"Do you work in this field or something? You sound like a very passionate apologist.   >why shouldn't traders be able to decide (as a group) what the companies are worth?  Because often they purposefully distort value so they can either a) buy low and profit or b) sell high and profit. Why are you so anti-government? I'd rather have people I elected and who are accountable to me determining things instead of private and highly selfish interests who represent only themselves.   > do you really think that intraday (or even intraweek) prices are really representative of what ""the market"" thinks a company is valued at?  If not, why bother with the charade in the first place? What is the point of wild price fluctuations even throughout a single day, if they, as you admit, do not represent value? The whole concept of short term profiting off of these pointless (and often engineered) market movements is silly, and adds nothing to society whatsoever (the original point of the stock market). Further, that money needs to come from somewhere, and that typically is long term investors who want a pension at some point and don't feel like trading at microsecond timeframes because they do something useful instead. Its disgusting.  >compared to the effect of long term buy and holders changing their mind about a company, the effect of any HFT people on the valuation of a stock is practically nothing - like I said, there's just about no evidence of speculators causing significant mispricing over any significant period.  So you're saying just because the aggregate effect is small(ish), no one should worry about it? That is the absolute stupidest thing I have ever heard! If I steel a car every other week, who cares right? Millions of cars are made every year, the effect of me stealing 20 or 30 wont change car markets in any noticeable way...   Further, speculation in commodities (mainly food) has indeed caused enormous mispricing and incaculabe human suffering in the developing world."


If you were NRI during the period you earned the income, its tax free in India and you can bring it back anytime within 7 years. There is a limit on total amount but its quite huge. If you were not an NRI during that period [when you earned in US] then whatever you have earned is taxable even in India, it does not matter whether you keep the funds in US or bring it back to India. You get the benefit of Double Tax and can deduct the tax already paid.


"We spent a few months on Gail's ""jar system"".  It does a really good job of removing impulse buying. The other thing I've found works is to find a way to occupy your time with an inexpensive pastime.  In my case programming, building something out of materials I already have in the garage, reading, and even cleaning, etc., are all low cost ways of passing the time without spending a lot of money.  If you think about it, shopping is just a form of procrastination."


I wish Walmart would drop third party sellers all together. It's a pain when I need an oddball object so it pops up in Google Shopping like 'Oh, Walmart only has this for $4.99', but it turns out to be 3rd party from Jim Bob's Widget Barn and shipping is $17.99.


"> Basically, the whole idea of passive/mindless (""set it and forget it"") gains from investments being the path to ""wealth"" has to go bye-bye -- it was never really ""real"" to begin with (unless you ""timed"" the market just right), and the vast majority of the gains were nominal anyway.  Couldn't have said it much better.  > a lucky generation or two got away with it (sheerly by accident in the timing of their birth, something they really had no input into).  While I agree a majority was luck to be born at the right time, Boomers are to blame (IMHO) for the loss of ""guaranteed retirement."" Pensions were one of the greatest things that came out of the industrialization and unionization of the late 19th-mid 20th century and Boomers allowed government to change regulations that permitted corporations to raid pension funds, monkey around with them, and then cry about them being burdensome after they hollowed them out.  The vast majority of people are not smart enough to save sufficiently for their future and pensions were the safeguard for that. Boomers let that go for higher immediate take home and, now, will be reliant on SSI and meager savings.  > Instead I think one will ALWAYS need to be ""working"" in some manner or another -- actively overseeing ones investments and remaining ""agile"" in response. And of course there is risk involved in that (as if there is really any reason we should expect there NOT to be? Anyone who thinks that way IMO is simply ignorant of the vast scope of human history).  For those of us here, that is feasible. However, most people will not have the interest or ability to manage their own investments. Where does this requirement leave them? Still working and, in doing so, keeping those jobs from opening up for new graduates/new people entering the workforce.  > The best I think one can do is to TRULY diversify (and that does NOT mean ""mutual funds"") -- to separate your eggs into various ""baskets"", holding some major part in solid (as solid as can be) form (even with the possibility of zero return and/or some ""loss"" -- i.e. owning primary housing clear of debt, some PM's in physical form, etc); having other assets in what are fairly solid ""bets"" (based on demographic trends, company quality, etc); and then some things (several small bets) that are ""long shots"" but potentially high-return things (where just one ""win"" can not only offset a dozen non-performers/losers, but gain you a substantial real profit).  I could not agree more. I have done the same thing and used the same argument; even to the point of purchasing a whole life insurance policy. Diversification, in case one or multiple investments tank, is the only way to survive.  I have also decided that, for some of my assets, I am just a DCA/DRIP buy and hold guy of 10-20 diversified stocks from different industries. Leave it up to time and compounding over my own ability to time/pick.  Anyway, I guess that's the whole answer; there is no right answer. Diversification and continued diligence are key.  Good discussing with you. Best of luck."


"If you invest in a foreign bank you are subject to their financial rules and regulations. If you put your money with their CD it will be converted to UAH (grivna) and you will be paid back in UAH, which introduces the exchange rate risk.  FDIC is not the only reason why a CD in a US bank pays a lower interest, but it could be seen as a contributing factor.  It all comes down to risk and what the bank is willing to pay for your money, when a bank issues a CD they are entering the debt market and competing against other banks, governments, or anyone looking for money. If the yield from lending to one bank is the same as the yield of another, the logical choice would be whichever loan is less risky. So in order for the riskier bank to receive loans they must entice investors by offering a greater rate of return. In addition, if a bank isn't looking for loans they might be less inclined to pay for them. - See ""What is the “Bernanke Twist” and “Operation Twist”? What exactly does it do?"" If your looking to invest in the CD's of foreign banks I would suggest doing research on their regulations. Especially if and how your money is protected in the event the bank goes bust."


Try having money automatically deducted from your paycheck and put into a retirement account or savings account.  As long as you don't have a problem with spending more than you have, the easiest way to stop spending money is to have it automatically put somewhere that you can't (or are unlikely to) touch it.


It depends on whether or not you are referring to realized or unrealized gains.  If the asset appreciation is realized, meaning you've sold the asset and actually collected liquidity from it, then Derek_6424246 has provided a good route to follow.   However, if the gains are unrealized, meaning only that the current value of the underlying asset(s) have increased or decreased, then you might want to record this under an Income:Unrealized Gains account.  One of the main distinctions between the two are whether or not you have a taxable event (realized) or just want to better track your net worth at a given time (unrealized).   For example, I generally track my retirement accounts increase in value sans interest, dividends and contributions, as income from an Income:Unrealized Gains account.  I can still reconcile it with my statements, and it shows an accurate picture for my net worth, but the money is not liquid nor taxed and is more for informational purposes than anything.   And no, I don't create an additional Expense account here to track losses.  Just think of Unrealized Gains as an income account where the balance will fluctuate up and down (and potentially even go negative) over time.


Why would you consider Amazon to have an anti-trust issue? Think about monopolies of the past - you didn't go to them because you wanted to, you went to them because you had no other choice....  With Amazon, you can you Google's cloud services or Walmart's ecommerce site, but you don't... Why not? Because Amazon does it the best. You, the consumer, still have a choice.


Seriously?  Now you are going to claim that you are easy going about this whole exchange?  After your page-long diatribes and personal messages?  Sorry, anusface, I'm not buying it and neither is anyone else.  My angle is simple.  I'm sick of douchebags like you ruining the reddit community for the rest of us.


