"The main disadvantage is that interest rates are higher for the interest-only loan. It's higher risk to the bank, since the principal outstanding is higher for longer.  According to the New York Times, ""Interest rates are usually an eighth- to a half-percentage point higher than on fully amortized jumbo loans."" They're also tougher to qualify for, and fewer lenders offer them, again due to the risk to the bank. Since you can always put extra towards the principal, strictly speaking, these are the only  downsides. The upside, of course, is that you can make a lower payment each month. The question is what are you doing with this? If this is the only way you can afford the payments, there's a good chance the house is too expensive for you. You're not building equity in the home, and you have the risk of being underwater if the house price goes down. If you're using the money for other things, or you have variable income, it might be a different story. For the former, reinvesting in a business you own might be a reason, if you're cognizant of the risks. For the latter, salespeople on commission, or financial industry types who get most of their income in bonuses, can benefit from the flexibility."


"Yes, you can insure against the fall in price of stock by purchasing a put option.  You pay for a put and if the price of the share falls below the ""strike price"" of the put, then you can exercise the put.  On exercise, the person who sold you the put contract agrees to buy the stock for the strike price, even though that strike price is higher than the market price.  You can adjust the level of insurance by buying put options at higher or lower prices, or buying fewer put options than shares you own (leaving some shares uninsured). Alternatively, you can minimize your risk exposure by investing in an index or other fund, which gives you partial ownership in a large number of shares.  That means on any given day, lots of shares do worse and lots of shares do better.  You can reduce the need for insurance by purchasing a lower-risk, lower-growth financial product."


We don't make enough to really consider it a salary, but I've heard   using a draw without a salary is a bad idea. As any other illegal action, not paying yourself a  reasonable salary when being a corporate officer is indeed a bad idea. I have no idea what I need to do to actually get some money in our   pockets. The answer is simple. You need to earn more money. Since it is S-Corp, it doesn't matter if you keep the profits on the corporate account or distribute - the profits will be taxed to you. You are also, as I said above, required by law to pay yourself a reasonable salary. Reasonable meaning corresponding to market rates. Paying a CPA or a Software Engineer a minimum wage will not be reasonable. That is, of course, if you're profitable, you're not required to pay yourself more money than the corporation actually has. Just to be clear, my answer refers to the question asked, and the confusing answer above that made a claim that has no substantiation in the law. I do not intend to write a thesis about pros and cons of using S-Corp every time a question about reasonable salary is asked.


I don't see the problem with what they proposed. Visa, Mastercard, American Express etc don't run charities, they charge for their services. And you better believe that cost gets passed down to the consumer one way ir another.  Verizon wanted to itemize this charge directly on your bill. Big whoop. I'd prefer a little bit of transparency in where, exactly, my money goes when I pay a bill.


False.  Just to pick out one example, what used to be considered wheat has been replaced with Triticum Aesvestium, a bizarre hybrid dwarf with and extra chromosome and strangely high gluten content.  The content of food down to the chemical composition has been altered to favor the agricultural industry, and the results are not all healthy to consume.


You could think of points 1 and 3 combined to be similar to buying shares and selling calls on a part of those shares. $50k is the net of the shares and calls sale (ie without point 3, the investor would pay more for the same stake). Look up convertible debt, and why it's used. It's basically used so that both parties get 'the best of both world's' from equity and debt financing.   Who is he selling his share to in point 2 back to the business or to outside investors?


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Regardless of what you think of lawyers... If for some reason you consider them all Satan incarnate soley due to the fact you think they all fall into the ambulance chaser, sleezy trial lawyer, or opportunistic publicity whore groupings...   (This of course ignores the scores who entered the field for the same reasons teachers and social workers do, to make the world a better place and shit. The ACLU, public defenders, those who run private practices who routinely give price breaks or simply pro bono help to those who need it- remember how many showed up at airports around the country when the Muslim ban was signed???)  Anyway, take the most negitive view of lawyers possible, that's fine for this question...   How are they *possibly* worse that monolitic multinational financial institutions that have used their power and size to lobby for and pass anti consumer legislation for years. Who, well Wells Fargo last year, BOA laundering billions for the Sinola Cartel, LIBOR manipulation, the 2008 collapse... the list is endless, just depends how deep you want to go...  I'll take all the sleezebag lawyers in the world over a cabal of institutions who are actively making life more difficult for untold millions in the unerring, devoid of morality, quest to generate fucking shareholder value.


I don't know, ask the various companies I'm forced to do business with why in the hell they want me to stop by their office so I can drop a check off vs just using some means of digital payment.  I would fucking LOVE to ditch paper checks.


so you have any LEGAL experience to back that up?  Yeah I do get there are exceptions to the rule, like minister, however the christian plumber.. i think you are full of it.  There is no need, or relgious basis you can use on why you had to hire only religious plumbers. WIth a priest it is obvious.  OF COURSE You can discriminate when the person you are hiring cant do the job. An atheist minister couldnt do the job. An athiest plumber can. A Guy with no arms cant toss pizza dough. You can not hire him and say it is due to his handicap. I need someone to throw pizza dough. You have to prove they cant do the job you need them for in order to LEGALLY discriminate.


Is all data in the company equally sensitive? Does everyone in the company have equal access to this type of sensitive information that would cost a company 'billions of dollars in fines' or is your argument that any work product of any employee in the company could result in such fines? Can you provide an example of any company ever paying a fine of such magnitude? If not what is the basis for your estimation of that number?  Ok I'll take the stealth edit to mean you pulled it out of your ass which I already knew.


Regardless. It’s a guaranteed 5.x%. Reducing student loans also allows you other benefits; i.e. reduces your credit risk allowing you to pull out more credit at a cheaper rate in the future etc. Unless you strongly believe in current bull market continuing.. (there is a high overvaluation from market principles atm and it has been the longest rise in history), you should go for the guaranteed change. Additionally, if your loan is pegged to variable interest rates such as the fed funds rate, be cognizant that the fed will probably continue rising rates for the near future of good times continue, meaning your rates will go up while markets go down. Long story short, would recommend paying down debt unless you’re quite confident in your skills.  Edit: quick note that if you can do both, this is the best option.


In this case, it looks like the interest is simply the nominal daily interest rate times number of days in the period. From that you can use a spreadsheet to calculate the total payment by trial and error. With the different number of days in each period, any formula would be very complicated. In the more usual case where the interest charge for each period is the same, the formula is: m=P*r^n*(r-1)/(r^n-1) where * is multiplication ^ is exponentiation / is division (Sorry, don't know if there's a way to show formulas cleanly on here) P=original principle r=growth factor per payment period, i.e. interest rate + 100% divided by 100, e.g. 1% -> 1.01 n=number of payments Note the growth factor above is per period, so if you have monthly payments, it's the rate per month. The last payment may be different because of rounding errors, unequal number of days per period, or other technicalities. Using that formula here won't give the right answer because of the unequal periods, but it should be close. Let's see: r=0.7% times an average of 28.8 days per period gives 20.16% + 1 = 1.2016. n=5 P=500 m=500*1.2016^5*(1.2016-1)/(1.2016^5-1) =167.78 Further off than I expected, but ballpark.


yes and it does make the review less likely to be genuine.  yelp is a community.  people make accounts all the time and post one review for marketing or trashing purposes.  i find yelp quite useful, but obviously you need to take the reviews with a grain of salt.  sorry they rustled your jimmies.


"Definitely this. The fact that it's termed ""identity theft"" is a great PR spin for banks. Someone else is attempting transactions while fraudulently claiming to be you. You did not lose your identity or even a piece of it. You are still fully you.  You are not even involved in the fraudulent transaction! It's a transaction between the bank and the fraudster, and the bank has agreed to some action you did not authorize. They should be responsible for cleanup."


The bank loaned you money. They have lien on the property. They have filed paperwork with the local government regarding that lien. If you want to change that paperwork you need them to cooperate. They need to make sure that their interest in the property isn't jeopardized by your actions. Their investors demand that their money be protected. They charge $100 for that service. The quit claim deed tells the world that you are giving up ownership in the property. Are you sure you want to leave the interpretation of your actions and intent to a corporation and the legal system. With only seven years left on the mortgage you most likely have significant equity in the home, even if the value of the property hasn't gone up. Don't you wish to protect that equity by spending $100?


"The ""independent contractor"" vs. ""employee"" distinction is a red herring to this discussion and not at all important just because someone suggested you use your LLC to do the job. Corp-2-Corp is a very common way to do contracting and having an LLC with business bank accounts provides you with more tax deductions (such as deducting interest on credit lines). Some accounting practices prefer to pay entities by their Tax ID numbers, instead of an individual's social security number. The actual reasoning behind this would be dubious, but the LLC only benefits you and gives you more advantages by having one than not. For example, it is easier for you to hire subcontractors through your LLC to assist with your job, due to the opaqueness of the private entity. Similarly, your LLC can sign Non Disclosure and Intellectual Property agreements, automatically extending the trade secrets to all of its members, as opposed to just you as an individual. By signing whatever agreement with the company that is paying you through your LLC, your LLC will be privy to all of this. Next, assuming you did have subcontractors or other liability inducing assets, the LLC limits the liability you personally have to deal with in a court system, to an extent. But even if you didn't, the facelessness of an LLC can deter potential creditors, for example, your client may just assume you are a cog in a wheel - a random employee of the LLC - as opposed to the sole owner. Having a business account for the LLC keeps all of your expenses in one account statement, making your tax deductions easier. If you had a business credit line, the interest is tax deductible (compared to just having a personal credit card for business purposes). Regarding the time/costs of setting up and managing an LLC, this does vary by jurisdiction. It can negligible, or it can be complex. You also only have to do it once. Hire an attorney to give you a head start on that, if you feel that is necessary. Now back to the ""independent contractor"" vs. ""employee"" distinction: It is true that the client will not be paying your social security, but they expect you to charge more hourly than an equivalent actual employee would, solely because you don't get health insurance from them or paid leave or retirement plans or any other perk, and you will receive the entire paycheck without any withheld by the employer. You also get more tax deductions to utilize, although you will now have self employment tax (assuming you are a US citizen), this becomes less and less important the higher over $105,000 you make, as it stops being counted (slightly more complicated than that, but self employment tax is it's own discussion)."


