"The tax bracket is the point where you start paying for the ""services"" the government ""offers"" it's not so voluntary membership. I know there is ""brackets"". We have been talking about how some people think it is OK to discriminate based on your assigned ""bracket""."


Around 3 months back, I paid back my last loan from my father which he gave for the car. Now I am totally debt free from 2 months. I have paid back following loans, 1. Education loan. 2. Car loan. I don't have my own property yet. I have a 3 months emergency fund saved which helps me overcome if there is a sudden expense. Overall, its a great idea to be debt free. I used to get extreme thoughts while I had a loan. I paid back and now I am doing good.


yeah, yours looks great, Microsoft! Can't wait to get one! Can I order one?... oh... it's not avaliable yet? Ok, cool I can wait. When will they start to ship so I can put an order in? You don't know? Oh well - it's cool! I guess...er... I'll just wait it out. How much will the base model retail for? You don't know that either....um...ok. And you say there's one running ARM and one running Intel. Er... which one should I get? What's the difference? You can't really demo that yet? Umm... ok, sure, whatever. It looks cool anyway.  Did that just crash?  Sure you'll get the bugs worked out before they ship. Umm... yeah.


"And I think that's exactly what it's for. Ironically allow people to emerse themselves in the physic world of the books they're going to read, so there's a higher chance they feel ""connected"" and purchase it, even if it's digital. Also, tangible goods can be more eye catching than their digital counterparts."


"This is the best tl;dr I could make, [original](http://newyork.cbslocal.com/2017/06/30/new-jersey-budget/) reduced by 91%. (I'm a bot) ***** > UPDATED 07/01/17 12:10 a.m. TRENTON, N.J. - New Jersey state government shut down at midnight Friday night, after lawmakers failed to pass a nearly $35 billion budget and avert a state government shutdown.  > Gov. Chris Christie called for a special session of the New Jersey State Legislature on Saturday at 11 a.m., and blamed Democratic State Assembly Speaker Vincent Prieto for failing to reach a deal.  > Island Beach State Park announced late Friday night that it would be closed Saturday due to the New Jersey government shutting down.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6kl7zd/new_jersey_government_shuts_down_after_failure_to/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~156665 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*: **state**^#1 **budget**^#2 **Prieto**^#3 **Christie**^#4 **New**^#5"


A wealthy starving man, what a contradiction in terms. You have to invent rare, impossible creatures just to get your false moralistic fantasies to make the slightest bit of sense.  Yes, in fact it makes him LESS willing to pay, as in this case his plight makes him willing to pay for smaller quantities of poorer quality eggs. Diminishing marginal utility doesn't apply here dude, these guys are on completely different indifferece curves due to their respective budgetary restrictions. Then again, you'd know that if you knew one one hundredth of 1% of what you were talking about.  Again, you are not thinking in concrete terms, you're thinking about the world as it should be. This poor starving man should have money so he can eat! The reality in observable terms is that the fed man will pay more money for eggs than the starving man. Thus we say he is more willing to pay.


Very good point. However, I would say stability.  Say I could just continue doing this one the side of my regular job, couldn't I do both?  Edit: I don't know why I keep getting down voted... I'm literally just asking valid questions.


Some differences on short and medium haul  1. Fast lane through security 2. Flexible tickets 3. Ability to carry more than one bag (no delays over waiting for checked in baggage) 4. Better food so you can use the time


"To my knowledge, there's no universal equation, so this could vary by individual/company.   The equation I use (outside of sentiment measurement) is the below - which carries its own risks: This equations assumes two key points: Anything over 1.2 is considered oversold if those two conditions apply.  The reason for the bear market is that that's the time stocks generally go on ""sale"" and if a company has a solid balance sheet, even in a downturn, while their profit may decrease some, a value over 1.2 could indicate the company is oversold. An example of this is Warren Buffett's investment in Wells Fargo in 2009 (around March) when WFC hit approximately 7-9 a share.  Although the banking world was experiencing a crisis, Buffett saw that WFC still had a solid balance sheet, even with a decrease in profit.  The missing logic with many investors was a decrease in profits - if you look at the per capita income figures, Americans lost some income, but not near enough to justify the stock falling 50%+ from its high when evaluating its business and balance sheet.  The market quickly caught this too - within two months, WFC was almost at $30 a share. As an interesting side note on this, WFC now pays $1.20 dividend a year.  A person who bought it at $7 a share is receiving a yield of 17%+ on their $7 a share investment. Still, this equation is not without its risks.  A company may have a solid balance sheet, but end up borrowing more money while losing a ton of profit, which the investor finds out about ad-hoc (seen this happen several times).  Suddenly, what ""appeared"" to be a good sale, turns into a person buying a penny with a dollar.  This is why, to my knowledge, no universal equation applies, as if one did exist, every hedge fund, mutual fund, etc would be using it. One final note: with robotraders becoming more common, I'm not sure we'll see this type of opportunity again.  2009 offered some great deals, but a robotrader could easily be built with the above equation (or a similar one), meaning that as soon as we had that type of environment, all stocks fitting that scenario would be bought, pushing up their PEs.  Some companies might be willing to take an ""all risk"" if they assess that this equation works for more than n% of companies (especially if that n% returns an m% that outweighs the loss).  The only advantage that a small investor might have is that these large companies with robotraders are over-leveraged in bad investments and with a decline, they can't make the good investments until its too late.  Remember, the equation ultimately assumes a person/company has free cash to use it (this was also a problem for many large investment firms in 2009 - they were over-leveraged in bad debt)."


The profits from one good job could pay for whatever type of alarm system needed to minimize the risk of theft. Failing to brand the truck would be the equivalent loss of multiple tool thefts per year. No need to cower in fear; advertising works. And it's not impossible to prevent vehicle break-in theft.


Congratulations!  You own a (very small) slice of Apple. As a stockholder, you have a vote on important decisions that the company makes.  Each year Apple has a stockholder meeting in Cupertino that you are invited to.  If you are unable to attend and vote, you can vote by proxy, which simply means that you register your vote before the meeting.  You just missed this year's meeting, which was held on February 26, 2016.  They elected people to the board of directors, chose an accounting firm, and voted on some other proposals.  Votes are based on the number of shares you own; since you only own one share, your vote is very small compared to some of the other stockholders. Besides voting, you are entitled to receive profit from the company, if the company chooses to pay this out in the form of dividends.  Apple's dividend for the last several quarters has been $0.52 per share, which means that you will likely receive 4 small checks from Apple each year. The value of the share of stock that you have changes daily.  Today, it is worth about $100.  You can sell this stock whenever you like; however, since you have a paper certificate, in order to sell this stock on the stock market, you would need to give your certificate to a stock broker before they can sell it for you. The broker will charge a fee to sell it for you.  Apple has a website for stockholders at investor.apple.com with some more information about owning Apple stock.  One of the things you'll find here is information on how to update your contact information, which you will want to do if you move, so that Apple can continue to send you your proxy materials and dividend checks.


"Absolutely this study should be taken into account. As the study suggests, there should be further study into the possible link between glyphosate and myeloma. I would go as far as to say the science of just about anything moderately complex is never settled, and continued research and study is always warranted and encouraged especially when it impacts our wellbeing.  However, I would point out that this study spends a great deal of time explaining that while an association is ""possible"", there are also many other factors that may be falsely leading them to that interpretation.  In the end this paper stops far short of making a concrete link between glyphosate and any form of cancer. The State of California on the other hand is making a very definitive statement that they ""know"" glyphosate causes cancer. I don't think we ""know"" this at all, and the data in support of such a conclusion is extremely limited and weak at this point."


No. The long-term valuation of currencies has to do with Purchasing Power Parity.  The long-term valuation of stocks has to do with revenues, expenses, market sizes, growth rates, and interest rates. In the short term, currency and stock prices change for many reasons, including interest rate changes, demand for goods and services, asset price changes, political fears, and momentum investing.  In any given time window, a currency or stock might be: The Relative Strength Index tries to say whether a currency or stock has recently been rising or falling; it does not inherently say anything about whether the current value is high or low.


By definition, actively managed funds will underperform passive index funds as a whole. Or more specifically: The aggregate performance of all actively managed portfolio of publicly-tradable assets will have equal performance to those of passively managed portfolios. Which taken with premise two: Actively managed funds will charge higher fees than passively managed funds Results in: In general, lower-fee investment vehicles (e.g. passive index investments) with broad enough diversification to the desired risk exposure will outperform higher-fee options But don't take my wonkish approach, from a more practical perspective consider:


To put it another way: If we overturn elections to go to whoever didn't get helped by a foreign powers, then all foreign powers have to do is help the candidate they want to lose.  Also, while there seems to be evidence that Russia did stuff, when you look at the numbers and demographics, it looks like a very ordinary election. Republicans and Democrats got similar amounts and kinds of voters. So, it's hard to quantify how much of an impact it actually had if any. A lot of the people who bought into the Clinton scandals and fake news that are claimed to have swayed this election are people who had already decided they weren't voting for Clinton before the scandals came out.


