In short, I suggest you take a look at your W-4 form and adjust it properly. And yes you can claim your self as a dependent, unless someone else is claiming you. But here is a more detailed explanation of how it works. How Income Tax Works. While most people tend to only think about the tax system and the Internal Revenue Service (IRS) as the month of April approaches, it's actually a never-ending process. For our purposes, a good way to explain how the system works is to give an example of one American income earner, we will call him Joe. The tax process begins when Joe starts his new job. He and his employer agree on his compensation, which will be figured into his gross income at the end of the year. One of the first things he has to do when he's hired is fill out all of his tax forms, including a W-4 form. The W-4 form lists all of Joe's withholding allowance information, such as his number of dependents and child care expenses. The information on this form tells your employer just how much money it needs to withhold from your paycheck for federal income tax. The IRS says that you should check this form each year, as your tax situation may change from year to year. Once Joe is hired and given a salary, he can estimate how much he will pay in taxes for the year. Here's the formula: At the end of each pay period, Joe's company takes the withheld money, along with all of withheld tax money from all of its employees, and deposits the money in a Federal Reserve Bank. This is how the government maintains a steady stream of income while also drawing interest on your tax dollars. Toward the end of the tax year, Joe's company has to send him a W-2 form in the mail. This happens by January 31. This form details how much money Joe made during the last year and how much federal tax was withheld from his income. This information can also be found on Joe's last paycheck of the year, but he'll need to send the W-2 to the IRS for processing purposes. At some point between the time Joe receives his W-2 and April 15, Joe will have to fill out and return his taxes to one of the IRS service and processing centers. Once the IRS receives Joe's tax returns, an IRS employee keys in every piece of information on Joe's tax forms. This information is then stored in large magnetic tape machines. If Joe is due a tax refund, he is sent a check in the mail in the next few weeks. If Joe uses e-File or TeleFile, his refund can be direct-deposited into his bank account.


"I recently moved out from my parents place, after having built up sufficient funds, and gone through these questions myself. I live near Louisville, KY which has a significant effect on my income, cost of living, and cost of housing. Factor that into your decisions. To answer your questions in order: When do I know that I'm financially stable to move out? When you have enough money set aside for all projected expenses for 3-6 months and an emergency fund of 4-10K, depending on how large a safety net you want or need. Note that part of the reason for the emergency fund is as a buffer for the things you won't realize you need until you move out, such as pots or chairs. It also covers things being more expensive than anticipated. Should I wait until both my emergency fund is at least 6 months of pay   and my loans in my parents' names is paid off (to free up money)? 6 months of pay is not a good measuring stick. Use months of expenses instead. In general, student loans are a small enough cost per month that you just need to factor them into your costs. When should I factor in the newer car investment? How much should I   have set aside for the car? Do the car while you are living at home. This allows you to put more than the minimum payment down each month, and you can get ahead. That looks good on your credit, and allows refinancing later for a lower minimum payment when you move out. Finally, it gives you a ""sense"" of the monthly cost while you still have leeway to adjust things.  Depending on new/used status of the car, set aside around 3-5K for a down payment. That gives you a decent rate, without too much haggling trouble. Should I get an apartment for a couple years before looking for my own   house? Not unless you want the flexibility of an apartment. In general, living at home is cheaper. If you intend to eventually buy property in the same area, an apartment is throwing money away. If you want to move every few years, an apartment can, depending on the lease, give you that. How much should I set aside for either investment (apartment vs   house)? 10-20K for a down payment, if you live around Louisville, KY. Be very choosy about the price of your house and this gives you the best of everything. The biggest mistake you can make is trying to get into a place too ""early"". Banks pay attention to the down payment for a good reason. It indicates commitment, care, and an ability to go the distance. In general, a mortgage is 30 years. You won't pay it off for a long time, so plan for that. Is there anything else I should be doing/taking advantage of with my   money during this ""living at home"" period before I finally leave the   nest? If there is something you want, now's the time to get it. You can make snap purchases on furniture/motorcycles/games and not hurt yourself. Take vacations, since there is room in the budget. If you've thought about moving to a different state for work, travel there for a weekend/week and see if you even like the place. Look for deals on things you'll need when you move out. Utensils, towels, brooms, furniture, and so forth can be bought cheaply, and you can get quality, but it takes time to find these deals. Pick up activities with monthly expenses. Boxing, dancing, gym memberships, hackerspaces and so forth become much more difficult to fit into the budget later. They also give you a better credit rating for a recurring expense, and allow you to get a ""feel"" for how things like a monthly utility bill will work. Finally, get involved in various investments. A 401k is only the start, so look at penny stocks, indexed funds, ETFs or other things to diversify with. Check out local businesses, or start something on the side. Experiment, and have fun."


**Bakgrunn**  Som en prosess, [risikostyring](http://www.mitre.org/publications/systems-engineering-guide/acquisition-systems-engineering/risk-management/risk-management-approach-and-plan) brukes til å identifisere og unngå potensialet kostnader, timeplan og ytelse og teknisk risiko til et system, ta en proaktiv og strukturert tilnærming til å håndtere negative resultater, svare på dem hvis de oppstår, og identifisere potensielle muligheter som kan skjules i situasjonen. Risiko tilnærming og [plan operationalize](http://dymanassociatesprojects.com/) målsettingene ledelse.  Fordi ingen to prosjekter er like, burde risiko tilnærming og plan være avpasset å omfanget og kompleksiteten i enkeltprosjekter. Andre hensyn inkluderer roller, ansvar og størrelsen på prosjektgruppen, risiko administrasjon prosessene nødvendig eller anbefalt av regjeringen organisasjonen og de risikoen verktøyene tilgjengelig for prosjektet.  Risikoen oppstår hele spekteret av regjeringen og dens [ulike bedrifter](https://twitter.com/dymanassociates), systemer-av-systemer og individuelle systemer. På systemnivå sentre risiko fokus vanligvis på utviklingen. Risiko finnes i operasjoner, krav, design, utvikling, integrasjon, testing, opplæring, fielding, etc. For systemer-av-systemer, avhengighet risikoen stige til toppen. Jobber konsekvent over system-av-systemer [synkronisere evneutvikling og fielding](http://dymanassociatesprojects.tumblr.com/), vurderer om de skal grensesnitt, sammen, eller integrere, og risiko forbundet med disse banene alle kommet i forgrunnen i system-av-systemer miljø. På organisasjonsnivå blir styring og kompleksitet risiko mer fremtredende. Styring risikoen av ulike hele bedriften til fordel for virksomheten vil sildre ned til det system-av-systemer og individuelle systemer, som resulterer i potensielt uventede krav og kanskje suboptimal løsninger på lavt nivå som kan være fordelaktig på organisasjonsnivå. Den ukjente øker og risikoen forbundet med disse-teknikker i guiden delen på Enterprise Engineering, som løse koblinger, samlet arkitekturer og porteføljestyring, kan hjelpe MITRE SE lindre disse risikoene.


"Biggest bull market in recent history going on right now.  I think the financial sector is doing just fine with the current regulations in place that require certain ""capital and liquidity requirements.""  Awesome though they're getting rid of ""the Labor Department’s fiduciary rule, which requires brokers to act in the best interest of their clients when providing investment advice about retirement."" That will really create some jobs. /s"


Technical analysis is based more on psychology than anything else. As an example, if an analyst estimates or believes that a stock is undervalued, or simply wants to re-balance their portfolio, then they will buy some amount, moving the price up. Others in the market see the upwards move as the start of an upwards trend, an indication that the stock is undervalued or perhaps even that an insider is trading ahead of better than expected data from the firm. They then buy the stock creating a self-fulfilling prophecy and pulling more traders in as they see an upward trend being confirmed. This is even more pronounced in a bear market as fear is an even stronger driver. When a trader sees a stock is falling they are more likely to jump to the conclusion that it is due to expected poor performance of the firm and that the firm and the economy are both in trouble and going down than to think that it is simply a retrenching or a large investor re-balancing etc. To quote Credit Suisse [1]  A chart is a mirror   of the mood of the crowd and not of the fundamental factors. Thus, technical analysis is the   analysis of human mass psychology. Therefore, it is also called behavioral finance. The underlying truth that makes technical analysis work is that people are predictably irrational, at least in the short run and tend to follow the same patterns of thought. references: [1] https://www.credit-suisse.com/pwp/pb/pb_research/technical_tutorial_de.pdf [2] http://www.amazon.com/The-Psychology-Technical-Analysis-Profiting/dp/1557385432 [3] CFA level 1 syllabus


"Putting middlemen into the equation is never going to reduce costs, but this is what the U.S. did in the 1970s when they made it much easier for new HMOs to be established and grow. Now the middlemen (HMOs, insurance companies, and their paid political toadies) have almost choked the market to death and they have no incentive to release their death grip because the status quo is profitable for them. The only way out is the single-payer solution and *everyone* -- business, government, individuals -- benefits from this *except* the middlemen and their bought-and-paid-for ""representative"" politicians.  This situation of barely functional health care in the U.S. is the perfect example of what happens when politicians are manipulated to make policy based on who gives them the most money and until the money/profit element is removed from governance it is only going to get worse.  Wealth as free speech? Yelling ""Fire"" in a packed theater is free speech too, but we don't allow it and for good reason."


