>Not the piss test.  [Your statement is factually incorrect](http://m.med-health.net/How-Long-Is-Thc-Detectable-In-Urine.html)    >You're an exception. Many pot smokers do it daily and think it doesn't impair them. you're responsible, they are not.  And now you're just throwing out blanket statements without any verifiable facts to back them up and drawing conclusions based on your own warped perspective.  When I hire people for roles in my organization, I find close-mindedness and myopathy like yours to be a far greater detriment than recreational marijuana use.


Ask for documentation proving the amount they say you were overpaid, and ask for time to review their claim. If it is a large amount that they can prove you owe, and if you were staying, then you could ask for the repayment to be spread over multiple pay checks. This would avoid the situation where you could get a very small check or even a check for zero. Because you are leaving, you could ask for time to reimburse them, but don't count on them agreeing to that deal.  The lesson is to save all time cards, especially ones in which your hours are not consistent. Also save all pay stubs for the year. What you should do now is download all the time card and pay info on the website, before you lose access to it. These should be saved on your home machine, or printed and kept at home. Check to see if they made any time card adjustments. Many systems keep track of all changes made by the employee and by management; both before and after the employee signs the time card. If there are change you should be able to ask them to explain the changes.


Oh really? It's a private website, they can do whatever they want. I would have to prove financial harm, and spend way more money than its worth on lawyers. I'm sure yelp is about 50/50 lawyers and shady sales reps, with like 5 people actually building the site.


I have done this last year. Just open an account with an online brocker and buy a couple of Apple shares (6 I think, for 190$ each or something like that :) ). If this is just to test how stock exchange works, I think this is a good idea. I am also in Europe (France), and you'r right the charge to buy on NasDaq are quite expensive but still reasonnable. Hope this helps.


Did you read [Hachette Book's response to Amazon?](http://www.digitalbookworld.com/2014/hachette-ceos-response-to-amazon-advocate-emails-why-we-price-books-the-way-we-do/). Hachette books is **not** arguing that their ebooks should be the same price as the print versions. That's an outright fabrication on Amazon's part.  [Amazon is responsible for 65% of new online book sales, and 41% of *all* new book sales](http://www.publishersweekly.com/pw/by-topic/industry-news/bea/article/62520-bea-2014-can-anyone-compete-with-amazon.html#path/pw/by-topic/industry-news/bea/article/62520-bea-2014-can-anyone-compete-with-amazon.html) (that's both print books *and* ebooks). I never said Amazon had a *monopoly*, but by refusing to sell any of Hachette's books, they are literally depriving that company of roughly ~~half~~ 2/5 of it's new book revenue.


The bank doesn't want to loan you money to build a house on property you don't own. What happens if the owner gets mad at you and wants you to leave? What happens if the owner's will gives the land to somebody else? The bank would be taking a big risk. You need to buy the land before building the house.


yes .. the 20% are well-off and don't understand the problem of the 80%  that's why Trump's policies are actually beneficial to that 20. Add to that some ambivalence in the next 20 (say half of that), leaves only another 16% or so of votes to pick up from the ignorant and fox-brainwashed rustbelt and voila he gets 46% of the vote and the presidency.


Yes, they're often a beneficial choice because it means you are earning the interest on the money instead of the government. You won't necessarily pay taxes on it, you have many options once you reach the point of wanting to do something with the money. Many people accumulate the wealth and then pass it down to subsequent generations without paying tax, which is perfectly legal if done right. Others make donations to charity.  Those are just a couple examples, but the point is that you accumulated the wealth over a long period of time and bought yourself time to decide what to do with it. Edit: No, if the investor decides to cash the money out all at once at the end, it would not be equivalent. Assuming you had $1,000 to put in an account and could get a 5% return on your money and you were in the 25% tax rate, the tax-free account ends up with more in the end (mostly by virtue of the compounding being tax-free):


The Keck Group, INC.  has been recognized for its phenomenal on site wood refinishing .  We bring our extensive proficiency while working on site refinishing projects. Our extensive experience and skillful expertise make us the ideal pick for the landmark buildings, museums, churches, and state capitols.


"Agree with wrschneider99. Also, since it's a ""credit report"" it helps to have a history of credit. My wife has been in the U.S. for 14 years and now has a higher credit score than me, a U.S. citizen. When we leased a car we put it in her name. When we took out a mortgage it's under both our names."


To be honest, if it's a home all of you share you should try and save the home for your parents. your 26, you will have plenty of time to make 30k again. Having a home headquarters will bring some security to the family. Not only that your parents are old now, it could be hard for them to get another home. They have sacrificed for you, so maybe you should sacrifice for them? Thank god i have no family.


We can't run out of money, but the buying power of that money can be significantly reduced to the point where it's fundamentally useless, i.e. inter-war Germany and many countries in South and Central America. Germany managed to skate by by creating a new Deutschmark in a confidence trick, and it worked because Germany is a solid, iron clad manufacturing powerhouse of a lot of stuff. The only thing we're a solid, iron clad manufacturing powerhouse of is sophisticated weapons systems and little scraps of paper we say are valuable.  My question is, at what point do we engage Washington's unlimited money printing presses until we reach that point? What's our optimum level of monopoly money output? We shouldn't just charge madly into the abyss


‘Gamification’, ‘clickability’ and ‘snackable’ are just a handful of marketing buzzwords used daily. The industries latest buzzword, however, is one that every business owner and marketer needs to be familiar with – rebates.  In this article, the Agency Scouts team explore what agency rebates are and how they impact your business. It is only by answering those two questions that you can begin exploring whether rebates are at play within your agency and if you should allow them to continue.


If you make 100K in the U.S., you are most definitely NOT paying 25.7% tax federally. Only money that you made over 37.5K is even charged at 25% AND you didn't even factor in that you get deductions which decrease your effective tax rate. Where are you pulling your numbers?


If your business pays taxes, it is in your best interest to expense it. Even if you don't pay taxes, setting your capitalization policy low enough to capitalize an office organizer (even a nice one) will give you headaches when your business grows larger.


But they did have the accident.  The insurance is in case they become unemployed which they did.  If you want to come up with some alternative concept called destitution insurance or some such then go for it.  So far that has turned out to be both technically and politically impossible.


I worked at an Applebees, and this is a good thing. I've never been to a place that treated its workers like this, and I've worked in maybe 10 resturants. We wouldnt clock in til we had our first table, and did our closing side work off the clock so that we could keep our hours down because they would not let you pick up shifts if you were going to get overtime. Because they did want to pay you 3 dollars an hour instead of 2.15 an hour. People were working 50 hour weeks but getting paid for 40 because Applebees couldnt pay hard working people an extra dollar an hour.


I disagree strongly with chasing expenses. Don't chase pennies until your are comfortable with an allocation that makes sense to you. Focus on building a diversified portfolio. Look at all of the funds, and put them in a portfolio in a tool like Google finance. Screen out funds with 1-3 stars. Search around on this site for questions about portfolios -- there's good advice there. If you're still not comfortable, look for a fee-based advisor.


"Of course, but that's not relevant to my example. Let me clarify: say you hold a highly-appreciated $10M position in AAPL and you have good reason to believe the next iPhone is going to be a flop, causing the stock to decline 20%. You can sell now to avoid the (probable) decline, but by doing so you will be left with, let's say, $6.67M after paying $3.33M of state and federal LTCG taxes on the appreciation ($9M of the $10M, because you bought a long time ago).  However, by simply doing nothing and ""eating"" the 20% decline, you'll end up with $8M instead of $6.67M.  Many economists would criticize the tax in this example, as it has led to the investor rationally suffering a $2M loss, instead of reallocating all $10M of his/her capital to a more promising enterprise. Furthermore, if/when many investors act that way, they can create inefficiency in the equity markets (prices not declining by as much as they should to reflect a firm's reduced prospects)."


Reuters has a service you can subscribe to that will give you lots of Financial information that is not readily available in common feeds.  One of the things you can find is the listing/delist dates of stocks.  There are tools to build custom reports.  That would be a report you could write.  You can probably get the data for free through their rss feeds and on their website, but the custom reports is a paid feature. FWIW re-listing(listings that have been delisted but return to a status that they can be listed again) is pretty rare.  And I can not think of too many(any actually) penny stocks that have grown to be listed on a major exchange.


In regards to your title, it's based on product. Rates based products had a late 2016 early 2017 run. It's now summer time and the fed is acting as expected. Clients have already positioned themselves going into the slow season. Distressed bonds and HY loans are still moving. After the latest fed increase and the yield curve flattening, HY loans took a hit. Par loans were trading at a discount. The market has moved back to paying a premium. However, HY bonds have been slowing down since June. New issue has dropped off, and equities have slowed as well. It's summer time. I wouldn't say that traders have it tough as the tittle suggests, it's just that it was a very active first quarter and now volatility has subsided. It's just the quiet season.


The whole part of needing to build fewer towers is negated by capacity constraints.  Each tower can only support a certain number of users before the speeds choke.  Wireless carriers will need to increase tower density in areas where building penetration matters most; densely populated cities.  The rural areas that get fewer towers are just fine with limited spectrum allotments.  TL;DR: every single carrier will have to build a ton of towers in cities regardless of spectrum holdings. The carrier with the largest amount of spectrum, money, and who has gear with carrier aggregation support will end up winning. Sprint has all of the above now, they just need to finish their network refit and repair their public image.