I too was very confused when I tried to be tricky and paid down my balance BEFORE the bill date. I thought this would be a great thing because it would show my utilization near zero percent. The opposite happen, it dropped my credit score from 762 to 708. Here is the best example I can come up with when it comes to utilization. Lets pretend you are an insurance company and you trying to figure out who are the best risk drivers. The people that drive 10% of the day are a better risk than the people that drive 50% of the day. The people that drive 50% of the day are a better risk than the people that drive 90% of the day. Here is the rub when people drive 0%. When you look at the people at 0% they appear to be walking, busing or flying. What they are NOT doing is driving. Since they are not driving (using Credit) they are viewed as POOR drivers since they are not keeping up on their driving skills. (Paying bills, watching how they spend, and managing their debt). So, now before the billing date I pay down my balance to something between 5 to 10% of my utilization. After the bill is issued, I pay it off in FULL. ( I am not going to PAY these crazy interest rates). What shows up on my credit report is a person that is driving his credit between 5 and 10% utilization. It shows I know I how to manage my revolving accounts. I know it's dumb, you would think they reward people that have zero debt, I don't hate banks I hate the game. ( I do love me some reward points =))


"It's likely you don't have to make estimated tax payments if this is your first year of contracting (extra income), and your existing salary is already having taxes withheld. If you look at the 1040-ES: General Rule In most cases, you must pay estimated tax for 2014 if both  of the   following apply. This is easier to understand if you look at the worksheet.  Look at line 14b/14c and the associated instructions.  14b is your required annual payment based on last year's tax.  14c is the lesser of that number and 14a, so 14b is your ""worst case"".  14c is the amount of tax you need to prepay (withholding counts as prepayment). I'm going to apply this to your situation based on my understanding, because it's not easy to parse:"


"Be familiar with and able to verbally run through how to do a discounted cash flow analysis. Additionally be up to date with current financial market(s) trends, both domestically and globally. Know where the U.S bond yields are trading, and where they are going, interest rates too. Apart from that big picture stuff I wouldn't stress too much about technicals because he/she may not even ask about them at all if its more of a ""fit"" interview."


We help our clients to define and implement winning strategies, putting at their disposal multidisciplinary teams and able to advise them in each one of the phases of their projects with coherent services of go public consultant throughout the process from the conception of the strategy to its follow up in the operations , Structures and business models. Our experience, combined with our extensive global network, allows us to offer you the support you need, where you need it and whatever the size of your organization. In this way, we work with you to develop the practical strategies you need.


It depends on your cost structure and knowledge of the exchanges. It could be optimal to make a manual exchange selection so long as it's cheaper to do so. For brokers with trade fees, this is a lost cause because the cost of the trade is already so high that auto routing will be no cheaper than manual routing. For brokers who charge extra to manually route, this could be a good policy if the exchange chosen has very high rebates.  This does not apply to equities because they are so cheap, but there are still a few expensive option exchanges. This all presumes that one's broker shares exchange rebates which nearly all do not. If one has direct access to the exchanges, they are presumably doing this already. To do this effectively, one needs: For anyone trading with brokers without shared rebates or who does not have knowledge of the exchange prices and their liquidities, it's best to auto route.


Why would you even accept 75K in cash? If anything is going to trigger an audit, this will be it. 75K in cash deposited will look like money laundring, so you better have a paper trail ready to prove this is legal or this won't end well.


you can begin drawing retirement income from 401k, ira and roth accounts at any age.  the key is that it must be retirement income. you can't blow it all on an epic party, but you can withdraw a modest amount every year while preserving enough capital to last the rest of your life.  there are 3 common strategies for doing this: side notes: techinical details: roth conversion ladder: substantially equal periodic payment plans:


It means many people will be forced out of the cities into rural areas or in many cases, people who cannot drive (many urban residents) they may have to accept not being able to get around, being dependent, losing pensions because they could not remain living near work, etc.  Its not known what happens to many people, especially older people because social workers lose track of them, since they don't have addresses and are no longer on the voting rolls. A fairly large number of older people who lose affordable housing seem to perhaps die.


Idealy, they would be respectful to everyone.   You can disagree with someone and still be respectful. Hopefully,  they don't have a professor like that, although of course they do exist. When you were talking about wellbeing i thought you were talking more about safety.  Ultimately though learning how to stand up for your self is an important skill which is way more valuable than an easy A anyway. Worse case scenario they have to retake a class.


It's the Uber drivers who will suffer the most from this ban. To work as a driver at Uber, drivers buy cars and they get invested. Most of the drivers finance their cars and this ban prevents them from working and getting cashflows to keep up with their car payments/bills. Uber Technologies itself can survive this ban because it functions in many parts of the world with massive cash reserves it has which are backed by strong Venture funds such as Benchmark. I feel bad for the drivers, not the Uber company


While I agree with your sentiment that trades will be more useful than a university degree now and in the near future (at least in Canada). It worries me that the social mobility for this generation will lean to blue collar jobs.   After a generation this will build a social hierarchy of blue collar labour workers and company/owners. The university degree holders will be weaned out to the sidelines, intellectualism is being sidelined. If this keeps up we're going back to feudalism.


"One easy way to monitor costs in QuickBooks is to establish sub-bank accounts.   For example, you may have an asset account called ""State Bank"" numbered 11100 (asset, cash and cash equivalents, bank). Convert this to a parent account for a middle school by making subaccounts such as At budget formation, transfer $800 from Operations 11110 to Family Fun Committee 11130.  Then write all checks for Family Fun from the Family Fun 11130 subaccount.   For fundraising, transfer $0 at budget formation to the X Grade accounts.  Do deposit all grade-level receipts into the appropriate grade-level subaccounts and write all checks for the grades from the grade-level subaccounts.   The downside to the above is that reconciling the check book each month is slightly more complicated because you will be reconciling one monthly paper bank statement to multiple virtual subaccounts. Also, you must remember to never write a check from the parent ""State Bank"" 11100, and instead write the checks from the appropriate subaccounts."


To answer your question: As far as what's available in addition to your 401(k) at work (most financial types will say to contribute up to the match first), you may qualify for a Roth IRA (qualification is based on income), if not, then you may have to go with a Traditional IRA.  You and your husband can each have one and contribute up to the limit each year.  After that, you could get just a straight up mutual fund, and/or contribute up to limit on your 401(k). My two cents: This may sound counter-intuitive (and I'm sure some folks will disagree), but instead of contributing to your 401(k) now, take whatever that amount is, and use it to pay extra on the car loan.  Also take the extra being paid on the mortgage and pay it on the car loan too.  Once the car loan is paid off, then set aside 15% of your gross income and use that amount to start your retirement investing.   Any additional money beyond this can then go into the mortgage.  Once it's paid off, then you can take the extra you were paying, plus the mortgage and invest that amount into mutual funds. You may want to check out Chris Hogan's Retire Inspired book or podcast as well.


An answer to this question  Can I get a rebate after using my HSA? discusses how to redeposit money accidentally withdrawn. The link to https://www.americafirst.com/about/help/faq/health-savings.cfm in the answer also includes this FAQ: What if I contribute into my HSA more than my yearly limit allows? If nothing is done about this excess contribution then there will be   an excise tax of 6 percent assessed by the IRS. You are able to avoid   this penalty as long as you distribute the excess before the tax   filing deadline including any extensions. Any of our many America   First branches can help you fill out the appropriate paperwork to get   this taken care of so you avoid this tax. contact the institution where the funds are deposited and ask for help reversing the deposit.


Local handymen aren’t hard to find.  Finding the qualified ones might be a bit more difficult.  Of course, anyone who has experience puttering around the house, and is good at it, can call himself a handyman and there’s nothing wrong with that.


Haha, I meant fair enough to his point, which to be clear I don't believe he is achieving.  The article is still poorly argued, I agree with you.  I'm not convinced I'm going to win any arguments about that, though, and kicking the wildly irrational BTC hornets nest on reddit is something I've grown tired of.


"I think the author is misinterpreting Chamaths words by calling it a monopoly hiding in plain sight.   Its hard for me to rationalize the monopoly claim when Amazon has the following companies as direct competitors in each of their verticals:  E commerce: Walmart, Alibaba   Cloud: Microsoft, Google  Consumer Tech: Apple  Content: Netflix   Groceries: Walmart, Safeway, et al.   If Amazon has a monopoly under those circumstances, then there are a shitload of ""monopolies"" that are way worse  There is a difference between dominating your competition and having a monopoly.    Edit: a word"


"seems like a dumb idea to me. Will these people know what to do with $1000? Will they know best how to invest it or will it be squandered on booze, or just plain living expenses? It might be better spent giving it to them with a string such as ""buy a cow or chickens that can produce"" or seed for a patch of land. I expect some will fall in each of the three catagories. Question now is what will be the distribution?"


