A lot of loans are taken out on a fixed rate basis, so the rate is part of the contract and is therefore covered by contract law. If the loan is taken out on a variable basis then in principle the rate can rise within the terms of the contract.  If a particular lender tries to raise its rates out of line with the market then its customers will seek alternative, cheaper, loans and pay off their expensive loan if they can. If rates rise sharply in general due to unusual politico-economic circumstances then those with variable rate loans can find themselves in severe trouble.  For example the base rate in the UK (and therefore variable mortgage rates closely tied to it) spiked sharply in the late 80s which caused severe stress to a lot of borrowers and undoubtedly pushed some into financial difficulties.


why basis of your source? i dont have idea about n.korea, but i want to tell iran is not like n.k nazi germany etc ! i want to say when you enter a charge, you have to prove it first! Feel free to hear all that has ever been heard from the media What made you think so?


Using the facts in your comment: I use the pmt function in excel and the goal seek tool to determine an original balance of ~$24,241.33 Taking into account the statement in the questions that you have paid $6,072.26 in principal gives an estimated current balance of  which almost exactly matches your current balance statement of $18,168.56 a difference of 51 cents. Is it possible that during the time you were in college the accumulated interest caused the balance to grow from 20,800 to 24,241? This could happen if the loans were unsubsidized.


>Harm the bank  It depletes the assets of the bank.  But I do agree with you that black-bloc protesters are strategically incompetent most of the time.  They should be breaking into investment banks and destroying their *computers*, which are actually essential to financial operations and worth large sums to replace per-unit.  >Further anarchism among the public  Activist strains of anarchism doesn't believe in bourgeois democracy, either.  That is, they believe in direct action (violent *or* nonviolent, like at Occupy Wall Street) rather than electoral campaigning.  The tendency to not give a shit about their image is a fault of theirs, but only in the sense that we Jews are also at fault for not giving a shit about our image: it's not like it would help.


Thank you.  Admittedly, I was being lazy in my first post, while on mobile, and could have waited to look up the proper terminology.    However, I still propose that the analogy to trans-fats holds.  A few decades ago, we all assumed that margarines were better for you since they were not from animals.  Now we are assuming that Impossible Foods is better for you because it is not from animals.  And margarine is not good for you, now that we have a better understanding.    I suggest that there is a good reason that Impossible Foods chose to not go further down the path for FDA GRAS.  Because they knew people will buy it and eat it anyway, and any finding from GRAS could only hurt them.  So they pulled out of further GRAS evaluation.


"This is what is called ""stock dividend"". In essence the company is doing a split, the difference is in financial accounting and shouldn't concern you much as an individual investor. ""Fully paid up"", in this context, probably means ""unconditioned"", aka fully vested."


What's amusing is that these proposals seem like miserable comprises and unachievable dreams at the same time. I have absolutely no faith that the EU is going to progress in a meaningful way, in the near or medium term with these 3 pillars. The EU is too broad and politicaly diverse at this stage...  Edit: typo


What kind of bullshit is this?  >Between October 2008 and July 2014 the working age population grew by 13.4 million persons, but the US labor force grew by only 1.1 million. In other words, the unemployment rate among the increase in the working age population during the past six years is 91.8%.  I can't even...  >The 6.2% US unemployment rate is misleading as it excludes discouraged workers who have given up and left the labor force because there are no jobs to be found.  Uh...that's not how statistics work.  >John Williams of Shadowstats.com calculates the true US unemployment rate to be 23.2%, a number consistent with the collapse of the US labor force participation rate.  Ok, he got this number from the infamous shadowstats. Why is this crap getting upvoted?


Somewhere on your block, perhaps even in your neighborhood tonight, someone will become homeless. The reason of their homelessness might be a domestic fight, the loss of a job, or an argument with a parent. Nowadays, it very well could be caused by a foreclosure; but whatever the reason, that family will be all of a sudden on the street.


"It's a trollish reading of a standardized process in the US.  http://www.businessinsider.com/impossible-foods-seeks-fda-approval-for-heme-ingredient-2017-8  >The FDA does not officially approve ingredients in food products, like it does for drugs. The burden falls on the manufacturer to show through rigorous testing that a food is ""generally recognized as safe,"" or GRAS. Once a manufacturer makes a determination that a food meets the basis for GRAS, it may invite the FDA to conduct an independent review. The agency may respond with no further questions or raise concerns, according to the FDA website.  >After conducting its own testing of the burger, Impossible Foods sought the agency's review. The FDA came back with questions, which is not unusual. A spokesperson for Impossible Foods, citing the FDA website, said one in five submissions come back with questions.  >The FDA wants the company to show through additional testing that soy leghemoglobin — and the 40 other proteins besides heme it contains — is safe for humans, not just rats.  >Impossible Foods plans to engage the FDA in another review in the future.  The FDA approves a lot of sketchy ingredients, including many banned elsewhere in the world, as a point of reference, and [the entire process is shortcoming and voluntary](https://www.forbes.com/sites/quora/2017/08/31/how-the-impossible-burger-revealed-some-disturbing-fda-practices/#655158dd6aa9)--Impossible could have just not sought FDA approval and would have been fine."


I just closed on a refi last week Thursday. The app went to the lender mid to late May. The lender called my employer for an employment verification on the Monday before closing. I would wait till after the loan funds to change jobs. FWIW, we signed on Thursday afternoon, escrow had to FedEx the originals to the lender on Friday, lender should have received it on Monday, we are still waiting to fund. I expect the loan to fund no later than tomorrow.


My initial thoughts were Slack is amazing, why would they quit? I read the article and found that their challenges are aligned to challenges that most companies now face with the direct instant communication tool. Besides the obvious lack of personal connection slack can be very divisive if not used the right way.


I am in a very similar situation. My wife and I made decent money in the early to mid-2000's but handled the tax end of the business VERY poorly. However for the last 5 years we've been close to poverty and owing the IRS close to 60K because of the accumulated penalty and interest. On top of that, they started garnishing my wife's paycheck putting ourselves further in the whole. Finally got the courage to call them and explain the situation and was classified as a 'CNC' or Can Not Collect. Basically, there is nothing they can take from us and removed the garnish from my wife's check almost immediately. Now they will review our returns yearly and if we do start making real money again, we'll have to set up a payment agreement at that time. Also there is a 10 year limitation on them being able to collect from you so every year that passes removes another year of the past due taxes. Call them, explain your situation and see what happens. I was floored at how understanding they were and completed the paperwork over the phone that determined us to be CNC.


Scottish banknotes are promissary notes of the banks issuing them. Their value will be paid in UK legal tender any time as long as the issuing bank is in business. So they are not going to lose value unless the issuing bank goes bakrupt. Scottish notes may be refused, outside of Scotland, at least, by merchants at their discretion. So if the vote goes the wrong way, merchants in England may refuse accepting these notes even if just to make a point. English notes (those issued by the Bank of England) are the actual UK legal tender. Wether you should change or not is up to you, I believe there's no immenent danger of them becoming worthless any time soon.


"I don't know of a guideline to how often you can ask for an increase. You can ask as often as you like. As for consequences, refer to Is there a downside to asking for a credit increase?, where the consensus is that, aside from a possible (temporary) hard pull on your credit report, there's probably no risk to asking. Depending on your credit score/history, and especially in the current economy, you may get ""no"" as an answer most often. You can try talking to your card's Credit Department or even Customer Retention Department as they may have more leverage. They may say yes or no or that they need to review your account. When you do ask for an increase, I would make sure to ask if there will be a hard pull on your report, if there is any cost or downside to applying, and to make sure that this would be an increase to your current credit line, not a new account."


Diversifying your portfolio between asset A and asset B only reduces the portfolio risk if asset A and asset B are not correlated. If they have either a low correlation or a negative correlation to each other, then you benefit from combining them in a portfolio in terms of risk reduction. The standard deviation of returns will be lower in a portfolio of low or uncorrelated assets. If on the other hand you combine two correlated assets into a portfolio you are doubling down on the same assumption, which means you are not reducing your risk. You are also wasting capital because now you have allocated capital to 2 separate trades / investments yet they have shown a high tendency of moving together. Here is an article that discusses this further: Why Diversify your Stock Portfolio


If I read your comment correctly, you seem irritated at OP’s suggestion and feel like there is already educational reform happening in pursuit of these goals from the left and a handful of those on the right. You also claim a lack of political power by the left prevents the reforms from taking hold.  Is this summary correct? If so, can you tell me more about these reforms so I can read and educate myself? If not, would you mind correcting my summary?


Not like you are limited to one charge a day or anything.  About 240mi on an 80% charge, that is 4hrs at 60mph.  You can supercharge back to 80% in 20min, but ill give you an hour, so 5hrs to drain and charge, and lets say 3 cycles a day (15hrs).  So 720mi/d and 365d/y and 8yrs = 2million miles.  Why is charge relevant?


I guess you have made a few rather interesting points. Not too many others would really think about this the way you just did. I am very impressed that there is so much about this subject that has been revealed and you made it so nicely, with so considerably class. Tiptop one, man! Really fantastic things right here.


if in america,  actually voting out your state and national congressperson is the best start. Find a privacy bill and if they signed to erode privacy (patriot act, state consumer laws, national consumer laws) then vote the fuckers out and send them a note why. They will never be responsible until we force them to be. Congress has low ratings like between 10 and 20 percent favorability yet a 80 percent incumbent range. my Primary residence on the books is California, and I always vote against our congresspeople democrat or republican based on their votes. It just takes about 15 min of research to see if they are worthy or not.


