I think the biggest thing you need in this situation is a budget/spending plan that you both agree on.  Look at what your income is going to be and what expenses you'll have, and make cuts where needed.  If it's important to you that she be able to spend some money on herself, then make sure there's a budget for it.  Often, knowing that there's a plan that will work will help put someone's mind at ease. Also, make sure you're communicating, especially in the subtle non-verbal ways, that you're in this together, and that you don't think it is unfair that you're bringing in most of the income during this time.  In general, make sure you're talking with each other a lot and being honest about your feelings about this major life change.


I think your math is fine, and also consider insurance costs and the convenience factor of each scenario. Moving a car frequently to avoid parking tickets will become tedious. I'd rather spend an hour renting a car 20 times in a year rather than have to spend 15 minutes moving a car every three days. And if there's no other easy parking, that 15 minutes can take a lot longer. Plus it'll get dirty sitting there, could get vandalized. Yuck. For only 20 days/year, I don't see how owning a car is worth the hassle. I recommend using a credit card that comes with free car rental insurance.


Another way to delay receipt is to delay billing. To be safe you will have to wait until the new year to send the bill, because if you do it in late December they could be super efficient and send it to you with just a few days turn around. They may being trying to spend money before the end of the year. Long ago there was a year where there were tax cuts starting January 1st.  I new of companies who allowed their employees to defer receiving their December paychecks until January. For families with two income this made a difference because they moved a month worth of one of their incomes into the cheaper year. If they weren't living month to month they could easily absorb the delay. Of course if you already sent the invoice....


So your point is that you know a guy that isn't good with money and has made some not great life decisions, thus **ALL** people that work low skilled jobs (even at the minimum wage level) are thus bad with their money and not cut out to own a house? Really... is that your argument?  Correlation is not causation. Just because someone works a low skilled job and is bad with money, life decisions, and shouldn't own a house does not mean that working low skilled jobs are the root of those problems.  >That being said, the initial argument is as bogus as yours. I have a 2 bed 1 bath apartment for rent for $500 right now inside 610 loop in Houston TX. It's 10-15 minutes from downtown.  And rent here in the Seattle area is way higher than all of that. Yes, rent is different where you live. It still doesn't mean people in my area should have to live in a shack because you pay $500 in Houston. Honestly, that should be an incentive for companies to move to Houston to reduce costs due to cost of living difference, which is why companies are leaving California. But if you are here in Seattle, or another city, there should be the expectation that your workers can afford to pay rent somewhere in the area.  Also, just curious, do you pay any of your employees only the minimum wage?


"That $200 extra that your employer withheld may already have been sent on to the IRS. Depending on the size of the employer, withholdings from payroll taxes (plus employer's share of Social Security and Medicare taxes) might be deposited in the US Treasury within days of being withheld. So, asking the employer to reimburse you, ""out of petty cash"" so to speak, might not work at all.  As JoeTaxpayer says, you could ask that $200 less be withheld as income tax from your pay for the next pay period (is your Federal income tax withholding at least $200 per pay period?), and one way of ""forcing"" the employer to withhold less is to file a  new W-4 form with Human Resources/Payroll, increasing the number of  exemptions to more than you are entitled to, and then filing a new W-4 changing your exemptions back to what they are right now once when you have had $200 less withheld. But be careful. Claims for more exemptions than you are entitled to can be problematic, and the IRS might come looking if you suddenly ""discover"" several extra children for whom you are entitled to claim exemptions."


It looks like your visa being refused is entirely irrelevant. What happens in bankruptcy is that all the assets of the bankrupt entity are taken over, liquidated, and the proceeds are distributed to the creditors. You're one of the creditors, and as you've been told - the proceeds are not enough to pay all the creditors in full. This is quite common in bankruptcies. What you can do is sue in court and demand priority over other creditors, but... a. You're exactly the same as many other creditors (rest of the students), so why would you get a priority? b. Suing costs money and even if you get more, you'll pay way more for legal fees and expenses. What else can you do? If you paid with a credit card - your credit card company may be able to reverse charges. Sometimes that works, depending on how fast you move. If you paid with a check - your bank may similarly be able to stop payment on the check. This provided it hasn't been settled yet.


Nothing is guaranteed - candlesticks are not crystal balls nor is any part of technical analysis. Candlestick patterns used correctly and in combination with other western technical indicators can increase the probability of a trade going into the derived direction, but they are not a guarantee - which is why you should always use stop losses with your candlestick or any trading. In saying that, another candlestick pattern that can provide high probability trades is the Doji, or a combination of Dojis in a row at a market extreme. Note that both Engulfing patterns and Dojis work best at price extremes (highs and lows) and in combination with other technical indicators such as an overbought momentum indicator at a market high, or an oversold momentum indicator at a market low. EDIT - An Example Here is a sample trade I placed on the 17th October and am currently 15.6% in profit on. See the chart below as it shows taking the trade on the open of the following day after a bullish engulfing pattern appeared at the bottom of a downtrend on the 16th in combination with the Slow Stochastic crossing over in the oversold region (below 20%). I would consider this a high probability trade and have placed an initial stop loss at 10% below my open price in case the trade went against me. As the price moved up I moved the 10% stop loss up as a trailing stop loss. My profit target is set at 25% or $4.00.


Sponsorship isn't the problem as much as it is all of the planted articles, astroturfed/shilled discussion and artifical pretending to be organic.  Brands and special interests don't just want to buy commercials and ads, they want you to write an organic seeming article where they are mentioned positively (ahem Elon Musk and Jeff Bezos).


There's an interesting inter-generational dynamic at play here.  The Fed (and tax policy) has encouraged asset appreciation for decades to generate wealth effect, keep consumer spending up, and push economic growth.  This was great at the time, and benefited asset owners.  Unfortunately over a long period of time, this has led to great income inequality.  It's also raised home prices to a level where millennials (and anyone else without a house) to find real estate to be unaffordable.  Adjusting the tax code and putting pressure on prices would slow the economy.  It could also create a recession.  It would probably put the economy on a stronger footing for growth into the future.


Jimmy Group hoạt động ở 3 kênh đầu tư chính thống: Bất động sản, Chứng khoán, Vàng và Tiền tệ (Forex, Estate, Stock)  Các dịch vụ phát sinh: bài phân tích mã Cổ phiếu, quản lý Vốn, chiến lược đầu tư, đầu tư Ủy thác … => https://vangvatchat.wordpress.com/jimmy


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I don't have a problem linking my games to my Facebook account but I detest all the permissions they want.  Now the game wants to make Facebook posts on my behalf?  Send messages to my friends?  Now it wants to send me e-mails too?  Perhaps next you'd like to call me on the phone and nag me to play your game again!?!  Let's not forget that you don't have an option to decline ANY of these permissions either.  You must accept them or you are not allowed to play the game anymore.  Goodbye mildly entertaining Draw Something.


"These rates are so low because the cost of money is so low. Specifically, two rates are near zero.  The Federal Reserve discount rate, which is ""the interest rate charged to commercial banks and other depository institutions on loans they receive from their regional Federal Reserve Bank's lending facility--the discount window."" The effective federal funds rate, which is the rate banks pay when they trade balances with each other through the Federal Reserve. Banks want to profit on the loans they make, like mortgage loans. To do so, they try to maximize the difference between the rates they charge on mortgages and other loans (revenue), and the rates they pay savings account holders, the Federal Reserve or other banks to obtain funds (expenses). This means that the rates they offer to pay are as close to these rates as possible. As the charts shows, both rates have been cut significantly since the start of the recession, either through open market operations (the federal funds rate) or directly (the discount rate). The discount rate is set directly by the regional Federal Reserve banks every 14 days.   In most cases, the federal funds rate is lower than the discount rate, in order to encourage banks to lend money to each other instead of borrowing it from the Fed. In the past, however, there have been rare instances where the federal funds rate has exceeded the discount rate, and it's been cheaper for banks to borrow money directly from the Fed than from each other."


Why would I go to amazon at 9pm at night to buy 2-4 to fix a broken box spring? Or go to amazon to purchase a handful of the right size screw which I sit and measure with an extra screw I bring? (My last two trips)


"It depends on what the ""true"" reason for the trip is.  If you decide to deduct the trip as a business expense, then during an audit you will be asked why you had to go there. If there was nothing accomplished via the travel (that is, you worked from the hotel, met with no clients, visited no tradeshows, etc) then the expense is unlikely to be allowed. Yes, on a business trip you can do sightseeing if you wish (though you can't deduct any sightseeing specific expenses, like admission to a tourist attraction), but if you are just working while on vacation, then the trip itself is not deductible, since there was no business benefit to traveling in the first place."


It's more about the price than anything.  Some of the food is passable, but prices have risen so much that fast casual costs the same as real restaurants.  Sometimes they're more expensive than local restaurants.  If you're serving mediocre to awful food and charging premium prices, you're going to have a problem.


"How do I leave 0 tip and not feel guilty or make anyone feel bad? Rationalizing the wages of restaurant staff is not within the control of the wait staff. In fact, the IRS assumes that restaurants where tipping occurs will receive at least 8% of their gross receipts in tips: IRS Topic Number: 761 - Tips – Withholding and Reporting If the total tips reported by all employees at your large food or   beverage establishment are less than 8 percent of your gross receipts   (or a lower rate approved by the IRS), you must allocate the   difference between the actual tip income reported and 8 percent of   gross receipts among the employees who received tips. So, as little sense as it may make, tipping is baked into the US tax code. There's no way you can refuse to tip in an establishment where tipping is the practice and not make someone feel bad, since it will have a real impact on their earnings. If you are serious about your principles, you should exclusively patronize restaurants with a ""no tipping"" policy. They are becoming more common. If you patronize restaurant where tipping is expected and refuse to tip, then people will suspect that it's less about your principles and more about being a ""free rider""."


