"You may want, or at least be thinking of, the annualized method described in Pub 505 http://www.irs.gov/publications/p505/ch02.html#en_US_2015_publink1000194669 (also downloadable in PDF) and referred to in Why are estimated taxes due ""early"" for the 2nd and 3rd quarters only? . This doesn't prorate your payments as such; instead you use your income and deductions etc for each of the 3,2,3,4-month ""quarters"" to compute a prorated tax for the partial year, and pay the excess over the amount already paid. If your income etc amounts are (nearly) the same each month, then this computation will result in payments that are 3,2,3,4/12ths of 90% of your whole-year tax, but not if your amounts vary over the year. If you do use this method (and benefit from it) you MUST file form 2210 schedule AI with your return next filing season to demonstrate that your quarterly computations, and payments, met the requirements. You need to keep good per-period (or per-month) records of all tax-relevant amounts, and don't even try to do this form by hand, it'll drive you nuts; use software or a professional preparer (who also uses software), but I'd expect someone in your situation probably needs to do one of those anyway. But partnership puts a wrinkle on this. As a partner, your taxable income and expense is not necessarily the cash you receive or pay; it is your allocated share of the partnership's income and expenses, whether or not they are distributed to you. A partnership to operate a business (like lawyers, as opposed to an investment partnership) probably distributes the allocated amounts, at least approximately, rather than holding them in the partnership; I expect this is your year-end draw (technically a draw can be any allowed amount, not necessarily the allocated amount). In other words, your husband does earn this money during the year, he just receives it at the end. If the year-end distribution (or allocation if different) is significant (say more than 5% of your total income) and the partnership is not tracking and reporting these amounts (promptly!) for the IRS quarters -- and I suspect that's what they were telling you ""affects other partners"" -- you won't have the data to correctly compute your ""quarterly"" taxes, and may thus subject yourself to penalty for not timely paying enough. If the amount is reasonably predictable you can probably get away with using a conservative (high-side) guess to compute your payments, and then divide the actual full-year amounts on your K-1 over 12 months for 2210-AI; this won't be exactly correct, but unless the partnership business is highly seasonal or volatile it will be close enough the IRS won't waste its time on you. PS- the ""quarters"" are much closer to 13,9,13,17 weeks. But it's months that matter."


On the flip side of that, those employees that you are so passionate about protecting will now be out of a job because no one will go to the restaurant. Isn't that the end game of a campaign such as yours?  Which is better, a low paying shitty job or no job at all? This is the financial reality we are in.  And please don't take this as me advocating their practices-- I disagree strongly with them, however there are two sides to the coin here.


Given that the laws on consumer liability for unauthorized transactions mean no cost in most cases, the CVV is there to protect the merchant.  Typically a merchant will receive a lower cost from their bank to process the transaction with the CVV code versus without. As far as the Netflix case goes, (or any other recurring billing for that matter) they wouldn't care as much about it because Visa/MC/Amex regulations prohibit storage of the CVV.  So if they collect it then it's only used for the first transaction and renewals just use the rest of the card info (name, expiration date, address). Does the presence of CVV indicate the merchant has better security?  Maybe, maybe not.  It probably means they care about their costs and want to pay the bank as little as possible to process the transaction.


"The problem was they had crazy incentives like ""make 2x your average on Tuesdays before noon"" that would never be possible for anyone to do without creating fake accounts. Everyone in the company knew this was happening. Most employees would try to open accounts for family members with permission but others just used randoms"


"Except the notion of a social contract is *always* used and intended to be used as a notion of agreement. And if it isn't based upon agreement then you have no basis under which to claim an obligation.  People don't owe anything to a collective that they do not wish to join, and the underlying problem is that there is no agreement. I'm not suggesting ""running a country"" at all. There need not be any such collective."


I'm not sure where people keep getting this idea, but I see it come up a lot. Anyway, you pay capital gains taxes when you sell an investment that has appreciated. It makes no difference when/if you reinvest the money or what you invest it in. If you are afraid of the tax burden you can minimize it by: 1) Selling a stock that you have held longer than a year to get the lower long-term rate. 2) Sell a stock that hasn't appreciated that much and therefore doesn't have a lot of gains to tax. 3) Sell a stock that's below purchase price (i.e. at a loss) to offset any short term gains.


Location is really what's going for me I believe.  The neighboring city doesn't have any hotels or motel but the town I live in have about 6 motels and hotels combined but all family owned. The location that I feel would be perfect for a chain hotel because it'd bring comfort to people who have never been to the area before and it's located downtown on a snowmobile trail and atv access.


"For the financial year 1 April 2014 to 31 March 2015, as you have [or will be] spent more than 182 days outside India, you would be treated as ""Non-Resident"" [NRI] for tax purposes.  If you are NRI  Show my Kuwaiti Income in my Income Tax Return?   Pay any tax on the money that I am sending to savings bank accounts in India You need not Pay Tax on your income outside India. i.e. there is no tax obligation created. It cannot be declared in Tax Returns. However any interest you earn on the money deposited in India would be subject to taxes. Will my wife have to show the income and/or pay the income tax on the money that I am sending to her savings bank accounts? There is no Income to you wife [Income is something you earn] and hence its out of scope from Income Tax act. It would fall under gift tax rules. As per Gift Tax one can transfer unlimited funds between close relatives. Hence there is No tax. It would be better if you open an NRO/NRE account and transfer funds into that account"


PEG is Price to Earnings Growth.  I've forgotten how it's calculated, I just remember that a PEG ratio of 1-2 is attractive by Graham & Dodd standards.


I'm a native English speaker and managed a team of Hungarian developers. Ranged from 15 people to 22 at our biggest, I think. I was not quite fluent in Hungarian at the time, and I found it was actually much easier than you would expect to manage the team.  The majority of them had at least a little bit of familiarity with English, but only one or two were fluent.  So, for the most part, the team liked to help me find the right words/phrasing for what I was trying to say. It became a collaborative effort, rather than me telling them what to do.  Plus, the unintended hilarity of saying entirely the wrong thing always broke the tension.  Being not fully fluent also required us all to keep our communications and thoughts rather basic. So we couldn't get mired in jargon, or go off into the weeds on some bit of esoteric nonsense. We kept it simple.  And if something complex needed to be expressed, then I could talk in detail with one or two of the guys that spoke English well, and they could translate for the rest of the team.


"First add the inflation, then minus your expenses for the year. If you are better than that, you have done ""good"".  For example: -  1.)You have $10,000 in 2014. 2.) You need $1,000 for your expenses in 2014, so you are left with $9000. 3.) Assuming the inflation rate is at 3 percent, the $10,000 that you initially had is worth $10,300 in 2015. 4.) Now, if you can get anything over 10,300 with the $9,000 that you have you are in a better position than you were last year i.e(10300-9000)/9000 - i.e 14.44%. So anything over 14.44 percent is good. Depending on where you live, living costs and inflation may vary, so please do the calculation accordingly since this is just an example. Cheers"


"if it opens below my limit order  What exactly are you trying to achieve here? If your limit order is for 100 and the stock opens ""below"" your limit order, say 99, then it is obviously going to buy it automatically.  also place a stop loss on the same order  Most brokers allow limit + stop loss order at the same time on same order.  What I conclude from your question is that you're with a broker that is using obscure technology. Get a better broker or maybe, retry phrasing your question correctly."


> Show me proof that Microsoft's starting salaries are over $100k. The last figure I saw was $86k.  That figure must be several years old - $86k base pay sounds about the range they were paying in 2006 or so. About a year ago Microsoft handed out massive across-the-board pay raises to everyone to bring their salaries in line with those offered by Apple and Google. But obviously like all companies they keep the exact figures hidden from public.  About two years ago I knew some college graduates going to work for Microsoft, and they were already in the $90k range even before the sweeping pay raises which happened mid last year.  And this is all of course all referring to base pay and doesn't count bonuses. Because of the way Microsoft's review process works, almost everyone receives a bonus at the end of the year. 90% of engineers at MS will receive as a bonus 10-20% of their annual salary in cash, and an additional 10-20% of their annual salary in stock.  Now people don't usually count those when comparing base pay, but if you want to look at total compensation it's *easily* past six figures even if you assume a really low base pay like $86k.


"And at this point the term becomes relative, rather than absolute.  You are only able to ""claim"" territory you are able to defend, for there is no large, objective body that guarantees your ownership of this territory.  If you are unable to defend your territory, you lose it. You will either be killed or driven out, and now YOU are the ""trespasser"" should you return.  You envision a dystopia. Good luck."


"Declaring bankruptcy is not ""stealing"", as you forfeit the property once you repudiate the debt.  The article correctly states that consumers should exercise the same rights as mega corporations to walk away from bad deals, and not feel bad about it.  I agree strongly with the article."


R/stockmarket is probably the best.  When I have some free time I can test that strategy back as long as you would like in quantstrat, although the only problem with testing futures is joining the consolidated contracts, however I can test it with SPY as SPY returns and ES_F track very closely.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/talkbusiness] [My business Partner](https://np.reddit.com/r/talkbusiness/comments/784k4w/my_business_partner/)  [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*  [](#bot)


"... until they collapse too!!!  This is ""Luft Gesheft"": German/Yiddish for ""making money out of thin air"".  Money should be made by making things and building things - adding value to something.   Apple Computers is one example - they make real money."