If you are eligible for FEE-HELP then this is by far the cheapest way of financing higher education in Australia.


When I think of the loopholes that the richest of the rich exploit to get out of paying taxes, this article does seem kind of pointless.  Why attack the 529 plan?  It would be better to attack the expense of the education and the need for the plan in the first place.  Upper middle classers shouldn't have to give a second thought to how much it will cost to send their kids to university, unless it is a private school.  30 years ago it cost 350 bucks for a semester.  Now it is 10k or more.  We all see that this is ridiculous, but it goes on and on.  Rents have doubled or even tripled in the last 7 years and this is normal?


"It's not like there are no explanations for the delay.  It's one thing if you make predictions that don't materialize, and you just scratch your head and say, ""isn't that curious.."".  That's what's being implied here, and it's a straw man.   If you look closer, you see the mechanisms by which the day of reckoning has been postponed (housing bubble and now a fiscal deficit bubble).  Given you can explain the delay, I don't see how it invalidates the core tenet of the initial assertion, which is that the current system is unsustainable.   It's a matter of distinguishing between the need to abandon the entire theory or needing to modify it."


"I am confused by your anecdote. Do you mean she was waving a 3.5"" floppy? (There were smaller formats around that time, but they were exceedingly rare and niche.) 1991 is 7 years before any computers started coming without floppy drives, and this feature of the iMac was ridiculed when it was introduced."


Yes, the interest rate on a Treasury does change as market rates change, through changes in the price. But once you purchase the instrument, the rate you get is locked in. The cashflows on a treasury are fixed. So if the market rate increase, the present value of those future cashflows decreases, so the price of the treasury decreases. If you buy the bond after this happens, you would pay a lower price for the same fixed cashflows, hence you will receive a higher rate. Note that once you purchase the treasury instrument, your returns are locked in and guaranteed, as others have mentioned. Also note that you should distinguish between Treasury Bills and Treasury Bonds, which you seem to use interchangeably. Straight from the horse's mouth, http://www.treasurydirect.gov/indiv/products/products.htm: Treasury Bills are short term securities with maturity up to a year, Treasury Notes are medium term securities with maturity between 1 and 10 years, and Treasury Bonds are anything over 10 years.


Yeah, I heard about that! That's virtually the same thing (in a different form) as a new currency as it's backed solely by the state's ability to uphold its value, but yes, given that it's trading for pennies on the dollar it's no surprise the USD is the primary currency there. It will be very interesting to see the policies that Mugabe's successor (his ex-wife or #2) puts in place. Either way I bet they fail, but hope they don't and actually make the necessary reforms to help the country succeed.


This is a funny comment, because not only are you misinformed, you didn't even read what the guy said.  You're just grumpily shouting at the voices in your head.  Welcome to the modern world, luddite.  The cat is out of the bag and it's never going back.  Too bad, so sad.


> You know whats more effective then drug tests at work? Intelligence testing.  Not much of a reason to take the risk when we have an abundance of applicants in MOST fields. Maybe not the one the article talks about, but there is absolutely no reason to take that risk as a business.    > Maybe calm yourself down and then stop to think about what would be more important at work, having a clean drug test or intelligence?  You do realize there are people who are intelligent that don't smoke weed daily, right?  And there are other factors like motivation and being happy. Weed smokers almost always lack motivation and wouldn't be smoking if they were truly happy  There is no shortage of applicants in most fields. No need to hire these people and take an unnecessary risk.


Perhaps business actually like this expenditure then? I guess it would be beneficial for them in that they, in a way, coerce employees from not leaving. Trying to find another job with equal insurance can be rather rough.


Goldman Sachs saw credit default swaps as an investment option too. You have to realize they aren't really in the buy and hold game.  Them seeing an opportunity to make money off something doesn't mean it will necessarily go up in the future.  Also the US economy is the strongest it's been in almost 20 years.. Eroding?


See the Moneychimp site. From 1934 to 2006, the S&P returned an 'average' 12.81%. But the CAGR was 11.26%.  I wrote an article Average Return vs Compound Annual Growth to address this issue.  Interesting that over time only a few funds have managed to get anywhere near this return, but the low cost indexer can get the long term CAGR minus .05% or so, if they wish.


"The new Tesla car with exchangeable battery means that the battery is not owned by you. How can the batteries owned (and paid) by you if every time you exchange them with batteries of unknown past, owners and quality?  If you want to insist to own your batteries and charge them at home, then, yes, you will have to pay for your set of batteries, but then why would you exchange YOUR batteries for another set with unknown past and owners?  Let me explain it in a different way: Nobody pays their share of the cost of the expensive Electric infrastructure needed to supply their home with electricity. You just pay as you consume. Yes, part of what you pay is to cover the costs of the infrastructure, but big consumers of electricity (factories and businesses) covered much more of that than the individual home owner.  Yes, electric car batteries are expensive but you don't need to pay for them if the arrangement is ""pay as you go"".  With conventional car, would you like to pay $1000s of Dollars for huge tank and fill it with gas, so you don't have to ""pay as you go""?  Also, if we exchange batteries as we go, we don't need such expensive batteries. They can be cheaper (not cheapest) batteries that have less range."


The post-war US was riding high as the lone major non-bombed industrial power, we had all the steal plants, all the car plants, we had everything and we were supplying everyone. By the 60s the world had rebuilt from the war, and they rebuilt with newer factories than our pre-war ones. Suddenly we weren't the only option around, we had lost our competitive edge simply by the fact that the rest or the world had rebuilt. By the late 70s and early 80s it wasn't just first world nations we were competing against any more, the rest of the world was catching up too. Countries had come from no where to be actual competition.  Long story short, the 50s and 60s lifestyle was a result of us not being bombed out, we aren't going to get that back. Plus now we aren't just competing with western Europe and Japan, we have half the damn world as competitors with the other half following behind. And sadly technology, while awesome, is allowing one person and a computer to do the job of what used to be 5 men keeping wages down even more. I don't have an answer, but I doubt that kind of lifestyle is coming back for the mainstream any time soon.


"On broad strokes, the market does ""work properly."" I invest in bio  and spend a lot of time in front of trial research, reports, pipeline procedure, and various catalysts. I can tell you that you have absolutely no idea how much damage would be done if the FDA was not involved in the pipeline. None. Your attitude is naive at best but is obviously more likely the result of an exhausted political viewpoint. I'm tired of this ""magic hand"" garbage. It never worked. It doesn't work. It will not work. It won't work. Got it? Do you understand this?"


Maybe a larger house/apartment


No, CFD is not viable as a long term trading strategy.  You have a minimum margin to maintain, and you are given X days to top up your margin should you not meet the margin requirements. Failure to meet margin requirements will result in a forced sell where you are no longer able to hold onto the stock. A long term trading strategy is where you hold onto the stock through the bad times of the company and keep it long enough to see the good times. However, with CFD, you may be forced to sell before you see the good times. In addition, you incur additional lending charges (e.g. 4%-6%) for the ability to leverage.


SQL is specialized programming language for databases that looks nothing like what many so-called general purpose languages do. It's fairly easy to pick up the basics of SQL for querying databases though but mastering SQL requires a bit more effort since you need to learn a lot about relational databases. And if you don't your experience with SQL might seem a bit flat.   If you can stomach it then pick up both a general purpose language like python and a bit of SQL. Later decide what to put more effort in, depending on what you want to do.


"A mortgage is simply a loan backed by a property (and, because it's both very large and very common, covered by some specific laws).  As such, the bank isn't an ""investor"" in your house; it simply is lending you money with the property as collateral.  So, it doesn't get any share of the profit. As long as you sell the house on your own, for more than you owe, most of the time in the US you will get about 92-94% of the sale price back, minus whatever you owe on the house.  The 6-8% you don't get will go to the realtors as commission (unless you sell by owner and don't sell to someone with a buyer's agent), and to pay some of the costs of the sale (how much of those you pay depends on the deal you make with the buyer, but it's common to pay some of them in some areas).  You also will owe taxes (potentially).  You then pay the bank back from that amount. As such, in your example, let's say Bob owes $50k on his house, and sells it with a realtor for $150k.  He gets $150k-0.06*150k = 141k after commission. He then hands the bank a check for the current payoff of the loan: that amount is usually slightly higher than the remaining principal, because you owe the interest that's accrued between [last payment you made] and [day of sale].  Let's say this is a 6% loan, which works out to around 0.5% per month, and it's been half a month since his last payment, so he owes another 0.25%, or another $125.  Some mortgages also may have prepayment penalties (check your note).  In this case there isn't a penalty, so the bank gets $50,125 from the sale.  Usually, the bank would get that immediately at closing - ie, he doesn't get the full $141k or $150k and then write a check, instead the title/closing company gets that amount, and gives the $9k to the realtors, the $50,125 to the bank, and the remaining $90,875 to him.   Don't forget he may also owe income taxes, and sometimes other local taxes, on the profit on the sale. In this case the IRS wouldn't get anything (as it's under $250k), assuming it's a primary residence, but keep that in mind. Also - in the case of a foreclosure, the bank will get some extra money to pay for the costs it incurred in foreclosing on and selling the house."


>As an insider who experienced both, i can confirm. Walmart's culture is very... rough. The executives i have met just act like their soul was stolen, theres no real interest in the company's future or its people. It feels like nobody really cares.  Sounds like we know where the culture in the stores comes from.