> Can almost guarantee the console will be a flop  I think there's a big gap in the marketplace. Consoles are moving towards the PC end of the spectrum, abandoning the middle.  On one end you have casual gamers, phones, retro systems/emulators etc.  On the other end you have PCs converging towards VR and consoles going all-in to catch up so they aren't also-rans.   In the middle there's room for a $100 system that plays games that are more fun than just sheer graphics. One that doesn't require expensive annual subscriptions, season passes, DLC, etc.   If I were SEGA, I'd be looking at a console as well.


Yep, this is a fact - and actually goes double for non-profits and the public sector. I'm significantly more shielded from this than if I was employed as a developer for a private entity.   I once worked for a startup where I had to sign a contract to not create a competing service within 2 years of leaving the company. I've been very careful to never put myself in that position again.


What you are thinking about is bitcoin probably where people are and can be anonymous. I would suggest you to look that up.


I got caught up with Zynga's 'Mafia Wars' for a while, but I kept having technical issues with the game, and Zynga made it damn near impossible to contact them with issues. Even when you jumped through all of their hoops they usually did nothing, or held up more hoops until you finally gave up. My wife had many of the same types of problems with 'Farmville'. Zynga's disregard for customer service killed our desire for their games. Now I couldn't care less if they go bankrupt. Seriously, customer service, will make or break a company; and since Zynga doesn't seem to care enough about their customers to provide good, responsive customer service, then they can go to hell as far as I'm concerned, they've permanently lost me as a customer. Honestly I've never known a company that was harder to contact with product, or technical issues, or received less satisfaction when I was able to contact them. It doesn't surprise me one bit that they have lost large numbers of customers. Maybe they just don't realize that the people who play their games are customers, or at least potential customers.


How?  Your latest claim is that caring for the poor is everyone's responsibility as much as they can.  Are you saying that you can't pay a penny more in taxes to help resolve this issue?  If that is what you're saying, why do you believe that?


"$18 might do in Ohio, but not California. You can get a waiter job for that much and more! The wage has to be ""livable"".  Also, not sure if you noticed, but California sucks at trying to fix things. They end up making things worse, blowing tax payor funds, and driving people out of the state.  https://mises.org/blog/california-illinois-and-new-york-keep-losing-people-other-states"


It could, in 100 years or so, but not any time soon, electric vehicles only in USA at 2016 sold 159,333 and non electric vehicles sold over 17m. Electric cars take much less than 1%. Plus its only In USA in other countries ratio is much lower.


Consider consulting a fee-only Certified Financial Planner. It will be worth the money to have your game-plan looked at by somebody who is trained and experienced in such matters, helping you avoid big mistakes and making the right decision for your personal situation. It should cost only a relatively small percentage of the overall inheritance.


"Nah. You can make a shit tonne of dough from social media!! Build a following for ""influencer based marketing"" gigs, or use targeted PPC ads to sell products / services.   Source: I do sales and marketing stack automation and use social as the largest sales channel for maaaaany companies around the world. It works well."


"Since you're an idiot, here is a quote [""The Bank of England (formally the Governor and Company of the Bank of England) is the central bank of the United Kingdom and the model on which most modern central banks have been based. Established in 1694, it is the second oldest central bank in the world ""](http://en.wikipedia.org/wiki/Bank_of_England).  Note that this bank, **founded in 1694**, is the model on which most modern central banks have been based.  Now a quote from you:  >The UK did NOT sell debt and simultaneously purchase its own debt in the past (until modern times).   Owned, fool.  And another quote to rub it in ""The lenders would give the government cash (bullion) and also issue notes against the government bonds, which can be lent again.""  You still have not listed an empire that did not purchase it's own debt."


It depends. It sounds like they already have the product idea and supply, so it's not a blank slate. When you mention that they are supplying capital, is that capital also going towards your salary? If so, the 15-20% they are offering on top of that could be generous. Compare what you are asking for to them spending money hiring someone to build out an additional product line, which does not involve giving that hire a huge share of the business.


Fantastic question to be asking at the age of 22! A very wise man suggested to me the following with regard to your net income I've purposely not included saving a sum of money for a house deposit, as this is very much cultural and lots of EU countries have a low rate of home ownership. On the education versus entrepreneur question. I don't think these are mutually exclusive. I am a big advocate of education (I have a B.Eng) but have following working in the real world for a number of years have started an IT business in data analytics. My business partner and I saw a gap in the market and have exploited it. I continue to educate myself now in short courses on running business, data analytics and investment. My business partner did things the otherway around, starting the company first, then getting an M.Sc. Other posters have suggested that investing your money personally is a bad idea. I think it is a very good idea to take control of your own destiny and choose how you will invest your money.   I would say similarly that giving your money to someone else who will sometimes lose you money and will charge you for the privilege is a bad idea. Also putting your money in a box under your bed or in the bank and receive interest that is less than inflation are bad ideas. You need to choose where to invest your money otherwise you will gain no advantage from the savings and inflation will erode your buying power. I would suggest that you educate yourself in the investment options that are available to you and those that suit you personality and life circumstances. Here are some notes on learning about stock market trading/investing if you choose to take that direction along with some books for self learning.


Buying a starter home is not a bad idea if you have a stable job and plan to stay in the area for a long time. Owning a house that you can afford is a very good idea.  Purchasing a home that you do not want to live in long term is not a good idea. People who move frequently pay a lot in real estate commissions, as you've mentioned, but they also pay loan origination and title fees. Mortgage interest is tax-deductible, and many people consider home ownership to better than renting because of that fact alone. What they do not consider are costs of property taxes, HOA fees (common in condos and townhouses, but also possible in single family homes), and being tied to piece of real estate if the job market changes and they need to move. The easy rule of thumb is to consider the ratio of total price to one year of rent. If you could purchase for $200k, but you would rent for $800 per month then the price to rent ratio is 20.83. Depending on the market most homes fall between 10 and 20. When the ratio is less than 10, then you would be at a great disadvantage renting instead of purchasing, when the ratio is greater than 20, you would be foolish to buy instead of rent unless there was some other compelling factor motivating the purchase.


In the scenario where interest rates rise to anything like normal, interest payments on the debt will quickly explode to be a huge portion of the budget, forcing deep cuts in other areas.  Holding interest rates near zero forever just isn't sustainable.


Walmart is the now the largest private employer on earth.  They have a large monopoly on a market that was once served by many different companies small to large.  As well, they use their size to heavily influence their supply chain and push them to lay off employees and make other cuts.  There is no competition for labour they can pay them whatever they want, and they are only customer for many of their suppliers, so they can set whatever price they want.  Walmart is a monopoly.


"Yes, I did. I won't deny it. But, as I said in my original post - ""I don't know much about this subject [finances]"". Well, that's why I came  here to ask a question. I don't know what ""trusted"" sources are in this field - it's not as if there are real scientific journals in this field as in biology (my profession). So... is this a problem in your view?"


At least they're doing something about it unlike all of the US companies that were involved. They're taking some responsibility and if they can revive the tourism industry in the gulf states they're doing a hell of a lot more than any US firm has done for other people.  Sure you can get pissy saying that they're doing it for themselves - yes, yes they are - but would you rather they just turned their backs on it and walk away? Grow the fuck up.


"There's an expression, ""stock prices have no memory."" Apple trades at about $115. Why would I carry my shares at anything but $115 even though I paid say $75 a share, while you just bought it at $115?  The only difference, perhaps, is that if I hold them in a non retirement account, I might track the net I'd have, post tax."


When your gun gets jammed, do not try to fix it yourself; although airsoft guns are replicas, they are manufactured by experts in the field and so these gadgets are complicated to use. Consulting professional help would be a wiser option instead of trying to repair it yourself. Know much more airsoft guns at http://airsoft-club.com/shop/


I read a great article on LinkedIn that claimed (with some stats) that a huge amount of employees are chosen before the job goes to advert. I'm not saying that's the case here, but i think having an 'in' is definitely useful! Is there a contact for an informal discussion? Hope i'm not too late in replying, and good luck!


"Seriously whole foods accounts for maybe 5% of market share in the grocery industry. I feel like I have seen a lot of ""writers/reporters/bloggers"" trying to paint amazon as taking over groceries and retail, but it's just a huge overreaction. Just like the stock market overreacted to amazon purchasing whole foods, this is just another overreaction."


That really depends on the lender, and in the current climate this is extremely unlikely. In the past it was possible to get a loan which is higher than the value of the house (deposit considered), usually on the basis that the buyer is going to improve the property (extend, renovate, etc.) and this increase the value of the property. Responsible lenders required some evidence of the plans to do this, but less responsible ones simply seem to have given the money. Here in the UK this was often based on the assumption that property value tends to rise relatively quickly anyway so a seemingly-reasonable addition to the loan on top of the current value of the property will quickly be covered. That meant that indeed some people have been able to get a loan which is higher than the cost of the purchase, even without concrete plans to actively increase the value of the property. Today the situation is quite different, lenders are a lot more careful and I can't see this happening. All that aside - had it been possible, is it a good idea? I find it difficult to come up with a blanket rule, it really depends on many factors -  On the one hand  mortgage interest rates tend to be significantly lower than shorter term interest rates and from that point of view, it makes sense, right?! However - they are usually very long term, often with limited ability to overpay, which means the interest will be paid over a longer period of time.