I don't think BB sells $300 suits. I think they're going to be more like +$800, but it has been awhile since I've looked.   As far as shoes, yeah, I meant Allen Edmonds for AE. They're like the entry level for nice shoes. They're not cheap tho. The benefit to them is that they look a little nicer, and should last much longer if you take care of them. AE sells their factory seconds at:   https://shoebank.com/  Ive gotten two pair from there and haven't been able to find the defect. As far as which black shoe, that's up to you. You cannot go wrong with their park ave's, but they might be a bit formal. I have the Mora's, but I wouldn't recommend monk straps for your first pair.  Maybe consider a dark brown shoe. It will look a little more natural with the Navy suit, and is arguably a bit more versatile. The stand is always a good option.


buy an option, they cost less and let you buy shares in the future at the price you see now. only if you plan to buy more than 100 shares of the stock at that future date though. better learn how to use options strategically first, which I won't go into. but this is indeed their purpose.


Kulfi is a frozen, milk-based dessert, an exotic cousin to ice-cream. Different versions of ice-cream are available but the emphasis is on what is the personal favourite – the ever forgotten, Kulfi. Though it is the dessert for elders, even the kids love it.


American food label guidelines are all kinds of fucked up. The only thing I buy packaged these single ingredient staples.  Even that requires a significant amount of research or knowledge since imports can have all sorts of illegal pesticides in them.


It looks like from their response, they would like you to send a copy of your social security card. Your drivers license or passport will not help verify your social security number. Another option you could try is to get your credit report from one of the other credit bureaus. You should be able to choose from Experian, Trans Union, and Equifax all on annualcreditreport.gov


"I was able to attend an open discussion on Illinois pensions a few years back.  Dick Ingram, head of the Illinois Teacher's Retirement System spoke, as did a public employee union leader, Governor Quin's budget director and Christine Radogno who is a state lawmaker.  It was eye opening on many levels.  Some of the points that stick with me are:      * The state has never, over 30 years, followed standard practice and used an actuary to determine how much to put into the pension funds each year.  The legislators just pulled numbers out of the air each year.  As a result the pensions have never been properly funded.   The benefits are rich but, according to the people on this panel the main issue is this under funding.     * Some years the state declared a pension holiday and put nothing into the pension funds at all.  When this was brought up the largely union crowd started to turn on Radogno but she held up her hand, said she had voted against that and then commented that the unions all signed off on the pension holidays.  As one the crowd's heads turned to the union rep on the board.  He turned red and stared at the floor.     * 2/3 of the teacher's pension hole is for people already retired.  Changing benefits for current teachers will not help enough.     I asked Mr Ingram how much additional tax he would need to plug the hole in the system he manages.  He answered ""double"".  I asked for how long.  He said ""It doesn't work like that.  I'd need double the current amount forever.""  I came away much better informed but deeply saddened.  Like 69% of the people polled, I want these teachers and public employee to get their money.  I just don't see how it can happen."


That's the gas station 7/11 and the like. But not the bodegas and other inner-city grocery stores that charge 3x the normal price for (often crappy) bread and eggs because there aren't many competitors when you live out on Avenue Q in Brooklyn, or in Northern, KY but don't have a car.


Not sure about the book the previous poster recommended.  The five questions in the article seem good, a bit shallow maybe, although it is just an article.    I sold for about five years with modest success before moving into marketing.  Many of my peers saw Solution Selling by Michael Bosworth at the best foundation for consultative selling.   I personally also like Helping Clients Succeed by Mahan Khalsa.  According to Khalsa, it starts with wanting to help people solve problems and working with the client as a partner, rather than selling to them.  No one likes to be sold, but everyone loves to buy.  (Sorry for lack of links, on my phone right now.)  I'd be interested to hear what books or resources other salespeople find useful.


I am not a tax accountant and the caveats about taking tax advice from random people on the internet stand. I have, however, had partial payment as in specie benefit in the past so have a good idea of how this is taxed. The chickens are taxed as in specie benefits (supposing you classify the chickens as beneficial) at the same rate as any other payment. That the chickens died soon after has no effect unless it was for a reason that meant that their value was lower at the time that you received them than was accounted for for tax reasons. If their value at that time was less than reported you can write down the value and receive a tax rebate for the amount of tax on that write down.


> It's musical chairs where anyone with the right idea and ambition can build their own chair and take a seat!  Do you seriously think that people with only a basic skill set has what it takes to be an entrepreneur or would you agree that, for the most part, farm workers, ditch diggers, security guards, and dishwashers have to deal with the job market as it is?  > The pie is NOT fixed.  It pretty much is fixed.  If I build a better mouse trap and thousands of people flock to my storefront to buy it, do my sales cause the pie to grow or is it offset from all the business lost from the other mouse trap makers?


"What exactly is ""Call Protection""? Is ""NO"" normal for a CD?   A ""callable"" cd (or one without protection can be revoked before maturity by the issuer. For example, if interest rates drop they might recall the CD since they can borrow money at a lower rate. A callable CD should offer a better return in exchange for this. Is ""first coupon date"" the first time it actually pays interest?   Yes. Given that the first coupon date is in 6 months, and it's semiannual, is it fair to assume that this pays every six months?   Yes Given that the maturity date is 9/29/2025, this is really a 15-year CD, right?   It depends. CDs can be resold on the market. So it is AT LEAST a 15 year CD. It could also be a 20 year CD originally issued in 2005. What does ""Price (Ask)"" mean? It says 100 - does that mean you buy in chunks of $100?   Yes. More accurately, they are $100 per CD.  What is ""Yield to Worst (Ask)""? Is this the worst yield that this CD will return?   The lowest potential yield that can be received on a bond without the issuer actually defaulting. 3.25% is the best yield I've seen from something as stable as a CD. Would it be silly, though, to lock money up in an investment like this for 15 years?     There is no way to really say without a crystal ball. If you aren't willing to accept more risk and think that interest rates will remain at these historic lows for a long while, then it is probably a good deal. If you think interest rates are due to go up substantially, then it is probably smarter to ladder your investments in shorter term CDs. In investment circles this is known as ""Interest Rate Risk"""


Hopefully this $1000 is just a start, and not the last investment you will ever make. Assuming that, there are a couple of big questions to consider: One: What are you saving for? Are you thinking that this is for retirement 40 or 50 years from now, or something much sooner, like buying a car or a house? You didn't say where you live. In the U.S., if you put money into an IRA or a 401k or some other account that the government classes as a retirement account, you don't pay taxes on the profits from the investment, only on the original principal. If you leave the money invested for a long period of time, the profits can be many times the original investment, so this makes a huge difference.  Like suppose that you pay 15% of your income in state and local taxes.  And suppose you invest your $1000 in something that gives a 7% annual return and leave it there for 40 years. (Of course I'm just making up numbers for an example, but I think these are in a plausible range. And I'm ignoring the difference between regular income tax and capital gains tax, etc etc. It doesn't change the point.) If you put the money in a classic IRA, you pay 0% taxes the year you open the account, so you have your full $1000, figure that compound interest for 40 years, you'll end up with -- crunch crunch crunch the numbers -- $14,974. Then you pay 15% when you take it leaving you with $12,728. (The end result with a Roth IRA is exactly the same. Feel free to crunch those numbers.) But now suppose you invest in a no-retirement account so you have to pay taxes every year. Your original investment is only $850 because you have to pay tax on that, and your effective return is only 5.95% because you have to pay 15% of the 7%. So after 40 years you have -- crunch crunch -- $10,093. Quite a difference. But if you put money in a retirement account and then take it out before you retire, you pay substantial penalties. I think it's 20%. If you plan to take the money out after a year or two,  that would really hurt. Two: How much risk are you willing to take? The reality of investment is that, almost always, the more risk you take, the bigger the potential returns, and vice versa. Investments that are very safe tend to have very low returns. As you're young, if you're saving for retirement, you can probably afford a fairly high amount of risk. If you lose a lot of money this year, odds are you'll get it back over the next few years, or at least be able to put more money into investments to make up for it. If you're 64 and planning to retire next year, you want to take very low-risk investments. In general, investing in government bonds is very safe but has very low returns. Corporate bonds are less safe but offer higher returns. Stocks are a little more. Of course different companies have different levels of risk: new start-ups tend to be very risky, but can give huge returns. Commodities are much higher risk. Buying on margin or selling short are ways to really leverage your money, but you could end up losing more than you invested. Mutual funds are a relatively safe way to invest in stocks and bonds because they spread your risk over many companies. Three: How much effort are you willing to put into managing your investments? How much do you know about the stock market and the commodities market and international finance and so on, and how much are you willing to learn? If your answer is that you know a lot about these things or are willing to dive in and learn a lot, that you can invest in individual stocks, bonds, commodities, etc. If your answer is that you really don't know much about all this, then it makes a lot of sense to just put your money into a mutual fund and let the people who manage the fund do all the work.


