For nearly a decade, The LA home blog  have been brokering real estate deals across the city.  Negotiating contracts, overseeing inspections, advising on loans, renovating and staging homes to prepare for market - we have built a team that is ready for any situation.


It's not a peer reviewed article in nature. It's an opinion piece on their website.   Don't be so foolish.   >Nobody here is passing any judgment on Trump, the OP is showing that there's a bias for people with higher education to vote liberal. That's just a fact, nobody is saying that this statistic invalidates conservative beliefs.  Get fucking real. They both came our guns blazing.


I think the answer to this must differ from country to country.  I have lived in several countries where the normal everyday way of making a payment is to instruct my bank to transfer the money to the recipient's account.  Of course this means I must know his name, SC and account number – but this is an accepted part of the system; businesses routinely display that information on invoices and correspondence.  It is simply not regarded as confidential. DumbCoder's comment suggests that if he has that information he can take money from my account without my permission – in other words, my bank will pay money out of my account on someone else's request, without my authority.  Is this correct?  In which country or countries can this happen?   (I must go there quickly and begin stealing people's money.)


I've found it's just simpler to keep all of my receipts rather than debate which receipts to keep and which to throw away. I shove all my receipts from August in an envelope labeled August.   Then, next year (12 months later) I shred the envelope.    That way, if I see a bank error, need to find a receipt to do a return or warranty work, etc. I have all of them available for a year.   Doing 1 envelope per month means I only have 12 envelopes at any time and I can shred an entire envelope without bothering to sort through receipts inside the envelope.


Why is Facebook a favorite pick among business owners? Easy, with its growing popularity as the most visited social network, Facebook provides a viable platform to start, sustain a seller-buyer and create relationship. Facebook makes it to the top list among business owners whose aim is not only to gain a wide market outreach, but also to create and sustain a closer, intimate relationship with actual and potential customers on the web. So, what makes Facebook marketing for business the best online tool? Because it works in four ways ...


Huh? I don't see how this effects inflation in practice.... (only in theory)  Basically, I sell short end bonds and buy longer end bonds pocketing the difference in yield and increasing my duration.  GLD and mining are hedges against inflation, markets are stupidly short term looking and care only about current expectations, if the current macro situation deteoriates we see prices fall.


"I'll start by focussing on the numbers. I highly recommend you get comfortable with spreadsheets to do these calculations on your own.  I assume a $200K loan, the mortgage for a $250K house. Scale this up or down as appropriate. For the rate, I used the current US average for the 30 and 15 year fixed loans. You can see 2 things. First, even with that lower rate to go 15 years, the payment required is 51% higher than with the 30. I'll get back to that. Second, to pay the 30 at 15 years, you'd need an extra $73. Because now you are paying at a 15 year pace, but with a 30 year rate. This is $876/yr to keep that flexibility. These are the numbers.  There are 2 camps in viewing the longer term debt. There are those who view debt as evil, the $900/mo payment would keep them up at night until it's gone, and they would prefer to have zero debt regardless of the lifestyle choices they'd need to make or the alternative uses of that money. To them, it's not your house as long as you have a mortgage. (But they're ok with the local tax assessor having a statutory lien and his hand out every quarter.) The flip side are those who will say this is the cheapest money you'll ever see, and you should have as large a mortgage as you can, for as long as you can. Treat the interest like rent, and invest your money.  My own view is more in the middle. Look at your situation. I'd prioritize  In my opinion, it makes little sense to focus on the mortgage unless and until the first 5 items above are in place. The extra $459 to go to 15? If it's not stealing from those other items or making your cash flow tight, go for it.  Keep one subtle point in mind, risk is like matter and energy, it's not created or destroyed but just moved around. Those who offer the cliche ""debt creates risk"" are correct, but the risk is not yours, it's the lender's. Looking at your own finances, liquidity is important. You can take the 15 year mortgage, and 10 years in, lose your job. The bank still wants its payments every month. Even if you had no mortgage, the tax collector is still there. To keep your risk low, you want a safety net that will cover you between jobs, illness, new babies being born, etc.  I've gone head to head with people insisting on prioritizing the mortgage payoff ahead of the matched 401(k) deposit. Funny, they'd prefer to owe $75K less, while that $75K could have been deposited pretax (so $100K, for those in the 25% bracket) and matched, to $200K. Don't make that mistake."


"In the case of Wells Fargo, I believe that free trading is linked to your overall banking relationship with the firm. So if you have a checking account with a balance of $X, or  a total relationship with the bank (""relationship"" is usually defined as loan balances + deposit balances) over a certain amount, they give you a plum like free stock trades. The theory behind this approach is that banks want to be a one-stop shop for you. The idea is that they can market the banks products to you over a period of years (lowering customer acquisition cost) and offer you a level of convenience that allows them to charge a premium for services. For example, many people will pay a rate or fee premium on a mortgage or car loan so that they can do all of their business in one place. In other cases, free trading is linked to marketing campaigns by funds. Charles Schwab started this with the ""no transaction fee"" mutual fund store many years ago -- transaction fees are actually paid for by the mutual funds who pay for placement in the program. ""Free ETF trade"" programs are similar."


I'll mirror what the others have said in that your expectations for returns are wildly out of line with reality. If you could achieve that with only moderate risk hopefully you can see that you could ladder those returns by re-investing them and become a billionaire in short order. You may have noticed that there are a lot of really financially savvy people who are not billionaires. So the math for your plan falls apart somewhere, obviously. However, in the spirit of being helpful, and with the caveat that super high returns involve super high risk I'll try and point you in the direction where this is theoretically possible, even if the odds would be better buying lottery tickets. One way to get more leverage from your money than just buying stocks is to buy options. With an options strategy your return/loss will be magnified greatly compared to buying stocks. That is, you can lose or gain a much higher multiplier of your original investment. That said, I don't advise doing that with any money that you can't afford to lose every penny of, because you likely will.


It's not really fair for him to say share buybacks are 4% of GDP, because share buybacks don't directly contribute to GDP. Presumably, if a company has excess cash than what can profitably be reinvested into the business, then it should return that cash to the shareholders (buybacks). Then, it is up to the shareholders to decide how to reallocate that capital. Theoretically, shareholders will allocate that capital into profitable ventures. The assumption being, distributing capital to profitable ventures is more efficient than distributing capital to non-profitable ventures. And the efficient distribution of capital should increase GDP in the long run.  If you believe that sort of thing. Personally, Id rather that every employee was paid a respectable wage for their labor, not the bare minimum that they'll accept to avoid starvation. But that's another issue all together, so nevermind.


Generally speaking, if the acquiring company buys less than 50% of the target, the acquirer would not claim any income until there was a dividend or the equity stock appreciated. With a dividend, the acqiring company would participate in and book earnings on the cash received. Without a dividend, equity stock of the target should theoretically rise to reflect higher retained income and the acquirer would book an unrealized gain to gross profit (I think). If the acquiring company buys more than 50% of the target, it is likely all revenues and expences would be consolidated and included in the acquiring company's respective accounts as if it was one cohesive whole. Any residual stake in the target owned by a third party would be reflected in a Minority Interest expense on the acquiring company's income statement.


"This question had better be asked of the 401k plan administrator rather than here. The plan document that you received when you began participating undoubtedly has a page or more of definitions of the terms used in the contract, and especially so if the meanings are nonstandard. For example, one would expect that a Final Distribution leaves a balance of $0 in the 401k account and so a ""per distribution"" fee is meaningless in the context of Final Distribution. As the post by mbhunter indicates, withdrawal and distribution seem to be used interchangeably in IRS documents, and so there probably is a nonstandard meaning assigned to these terms in the 401k document. Three possible nonstandard meanings of these two words come to mind. Withdrawal = at the request of the participant, and Distribution = as required by law, e.g. required minimum distribution Withdrawal = anything before age 59.5 or before termination of employment and Distribution =  anything after age 59.5 or after termination of employment Withdrawal = anything on which the 10% excise tax for premature distributions must be paid, or anything that is not eligible for rollover into another tax-deferred account and Distribution = anything on which the 10% excise tax does not need to be paid. But all the above is just idle speculation, and what matters is the plan   document's definitions of these terms, and that can be determined only   if you read your 401k plan document yourself. Reliance on the answers given   by the employer's HR department, or the plan administrator, as to what   the plan document says might or might not be advisable: even the IRS   has been known to give out incorrect information. In general, money cannot be withdrawn from a 401k plan and rolled over (or transferred via a trustee-to-trustee transfer) into another tax-deferred plan  while the participant is still employed by the sponsor of the 401k plan. Since most 401k plans have poor investment choices and excessive administrator fees, reflect that absent this prohibition, most people would with roll over money from their 401ks into their IRAs as often as feasible. You can withdraw money from a 401k account without paying the 10% excise tax for several reasons (including financial needs of various specified kinds), but you cannot then change your mind and put that money into your IRA, telling the IRA custodian that it is a rollover from the 401k. To do so will not just trigger the 10% excise tax on premature distributions from a 401k account, but you will also need to pay penalties for excess contributions to your IRA."


"If there is any fee at all on the cash advance, and zero interest on the student loans (for now), it's not worth it mathematically.  And for only 8 months of ""free"" money, it's rare for it to be worth it overall. You need to save a significant amount either by having a good net interest rate (e.g., saving 20% on another card and not paying any interest on the new loan) or by saving a lot on principal (e.g., paying off $100k now and not paying the interest on that for the next 8 months). I wouldn't worry about it hurting your credit score unless your credit is going to be evaluated during the time you're maxing your card. Part of your score (20-30% IIRC) is your credit utilization ratio, which is how much you have available vs. how much you're using. It's separate from the part that accounts for history, so it's only relevant at the time you're looked up."