"> People will lose faith in college degrees and start working as contractors, plumbers, mechanics, etc. This will generate a direct wealth, but it will also severely hurt our ability to innovate due to the resulting ""brain drain""  I disagree. People who do not benefit from a college education will stop muddling through college, and be productive instead. People who benefit from advanced training in a field will still find college worthwhile. In fact, maybe some decently smart people will contribute to plumbing innovation instead of learning (economically) useless art history. (This is only to speak of economic value of education. Education is still a fine thing for anyone to obtain as a ""consumer good"".)"


The idea that you should pay $5,000 up front to convert your shares and sell them to ultimately receive some larger amount is crazy. If in fact the shares need to be converted (unlikely), they should be able to deduct the fees from the proceeds of your transaction, and you would not be out-of-pocket anything at all. You didn't provide much in numbers, so I will make some up: For example:  If you have 2,000 shares valued at $10 each, your account should be worth $20,000. If the liquidation cost is $5,000, they should be able to sell everything, deduct the liquidation cost, and send you a check for $15,000. You should NOT have to pay money up front to get your own money, and that is a sure sign of a scam.   If the liquidation cost is $5,000, they should be able to sell everything, deduct the liquidation cost, and send you a check for $15,000. You should NOT have to pay money up front to get your own money, and that is a sure sign of a scam.


Its dismissive because it's in reply to the absolute nonsense that makes up Trump support and Trump's own words. At some fucking point, it's ok to put a line in the sand without writing a dissertation about the line. What needs to be said has been said. Provide some real substance or fuck right on off. Good Day sir.


There are some people that still get an old-fashioned paycheck but for the most part if you are an employee at a company you get a paystub while the money is direct deposited into your accounts.  Paying for stuff at a store with a check is not very common.  Most people use credit cards for that purpose.  A significant percentage of the population still use checks for paying there regular bills through the mail.  Although the more internet savvy people will most likely use online bill pay from their bank so they don't have to mail checks.  Personally I have only written about 15 checks in 5 years.  Mostly to people and not to businesses setup for receiving bill payments electronically.


Well for starters you want to rent it for more than the apartment costs you.  Aside from mortgage you have insurance, and maintenance costs.  If you are going to have a long term rental property you need to make a profit, or at a bare minimum break even.  Personally I would not like the break even option because there are unexpected costs that turn break even into a severe loss. Basically the way I would calculate the minimum rent for an apartment I owned would be: (Payment + (taxes/12) + (other costs you provide) + (Expected annual maintenance costs)) * 100% + % of profit I want to make. This is a business arrangement.  Unless you are recouping some of your losses in another manner then it is bad business to maintain a business relationship that is costing you money.  The only thing that may be worth considering is what comparable rentals go for in your area.  You may be forced to take a loss if the rental market in your area is depressed.  But I suspect that right now your condo is renting at a steal of a rate.  I would also suspect that the number you get from the above formula falls pretty close to what the going rate in your area is.


Rates are arrived at by the cumulative buying and selling on the foreign exchange market, much the same way that stock prices are arrived at.  If there are more people wanting to buy dollars with euros, EUR/USD goes down.  If more people want to buy euros with dollars, then EUR/USD goes up. The initial rate was about $1.18 per euro when it began trading on January 1st, 1999.  It replaced the European Currency Unit at that time, which was a weighted basket of currencies of (more or less) the participating countries. You're correct about the printing press in the US and other countries.  The exchange rates do reflect in part how much of a relative workout those printing presses get.


I think in these types of situations where your knowledge is limited concerning the workings of the firms, the only thing you can do is explain why you want to be a quant. Discuss your love of math, the challenges/thrill of figuring out markets, the future of trading, etc. Quant firms are full of really smart people looking for intellectual challenges, and the money is just the cherry on top. While I don't work in finance, just reading about firms like Renaissance staffed with ex-IBMers and professors, it seems reasonable to assume the above.


First, as Dheer mentioned above, there is no right answer as investment avenues for a person is dicteted by many subjective considerations. Given that below a few of my thoughts (strictly thoughts): 1) Have a plan for how much money you would need in next 5-7 years, one hint is, do you plan you buy a house, car, get married ... Try to project this requirement 2) Related to the above, if you have some idea on point 1, then it would be possible for you to determine how much you need to save now to achieve the above (possibly with a loan thrown in). It will also give you some indication as to where and how much of your current cash holding that you should invest now 3) From an investment perspective there are many instruments, some more risky some less. The exact mix of instruments that you should consider is based on many things, one among them is your risk apetite and fund requirement projections 4) Usually (not as a rule of thumb) the % of savings corresponding to your age should go into low risk investments and 100-the % into higher risk investment 5) You could talk to some professional invetment planners, all banks offer the service Hope this helps, I reiterate as Dheer did, there is truely no right answer for your question all the answers would be rather contextual.


Sure, but in the context of Uber firing 20 people, disclosing the results of an internal investigation by Eric Holder, the firing of their self-driving car VP of engineering, and the resignation of Travis Kalanick's right-hand man, Emil Michael, it was clear that Travis Kalanick was extremely close to the ledge.  Not to mention the fantastic reporting done by the Wall Street Journal that detail exactly what led to his leave of absence.    Nothing about the reporting on his leave of absence was misleading.


I wasn't talking about cs I was talking about finance. Don't apply your own lens to my comment and then tell me that you think its wrong. And besides that I'm calling bullshit on the prereqs. Every major has pre reqs you just have to plan your schedule. Obviously it varies from school to school and if you go somewhere where there is an important pre req that's only taught once every year or two, yeah you have to plan for that shit or you get fucked. But I refuse to believe that any class has a chain of four pre reqs in front of it, such that you could not complete the chain in two years, or four semesters. And that's not even counting summer semesters, a great time to make sure you're pre reqs are covered if need be.


Yes, in order for a job to be allowed to exist the wages must be sufficient for the employee to buy a median priced home and support a family.  It's not possible some people may have different preferences, like fewer hours, lower wages, no skills requirements, and roommates. So, it should be illegal to create jobs that cater to those non-existent individuals.


"Wow all the answers here are a joke. Retained earnings is a funding side (liabilities + equity) of the balance sheet accounting entry. It's a residual value, so if you end up funding your assets with more liabilities, for example, then retained earnings will be smaller.  When worrying about the funding side of the balance sheet, you should consider mainly (1) how much you want in the business of your own money (equity) and (2) how much debt your business can support, as well as how much debt you're comfortable with.  #2 is a function of looking at your income generating capacity. Once you've figured out how much you will fund with debt, you then need the remainder to be your money. Some of this is contributed capital, the rest is retained earnings. So to wonder about how much in retained earnings to have isn't really the way to think about it. You should have the ""debt vs. equity"" conversation with yourself and figure it out that way. Don't worry about the components of equity if you're a sole owner and it's all yours. (There are other ways to finance equity like preferred shares, but for all intents and purposes this is a small business).  From a risk perspective, retained earnings is largely irrelevant on a standalone basis. You should pay far more attention to your assets. For example, if you asked ""how much cash or working capital do I need?"", that's an operational question that's very important to know for running the business. It can be debated and there is a right answer. Retained earnings is just a partial accounting entry of equity (and can even be manipulated by repurchasing shares and then contributing more capital), so I wouldn't focus on it."


Dr. Raymond Stantz: Personally, I liked the university. They gave us money and facilities, we didn't have to produce anything! You've never been out of college! You don't know what it's like out there! I've WORKED in the private sector. They expect results.   (Ghostbusters)


> The set, called The Netflix Collection, will be sold as part of a pop-up event at Alternative Herbal Health Services in West Hollywood from 25-27 August to legal medical marijuana card-holding customers.   I thought California was a legal state for recreational use.  Why only medical card holders?


I don't think actual variety is a bad thing.  Idk if this is a business lesson from Apple Stores of the late 90s/early 00s or comes earlier...  I think they teach the paradox of choice lesson badly.  What's lousy is a ton of options of nearly the same exact thing with no clear delineation between them.  That's what confused the average person in consumer electronics and Apple was offering a bunch of overlapping computer lines with no clear distinctions and stuff that simply wasn't selling in numbers to justify the expense.  Of course, if you're a shop, and 10% of your shelf space makes 90% of the sales, then cutting down on some of the 90% of shelf space or replacing it would have merit.  But people come for variety, just look at clothing boutiques.


"> Go on, try walking away without signing your credit card receipt at stores where they present it for signature, and see what happens.  That's true... if the amount is over $25. Did you notice it? Actually, at Costco is over $50.  And you know what else is true? That yes, they require you to squibble something, but you can write an obvious incorrect signature and nobody will care. You have no idea how many times the screen with the electronic pen did not work right, so I just put couple of lines...  >>  know what I am talking about because I deal with credit cards a lot, professionally, in IT.  > You and everyone else. Big deal. Different credit card processors have different requirements for their customers (merchants).  Just because different processors have different requirements makes the whole process impossible to manage or comply with. Go figure out the requirement based on the card presented.  >> The credit card companies don't really care.  > I think the real lesson here is nobody cares.   The merchant cares, because they are ultimately responsible for paying for fraud... which is the main reason why credit card companies don't care... and many merchants too because they have insurance...  The bottom line is that everyone would not mind to enter a PIN to get the transaction through, but a stupid ego trip of the credit card companies who don't want to be ""like ATMs"". That's it.  So they came up with chip in the card, which made the process slower and more expensive, and does not solve anything except fake credit cards (copied credit cards)."