With a credit card debt at 17%, you should basically not eat in order to pay the balance off.  This should be gone within the month.   That being said, I would have a hard time reducing my contributions below the 4%, but would certainly do it to the 4%.  However, I would also deliver pizzas on nights and weekends and work all available overtime.  Coincidentally the pizza place by my home is hiring delivery drivers however, they did not disclose how much they typically make.  Only that they make min wage plus tips. Make sure you stop borrowing first, then try to have this knocked out in 4 weeks or less.


If that's not a politically loaded title to your post I don't know what is.  Wal-Mart pays it's employees the wage that it is competitive, in line with similar types of work, and what it is able to afford and still offer the pricing they can on the products they offer (and still make money).  What they're doing is legal and ethical.  Additionally, if the people that work at Wal-Mart need more money than their jobs offer, what concern of their employer is that?  If the people don't like that they don't make enough money at their job and have to take welfare, then it's their responsibility to improve their situation, not their employer's to give them more money for the same work just because they don't earn enough.  Is Wal-Mart's (or any place of employment for that matter) mission to enrich their employees or to do business to make a profit?  I hope your answer is the latter.  If it's not I think you're less an advocate of business and more an advocate of socialism and wealth redistribution.


Politics matter when these types of things are being initially negotiated. Otherwise an early proposal that is intended to be just a bargaining position will be reported as OBAMA IS TAKING OUR FREEDOMS, and they will be forced to remove the bargaining position by politics instead of good policy. This will be voted on by the Senate, and will have to be ratified by 67 Senators. Trust me, this treaty will have its day in front of the people.


Paying off your loan in full will most likely not help your credit score, and could potentially even hurt it. Because car loans are installment loans (and thus differ from consumer credit), lenders really only like seeing that you responsibly pay off your loans on time. They don't really care if you pay it off early--lenders like seeing open lines of credit as long as you manage them well. The hard inquiry will simply lower your credit score a few points for up to two years. So, from a credit score perspective, you're really not going to help yourself in this scenario (although it's not like you're going to be plummeting yourself either).


I'm a Finance major in Finland and here is how it would go here. As you loan money to the company, the company has no income, but gains an asset and a liability. When the company then uses the money to pay the bills it does have expenses that accumulate to the end of the accounting period where they have to be declared. These expenses are payed from the asset gained and has no effect to the liability. When the company then makes a profit it is taxable. How ever this taxable profit may be deducted from from a tax reserve accumulated over the last loss periods up to ten years. When the company then pays the loan back it is divided in principal and interest. The principal payment is a deduction in the company's liabilities and has no tax effect. The interest payment the again does have effect in taxes in the way of decreasing them. On your personal side giving loan has no effect. Getting the principal back has no effect. Getting interest for the loan is taxable income. When there are documents signifying the giving the loan and accounting it over the years, there should be no problem paying it back.


"You can interpret prices in any way you wish, but the commonly quoted ""price"" is the last price traded. If your broker routes those orders, unlikely because they will be considered ""unfair"" and will probably be busted by the exchange, the only way to drive the price to the heights & lows in your example is to have an overwhelming amount of quantity relative to the order book. Your orders will hit the opposing limit orders until your quantity is exhausted, starting from the best price to the worst price. This is the functional equivalent to a market order."


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"The federal funds rate is one of the risk-free short-term rates in the economy. We often think of fixed income securities as paying this rate plus some premia associated with risk. For a treasury security, we can think this way: (interest rate) = (fed funds rate) + (term premium) The term premium is a bit extra the bond pays because if you hold a long term bond, you are exposed to interest rate risk, which is the risk that rates will generally rise after you buy, making your bond worth less.  The relation is more complex if people have expectations of future rate moves, but this is the general idea.  Anyway, generally speaking, longer term bonds are exposed to more interest rate risk, so they pay more, on average. For a corporate bond, we think this way: (interest rate) = (fed funds rate) + (term premium) + (default premium) where the default premium is some extra that the bond must pay to compensate the holder for default risk, which is the risk that the bond defaults or loses value as the company's prospects fall.  You can see that corporate and government bonds are affected the same way (approximately, this is all hand-waving) by changes in the fed funds rate. Now, that all refers to the rates on new bonds.  After a bond is issued, its value falls if rates rise because new bonds are relatively more attractive.  Its value rises if rates on new bonds falls.  So if there is an unexpected rise in the fed funds rate and you are holding a bond, you will be sad, especially if it is a long term bond (doesn't matter if it's corporate or government).  Ask yourself, though, whether an increase in fed funds will be unexpected at this point.  If the increase was expected, it will already be priced in.  Are you more of an expert than the folks on wall-street at predicting interest rate changes?  If not, it might not make sense to make decisions based on your belief about where rates are going.  Just saying. Brick points out that treasuries are tax advantaged.  That is, you don't have to pay state income tax on them (but you do pay federal). If you live in a state where this is true, this may matter to you a little bit. They also pay unnaturally little because they are convenient for use as a cash substitute in transactions and margining (""convenience yield"").  In general, treasuries just don't pay much.  Young folk like you tend to buy corporate bonds instead, so they can make money on the default and term premia."


Make sure you are hitting the actual max of the 401k. Most think it is 18K, but that is the amount you can contribute into either pre-tax or roth. On top of this, you can also contribute using an after-tax contribution (treated differently from Roth). Total amounts up to 54k (since you are under 50).  One thing I would look into for ways to beat interest rates in bank accounts and CDs is Municipal Bond funds, given your high income. I have seen some earning almost 6% tax-free YTD. These also give you liquidity. Definitely keep your 3 mo salary in the bank, but once you get over that while maxing out your 401k, this is a pretty good way to make your money work for you, without crushing you come tax time.   Building that muni bond fund account gradually, you can eventually use that account to pay for things like car payments, mortgage, rent, vacation, etc. Just be sure if you go with a mutual fund, that you are aware of any surrender charge schedules. I have seen this done with C Shares, where you can withdraw your investment without penalty after 1 year.   Let me know if this is unclear or you would like any additional information. Best of luck!