On a personal income tax return home improvements are generally not deductible on a federal level.  There might be some exceptions made for special tax programs, such as solar panels, but they tend to be the exception rather than the rule.


I read the entire thread.  Verdict: It is easier to grasp the theory of relativity than understand how the planet is 50 trillion dollars in debt. Who is lending all this money? Is it people from Mars? BUT kudos to otherwiseyep. I enjoyed each and ever passionate response. :-)


You have 3 assumptions about the use of credit cards for all your purchases: 1) May be a moot point. At current interest rates that will not make much of a difference. If somebody links their card to a checking account that doesn't pay any interest there will be no additional interest earned. If the rate on their account is <1% they may make a couple of dollars a month. 2) Make sure that the card delivers on the benefits you expect. Don't select a card with an annual fee. Cash is better than miles for most people. Also make sure the best earnings aren't from only shopping at one gas station or one store. You might not make as much as you expect. Especially if the gas station is generally the most expensive in the area. Sometimes the maximum cash back is only for a limited time, or only after you have charged thousands of dollars that year. 3) It can have a positive impact on your credit rating. I have also found that the use of the credit card does minimize the chances of accidentally overdrawing the linked account. There is only one big scheduled withdraw a month, instead of dozens of unscheduled ones. There is some evidence that by disconnecting the drop in balance from the purchase, people spend more. They say I am getting X% back, but then are shocked when they see the monthly bill.


"Load ""truestory.jpg""  -be a hardcore computer gamer  -design awesome rig with encrypted raid0 drives (what could go wrong?)  -explore the darkweb, buying and mining early bitcoins for novelty  -accumulate several hundred bitcoins in a wallet stored only on your fancy encrypted gaming computer, planning to sell when the price goes up to a few thousand dollars  -raid0 drive failure  -NOOOOOO  -~10 years storing the rest of the drives hoping one day it could be recovered as bitcoin soars to $5k.  Load ""feelsbadman.jpg"""


Because its working so well right now?  Companies will still higher new employees if there is a demand.  Some people might lose their jobs but it will not be something that cripples the economy.  This sky is falling mentality is what keeps us stuck in this pseudo slavery enviornment we live in right now.


No, I think you are misunderstanding the Math. Stock splits are a way to control relatively where the price per share can be for a company as companies can split or reverse split shares which would be similar to taking dimes and giving 2 nickels for each dime, each is 10 cents but the number of coins has varied. This doesn't create any additional value since it is still 10 cents whether it is 1 dime or 2 nickels.  Share repurchase programs though are done to prevent dilution as executives and those with incentive-stock options may get shares in the company that increase the number of outstanding shares that would be something to note.


"There is no rule-of-thumb that fits every person and every situation.  However, the reasons why this advice is generally applicable to most people are simple. Why it is good to be more aggressive when you are young The stock market has historically gone up, on average, over the long term.  However, on its way up, it has ups and downs.  If you won't need your investment returns for many years to come, you can afford to put a large portion of your investment into the volatile stock market, because you have plenty of time for the market to recover from temporary downturns. Why it is good to be more conservative when you are older Over a short-term period, there is no certainty that the stock market will go up.  When you are in retirement, most people withdraw/sell their investments for income.  (And once you reach a certain age, you are required to withdraw some of your retirement savings.)  If the market is in a temporary downturn, you would be forced to ""sell low,"" losing a significant portion of your investment.   Exceptions Of course, there are exceptions to these guidelines.  If you are a young person who can't help but watch your investments closely and gets depressed when seeing the value go down during a market downturn, perhaps you should move some of your investment out of stocks.  It will cost you money in the long term, but may help you sleep at night. If you are retired, but have more saved than you could possibly need, you can afford to risk more in the stock market.  On average, you'll come out ahead, and if a downturn happens when you need to sell, it won't affect your overall situation much."


I agree. That's why I referenced the way things are done in the Valley in quotes.   >...big companies...  I work in IT at a fortune 10 company. It's not a Tech firm but our CIO oversees a 10,000+ head count.    If you don't mind not having one of the 4 horseman on your resume, you can find great work with great pay and plenty of time to spend what you make in other industries that need technology to function (which is basically all of them).


"I still think this tech boom is different. The 2000 boom/bust was so much based around a fiction. Namely, the infrastructure and logistics. The country was not yet set up for streaming services or online retail, the main drivers of that boom/bust. Today, broadband is ubiquitous, there's a computer in every home, and a smartphone in every pocket. Big data and automation drives vastly more efficient logistics, with the only main obstacle still yet to be worked out is AI that will allow companies like Uber and Tesla to realize their valuations. And the main drivers of tech are the so-called FAANG stocks (Facebook, Alphabet, Amazon, Apple and Netflix), as well as other tech like Microsoft and Cisco. What's the difference between these and, say, Pets.com or HotBot? *These are real companies.* Pets.com went boom to bust in less than a year. Broadcast.com sold for $5+billion...in 1999 (u kidin me?) Today's ""overvalued"" stocks have product, customers, business models and strategies in place. And the infrastructure they depend on actually exists."


My experience is from travelling in Central Europe and Germany, so I've dealt with much smaller amounts of money, but the general principles are the same. Many Visa-brand ATM cards allow you to withdraw money from European ATMs for a 1% fee (plus any fees the bank may charge, my bank charged zero fee) in local currency.  Even if the bank charges a 2-3% fee, the combined max 4% fee is going to be a lot smaller than most currency exchange places will offer.  There are a lot of exchange offices that are built to scam tourists out of their money.  We had no choice but to use one that ended up taking around 10% of the exchanged money (luckily we were only exchanging a small amount of currency).  Call your bank and ask what their fees are, and if they are large, find a bank with small or zero fees and move your accounts there.  Be sure to notify your bank that you are going to be travelling for an extended time in a foreign country.  Literally any ATM (Geldautomat) accepted our card (thank you VISA).  We literally walked off the plane with some USD and no foreign currency, and were able to stop at an ATM right outside our hotel (the taxi had a card reader, as most in Munich did). If you have a source of income secured within the country (which I am hoping you do if you will be living there) you could live off of your income, and use your USD to pay off things like credit card bills.  Get a Travel Rewards Credit Card (or similar card that offers no foreign transaction fees or free currency transfers).  Use this card for anything and everything you can, and pay it with a transfer from your US bank account.  Under this method you'll probably have to convert some currency, but you can do so from an ATM easily enough.


"I am not a lawyer, and I am assuming trusts in the UK work similar to the way they work in the US... A trust is a legally recognized entity that can act in business transactions much the same way as a person would (own real property, a business, insurance, investments, etc.). The short answer is the trust is the owner of the property. The trust is established by a Grantor who ""funds"" the trust by transferring ownership of items from him or herself (or itself, if another trust or business entity like a corporation) to the trust.  A Trustee is appointed (usually by the Grantor) to manage the trust according to the conditions and terms specified in the trust. A Trustee would be failing in their responsibility (their fiduciary duty) if they do not act in accordance with the purposes of the trust. (Some trusts are written better than others, and there may or may not be room for broad interpretation of the purposes of the trust.)   The trust is established to provide some benefit to the Beneficiary. The beneficiary can be anyone or anything, including another trust. In the US, a living trust is commonly used as an estate planning tool, where the Grantor, Trustee, and Beneficiary are the same person(s). At some point, due to health or other reasons, a new trustee can be appointed. Since the trust is a separate entity from the grantor and trustee, and it owns the assets, it can survive the death of the grantor, which makes it an attractive way to avoid having to probate the entire estate. A good living trust will have instructions for the Trustee on what to do with the assets upon the death of the Grantor(s)."


"So nobody is blaming them. I'm not sure why it is clear that it's someone's ""fault"" versus being just a shift in consumer behaviour. If there's a failing business should they fire the workers more quickly? I'm trying to understand your position here, and I don't know enough to ""blame"" anyone.  Really, what do you think is the primary issue? Clearly you feel something was the executive's fault, what is it you feel is their fault?"


> I pay for Reddit gold because I'm on this stupid site every day so I feel I should support it. I never would have come to that decision without using the site for at least a year first.  Yeah, I can relate--I feel an ethical obligation to support Reddit for the same reason, but I don't think Gold is the way to do it. Simply put, Reddit needs to fix its advertising. The targeting is shit, the performance is awful, and Reddit has been very slow to fix its ad products. Of course Reddit's audience is not particularly receptive to advertising, but it isn't unreceptive, that's for sure, especially if they do the campaign right. Reddit needs to get its real business potential figured out--if I buy them Reddit Gold before that, I feel like I'm enabling their incompetence.  Maybe I'm just rationalizing my cheapness.


As other have said though, the population of the EU is greater than that of the US market and so it is more profitable to take the fine, then pull out. The other issue also relates to capital invested in EU countries. By pulling out a full liquidation would be required, which is again a bad move for your (google's) businesses.   Any corporation on a global level such as google have to operate within the legal structure of each jurisdiction they wish to provide products or sales. EU based compiles get fined in the US regularly and don't pull out. It's the nature of global business.  I.e. 320/500 million potential consumers is fair superior than principles.   I should also add that the EU institutions place a heavy emphasis on consumer protection, unlike the US, which I believe is the basis of the Anti Trust Regulations.