">Wrong. Between Ford (1914) and FDR's Fair Labor Standards Act (1938) the middle class formed. Unions forming from textile plants pushed for what became the FLSA.   That's more the working class, but we're just splitting hairs now.  >The right has been conned into wanting to dismantle all of that even though the only people who would benefit are the top 1%.  A free market wouldn't stop unions, in fact it would give them more freedom.  >This is why the rest of us call you dupes or dummies.  No, you do that because you're a condescending asshole.  >A ""slow down"" is no shortage. You said it generally as well. There's no overall housing shortage.  Actually the example I gave you showed that allowing the construction of new apartments reduced rent increases as more demand is met. As far as actual vacant houses go, Seattle is actively stopping people from living in them, and giving permits to destroy them. You could solve the homeless problem in Seattle by getting govt out of the way."


"This is a very vague question and could not be fairly answered without knowing additional details, some examples would be:  * What is the total revenue of the non-profit? * What are the total expenses of the non-profit? * What is the effectiveness rate to the ""cause"" of each $1 donated?  Non-profit organizations and charities have grown to large scale business operations that are focused on delivering value to their determined cause.  The Top 5 largest charities each had total revenues over $3.3 billion in 2012.  This included United Way, Goodwill, The Y, and the Salvation Army with the largest being the Y at over $6.2 billion in annual revenue.  All of these non-profits bring in enough revenue to be in the Fortune 500 (The 500th company on the list is Newmont Mining Corp at $3.2 billion in revenue).  When you consider the scale of these operations I think you need to acquire an experienced CEO that has a career history of leading large and many times multi-national organization.  These CEOs command high salaries because of their talent and expertise.  I believe when they are passionate about a cause they're willing to take a discount, but you have to understand the term discount proportionately.  I made a quick table below just to provide some context and show reference points of several Fortune 500 companies in comparison to The Y, the largest non-profit in total revenue.  You can quickly see that a salary of $450,000 for an organization of this size would be a significant discount in comparison to the CEO salaries of comparably sized organization in the for profit world.  When considering charitable contributions it is entirely valid to consider the CEO's salary, but also consider the potential value add.  For example, if that CEO generates a significantly more effective ratio of utilizing donated $ then it may justify the salary.   In some scenarios it is fair to say that $450,000 would be a fair and adequate salary for a CEO running a large scale non-profit.  Is this the case for every non-profit?  Probably not.  It should often be thought of as a function of total revenue and effectiveness of the $ donated.     Company | 2013 Revenue | 2013 CEO Salary | Ratio ---|----|----|-----| Cummins | $6.3B | $9.4M | .15% EMC Corp | $6.2B | $32.3M | .52% Northeast Utilities | $6.1B | $1.7M | .03% Agilent Technologies | $6.1B | $10.2M | .17% *The Y (YMCA)* | *$6.2B* | *$.45M* | *.007%*  Source(s): http://www.thenonprofittimes.com/wp-content/uploads/2013/11/11-1-13_Top100.pdf http://www.salary.com/ http://www.grossing.com/fortune500.htm"


Some ideas:


"[Here you go](http://www.computerweekly.com/news/2240150767/Facebook-shareholders-sue-over-misleading-IPO)  It's a classic case of ""the worst thing you can do is give them an actual reason to go after you."" The real reason folks are hating on the Facebook IPO is, as others have indicated, that they just want to dislike Zuckerberg and the IPO wasn't the instant gold everyone wants to think that IPOs are.   But this (honestly minor) information fuckup is going to be the rope that is needed to hang Facebook and Morgan Stanley.   It's like Al Capone terrorizing and murdering all across central America, but getting sent to jail on tax fraud."


In some countries,  the mafia is an accepted part of the system (like some areas in Italy).  In this country it is not, but government taxes are as they provide services that the people want.  That is decided by the majority, not by the individual.  And, if you individually choose to not partake of that system you can either face criminal results or you can head out for a country with low/no taxes.  I hear Somalia has no country taxes...


To quote their disclaimer: Data is provided by financial exchanges and may be delayed as specified by financial exchanges or our data providers. Google does not verify any data and disclaims any obligation to do so. That means that they buy it from a reseller such as IDC. It probably differs in source between the different exchanges depending on price and availability factors. They do specify in some cases which reseller they use and one of those happens to be Interactive Data (IDC) who are also the data provider used in my day job!


Hundreds of ghost towns across the US would disagree.  Prices are what, maybe 5% cheaper than their competitors?  That comes at the cost of killing off local competition that actually generates revenue for the town.  Walmart creates income disparity, and kills more local jobs than it generates.


A great American company on its deathbed for really no good reason beyond executive greed and their eye solely on short term profits. They had goodwill out the wazoo and multiple generations who grew up buying their products and they squandered it all.


"But how much does efficiency in internet shopping and warehouse shipping to homes translate to retail stores.  Also a lot of the reason that Whole Foods's competitors are able to beat them on price is [because they use unscrupulous suppliers who are organic in name only.](https://www.washingtonpost.com/business/economy/why-your-organic-milk-may-not-be-organic/2017/05/01/708ce5bc-ed76-11e6-9662-6eedf1627882_story.html)  If you're buying ""organic"" food from Wal-Mart, Albertson's, etc. you're frequently being played for a fool."


Fundamentally, it's no different than normal.  A risky entity must entice investors with higher interest rates than less risky entities.  We're just in such a low interest rate environment that the rate spread now dips below zero and very low risk entities can issue debt with a negative coupon. Though I agree that this makes no sense and the world's gone mad.


"You have to register with the SEC as an Investment Company. The SEC has a ""Investment Company Regulation and Registration Package"", available here: http://www.sec.gov/divisions/investment/invcoreg121504.htm  I found that off their overall page for funds and advisors: http://www.sec.gov/divisions/investment.shtml  Finally, bear in mind that your state may have various requirements as well."


I use both Factset and Bloomberg on a daily basis. Factset has an extremely powerful portfolio management tool, which is really useful to analyze your portfolios etc. Also, it has a great backtesting tool. But it is unbearably slow, and the UI is not particularly intuitive, and you can't navigate using the keyboard. Factset is not cheaper. Just a different cost structure.  I use Bloomberg for prices and stock analysis. It is much quicker and I like the keyboard navigation system. That said, it has a lot of mistakes, especially in the Financial Analysis section. So you can't really trust it.


Whether you're self-employed or not, knowing exactly how much tax you will pay is not always an easy task.  Various actions you can take (e.g., charitable donations, IRA contributions, selling stocks) may increase or reduce your tax liability. One tool I've found useful for estimating federal taxes is the Excel 1040 spreadsheet.  This is a spreadsheet version of the income tax return form.  It is not official and is not created by the IRS, but is maintained as a labor of love by a private individual.  In practice, however, it is pretty much an accurate implementation of the tax calculation algorithms encoded in the tax forms and instructions. The nice thing about it is that it's a spreadsheet.  You can plug numbers into various slots in the spreadsheet and see how they affect your federal tax liability.  (You may also owe state taxes depending on what state you live in.)  Of course, the estimates you get by doing this are only (at most) as accurate as your estimates of the various numbers you plug in.  Still, I think it's a free and useful way to get a ballpark estimate of your tax liability based on numbers that you can more easily estimate (e.g., how much money you expect to earn).


I sell a put for a strike price at the market. The stock rises $50 over the next couple months. I've gotten the premium, but lost the rest of the potential gain, yet had the downside risk the whole time.  There's no free lunch.  Edit - you can use a BS (Black-Scholes) calculator to create your own back testing. The calculator shows a 1% interest rate, 2% yield, and 15% volatility produce a put price almost identical to the pricing I see for S&P (the SPY ETF, specifically) $205 put. No answer here, including mine, gave any reference to a study. If one exists, it will almost certainly be on an index, not individual stocks. Note that Jack's answer referencing PUTX does exactly that. The SPY ETF and it put options. My suggestion here would, in theory, let you analyze this strategy for individual stock options as well.  For SPY - With SPY at 204.40, this is the Put you'd look at -  12 times the premium is $33.36 or 16% the current price. The next part of the exercise is to see how the monthly ups and downs impact this return. A drop to $201 wipes out that month's premium.  It happens that it now March 18th, and despite a bad start to the year, we are at break-even YTD. A peek back shows In Dec you picked up $2.87 premium, (1.4% the current price then) but in Jan, it closed for a loss of $12. Ouch. Now, if you started in January, you'd have picked up 2 month's premiums and today or Monday sell the 3rd. You'd have 2.8% profit so far, vs the S&P break even.  Last, for now, when selling a naked put, you have to put up margin money. Not sure how much, but I use percent of the value of underlying stock to calculate returns. That choice is debatable, it just keeps percents clean. Else you put up no money and have infinite return.


If this chargeback failed then would it negatively affect my credit score? A credit score is a measure of how dependable of a borrower you are. Requesting a refund for not receiving goods not delivered as promised, whether it is successful or it fails, should not impact your credit score since it has no implications on the likelihood that you will pay back debts. The last time I used that gym was the 13th January 2017, and I rejoined on the 20th December, so I have used it for less than a month. Therefore I do not think I should have to pay for two months Keep in mind that you purchased a membership to the gym. Whether or not you actually use the gym you are liable to pay for every month that you retain the membership. Although it probably won't hurt to try to get a refund for the period where you didn't take advantage of your gym membership, you weren't actually charged for a service that you never received (like in the last case where they charged you after you cancelled your membership).