"This can be done, and there have been many good suggestions on things to do and watch out for.  But to my shock I don't see anyone offering any words of caution about property managers! Whatever you do, don't assume they have your best interests at heart.  Do not assume that ""no news is good news"" and that if you aren't hearing of problems and are just collecting rent checks, everything must be fine. You can easily end up with tenants you would never have allowed yourself, or tenants with pets that you would not have allowed, etc.  Especially if the manager doesn't want you to have a vacancy and potentially lose you as a client, they may very well lower their standards just to get the place occupied.  And a year or two or three later, you may find yourself looking at a very large repair bill and wonder how on earth it could have happened when you supposedly had someone looking out for your property! There are quality, ethical property managers out there.  They are not all bad to be certain.  But whatever you do, check up on them.  And with multiple properties - especially if in multiple areas/states etc. - this can be nearly a full time job in itself.  As the saying goes, ""Trust, but verify"".  I have never found this to apply more than with rental properties and property management. Don't leave anything significant to them 100%.  You can't even assume that a rule like ""all expenses over $50 must be cleared by me first"", as that can simply mean that they don't bother to come to you for certain kinds of repairs that would cost more than that, or that they just get them ""taken care of"" by their own person (done poorly, illegally, etc.) and never tell you.  Never trust their choice of tenants blindly.  Visit the place yourself at least every few months - a quick driveby at a minimum or better if you can, arrange a reason to walk through the house personally.  Check the back yard, never assume that the front yard is indicative of anything else.  Never assume that a ""no pets"" rule will be followed, or that tenants wouldn't lie to the management about having pets.  Never assume that the tenants won't move additional people into the property as well. Always expect a bare minimum of 1 month vacancy every year, and an additional minimum of 1 month's rental revenue in unexpected maintenance/repairs every year.  This is at a minimum!  You might do much better than this, and have a high quality tenant in place for years who costs next to nothing in extra maintenance.  But do not count on it. Rental real estate investing looks so simple on paper, where it's just numbers.  But reality has a very rude habit of surprising you when you least expect it. After all, no one expects the Spanish Inquisition! Good luck!"


If you are looking at domestic transfers, all Banks hold accounts with the Central Bank [Reserve Bank] , in US the Central Bank is called Federal Reserve. The money from account of Bank of America held with Fed is debited and the account of Citi held with Fed is credited.


The problem is that the reason you find out may be that you are at the car dealer, picked out a car, and getting ready to sign the loan papers with your supposedly good credit, and you are denied for late payment on loans you didn't know you have.  Or debt collectors  start hounding you.  Or you credit card interest rates go up.  Or you are charged more for your insurance because you are seen as a bad credit risk.  Or you can't rent an apartment.  The list is almost endless. It can takes many months and hours spent on the phone to fix these things.


Good people cost good money.  There are engineers in India that are AMAZING.  Guess what?  They are just as expensive as amazing engineers in the US.  When you hire cheap employees you get cheap work. Doesn't matter where it is.  It doesn't matter though, senior management just plays the game.  Cut costs, bump up the stock, collect your bonus, find a new job where you can tell them all about how much money you saved your last company and repeat the cycle there.  Meanwhile 2-5 years later all of these companies start [suffering huge problems ](http://www.cnbc.com/2017/05/27/british-airways-says-computer-outage-causing-global-delays.html) because their IT has gone to shit.


Their reasoning is probably that by eliminating the option for company stock, employees now are exposed to less risk. That is, if the company goes bk, they're only exposed to the company through their paycheck and not their paycheck plus retirement savings.   In reality, it's probably a classic case of buy high and sell low. That is, your plan admin (HR or legal, probably) thinks that since the price went down, they should sell.


This entirely depends on two factors: Now let's look at what AppleCare gives you: What it covers is any manufacturing defect. It also covers you for phone support, as otherwise it's a $49-per-incident charge even for simple issues. It also covers any software issues that you may come across as long as the issues pertain to Apple software or the operating system itself. What it doesn't cover is any damage caused by the user. If you snap the corner of the screen, drop it, spill liquid on it, modify it, etc... then you're responsible for paying the repair costs. If you're outside of phone support, then you're going to have to pay someone to fix any problems you come across. Now if we're to trust this handy study done in 2009, then we can say that the 3-year failure rate for Macbooks and Macbook Pros is 17.4%. We could go ahead and say that $350 / $2000 = 17.5% so the chances match up, but what's the likelihood that Apple is going to cover the full $2000? Only under extreme cases are you losing the full $2000 (theft, shock damage, etc...), and those are all cases that Apple won't cover anyways. Instead we're looking at cases such as (Please keep in mind it has been several years since I worked for Apple, so these figures may be off): So this reduces our possible savings significantly. Let's then also look at what the warranty becomes after they fixed a part: A replacement part or Apple Product, including a user-installable part that has been installed in accordance with instructions provided by Apple, assumes the remaining term of the Warranty or ninety (90) days from the date of replacement or repair, whichever provides longer coverage for you. Which means in this case that you have a 90-day warranty after they've fixed an issue. This significantly reduces the likelihood of a same part going bad multiple times in a row. Therefore the chances of that $350 being worthwhile are very much against you. Even if the system does fail in some way, it is likely that the repair would be cheaper than the AppleCare. The chances of running into a repair or series of repairs that pays for the AppleCare and then some are astonishingly low. I would still get it if you were giving it to someone who was significantly lacking in any technology concepts (such as a parent or grandparent) as they are more likely to utilize the extended phone support, especially for smaller things that they might nag you about!


One way to reduce the monthly payment due each month is to do everything to eliminate one of the loans. Make the minimum payment to the others, but put everything into eliminating one of the loans. Of course this assumes that you have separate loans for each year of school.  Make sure that in trying to get aggressive on the loan repayment that you don't neglect the saving for a down payment. Each dollar you can put down will save you money on the mortgage. It might also allow you to reduce the mortgage insurance payments. If you pay one student loan back aggressively but can't eliminate it you might be worse off because you spent your savings but it didn't help you qualify for the mortgage. One way to maximize the impact is to not make the extra payments until you are ready to apply for the mortgage. Ask the lender if you qualify with all the student loans, or if you need to eliminate one. If you don't need to eliminate a loan, then apply the extra funds to a larger down payment or pay points to reduce the interest rate.


"I'm guessing the part where they used a substance he uses and nothing else. Weed is fun but stoner ""culture"" represents the absolute dregs of humanity.  If you don't believe me, search for ""rips and Tecate"" on YouTube and try not to commit suicide."


Well technically the Bank in Europe does not care about the Beneficiary Account Number [i.e. your Account number in Canada]. Use the format that is most commonly used in Canada. Generally if you quote with Bank/Branch identifiers it would be better.


Why pick one - blame both.  The government and politicians have done a bad job of regulating the industry, and have effectively taken bribes to allow this - so vote appropriately and let them know why.  Comcast is a shitty company that doesn't care about its customers - so you should vote with your wallet and avoid them.  Neither is innocent.


"Yes yes, beholden to the shareholders at all possible costs of morals, ethics, or long-term sustainability. The wonders of the stock market.  Nonetheless, it's not entirely true. He has a responsibility to do what the shareholders want, which might not be ""profit above all."" Furthermore, since he is the biggest shareholder, he has the largest single say in what the shareholders want. In fact he and the Legg Mason company own just under 50%, so they pretty much get to decide between them what to do.  Now add to that the fact that being a patent troll isn't necessarily a profitable strategy, nor a particularly palatable behaviour, and it's pretty easy to say ""we will not go down this road,"" and get wholehearted approval.  FINALLY, it doesn't change the fact that Bezos is still a fucking hypocrite."


Hi there. I think China is recommended for premanufactured products given their GDP output. The specific products may exist in the US too. The key is networking. Starting online retail, you are essentially ecommerce and or sales. There may be people seeking sales reps for their products.   You should have a specific business plan targetting the niche you plan to sell and cater to. Thomasnet has US manufacturers. You may have to get clever and work out deals selling manufactured goods but with work it can be done. I personally have seen way too many issues result of dealing with imports and know of many rookie mistakes in business where people have gone this route due to price.  Sources: MBA, marketing apprentice for multi millionaire, business apprentice working with manufacturing operations director with civil and military experience; former freelance design, project management and product manufacturing experience.


"Look, I agree that there needs to be some safeguards in place for consumers. No question about it.  But if we say, ""Hey, they need to follow the same rules as taxis!"", then we'll just end up with no Uber or Lyft and the same broken system we have now.  Uber and Lyft provide a service that consumers obviously love and value. Taxis would be wise to find ways to improve their service AND try to relax regulations that would allow their industry to thrive, as well.  I'm confident they can co-exist, but it's absurd to want to maintain the status quo just because taxis don't like the shifting marketplace. Lower, flexible fares, easy ordering, easy transactions and cleaner cars aren't that difficult to achieve.  And the cost of medallions has got to go. It's an absurd barrier to entry that serves no purpose whatsoever."


I work next door to their office in Little Rock and you're right, that's not a lot of profit on the sales they make.  Acxiom is notorious in Arkansas for going on layoff binges every couple of years where at least 1/4  to 1/3 of their workforce is let go.  It has a lot to do with their razor thin margins.  That said, my company is currently using some of their data for market analysis and it's pretty good stuff.


Drug abuse is accepted reliable manuscripts base on mental health, neurological and substance abuse problems and service systems. We provide the best Drug addiction program in the United States.The indication of substance abuse is the addiction or dependence that has continued in spite of facing the side impacts or negative outcomes because of the utilization of that substance. There are experts who give treatment to substance utilize clutters.