Yes, why suffer any consequences when future people can be made to suffer them? That's what the thinking boils down to. It's the main factor driving the high rents & house prices now, including indirectly via artificial job creation.


"Wow... where to start...  Your ad hominem attack was when you shifted away from the discussion and started questioning me on whether or not I had been around low-skilled workers and even going as far as to give a judgment on if was around average people. The definition is ""(of an argument or reaction) directed against a person rather than the position they are maintaining."" You went away from the topic, and instead directed your argument at me, which has nothing to do with my position on minimum wage. You seek to discredit me as to say my views are invalid because, in your opinion, I haven't had enough experience with low skill workers. It doesn't matter if I have or hadn't, one's experience or lack thereof with low skilled workers doesn't make their position any more wrong or right. This is a textbook example of ad hominem.  Your straw man was when you shifted the position to suggest things I didn't say in order to argue against them. The definition is ""an intentionally misrepresented proposition that is set up because it is easier to defeat than an opponent's real argument."" You say I assumed things I never even mentioned, such as your claim that I would say rich people didn't earn their success and that poor people were not at fault for their low achievement. Once again, no where did I suggest this and this suggestion by you strayed away from my argument on paying people a live-able wage. Basically one could say this was brought up by you to argue about something you felt would be easier to defeat.  There were clear reasons I threw those fallacies out. You condescendingly tell me I don't know what I'm talking about, yet you don't even get it right and overlook everything that was stated... smh  Your whole response keeps proving my point. Once again, you are so focused on whether I've had experience working with or managing people (nice goal post moving btw), as if that makes your position more qualified (ad hominem again), when the reality is I can have a rational thought about something by reading up on logical and rational positions on this and seeing what the statistics and research say. Oh by the way, I have had multiple economics classes in college, did you? I read up and studied this stuff and aced my tests and papers on it. So now what? Does my collegiate-backed economics understanding now outweigh the fact you just simply hired some low skilled workers?  There are many topics out there you and I have no experience with but we can have a well thought out position on them because we talk to experts and read up on the research. Let me restate this again, just because you have more experience with low skill labor does not make you any more qualified over me to have a smart, logical, and rational understanding of the effects of raising the minimum wage. The same with the fact that just because I probably have had more collegiate studies on economics than you, it doesn't mean my position is any more right than yours or someone else's.  >You read a study that is incredibly biased and take it to the grave.  This gave me a laugh because it's the equivalent of ""your arguments don't agree with mine so clearly your's is the biased one."" Dude, we all are biased and stand for things. You are just as biased as me. I don't have to give equal time to every position out there as if both are equal. It's often a false equivalence to do so anyways. For example the idea that ""we should not raise minimum wage more because poor people are lazy and undeserving"" does not deserve the same consideration as ""inflation has caused the purchasing power of workers on the minimum wage to decrease to levels where they cannot afford to live and thus now must seek out tax-payer backed public assistance programs in order to make ends meet, so a solution would be to raise the minimum wage.""  Last, your argument against raising the minimum wage comes down to ""I don't think they deserve it because some people don't work hard."" And my response is, I don't give a shit. If someone works that job, no matter how low-skilled it is, they deserve to be paid at a level that is live-able. Other than that, it's their fault if they don't do a good job and get fired.  Have you ever considered why the minimum wage came about in the first place? It was to keep businesses in check because they were taking advantage of people and paying them poor wages. Wages were so low that some would argue they were technically ""slave wages."" Yet as inflation rises and the purchasing power falls, instead of bumping those wages back up, people like you sit there and are like ""Nah, they are lazy and don't deserve it. Trust me. I know a guy that's lazy that works those jobs. He's dumb too and doesn't have a high school diploma."" You argument one again is just attacking their character with no consideration of statistical analysis and the economic effect of a change in the minimum wage.   Now to step away from the whole argument, you and I have different values. You don't value people at low-skilled levels, as if their job is almost worthless, yet you need them for your business. Sure, you smile and say hello to the guy that brings you your burger or your coffee, but the reality is you mostly don't care about him. In your mind, if he only makes $7.25 then you have the right to assume that he doesn't work hard and is undeserving of proper pay, unless he's proven it in some way to you. Your mindset is a problem because you are okay with stereotyping people, and then you assume whatever negative traits about them that you can as your justification for it.  *I don't give a shit about how many houses have been built in Houston or how many painters your friend brought to Seattle. It's completely irrelevant to all of this."


Not asking for any societal benefits. Just to pay for the services I need and want and not a penny more. If you can't offer a service I want I reserve the right to shop around without leaving my home. Just asking to pay the exact same price as everyone else without the special pricing for some. I already opted out of most of the services your claiming I use by leaving the cities where those things are offered. But you keep arguing to steal from me for things I don't want and that can be provided by other providers.


With all due respect to The David, the $1000 is best put against 20%+ debt, no sitting in checking as part of some emergency fund.  I'd agree with the decision to pay off the lower rate card. Why? Because we can do the math, and can see the cost in doing so. Low enough that other factors come in, namely, a freed up card. That card can function as the emergency one in the short term. Long term, once these high rate cards are paid off, you'll build your proper emergency fund, but the cost is too high right now.  The $4000 is a nice start, but the most important thing is to get your budget under control. Only you can decide how much you can cut back, and go after this debt as if it were life or death.


You left out the part where I said cities use it as a source of revenue, meaning there are two factors at play. The city limiting the number of medallions drives up their auction price because there's high demand and the cab companies trying to extract enough profit from the medallion to be worth it. The city decides how many medallions to release, just like in NYC they auction off permits for hot dog vendors which are ironically similarly priced. Imagine for a moment they gave vendor licenses to everyone who wanted to open a stand in central park, you wouldn't even be able to see the park.  I wouldn't really say it's fair to call it a stranglehold, more of wringing the last drop out of washcloth because you're dying of thirst.  Personally, I think the medallion model is bullshit. In that sense, I'm all for a *regulated* free market, where supply and demand find an equilibrium within the rules. In reality, you only find the medallion model in large markets which isn't really representative of the taxi industry as a whole.


Looking at this very thing with my work as I am out in CA lately. It really depends on the situation as far as I have read the laws for this, the law on certain breaks and overtimes varies based on being exempt or not and then of course there are exemptions for the exemptions so its not quite an open and shut situation and a judge will need to sort it out due to the high ambiguity of the laws.   Based on my laymen's reading of the laws it appears that your lawyer could tell you that you are in compliance and another one (such as a judge) might disagree entirely.


And how do hours vary as you work you way up in equity research? Is an MD looking at comparable hours during earnings season?   I've worked for the finance and IR departments of a couple telecom companies and around earnings season you guys are always putting out your reports in the middle of the night, so I sort of assumed the worst.


> an NSA contractor stole and downloaded onto his personal computer highly classified details about how the US penetrates foreign computer networks and defends itself against cyberattacks. (The Washington Post reported that the person was not a contractor but an employee working for the NSA's elite hacking division known as Tailored Access Operations)  Compare that against the headline.


Without knowing the company it’s hard to say 100%, but any regulated company in Europe or one floated on a major stock exchange will not renege on paying winnings/ban accounts for no reason. You will have either breached a term of service such as opening multiple accounts (or opening accounts while self excluded/on time out), or exhibited a behaviour that is heavily linked to fraud/other fraudulent accounts. If you are using any UK regulated site/Europe site floated in London, and you believe you are in the right and have not broken any terms and conditions, IBAS is the place to start, and to mention to the company that you are going to IBAS before you do start a case (this is often enough to turn a decision in your favour if it is a marginal case, as it is a large amount of hassle for an operator to become involved with them). If you are using an unregulated site you are out with the wolves and basically any behaviour from them is to be expected and there is very little you can do about it.