Food to your door is a problem nobody is asking to solve.   Food delivery has limited success for luxury or novelty food items (e.g., fruit baskets, steaks, coffee, snack food, etc.), but for general eating/family eating, it's not an everyday food shopping need.   I can already buy rice, cereal, pasta, etc. on Amazon and their prices are usually higher than what I can buy locally.   And that comparison is name brand products.  The price difference is laughable when it comes to store brands.  Remember when Amazon Diaper products were supposed to put Pampers and Huggies out of business.   Oh yeah.  Look where that got them...


"> where not even the ""ghetto grocery store"" or gas-station 7-11 can operate without Bezos' back-end supply software and self-driving delivery fleet.  Those stores have some of the highest markup of any place to get groceries. It shouldn't be a surprise that they can't compete."


If you can not support yourself should your father die, an insurance policy may make sense as a safety net. As an investment, it is a bad bet unless he knows something about his health that would somehow not cause his premiums to be increased tremendously yet not cause them to claim he was attempting to defraud them and refuse payment. In other words, it is a bad bet, period. Insurance is a tool. If the tool doesn't do something you specifically need, it's the wrong tool.


A company's stock price will reflect the general sentiment about a company's value now and in the future. Net income is only one figure. You need to crack open the net summary and see what's inside it. In the financials you reference in your question (http://www.marketwatch.com/investing/stock/FTNT/financials), you'll also notice that  Ultimately, the stock price is just a reflection on what the market feels its (current) future is worth (you, me, other investors with future value calculators and strong opinions on what would provide value for them).


If you are happy, really honestly happy, there is no need to change because you read it somewhere. While I believe that budgeting in some fun is smart so you don't go crazy, I am really speaking for myself.  I personally have to work at not spending more than I make, so I need to blow off some steam. I also think that you will find in the future something you want to do that costs money, and you would be glad to have it now. The same rules apply for you as they apply to everybody


"You will almost certainly be able to sell 10,000 shares at once. The question is a matter of price. If you sell ""at market"" then you may get a lower price for each ""batch"" of the stock sold (one person buys 50, another buys 200, another buys 1000 etc) at varying prices. Will you be able to execute a single order to sell them all at the same price at the same time? Nobody can say, and it's not really a function of the company size. The exchange has what's called ""open interest"" which roughly correlates to how many people have active orders in at a given price. This number is constantly changing alongside the bid and ask (particularly for active stocks). So let's say you have 10,000 shares and you want to sell them for $100 each. What you need is at least 10,000 in open interest at $100 bid to execute. By contrast let's say you issue a limit order at $100 for 10,000 shares. Your ask will stay outstanding at that price and you'll be filled at that price if there are enough buyers. I you have a limit sell order at $100 for 10,000 shares the strike price of the stock cannot go to $100.01 until all of your sell orders are filled."


If this was the 20th century that would be a workable idea.   As you might have noticed this isn't the 20th century.  We have whole industries which used to hire hundreds of thousands of people being replaced by firms with 15 people providing better services. We need a basic income because we have an economy which is more productive than ever, depends on a strong middle class, if lets to its own devices will produce one person who owns everything.


"This is the best tl;dr I could make, [original](https://www.nytimes.com/2017/09/16/business/economy/bump-in-us-incomes-doesnt-erase-50-years-of-pain.html) reduced by 91%. (I'm a bot) ***** > Starting with 1957, the team looked at actual earnings during the prime working years - the ages of 25 to 55.  > The result was that a 25-year-old man who entered the work force in 1967 and worked for the next three decades earned as much as $250,000 more, after taking inflation into account, than a man who had the same type of career but was 15 years younger.  > Most younger men ended up with less because they started out earning less than their counterparts in previous years, and saw little growth in their early years.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/70q0gc/bump_in_us_incomes_doesnt_erase_50_years_of_pain/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~211729 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 **income**^#2 **men**^#3 **earned**^#4 **more**^#5"


They sure can. They are two different legal entities, so why not? You can even write a check to yourself, and then deposit it back into your own account. (Not very useful, but you can). The tax implications are a very different question, as this might constitute taking money out of the company. Edit: In some countries, when the business hires someone to work for them, it is forbidden by law to do that, unless he/she is explicitly allowed to do it in his contract. The business owner himself however, can always 'allow' himself to do that.


I feel the same about voting for Obama as I do about voting for Reagan: total embarrassment. Not that I could have voted for Romney without feeling even worse, but I could have 'thrown my vote away' on some distant third-placer who would not have won but at least would not be so eager to hand the country over to anyone with a ton of money.


"You most definitely can appeal the county's appraisal of your property.  How to do so, and your odds of success will vary widely by your location, but I have successfully appealed the valuation on one of my rental properties. I asked my realtor to provide me with recent sales of comparable homes in the neighborhood & provided them along with my appeal as evidence of what I felt a reasonable valuation should be.  One of three things will happen: 1) Your appeal will be accepted, 2) It will be denied, or 3) you will be asked to come in & plea your case in front of the county assessor. In my case, the county accepted my appeal without needing to testify. Look around your county assessor's website ... you will probably be able to find the form necessary for filing an appeal.  If not, give them a call & they'll tell you the procedure. The county generally uses a simplistic statistical model to do their valuations. Little to no human time is spent reviewing your home's value, so it's quite possible for their valuation to be unreasonable.   An appeal can take a bit of time & paperwork, but can definitely be worth the effort if the county's valuation is way off. Hope this helps! @mhoran_psprep Your point is well taken that in practice the relationship between sales prices & tax assessments is a bit more tenuous. The waters get muddy when property values have a large swing (like the past 5 years). When tax assessor's started seeing large drops in property values during the recession (and consequent drops in their budgets), I'm sure there was considerable pressure to prevent wholesale decreases in tax valuations. It's politically easier to ""prop-up"" falling valuations than to raise tax rates.  However, the fact remains that the models that assessors use in determining property values are based on sales history - thus, I believe (and have found) that recent sales can be a persuasive piece of evidence in a property tax assessment appeal."


"How many HVAC firms exist in your area?  If it's more than 1 or 2, it's unusual for them to be able to collude. If you feel underpaid, go interview.  You might find that you can get an offer for more $$$ elsewhere.  Don't reveal how much you currently make, if asked (this will distort the amount of the job offer).  At that point ask your current employer if they're willing to match.  If not, then move to the new company.    Some employees feel uncomfortable doing this.  You want to say, ""I like working here, but it doesn't make business sense for me to work for less than market rates.""  Also share your offer with your coworkers, at least the ones you like.  This will help equalize the market.  Employees can easily punish a stingy company with several departures."


"While I do not have an issue with treating customers/clients well the whole mentality of ""the customer is always right"" needs to be re-evaluated.   In a case where a customer has unreasonable demands or is treating an employee poorly (by no fault of the employee) their privilege to be right ends. In situations like that it is more important to stand up for your employees then it is to side with the customer. If you do side with the customer in that situation it not only reinforces that behavior from the customer but makes the employee feel undervalued and will lead to morale issues. If your workplace has consistent morale issues you will have a high-turnover rate, this will end up costing you considerably more not just in human capital, but in workplace knowledge, time and most prominently money. Chances are if a customer is being a huge drain of your resources they are likely not worth too much to your company to begin with (see below).   Another reason why this mentality of every customer is valuable is a bad idea is found within the 80/20 principle. Simply put, 80 % of your revenue will come from 20% of your customer base, and usually the 20% tend to be the lowest maintenance and have the lowest resource demand. Another application of this principle shows that 20% of your customer base accounts for 80% of the resource usage within your company. The principle itself is not limited to 80/20, but the axiom of a majority of x is provided by the minority of y is something that remains consistent across economies and cultures.   In short, not all customers are created equal and as a result do not deserve the same resources as one another. In addition to this, workforce integrity is more important in the long run than possibly losing a customer. Average firms provide ""Good Service"", excellent firms provide ""Smart Service""."


"The shares available to short are a portion of those shares held by the longs. This number is actually much easier to determine outside of active trading hours, but either way doesn't really impact the matter at hand since computers are pretty good at counting things. If your broker is putting up obstacles to your issuing sell short limit orders in the pre-market then there is likely some other reason (maybe they reserve that function to ""premium"" account holders?)"


These spots could easily be filled by MSFT, but they're going to do whatever they can to make you think they can't be...  The problem with the programming and computer engineering industry is that anyone smart enough to be good at their craft can probably put food on their table on their own (subcontracting, developing their own software, consulting, etc.).   In other words, they have plenty of leverage in salary negotiations.    Foreigners are a different story.  I've worked with plenty, and most are great at what they do.  But, the biggest barrier they have that keeps them from going into business in the Western market themselves is often their communication ability, or the fact that they are so specialized in their knowledge that they aren't very business savvy (and xenophobic ignorance by many Westerner's, to be honest).  Put those two factors together, and I'm more than willing to bet that MSFT gets a fat discount during negotiations, that saves them way more than the 10g's that the Visa's would cost.


Onsite Computer Repair Los Angeles - High Tech Systems – provide both in-house and on-site services with our certified, professional technicians and engineers. Common issues with most displays are a bad power supply board inside the unit. After time this part goes out and needs to be repaired or replaced.


So? That means he should be dirt poor? No. Maybe he's been there for 30 years and got raises. Janitors do way more than clean toilets. My ex has a great government job in science 4 years of school. She does the same repetitive task that you can watch a YouTube video and be an expert. Way easier than being a janitor. She deserves to live good, a janitor doesn't?


One of the best shopping website is Wayshopy. Why to slog yourself in such a scorching heat when you can get things on one click - http://wayshopy.in/  The attractive deals and sales all time gives the shoppers an never ending enjoyable experience while being associated with Wayshopy. From affordable and good quality clothes to high end electronic is all there in a wide range that they offer. In style accessories are also something that you can check out. So what are you waiting for go and grab the attractive offers and endless discount that Wayshopy offers.