That's not true. What drags down the profitability of public transportation networks are human resources, in particular retirement funds.   High speed networks are more modern and operate with less people per passenger.km and thus are much more profitable, even with high initial investments.


"My guess is that with the firm going down the tubes, the money was appropriated and quickly moved offshore to pay the bonuses.  It seems to always be about paying the all important bonuses with these people.  I think it's possible that something very bad happens if the bonuses aren't paid. I don't know what the Wall Street equivalent of ""knee capping"" is but it's probably like ""shunning in social settings"" or something."


There is a misunderstanding somewhere that your question didn't illuminate. You should have lost $0.04 as you say. Assuming the prices are correct the missing $0.02 aren't covered by a reasonable interpretations of the Robinhood fees schedule. For US-listed stocks: $0 plus SEC fees: 0.00221% of principal ($22.10 per $1,000,000 of principal) plus Trading Activity Fee: $0.000119/share rounded to nearest penny plus short/long term capital gains taxes The total fee rate is 0.002329% or 0.00002329*the price of the trade. With you trades totaling around $11, the fee would be ~0.000256 or ~1/40 of a penny.  The answer is probably that they charge $0.01 for any fraction of a penny. It's difficult to explain as anything other than avarice, so I won't try.


"I think your very long list of possible assumptions makes a tacit point of your own:  to state ""15%"" as a general value is bogus.  I think, in most cases, the ""15%"" is merely a popular meme.   To give any fixed number or percentage of income saved is insufficient without expanding things in the way you show.  Therefore, a formula, in which at least a handful of variables can be plugged into it, seems like the right approach.  (And this is what is being discussed here with the Monte Carlo method)."


Two years ago, I wrote an article titled Student Loans and Your First Mortgage in response to this exact question posed by a fellow blogger.  The bottom line is that the loan payment doesn't lower your borrowing power as it fits in the slice between 28% (total housing cost) and 38% (total monthly debt burden) when applying for a loan.  But, the $20K is 20% down on $100K worth of house. With median home prices in the US in the mid-high $100Ks, you're halfway there.  In the end, it's not about finance, it's a question of how badly you want to buy a house. If I got along with the parents, I'd stay as long as I was welcome, and save every dollar I could. Save for retirement, save for as large a downpayment as you can, and after you buy the house, pay the student loan aggressively. I moved out the week after I graduated.


Still does, as far as I know.  This applies only to hand tools, however. I worked in the Sears paint and hardware departments in high school and college, and at least once a week we'd have someone come in and demand a replacement for a five-year-old saber saw or drill. Sorry, power tools only have (had?) a one-year warranty. Lifetime warranty on power tools would obviously be suicidal.


"If you're really interested in the long-term success of your business, and you can get by in your personal finances without taking anything from the business for the time being, then don't.   There is no ""legal requirement"" to pay yourself a prevailing wage if doing so would put the company out of business.  it is common for a company's principals not to draw wages from the business until it is viable enough to sustain payroll.  I was in that situation when I first began my business, so the notion that somehow I'm violating a law by being fiscally responsible for my own company is nonsense. Be wise with your new business.  You didn't state why you feel the need to take some kind of payment out, but this can be a crucial mistake if it imperils your business or if that money could be better spent on marketing or some other areas which improve revenues. You can always create a salary deferral agreement between yourself and your own company which basically states that the company owes you wages but you are, for the time being, willing to defer accepting them until such time that the company has sufficient revenues to pay you.  That's one solution, but the simplest answer is, if you don't need the money you're thinking of paying yourself, don't do it.  Let that money work for you in the business so that it pays off better in the long run. Good luck!"


This is not good advice, it's all buzzwords with no substance. Obsession can help but can be just as much of a hindrance when it has to be perfect rather than profitable. No exit strategy is a great way to lose your house. It's great having employees who love working for you but if they're not competent workers, they're not going to be productive. Et cetera.  The only advice you should take here is to not hire a PR firm since it's easy to see what PR firms would do and copy the parts you think will work for you (basically: setup a functional website and some social media accounts)


The two terms seem to be used interchangeably.  Even the IRS' website uses them interchangeably from one sentence to the next (emphasis mine): Many 401(k) plans allow employees to make a hardship withdrawal   because of immediate and heavy financial needs. Generally, hardship   distributions from a 401(k) plan are limited to the amount of the   employees' elective contributions only ... It might a difference in perspective:  The account holder withdraws the money, but the fund manager distributes it. Another way to look at it would be for cases that are only in transition to another tax-advantaged account.  You can withdraw the money without it becoming a taxable distribution if you get it into another tax-advantaged account within a certain time limit.


I agree that college doesn't or shouldn't have to be all about job prep.   However, the caveat I will add is that if you go into DEBT for your education, you should certainly be thinking about the economic value your education can provide you.   The last point about subsidized college being cheaper than the current system.. I don't know.. I'd have to see these reports you speak of, and who made them, and for what incentive.  At the end of the day though, these findings are all moot unless we can have a conversation about the hyperinflation in college costs directly related to 'free' aka subsidized education.


As NRI/PIO (Non-Resident Indian/Person of Indian Origin), the overseas income and transfers in foreign currency are exempt from Indian income taxes. However, the account in India has to be designated NRE or FCNR. There are three kind of accounts that an NRI can maintain Interest earned in NRE and FCNR accounts is exempt from income taxes. Interest earned in NRO accounts is not exempt from income taxes, in fact banks would withhold about 30% of interest (TDS). The exact tax liability would depend upon income generated in India and TDS could be applied towards that liability when the tax returns are filed. There are other implications also of designating the account as NRE or NRO. NRE accounts can only be funded via inward remittance of permitted foreign currency e.g. deposit USD/GBP. So proceeds like rental income, pension etc. that are generated in INR within India can't be deposited in this account. The money deposited in NRE account can grow tax free and can be converted back in any foreign currency freely. On the other hand NRO accounts can be funded through both inward remittance of permitted foreign currency or local income e.g. rental, pension etc. All the amount in this account is treated as Indian originated INR (even if remitted in foreign currency) and thus is taxed as any other bank account. The amount in this account is subject to the annual cap of convertibility of USD 1 million. Both NRE and NRO accounts are maintained in INR and can be Saving and Term Deposit. Any remittance made to these accounts in any foreign currency is converted to INR at the time of deposit and is maintained in INR. FCNR account are held in foreign currency and can only be Term Deposit. Official definitions: Accounts for Non Resident Indians (NRIs) and Persons of Indian Origin (PIOs)


Some credit checks are ignored as part of the scoring process. Some companies will pull your info, to make sure you haven't become a risk. Others will inquire before they send you an offer. Since you didn't initiate the inquiry it can't impact your score.


"There was a post on a Canadian subreddit a week or two ago about Canadian east coast fishermen (who go on employment insurance for half the year, every year) complaining about immigrants and poor people who get ""hand outs"" from the government."


The world needs zero Ubers.  Uber is a corporation founded on lies, operating illegally in every location, and it operates what is effectively, the world's most dishonest payday loan scam, where you steal money from your future self, and give 25% of it to Uber.


">They can't work forever, despite some of these folks ideas to the contrary. Eventually their health will make it prohibitive to positively contribute to the work environment and companies won't want to deal with these higher risk employees.   The fact that many companies are ""top heavy"" with an inordinate number of older ""Boomer"" people is also one of the factors that has been driving the cost of health care insurance up.  The older people get, the more it costs to take care of their health (especially boomers, who as a generation ""indulged"" far more than the generation before them -- indulged in (i.e. used & abused) everything from organ destroying booze & drugs, to body-destroying ""exercise"" {knees, hips & ankles do NOT like jogging, and ""replacement"" joints are $50k to $100k EACH, so a quarter of a million [at least] will go into replacing knees & hips of the typical Boomer-Jogger}, to infection laden promiscuous sex {which we do not yet know all of the implications of, but we DO know is pretty scarey -- more and more cancers are being tagged as being caused by ""infectious agents"", aka STD's}).  And of course, the Boomers as a generation have ALWAYS been a bunch of whiners & complainers and because of the ""size"" of their demographic, they have typically been catered to.  So, basically, we ain't seen nuthin yet as far as health costs, OR the politics surrounding it all.  Watch as the Boomers make (political) DEMANDS that THEY be taken care of (and they will endorse cutting off anything & everything for their kids/grandkids generations)."


I'd be very surprised (but feel free to prove me wrong) if he advised people to pay in physical cash. He probably means to not take out debt.  In the world of M&A, the term cash is used a bit differently. You can fund a deal with cash, stock, or a combination of both. However, there are different sources of cash. You can have funds in your bank account, or you can go borrow funds in the debt market.  So what this means for this deal is that AMZN shareholders will not be giving up any equity for the acquisition. They will either use cash that is in their bank accounts or go to the debt markets, raise debt, and use the proceeds to pay WFM shareholders.  No one shows up with physical cash in either case. It's wired over to the people who will then distribute the money to the shareholders.