When a store operates their salesforce on commission, commission rates are highest on the highest profit items for the store. This just means that the sales force will be even more pushy about the extended warranty and the gold plated HDMI cable. Because those are cash cows for the store, and the salesforce will be incentivized to push them.


Agreed with the CEO that it is cases like this, encouraging people to live beyond their means, that popped the housing bubble.   But we can't mention that without also mentioning the, what? Maybe thirty-year drunkenly-stupid profits people were making off the underlying financial tool of packaging sub-prime mortgages together and selling them as securities, and the eventual concomitant derivatives of that foundational, and ultimately; bubble-causing tool.   I'd say it was a good model to all the hundreds of thousand of people that profited from it, and the thousands who each individually made hundreds of millions of dollars, and the many people that got out of the bubble on the way down.   That being said, and the obvious connotation that from their perspective long-running bubbles, like the specific one mentioned, are in aggregate good for the institutions that use them; then, simply using tools that cause bubbles to burst, isn't in itself bad, and is usually good, for the reasons I stated; on average.   The insidiousness that it's also a blog? Wow, very sophiaticated, almost machine-learning sophisticated. I really like this piece from that perspective. I mean, doctor OZ is a sophisticated infomercial, but this is possibly better (nah doctor OZ is a better con).   I'm going have to look up the criticism by those two newspaper heads you mentioned. And, yes good publicity, from multiple angles. This is a sophisticated weighted-algorithm... thing.   Finally, you know the negative connotations of this thing also work to it's benefit. It's a formula I've studied in mass-marketing, where you can rely on the law of large numbers; the things that are slightly grotesque increase efficacy. Once you see it you might well be horrified, like when you study Zombardo, Milgram, or Asch. The human in all it's magnificent grotesqueness.   The archetypal example; Walt Disneys Mickey Mouse. Seth McFarland ilucidated this fact when he literally pulled the gloves off a similar cartoon-mouse like character.   I saw it on a box of fruity pebbles too, it was in Barney Flinstones eyes.


"This question can simply be answered with ""it depends"", but I am sure that is not the answer you want. So here is all of the reasons why it depends... The philosophy behind real time energy pricing is that  you pay for what it actually costs for the energy to be produced. Peak times costs the power company a lot of money to produce the power. There are many reasons for this, but the simplest reason is that at some point the company will have to build extra power plants in order to be able to provide for the peak demand, while these plants will be widely underused during off-peak times. In the traditional flat rate charge per killowatt billing, you had to be charged higher then it actually costs during the off-peak hours in order for the power company to make sure they brought in enough money to cover the costs of the peak hours. Technology has now advanced enough that power company can charge you more directly of what it actually costs them. Potentially this could mean that you would pay more in electricity. This can happen if you are a person who loves to use energy during peak hours. Do you like turning on all of your lights when you get home from work in the summer? What about watching TV? Or what about cooking dinner? Or what about turning the AC down colder to overcome the heat produced by cooking dinner? All of those things that you might be used to doing are actually costing the power company more money because they have to plan for those higher peak loads. You can save yourself money if you are willing to shift your usage to other times of day, such as cook later in the evening or decide to grill outside, or wait to watch your TV show until later in the evening. If you are someone who is stuck in your ways and doesn't want to adjust the time of day that you do certain things, doing real time pricing may end up costing you more. Some people could argue that it actually should cost you more. Why should someone who is saving the power company money have to pay extra for someone who is costing the power company more money? All of this is viewed from the short term though. You may save some money here or there, or you may end up paying a little extra here or there, but I truly believe that in the long run everything will equalize out such that you will be paying the same anyways, or at least a small enough difference I wouldn't worry about it. If you stick with the flat rate pricing, they are already have to factor in you being a peak rate user when you might not actually be one.  In short, if you are willing to adjust your habits, I will almost promise you that you will save money. If you don't want to change and especially like to use energy during Summer afternoons, you might want to just stay where you are at."


The upvoted answers fail to note that dividends are the only benefit that investors collectively receive from the companies they invest in. If you purchase a share for $100, and then later sell it for $150, you should note that there is always someone that purchases the same share for $150. So, you get $150 immediately, but somebody else has to pay $150 immediately. So, investors collectively did not receive any money from the transaction. (Yes, share repurchase can be used instead of dividends, but it can be considered really another form of paying dividends.) The fair value of a stock is the discounted value of all future dividends the stock pays. It is so simple! This shows why dividends are important. Somebody might argue that many successful companies like Berkshire Hathaway do not pay dividend. Yes, it is true that they don't pay dividend now but they will eventually have to start paying dividend. If they reinvest potential dividends continuously, they will run out of things to invest in after several hundred years has passed. So, even in this case the value of the stock is still the discounted value of all future dividends. The only difference is that the dividends are not paid now; the companies will start to pay the dividends later when they run out of things to invest in. It is true that in theory a stock could pay an unsustainable amount of dividend that requires financing it with debt. This is obviously not a good solution. If you see a company that pays dividend while at the same time obtaining more cash from taking more debt or from share issues, think twice whether you want to invest in such a company. What you need to do to valuate companies fairly is to estimate the amount of dividend that can sustain the expected growth rate. It is typically about 60% of the earnings, because a part of the earnings needs to be invested in future growth, but the exact figure may vary depending on the company. Furthermore, to valuate a company, you need the expected growth rate of dividends and the discount rate. You simply discount all future dividends, correcting them up by the expected dividend growth rate and correcting them down by the discount rate.


Patents yes. The machines, devices, component staging, and manufacturing processes are not.    An immense amount of planning, foresight, troubleshooting skills, and other manufacturing challenges are not patented. Tesla already has paid the bill for that and went thru the growing pains of complex manufacturing.    China gets ALL of that for free.  Hell, just seeing a photo of the inside of a plant or the layout could benefit the competition.


Costco only builds in areas with enough people that have a high enough average income, disposable income and other demographics. If the poor side of KC still meets those requirements, or is close enough to those areas, they will still build there. For example the location they are putting up in the Quad Cities is not right next to the richest area, but close enough.  Try to find a Costco in Western Illinois, or Iowa, as there are two right now.  https://www.google.com/maps/search/Costco/@41.6732793,-90.7208837,7.75z  Walmart has 61 stores in Iowa according to their store search. They have about 100,000 items per store, Costco has 4000.   https://www.cnbc.com/id/47175492  https://www.forbes.com/sites/greatspeculations/2017/02/06/the-key-difference-between-costco-and-walmart/#66036dcb4306  http://www.thedailybeast.com/why-cant-walmart-be-more-like-costco  Different business models mean different strategies, including pay.


I've been mostly out for a while. My husband and I are worth around $2M. Trade wars, exorbitant rent, tuition debt, unaffordable health care, massive government debt, wealth inequality that's going to explode under Trump, automation, globalization, isolationism, stock market bubble, housing market bubble, lack of real banking reform, record household debt, Republicans controlling all three branches of government.   Take your pick.


Beyond that, in general, the US can't refine the oil it produces. Fracking played a huge role in expanding production, but most of this is producing natural gas. The big kicker for US production was the anticipation of being able to sell US oil and gas to other countries. So, even if you wanted, it's damn hard to find US made gas.


A Junior ISA might be one option if you are eligible do you have a CTF? (child trust fund) though the rules are changing shortly to allow those with CTF's to move to a junior ISA. JISA are yielding about 3.5% at the moment  Or as you are so young you could invest in one or two of the big Generalist Investment trusts (Wittan, Lowland) - you might need an adult open this and it would be held via a trust for you.  Or thinking really far ahead you could start a pension with say 50% of the lumpsum


"An important thing that many people fail to realize is that the number of shares outstanding in a stock, times the current market price of those shares, does not represent anything related to the total value of those shares.  If a company has one million shares outstanding and its total value is $10 million, then the real worth of each share is $10.  If few people feels like buying or selling, but a few people think the company is worth $50 million and offer $50/share, that could raise the market price to $50/share, but it wouldn't mean that the company became worth five times as much; it would merely mean the stock was overpriced. If, after the price went to $50/share, all the owners of the stock put in stop-loss orders at $45.  Note that the real $10/share ""real value"" of their stock would never have changed.  If the people who thought the stock was worth $50 decided to get out of the market, and nobody else was willing to offer more than $10, that would instantly drop the price to $10.  The fact that a million shares of stock have stop-loss orders at $45 wouldn't magically generate buyers for those stocks at that price.  Indeed, unchecked stop-loss orders would have the reverse effect, since many people who would have been willing if not eager to buy the stock if it had been available for less than $10/share would instead be trying to sell it below that price. It's too bad people think that the number of shares outstanding times the current market price represents some kind of ""meaningful quantity"".  If the present cash value of all future payouts associated with a share of stock is $10, then someone who buys a share of stock for less than that makes money off the seller; someone who pays more loses money to the seller.  Many people think they can lose money to the seller and still come out okay if the price goes higher, but what that really means is that they're hoping to find a bigger sucker--a game where it's guaranteed that some people will have losses they don't recoup."