In addition to the company-specific annual business cycle reasons and company-specific historical reasons mentioned in the other answers, there is another reason. Accounting firms tend to be very busy during January (and February and March) when most companies are closing and auditing their calendar-year books.  If a company chooses its fiscal year to end at a different time of year, the accounting firms are more available, and the auditing costs might be lower.


They were completely transparent about it and sold it as a feature, basically you get a Tesla for cheaper than normal, and in a year or two when you get that big bonus check, you get to upgrade to the 75 without replacing your car. I know some people who went for it and thought it was a great deal.


"This is actually (to me) an interesting point to note.  While the answer is ""that's what Congress wrote,"" there are implications to note. First, for many, the goal of tax deferral is to shift 25% or 28% income to 15% income at retirement. With long term gains at 15%, simply investing long term post tax can accomplish a similar goal, where all gain is taxed at 15%.  Looking at this from another angle, an IRA (or 401(k) for that matter) effectively turns long term gains into ordinary income.  It's a good observation, and shouldn't be ignored."


You should consider using a lawyer as your agent. We once talked to one who was willing to act as our agent for a fixed fee. Not all attorneys can do it where we live, but there are plenty that can. We ended up going another route, but since then we have found a seller's agent that charges us a fixed fee of one thousand dollars (a great deal for us). We are using her again right now.  It's all about the contract. Whatever you can legally negotiate is possible - which is yet another reason to consider finding a real estate attorney.


You can withdraw from your RRSP to pay your taxes. While not necessarily advisable, it is permitted — yet the tax consequences are no different just because you happen to be using the money to pay a prior year's income tax balance due. When you make the withdrawal from your RRSP, an amount will be withheld towards your income tax for the withdrawal year. Assuming you have other income, then you are likely to owe CRA even more than the amount withheld, because the withdrawal is effectively taxed at your marginal rate. In that case, consider the withholding tax merely a downpayment. You'll figure the final amount due when you file your next income tax return. e.g. If you were to withdraw money from your RRSP today (in 2015) to pay your 2014 income tax balance due, then on your 2015 income tax return, you'll need to declare the withdrawn amount as income for 2015. You'll get credit for the withholding taxes already paid when you made the withdrawal. Your tax return will indicate how much more you'll need to pay to settle your 2015 taxes. If you then pay your 2015 income tax balance due with an RRSP withdrawal in 2016, then ... repeat. Better to save up funds elsewhere (e.g. in a bank account, or a TFSA) to cover an anticipated income tax balance owing.


"The cost of the tax may be transferred directly to the costumers but how many times have you heard people who support these taxes say ""ABC company has had $XXXX profit,  They should be able to afford this small tax increase.""  Most people don't understand economics."


Thats a good question. You don't have any argument from me on that. However, I have friends who have done that and after a few years living like that, its extremely hard on them if they get sick, because the system THAT I AM TELLING YOU ABOUT, will ruin them *in a flash*. Its increasingly designed to take ALL of people's money when they are at their most vulnerable, when they are sick. And IT doesn't care. Single payer systems will just fix you up, you dont get a bill. They have to be free, which you can tell [by reading this](http://www.iatp.org/files/GATS_and_Public_Service_Systems.htm) - which explains why.


"Can't vouch for LA, but property typically is taxed at either the appraised value, the most recent purchase price (""if it wasn't worth that much, you wouldn't have paid that much""), or some combination of the two (usually highest of the two, to prevent ""$1 and other goods and services"" from lowering the tax to zero). You have now explicitly paid a total of $125k for the property; the fact that you bought it in two stages shouldn't be relevant. But ""should"" and law are only tangentially connected. I'd recommend asking a tax accountant who know your local practices, unless someone here can give you an authoritative answer."


I think that Westerners often overestimate how much influence the West has over developing countries, like those in Africa, and that there are a million other factors that most of the Western public simply doesn't see.   Yes, agricultural production has increased significantly because of Western (and Eastern) demand, which calls more children into laboring in those fields, because *that's just how it's always been done* in those cotton-producing countries. Of course, more business also means more income for those farmers, who you can bet your bottom dollar would ask consumers to buy MORE of their cotton, and not less.  Higher incomes leads to many other positives for the local and national economy, families, individuals and, yes, those children. That's not to say that schooling wouldn't be preferable to child labor, but (1) that's not ultimately our decision, and (2) that makes a quite questionable assumption that decent, affordable, accessible schooling even exists there.   So my assessment is that Western demand for cotton is a positive for the kids in Burkina Faso. What's more, I will guarantee you that even with all the failings and unpleasant parts of the world cotton commodity trade, Burkinabe cotton farmers would agree.


I used to think the physical books were great but I'm definitely over that.  You end up with shelves of books you'll probably never open again.  It just contributes to the clutter.  Oddly I feel the opposite about text books from the parent commentor.  I feel like text books are still handier and more functional in paper form.  A digital copy would be useful for doing searches maybe but provided the book has a good index that should be covered.


"This is a very trivial scam. Flow is like this: Send money to Mr. X (you, in this case). Call Mr. X and ask for the money back, because mistake. Usually they ask for a wire transfer/cash/gift cards/prepaid cards or something else irreversible/untraceable. Mr. X initiates transfer back to Scammer. Accept the transfer from Mr. X Dispute the original transfer or otherwise cancel it through the netbank Mr. X cannot dispute his transfer to the Scammer, since it was genuinely and intentionally initiated by Mr. X. End up with twice the money, at the expense of Mr. X In other countries this is usually done with forged checks, but transfers can work just as well. As long as the transfer can be retroactively canceled or reversed - the scam works. You mentioned money laundering - this is definitely a possibility as well. They transfer dirty money to you from unidentified sources, and you send a ""gift"" to them with a clear paper trail. When the audit comes - the only proof is that you actually sent them the gift, and no-one will believe your story. You'll have to explain why the Mr. Z who's now in jail sent you a $1K of his drug money. However, in this case I think it is more likely a scam, and the scammer didn't really know what he was doing..."


My guess would be a black American express. Or, the accountants will make them switch out throughout the year to get maximum benefits. Sometimes, 1% maxes out at a certain amount, so they'll use a different CC every quarter or so.


If there are idiots saying nasty things, they will say nasty things about your competitors as well. There will ALWAYS be unhappy people. However, if there are significantly more unhappy people for you than there are for a competitor, then they're not dumb - you are doing something wrong.  And you are right - you will sometimes disagree with the aggregate regarding relevant factors in judging a business. That happens, and there is currently nothing you can do about it. It does not diminish the value of the aggregate's opinion, though, for the vast majority of businesses.


The trading industry is one that rakes in a lot of profit. But all the buying and selling can become a business management nightmare. To help you with it, we have SAP Business One ERP for Trading Industry. The manufacturing industry on the other hand, is also a very lucrative industry. But the buying of raw materials, machine and manpower can be hard to keep track of. That’s why we’ve introduced SAP Business One ERP for Manufacturing Industry. While these industries are mostly on a large scale or are a part of a large scale business, there are many that are on a smaller scale. We have SAP Business One ERP for Small Business, specifically for the small business out there. We also have SAP Business One ERP for Service based Industry, which has been specifically designed for the service based industry, keeping their requirements in mind.   SOFTCORE SOLUTIONS is a global software solutions provider with over 10 years of Industry experience. Since the year of 2007, our organization has been established as an authorized channel partner for SAP Business One. SOFTCORE SOLUTIONS has a successful track record for delivering on time, within budget, state-of-the-art IT solutions to a broad range of global clientele. From single problem applications to complete turnkey operations, SoftCORE Solutions delivers solutions to your doorstep. The Company's infrastructure allows it to implement projects on multiple platforms in India or abroad. The Company is involved in evolving software solutions in the latest technology areas. Company has excellent practical hands-on experience in database related business applications. It customizes software for specific application, environment & roles. SOFTCORE SOLUTIONS builds & delivers solutions with high quality of commitment and expertise


It would dilute, if not cripple, the ability of BlockBuster to pay for content.  Also, there would be no return in value for payments made to franchisees. What value add would a franchise location add?   Centralizing a decentralized operation is difficult without cutting everything but the core...


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"Because an equity option can be constructed at essentially any price by two willing counterparties on an exchange, there are not enough ISINs to represent the entire (i.e. infinite) option chain for even a single stock on a single expiration date.  As a result, ISINs are not generated for each individual possible options contract.  Instead the ISIN is used only to refer to the ""underlying"" symbol, and a separate formula is used to refer to the specific option contract for that symbol: So that code you pasted is not an ISIN but rather the standard US equity option naming scheme that you need to provide in addition to the ISIN when talking to your broker. Note that ISINs and formulas for referring to option contracts in other countries can behave quite differently.  Also, there are many countries and markets that don't need ISINs because the products in question only exist on a single exchange.  In those cases the exchange is pretty much free to make up whatever ID scheme it wants. P.S. Now I'm curious how option chains are identified for strike prices above $99,999.  I looked up the only stock I can think of that trades above that price (BRK.A), but it doesn't seem to have an option chain (or at least Google doesn't show it) ..."