I believe the government and the 1% are behaving violently, doing this that promote violence and are operating contrary to the economic interest of the American people.    **The powers that be** are doing more than enough to promote violence without any help from me.  It will be a provocation that some of the 1% will live to regret, while others will not.


Shorting Stocks: Borrowing the shares to sell now. Then buying them back when the price drops.  Risk: If you are wrong the stock can go up. And if there are a lot of people shorting the stock you can get stuck in a short squeeze.  That means that so many people need to buy the stock to return the ones they borrowed that the price goes up even further and faster.  Also whoever you borrowed the stock from will often make the decision to sell for you. Put options. Risk: Put values don't always drop when the underlying price of the stock drops. This is because when the stock drops volatility goes up. And volatility can raise the value of an option. And you need to check each stock for whether or not these options are available. finviz lists whether a stock is optional & shortable or not. And for shorting you also need to find a broker that owns shares that they are willing to lend out.


The other alternative: just invest it in tax-efficient investments. You will have limited tax-deferral options outside of your 401k, but don't let that limit you. You can invest in a variety of ETFs, stocks and mutual funds for growth, and tax-free investments like municipal bonds as you get older and need to draw income.


Borrowing against your retirement is borrowing against your future -- you shouldn't do it expect for the most serious financial crises. The market is down, and 12% is a pretty darn good down payment. You'll hit the threshold where they waive PMI in a few years when you hit 80% LTV, or when you get the house appraised when the market heats up again. Another option is to find a lender that doesn't do PMI. A few local banks and credit unions do this... I managed to find one in my area that doesn't require PMI or escrowed tax/insurance!


In Japan, there's a competition well-lasting since 2004 or so where you can run your own software agent in a virtual market. Market data is updated from the real world everyday. And if your agent proves good, the organizer puts it into the real market. The language is unfortunately limited to Java only to my knowledge. OS is not limited since your agent is supposed to run on the organizer's environment. English might not be well supported on their web site...


"They're taking advantage of float.  Like so many things in the financial world today, this practice is a (strictly legal) fraud. When you make the transaction, the money is available immediately, for reasons that should be intuitively obvious to anyone who's ever used PayPal.  It doesn't take 3 minutes for the broker to get that money, let alone 3 days.  But if they can hold on to that money instead of turning it over to you, they can make money from it for themselves, putting money that rightfully belongs to you to work for them instead, earning interest on short-term loans, money market accounts, etc. The SEC mandates that this money must be turned over to you within 3 days so it should not surprise anyone that that's exactly how long the ""we have to wait for it to clear"" scam runs for.  Even if it doesn't seem like very much money per transaction, for a large brokerage with hundreds of thousands of clients, all the little bits add up very quickly.  This is why they feel no need to compete by offering better service: offering poor service is making them a lot of money that they would lose by offering better service."


"I have a related issue, since I have some income which is large enough to matter and hard to predict. Start with a best guess. Check what tax bracket you were in last year and withhold that percentage of the expected non-withheld income. Adjust upward a bit, if desired, to reflect the fact that you're getting paid more at the new job. Adjust again, either up or down, to reflect whether you were over-withheld or under-withheld last year (whether the IRS owed you a refund or you had to send a check with your return). Repeat that process next year after next tax season, when you see how well your guess worked out. (You could try pre-calculating the entire tax return based on your expected income and then divide any underpayment into per-paycheck additional withholding... but I don't think it's worth the effort.) I don't worry about trying to get this exactly correct. I don't stress about lost interest if I've over-withheld a bit, and as long as your withholding was reasonably close and you have the cash float available to send them a check for the rest when it comes due, the IRS generally doesn't grumble if your withholding was a bit low.  (It would be really nice if the IRS paid us interest on over-withholding, to mirror the fact that they charge us interest if we're late in returning our forms. Oh well.) Despite all the stories, the IRS really is fairly reasonable; if you aren't deliberately trying to get away with something, the process is annoying but shouldn't be scary. The one time they mail-audited me, it was several thousand dollars in my favor; I'd forgotten to claim some investment losses, and their computers noticed the error. Though I still say the motto of the next revolution will be ""No taxation without proper instructions!"""


I keep visiting Dubai Not sure what kind of work it is, assuming it regular job. For the period mentioned above I was out of India for more than 182 days,  If you were out of India for more than 182 days in a given financial year then you would NRI for tax purposes. till date I have not transferred any money from Dubai to my India account. Whether you have transferred the money or not is not relevant for tax purposes. Your status [NRI / Resident] is relevant. Do I need to declare the income I have earned in Dubai? No you are not required to as your status is NRI. You are required to file a return on the income [Salary/Interest/gains/etc] accruing in India. Do I need to change my residential status ? Not sure where you are wanting to change this. Will the income I have earned in Dubai is taxable ? As you are NRI, the income earned outside of India is not taxable in India. From a tax point of view, it does not matter whether you keep the funds in Dubai or transfer it back to India. Edit: The Income Tax rules are not very clear if your wife can claim for her father-in-law. Best consult a CA. For quite a few regulations, Wife's father-in-law are treated at par with father.


In the equity world, if a stock trades at 110 and is going to pay a dividend of 10 in a few days, an option expiring after the ex date would take the dividend into account and would trade as if the stock were trading at 100. (Negative) interest rates may also lead to a similar effect. In the commodity world the cost of carry needs to be taken into account.


Firstly currency prices, like any asset, depend on supply and demand. Meaning how many people want to exchange a currency to another one vs. wanting to buy that currency using another currency. Secondly, it really depends on which country and economy you are talking about. In emerging economies, currencies are very often influenced by the politics of that country. In cases like the US, there are a myriad reasons. The USD is mostly governed by psychology (flight to safety) and asset purchases/sales. In theory, currencies balance, given the inflation of a country and its trade with other countries. e.g. Germany, which was always exporting more than it was importing, had the problem of a rising currency. (Which would make its exports more expensive on foreign markets. This is the balancing act.)


"The reason for selling a stock ""short"", is for when you believe the stock value will decrease in the near future. Here is an example: Today Exxon-Mobile stock is selling for $100 / share. You are expecting the price to decrease, so you want to short the stock, which means your broker (i.e. eTrade, etc) allows you to borrow shares without paying money, and those shares are transferred into your account, and then you sell them and receive money for the sale. But you didn't actually own those shares, you only borrowed them, so you need to return the shares to your broker sometime in the future.  Let's say you borrow 10 shares @ $100, and you sell them at the market price of $100, you receive $1,000 in your account. But you owe your broker 10 shares, which you need to return sometime in the future. A few days later, the share price has decreased to $80. Now you can buy 10 shares from the market at a total cost of $800. You get 10 shares, and return those shares to your broker. Since you originally took in $1,000, and you just paid out $800, you keep a resulting profit of $200"


I have no idea what the traditional accounting way of dealing with this might be; but does your accounts package has the concept of subaccounts within a bank account?  If so, to me it would make sense that when a cheque is written, you move money in the accounts package from the bank account to a subaccount named 'Cheques Written'; then when it is cashed, move money from that subaccount to the supplier.  Then from a reporting perspective, when you want a report that will correspond to your actual bank statement, run a report that includes the subacconut; when you want a report that tells you how much you have available to spend, rune  a report that excludes the subaccount.


">I mean, if this were the mortgage market, you would be arguing to banks ""What the hell made you think this homeowner would keep paying you 6% interest on this money when you're not providing any kind of value twenty years later?""  Small difference: if the homeowner stops, the bank can take the home. If the employer stops, the retiree is left with no choice but to try and sue. Perhaps track down some other people whose payments were cut and sue together.  As you observe, it's the disparity of strength between the parties that makes some people uneasy about this."