Ah the Somalia answer. If you are not happy with us stealing from you, just because you were born here, then you can always give up everything you earned. Or because without the loving graces of the lord above you wouldn't even exist line more like it?


You can negotiate a no penalty for early payment loan with dealerships sometimes. Dealerships will often give you a better price on the car when you finance through them vs paying cash, so you negotiate in a 48 month finance, after you've settled on the price THEN you negotiate the no penalty for early payment point. They'll be less likely to try to raise the price after you've already come to an agreement.  My dad has SAID he does this when buying cars, but that could just be hearsay and bravado. Has said he will negotiate on the basis of a long term lease, nail down a price then throw that clause in, then pay the car off in the first payment.  Disclaimer: it's...um not a great way to do business though if you plan to purchase a new car every 2-3 years from the same dealer. Do it once and you'll have a note in their CRM not to either a) offer price reductions for financing or b) offer no penalty early payment financing.


Single payer health care, aka socialized, has been shown to be superior. If you haven't noticed we already do the free market thing. That is why insurers have been booting people with pre existing conditions and hospitals and pharma companies hugely jacking up the rates. Epi pens are up over 700% from a few years ago. Martin Shrekli bought rights to a life saving drug and jacked the prices astronomically. The free market works great for consumer products and services, but when it comes to services that are meant to benefit society, the free market does a horrendous job. Health care in other counties' goal is to provide adequate health care for the lowest cost. Here it is trying to charge people as much as they can get away with and marginalizing those that can't afford. And funny enough you are paying more for health care in your taxes than in any other country in ADDITION to your private insurance for lower quality care so the pharma execs can increase their share prices.


In general, minors cannot enter into legally binding contracts --   which is what credit accounts are -- so an individually held card is   probably not an option for you right now. You will not be approved for a credit card because you are minor. The only option credit card wise for you is for your parents to add you on as an authorized user onto their accounts. The upside is that you and your parents can work out a monthly payment for the amount you spend on your equipment, the downside is that if your parents don't pay their credit card bill, your credit score/report can be negatively affected. (This also depends on the bank, however, all the banks I bank with report monthly payment activities on authorized users' credit reports as well. There might be a bank that doesn't.)  In terms of credit cards, there is nothing you can do. What you could do as the comments have suggested is either save up money for the equipment you want, or buy something cheaper.


I think it is too early to tell. They changed so many variables in an incredibly complex system, and a lot of it will depend on how the requirements in the legislation look once the bureaucrats and insurance companies get a chance to interpret them and implement them as policy. My gut feeling is that for most people, you should plan on some pretty price increases for insurance in the next few years as insurance companies try cover the costs of removing lifetime caps and insuring people with pre-existing conditions. That said, the personal finance issue that you really should be planning for is your portfolio not your insurance costs. The bill includes almost a 4% increase in capital gains taxes.


"The appropriate structure for an organization depends largely on the size of the firm. Smaller firms can employ some non-traditional hierarchies more easily (i.e., flat design), whereas the same structures are more difficult to use in mid-size and large companies. The most important pieces of any corporate structure are (1) clarity of roles, (2) accountability, and (3) ease of communication.  Firstly, everyone in the organization must have clarity of their own role and how it fits into the bigger picture. That means a structure that is easy to understand, and a comprehension of how all the roles tie in to each other.   Secondly, a good structure will enable and empower leadership to hold the team accountable, and be held accountable in turn. What is often misunderstood about accountability is that people often assume that it simply means punishing poor behavior when something breaks down. In reality, that's holding people responsible, not accountable. Accountability is something that is self-driven and is a product of sound relationships and transparency. As an example, one of the most common breakdowns in accountability is found in passive non-responsiveness. This is when you may reach out to a business partner for help or an update, but they simply do not reply (as in email, text, or voicemail).   Thirdly, the structure should be such that it is easy for individuals to communicate across and up/down the chain. This doesn't mean that if you send an email, communication is easy. Rather, who do I reach out to for this problem? What are the best practices or agreed-upon methodologies for a certain practice, and how does the team know this? Some of this should be codified in the form of standard operating procedures (SOPs) which can be referenced at any time. Many companies use a ""playbook"" which is a high-level reference guide on how to operate the business (an example is found here: https://www.atlassian.com/team-playbook). A playbook can be anything from a PDF to an interactive website like the aforementioned link. It should always have the most up-to-date information.  Most companies will change their structure over time as their environment (both internal and external) change and they need to adapt. For example, a small firm may not need an HR department, but as it employs more and more people, a need to have someone (or an entire team) focused on human capital management rises quickly -- an owner-operator can handle only so much before it is time to scale up.  The most important thing to consider is who you hire. People are the largest expense to an organization, and having the right people in the right roles is the best way to avoid unnecessary incremental costs resulting from inefficiency, fraud, or risky behavior. Always look for the personality traits that make a good employee relative to the role (i.e., customer service: friendliness; finance: integrity; operations: teamwork).  One of the most obvious parts of a business as it scales up is specialization. You want to find a balance, though. For example, HR handles all human relations issues, while Legal handles all internal claims, suits, and patents. There is an overlap that occurs here, as internal claims often start as human relations issues, which means you must have healthy communication and clear accountability for an appropriate hand-off so Legal takes a claim at the right point in time. While this example may be a little obvious, many times the edges are blurred, and clarity of role can be difficult.  I hope that helps! Reach out with any follow-up questions."


"That ship has basically sailed. A significant number of businesses are going to have to replace their terminals *again* if the banks change their minds, which I doubt they would be too happy about. For example, a lot of small businesses use Square, which will not ask for PIN at all even for foreign cards and has no hardware that would permit it. Not to mention the restaurants that didn't bother with wireless terminals the first time (which is most of them).  Hell, even ignoring all that, a lot of major retailers don't even bother asking for the PIN with chip and PIN credit cards unless it's over $25-50. (Meanwhile, they always ask for the PIN for debit cards.) It's almost as though security *isn't* the main reason for wanting PIN to be required.  Source: I have a couple of the (very few) cards issued by American banks that ""require"" PIN."


There are a number of ways you could do this. The first step is to work out what a fair price is. Either make an estimate that you both accept, possibly getting a real estate agent to give you a free evaluation, or get a professional evaluation from some you both accept. Once you have a valuation, the simplest of course is to pay your brother that value (in return for his transferring his ownership to you). Hopefully you have that much money in savings. If you don't have that money (but do have income) you may need to take a mortgage, which would put your home at risk. If the pollution you speak of hasn't been fixed a mortgage may be out of the question. An alternative, if you have income, and your brother doesn't need the money right now, is to make the money you owe him for the house a loan from him to you. He transfers his ownership of the house to you, you pay him its value, but he simultaneously loans you that exact same amount. No actual money needs to change hands. You would make him a regular payment, essentially the interest on that loan, and also make an agreement to pay off the principal of the loan (i.e. the value of the house) when the house is sold, or when you pass away. While you could do this informally if everyone agrees, it would be much better to make a legal agreement, so that everybody is exactly sure what they are expecting.


"Why does it have to be a central authority?  We collect taxes on local, state, and federal levels.   My question is that we, in the USA are (in my opinion) to fixated on the taxes that rich people might pay and that if we ""anger them"" with higher taxes, they will run away.  Where is the concern for the welfare of the working man and his family?"


>FTFY: Repeat after me: Monopolization can only occur when there is a corrupt government to limit the emergence of competitors.  No government exists that is not corrupt, as power attracts corruption. The sooner you realize you can't obtain a non-corrupt government the better off you'll be.   >How about we stop voting for the limited government idiots and start electing people who have the best interests of the American people at heart.  I would suggest the people who wish to limit the government do, in fact, have the best interests of the American people at heart.


"Government registering of financial institutions usually is to make the government safe (eg FINTRAC is watching for money laundering and financing terrorism) rather than to make it's customers safe.  Most governments have many levels of registrations and regulatory bodies. The most stringent requirements are usually obligatory only for banks, and they indeed often include precautions for insuring customer's deposits. Even this insurances have limits, eg in most EU countries the state guarantees deposits up to 100kEUR. If you deposit more and the bank flops - you lose everything over the limit. Companies like forex or currency exchanges usually make their best effort to avoid as many regulations as possible, just because it's costly. If a given company does have guarantee funds and/or customer insurance, it should be advertised and explained on their website. However the whole issue of trust is misguiding. You don't have to ""trust"" in your grocery store to shop there. There is no government guarantee that the vegetables sold will be tasty. If you buy and the product fells short of your expectations, you call it a loss and start shopping elsewhere. Financial services are no different than any other product. I recommend to your aunt to start small and see how it works. If a service turns out well, she can increase the amount sent through exchange and decrease amount sent through bank. But still, it's always prudent to send eg $1000 every week instead of $4000 once a month. It's more time consuming and cumbersome than having your bank do it - but it's the safety and convenience you're paying premium for."


Its not about her trying to fuck you over.  Its about yourself, herself and her brother not taking into account the risk and assuming this is easy money.  Legality is the easy part. Competing in the market and coming out on top is the hard part. There are probably hundreds of people just like her brother thinking that setting up a weed shop is a get rich quick scheme.