"People like to call it ""Chinese State-Sponsored Capitalism,"" but it is absolutely not capitalism.  Capitalism doesn't allocate capital to build cities for which there are no residents.  It doesn't pick winners by deciding who is best at bribing government officials.    We may not always like what the invisible hand deals us, but the idea that central planners are better at allocating capital than an ecosystem of individuals acting in their own interests just doesn't make any sense.  The more I learn about the world, the more I realize how little I know.  Expecting humans to be smart enough to understand and manage something as complex as an economy is akin to expecting present-day doctors to design a human body that rivals a natural human body in form and function.  I understand the need to occasionally intervene and mitigate some of the harsher aspects of nature, but when you take the stance that central planning is superior to a free-market system (or as free as possible given our inclinations towards empathy), you are basically saying that humans are capable of beating nature at its own game.  That is an audacious presumption.  I have seen zero evidence of that being the case now or at any point in the past."


Annuity calculation formulas can be found here. http://en.wikipedia.org/wiki/Annuity_(finance_theory). In addition, as suggested in the comments, there are many sites that have calculators. Having said that, a simple financial mechanism that is followed by many is to invest a portion of the fund in regular income instruments, for example Govt. or corporate bonds that pay a regular coupon/interest and some in diversified instruments like gold, stock etc. The exact proportion is dependent on may factors, like mortality, inflation, lifestyle, health care requirements, other expenses. The regular income provides the day to day expenses on a monthly/yearly basis, while the other instruments hedge against inflation and provide growth.


It is not likely the YA would die in 10 years. Hence the investment the parents make in policy premiums would lose all of its money. Repeat: lose all money.  On average, you'll slightly lose with insurance. It's there for peace of mind and to mitigate a catastrophe. It's not an investment. Of course, if the YA is likely to die suddenly, that might change things. But concealing medical information would be grounds for denying the policy claim.


KMyMoney Pros: Cons:


The managers of the 401(k) have to make their money somewhere.  Either they'll make it from the employer, or from the employees via the expense ratio.  If it's the employer setting up the plan, I can bet whose interest he'll be looking after. Regarding your last comment, I'd recommend looking outside your 401(k) for investing.  If you get free money from your employer for contributing to your 401(k), that's a plus, but I wouldn't -- actually, I don't -- contribute anything beyond the match.  I pay my taxes and I'm done with it.


"I commend Chipotle for their decision, but I am a little confused on some parts.  Pasture-fed beef definitely makes a difference, and I know that some farmers use steroids and some antibiotics to stimulate dairy production and growth.  What I am confused about is this:  My family owns a farm. Pasture-fed as much as possible - it is not feasible to do it year-round for us (Winter can be harsh sometimes). No unnecessary antibiotics used. To say that you are stopping the use of antibiotics completely is actually quite cruel to the animal. Infections can be prevalent in pasture-fed animals' feet. You can try to ""work"" the land as much as possible to prevent that, but in the end it is an inevitability. Something such as Penicillin (an antibiotic) is used to treat these infections. I have seen what happens when people do not treat the infections correctly and it can result in amputation of the infected foot.  So I don't understand how **no** antibiotics at all is any better. The animal may suffer even more now because of it. Management of antibiotics may be a better solution.  Anyone know more?"


One that isn't typically mentioned: move. Rates are often higher in certain zip codes where there are more accidents and/or thefts. I cut my insurance nearly in half by moving. If you're looking at moving anyway, it's worth considering.


Depending on your location, you might have a lot of options to choose from to mitigate your tax burden. There might even be a possibility of combining a few options to make a buck or two off of it. As someone already mentioned, check out conservation easements and REITs, they can be great ways of relieving your burden. Another option that I know is available in a number of states is land-use tax qualifications that allow for significantly reduced tax rates based on the current zoning/use of the land as a timber area(You may not plan on harvesting the timber but you can potentially still qualify for the reduction). Is the land appropriately assessed/appraised? Make sure you're not getting ripped off. What are your neighboring landholders paying for taxes? I would imagine most locales in and around New England would at least have GIS parcel maps in place, talk to your neighbors and find out what they do to minimize their costs. If all else fails, check out ParcelQuest or Google Earth Pro and find out the digs on others with similar land holdings. Make some cold calls, be polite, and ask. Many people, especially in the country are happy to oblige a friendly neighbor.  What would the definition of 'pristine' be? What is the age of the trees, furthermore, what type of trees comprise the woodland? Are you open to selective harvesting(which if done properly can actually improve the health of your property)?Check out what you can do with it(is your woodland comprised of sugar maple or some other resource that might be of persistent value?). Do you want to have the land for the sake of having it or do you want to do anything with it? If you're in a semi-urban environment you could converse with local hunting, disc-golf, or other groups that might be interested in utilizing the land. These uses could potentially be combined with a conservation easement to improve your outcome in more ways than one.  Keep in mind, often times with conservation easements, know everything you want out of the land in the long term. Once the ink is dry, the deal is done. Take your time, think about it. Do what feels right.


There are two 'dates' relevant to your question: Ex-Dividend and Record. To find out these dates for a specific security visit Dividend.Com. You have to purchase the security prior to the Ex-Dividend date, hold it at least until the Record Date. After the Record Date you can sell the security and still receive the dividend for that quarter.  ---- edit - - - -  I was wrong. If you sell the security after the Ex-div date but before the date of record you still get the dividend.  http://www.investopedia.com/articles/02/110802.asp


so since it hit 18 the amount of debt decreased, wages for workers have fallen, price levels have increased across the board, and a dividend. How is it not that good of a buy? My price target is 23 conservatively but 30-40 in a year or three.


You know what? Pay cash, but ask for a discount. And something fairly hefty. Don't be afraid to bargain. The discount will be worth more than the interest you'd get on the same amount of money. And if the salesman doesn't give you a decent discount, ask to speak to the manager. And if that doesn't work, try another store. Good luck with it!


> In other words, one might conclude based on this data that it's the smartphone, more than any particular transportation service, that's greatly disrupting city mobility... Why haven't official taxi companies (if not cities themselves) invested more time and energy into developing smartphone-based services?  My local taxi service has an app from which one can hail a cab and pay for the ride.  But the app is shittier, the service is worse, and the ride is more expensive.  I swore off of cabs when it cost me more than double to make the trip back compared to what Uber charged me to get there (my phone was dead).  Then I recanted and took a cab from the airport because it was easier than waiting for Uber.  Well, that cost me about a 50% premium and now I've sworn off of cabs again.


You seem to have it all figured out. It will be a rude awakening when you right wingers erode all the safety nets only to find that you are out of a job in a few years due to automation. You think you're responsible and hard working now but there will come a point when an algorithm replaces you. Deny it all you want but that is where we are heading. It would be more proactive to open a dialogue with that in mind, but you'll keep blaming immigrants because they are an easy political scapegoat


Yes. Everyday was a fight for survival and it was much more dangerous, and survival rates were way lower. However, anthropologists suggest that hunter gatherers only worked 20-40 hours a week.   We no longer have these problems though, so why are we still working like we do?


"As per the age of your son you mentions i would suggest Yes, charge them an interest amount but lesser than the market rate. And give them a valid reason behind taking interest on given amount. The reason you might grab from below real incident happen with me at the time of Diwali last year. I am 26, and i am currently doing job and my salary is not so much that i can accomplish all my dreams of buying expensive Watch and many things. So i borrowed some strong amount from my mom. She gave me the amount but she asked me to pay interest of 5% and when i asked the reason behind demanding the interest she said something which was valuable things. She said me ""If i would not give you money then you will definitely ask money from some money lenders or your friends because now that watch is your first priority. And in that case you need to pay the higher interest rate to them. And in life there might be situation where we would not capable to help you in terms of financial. So this is the time you should learn to pay interest and responsibility of borrowing amount and repaying it on time with interest rate. This will help you also to learn a lesson and our money will be withing home I am not expert in parenting because i am still unmarried but i shared my point of view for your question. Thanks"


Generally speaking, yes management consulting is a con.  On the other hand there are some truly insightful people who can, with one idea, improve a company by XX%.  The trick with this as with other advisors is to keep your head and keep searching till you find the real thing and cross your fingers that you will recognize it when you do.  That's life.


These advertisements try to take advantage of the short term memory loss of older people. If you keep an old person watching long enough they will forget why they started watching in the first place. Yet they trust themselves and assume that it was for a good reason. So the long winded salespitch succeeds with older people who tend to have more money to invest anyway.  Yes, I think that Motley Fool has jumped the shark.


Currently the FDIC insures deposits up to $250,000 per person per bank. The following products are covered if your bank is FDIC insured. http://en.wikipedia.org/wiki/Federal_Deposit_Insurance_Corporation#FDIC-insured_products


Simply if your stock is still rising in price keep it. If it is falling in price sell it and pay off your mortgage. To know when to do this is very easy. If it is currently rising you can put a trailing stop loss on it and sell it when it drops and hits your stop loss. A second easy method is to draw an uptrend line under the increasing price and then sell when the price drops down below the uptrend line, as per the chart below.  This will enable you to capture the bulk of the price movement upward and sell before the price drops too far down. You can then use the profits (after tax) to pay down your mortgage. Of course if the price is currently in a downtrend sell it ASAP.


TravelGuysOnline provides the best range of hotel and flights online! On our company website, you will get the widest range of budget hotels and flight. Our services are 100% free. We provide the Cheap flight offers with many of the airlines, to destinations all over the world. Whether you are taking the domestic flight and international flight. For more information, visit our company website and take advantage of our special offer.