It's probably too far gone at this point, and the world has moved on from their business model...that said, here's what I would do.   1.) Sears is going to go back to being a hardware store first and foremost. Craftsman tools used to enjoy a reputation as the premier brand of tools. Made in the U.S., highest quality you could get without spending 40 bucks on a pair of needle-nose pliers, wouldn't break for 3 generations, and if they did, you could take it back to Sears and walk out with a new one, no questions asked. We're going back to that. If nothing else, Sears is where you go for tools. No tools that are not made in the U.S., and nothing that isn't Craftsman unless absolutely necessary.   2.) Second to that is going to be appliances. I'd need a good team of analysts to tell me if it's remotely viable, but I'd like to adapt a little of the Craftsman mentality to appliances. Take your pick of any appliance at Sears, it will be of the highest quality, and if it breaks within X years, we'll have tech at your house in 24 hours to fix it, and you'll never see a bill.   4.) For everything else, we're going full Amazon, + local pickup. Free next day or same day delivery. Order your new wrench set from your phone, pull up to the store on your way home from work, and we'll drop the box in your trunk faster than McDonald's hands you your burgers.   5.) Our retail stores are going to get a complete overhaul. No more dingy shops with checkout computers from the early 90s. No more staff that looks and acts more beaten down than fast food workers. I want people working there who know the store and what it sells, and can at least pretend to be happy to help. Yes, I know I'll have to pay for it, that's fine. This place is supposed to sell the best tools available on a household budget, it shouldn't be a shittier shopping experience than fucking Harbor Freight.


I've always wondered why the USPS was a sponsor of Lance Armstrong, for example.    It's incredibly hard for me to give a shit about the fact that they're in debt (besides the fact that they're government funded so in the end I get screwed regardless) and are getting further into it when I think about their priorities in the past and current.  They've sponsored all sorts of things and been part of campaigns...like movies and other sports...If they are supposed to make enough money to be self sufficient then I'd think at some point someone would have come in and said, 'So hey, we're currently in some serious debt here so perhaps it wouldn't be the best use of the money we get from the government to sponsor shit'.  Companies sponsor things in order (or at least in large part) to gain brand awareness.  It's the effing post office. Everyone knows who they are.  They come to everyone's house almost every day.  Same goes for all the money they spend in their own marketing campaigns...be it print, television etc....  How about tax payers vote on where we think our money is best spent when that money is going to a private company?  At some point you'd think they'd take a hint from companies like FedEx and UPS and spend all that money on making sure their service was on par with them...but they don't.  They just keep taking and taking and reducing services and maintaining shitty customer service etc.


Can you offer an alternative solution?   Sounds like you are not well versed in the reasoning for fiat money. Before trying to pass opinions that you have not formed on your own I would do some research.   So go ahead, I challenge you. What is a better way?


They didn't have a choice. None of the cable companies wanted the TiVo to exist. In the analog days there was nothing they could do to stop it. With digital they were forced to support Cable Cards, but that was a total disaster. Due to foot dragging, terrible capabilities, customer hostile policies, and techs who had no idea what they doing that was a failure.  If a cable company rents you *their* DVR or cable box, they get $5 a month (or whatever). If you buy your own box, they get $5 because they charge the same for a CableCard because they can. If they sold/rented TiVos, they'd have to give more than $0 to TiVo and would make less money.  Plus, if you had a TiVo that meant that you didn't need OnDemand to catch up on the shows you weren't at home to watch, so they couldn't charge you for that. Also, you couldn't access OnDemand even if you wanted to, because CableCards didn't support it.  TiVo was a threat to a sweet deal, so they all tried to kill it. TiVos were so expensive (at first) and so hard to setup (later, due again to the CableCards) that very few people bought them. In the mean time the cable companies half-assed their own DVRs and pushed them on consumers. Now most people don't see why they should pay extra for a TiVo with less ability even though it may well be the superior product.  Plus, there are now services like FIOS and U-Verse that don't support TiVo. They should, but the FCC has dragged on the AllVid proposal that would let consumers actually have a choice in end point hardware.  Some smaller companies offer boxes with TiVo software either as a premium or just turned their business over to TiVo to handle that stuff. That's nice, but Comcast & Time Warner cover the vast majority of the market and may be the only options in most areas. Neither of them offer it. The only reason the small companies offer it is to differentiate themselves from Comcast & TW.


When you book your Kos holiday, you can never miss the fun and adventure for which the place is widely known. Right from sports fishing, shore fishing and deep sea fishing, you will find yourself enthralling in the various options provided to you.


Maybe one of my issues is that I have a 5 year model with a terminal value. The repayment of debt principal is outside this time frame so I don't assume any repayment.   If you're valuing a company share price though you don't model all debt repayments.


"I am not saying it is fair, or that only they get to say ""this sucks"" I am saying that you should not be envious of them.    Also, try to remember that the programs like the one they made use of don't just help that family.  Foreclosures drive down property values.  Sure it sucks to see them basically get rewarded for an. . . . optimistic gamble shall we say. . . but they are not the only ones that benefited.  Their neighbors, some of whom likely are honest people who took a cautious path to home ownership, now will not have their homes decrease in value due to sister.  She gets an unfair reward, but it also helps avoid her neighbors getting unfairly dinged.  Not to mention that it is safer to have homes occupied, and they tend to be less likely to fall into disrepair.       Also,  try to remember that every house that does go back to the bank means one more family of renters.  Banks tend to sit on homes, often for way way longer than they should, leaving that house empty, while the former tenants try to rent.  Pour more renters into the pool while banks sit on unsold vacant homes and landlords can be more picky and charge more for rent.   But in the end. . . .man your rent sucks."


A true story, from a friend's company, one of the largest electronics company in the world.  The company decided that if the difference is less than $25,000, then ignore it. And went on to fire many people in accounting.  Six months later on, one old-timer found many many reports that show less than $25,000 difference.  Do you understand what happened here?


"Gift taxes are paid by the giver, not the ""givee"". You'd have to claim the $500 on your income tax forms, though."


"> Also as a 1099 worker you are still subject to income tax and jail time if not paid.  No shite shirlock.  > That's the part of this you don't fucking get. If I don't give the government my money I get kidnapped and thrown into a fucking cage.  The part that *you* don't get is that it is as it should be. You live in this country. And whether you like it or not, you benefit from the stability, structure, and network that taxes built in this country. *And* you *should* go to jail if you don't pay those taxes.   You are like a little kid, born into a good home, with good parents, and has all his basic needs met but whines about his chores with cries of ""but, I didn't *choose* to be *born*...""  Don't worry.... When you grow up, one day you will grow the balls to leave."


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Are you sure you know the person, this can be a scam. Is this taxable for me. If you are getting money for no reason, it would be treated as Gift to you. If the amount is more than Rs 50,000/- You will have to declare this and pay tax as per your tax brackets. Is there any limit for receiving money from Japan to India from person other than blood relations. There is no such limit.


This is something that will vary from situation to situation. What is the secured debt? What is the interest rate? Does your retirement account have a match? What are your other financial obligations? How much money do you have available after meeting all of your minimum financial obligations. All of these are very important factors in deciding what the best course of action would be.


OK to be upfront, I hate Bankerella too and think that post was quite idiotic of her.  Considering that though, One of the top things any interviewer will/should consider is whether the want to work with the person they are interviewing. In this case, she simply gave the person a pass to the final round, she didn't actually give a job offer and didn't take any slots away from anyone else. The candidate is very likely to be the person working with her if she gets the job so of course she is going to choose a candidate based on personality.


Apparently, if you keep your tires' air filled to the recommended level, your car will burn less gas.   I loved this article at WikiHow, which confirmed what I had heard about air in tires, and had others to suggest, such as removing unnecessary items from inside and on your car (such as bike racks, trailer balls) as they can add to your car's overall weight, causing more drag and using more gas.