As I understand it, the correct price is any point between the minimum the seller is willing to accept and the maximum the buyer is willing to pay.  These values are influenced by a number of factors, including market conditions, cost of production and immediate need. There's also a sense of fairness and expectation that influences these numbers. People don't want to pay a much higher price or accept a much lower price than they think the other party *should* agree to.  For example, in the event of a sudden actual or anticipated shortage in some commodity consumer good, say... gasoline, it would make sense for sellers to raise the price significantly. In the short term, consumers of gasoline are very price-insensitive and most will pay more than double the usual price to obtain it. This behavior is commonly seen as unfair on the part of the seller - to the point that certain variations of it are illegal in some jurisdictions. Economists would describe it as rational.  Oddly, people don't seem to be as upset about buyers offering low prices in the event of a sudden increase in highly motivated sellers. When people do tend to get upset is if the buyers have a profit motive; they know the price decrease is temporary and are willing to buy and hold the asset to make a profit later. Even so, it seems to me that it's much rarer for such behavior to be illegal.  The underlying objection, as far as I can tell is to what is perceived as greed.


I think another problem is that even when information does come out, it is not presented in a way that most people can understand.  Many Kardashians followers don't know what a hedge fund is, what impact their management has on the markets, what different products exist on what markets, how all of this impacts the economy and the price of a 3d TV to see Kim's boobs in life size - or the price of food that is unaffordable to the down and out guy who's going to break into their middle class homes to steal their 3d TV.


"Putting this through my bullshit filter results in:  **Orbitz**:  ""*This isn't fair!!  Someone with a better product than ours is stealing our business*!!""  Cry me a river Orbitz.  It seems to me like they're calling for more barriers to entry in new markets because they think their product is somehow unique from Google's."


Then at what ratio of debt to gdp will we have to pay all our interest bills with monopoly money (assuming that bank reserves from the fed have less intrinsic psychological value than cash circulating in the private sector, and that if we start paying our interest bills with monopoly money it will drive massive speculation against the dollar)


Pensions in the UK are a real free-for-all. A few years ago, the government introduced stakeholder pensions to try and simplify things, but if anything it's just made things more complex. To give you an idea, everyone has access to a Basic state retirement pension, but there's also SERPS (state earnings related pension scheme) and the State second pension provided by the government. Then in the private sector there are the aforementioned Stakeholder pensions, Self Invested Personal Pensions, Final salary occupational pension schemes and Money purchase occupational pension schemes. For a good summary, take a look at this excellent Times article and for more details, have a look at the Pensions in the United Kingdom Wikipedia page or browse around the Which? retirement section or the moneysavingsexpert pensions pages. The main things to look out for are whether your company offers a defined benefits scheme, or a money purchase scheme where they offer pay additional contributions or offer to match your additional contributions. Either of these are likely to be better than just buying a money purchase scheme pension privately.


You probably don't need to call the bank. Today is Sunday, so three days ago was probably Friday (or Thursday depending on how you count the days). Banks normally don't post transactions on weekends - and transactions that do happen on the weekend sometimes don't get posted until Tuesday. I would give it till Tuesday and then call them if you still don't see it show up on your account.


How about finding a friend with Paypal and sending them the money so they can pay your bill using a card? Withdrawals from Paypal are typically instant now.


The offered services by Raheja Revanta Gurgaon are too most modern amenities such as Swimming pool; Kids play area, Hospitals, Party... Raheja Revanta Located just off NH8 near the Intersection of Northern Periphery Road, Southern Periphery Road & NH-8. In close vicinity of proposed Metro line.


Have you spent any time in Singapore? Yeah, they have a strong economy, but for people to exist in it they have to really push it to the limit. Entire families living in a 2 bedroom apartment, for example. IDK, it didn't seem like the ideal place for anyone who doesn't have a professional career or isn't making lots of money in finance and business. Also, the culture is sucky. No good culture for people who want a rooted feel to the community. In fact, not much community at all. I would never want to live there, only visit.


Depends what kind of expenses you intend to use this money for. If you plan to buy housing in the future (eg you're saving a deposit), then you need to ensure that the value doesn't deteriorate relative to the value of the housing you are likely to buy - so you could buy a Residential REIT, or buy some investment property. If you expect to use this money for food, then you should buy suitable assets (eg Wheat futures, etc). Link the current asset to the future expense, and you will be fine. If you buy Gold, then you are making a bet that Gold will retain its value compared to the thing you want to purchase in future. It doesn't matter what the price of Gold does in $US.


"For most, confidence comes with knowledge and experience. To understand more about how investing works, read articles about types of investments that you're interested in and browse the questions on this site. To gain experience, start with a ""paper money"" trading account. Most brokers will allow you to apply for a ""fake"" account so you can practice trading with simulated money. Once you've built up some confidence, you may wish to start investing a small amount of real money."


"There are two different companies named ""Volvo."" The publicly-traded company with ticker symbol VOLV-B is called Volvo Group, or AB Volvo.  They primarily build trucks, buses, and construction equipment. The company that makes the Volvo branded cars is called Volvo Cars.  It is a privately-held company currently owned by the Chinese Geely Holding Group. It was all one company until 1999, when AB Volvo sold off its car brand to Ford.  Because of the history, the two companies share the same logo."


When they need more capital and it becomes cheaper to finance that capital through an IPO rather than taking out more debt. There certainly isn't a magic point at which they *should* go public.  On the other hand, I have a feeling that Musk is probably more than content to not have to do IR for Spacex alongside Tesla, so I doubt we'd see it for quite some time.


That doesn't explains the decade in between, the revenue sharing agreement and lawsuit, the competition before the IPO etc.  They didn't have the lawsuit and final split because one branch wanted an IPO, they had it because of the revenue sharing agreement pissing off the consulting partners.  Accenture does compete with the Big 4 in the consulting space, especially Deloitte and EY. Why do you think otherwise?


Investment in public infrastructure is different than subsidy to private companies. Comparison to the interstate system here is irrelevant.   The state of Wisconsin is giving a company $230k per worker per year in tax breaks for jobs that will pay the workers $53k per year. There is no tax rate that can earn that investment back for the state. In fact, that state income tax rate on these salaries is 6.27%. Even considering all of the additional jobs that will be created for construction and as an effect of having a large employer in the area, this investment will never pay for itself in terms of taxes generated.


You know, it's always been a thing that in important pieces of journalism, you start towards the end (that's where the goodies are)...  So, the way Forbes.com is, I went ahead and assumed that you were right, so skipped to 2nd page (didn't read 1st page, and probably you're right & it was fluff, so thanks for taking one for the team on that).  ...Anyway, here's the key sections from 2nd page:  >  **Alsin: Can you talk a little about the scope of the problem? **  >  [Nick Hanauer]  The nation now spends on the order of twice as much on stock buybacks as it does on all R&D.  >  You can not build the kind of high-growth economy that we deserve, if you're pissing away 4%... You're basically burning 4% of GDP on stock buybacks, in this giant shell game. This sort of financial merry-go-round benefiting a few owners, a few corporate executives, and Wall Street.  >  It's among the most corrosive and corrupt practices in an already pretty corrosive and corrupt economy.  ... (con't)  >  You're not going to get there by asking people nicely.  The nation now spends on the order of twice as much on stock buybacks as it does on all R&D.  >  Look, one of the reasons that productivity is low, and business cycles are relatively anemic is that we went from a regime where it was very, very difficult and expensive to take money out of companies to reward shareholders and executives, to a world where it's incredibly easy.  >  So just by way of anecdote -- when I grew up in my family business, we had this fantastic tax-evasion strategy that my dad employed, which was we invested everything back in the business.  >  We kept profits to a minimum, because if we had high profits, we would have to pay high taxes. So at every opportunity, we bought another machine or we opened another plant or we hired more people, to try to build long term value through expansion because that was the way you avoided tax.  >  Dividends were impossibly expensive. Buybacks -- you couldn't do that. Corporate tax rates were very, very high. All of that's gone away, and now you've basically given corporate executives and owners incentives to just suck all the money out of businesses and into their own pockets, and stock buybacks are a really big component of that.  >  Corporate executives are always complaining about -- well we have to do something with the cash, because there's no place to invest the cash. Well, one of the reasons there's no place to invest the cash is that wages as a percentage of GDP have fallen by so much that workers can't afford to buy anything any more. If instead of doing stock buybacks with that 700 billion dollars, that corporations use that 700 billion dollars to raise wages for workers, those workers would then buy a ton more, which would require capital to go out and expand to meet that demand.


I can't quite follow your question, so I'm proceeding under the following assumptions: - You paid £31,000 - Your partner paid £4,242 - You have at least one mortgage, which you both pay equally. If the relationship terminates, sell the property. You are reimbursed £31,000 and your partner is reimbursed £4,242. Any remaining proceeds from the sale are split 50-50. If the result is a net loss (i.e. you are underwater on your mortgage), you split the debt 50-50. If you are not both paying the same toward the mortgage, I'd split the profit or loss according to how much you each pay toward the mortgage. Of course, this is not the only possible way you can split things up. You can use pretty much any way you both think is fair. For example, maybe you should get more benefits from a profit because you contributed more up-front. The key thing, though, is that you must both agree in writing, in advance. This is reasonable; this is what I did, for example. Note that if the relationship ends, one or the other of you may wish to keep the property. I'd suggest including a clause in your written agreement simply disallowing this; specify criteria to force a sale. But I know lots of people are happy to allow this. They treat that situation as a forced sale from both people to one person. For example, if your partner chooses to stay in the house, he or she must buy the property from you at prevailing market rates.