They have fought renewable clean energy since the 1970s. I'm 52.  I remember it. The very first thing Reagan did was take he solar panels off the White House that Jimmy Carter installed. We lost 20 years of development under Reagan and both Bushes.


Silvrback is the best blogging platform for programmers. With a minimalistic design and jargon-free platform, Silvrback offers programmers a space where they can work without distractions. The platform offers efficiency, security and freedom to create content that you want. Our platform is designed for a wide range of programmers and provides a simple but highly effective solution for less.


"IMO, what it seems like you've done is nothing more than having screened out a company worth further investigation. The next step would be a thorough analysis of the company's past financials and current statements to arrive at your own opinion / forecast of the immediate and far future of the company's prospects.  Typically, this is done by looking at the company's regulatory filings, and maybe some additional searching on comparison businesses.  There are many sources of instruction for how one might ""value"" or ""analyze"" a company, or that provide help on ""reading a balance sheet"".  (This is not an easy skill to learn, but it is one that will prove invaluable over a lifetime of investing.) It is possible that you'll uncover a deteriorating business where the latest selling, and subsequent drop in price that caused the high yield, is well-deserved.  In which case, you know to stay away and move on to the next idea. On the other hand, you might end up confident that the company is not suffering from a drop in sales, rise in expenses, growing debt payments, loss of ""moat"", etc.  In which case, you've found a great investment candidate.  I say candidate because you still may decide this company isn't for you, even if the financials are right, because you might find better opportunities for an equal, or acceptable, return at lower risk while you're researching. As to the yield being high when there are no problems with the fundamentals of the business, this may simply be because of panic selling during this past few week's downturn, or some other sort of temporary and superficial scare.  However, be warned that the masses can remain irrational, and thus the price stay suppressed or even drop further, for longer than you're willing to wait for your ROI.  The good news is that in that case, you're being well compensated to wait at a 11+% yield!"


As always with investments, it depends on your risk adversity. I don't want to repeat the content of hundreds of recommendations here, so just the nutshell: (For qualified investments,) the more risk you are willing to take, the more returns you'll get. The upper end is the mutual funds and share market, where you have long-term expectations of 8 - 10 % (and corresponding risks of maybe +/- 50% per year), the lower end is a CD, where you can expect little to no interest, corresponding to little to no risk. Investing in shares/funds is not 'better' than investing in CDs, it is different. Not everybody likes financial roller-coasters, and some people mainly consider the high risk, which gives them sleepless nights; while others just consider the expected high long-term gains as all that counts. Find out what your personal risk adversity is, and then pick accordingly.


This ETFchannel.com page shows which ETFs hold Wells Fargo and you can search other stocks the get the same information on that site. This the same information for Google This even tells you what percentage of an ETF is a particular stock.  Be warned that this site is not entirely free. You will be limited to 6 pages in 6 hours unless you pay for a subscription. Additionally ETFdb.com offers a similar tool.


"LED Candles unique MCOB LED Design, Low thermal resistance allows more light output at the same current fewer LEDs achieve the same level of light intensity,LEDs run cooler and longer. Mounted in full view in chandeliers, wall scones LED Candles or modern luminaires LED Candles, the clear or frosted glass candles fit all existing fixtures with an E14 socket. [url=""http://www.ledaladdin.com/led_candles/led_candles.html""] led candles [/url]"


I deliver for Caviar. They've treated me well and allowed me to work as much as I'd like. It's a hard job but at least I have a job. I think it was smart to sell. Our economy is going to r/collapse soon anyway.


"Who are ""they"" who should be ""respectful""?   The liberal professors, or the students?  And if the students are ""respectful"", does that means that can stand up to their opinions? Are they going to pass the classes if they express or write their true opinions (i.e. being not ""respectful"")?"


"The 3-letter tickers are from a different era.... Nowadays the usage of tickers is more of a ""legacy"" tradition rather than a current necessity. As such they're no longer limited to 3 characters. And the characters don't have to be related to the actual name. For example a company named Alphabet is trading on NASDAQ under the ticker ""GOOGL"". It has 5 characters, not 3, and (almost) none of them appear in the name of the company (used to, but not anymore)."


Are you talking about printing up more of the same kind of bill, or printing up a different kind of bill?  You'll have different answers based on which one you mean. If it's a different kind of bill: Governments don't like competition in this matter. In US history there are examples of the government shutting alternative currencies down.  A recent run at an alternative currency is the Liberty Dollar.  The similarity is not lost on BitCoin or even Chuck E. Cheese (last one is a satire, but I did worry for a second as I still have a bunch of those tokens!). If it's the same kind of bill: The currency is a tool of the government (in the US) and it does the sourcing for its production.  There isn't a whole lot of reason for others to get involved, really.  It's special paper, special plates, special presses, special everything, and doing it in one place ensures some consistency of product.  There aren't any compelling reason to open up another manufacturing channel to produce exactly the same product. There's no real economic benefit for banks to print their own money.  The larger ones play a key role in shaping how much is printed, but actually printing the bills is an offshoot of this.


I don't think that the trading volume would impact a broker's ability to find shares to short.  You might think that a lot more people are trying to short a stock during regular trading hours than in the pre-market, and that's probably true.  But what's also true is that a lot more people are covering their shorts during regular trading hours than in the pre-market.  For stocks that have difficulty in finding shares to short, any time someone covers a short is an opportunity for you to enter a short. If you want to short a stock and your broker is rejecting your order because they can't find shares to short, then I would recommend that you continue placing that order throughout the day.  You might get lucky and submit one of those orders right after someone else has covered their short and before anyone else can enter a short.  I have had success doing this in the past.


">I'm begging you, please find me a source on this one I'd love to see their thorough investigation.  Sessions has literally said, ""I thought those KKK guys were fine until I found out they smoked pot.""   You can also see it in his prioritization of drug enforcement policies which have known outcomes disproportionately affecting POC but I bet this argument isnt direct enough to meet your standards. Simultaneously I predict you will say his KKK statements don't mean anything, making any argument with you futile. But we have to try right?  [Heres a look from the anti defamation league that shows bannons direct ties to supporting white supremacy in the media.](https://www.adl.org/education/resources/backgrounders/stephen-bannon-five-things-to-know)  Either youre ignorant or fanatical, in either case you are fitting in the position of mindless consumer. Pay more attention."


am I allowed to transfer into NRE account from paypal? Credits into NRE accounts are restricted. It has to be established that the funds being credited are income outside of India. In case of paypal, paypal uses local clearing to credit funds into Bank Accounts. So essentially one cannot credit NRE account by domestic clearing network like NEFT. It is best that you withdraw the funds into Bank Account outside India and use SWIFT or remittance service to credit your NRE account. I do not want to transfer to an NRO account since the money credited into it will become taxable. This is not the right assumption. Credits into NRO are not taxable by default; if you establish that the funds are from outside India, there is no tax on the income money transferred from abroad into the NRO account. However, the interest that will be paid by the bank on the balance of the NRO account is taxable income in India and is subject to TDS. In contrast, interest paid on the balance in an NRE account is not taxable in India and is not subject to TDS as long as you maintain NRI status. However it does make sense to keep accounts segregated, i.e. income generated in India, credit the NRO account and income generated outside India credit to NRE.


Basically for Bitcoin it's value has gone up because people are starting to be more confident that it isn't going to tank overnight. More business are accepting it as payment so it's usefulness is going up. As you said, yes, there are limited amount of it but it has a very unique property: it can be split into very small pieces so the value of 1 BTC doesn't necessarily matter.  Facebook value isn't directly correlated with hope many users it has but those users do help it's value via ads.


The real folly is in believing that somehow 'regulators' are going to be able to prevent crashes, or even if this is desirable.  Usually the idea that regulators can prevent crashes relies on regulators being issued a retroactive time machine.  Crashes.  Happen.   If regulators had more power and more authority prior to 2008, the housing market crash would have been worse and more severe than it actually was, because regulators were like everyone else - they believed house prices would never go down, and were focussing their efforts on regulating  banks to lend *more* money to *riskier* borrowers.


Not really. Transfer pricing determines where and at what level you should have profits and what level is considered arm's length. Profits are going to follow where the functions, risks and intangibles are borne under the current regulatory framework. Inverting allows a company to shift intangibles and risk to another country. You cannot just say I want 100% of my profits in Ireland and get away with it. You need to have economic support for why your profits are what they are in each of your jurisdictions.


There are too many nuances to the question asked to explore fully but here are a few points to keep in mind. If you are a cash-basis taxpayer (most individuals are), then you are not required to pay taxes on the money that has been billed but not received as yet.  If you operate on an accrual basis, then the income accrues to you the day you perform the service and not on the day you bill the client. You can make four equal payments of estimated tax on the due dates, and if these (together with any income tax withholding from wage-paying jobs) are at least 90% of your tax liability for that year, then you owe no penalties for underpayment of tax regardless of how your income varied over the year. If your income does vary considerably over the year (even for people who only have wages but who invest in mutual funds, the income can  vary quite a bit since mutual funds typically declare dividends and capital gains in December), then you can pay different amounts in each quarterly installment of estimated tax. This is called the annualization method (a part of Form 2210 that is best avoided unless you really need to use it).  Your annualized income for the payment due on June 15 is 2.4 = 12/5 times your taxable income through May 31. Thus, on Form 2210, you are allowed to assume that your average monthly taxable income  through May 31 will continue for the rest of the year. You then compute the tax due on that annualized income and you are supposed to have paid at least 45% of that amount by June 15. Similarly for September 15 for which you look at income through August 31, you use a multiplier of 1.5 = 12/8 and need to pay 67.5% of the tax on the annualized income, and so on.  If you miscalculate these numbers and pay too little tax in any installment, then you owe penalties for that quarter.  Most people find that guesstimating the tax due for the entire year and paying it in equal installments is simpler than keeping track of nuances of the annualized method. Even simpler is to pay 100% of last year's tax in four equal installments (110% for high earners) and then no penalty is due at all. If your business is really taking off and your income is going to be substantially higher in one year, then this 100%/110% of last year's tax deal could allow you to postpone a significant chunk of your tax bill till April 15.