This depends on when exactly you want the month back. If you need the money back at the end of 6 months, then option 1 is advisable. It is easy to set-up an Recurring Deposit. If you don't need the money immediately, generally the FD rates are better than RD rates. So creating FD's every month will result in more money. However you would have to ensure that you create this every month, so there is more effort.


I think it's interesting to look at bitcoin not as a get-rich quick scheme, but rather a tool to study socio-economics through looking how areas in developing countries view this type of model (and the entire world at large of course).   The entire crypto-coin scene has a variety of different algorithms which replicate different monetary policies to promote the most value and high functioning societies. *For example: dogecoin was meant as a quick laugh but has now developed into an inflation based coin to encourage high velocity through tipping. This micropayment model and friendly community hope to gain adoption through spreading it far and wide*.   Bitcoin looks at the properties that made gold a useful state-less trade asset and tried to adapt that to the web. It solved traditional problems which made this impossible before without a central party and thus now experiments and studies can be done.   Who knows what happens. Gavin, the chief engineer of the bitcoin core development group says,   > I still say that it's an experiment, and the whole thing could implode.  Coming from the guy who is literally making the edits to the code, I think it's safe to take off the wary of it being used to scam people and instead look at it from a more academic light to see what could be gleaned from bitcoin to improve current institutions.


Mervis Diamond is a family business specializing in diamond rings, other precious gems and designer names like Tacori and Veraggio. With their roots at diamond mines in South Africa, they maintain strong relationships and import all their own diamonds. Mervis has a reputation you can trust.


I don't think that's the only reason. You can buy a big house in Colorado and pay very low taxes compared to other parts of the country. I think family sizes are just going down and people aren't starting families as early in their life as they have historically.


"Sounds like you live in a fantasy land where everyone has infinite do-over lives and market forces are magic panacea.  Clean air and water is a public good that shouldn't be left up to multiple parties upstream or in the region to hash out in a legal system how to remedy problems on a case-by-case basis while individuals have to deal with resulting cancer, brain damage, etc.  We shouldn't leave issues like this to crop up from short-sightedness and cognitive biases of private parties left to their own devices.  There should be regulation of industries that minimize the risk/impact of pollution without being counterproductive by halting the economy altogether.  If the US had been run the way you want, we'd have had prevalence of leaded gasoline, paint, and lead in drinking water for decades more.  And we'd have higher crime rates due to the brain damage caused by lead.  Making all roads private and for-profit creates a profit motive in acquiring lands that are strategically important in transportation, opening up opportunities for monopolies and collusion.  Your proposal will replace a government ""monopoly"" on roads answerable to voters with a private monopolies or cartels that answer to no one because there is no competition.  And this will kill the benefit we have in network effect of public roads.  Law and law enforcement is a matter of trust.  We need to have trust and reasonable expectation of fairness/uniformity in the law enforcement and justice system for individuals and companies to conduct their lives/business.  I am not convinced that a nation with disparate systems with their own private laws and security forces and with no hierarchy somehow achieves that goal."


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"You ask about ""traditional IRA VS taxable (non-retirement) investment account.""  You already know about tax deductible IRAs, which are similar, mostly, to your 401(k). A Traditional IRA can have a non-deducted component. In a sense, it then functions similar to the fully pre-tax IRA as it grows tax free, but then withdrawals are made and taxes paid on the pro-rated not-yet-taxed money.  It also offers the simple conversion to a Roth IRA. For those who have no current IRA with pre-tax money, a conversion will be tax free, for those with an existing pretax IRA, conversions are prorated for tax due, if the account had say $10,000, and $5,000 was post-tax, any conversion will have half taxed at your marginal rate."


>Thank you very much for your reply.  > >I'll look more into the CFA but I have a question - does it require an undergrad degree in finance/accounting to become licensed if you pass? Obviously that's an area that I need to do more research but a great place to start based on your suggestions.   No, you do not need anything but to be in your fourth year or graduate from any undergraduate program. It's a three test process (Level 1/2/3) and it will take you years to become a chartholder. People recommend 4-6 months of study for level one, it is quite difficult. More information on r/CFA, or CFAI's website.  >If I take it in December I'll be 5 months from my masters. In that case it makes more sense to complete the masters because quitting that close to the end really throws a lot away. I know counseling isn't specific to the field, but people skills seem to be the cornerstone of every career.   I don't know enough about counselling to really advise you, nor do I really know about the hiring process or decision criteria. You can ask on wallstreetoasis (WSO)  > I'm more interested in a career that is not as emotionally taxing   Uhhh, I don't know about that, but I really don't know anything about counselling. Can you tell me what a day in the life of a counsellor is like and how you see the career and challenges faced in the industry or by people in your current/future positions?


I would imagine quite the opposite.  Employers can choose the start date and most are quite happy to keep potential recruits waiting until everyone is back from leave.


Just because he wasn't management doesn't mean he didn't maliciously break the law to bypass environmental laws.  They are after management also but will have a hell of a time extraditing VW executives from Germany where they are treated like royalty.   > Robert Liang, 63, knew the German automaker was cheating and worked to cover it up, U.S. District Court Judge Sean Cox said during the sentencing hearing in Detroit.  > He is one of two VW employees to plead guilty, although others charged in the case are in Germany and out of reach.


I'm not sure you can fight trends like that... You either figure out interesting promotions to get people into seats (which they are trying, like sponsoring the csgo ELeague, which does get millennials into their restaurants) or you have to drastically change your business/ value prop, which is inherently difficult.


"Your wife is probably not going to be able to get a policy until all tests are complete and the doctors give her a clean bill of health.   A change in your health could make your premiums 50% to 75% higher than they would be if you applied for a policy in perfect health.  Health history is one of the biggest factor in calculating an LTCi premium.   The average age for purchasing a policy is 59.  Including all rate increases, the average long-term care insurance premium is $1,591 per year, based on my calculations from a 2015 National Association of Insurance Commissioners report with 2014 data. Because of new consumer protections designed to prevent rate increases, policies purchased today do cost more than older policies. In 2015, the average premium for a new policy was $2,532 per year, according to a LIMRA survey of most companies selling long-term care insurance. (Couples can get discounts as high as 30 percent when purchasing policies at the same time.) Do NOT work with just a local insurance agent who sells many different types of insurance.  ONLY work with an insurance agent who specializes in LTC insurance and that represents at least 7 of the top companies.  There are probably a couple of hundred agents in the country that specialize in LTC, are independent agents representing a lot of companies AND have a lot of experience.  Interview at least 3 different agents.  Get quotes from every agent you speak with and ask each of them their opinion about which policy you should get.  Go with the agent who seems the most knowledgeable and professional.  Do NOT buy LTC insurance from a ""financial advisor"".  They are usually limited to offering only a few companies (because of their broker/dealer arrangements) and they rarely understand LTC underwriting.  Do NOT buy LTC insurance from the company you get auto insurance or home insurance with.  And do NOT buy a policy just because your retirement association or alumni association recommends it.  SHOP around.  In your wife's case it would probably be wise to apply to more than one company at the same time in case one of them denies her application.   Here is an article I wrote for NextAvenue.org (a website owned by PBS) which answers some of the most common misconceptions about LTC insurance: An Insurance Agent’s Case for Buying Long-Term Care Insurance."