"Money is a token that you can trade to other people for favors. Debt is a tool that allows you to ask for favors earlier than you might otherwise. What you have currently is: If the very worst were to happen, such as: You would owe $23,000 favors, and your ""salary"" wouldn't make a difference. What is a responsible amount to put toward a car? This is a tricky question to answer. Statistically speaking the very worst isn't worth your consideration. Only the ""very bad"", or ""kinda annoying"" circumstances are worth worrying about. The things that have a >5% chance of actually happening to you. Some of the ""very bad"" things that could happen (10k+ favors): Some of the ""kinda annoying"" things that could happen (~5k favors): So now that these issues are identified, we can settle on a time frame. This is very important. Your $30,000 in favors owed are not due in the next year. If your student loans have a typical 10-year payoff, then your risk management strategy only requires that you keep $3,000 in favors (approx) because that's how many are due in the next year. Except you have more than student loans for favors owed to others. You have rent. You eat food. You need to socialize. You need to meet your various needs. Each of these things will cost a certain number of favors in the next year. Add all of them up. Pretending that this data was correct (it obviously isn't) you'd owe $27,500 in favors if you made no money. Up until this point, I've been treating the data as though there's no income. So how does your income work with all of this? Simple, until you've saved 6-12 months of your expenses (not salary) in an FDIC or NCUSIF insured savings account, you have no free income. If you don't have savings to save yourself when bad things happen, you will start having more stress (what if something breaks? how will I survive till my next paycheck? etc.). Stress reduces your life expectancy. If you have no free income, and you need to buy a car, you need to buy the cheapest car that will meet your most basic needs. Consider carpooling. Consider walking or biking or public transit. You listed your salary at ""$95k"", but that isn't really $95k. It's more like $63k after taxes have been taken out. If you only needed to save ~$35k in favors, and the previous data was accurate (it isn't, do your own math): Per month you owe $2,875 in favors (34,500 / 12) Per month you gain $5,250 in favors (63,000 / 12) You have $7,000 in initial capital--I mean--favors You net $2,375 each month (5,250 - 2,875)   To get $34,500 in favors will take you 12 months ( ⌈(34,500 - 7,000) / 2,375⌉ ) After 12 months you will have $2,375 in free income each month. You no longer need to save all of it (Although you may still need to save some of it. Be sure recalculate your expenses regularly to reevaluate if you need additional savings). What you do with your free income is up to you. You've got a safety net in saved earnings to get you through rough times, so if you want to buy a $100,000 sports car, all you have to do is account for it in your savings and expenses in all further calculations as you pay it off. To come up with a reasonable number, decide on how much you want to spend per month on a car. $500 is a nice round number that's less than $2,375. How many years do you want to save for the car? OR How many years do you want to pay off a car loan? 4 is a nice even number. $500 * 12 * 4 = $24,000 Now reduce that number 10% for taxes and fees $24,000 * 0.9 = $21,600 If you're getting a loan, deduct the cost of interest (using 5% as a ballpark here) $21,600 * 0.95 = $20,520 So according to my napkin math you can afford a car that costs ~$20k if you're willing to save/owe $500/month, but only after you've saved enough to be financially secure."


10k in taser stock at $1.00 per share made those who held into the hundreds per share made millions.  But think about the likelihood of you owning a $1 stock and holding it past $10.00. They (taser millionaires) were both crazy and lucky.  A direct answer, better off buying a lottery ticket. Stocks are for growing wealth not gaining wealth imho. Of course there are outliers though.  To the point in the other answer, if it was repeatable the people teaching the tricks (if they worked) would make much more if they followed their own advice if it worked.  Also, if everyone tells you how good gold is to buy that just means they are selling to get out. If it was that good they would be buying and not saying anything about it.


There are a few other factors possible here: Taxes - Something you don't mention is what are the tax rates on each of those choices.  If the 4% gain is taxed at 33% while the 3% government bond is taxed at 0% then it may well make more sense to have the government bond that makes more money after taxes. Potential changes in rates - Could that 4% rate change at any time?  Yield curves are an idea here to consider where at times they can become inverted where short-term bonds yield more than long-term bonds due to expectations about rates.  Some banks may advertise a special rate for a limited time to try to get more deposits and then change the rate later.  Beware the fine print. Could the bond have some kind of extra feature on it?  For example, in the US there are bonds known as TIPS that while the interest rate may be low, there is a principal adjustment that comes as part of the inflation adjustment that is part how the security is structured.


Ok look, so you didn't read it. Here's a blurb for you to ponder:  The Quran contains at least 109 verses that call Muslims to war with nonbelievers for the sake of Islamic rule. Some are quite graphic, with commands to chop off heads and fingers and kill infidels wherever they may be hiding. Muslims who do not join the fight are called 'hypocrites' and warned that Allah will send them to Hell if they do not join the slaughter.  So wait, are you saying that an infinitesimally small number of muslims read the Koran?


Yes, but again this wouldn't matter if nobody wanted an electric car. Tesla could open their factories up to the public and it wouldn't matter if nobody wanted an electric vehicle. Creating interest in electric vehicles and moving the entire market forward is the most important step for Tesla.


The 60 day pay back rule of a distribution your are referring to is a reportable IRS rule so you won't be able to circumvent that by opening your own company with its own 401K and borrowing the funds from there. Failure to accurately report to the IRS leads to fines and possible jail time.    It's not advisable to withdraw from a retirement account but if you really need the money then you can move the funds to a Rollover IRA at the new broker/dealer, or custodian etc. Once you withdraw funds, the plan sponsor has to abide by a mandatory 20% tax withholding on the distribution, you'll be hit with a 10% tax penalty for early withdraw and you'll have to report the distribution as income when you file your personal income taxes. The move from a 401K to a Rollover however is legal and has no tax implications or penalties (besides possible closing fees at the old account) - that is until you decide to withdraw from it assuming you are under age 59 1/2.   Regarding your last point, 401Ks are administered by 3rd parties. You wouldn't be opening up any accounts directly with them necessarily. Best advice? Get a Financial Advisor in your area. I recommend going with an advisor who is backed by independent broker-dealer. Independent broker dealers don't offer their own investment products therefore don't push their advisors to sell you their 'in-house' products like big banks.   Here's a good article on using Rollover funds to start a venture: http://www.ehow.com/how_6789743_rollover-directed-ira-start-business.html  Here is a resource guide direct from the IRS (you can CTRL+F for any specific topics)  http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/401%28k%29-Resource-Guide---Plan-Participants---General-Distribution-Rules


ADP does not know your full tax situation and while the standard exemption system (actually designed by the IRS not ADP) works fairly well for most people it is an approximation.  This system is designed so most people will end up with a small refund while some people will end up owing small amounts.  So, while it is possible that ADP has messed up the calculations it is unlikely this is the cause.  The most likely cause is that approximation ends ups making you pay less tax during the year than you actually owe. A few people like your friend may end up owing large amounts due to various circumstances.  It is always your responsibility to make sure you pay enough tax throughout the year.  While this technically means that you need to do your taxes every quarter during the year to make sure you pay the correct tax during the year, for most people this ends up being unnecessary as the approximation works fine.  It is possible the exemption system failed your friend, but much more commonly people owe penalties because they put the wrong number of exemptions or had other side income. On a related note, most people in finance would argue that your situation where you owe some money at tax time, but not so much that you have to pay a penalty, is actually the best way to go.  Getting a tax refund actually means you paid more tax than you needed to.  This is similar to giving an interest-free loan to the government.


"This is second hand information as I am not a millionaire, but I work with such people everyday and have an understanding of how they handle cash: The wealthy people don't. Simple. Definitely not if they don't have to. Cash is a tool to them that they use only if they get benefit of it being a cash transaction (one of my friends is a re-seller and he gets a 10% discount from suppliers for settling lines using cash). Everything else they place on a line of credit. For people who ""dislike"" credit cards and pay using ATM or debit cards might actually have a very poor understanding of leverage. I assure you, the wealthy people have a very good understanding of it! Frankly, wealthy people pay less for everything, but they deserve it because of the extreme amount of leverage they have built for themselves. Their APRs are low, their credit limits are insanely high, they have longer billing periods and they get spoiled by credit card vendors all the time. For example, when you buy your groceries at Walmart, you pay at least a 4% markup because that's the standardized cost of processing credit cards. Even if you paid in cash! A wealthy person uses his credit card to pay for the same but earns the same percentage amount in cash back, points and what not. I am sure littleadv placed the car purchase on his credit card for similar reasons! The even more wealthy have their groceries shipped to their houses and if they pay cash I won't be surprised if they actually end up paying much less for fresh (organic) vegetables than what equivalent produce at Walmart would get them! I apologize for not being able to provide citations for these points I make as they are personal observations."


You could probably see prices at one of the Obamacare websites.  I'm on Obamacare in Massachusetts, and the premiums for me ranged from about $300-600 per month.  For a couple, you just multiply by two (couples don't get any discounts over single people).  So for a couple, the cost is about $600-$1200 per month. I never looked at family prices because I don't have kids, but I think the family plans are not that much more than the plans for a couple.


"As a consumer, I guess ""yay"" is in order, but I have to side with the marketplace vendors on this one--it is just bad business to force this policy on sellers. Not everyone has the ability to eat the refund losses that Amazon does."


"> Any job that went south of the boarder was leaving anyway.  It may be true that these jobs not leaving would result in an increase in the cost of living. But the textile market is not going away just because there's no cheap labor market to produce it in.  >NAFTA provides you with much more buying power. 20 years ago a poor person could not buy an iphone if it existed back then. Currently anyone can afford any combination of Iphone, Xbox, computer, above ground swimming pool, etc.   Twenty years ago I was still working full time, and could afford rent, car, and have spending money. By 2005, the last time I worked, there was no way to afford rent and maintain a car to get to work. I was making better than minimum wage then, but not by a lot.  Just what are you basing the notion of ""everybody"" on?"


