think it's reasonable for you to ask them to refund the bill for the second month if you do not plan to use their gym further. So the dispute seems like a reasonable one on both sides. Good luck."


I also had a student loan and glad you are taking a good look on interest rate as it really makes a huge difference. One of the strategies I followed was since my credit improved as I stepped out of school. I took advantage of a good 0 percent credit card. I applied for discover and got a decent credit limit. There are 2 particular things you are looking for in a credit card in this situation  Usually the initial $0 transaction charge is only for a couple of months so ensure you take advantage of that. What is the benefit: Imagine being able to pay off that higher interest rate balance with 0% and not have to worry about it immediately. That way you save on the interest you would be paying and stress as well Watch out for: Although you have to ensure that you do payoff the money you paid through the 0 percent credit card ( which may have been put off for a year or even 15 months or so) other wise you may have to pay it all at once as the offer is expiring. Note: for credit cards ensure to note when the 0% is expiring as that is usually not mentioned on the statement and you may have to call the customer service. I was in a similar situation and was able to pay it all off fairly quickly. I am sure you will as well.


Jual Obat Herbal Tbc Paru » Penyakit TBC paru mungkin kita sering mendengar mengenai penyakit ini. Apa itu penyakit TBC Paru ? Apa tanda-tanda awal serta ciri-ciri (gejala) yang biasa menjadi penyebab penyakit TBC ini ? Dan pada postingan kali ini kami akan membahas mengenai penyakit TBC Paru serta pengobatan paling mujarab untuk mengatasi penyakit tersebut.


I don't want to be needlessly critical, but I think that you're being downvoted because of how unwieldy that source is. The writer struggles to communicate ideas and concepts clearly - his structures are needlessly verbose, to the extent that arriving at his conclusion in even a single sentence is like slogging through a certain legendary molasses flood.  I've dealt with technical language before (graduate economics-type stuff), and there are definitively good and bad ways of addressing dry, technical materials. If your material isn't interesting, then it should at least be clear. That blog post is neither (which is moderately surprising [or maybe it isn't?] considering his seniority at Microsoft).


I don't think J.C. Penny could be considered very high-end.  In most markets it's just a typical mall anchor store.  Sure, they are more upscale than Sears, but not as upscale as Macys.  Still, though, it's a solid chain with pretty quality merchandise.


Auto insurance is a highly personalized item, so depending on your driving record and other factors, $600 a month for full coverage may be as good as you can get. Look at the premium for each category, and consider raising the deductible if you have some savings that could be used in the event that you have a claim. Also, you're not only buying insurance to cover the other person's damage and medical expenses, you're paying for insurance for your car.  Brand-new cars are more expensive to replace (and thus insure) than used cars. Leasing is effectively renting a car for a long period of time. While the payments are less, when the lease expires you're going to have to decide whether to give up the car or buying it, usually at a price much higher than market value.   I'm glad you discovered that the insurance would break your budget before it's too late.  My suggestion would be to look for a 1-2 year old car that's less expensive to buy and to insure.


There seems to be no such information available. What is available is that number of claims are high and the Title Insurance companies have gone bankrupt as per the wikipedia article In 2003, according to ALTA, the industry paid out about $662 million in claims, about 4.3% percent of the $15.7 billion taken in as premiums. By comparison, the boiler insurance industry, which like title insurance requires an emphasis on inspections and risk analysis, pays 25% of its premiums in claims. However, no reference to the relationship between when claims are made and when policies are issued is found. As of 2008, the top three remaining title insurers all lost money, while LandAmerica went bankrupt and sold its title business to Fidelity http://en.wikipedia.org/wiki/Title_insurance#Industry_profitability The amount of premium received and claim made can be got from some of the companies balance sheet. For Fidelity its at http://www.investor.fnf.com/releasedetail.cfm?CompID=FNT&ReleaseID=363350 The article in here mentions the claims ratio as 5%. Refer http://www.federaltitle.com/blog/title-insuance-qaa


"In the U.S., Form 1040 is known as the tax return.  This is the form that is filed annually to calculate your tax due for the year, and you either claim a refund if you have overpaid your taxes or send in a payment if you have underpaid.  The form is generally due on April 15 each year, but this year the due date is April 18, 2016. When it comes to filing your taxes, there are two questions you need to ask yourself: ""Am I required to file?"" and ""Should I file?"" Am I required to file? The 1040 instructions has a section called ""Do I have to file?"" with several charts that determine if you are legally required to file.  It depends on your status and your gross income.  If you are single, under 65, and not a dependent on someone else's return, you are not required to file if your 2015 income was less than $10,300.  If you will be claimed as a dependent on someone else's return, however, you must file if your earned income (from work) was over $6300, or your unearned income (from investments) was over $1050, or your gross (total) income was more than the larger of either $1050 or your earned income + $350.  See the instructions for more details. Should I file? Even if you find that you are not required to file, it may be beneficial to you to file anyway.  There are two main reasons you might do this: If you have had income where tax has been taken out, you may have overpaid the tax.  Filing the tax return will allow you to get a refund of the amount that you overpaid. As a student, you may be eligible for student tax credits that can get you a refund even if you did not pay any tax during the year. How to file For low income tax payers, the IRS has a program called Free File that provides free filing software options."


Lmao I don't owe ungrateful little college students like you any advice on Reddit, there is very little posted on infra Ib here and if you want to learn about the industry go read II or casgrain lol, and if you want some advice from me here it is - stop being an entitled little bitch or you won't get very far in IB or in life


It would probably be smarter to keep Peter Thiel's interests and yours aligned.   Thiel is a real intellectual and tactical heavy hitter. He has a high success rate in varying complex industries. He controls Palantir. When he makes moves, he usually wins. Remember Gawker? Remember his over $1mm donation to Trump at the last minute? Everyone in the media, everyone in his silicon valley social circle thought there was no way Trump could win. Thiel saw differently, committed, and came out on top.   Its very hard to imagine his reasons for voting for Trump. But forgetting that you are there as a businessman and being petty against Thiel seems like a bad idea.


Sure, but as a retail client you'd be incurring transaction fees on entry and exit. Do you have the necessary tools to manage all the corporate actions, too? And index rebalances?   ETF managers add value by taking away the monstrous web of clerical work associated with managing a portfolio of, at times, hundreds of different names. With this comes the value of institutional brokerage commissions, data licenses, etc. I think if you were to work out the actual brokerage cost, as well as the time you'd have to spend doing it yourself, you'd find that just buying the ETF is far cheaper.  Also a bit of a rabbit hole, but how would you (with traditional retail client tools) even coordinate the simultaneous purchase of all 500 components of something like SPY? I would guess that, on average, you're going to have significantly worse slippage to the index than a typical ETF provider. Add that into your calculation too.


well,  only if you forget the 2006 tests on the 1999 samples that demonstrated that he was using EPO throughout that tour.  And Tyler Hamilton tells how they got away with it and tested clean,  it wasn't rocket science, and Armstrong had enough pull with the UCI to get a positive for EPO swept under the carpet.  Well, pull and $125,000.


"The different things in each calculator are showing you a bunch of different things. In the ""Roth IRA calculator"", it is comparing what you would have in the end after contributing and withdrawing from a Roth IRA, with what you would have in the end with a taxable account (i.e. an investment outside of any IRAs). In the ""Traditional IRA calculator"", the ""IRA after taxes"" shows you what you would have in the end after contributing and withdrawing from a pre-tax Traditional IRA. The ""IRA before taxes"" simply shows the same amount before you pay the taxes on withdrawal, which is not a useful number. So if you want to compare Roth IRA vs. Traditional IRA, you want to compare the ""Roth IRA"" from the Roth IRA Calculator and the ""IRA after taxes"" from the Traditional IRA calculator, but there are some things you need to be aware of to make a fair comparison, because if you just plug in the same numbers you are going to get a very unfair comparison (it will look like Roth IRA is a lot ""better"" even though it's not). The Roth IRA contribution is after-tax, whereas a (pre-tax) Traditional IRA contribution is pre-tax, and an after-tax dollar is much more than a pre-tax dollar, so if you put in the same nominal contribution amount, you are actually contributing much ""more"" from your wallet in the Roth IRA case. To make a fair comparison, you would need to start with the same pre-tax amount, and put in a Roth IRA contribution amount that corresponds to the equivalent amount after taxes. So for example, a $5000 pre-tax amount with 25% taxes is equivalent to $5000 * 0.75 = $3750, so you would put in $5000 for Traditional IRA contribution vs. $3750 for Roth IRA contribution. Note that if you have the same flat tax rate at contribution and at withdrawal, (pre-tax) Traditional IRA and Roth IRA are exactly the same, and you can see this by putting in 25% for the ""Retirement tax rate"" in the Traditional IRA calculator (we already assumed 25% tax rate for Roth IRA when calculating the contribution). You will see that Traditional IRA would be better in a lower retirement tax rate (e.g. 15%), whereas Roth IRA would be higher in a higher retirement tax rate."