Here in Upstate NY, in a house with no air conditioning, my peak winter electric/gas bill is roughly 3x a summer bill more typically, it's about double. A typical bill outside of heating season is $125. We basically set aside $200/mo for electric & gas, and keep the balance in a separate account at ING Direct (We like ING, as you can easily create and name accounts for specific purposes). We own a house, so usually we rebalance the account in September when the school taxes arrive.


"Once a currency loses value, it never regains it. Period. Granted there have been short term periods of deflation, as well as periods where, due to relative value fluctuation, a currency may temporarily gain value against the U.S. dollar (or Euro, Franc, whatever) but the prospect of a currency that's lost 99.99% of its value will reclaim any of that value is an impossibility. Currency is paper. It's not stock. It's not a hard commodity. It has no intrinsic value, and no government in history has ever been motivated to ""re-value"" its currency. Mind you, there have been plenty of ""reverse splits"" where a government will knock off the extraneous zeroes to make handling units of the currency more practical."


Yeah and that's what they get for relying on illegal workers. Either pay a fair wage or quit and let someone else who will pay a fair wage have a chance at it. Sure, those hand picked food prices will rise, but who cares? If that is what it is truly worth then that is what it should cost.  It isn't like this is going to make other automated staple crops like grains any more expensive.


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Not zealous, I just was quickly glancing while taking my morning shit.  But I do very much like the company, and enjoy working for them.  I'm treated well, the culture is great, and for the customers that are right for best buy, we are great.    I spent 12 years before working here in IT.  The only time I bought stuff from best buy was because I needed it right then, so I'm with you.   But you are generally not our demographic.(I can't imagine corporate thinks you are, I'm just a store level employee, not representing the company)


"> ...we conclude that the second wage increase to $13 reduced hours worked in low-wage jobs by around 9 percent...  Anyone know what the definition of ""low-wage"" is?  I am wondering how much of this 9% is low-wage workers being boosted out of the low-wage category."


For example at my school, Cal State Fullerton,  you are able to visit fullerton.edu/openuniversity to check for classes you might sign up for. You're required to pay for the course up front and in person at the college. There are both on campus and online classes there. Each university will be different though.  If your parents are willing to spend the money, go for it. $: Around $1000   Also, you might be able to enroll in a community college and do the same thing. The biggest difference is the lesser amount for a course. $: Around $200   At 15, I think the smarter option is free courses that will alliw you to feel out your interests.    Good luck!


Pretty sure they said they went up by 3% or more after it was legalized.  You need to realize that these statistics are all not helpful at all.  While someone is saying fatal car wrecks didn't increase, someone hit and disabled the rest of their life wouldn't count towards this.  There was also someone saying that claims have gone up 16% since pot was legal in Colorado but that could be from someone hitting a tree or just bumping another driver.  Regardless though, they still went up.  Overall, if they police smoking and driving as heavily as they do with alcohol, then fine I guess.  I'd rather if people were impaired that they stayed off the road but people are ignorant and assume getting high is 100% safe.


often financial software is dire, with crappy interfaces and poorly integrated to the wider company. I have an ambition one day to create a modern human centred financial software that is focused on the task at hand rather than forcing the user to jump through unnecessary hoops. Also Excel should be banned for many reasons.


I found this page at CNN Money, that lists 5 viable alternatives to Paypal, namely: I would suggest looking for unbiased sources like CNN rather than searching for alternatives and happening upon the merchant's sites themselves. Hope this helps!


I love how you so thoroughly believe that citing a reference (i.e. someone ELSE) somehow defines what is true/false... and how oblivious you are relative to your own gullibility via that.  > This is a waste of my time.  Which is obviously nothing new for you.  Have you actually ever done anything that ISN'T a waste of time?


I dont remember the specifics, but basically I have been staying away from sears for years (passively, not like an intentional boycott) because of the poor customer service my friends and I have experienced (believe it was with either with returns, or with store credit card).  Apparently they still suck majorly: http://www.resellerratings.com/store/Sears


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>That's why the CEO pay is so enormous, because the board can make that decision and none of the common shareholders have enough power to override it.  As with any business, when you own less than 50% you have a  say but  are at the mercy of all the other shareholders.   That's kinda the way things work.  Don't like it?  Don't buy a piece of the company.   Want majority ownership of Intel corporation?  Buy up 2.5bn shares and take controlling ownership.     I still don't get what you're bitching about - that minority shareholders should have a majority say?     That's the way owning a piece of any company works; a  corporation or an LLC.  The same bullshit you're spewing off about is the same bullshit that people bitch about in a democracy; they want their voice to count for more.   You're vote is worth in a company based on the portion you own.


>Basically the banks (Countrywide was the worst about this) failed to uphold lending standards when they were giving out mortgages because it wasn't in their self-interest  Is there such thing as lending standards? As in by law or by regulations? (Not ethics)  As far as I know the major regulations banks have to follow are the capital ratio requirements (Basel I,II) and the min 4% leverage ratio (FDICA). I'm assuming the banks kept to the ratios by keeping illiquid securitised loans off their balance sheet.  >after the banks would give someone a mortgage the banks would make their fees off the mortgage and then bundle these mortgages into securities. The banks then had these sub-prime mortgages that are now bundled together as securities,   From my understanding the bank did originate the loan, and they will assign this loan to a trust fund who will securitise the loans into CDOs or mortgage backed securities. I have 2 questions from this:  1) What is wrong with this and  2) if it is unethical or greedy, what can be done to solve this? Stop them from securitising these loans? Wouldn't that destroy the reinsurance market?  >then Moody's/S&P and other ratings agencies gave them AAA ratings despite nearly everyone in the industry knowing they were time-bombs waiting to go off. Goldman Sachs and everyone else knew what was going on, but they didn't want to get stuck holding the bag, per se, so they committed fraud by knowingly misleading their clients to buy these securities.  So the responsibility lies more with these guys then? Goldman Sachs were the ones committing fraud and now the SEC is going after Fannie and Freddie. The banks didn't break any laws or regulations.


I guess they are overpriced but usually their stuff has  what no one else has or is more advanced then anyone does. Atleast in some way.  Like look at psp  Their phones are well priced and many vaios are too like check out the vaio s series.  Say the vaio z is alot? Yet its still cheaper then a macbook pro. the z is a world class laptop fitting so much into such a thin and light package.  Yet a $1000-1100 vaio s packs a wholeeee lot of punch for that price.  Their products usually have at least a few features others dont. Such as their point and shoots have had the night vision mod since.. Forever.  Their sony nex mirrorless camera? state of the art technology.  Who is going to pay for all that reasearch andd development?  Look at many other companies, they barely ever have new industry leading or future leading features.  They have made mistakes in the past such as the proprietary memmory cards...  But what else?  Ps3 controllers use mini usb Most of their laptops have both vga and hdmi  I think people love to hate sony but they have arguably done more for technology then almost any other company.  I would sure as hell pay a bit more for that then pay 2x more for apples new product that is more shiny then the last.....


"Nope, it's just relevant to point out that no additional credentials are required when some dipshit claims that the requirements for a job are somehow much higher than they actually are. My brother got a job at Boeing 2 or 3 years after leaving high school. He never attended college, he had no additional certs (welding, machinist, etc). Same goes for all the other people I know that are working at Boeing, except they have varying levels of college education (with the commonality that none of them actually have even a 2 year degree completed). You are just completely full of shit.  But hey, don't take it from me. Take it from the requirements section of their job postings:  http://jobs-boeing.com/st-louis/entry-level/jobid5850922-maintenance-mechanic-jobs  I would love to know what possesses a person who clearly does not have the knowledge required for a conversation on a specific topic to enter it so passionately and to make such fraudulent claims. I mean, did you not do the 2 minutes of research necessary? Whatever the case, it sure makes statements like this more hilarious:  >You know what the problem is with guys that ""started using a headhunter immediately after junior year ended"" is? They think they know about things they have no idea about."


You can't change the W2, the employer issues it and sends it to the IRS. You cannot affect it in any way. The employer reported correctly. You did contribute $4137 in 2015. You then withdrew the excess in 2016, and did it timely, so it is not taxable in 2016. However, the excess contribution should be added back to your wages on your tax return. The way to do it is to add it to the taxable wages amount (reported on W2 box 1), and attach a statement explaining that the amount added is the excess contribution. You then put the corrected amount in the right place on your tax return (line 7 on the form 1040). Adding the difference to misc income (line 21) is OK too, it's the same effect. You will then need to check with your payroll that they're aware that the excess was deposited back on the account of the next year and adjust their reports accordingly. Otherwise you'll end up with excess contribution again.


My bank (USAA) moves money to and from a USAA brokerage account instantly. They also have instant transfers from their money market funds to checking, savings, and brokerage. It takes the 3 days to go to another institution, though.


Next will be Applebees and Chilis and then slowly the Olive Gardens and Red Lobsters will follow suit. These eateries are no longer attractive. Millennials value craft and local food. I can not tell you the last time I saw a full parking lot at Chilis on a Friday night ( well maybe in 1996).


Is this possible and will it have the intended effect? From the US tax perspective, it most definitely is and will. Is my plan not very similar to Wash Sale? Yes, except that wash sale rules apply for losses, not gains. In any case, since you're not a US tax resident, the US wash sale rules won't apply to you.