Pivots Points are significant levels technical analysts can use to determine directional movement, support and resistance. Pivot Points use the prior period's high, low and close to formulate future support and resistance. In this regard, Pivot Points are predictive or leading indicators. There are at least five different versions of Pivot Points. I will focus on Standard Pivot Points here as they are the simplest. If you are looking to trade off daily charts you would work out your Pivot Points from the prior month's data. For example, Pivot Points for first trading day of February would be based on the high, low and close for January. They remain the same for the entire month of February. New Pivot Points would then be calculated on the first trading day of March using the high, low and close for February. To work out the Standard Pivot Points you use the High, Low and Close from the previous period (i.e. for daily charts it would be from the previous month) in the following formulas: You will now have 5 horizontal lines: P, R1, R2, S1 and S2 which will set the general tone for price action over the next month. A move above the Pivot Point P suggests strength with a target to the first resistance R1. A break above first resistance shows even more strength with a target to the second resistance level R2. The converse is true on the downside. A move below the Pivot Point P suggests weakness with a target to the first support level S1. A break below the first support level shows even more weakness with a target to the second support level S2. The second resistance and support levels (R2 & S2) can also be used to identify potentially overbought and oversold situations. A move above the second resistance level R2 would show strength, but it would also indicate an overbought situation that could give way to a pullback. Similarly, a move below the second support level S2 would show weakness, but would also suggest a short-term oversold condition that could give way to a bounce. This could be used together with a momentum indicator such as RSI or Stochastic to confirm overbought or oversold conditions.  Pivot Points offer a methodology to determine price direction and then set support and resistance levels, however, it is important to confirm Pivot Point signals with other technical analysis indicators, such as candle stick reversal patterns, stochastic and general Support and Resistance Levels in the price action. These pivot points can be handy but I actually haven’t used them for trade setups and entries myself. I prefer to use candle sticks together with stochastic to determine potential turning points and then take out trades based on these. You can then use the Pivot Points Resistance and Support levels to help you estimate profit targets or areas to start becoming cautious and start tightening your stops. Say, for example, you have gone long from a signal you got a few days ago, you are now in profit and the price is now approaching R2 whilst the Stochastic is approaching overbought, you might want to start tightening your stop loss as you might expect some weakness in the price in the near future. If prices continue up you keep increasing your profits, if prices do reverse then you keep the majority of your existing profits. This would become part of your trade management. If you are after finding potential market turning points and take out trades based on these, then I would suggest using candlestick charting reversal patterns for your trade setups. The patterns I like to use most in my trading can be described as either the Hammer or One White Soldier for Bullish reversals and Shooting Star or One Black Crow for Bearish reversals. Below are diagrams of where to place your entries and exits on both Bullish and Bearish reversal patterns. Bullish Reversal Pattern   So after some period of weakness in the price you would look for a bullish day where the price closes above the previous day’s high, you place your buy order here just before market close and place your initial stop just below the low of the day. You would apply this either for an uptrending stock where the price has retracted from or near the trendline or Moving Average, or a ranging stock where price is bouncing off the support line. The trade is reinforced if the Stochastic is in or near the oversold and crossing back upwards, volume on the up day is higher than volume on the down days, and the market as a whole is moving up as well. The benefit with this entry is that you are in early so you capture any bullish move up at the open of the next day, such as gaps. The drawbacks are that you need to be in front of your screen before market close to get your price close to the market close and you may get whipsawed if prices reverse at the open of the next day, thus being stopped out with a small loss. As the price moves up you would move your stop loss to just below the low of each day. Alternative Bullish Reversal Entry  An alternative, entry would be to wait for after market close and then start your analysis (easier to do after market close than whilst the market is open and less emotions involved). Place a stop buy order to buy at the open of next trading day just above the high of the bullish green candle. Your stop is placed exactly the same, just below the low of the green bullish candle. The benefits of this alternative entry include you avoid the trade if the price reverses at the open of next day, thus avoiding a potential small loss (in other words you wait for further confirmation on the next trading day), and you avoid trading during market open hours where your emotions can get the better of you. I prefer to do my trading after market close so prefer this alternative. The drawback with this alternative is that you may miss out on bullish news prior to and at the next open, so miss out on some potential profits if prices do gap up at the open. This may also increase your loss on the trade if the prices gaps up then reverses and hits your stop on the same day. However, if you choose this method, then you will just need to incorporate this into your trading plan as potential slippage. Bearish Reversal Pattern   So after some short period of strength in the price you would look for a bearish day where the price closes below the previous day’s low, you place your sell short order here just before market close and place your initial stop just above the high of the day. You would apply this either for an downtrending stock where the price has retracted from or near the trendline or Moving Average, or a ranging stock where price is bouncing off the resistance line. The trade is reinforced if the Stochastic is in or near the overbought and crossing back downwards, volume on the up day is higher than volume on the up days, and the market as a whole is moving down as well. The benefit with this entry is that you are in early so you capture any bearish move down at the open of the next day, such as gaps. The drawbacks are that you need to be in front of your screen before market close to get your price close to the market close and you may get whipsawed if prices reverse at the open of the next day, thus being stopped out with a small loss. As the price moves down you would move your stop loss to just above the high of each day. Alternative Bearish Reversal Entry   An alternative, entry would be to wait for after market close and then start your analysis (easier to do after market close than whilst the market is open and less emotions involved). Place a stop sell short order to sell at the open of next trading day just below the low of the bearish red candle. Your stop is placed exactly the same, just above the high of the red bearish candle. The benefits of this alternative entry include you avoid the trade if the price reverses at the open of next day, thus avoiding a potential small loss (in other words you wait for further confirmation on the next trading day), and you avoid trading during market open hours where your emotions can get the better of you. I prefer to do my trading after market close so prefer this alternative. The drawback with this alternative is that you may miss out on bearish news prior to and at the next open, so miss out on some potential profits if prices do gap down at the open. This may also increase your loss on the trade if the prices gaps down then reverses and hits your stop on the same day. However, if you choose this method, then you will just need to incorporate this into your trading plan as potential slippage. You could also trade other candle stick patterns is similar ways. And with the long entries you can also use them to get into the market with longer term trend following strategies, you would usually just use a larger stop for longer term trading. To determine the size of your order you would use the price difference between your entry and your stop. You should not be risking more than 1% of your trading capital on any one trade. So if your trading capital is $20,000 your risk per trade should be $200. If you were looking to place your buy at 5.00 and had your initial stop at $4.60, you would divide $200 by $0.40 to get 500 stocks to buy. Using this form of money management you keep your losses down to a maximum of $200 (some trades may be a bit higher due to some slippage which you should allow for in your trading plan), which becomes your R-multiple. Your aim is to have your average win at 3R or higher (3 x your average loss), which will give you a positive expectancy even with a win ratio under 50%. Once you have written down your trading rules you can search stock charts for potential setups. When you find one you can backtest the chart for similar setup over the past few years. For each setup in the past jot down the prices you would have entered at, where you would have set your stop, work out your R, and go day by day, moving your stop as you go, and see where you would have been stopped out. Work out your profit or loss in terms of R for each setup and then add them up. If you get a positive R multiple, then this may be a good stock to trade on this setup. If you get a negative R multiple, then maybe give this stock a miss and look for the next setup. You can setup watch-lists of stocks that perform well for both long setups and short setups, and then trade these stocks when you get a new signal. It can take some time starting off, but once you have got your watch-lists for a particular setup, you just need to keep monitoring those stocks. You can create other watch-lists for other type of setups you have backtested as well.


Is it inevitably taxed by the government? Which government? Tax treatment of familial loans varies greatly be jurisdiction. What is proper documentation procedure? If you want to get paid back, definitely a lawyer ... each. Is it better to ask several family members to help contribute so each person loans less? Or is it taxed the same? If this is only a tax issue then see above. If it is a means of spreading risk then sure.


From my perspective I suspect that if the government use the paid price, people will start to buy at very low nominal prices in order to pay less taxes, and will repay the seller by other means.


I agree, but stick with Cambodian beer.   While not as good as Singha, it'll be cheaper for him to buy, he's supporting another Cambodian company, and 99% of consumers would buy anyway because they just want a beer and don't care about brand in that scenario.


The only difference now is that burger king will not have to pay US taxes on foreign profits that stayed in foreign markets. The US doesn't care where you made the money or where it is staying they think they deserve a cut just because of where a company is headquartered.


"The bottom line is that you can decide whatever you want to do.  It is good of you to get everything in writing.  What happens if she decides to move to a different city?  What happens if she also wants to be bought out?  It should also include contingencies for your husband and yourself.  God forbid anything negative happens, but what happens if you two get divorced?  Does your husband want to be an agreement with your sister if you pass away? There does not seem to be any math to do in this case.  While she is paying the lion's share of the payment, she is also receiving the benefit of having a place to live.  It is unlikely that she can rent an equivalent place for anything close to 1400/month.  I would estimate it would be at least 1800/month to rent an equivalent property. So she put no money down, and she is paying below market ""rent"" to live somewhere.  Many people would be happy to have $400/month off and handle their own repairs (let alone you still kicking in half).   Now all that said, if you want to give her some equity based upon generosity or the desire to give her some dignity, then you are free to do so.  Perhaps 10%?"


> it's a poor replacement because optics refers to lenses and shit  And that's WHY it's called optics. It's about the metaphorical lenses through which people view things. People don't just judge based on the way things are, but also based on the angle they're looking at it all.  Optics aren't about what is, it's about how what is is perceived.


No, it will show on the LLC tax return (form 1065), in the capital accounts (schedules K-1, L and M-2), attributed to your partner.


I had an epiphany. Millennials are underestimating their power. These companies are saying this about them as if saying it will make them feel bad. I think Millennials should start wielding their power and kill more businesses that do not cater to them.


"there is a lot of ""creepy"" in US. I just recently found out that you guys had pledge of allegiance every fucking day in school.   Not even eastern block countries prior to the fall of the communism waged such an illustrious propaganda with young minds.   The WallMart thing is just an extension of this insanity wrapped in worship and flagwaving."


"Dawn Bennett For over thirty years, Dawn J. Bennett has provided expert financial guidance and insight to her numerous clients as a Wharton School of Business Certified Management Investment Analyst. Dawn’s financial expertise and passion for politics has culminated in the ""Financial Myth Busting with Dawn Bennett"" radio program, a nationally-syndicated weekly show on which Dawn covers a range of current political and financial issues."


* Yes, you should incorporate if you plan on seriously investing in real estate. This not only limits liability in terms of paying back the debt but also in case your tenants sue you.  * Pass-through entities. Typically an LLC but it depends on the state if they have good or bad LLC laws. Pennsylvania is a state where you would not want to incorporate as an LLC. Other options include S-corps and LPs.  * Loans are taken out by corporations against the property. Typically mortgage loans are non-recourse. If you set up a company for each property, this further insulates you against the bank capturing other properties within the pool. However, recourse carveouts can still end up getting you on the hook personally for the loans. These typically include voluntary bankruptcy. You would very rarely have to file for bankruptcy anyway for your real estate investments. At worst, it will end in foreclosure but banks typically would prefer deed-in-lieu just because it is faster and easier for them too. You just turn over the keys and walk away. It will have very little impact on your personal finances or record. Everyone in real estate walks away from properties and leaves them with the bank. It's a fact of doing business and your lender should have been comfortable owning your property at the basis they lent money to you. If they weren't, they were just stupid.  * Yes, every real estate investment requires equity in the property. Typically it's a 20% equity check but if the lender underwrites the property to a lower value than what you purchased it for, you may have to line up more expensive financing.


Percent of daily income spent on food. 0% for NYC? That's bs. I make 211.26 a day, 8 hour work day. Let's break it into 7 days. Roughly 150 a day. Average meal? 6 dollars. That's 4%, not half a percent or whatever it quoted.


and obvioulsy these employees just take their wages at the end of each year and have a cash bonfire...  objectivist-libertarian-check-mate, my friend.  now back to jerking off in front of my special fell length mirror which has lifelike ayn rand and mises printed on it.


It might be easiest to think of stock exchanges like brokers.  If you buy a home, and your broker goes bankrupt, you still own your home, but you could not sell it without the aid of another broker.   Same with stocks, you own the stocks you buy, but you would be unable to either purchase new stocks or sell your stock holdings without an exchange.


"A coworker put the idea in my head ""what if one day we wake up and thousands of pissed off young people are defaulting on their student loans""?  It's Crazy I know but out of curiosity I started doing homework on this and within one paragraph of Investopedia reading, I had questions.    1).  How is a loan an asset?  I'm the bank and I have 100$.  I loan Jimmy 20$.  With interest I expect him to pay back 25$.  My books sure as shit shouldn't say I'm worth 105$ or even 100$!  I gave away 20$.  I'm worth 80$ right?  Sure I can put it on my books that Jimmy owes me 20$ but I cannot be acting like I HAVE that 20$ can I?  Isn't that how the 08' crash happened? Explain why it makes sense to consider a loan an asset.  Is the risk of default accounted for?  Which leads me to question 2.  2).  I came across this phrase: "" because default risk is not transferred with the asset.""  Does that mean that when these institutions pass around the loan, the risk doesn't go with it?  How is it possible?  Assuming loan has the risk of default priced in (which I still don't fully get See #1), how can it possibly be sold in such a way that the risk of default is detached?    I am guess I am trying to dig around and learn as much as I can about student loans because the initial theory is not far-fetched to me."