Dr. Arnold has put his complete focus into helping other business owners grow their business and as a result Web Profit Maximizer was born. Today Web Profit Maximizer is made up of a team of specialist passionate about helping businesses like yours achieve your goals and maximize your profits.


Sure QNX is a good embedded operating system, but it's hardly the lack of a bulletproof real-time OS that's causing RIM problems right now. They were already known for making pretty reliable phones for basic telephony and messaging. Their problem is that the Blackberry OS interface and third-party application support is shit. QNX doesn't help them with that; in fact, it puts them even further behind.


Central IL here...don't have either of those or In and Out or Whataburger, or White Castle (so sad).  Town has about 120K people.  Lots of McD's, Wendy's, Hardies, and BK (rudest service people).  We just go our first Sonic.  EDIT:  We are the original home of Steak'n'Shake though!!


Actually, government bail outs are in the socialist/communist section.  What it really amounts to is cronyism though, which is the kind of corruption that caused communism to fail.  It's not just america, it's everywhere.  If it were capitalism fueling it, the government should have let the companies fail, since apparently the population doesn't want to support them enough.


Have a look at: Diversify Portfolio. The site provides various tools all focused on correlation, diversification and portfolio construction. You can scan through every stock and ETF listed on the NASDAQ and NYSE to find any kind of correlation you're looking for. You can also create a portfolio and then analyze all the correlations within it, or search for specific stocks that can be added to the portfolio based on correlation and various other factors.


Automated checkout is coming regardless of minimum wage. Once they figure out a cheap low range radio tagging solution, or work out the kinks with RFID, there's no need for cashiers at all.  You have a manager working customer service and stock boys.


> In Economics, people are no longer included in the unemployment rate after 1 year of unemployment  ~~Bullshit.~~  [As long as they have actively looked for work in the past four weeks  (which can include asking friends or family about work), they are part of the labor force.](http://www.bls.gov/cps/cps_htgm.htm#unemployed)  Edit: The post is now correct.  I replied hastily and threw in an editorial comment that was unnecessary.


If something in any transaction in life—financial or otherwise—doesn’t make you feel comfortable and the choice is between saving money with one thing versus another, don’t sell your personal needs short. Pay more elsewhere that treats you the way you expect to be treated. In the long run the $$$ you “save” in a cheaper transaction might cost you more in the headaches and annoyance you have to swallow in dealing with this “bargain” in the future. Your question is this: “Do his sales tactics indicate other underlying problems? How can I deal effectively with those tactics?” And you state this as well: “To make a long story short, the dealer's aggressive sales tactics have made me somewhat uncomfortable.” And finally ask: “How can I deal effectively with those tactics?” Okay, first and foremost if you feel discomfort in anything in life—not just a financial situation—just walk away. You might have to say “No…” when doing this but it’s not always the case you will have to counter aggression with aggression. And specifically in the case of a purchase like this, you need to also ask yourself: “Is this discount being offered me worth the headache I am getting?” At the end of the day money is meaningless and has it’s main worth as an economic motivator/stimulator: Someone has a need and someone else has something that can solve that need. What would it take for the side of need to connect to the side of solution to that need? This is the basic concept surrounding all economics. So that said, I have personally avoided buying things for less money and paid slightly more elsewhere for a service experience that made me feel comfortable. At the end of the day, if you feel happy in the transaction it helps in the long run more than—let’s say—the $20 to $40 you “save” by buying from someone else. Also—on the side of customer service—this person’s sales techniques sound like something out of a very old fashioned sales playbook. Nowadays it’s all about relationships and service: The immediate sale is not as important for competent and reputable businesses because they know a better customer service experience will bring people back. So it doesn’t matter how long this guy has been in business: It could be that he’s been in business a long time just because he has been in business a long time. That said—and in the case of musical instruments—maybe this guy is really good at care and upkeep of instruments but has crappy sales techniques. Keep that in mind as well and just push back on their sales methods. For things like musical instruments, people might be jerks on the sales side but in the maintenance and repair side they are great. Will you need to go to them if/when your instrument needs repair? Or you don’t care? At the end of the day, go with your gut. And if your gut says, “No…” then just go somewhere else and spend your money on an item you like from a place that treats you the way you need.


"From a more technical point of view, a trust is a legal relationship between 3 parties: Trusts can take many forms. People setup trusts to ensure that property is used in a specific way. Owning a home with a spouse is a form of a trust. A pension plan is a trust. Protecting land from development often involves placing it in trust. Wealthy people use trusts for estate planning for a variety of reasons. There's no ""better"" or ""best"" trust on a general level... it all depends on the situation that you are in and the desired outcome that you are looking for."


As Pete B says, something is not adding up. If your story is correct you should still have the legitimate check from your employer. If that is the case, your solution is simple. You    If you do not have the good cheque then you are in deep trouble - because then either you didn't have it (in which case you have been lying to us) or you cashed it and spent the money (which means you knew that you had given the bad cheque to the liquor store). Either of those mean you have been deliberately perpetrating a fraud. As for the consequences - be aware that passing a bad cheque is a crime, and if the store reports it as such, it is not unlikely that the police will want to investigate. If they decide you did this deliberately you could be arrested, and you might well end up in jail.  We will do you the favour of assuming that you still have the good cheque, and option 1 is possible.


The word bespoke means made to order. Bespoke insurance means non-cookie cutter. That mean the thing your are trying to protect, or the risk to that item is not normally covered; so you need a non-standard type of policy. Your neighborhood insurance company doesn't handle a bespoke policy. There are companies that do.  Reinsurance is insurance on insurance. Company X has a risk they want to insure, so they go to insurance company A. After a while insurance company A realizes that they have sold a few of these policies and they have a risk if they guessed wrong. So they take out a policy with insurance company B to protect themselves if more than some percentage of their policies go bad. That policy takes bespoke reinsurance.


In accrual accounting, you account for items on the income statement when the service has been delivered - in this case, the service that your employees are providing your company. Because of this, you incur the expense in the fiscal year that your employees work for you. So, you incur the expense, and net income decreases by (1-t)*wage expense.  Net income decreases, so owners' equity decreases; to balance you credit wages payable. Once the wages are paid, you decrease the liabilities side (wages payable) and offset it with a Cash change on the assets side.


"You would put your earnings (and expenses, don't forget) on Schedule C, and then do a Schedule SE for self-employment tax. http://www.irs.gov/businesses/small/article/0,,id=98846,00.html 1040ES isn't used to compute taxes, it's used to pay taxes. Generally you are supposed to pay taxes as you go, rather than when you file. There are exceptions where you won't be penalized for paying when you file, ""most taxpayers will avoid this penalty if they owe less than $1,000 in tax after subtracting their withholdings and credits, or if they paid at least 90% of the tax for the current year, or 100% of the tax shown on the return for the prior year, whichever is smaller"" from http://www.irs.gov/taxtopics/tc306.html  i.e. there's a safe harbor as long as you pay as much as you owed the year before. If you owe a lot at the end of the year a second time in a row, then you get penalized."


Just to aid your searching, note that what your employer has provided you with access to is a Group Personal Pension . Now, as to the question of whether partial transfers from a GPP to a SIPP are possible - the answer would appear to be Probably Yes; however you should contact the pension administrator at your employer (who will be able to give both the employer's and the scheme's points of view), and also the SIPP provider you are considering, to get a definitive answer. I'm basing this on the results I'm seeing googling for 'partial gpp transfer', eg Partial transfer from group pension possible? and Is it possible to transfer?. Add to that the fact that one of the largest UK SIPP providers explicitly includes a 'Partial Transfer' checkbox on their pension transfer form.


I'd rather they just ran the campaign without the BP name attached. Why can't they just promote the Gulf Coast? No one said they should walk away - but it wouldn't take much to remove the BP name and logo from the end of the commercial (which is a distraction from the purpose of the ad anyway).


In addition to all the good information that JoeTaxpayer has provided, be aware of this. When you sell mutual fund shares, you can, if you choose to do so, tell the mutual fund company which shares you want to sell (e.g. all shares purchased on xx/yy/2010 plus 10 shares out of 23.147 shares purchased on ss/tt/2011 plus...) and pay taxes on the gains/losses on those specific shares. If you do not specify which shares you want sold, the mutual fund company will tell you the gains/losses based on the average cost basis and you can use this information if you like. Note that some of your gains/losses will be  short-term gains or losses if you use the average cost basis. Or, you can use the FIFO method (usually resulting in the largest gain) in which the shares are sold in the order in which they were purchased. This usually results in no short-term gains/losses. Just so that you know, most mutual fund companies will link your checking account in your bank to your account with them (a one-time paperwork deal is necessary in which your bank manager's signature is required on the authorization to be sent to the fund company). After that, the  connection is nearly as seamless as with your current system. Tell the fund company you want to invest money in a certain mutual fund and to take the money from your linked checking account, and they will take care of it.  Sell some shares and they will deposit the money into your linked bank account, and so on.  The mutual fund company will not accept instructions from you (or someone purporting to be you) to sell shares and to send the money to Joe Blow (or to Joe Taxpayer for that matter): the proceeds of redemptions go to your checking account or are used to buy shares in other mutual funds offered by the company (called an exchange and not a redemption). Oh, and most fund companies offer automatic investments (as well as automatic redemptions) at fixed time intervals, just as with your bank.