I actually have a bit of experience with the supplier side of this. Having worked with other people attempting to get the business launched, I can shed a bit of insight. The primary reason for the pricing is that there simply isn't enough competition to warrant dropping the price any lower than it already is. Large companies such as Hallmark will typically buy card designs at 5% of the card's selling price. With their existing distribution network, this makes bringing in new and varied designs much easier for large companies that are already well established. Having talked with such designers in the past, someone working full time producing designs makes on average 30-60k annually from this, which is worth it to someone who doesn't want to jump through the hoops of actually getting into the business independently. The primary issue stifling competition is actually getting your product into stores. There are topics here that I cannot discuss due to NDA, but I can break down the overall outline for you: You need to start with a large number of designs, with enough variety that companies think could sell well. If you bring a handful of designs with you, no company is going to take your business venture seriously enough. You need to find a company that can stamp out a large production process for you. The company is going to need to be nice enough to take smaller purchase orders on the magnitude of several hundred cards, but also be capable of scaling that production to several hundreds of thousands of cards very quickly. For cards specifically, most companies want you to ship custom racks with your cards. Some companies may provide their own racks for stocking your product, but not all of them will. This will also cost a lot of money up front. You need to find a buyer for a company you want to sell your product to. This is important, and what killed our original business plans. Think Wal-Mart, Target, or even CVS Pharmacy. These big companies are going to have people who's entire job is to buy new products to put on their shelves. This is where networking is key, you need to find people with connections to these buyers if you're not already well established with them. You will also likely fail several times, either getting outright ignored, or through a broker that can't meet expectations. For example, we had a broker that introduced us to a buyer for a large store chain, and after several months of work we found out that this broker was just pulling our strings. Typically a company will want to test your product in a handful of stores to see if it will sell. For example, Target may want to test your product in 100-200 stores over 3 months and expect your product to sell at a minimum rate. Finally, you need to be able to scale your production. Suddenly you'll be asked to go from supplying 100 stores to supplying 1,800 stores with a deadline in 2 weeks. Buyers will even turn you down at this point if they don't think you can meet the production. All of this work takes at least a year, and typically takes several years to go from an initial product to having your product in every store. Without breaking the numbers down too much, we could make a profit of ~$1.60 for every $3 card that sold. That number doesn't cover the cost of racks and other overhead, that's just the per-card profit. Even then, people are more likely to go view the Hallmark or other big-name cards over your offering. Only when another company becomes a big powerhouse to be competitive will these companies be forced to drop their prices.


Video linked by /u/agntz3ro:  Title|Channel|Published|Duration|Likes|Total Views :----------:|:----------:|:----------:|:----------:|:----------:|:----------: [Predatory Lending: Last Week Tonight with John Oliver (HBO)](https://youtube.com/watch?v=PDylgzybWAw&t=32s)|LastWeekTonight|2014-08-11|0:16:32|57,425+ (97%)|8,921,002  > Payday loans put a staggering amount of Americans in debt....  ---  [^Info](https://np.reddit.com/r/youtubot/wiki/index) ^| [^/u/agntz3ro ^can ^delete](https://np.reddit.com/message/compose/?to=_youtubot_&subject=delete\%20comment&message=dmurx2j\%0A\%0AReason\%3A\%20\%2A\%2Aplease+help+us+improve\%2A\%2A) ^| ^v2.0.0


Many banks here have some kind of service that will do this for you. For example, Wells Fargo has 'Bill Pay On Line'. You can use this to make regular payments - for your rent or mortgage, car payment, utilities and so on. You can also go on line and pay any company or person. If they don't have the facilities to accept electronic payment, the bank will actually mail them a check.  See https://www.wellsfargo.com/online-banking/bill-pay/ and https://www.wellsfargo.com/wfonline/tour/olb/high_flash?deep_link=2 Bank of America has something similar, but this forum won't let me post more than two links.  Go to google and search the name of the bank with 'send payments' or 'pay on line'.


Ditto @MichaelBorgwardt Just to get concrete: I just checked one bank in India and they say they are paying 4% on savings accounts. I don't know what you're getting or if 4% is typical in India, but it's at least an example. So if the bank pays interest based on average daily balance, and you left the money in the bank for a week, you'd get 4%/52 = .077%. So on Rs 95,000 that would be Rs 73. I live in the US where typical interest on a savings account today is about 1%. So an equivalent amount of money -- I think that would be about $1,500 -- would get 1/52 of 1%, or 29 cents.  Don't leave the lights turned on while you do the calculations -- you'll spend more on the electricity than you make on the interest. :-) ** Addendum ** This suddenly reminds me ... I read a news story a few years ago about a man who was expecting a tax refund check from the IRS of a few hundred dollars, and when the check arrived it was for several million. Well obviously it was a mistake. But he came up with the clever idea: Deposit the check in an interest-bearing account. Promptly contact the IRS, inform them of the mistake, and ask how and where to go about returning the money. Hope that it takes at least a few days for them to figure everything out. Then keep the interest accumulated on the several-million dollars for the time that he had the money. And as he contacted them immediately about the error, they can't say he was trying to hide anything. It was a nice try, but it didn't work. They demanded he send them the interest as well as the principle.


The best way to do this would be to exchange the funds into USD and wire the funds to your bank account in the US. It is up to you whether you want to hold USD or Euros.  Depends if you plan to invest money in the US.


Of course for severe acute pain opioids make sense, that's what they are for. But marijuana still has pain reducing effects, and maybe taken in edible form a much healthier long term replacement for opioids or for certain conditions like glaucoma and epilepsy. Not saying I'm an expert or that marijuana is the cure- all but I'm sure it has a respectable place as medicine


"That's what the article says, yes.   >  The bad news is that this is only a ""temporary"" upgrade. Tesla tells us owners of 60- and 70-series models will only have access to the full battery pack until September 16, presumably time enough for the storm to subside and owners to head back home."


"> Are you trying to say that all the above will not help the economy and employment?  Well, let's go point by point on this one.  > reducing regulation  You do know that monopolies and mega corporations are bad for consumers, right? Over time, bad for consumers --> bad for economy --> bad for companies/employment. That's basic stuff.  > killing the PTT  Debatable at best. Depends on his ability to get a ""better deal"". From the fact that many countries have already tried to undercut on, this could cause more issues with trade, rather than fewer.  > killing NAFTA  See above.  > reducing immigration  Well, there's actually pretty strong evidence that increased immigration has a net positive impact on an economy. But you know, scary Mexicans or whatever.  > investing in infrastructure  I guess this depends on the type and cost of infrastructure. If you're talking about a giant wall, plus the roads that would be required to be built just to get the equipment and materials out to the remote border locations in question, only to have a questionable at best impact on illegal immigration, the investment would be a gigantic waste. I'd be interested in seeing specifics about these alleged investments (estimated costs and timeframes, etc), because I have serious doubts about the legitimacy of this claim.  > pulling out from wars (Syria)  When was the last time bombing a foreign country was used as a strategy for pulling out of a war? If he really were going to do such things, it would be great. But there's no evidence that that's happening anytime soon."


If a password has been reversed, will another line be added to the file containing the 0's, or will the line itself be replaced? Some hashes seem to be in the file twice, once starting with 0000 and the other a full 40 char hash. It is possible that two different hashes have the same last 35 characters, but exceedingly unlikely assuming the hashes are randomly distributed.


Facebook is worth money because it exploits humanity's social instincts to generate ad revenue. No website has ever managed to sustain that for more than 10 years (across generations) and at some point it should be a fantastic short.


> How do you purpose that these ventures be funded?   By starting small, selling shares, using profits + money from un-secured investors.  Banks are terrible investors: untold amount of them failed because of bad investments, and many of such Banks are still around just due to bailouts.   Landfills and garbage disposal services do provide value: they earn money from a service to dispose the garbage, a necessity for anyone.


"Because I'll be investing time, effort, energy and take some initial risks I would like to receive more shares (more than just purely financial contribution would suggest) I don't see money in that list.  How much money will you be contributing to your own project? Mutual understanding, focusing on big image, rather that covering each and every edge case. These kinds of one page agreements are an excellent ""idea"" and they work just fine when everyone is happy and everything is working well; they are an utter nightmare if anything goes sideways.  Coincidently, the reason you write anything down at all is to have everyone agree on the same big picture at the same time. People's memory of the original big picture gets fuzzy when their money might not come back to them.  You don't need to cover all edge cases, but you need to cover obvious negative outcomes.  What if you can't find a renter?  What if you're late paying someone back?  What if your vendor ""repairs"" something incorrectly?  What if you forget to get a permit and the vendor needs to come back to tear it all apart and redo the work?  What if your project needs more money, who is required to contribute, who has the option to contribute, who gets diluted?  Who is doing the work of managing the project, how much is that person getting paid, how is that person's pay determined, how can it be adjusted?  Is any work expected from any other investor, on what terms, who decides the terms?  What if you get an offer to buy the building, who decides to sell, etc and so forth and on and on and on... You write down an agreement so everyone's understanding of the agreement is recorded.  You write down what will happen in XYZ event so you don't argue about what you all should do when that event does ultimately occur.  You take as much equity as your other investors will allow you to have, and you give them as much as required to get their money.  Understand that the more cooks there are in the kitchen the more difficult it is to act on a problem when one arises; when not if. Your ego-stroking play to ""open source crowd-sourced wisdom"" is nothing more than a silly request for vague advice at no cost.  Starting a project on trust, transparency and integrity is naive.  This is about money.  Why on earth should anyone trust you with their money if you won't do the most basic step of stewardship and spend a couple hundred pounds to talk to a local professional about organizing your first ever project. To answer your question directly, the first precaution you should take is not taking money from any of your friends or family."