"It's almost like why don't you wake up in the morning feeling exactly like you slept the earlier night? yeah, once in a while that'll happen, but it's not designed to be that way. Stuff happens. The close of the stock is what happened at 4 PM (for US stocks). The ""open"" is simply the first price ever, or an open price auction like NimChimpsky said. Most things that trade have an open/close cycle, even what seemingly trades all the time (some markets trade 23 hours). Forex trades in different exchanges which have overlapping timing but each market will have an open, high, low and close for each day - for what is the same underlying currency. Also, it's not exactly true that close<>open. Take the GS chart, Oct 1 2010 and Oct 4 2010 (there was a weekend in between). The Oct 1 close was the same as the Oct 4 open. Note that Oct 4 was a down day so it's in red - the open is the upper end of the body (not including the wick), and Oct 1 was an up day so its close was the upper end too. (Candles are drawn so that the open ends of the wicks are the High and Low of the period respectively, and the lower end of the body is the open if it was an up-day, meaning the stock closed higher than it opened, and the body in coloured green below. If the stock went down that day from the open, the body's in red and the lower end is the close. Vice-versa for the other end)  The way to get to this: Go to yahoo finance, choose a stock, go to historical prices, click download data (you should have about 10 years of data), paste into excel, insert a formula to check if prev day's close = current day's open, and I'm sure you'll see at least one instance per stock."


A CDIC-insured high-interest savings bank account is both safe and liquid (i.e. you can withdraw your money at any time.)  At present time, you could earn interest of ~1.35% per year, if you shop around. If you are willing to truly lock in for 2 years minimum, rates go up slightly, but perhaps not enough to warrant loss of liquidity. Look at GIC rates to get an idea. Any other investments – such as mutual funds, stocks, index funds, ETFs, etc. – are generally not consistent with your stated risk objective and time frame. Better returns are generally only possible if you accept the risk of loss of capital, or lock in for longer time periods.


The toy retailer Toys R Us may be on the brink of filing for bankruptcy.  It's one of several options the chain is considering to pay down $5 billion in debt it owes as a result of a leveraged buyout in 2005, according to The Wall Street Journal.  And a filing could come as soon as this week, according to a new report from CNBC's Lauren Hirsch.  The chain's trio of owners — the private-equity firms Kohlberg Kravis Roberts and Bain Capital Partners and the real-estate investment trust Vornado Realty Trust — bought the company in a deal worth $6.6 billion, taking it private.  CNBC previously reported that the chain had hired the law firm Kirkland & Ellis LLP, and that it was exploring options to take care of its debt and working with its creditors to stave off filing for Chapter 11 bankruptcy protection.  Chapter 11 protection would allow the company to restructure $400 million in debt due in 2018 then renegotiate the rest, according to CNBC.  The debt crisis looms at a critical time for the toy seller. Toys R Us last year made 40% of its sales in the fourth quarter, thanks to holiday shopping. Vendors are feeling increasingly anxious about the chain's ability to pay down its debts, according to the reports, which could lead to a shortage of toys to stock its shelves and further exacerbate the issue.  Toys R Us has also struggled as it increasingly competes with online retailers in its two main businesses: baby goods and toys.  A Toys R Us representative did not immediately respond to a request for comment.


Here is a list of threads in other subreddits about the same content:   * [Trump Is Expected to Name Jerome Powell as Next Fed Chairman](https://www.reddit.com/r/politics/comments/79pzyh/trump_is_expected_to_name_jerome_powell_as_next/) on /r/politics with 8 karma (created at 2017-10-31 03:17:20 by /u/blowmeagainmods)  * [Trump Is Expected to Name Jerome Powell as Next Fed Chairman](https://www.reddit.com/r/Economics/comments/79q2xk/trump_is_expected_to_name_jerome_powell_as_next/) on /r/Economics with 24 karma (created at 2017-10-31 03:29:21 by /u/pipsdontsqueak)  ----   ^^I ^^am ^^a ^^bot  ^^[FAQ](https://www.reddit.com/r/DuplicatesBot/wiki/index)-[Code](https://github.com/PokestarFan/DuplicateBot)-[Bugs](https://www.reddit.com/r/DuplicatesBot/comments/6ypgmx/bugs_and_problems/)-[Suggestions](https://www.reddit.com/r/DuplicatesBot/comments/6ypg85/suggestion_for_duplicatesbot/)-[Block](https://www.reddit.com/r/DuplicatesBot/wiki/index#wiki_block_bot_from_tagging_on_your_posts)  ^^Now ^^you ^^can ^^remove ^^the ^^comment ^^by ^^replying ^^delete!


The reality that the share price did not move shows that there is nothing nefarious going on.  It is most likely some mutual fund offloading their position to another fund.   You can commonly see the play out at market openings if you have access to level II data.  You will see a big block sitting on both sides of the same bid/ask.  If you put in a higher bid (or vice versa) the two positions will move to match yours.  And when the market opens their trade will be transacted BEFORE yours, even though you are thinking ... 'well I put in my bid first'.  Obviously they have agreed to swap and agreed to use whatever value the market decides.


I agree, the crux of the problem is not Wal-mart or companies like them, but the unethicalness of the laws they follow, and, those laws most likely were put in place by politicians who were put into office by large rich corporations, like Wal-mart, who funded these politicians campaigns to get them elected, so they could pass these laws.   Ain't America great?  Now we have Super-PACs.  Wheeee!


A few things, Japan controls their currency and the Japanese had/have a high savings rate which allows them to afford this kind of spending. When you look at places like Greece they don't have any savings and can't control their currency so their problems are far worse.


"Lotteries are like the inverse of insurance policies. Instead of paying money to mitigate the impact of an unlikely event which is extremely negative, you are paying money to obtain a chance of experiencing an unlikely event which is extremely positive. One thing to keep in mind regarding lotteries is the diminishing marginal utility of money. If you know you'll never use more than say $100 million in your entire life, no matter how much money you might acquire, then buying tickets for lotteries where the grand prize is over $100 million stops being increasingly ""worth the price of entry"". Personally, I'd rather play a lottery where the grand prize is sub-100 million, and where there are no prizes which are sub-1 million, because I do not believe that any other amounts of winnings are going to be life-changing for me in a way that I am likely to fully appreciate."


"It is amazing to me how ""middle class"" can spend *hundreds* of thousands of dollars and not spend even a few thousand to get some real advice. Sorry, I no longer have rose glasses for middle class yuppies, who couldn't even figure out how to raise their own children to get jobs, and in fact actively worked against their children.  And overdraft fee is incredibly simplistic, especially now that you can instantly see your balance from your smartphone. From a technical standpoint, how much simpler do we have to make it before we realize that it actually is their fault for spending money they don't have?"


Can I transfer these money to India in my saving account? What will be tax implication to me? Yes you can. Whether you transfer to India or not does not change your tax obligation. If I understand correctly you are being paid an allowance in UK to cover your expense. If you are saving; then the saving portion is treated as income and you have to self declare this and pay tax according to you tax bracket. Can I transfer these money to my wife's account as a gift? What will be tax implication to me and my wife? There is no tax obligation to your wife. The tax obligation remain same to you as in first point. What if i transfer these money as loan refund to my friend? What will be tax implication for these to me and my friend? If there is proper paper trial to show your friend loaned you a sum at zero percentage and you have paid back; amounts are not to large; then there is no tax obligation to your friend. The tax obligation remains same to you as in point 1.


Yes, there's a difference. If you've borrowed $100, then under inflation your salary will (presumably) increase, and tomorrow your debt will only be worth $99. But under demurrage, you'll still owe $100.


Let's say you own a store, and you are looking to hire a front-counter person.  You'll be leaving this person alone with the cash register on a regular basis, so you want someone trustworthy.  You have two candidates: Bob has never stolen from a cash register in his life.  He has spent the last three years working a job where his employer regularly leaves him alone with the cash register. Ann has never stolen from a cash register in her life.  She has never had a job where she was left alone with a cash register. All else being equal, Bob is the slightly safer choice because he's had more opportunities to fail and hasn't, while Ann is a more unknown quantity. By the same token, a person who regularly borrows money and pays it back is somewhat safer to loan money to than someone who's never borrowed money before, simply because the latter is a more unknown quantity.


Uhm, you *do* realize that they are distributed for free in a number of places, right? It hasn't reduced the rate of single motherhood afaik.  And even if they weren't already distributed for free, can poor people really not afford $0.50 for a condom?  What is $0.50 when compared to the cost of raising a child?  Not to mention STD's...  Would *you* play Russian Roulette?  All the evidence supports my position. What evidence supports yours? Wishful thinking?


That's not 100% correct, as some leveraged vehicles choose to re-balance on a monthly basis making them less risky (but still risky).  If I'm not mistaken the former oil ETN 'DXO' was a monthly re-balance before it was shut down by the 'man' Monthly leveraged vehicles will still suffer slippage, not saying they won't.  But instead of re-balancing 250 times per year, they do it 12 times.   In my book less iterations equals less decay. Basically you'll bleed, just not as much.  I'd only swing trade something like this in a retirement account where I'd be prohibited from trading options. Seems like you can get higher leverage with less risk trading options, plus if you traded LEAPS, you could choose to re-balance only once per year.


Una de las grandes preguntas que se hacen los inversores y ahorradores en estos momentos es cuánto tiempo durará está época caracterizada por el reducido interés del dinero, baja rentabilidad de los depósitos e incluso deflación en determinados sectores ¡Infórmate!


Role clarity, or lack of it, is especially relevant in joint venture projects, integrated project teams and is most common in collaborative proposal teams. Lack of role clarity is where team members are unsure of their day to day roles and responsibilities, the objectives of the proposals, their level of authority for spending or directing others and the formal reporting structures.


I read an amazing article on whenyou should take early and when you should wait. It really depends on your situation, but this article prodives information as well as examples. Hope it helps! http://customsites.yahoo.com/financiallyfit/finance/article-108227-3275-5-boost-your-social-security-benefits


This cleanly illustrates the problem, but it leaves off with only a vague gesture at change. This mechanism is built into the capitalist system itself.  I've been exploring an alternative economic architecture, the ideal of karmic economics. See http://unmoney.us/action


"GMO isn't the issue. ""Natural"" is the issue. They need a functional emulsifier that qualifies as ""natural,"" and that's hard to find, at least at an affordable price. Basically, sodium citrate, but ""naturally"" sourced.  I don't think there are any GMO ingredients in queso anyway."