**Net neutrality**  Net neutrality is the principle that Internet service providers and governments regulating the Internet must treat all data on the Internet the same, and not discriminate or charge differentially by user, content, website, platform, application, type of attached equipment, or method of communication. The term was coined by Columbia University media law professor Tim Wu in 2003, as an extension of the longstanding concept of a common carrier, which was used to describe the role of telephone systems.  A widely cited example of a violation of net neutrality principles was the Internet service provider Comcast's secretslowing (a.k.a. “throttling”) of uploads from peer-to-peer file sharing (P2P) applications by using forged packets.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.27


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You need to report the interest expense, assuming the loans were for your business: You need to report interest expense (only interest, principle is not an expense just as the loan proceeds are not income). The interest expense goes to the appropriate line on your Schedule C or E (depending on whether you used the loan for the online business or the rental). People whom you borrowed from must also report the interest as income to them on their Schedule B. You cannot deduct the interest expense if they don't report it as interest income. If you didn't take the loans for your business then the interest is not deductible. You don't need to report anything. People who lent you money still have to report the interest you paid to them as income on Schedule B. If you paid no interest (free loan) or below/above market interest to a related party (family member), then the imputed interest is considered income to them and gift to you. They need to report it on their Schedule B, and depending on amounts - on a gift tax return. For $1K to $10K loans there probably will be no need in gift tax returns, the exemption is for $14K per year per person. If the imputed interest rules may apply to you, better talk to a licensed tax adviser on how to proceed.


"There are TWO parts to an LLC or any company structure.  This being the entire point of creating an LLC.  The context is that a lawyer is after your LLC, and he's arguing that the LLC is not genuine, so he can go after your personal assets - your house, car, IRAs, tap your wife's salary etc.  This is called ""piercing the corporate veil"".  What would he use to claim the LLC is not genuine?  The determination here is between you and the judge in a lawsuit.  Suffice it to say, the way you withdraw money must consider the above issues, or you risk breaking the liability shield and becoming personally liable, which means you've been wasting the $25 every year to keep it registered.  The IRS has a word for single member LLCs: ""Disregarded entity"".  The IRS wants to know that the entity exists and it's connected to you.  But for reporting tax numbers, they simply want the LLC's numbers folded into your personal numbers, because you are the same entity for tax purposes. The determination here is made by you.  *LLCs are incredible versatile structures, and you can actually choose to have it taxed like a corporation where it is a separate ""person"" which files its own tax return. * The IRS doesn't care how you move money from the LLC to yourself, since it's all the same to them.  The upshot is that while your own lawyer prohibits you from thinking of the assets as ""all one big pile"", IRS requires you to. Yes, it's enough to give you whiplash."


When a contract is breached by one party, the party who suffers by such breach of contract is entitled to receive from the person who has broken the contract, compensation for any loss or damage that has occurred to him by such breach. Such compensation however cannot be claimed for remote or indirect damages.


Between the commodity slump in 2014, emerging markets producing huge amounts of cheap products and automation bringing down margins it's not so surprising that we see inflation on the low side of predictions. On top of that, central bank inflation targeting surely has an impact as well in weakening the Phillips curve relationship.


"What you're describing is a non-deductible traditional IRA.  That is what happens when your employer 401K or your high income disqualifies gou from using a traditional IRA the normal way.   Yes, non-deductible traditional IRAs are stupid.**   Now let's be clear on the mechanism behind the difference.  There's an axiom of tax law that the same money can't be taxed twice.  This is baked so deep into tax law that it often isn't even specified particularly.  The IRS is not allowed to impose tax on money already taxed, i.e. The original contribution on an ND Trad IRA.  So this is not a new kind of IRA, it is simply a Trad IRA with an asterisk.  **But then, some say so are deductible traditional IRAs when compared to the Roth.   The real power of an ND Trad IRA is that it can be converted to Roth at all income levels.  This is called the ""Roth Backdoor"".  It combines three factors. Contribute to an ND Trad IRA, stick it in a money market/sweep fund, and a week later convert to Roth, pay taxes on the 17 cents of growth in the sweep fund since the rest was already taxed.  The net effect is to work the same as a Roth contribution - not tax deductible, becomes a Roth, and is not taxed on distribution.   If you already have traditional IRA money that you contributed that wasn't taxed, this really screws things up.  Because you can't segment or LIFO your IRA money, the IRS considers it one huge bucket, and requires you draw in proportion. EEK! Suppose you contribute $5000 to an IRA in a non-deductible mode.  But you also have a different IRA funded with pretax money that now has $45,000.   As far as IRS is concerned, you have one $50,000 IRA and only $5000 (10%) is post-tax.   You convert $5000 to Roth and IRS says 90% of that money is taxable, since it's the same pool of money.  You owe taxes on all of it less the $500 fraction that was pre-taxed, and $4500 of already-taxed IRA remains in the account.  The math gets totally out-of-hand after just a couple of conversions.   Your best bet is to convert the whole shebang at one time -- and to avoid a monstrous tax hit, do this in a gap year."


No, you cannot. The FICA taxes paid are not refunded if you're not reaching the benefits threshold. They're gone. That is why foreigners who are not tax residents (mainly students) are not required to pay them. If your home country has a social security reciprocity agreement with the US - you can have a credit in your home country.


Alright, IRS Publication 463: Travel, Entertainment, Gift, and Car Expenses Business and personal use. If you use your   car for both business and personal purposes,   you must divide your expenses between business   and personal use. You can divide your expense   based on the miles driven for each purpose. Example. You are a sales representative   for a clothing firm and drive your car 20,000   miles during the year: 12,000 miles for business   and 8,000 miles for personal use. You can   claim only 60% (12,000 ÷ 20,000) of the cost of   operating your car as a business expense Obviously nothing helpful in the code.  So I would use option 1, weight the maintenance-related mileage by the proportion of business use.  Although if you use your car for business a lot (and perhaps have a spouse with a car), an argument could be made for 3.  So I would consider my odds of being audited (even lower this year due to IRS budget cuts) and choose 1 or 3. And of course never throw anything away until you're room temperature.


Not an Amazon fanboy by any means, but part of their philosophy is basically that if we don't sell low, somebody else will. The low prices and service ARE the advertising, and the volume helps them push efficiencies further. There isn't anything stopping them from raising prices, but its sort of runs counter to their whole business mantra.


"This is the best tl;dr I could make, [original](https://www.cnbc.com/2017/10/20/france-emmanuel-macron-theresa-may-problem-nobody-explained-brexit-consequences-british.html) reduced by 57%. (I'm a bot) ***** > French President Emmanuel Macron told CNBC Friday that the problem that U.K. Prime Minister Theresa May has is that nobody explained to the British people the consequences of a Brexit vote.  > When asked if the European Union would be able to make some verbal concessions to allow May to sell a Brexit deal at home, Macron told CNBC that there&#039;s no room for such unofficial compromises.  > &quot;The objectives are fixed, they&#039;re conducted from the European side by Michel Barnier, and we have to respect that,&quot; Macron told CNBC, referring to the EU&#039;s approach of discussing citizens&#039; rights, financial settlement and the Irish border, before moving on to talks on trade.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/77pzsw/nobody_explained_the_consequences_of_brexit_to/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~232167 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*: **European**^#1 **told**^#2 **Brexit**^#3 **U.K.**^#4 **Macron**^#5"


>Yet only $200 billion in new federal spending is specified (and again, this must be balanced against the enormous cuts to public investment already embedded in their overall budget plan). Where does the rest of the funding come from? In a word, nowhere. There is hand waving about leveraging the private sector and vague claims that federal “divestment” from infrastructure provision will somehow empower state and local governments to do more (but without any new funding source for these governments!). But like Trump’s campaign plan, this is an unserious document meant to sound like an infrastructure investment plan, but one that would radically underinvest in projects overall, and which would prioritize projects that can provide profits to private entities (like toll roads to airports) rather than projects that provide the largest welfare boost to vulnerable communities (say replacing lead-laced water pipes for communities like Flint, Michigan).  Heart of the article


I use to think there was something wrong with me because I always hated spending money.  This hatred of spending resulted in me always saving quite a bit of my income. Since I don't enjoy spending it, why am I making and saving it (besides for an emergency fund)?  I've come to the realization that I enjoy my free time more than I enjoy making lots of money.  So I go to work for something to do - and pay the bills - but I am no longer trying to advance my career, or be the best at my profession, or climb some corporate ladder, or be some superstar.  In fact, I'm considering a career change where I would make half of what I'm making now. What's my point?  If having a lot of savings depresses you and you don't enjoy spending it then consider reducing your income.


Protect competition, not protect competitors.  In a lot of cases in the tech world no one knows who the competitors is a few quarters/years down the road.     Also, enforce regulations against regulation-arbitrage companies like Uber/Lyft, AirBnB, or reg-arb tech like ICO, all of which relied on regulatory leeways allowing them to crush existing companies that's been saddled w/ regulations.     In countries where regulatory arbitrage doesnt exist these 'innovators' fail, e.g., Uber in South Korea.


"Repayment of student loans is usually deferred until graduation. Unless you are late or non-performing on a loan, it will make no difference to an auto loan. To get a (normal) auto loan you will need to demonstrate a source of income or have the loan co-signed by someone who does have income. As a general rule of thumb, banks care a lot more about your income than your ""credit score""."