A retail revolving account is a more formal name for a general credit card.   A revolving account is an account created by a lender to represent debts where the outstanding balance does not have to be paid in full every month by the borrower to the lender. The borrower may be required to make a minimum payment, based on the balance amount. Retail Revolving Account Wikipedia This is different from something like a car loan or mortgage or other more structured or secured debt.   It used to be somewhat common for very large retailers to issue lines of credit to their customers in the form of a store card.  This card was a lot like a credit card but only accepted at the specific retailer.  These kinds of cards are all but extincted.  Now major retailers will simply co-brand a credit card with a major bank, the differentiation being preferred rewards when used at the retailer.


This guy has been saying this for the last 6 years:  > 2011:   100% Chance of Crisis, Worse Than 2008: Jim Rogers   2012:   Jim Rogers: It’s Going To Get Really “Bad After The Next Election”   2013:   Jim Rogers Warns: “You Better Run for the Hills!”   2014:   JIM ROGERS – Sell Everything & Run For Your Lives   2015:    Jim Rogers: “We’re Overdue” for a Stock Market Crash   2016:    $68 TRILLION “BIBLICAL CRASH” Dead Ahead? Jim Rogers Issues a DIRE WARNING   2017:   THE BOTTOM LINE: Legendary investor Jim Rogers expects the worst crash in our lifetime    https://finance.yahoo.com/news/extreme-market-predictions-like-jim-rogers-provide-no-value-144747654.html  He'll eventually be right. As they say, a broken clock is right two times a day.


"You can have a positive expected return on a lottery ticket purchase, but only if the lottery requires all players to pick their own numbers and doesn't have an option to buy a ticket with a randomly generated set of numbers. This is because people are very bad at picking random numbers, and will tend to pick numbers that are fairly evenly spaced or based on dates rather than genuinely random numbers. For example in January 1995 the UK national lottery happened to have fairly well-spaced numbers (7, 17, 23, 32, 38 & 42), and there were 133 winners with all six numbers. So they way to win is to wait for a draw where a rollover jackpot is high enough that your expected winnings are positive if you are the only winner, and pick a set of numbers that looks stupidly non-random, but is not so very non-random that people will have picked it anyway, like 1, 2, 3, 4, 5, 6. For a ""pick 6 in the range from 1-49"" lottery you might pick something like 3, 42, 43, 44, 48, 49. But it doesn't work if there's a random option, since a significant number of players will use it and get genuinely random numbers, and so your chances of being the only winner get much smaller."


I don't think there could be a better response, thank you. This example is actually quite close to my own. After lots of crappy jobs and bad experiences finding jobs, I knew there was a better way to find a job you really fit into, but having no business experience outside of freelancing, starting it as a hobby seemed like a good idea. I actually work in IT by trade.  This is something I'm very passionate about, and I hope I can use it to make a difference in someone's life.  Your site looks amazing. It's look great and I'm happy for you.


> Deregulation was, in part, the result of an ideology. A lot of weight was given to the business community and the people of the top. Corporations and the one percent. It reflected the increasing influence of money in politics. That itself again led to more inequality. Under Bush, you get bills where the government said that it would not bargain with the drug companies, giving the drug companies over a half trillion dollars over 10 years, lowering progressive income taxes, special provisions for capital gains and dividends. Things in turn which created a more distorted economy and a more unequal society. So some of the forces that gave rise to deregulation gave rise to these other activities that also gave rise to inequality.  [All on one page](http://www.alternet.org/story/155918/exclusive_interview%3A_joseph_stiglitz_sees_terrifying_future_for_america_if_we_don%27t_reverse_inequality?page=entire)


Correct.  What exactly is Uber spending its money on? Their platform service has no inherent capital costs. They're not renting a fleet.  Amazon is creating distribution centers and cutting prices in order to undercut existing distributors. Tesla is creating gigafactories and supercharging stations, as well as reinvesting in innovation for solar panel tiles and electric 18 wheelers.   Uber beat taxis a long time ago. Their prices were good since at least 2014. What are they spending money on? Software dev?


Don't misunderstand man, I'm all about alternative energy.  I bought a Japanese Delica because they have the room I need and they're stupidly good on diesel.  (sadly, I blew the head at Christmas, now I need to get a new one, and until then I'm in an 07 Caravan).  I'd like to add solar panels to the farmhouse once all the other expenses are taken care of, and over the winter we only burn wood for heat in a high-efficiency triple-burn woodstove.


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Exactly. This is ridiculous for him to blame his poor management on a man that has very little to do with his taxes.  He should be blaming Congress, if anyone.  That being said, it's all just bullshit anyways. Just like if Romney is elected, the Universal Health Care Act won't disappear, etc etc. It's all pandering; if elected, they'll both stay as center as possible to keep polls positive.


Not that I'm a huge expert, but from what I can tell the only ways an attorney can even get a strongly worded letter from the bar are:  - Fuck with a client's money - Embarrass or piss off the judge  Just about everything else seems to be par for the course.


The answer is the next sentence from the Wikipedia article: The precise manner in which interest is charged is usually detailed in a cardholder agreement which may be summarized on the back of the monthly statement.  Your previous question on credit card interest rates quotes the sentence after this. You have to review what the agreement for your card says. Also keep in mind the bank wants to make money from you. The more interest and fees they collect, they better they like you. If enough card holders adjust their behavior, to minimize interest and fees; the bank will then adjust the credit card agreement to get money a different way.  Yes, you are right it would seem fair to only charge interest on the smaller amount, but that doesn't allow the credit card issuer to maximize profits.


I do understand that, i own a few small business, and have employees.  Raising the minimum wage will allow you to have more customers.  The reason you have none is because they make minimum wage, the only people who can shop at your deli are people with disposable incomes.  Furthermore restaurants are one of the most volatile businesses out there.  Its at 60% failure rate.  Id get out of the food market all together because its just too much of a risk.  Its more about getting a lucky nitch that makes people want to come back, and unless you had something to make you stand out it was extremely hard to keep that going.  I know a few people who even had that and failed.  Its just such a gamble when opening up an eatery of any kind.


Consider firstly that they're penny stocks for a reason - the company just isn't worth much. Yes, it could take off but this happenstance is rarer than you think. Next, there is the problem of how you'd find out what the good stocks to invest in are. Here in the UK, reliable news about stocks outside the FTSE indexes (AIM) is hard to come by. Also consider than there isn't the supply and demand for these stocks in the same way as there is in the main indexes. Even if you were to make a tidy profit over time, you might lose what you made in the delay selling the stock. Start-ups also have the problem of poor cash reserves so new employees are often given stock options in lieu of cash which further depresses the share price. I read a report once that said that only 1 in 10 penny shares yields a worthwhile return. I just don't like these odds so I tend to avoid.


If bank B has a transfer limit set, you bet that there is a nice reason for that. Either risk of fraud, liability, client preferences, profiling, credit scoring, etc, etc. For a bank, the cost of denying something [1] is way lower than the potential damages and liabilities of allowing something to go through.  Regarding your concerns for the ACH, here is the summarized transaction walkthrough source: An Originator– whether that’s an individual, a corporation or another entity– initiates either a Direct Deposit or Direct Payment transaction using the ACH Network. ACH transactions can be either debit or credit payments and commonly include Direct Deposit of payroll, government and Social Security benefits, mortgage and bill payments, online banking payments, person-to-person (P2P) and business-to-business (B2B) payments, to name a few. Instead of using paper checks, ACH entries are entered and transmitted electronically, making transactions quicker, safer and easier.  The Originating Depository Financial institution (ODFI) enters the ACH entry at the request of the Originator.  The ODFI aggregates payments from customers and transmits them in batches at regular, predetermined intervals to an ACH Operator.  ACH Operators (two central clearing facilities: The Federal Reserve or The Clearing House) receive batches of ACH entries from the ODFI.  The ACH transactions are sorted and made available by the ACH Operator to the Receiving Depository Financial Institution (RDFI).  The Receiver’s account is debited or credited by the RDFI, according to the type of ACH entry. Individuals, businesses and other entities can all be Receivers.  Each ACH credit transaction settles in one to two business days, and each debit transaction settles in just one business day, as per the Rules.  Take heed of this like:  The Originator initiates a direct deposit/payment transaction. In your scenario, the originator would be B. But since the transaction amount is higher than the limit, B would not even initiate the ACH transaction. The request would be denied. So the transaction would look like this: [1] Usually this cost comes down to just the processing costs of the denied transaction (and it is rather fail-fast like). For the other parties involved it may have additional costs (missed deadlines, penalties for not fulfilling an obligation, fines, etc), but for the bank that is irrelevant.


"You seem to have it right. You will be selling what's known as a covered call. When you sell the call, you enter it as ""sell to open"" and the system should see that you own the stock. You need to be approved for options trading, not all accounts are.  As far as this particular trade goes - No, the stock doesn't necessarily get called away the day it's in the money, but it can be. If the stock closes just in the money around the time of expiration are you ok will selling it for the strike price? Remember, the option buyer is taking a small risk, the cost of this option, hoping the stock will go far above that price."