"This is the best tl;dr I could make, [original](https://hodlthemoon.com/blog/cash-in-contango-bitcoin-enters-the-post-dream-world) reduced by 75%. (I'm a bot) ***** > Bitcoin: Cash or Commodity? Despite the name of Satoshi&#039;s white paper, bitcoin is currently thought too volatile to be a currency or cash system for everyday transactions.  > So the investor will consider the opportunity cost of alternatives when looking at the bitcoin price: and holding normal cash in the era of historically low growth, low productivity and no return on money; foregoes the opportunity of cryptocurrency.  > If bitcoin has commoditized money, then the investor holding stable cash must be anticipating an unforeseen event whereby its forward value makes it higher than today&#039;s - otherwise why keep it?   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6p2f43/cash_in_contango_bitcoin_enters_the_post_dream/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~173773 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*: **Bitcoin**^#1 **Commodity**^#2 **Cash**^#3 **money**^#4 **Satoshi&#039;s**^#5"


The point is to provide for yourself in retirement, so it makes sense that these withdrawals would be penalized. Tax deferred accounts are usually created for a specific cause. Using them outside of the scope of that cause triggers penalties. You mentioned 401(k) and IRA that have age limitations because they're geared towards retirement. In the US, here are other types, and if you intend to spend money in the related areas, they may be worth considering. Otherwise, you'll hit penalties as well. Examples: HSA - Health Savings Account allows saving pre-tax contributions and gains towards medical expenses. You must have a high deductible health plan to be eligible. Can be used as IRA once retired. 529 plans - allow saving pre-tax gains (and in some states pre-tax contributions) for education expenses for you or a beneficiary. If a beneficiary - contributions are considered a gift. There's a tax benefit in long term investing in a regular taxable brokerage accounts - long term capital gains are taxed at a preferable (lower) rate than short term or ordinary income. The difference may be significant. Long term = 1+ year holding. The condition here is holding an investment for more than a year, and there's no penalty for not satisfying it but there's a reward (lower rates) if you do.


Per Md. REAL PROPERTY Code Ann. § 8-203: (d)      (1)      (i)      The landlord shall maintain all security   deposits in federally insured financial institutions, as defined in §   1-101 of the Financial Institutions Article, which do business in the   State. (ii)      Security deposit accounts shall be maintained in branches of the financial institutions which are located   within the State and the accounts shall be devoted exclusively to   security deposits and bear interest. (iii)      A security deposit shall be deposited in an account within 30 days after the landlord receives it. (iv)      The aggregate amount of the accounts shall be sufficient in amount to equal all security deposits for which the   landlord is liable. (2)      (i)      In lieu of the accounts described in paragraph (1) of this subsection, the landlord may hold the security   deposits in insured certificates of deposit at branches of federally   insured financial institutions, as defined in § 1-101 of the Financial   Institutions Article, located in the State or in securities issued by   the federal government or the State of Maryland. (ii)      In the aggregate certificates of deposit or securities shall be sufficient in amount to equal all security   deposits for which the landlord is liable. As such, one or more accounts at your preference; it's up to the bank how to treat the account, so it may be a personal account or it may be a 'commercial' account depending on how they treat it (but it must be separate from your personal funds).  A CD is perhaps the easiest way to go, as it's not a separate account exactly but it's easily separable from your own funds (and has better interest).  You should also note (further down on that page) that you must pay 3% interest, once per six months; so try to get an account that pays as close as possible to that.  You likely won't get 3% right now even in a CD, so consider this as an expense (and you'll probably find many people won't take security deposits in many situations as a result).


There's no one answer. You need to weigh the fees and quality of investment options on the one side against the slowly vesting employer contribution and tax benefits of 401k contributions in excess of IRA limits.


If you have self-employment income you can open a Solo 401k.  Your question is unclear as to what your employment status is.  If you are self-employed as an independent contractor, you can open a Solo 401k.  You can still do this even if you also earn non-self-employment income (i.e., you are an employee and receive a W-2).  However, the limits for contributions to a Solo 401k are based on your self-mployment income, not your total income, so if you have only a small amount of self-employment income, you won't be able to contribute much to the Solo 401k.  You may be able to reduce your taxes somewhat, but it's not like you can earn $1000 of self-employment income, open a Solo 401k, and dump $5000 into it; the limits don't work that way.


"You should look at the opportunity cost for your money (i.e. what kind of return it could generate otherwise).  We took advantage of these types of offer (zero interest for x months) in the past with the goal to redirect the money to the mortgage (it was 7.5% back then) and we made sure we don't get hosed by the surprisingly high interest rate by having a big reminder in the bulletin board in the kitchen to make sure we pay off the money before the interest rate kicks in.  So we basically reduced our interest on the mortgage during that period.  Oh - we use an all-in-one account (Manulife One) so that was real nice. I would stay away from those ""interest-deferred"" offers - it's totally not worth it."


Why would a shareholder lend the investor the shares? Some brokers like IB will pay you to lend your shares: http://ibkb.interactivebrokers.com/node/1838 If you buy shares on margin, you don't have much of a choice. Your broker is allowed to lend your shares to short-sellers.


I think the OP is getting lost in designations.  Sounds to me that what he wants is a 'financial advisor' not an 'investment advisor'.  Does he even have investments?  Does he want to be told which securities to buy?   Or is he wanting advice on overall savings, insurance, tax-shelters, retirement planning, mortgages, etc.  Which is a different set of skills - the financial advisor skill set. Accountants don't have that skill set.  They know operating business reporting, taxes and generally how to keep it healthy and growing.  They can do personal tax returns (as a favour to only the owners of the business they keep track of usually). IMO they can deal with the reporting but not the planning or optimization. But IMO the OP should just read up and learn this stuff for himself.  Accreditation mean nothing.  Eg.  the major 'planner' brand teaches factually wrong stuff about RRSPs - which are the backbone of Canadian's finances.


Generally a great list, though I have one complaint: managers that *aren't* willing or able to tell people to take a discussion off-line are the bane of my existence. This is the number one most important skill for leading any meeting.


If this is a pre-authorized automatic billing, and if you have signed any contract with the  merchant, cancelling may not block any future charges from the merchant.  Happens with gyms, magazines, memberships quite often. There is a time period after the cancellation this will occur, then it'll be completely dead.


"You can use the 6900 to make an investment.  Or to buy something.  That's why people keep reminding you that you could make interest.  Because most people think of either 7200 now or paying the same 7200 over time.  So you could just be storing the 7200 under the mattress until you pay it out.  Obviously in that case, inflation doesn't matter (""is not applicable"").  You've given up the use of the 7200 from the beginning.   Think of it instead as 7200 now and twenty-three payments of 300 each.  So 14,100 total.  Then you can spend 6900 on something else at the beginning or spend 300 a month on other things.  The difference between spending 6900 now and 300 in each of twenty-three months would be measured in inflation.  Of course, this requires you to have both 7200 now and an income stream producing at least 300 a month.   Another way of doing things is to take 6900 and invest it.  Each month you remove 300 and use it to make a payment.  We're now back to just one 7200, plus the interest over time.  I would argue that this is still an inflation advantage.  It's just that instead of spending the money, you invested it.  And that of course is your prerogative.   The point being that you would not have that opportunity if you paid up front.   Now to calculate the difference in monthly payments of 300 euro using the above webpage what should I do?   As already said, you would have to calculate twenty-three values and then sum them with the 300 you pay up front in the monthly.   There are other ways to calculate it, if you are not using that particular tool.  For example, there are formulas to calculate the net present value of an annuity.  E.g. see Investopedia.   Where: P = the present value of an annuity stream PMT = the dollar amount of each annuity payment r = the inflation rate n = the number of periods in which payments will be made Investopedia talks about interest rates, but you can put inflation there for this purpose.  In that case, r might better be called the ""discount rate"".   PMT is 300. r is whatever estimate you are using for inflation.  E.g. .003 per period. n is 23.   Note that the monthly inflation rate is smaller than the annual rate.  So .003 is about 3.66% annually.  3.04% annually is more like .0025 a month.   I found calculators for this with search terms ""present value of annuity calculator"".  Some of the calculators will take the annual rate (3.66%) and number of periods per year as input.  Or the calculator may take a monthly rate as a percentage (.3%) rather than as a decimal (.003).  So be careful of the inputs.   This gives me a net present value (NPV) of 6,657.69 for the 23 payments of 300, assuming .3%.  Or 6957.69 is the NPV of the monthly payments and 7200 is the NPV of the 7200 up front.   Obviously if you can pay less than 6957.69 up front rather than 7200, then it makes more sense to pay up front.   Even without a discount though, it still may make more sense to pay up front.   How much those intangibles are worth is up to you."


So you will be saving $450 + price of commuting gas - cost of transportation + cost of commuting maintenance - the cost of recreational car rentals if decide to go without a car.  For some people that cost is not enough to forego the convenience of owning a car. One factor you have not alluded too is your current financial goals.  Are you attempting to live a spartan lifestyle in order to dramatically change your net worth?  Give up the car.   There really is more then the math you are presenting so the decision is very much based upon your behavior and your goals in life.  It is very likely that owning the car will be more expensive, but it will also be less convenient.  Is that cost great enough to forego the convenience?  Only you can decide.


The way that credit card transactions happen are: In your example, the card is authorized for the charge but the transaction never actually moves on to the next step. However, your available credit should drop by whatever the authorized amount is and this will not disappear until it naturally goes away when the transaction does not move onto the next step.