"Money is money because people believe it is money. By ""believe it is money"", I mean that they expect they will be able to turn it into useful goods or services (food, rent, houses, truckloads full of iron ore, mining equipment, massages at the spa, helicopter rides, iPads, greenhouses, income streams to support your future retirement, etc). Foreign exchange rates change because people's ideas about how much useful goods or services they can get with various currencies change. For example: if the Zimbabwe government suddenly printed 10 times as much money as used to exist, you probably couldn't use that money to buy as much food at the Zimbabwe-Mart, so you wouldn't be willing to give people as many US-dollars (which can buy food at the US-Mart) for a Zimbabwe-dollar as you used to be able to. (It's not exactly that easy, because - for instance - food in the US is more useful to me than food in Zimbabwe. But people still move around all sorts of things, like oil, or agricultural products, or minerals, or electronics components.) The two main things that affect the value of a currency are the size of the economy that it's tied to (how much stuff there is to get), and how much of the currency there is / how fast it's moving around the economy (which tells you how much money there is to get it with). So most exchange rate shifts reflect a change in people's expectations for a regional economy, or the size of a money supply. (Also, Zimbabwe is doing much better now that it's ditched their own currency - they kept printing trillions of dollars' worth - and just trade in US dollars. Their economy still needs some work, but... better.)"


I'm in an industry where we try to do this every day.  For a long time, I worried that the automating of my job would eventually put me out of work, but I later found out that the automation process always introduces new bugs and issues into the system.  Also, since my company is always expanding its present products, new opportunities for growth are always opening up as well as the need for new talent and people to fix whatever issues arise.  This isn't to say that automation will never make my job obsolete, but I've found that it keeps me on my toes and forces me to continue my education in my field, all of which is a good thing.


You can make money via stocks in two primary ways: Note that there's no guarantee of either. So it may very well not make you money.


Their loans and rates are not very good for a credit Union. They are the most bank like in the way they operate (in a bad way).  Customer service has always be excellent the issue I have is with their services. It is very easy to find a better credit Union with far better services.


Why does it bother you? Company probably invested tons of money to build this embedded system, verify it, and probably certify it with whatever regulators they deal with in banking. Moreover, this is very closed system with no general access to it. For all we know, it can still run DOS, and if it does what it supposed to it is totally fine.


For now we can pay off our debt in United States dollars. If we lose our reserve currency status, we would have to pay it off with a different currency. If we continued printing money we would be debasing our currency against the new reserve currency, which would mean that after we took on too much debt we wouldn't really be able to pay our creditors back after exchanging our devalued currency for the new one on the international markets. We are lucky enough not to have to worry about this now. But I think OP was referring to all countries in these situations. Other countries don't have the luxury of just printing out massive amounts of money to pay off their debts. That is why I am saying that America has a very disillusioned view of reality when it comes to deficit spending. We wouldn't have that any more if the UN followed through with its suggestion to create a global reserve currency or reverted back to the gold standard (I don't think the second option is nearly as realistic but we never know).


If I were planning to move every few years, I'd seriously consider renting, rather than purchasing. And remember - a home isn't an investment, it's a living expense.


TL:DR: You should read something like The Little Book of Common Sense Investing, and read some of the popular questions on this site. The main message that you will get from that research is that there is an inescapable connection between risk and reward, or to put it another way, volatility and reward. Things like government bonds and money market accounts have quite low risk, but also low reward. They offer a nearly guaranteed 1-3%. Stocks, high-risk bonds, or business ventures (like your soda and vending machine scheme) may return 20% a year some years, but you could also lose money, maybe all you've invested (e.g., what if a vandal breaks one of your machines or the government adds a $5 tax for each can of soda?). Research has shown that the best way for the normal person to use their money to make money is to buy index funds (these are funds that buy a bunch of different stocks), and to hold them for a long time (over 10-15 years). By buying a broad range of stocks, you avoid some of the risks of investing (e.g., if one company's stock tanks, you don't lose very much), while keeping most of the benefits. By keeping them for a long time, the good years more than even out the bad years, and you are almost guaranteed to make ~6-7%/year. Buying individual stocks is a really, really bad idea. If you aren't willing to invest the time to become an expert investor, then you will almost certainly do worse than index funds over the long run. Another option is to use your capital to start a side business (like your vending machine idea). As mentioned before, this still has risks. One of those risks is that it will take more work than you expect (who will find places for your vending machines? Who will fill them? Who will hire those who fill them? etc.). The great thing about an index fund is that it doesn't take work or research. However, if there are things that you want to do, that take capital, this can be a good way to make more income.


"There's the question whether knowledge about unannounced products is actually ""material"" if everyone (the public) knows that something new will be released. If you work at Apple on the development of the iPhone 8, that's not material. If you worked at Apple and you knew that they stopped developing new phones, that would be very, very, very material information.  The important thing as far as the stock market is concerned is what sales look like, and that's not something you know as a product developer."


"Sure, it's irresponsible for an executor to take actions which endanger the estate.  But what about passivity or inaction?  Put it another way.  Is it the obligation of the executor to avoid making revenue for the estate?  Think about it - what a silly idea!   Consider a 12-unit apartment building full of rent paying tenants.  A tenant gives notice and leaves.  So do 4 more.  With only 7/12 tenants, the building stops being a revenue center and becomes a massive money pit.  Is that acceptable?  Heck no!  Realistically this will be managed by a property management company, and of course they'll seek new tenants, not stopping merely because the owner died.  This situation is not different; the same fiscal logic applies.  The counter-argument is usually along the lines of ""stuff might happen if you rent it out""... true. But the stuff that happens to abandoned houses is much worse, and much more likely: squatters, teen ""urban explorers"", pot growers, copper thieves, winter pipe freeze flooding and wrecking interiors, etc.  Don't take my word on it -- ask your insurer for the cost of insuring an abandoned house vs. a rented one.  Renting brings a chunk of cash that comes in from tenants - $12,000/year on a $1000/mo. rental. And that will barely pay the bills if you have a young mortgage on a freshly purchased house at recent market rates.  But on an old mortgage, renting is like printing money.  That money propagates first to the estate (presumably it is holding back a ""fix the roof"" emergency fund), and then to the beneficiaries.  It means getting annual checks from the estate, instead of constantly being dunned for another repair.  But I don't care about making revenue (outside of putting back a kitty to replace the roof).  Even if it was net zero, it means the maintenance is being done.  This being the point.  It is keeping the house in good repair, occupied, insured, and professionally managed -- fit and ready for the bequest's purpose: occupancy of an aunt.  What's the alternative?  Move an aunt into a house that's been 10 years abandoned?  Realistically the heirs are going to get tired/bored of maintaining the place at a total cash loss, maintenance will slip, and you'll be moving them into a neglected house with some serious issues.  That betrays the bequest, and it's not fair to the aunts. Rental is a very responsible thing to do.  The executor shouldn't fail to do it merely out of passivity.  If you decide not to do it, there needs to be a viable alternative to funding the home's decent upkeep.  (I don't think there is one).  Excluding a revenue-producing asset from the economy is an expensive thing to do."


"This question is different because you are asking for actual advice vs. a more academic, ""what if"" scenario. The answer that I'll give will be different, and similar to another recent question on a similar vein. Basically, if you're living in a European country that's effectively in default and in need of a bailout, the range of things that can happen is difficult to predict... the fate of countries like Ireland and Greece, whatever the scenario, will be economic and social upheaval. But, this isn't the end of the world either... it's happened before and will happen again. As an individual, you need to start investing defensively in a manner appropriate for your level of wealth. Things to think about: I'd suggest reading ""A Free Nation Deep in Debt: The Financial Roots of Democracy"""


On a 5% mortgage, after 24 months of payments on a 30 yr amortization, you will have paid 3% of the principal, so all else being equal, you have 15% equity. If the value is up, even a bit, the first step is to call the bank. If you are pretty sure it's up enough, ask them to remove PMI in exchange for you paying the appraisal fee. If they hesitate, ask them if you prepay the remaining missing 5%, if they'll pull the fee. 8% of principal is paid by the end of year 5, at which time they have no choice but to remove it. Doing so any sooner is their call.  If they agree to the pre-pay deal, I'd find a way to raise the funds. It will save you over $5000 in a short period. Last, while 5% really is great, especially NPNC, shop around, you may find another no cost deal at the same or lower rate, no harm to look, and they may appraise you at 80% LTV.


I have been a private tutor on and off for about 30 years, in three countries, so I understand your concerns!  I always kept records as though it was a real business - even if I only had one student I kept records of dates/times/names, and also tracked where the money went (I never spent it straight up - it always got deposited to complete the paper trail; yes, this is paranoia on my part).  I've never been asked to prove anything with regards this income (although I have no Canadian experience). It's always been a case of tell the tax folks and make sure my arse is covered if they come asking questions. Hope this helps.


GiveDirectly works substantially better than you'd imagine, and is money well spent in terms of unlimited problems and limited resources. But it probably isn't as close to perfect as reports like this make it seem.  As a general idea, financial efficiency is super important but you still need to analyze that the approach the organization takes is effective. Part of the downside of GiveDirectly is based on the fact that your average joe won't always spend money in the perfect manner.   This article is a pretty good critique and links to a more formal study -  https://ssir.org/articles/entry/givedirectly_not_so_fast  Think it's a great organization but the flowery praise may be a bit too optimistic. I sure as shit don't know.   Depends on the mission but quantifying the efficacy of charities and benefit per dollar spent is very difficult. The most economically efficient charity ever is probably a smaller organization that approaches a very concrete simple problem, and has minimal overhead. Best guess would be a food bank run by a convent/monastery.