I would **highly recommend** taking a couple of courses in Google Analytics (beginner and advanced) to learn how to track your site's traffic and audience. These courses will teach you how to create live analytic reports, track traffic by individual page, and view countless metrics like bounce rates, average time spent on a page, and which find out pages are typical landing pages. You can also find from where most of your traffic is sourced, and what channels access your site most. In addition, you can track your own ad campaigns and their effectiveness.   For advertising, I would strongly recommend a course in Google AdWords. This course will teach you the top methods of producing effective online ads (in-app mobile, YouTube, graphic displays, text-based ads on search results, etc.).  These courses are both **free** on the Google Analytics Academy, and a certification in them looks great on a resume.  Cheers!


If you can get a rate of savings that is higher than your debt, you save.  If you can't then you pay off your debt.  That makes the most of the money you have. Also to think about:  what are you goals?  Do you want to own a home, start a family, further your education, move to a new town?  All of these you would need to save up for.  If you can do these large transactions in cash you will be better off. If it were me I would do what I think is a parroting of Dave Ramsay's advice Congratulations by the way.  It isn't easy to do what you have accomplished and you will lead a simpler life if you don't have to worry about money everyday.


I'm implying that I have no actual intent to kill a foreign peasant, whereas I have every intent to burn big-box stores to the ground.  If it wouldn't land me in jail, or I could do it as part of a proper class uprising.... I totally would.  Fuck that corporate shit.


"Steve VanWieren, VP of DATA   ""it bothered me how much access just about any employee had to the personally identifiable attributes. I would see printed credit files sitting near shredders, and I would hear people speaking about specific cases, speaking aloud consumer’s personally identifiable information.""  TL;DR - Pretty much a majority of employees were LAZY, talked to each other about the files, made fun of the scores, printed them out, and did not give shit."


"Sitting for the exam won't really make you ""stand out.""  If it was a choice between evilyogurt vs. evilyogurt and taking CFA L1 I suppose I would take the latter.  But if it was a choice between evilyogurt CFA L1 and goodyogurt w/ internship or some experience I would choose the latter.  So in other words, it won't really open doors but it certainly won't hurt.  Only take it if it is what you want to do, not to stand out.  Also, most places care more about the letters CFA than actually taking the exam and they know you need 4 years qualifying work experience.  So they don't really care if you have taken it now or a year from now cause you won't be able to use those letters for four years anyway.  Anyway, good luck on your job search."


What would be the best city matched to their criteria?  Here is a list of 40 cities with international airports (one of their criteria):  * Atlanta * Chicago * Los Angeles * Dallas-Fort Worth * Denver * New York * San Francisco * Charlotte * Las Vegas * Phoenix * Houston * Miami * Orlando * Newark * Seattle * Minneapolis * Detroit * Philadelphia * Boston * New York * Fort Lauderdale * Baltimore * Washington * Salt Lake City * Washington * Chicago * Honolulu * San Diego * Tampa * Cleveland * Portland * St Louis * Houston * Oakland * Kansas City * Nashville * Austin * Raleigh/Durham * Sacramento * Santa Ana


Where does the money go Who wins the billions Ever heard of The Wolf of Wall Street , theres where the money goes . In short ,bankers, traders who are paid millions to take make leverage bets using the banks money regardless of whether they do well .  If they screw up and lose millions , they get paid to leave ( compensation package ) . If they do well , they get bonus.


"Gold is not debt, ""money"" is debt (whatever it is made of).  In the example above, everything could have been exactly the same, except using certificates written on sharks instead of on paper.   Now, sharks have value, paper has value, and gold has value. When you print money, the stuff you make it out of has some utility separate from its use as currency. But when you are using it as currency (regardless of what it is made from), it is a marker for debt.   You go to work for an hour, your boss gives you a marker that you can trade for a cheeseburger or some gasoline or a ferret or cantaloupes, or whatever you want. That marker is an IOU for the work you did. You give it to the cantaloupe store, and it becomes an IOU for the value of one cantaloupe. They give it to the store employees or the cantaloupe-grower or whatever, and so on.   It doesn't matter what that marker is made out of, its function is the same. If it were gold, you could melt it down and make a ring out of it. If it's paper, you could use it as a bookmark or a shopping list or to blow your nose, if it's a shark you scare people with it in the pool.  N.B., this is totally separate from the question of whether we should be using gold as a currency, which has to do with the fact that the gold supply is a lot more stable than the paper supply, and whether being able to easily print more money on demand is a good thing or a bad thing."


I'm an independent rep and believe that what I sell actually gives back to the community. If the government would get out of my business a bit more, I could offer more to the community business-wise.  That said, I donate free time to help out at soup kitchens, toy/clothes drives, etc... And that is fairly anonymous. I just do it because I like where I live and the people here are nice. If they're down on their luck it isn't their fault. And if I'm down on my luck, I'd take some help.


"This is the best tl;dr I could make, [original](https://www.theguardian.com/business/2017/jul/15/top-1-of-households-in-uk-fully-recovered-from-financial-crisis) reduced by 89%. (I'm a bot) ***** > New research from the Resolution Foundation showed that households with incomes of &pound;275,000 or more quickly recovered from the impact of the deep recession and have seen their share of national income return to the level seen before the global banking system froze up in the summer of 2007.  > &quot;Adam Corlett, senior economic analyst at the Resolution Foundation, said:&quot;The incomes of the top 1% took a short, sharp hit following the financial crisis.  > The share of national disposable income for the richest 1% of households rose steadily after Margaret Thatcher became prime minister in 1979 and reached a peak of 8.5% on the eve of the financial crisis.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6njstj/top_1_of_households_in_uk_fully_recovered_from/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~167774 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **income**^#1 **year**^#2 **election**^#3 **Foundation**^#4 **standards**^#5"


Yes. But once you chose the method (on your first tax return), you cannot change it without the IRS approval. Similarly the fiscal year. For individuals, I can't think of any reason why would accrual basis be better than cash, or why would an individual use a fiscal year other than the calendar year.


"you use more than one kind of font in descriptions.  also, font size is too small.  being that the descriptions are underneath the item, one could even miss seeing/reading  the ""no I don't want to save"" pop up sign sucks...insulting"


Starbucks has litigation in place to end this since the TSA is cutting into their handjob market.  Depending on how SCOTUS rules on Obamacare, they could either argue for a government mandated handjob that they can contract out or that the government can't force handjobs, therefore they have to leave it to handjob enterprises.  The details get fuzzy around whether customers will have a claim for reimbursement if they argue that they don't have time or a handjob right now and miss their plane.


Currently they put out 800 cars a week, and that was before the two week shutdown to add another dual line and allow for major production rampups.  Plus the new body line, plus the new paint shop being built.  As soon as these come online, going from 800 to 2000 in 18 months is not unrealistic.


well, Anyone with a voice can use your always on microphone, even from outside your house, they could order things from Amazon, or activate some iot device maliciously. the databases that these companies use are vulnerable as well, they store very personal information about your personal habits. you can tell when someone takes a shower from humidity sensors. when they come and go, what time they go to bed and when they leave in the morning.


I fucking hate airbnb because they make the rent in In NYC fucking expensive  even with a 100k a year salary.  It's a good thing that NYC  is sending a fine of $1000 to whoever lists their whole apartment for rent on airbnb.


"Current is another word for Checking, as it is called in the US. Savings account is an interest-bearing account with certain limitations. For example, in the US you cannot withdraw money from it more than 6 times a month. Here is the explanation why. Current account is a ""general-use"" account on which you can write checks, use ATM/Debit cards and have unlimited transactions. It can also have negative balance (if your bank agrees to let you overdraft, they usually charge huge fees for that though). Checking accounts can have interest as well, but they usually don't, and if they do - it's much lower than the savings account interest."


Gold and Silver have gone up massively as the dollar has devalued.   Roosevelt actually did confiscate gold, you were required to sell it to the federal Reserve.   I would stay away from nusimatics or other overpriced vehicles for gold but the underlying statements are true.


Its pretty much always a positive to have large institutional investors. Here's a few cases where I can see an argument against large institutional investors: In recent years, we've seen corporate raiders and institutional investors that tend to influence management in ways that are focused on short term gain. They'll often go for board seats and disrupt the existing management team. It can serve as a distraction and really hurt morale. Institutional investors also have rules in their prospectus that they are required to abide by. For example, some institutional investors will not hold on to stock below $5. This really affected major banking stocks, some of which ended up doing reverse stock splits to keep their share price high. Institutional investors will also setup specific funds that require a stock to be listed as part of an index (i.e. the SPY, DJIA etc.,). When a stock is removed from an index, big investors leave quickly and the share price suffers.  In recent months, companies like Apple have made their share price more affordable to attract retail investors. It gives an opportunity for retail to feel even more connected to the company. I'm not sure how much this affects overall sales... Generally, a good stock should be able to attract both retail and institutional investors. If there's not a good mix, then its usually a sign that somethings amiss.


This really depends on your own experience. I just graduated this year with my bachelors in Finance. I’ve read some books that are extremely  below me and also extremely above me. Therefore I recommend reading the amazon samples if they’re available or renting the books.


"Have to side with the other guy here. You're stating the findings of a student run fund as fact. ""They're significantly overvalued"", for instance. And then there's comments like ""the capital structure is way to much debt"", which expose you as, well, not knowing what you're talking about. There's nothing wrong with being highly leveraged. In fact, it's necessary for companies like Tesla, in the industry they operate, to achieve growth and nail down the market."