Over the last few years I've read quite a bit about monetary history.   I've developed two very important rules from this study: If you follow these two rules you will be able to weather almost any governmental or banking crisis.


Good intentions with unintended consequences.  All long haul EU carbon taxes will do is create opportunity for an airport hub in North Africa, apart from pushing travel back to a thing only the rich can afford.


We stopped going because of their fast pass system. When I first came across this at Legoland I was intrigued but horrified by the price. The more I think of the implications the less I like it. Too much fluff and not enough movie.


Your question seems to be making assumptions around “investing”, that investing is only about stock market and bonds or similar things. I would suggest that you should look much broader than that in terms of your investments. Investment Types Your should consider (and include) some or all of the following for your investments, depending on your age, your attitude towards risk, the number of dependents you have, your lifestyle, etc. I love @Blackjack’s explanation of diversification into other asset classes producing a lower risk portfolio. Excellent! All the above need to be considered in this spread of risk, depending as I said earlier on your age, your attitude towards risk, the number of dependents you have, your lifestyle, etc. Stock Market Investment I’ll focus most of the rest of my post on the stock markets, as that is where my main experience lies. But the comments are applicable to a greater or lesser extent to other types of investing. We then come to how engaged you want to be with your investments. Two general management styles are passive investment management versus active investment management. @Blackjack says  That pretty much sums up passive management. The idea is to buy ETFs   across asset classes and just leave them. The difficulty with this idea is that profitability is very dependent upon when the stocks are purchased and when they are sold. This is why active investing should be considered as a viable alternative to passive investment.  I don’t have access to a very long time frame of stock market data, but I do have 30 or so years of FTSE data, so let’s say that we invest £100,000 for 10 years by buying an ETF in the FTSE100 index. I know this isn't de-risking across a number of asset classes by purchasing a number of different EFTs, but the logic still applies, if you will bear with me. Passive Investing I have chosen my example dates of best 10 years and worst 10 years as specific dates that demonstrate my point that active investing will (usually) out-perform passive investing. From a passive investing point of view, here is a graph of the FTSE with two purchase dates chosen (for maximum effect), to show the best and worst return you could receive. Note this ignores brokerage and other fees. In these time frames of data I have …   These are contrived dates to illustrate the point, on how ineffective passive investing can be, depending if there is a bear/bull market and where you buy in the cycle.  One obviously wouldn’t buy all their stocks in one tranche, but I’m just trying to illustrate the point. Active Investing Let’s consider now active investing. I use the following rules for selling and buying:- This is obviously a very simple technical trading system and I would not recommend using it to trade with, as it is overly simplistic and there are some flaws and inefficiencies in it. So, in my simulation,  These beat the passive stock market profit for their respective dates. Summary Passive stock market investing is dependent upon the entry and exit prices on the dates the transactions are made and will trade regardless of market cycles. Active stock market trading or investing engages with the market using a set of criteria, which can change over time, but allows one’s investments to be in or out of the market at any point in time. My time frames were arbitrary, but with the logic applied (which is a very simple technical trading methodology), I would suggest that any 10 year time frame active investing would beat passive investing.


You can't get a loan from an IRA. You cannot get a loan from your 401(k) plan with your previous employer; 401(k) plans do not give loans to ex-employees, only current employees. Thus, if you want to have the flexibility of getting a loan from the money in the 401(k) plan with your ex-employer, your only option is to roll it over into the 401(k) plan of your current employer. But be aware of the negatives in doing so, some of which are discussed in the answers to Why would you not want to rollover a previous employer's 401(k) when changing jobs?.


You can do a direct transfer from one fund to another within Fidelity very easily. You will have to see if the two funds have any sales or redemption fees. If you want to leave Fidelity, they should be able to transfer the funds directly to the other IRA custodian. You don't want the money to go to you, instead you want to send them send the money directly to the other firm. The new custodian will be more than happy to help facilitate the transfer. The only fee for doing so should be if the funds you are investing in have fees for buying or selling shares. There are many options that don't have these transaction costs, both with Fidelity and with other companies.


East Side Lenders Payday Loans4 East Side Lenders | Payday LoansEast Side Lenders Knows that life can be unpredictable and sometimes, unexpected expenses can arise.  Whether you need money for a mechanic or you need to pay your mortgage you need to cover the cost and your next paycheck may be too far away to fit the bill.


This argument applies to Walmart too.  However, Walmart has been very bad for vendors. Amazon has been not so great for producers in some categories as well (writers for instance - GF was a writer of eBooks until they changed some of the compensation rules to take the profit out of it).


"This about knowing the meaning of the term ""making money."" At a deeper level it's identifying idiots who can't accept the fact they're wrong and don't really know shit about what they're talking about. If you want to support and perpetuate this behavior, fine with me. It just means continuing job security."


In the UK maternity pay is covered by national insurance, which is as you describe.  That's not the problem though.  The problem is losing a member of staff for an undefined period of time, and having to train somebody to replace them which is not free.


You realize they've been saying that for decades now and there has been no mass plague to kill us off.  Don't worry so much climate change is going to kill us long before antibiotic resistance does or at the very least lower food demand.


except that most companies are small companies and most business owners end up as families at some point.  I'm starting a business abroad and will be taxed at 35% in the USA even if I don't live there.   There's ways to get around it, but I'm not sure exactly how to do it yet nor am I making enough money yet to justify the up front expense of doing this


"Credit cards are a reasonable if relatively expensive tool to gain liquidity. If you have $50k in liquid cash, you don't have a liquidity problem for credit to help you solve.  You have 100 months of expenses in cash. I suppose you could see a balance as a motivational tool, but it's all stick and no carrot.   Take the next part half seriously in the spirit of ""what if"" talking therapy: If you feel you need to be motivated to get back to work by the true risk of running out of cash, and take such advice from strangers on the internet, the traditional midlife crisis purchase is a sports car.  At least have some fun in a (depreciating but resellable) asset instead of paying a financier's bonus in evaporated interest!  If there is a luxury car tariff in your country, you may even be able to exploit a personal exemption if you drove in from the U.S.  I suppose this advice could possibly get you booted from the family house as it'll probably come across as a seriously ""ugly American"" move though..."


"Investing in a company that loses money with the mindset ""its good for the environment"" is not something I will be doing. I'm all for Tesla building cars. Just not going to risk this with my money.  Maybe it will be a mistake and when I'm 80 I will look back and go damn it was the next Microsoft but thats the decision I'm making."


Politicians can't even be bothered to listen to scientists who almost all agree on major thing like climate change or GMOs where almost all scientists agree.  Why would they bother to listen to economists where there are at least a half dozen competing theories of macroeconomics and the optimal role of government in it?


Risk is the problem, as others have pointed out. Your fixed mortgage interest rate is for a set period of time only. Let's say your 3% might be good for five years, because that's typical of fixed-rate mortages in Canada. So, what happens in five years if your investment has dropped 50% due to a prolonged bear market, and interest rates have since moved up from 3% to 8%? Your investment would be underwater, and you wouldn't have enough to pay off the loan and exit the failed strategy. Rather, you might just be stuck with renewing the mortage at a rate that makes the strategy far less attractive, being more likely to lose money in the long run than to earn any. Leverage, or borrowing to invest, amplifies your risk considerably. If you invest your own money in the market, you might lose what you started with, but if you borrow to invest, you might lose much more than you started with. There's also one very specific issue with the example investment you've proposed: You would be borrowing Canadian dollars but investing in an index fund of U.S.-based companies that trade in U.S. dollars. Even if the index has positive returns in U.S. dollar terms, you might end up losing money if the Canadian dollar strengthens vs. the U.S. dollar. It has happened before, multiple times. So, while this strategy has worked wonderfully in the past, it has also failed disastrously in the past. Unless you have a crystal ball, you need to be aware of the various risks and weigh them vs. the potential rewards. There is no free lunch.


I'm going to echo everyone else's sentiments in this thread. What a ridiculous article! You have a solid, dependable, money making star that runs her own show like a well oiled machine and your biggest critique is that she is a sound business woman? I think there is a special place in journalist hell for writers who try to get attention by only playing contrarian for the sake of being contrarian. News flash, pretty unoriginal. I'm not really a fan of her music but man do I love to see sound business people doing it right. This is worth commending.


I just received a transfer offer -  Seems to me, they don't care what I do with the proceeds. Options 1 & 2 make that clear.


The article speaks about how pieces of the pie have shrunk. I'm also curious to know if the pie's growth has maintained or shrunk as well. All the women starting full time jobs from the 60's would have to have some impact on the overall salaries. That's inevitable.   And how have the demographics changed in the top 5%? Could a divergence there justify a portion of the diverging rates?