Woman started entering the work force in large numbers, couples where both worked, could afford to pay more for a house (could get a bigger mortgage) and anybody on one salary was pushed out of the market.  More woman entered the work force and the result was everybody pays more.


Before you go filling your head with useless information as there is way too much stuff out there on the stock market. First ask yourself a few questions: There is going to be a balance between the three... don't kid yourself. After you answer these questions find a trading strategy to get the returns you are looking for. Remember the higher returns you expect... the more time you have to put in. Find a trading strategy you like and that works for you. Ounce you have your strategy then find the stocks or ETF that work for that strategy.... Ignore everything else, it is designed to separate you from your money. Making money in the stock market is easy, don't let the media hype and negative people tell you any different. Find something that works for you and perfect it... stick to it.


Assuming you are being charged sales tax, it all depends on where you take possession of the shipment. Are your suppliers shipping to a US address, say your freight forwarder, from where you handle the ongoing shipment, or directly to you in South America? If the latter, per Michael Pryor's answer, you should not be charged sales tax. If the former, if the address is in a state in which your supplier has a physical location they will have to charge sales tax. That said, your freight forwarder should be able to furnish your supplier with a letter stating that the goods have been exported (with a copy of the relevant Bill of Lading) which will allow your supplier to refund you the taxes (a company I was at before would allow refunds up to two years past the date of sale per various tax regulations). Alternatively, you could see if just a letter of intent from your freight forwarder is enough to not charge you in the first place, but that's technically not proof of exportation. You might be able to get a refund or an exception from the state's tax department directly, but I would recommend going through your supplier - much less hassle.


"Anticompetitive behavior is only illegal if a monopoly does it, and amazon is not a monopoly. But with billions in the bank, they can act like one indefinitely, which makes me wonder if we should rethink those laws.    Edit: ""only illegal if a monopoly does it"" might not be accurate in this case. It might just be that American courts are reluctant to take action against this sort of thing."


"Pay off the credit cards.  From now on, pay off the credit cards monthly.  Under no circumstances should you borrow money.  You have net worth but no external income.  Borrowing is useless to you.   $200,000 in two bank accounts, because if one bank collapses, you want to have a spare while you wait for the government to pay off the guarantee.  Keep $50,000 in checking and another $50k in savings.  The remainder put into CDs.  Don't expect interest income beyond inflation.  Real interest rates (after inflation) are often slightly negative.   People ask why you might keep money in the bank rather than stocks/bonds.  The problem is that stocks/bonds don't always maintain their value, much less go up.  The bank money won't gain, but it won't suddenly lose half its value either.  It can easily take five years after a stock market crash for the market to recover.  You don't want to be withdrawing from losses.   Some people have suggested more bonds and fewer stocks.  But putting some of the money in the bank is better than bonds.  Bonds sometimes lose money, like stocks.  Instead, park some of the money in the bank and pick a more aggressive stock/bond mixture.  That way you're never desperate for money, and you can survive market dips.  And the stock/bond part of the investment will return more at 70/30 than 60/40.   $700,000 in stock mutual funds.  $300,000 in bond mutual funds.  Look for broad indexes rather than high returns.  You need this to grow by the inflation rate just to keep even.  That's $20,000 to $30,000 a year.  Keep the balance between 70/30 and 75/25.  You can move half the excess beyond inflation to your bank accounts.  That's the money you have to spend each year.  Don't withdraw money if you aren't keeping up with inflation.   Don't try to time the market.  Much better informed people with better resources will be trying to do that and failing.  Play the odds instead.  Keep to a consistent strategy and let the market come back to you.  If you chase it, you are likely to lose money.   If you don't spend money this year, you can save it for next year.  Anything beyond $200,000 in the bank accounts is available for spending.  In an emergency you may have to draw down the $200,000.  Be careful.  It's not as big a cushion as it seems, because you don't have an external income to replace it.   I live in southern California but would like to move overseas after establishing stable investments.   I am not the type of person that would invest in McDonald's, but would consider other less evil franchises (maybe?).   These are contradictory goals, as stated.  A franchise (meaning a local business of a national brand) is not a ""stable investment"".  A franchise is something that you actively manage.  At minimum, you have to hire someone to run the franchise.  And as a general rule, they aren't as turnkey as they promise.   How do you pick a good manager?  How will you tell if they know how the business works?  Particularly if you don't know.  How will you tell that they are honest and won't just embezzle your money?  Or more honestly, give you too much of the business revenues such that the business is not sustainable?  Or spend so much on the business that you can't recover it as revenue?   Some have suggested that you meant brand or stock rather than franchise.  If so, you can ignore the last few paragraphs.  I would be careful about making moral judgments about companies.  McDonald's pays its workers too little.  Google invades privacy.  Exxon is bad for the environment.  Chase collects fees from people desperate for money.  Tesla relies on government subsidies.  Every successful company has some way in which it can be considered ""evil"".  And unsuccessful companies are evil in that they go out of business, leaving workers, customers, and investors (i.e. you!) in the lurch.   Regardless, you should invest in broad index funds rather than individual stocks.  If college is out of the question, then so should be stock investing.  It's at least as much work and needs to be maintained.   In terms of living overseas, dip your toe in first.  Rent a small place for a few months.  Find out how much it costs to live there.  Remember to leave money for bigger expenses.  You should be able to live on $20,000 or $25,000 a year now.  Then you can plan on spending $35,000 a year to do it for real (including odd expenses that don't happen every month).  Make sure that you have health insurance arranged.   Eventually you may buy a place.  If you can find one that you can afford for something like $100,000.  Note that $100,000 would be low in California but sufficient even in many places in the US.  Think rural, like the South or Midwest.  And of course that would be more money in many countries in South America, Africa, or southern Asia.  Even southern and eastern Europe might be possible.  You might even pay a bit more and rent part of the property.  In the US, this would be a duplex or a bed and breakfast.  They may use different terms elsewhere.   Given your health, do you need a maid/cook?  That would lean towards something like a bed and breakfast, where the same person can clean for both you and the guests.  Same with cooking, although that might be a second person (or more).  Hire a bookkeeper/accountant first, as you'll want help evaluating potential purchases.  Keep the business small enough that you can actively monitor it.   Part of the problem here is that a million dollars sounds like a lot of money but isn't.  You aren't rich.  This is about bare minimum for surviving with a middle class lifestyle in the United States and other first world countries.  You can't live like a tourist.   It's true that many places overseas are cheaper.  But many aren't (including much of Europe, Japan, Australia, New Zealand, etc.).  And the ones that aren't may surprise you.  And you also may find that some of the things that you personally want or need to buy are expensive elsewhere.  Dabble first and commit slowly; be sure first.  Include rarer things like travel in your expenses.   Long term, there will be currency rate worries overseas.  If you move permanently, you should certainly move your bank accounts there relatively soon (perhaps keep part of one in the US for emergencies that may bring you back).  And move your investments as well.  Your return may actually improve, although some of that is likely to be eaten up by inflation.  A 10% return in a country with 12% inflation is a negative real return.   Try to balance your investments by where your money gets spent.  If you are eating imported food, put some of the investment in the place from which you are importing.  That way, if exchange rates push your food costs up, they will likely increase your investments at the same time.  If you are buying stuff online from US vendors and having it shipped to you, keep some of your investments in the US for the same reason.  Make currency fluctuations work with you rather than against you.   I don't know what your circumstances are in terms of health.  If you can work, you probably should.  Given twenty years, your million could grow to enough to live off securely.  As is, you would be in trouble with another stock market crash.  You'd have to live off the bank account money while you waited for your stocks and bonds to recover."


“Only 6 time in US History has the Stock Market had rallies with 9 or more days in a row of all time highs – Hoover in 1929, Eisenhower in 1955, LBJ in 1964, Reagan in 1987, Trump in 2017 and Trump again in 2017.”  “Now President Trump is the only President in US History to oversee more than one Stock Market Rally of 9 or more days in a row of all time closing highs.”  There are two related events like the growth in GDP and the decline in unemployment that shouldn’t be forgotten.  “Unemployment is going down, good paying jobs are increasing, the US GDP broke $19 Trillion for the first time ever under President Trump, the US debt is down $100 billion since the inauguration and Americans are making money again”  A healthy and growing middle-class is of a great importance to a nation like ours because working Americans have more disposable income and more capable of saving and investing for their retirements.  Economies thrive when the power of government is restrained and economic freedom is promoted.


"Pay someone a fee to borrow their private Uber shares, then sell those private shares to someone else, then find someone else you can buy their private shares from for less than the net of the proceeds you made selling the borrowed shares you sold plus the fees you've paid to the first person and return your newly purchased shares back to the person you initially borrowed the shares from. On a serious note, Uber is private; there is no liquid public market for the shares so there is no mechanism to short the company.  The valuations you see might not even be legitimate because the company's financials are not public.  You could try to short a proxy for Uber but to my knowledge there is no public ""rideshare""/taxi service business similar enough to Uber to be a reasonably legitimate proxy."