7 billion people, a lot of unemployed/self-employed/poor who are disenchanted by corporations...  who cares if it's a ponzi scheme if it makes money? the suckers here are no different than the morons paying hundreds for iphones or canada goose coats...


The answer is maybe. I had a Chase card without a purchase in over 4 years get canceled out of the blue, without so much as a notification telling me it was at risk for cancelation. They told me they typically close accounts after 24 months of inactivity (not including card fees) but let mine go for longer because I have several other credit cards, savings and checking accounts with them. I would recommend spending at least once per year on the card.


"Were you just offered a car loan for 1.4%, or did you sign for a car loan for 1.4%? If you signed, it's too late. If you didn't sign:  You should realise that your car loan isn't really 1.4%. Nobody will give you a car loan for less than a mortgage loan. What really happened is that you gave up your chance to get a rebate on the car purchase. A car worth $18,000 will have a price tag of $20,000. You can buy it for cash and haggle the dealer down to $18,000, or you can take that ""cheap"" 1.4% loan and pay $20,000 for the car.  So if at all possible, you would try to get a cheap loan from your bank, possibly through your mortgage, so you can buy the car without taking a loan from the car dealer."


>[**Как быстро заработать 100 руб в интернете? Способ пассивного заработка в сети. Хайпы, которые платят [2:47]**](http://youtu.be/7lbDnWEDbWo)  >>Друзья, в этом видео, вы узнаете, какие проекты в скаме а какие платят. Так же, есть проект, в котором можно заработать без вложений  > [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7RK9aIUg) ^in ^People ^& ^Blogs  >*^13 ^views ^since ^Oct ^2017*  [^bot ^info](/r/youtubefactsbot/wiki/index)


It includes food and me pitching into utilities. I have priced it out and it would be fairly similar, I could save a bit if I didn't have the same diet as my family. Overall though I can't find much else that is largely better for my current income unfortunately.


Unoriginal movies that focus on franchises, sequels, and reboots.  I came of age in the mid 80s, which seems to me to be a golden era of movies.  When I was a senior in high school in 1984, my friends and I would pile into a car and just go to the movies.  We didn't know what we were going to watch or when it started, but we knew there would be something good there, even if we had to watch Ghostbusters for the second time or The Terminator for the fourth.  Maybe Gremlins, or The Karate Kid, or Beverly Hills Cop, or A Nightmare on Elm Street, or Amadeus, or The Temple of Doom, Romancing the Stone, Sixteen Candles again, Dune, or The Last Starfighter, or The Neverending Story, The Natural, Starman, Firestarter, or Night of the Comet once again, Revenge of the Nerds, Spinal-fucking-Tap, or the Adventures of Buckaroo Banzai, Dreamscape, Splash, or fucking Repo Man!    Cannibalistic Humanoid Underground Dwellers.


Oh yes! My policy is 5 stars unless something awful happened then detract based on how I feel. For example, a driver who was 10 minutes away to 35 minutes to get to me and called me a liar over the phone because I was at 1st ave N and not 1st ave W like he thought because he only knew W. He got 1 star...


"This is the best tl;dr I could make, [original](https://www.thefiscaltimes.com/2017/05/30/Trump-Says-Trade-Deficit-Germany-Very-Bad-It-Really) reduced by 86%. (I'm a bot) ***** > That&#039;s the difference between the $80.4 billion worth of U.S. exports to Germany and the $148.1 billion in German imports to the U.S. So, how does Germany stack up compared to the United States&#039; other trading partners? Well, there is no question that the trade imbalance with Germany accounts for a significant chunk of the U.S. trade deficit - about 14 percent in 2016.  > Even if the Trump administration were to somehow completely eliminate the U.S. trade deficit with Germany, it would mark a relatively small overall change in the total trade deficit.  > Trade economists take a far more nuanced view of the impact a trade deficit has on a country.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6el1e4/trump_says_the_trade_deficit_with_germany_is_very/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~133768 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **trade**^#1 **U.S.**^#2 **Germany**^#3 **deficit**^#4 **billion**^#5"


Investopedia does have tutorials about investments in different asset classes. Have you read them ? If you had heard of CFA, you can read their material if you can get hold of it or register for CFA. Their material is quite extensive and primarily designed for newbies.  This  is one helluva book and advice coming from persons who have showed and proved their tricks. And the good part is loads of advice in one single volume. And what they would suggest is probably opposite of what you would be doing in a hedge fund. And you can always trust google to fish out resources at the click of a button.


"My reply would be a serious, ""Oh my word! I was going to ask you the same thing!....guess that's a no from you"". I'd turn it back to them and let them be confused and think..gee..I guess she's not that much better off than me. Awkward but that's what I'd say."


I'm no proponent for wealth inheritance but the government taking it is no solution. Voluntary charity is which his children will most likely be doing. Doesn't matter if the money end up in the US or Asia though although personally I think Asia needs it more.


Offriamo a tutti i nostri clienti il trasporto gratuito con uno chauffeur privato che vi verra’ a prendere in hotel o da qualsiasi parte siate per accompagnarvi a trascorrere la notte migliore della vostra vita nei migliori nightclubs e locali erotici di Barcellona.


"If the cheque is crossed (as almost all are these days), it can only be paid into an account in the name of the person it was written out to: it cannot be paid into another's account, nor can it be ""cashed""1 – see the rules on ""Crossed"" cheques. Note: that while the recipient of the cheque cannot (legally) alter this state of afairs, the writer of a cheque that was printed pre-crossed can – at least technically – cancel the crossing (see above link). Probably the best the OP can do is pay in the cheque on the friend's behalf (as described in Ben Millwood's answer) and then either lend the friend some money until they are mobile and can get some cash to repay the OP (or have the friend write one of their own cheques which the OP can pay into their bank account). 1 As mentioned in the last section of the rules on crossed cheques, the only exception is that designated ""Cheque cashing shops"" have special arrangements to deposit cheques which they have cashed (after deducting a fee). However, they would (should?) require proof of identity (of the original payee) and so are unlikely to be of any help (and probably not worth the cost for £35).  Having said that, I've never used one, so have no idea how strict they are in practice."


The first thing to know is that the idea is not unique. The second thing to know is that there are already people working on the exact thing right now and none have finished it yet because they are worrying and procrastinating the same as you right now. Go and get it done!


most def.  When I have an algorithmic trading strategy I want to spitball, or some question about how to exploit netback pricing inefficiency between West Texas Intermediate and Brent prices based on some sort of shipping rate change, I'd like to post here.  When I want a new job, I'll go to r/financialcareers.


"It's possible to make money in the market - even millions if you ""play your cards right"". Taking the course being offered can be educational but highly unlikely to increase your chances of making millions. Experience and knowledge of the game will make you money. The stock market is a game."


Oh, well that's much more reasonable than what I thought you meant (that Perry was not retarded).  I would encourage you to look into Ron Paul.  I have never supported a politician in my entire life.  He is the first.


"This is the best tl;dr I could make, [original](https://www.nytimes.com/2017/10/20/us/politics/republicans-tax-401-k.html) reduced by 71%. (I'm a bot) ***** > Republicans drafting the tax bill have kept its details closely held, and they would not comment on Friday about whether 401(k) changes were under discussion.  > Republicans on the House Ways and Means Committee &quot;Are developing pro-growth tax reform policies that will encourage and support retirement savings for all Americans,&quot; a committee spokeswoman said.  > The tax framework that President Trump and congressional Republican leaders released last month promised to retain &quot;Tax benefits that encourage work, higher education and retirement security.&quot; It left the door open to changes in the current system, saying that &quot;The committees are encouraged to simplify these benefits to improve their efficiency and effectiveness.""   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/788pfk/republicans_consider_sharp_cut_in_401k/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~233609 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*: **tax**^#1 **save**^#2 **Republican**^#3 **retirement**^#4 **Committee**^#5"


I work in sales so I'm not entirely sure, but there is some crossover but more in the late stage. In the beginning they would mainly look at the financials and do the modeling. Operational due diligence is only done when there are real intentions to buy a company.


>there's nearly always a reasonable argument.  Seemingly, and at first glance, but it's almost always to benefit those who can afford lobbying the most and with deeper pockets once you really look at the wording of the argument. They've been at it for several decades so they know exactly the wording to use to appear as if it's for our benefit.


Since the first major piece of legislation he signed was the Russian sanctions bill, there is nothing significant to speak of, legislation-wise. There are claims of regulatory changes, the effects of which have neither been quantified nor seem as if they would be significant anyway.


as a company owner in Europe, that is correct. the employee would be gone with (iirc) 80% pay for a full year.  fuuuuuuuck that...  edit: what employees also mostly don't realize, a bunch of similar ages females create a lot of drama. seriously, I'm far from sexist, but it always turns out like that. if you have 3+ girls sitting together there will always be drama at some point. and I mean bad vibe karma that makes you so angry you just want to fire them all out of frustration.   but let me clarify, I do hire women, and I pay them the same amount I would pay a male employee. if you can work like a man, and there is no reason you can't, you're paid the same and you're treated the same.   I just got hyper selective of the characters I hire.