"You owe no tax on the option transaction in 2015 in this case.  How you ultimately get taxed depends on how you dispose of the position.  If it expires, then you will have a short-term capital gain on the option position at expiration.  If it is exercised, then the option is ""gone"" for tax purposes and your basis in the underlying is adjusted.  From IRS Publication 550: If a call you write is exercised and you sell the underlying stock, increase your amount realized on the sale of the stock by the amount you received for the call when figuring your gain or loss. The gain or loss is long term or short term depending on your holding period of the stock. In your case, this will be a long-term capital gain. For completeness, if you buy to cover the option back from the market before expiration or exercise, then it is also a short-term capital gain. Also, keep in mind that this all assumes that this covered call is ""qualified"" so that it does not count as a straddle.  You can find more about that in Pub 550. https://www.irs.gov/publications/p550/ch04.html#en_US_2014_publink100010630 All of this is for US tax purposes."


It's a good start that you want to self educate and get ahead of the curve. Try online workshops that are relatively cheap but give you a glimpse of a particular subject. Shaw Academy, Udemy, Khan Academy, etc..   This should help you in the spare time learn about other subjects.


A US buyer wanted to import Gold from Ghana but due to insufficient working capital they were unable to obtain a Standby LC from their local bank. They contacted BWT for help & we facilitated their Gold deal by providing Standby Letter of Credit (SBLC, MT760) in favor of their Ghana Seller.


Yes it does, I have just had the worst luck with my job search so far. I do need to brush up on my investing knowledge for interviews because I have been out of school for a few months now  Edit: do you work in ny? Any tips on getting me résumé noticed?


"You mean ""Greece has asked China for loans"" and China might've taken them seriously.    In no way does that transition into any sort of reasonable expectation that China buy up European debt.  Much less buy it up and then ignore it for a while, which is obviously what Europe is hoping for."


"> But at least you admit they're paid better and you just don't ""like"" the field.  WTF? You completely misunderstood my point, you fucking dolt. I asserted tradesmen are paid better, but ignored the point, since it is somewhat transitory.   > The millions of consulting and banking employees are humored that you think it'd be better for them to plunge toilets.  > I'm a math/statistics major  THIS is the arrogant bullshit so rampant in the fucking industry that drives out talent, and leaves it a barren wasteland of under-educated assholes. You (apparently) haven't even fucking graduated yet. And you not only know how the world works, you're convinced you're too good for a significant portion of it.  > Mine was <10.  We are talking about the SEC conference, right? A bachelor's degree, right? Four years of that is $25K-$50K (depending) just in tuition, and it completely ignores books, or inflated housing, or opportunity cost. So WTF are you on? Less than 10K? Do you mean annually??  > and your suggestion is to be a Carpenter instead.  It is a particular example of the last of a series of suggestions, but sure. Why not? If they make more money and enjoy it more, why the fuck not?"


There's been some work on sentiment analysis and it's effect on stock prices. Would be interesting to see a model that uses sentiment as well as more normal fundamentals to try model returns. Perhaps short term sentiment could explain some of the messiness day by day while long term sentiment has an effect on long term prices...


Also don't need as much of an emergency fund though. The risk of having all of your assets tied up in a 401k is way higher when you're out on your own.  But yeah. I would hope that anyone living at home is saving aggressively.


We are experts in web design, we have great experience in the sector adjusting to the quality guidelines that the main search engines demand. We have professional web designers and website developers in In Edmond to make your website very attractive, check our web projects.  position your website effectively in the top positions of the main search engines, create your online marketing campaigns, take care of link building strategies, and we will advise you on the optimization of your website.


Another form of 'shareholder' activism. You might be able to buy a single share, which it seems would cost around $35, attend the AGM, and ask questions and/or shout or sing and delay proceedings. There would certainly be security guards or police ready to remove protesters at an AGM.


Retirement is a Fiction anyways. It is the carrot by which the class structured social construct prods people to take money out of Circulation and attempt to hold it for a later date, or leverage monies now for later. Retirement was a reward at times offered by some companies, but was not always the case. If you made the Company you worked for enough monies, they would offer a Retirement Package, or a productivity incentive for lower classed employees. Any Retirement packages that have been saved by the American Citizens are soon to be plundered by the US Government (once they figure out how to get away with it.) All for the sake of making the many equal with the few. Yet another way to penalize the productive working class, and kowtow to the unproductive yet voting non working class.


I'm a Senior Engineer at the top tech company in the world... I've been here since I graduated in 2010.  I still cannot afford to buy a decent house in any neighborhood within 20 miles of my workplace.  It's kind of disheartening imagining the kind of situation people who aren't as lucky as me job wise must be in.


Your credit score is based on your use of Debt. From wikipedia: Opening and closing bank accounts, buying or selling cars without debt, or even buying or selling houses without debt won't affect your credit score.


I don't think they were bringing in much/if any revenue in the beginning. If you start an app and build an audience, then people will invest ton's of money on the hope it will become profitable.  Once they had the user audience, then they were able to sell the primary subscription service. So now its all an attempt to make their investor's money back.


"The contract he wants me to sign states I'll receive my monthly   stipend (if that is the right word) as a 1099 contractor. The right word is guaranteed payment, which is what ""salary"" is called when a partner is working for a partnership she's a partner in. Which is exactly the case in your situation. 1099 is not the right form to report this, the partnership (LLC in your case) should be using the Schedule K-1 for that. I suggest you talk to a lawyer and a tax adviser (EA/CPA) who are licensed in your State, before you sign anything."


Nice. Well it looks like you are pretty setup. Get that LinkedIn profile setup. Start trying to connect with executives in your industry (hard) and then grind it out. It's very unlikely you will get a C level at your current employer so get ready to make a transition and make it . Most of the C levels I have spoken with either grew with a small company over 10 years or more. OR they jumped from one company to another to get the title


Does gold's value decrease over time due to the fact that it is being continuously mined? Remember that demand increases and decreases - we've had seven years or so of strong demand increase and the corresponding price increase suggests there is a lack of gold coming into the market rather than too much. Also, bear in mind that mining the stuff on any scale is hazardous and requires massive investment in infrastructure and time. Large mines frequently take seven to ten years to come on-stream - hardly an elastic enterprise.


"**See Also**  1. "". . . Inspired by historical analyses of power, greed, and manners (e.g., Elias, 1978), Ward and Keltner (1998) examined whether power would produce socially inappropriate styles of eating. In same-sex groups of 3 individuals, 1 randomly chosen individual (the high-power person) was given the role of assigning experimental points to the other 2 on the basis of their contributions to written policy recommendations concerning contentious social issues. After group members discussed a long and rather tedious list of social issues for 30 min, the experimenter arrived with a plate of five cookies. This procedure allowed each participant to take one cookie and provided an opportunity for at least 1 participant to comfortably take a second cookie, thus leaving one cookie on the plate. Consistent with the prediction, high-power individuals were more likely to take a second cookie (see Figure 6). Coding of the videotaped interactions also revealed that high-power individuals were more likely to chew with their mouths open and to get crumbs on their faces and on the table. Male participants ate in more disinhibited ways as well, lending further support to our power-based hypothesis, to the extent that gender is equated with power. . . .""      Source: ""[Power, Approach, and Inhibition](http://socrates.berkeley.edu/~keltner/publications/keltner.power.psychreview.2003.pdf)"" by Dacher Keltner, Deborah H. Gruenfeld, and Cameron Anderson: http://socrates.berkeley.edu/~keltner/publications/keltner.power.psychreview.2003.pdf via http://socrates.berkeley.edu/~keltner/publications.htm   2. ""[Power is not only an aphrodisiac, it does weird things to some of us](http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2006/11/19/INGT9MCJHJ1.DTL&ao=all)"" by Vicki Haddock: http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2006/11/19/INGT9MCJHJ1.DTL&ao=all  3. ""[The Power Paradox](http://greatergood.berkeley.edu/article/item/power_paradox)"" by Dacher Keltner: http://greatergood.berkeley.edu/article/item/power_paradox"


It comes down to the practical value of paying dividends. The investor can continually receive a stream of income without selling shares of the stock. If the stock did not pay a dividend and wanted continual income, the investor would have to continually sell shares to gain this stream of income, incurring transaction costs and increased time and effort involved with making these transactions.


"First of all, kudos for thinking about budgeting at 21 years old.  So many people don't plan with their money, and years later wonder where it all went. You are doing a lot of things right with your budget.  You've got saving goals, namely your next car and a down payment on a house.  You are saving almost 20% of your income for retirement, which is amazing. I like the luxury fund, too.  It is good to put some money aside that you can spend on whatever you want, guilt free, because you know that everything important is already planned for. When it comes to budgeting, one thing to remember is that your budget does not have to be perfect, and it is not set in stone.  If you find that your amount for ""living costs"" (which I'm assuming includes things like food, utilities, and rent) is too low, you can allocate more money to it and reduce something else.  There is no need to feel bad if you end up having to change some things around in the budget. Congratulations on being debt free!  I would encourage you to stay out of debt.  Keep the credit cards paid in full each month, and save up for your next car so you can pay cash for that, too. Another saving goal that I would recommend adding to your budget would be an emergency fund.  This is basically a pile of cash that is available to you in case something unexpected and urgent comes up that you haven't planned for.  By having the emergency fund in place, you won't be forced to go into debt due to an emergency.  The amount recommended is usually 3 to 6 months' worth of your expenses."


"Kind of matters because your definition of ""cost"" is solely based on a hindsight view of market movement.  Lack of gain is not cost except from an inflationary perspective, versus actual value loss of entering near a top.  On a long time scale, yes, the market will probably go up and value will return - but telling someone that now is the perfect time to enter is entirely debatable. Momentum is not fundamental and could reverse tomorrow for all you know."