"That article, like almost any article written by a non-expert and quoting only ""research"" from lobbying groups, hugely misses the point. The vast majority of orders that end up being cancelled are cancelled as a standard part of exchanges' official market-maker programs. Each exchange wants you and me to know that it has liquidity -- that when we go to buy or sell some stock, there will be someone waiting on the other side of the trade.  So the exchange pays (via lowered fees or even rebates) hundreds of registered market makers to constantly have orders resting in each product's order book within a few ticks of the current NBBO or the last trade price.  That way, if everyone else should suddenly disappear from the market, you and I will still be able to trade our shares for a price somewhat close to the last trade price. But market makers who are simply acting in this ""backstop"" role don't actually want to have their orders filled, because those orders will almost always lose them money. So as prices rise and fall (as much as tens of times per second), the market makers need to cancel their resting orders (so they don't get filled) and add new ones at new prices (so they meet their obligations to the exchange).  And because the number of orders resting in any given product's order book is vastly larger than the number of actual trades that take place in any given time period, naturally the number of cancellations is also going to hugely outweigh the number of actual trades.  As much as 97% to 3% (or even more). But that's completely fine! You and I don't have to care about any of that.  We almost never need the market makers to be there to trade with us.  They're only there as a backstop.  There's almost always plenty of organic liquidity for us to trade against.  Only in the rare case where liquidity completely dries up do we really care that the registered market makers are there.  And in those cases (ideally) the market makers can't cancel their orders (depending on how well the exchange has set up its market maker program). So, to answer your question, the effect of standard order cancellation on a stock is essentially none.  If you were to visualize the resting orders in a product's book as prices moved up and down, you would essentially see a Gaussian distribution with mean at the last trade price, and it would move up and down with the price.  That ""movement"" is accomplished by cancellations followed by new orders. P.S. As always, keep in mind that your and my orders almost never actually make it to a real stock exchange anymore.  Nowadays they are almost always sent to brokers' and big banks' internal dark pools.  And in there you and I have no idea what shenanigans are going on.  As just one example, dark pools allow their operators and (for a fee) other institutional participants access to a feature called last look that allows them to cancel their resting order as late as after your order has been matched against it! :( Regarding the question in your comment ... If Alice is sending only bona fide orders (that is, only placing an order at time T if, given all the information she has at time T, she truly wants and intends for it to be filled) then her cancellation at a later time actually adds to the effectiveness of and public perception of the market as a tool for price discovery (which is its ultimate purpose). [In the following example imagine that there are no such things as trading fees or commissions or taxes.] Let's say Alice offers to buy AAPL at $99.99 when the rest of the market is trading it for $100.00.  By doing so she is casting her vote that the ""fair value"" of a share of AAPL is between $99.99 and $100.00. After all, if she thought the fair value of a share of AAPL was higher --  say, between $100.00 and $100.01 -- then she should be willing to pay $100.00 (because that's below fair value) and she should expect that other people in the market will not soon decide to sell to her at $99.99. If some time later Alice does decide that the fair value of AAPL is between $100.00 and $100.01 then she should definitely cancel her order at $99.99, for exactly the reason discussed above.  She probably won't get filled at $99.99, and by sitting there stubbornly she's missing out (potentially forever) on the possibility to make a profit. Through the simple act of cancelling her $99.99 order, Alice is once again casting a vote that she no longer thinks that's AAPL's fair value.  She is (very slightly) altering the collective opinion of the entire market as to what a share of AAPL is worth.  And if her cancellation then frees her up to place another order closer to her perceived fair value (say, at $100.00), then that's another vote for her honest optinion about AAPL's price. Since the whole goal of the market is to get a bunch of particpants to figure out the fair value of some financial instrument (or commodity, or smart phone, or advertising time, etc.), cancellations of honest votes from the past in order to replace them with new, better-informed honest votes in the present can only be a good thing for the market's effectiveness and perceived effectiveness. It's only when participants start sending non-honest votes (non bona fide orders) that things start to go off the rails.  That's what @DumbCoder was referring to in his comment on your original question."


"Cash/CD's for a house downpayment = Good. Resist the urge to invest this money unless you're not planning on the house for at least 5 years. Roth IRA - Good. Amounts contributed are able to be withdrawn without tax penalties, though you would really need to be in a crisis for this to be a good idea. It's your long-term, retirement money. The earlier you start, the better. Use your 401K at work, if it's offered. Contribute to the Roth as much as you can, as well. Whole life (""Cash value"") life insurance: Be careful... Cash-value life insurance (Whole, Universal, Variable Universal) must be watched more closely as you age. Once they reach that ""magical"" point of being self-sustaining, you cannot relax. The annual cost of insurance is taken from the cash value, which your premium payments replenish. If you stop making premium payments, eventually the cost of insurance (which goes up every year) will erode your cash value down to nothing, at which point more premium must be paid to keep the policy in force. This often happens in your old age, when you can least afford the surprise, and costs are highest. Some advisors get messed up in their priorities when they start depending on the 8-10% commissions they are paid on insurance policies. Since premiums for cash-value policies are far higher than for term policies, you might get some insight into your advisor if they ignore your attempts to consider a term policy. Because of the insurance costs' effects on your cash value, these types of policies are some of the most inefficient and expensive ways to invest. You are better off not investing via a life insurance policy. You don't need life insurance unless someone depends on your financial contribution to their life (spouse and children, for example). Some people just like the peace of mind it brings, and some people want a lump sum to leave as a gift to their loved ones (which is an expensive way to leave a gift).  You can have these ""feel-good"" benefits with a term policy for much less money, if you must have them. Unless you expect to become uninsurable at some point in the future, you should consider using term insurance to meet your life insurance needs until it is no longer needed."


Craftsman tools are still industry leaders in quality. Unfortunately, it's hard to keep an entire store running on the legacy of their hardware department.  This has been the sears business model for well over a decade.  Not working out well.    Also, the whole kmart thing. Serious, wtf.


It's not necessary to convert it back for the changes to affect value.    Lets say you have a euro account with 1000 euro and a gbp account with 920 gbp (the accounts are equal in value given current exchange rates).  You could exchange either account for ~$1180 usd.    If you exchange the euro account for USD, and say the euro gets stronger against the pound and dollar (and subsequently the pound and dollar are weaker against the euro); then if you would've kept the 1000 euro it would now be worth more than 920 gbp and more than 1180 usd, and you would've been better off exchanging the gbp account for usd.  Barring some cataclysmic economic event; exchange rates between well established currencies don't radically change over a few weeks trip, so I wouldn't really worry about it one way or the other.


Because what is going on now isn't harming the rest of them? It is certainly harming an unprecented number of individuals around the world.  Institutions choose which markets they operate in, and make decisions on how much risk they will be exposed to in these markets. If an institution makes poor decisions, they should wear the consequences, as it would be for any other individual/business in other situation.   'Too big to fail' is a cop-out.


"hey there /u/PostNationalism -- you are relentlessly posting only from one single source, ""aei.org"".  whats up with that?  looking at ""aei.org"", its the ""American Enterprise Institute"":  >The Competitive Enterprise Institute (CEI) is a advocacy group based in Washington DC with long ties to tobacco disinformation campaigns and more recently to climate change denial. It calls itself ""a non-profit, non-partisan research and advocacy institute dedicated to the principles of free enterprise and limited government. We believe that individuals are best helped not by government intervention, but by making their own choices in a free marketplace.""[1] The Competitive Enterprise Institute is an ""associate"" member of the State Policy Network, a web of right-wing “think tanks” in every state across the country.[2] > >Until August 2007 CEI's website CEI stated that it served ""as both a think tank—creating intellectual ammunition to support free markets—and an advocacy organization—putting that ammunition to use in persuasive ways.""[3] > It postures as an advocate of ""sound science"" in the development of public policy. However, CEI projects dispute the overwhelming scientific evidence that human induced greenhouse gas emissions are driving climate change. They have a program for ""challenging government regulations"", push property rights as a solution to environment problems, opposed US vehicle fuel efficiency standards, and spin for the drug industry. > >Many of its claims have been debunked. Here are a few examples related to climate change: > >Annenberg Political Fact Check, ""Scientist to CEI: You Used My Research To ""Confuse and Mislead,"" May 26, 2006. > >""Thank you for emitting"", Real Climate, May 18, 2006 > >News Bureau, University of Missouri-Columbia, ""MU Professor Refutes National Television Ads Downplaying Global Warming: Engineering Professor Curt Davis says TV Spots are Misrepresenting His Research,"" May 19, 2006. >  astonishingly, they have financial ties to the Koch Brothers:  > >Charles G. Koch Charitable Foundation (Koch Family Foundations) > >Claude R. Lambe Charitable Foundation (Koch Family Foundations) > >David H. Koch Charitable Foundation (Koch Family Foundations) >"


"This question is likely to be closed as a product recommendation request. But if you are willing to change the question a bit, perhaps to ""How do I avoid having my debit card declined when I know I have good funds"" it becomes a reasonable general question. And my answer follows.  I can tell you the same thing happens to those of us with credit cards. It can happen when your buying pattern changes. Suddenly buying a lot of merchandise, especially away from home. Nothing like having your card declined while with relatives you visit or while on vacation. I'd talk to the bank and ask for advice how to avoid this. I've called my card issuer to tell them I'll in X city for these dates, to expect charges from there. That seems to work well."


IANAL but I'd think common sense would say that if you take advantage of one of the special cases that allow you to withdraw from a retirement plan without penalty, and then for whatever reason you don't use the money for a legal purpose, you would have to either return the money or pay the tax penalty. And I'll go out on a limb here without any documentation and guess that if you lie to the IRS and say that you withdrew the money for an exempt purpose and instead use it to go on vacation and you get caught, that you will not only have to pay the tax penalty but will also be liable for criminal charges of tax fraud. If the law and/or IRS regulations say that the only legal exceptions are A, B, and C, that pretty clearly means that if you do D, you are breaking the law. And in the eyes of the government, failing to pay the taxes you owe is way worse than robbery, murder, or rape.