For ankle and foot problems, you need to visit Preferred Foot and Ankle Specialists. Recommending Dr. Mikkel Jarman, DPM, Podiatrist Gilbert AZ. Call 480 497-3946 or PreferredFootAnkle.com. He is considered one of the best Foot Doctors Gilbert AZ and offers gentle relief.


> This information isn't guarded behind lock and key at the country club's secret library.  True but also not guarded is proof of global warming, evolution, and the non-existence of ghosts yet many people hold on to their misconceptions. Part of the reason is that people profit on these misunderstandings like oil companies, religion, or Hollywood.  Communication isn't achieved just by making the right information available.  The truth needs to be presented in a way that breaks through all the noise.


"Everything is worth what its purchaser will pay for it. --Publilius Syrus. Gold has value because people want to buy it.  Electronics manufacturers like the fact that it's conductive.  Jewellers like that its shiny.  Glenn Beck likes that he's selling it and his audience will buy it. Proponents of gold claim that it has ""real"" value, as opposed to fiat currency (which has no commodity backing).  Opponents of gold claim that all wealth is illusory, and that gold has no more inherent value than the paper we use now.  I'm inclined to agree with the latter (money is only money because we agree that it is, and the underlying material is meaningless), however the issue is hotly debated."


Fidelity recently had an article on their website about deferred annuities (variable and fixed) that don't have the contribution limitations of an IRA, are a tax-deferred investment, and can be turned into a future income stream. I just started investigating this for myself. DISCLAIMER: I'm not a financial professional, and would suggest that you consult with a fee-only planner and tax advisor before making any decision.


Scenario A: get a $60 tank of gas once a month, immediately pay it off when I get home  Scenario B: Spend about $300 in $25-$50 increments throughout the month on things like groceries, food, gas, etc, but immediately pay it off every time  Would my credit get better and/or faster in Scenario B due to the more use?


In India, where I live, you can: In addition, housing loans are given priority status as well - bank capital requirements on housing loans is lower than for, say, a corporate loan or a loan against other kinds of collateral. That makes housing loans cheaper as well - you get a home loan at around 10% in India versus 15% against most other assets, and since you can deduct it against tax, the effective interest rate is even lower.  Housing in India is unaffordable too, if you're wondering. In a suburb 40 Km away from Delhi, a 2000 sq. foot apartment, about 1500 sq. ft. of carpet area, with no appliances costs about USD 250,000.


> There was a reason it went out of business in 2013  Which had just as much to do with executives raiding the pension, which lead to the company unable to meet it's financial obligations - as it did with the lower demand for twinkies.


Yep we tried that last year. The only one who was not extortionate could not clear the item through U.S customs,  so our Client had to hire a broker to do this, which was a hassle.   I have also been in touch with companies who offer freight,  warehousing and distribution. Idea was to ship over ten units at a time in a shipping container, store in warehouse and the instruct distribution as the orders came in. After all the calculations it only worked out about $40 cheaper than sending them one by one stright to customers. With each shed costing around $800 to ship!   I found that one air fright carrier did have the solution we needed, and good rates, who I am using next week.  They have had a change of policy recently though and will not deliver to residential addresses going forward. So now I am back at square one...


I see, I'm not familiar with how the US works but I had always assumed that ratings agencies existed to audit firms and actually had some legal authority.  If the issue comes from legal grey areas though, isn't it still fair to assume that better regulation would fix the issue? Why wouldn't giving ratings agencies protection in the way of government funding, and actual authority over firms, fix the issue?   I just feel like CDOs are an interesting security and I don't know why, as long as fixed income securities are being accurately represented, that they wouldn't be a viable investment choice.   Edit: also please note, I am but a lowly final year university student so bear with me if I don't make sense. I'm just trying to understand this whole concept and lord knows fixed income isn't my strong suit.


">The complaint claims the manager asked Wolfe if he would ""have a problem"" coming to work early, without pay, to attend Bible study.  That's kinda hostile but also a violation of labor law if it's expected by the employer"


"How often do investors really lose money? All the time. And it's almost always reason number 1. Let's start with the beginner investor, the person most likely to make some real losses and feel they've ""learned"" that investing is no better than Vegas. This person typically gets into it because they've been given a hot stock tip, or because they've received a windfall, decided to give this investing lark a try, and bought stock in half a dozen companies whose names they know from their everyday lives (""I own a bit of Google! How cool is that?""). These are people who don't understand the cyclic nature of the market (bear gives way to bull gives way to bear, and on and on), and so when they suddenly see that what was $1000 is now $900 they panic and sell everything. Especially as all the pundits are declaring the end of the world (they always do). Until the moment they sold, they only had paper losses. But they crystallised those losses, made them real, and ended at a loss. Then there's the trend-follower. These are people who don't necessarily hit a bear market, or even a downturn, in their early days, but never really try to learn how the market works in any real sense. They jump into every hot stock, then panic and sell out of anything that starts to go the wrong way. Both of these reactive behaviours seem reasonable in the moment (""It's gone up 15% in the past week? Buy buy buy!"" and ""I've lost 10% this month on that thing? Get rid of it before I lose any more!""), but they work out over time to lots of buying high and selling low, the very opposite of what you want to do. Then there's the day-trader. These are people who sit in their home office, buying and selling all day to try and make lots of little gains that add up to a lot. The reason these people don't do well in the long run is slightly different to the other examples. First, fees. Yes, most platforms offer a discount for ""frequent traders"", but it still ain't free. Second, they're peewees playing in the big leagues. Of course there are exceptions who make out like bandits, but day traders are playing a different game than the people I'd call investors. That game, unlike buy-and-hold investing, is much more like gambling, and day-traders are the enthusiastic amateurs sitting down at a table with professional poker players – institutional investors and the computers and research departments that work for them. Even buy-and-hold investors, even the more sophisticated ones, can easily realise losses on a given stock. You say you should just hold on to a stock until it goes back up, but if it goes low enough, it could take a decade or more to even just break even again. More savvy stock-pickers will have a system worked out, something like ""ok, if it gets down to 90% of what I bought it for, I cut my losses and sell."" This is actually a sensible precaution, because defining hard rules like that helps you eliminate emotion from your investing, which is incredibly important if you want to avoid becoming the trend-follower above. It's still a loss, but it's a calculated one, and hopefully over time the exception rather than the rule. There are probably as many other ways to lose money as there are people investing, but I think I've given you a taste. The key to avoiding such things is understanding the psychology of investing, and defining the rules that you'll follow no matter what (as in that last example). Or just go learn about index investing. That's what I did."


Wow 35% I never realized that the American corporate tax rate was so high.  In my province in Saskatchewan Canada I pay 13%(as the owner of a small corporate business).  It's no wonder American corporations want to move.   Does it not make more sense to lower the corporate tax rate while reducing loop holes etc... to make the American corporation more competitive.  Just my 2c


I think the point is that it's more than just loss leaders, unless I missed that in the article.  Amazon can afford to take a loss across the board and can do so forever as long as the rest of their business holds up.  IMO, this is in retaliation for Walmart aiming at Amazon's online retail and AWS.


I don't hate Apple. I own an iPhone and I'm looking to buy a Mac Mini because they are great products. I do hate Maps though, because it was poorly designed and executed.  Firing the guy responsible is a knee-jerk reaction to poor product design. Upper management should have demanded that Maps should be as good if not better than what was in place (Google Maps) before release. It seemed like the development of Maps was rushed and not well-thought-out, and now iPhone owners are paying the price for that. Apple still had a year left with their contract with Google - maybe they could have used that year for testing and design modifications before releasing Maps with iOS 6.


Actually not with this company it's not a regular temp to hire gig like with administrative or whatever. It's literally all temp work.  If our regular dental hygienist was out sick we can call the temp agency and they send a temp over. They never do temp-to-hire. So it is quite a bit different.


Security companies employing the same people who are currently police or military. Your property is your castle, and you'd only go to other properties that have rules that you consent to follow. Roads, naturally, would have the most lenient rules since their shareholders want as many normal people to use them as possible. The difference from today is that the government sets up a monopoly of law that everyone must follow, even though populations differ.  Rather than everyone fight to control the monopoly who sets up the rules, we each have our own rules and competing security companies who may charge different prices based on what level of rule precision they must enforce (such as a basic tier of policing violence, theft... higher tier for policing the sort of things that HOAs enforce today).  Basically, if you want extra rules that aren't necessary and not very popular, you pay for that. In this way, most people would be ok with not policing people who do victimless behaviors such as casual nudity or possession of dried plant life (drugs).  In this system, trust and history matter. A company who changed its name suddenly becomes brand new, and therefore untested and with no history. It must start at the bottom of the trust ladder. Brands are valuable precisely because they exhibit a history of the company. You know Kellogg's cereal, or Toyota cars, or Apple computers are quality. People regulate the market, that's the point. The government is a monopoly, so we customers don't have control... 1 vote every few years is much less than having 10 votes every day (free market voting with our money).


Interest payments You can make loans to people and collect interest.


>Women went into the workforce because the cost of living was going up faster than wages  Women went into the workforce because the social pressure to not do so lessened, and the value they placed on the wages for their labor (factoring in the cost of violating any social norms for working) now exceeded that of the value they received from not having to work; this had generally not been the case a hundred years ago.