"It really depends on what your goals are.  If your intent is to benefit the charity, I'm sure that they would tell you that the sooner you give them the money, the better. If they think that the money would do them more good invested then spent, they will invest it.  The money you have sitting in your ""charitable account"" doesn't benefit anyone until you give it away. It really doesn't benefit you, either. You take your tax deduction when you contribute, and it is really out of your hands at this point.  The only reason I could see for using a charitable account this way is if you don't know who you want to give money to. If this is the case, you can contribute money to your charitable account now and take the tax deduction now, and wait to identify a worthy charity later.  But if I were you, I wouldn't wait too long to find someone to give the money to. There are lots of good organizations that would do a lot of good with that money, and the sooner they get it, the better. If you skip the charitable account and donate directly to them on a regular basis, you can experience the joy of partnering with a charity to help people. If you decide in the future to switch to a different charity, then you do so. Waiting until the ""right time"" to donate doesn't really do anyone any good."


Yes. The land is divided into smaller parts and residents own the land in the same proportion their stake in the apartment building.


Bad signs:


Let's say the company has a million shares valued at $10 each, so market caps is $10 million dollar = $10 per share. Actual value of the company is unknown, but should be close to that $10 million if the shares are not overvalued or undervalued.  If they issue 100,000 more shares at $10 each, the buyers pay a million dollar. Which goes into the bank account of the company. Which is now worth a million dollar more than before. Again, we don't know what it is worth, but the market caps should go up to $11 million dollar. And since you have now 1,100,000 shares, it's still $10 per share.  If the shares are sold below or above $10, then the share price should go down or up a bit. Worst case, if the company needs money, can't get a loan, and sells 200,000 shares for $5 each to raise a million dollars, there will be suspicion that the company is in trouble, and that will affect the share price negatively. And of course the share price should have dropped anyway because the new value is $11,000,000 for $1,200,000 shares or $9.17 per share.


">Why should ISPs be allowed to charge twice for the same service?  It isn't the same service.  >I as a consumer already pay for it.  You pay for the roads, but that doesn't entitle you to free delivery of goods from UPS or FedEx, does it?  >And I choose who gets my traffic.  It's interesting that you're viewing it as ""your traffic,"" considering that the content is being delivered *to you*, and not vice versa."


Your bank will convert it (taking a fee for that, of course). It might be delayed some days so it can clear (2-3 days).


Politics are never good for business.  Are they going to ban all transactions with nations where homosexuality is illegal?  Or will they use it to appease a group of people who don't drive business or profit in order to virtue signal.  Most likely the latter.


Toronto is small relative to the states. Have you considered moving to NYC or even Chicago?  Everyone seems to be wanting in right now. I know of a guy with a master's from the london school of economics, CFA level III who's just started as an unpaid intern(not me).  You might be better off working a job wherein you actually produce something good for people to make money rather than just siphoning funds from others. Then you'll have funds to start your own trading unit with talented people you respect and trust.


Does such insurance make any sense or is it just wasting money for passengers? As with most insurance, it depends. If you just look at the probability of a payout, the cost of the insurance, and the payout amount, then statistically it will always be better to avoid buying insurance. This is because there is a certain amount of overhead in an insurance company, like the commissions and salaries you mentioned. The goal when buying insurance should be to avoid a cost that you cannot afford or is inconvenient to be able to afford. For example, if your family would be devastated financially by your death then it would make sense for you to buy some sort of life insurance. Whether or not this particular insurance makes sense for you depends on your financial situation and risk tolerance.


Internet has brought a lot of changes to the current technological world. The main purpose of why people use internet is to find out the most relevant information that they really need. In the present day, one of the widely used source of news is the Newswire. To distribute information to a mass population, it is the simplest and the most preferred method that is mainly used by many business concerns and PR agencies to spread some effectual hearsay on the internet.


"Rules of Engagement. It's what allows for things like this to happen hopefully without sparking an all out war. From the article:  >Coalition officials then contacted their Russian counterparts via a ""de-confliction line"" to stop the firing. But about two hours after the first strike by pro-Syrian government forces, a Syrian SU-22 fighter dropped several bombs near SDF fighters south of Tabqah. > >""In accordance with rules of engagement and in collective self-defense of Coalition partnered forces,"" the release said, the SU-22 ""was immediately shot down by a U.S. F/A-18E Super Hornet."""


DFP Building Services are reliable and trusted professionals in refurbishments and remodeling of your home or any private building. Whether you are looking to remodel a single room or want to refurbish your entire house. Our teams of skilled professional are fully qualified. Our refurbishment service includes complete refurbishment, remodeling, plastering, flooring, carpentry whichever is required.


That's a very good point. As much as I love cars I'd be happy to have the choice of any high end car on demand at the touch of a button, and not have to maintain it or take the hit of depreciation.   The insurance premium then will be down to manufacturers or car suppliers, who are probably big enough to run their own insurance schemes.   In this scenario perhaps it doesn't bode well for Geico, unless they get into the car business.


"I hope that finally, for the first time, someone (Corzine) will go to jail for mishandling investments and financial transactions.  He invested clients money in something that they did not allow and not allowed by law, and, on top of that, a large amount of money has ""disappeared"".  No need for more financial regulation: the old ones, from the 60s and before cover this kind of crime. All the new regulations enacted after Saving & Loans, Enron, Worldcom, AIG/Subprime simply do not work. If someon wants to steal and cheat, they will do it despite the law.  Sending them to Jail will have better results!"


"When you pay the flight, hotel, conference attendance fees of $100: When you repay the credit card debt of $100: When you receive the gross salary of $5000: Your final balance sheet will show: Your final income statement will show: Under this method, your ""Salary"" account will show the salary net of business expense. The drawback is that the $4900 does not agree with your official documentation. For tax reporting purposes, you report $5000 to the tax agency, and if possible, report the $100 as Unreimbursed Employee Expenses (you weren't officially reimbursed). For more details see IRS Publication 529."


I'm not sure why you're getting downvotes.  Digital/internet companies are one of many types that excel for individuals because they have extremely low overhead. It takes barely anything to start up if you're doing something like consulting, advertising, etc.  Brick-and-mortar businesses are a much higher risk.


> No, because we would be there way faster if the moronic Republicans didn't fight it constantly. In fact, if it wasn't for those dickheads global warming wouldn't even be an issue.  What? You can't seriously think US Republicans are solely responsible for global climate change.


Depends on what you are doing, in energy trading it is all about R and SQL, I still use Python for scraping and as a general scripting language though. In my opinion if you know how to program in one language you can likely pick up a different language without too much trouble, at least that has been my experience. So for entry level just showing that you can program in anything might be enough.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-10-24/india-to-inject-32-billion-to-bolster-capital-at-state-banks) reduced by 81%. (I'm a bot) ***** > India will inject 2.11 trillion rupees of capital into state-controlled lenders over two years, an amount that&#039;s ten-fold higher than the government&#039;s previous pledge as it seeks to revive growth in Asia&#039;s third-largest economy.  > The government will sell 1.35 trillion rupees of recapitalization bonds while banks will raise another 760 billion rupees through &quot;Budgetary support&quot; and from the markets, Rajiv Kumar, banking secretary at India&#039;s Finance Ministry said at a briefing on Tuesday.  > The new funds will help banks, that have been plagued by rising stressed asset ratio, revive lending growth from a 25-year low.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/78pldf/india_to_inject_32_billion_into_state_banks_to/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~235025 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*: **Bank**^#1 **government**^#2 **lenders**^#3 **year**^#4 **India**^#5"


Mastercard rules also prohibit asking for ID along with the card. Yet, when I was at Disneyland, years ago (so I don't know if this is still a practice) they asked for my driver's license with every purchase. I can charge up to $200 at Costco with a swipe, not even a signature, but a $5 bottle of water (maybe it was $6) required me to produce my license.  The answer is Pete's comment, don't patronize these merchants. By the way, it's legal now. From Visa web site -  Note - 9* states still prohibit surcharges, so they tend to offer cash discounts. The question you linked is from 2010, things change.