Hong Kong's day as financial center of China is over. China doesn't need Hong Kong anymore. Shanghai has reclaimed (rightfully?) her role as the financial center of China.   The only path forward for Hong Kong is continual integration with other cities of [Pearl River Delta](https://en.wikipedia.org/wiki/Pearl_River_Delta). However, I don't have high hope for Hong Kong as its inexperienced political leaders don't want to reach political compromise with Beijing.   Expect continual decline of what was once a great city.


"Just speaking from my experience here. When I was younger (lol only 23 now), I didn't really get pocket money. If I wanted something I had to work for this, luckily at 13 I scored a paper round gaining £10 per week. I would personally say to encourage children to do some ""work"", whether its a paper round, or even just house chores. I learned early on, that to get money you have to work for it. I've always had a job since 13, most of my college years I held 2 jobs at a time, even 3 at 1 point. Many of my friends didn't work for their pocket money, they relied on handouts, quite a few of these friends have later on in life taken the easy route, not working and rely on state (pocket money), or still have mummy and daddy pay for everything So my moral is; don't just give out willy-nilly, teach some value to money and it will go a long way ;) /2 cents"


The future of grocery is fresh, local ingredients, which Whole Foods does well, but they haven't driven costs low enough yet.  Amazon just got an entire distribution network for Amazon Fresh and will take costs out of the system and improve efficiency.


"When I first started working in finance I was given a rule of thumb to decide which price you will get in the market: ""You will always get the worst price for your deal, so when buying you get the higher ask price and when selling you get the lower bid price."" I like to think of it in terms of the market as a participant who always buys at the lowest price they can (i.e. buys from you) and sells at the highest price they can. If that weren't true there would be an arbitrage opportunity and free money never exists for long."


"Really not a great time to do this.  It's like Magic Johnson admitting in court that he had sex with around 2000 women when he was being sued for giving a woman HIV. Now is not the time to say that Irving, simply saying ""a good number of women"" instead of letting on that it was in the quadruple digits may have won you that case.  Not really an analogous case but just two cases of dudes that don't know when to lay low."


"New York State is one of a few states that will go after telecommuter taxes (such that some people may end up paying double tax even if they don't live in NY).  There are a few ways that you can avoid this. If you NEVER come to NY for work, and your employer can stipulate that your position is only available to be filled remotely, you will likely be covered. But there are a myriad of factors relating to this such as whether the employer reimburses you for your home office and whether you keep ""business records"" at your office.  Provided you can easily document the the factors in TSB-M-06(5)I, you shouldn't have to pay NYS taxes.  (source: I've worked with a NYS tax attorney as an employer to deal with this exact scenario)."


To put things in perspective, Amazon has double the market capitalization of Walmart ($474 billion vs $244 billion) and a quarter of the revenue. Considering we're talking about a company that up until recently had no brick-and-mortar shops, they are very hot on Walmart's tail and already way ahead on online orders, of which online groceries are projected to represent 20% of grocery orders by 2025.


The approval of a drug is the culmination of many years of hard work... supported throughout by major investments with no guarantee of return. — Gilead Executive Chairman John Martin  I'm wondering how this is different from the auto industry, or the chip industry, or....any industry except those which are granted cost-plus contracts.


"Wait, correct me if I'm wrong, but this is how I thought it worked:  ""say you work 40 hours a week ""during a recession, NO ONE GETS FIRED ""instead, they cut your hours ""from say 40 to 32 ""THEN unemployment benefits make up the difference in that eight hours you're not working ""then you get hired again""  This seems like the best system ever and something America should do. No one gets fired, and companies save oodles of money not training new workers."


In general, damage caused intentionally as well as contractual liability are not covered under liability insurance policies.   Direct quote from your source... Use some logic.  How can a company be profitable insuring stupidity?  Show me an example where gross negligence was covered by an insurance company and billions paid out.   that's all I ask....


"> Who has the throwaway? Does reddit take everything so serious that a throwaway is needed anytime something doesn't go along 100% with popular opinion? Shit, I wasn't even challenging that it's lower.  I didn't mean throwaway account, I meant throwaway comment that's effectively copy-pasted from every reddit thread ever. Popular versions are also ""There's no room for your [obviously desirable quality/statement]"" and ""We don't have time for your [obviously desirable quality/statement]"".   I meant no offense, though those style of comments do irritate me; I'll be the first to admit that's a personal problem more than a reddit problem."


">taking your typical GP's advice regarding ""risks"" is really no different than listening to your barber --  If you _truly_ believe that, then go to your barber the next time you have a medical issue. You don't though, so stop talking out of your ass."


Seriuosly? I had to stop at slide 20 because it was just the typical crap from the crapiest of the economical web pages, bussiness insider.  He says that regulations are not the problem and then goes to say that corporate profits are very high. How is not that the fault of regulations? Regulations produce benefits for the big companies and stop competition, therefore is normal that because of regulations the richer are getting richer and the poor poorer.


"And, most people won't even visit their site anymore because it takes 3 minutes to load the hundred different scripts that are running. (Slow internet)  Also, at first glance I couldn't even find the article hidden amongst the dazzling assorment of ads and social media ""like"" buttons. Then, to find that I have to click through the article like a god damn magazine but slower? Nope.  Any link to these type of sites doesn't even get a click from me anymore."


Some aspects of your general financial lifestyle make a big difference in your score. Always pay late; declare bankruptcy; have bills go to collection, these will hurt your overall score.  Some aspects of your life start with a low score and rise over time: the number of years you have had credit. Some only have short term and transient impacts: what is your utilization rate today; when was your last hard pull. Any agonizing you do over the transient aspects during a period of time when your score doesn't matter, is a waste of energy. If you are looking for a new mortgage, or a another type of loan, then act in a way that will improve your score. But If you see no immediate need then don't sweat the details. If your credit limit is too low for your lifestyle, then ask for it to be increased. Just don't ask for the increase a few days before you put in the auto loan application.


"Yes, merchants may charge a fee for using a credit card. For a credit card transaction, interchange fees flow from the merchant to the card issuer. This is why Australians are seeing a boom in ""Debit"" MasterCard/VISA cards - the issuing banks make income when you select ""Credit"".  These costs can be passed from the merchant to the customer as a ""Credit Card Fee"". For an EFTPOS transaction, the interchange flows the other way, from the card issuer to the acquiring bank (The merchant's bank).  As an aside, the setup of these fees is why some large supermarket chains in Australia restrict you from selecting ""Credit"" with a scheme debit card (MasterCard and VISA are 'schemes').  They are 'acquirers' in the payments networks and they make interchange fees when you hit ""Savings"" and pay if you hit ""Credit"" - therefore where you can hit either ""Credit"" or ""Savings"" they prefer (and may force) you to press ""Savings""."


I work in corporate finance at a large bank. Here's my opinion.  I'd say learn SQL, Tableau, and OBIEE first in that order.   I do know Java but have never personally used it at work. I know some people that do and Java is usually the language of choice for banks. It's really good to know but it's rare that a company would expect an accounting or finance person to use it.  But almost every team in corporate finance will use at least one of the other three. Most finance / accounting people don't take the time to learn these. So most teams have one or two hot shots that do most of the work.  Also, you can learn those three easily over the summer if not sooner. They aren't very difficult. Java is more complicated so maybe take your time learning that after the other ones.


Liquidity. That's the issue. You rent, and that's not bad. No new roof, boiler, etc. But, you have a car? Your savings is a guarantee that you'll not have to charge a $2000 transmission on an 18% credit card. You job may be secure, but employment (aside from self employment) is never 100% guaranteed. With $3000 income per month, I'd not prepay the student loan until I had at least $9000 in savings.  We don't know your country, although we don't have fortnights in the US, so if you are in the US, you have a non-US background. Either way, if your employer offers any kind of matching retirement deposits, I'd prioritize that. Never leave that matched money on the table.  You are off to a great start, this relatively low student loan debt shouldn't keep you awake at night.


Actually, a few lenders now will offer a consolidation loan that will consolidate both Federal and private student loans. One example is Cedar Ed, http://cedaredlending.com/PrivateConsolidationLoan.htm


Piece of shit article.   1.  Not everyone can suddenly be retrained to work with top-end tech.  Not everyone has that aptitude.   2.  The article admits that more competition depresses wages and that these low-paying jobs are already highly sought after.   4. They're overvaluing human empathy in the business world.  In fact, lack of empathy is benefitial or neutral in the fields most likely to be automated.   3. Their use case is someone who has gone back to school hoping to better his prospects, but in a field that is prime for reduction.   4.  Their use case also only has an associates degree with certificates that are generally considered resume padders in this industry, holding no other value.


"Maybe. I've been applying to jobs that require things like SQL and high level excel. I have some experience with these but I kept getting passed over for ""more qualified candidates"" so I get the sense there is a surplus of overqualified candidates, not recent college graduates. Also Linkedin stats will sometimes show as high as 50% of applicants having graduate degrees. And again this is for entry level business/data analyst positions. IMO the job market feels absolutely saturated with qualified candidates. I am looking around the NYC area however so maybe that just comes with the territory."