...    Its going to augment their declining revenue and help w/ pay per view.  They still have licensing rights. Disney is now a vertically integrated media company, similar to Time Warner before the split.      Netflix, on the other hand, is only a media distributor.


I didn't say teachers were obsolete. You can take your show on the perverbial road as well and post your magic to YouTube as well. How many subscribers would you need to accomplish what you are paid by the institution? Could you help more poor people by choosing not to charge them?


"You asked 3 questions here. It's best to keep them separate as these are pretty distinct, different answers, and each might already have a good detailed answer and so might be subject to ""closed as duplicate of..."" That said, I'll address the JAGLX question (1). It's not an apples to apples comparison. This is a Life Sciences fund, i.e. a very specialized fund, investing in one narrow sector of the market. If you study market returns over time, it's easy to find sectors that have had a decade or even two that have beat the S&P by a wide margin. The 5 year comparison makes this pretty clear. For sake of comparison, Apple had twice the return of JAGLX during the past 5 years. The advisor charging 2% who was heavy in Apple might look brilliant, but the returns are not positively correlated to the expense involved. A 10 or 20 year lookback will always uncover funds or individual stocks that beat the indexes, but the law of averages suggests that the next 10 or 20 years will still appear random."


It is important to remember that the tax brackets in the U.S. are marginal.  This means that the first part of your income is taxed at 10%, the next part at 15%, next at 25%, etc.  Therefore, if you find yourself just on the edge of a tax bracket, it really does not make any difference which side of that line you end up falling on. That having been said, of course, reducing your taxable income reduces your taxes.  There are lots of deductions you can take, if you qualify.  Depending on what type of health insurance coverage you have, a Health Savings Account (HSA) is a great way to shelter some income from taxes.  Charitable contributions are also an easy way to reduce your taxes; you don't really personally benefit from them, but if you'd rather send your money to a good cause than to Uncle Sam, that's an easy way to do it.


"You should see ""Restaurant Impossible"" on TV, shows exactly how you'll end up if you take this direction. Bottom line - yes, it is usually bad. There's a race condition there in the hiding: you either learn the ropes as you go, or you run out of money and go bankrupt, whichever comes first. My personal experience shows that things that seem simple from the outside may become very very complex once you're actually inside. As an engineer I know perfectly well that the devil is in the details. As an investor I know not to step into something I don't know how to step out of. If someone sells something - you should give a thought as to why they're selling. Is the restaurant making money? What's the cashflow? Are there underlying issues? What are the development plans in the neighborhood for the foreseeable future? What's the clientele, and what are the trends? What's with the competition? Can you answer these questions? If not - you're not in a position to enter the business."


I bought a Thinkpad in Dec 2007 using BillMeLater, which was working with IBM/Lenovo at that time.  I was getting the notebook at the lowest price available, from the manufacturer.  I had the money to pay for it -- around $1400.  But I went ahead and took the offer from BillMeLater.  It was essentially a 12-month zero-interest credit card balance transfer loan.  Sketchy bit its very nature.  They spammed my inbox with solicitations, which was annoying.  But I set my bank to pay the monthly amount (or slightly over, since it decreases each month) and to make the final payoff -- all at the time of purchase.  This  worked just fine -- but I still had spam from BillMeLater for quite a while.  I still ran a slight risk that something would go wrong, at which point I'd face interest charges -- but I would then have paid off the item plus those interest charges.  Luckily I avoided that.  I'm not sure I'd bother doing this again, but if the sticker price was high enough, I might be tempted....


For academic stuff, SAS and Stata are amazingly better at cleaning and processing huge amounts of data. I love excel and it can certainly do some very amazing things, but at some point you just need a full on statistical software totally driven by its own programming language.    That software is pretty cheap for academics, but corporate licenses are usually insanely more expensive.   Otherwise I program everything in Python.


When I go shopping I make sure that I am not hungry and I have a written list that lets me to go through the shop as quick as possible.


"Note that many credit unions participate in a ""branch exchange"" program, which lets you access you CU's accounts and services thru the offices of the others. My CU is two states away,  but there has been only one case where I felt a need to drive back there. Find out if your has joined this network, and encourage them to do so if they haven't yet. It makes credit unions fully competitive with interstate banks.  The shared-branch CU locations may not be maximally convenient, but more keep joining, and the most common transactions can be done by mail or ATM anyway. The biggest advantages of a local CU or bank are that they know the local rules for mortgages, and they may have safe deposit boxes for rent.  That, and having a place to unload the pocket change that piles up, are why I've got an account with a small local bank a few blocks from my house as well. Though I keep thinking about joining my alma mater's credit union, and will if the ever get on the shared-branch system."


Two ideas. EDIT: you should also do alot of research about how to invest this money properly. Something low risk but will beat inflation by a margin.


">Seriously, a 20 minute thought experiment pre-IPO of ""is Facebook worth $100bn, and does it have growth prospects?"" ought to immediately discount the stock. The smart money was always on ""short it as soon as you can""  You couldn't borrow shares to short, nor get put-options."


I understand why you say that but I assume that there is another financial shake out in the next 5 years.  As they are not profitable and do not have a plan to get to profitability.  I think they will die. You can not bleed money forever.  They can not IPO (escape??) do to the stolen IP problems.  The moment they expose their finances and management problems to external their valuation will be closer to $10 Billion not $60 Billion.  A real valuation might be $1 Billion.  They will disappear as fast as they arrived.  Uber will be as famous as Pets.com or Webvan.


This is the most common option offered by these companies and it offers only rudimentary protection to the discs. This is also the cheapest packaging option available at various book manufacturers engaged in CD/DVD replication is made of a hard-wearing, flexible polypropylene.


I'm a libertarian and I just want him to present a coherent message occasionally so I know what we are in for. He can't!   The buck used to stop at the President of the United States. This ADHD afflicted child will not own anything but his own fake news. Sad!


"You are probably right I honestly don't know, my main issue with this article is the misleading nature. IMO it's as though the author has seen snippets of information and then formed his entire opinion on it. I'm not convinced he fully understands ""best execution"" or how exchanges work.   Statements such as: ""IEX has delivered on its promise of better execution"" what is he basing this on? He makes statements but doesn't follow it up with facts."


"Stock market indexes are generally based on market capitalization, which is not the same as GDP.  GDP includes the value of all goods and services produced in a country; this includes a large amount of small-scale production which may not be reflected in stock market capitalizations.  Thus the ratio between countries' GDPs may not be the same as the ratio of their total market capitalization.  For instance, US GDP is approximately 3.8 times as much as Japan's (see here), but US total market cap is about 5.5 as much as Japan's (see here). The discrepancy can be even more severe when comparing ""developed"" economies like the US to ""developing"" (or ""less-developed"") economies in which there is less participation in large-scale financial systems like stock markets.  For instance, US GDP is roughly 10 times that of Brazil, but US total market cap is roughly 36 times that of Brazil.  Switzerland has a total market cap nearly double that of Brazil despite its total GDP being less than half of Brazil's.  Since the all-world index includes all investable economies, it will include many economies whose share of market cap is disproportionately lower than their share of GDP. In addition, according to the fact sheet you linked to, that index tracks only large- and mid-cap stocks.  This will further skew the weighting to developed economies and to the US in particular, since the US has a disproportionate share of the largest companies. Obviously one would need to take a more detailed look at all the weights to determine if these factors account precisely for the level of discrepancy you see in this particular index.  But hopefully that explanation gives an idea of why the US might be weighted more heavily in a stock index than it is in raw GDP."


"This is the best tl;dr I could make, [original](http://www.politico.eu/article/schulz-to-trump-dropping-paris-agreement-means-no-trade-talks/) reduced by 49%. (I'm a bot) ***** > Germany&#039;s challenger for the chancellorship, Martin Schulz, vowed Thursday to retaliate against U.S. President Donald Trump&#039;s potential withdrawal from the Paris climate agreement by refusing to engage in transatlantic trade talks.  > Referring to trade negotiations with the U.S., which ran until the end of last year but are now on ice, Schulz said it would be impossible to grant better market access to the U.S. if it did not respect climate protection rules.  > &quot;If the U.S. drops out of the climate agreement for European trade policy, this means that American production sites don&#039;t need to abide by the climate goals,&quot; said the Social Democratic candidate, who was speaking at the WDR Europa Forum in Berlin.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6evbt7/martin_schulz_to_trump_dropping_paris_agreement/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~134917 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **trade**^#1 **market**^#2 **U.S.**^#3 **European**^#4 **climate**^#5"


A couple of points.


Here's one way of looking at it. The first years of a 30-year mortgage are mostly interest payments.  Even with a 4% 30-year loan -- I seem to recall seeing rates that low! --  the interest part of your payments for the first five years are double the principal part. You will pay less in interest if you throw extra money at the mortgage.  How much extra? Let's say you have a loan of $100,000 for 30 years at 4.5%.  The monthly payment is $506.69.  After five years, you've paid $8,842.43 toward principal and $21,558.97 toward interest. Let's bump that payment up $200 per month to $706.69.  Now, after five years, you've paid $22,284.24 toward principal and $20,128.56 toward interest.  You've saved yourself from paying $1,430.41 in interest. But if you can swing $706.69, can you swing $752.28?  That's the payment on a fifteen year mortgage at 4.25%.  After five years you'll have paid $26,562.31 on principal and $18,574.49 in interest:  $1,500 less in interest than even paying an extra $200/month on your 30-year. Now, another way of looking at it. If you're getting a 30-year, get one.  Pay only the minimum, and save what you would have paid toward your mortgage to fund a down payment for your next house, since you're planning to get out in 5-7 years.  Rather than try to sell your current house, rent it out.  Rents go up, but your mortgage payment won't.  Fixed-rate mortgages are a great protection against inflation.