CrimsonX did a great job highlighting the primary pros and cons of HSAs, so I won't go into detail there. However, I did want to point out another pro - HSAs are (or can be) easy to manage. You said: Is this a better way to approach health care costs instead of itemizing health care expenses on yearly federal taxes? I'm not sure which company you are looking at establishing your HSA with, but with mine I have a debit card that I use when paying for medical care and then at the end of the year I get a 1099-SA that provides the amount of money spent on qualified purchases that calendar year. Yes, there are a few extra boxes I need to fill in for my 1040 come tax time, but I don't need to itemize my healthcare costs over the year. It really is pretty simple and straightforward. Also, one con that is worth noting is that you become much more sensitive to healthcare costs due to the high deductible healthcare plan an HSA requires. For example, in all the years we've had an HSA we've not yet met our deductible, which means we pay out of pocket for any non-routine doctor visits. (The health insurer pays 100% of routine visits, like my wife's annual, well-baby check ups for the little one, and so on.) So, when you're feeling really sick and think a doctor's visit would be warranted, you have to make a decision: After being faced with this decision a time or two you will start to envy those who have just a $20 copay! Of course, that's just an emotional con. Each year I run the numbers on how much we spent per year on out of pocket plus premiums and compare it to what it would cost in premiums for an HMO-type plan, and the HSA plan always comes ahead. (In part because we are a pretty healthy family and I work for myself so do not get to enjoy group discount rates.) But I thought it worth mentioning because there are certainly times when I know I need to see a doctor or specialist and I cringe because I know I am going to be slapped with a big bill in the not too distant future!


Hahaha 'grand speech.' Good one.  I'm saying if I, an outsider, see a company paying people less than what I think the job is worth, but somehow the company retains employees, yes, I say nothing. Because it's none of my fucking business what a company pays it's employees. If they don't like it, they can walk. If they stay, (as they must do in order for you to complain about it) then clearly the wage is worth more than the alternative.  Or maybe you think the world owes you something?


It matters on the business. If we are talking human resources, sure. I can technically run 20 CNC mills (manufacturing) by my lonesome and make a killing. But yes, the more time you have, the more you can make. Time can be created through multiple people or multiple machines (job time becomes divisible).


"I'm not a fan of ""You have $2000 worth of transactions before you have to give us your checking account number"", even though they are nice enough to let us delete and recreate our accounts.  I wonder how many of the cuts are engineers and how many are bureaucrats."


For less than that you can get wings and nachos at a place on a college campus (so it isn't even cheap) and it will be more food than two people can possibly eat _and_ be really fucking good.  Now I want to go get nachos...


> A real choice to opt out would not require you to move.  Okay, let's imagine a system that gives you this freedom. Let's say people in the US can chose one of five governments to represent them.  How do you see the military being funded in this scenario?


200 is not normal. 140-160 including signing bonus, stock compensation, and base is doable if you go to the big tech companies. That said, it’s like getting into an Ivy League... most wont. I’d say 100-110 is common in the Bay Area.   To clarify, this is new grad. For experienced folks 200k total comp is common.


"> The fact that there is way more educated people than is even remotely necessary.   Yes, you got it!   I agree with you and this is the bottom of line of the whole story.  Once, to finish high school was not an easy accomplishment. To be accepted to college was an accomplishment, to survive the first year was an accomplishment, and not to mention to graduate with a bachelor degree.  The few who managed to accomplished that were accomplished men and women who got full benefits of their accomplishments, guaranteed!!!!  Today, also as a former adjunct professor in college, I can tell you you that anyone graduates from high school (""no student left behind""), everyone(!), many barely know how to read, write or even tackle a simple logical question. And same in college: I was told I can't fail my students except in extreme cases.  So what do we have here? You said it correct and clearly:  >Everybody having a college degree drives the value down for everybody...which is exactly what is happening.  Further! It's just an industry to make money, put people into debt, give them almost worthless pieces of papers, force them to also study for a master's degree and reduce the pay for qualified people with degrees. Even Harvard! You would think that for $80,000/year tuition, you get good education. Instead, you are put in a auditorium with 500 other students for lectures.  > Things need to be turned on their head.   Yes! You got it here too!  > I propose that Colleges need to receive their income as a percentage of the first 10-15 years of income from their students.  Disagree! I propose to make the requirements for finish high school and college degrees much much higher, as it was in the past.  As you said, too many people have [worthless] degrees!!!!  The few who get degree, are accomplished people and will reap the benefits, including their employers.   This is also the best formula for people to come out of poverty and low social-economic family background.  Right now, if you are smart but from a poor background, oh yes, you get a degree, but it's worthless and won't help you much.   But if the requirements are high, and you are smart, you are all set!  As for people who fail high school and don't get degrees, they will not be spoiled as today's kids with all their degrees! Someone needs to be a plumber, electrician, trade or a clerk. And these jobs make very good many, much better than bank tellers with a bachelor degree.  Finally, there's no way someone who graduate high school today, even a relatively good student, that they could survive high school of the 50s and 60s. They will fail miserably, also for bad attitudes, discipline, and capacity to handle simple requirements."


>  it allows for teachers to teach in a certain way that is better for their demographic.  It doesn't teach the teachers spanish, or give the school the higher funding needed for special needs kids.  There are schools for secondary english speakers and special needs kids.  But with a voucher system, that doesn't get designated, it gets discovered after kids start failing, because they can't understand the teacher.  And even after it is discovered, there's no fix for it because the vouchers have soaked up all the funding.  > You don't get either of those at schools where there is almost no poverty.   Crazy officer Bob is at the private school down the road, behind a white picket steel tipped fence, 500 cameras and a 20 man team of idiots just like him.   I've been in jails that weren't as oppressive as that really nice school.


You should begin job searching NOW. I'm going to echo the rest of everyone here and say that the CFA is nice and all but not key to getting a job. Get networking and get experience. Without experience, you have a lot of knowledge that you've never used before in a practical setting and practical knowledge trumps textbook knowledge most days of the week.


That makes me happy, they really portrayed Ray as an asshole, but it took a lot of vision and hard work to build that kind of empire, and it clearly wouldn't have been the same if left to the brothers. I'm glad they were happy with their buyout. I'm not sure I would be after seeing what it would become.


"Many in management seem to live in an alternate reality from those who work for a living. When IBM shunted some techs into another company they put them on probation for a year (even though they were high performers - some with 25+ years at IBM = no job security) and cut their pay 25%.  The next time they went to move workers the first question was ""how much is the pay cut this time"". Management's reply, ""No pay cut because we found when we did it before it negatively affected morale.""   I thought: ""No kidding. They had to actually cut people's pay 25% to figure that out? What planet DO they live on?"""


Let me try to explain my viewpoint on this, because to come right out with it would lead to an onslaught of downvotes immediately without consideration.  Suppose you have a Methodist church that needs a new pastor. The qualifications would include, among many other things, a basic understanding of and belief in Chrisitianity. Hiring someone who didn't subscribe to their religion would defeat the purpose of the job. You could say that religious beliefs are inherent to the position, which is accounted for in our legal system as an exception.  On the other hand, imagine an atheist organization of some sorts wants to hire a new chairman. Other qualities aside, what do you think would be the one trait required of said position? Atheism, obviously. Would it be wrong to deny someone this job if they were a strident Baptist? Not really. The organization is promoting atheism, so said candidate's beliefs would cause an issue with their overall goals.  I guess what I'm trying to point out is that if you're specifically a religious company (or specifically *not* a religious company), it would make sense to hire along those lines.   This lightbulb company has chosen to organize itself strongly around Christian employees. In a way, they've dug their own grave by limiting their pool of applicants to, it would seem, rather zealous adherents. It's one of those situations that's unfortunate, but I don't necessarily think there's a basis for it to be *illegal*.   If he was a long-term employee of theirs and they had wrongfully terminated them, that'd be a different situation altogether. This was just a job interview.


It's not my fault that she didn't know better.    I never said she should abstain from sex if she didn't want to get pregnant.  You misunderstood what I said.  If you are in a situation like her, you should either take extra precautions when having sex or just avoid having it until you get to a better place.  She obviously wasn't responsible enough to have sex safely so yes, I think it would have been wise for her to abstained from sex until she got her life in a better place.


It doesn't make rational sense, if you think the goal of having money is to have more money.  On the other hand, imagine you are someone for whom the goal of having money is to feel powerful, successful, and to be able to tell the world in no uncertain terms to fuck itself. Imagine on top of that, you already have enough money that _your money alone_ is earning you enough to keep you in the good life, and will likely continue to do so for a long time.  In that position, being able to hold a cheque for $300m and _not_ cash it would be the ultimate validation of all the things you got rich for in the first place.


I think its unrelated, The other stock companies were already taking a beating.. Then this news gives traders a good reason to beat it up some more. It's a good time to buy they will surely go back up. This is nothing the market cant recover from.


no, he sat next to the wife of the bigshot. who (for whatever reasons) then coaxed her husband into giving him a job. that is lucky even for a well-connected person. he sits at another spot... no job. (he wasn't actively seeking employment at Salomon)


Sure.  PM me a dropbox link or something or your e-mail address and we can connect that way.  Biggest piece of advice, get on the phone and just call call call.  Have a pitch ready that's clean and clear and don't be afraid of no.  This is the time for you to learn how to call and sell, cuz that's what it's probably going to take in today's market.  Differentiate yourself.  No other new graduates are calling business leaders... maybe that's why you deserve the job.


These Japanese devices are known as the shonishin and they are not embedded into the body but rather kneaded to fortify the skin meridians. The instruments utilized for the different needle therapy can be silver, gold, and stainless steel and copper they can be cleaned disinfected and reused.


"I think the idea is ""freedom of the press goes to the guy who owns the press""  In terms of false advertising, that applies to an outright lie ""our paint lasts forever"" and it doesn't. There are all kinds of laws and precedent which protects advertisers from their own lies. Look up ""puffery"" as an example. Judges figure you if you are stupid enough to believe, for example, any claim made regarding supplements, alternative medicine, ""natural foods"" and so on, well too bad for you.   It sucks but thats the way it is.   Even if, for some reason, preventing negative reviews were possible legally, they'd just use sock puppets to post positive ones. Look at many of the comments concerning products on Reddit. Can it be that so many people are passionate owners of Tesla that any discussion of its many failings are immediately shouted down?   Well, there is the stupid factor, I guess."