"Wiki: consumer surplus - ""Consumer surplus is the difference between the maximum price a consumer is willing to pay and the actual price they do pay....The aggregate consumers' surplus is the sum of the consumer's surplus for all individual consumers.""  Efficient production provides MORE product at LOWER prices, thus the difference between 'willing to pay' amount and 'actual price' is increased, plus as more product is produced, more people enjoy the benefit, so the aggregate consumer surplus is increased simply by increasing the number of consumers."


Moving from the Taxi monopoly to the Uber monopoly... Uber has raised their prices in my city over 10 times in the last year. It's now more economically feasible (even during non-surge times) to call a cab. Hell, the taxi waits have even been less. I don't know. Call me old fashion but I'd rather use a company that is regulated by the state in terms of pricing and safety standards rather than a company that blatantly disregards the law. Fuck, I got into an Uber last week and my driver was an acquaintance from highschool. He is a two time drug/armed felon... and Uber says they do background checks LOL


Alright thanks a lot. I had AP micro/macro economics last year and really enjoyed it and those numbers. I feel like I don't like math because those numbers aren't applicable. But thank you and I will definitely remember and take this advice into consideration.


The straight math might favor leaving it, but I'd personally prefer to have it in my control in an IRA. My own employer offered a buyout on the pension program, and the choice between a nice lump sum vs some fixed number 20 years hence was a simple one for me. Both my wife and I (same company) took the lump sum, and never regretted it.


If you return the money in the same tax year - it will not appear on your W2 and you will not be taxed on it. Whatever was withheld - you'll get it refunded when you file your annual tax return. If you return it in a different tax year - it becomes a miscellaneous deduction reported on your Schedule A. If the amount is less than $3000 - then this deduction is subject to the 2% AGI threshold, if the amount is more than that - it is not subject to threshold. Bottom line, you're probably going to lose money, unless you're already itemizing and the amount is above $3K. There's also a credit that you can take instead of deduction. See publication 525 for details.


> ive read that consumer spending stimulates an economy more than investment somewhere  Investment is necessary for an economy to grow, as is consumer spending. Neither is more important. If you lack one of those, stimulating it will do more than stimulating the other.  It's like a racing team saying the driver is more important than the car. In situations where everyone's cars are as good as they'll get, improving the driver is more important. In situations where the quality of cars differs, improving the car becomes more important.  >Also, youhave the theory that decreasing the income gap helps society in many other ways  There is strong speculation that that is the case. However, it's _100% fact_ that increasing everyone's wealth helps society much more. It's why you'd rather live today than in any more egalitarian point in our past. If tinkering with income inequality gets in the way of overall wealth creation, it will do more harm than good.


Want to know how to start a fight in almost any Wyoming bar?  Suggest that fracking could possibly contaminate our limited drinking supply in our arid state.  We are in such denial in this state that it shocks me.  Expressing concern about fracking safety means you are nothing more than a job destroying communist fascist terrorist who hates Christmas.


I use damodaran courses to complete my knowledge of finance while studying for the CFA, for people with finance or accounting background his courses are great and very easy to understand. I could learn in few hours what would have taken days with an average teacher.


Thanks for your input.  > Are you talking about domicile?  Nope, **domestication**. See #2 [here]. I've seen that term on a few places on the web.  I am a single-member LLC. I think I'll probably get a biz attorney. Do you think it matters whether the attorney is within the state I currently reside as opposed to the one I'm moving to?


Hello,  I was curious if anyone had any insight as to why some mutual funds had different settlement dates than others. I've seen many funds that settle T+1 and some that are T+2 and yet others that are even longer than that.   Just curious what is going on behind the scenes that could cause the variation in settlement times.  I've looked on investopedia, my broker's website and other google related searches and couldn't find an answer. If anyone had a link or experience with this I would appreciate the information.


If you hold at least $2,000 of a company's shares for at least a year you can submit a proxy filing -- a stockholder proposal at the  shareholders' meeting.   Then you can use the media to agitate around that proposal.  (See Hugh Fearnley-Whittingstall, mentioned here as well). Companies have been known to bow to media pressure around minority shareholder proposals.  The guidelines for proxy filings are here: http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&sid=47b43cbb88844faad586861c05c81595&rgn=div5&view=text&node=17:3.0.1.1.1&idno=17#17:3.0.1.1.1.2.82.201  Buying enough shares to assume control of a major money center bank is not possible, regardless of the amount of money you can raise (remember: there are poison pill provisions, not to mention the fact that the more shares you want to buy, the higher the price will be).   tl;dr: The way to do what you're trying to do is not by accumulating shares but by using the media. You need $2,000.


"Can we just call the Republicans 'evil, money-grubbing hucksters', and have done with it?  I mean, I get the whole ""people should take more responsibility for themselves"" idea, but that kind of is hyperbole when ""taking responsibility"" means paying off a $12000 medical deductible on a $52000 household income, after paying $10000 per year on insurance.  And if that's the case, why don't we apply that to roads?  Libertarians are certain that Wal-Mart will help you pave the way from your home to the nearest Supercenter, because it's in their best interests, and it's your *responsibility* to take care of your own problems, like transportation.  And healthcare.  And let's talk about the fire department, shall we?  Because I don't see anything in there about fire protection.  You know what?  Just forget about a paycheck.  You work, and you can just automatically pay for all the stuff you need directly to the corporations that can supply it, after we take a cut off the top for national defense, of course.  And we'll make sure that there are no protections for workers or consumers, because that just makes the stuff you're paying for more expensive, right?  Yeah, that's it.  Have another cup of Flavor-aid."


"From my experience, payments from banks and other financial entities, such as loyalty programs, generally aren't as large as payments that go the other direction from consumer to bank. Thus, keeping a bank account open simply for some reward/loyalty points may just be changing your behavior for the wrong reasons. The more important scenario is whether or not you have any automated ACH payments or whether your bank account is linked to other services. Perhaps the biggest tell that you're in the clear is when those transactions start occurring from your credit union account.  For example: If you had a direct deposit to your BMO bank account, make sure you see deposits start to appear in the credit union account. If you're making automatic withdraws to an online savings or brokerage account, make sure those transfers are stopped and that you instead see them coming out of your new credit union account. You shouldn't need to move the auto loan, but you will need to make sure you can pay it from the new account.  Some financial advisors, such as in this BankRate article titled, Lenders can tap bank account for mortgage, even recommend keeping liabilities and assets at different locations. If for whatever reason your financial situation turned bleak, it would be more difficult for the bank to help itself to what's in your checking account. To avoid getting nickel and dimed to death by ""payment processing fees"", I tend to pay insurance bills yearly or semi-annually. Thus, consider if there is anything that may be coming due in the next 6 months. If so, you might want to get your new account hooked up while you still have all the routing numbers and account numbers in your head. It's a pain to dig this stuff up while also rushing to not be late. If all that is in order, close the account."


"So that's why Sherron Watkins said, ""I am incredibly nervous that we will implode in a wave of accounting scandals. My eight years of Enron work history will be worth nothing on my resume, the business world will consider the past successes as nothing but an elaborate accounting hoax."" I see."


The deadline for recharacterizing the 2010 roll over was October 17th 2011.  What was the deadline to recharacterize a 2010 rollover or conversion to a Roth IRA? You had until October 17, 2011 (because October 15, 2011, was a Saturday), to recharacterize your 2010 rollover or conversion to a Roth IRA if you filed your 2010 tax return on time, including extensions, and regardless of whether you requested an extension to file your 2010 tax return. For example, even if you did not request an extension to file your 2010 tax return and actually filed your return on or before April 18, 2011 (because April 15 was a holiday in the District of Columbia), you had until October 17, 2011, to recharacterize your 2010 Roth IRA rollover or conversion.


I see two ways to look at it:


Home appliances are the most important part of our lives. They make our life easier and help us to do our daily task much easily. When your appliances are not working then this can be a cause of your stress. We provide satisfactory repairing services for your home appliances.


It can be normal. The issue is everyone  comparing themselves to others. Living by myself in a part of the country where cost of living was low was not easy, but necessary.  I care less about internet points and more about people wrongfully demonizing schooling because of loans.


This was all luck, that amount of leverage will destroy your account in a single bad trade. You profit is way less than it should be because you are getting killed on fees.  Take a look at the bitcoin trade, you should have 2,157.30 in profit but you only have 1825.42. And your currency trades were consistently positions that were worth $400,000 dollars, where you were pulling out ~$50 in profits, even though they should have been ~$80 profits. You are consistently getting 30% less than you should be, and consistently betting waaaaay bigger amounts than you account can really handle. Bad trades will probably have 30% greater losses than actual, and when the market moves the wrong direction then a single position will wipe out your account. Yes, you could have just bought bitcoin and gotten great profits. You totally nailed the directions of the markets! It is just a matter of time before you blow up, the trailing profits won't always help you when the market starts going down first.


I applied to a travel credit card after my local branch of Bank of America told me I should look into it due to my constant traveling. I've been with them for 3 years and have never had an issue and I was declined on my travel credit card even though I have a decent credit score of 730. I'm also a 22 year old and have my senior year of school to finish but have always been good with Bank of America. Is it because I'm young?