"The republican gov, changed state law, took over the town of Benton harbor, threw out their elected officials and appointed a state employee to run the town. The unellected state employee decided the town was going to spend money building this golf course and he didnt ask for input from anyone in the town.  It took them a while to get to the point but they got there.  republicans say it was ok to kill democracy in this town because  > “He got his friends down at the soup kitchen, took them to the polls and told them to vote,”  you know the usual, ""dems are bussing homeless leaches to vote, doesnt matter that most of their citizens only make less than 10k"


FICO score tracks credit, not checking or savings. Unless there was a credit line attached, no impact at all.


"My study times were as follows:  * L1:  Started studying for the December test in mid-September; spent approximately 110 hours total studying Schwesser materials.  * L2:  Failed the first time w/120 hrs of studying from Schwesser.  2nd time around started in February (of the year of the test), spent about 130 hours studying straight from CFAI.  * L3:  Started in February of the test year again, approximately 130 hours of studying CFAI material.  I almost never studied more than 2 hours straight at a time, but it was consistently 2 hrs a day - that matters.  How much you study is up to you.  You need to study until you can confidently do the problems they're going to ask (they actually telegraph these questions directly to you if you study the CFAI materials).  The number of hours spent studying, outside of the construct of ""do you understand this and can you replicate it,"" is irrelevant.  Good luck -  PS I had approximately 8 years of front-office experience as a sell-side market maker and buy-side execution trader before starting L1.  I had absolutely no understanding of corporate finance, financial reporting/analysis, and very little understanding of equity valuation before embarking on the coursework."


Stock trades are always between real buyers and real sellers. In thinly-traded small stocks, for example, you may not always be able to find a buyer when you want to sell. For most public companies, there is enough volume that individual investors can just about always fill their market orders.


"There's enough places that directly accept BitCoin today that, call it whatever you want, it looks, walks, and quacks like a duck.  And for transfers between two people that use different native currencies, it works a hell of a lot *better* and cheaper than most existing solutions.  As for ""growing faster"", in eight years Bitcoin has gone from nonexistent to the 266th biggest ""company"" (in terms of market cap) in the *world*.  Though still technically smaller than them, it makes the likes of Microsoft, Apple, and Google all look like sloths by comparison.  To address ""trust"" - You're conflating ""trust of the issuer"" with ""trust of the bag-man"".  With USD, you need to trust the good faith of the US Treasury; while that is certainly a pretty good bet, with Bitcoin, you don't need to trust **anyone**, because there *is* no issuing authority (no, not even the core devs could magically create more bitcoins out of thin air).  That's different than, for example, trusting an online wallet or exchange with it, because then you have a third party holding your assets that *can* vanish to the Caymans overnight... But that wouldn't be any less true if you trusted USD to a random guy online.  All that said, I'm **still** not invested in it because, although I love me some high return high volatility, I *don't* like the high risk of governments making my assets illegal overnight (China and Russia have already done so, though *for now* it seems more a statement of official policy than a real crime they go after people for).  But as a medium of exchange - You *bet* I keep a small amount in my offline wallet for convenience!"


"I heard today while listening to an accounting podcast that a balance sheet... can be used to determine if a company has enough money to pay its employees.  The ""money"" that you're looking at is specifically cash on the balance sheet. The cash flows document mentioned is just a more-finance-related document that explains how we ended at cash on the balance sheet.   ...even looking for a job This is critical, that i don't believe many people look at when searching for a job. Using the ratios listed below can (and many others), one can determine if the business they are applying for will be around in the next five years.   Can someone provide me a pair of examples (one good)? My favorite example of a high cash company is Nintendo. Rolling at 570 Billion USD IN CASH ALONE is astonishing. Using the ratios we can see how well they are doing.  Can someone provide me a pair of examples (one bad)? Tesla is a good example of the later on being cash poor.   Walk me though how to understand such a document? *Note: This question is highly complex and will take months of reading to fully comprehend the components that make up the financial statements. I would recommend that this question be posted completely separate."


Gold and silver are for after the crisis, not during.  Gold and silver are far more likely to be able to be exchanged for things you need, since they are rare, easily divided, etc. Getting land away from where the crap is happening is also good, but it's more than that.  Say you have land somewhere.  How will the locals view you if you move there to hunker down only when things go bad?  They won't really trust you, and you'll inherit a new set of problems.  Building relationships in an off-the-beaten-path area requires a time investment. Investing in lifestyle in general is good.  Lifestyle isn't just toys, but it's privacy, peace of mind, relationships with people with whom you can barter skills, as well as the skills you might think you'd need to do more than just get by in whatever scenario you envision. For the immediate crisis, you'd better have the things you'll need for a few months.  Stores probably won't be supplied on any regular basis, and the shelves will be bare.  Trying to use gold or silver during the crisis just makes you a target for theft.  With regard to food, it's best to get acclimated to a diet of what you'd have on hand.  If you get freeze-dried food, eat it now, so that it's not a shock to your system when you have to eat it. (Can you tell I've been thinking about this? :) )


Note: My sister works for one of the largest clinical development, testing, and commercialization companies so I know some of the key issues but not all. This answer does not constitute advice on any particular stock or other instrument. This is mostly well researched opinion. The problem with biotech companies (and a few other areas of technology) is that a lot of money is spent, and debt incurred, on ensuring that products are effective and safe to go to market. At any stage these tests can fail and the product is essentially worthless. At this stage the developers will have learnt a lot about the drug and how it is as efficacious as it is and so the next iteration of the potential drug will be better and hopefully less likely to cause complications and harmful side effects. The process of gaining approval for this second iteration is just as expensive, if not more so, than the last. This means that they are spending a lot of money on the drug and, for small biotech companies concentrating on one or few drugs, will have little to no income generation to offset this. If the money runs out before they get the product out they are bankrupt even if the drug is perfect. A second issue is that they are not the only firm looking for a cure. They might have a very good drug that works very well but another company may have a better one in the pipeline that will either take their monopoly position or take all of their business based on the relative cost and efficacy. The longer it takes them to get through testing, the more likely it is that this will happen and the more likely it is that the competing drug will be first to market and receive all of the free publicity that goes with that. In this case the risk is that they have a product (eventually) but no market for it and so will again run out of money. Another consideration is what the cure is actually worth. Prevention and awareness is already reducing the number of (wealthy) western people who have HIV and so the market size is falling where the most profit can be made. In order to get any return on your investment a profit will be required. Where HIV rates are rising is in poor countries in Africa, Asia, and south America where the price at which people could afford to buy a cure is likely to be lower than even the break even price for the firm. In this case you have a monopoly and a drug that works but no one can afford to buy it for a price that you can accept and still make a profit. Biotech is a very risky, but potentially lucrative, area because there are just so many risks at every stage. Price volatility occurs on rumour and questionable statements from the company (who are always trying to be positive so that their funding doesn't dry up) and even relatively small trades can move the market a large amount as few people want to sell an investment with so much potential. There are also some charged political positions with regard to HIV and AIDS, so a shift in political power could also derail a biotech firm that is researching this kind of drug.


No, you cannot write off time, period. You should price the time spent into your product. I, occasionally, work on side projects of my own and forgo the   possibility of earning direct income for that time. Income not earned is income not taxed, so there's nothing to deduct.


1 Primary acct. Receive and distribute money to all other accts. For security do not permit debit cards to touch or payment pull from this account.  All joint bills paid here. Attach a savings acct and credit card to this account for accruing taxes vacation money blah blah. This will facilitate managing instead of storing your funds. 2 Push distributions to one or two other individual accounts on whatever basis works. Cash groceries incidentals. Debit cards here.


If you're looking at colleges to expand economic opportunity, then it will never be solved.  By the time someone goes into college it's too late.  If you want to give a kid the best opportunity in life, make sure it's born into a stable two-parent family environment.  The statistics don't lie.


Quite possible, although I doubt those will play a significant role in the near future. Aside from robbing students of the whole 'college experience', 'virtual' classrooms can't really re-create one of the most important factors of college/university education: networking.   The reason rich people send their kids to expensive schools is not that the education there is necessarily better, but because they are sure to meet other rich people's kids there, which creates business opportunities.   A similar thing, albeit at another level, happens at every college in every town in every country. If there is no campus, there is no (or, at best, very little) networking.


"I assume your employer does standard withholding?  Then what you need to do is figure what bracket that puts you in after you've done all your normal deductions.  Let's say it's 25%.  Then multiply your freelance income after business expenses, and that's your estimated tax, approximately.  (Unless the income causes you to jump a bracket.) To that you have to add approximately 12-13% Social Security/Medicare for income between the $90K and $118,500.  Filling out Form 1040SSE will give you a better estimate. But there is a ""safe harbor"" provision, in that if what you pay in estimated tax (and withholding) this year is at least as much as you owed last year, there's no penalty.  I've always done mine this way, dividing last year's tax by 4, since my income is quite variable, and I've never been able to make sense of the worksheets on the 1040-ES."


"The question mentions a trailing stop. A trailing stop is a type of stop loss order. It allows you to protect your profit on the stock, while ""keeping you in the stock"". A trailing stop is specified as a percentage of market price e.g. you might want to set a trailing stop at 5%, or 10% below the market price. A trailing stop goes up along with the market price, but if the market price drops it doesn't move down too. The idea is that it is there to ""catch"" your profit, if the market suddenly moves quickly against you. There is a nice explanation of how that works in the section titled Trailing Stops here. (The URL for the page, ""Tailing Stops"" is misleading, and a typo, I suspect.)"