Some employers offer commuter benefits that allow you to pay some commuter costs (trains, parking, bikes, vansharing, etc) with pre-tax money (up to $120ish a month). Employers commonly use companies such as WageWorks to provide this benefit. This would lower your taxable income by over $1000 per year.


Why not get an estimate at few different shops?  Some that honor the warranty and others that don't.  Then you can make a math based decision on where to have the car fixed. While your fear is reasonable, information is a remedy.


You should talk to a bankruptcy attorney local to you.  While bankruptcy laws are federal, there are a variety of local rules.  As an example in CA, I've heard of a trustee going after a debtor's IRA account.  Retirement accounts are generally off limits, but not always. Additionally, structuring your assets for the purpose of shielding them from creditors after the start of foreclosure proceedings may constitute fraud.  At the very least that may open those assets back up to your creditor(s).


"> The fields you listed are unrelated to the problem at hand  The problem at hand - the problem, in fact, that you brought up - is the role of centralization in the downfall of empires. Sociology, anthropology, political science and history all inform that problem.  > and your conclusion is a nonsequitor.  My argument, where A is ""it is provably true that centralization is the root cause of failure of each empire and would-be empire"" and B is ""we can pack up sociology, anthropology, political science, and most of history and go home"", can be restated as: If A, then B. Not B. Therefore not A.  You can argue with the premises, but it is most certainly not a non sequitur."


The private company that handles the quotes probably does know.     It's just that the government would have to do paperwork!  And those firms probably could throw way too many lawyers (not to mention government lackeys) to make them go away.  Plus, there's the whole fact that 3/4 of congress and every semi-relevant regulatory agency is captured.


"I believe you are confusing ""retirement"" and ""disability"". If you become disabled, then yes, the above chart you referenced applies to you. The US government will send you a disability check to assist you with living. This is very different from retirement."


"it is the amount of trust you put in the investments... to be honest, noone could've predicted anything because it was a new market, along with a whole new type of currency (also along with no banks or institutions that could ""alter"" the natural way a currency would evolve)"


I brought this up to my CPA. She said don't do it. People used to do it, but now they're cracking down. Is it unfair? Yes. But it's the government so don't mess with them.


It's not about resources, it's about solving problems that are unsolved. Sharing, as it turned out, was not an unmet need as Google had thought. Sharing through circles is not a good user experience. It's confusing to the mass market and only makes sense to Google engineer/early adopter types


Does your friend have a preference? Why does he have that preference? Is his reasoning sound or can you make better suggestions.  That's all that matters in a Mac v. PC debate.  I'm assuming your friend is going into an undergraduate program. In which case he most likely won't touch any finance courses until his third year and even then they won't require macros or VBAs.  Companies that he interns at will provide computers (usually) and when he graduates he'll be shopping for another computer anyways.


It's simple. Most people don't spend $6000 a year in medical care. As for myself, there's probably only $400 or less, mostly in annual checkups and the like.  If you are the type to require more medical care, then you will pay more per month. I know a person with asthma, kidney stones, and inflammatory issues. This person spends probably $1000 in co-pays per year, with considerable more if you were to include the hospital visits in the likes. But if you don't think you are one of these people, then don't get the higher cost plan.


There are several reports under the Reports>Income & Expenses menu which could be useful. Cash Flow - shows, for a particular set of accounts, where incoming and outgoing money from those accounts came from and went to. Expense BarChart/PieChart - shows top N expenses. Income Statement (also called Profit & Loss) - shows all incomes and expenses for the time period. Each of these reports have an options dialog which will let you change the period that they are reporting on and the accounts to be included in the reports. The Cash Flow report sounds particularly useful for your second scenario.


"This is a common and good game-plan to learn valuable life skills and build a supplemental income. Eventually, it could become a primary income, and your strategic risk is overall relatively low. If you are diligent and patient, you are likely to succeed, but at a rate that is so slow that the primary beneficiaries of your efforts may be your children and their children. Which is good! It is a bad gameplan for building an ""empire."" Why? Because you are not the first person in your town with this idea. Probably not even the first person on the block. And among those people, some will be willing to take far more extravagant risks. Some will be better capitalized to begin with. Some will have institutional history with the market along with all the access and insider information that comes with it.  As far as we know, you have none of that. Any market condition that yields a profit for you in this space, will yield a larger one for them. In a downturn, they will be able to absorb larger losses than you. So, if your approach is to build an empire, you need to take on a considerably riskier approach, engage with the market in a more direct and time-consuming way, and be prepared to deal with the consequences if those risks play out the wrong way."


You can buy a new Toyota from a non-dealer, but not from Toyota directly as they have no retail distribution capability. There is no need to buy directly from Toyota if you want to get a new car without going through a dealer. In many cases people buy new cars but have to sell them immediately for one reason or another.


We're pretty small about 20 employees. He refuses to allow me to get a second office person claiming he does not get along with other people. The issue is I've had him for such a long time I don't wanna break an 8 year employer relationship over something like that.  I also believe there are ways around money tracking. For example he can add extra hours on employee time sheets and have it cashed and then keep the extra money after employees are paid. He always puts emphasis on how much good he does for the company when he's just doing his job.  I'm looking for any kind of bait I can throw or some kind of trick.  My friend was telling me what he did is give his employee an unexpected paid vacation and she had no time to cover her trail. Are there other things like this I can try?


I'm saying that healthcare isn't the only issue here. Read the article. According to it up to 80% of their employees are on food stamps.  The government does incentivize good behavior. Unfortunately there are always loopholes and market pressure frequently rewards bad actors. I don't see why I should support Walmart for skirting the system and passing the cost onto the US taxpayer.


When discussing buying a home I often hear people say they like having   a mortgage because they get the benefit of writing off the interest. I assume this is the United States.  You need to also consider that many people can take the standard deduction of about $12k for married couples filing jointly, so even if they itemize the interest, it would only make sense to 'write it off' if you are able to itemize deductions greater than the standard deduction:  Source: http://www.forbes.com/sites/kellyphillipserb/2013/10/31/irs-announces-2014-tax-brackets-standard-deduction-amounts-and-more/ So some people will input the mortgage interest and other related deductions into the computer only to find out that their itemized deductions don't add up. Where it benefits people sometimes is if they have medical bills which are greater than 10% of their income in addition to the mortgage interest. So it benefits them to itemize. There are other major sources of itemization but medical bills are very common. Other common items are auto registration taxes or interest from student loans. It is going to be situation dependent, but if you are within a few years of paying off the mortgage it would make sense to make micropayments to accelerate the payoff date. If you have 30 years to go, it would make more sense to generate an emergency fund, pay off a car, or save up for other things in life than worry about paying off a mortgage. Take the benefit of deducting the mortgage interest if you can, but I imagine that many people would be surprised to hear that it's not always black and white.


If the market thinks people are going to buy a lot of computers, both IBM and Intel should go up.   If IBM goes up, then maybe the computer industry is going well, and you should buy Intel.  On the other hand, if people start using lots of cheap commodity servers (rather than IBM's big iron), then Intel should go up and IBM should go down.  Basically, people figure that *generally* what's good for IBM is good for Intel (and vice versa), so if one goes up they should buy the other. Sometimes they are right, sometimes they are wrong.  That's my guess, anyway.


Get Fast Cash Advance in America at Online FORM fill. Payday Loans are short-term which is Easy approval from $100 to $1000 with in 24 Hours. Simple & Quick ways to make money from bad credit issues. Apply NOW!


I'm not a big fan of tax-advantaged retirement accounts. The rules on tax-advantages accounts can change at any time.  It's already painful to get money out before retirement (earnings or possibly contributions taxed as current income, plus 10% penalty).  The rules could get worse. There's also the assumption that your taxes will be lower when you retire.  I think this is a poor assumption. If you get free money from your employer for contribution to a 401(k), contribute up to what will get you all of the free money you can.  Otherwise, pay your taxes and keep control of your assets. So short answer: Keep as much as you can out of tax-advantaged accounts unless you're turning down free money to do so.


A startup is a great place to work if it looks like it's going to have a future and YOU ARE ONE OF THE FOUNDERS.  Otherwise? A startup is a good way to spend a good chunk of a decade working very long weeks, only to get shoved into a back room or laid off once they reach a certain size. Maybe if you're lucky you'll manage to stick around and have a bigger paycheck than most of your newly-hired peers. Maybe you'll even make most of what your new boss(es) that have been there a fifth as long as you and never pulled those 110 hour workweeks make. Of course, it's quite possible that simply working a second job during the time you were pulling mad hours and not getting OT for it would've made you just as much.  On the other hand, if you're talking about your own startup? Sure, go for it. If it all works out, those extra hours will be well compensated in the future.