This. Everyone knows it is impossible for more than a handful of VERY well-funded hedge funds to actually run computerized trading operations that actually outperform the market significantly, and then that advantage is very difficult to defend.  Any hedge fund that just depends on traders that outperforms consistently is very likely to be cheating.


It may be that marijuana should be removed from the test but it is still illegal in our state and like was already mentioned, not testing for it and someone has an accident leaves room for the company to be blamed for being negligent. Not trying to say marijuana would be the cause but would be hard to argue in court and even then that would mean probably going to court at all.


It sounds like you are in great shape, congratulations! Things I would think about in your position: Consider putting 20% down instead of 30% and find a great house that has a key missing modernization, like a kitchen. Then replace the kitchen, which if done right can instantly add that 10% (or more) right back in equity... or stick to your plan... You have earned the luxury of taking your time and doing what's right for you. Think real carefully about location. Here are some ideas based on my experience.


The restaurant business in particular is very difficult; a whole bunch of them fail in the first year. And it tends to be expensive to get into; I saw $250K as an average to get a space up and open.


HSA's are one of the few accounts where the money is both tax free going in and coming out. For long term savings, the only account that might beat that is a 401(k) with an employer match. Unlike an FSA, the money can stay in the account indefinitely. You can also use the money to pay medical insurance premiums once you separate from the employer. An HSA combines the best features of a FSA, Roth account, and IRA/401(k) account. As such I think there is rarely a reason not to max one out, and in fact I think it is worth it to go out of your way to get access to one. There are some drawbacks, of course. If you don't use the money for medical expenses, it may be taxed and perhaps penalized. Getting access to one can be tricky (you have to be covered by an HDHP, but not by a non-HDHP, nor by an FSA). The low contribution limits make it hard to build up a large balance. Many providers charge a monthly fee of $1 to $4 if you want to invest the balance (small, but it adds up, especially given the low balance per previous sentence).


The two answers so far are right, but there's a third factor - for many stocks, there's after hours trading. So the official 4PM close is not what the stock's last trade was when they open again. Regardless, even that after hour price is not the starting point as Muro points out.


Buy a car. Unless you definitely know you are living in the area for a good long time, avoid buying a house and get a car instead.


At this time, Google Finance doesn't support historical return or dividend data, only share prices.  The attributes for mutual funds such as return52 are only available as real-time data, not historical.   Yahoo also does not appear to offer market return data including dividends. For example, the S&P 500 index does not account for dividends--the S&P ^SPXTR index does, but is unavailable through Yahoo Finance.


A simplistic answer would be that it's a multiplier on how much money per paycheck to subtract from your tax withholding (taxes per paycheck), then at the end of the year you will have paid taxes on your income minus the amount of your withholding allowances. If you get a decent (roughly 3% or more of your gross annual salary) refund you are letting the government withhold too much (and should increase your allowances), if you have to pay a decent amount of taxes at the end of the year then the amount withheld is not high enough (and should decrease your allowances).  I definitely recommend using the calculator that Stephen Cleary mentions, but I think it's just as easy to adjust it up or down by 1 or 2 each year based on whether you got a large refund, no refund, or paid taxes. If you are disciplined with your money many experts advise to increase withholding allowances, save the extra in a safe short term interest account so that you earn money on your money and not the government.


How much does it cost to pay for the guys that have to clean and maintain these things. The cleaners may be cheap but the guy doing the fixing won't be?  I've been on food production lines when I was a student. The automation was failing often because food tend to be squishy, oozing stuff and so on.


Co-Pays. I know, with good medical, that's just $10-$20. Acupuncture, Chiropractic Care (if not paid by your plan) Eye Exam, often not covered so well.  Eye Glasses. Often far higher than the plan pays. Over the counter drugs (update - starting 2011 these can only be reimbursed if they are prescribed, probably more trouble than it's worth), cold medicine, band-aids, ace bandages, heating pad. Birth control (condoms, foam, sponges, if you are worthy)  Any of those work for you? Note, regulations permit the FSA administrator to allow up to $500 to rollover to the next year, check if your plan permits this.


File a 2nd amended return that corrects the mistake I made on the 1st amended return This. Pay the $500 before April 27th and try to get it back later This.


"To keep it simple, I will keep the focus between a Trad IRA and a normal Taxable account (Roth's and 401(k) add more complications that make another problem).  I will also assume, based on the question, that you aren't able to deduct the IRA contributions. Also, a Roth is better in every way than a non-deductible Trad IRA so the ""backdoor Roth"" mentioned in other answers is probably the way to go and this is more of an academic exercise.  Ok, so why bother with the IRA if you're taxed anyway?  Because you aren't taxed as you go! With a normal non-tax-advantaged account you have to pay taxes every year on any realized capital gains and dividends (including fund distributions). Because of the compounding nature of savings, delaying paying taxes is in your best interest.  Simple example:  Taxable Account: IRA Account: Now, this is a very simplified example. If you're more tax-conscious (i.e. more buy-and-holding), you can delay paying some of the long-term cap gains in the taxable account, but any short-term cap gains (including distributions from the underlying funds) will be at your marginal income tax rate.  A few other observations: EDIT: I set up a spreadsheet where each year I deposited $1000 for 35 years. Each year, the balance in the IRA account grows by 5%, but the taxable only by 5%*(1-0.15) = 4.25% due to the effect of taxes. At the end of 35 years, my simulation assumes you pay 15% on all the gains in the IRA, which would likely not be the case, but easier than forecasting through retirement and demonstrates what I'm trying to show. Here's plot showing the balance in the various accounts, the blue is the IRA account, orange the taxable account, and grey is the effective balance of the IRA, after paying taxes on the gains:   And here's a plot of the advantage of the IRA (after paying taxes on the gains), vs the taxable account:  Whether that's worth it to you or anyone depends on some the assumptions in the simulation, especially effective tax rates, and growth rates, as well as any personal issues. Some people may be less likely to raid an IRA account, for example, than a normal account. Conversely, if you have a project coming up, you may need something a bit more liquid than an IRA."


One of the problems is that its being marketed at a growth stock.  When Facebook has 900 million users, there isn't exactly a lot of growth left.  The only thing they can do is try to squeeze more money out of their existing user base, which won't be easy to do for people not generally interested in clicking ads or paying for things.  Facebook as a company will continue to do well for a long long time.  It's good they aren't really dependent on the money their stock brings them.  I wouldn't be surprised to see the stock settle around $18-$22ish, even though it probably should technically settle in the $13-15 range.


I have found that using the online version can help determine the correct product.  Try Deluxe online, you can upload the data from last year. When you get to the key forms see what happens if you don't switch.  Then switch to Premiere. Compare the results.


"The house that sells for $200,000 might rent for a range of monthly numbers. 3% would be $6000/yr or $500/mo. This is absurdly low, and favors renting, not buying. 9% is $1500/mo in which case buying the house to live in or rent out (as a landlord) is the better choice. At this level ""paying rent"" should be avoided.  I'm simply explaining the author's view, not advocating it.  A quote from the article -  annual rent / purchase price = 3% means do not buy, prices are too   high annual rent / purchase price = 6% means borderline annual rent / purchase price = 9% means ok to buy, prices are   reasonable Edit to respond to Chuck's comment - Mortgage rates for qualified applicants are pretty tight from low to high, the 30 year is about 4.4% and the 15, 3.45%. Of course, a number of factors might mean paying more, but this is the average rate. And it changes over time. But the rent and purchase price in a given area will be different. Very different based on location. See what you'd pay for 2000 sq feet in Manhattan vs a nice town in the Mid-West. One can imagine a 'heat' map, when an area might show an $800 rent on a house selling for $40,000 as a ""4.16"" (The home price divided by annual rent) and another area as a ""20"", where the $200K house might rent for $1667/mo. It's not homogeneous through the US. As I said, I'm not taking a position, just discussing how the author formulated his approach. The author makes some assertions that can be debatable, e.g. that low rates are a bad time to buy because they already pushed the price too high. In my opinion, the US has had the crash, but the rates are still low. Buying is a personal decision, and the own/rent ratios are only one tool to be added to a list of factors in making the decision.  Of course the article, as written, does the math based on the rates at time of publication (4%/30years). And the ratio of income to mortgage one can afford is tied to the current rate. The $60K couple, at 4%, can afford just over a $260K mortgage, but at 6%, $208K, and 8%, $170K. The struggle isn't with the payment, but the downpayment.   The analysis isn't too different for a purchase to invest. If the rent exceeds 1% of the home price, an investor should be able to turn a profit after expenses."


I defaulted on my federal loans, as have over 8 million others. I have a ton of money in savings from not having paid the loans for several years. I work for myself, so all they can do is make calls asking me to sign up for their payment plans.


Magazines like SmartMoney often have an annual issue that reviews brokers. One broker may have a wider variety of no-fee mutual funds, and if that's your priority, then the stock commissions may be a moot issue for you. In general, you can't go wrong with a Fidelity or Schwab, and to choose investments within the accounts with an eye toward low expenses.


Why? Like someone else already said they are smart with their money and pay taxes like everyone. Why should they be punished for it? How about you don't file for auto insurance claim if you can afford the repair? Your argument is down right stupid.


It all depends on the country.  In the US, mobility at the top is reasonably high (ie first generation millionaires, first generation billionaires, etc).      In other western countries, mobility at the top is very poor.  This is typically due to regulation and taxes that make it incredibly difficult for small businesses to be compliant and compete (ie hire a bad employee as a small startup, and it can cripple the business if you cannot easily fire them).     Mobility at the bottom is reversed.   Getting out of abject poverty in the US is incredibly difficult, almost impossible.  In other western countries it is not easy, but far easier than the US thanks to those social safety nets.