Another thing to consider is how much longer you wish to stay in this home & what you will do with it when you move. I had planned on doing exactly this, but we are more likely to keep our home when we move out and use it as rental property.  If we went down this route, we would have a lot of equity  (perhaps even paid off) in our home, but would have little left to save towards the next home down payment.


One year patent limit isn't ludicrous for a simple reason. It doesn't require any measurement that can be abused. Ideally, the patent holder is recompensed for the cost for research and development and after that, competition should be allowed to take over. The trouble is anything involving cost can be and has been abused. A simple one year limit is hard to game.


"> Do you even know these people and their history to know that they are ""undeserving"" of higher pay?  if they were worth more, other businesses would offer them higher higher pay. they aren't forced to work for walmart. but if their work makes a business $10/hr, it makes no sense for businesses to offer them more than that - it's a loss to the business.   > Your comments show immense naivety and lack of empathy.  i'm just a med student, but i plan on giving a lot in charity once i'm working. and i'll bet you my charity givings will do many times more good than the gov't would do with it. watch just 2 minutes from this speech. it explains my views.   http://www.youtube.com/watch?v=18zqtVcGxAA#t=7m55s"


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For futures, you are obligated to puchase the security at $x when the contract expires.  For an option, you have the right or option to do so if it's favorable to you.


"> The longer you are unemployed, the less likely companies want to hire you, it's a vicious circle.  This circle is even more vicious when you're older. When you're under 30, you can still write off that time as ""you were trying to find your passion."" When you're 45 with kids, a year being unemployed is like 5 years of unemployment for a 28 year old. Employers really wonder."


"Can anyone provide data regarding automobile sales, types of cars produced, and gains in employment as a result? I realize the post states ""The increase in auto production mirrors the growing strength of America’s manufacturing sector, which has added more than 700,000 jobs since early 2010."", but I am specifically asking for automobile industry employment. Increased automobile production does not necessarily signify a stabilizing economy or a positive economy."


One's paycheck typically has a YTD (year to date) number that will end on the latest check of the year. I am paid bi-weekly, and my first 2012 check was for work 12/25 - 1/7. So, for my own balance sheet, brokerage statements and stock valuations end 12/31, but my pay ended 12/24. And then a new sheet starts.


I wasn't disagreeing with you, but I can understand why you might have that knee-jerk reaction.   I was pointing out that people have been banned from the main subs because they spoke out against left wing dogma.  Which, for the record, isn't necessarily better or worse than right wing dogma, it's just the controlling force in our society right now.


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"Yea. I know the dimensions too. And it is the exact same wood because it is all imported from the US. The Japanese mills cut wood to mm, but the imported dimensional lumber from the US is cheaper - but not used in house framing whatsoever - people use it for decks and sheds and benches and whatnot.   Having the ""name"" for the board be a dimension the board isn't - and not display the actual dimensions as well is lame. That is the key point I have learned being here in Japan.   They have an array of 2x4 6,8,10,12, &16ft boards labeled as such and the mm right below them.   When I buy 30x40mm thin lumber, that lumber is 30x40 *exactly*, there is no assumption the actual dimension is smaller. The fact that you need to know that the actual dimensions is smaller for US dimensional lumber is both traditional and asinine. ""Inches"" means nothing to Japanese people. They don't know the actual dimensions are wrong. So it never bothers them - everything is displayed in *actual* millimeters, so they are not  affected by such weirdness.   2x4 lumber is common and well understood by most people in the US. But they should also have the exact dimensions displayed as well- because ""most"" isn't ""all""."


It's tough to avoid the discussion of taxes. Matthew's answer was excellent but of course, tax was part of the discussion.  In an article I wrote a while back, The 15% solution, I described how one can optimize taxes paid by using Roth (401 or IRA) while at a marginal 15%, and carefully transition to pretax to avoid the 25% bracket. It's possible to effectively save money from a 25% rate and withdraw it at 0%. (Zero is what one pays for the first $20K of a couple's income, this is the combined standard deduction and personal exemptions.) It would take $500K at retirement to produce the $20,000 withdrawal at a 4% rate. Keep in mind, this is a moving target as the numbers edge up each year.  With no match, I'd consider the Roth IRA. But I also agree, paying higher interest debt first is a wise priority.


"The only thing worse than finding out you are paid less than a co-worker is finding out that you are paid more than all of your co-workers. A lot of people who *think* they would prefer an open and transparent pay-scale (as in unions), change their minds, when placed in one.   I have worked in and implemented both types, as both an employee and as an owner/manager. There are pluses and minuses to both.   - ""Transparent"" pay-scale is most effective in a high-turnover, aggressively performance-metric-oriented environment where you expect people to be competing for jobs, including their own job, every day. For example, a pool of commissioned sales-agents: the more you sell, the more you make. Winner gets a Cadillac. Runner-up gets a set of steak knives. Loser gets fired, that kind of thing. If you can't meet your numbers, we let other people start poaching your territory/clients and see what they can do.   - Where it doesn't work is in a salary-type position where people are expected to have multiple ""soft"" duties outside of core performance metrics. The reasons are multi-fold:  - One immediate effect of implementing performance-based pay for salary-type employees is that people who are in the office for 8 hours a day, five days a week, immediate start devoting their time and energy towards getting another notch up on the pay-scale, even at the expense of their co-workers, or the company. It intrinsically incentivizes ""gaming the system"", finding ways to attach your name to easy metrics, and to remove yourself from the most difficult problems. The people who are best at hitting metrics are often not even close to the MVPs.   - If instead you take a ""soft metrics"" or subjective/holistic approach to evaluation, then you get a culture of brown-nosing and office-politics. People start sabotaging the ""boss's favorite"" and pursuing approval and credit, rather than performance. Instead of fostering a team-oriented, problem-solving approach, it fosters a counter-productive buck-passing, credit-grabbing, and blame-avoidance approach.   Note that both of the above intrinsically incentivize risk-avoidance. If you get paid for the number of projects that have your name on them, you find some way to get your name attached to every project, and then move on to the next one, whether the last one was done or not. If you get based on how ""successful"" the projects bearing your name are, then you avoid anything challenging and make sure only to be attached to the easy ones with the best co-workers. And so on.   - Alternately, let's say we keep the same, generic, salary-oriented pay-structure, we just make everyone in a certain ""tier"" get equal salary, that everyone knows. That sucks all the life out of everyone's sails so fast it will make your head spin: you cannot get a raise for doing a better job, you get paid the same raise as your worst co-worker, every year, for as long as you work here. We will never cut your pay, all you have to do is not be the canary in the coalmine-- so long as you can identify the worst performer in your group, and so long as it's not you, your job is safe. What time do you have to arrive? 5 minutes earlier than the latest-arriving person. How early can you leave? 5 minutes after the earliest one to check out. How much work do you have to get done? Only as much as anyone else is doing. What will you get for being the hardest-working, earliest-to-arrive, latest-to-leave? The same as the worst performer gets: you'll be splitting your raise with him, since we don't credit individuals here, just job-titles.   Most jobs that can be easily automated, are automated. If you need a human employee to do it, it's usually because it involves a nontrivial amount of ""soft"" skills and fuzzy-logic type thinking and behavior. A machine programmed purely to make as many widgets per hour as possible, and motivated to so with human-style skills, ingenuity, and incentives, will tear down the whole factory and dismantle all its co-workers and ignore all quality-controls in order to keep producing widgets.   You can't reduce human beings to input-process-output flowcharts (or rather you can, but they will invariably find unintended ways to outsmart your design criteria, with unintended consequences). The reason you need a person instead of an automated process is because you need a whole host hard-to-define, soft/fuzzy/flexible critical-thinking type skills.   **Everyone's job seems easier to the people who don't have to do it, and there is a tremendous hidden danger to de-valuing personal desire to do a subjectively ""good job"" by quantifying/genericizing the value of their contribution.**  Personnel management is very difficult to reduce to an engineering problem. You usually need good managers who can identify and motivate good employees, who will feel lucky to have the job and the salary they have, and who will come in every day trying to earn it. Posting everyone's pay on a bulletin-board negates all those ""soft"" skills, by putting a quantified, black-and-white, relative value on everyone's contribution.   Even in a very large organization, the ""marketplace"" of employees is rarely large enough, and the quality of real-time metrics is almost never good enough to ""digitize"" the bell-curve of employee performance. You end up making it a square-wave that demotivates all but the most extreme outliers."


Lots of good advice so far. Here's some meta-advice. Read through everything here twice, and distill out what the big picture ideas are. Learn about what you need to know about them. Pick a strategy and/or long term goals. Work toward them. Get advice from many many places and distill it. This is currently known as crowd-sourcing but I've been doing it all my life. It's very effective. No one will ever care as much about your money as you. Some specific things I haven't seen mentioned (or not mentioned much):


"> Fiat money backed by sovereign nations who can control you with their military. I don't think bitcoin has the same kind of backing.  That's kind of the point.  People are choosing to use bitcoin voluntarily; forcing them by gunpoint isn't really what it's about.  It's supposed to be free market money, not fiat (""by decree"").    Bitcoin succeeds by both being competitive and resistant to hostilities from central authorities, it doesn't succeed through coercion.  That's a sign of its strength imo.  If it had a military backing it I certainly wouldn't support it.  The sooner we can free our monetary systems from the influence of violent coercion, the better."