You're going to find a lot of conflicting or vague answers on the internet because there are a lot of plan design elements that are set by the plan sponsor (employer).  There are laws that mandate certain elements and dictate certain requirements of plan sponsors, many of these laws are related to record keeping and fiduciary duty.  There is a lot of latitude for plan sponsors to allow or restrict employee actions even if there is no law against that activity.   There are different rules mandated for employee pre-tax contributions, employee post-tax contributions, and employer contributions.  You have more flexibility with regard to the employer contributions and any post tax contributions you may have made; your plan may allow an in-service distribution of those two items before you reach age 59.5. While your HR department (like most -all- HR departments) is not staffed with ERISA attorneys and CPAs it is your HR department and applicable plan documents that will lay out what an employee is permitted to do under the plan.


You are in luck, I have an ANZ credit card as well. I have just checked my paper statement with online, and was able to find a matching online statement in less than a minute. You simply click on your credit card account from the list of accounts. Under Date Range it will have the Current incomplete statement period. You simply click on the down arrow and select the last complete date range ending sometime in late April (depending on your credit card cycle). You then press on View next to the drop down box. This should provide you with a list of purchases and payment/credits for that period, followed by a line with your Credit Limit, Available Funds and Closing Balance. The line below that then shows your Due Date, and Overdue/Overlimit, the Minimum Payment and Amount Due Now If you are after paying only the minimum amount then you pay this amount by the due date (you will be charged interest if you only pay this amount). If, on the otherhand, you wish to avoid paying any interest then you need to pay the full Closing Balance before the due date. You should also be able to get electronic statements sent to your email address.


In this case not only that you must register in California (either as domestic, or as foreign if you decided to form elsewhere), you'll also be on the hook for back-taxes if you didn't do it from the start. FTB is notorious for going after out-of-state LLCs that Californians open in other States trying to avoid the $800 fee.


"It's tough to share exactly what happened. Go to yahoo and look at the chart for Cisco from 1990 to 2003 or so. From a split adjusted 8 cents a share, it peaked at just under $80 in March 2000, up by a factor of 1000. People were buying in thinking this stock would continue to rise at this pace, but logic says that's preposterous. By April of 2001, it was down to $14, 80% off its high, and later to drop below $10.  This was a classic bubble and should be studied so you don't get caught in them. A book titled Extraordinary Popular Delusions & the Madness of Crowds was published in 1841, yes is still an interesting read. Bubbles in markets are not new, but can be recognized and avoided. Cisco at $80 had a market cap of $438B. Had it risen 1000 fold over another decade, it would have been worth $438T, but all the wealth in the US isn't even $75T, so something was wrong, very wrong. This is one story, one stock. A remarkable time.  Yes, many companies went under, and the employees lost their jobs. And those who were heavy into the ""dotcom"" stocks lost as much as 80% (or more) of their wealth. Entire 401(k) accounts dropping this amount due to bad decisions. Those who bailed out in time survived, some doing better than others."


Yes. I have a US based website that accepts payments via PayPal and can confirm we have many customers from India. Here is a list of countries PayPal supports. Note typically there are some additional fees associated with currency conversion.


That's my point, a 20k bonus at big 4 for non partners is really common. You can easily get 40-50k if you're highly rated. Also, I'm not saying the max for partners is 600k, that's the average. This is much higher than the average Accenture partner-equivalent.  The data is out there, just look at glassdoor. It's perfectly ok to not be big4, you can still make a good living at Accenture. But, realistically, the compensation and other benefits are lower. My theory is because public firms pay less than private firms, what's yours?


>We actually had to request a few of them to come back in part-time since it is rather difficult to find experienced machinists.  That's the scary part.   There's no entry path into these jobs.   A lot of companies only seem to want to hire people who somehow earn these skills through osmosis and don't want to hire people on straight out of school.  Some career paths are easier than others, but it really feels in some cases like it's a closed loop.    Teachers for example are clinging to their career long after they should.


Legally if you are NRI for tax purposes, then you are required to convert all your Savings Account into NRO accounts.  For tax purposes it be advisable to open an NRE account. Depending on the Banks policy you can convert the account into NRO by submitted a scanned copy of passport along with the Visa page. You can transfer money from US to any Account in India [Savings/Current/NRO/NRE] using xoom or any other remittance services remit2india, money2india etc.


At one point it was illegal to melt silver coins in the US, but it is legal now.  I don't know that will happen with copper coins, but that's what happened with silver coins. Accumulating nickels and leaving them as-is (in their spendable state) is legal.  It's also a way to take physical ownership of copper. I expect to see more sales of nickels based on weight.  People are already selling high-copper-content cents on eBay, by weight.  There are machines in production that sort the zinc ones from the copper ones.  Gresham's Law has small business backing. ;) Copper cents are already worth twice their face value in the copper content.  Nickels will get up there, too. They are awfully heavy and bulky relative to their value, though.  Precious metals give you better bang for your ounce.


It's definitely not going to help.  Their new CEO is very highly regarded for his business acumen and his moral compass.  I have faith that a couple years from now Uber will have a completely different culture and still be king of their industry.  There are too many high powered investors with billions invested to let the company fail.


That would be fair from the perspective of the company, but hardly fair from the perspective of the victims. At 855m, it values each victims data at $6 (as opposed to $500 for the $70B lawsuit). I don't know about you, but it takes a lot more than $6 worth of my time to fix their error, so I'd argue it is not fair to the victims.


"I used to be the sort of person who would tell you that I've left money for you somewhere and in fact not have done so, and I also used to be the last person you'd expect to do something like that. I've not done this exact thing but I've done similar. Not gonna go into detail but at that time I was in a state of poverty, barely able to buy food and drink, and the money I saved by ""conning people"" in similar ways was spent on food and warmth.  Personally, I think she's going through a very hard patch financially and as such has done exactly that. Me? I'm not a landlord and I'm probably far too generous. I would explain that I think she's lying but let it slide this month. Clearly a property owner is more financially capable of soaking up this expense than a tenant.  On the other hand, you don't become a property owner and landlord by letting people get away without paying their rent.  All in all, I would probably push for a 50/50 decision. She pays half rent this month which alleviates her finances a bit if she is genuinely in trouble and has lied, and you still get something for your efforts. If you're lucky, when you suggest it she will come clean. I would make it clear if you do or don't believe her, as she may well confess if you express your doubts. If she does, I wouldn't hold her to paying the full amount unless she offers to do so. Also, make it very obvious that this can and will not happen again. Next time, she gives you cash or uses a banking service. Goes without saying I guess.  You should note that legally speaking, by accepting anything other than full payment you could be acknowledging that she did attempt to make a payment and any future legal cases will not consider that favorably for you. I would strongly recommend discussing this with a solicitor before agreeing to anything other than full payment."


Warranties are usually sold at 60-90% margin. They are just about always a bad deal. If you are forced to buy one, negotiate on price, and be wary of realtor or mortgage broker recommendations.


I know on my commute I use the Sticher Radio app which allows one to stream podcasts. I listen to a lot of Public radio shows. Plus I send $10 a month to my local station so I feel like I'm helping with content production and bandwidth costs... So I'm using my iPhone to listen to my own custom radio station.


A confined agency is a prison entity on its personal, separate from the company’s owner. VALIS Group Inc is recognized as having ownership in a constrained business enterprise thru the purchase of stocks. Limited corporations, then How to incorporate on their internet income. As you intend how your enterprise will grow, there are a number of business structures to take into account. While the method may be specified and country-precise, this article outlines the general steps and concerns for incorporation.


The money that you put into the ETF is not tax-exempt in the usual sense of the word. It is your money and you don't owe any taxes on it any more unless Congress (or the state that you reside in) imposes a wealth tax at some time in the future. What you will owe taxes on are any dividends or capital gains that the ETF distributes to you each year (even if you have opted to automatically re-invest those amounts into the ETF), and the capital gains when you sell shares of the ETF.


">What's the point of commenting on a down voted thread anyway? There is no agreed upon cut-off for Gen X. You could make an argument that anyone over 40 and under 60 is Gen X.   You are really and truly ENTIRELY clueless and confused.  Let me say it again: **Boomers -- born 1946~1964** (and that is pretty definitive, especially the ""kickoff"" date of 1946; the ending date is a bit more subjective, but in invariably centered around 1963-64).    Ergo at present **Boomers are individuals (presently) aged 66 down to ~48 (give or take a year or two).**   **By contrast, Gen X is unarguably and definitively mid-1960's through early 1980's.**  Ergo Gen X is currently aged around ~30 to ~48 years old.  ---  >You could make an argument that anyone over 40 and under 60 is Gen X.   No one. And I mean NO ONE who has a single clue would EVER consider anyone over age 50 at present to be ""Gen X"".  No one.  *The only ones who would make such a statement would be someone who (idiotically) had entirely CONFUSED GenX with the Boomers.*  Go get a clue already."