I came across such a situation and I am still facing it. My friend borrowed my credit card for his expenses as he had misplaced his debit card and for the time being had asked for my credit card to handle the expenses he does. He paid for initial 2 months and then was not able to make payments, mainly due to not being able to arrange money or if it was a contri party, he would collect cash from friends but again spend the same. Months passes by... the bill had come upto 65k and calls from bank and other respective organizations Finally my dad came into picture and slowly the issue is resolving he has paid 50K remaining is still pending.   So basically, the reason I shared this part of story was he is my Best friend and in order to not spoil our friendship I did not want to take any such step which would later on affect our friendship. This completely depends on the individuals how they react to the situation. Keeping Ego, superiority, favour sort of feelings and words apart things can be resolved between friends. You do not know what is the situation on the other side.  Probably you can connect with him ask him to explain you why is not able to pay the debts and take action accordingly. If he is not able to provide a proper reason then you may take some actions like mentioned in initial answers, run after the assets he own or anything else.Stay Calm and patient. Do not take any such step which you would regret later on...!


There's definitely been plenty of corruption, such as through gerrymandering, and your reference to plutocracy has merit.  I disagree that we should ever want a democracy though. This country was established as a republic and needs to retain protections for the individual against mob rule.


Don't try because it's a moving target. A thriving economy on paper can be entirely valuation based. It tells you nothing about distribution of wealth in the economy. The majority would be destitute and we could still be talking of booming times if speculative markets can find creative ways of growing valuations of existing assets with credi growth. All that is needed is for two people to bid a painting to 100 million for the painting to have contributed positively to a growth in the value of goods and services in the economy. The same is done with intellectual property and corporate valuations. Good times are times when capital gains can be seized on account of expansionin of credit or government spending. Recessions are closer when governments try and pull in more than they spend and when lending can't expand. Government spending is increaasing these days despite talk of the contrary.


I think we are just close to  point where there are so many people working in the job market that youre not going to have any more hiring going forward. Trump had some hype when he came into office that rippled onto the market resulting in these stock market gains and then the job growth as the after effect. but now that is finished. the stock market is at huge valuations, and its hard to see increases in corporate profits from here (given that the credit market is going to cut down the supply of loans going forward)  that could spark another hiring rally.


Pay down the lower balance on the rental property. Generally speaking, you are more likely to need/want to sell the rental house as business conditions change or if you need the money for some other purpose. If you pay down your primary residence first, you are building equity, but that equity isn't as liquid as equity in the rental. Also, in the US, you cannot deduct the interest on a rental property, so the net interest after taxes that you're paying on the rental narrows the gap between the 4.35% loan and the 5% loan.


You are neglecting a few very important things around real estate transactions in Belgium So in the end a 300K building may cost you more than 340K, let's take some unexpected costs into account and use 350K for remainder of calculation. Even worse if it's newly built (which I doubt) the first percentage is 21% (VAT) instead of 10%. All these costs can be checked on the useful site www.hoeveelkostmijnhuis.be Now, aside from that most banks will and actually have to demand you pay part of all this yourself. So you can't do 5*60K (or 5*70K now). Mostly banks will only finance up to about 90% of the value of the building, so 90% of 300K, which is 270K (5*54K), the other 80K (5*16K) you have to pay yourselves. But it could be the bank goes as low as 80%. Another part to complicate the loan is how much you can pay a month. Since the mortgage crisis they're very strict on this. There are lots of banks that will not allow you to make monthly payments of more than 33% of your monthly income when you are going to live there. This is a nuisance even when buying one house, you want to buy 2. Odds seem low they'll accept high monthly payments because you either need an additional loan or need to pay rent, so don't count on a 5y deal. Now this is all based on a single loan, it will probably be a bit different with multiple loans. However, it is unlikely any bank will accept this, even if all loans are with the same bank. You need to consider the basics of a real-estate loan: A bank trusts you can pay it off and if not they can seize the real-estate hoping to regain their initial investment. It's very hard to seize a complete asset if only one out of 5 loan-takers defected. You could  maybe do this with another less restrictive/higher risk type of loan but rates will be a lot higher (think 5-6% instead of 1.5%). And don't underestimate the running costs: for that price and 5 rooms in that city you're likely looking at an older building. Expect lots of cost for maintenance and keeping the building according to code. Also expect costs for repairs (you rent to students...). You'll also have to pay quite a bit of money on insurances and of course on real estate taxes (which are average in Ghent). Also factor in that currently there is not a housing shortage for Ghent students so you might not always have a guaranteed occupation. Also take into account responsibility: if a fire breaks out or the house collapses or a gas leak occurs, you might be sued. It doesn't matter if you're at fault, it's costly and a big nuisance. Simply because you didn't think of any of this: don't do this. It's better to invest in real estate funds. But if you still think you can do better then all the landlords Ghent is riddled with, don't do it as a personal investment. Create a BVBA, put some investment in here (like 10-20K each), approach a bank with a serious business plan to get the rest of the money as a loan (towards a single entity - your BVBA) and get things going. When the money comes in you can either give yourselves a salary or pay out profits on the shares. You may be confused about how rich you can become because we as a nation tend to overestimate the profitability of real estate. It's really not that much better than other investments (otherwise everybody would only invest in real estate funds). There are a few things that skew our vision however:


Laptop Screen--Laptoplcdscreenstore.com is a world recognized laptop screen store where you can purchase laptop screen of popular brands such as Dell, Acer, Compaq, LENOVO, Asus and many more. Providing an unmatchable quality at unbeatable prices, the store offers special deals on selected laptop LCD screens exclusively for you.


Register an account with multiple transfer services and see who will actually give you the best rate, including any fees charged by the service itself, at the time you want to make the transfer. Research the available methods to get the money into and out of the transfer service to five the lowest cost options, which would ideally be free on both ends. Be patient. It can take a week for money to arrive in your recipients account depending on the methods of getting the money into and out of the transfer service. You might also be called to verify the transaction before it goes through.


I think technically the MIR includes the date of issuance but not the time, see the references here. What you have there looks like a timestamp followed by the MIR. If you look at this example from IBM they also show the input time as a separate field.


Last stat I read was that about 20% of oil consumption is due to ice vehicles.    Keep in mind electric vehicles need to be charged.  Much of that consumption will be fueled by oil.    Demand may go down for vehicles, but I Su’s ups to demand will continue to climb for the other 80% of today’s oil consumers.


You may use an app called Flipp (or one that serves your area) to check fliers while in the store. If your preferred store has a price match policy, this can save you a few bucks every trip. Just look up at the app what you are buying and price match it over the cashier. It may or may not work on your store, always ask first. Try to learn some of the products you always buy regular prices. That way you can tell a real special from a fake one, like I write here about the 2/$5 specials. Buy generic brands for things you don't care that much, like bleach and other cleaning products that does not have a real quality difference from the branded ones. Try different cheaper brands until you find one that is ok for you. There are lots of ways to save money on groceries, you just need the will to do so ;) Good luck!


You're implying that Whole Foods' margins on many items is [in the 30% - 40% range.](http://i.imgur.com/xUG4lOw.png)  That's much higher than I would have expected.   My guess is they'll be scrapping the most expensive product lines, though - the whole trade organic, for example.


"If you are in the US, you legally must file taxes on any income whatsoever.  How much you will pay in taxes, if any, will depend on your total taxable income. Now, for small transactions, the payments are often not reported to the IRS so some people do not file or pay.  The threshold at which they payer is required to send a 1099 to the IRS is $600.  Patreon considers each donation a separate transaction and therefore does not send a 1099 to the IRS unless you make more than $20,000 in a calendar year.  If they do not report it, the IRS will not know about it unless they audit you or something.  However, you are technically and legally responsible to report income whether the IRS knows about it or not. -------- EDIT ------- Note that the payer files a 1099, not the recipient. In order to report your patreon income you will either use schedule C or add it to the amount on 1040 line 21 (""other income"") depending on whether you consider this a business or a hobby.  If it's a business and it's a lot of money you should consider sending in quarterly payments using a 1040-ES in order to avoid a penalty for too little withholding."


Perhaps too much.  We have made public schools and the police responsible for dealing with widespread societal failures.    Parents don't get paid a decent wage, so schools have to provide breakfast and lunch.  We don't have public healthcare that covers mental health we leave the insane to become homeless and ask the police to deal with them.


The best learning technique for me is not to dredge through books in order to gain a better understanding of finance.  This is tedious and causes me to lose interest.  I'm not sure of your tolerance for this type of learning.  I tend to learn in small pieces.  Something piques my interest and I go off reading about that particular topic. May I suggest some alternate methods:


If you just want to know total return, either as dollars or a percentage, just add up the total amount spent on buys and compare this to current value plus money received on sales. In this case, you spent (310 x $3.15 + $19.95) + (277 x $3.54 + $19.95). So your total investment is ... calculator please ... $1996.98. You received 200 x $4.75 on the sale minus the $19.95 = $930.05. The present value of your remaining shares is 387 x $6.06 = $2345.22. So you have realized plus unrealized value of $2345.22 + $930.05 = $3275.27. Assuming I didn't mix up numbers or make an arithmetic mistake, your dollar gain is $3275.27 - $1996.98 = $1278.29, which comes to 1278.29 / 1996.98 = 64%. If you want to know percentage gain as an annual rate, we'd have to know buy and sell dates, and with multiple buys and sells the calculation gets messier.