"The relevant IRS publication is 526, Charitable Contributions. The section titled ""Contributions you cannot deduct"" begins on page 6; item 4 reads: ""The value of your time or services."" I read that to mean that, if the website you built were a product, you could deduct its value. I don't understand the legal distinction between goods and services I originally said that I believe that a website is considered a service. Whether a website is a service or a product appears to be much more controversial that I originally thought. I cannot find a clear answer. I'm told that the IRS has a phone number you can call for rulings on this type of question. I've never had to use it, so I don't know how helpful it is. The best I can come up with is the Instructions for Form 1120s, the table titled ""Principal Business Activity Codes,"" starting on page 39. That table suggests to me that the IRS defines things based on what type of business you are in. Everything I can find in that table that a website could plausibly fall under has the word ""service"" in its name. I don't really feel like that's a definitive answer, though.  Almost as an afterthought, if you were able to deduct the value of the website, you would have to subtract off whatever the value of the advertisement is. You said that it's not much, but there's probably a simple way of estimating that."


We provide a well-designed bags at a very affordable price. You just have to know how and where to look for one. Hands free travel bags come with the best quality and style.  It is a very functional unique piece of accessory that you can utilize every day. But even if it is a very important accessory, one need not spend too much on this. Travel bags can also be found in a convertible style, with the clutch that converts to both a tote and a shoulder bag.


Here's my obligatory contrarian answer... No, the way the note was written, it wouldn't stand up to IRS scrutiny. Libertarians need to get a little more creative if they want to skirt the laws and make up a credible story about why it is a gift: Thanks for chatting with me at dinner tonight, I feel like we're   becoming fast friends. I'm sorry you weren't able to sit down and eat   with me, so here are a few bucks to buy you dinner/dessert when your   shift ends. It's not a tip; your service was lousy! I'm still doubtful that this would stand up to scrutiny, but unlike the note that was left in the picture, it actually does have a chance.


It is in the interest of private owners, stockholders and boards to ensure long-term viability of companies as well. In the case of stockholders and boards, the current price of the stock has its future earning potential priced into the value of the stock. For example, if Microsoft or Google declared that they were shutting down their big research projects, their stock would tumble. Pharmaceutical and chemical companies also have interest in long term viability. They understand that the projects that they start today will not hit the market for another 10 years. If they go bust, all of that money is wasted.


"If you want to be really ""financially smart,"" buy a used good condition Corolla with cash (if you want to talk about a car that holds re-sale value), quit renting and buy a detached house close to the city a for about $4,000/month (to build equity. It's NYC the house will appreciate in value). Last but not the least, DO NOT get married. Retire at 50, sell the house (now paid after 25-years). Or LEASE a nice brand new car every year and have a good time! You're 25 and single!"


"It's not just a decade worth of saturation, it's several decades.  My mom held on to all of my lego from when I was a kid, and just dumped it all on our kids.  Not that I didn't want it, but one day out of the blue it was literally ""take this or I'm throwing it away"".  It literally doubled the amount of blocks we had already.  I'm sure this is happening all over the country."


Some credit unions also offer them and support Business banking as well. First Tech Credit Union is a great example. They also have the most security-oriented banking website I've seen to date. https://www.firsttechfed.com/ As a side note I've found that Credit Unions are a MUCH better deal for personal and business banking.


One of the main advantages is that duplication from a few sources is no longer a vector.  The two big examples, the lesser first, card skimming and breaches like Target's.  The chip essentially generates a unique transaction code, and that is generated inside the chip.  So even if you installed a chip skimmer, you'd have to beat the merchant to using the code, and it would only be good once.  The same is true if you get something like the Target breach.  Instead of a giant dump of card numbers, you get a giant dump of used codes, which aren't very useful for getting money.  Even if the risk of stolen cards goes up, it should be a huge advantage for the banks.   Additionally, a number of the banks are now implementing quick and short term freezes, like the Discover It card app.  You simply click freeze in the app if you aren't sure where your card is, and unfreeze it when you do.  The assumption here is that people are more likely to freeze it and do so sooner than if they have to wait for a new card in the mail.  Theoretically, there's nothing stopping a consumer from keeping the card frozen all the time, and unfreezing it when they walk into a store, except the impracticality of it.


If the card has a credit limit of more than $6,000, then sure, someone can rack up that much in charges.  Charges on a regular credit card are an unsecured loan, so having the money on deposit isn't necessary. But if what you said is true, your friend has had his identity stolen.  Here are some steps he should take.  Whether you loan him money (or believe him) are separate questions.


I wish I could up vote your comment more. I think that a lot of people do not understand that kids held minimum wage jobs that paid minimum wages, but adults received more money. At some point kids stopped working as much and adults kept or took over what was traditionally a kids first job. Those first jobs like working at McDonald's were never meant to be the only job a person had.


OK, so first of all, employers don't set up IRAs.  IRA stands for Individual Retirement Account.  You can set up a personal IRA for yourself, but not for employees.  If that is what you're after, then just set one up for yourself - no special rules there for self employment. As far as setting up a 401(k), I'd suggest checking with benefits management companies.  If you're small, you probably don't have an HR department, so managing a 401(k) yourself would likely be overly burdensome.  Outsourcing this to a company which handles HR for you (maybe running payroll, etc. also), would be the best option.  Barring that, I'd try calling a large financial institution (Schwab, Fidelity, etc.) for clear guidance.


If you look over the last few years, renewables have been 50%+ of new generation in the US.  Nat Gas has been the other half.  So coal is getting pushed out by both.  It's not just gas, even though it has s larger installed base.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-09-01/payrolls-in-u-s-rise-by-156-000-wages-also-below-forecasts) reduced by 83%. (I'm a bot) ***** > The U.S. economy added fewer employees than expected in August, the jobless rate rose and wages climbed less than forecast, in a break from otherwise solid progress in the labor market.  > The Labor Department data are based on surveys that reflect payrolls and Americans&#039; work status for the week that includes the 12th of the month.  > The payrolls figure is a &quot;Decent number, in line with a labor market that&#039;s gradually maturing,&quot; said Greg Daco, chief U.S. economist at Oxford Economics, who projected a 160,000 increase.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6xfbbh/payrolls_in_us_rise_156000/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~202562 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*: **labor**^#1 **payrolls**^#2 **job**^#3 **rose**^#4 **work**^#5"


"Short answer: Yes. For Federal income tax purposes, you are taxed on your total income, adding up positives and negatives. If business A made, say, $100,000 while business B lost $20,000, then your total income is $80,000, and that's what you'll be taxed on. As @littleadv says, of course any business losses you claim must qualify as business losses under IRS rules. And yes, there are special rules about losses that the IRS considers ""passive"". If you have wage income in addition to business income, business losses don't offset wage income for social security and medicare tax purposes. You can't get a refund of the social security tax deducted from your paycheck. I don't know if this is relevant to you, but: If you have businesses in different states, each is taxed by that state. For example I have two tiny side businesses, one in Michigan and one in Ohio. Last year the Michigan business made money while the Ohio business lost money. So my federal income was Michigan minus Ohio. My Ohio income was negative so I owed no Ohio income tax. But I couldn't subtract my Ohio losses from my Michigan income for Michigan income tax purposes. Thus, having, say, $10,000 income in Michigan and $10,000 in Ohio would result in lower taxes than $30,000 income in Michigan and a $10,000 loss in Ohio, even though the total income in both cases is the same. And this would be true even if the tax rates in both states were identical."


ya but have you meet regular people?    the average person just wants to punch the clock and get a pay check go home pay with the kids and retire someday.  its a stretch to think they can even try to keep learning.  plus how many over educated people can we as a society even take?  look at all those over qualified Italians and French and Germans.  i totally agree with what you are saying but we as a society do not even offer enough college courses to let people learn new skills.


PST, or any of the Ultra Short/Long funds aren't actually holding any traditional securities -- just swaps that are betting on the underlying asset. They also don't track the value of the underlying security over time -- just for one day. (And they're not even guaranteed to do that!) IEF is an actual treasury bond fund that holds real-life treasury securities, not swaps. Shorting a fund like IEF is one option, another is to buy options on a fund like IEF. Be very careful investing with ETFs, and don't buy any until you fully read and understand the prospectus. I got burned by an Ultra Long ETF because I didn't do my homework.


Birthdays are the best day of a kid’s life. They long for it and love to be dazzled and surprised on that special day. Just like their child, parents too experience a similar frenzy as they await their kid’s birthday to make it special. Themed party is one of the most amazing gifts, though with time the option of birthday gift packages are increasing. One of the latest and most surprising birthday parties for girls in Houston and Katy theme is Spa on Wheels!


Unless the amounts involved are very small, it is MUCH better to incorporate. First, incorporation gives you limited liability for your acts as an employee. As an individual, you have unlimited liability. Second, incorporating allows you to deduct (for tax purposes) the costs of doing business, including all of your health insurance, most transportation, and some meals. The exception to the rule is if the amounts you are earning are so small that they don't cover the cost of incorporating, accounting fees, etc. (a few hundred, or at most a few thousand dollars).


I think the name is so poisonous now that Amazon wouldn't want any part of Best Buy to be tied to their brand. As I posted above, they spent 15+ years screwing people over and treating them like shit. Regardless of maneuvering they're dying because people remember how they were treated and they aren't going back.