"Whenever I'm looking at whether I can afford a new fixed monthly cost I go over my account statement for the last three months (or last three ""normal"" months in the event that there has been something unusual recently) and list the items into four columns on an Excel sheet -  Fixed Essentials - costs that happen every month and that have to happen, stuff like rent, utility bills, insurance, any loans or credit cards etc Fixed Niceties - costs that happen every month but that I could cut if I needed to, stuff like Netflix, Spotify etc Variable Essentials - costs that I incur on an adhoc basis but are essential, I'm talking things like food, fuel etc Variable Niceties - costs that I incur on an adhoc basis but could be cut if required, things like buying DVDs or games etc I sum up the ""Essentials"" columns and divide by three to get a rough monthly average. This is what I have to spend so I subtract this from my monthly income which tells me what I really have available to ""spend"" in any given month. Performing the same ""sum and divide by three"" operation on the niceties and subtracting that from my ""available to spend"" figure tells me what I have left on in an average month - if this is greater than the new monthly cost I'm considering (allowing for some reasonable buffer as well - you don't want to be running to zero each month!) then I can afford the new cost and then I just have to weigh up whether I think it's worth it or whether I'd rather use that for something else. If it's not sufficient and I really want/need whatever the new cost is then I can start looking at the fixed and variable niceties to see if I can make savings there. If after trimming the niceties where I can I still can't afford it but still really want/need it then I'll start looking at the Essentials to see if there are ways to reduce them through switching utility supplier or changing my shopping/eating habits etc."


This article makes it seem like it was a really high tech hack, but it wasn't. It was a fairly benign exploit that had been fixed for months.  There are certainly some crazy state-sponsored exploits that have come public recently, like that nsa wikileaks drop, stuxnet, etc. This is not anywhere near that caliber. This was caused  by sloppy management of infrastructure.


I smoke pot pretty much everyday and didn't smoke for two weeks and I was good. And if you have medical condition I believe then you should get a pass on passing for pot. HOWEVER as it relates to this article I don't think someone with a medical condition that requires cannabis for treatment would be working in this labor intensive industry


I'd use it to start paying for your master's degree. Each dollar you don't borrow for school returns 5.84% guaranteed. On the other hand, if you invest it in the  stock market and get an average return of 8.34% a year you would both have to pay capital gains taxes on that money and expose yourself to the risk of the stock market disappointing you.


Unfortunately, in this market environment your goal is not very realistic. At the moment real interest rates are negative (and have been for some time).  This means if you invest in something that will pay out for sure, you can expect to earn less than you lose through inflation.  In other words, if you save your $50K, when you withdraw it in a few years you will be able to buy less with it then than you can now. You can invest in risky securities like stocks or mutual funds.  These assets can easily generate 10% per year, but they can (and do) also generate negative returns.  This means you can and likely will lose money after investing in them.  There's an even better chance that you will make money, but that varies year by year.  If you invest in something that expects to make 10% per year (meaning it makes that much on average), it will be extremely risky and many years it will lose money, perhaps a lot of it.  That's the way risk is.  Are you comfortable taking on large amounts of risk (good chances of losing a lot of your money)? You could make some kind of real investment.  $50K is a little small to buy real estate, but you may be able to find something like real estate that can generate income, especially if you use it as a down payment to borrow from the bank.  There is risk in being a landlord as well, of course, and a lot of work.  But real investments like that are a reasonable alternative to financial markets for some people. Another possibility is to just keep it in your bank account or something else with no risk and take $5000 out per year.  It will only last you 10 years that way, but if you are not too young, that will be a significant portion of your life.  If you are young, you can work and add to it. Unfortunately, financial markets don't magically make people rich.  If you make a lot of money in the market, it's because you took a risk and got lucky.  If you make a comfortable amount with no risk, it means you invested in a market environment very different from what we see today. --------- EDIT ------------ To get an idea of what risk free investments (after inflation) earn per year at various horizons see this table at the treasury.  At the time of this writing you would have to invest in a security with maturity almost 10 years in order to break even with inflation.  Beating it by 10% or even 3% per year with minimal risk is a pipe dream.


I once turned down a raise because I didn't agree with the employee review that supposedly substantiated the raise.  I felt the review to be superficial and incomplete.   Then I refused to sign it, or take the accompanying raise, due to that fact.


By process, I assume you mean the financial process. Financially, this doesn't look any different to me than buying an empty lot to build a rental unit, with the added expense (potentially significant) of doing the tear-down. Given your lack of experience and capital, I would be very hesitant to jump in like this. You are going to have to spend a lot of time managing the build process, or pay someone else to do it for you. And expect everything to take twice as long and cost twice as much as you expect. If you really want to get into the landlord business, I would suggest starting with a structurally sound building that needs some renovation work and start there. One you have that up and running, you can use the cash flow and equity to finance something more aggressive. If you still think you want to do this, the first thing to do is figure out if the financials make sense. How much will it cost to do the tear-down and rebuild, plus the typical rental expenses:ongoing maintenance, taxes, insurance, vacancy rates and compare that to the expected rental rates in the area to see how long it will take to 1) achieve a positive cash flow, and 2) break even. There are a lot of good questions on this site related to rentals that go into much more detail about how to approach this.


>ETA's operations are on such a scale that they'd be able to undercut other relevant swiss mechanism manufacturers en scale.  Other side of the coin is they controlled 80% of the market and could set prices at will, charging more than they would be able to with a smaller market share.


Agree that he needs to be doing some guerrilla marketing to get things moving. Get involved with a local realtor/builders association and start networking like crazy. Can he do small adverts in a local neighborhood magazine? Create a plan for the business. Nothing complicated... Just get an idea of how many people he needs to talk to in a day or week to get a job and go hit that number.  Pretty soon he'll be so busy that you'll need start worrying about bringing on somebody else to help him out. Keep going!


Yes, you do. Depending on your country's laws and regulations, since you're not an employee but a self employed, you're likely to be required to file some kind of a tax return with your country's tax authority, and pay the income taxes on the money you earn. You'll have to tell us more about the situation, at least let us know what country you're in, for more information.


Foreign business doesn't land in Russia because of its despotic nature. Russian state assets have been looted since the year 1991. The first generation gang was Moscow based Boris Yeltsin providing it breastfeeding. Since the year 2000 the Baskov Lane dwarf has seated the throne breastfeeding his buddies from Petrograd. Not Germans nor anyone else is willing to invest to a country driven by a bunch of ill behaving buccaneers. Not even Russian money stays in the country but is emigrating. I wonder why is that.


"Your retirement PLAN is a lifelong plan and shouldn't be tied to your employer status. Max out your 401(k) contribution to the maximum that your employer matches (that's a 100% ROI!) and as much as you can afford. When you leave the work force rollover your 401(k) to an IRA account (e.g.: you can create an IRA account with any of the online brokerage firms Schwab, E-Trade, Sharebuilder, or go with a brick-and-mortar firm like JP Morgan, Stifel Nicolaus, etc.). You should have a plan: How much money do you need/month for your expenses? Accounting for inflation, how much is that going to be at retirement (whatever age you plan to retire)? How much money do you need to have so that 4.5% of that money will provide for your annual living expenses? That's your target retirement amount of savings. Now figure out how to get to that target. Rule #1 Invest early and invest often! The more money you can sock away early in your career the more time that money has to grow. If you aren't comfortable allocating your investments yourself then you could go with a Targeted Retirement Fund. These funds have a general ""date"" for retirement and the assets are allocated as appropriate for the amount of risk appropriate for the time to retirement."


I'm not sure why she's blaming Yelp for her 2.54 star rating.  Yes, her handpicked reviewers are getting demoted.     But all those negative reviewers who did business with her AND are regular Yelp reviewers should be considered perfectly representative of her overall quality of service as is.    You redditors need to be honest with yourselves...even knowing that Yelp indiscriminately cuts out new reviewers, would you choose her 2.5 star company over a 5 star rated competitor?  Of course not.   **She wasn't handicapped or at a disadvantage with respect to her rivals whatsoever.  Every Yelp businesses gets same Yelp treatment.**


You own something with very little market value - even if you paid a large price for it initially. Your cost to sell may be more than the price you get. Like any other item that has limited resale value, your best option may be to donate it. A quick Google search will turn up some options. This will likely be less hassle than selling. Also, you have a potential tax write-off.


>The financial press is full of articles about the massive flow of investors to Treasuries  Wow, yeah I mean if you read about it or saw it on the news, then it must be true.  But of course, if that were *really* true, then it would bring about the question... **[why the F! would the Fed have bought 61% of US Treasuries in 2011](http://www.moneynews.com/Headline/fed-debt-Treasury/2012/03/28/id/434106)???**


HFT is a controversial issue and there are smart people with very different opinions on it. You sound like your confidence in your own opinion is not matched with a deep knowledge of market structure.   Also, front running has a technical meaning, and what you are referring to as front running is something different.


the problem now is A LOT of people dont have confidence in the euro, and they are taking their money out of it , and confidence is the only thing that backs the euro, or any fiat money. It's gonna get worst before it gets better unfortunately...


"> Now Pacquiao is a guy who will be broke very soon, or already is. He fought a no-named boxer with like 17 fights under his belt this past June in Australia (and he lost) to little fan fare.  I know nothing about Pacquiao's finances, but Jeff Horn is only ""no-named"" in the sense that for some reason, you chose not to use his name. He had 17 fights under his belt, but was undefeated through them; he's not just some guy that came into the fight fresh off the streets.   Further, to suggest there was little fanfare to the fight is plain ridiculous. They fought in front of a sold-out crowd of more than 50k, and outside of each fighter's home country, it was broadcast basically worldwide for free or on cable to stellar ratings.  He did lose, albeit through a controversial decision."