"Be patient, I think it's virtually guaranteed you'll get your money back. As you said it's probably ""sitting"" somewhere but it might take a while for the transactions to clear."


"The fact that you can't see how ""insider trading"" isn't an oxymoron, because it does not contradict itself, is absolutely astonishing. And then you have the balls to call someone else dumb, all while claiming you can beat the market with your superior intellect.  Amazing.  >How the fuck do you think these hedge funds and investment banks can offer almost 50% returns during these times in our economy???  Why don't you show me an investment bank earning a ""50% return""? In fact, do you even know what investment banks do?"


The best way to invest 50k Indian rupees is in a 5 Year NSC(National Saving Certificate which can be obtained at the Post Office) yielding interest 8.1% p.a. (at present), which is more than the effective FDR interest rate offered by any bank in India. Investment in an NSC also permits a deduction u/s 80C of the Income Tax Act, 1961. So, investing in an NSC will save tax and get a higher return/benefit for your investment.


People romanticize it. I just finished a prestigious MBA and the number of people who were obsessed with PE found it to be this super sexy niche of finance. If you are a partner it can be great, but it takes a long time to get there and necessitates you being on the ground floor of the firm. Otherwise its ibanking with better hours/pay.


You put your Michigan address. The incorporation address is of no concern for the IRS, they couldn't care less where you're incorporated - it has no effect on your tax liability. The address is used when audited, and the IRS expects you to give the address where the records are (i.e.: where the business, aka you, is physically located).


What? My last room mate was a teller, and I can tell you this isn't the case. If you're given a bad payroll cheque or a bounced cheque the bank will know before its transferred. If payroll bounces find a new job because you're fucked.   If you're working for a company that makes over 1 million a year, they can issue paper cheques but choose not too for whatever reason.


Typically labor is a company's largest expense. So, when a company receives tax cuts that doesn't translate to more hiring. Long term, if the company expands it might, but it could also choose to invest in a better or different products, maybe more efficient business processes, or invest in overseas operations. Additionally, labor has a diminishing value... just because we could hire more people to make more things doesn't mean we should.   Side note: In many states, the largest employers are the state/local governments (schools, public services, etc), and healthcare providers.  This tax cut is great for people that are already invested, or high income earners because it lowers the overall tax brackets and aligns capital gains to those. So say I had a million dollars invested and earned a yearly 10% dividend return, I'd earn 100k in dividends and pay 25% as income tax. Source: https://www.forbes.com/sites/anthonynitti/2017/07/13/what-will-the-trump-tax-cuts-mean-for-your-wallet/  However, something like 50% of all Americans are invested in the stock market. Only the top 10% average investments close to a million in investments (example above)... and 38% of all investments are owned by the 1%... Source: http://www.npr.org/2017/03/01/517975766/while-trump-touts-stock-market-many-americans-left-out-of-the-conversation  Tax cuts, while popular, wouldn't ever help stimulate consumer spending, esp. considering the amount of consumer debt that exists (~1 Trillion?). What these tax cuts would do create more debt for tax payers.


@foreverBroke - Ok, here are the questions - Is mom's house paid for in full? If there's any mortgage, is it current? If not, what are the numbers? Is it underwater, i.e. owe more that it's worth?  Will the tax department talk to you and negotiate? Maybe let you make payments over time? If you have that kind of cash flow, the slower payment may keep you from killing your savings.  We don't know your age. I do know that the early years savings, often around the first 8-12 years, are the funds that turn into half your final retirement savings due to compounding.  Obviously, this a tough time emotionally, what I don't want is for you to make a financial move that is a temporary fix. Not knowing the rest of the story limits my answer. If my mom needed my help I'd want to understand the whole picture.  Not that I'm a fan, but have you considered a reverse mortgage? It may be a way to keep the house but give up the equity, or some of it, on her moving out or passing.


I just went through this process and found protolabs,  they did end up quite expensive once the tooling came in this was injection moulding. I was looking for 400 a year but would only make sense at 10000 per year. I ended up finding a company that does plastic forming custom design technology that were good on price and the quality was great. PM me if you want details, or just Google them, I'm not your supervisor.


It has basically been kicked out of every Canadian city for being illegal while the cities make new regulations for them. Now they have the new regulations and it's pretty decent.  They were definitely illegal though (injunctions issued and everything), but now operate within the laws.


"As JoeTaxpayer notes in his comment, ""answers"" to this are really just opinions, so here's mine, for what it's worth. If your risk tolerance is 5 out of 5, you shouldn't have anything in Treasuries.  Those are basically the most conservative of all investments.  This would probably mean no TIPS as well.  If you're more like 4.5 out of 5, you could have some, but just a little; a 30% allocation to government securities is quite conservative.  If you want to diversify across different asset classes, you could consider a bond fund like (for instance VBMFX, the Vanguard total bond market index fund).  Your portfolio doesn't currently contain any (non-government) bonds, which is something to consider. 20% seems like quite a large allocation to REITs.  Most sample portfolios I've seen allocate no more than 10% to REITs, often no more than 5%.  There are some that have more like the 20% you're envisioning, but you might want to ponder that a bit more especially in light of your concerns about REITs being at an all-time high. As for your question about all-time highs, it's reasonable to think about, but I think waiting for 30-50% off all-time highs is unrealistic.  Looking at a chart of VFINX (essentially the S&P 500), I see that at the nadir of the recent downturn, in early 2009, the market was at about 50% of its pre-crash all-time high.  At the nadir of the dot-com bust, the market was about 45% off its pre-crash high.  If you're waiting for it to be 50% off it's all-time high, you're not just waiting for ""a good time to invest"", you're waiting for a major crash. It could certainly make sense not to immediately put everything into US stocks, but that doesn't mean you should put nothing in.  As Trevor Wilson commented, you could put some of the money in and then gradually add the rest over time, reducing the risk of unluckily buying at the peak.  (This can also reduce the psychological angst of worrying about whether you're doing the right thing, which is worth taking into account.)  Also note that if you get rid of the treasuries, you eliminate a good chunk of the stuff that you thought was too close to the peak anyway. Your two basic points (asset allocation and low-cost funds) have a strong Boglehead flavor.  You may already have looked at the Bogleheads wiki; if not you should take a look.  If you are comfortable with that philosophy (and I think it's a sound one), you should remember that part of that philosophy is not worrying about ""timing the market"".  You pursue a buy-and-hold strategy if you believe the market will go up in the long term and don't care much about what it does in the short term.  That said, as mentioned above, you might want to ease in your investment over time, rather than buying all at once, if only to avoid tearing your hair out if the market goes down in the short term. Incidentally, your proposed portfolio is similar to this one that they mention, although as I said above I think this is too conservative if you are 30 years old and consider yourself a ""5 out of 5"" in terms of risk tolerance.  I'm not sure if you already saw that in your research, but since that portfolio apparently has a name and is known, you might be able to find information about its risks and benefits by searching for discussion of it by name."


"Its their website, isn't it? So they can enact any policy they want, delete any comment, etc.. I can't see how you can stop them from using their own property. In fact, by posting a 3 star review, you helped them out.  If you want revenge, start an alternative forum ""whyVRBOsucks.com"" and open it up to free reviews."


My advice would be to invest in the 401k with the same type of funds you'd purchase when you rollover to your IRA. They are both retirement accounts. If the stock market tanks, your 401k balance will be low but you'll also be purchasing stocks at a much cheaper price when you establish your roth. You should create an asset allocation based on your age, not on the type of retirement account you have. One question to consider: When you do become a student, you'll likely be a in lower tax bracket. Can you contribute pre-tax dollars and then rollover to a ROTH in the year that you're a student?


You don't really believe that's an actual thing people think, do you?  That's just being intellectually dishonest, you're creating a comfortable fiction that allows you to not confront the real problem.  The financialization of the economy and all the attendant risks have been well documented.  If you would like to debate the merit of those arguments go ahead, but drop the bullshit persecution complex.


The most common usage of interest rate swaps is by corporates who issue bonds.  Most US investors (e.g. insurance companies & pensions) want fixed-rate bonds, so that they know what their interest income will be for the life of the investment.  Many financial issuers prefer to have their liabilities be floating rate, so that they will benefit if the Fed keep interest rates at zero for a long time.  So the financial issuer issues the fixed rate bond, the insurance company buys it, and the issuer converts the obligation to floating with an interest rate swap.


There are a few reasons: 1) Deductions and credits. We have a lot of them. While I suppose we could pass this information on to our employers for them to file, why would we want to? That just unnecessarily adds a middle-man as well as sharing potentially private information more than it needs to be shared. This is the one that effects the most people. 2) Income sources. While normal employment, contract work, and normal investment income already gets reported to the IRS, this is not true for all sources of income. For one, the U.S. is almost completely by itself on actually taxing income that its citizens earn outside of the U.S. While this policy is completely absurd, the only way for the government to know about such income is for the person to report it, since the IRS can't require foreign employers to send information to them. Also, barter income as well as other income that doesn't meet the qualifications for the payer to be required to inform the government requires the employee to self-report. Similarly, capital gains on things outside of normal investments (real estate, for instance) require self-reporting. Having said all of this, U.S. reporting requirements are absurd and illogical. For instance, the IRS already knows about all of my stock trading activity. My broker is required to report it to them. Yet, I still have to list out every single trade on my own return, which is really tedious and completely redundant. For charitable contributions, on the other hand, I only have to give the IRS the final total without listing out all of the individual donations, despite the fact that they don't have that information made available to them by another source. It makes no sense at all, but such is the federal government.