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Well, I am no expert but I have been holding the stock since it was sub-4 and when it was 18 I thought it could still go to 30. Ford has increased sales while increasing prices. the 2013 fusion/modeo looks to be killer and the hybrid competes with prius, 47 mpg highway from a mid-size sedan (the current leader toyota camry hybrid released this year only gets 43). (aggresively?) Ramping up production in developing markets. The small cars are huge hits and once myfordtouch catches on with the general public and gets it's kinks worked out it will be a game changer. If you look at what customers are saying it is a reason to buy a Ford. Also it is good with the long run because the f-150 is the most sold vehicle and one of the most profitable.  TL;DR I will hold this stock until Mullally(CEO) leaves


If the bank wants to close your account, they will do just that. Having a small ongoing balance isn't going to prompt them to keep it open.  Typically, the risk is for a card with zero usage to be closed, as it's a cost to them to keep the account open, and it has no revenue. To avoid this, it's a good idea to use that card or cards for a regular purchase, say, gasoline. A non-impulse buy, and just pay in full to avoid interest. There's no need to keep a balance accruing interest.  Keep in mind - A bill contains a month of charges. The bill for December is issued on the 31st, but due January 25th or so. When you pay it in full you do not have zero balance, you have the charges from January. This accomplishes your goal, will no interest.


Start with the tax delta. For example, you'd hope to deposit at 25% bracket, but take withdrawals while at a marginal 15%. In this case, you're 10% to the good with the 401(k) and need to look at the fee eating away at this over time. Pay an extra 1%/yr and after 10 years, you're losing money. That's too simple, however. Along the way, you need to consider that the capital gain rate is lower than ordinary income. It's easier to take those gains as you wish to time them, where the 401(k) offers no flexibly for this. Even with low fees, this account is going to turn long term gains to ordinary income. (Note - in 2013, a couple with up to $72,500 in taxable income has a 0% long term cap gain rate. So, if they wish, they can sell and buy back a fund, claim the gain, and raise their cost basis. A tiny effort for the avoidance of tax on the gains each year.) First paragraph, don't forget, there are the standard deduction, exemption, and 10% bracket. While you are in the range to save enough to create he income to fill the low end at withdrawal, there's more value than just the 10% I discussed earlier.  Last, there's a phenomenon I call The Phantom Tax Rate Zone when one's retirement withdrawals trigger the taxation of Social Security.  It further complicates the math and analysis you seek.


And remember, there's nobody but you that can do it - so the most important tool here is your determination and persistence.


See what the contract says about transfers or subleases. A lease is a credit agreement, so the lessor may not allow transfers.  You probably ought to talk to an accountant about this. You can probably recognize most of the costs associated with the car without re-financing it in another lease.


What is never mention was that even though top marginal taxes were high, even extreme, nobody paid them. Reagan lowered taxes but also made lots of people pay taxes that had never had to pay them before. You could essentially write off losses from a business indefinitely. Failing to earn money on an investment was also a loss. My dad, on the advice of an IRS tax auditor, built a greenhouse and we started selling flowers. But it was intended to never make any money. It's sole purpose was to reduce tax liability.  These tax shelters were geared as personal tax shelters. So what was done to service bigger business was to create what was called holding corporations. These corporations would take investors money and basically just sit on it. Which could then be claimed as a loss. But if these spread between bank interest CDs) paid on the holdings of this corporation and the interest cost of borrowing against those holdings hit a sweet spot they would build a strip mall or something similar. This was the trigger to the boom bust when the Feds raised/lowered the interest rates, and had a lot to do with stagflation at the time. They would turn key the project and reinvest in holdings. People could essentially bring their taxes down as much as they wanted, even to zero. It just meant that they had to put more money into holding corporations.  When Reagan changed the tax code to disallow these tax write offs he put lots of very wealthy people in the poor house overnight. They went to bed one night and woke up with all their investors wanting their money. I know a guy that operated a holding corporation that still cries about it to this day. Of course he has never really financially recovered either.   ***  The point is that what the tax code listed as your top marginal tax had no bearing on what you paid in tax prior to Reagan. 34% tax was WAY more than most of these people ever dreamed of paying in taxes prior to Reagan.


">The question confronting us all is not if, but how will civilization evolve from the unsustainable centralized control of industrialization to the freedom of technologically enhanced open systems?  Industrialization and central control aren't even relate-able concepts. Unless you count that you learned about them both in ""Social Studies"".  Additionally, the author has no concept of how finance operates."


Oh, I can't wait! I need to upgrade that bladeless fan.  Seriously, **the Dyson fan does have a blade, at the base,** and it wastes tons of energy trying to push the air through a narrow circular opening on top.   Also, Dyson solved a problem that was solved more than 100 years ago using a cage over the blades. And the 100 years old solution also allows to easily clean the blades. Try to do that with a Dyson or Tower fans.


I've never heard of an employer offering this kind of arrangement before, so my  answer assumes there is no special tax treatment that I'm not aware of. Utilizing the clause is probably equivalent to exercising some of your options, selling the shares back to your employer at FMV, and then exercising more options with the proceeds. In this case if you exercise 7500 shares and sell them back at FMV, your proceeds would be 7500 x $5 = $37,500, with which you could exercise the remaining 12,500 options. The tax implications would be (1) short-term capital gains of 7500 x ($5 - $3) = $15,000 and (2) AMT income of 12,500 x ($5 - $3) = $25,000, assuming you don't sell the shares within the calendar year.


Organic product Circle Cereal Diamond CBD Hemp oil will help you to remember a bowl of sweet fruity enhanced grain loaded with drain, similar to the one we as a whole love for breakfast.  Precious stone CBD is a top of the line CBD Tincture oil which is mixed with premium CBD rich hemp oil.


People can and do intentionally hurt other people's credit scores all the time. This is why there are so many services to get your credit report checked, because it is very possibly that somebody did use your social security number to get a mortgage on a house or a car or open credit cards you didn't even know about, or even collections efforts you didn't know about. It is possible that organizations hard pulled your account multiple times and paid for it. The deterrents are inadequate and ultimately leave you with the messed up credit worthiness, regardless if civil or criminal charges were levied.


No.  You don't need to pay the IRS before such a transfer – though you'll need to fill out certain paperwork to report the money transfer to authorities if it exceeds a threshold amount.  If the money is income, you'll need to declare it on your income tax return and then pay the taxes due.  If it is a gift, other rules apply and tax may be due.  Do proper due diligence and consult with a trusted tax professional. However:   Please see the comments above – this sounds like a potential scam.


The government would never do something like this.  What the government needs to do is start creating incentives for factories to produce simple drugs like potassium fucking chloride so it doesn't go on back order again. Companies don't want to make this stuff anymore because there's no profit in it. At one point my hospital was even at risk of not having enough methotrexate for two children to receive their therapy until one of the parents took it to the media.  http://www.fda.gov/Drugs/DrugSafety/DrugShortages/ucm050792.htm  There's the ridiculously long list of drugs on shortage/backorder.


"That's the key to modern finance: removing undesirable conditions until the model outcome supports the desired policy or sales pitch.  We're safe because our model says so, and if it doesn't, change the model until it does.  Anything that negatively affects the outcome is an ""anomaly"" - that anomalies are unavoidable, and will recur, is just an inconvenience better left out."


First, I must say I am a Ramsey fan. Here's the thing, the borrower is slave to the lender, so if you eat Thanksgiving dinner with your generous relative next week, the food will taste different.  Before I was a Dave fan, I borrowed money from my cousin once, and that debt was always hanging over my head.  At times, it made hanging out awkward since I had money to 'go out' but not money to 'pay back.'  It felt great once I paid him off, but the awkwardness was never cool. I'm sure some will disagree (Dave wouldn't), but if you TEMPORARILY stop your 8% contribution, and combine that with your current margin, you could pay off the debt from your cash flow and complete your emergency fund.  Since you said that $11k is 1.5 month's expenses, you would essentially need to double that for a three-month fund or quadruple it for a six month fund.  I know $300 may not seem like a lot, but since I value family over money, I would pay that off today out of the $11k and then replenish and fill the emergency fund.   Also, your expenses will have dropped by $300/mo., so it will take less money to get to three or six month's expenses.  Once that's complete, get your full 8% contribution. FYI: I consider margin to be the difference between your income and your outgo.


Context is key here. Futures don't really have to do with a time in the future in this context.  Futures are a capital market (futures market), just like Stocks are a market (stock market). Both capital markets have the ability to affect each other. Up until 30 years ago there was a separate use for the futures market, but in the days since they are MOSTLY used for stock derivatives (financial futures are the most widely traded contracts since 1980, hugely eclipsing the commodity futures that the market was designed for.)  So there is overlap and one affect the other, I'm not going to go into too much detail here but basically the futures market trades 24 hours a day, 6.5 days of the week and the  stock market trades 8-12 hours a day, 5 days a week.  So when the stock market closes, the futures market is still running will react and effect the broad stock market.  Hope that gets you started in your research


Contacting a limo hire company is easy and hiring a car for personal use is also very easy. But it is seen in a majority of cases that those using these vehicles have no idea of what not do while using them. As a result, they fail to get the maximum benefit of the vehicle or the money.