It is not wasted: it bought you peace of mind. Perhaps you would have had peace of mind without it, because of the particular industry you are in. But people from any industry can get sick or give birth, and not all industries are as evergreen as people think. A number of my onetime programmer colleagues now drive a truck or run a farm because new programming jobs weren't as easy to get as they once were. Like any insurance, it can't be affordable if it is bought only by those who think they will need it. The premiums you pay, in addition to giving you peace of mind, lower the premiums your neighbours pay. That contributes to social harmony. When your neighbours collect EI while looking for another job, they aren't tempted to turn to crime or legal-but-not-savoury ways to earn money. You probably like that, too. The fact they didn't get to choose whether or not to contribute means that they will be covered even if they aren't prudent and forward-looking people, which again is a benefit for you. And BTW, employers pay $1.40 in premiums for every dollar you pay. And we never collect. It's not for us. But we pay it.


"Well, this relates to how you interpret something's value. We can use that magazine and restaurant as an example. For you the extra $10-$30 more on a decent meal or wine is worth it while $5 for a magazine entertainment on a train ride might not be. This is how all markets work, people make decisions about how they value something and hence choose to spend or not. If you're asking ""should I value certain things the way I do?"" well that's a different story  e.g. should I keep that picture frame for years in the attic to sell it for $3 on eBay later. (probably not worth it) But again you are making that decision based on how YOU choose to value it. So to answer your question: How can I possibly care about this when my stock portfolio is losing (or gaining) $1000 a day? and is it normal? Yes it is normal and we all care. Everyone makes these decisions throughout each day, people will vary as to what they value something to be, but all in all everyone does just what you explained. Here is something that you may find interesting it is about how we value money: What color is your money? if the pdf doesn't work for you then try this link: What color is your money alt link"


Good, cause their hardware sucked.....  Poor BB :(. I still support you though I still maintain that your claim to fame was push-email, BIS and Exchange server integration. The fact that you were the first email device was your differentiating advantage. Then you had to go try that Blackberry storm nonsense....


Vamos paella is a unique culinary concept where our chefs will be cooking paella and tapas live at your gathering. You read that right! It’s time to unwind and enjoy yourself in good company while our dedicated team takes care of all your Paella party needs. With a strong passion for fine food and excellent service, the team at Vamos paella would be delighted to help create and share the experience of putting together a truly special Paella catering event. Click here for more details: http://clickbanksuccessforum.com/forum/profile.php?mode=viewprofile&u=21699


"Pete B mentioned adjusting your payments using the Debt Snowball Method and I agree it is one possible solution, another being the Debt Avalanche Method. Here is a link that describes both.  There was a time in my past when I had 17 credit lines open totaling about $12,000. If I had paid them the way the banks asked (minimum monthly payments) it would have taken decades to pay off. Then I was shown these two techniques and as a result I was able pay them down rapidly and close all but 2 lines within 5 years. Like others I am going to say that if you already own your house free and clear never Never NEVER put a loan on it unless the loan is (a) to improve the house, or (b) a life & death emergency. If you get sick or fired and miss even a single payment on a HELOC you could lose your house forever and that just plain sucks. Not only will you then be forced into renting a place (money down the drain) but your credit rating will take such a huge hit it will be years (if ever) before you can even try and buy a new home.  Debts come and go, as do the ""toys"" and other things we buy with that debt. Homes are security & stability for tomorrow. Never give that up for a little ease & comfort today. UPDATE: I had to go looking for it but here is some software that I used all those years ago to figure out my strategy for paying down all my credit bills. It's a bit clunky but it's super easy to use plus it has some other variations on snowball and avalanche methods as well. I definitely found it helpful."


We partnered with BarkBox, a popular pet toy and treat service, and our residents can choose it with their move-in gift. We have several different types of move-in gifts too such as the live healthier fitbit move-in gift, or an interior design option with an outside company called Laurel & Wolf. Or they can choose their move-in gift to go to their pet, such as BarkBox


What the heck is a CBV?  I've worked in finance (in an investment decisionmaking capacity) for over ten years, and I've never heard of it.  But that's just me.  Either way, you're a degree and four years short of earning a CFA, so no reason to worry too much about it right now.  Securing a position in finance where you'll have investment decisiomaking responsibility should be your #1 focus right now if you want to earn that designation.


Would you like to make an impact on others in the community and get paid for doing it? Well, one of the best ways of doing so is by starting a group home for foster children. Maybe you want to target foster children that have been removed from their homes and are between the ages of 5 and 10 years old. You may think that this is a target age range that will allow you to really positively impact their lives. Once you have done this, you are halfway there. So move ahead and join your hand for the noble cause.


First: In most cases when you inherit stocks the cost basis is stepped up to the date of the death of the person you inherited them from. So the capital gain/loss is likely reset to zero. The rules vary a bit for joint accounts, but retirement accounts (401k/ROTH) are considered individual accounts by the IRS. The rules on this have changed a lot in recent history, so it may depend on when he died. Update: As JoeTaxpayer pointed out and I confirmed via this site , the gains are NOT stepped up for retirement accounts, so this is a moot point anyway.  Further evidence that retirement accounts can be complicated and seeking professional guidance is a good idea. ...[T]here is no step-up in cost basis   upon the death of the IRA owner. Most   other assets owned by an individual   receive a step-up in cost basis upon   the death of the person, eliminating   all capital gains on those assets up   to that point in time. Second:  Even if you can deduct an investment (capital) loss, you can only deduct it to offset capital gains on another investments. Also you can only do this up to $3k per year, though you can roll over excess capital losses into future years. Bottom line: I really doubt you are going to be able to claim a deduction. However, due to the complexity of the situation and the amount of money involved. I strongly suggest you talk to a qualified tax adviser and not rely solely on information you gather through this site.


"Well, I answered a very similar question ""Credit card payment date"" where I showed that for a normal cycle, the average charge isn't due for 40 days. The range is 35-55, so if you want to feel good about the float just charge everything the day after the cycle closes, and nothing else the rest of the month. Why is this so interesting? It's no trick, and no secret.  By the way, this isn't likely to be of any use when you're buying gas, groceries, or normal purchases. But, I suppose if you have a large purchase, say a big TV, $3000, this will buy you extra time to pay. It would be remiss of me to not clearly state that anyone who needs to take advantage of this ""trick"" is the same person who probably shouldn't use credit cards at all. Those who use cards are best served by charging what they can afford to pay at that moment and not base today's charges on what paychecks will come in by the due date of the credit card bill."


There's quite a lot of investment in battery tech right now. Batteries with 2 to 4 times the energy density of Li-ion are now in production, though not for sale yet. People are working on fast charging and long life battery tech too.  And there are a number of flow battery technologies, where the electrolytes are like fuel, and the power extraction unit is like an engine. These may never be suitable for vehicles, but they can store huge amounts of energy for months.   Also there are some very high energy density batteries that are non-rechargeable but where the solid electrolytes are replaceable and recyclable. These have energy density close to that of gasoline.


"The Yahoo Finance API is no longer available, so Finance::Quote needs to point at something else.  Recent versions of Finance::Quote can use AlphaVantage as a replacement for the Yahoo Finance API, but individual users need to acquire and input an AlphaVantage API key. Pretty decent documentation for how to this is available at the GnuCash wiki. Once you've followed the directions on the wiki and set the API key, you still need to tell each individual security to use AlphaVantage rather than Yahoo Finance: As a warning, I've been having intermittent trouble with AlphaVantage.  From the GnuCash wiki:  Be patient. Alphavantage does not have the resources that Yahoo! did and it is common for quote requests to time out, which GnuCash will present as ""unknown error"". I've certainly been experiencing those errors, though not always."


Option prices are computed by determining the cost of obtaining the option returns using a strategy that trades the underlying asset continuously.  It sounds like what you are describing is rapidly trading the option in order to obtain returns similar to those of the stock.  The equality goes both ways.   If the option is appropriately priced, then a strategy that replicates stock returns using the option will cost the same as buying the stock. Because you can't trade continuously, you won't actually be able to replicate the stock return, and it may seem like you are making arbitrage profit (puts may seem abnormally expensive), but you do so by bearing tail risk (i.e., selling puts loses more money than owning the associated stock if an unusually bad event occurs).


My understanding is that EWU (and EWUS) are both traded on US stock markets (NYSE & BATS), and as such these are not classified as PFIC. However, they do contain PFICs, so iShares takes the responsibility of handling the PFICs they contain and make adjustments in December. This contains the information about the adjustments made in 2016. https://www.ishares.com/us/literature/tax-information/pfic-2016.pdf On page 106 of the statement of the summary information they describe how they handle paying the necessary tax as an expense of the fund. https://www.ishares.com/us/library/stream-document?stream=reg&product=WEBXGBP&shareClass=NA&documentId=925898~926077~926112~1180071~1242912&iframeUrlOverride=%2Fus%2Fliterature%2Fsai%2Fsai-ishares-trust-8-31.pdf (I'm not a tax professional)


people claim that these sites are scams  I would like to know which idiots or which website says so. And I would say you haven't done your research properly. At the bottom of the page you can see this, on IG's website, very important quote authorised and regulated by the Financial Conduct Authority Plus500UK Ltd is authorised and regulated by the Financial Conduct Authority Secondly you go and check the authencity of the firm in question on this link. your money in, you might as well kiss it goodbye This might be true because they trade in products, which if you don't understand you will more or less will loose your money. N.B. I have an account with IG for the past 5 years and they haven't scammed me yet.


Education is totally depending on the skills and mindset of the student. Many many students can be self taught and/or are motivated to learn. They don't need teachers.  Then there are those who want to learn, but have difficulties. They need teachers, but probably one-on-one.  The rest are mostly in school just because they have to.  So, yes, we will need schools and teachers mostly for the later - students who, given a chance, will not learn anything.