"I think reinsurers also by insurance, from other reinsurers. The risk gets spread around, and these guys actually know what they are doing. I've heard insurers sometimes don't (using really rough thumb rules like ""buy 2% cats""), and end up with suboptimal reinsurance policies, but they always make sure they are covered. (The reinsurers have a better idea of what the risk is, and can outsmart the insurers when they sell the reinsurance policies).   Expanding on the ""2% cat"" thing - insurers need to keep enough reserves + reinsurance to cover everything. The gist is, if they buy 2% catastrophe insurance, then the reinsurer will cover losses over 2% of the portfolio, so the insurers only need to cover the first 2% of their portfolio. (It might be a bit more complicated than this, of course).  They might be better keeping higher reserves than 2%, self-insuring more (buying less re-insurance). Or they might be better keeping less than 2% reserves, and self-insuring less (buying more re-insurance). It depends on the price they negotiate with the re-insurer. Whatever the case, they have to make sure that they can cover any disaster (and the government will regulate this, or end up getting pressured to fund bail-outs as insurers go bankrupt and home owners are left with nothing)."


We earn so much money when we produce 5,10,20... dollars ! It does't matter if we loose a few money to produce a penny, we have to let money to satisfy its 3 fonctions. One of them is : to be the more precise possible unit of count !


Looks like Costco's legal and HR departments are having a rough patch recently:  [NLRB Strikes Down Part of Costco’s Social Media Policy](http://www.jdsupra.com/legalnews/nlrb-strikes-down-part-of-costcos-socia-97561/)  >...in a decision that is likely to have wide-ranging implications for companies’ social media policies, the NLRB issued a decision finding that Costco’s policy prohibiting defamatory statements about the company violates Section 8(a)(1) of the National Labor Relations Act (the Act)


Mortgage rates are at record lows. The 30 yr fixed is now below 4%, if you are in the 25% bracket and itemize (state income tax, property tax, donations, easy to pass the minimum) it costs you 3% post tax. This is the rate of long term inflation, effectively making this money free.   You are likely to be able to average a far greater return than this mortgage is costing you. These rates may last another year or two, but long term, they are an anomaly.  ETFs such as DVY (the Dow high dividend stocks) are yielding over 3.75%, 3.2% after the 15% cap gain tax. i.e. you get a small positive return, and the potential for capital gains. If this ETF rises just 3%/yr it's all profit above your cost of money.  That said, there are those who sleep better with a paid in full house, regardless of the rate. To that extreme, I've read those who make paying their mortgage a priority ahead of funding their matched 401(k). While I can guess what the market will return, but can't know what will actual happen, it's foolish to skip one's match. They reason that the market can crash, I reply the 401(k) has to have a short term fund, money market or T-bill type returns, but a 100% match is a no-brainer.  Using an estimated 4% for the 30 and 3.5% for the 15, the payment on the 15 yr mortgage will be 50% higher, $1430 (15yr) for $200K vs $955 for the 30. How does this play in your budget? Do you have an adequate emergency fund? Are you funding your retirement plan at a decent level? In the end, there is no right answer, just what's right for you. Understanding the rest of your financial picture will get you more detailed advice. Not knowing your situation limits the answers.  Edit 6/30/2015 - When I wrote this answer, the DVY was trading at $48.24. $100,000 invested would have given off $3187/yr after a 15% dividend tax rate. At $75/share now, the $100,000 investment would be worth $155,472 and yielding $5597 for a net $4757 after tax. The choice to go DVY would have been profitable from the start, with room now for a 35% crash before losing any money.


Well I guess I'm going to throw a curveball from what others have said so far. I have an entry level FP&A job at a medium-ish ($600M rev) size company. I use SQL all. the. time. We get a lot of data requests, and instead of shoveling them over to our tiny IT team who is more focused on development, we ourselves have to create and validate loads of SQL queries. For any recurring data requests, we throw the queries into a Power BI dashboard and do analytics off of it. My intuition is that smaller companies' FP&A departments are going to overlap more with IT when it comes to data due to less rigidly defined internal structure, so knowing some of the tools IT uses can certainly help. Just knowing how to query company databases (if you can get access) saves days of waiting + back and forth with IT.  If you use SQL and Excel, you'll become familiar with power query, which is a useful timesaver for automatically transforming raw data. A natural extension to SQL would then be analytical software or programming like R. Companies like the one I work for are trying to figure out business intelligence, and we've implemented suites of PBI dashboards, which requires an understanding of Dax (which is only different enough from VB to be annoying IMO).  Be a wizard at Excel, which I'm sure you already know. Know how to apply conditional formatting 46 different ways, know how to quickly create and manipulate pivot charts in addition to being a god of pivot table manipulation. Know how to automate repetitive tasks. A big one (for me) is know how to do reconciliation quickly using Excel (FP&A does a lot of recon at my work). Knowing how to cleverly apply and manipulate pivot tables and v-lookups can be the difference between spending 4 and 40 hours doing recon.  Note that these suggestions come from my experience alone.


I just found out today, there is a full windows 8.1 tablet on intel baytrail for $170 that looks really good if not for games.  The one thing I can't decide is if I'd prefer an android or even linux version (needs maturity, but one reason to go android is that its easier to escape when mature) with the same chip.  While the baytrail specs are awesome for me, and there are pc apps that I would use, and from the few benchmarks I could find, windows performance is better than android for this chip (though you can consider them even), its still not obvious to choose win8 over android even when the price is the same.  I guess I would lean towards win8 (I need a super calculator with J), but the media performance of other chips is going to push others towards android solutions.  The point is that windows 8 is now super interesting at the same price point as android, and it should grow as a result.  Its still not obvious though, if it can dominate it.


">I've never thought about the difference in goals between manufacturers and local businesses.  Ultimately they have the same goals: sale of product/services.  But they have a HUGELY different emphasis:  * John Deere wants you to buy JOHN DEERE BRAND products, and they really don't care WHERE you buy it.  * Walmart/Target/HomeDepot generally don't really give a crap WHAT BRAND you buy, so long as you buy it from... Walmart/Target/HomeDepot.  So John Deere's advertising is all about convincing you to ONLY be interested in buying a John Deere (from where-ever).  And the retailer (aka ""local business"" whether a chain or independent) advertising is all about getting you to come back to THEIR store to buy... well whatever (which can be specific, or ""anything and everything"") they sell.  Those things can COINCIDE when there is some ""exclusive"" relationship (so the local John Deere dealer IS interested in promoting the John Deere brand, but really only to the extent that you buy a John Deere from THEM, and NOT from some other dealer/store).  And likewise, the local Buick dealer wants you to buy a Buick... but chiefly so that you will buy one from THEM, and/or so that you will come to them to buy parts/service (which most dealers actually tend to make more money on than they do from the sale of the car itself).  ---  >Hmmm, your knowledge about the facebook ad model might be able to help me with a personal project I'm doing.   I don't know that it I would call it ""*knowledge* about the facebook ad model"" -- it's more general knowledge about how the advertising/marketing world, and *speculation* (with back-of-the-napkin-style calculations) regarding about how delusionally far-away from reality FaceBook's supposed ""super specific targeting"" actually is.  ---  >If you care to take a whack at it, read on: What interested me before the IPO was the debate about the value of FB's ad model.  This is/was kind of my whole point (though I'm coming from a different tack than you). My view is that *regardless* of how ""effective/ineffective"" FB's ads prove to be:  1. There is only so much commerce in the world (granted it can grow, but it does so on an incremental basis in *real money* terms).  2. Only a certain percentage of it is going to be spent on advertising.  3. A lot of that -- probably 50% or more -- is LOCAL advertising/marketing (done not by the ""big players"" but by smaller/more local operations).  4. There is no way that FaceBook will capture anywhere near even 50% of even the ""big player"" advertising/marketing money (competing against ALL other types of media? Yeah, not gonna happen!) -- and *they aren't even trying* to get any of the ""local"" money.  5. As a result of the above, there is no way for FaceBook to achieve the revenues (much less the profit margins) to support anything anywhere NEAR the valuation it IPO'ed at.  6. Ergo the price of the stock will continue to drop (especially as insiders & previous investors ""cash in"" by selling additional stock into the float) -- until it reaches a price that CAN be supported by a reasonable P/E (say in the 10 to 20 range) that is based on ACTUAL achievable revenues. (Which I don't see any way for the final value of FB to be anything *over* $10 a share, more likely the PPS will end up in the $4 to $5 range, and possibly even lower, especially if they continue to ""fumble"" things as they have recently -- ultimately, especially if they dilute the shares as they seem likely to, it will probably end up as a $1 to $2 stock).  As to your questions... I think we're barking up different trees. Your approach sounds interesting, but I wouldn't have any idea where you could get HARD data on any of that (at best you I think whatever data you can lay hands on is going to be a lot of highly dubious and speculative BS) in no small part because I don't think anyone really HAS any ""harder"" data (maybe GM does and that is why they dropped their use of the stuff)."