First, I assume you understand that 'Cash Offer' doesn't mean you really show up with cash (in a duffel bag...), but is an expression that designates that you don't need a mortgage approval, but have the money in your accounts. The advantages for the seller are With both cases depending on the seller's situation, there can't be a generic answer, and the 'discount' will be all over the place between zero and several percent.


If you know the VBA language for Excel and can use R well, then you can probably at least get an interview at a quant hedge fund. Add an understanding of how to invest/trade and you would be a pretty decent candidate straight out of undergrad.


This makes no sense because if those people did not eat those carbs they would have converted the fat into energy instead of storing it.   Both contribute to your calorie intake and unfortunately in western cuisine carbs also happen to generally come with a high amount of fat to flavour it. Eg. Chips, mash, creamy pasta, certain sandwiches and burgers, etc


With Mint you are without a doubt telling a third party your username and password.  If mint gets compromised, or hires a bad actor, technically there isn't anything to stop shenanigans.  You simply must be vigilant and be aware of your rights and the legal protections you have against fraud. For all the technical expertise and careful security they put in place, we the customers have to know that there is not, nor will there ever be, a perfectly secure system. The trade off is what you can do for the increased risk.  And when taken into the picture of all the Other* ways you banking information is exposed, and how little you can do about it, mint.com is only a minor increase in risk in my opinion. *See paypal, a check's routing numbers, any e-commerce site you shop at, every bank that has an online facing system, your HR dept's direct deposit and every time you swipe your debit / credit card somewhere. These are all technically risks, some of which are beyond your control to change.  Short of keeping your money in your mattress you can't avoid risk.  (And then your mattress catches fire.)


my wife and I own a 2 br/2 bath house on .25 acres in western MA.  We were able to refinance it and now pay about $400 a month in mortgage, and another $350 in taxes each month.  Insurance is $50.    We grow our own produce during the spring/summer/fall and put up a lot of canned stuff and whatnot in October.  We don't eat much meat.  I make about $20k/yr teaching music.  Our 2 year old doesn't go to daycare.  I care for him during the day and pay a babysitter in the evening while I teach.  My wife is a cook and earns slightly more than me.  Our combined income is about $42k/year.  We have savings, investments and no debt.  We do not use credit cards.  We don't shop for the latest gadgets and gizmos.  We look for bargains wherever possible, we go without and we do a lot of barter.  See it is possible to do it.  It takes hard work and creativity


"The words ""good"" and ""bad"" are evaluations and are the conclusions which you reach after a chain of thought.  You look at the situation, you identify the problem, you think of a solution, and you offer an evaluation.  So, when you call a policy ""good"", you jump over any analysis tied to context and facts straight to a conclusion.  Absent the thinking which helped you reach the conclusion, the conclusion itself is worthless.  So, statements like ""Taxing the rich more is a good policy"" are equivalent to saying [""Fire bad!""](http://www.nbc.com/saturday-night-live/video/weekend-update-segment---frankenstein/n10838?snl=1)  Ultimately, they just tell us how you feel about the policy.  We don't care how you feel about it, we care how you think."


IRS has it spelled out Business or Hobby?


When I say the economic rich, I'm referring to those businesses that do not lean on government for their income. They may lobby, and they may do business with government, but they would be profitable with or without government.   A good example is Amazon, a bad example is Lockheed Martin.


If the work is done in India, then the income arising out of it, is taxable when received by you, and not when it come into India ...


"You really should try reading the article. Your opinion on the title is great and all, but you'd probably ask more relevant questions if you actually knew what we were talking about here.   > Will the taxpayers be given a refund on their tax bills if this deal goesn't through?   No. Are you familiar with taxes in the US at all? That is not something this country does often.   > What else will the tax dollars be spent on ?  Pretty much anything? Money can be spent on many things. Currency in general is a great trade assistant. Are you familiar with how money works?   Seriously. Read the article.   > The reality is, either the state can invest in things that create jobs, or they can spend on things that create nothing.  I mean no, this isn't all that the state can do. That being said, ""create jobs"" is a huge gray area that doesn't require making horrible financial decisions that will never, ever give a positive ROI. If you think this is literally the only job creating opportunity this state has, or if you can't track that it's even possible for a state to consider more than one thing at a time, I dunno what to tell you.   Also. Read the fucking article. It's like 6 paragraphs. I have no idea why you think that anyone should read your opinion if you can't even put in the time to see what the conversation is about."


> At the end of the day, that stockpiled wealth is still wealth we don't have that the Japanese people can rely upon  At the end of the day, the pile of real goods they worked to send us is real wealth we have that they don't. Bearing in mind that their stockpile of dollars isn't a constraint on the *issuer* of the dollar.  >I'm saying let's actually figure out a method for determining our constraints scientifically in real time, and adapt our policy accordingly!  Sounds good. Going back a ways in the thread, the indicators you want to look at are employment, output and inflation. Slack employment & output with low inflation indicate not enough spending, full employment with little to no output gap and stable prices tells you you have it right and rising inflation tells you it's too high.  To a great degree, finding the mark takes care of itself when fiscal policy is built around strong automatic stabilizers, spending that is counter-cyclical by design.


"gatorsrule, First I want to say that I agree with you that the gators rule.  Now, on to economics.  I will try to address each of your points as best I can.   -The lack of ""demand"" is aggregate demand.  This includes individual spending, corporate spending, government spending, and exports.  Individual spending is down as geerussel pointed out.  Whether or not that is a good thing let's reserve for later.  Next, corporate spending is at all time lows.  The S&P 500 companies have the highest cash on hand ever in history.  Nobody is hiring.  Bond issues are down.  Mergers are down.  Capital is being hoarded.  Third up, government spending.  We all know this is up, but don't rush to add in the fed and bailouts to this number, lets just consider it what the government actually spends into the economy.  Lastly, exports are down because the rest of the world is hurting.  So, 3 out of the 4 components of aggregate demand are down, and there are those that want the government to stop spending as well, which would make it a straight 4 for 4.   -Interest rates.  Well, if you know that aggregate demand is down, that tells you everything you need to know about interest rates.  If companies were borrowing, hiring, expanding, opening plants, etc. etc. etc., then interest rates would naturally rise due to loans being made to these companies.  The fact is that companies are not expanding, and loans are not being made, due to no demand for them.  Bank reserves are at an all time high.  Nobody is willing to take out a loan to grow their business right now because aggregate demand is down so hard.  At the same time the stock market spooked everyone, and on top of it, people are paying down their home mortgages at a record pace.  So you have record low demand for loans, and record high supply of capital (money), so, yeah interest rates are at 1%, effectively 0 if you are in a savings account.   -Devaluing the currency to boost the exports component of the aggregate demand curve seems like it could work, but since the rest of the world is also hurting who are you going to export to?  The corporate sector isn't going to start spending until the consumer is on their feet.  The consumer isn't going to start spending until they get jobs.  Do you see the chinese finger trap here???  The only way out of the riddle is to increase government spending, and history has shown that it works."


You're right.   That's a large part of what I talked about in my post, I just didn't call it that.  The other provision of Title III (aka CROWDFUND Act) is that all the equity has to be purchased through a brokerage or funding portal. I mentioned those in another post in this thread.


"Does the company see itself expanding into new product lines or new territories? What is the current predicted growth for the company's earnings for the next 5 years? These would generally be where I'd look for growth in companies. In the case of Costco, there may be a perception of the company as being a ""safe"" company as the market capitalization for the stock is over $50 billion which is rather large. Thus, there is something to be said for Costco providing a dividend and may well weather the current market for an idea compared to holding funds in money markets that are paying nothing in some cases. There is also something to be said for looking at the industry and sector values that Costco is in where on Yahoo! Finance, I find the P/E for the industry and sector to be 35.05 and 28.47, respectively. Thus, Costco isn't as inflated as the other stocks in the same ballpark for another idea here."


Don't you guys have tollbooths? If the roads is built by a private contractor, it could potentially charge more, or do a cheap job and come back patch the holes 3 years later (and charge twice). There's plenty of ways to make profits.


Most likely the account funds have been handed over to the government of the state in which the account was established.  Generally it can be recovered if reasonable proof of ownership is provided (which you seem to have).  You should try going to http://unclaimed.org/ and selecting the account's state.  That site is run by the National Association of Unclaimed Property Administrators, and generally selecting the state will take you to the web site of the particular state's unclaimed property department and give information on how to find out about the funds and/or file a claim.