Option tiers are broker specific, according mostly to their business model and presumably within the bounds of FINRA Rule 2111 (Suitability). The tier system can be as complex as E*Trade or as simple as none with Interactive Brokers. The suitability is determined presumably by compliance presumably by the legal history of the rule. The exact reasoning is political, effected by the relevant party composition of the legislature and executive. The full legal history will have the judiciary's interpretations of legislation and policy. Cash and margin rules are dictated primarily by the Federal Reserve and more precisely by FINRA and the SEC.  This is the only distinction made by IB.


Forms 1099 and W2 are mutually exclusive. Employers file both, not the employees. 1099 is filed for contractors, W2 is filed for employees. These terms are defined in the tax code, and you may very well be employee, even though your employer pays you as a contractor and issues 1099. You may complain to the IRS if this is the case, and have them explain the difference to the employer (at the employer's expense, through fines and penalties). Employers usually do this to avoid providing benefits (and by the way also avoid paying payroll taxes). If you're working as a contractor, lets check your follow-up questions: where do i pay my taxes on my hourly that means does the IRS have a   payment center for the tax i pay. If you're an independent contractor (1099), you're supposed to pay your own taxes on a quarterly basis using the form 1040-ES. Check this page for more information on your quarterly payments and follow the links. If you're a salaried employee elsewhere (i.e.: receive W2, from a different employer), then instead of doing the quarterly estimates you can adjust your salary withholding at that other place of work to cover for your additional income. To do that you submit an updated form W4 there, check with the payroll department on details. Is this a hobby tax No such thing, hobby income is taxed as ordinary income. The difference is that hobby cannot be at loss, while regular business activity can. If you're a contractor, it is likely that you're not working at loss, so it is irrelevant. what tax do i pay the city? does this require a sole proprietor   license? This really depends on your local laws and the type of work you're doing and where you're doing it. Most likely, if you're working from your employer's office, you don't need any business license from the city (unless you have to be licensed to do the job). If you're working from home, you might need a license, check with the local government. These are very general answers to very general questions. You should seek a proper advice from a licensed tax adviser (EA/CPA licensed in your state) for your specific case.


I agree with others here that suggest that you should be taking higher risk since it is repaid with higher returns. You have 40 years or so to go before you might switch to safer but lower return funds. I suggest that you look at the Morningstar rating for the funds you are considering: http://www.morningstar.com/ A fund rated five stars means that the fund performs in the top 20% compared to all similar funds. I prefer five star funds. Next, check the management fees. Here is an example from one of the funds you mentioned; https://www.google.com/finance?cid=466533039917726 Next, I suggest you compare how each fund has performed compared to a benchmark. Here are some common indices:  Compare an equity fund to, for example, the S&P 500. Has your fund beat or closely matched the S&P for 1, 5 and 10 years? If not, you may as well buy an index fund, such as SPY.


This is a partial answer.  Coverdell ESA must be withdrawn when the beneficiary turns 30. The 529 has no such age restriction. A decent comparison is at Coverdell Education Savings Accounts a wiki entry at the Bogleheads site.  To add another point, the Coverdell limit is $2000 per year deposit, the 529 is subject only to the rules of gift taxation, so a couple can deposit up to $140K this year, taking advantage of the ability to gift ahead, and while paperwork is due to declare the gift, no tax is assessed.


the way I see it, capitalism only works when you have people with good civic values involved. people like carnegie, warren buffet, etc. who not only accumulate wealth but then direct it for the benefit of society as a whole as well as for their own benefit. i believe that many capitalists use their wealth to create dynasties - this leads to aristocracy which is undemocratic, and also spoiled rotten trust fund babies, which are the worst people in the world. capitalism without values is horrible, just like any other system. i'm a business man, but I'm not interested in getting ahead by screwing other people and I certainly give back to my community in my own small way. it's good for business too - people like to patronize businesses that give back.


$12/hr is just what you pay the employee, it isn't the sole cost of employing someone. There's payroll taxes, insurance, accident coverage, etc. There's also the cost of efficiency due to poor employees, training periods, personal issues, and the costs of business due to employee mistakes. There's liability in the event of injury, discrimination, sexual harassment, etc, and the simple fact that employees can be a real pain in the ass.  If you can take a machine that is the size of a McDonald's kitchen or smaller, feed it raw or minimally processed ingredients, and have it deliver a product which is comparable or better than their current shitty product, and have it replace just two $12/hr shifts at a location open for 18 hrs a day, we're talking well over $157k in labor savings a year, replaced by repair and cleaning costs. Give it a couple years to pay down the machine, and that's a major potential equipment budget. What part of that doesn't make economic sense?


If they are making that flight all the time they are probably using airline miles to get the free upgrade. Government employees earn airline miles like the rest of us, but they are not allowed to use those miles for anything other than upgrades for themselves. They cannot use the miles for anything personal. As long as it does not cost the government anything, they can use their miles to upgrade. Since many flights are billed at a higher flexible fair and then discounted, the airline miles really rack up because they are generally based on the class of fare, not the cost of the ticket. (some formula of miles x f   which is a percentage based on the type of ticket. Flexible, refundable fares are a higher class of fare even though the airline then chops 40% off for the gov discount)


Ya I guess in Canada since the drinking age used to coincide roughly with first year of university college, it lended it self to some crazy drinking.  Funny to look back at some of those times, as now I probably wouldn't even drink 12 drinks total in a year.  And it is only that high cause of the Irish backgrounded weddings I attend via family lol.


I know a few people who got >100% mortgages at that time. A friend of my dad's got a 120% mortgage, i.e. the full price of the house plus extra for moving and furniture etc. And then the banks were surprised that people like that couldn't make the repayments.


My 2 cents:As I understand it, stochastic math doesn't seem to cut it for pricing derivatives. Ito's Lemma and Feynman-Kac SDE solutions both impose constraints on higher order moments of the PDF. So you can't just drop in your forecasted return distribution and get a price. All the fixes seem somewhat ad hoc. Shit gets real when you move from options to their first cousin: term structure of interest rates. The Heath-Jarrow-Morton framework was intractable in the original paper, but there are some promising simplifying assumptions. I think there's real money there for someone who works that out and comes up with new arbitrage possibilities. On the other hand, you get some phenomenally bad math like the Gaussian copula that was used to value the subprime tranches and bring them a mind-boggling AAA rating. A lot of folks here do fancy nonlinear time series analysis to forecast the 1st, 2nd & higher moments of asset returns. Not a lot of theoretical basis (well neuroscience), but if you can do it better you win.


"Only a few ""prototypes"" were used in the big event on March 31, 2016, and in late July 2016 is when Elon announced the designs were ""pencils down"". People have tried to make comparisons between the photos of the Model 3 from the event last year and the photos taken of the vehicles spotted on the road the last 2-3 months, but we have nothing official to go from. I think they said they produced 50 vehicles since beginning of July and now: 30 were going to customers, and 20 were being used for ""testing and validation"".   The vehicles shown in March 2016 were pretty much never seen again publicly. A few months ago, Model 3's were seen driving around the Fremont plant, often with a BMW 3-series behind it, since that's the car they're trying to compete against. These were the first ""production"" vehicles spotted, as they were most likely manufactured using the same process the delivery Model 3's would utilize, but they're not meant to be delivered to owners. The 30 that were delivered last night were from the first batch of 50 cars."


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Heh, I really like your reply. I agree with everything you've said, though I would tweak the final point: I think if some random customer sees two competing products, one with Zynga gold and one without, at the same price, they'd choose the one with the gold. Given that it's a completely arbitrary, inflation-proof currency, Zynga can sell it in large quantities for reasonably cheap. If nothing else, it gives them more exposure offline.  Incidentally, http://gawker.com/5634379/the-secret-dealer-for-farmville-addicts and http://thenextweb.com/insider/2011/12/16/developer-of-zyngas-mafia-wars-says-some-players-spend-10000-a-month/


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If you don't want to hassle with opening an account (and don't mind going without insurance) there are currency ETF's that basically invest in euro money market accounts. Here's an example of one Not sure if the return would be as much as you'd get if you opened your own account and went for longer term instruments like a 12 month CD  (I think the Euro MM rate is around 1.1%  compared to 0.1% for the US). But since it trades like a stock you can do it without having to establish an account with an overseas bank.


All it did was make it to where health care got more people affording it. It also got more expensive. So those who couldn't afford it were given it by the government by tax dollars and medical prices went even higher because more were using it with a stagnant supply. How about we give the people buy power and make a single payer healthcare system. Fuck, just copy the Canadian system. There's works pretty well. And at the same time, take their metric system too


You mean like all the products linked on every page of my blog and elsewhere in the comments?   Those things -- and their financial success -- and what I write about them is WHY I get invited to speak at conferences, be on startup pitch panels as a contrarian judge, etc. etc.   Speaking of conferences, here's mine that I put on, featuring mostly people I'd call friends or acquaintances (like Tobi, Tom, Geoff, Buffington and Garrett): http://schnitzelconf.com/


Subsidies are provided for a purpose. As long as that purpose is met, it shouldn't matter who else is benefitting. To be honest, a company like Tesla succeeding is good for the economy. They made autonomous cars a reality. Even Google wasn't able to, even though they have been working on it for several years more.