If you withdraw all (or most) of your pension 25% is tax free but the rest is treated as income upon which you will pay income tax at the usual UK rates. Withdrawing a lump sum to buy property is therefore unlikely to be 10% per annum as you'll spend years making up lost ground on the initial capital investment. If your pension is a self invested personal pension (a SIPP) you could buy property within the pension wrapper itself which would avoid the income tax hit. if you don't have a SIPP you may be able to convert your pension to a SIPP but you would be wise to seek professional advice about that. The UK government is also introducing an additional 3% stamp duty on properties which are not your first home so this may further impact your returns. This would apply whether you withdraw your pension as cash or buy the property within a SIPP. One other alternative to an annuity in the UK is called drawdown where you keep the money invested in your pension as it is now and withdraw an annual income. This means your tax bill is reduced as you get to use your annual allowance each year and will also pay less higher rate tax. The government provides more details on its website.


The cost of a computer has dropped so much over the years that even the price difference is not much if you prefer Mac for any reason be it style, ux, software, support, or ecosystem. This is not even including how dell and HP induced decision paralysis on the buyers.


Walmart can afford to pay more, they just choose not to because it's legal to keep their workforce underemployed. The profits Walmart posts every quarter exceed the drain on public services their employees create. What really grinds my gears is that paying an employee a fair wage tends to attract much more talented and dedicated workers who will be much more productive than the warm bodies currently running the place.


"To keep it simple, let's say that A shares trade at 500 on average between April 2nd 2014 and April 1st 2015 (one year anniversary), then if C shares trade on average: The payment will be made either in cash or in shares within 90 days. The difficulties come from the fact that the formula is based on an average price over a year, which is not directly tradable, and that the spread is only covered between 1% and 5%. In practice, it is unlikely that the market will attribute a large premium to voting shares considering that Page&Brin keep the majority and any discount of Cs vs As above 2-3% (to include cost of trading + borrowing) will probably trigger some arbitrage which will prevent it to extend too much. But there is no guarantee. FYI here is what the spread has looked like since April 3rd:  * details in the section called ""Class C Settlement Agreement"" in the S-3 filing"


"One idea that wouldn't require getting into any special ""SMS-only"" type of software project is to just use email groups - for example, to send an SMS message to a Verizon customer you can email using their phone number like 1234567890@vtext.com.    So ""Joe"" might have an email address of joe@company.com but you could create a new contact named ""SMS-Joe"" that has the cell phone email address.   Look up what domain name each cell carrier uses for that purpose on the page below, put a bunch of those into an email group and 'text' away.    https://www.digitaltrends.com/mobile/how-to-send-e-mail-to-sms-text/"


The best answer to your question would to be what the interest rates are like in Australia itself.  The Reserve Bank sets the target ‘cash rate’, which is the market   interest rate on overnight funds. It uses this as the instrument for   monetary policy, and influences the cash rate through its financial   market operations. Decisions regarding the cash rate target are made   by the Reserve Bank Board and explained in a media release announcing   the decision at 2.30 pm after each Board meeting. (Prior to December   2007, media releases were issued only when the cash rate target was   changed.) From Investopedia: How Rates Are Calculated  Each central bank's board of directors controls the monetary policy of its    country and the short-term prime   interest rate that banks use to borrow from each other. When the   economy is doing well, interest rates are hiked in order to curb   inflation and when times are tough, cut rates to encourage lending and   inject money into the economy. Have a look at this from graph from http://www.rba.gov.au/monetary-policy/int-rate-decisions/ I would then go to a website that allows you to compare, graphically, whichever interest rate you want.(Or you could get the raw data and run some analysis, to each his own)  FYI, this topic (FX) is incredibly complex and I hope my answer satisfies your needs.Otherwise, talk to a quant. You will need a ton of data inputs to model the entire economy of Australia to try and predict what the central bank will do, which is what people try and do everyday. Best of luck!


One thing you may be missing is the possibility of a special assessment on the condo. If the foundation cracks, you may be looking at tens of thousands to cover it. This would largely depend on the condo board's reserve funds. Speaking of reserve funds, have you remembered to factor in condo fees? You may also be forgetting to factor in property taxes and closing costs (legal fees and realtor fees). The latter, you'll have to pay when buying and when selling. Now, ten years is a good length of time. If your mother really will live in the condo for ten years, there's a very good chance it does indeed make more sense to buy than to rent. It's very possible you already factored in everything I mentioned above.


"The fund will take a small percentage of its assets to cover the expenses.  Reported returns come after the expense ratio has been factored into things. Money market mutual funds can have a zero yield in some cases though breaking the buck can happen in some cases as noted on Wikipedia: The first money market mutual fund to break the buck was First   Multifund for Daily Income (FMDI) in 1978, liquidating and restating   NAV at 94 cents per share. An argument has been made that FMDI was not   technically a money market fund as at the time of liquidation the   average maturity of securities in its portfolio exceeded two years.[7]   However, prospective investors were informed that FMDI would invest   ""solely in Short-Term (30-90 days) MONEY MARKET obligations.""   Furthermore, the rule, which restricts the maturities which money   market funds are permitted to invest in, Rule 2-a7 of the Investment   Company Act of 1940, was not promulgated until 1983. Prior to the   adoption of this rule, a mutual fund had to do little other than   present itself as a money market fund, which FMDI did. Seeking higher   yield, FMDI had purchased increasingly longer maturity securities and   rising interest rates negatively impacted the value of its portfolio.   In order to meet increasing redemptions the fund was forced to sell a   certificate of deposit at a 3% loss, triggering a restatement of its   NAV and the first instance of a money market fund ""breaking the   buck"". The Community Bankers US Government Fund broke the buck in 1994,   paying investors 96 cents per share. This was only the second failure   in the then 23-year history of money funds and there were no further   failures for 14 years. The fund had invested a large percentage of its   assets into adjustable rate securities. As interest rates increased,   these floating rate securities lost value. This fund was an   institutional money fund, not a retail money fund, thus individuals   were not directly affected. No further failures occurred until September 2008, a month that saw   tumultuous events for money funds. However, as noted above, other   failures were only averted by infusions of capital from the fund   sponsors. Thus consider how likely is Fidelity Investments prepared to have people question how safe is their money with them which is why fund sponsors rarely break the buck."


This directly relates to the ideas behind the yield curve. For a detailed explanation of the yield curve, see the linked answer that Joe and I wrote; in short, the yield curve is a plot of the yield on Treasury securities against their maturities. If short-term Treasuries are paying higher yields than long-term debt, the yield curve has a negative slope. There are a lot of factors that could cause the yield curve to become negatively sloped, or at least less steep, but in this case, oil prices and the effective federal funds rate may have played a significant role. I'll quote from the section of the linked answer that describes the effect of oil prices first: a rise in oil prices may increase expectations of short-term inflation, so investors demand higher interest rates on short-term debt. Because long-term inflation expectations are governed more by fundamental macroeconomic factors than short-term swings in commodity prices, long-term expectations may not rise nearly as much as short term expectations, which leads to a yield curve that is becoming less steep or even negatively sloped. As the graph shows, oil prices increased dramatically, so this increase may have increased expectations of short-term inflation expectations substantially.  The other answer describes an easing of monetary policy, e.g. a decrease in the effective federal funds rate (FFR), as a factor that could increase the slope of the yield curve. However, a tightening of monetary policy, e.g. an increase in the FFR, could decrease the slope of the yield curve because a higher FFR leads investors to demand a higher rate of return on shorter-term securities. Longer-term Treasuries aren't as affected by short-term monetary policy, so when short-term yields increase more than long-term yields, the yield curve becomes less steep and/or negatively sloped. The second graph shows the effective federal funds rate for the period in question, and once again, the increase is significant.  Finally, look at a graph of inflation for the relevant period.  Intuitively, the steady increase in inflation from 1975 onward may have increased investors expectations of short-term inflation, therefore increasing short-term yields more than long-term yields (as described above and in the other answer). These reasons aren't set in stone, and just looking at graphs isn't a substitute for an actual analysis of the data, but logically, it seems plausible that the positive shock to oil prices, increases in the effective federal funds rate, and increases in inflation and expectations of inflation contributed at least partially to the inversion of the yield curve. Keep in mind that these factors are all interconnected as well, so the situation is certainly more complex. If you approve of this answer, be sure to vote up the other answer about the yield curve too.


">  If the stock price goes down it wouldn't make sense that ABC had a higher dividend yield, so my argument was you have to make assume the stock price went down because it could have cost less for other reasons, but you don't have to assume the dividend yield which would make it a good investment.   I'm not sure I understand your argument. The wording doesn't seem clear to me (""you have to make assume""? make assume? ""but you don't have to assume the dividend yield"" assume it what?)  Dividend yield has a negative correlation with stock price. If price goes down, all else being equal, yield rises."


Sorry for your loss. If the insurance money is now in an account under your names, you can might be able to withdraw the money. You should put a country tag and state tag on your question. EDIT: my initial response might incorrect -- see comments below. This is going to be state speficic and the amounts may be relevant. Best to seek professional advice!


"Keep in mind that a *lot* of ""news"" content is wholly written by PR people on behalf of organizations and handed over to editorial departments for publishing. It's not the worst thing. News outlets get free content, the organization gets exposure, and we get more content to read that doesn't cost us or the publisher anything. Only problem is that sometimes you get an article like this one that's a little obvious with the praise for a given brand."


In the UK it is illegal to discriminate against people on the basis of gender.  i.e. if you hire a man and pass over a woman of equal or better qualification you have committed an offence.  Obviously I have no issue with that - I just wish it was less crippling when people have kids.