When there are no buyers, you can't sell your shares, and you'll be stuck with them until there is some interest from other investors. In this link describes clearly: http://www.investopedia.com/ask/answers/03/053003.asp


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/view/articles/2017-07-20/spending-a-lot-on-health-care-is-the-american-way) reduced by 86%. (I'm a bot) ***** > Why? And might we hope to get this spending down? Unfortunately, expensive health care is embedded in the American way of life - more specifically, the American desire to live it up with high consumption.  > Why is American consumption so disproportionate to American GDP? One reason is the relatively low household savings rate, or possibly American net wealth is high relative to GDP. Consumption in the U.S., per capita, measures about 50 percent higher than in the European Union.  > To put it most simply, we Americans spend a lot on health care because we spend a lot period.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6pl8ob/spending_a_lot_on_health_care_is_the_american_way/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~175686 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*: **American**^#1 **consumption**^#2 **spend**^#3 **health-care**^#4 **more**^#5"


The 'common sense' in it is that they want the maximum money from you while still suggesting to a quick read that you get away free. Their target is not to make you happy, but to make money of you.


"Forget, for the moment, which will pay off most over the long term. Consider risk exposure. You've said that you (hypothetically) have ""little or no money"": that's the deal-breaker. From a risk-management perspective, your investment portfolio would be better off diversified than with 90% of your assets in a house. Consider also the nature of the risk which owning a house exposes you to: Housing prices are generally tied to the state of the economy. If the local economy crashes, not only could you lose your job, but you could lose a good part of the value of your house... and still owe a lot on your loan. (You also might not be able to move as easily if you found a new job somewhere else.) You should almost certainly rent until you're more financially stable and could afford to pay the new mortgage for a year (or more) if you suddenly lost your job. Then you can worry more about maximizing your investments' rate of return."


"Price is decided by what shares are offered at what prices and who blinks first.  The buyer and seller are both trying to find the best offer, for their definition of best, within the constraints then have set on their bid or ask. The seller will sell to the highest bid they can get that they consider acceptable. The buyer will buy from the lowest offer they can get that they consider acceptable. The price -- and whether a sale/purchase happens at all -- depends on what other trades are still available and how long you're willing to wait for one you're happy with, and may be different on one share than another ""at the same time"" if the purchase couldn't be completed with the single best offer and had to buy from multiple offers. This may have been easier to understand in the days of open outcry pit trading, when you could see just how chaotic the process is... but it all boils down to a high-speed version of seeking the best deal in an old-fashioned marketplace where no prices are fixed and every sale requires (or at least offers the opportunity for) negotiation. ""Fred sells it five cents cheaper!"" ""Then why aren't you buying from him?"" ""He's out of stock."" ""Well, when I don't have any, my price is ten cents cheaper."" ""Maybe I won't buy today, or I'll buy elsewhere. ""Maybe I won't sell today. Or maybe someone else will pay my price. Sam looks interested..."" ""Ok, ok. I can offer two cents more."" ""Three. Sam looks really interested."" ""Two and a half, and throw in an apple for Susie."" ""Done."" And the next buyer or seller starts the whole process over again. Open outcry really is just a way of trying to shop around very, very, very fast, and electronic reconciliation speeds it up even more, but it's conceptually the same process -- either seller gets what they're asking, or they adjust and/or the buyer adjusts until they meet, or everyone agrees that there's no agreement and goes home."


Well not even in terms of marketing, but how does your management keep in contact with clients and  companies without email? Who does your accounting, hardware maintenance, contracts etc? Heck even most local and state agencies are all digital now. There must be tons of stuff falling through the cracks.


how does a single employee LLC bring in 500k?  I mean if you want to have it in a low-tax environment, you can probably invest it in something and then pull them out? I don't think you can put away pre-tax earnings to then use on salary costs.


"Yes, so what I'm saying is that the balance of $9 left over from your trade surplus, no matter how you invest it in the U.S., even in treasuries or simply as a bank deposit technically counts as an ""investment"" right?"


"This is the best tl;dr I could make, [original](https://www.reuters.com/article/us-ford-china-idUSKBN19B1RO) reduced by 80%. (I'm a bot) ***** > DETROIT/WASHINGTON Ford Motor Co said on Tuesday it will move some production of its Focus small car to China and import the vehicles to the United States in a long-term bet on low oil prices and stable U.S.-China trade relations despite recent tensions.  > In January, after U.S. President Donald Trump repeatedly criticized Ford for shipping small-car manufacturing to Mexico, Ford said it would kill plans to build a $1.8 billion Focus plant in San Luis Potosi and instead produce the new Focus at an existing plant in Hermosillo.  > No U.S. jobs will be affected by shifting Focus production to China, Ford said, adding that it employs more U.S. hourly workers and builds more vehicles in the United States than any other automaker.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ikh12/ford_bets_on_low_oil_prices_moves_focus/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~149211 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*: **Ford**^#1 **vehicle**^#2 **China**^#3 **United**^#4 **us**^#5"


> Um... I wonder why Monsanto has a provision in their licensing contracts to restrict purchasers from replanting seeds from year to year? Must be because no one ever replants seeds...  Quality control.  The second generation is not consistent  Control on patent license to prevent theft.    >Go have a look at the Monsanto vs Schmeiser case.   I take it that you get your information from activist blogs, because if you actually read that case you would know that Schmeiser was guilt of patent theft.  The fact that you cite this case marks you as deeply uniformed about the ag industry.  ***  Like I said, if your knowledge of the TPP is a high quality as your knowledge of agriculture....


I've asked myself that question many times but this problem seems like by far the most likely reason I didn't get an offer. The behavioral interview went smoother than any interview I've ever done before and I really clicked with the interviewer. The other case in this round was pretty easy. I wrote out all my calculations, verbalized my thought process at all times, and the numbers i got in the first case worked out perfectly, with the interviewer basically confirming I had gotten it right.   In this case my interviewer's nonverbal cues were telling me I was doing it wrong throughout the entire second section, and like I said, he basically seemed to give up on letting me try to work it out with a good chunk of time still left in the allotted time. I'm also sure I was a serious candidate for the job as the company had spent a fairly large amount of money flying me out to their headquarters, putting me up in a hotel and paying for my meals. Competition was pretty fierce as far as their backgrounds vs mine but this case really seemed to have been the real cause of my undoing.


You would think that share prices is just a reflection of how well the company is doing but that is not always the case. Sometimes it reflects the investor confidence in the company more than the mere performance. So for instance if some oil company causes some natural disaster by letting one of there oil tankers crash into a coral reef then investor confidence my take a big hit and share prices my fall even if the bottom line of the company was not all that effected.


Reach out to Attitude for driving to receive the best automatic driving lessons. We commit to teaching you the proper techniques so you are safe on the road. We will also brief you about the various aspects of driving which means we cover both theory and practical lessons.


You should talk to a lawyer who's familiar with the matter. I'm not such a lawyer. For the best of my understanding, at least with regards to the US, the answer to all three of your questions is no. Legally, a US company cannot employ Iranian residents and transfer money to Iran. However, I know of Iranians working in the US. So if you manage to secure a H1b visa and move to the US - you can work and earn money here. What you do with it after you earned it - is your business.


The highest growth for an investment has historically been in stocks. Investing in mature companies that offer dividends is great for you since it is compound growth. Many oil and gas companies provide dividends.


Check with you local bank where you have an account. Sometimes they can offer a discount that results in a good rate.  I just refinanced a month ago with Bank Of America and their rates were very competitive.  What set them aside from the rest was their low closing fees. Otherwise I would shop around on bankrate.com and it will show you results of both local and online mortgage brokers.  It will list the rates and expected fees.  The also list an average national rate so you can compare the rate you are considering and see if there could be a better deal elsewhere.


"They could have printed 5.0T or 10.0T or 1000 quadrillion. It doesnt make any difference for the steps a Central Bank takes. They choose a figure based on balancing inflation vs interest rates.  The legal powers Central Banks or IMF have do vary (i.e. to perform quantitative easing, purchasing company bonds, purchasing retail bank bonds) but they all follow that principle. Their tools are very limited and theyre legally obligated to seek certain targets like ""inflation between 0 to 2%"""


"This is the best tl;dr I could make, [original](http://www.houstonchronicle.com/business/columnists/tomlinson/article/Retail-workers-will-be-the-next-unemployment-11263625.php) reduced by 90%. (I'm a bot) ***** > If Amazon succeeds, the fate for retail workers is clear: massive unemployment.  > Average retail workers, who earn little more than minimum wage plus commission, do not typically have any advanced training or higher education that qualifies them to fill vacant high-tech jobs.  > &quot;People who are working in retail are going to need to do something different, and they need to figure out where their aptitude is, and what their interest is. And they are going to need to do something quickly.""   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6lh15v/retail_workers_will_be_the_next_unemployment/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~160117 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*: **work**^#1 **retail**^#2 **job**^#3 **program**^#4 **shop**^#5"


"The money is not subject to tax because it was deposited. You can deposit money as much as you like, that's not what is triggering the tax. What is triggering the tax is the sale itself, and it has already happened. If your friend is taxed for capital gains under the Spanish tax law - then this money is already taxable, and not paying the tax due is tax evasion. Depositing the money may indeed trigger an investigation that will lead to evasion charges, but it would not be the depositing the money that was against the law. Not depositing the money doesn't mean you will avoid investigation, it just means that the authorities may learn about it in a different way and charge you with additional crimes while at it (money laundering, fraud, whatever). Keeping large amounts of cash brings additional complications and dangers. The more people knowing about it (and they will, as you spend it), the higher chances are for you to ""split"" it with some robber or thief. I suggest talking to a licensed tax accountant in Spain about whether the sale of the flat is taxable in Spain or not. If it is - pay the taxes due and be done with that."