I don't think you need to bother with trust accounts.  The point of a trust account is holding funds that aren't yours yet.  You take a retainer fee that you have yet to earn.  As you work, you bill your hourly rate, your client signs off and you take possession of the funds.   You're going to work a project, you'll take a partial payment as a deposit and partial payment upon completion.  But this is a payment to you, not money transferred to you to hold until you earn it at a later date. Your contract can specify remedies for missing a deadline, or any other thing that could happen.


The right answer is use it, but use it responsibly. The point of the credit report is to prove to potential creditors that you are a responsible person who pays their bills on time. If you don't use the new credit card, you can't prove that. However, of course there is a limit. If you max out the card, you have only proven that you are irresponsible with credit. Try to stay around 50% of your max limit. More is O.K., but never go over 89%. Always pay your bills on time. Always. Not just this new credit card, but all bills. The best way to ruin your credit is not paying your bills. Even if you are having a dispute with a company, pay the bill anyway to save your credit and then dispute the situation and try to get your money back. Prove to creditors that they can trust you and you'll have an excellent credit score.


Assuming you're in the United States, then International Equity is an equity from a different country.  These stocks or stock funds (which reside in a foreign country) are broken out seperately becuase they are typically influenced by a different set of factors than equities in the United States: foreign currency swings, regional events and politics of various countries.


"Economic slavery is telling her to fight for $15/hour so she can work the same shitty jobs at the same shitty hours for the rest of her life. And even more tragically is that people are telling her she'll be better off with a higher minimum wage.   If the minimum wage is $15/hour, then everything will be priced accordingly. You can't beat the market by price fixing, it has never worked in history and will never work.  All those ""experiments"" of raising minimum wage will never tell the true story if they are isolated by a city, or even a state, because too much is supplied from places that won't reflect a $15/hour minimum wage.   What nobody wants to say is that Fran needs to take a long hard look at why she has been in the fast food industry for 22 years and is still making minimum wage. Managers at McDonald's average $43k/Year (according to Glassdoor), which is more than most teachers make and is more than base pay for most enlisted ranks in the military (it also doesn't include their benefits)."


Since 1994 we have specialized in Fiber Optic, Network Cabling (UTP), Cable Television, and Satellite Installation training.  We maintain relationships with employers like Time Warner, Cox, Charter, Verizon, AT&T and many others throughout Southern California to ensure placement for our students.  vocational school carson ca


Oh really. I will have to check into that. It would be a bummer if that is the case. Something I will need to look into. If you don't need margin and are not trading the underlying asset (which I could see being a problem), then I don't see what the problem is. But I shall see. Thanks.


shgcounselling Springhill Group Counselling believes it is significant that each of us needs to understand what counselling and psychotherapy is about and what they should anticipate from the procedure of therapy. Nurturing knowledge among community is a significant purpose for every organization. This website has been aims to help people find out more about counselling and psychotherapy, especially those who are considering therapy as an option for themselves or someone else, or for clients who are already involved in therapy.


"Is it safe? No in general. Are there any other safe ""paper"" ways to invest money let's say for 30 years and be sure nothing will happen to them and you will end your life without relying on pension? No. In these times only real properly gives you some sort of warranty in 5-30 years term. Land, buildings, production lines. Not necessary in US - lots of countries have 0 or fairly low property tax. Some gold, platinum, silver and other rare elements to diversify. - This is the only way you can be sure you will not suddenly loose everything."


"Why would you consider it null and void? It might be that something went wrong and the business ""lost"" the transaction one way or another. It might be something else. It might never appear. It might appear. In one of the questions a while ago someone posted a link of a story where an account was overdrawn because of a forgotten debit card charge that resurfaced months later. Can't find the link right now, but it can definitely happen."


I have not.  I was wondering if there is something in there that said by putting your profile to private it denied them the right to use your posts / images etc.       >We also are discussing political thought, not necessarily the specific Facebook practice  My bad I was thinking Facebook specific


At Faux Panel we believe in creativity along with sustainability of the products. Due to which we have succeeded in producing trend setting products which can redefine the definition of interior designing. We provide an exorbitant range of creative wall cladding materials which are different from each other.


Michigan's 529 plan offers a wide variety of investment options, ranging from a very conservative guaranteed investment option (currently earning 1.75% interest) to a variety of index-based funds, most of which are considered aggressive.   You said that you are unhappy with the 5% you have earned the past year, and that you thought you should be able to get 8% elsewhere.  But according to your comment, you have 30% of your money earning a fixed 1.75% rate, and another 40% of your money invested in one of the moderate balanced options (which includes both stocks and bonds).  You've only got 30% invested in the more aggressive investments that you seem to be looking for.  If you want to be invested more agressively (which is reasonable, since your daughter won't need this money for many years), you can select more aggressive investments inside the 529. Michigan's 529 offers you the ability to deduct up to $10,000 (if you are married filing jointly) of contributions off your Michigan state income tax each year.  In addition, the earnings inside the 529 are federally tax-free if the money is spent on college education.


I’m specifically curious as to how employer matches for Roth 401(k)s would work. Even if an employee contributes to a Roth 401(k), matching contributions by the employer must be treated as traditional 401(k) contributions. So even if the treatment of Roth accounts is unchanged, those of us who get an employer match on our Roth 401(k) contributions may still be impacted.


My point is that, unless Amazon stops or greatly slows growth of the Seattle campus, it would be very difficult for HQ2 to be truly equal in size. They're proposing $5bn and 50k employees over the next ~15 years just to catch up to where Seattle is *now*. Given the rate at which Amazon acquires office space already, this seems like a long shot. The only way I can see it happening is if there is a very big push to shift existing and new teams to HQ2. I am curious to see what they do.  I'm not really sure what to make of the rest of your comment. Amazon does a little of everything. HQ can be anywhere sufficiently attractive to developers.


This depends on the stock exchange in question. Generally if you modify an existing order [including GTC], these are internally treated as Cancel/Replace Orders. Depending on the action, you may lose the time priority position and a new position would get assigned. More here. (f) Cancel/Replace Orders. Depending on how a quote or order is   modified, the quote or order may change priority position as follows: (1) If the price is changed, the changed side loses position and is   placed in a priority position behind all orders of the same type   (i.e., customer or non-customer) at the same price. (2) If one side's quantity is changed, the unchanged side retains its   priority position. (3) If the quantity of one side is decreased, that side retains its   priority position. (4) If the quantity of one side is increased, that side loses its   priority position and is placed behind all orders of the same type at   the same price.


Nathan's answer was a +1 from me. The answer is not always simple. Having the money available is surely the first step. Using Pete's process aligns with this.  Another thought is depending where you are in your finances, delay by a day for every $100 in cost. e.g. For a $1000 purchase, sleep on it for 10 days. Adjust the number for your circumstance.


How about if we lower taxes on the bottom two brackets and increase taxes on the top two brackets? Right now it's 10, 15, 25, 28, 33, and 35 percent. But wouldnt it be better if we change it to 8, 13, 25, 28, 35, 38 percent?   The poor are the ones who spends most of their money on sale taxes than compared with any other brackets and the more money the poor have the more they will spend which will lead to more growth in the economy


I have gotten a letter of credit from my credit union stating the maximum amount I can finance. Of course I don't show  the dealer the letter until after we have finalized the deal. I Then return in 3 business days with a cashiers check for the purchase price.  In one case since the letter was for an amount greater then the purchase price I was able drive the car off the lot without having to make a deposit. In another case they insisted on a $100 deposit before I drove the car off the lot. I have also had them insist on me applying for their in-house loan, which was cancelled when I returned with the cashiers check.  The procedure was similar regardless If I was getting a loan from the credit union, or paying for the car without the use of a loan. The letter didn't say how much was loan, and how much was my money.  Unless you know the exact amount, including all taxes and fees,in advance you can't get a check in advance. If you are using a loan the bank/credit Union will want the car title in their name.


There are banks and credit unions that don't charge fee for incoming wire transfer. You most likely won't get that from big brick and mortar banks like BofA, Citi but if you are doing it regularly, using another bank that offers it free would save you a lot. Since ACH are free, you can transfer money between those banks to your regular bank (e.g. BofA) for free. There would be delay involved in this process due to additional ACH. You could also use one these banks as your primary bank to avoid that delay. Credit unions are also generally fee friendly and many would offer free incoming wire transfer. However you are limited to what is available to you as all of them would have some membership criteria.


"> Exactly by how much will this reduce radioactive waste?  A modern fuel cycle should get rid of almost all (99%+) of long-half-life radioactive byproducts. Instead, you end up with about 5% the volume of stuff that stays radioactive for a couple hundred years.  You still have a radioactive waste storage problem, but it can be solved with a concrete building with doors that lock and ""danger, hazardous material"" signs rather than some Yucca Mountain nonsense."


Your doctor may also have free samples available. You could call, explain your situtation and ask to see if they have any free samples.


No they do not. From form 1040 instructions, a single, non-blind dependent under age 65 must file if the following are true: You must file a return if any of the following apply.  There is no return required for receipt of a gift.


Other people are saying this might be a scam, or this sounds like a scam. THIS IS DEFINITELY 100% A SCAM. Do not ship your computer equipment to these people. Personally I would never sell computer equipment outside of my country, and even then would probably use escrow.


The very best espresso machine can awaken your senses and prepare you for an additional lengthy and tiring day. It might deliver cup following cup of great-tasting coffee that may tickle your style buds and provide you with the sweetest morning treats day after day. Visit us for more info : http://www.coffeemakersglobal.com/