If the mortgage is against your primary residence, then the only part that's (probably) deductible is the mortgage interest.  If you pay down your loan principal faster, then all other things being equal you'll get less of a tax deduction, because you'll accrue less interest in the months after you throw a big chunk at the principal (the principal is less, so the interest is less). But don't worry; that's all right!  It's a tax deduction, so your actual tax savings will be only a fraction of the interest you paid, so at the end of the day you'll be saving yourself money.


"Stocks with a low average daily trading volume (""thinly traded stocks"") will also tend to have higher spreads. So you'll tend to pay more when you buy and get less when you sell."


"> Put a touch-based Windows 7 OS on Surface and I believe you'd see an instant jump in sales.  A big part of windows 8 is just that.  The windows RT devices lacked the ""desktop"" part, which is basically windows 7."


> You are willing to participate in an unethical act just because it is convenient to a powerful few?  Wow, such a limited definition. Where do you live? I have lived in dense inner cities where eminent domain was used in extreme cases. I have seen houses ready to fall down, in which the tenants were living with black mold, but refused to move or fix it. Eminent domain was declared, and the house was levelled. The owners were paid (more than many would argue) a fair share for the house, and the neighbors no longer had a hazard living next door.


"Despite the unmarried status, you need to see a lawyer.  Essentially you have a business with this person owning a home as the asset, and a mortgage for which you are responsible for.  A lawyer needs to examine any paperwork you have and with knowledge of your particular jurisdiction's laws can advise you on the proper course of action. You paint a really ugly picture of this guy.  I bet you are correct that he is kind of a horrible person.  ""Tough love"" time:  You willingly entered into a long term contract with this person.  Why would you do such a thing?  Perhaps some self reflection and counseling is in order.  This is probably more important than worrying about your credit. All that being said, it is good of you to want to break ties with this person.  You can rebuild.  All will be good if you concentrate on the right things."


"You have a lack of credit history.  Lending is still tight since the recession and companies aren't as willing to take a gamble on people with no history. The secured credit card is the most direct route to building credit right now. I don't think you're going to be applicable for a department store card (pointless anyways and encourages wasteful spending) nor the gas card. Gas cards are credit cards, funded through a bank just like any ordinary credit card, only you are limited to gas purchases at a particular retailer. Although gas cards, department store cards and other limited usage types of credit cards have less requirements, in this post-financial crisis economy, credit is still stringent and a ""no history"" file is too risky for banks to take on. Having multiple hard inquiries won't help either. You do have a full-time job that pays well so the $500 deposit shouldn't be a problem for the secured credit card. After 6 months you'll get it back anyways. Just remember to pay off in full every month. After 6 months you'll be upgraded to a regular credit card and you will have established credit history."


His mom's death is very sad but also keep in mind it's the one and only problem he has that he didn't make for himself by being an Ayn Rand / Gordon Gekko asshole. His mom didn't make him sabotage Lyft, or ignore sexual harassment, or use the medical records of the Indian rape victim to strategize how to defeat her.


"A real simple definition or analogy of present Value would be the ""Principal"" or ""Loan Amount"" being lent and the future value as being returning the Principal along with cost of borrowing The (1+i)^n is the interest you earn on present value The (i+i)^-n is the interest you pay on future value The first one is the FVIF or future value of a $1 The second one is the PVIF or present value of a $1 Both these interest factors assume interest is paid annually, if the interest payment is made more often within the payment year then interest factors look this way m is the frequency of interest payment, the higher this frequency the more of interest you pay or earn and you pay or earn the most interest when compounding occurs on each small fraction of time This entails here e is the Euler's e  Thus the interest factors turn to this The preceeding examples only considered a single repayment at future date. Now if you were obliged to make periodic loan repayments say in amount of $1 for n number of periods. Then the present value of all such periodic payment is the ""Principal"" or amount you borrowed. This is the sum of discounted periodic payments as  if we replace 1/1+i with x then this turns out to be geometric series of the form This simplifies to  replacing (1/1+i) for x we get which is the present value of periodic payment in amount of $1 The future value of periodic payments in amount of $1 can be arrived at multiplying the PVIFA by (1+i)^n giving Once again the interest is compounded per annum and for intra-year compounding you would have to at first find the annual effective yield AEY to use as the effect rate is the PVIFA and FVIFA calculation for continuous compounding All the calculation discussed thus far did not take inflation into consideration, if we were to adjust the amounts for a growth of g% then the present value of a $1 would be as follow Once again you would have to use AEY if compounding frequency of interest is intra-year Now assume that each loan repayment increases or decreases by an extra amount Q per period. To find the present value of series of payments P that increase or decrease per period by an amount Q we would do the following calculations Here and All of these calculations have been available in tadXL add-in for finance and incrementally being offered as JavaScript financial functions library tadJS. Please note that the tad series of the financial functions library for various environments such as Excel, JavaScript, PHP, Ruby, Microsoft.net and others are property of the author writing this post. All of these libraries except one for Excel are available for FREE for public use. And the future value of such payments with increments may be found by multiplying the PV by (1+i)^n as follows Here"


I've done it 5 or 6 times.  I'm talking when the position drops by 10-15% in a matter of days and the vix spikes. My rationale is that the VIX cannot remain at 80+ levels for weeks.  It always reverts back to a calmer level and XIV gains back its losses. I'm not betting the house, just putting money on something that has always rewarded me.


"I hate to put down the beloved people of Woody Guthrie and Steinbeck, but it really is a bunch of descendents of Dust Bowl refugees from Oklahoma, Kansas, Texas, etc. who have been oppressed by the political powers since the 1930s. Many of their descendents have overcome the oppression and integrated but there is still a huge population of people descended from people who had to fight tooth and claw simply to get the right to work on farms for minimum wage, and now there's a huge working and often idle class of ignorant people known as ""white trash"" in California's Central Valley."


off label uses are not endorsed and the physicians cannot prescribe a medication solely for any use that's not on the fda-approved packaging. Even if it works. They often do, though. It's technically not permissible not because it's potentially unsafe, but because it's not a patented use of the active ingredient and the pharma company is losing money.   sources: degrees and working with senior execs from 2 top pharma companies.


You're offering a false choice where a lack of mega-corporations results in prices that are beyond the reach of a significant amount of people.  It is false because the mega-corporations have not always existed, and yet we did not have prices that were beyond the reach of a significant amount of people. In fact, our economy was actually a lot better and we had less income inequality across the board.


$23,000 Student Loans at 4% This represents guaranteed loss. Paying this off quickly is a conservative move, while your other investments may easily surpass 4% return, they are not guaranteed.  Should I just keep my money in my savings account since I want to keep   my money available? Or are there other options I have that are not   necessarily long term may provide better returns? This all depends on your plans, if you're just trying to keep cash in anticipation of the next big dip, you might strike gold, but you could just as easily miss out on significant market gains while waiting. People have a poor track record of predicting market down-turns. If you are concerned about how exposed to market risk you are in your current positions, then you may be more comfortable with a larger cash position. Savings/CDs are low-interest, but much lower risk. If you currently have no savings (you titled the section savings, but they all look like retirement/investment accounts), then I would recommend focusing on that first, getting a healthy emergency fund saved up, and budgeting for your car/house purchases.  There's no way to know if you'd be better off investing everything or piling up cash in the short-term. You have to decide how much risk you are comfortable with and act accordingly.


I just did this with a potential tenant. She said she was in her spot 5 years and wanted to move to a nicer place. She talked about money, her jobs, her habits. It wasn't until my second conversation that I picked up she was nervous because this was a big move for her.


"On #1: One way to make it less painful is to ""split"" your raises between yourself and your 401k. That is, if you get a 2% raise, increase your contribution to the 401K by 1% and keep the other 1%. Keep doing this until you are maxed out. You won't miss money you never had nearly as much as money you were used to living on. On #2: Yes, go with the Roth. Another consideration: If you are ever going to max out your 401K it is best to do it early even if you have to cut back later than to wait. Take advantage of the extra investment time while you are young."


The dating service era we find ourselves in is making it more difficult for us to connect and commit to a single person.  There is so much variety out there and the myriad of choices is firstly allowing us to shop around and experience single hood for longer, and secondly allowing us to drop our commitment to another person at the first sign of trouble.


Landelijke keuken kopen voor een warme sfeer? Bent u op zoek naar een keuken met een warme en gezellige uitstraling, dan is een landelijke keuken echt iets voor u. De details, het materiaalgebruik en de kleuren zorgen voor een warme sfeer in uw woning. Dus meer informatie bezoek onze website.