"This advanced forex trading course allows forex traders to tracking intra-day banking activity in the forex market. Learn to trade forex using the trading secrets of the mega banks. These forex trading strategies will allow struggling retail traders to follow the ""footprint in the sand"" left by the mega banks, rather than getting ran over by them like most day traders."


"It's repeated all the time and is horrible accounting. The only things going in that analysis are the self fulfilling prophecy of preventing default and then default not happening. Heck the government made money, Goldman made money, Berkshire made money...that crisis was great! We should do it again. That's not a ""return on investment""."


"While it is true that protectionist policies can be met with WTO penalties, the International regime disproportionately benefits the US, so I don't see it going out of its way to displease the US.   Furthermore, the international regime are for the most part non binding contracts and it does not act as a true authoritative figure. The WTO can say one thing, but countries don't have to follow because there is no real mechanism of enforcing these international ""laws"".  The US will be fine."


I  never observed people working hard at Sears or Kmart.    Both stores suck ass in my neck of the woods and all I saw was mediocre employees that did not give a shit about their job.


"> Value is entirely subjective to individuals. Nothing has ""intrinsic value"".  Question: *Water, oxygen -- caveats to intrinsic value because they are that which is consumed by virtue of one's being alive and staying alive and are of limited supply?*  Can we expand on ""value"" and how it operates on the barest of essentials to sustain life.   To rephrase: [1] That the tripartite nature of the system of money--token (countable), vehicle (exchangeable), and repository (valuable)--depends on life existing ergo exist as conditions necessary for the creation of an economy but yet will be necessarily valued by the economy because of the projected increases in population, that is, future demand rising as function of the earthly supply means that the value of these goods can or cannot be projected and, more broadly, [2] how do economists evaluate the role of money in relation to timing, especially when it pertains to these unproduced or ""given"" yet essential goods and especially coupled with the knowledge that the population will continue to proliferate?  Really, I'm not trying to undermine or debunk or be plain ridiculous; I'm curious as to how economic theory will (or has begun to) try to solve a ""singularity"" (threshold) problem that has yet to occur but no doubt will?   Maybe it's an unfair question but even so, I'm sure someone on this thread might steer us towards a starting point. And I only ask because the economic breakdown by otherwiseyep and the discussion in the thread herein are, say, quite as substantial as they are clear."


"The real question is what can you NOT do!  If you track all your monetary actions, you know everything about your monetary situation.  That means you have the tools to ask and answer ""what if"" questions, such as: ""If I get a 10% raise, could I take longer vacations?""  You could calculate how much you spend per day on vacation and then consider the amount of your raise and how much of it you'd need to allocate to vacations to, say, be able to take a two-week vacation instead of a one-week vacation. ""How much more would I have to earn to move to this nicer apartment?""  This may seem like a simple question, but a surprising number of people can't answer it in a reliable way, because they don't have a clear understanding of how much money they make and how much of it they can afford to spend on housing.  If you find you have lots of spare income, maybe you can move to the nicer place right away; if not, at least you can get a sense of how much more money you'd need to make it happen. ""If I started taking the bus to work, how much would I save?""  You can look at how much you spend on gas and compare that to the price of a bus pass.  By separating out categories like gas, repairs, and car insurance, you can also calculate different scenarios, like if you still kept your car but only used it for occasional trips, versus if you sold the car and used only public transportation. ""If I want to take a trip to Tahiti, what can I cut back on to save the money?""  Using your table you can pencil out scenarios like ""Suppose I stop eating out for lunch at work and just bring my lunch, how long would I have to do that to save enough to pay for a plane ticket?"" These are just a few random examples.  The general idea is that with a record of hard numbers, you can start to consider potential tradeoffs in an objective way --- that is, you can ask ""how much in category X would I have to give up to gain this thing I want in category Y?"" The real trick in making use of your data is not so much ""what"" you can do, but ""how"" exactly to do it.  You may have to become more of a spreadsheet wizard to really delve into these questions.  Also, if you have programming expertise, you can even use something like Python to do calculations that might be laborious in a spreadsheet."


"> Simply because there are cases of market failures, I do not therefore conclude that the market system is itself a failure.  No, but without a realistic mechanism to correct for them (especially ones with effects as broad reaching as the financial crisis) I don't see how ""free-markets"" can be compatible with liberty and justice.  If you're seeing some sort of mass organization of the public against market externalities that affect them then I'm afraid I missed that.  In my experience most people don't even understand the nature of the problems, let alone work together to mend them.  That's a shame you won't debate with people who hold opposing viewpoints, I was looking forward to the challenge of your air-tight refutation of ""collectivist systems""."


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"You should pay for grad school without taking loans if your circumstances permit. There is the possibility of a tax write off for interest paid on student loans, but it's slightly complicated and it's very much a ""give me $10, and I'll give you $5 back"" kind of deal. You're better off not borrowing the money to begin with, even though I tend to think that borrowing for things which appreciate-- e.g., a house-- or which can significantly increase your earning capability-- e.g., the right kind of graduate school-- is generally better/wiser/more permissible than borrowing for something which depreciates, like a car. Having no student loan debt after graduation means you have greater freedom than someone who is laboring to pay student loan debt in addition to all of their other bills. My $0.02"


If you knew the first thing about prisoners delimmas, you'd know that the cooperative outcome is so wildly disincentivized it never occurrs. In the case of the classic set up, any circumstance in which the prisoners stay silent results in jail time.  Prisoners delimmas are marked by the fact that the non-cooperative choice is the only choice you can make to avoid a negative consequence.  https://en.m.wikipedia.org/wiki/Prisoner%27s_dilemma


> My wife is trying to start a business. She has no experience at all.  Don't put in too much money. Use this as a chance to learn because she's going to have a bad experience.   > She is working with the husband of a friend who is importing products from China.  Red flag #1.   > He is in China and his wife is in the USA on a tourist visa (no work allowed but she works)  Red flag #2.   > I have caught this guy lying or being way less than transparent many times.  You're telling me that a guy using his wife to illegaly conduct business in the US isn't above board? I'm shocked.  Shocked, I tell you.  > I think he thinks others are stupid and can not easily see his misdeeds.  That could be a red flag, or he could be correctly reading the situation.  You said your wife has no experience in this arena, so why would he listen to her?   > “You tried to screw with me and my wife too many times so F you”   Red flag #3.  Don't mix business with emotions.   >  I am asking for a settlement or I will do everything in my power to totally screw up his life  Red flag #4.   > It will never stop or improve if the second party has a less than acceptable level of honesty and transparency.  This is why contracts and lawyers exist.  In business, everyone thinks they're making out better than the person on the other end of the table.  If they didn't, they would ask for more.  There can be mutually beneficial situations, but showing all of your cards is a great way for them to be used against you during negotations.   > It is a startup not big money, but us being in the USA as lawful citizens (me USA born, my wife naturalized Chinese ), we hold the risk here.  Yeah, don't knowingly break the law.  The risk is too high for you.  > I lived in China for ten years. Over there, the Chinese do, in almost all cases, all they can do to screw foreigners   Red flag #5.  Why do you want to be in business with a group you think will almost always exploit you?   > My wife thinks that because they are Chinese (the other party), I should be willing to accept this behavior. I totally disagree.  Red flag #6.  Don't use stereotypes to make judgment calls.   > My wife wants to have her own company very badly and she is very disappointed.   Life is full of disappointment, and you can't wish for success. Well, you can, but you end up in situations like these.   > Do you agree when dealing with lying business “partners” if the offenses continue, even after a warning, that all bets should be off and one should change into “screw them” mode and claw back all possible money/power via all available legal resources?  Say it with me.  CONTRACTS! CONTRACTS! CONTRACTS!  I'm not talking about a quick signature on a napkin.  I'm talking about vetted and formalized.  You have clear expectations.  You have remediation.  You have timeframes.  If they don't deliver the promised expectation then you sue them.   If you act on emotions then you are likely to do yourself more harm than good.  If you don't think you can recover what you're due, you shouldn't be in business with a shady operator to begin with.   > Comments?  Talk to a lawyer.  You need to understand your risk and liability.  If you're fine, stop investing money into this venture. You'll be taken for all you're worth.


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5% of millennials is veeeery generous. You don't have to be smart to learn how to code, just dedicated for a few weeks. After learning the basic syntax it's just googling + alt tabbing to stack overflow from there on. Knowing how to use what you learned to make something that isn't shitty, that is where being smart comes in.


I agree that double taxation makes no sense regardless of individual or corporation.  Having said that, it's my understanding that Murca offers corporations tax credits on foreign taxes paid to avoid double taxation.  I'm pretty sure that a similar vehicle exists for individuals as well.  My issue is entirely with corporations paying off legislators to avoid taxes that they have an obligation to pay in the country that they operate.