The one recent time I've had the extreme displeasure to eat McDonald's, I found the burger to be drenched in a *disgusting* amount of sauce, the fries just tasted like pure salt, and overall I was too disgusted with myself to even finish my meal.


With the growth of phablets and the increasing size of regular smart phones I can see why folks would stop buying tablets. What can you do on the iPad that you couldn't do on a iPhone? Especially if the iPhone 6 grows in size?


You need to know loans are not free; and they are not a way to solve budget issues. If you are having problems with making your income last over your expenses, you do not need to add another expense (in the form of a loan) What you really need to do is create a budget, track and understand your expenses, and then decide if you should focus on raising  your net income level or cutting down expenses. Keep up with your budget.  You can reduce the frequency, but you need to track your spending really for the rest of you life.  It is just a good habit, like personal hygiene. Once you understand your money (via your budget), you can start to save money into an emergency fund that will cover you during the times of zig zags. I say it very plainly as if it is super easy; but it requires will power and the foresight to understand that if you don't manage your money, nobody else will.  Being sane with your money is one of the most important things you can do now to improve your future. IMPROVEMENT NathanL has an excellent first step with budgeting:  Allocate money to be spent for the next month from money made during   the previous month. This will build a cushion into your budget and   alleviate the fear that the OP mentioned


"This is completely disgusting, utterly unethical, deeply objectionable, and yes, it is almost certainly illegal. The Federal Trade Commission has indeed filed suit, halted ads, etc in a number of cases - but these likely only represent a tiny percentage of all cases. This doesn't make what the car dealer's do ok, but don't expect the SWAT team to bust some heads any time soon - which is kind of sad, but let's deal with the details. Let's see what the Federal Trade Commission has to say in their article, Are Car Ads Taking You for a Ride? Deceptive Car Ads Here are some claims that may be deceptive — and   why: Vehicles are available at a specific low price or for a specific   discount What may be missing: The low price is after a downpayment, often   thousands of dollars, plus other fees, like taxes, licensing and   document fees, on approved credit. Other pitches: The discount is only   for a pricey, fully-loaded model; or the reduced price or discount   offered might depend on qualifications like the buyer being a recent   college graduate or having an account at a particular bank. “Only $99/Month” What may be missing: The advertised payments are temporary “teaser”   payments. Payments for the rest of the loan term are much higher. A   variation on this pitch: You will owe a balloon payment — usually   thousands of dollars — at the end of the term. So both of these are what the FTC explicitly says are deceptive practices. Has the FTC taken action in cases similar to this? Yes, they have: “If auto dealers make advertising claims in headlines, they can’t take   them away in fine print,” said Jessica Rich, Director of the FTC’s   Bureau of Consumer Protection. “These actions show there is a   financial cost for violating FTC orders.” In the case referenced above, the owners of a 20+ dealership chain was hit with about $250,000 in fines. If you think that's a tiny portion of the unethical gains they made from those ads in the time they were running, I'd say you were absolutely correct and that's little more than a ""cost of doing business"" for unscrupulous companies. But that's the state of the US nation at this time, and so we are left with ""caveat emptor"" as a guiding principle. What can you do about it? Competitors are technically allowed to file suit for deceptive business practices, so if you know any honest dealers in the area you can tip them off about it (try saying that out loud with a serious face).  But even better, you can contact the FTC and file a formal complaint online. I wouldn't expect the world to change for your complaint, but even if it just generates a letter it may be enough to let a company know someone is watching - and if they are a big business, they might actually get into a little bit of trouble."


This is all answered in the prospectus. The money not yet invested (available/committed to a note but not yet funded) is held in pooled trust account insured by FDIC. Money funded is delivered to the borrower. Lending Club service their notes themselves. Read also my reviews on Lending Club.


With a tax-sheltered account like an IRA, timing is irrelevant with respect to taxes. So enjoy your vacation. When you get back, don't invest in one lump sum -- break up your purchases over a period of weeks if possible. If you are investing in ETFs for your index funds, many brokers have no transaction fee ETF options now.


Facebook has become the biggest rage on social media, and it is the best platform to do business or advertising for any product or service. They would help you in reaching your target markets by sponsoring the particular ad on Facebook and channelizing it towards the target customer so that your time and resources doesn't go waste. There are some Facebook Marketing Packages in India that you can choose from depending upon the need of your company and the product or service that needs to be published on market. http://smocompaniesindia.com/facebook-marketing-plan.html


"Most likely the bank will keep it on file for a few years then turn it over to the state as ""unclaimed property"". I can't speak for all states though."


We went over this literally at the start of our conversation. Our government supports market inefficiency with anti-competitive practices such as subsidies that arbitrarily pick winners and losers, onerous regulations that are too costly for small businesses to comply with, and giving audience to frivolous lawsuits that squash American garage innovation.  The solution to every single one of these problems you've brought up is not to give government more power to do evil, its to give people more power over the government.  > I turned on Wall Street for the same reason everybody else did: The American taxpayer was forced to cut mook deals to bail out guys who didn't deserve it.  > Stephen Bannon  --  > The permanent political class, as represented by both parties … you’re not going to drain that in eight months. You’re not going to drain it in two terms. This is going to take ten, 15, 20 years of relentlessly going after it.  > Stephen Bannon


"This is the best tl;dr I could make, [original](http://www.reuters.com/article/us-usa-trump-cohn/trump-anger-at-cohn-raises-doubts-about-his-white-house-tenure-sources-idUSKCN1BJ06U) reduced by 82%. (I'm a bot) ***** > BOSTON/WASHINGTON - A newly fraying relationship between U.S. President Donald Trump and top White House economic adviser Gary Cohn has raised questions about how long Cohn will stay in his job, say two people with close ties to the White House.  > One source close to the White House said Trump wanted to fire Cohn.  > While the interview was intended to signal that Cohn had no plans to leave the White House and planned to push ahead with his signature project, tax reform, sources said the comments upset Trump.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6yvmft/trump_anger_at_cohn_raises_doubts_about_his_white/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~206512 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*: **Cohn**^#1 **White**^#2 **Trump**^#3 **House**^#4 **source**^#5"


I mean, Amazon currently interviews and pays for people to move from all over the country to Seattle. So I don't really think they'd only be looking to hire people from Michigan. They'll easily be able to recruit from the midwest and mid-atlantic.    Also, they're not going to have 50,000 openings over night. It'll take a while to get to that level. I really think, geographically, Detroit is perfect for Amazon.


Kaspersky probably had to provide the source code of their product to the Russian government, the same way the Chinese government requires Microsoft to provide source code. Then the Russian government could analyze the source code for places to exploit. Or even worse, Kaspersky could simply be colluding with the government. Either way, the software does not belong on U.S. computers. Period.


Oh, I did tons of investigating the candidates before NOT voting.  But I don’t remember everything about all of them, and it has been a year since then.  Since I don’t have a perfect memory, I don’t require others to have a perfect memory.  Why?  Is there a vote coming up that I should know about?


You apparently assume that pouring money into a landlord's pocket is a bad thing. Not necessarily. Whether it makes sense to purchase your own home or to live in a rental property varies based on the market prices and rents of properties. In the long term, real estate prices closely follow inflation. However, in some areas it may be possible that real estate prices have increased by more than inflation in the past, say, 10 years. This may mean that some (stupid) people assume that real estate prices continue to appreciate at this rate in the future. The price of real estates when compared to rents may become unrealistically high so that the rental yield becomes low, and the only reasonable way of obtaining money from real estate investments is price appreciation continuing. No, it will not continue forever. Furthermore, an individual real estate is a very poorly diversified investment. And a very risky investment, too: a mold problem can destroy the entire value of your investment, if you invest in only one property. Real estates are commonly said to be less risky than stocks, but this applies only to large real estate portfolios when compared with large stock portfolios. It is easier to build a large stock portfolio with a small amount of money to invest when compared to building a large real estate portfolio. Thus, I would consider this: how much return are you going to get (by not needing to pay rent, but needing to pay some minor maintenance costs) when purchasing your own home? How much does the home cost? What is the annual return on the investment? Is it larger than smaller when compared to investing the same amount of money in the stock market? As I said, an individual house is a more risky investment than a well-diversified stock portfolio. Thus, if a well-diversified stock portfolio yields 8% annually, I would demand 10% return from an individual house before considering to move my money from stocks to a house.