To be clear, a 401K is a vehicle, you make investments WITHIN it, if you choose poorly such as say putting all your money into company stock when working for the next Enron, you can still get hurt badly.  So it is important to have diversity and an appropriate risk level based on your age, tolerance for risk, etc. That said, as vehicles go it is outstanding, and the 'always max your 401K' is very very common advice for a large number of investing professionals, CFA's, pundits, etc.  That said there are a few priorities to consider here. First priority, if there is some level of company matching, grab that, it's hard to beat that kind of 'return' in almost any other case. Second, since you never want to tap into a 401K (if you can at all avoid it) before you are ready to retire, you should first be sure you have a good 'emergency fund' set aside in the event you lose your job, or some other major catastrophy happens.  Many recommend setting aside at least 6 months of basic living expenses.   Third, if you have any high interest debt (like credit card debt) pay that stuff down as fast as you can.  You'll save a ton of interest (it's pretty much the same as investing the money you use to pay it down, and getting a return equal to the interest rate you are paying, with zero risk.. can't be beat.  You'll also end up with a lot better cash flow, and the ability to start saving first and spending out of savings, so you earn interest instead of paying it. Once you have those things out of the way, then it is time to think about fully funding the  401K.  and keep in mind, since you don't pay taxes on it, the 'felt effect' to you pocket is about 80% or even less, of what goes into the account, so it's not as painful as you might think, and the hit to your take home may be less than you'd expect.  Contributing as much as you can, as early as you can also lets you benefit from the effect of compounding, and has a far larger affect on the balance than money put into the account closer to retirement.  So if you can afford to max it out, I surely would advise you to do so.


This is similar to your TFSA question. While the S in RRSP or TFSA stands for savings, it does not stipulate exactly what instruments you use to build up those savings. With few exceptions, you can hold any type of investment in either an RRSP or TFSA. Thus, do not think of them as savings accounts per se, but more like umbrella accounts, or plans. It's actually the financial industry that creates these misnomers of so-called RRSPs, which are usually GICs or balanced mutual funds held inside an RRSP plan, or TFSAs, which are literally savings accounts held inside a TFSA plan. The most versatile accounts are the self-directed RRSP or TFSA accounts, usually through a discount broker, where you can purchase many different types of investments inside your registered accounts, including stocks, bonds, mutual funds, GICs, gold, etc. Thus a share purchase plan held inside an RRSP is completely eligible and may be a sensible investment for retirement savings.


"You mention: High rent places are usually also high   property value places. Given the tax   incentives, it seems like a good long   term idea to grab a house, so if we   assume you have the option of working   and buying a house in a high CoL or a   low CoL city, I think you'd prefer the   high cost. Because essentially, after   30 years, you'd have a million dollar   house vs a quarter million dollar   house. You've captured three quarters   of a million dollars in rent, given my   napkin math hypothetical. I think you're forgetting about some of the associated costs with ""owning"" a home, including:"


Yes, very.  Opening a Roth - there is a limit of $5000 ($6000 if age 50 or older) for the year as well as a phaseout based on income, starting at $105K if single, $167K if married filing joint. Of course, this is for a new deposit, the choice is this or the conversion I discuss next... Conversion - there is no income limit. Taxes are due on the amount converted, either as income in 2010 or half the amount as income in each of '11 and '12. If any IRA money was not deducted, you add all IRA money and pro-rate the amount converted so it's not taxed twice.


If the company pays for Group Term Life Insurance, some of that premium payment may be taxable.  If memory serves, that's what's included in W-2 Box C. W-2 Box C has no bearing on Schedule C.


70% of our grain agriculture is actually spent on feeding livestock so we can eat a lot of meat. Eat less beef (as beef is specifically resource intensive) and this isn't a problem and we can actually work on solving the illegal immigration problem at the same time.


The best way to get what you want is to deserve it.  I like the top commenter here in how they lead off- be honest about everything. Show them you know you're new to the group and don't expect to know everything off the bat.  Start getting really involved in learning the business- read some books, ask your family a million questions, and take it seriously. The more you do at the beginning, the better off your journey will be.


All governments need to do is figure  out how to monitor, regulate and tax whenever BTC (or any crypto) is converted into dollars or merchandise.  The public ledger doesn't have names associated with it, but it does have public keys, which can be used to determine what other transactions have taken place that might not have been reported and how much crypto is in that wallet?  I agree with Ballsy12, there could be a dark side to crypto that we're not paying attention to because we're all so excited about the money we're making, but it's only money if we can spend it, and that's where it starts to get concerning.  Every transaction recorded is a bean counters wet dream.


"I feel like he's just doing this for the kicks and doesn't really believe in it. But then I see the numerous talks, the book etc and I can't decide. His entire basis for a ""idea meritocracy"" is that everyone should be truthful or ""radical transparency"". I do not see the connection at all. You cannot build an idea meritocracy because it inherently means you can judge if an idea succeeds or fails before implementing it. If you want to bias yourself toward successful ideas, it requires nothing more than allowing people to implement what they think and then rewarding the ones who succeed. Basically, I cannot see the point of this ""radical transparency"" etc.  Except for one possibility - his computer algorithm. I feel like that is his grasp at immortality and the algorithm requires stupid tons of data to function. So why not give it to the best source for such data? Top ivy league graduates and brilliant people hired by the one of the biggest hedge funds on the planet. And then sell them on this idea that ""radical transparency"" is the basis for all success in the firm, and ask them to start inputting data on it."


There are sites in India that offer this, http://www.intuit.in/ is one such site. Apart from this some banks like ICICI offer this to limited extent.


It doesn't make a difference if you will be keeping it in the 401K or transferring it to an IRA, it is still retirement money that you plan on investing for decades.  Pre-Enron many employees invested significant amounts of their retirement funds with the employer. One of the risks was that if a single stock was down at the wrong time, you were hurt if you needed to sell.  If you are going from an S&P 500 in the 401K to an S&P 500 in the IRA, it doesn't matter if the the market is up or down, the two funds will be pretty much in synch.


Rosewood Green offers buyers an affordable choice of registered land with a wide range of houses and land packages on offer from the area’s leading builders. Your new home will be close to the beautiful Rosewood golf course, local schools and train, and an easy commute to the city and RAAF base. All the benefits of country living close to the city.


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"I somewhat agree to Alex B's post.  I was a finance manager for 7 years both prime and sub-prime(special)(in other words bad).   The parts he's 100% right on.  Hit up you local credit union then your bank.  Get your financing done first if you can.  Now 690 credit score is one of 3 bureaus, not all banks and lending institutions use all three or the same one.  Also the score isn't everything.  That could be good or bad.  The 2-3% range is normally for the 720+ crowd unless its a manufacture.  (GM, Ford, so on)  With rates capping out at around 30% depending on state laws.  However 690 should not be 19% on a new or late model car.  At 690 at 19% you would have be going for a 70,000+ mile 6 year or older car if I had to guess. Assuming you have no BK's and repos.   Some times dealerships have to pay banks to get people financed.  Its hidden in the cost and they by law are not allowed to tell you about it because it cannot be passed on to you.  However the banks don't just fund any crazy amount of money either say like 115% of book and  that it.  That is where and why they want that big down payment because that is used to off set the finance amount and what you pay.  Making the dealership money.  and i can go on and on and on...   But you should always try to get the funding prior.  Your credit union won't charge the hidden fees and they only care about your down payment to see that you are making a commitment.  If you are buying used.  Save out 1500 for future repairs and tires and such.  Don't buy paint protectant and such.  If you finance thru the dealership and put less than 20% down DO buy Gap Insurance but thats it.  I can go on and on but I won't.  Feel free to ask though.   And to answer your original only question with not context. ""Is there any reason not to put a 35% down payment on a car?"" Yes if the money is better served paying off credit cards or long term mortgage, assuming you don't need the write off."


I think it says a lot more about you than anyone else, that you can't seem to imagine adults using recreational drugs responsibly.   When you think of someone who enjoys good beer, do you automatically picture the most cartoonish alcoholic you can muster?


In a generation of hardworking and earning people, it gets really difficult to discover people with whom one can spend their whole life. We start work early and we end it late, resulting in tiredness, loneliness and sometimes feeling of isolation. This is why we need matrimonial ads which make it very convenient for them to find a suitable partner.


I met with the hiring manager, then the Vice President of the department. The VP told me that she'd have HR send me an offer. They are old-fashioned and will be sending this out via US mail. It should come in soon.   There are plenty of jobs around here!


This are my opinions on the subject: -People are tired of the corrupt system of bankers who poorly manage money, Bitcoin is built on trust, and more people are starting to trust it. Can you trust a banker? NO. Can you trust computer systems built on strict code that will always do what you tell them too? YES. To understand why Bitcoin is safe, one must first understand the block-chain technology. MORE INFO -More companies are starting to accept Bitcoin as payment, which creates more trust in the system, which brings more people interest. LIST OF COMPANIES -Bitcoin is a worldwide coin, you can pay your friend in Japan with Bitcoin and the transaction is done in 10 minutes, as opposed to 5-7 business day if done through a bank. The banker fee is huge, the Bitcoin miner fee is minimal. -Bitcoin is like Gold but better, Bitcoin is not built for everyday transactions just like gold, its not built for buying coffee either, its built to retain value which is why there is a finite amount (21 million). -A huge benefit of bitcoin is anyone with a smartphone or a computer can download an App and start accepting Bitcoins as payments. Gold is not easily trade-able. Bitcoins is as simple as sending a picture message. (NOTE: More than 2 billion smartphone users around the world around 3.7 billion internet users around the world all capable of one day trading using bitcoin) LIVE INTERNET USERS -Keep in mind, there is more than one crypto currency, all built on different ideas and systems, all performing with incredible gains. MORE INFO


"Does some official tell the Foreign Exchange the the new exchange rate for the yuan is 0.98 * the current exchange rate? For China (and other countries with fixed/controlled exchange rates) - that's exactly how it happens. Does it just print more? This is the way to go for fully convertible currencies (like the USD, EUR, GBP, and handful of others, there're about 20 in the world). Flood the market and as with any commodity - flooding the market leads to a price drop. Obviously ""just print more"" is much harder to do than picking up the phone and saying ""Now you're buying/selling dollars at this price and if you don't I'll have you executed""."