"In 2005, Apple announced a split on Feb 11... CUPERTINO, California — February 11, 2005 — Apple® announced today that its Board of Directors has approved a two-for-one split of the Company’s common stock and a proportional increase in the number of Apple common shares authorized from 900 million to 1.8 billion. Each shareholder of record at the close of business on February 18, 2005 will receive one additional share for every outstanding share held on the record date, and trading will begin on a split-adjusted basis on February 28, 2005. ...one month after announcing earnings. CUPERTINO, California—January 12, 2005—Apple® today announced financial results for its fiscal 2005 first quarter ended December 25, 2004. For the quarter, the Company posted a net profit of $295 million, or $.70 per diluted share. These results compare to a net profit of $63 million, or $.17 per diluted share, in the year-ago quarter. Revenue for the quarter was $3.49 billion, up 74 percent from the year-ago quarter. Gross margin was 28.5 percent, up from 26.7 percent in the year-ago quarter. International sales accounted for 41 percent of the quarter’s revenue. I wouldn't expect Apple to offer another split, as it's become somewhat fashionable among tech companies to have high stock prices (see GOOG or NFLX or even BRK-A/BRK-B).  Additionally, as a split does nothing to the underlying value of the company, it shouldn't affect your decision to purchase AAPL.  (That said, it may change the perception of a stock as ""cheap"" or ""expensive"" per human psychology). So, to answer your question: companies will usually announce a stock split after releasing their financial results for the preceding fiscal year. Regardless of results, though, splits happen when the board decides it is advantageous to the company to split its stocks."


The company may be real though the returns do have some fine print to note. Pacific Tycoon – Investor Red Alert notes in part: I see that some unscrupulous financial websites are taking money to   send out promotions today for Pacific Tycoon. DO NOT RESPOND. DO NOT   INVEST. You are being treated with utter contempt as a reader of these   sites and should unsubscribe at once. And here is why. While some people may be happy with them, that isn't the same as someone that wants more assurances as to the returns on their money.


FICO is a financial services company, whose customers are financial services companies.  Their products are for the benefit of their customers, not consumers. The purpose of the credit score system is two-fold.  First, the credit score is intended to make it easy for lending institutions (FICO's customers) to assess the risk of loans that they make.  This is probably based on science, although the FICO studies and even the FICO score formula are proprietary secrets. The second purpose of the credit score is to incentivize consumers into borrowing money.  And they have done a great job of that.  If you think you might need a loan in the future, perhaps a mortgage or a car loan, you need a credit score.  And the only way to get a credit score is to start borrowing money now that you don't need.   Yes, someone with a good income and a long history of paying utility bills on time would be a great credit risk for a mortgage.  However, that person will have no credit score, and therefore be declared by FICO as a bad credit risk.  On the other hand, someone with a low income, who struggles, but succeeds, to make the minimum payment on their credit card, would have a better credit score.  The advice offered to the first person is start borrowing money now, even though you don't need it. I'm not anti-credit card.  I use a credit card responsibly, paying it off in full every month.  I use it for the convenience.  I don't worry at all about my credit score, but I've been told it is great.  However, there are some people that cannot use a credit card responsibly.  The temptation is too great.  Perhaps they are like problem gamblers, I don't know.  But FICO and the financial services industry have created a system that makes a credit card a necessity in many ways.  These are the people that get hurt in the current system.


"ok so now I am not sure which defecit we are talking about.  I was talking about the budget defecit.  In reference to that, check out Koo's ""the holy grail of macroeconomics"".  He details during the Japanese recession exactly the effects of stimulus and austerity (they tried both) and how they affected tax revenues and the national debt.  Long story short, stimulus increased revenues which as a net closed the budget defecit, while austerity was so devastating to the economy that it increased the budget defecit (the cuts in spending were smaller than the loss in tax revenue which resulted).   When you say ""years prior of stimilus"" I think you are referring to tax cuts?  I do not think that tax cuts count as ""stimulus"".  Right now I think increasing taxes would force businesses to hire and would be more stimulative than tax cuts.   The current account defecit is a result of free trade and cheap labor overseas."


But I'm not choosing to forgo negotiating on my own. Someone else with ties to the listings is giving special access to my negotiations. Given access I can't get.  I'd rather negotiate on my own, usually adding someone in the middle of a conversation between 2 individuals is bad for everyone.  I'm not being given the option to negotiate on my own, I either take the artificially inflated rate or skip investing all together because I can't get the access that HFT's have, nor can I negotiate around them.


The reddit staff is just being lazy on this one. Google has had to deal with people gaming the search business for years. It's an extremely hard problem to solve but a good company doesn't choose the nuclear option of just banning entire, credible domains. They come up with algorithms to deal with it.  At the very least, if reddit wants to be seen as a beacon of information sharing and democracy, they need to post publicly what it is they're doing. Creating a secret list and keeping it from the public, well, that's kind of like Nixon's version of democracy.


Cap Rate is the yearly return NOT including your mortgage. Everyone will finance the property differently.  From 0% - 100% down. This is why Cap Rate is the best way to compare properties.  Once you include your finance it is then called Cash-On Cash Return (CCR).


I think others have made the key points. Let me just add: As others have pointed out, the traditional IRA is better if your tax rate in retirement is lower than it is when you are building the account. The Roth IRA is better if your tax rate in retirement is higher. For most people, your income in retirement will be lower than your income in most of your working years. On top of that, a significant percentage of your income will come from Social Security, which is generally not taxed, and so the tax rate you pay on the remaining income will be lower still. If you're just starting out, if you're in your 20s, it's likely that your income will go up significantly in the next couple of decades and so you might be making more in retirement that you are now, and so the Roth is probably your better bet. But if you're in your 40s or 50s you are probably making your peak income, you will have much less in retirement, and the traditional IRA is likely better. If your income is well above average and you are saving enough to have a retirement income well above average, then social security may be a very small part of your retirement and my comments on that may not be relevant to you. It's true that tax rates could change in the future. But will they go up or down? It's also possible that the laws about retirement accounts will change. If you think you have some insight into what will happen in the future you may want to take that into account when making plans. But politics is very hard to predict.


Put your money in a  big company automating their workforce and in 20 years you'll see above historical returns year over year.   Interest rates have some short term impact but long term technological improvements will be dramatic.


"Right, but this relies on two things:  1.  ""the economy that is accepting his dollars"" - in situations involving legal tender laws, the participants in the economy have no choice but to use the banker's money.  2.  The Cantillion Effect means the banker can take advantage of low prices before the market reflects the inflation he created from expanding the credit supply.  This is a direct transfer of value away from the rest of the economy and toward the banks."


I'm not too familiar with the Bank of England's objectives, but it seems similar to the FED's QE program. The interest rate the BOE sets, similar to the FED rate, affects mainly the short term (the left side) of the [interest rate curve](http://www.bankofengland.co.uk/statistics/pages/yieldcurve/default.aspx). However, in order to bring down intermediate and long term rates, central banks will buy intermediate and long dated government and corporate bonds. The government's added demand will drive those bond prices up, which will drive yields down.  But like I said, I'm not too familiar with the BOE's bond purchasing program, so I could be way off base here.


I've used Wikinvest before and think that's close to what you're looking for - but in Wiki-style rather than forums.  Otherwise, I agree with CrimsonX that The Motley Fool is a good place to check out.


> Story printed literally as the only thing that can hold on value to the currency..   Japan has huge current account and trade surplus. they have to print money or else Yen will shoot up to the moon.  Japan cannot afford over valued currency.


"You can't get a HELOC, to the best of my knowledge, without actually ""owning"" the house. If you get an 80% mortgage (of the purchase price - not the appraised value, btw), you still need 20% as a down payment. Once you own the home, you can apply for a HELOC ... presuming you have enough equity (eg, the purchase price is $40k less than the appraised value). We haven't looked at the norm, at least where I live, of 5% down for a traditional mortgage and 3.5% for an FHA (which your question touches on). If you can do 5% down, on a $1,000,000 mortgage you need $50,000 on the day of closing. If the home is worth (ie appraises for) $1,250,000, you're getting 20% of the house ""for free"". Presuming the bank(s) will go for it, you could likely then open a HELOC for as much as $250,000 (again, depending on individual lender rules). tl;dr: If you don't have the money ready on the day of signing (via seasoning, if it is a loan/gift, or because you have been saving), you cannot afford the house. To clarify from comments with the OP, I am in no way speaking to the buyer's ability to afford the monthly payments - this is only about affording the initial costs associated with the home buying process (down payment, closing, whatever else the bank(s) require, etc)."