"With every caveat that Rick said plus many many more lets have some fun.  One common way to measure risk is volatility of returns roughly how much the value of your asset jumps around.  Interestingly, the following ordering is fairly similar for many other common measures of risk. The first three on the list would be mostly interchangeable.  Generally, putting your money in ""cash"" investments has no real day-to-day price variability and the main risk is that the bank won't give you your money back at the end.  Money market funds are last as they can ""Break the buck"". To get a feel for the next few on the list I'm using previous 360 day volatility numbers for representative broad indices (asof 2014-10-27).  While these volatility values can move around quite a bit, the order is actually remarkably stable. Hedge funds might seem out of place here, but remember that hedge funds can hold be long and short at the same time and this can cancel out daily variation.  However, Hedge funds do have plenty of risks that may not be well accounted for by this measure.   For derivatives I'll refer to back to Rick's answer. This is a measure for broad investment in these categories your particular investment in Long-term Capital Management or Argentine Bonds may vary. It is important to note that your return on your investment generally grows as you go toward more risky investments down this list as people generally expect to be rewarded  in the long term for risky investments."


"Yes, it applies to control groups.  If I remember correctly common ownership rules are used to determine ""Applicable Large Employer"" status but if the time comes to owe a penalty, only the actual entity missing the mark will owe a penalty, not the entire control group. This is an excerpt from Section 4980H (the section that lays out employer requirements and penalties) (16) Employer. The term employer means the person that is the employer of an employee under the common-law standard. See § 31.3121(d)-1(c). For purposes of determining whether an employer is an applicable large employer, all persons treated as a single employer under section 414(b), (c), (m), or (o) are treated as a single employer. Thus, all employees of a controlled group of entities under section 414(b) or (c), an affiliated service group under section 414(m), or an entity in an arrangement described under section 414(o), are taken into account in determining whether the members of the controlled group or affiliated service group together are an applicable large employer. For purposes of determining applicable large employer status, the term employer also includes a predecessor employer (see paragraph (a)(36) of this section) and a successor employer. Link to the Federal Register"


Private companies can do that. They run taxis and greydog buses or whatever, and even railroads are private. Except rails found they make more money carrying cargo not people, taxis are taxis and private buses make more money not running stops every 500 meters for gramma like european public transit.


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I can also leave my car unlocked every day with a big sign that says steal this car and leave my laptop in there every day.   I can also be a professional burglar for years and not get caught.  This would also add to the bills of the taxpayer via police costs. Should we now not pay for the police?


The President, Democrat or Republican, has very little effect on the growth or performance of an economy. The Federal Reserve has the largest impact, followed by Congress. Interestingly, if US government spending was not frozen in 2010, the US would have grown closer to the historical average of 3%. Government spending, which is controlled by Congress, brought down GDP growth.


It seems to me that 99% of the problems that keep economics from being considered a real science is that it obstinately sticks to using polyanna, unrealistic models to illustrate real-world behavior.  Don't be surprised if that doesn't work and completely fails to predict major market events.


"Re:  ""In retirement I don't see how we can   be in a higher tax bracket than we are   now (maybe than we will be if one of   us stops working, we buy a house, we   have a couple of kids, etc)."" That's assuming tax rates remain the same.  What if tax rates go up?  Consider the U.S. deficit and the debt, and unfunded entitlement programs. Even though you may be in a lower bracket in retirement (bracket, as in ordered income ranges), there's still a possibility that at that later point in time, tax rates in general could be higher than today.  So, even though you may find yourself in a lower bracket in retirement, who is to say the tax rate for that bracket won't exceed what you pay today in the higher bracket? Don't think switch.  Rather, I'd consider diversifying retirement savings across both pre-tax and Roth – i.e. make contributions to each type of account – so you're not gambling 100% on which bracket you'll be in, what tax rates will be like in the future, etc. Then, you'll at least have some money in a Roth account that, in retirement, you can do with as you please without having a tax consequence ... assuming the U.S. government doesn't get so desperate as to change the tax-free nature of Roth account withdrawals! :-)"


I don't think so in your case. Unless the account generates so much interest income that it became reportable (I don't know the exact limit, but I think it's in the hundreds if not thousands of dollars, you might get a 1099 form if it generates over $10 of interest income, but you don't have to file taxes if your overall income is too low anyways). The US does not typically tax assets, only income. There are some states (Florida is the only one I can think of) that has odd tax treatment of intangible assets, but I doubt that would apply in your case. If this were a large enough amount, usually over $10,000, it might trigger some reporting requirements (possibly by your home country).


Regardless of the reason, the models are now outside of their own 95% probability range. There may be a valid reason. It is also possible that the models just overstate the warming that CO2 causes.  But the odds stand at 20-1 that by their own parameters  the models are overstating the warming.  Interestingly enough, natural cycles like El Nino were put forth as a possible explanation for the warming in the 80's and 90's.  That explanation was not accepted by alarmists at the time. They have long resisted using natural cycles to explain the pause, because they then have to admit it played a large role in the warming as well. But when you get desperate....


I have a 2006 Camry, 4 cylinder engine, roughly 186,000 miles. Best car I've ever had and will probably buy another one. I commute about 80 miles a day, the car still gets over 30mpg and has no problems keeping up with other cars. I see all of these large vehicles on the highway with one person inside and don't get it. They're such a waste of money. Everything is more expensive on a large vehicle and gas will go back to $4 per gallon.


>$200,000 home or less  AAHAHAHAHAHAHAHA.  I'm still not seeing houses in a metro-area with jobs going for less than $350k-$400k.  I think it's because I live in the Northeast and the Boston area, but that *is* where the opportunities are.


I agree with the consensus as far as getting a cheaper car, paying with cash, getting a more fuel efficient car, etc.  But I'd like to point out, you should make sure you really need a car at all.  I ride a bike to work!  If I need a car, I can use Zipcar or City Car Share or borrow a friend's car, rent a car, take the train, ride a bus, walk.  But mostly, ride my bike.  Burn fat not gasoline! ;)


"**Credit rating agencies and the subprime crisis**  Credit rating agencies (CRAs) — firms which rate debt instruments/securities according to the debtor's ability to pay lenders back — played a significant role at various stages in the American subprime mortgage crisis of 2007-2008 that led to the Great Recession of 2008-2009. The new, complex securities of ""structured finance"" used to finance subprime mortgages could not have been sold without ratings by the ""Big Three"" rating agencies — Moody's Investors Service, Standard & Poor's, and Fitch Ratings. A large section of the debt securities market — many money markets and pension funds — were restricted in their bylaws to holding only the safest securities — i.e securities the rating agencies designated ""triple-A"". The pools of debt the agencies gave their highest ratings to  included over three trillion dollars of loans to homebuyers with bad credit and undocumented incomes through 2007.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.27"


"This is a really bad idea. You are asking to be forced to pay for something at a time when you most likely NOT want to buy it. Why? There is no stability (much less any degree of predictability) to give up the right to control when and for how much you would be willing to own the S&P500. Just don't do it.....""generate stable income"" and ""selling puts"" is an oxymoron.  ===retired investment advisor"


"This is the best tl;dr I could make, [original](http://www.reuters.com/article/us-eu-defence-juncker-idUSKBN1900UR) reduced by 81%. (I'm a bot) ***** > Two days after unveiling a multi-billion euro plan to help fund European defense research, Commission President Jean-Claude Juncker said it was time to integrate militaries and defense industries, seizing on the strong backing from France&#039;s new president and Britain&#039;s decision to leave the bloc.  > NATO broadly supports EU defense integration, as 22 EU states are members of the U.S.-led alliance.  > EU leaders will discuss broad European defense plans, first put forward by France and Germany following Britain&#039;s EU referendum a year ago, at a summit on June 22-23 in Brussels.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6g8mx4/warning_of_us_desertion_eu_chief_calls_for/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~140171 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **defense**^#1 **States**^#2 **Juncker**^#3 **European**^#4 **military**^#5"


"Are you sure you're actually talking about real people and not shills?  It's pretty common to attribute nonsense to an entire group of people based on one shared perspective.  Consider each post as an individual and not part of the group and this fallacy disappears.   ""I don't put insecticides on my garden because inoculations cause autism"" doesn't mean insecticides are non-toxic or only idiots care about the quality of their produce."


"Are “auto income generators” scams or alternative investment channels? I wouldn't go so far as to say that these are scams so much as grossly exaggerated marketing claims. If it sounds too good to be true then it usually is. Auto auto income generator, for example, hosts a site that you can use to produce revenue from ads. In order to get enough traffic to generate the amount of income they promise you have to put in a lot of work, hardly making it ""automatic."" I can't find anything on auto bit coin builder, however. They promise to pay out an outrageously high fixed-return with vague descriptions about ""investments."" This is purely speculation since there is not very much information about this small site, but it may be a ""pyramid"" or ""Ponzi"" scheme. They promise a return higher than traditional investments, offer extra incentives for referrals, and offer a list of excuses for why funds may be pending even though the transfer happens ""INSTANTLY"" on their end. The fact that they only deal in crpytocurrency may also be an attempt to remain anonymous."