If it's real, it's illegal. She needs someone to be a middle man who transfers money and doesn't ask questions. The list of possible reasons should be plenty obvious and range anywhere from fraud to terrorism.  There are thousands of ways to get already transferred money back from your account. If the source of the money is some kind of fraud that's only detected 2 years later, someone will ask you for the money back in 2 years. If real people who operate within legal and moral boundaries want to pay someone, they do not ask someone on Facebook to do it for them.


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From your updated information, it seems like you are not eligible to deduct a Traditional IRA contribution, at your income since you are covered by a 401(k) at work. Therefore, contributing to a Roth IRA is the only real option in terms of IRAs. However, if you want to have some pre-tax contributions, you can change some or all of your Roth 401(k) to Traditional 401(k).


Not generally in my experience.  It is no more difficult than giving up all the extras us Americans feel like we are entitled to.  Just giving some of that shit up, internet, computers, cable/satellite/cellphones, can save an average person hundreds a month.  Don't take long to get to 5k doing THAT.  They choose to be unable to afford it, not that they aren't *actually capable of it* - there are outliers of course but not as many as the average of the bell curve.


hledger is a free software, cross-platform double-entry accounting tool I've been working on for a while. It has command-line and web-based interfaces to your local data, and some other interesting features. There's also ledger (http://wiki.github.com/jwiegley/ledger/) which is command-line only. These are.. different, but worth a look for some folks.


Quite honestly, with the current interest rates, you're better off getting a loan, putting the cash into some top performing equity funds and paying down on the loan. If for some reason you're in need of the capital, the stocks are going to be much more liquid.  Being debt free is a good thing, but there is also a right way to leverage yourself. At the end of the day though, and despite what anyone on this site tells you, you need to run the numbers, make the long term projections to determine what's the best route to take.


"I agree -- personally, at the expense of some of the convenience you speak of, I use credit unions exclusively. However, my credit union more than makes up for that with   1) online check deposit (only thing you ever need to go to a bank for) 2) ATM fee reimbursement  With those two amenities, I don't need a branch on every corner. I am pretty disappointed with BofA's practices (profiting off of those who are ""less responsible"" -- to me it's wrong to profit off of people's 'stupidity'), so I would never bank with them. It's just a personal preference because 1) I don't need them and 2) I wouldn't want to indirectly support their business. I can understand why people stick with them, and frankly don't really care, to be honest... I just think they're a fundamentally bad company through and through and would rather keep my money away from them."


backups. fucking backups. from day one of our software project i was warning about backups. four years later, no vendor support, no tested backup and going live with the system. year after that (off the legacy system) the thing goes kaput. good thing I had left before then.   fucking amateurs.


Whether or not Uber/Lyft are taxi services only matters to determine if they need to follow taxi regulations, which are meant to protect customers. From looking at Uber and Lyft's performance, however, they provide better service at a better price than taxis, so what are those regulations actually protecting us from?   This isn't about these guys trying to get around the law anymore, the business model has been shown to be highly effective, and the laws need to be changed to allow for this new model that benefits consumers more than what we had before. The hurdle now is that the taxi companies have an interest in keeping the barrier to entry high to prevent competition, and that means preventing Uber and Lyft from getting around those barriers.


Agreed.  The number of capable people who are either unemployed and/or willing to work for less in the world is a few multiples of the entire USA population.    The USA really doesn't need more workers because they cannot compete with the rest of the world.  Unfettered world wide trade might be good for the world, but it is not so good for the bottom 50%-30% of the USA.    Something about concentrated costs and diffuse benefits.


Discrepancies between what the book value is reported as and what they'd fetch if sold on the open market. Legal disputes in court.


Not exactly.  My sewing needle example had nothing to do with population growth.  Population growth offsets nothing.  Unemployment percentages would go up as populations grow if there was a net loss in jobs.  Instead unemployment goes up and down just like it always has.    How did population growth offset farmers using tractors to get you more food?  Africa also has seen explosive population growth without using nearly as many tractors as we use, how are they doing?  The fact of the matter is, more things are being produced.  This means more people are buying more things.  Not that there are more people being born buying more things, but people have greater buying power because as more things hit the market their price goes down.  What income class would you have to be in to buy a computer in 1985 compared to now?  What was the capability of producing a computer between 1985 and now?  Automation simply means- This is one area we no longer have to focus on, now we can focus on other areas.   Also where are you getting that we are approaching unsustainable levels of population growth???  Please look up Atlanta vs Barcelona year 2000.  Look at the difference in population per hectare.  How can you say we are quickly approaching that point?


Yeah.   They actually have said that their new strategy is not to make money from breakage (people who pay but don't use it). I believe they also guaranteed the $10 deal for a year, but I'm not at all certain so don't quote me on that :)   Instead, they want to make money from the data and, eventually, convince movie theaters to cut them in on sales and/or give them discounts on tickets... both of which depend on people actually using MoviePass.   I think those are really silly plans. The movie data is highly unlikely to cover the costs of the tickets that MoviePass has to buy.   Movie theaters, like studios, are stubborn bastards who have a history of sticking to their guns and refusing to budge even an inch when it comes to certain terms - they also have recently demonstrated a preference for building out their own direct-to-consumer offerings rather than cooperating with third party offerings.   I don't see them getting a ton more traffic from MP customers and more concession sales, and then deciding to give up any of their highly-prized concession sales - considering that most heavy theater-goers likely have a primary theater that they go to, it would probably make more sense for theaters to simply market their own offering to them in-theater and wait for MP to run out of money.   Finally, AMC is the biggest chain and actively wants this $10/month subscription to fail. AMC has announced that it absolutely will not give MP any deals on ticket prices (something that MP is counting on to make this sustainable). Maybe MP is counting on AMC to eventually change its mind, but I don't think that's a smart bet.   OTOH, what the hell do I know? I've been wrong plenty of times before :)


I started to work out, step by step, why this doesn't work, but the scenario is too convoluted to make that helpful.  Basically, you're making mistakes in some or all of the following spots:


A buy out is agreed by shareholders. Plus most countries have regulation protecting minority interest. Depending on the terms of buy out, you may get equivalent shares of buyer company or cash or both.


Try the Envelope Budgeting System. It is a pretty good system for managing your discretionary outflows. Also, be sure to pay yourself first. That means treat savings like an expense (mortgage, utilities, etc.) not an account you put money in when you have some left over. The problem is you NEVER seem to have anything leftover because most people's lifestyle adjusts to fit their income. The best way to do this is have the money automatically drafted each month without any action required on your part. An employer sponsored 401K is a great way to do this.


"I'm sorry, but if one of your goals is to ""get the small house together at the manor"", you're already a huge success by almost the entire world's standards.  I don't care if [this](https://gregzavitz.files.wordpress.com/2011/10/1103-linden.jpg) is the ""manor"" and [this](https://www.theposhshedcompany.co.uk/uploads/products/listings/De_Lange_210317_2_-_Copy.jpg) is the ""small house"", you're still beating out A LOT of people on the ladder of success."


Because the people creating the bubbles and making money on the bubbles are also major political campaign contributors. The home price rebound deserves an asterisk, btw - mansions are selling like hotcakes, middleclass homes not so much. Non-mansion home prices were rising for awhile because funds like Blackrock were buying them to rent while securitizing the rental income stream, but between management headaches (property management would be like, actually doing something constructive, which hedge funds don't do) and the shaky finances of a great proportion of renters, this gambit isn't working so well.


Like others have already said, it may cause an immediate dip due to a large and sudden move in shares for that particular stock. However, if there is nothing else affecting the company's financials and investors perceive no other risks, it will probably bounce back a bit, but not back to the full value before the shares were issued. Why? Whenever a company issues more stock, the new shares dilute the value of the current shares outstanding, simply because there are now more shares of that stock trading on the market; the Earnings Per Share (EPS) Ratio will drop since the same profit and company value has to be spread across more shares. Example:  If a company is valued at $100 dollars and they have 25 shares outstanding, then the EPS ratio equates to $4 per share (100/25 = 4).  If the company then issues more shares (stock to employees who sell or keep them), let's say 25 more shares, then shares outstanding increase to 50, but the company's value still remains at $100 dollars. EPS now equates to $2 per share (100/50 = 2). Now, sometimes when shareholders (especially employees...and especially employees who just received them) suddenly all sell their shares, this causes a micro-panic in the market because investors believe the employees know something bad about the company that they don't. Other common shareholders then want to dump their holdings for fear of impending collapse in the company. This could cause the share price to dip a bit below the new diluted value, but again if no real, immediate risks exist, the price should go back up to the new, diluted value. Example 2: If EPS was at $4 before issuing more stock, and then dropped to $2 after issuing new stock, the micro-panic may cause the EPS to drop below $2 and then soon rebound back to $2 or more when investors realize no actual risk exists. After the dilution phase plays out, the EPS could actually even go above the pre-issuing value of $4 because investors may believe that since more stock was issued due to good profits, more profits may ensue. Hope that helps!


"BTW -- you realize I'm the author, right?  And that I've launched not 1, but 2 successful web apps, right?  Just checking.  My whole point is this: ""From the investment aspect, roughly 1 in 10 companies that receive investments do not fail"" -- is that a cause or an effect? Why do so many ventures fail? They are allegedly started by smart, capable people and funded by people with ""experience."""


You'll have to take cash from your Credit Card account and use that to trade. I doubt any brokerage house will take credit cards as it's trading without any collateral (since credit cards are an unsecured credit)


The only time it makes sense to take out a loan is: The drawbacks of these 2 points are: Otherwise it's better to pay for the car up front.  You have not mentioned whether you need the car to earn income.  A car will incur other costs such as insurance and maintenance.