You're just making that up.  Over the last five years, food prices are up 15%.  That's a lot.  Still, 10x lower than your claim.  Reference: http://metricmash.com/inflation.aspx?code=SAF11 Another: http://www.fas.org/sgp/crs/misc/R40545.pdf  Food inflation in 2012 is about 2.0, above overall inflation of about 1.7%.  It has been similar in the last four years.  Mind you, you wrote that inflation was 20% overall because food prices were going up *even higher than that.*  You're not just wrong.  You are *wildly* wrong, possibly in a paranoid way, about a topic that is very easy to get objective data on.  Any response that doesn't acknowledge that will be ignored.


This article is BS.  Middle management is a corporate disease that allows business to grow bigger while providing less service.  The more middle management there is, the more the business will dodge accountability, and the less they will respond to customer input.  That is not a dig at the people, that is simply a *function* of middle management -they are a class of employees who deal with fundamental problem but do not have the authority to make fundamental decisions.  Ass-covering and drifting out of touch are the natural results.


I'm assuming this was a cashless exercise because you had income show up on your w-2. When I had a similar situation, I did the following: If you made $50,000 in salary and $10,000 in stock options then your W-2 now says $60,000. You'll record that on your taxes just like it was regular income.  You'll also get a form that talks about your stock sale.   But remember, you bought and sold the stock within seconds.  Your forms will probably look like this: Bought stock: $10,000 Sold stock: $10,000 + $50 commission Total profit (loss): ($50) From the Turbotax/IRS view point, you lost $50 on the sale of the stock because you paid the commission, but the buy and sell prices were identical or nearly identical.


Business dealings are not kept secret from those within the company. You see it every day based on the strategy and objectives you're given as an employee.  Managers report to the CEO and he has to make decisions based on those reports.   And it really depends on the company.  But to say that CEOs are not important is clearly a mistake.


IT *IS* a cost center.   Investing in improving the operation a cost center to increase it's efficiency and reduce its overhead does not magically make it into not being a cost center.   IT will never make Home Depot or Lowes profit because they don't sell IT. It is a cost center.   http://www.investopedia.com/terms/c/cost-center.asp  If you want to get into pedantics, this is why Amazon is eating the world - they figured out how to take their largest cost centers (their retail IT operations and Logistics operations) and actually turn them into profit centers (Amazon AWS and Fulfilled by Amazon). As a result, Amazon actually does not HAVE many cost centers anymore.... they may have crappy margins, but when you eliminate cost centers outright, it will have dramatic results over time.  It is hard however to imagine Home Depot or Lowes figuring out a way to replicate this.


"Ok. I get it. They actively cut expenses on their overhead and payroll. My focus is on their brand-x products. Last time I was there I bought their brand-x Fritos to try. No marking at all as to who produces them or where.   My biggest fear is that they come from China or India where QC is, shall we say, lax. Or they use ingredients are ""farm animal"" quality. I can't imagine they are QC'ing the products on the factory floor of their vendors, assuming they care. It's all about the buck.  And on a side note, it gripes me to no end that a company can go through the huge time/expense to bring a product to market (like Frito's) only to have it ripped off by Aldi type brand-x copycats. Truthfully, if it wasn't for my mother (a German) pushing me to take her there, I'd never step foot in Aldi. The place truly creeps me out."


The NFL hate is the dumbest shit I've ever seen. Seriously, there has to be something wrong with you to buy into something that spectacularly stupid.   Kaep isn't even in the league anymore. Players had stopped their peaceful, low impact protest. This shit was over and handled until Fox brought it back from the dead.


"It actually works very well on Google Home, the issue is that I don't get free shipping until I reach the minimum.   Basically you say ""hey google buy baby wipes"" and it will give you choices and prices, or it will say something like ""last time you bought blah blah blah, buy the same?"" and you just say yes.   This is useful when you are in the kitchen and you notice you are out of paper towels or something like that and you can just order it. But again the stupid minimum makes it so I can't use it."


Math major here.  ODE is relatively useless.  Analysis, Linear Alg, and programming skills are going to be more helpful if you make it into quantitative role.  And no, ODE doesn't require anything but the basics in physics... and even then that shit will be given to you on a silver platter.  Kinematics at most.


Every student has a different level of understanding and the sense of languages, so there is different level of curriculum for the students according to their different levels of learning. Our learning institute can provide you the required atmosphere so you can adapt this language easily and within the least possible time.


Inflation also provides incentives for consumers to purchase now rather than later (which helps drive sales) and it provides incentive for money to be invested and put back into businesses, rather than held as cash, because you need to earn at least a little interest on your money just to break even.


Please do not focus solely on income tax, and ignore all of the other taxes that businesses need to pay.  Payroll taxes for example.  If I make $15/hr, I cost my employer more than this in reality.


If the company is stable. I like to recoup losses by buying in the valley and selling it all at the plateau and then learning as all beginners do, don't  buy stocks because there's a feeding frenzy...or because Joe told me too. Pick your strategy in stocks and learn to stick with that. If you have no strategy, buy land.


"Here's another rational reason: Discount. This typically works only in smaller stores, where you're talking directly to the owners, but it is sometimes possible to negotiate a few percent off the price when paying by check, since otherwise they'd have to give a few percent to the credit card company. (Occasionally the sales reps at larger stores have the authority to cut this deal, but it's far less common.) Not worth worrying about on small items, but if you're making a large purchase (a bedroom suite, for example) it can pay for lunch. And sometimes the store's willing to give you more discount than that, simply because with checks they don't have to worry about chargebacks or some of the other weirdnesses that can occur in credit card processing. Another reason: Nobody's very likely to steal you check number and try to write themselves a second check or otherwise use it without authorization. It's just too easy to steal credit card info these days to make printing checks worth the effort. But, in the end, the real answer is that there's no rational reason not to use checks. So it takes you a few seconds more to complete the transaction. What were you going to do with those seconds that makes them valuable? Especially if they're seconds that the store is spending bagging your purchase, so there's no lost time... and the effort really isn't all that different from signing the credit card authorization. Quoting Dean Inge: ""There are two kinds of fool. One says 'this is old, and therefore good.' The other says 'this is new, and therefore better.'"""


Depends on what measures were taken. *If* they followed standard best practices and were hacked, then would you still want them put out of business? Should airlines fold if one of their planes crashes?  Now if they were negligent, that's another story. You can read my other comment down the thread but shutting down Equifax is only going to hurt innocent people who had no say in the matter. Personally I don't think that is going to do the most good after the fact.


There are some useful comments about the tradeoffs of the decisions in front of you.  Intertwined with the financial choices, hopefully you can see a map opening up.   Make a little chart if it helps.  Benefit and Cost.  If you're looking for financial options, you will have to also add more columns to that chart:  Option and Cost. An example is the comment on making connections with rich kids.  Trust fund babies are everywhere in this country.  Did you know any rich kids while growing up?  How were those rich kids you knew of back then... in your school... in your town?  How did they treat you?  Were you ever invited to their parties or gatherings?  Now there's an opportunity for the privilege to pay a lot of money to sit in a classroom next to them?  Even in the early days of American history with merit based millionaires... tycoons who made it rich by the seat of their pants.  At fancy dinner parties and soirees, a new term emerged to put each other again out of reach: old money (the deserving) and new money (uncultured climbers).   That's my bias.  You'll have some of your own.  What is important to YOU has to come through because these days, the price tag of any higher education implies a considerable piece of your life's timeline will be committed to... something.  Make sure you get what you feel is worth that commitment. Take stock of what has been said here by the others, but put a value on those choices and seriously consider what you're willing to pay for... and what you're not.  There is no formula for your success as there's been thousands of exceptions... ESID (Every Situation is Different).


I think because that high price and the fact that you anyway have a limited time to buy it before the movie starts maximizes their revenue.


If you don't need 100% accuracy then GLD and SLV will work fine.   Over the long-term these converge quite nicely with the price of the metal.


If you can provide evidence that you are the person who opened the account (which may be as simple as providing your signature, since this isn't really different from asking for a bank check or inter-bank transfer or ATM-network transfer), there should be no problem. Contact your bank and ask them what information they need to provide.


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The stock had quite a run-up, so it was do to fall anyway. I would want it to fall further before I start buying shares. Best Buy will be around for the long term because people still need to see and feel the merchandise as well as get some good advice from the tech nerds in the store.  Circuit City got crushed, but Best Buy is the leader and will remain so. Online Commerce is growing like crazy, but the correctly-run brick and mortar stores will always be around.