As observed, there is no answer that will fit all, but below are some considerations: Your monthly requirement is 5000, so you have 3000 left to pay the monthly instalments (EMI). However, if you do pay 3000, you will have no money left for any other activities (holidays etc.) till your EMI is finished Set off a sum, let us say 500-1000, per month (you shall have to decide), for other expenses The rest of the money, in this case 2000-2500, you can pay as monthly EMI If you indicate that your monthly EMI to the bank, they will be able to tell you how much of loan you are eligible for and for how long the EMI would last. This is your benchmark If this loan amount is 750,000 or more, you do not need to put in your own money. So the decision then becomes how fast you want to pay off your loan and as accordingly you shall utilize your 500,000 However, if the EMI will not cover a loan of 750,000 (more likely case), you have options between the following: a. Max out on your loan that 2000-2500 EMI/month (in terms of years as well as amount) can get you and put the rest from 500,000. b. Min your loan in terms of amount and time and put your entire 500,000 c. The middle ground is to balance between the loan and your own money, which is the best approach, there is no figure here that works for all, you have to take the decision based on your circumstances. However, in general, the shorter the loan term (in years) better it is as in aggregate you pay less money to the bank. If you are 1-2 months away from buying the house, one exercise you could do is to keep the EMI money in a separate bank account and see how you fare with the residual cash, this would give you a good reality check. Hope this helps, thanks


Hay que tener enorme complejo para soltar estupideces tan grandes y quedarse tan tranquilo, usted es la prueba viviente de que no existe ninguna superioridad intelectual del blanco sobre ninguna otra raza. Definitivamente que su voto valga igual que el de los demás es uno de las grandes fallos de la democracia.


"Ask yourself the same question for furniture making. Would you feel more comfortable sitting in a chair that you made yourself versus one that you bought from a furniture store?  How about one that you bought from IKEA and assembled? For an experienced, competent furniture maker, you might be able to make an equivalent chair for less money and be highly confident.  For a ""DIY"" builder, you might be less confident but be willing to take more of a risk with the possibility of making a good chair for less money (and gain experience on what not to do next time).   The same applies to investing - if you are highly confident in your own abilities, DIY investing may work better for you.  For the ""general population"", however, relying on experts to do the hard work (and paying a little more for their services) is probably a better option and gives you more confidence. As for the second quote, I'm note sure there's a causality there.  If anything, I think it's the other way around - people who have more money saved for retirement are more likely to use investment advisors."


"It has little to do with money or finance.  It's basic neuroscience.  When we get money, our brains release dopamine (read Your Money and Your Brain), and receiving dividends is ""getting money.""  It feels good, so we're more likely to do it again. What you often see are rationalizations because the above explanation sounds ... irrational, so many people want to make their behavior look more rational.  Ceteris paribus a solid growth stock is as good as a solid company that pays dividends. In value-investing terms, dividend paying stocks may appear to give you an advantage in that you can keep the dividends in cash and buy when the price of the security is low (""underpriced"").  However, as you realize, you could just sell the growth stock at certain prices and the effect would be the same, assuming you're using a free brokerage like Robin Hood. You can easily sell just a portion of the shares periodically to get a   ""stream of cash"" like dividends. That presents no problem whatsoever,   so this cannot be the explanation to why some people think it is   ""smart"" to be a dividend investor. Yes, if you're using a brokerage like Robin Hood (there may be others, but I think this is the only one right now), then you are right on."


In market cap weighted index there is fairly heavy concentration in the largest stocks. The top 10 stocks typically account for about 20% of the S&P 500 index.  In Equal Weight this bias towards large caps is removed. The Market Cap method would be good when large stocks drive the markets. However if the markets are getting driven by Mid Caps and Small caps, the equal weight wins. Historically most big companies start out small and grow big fast in a short span of time. Thus if we were to do Market cap one would have purchased smaller number of shares of the said company as its cap/weight would have been small and when it becomes big we would have purchased the shares at a higher price. However if we were to do equal weight, then as the company grows big one would have more share at a cheaper price and would result in better returns. There is a nice article on this, also gives the comparision of the returns over a period of 10 years, where equal weight index has done good. It does not mean that it would continue. http://www.investopedia.com/articles/exchangetradedfunds/08/index-debate.asp#axzz1RRDCnFre


Take a look at /r/personalfinance and make sure you read the sidebar.  > Questions regarding loans, refinancing, mortgages, credit cards, investing and anything else that may be related to personal finance should be directed towards the subreddit /r/personalfinance. You will receive a probation (temporary ban) for disregarding this rule.


This is why it is vital that you seriously trim down the meeting to the people that _need_ to be there. If they have a voice and an interest, it may be a long meeting or more than one to get it hashed out, but it won't be one where 3/4 of the people involved are just waiting for it to be over.


There is mad hat on this sub because he's a young black man. You should be ashamed. Sure it helps to him in this situation I don't doubt, but there is bias in many situations.  I don't see how this kid is different then any other clothing line pusher. He made a good product, he marketed himself well and he found a good mentor.. sounds like a recipe for success for almost anyone  Good for him, he was very passionate about his bow ties and I hope he goes on to make many more millions and that everyone is rocking bow ties  You are all some salty bastards that need to reflect on your jealousy of this 15 year old boy.


"E) Spend a small amount of that money on getting advice from a paid financial planner. (Not a broker or someone offering you ""free"" advice; their recommendations may be biased toward what makes them the most money).  A good financial planner will talk to you about your plans and expectations both short and long term, and about your risk tolerance (would a drop in value panic you even if you know it's likely to recover and average out in the long run, that sort of thing), and about how much time and effort you want to put into actively managing your portfolio. From those answers, they will generate an initial proposed plan, which will be tested against simulations of the stock market to make sure it holds up. Typically they'll do about 100 passes over the plan to get a sense of its probable risk versus growth-potential versus volatility, and tweak the plan until the normal volatility is within the range you've said you're comfortable with while trying to produce the best return with the least risk. This may not be a perfect plan for you -- but at the very least it will be an excellent starting point until you decide (if you ever do decide) that you've learned enough about investing that you want to do something different with the money. It's likely to be better advice than you'll get here simply because they can and will take the time to understand your specific needs rather than offering generalities because we're trying to write something that applies to many people, all of whom have different goals and time horizons and financial intestinal fortitude. As far as a house goes: Making the mistake of thinking of a house as an investment is a large part of the mindset that caused the Great Recession. Property can be an investment (or a business) or it can be something you're living in; never make the mistake of putting it in both categories at once. The time to buy a house is when you want a house, find a house you like in a neighborhood you like, expect not to move out of it for at least five years, can afford to put at least 20% down payment, and can afford the ongoing costs. Owning your home is not more grown-up, or necessarily financially advantageous even with the tax break, or in any other way required until and unless you will enjoy owning your home. (I bought at age 50ish, because I wanted a place around the corner from some of my best friends, because I wanted better noise isolation from my neighbors, because I wanted a garden, because I wanted to do some things that almost any landlord would object to, and because I'm handy enough that I can do a lot of the routine maintenance myself and enjoy doing it -- buy a house, get a free set of hobbies if you're into that. And part of the reason I could afford this house, and the changes that I've made to it, was that renting had allowed me to put more money into investments. My only regret is that I didn't realise how dumb it was not to max out my 401(k) match  until I'd been with the company for a decade ... that's free money I left on the table.)"


Nope.  I live in an Arizona city that doesn't have *anything* like Seattle's growth.  Arizona raised the minimum wage in November.  Many companies have closed their doors.  Come here and see for yourself.  Others, mostly restaurants, raised their prices.  Traffic dropped off.  You know why?  Because food prices at the supermarket stayed about the same.  Restaurants got more expensive.  The option is to buy food and cook at home.  Which - *fucking obviously* - people are doing.  I'm doing this.  People I talk to are doing this.  You do not need a Ph.D. in economics to figure this one out.  And you can take your left-wing propaganda and shove it up your ass.  If you think you're so correct, then open a business and show everyone how you can do well selling an overpriced product.  Go ahead.  Show us.


Part of the FB IPO hype was that institutions (smart money) got first dibs on the IPO shares while retail (dumb money) gets the leftover scraps.  Everybody and their grandma was therefore scrambling to grab the few remaining precious shares before the price skyrockets.  Of course that's not how it turned out as it seems retail stayed put and institutions had trouble unloading their shares.


China and India (or most other countries) are not really comparable. China's growth is largely due to the governments artificial propping of the economy. Cracks have already started forming and when the bubble truly bursts it will be a hard landing.


It's in your interest to pay down these loans (just like any debt) at an accelerated rate, so long as you prioritize it appropriately and don't jeopardize your financial situation. What are your plans for the $50k? Is it a downpayment on a house? Are you already saving for retirement? At what rate are you saving each year? These are all important questions. There is nothing wrong with using some of the $50k to make a dent in your loans, but overpaying a debt at 6% should not be your first priority. Save for retirement, pay off credit cards, make sure you have an emergency fund of between 6-12 months living expenses (depending on your comfort level as well as how stable you think your job is, and how much you could downsize if need be). Then, tackle extra loan payments. Unfortunately 6% is about what you would expect to get in the market these days, so you can't necessarily make more money investing your remaining cash on hand as compared to putting it towards your loans. And you could always make less. Personally, I would divide the $50k as follows. Insert your own numbers/circumstances :) Of the ~$30k that remains...


"Holy shit its people like you who can't be won over and complain about everything.  ""Costoso pays its employees well"" You: Fuck them, they don't employ enough people!!!    ""Costco reduces pay to hire more employees"" You: Fuck them they're literally Walmart!!!!"


I've often thought that would be a great idea for pensions here in the states, specifically municipal pensions. Like a particular town could invest a small portion of it's money into local businesses and real estate. That would benefit the local economy and incentivize pensioners and workers to patronize those businesses.  Does anyone know if this is done anywhere?


You don't. My budget for the year takes my gross income and nets out tax, spending, etc to account for every dollar.  My assets (and the target of the savings during the year) are a balance sheet item. The sum already there isn't part of each year's budget.


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