As a non-resident, you need to file a form 1040NR in any year that you have a distribution (withdrawal) from your HSA. From the Instructions for Form 1040NR, Who Must File: You also must file a return if you received HSA, Archer MSA, or Medicare Advantage MSA distributions. You file a form 8889 with your 1040NR, and on that form you report how much money you took out of the HSA and how much of that was used for qualified medical expenses.  If these distributions are used for qualified medical expenses, even in your home country, they are tax free.  Any part of the distribution that is not used for medical expenses is taxable, and you would need to send in a tax payment with your 1040NR. If you just cash out your HSA with no medical expenses, you will pay tax on the amount plus a 20% penalty.  If you have no other U.S. connected income, your tax rate will be based solely on the amount of your distribution (probably 10-15%), so you are looking at a total tax of 30-35%. It may be worth your while to leave the HSA in place and just withdraw it as you have medical expenses.  You'll need to file a tax return each year you take money out until the HSA is gone, but you won't pay any tax.


A/R-A/P are accounting side, doubtful they will need knowledge of SQL. That is more the trading floor/Risk Management sides or people using large volumes of data from my experience.  To be honest 1-2 years of experience is used as a deterrent for people like you, that just graduated. Use any contacts you have at all, and if those are exhausted go and speak to someone. I can assure you that speaking to someone will get you much farther than just submitting an application online.   Good luck and make sure the job is a right fit for you.


Most people pay for the convenience. The convenience of not carrying a water bottle wherever you go. For some people, that's worth $1 per bottle. I know a person who only drinks fiji water and he buys it by the cases and stocks them at home and does not drink anything else. Now that's stupid.


This seems to answer your question: http://www.organicvalley.coop/why-organic/antibiotics/  > If holistic treatments are not effective, as a last resort farmers are encouraged to administer antibiotics rather than allowing an animal to suffer. If antibiotics are used, however, the animal cannot return to organic production - ever.  Also, the USDA guidelines state that an animal that was given antibiotics, for any reason, is no longer organic.


Its really quite simple. The government is not incentivized to avoid and reduce waste. In fact it is incentivized to do the opposite, deluging each and every interest group it can in money, programs, and regulations that conflict and overlap each other, and if you go after it, the associated special interests will come after you.  https://www.scientificamerican.com/article/epa-proposal-cuts-hundreds-of-climate-change-employees/


>> loses from WaPo to reduce his tax bill  > That's not even how taxes work!  Yes it does and I know it very very well.   Explain me why Bezos, a retail and technology guru would waste his time on WaPo, and old-fashion media? Is it to make money? Yes or no?  Of course not! They are losing money.   It's for his personal political agenda.  Not because of proper and unbiased Journalism.


Not illegal. With respect to littleadv response, the printing of a check isn't illegal. I can order checks from cheap check printers, and they have no relationship to any bank, so long as they have my routing number and checking account number, they print.  Years ago (25+) I wrote my account details on a shirt in protest to owing the IRS money, and my bank cashed it. They charged a penalty of some nominal amount, $20 or so for 'non-standard check format' or something like that. But, in fact, stupid young person rants aside, you may write a check out by hand on a piece of paper and it should clear. The missing factor is the magnetic ink. But, I often see a regular check with a strip taped to the bottom when the mag strip fails, proving that bad ink will not prevent a check from clearing.  So long as the person trying to send you the funds isn't going to dispute the transaction (and the check is made out to you, so I suppose they couldn't even do that) this process should be simple. I see little to no risk so long as the image isn't intercepted along the way.


Impaired is impaired.  Too many pot heads act like smoking weed is so harmless that it's ignorant we don't let babies smoke up.  If someone dies and they find THC in their system, pot heads band together and say well he was a reckless driver so weed had nothing to do with it.  If the same thing happens and they were legally drunk, they will say alcohol was the factor....


I don't think that's what it's doing. The commercials have to have the same *average* volume as the shows.  An interesting side effect of this would be that if you have a longer commercial spot, you can have a louder spike in the middle. Want an ad that's twice as loud as the show? Just pay for twice as much ad time!


A service provider that prevents competition by making it illegal to compete. Every other insurance program allows you to opt out. And i wouldnt consider it protection when they stick there dick into everyone elses business. Every gang or mafia claims to protect those it shakes down.  Edit.. Just because you wear a brown shirt doesnt make you a righteous person.


I'm not too sure. you'll need to open up new shops, so real estate, staff, computers, bank accounts, that's not even getting into farming weed. It'll definitely take a bite out of other vices for sure though.


As one of the answers described, its going to depend on many factors and the environment at the time. But there is no sure way to know which strategy is better, if any are at all. I would say over several hundred years the strategies would be equally as profitable. In a free market the longer dated bonds would be priced lower (higher yield) because they are higher risk. And over a long enough time period that higher risk may end up resulting in that bond being worth less, or maybe nothing at all. In a free market, price discovery would factor all this in, and the two strategies would become equal. The same is true for the price during inversion events Having said that, we dont live in a free market. With central bankers monetizing debt in so many countries, sometimes investing in short term bonds, including US treasuries, is a guaranteed way to lose purchasing power, as these yields are below inflation and sometimes even negative.


"Well the People's Trust's IPO prospectus is now (2017-09-08) available for all to read (or there's a smaller ""information leaflet"").  (May need some disclaimers to be clicked to get access).  Both have a ""highlights"" bullet-point list: Coverage here has a comment thread with some responses by the founder attempting to answer the obvious objection that there's other multi-manager trusts on a discount (e.g Alliance Trust on ~ -5.5%), so why would you buy this one on a (very small) premium?  (Update: There's also another recent analysis here.) Personally, I'm thinking the answer to the original question ""How is The People's Trust not just another Investment Trust?"" is pretty much: ""it's just another Investment Trust"" (albeit one with its own particular quirks and goals).  But good luck to them."


>  In these cases the individuals are planning for their future generations  This makes no sense to me. I cannot fathom why somebody would work all their lives, save up millions of dollars, and never use it themselves.


HFT firms are spending millions or billions on network infrastructure and colocation for a reason.  It's arbitrage.  I'll take your word for it that transaction costs are lower today than they were years ago, but HFT front running is happening.  HFT firms are paying for a privileged position in the exchanges that is unavailable to others.  That's not ok.  I don't care how much liquidity they supply or how small the spreads get.  At any rate, *someone* must believe in what IEX is doing because otherwise there would be no volume there.  They're approaching 1% of the market volume after opening a few months ago.  People aren't trading there out of the kindness of their hearts, they are trading there because they believe they are getting ripped off in the other dark pools/exchanges.


"Something I found helpful when I learned this, is to just use Excel to expand the series.   So start with A1 as ""175"", then in A2 put ""=175+(A1*1.004308)"" and paste that same formula down for a few hundred rows.  You'll find your answer on A216.  Most non-math-centric people don't have an intuitive grasp of how exponents (aka ""compounding""... and never mind the natural logarithms this is all derived from) behave; but you can play with the numbers ""unrolled"" in Excel to get a better idea of how they work. That formula is just applying 0.4308% interest every period (row), and adding in a fresh $175."


> The best most funded system in the world would fail if the students resist being taught and sabotage those that do want to learn  I love how education can get away with this attitude.  How many products, if they fail to deliver change, get to blame the consumer?


Worth noting that the state of California decided to go with Chinese over American to build the new Bay Bridge, with the anticipation that it would save about 5% on costs. It was controversial at the time and has contributed to a lot of issues with the bridge in the years since.


First, it's not always the case that ETFs have lower expenses than the equivalent mutual funds.  For example, in the Vanguard family of funds the expense ratio for the ETF version is the same as it is for the Admiral share class in the mutual fund version.  With that in mind, the main advantages of a mutual fund over an equivalent ETF are: From a long-term investor's point of view, the main disadvantage of mutual funds relative to ETFs is the minimum account sizes.  Especially if the fund has multiple share classes (i.e., where better classes get lower expense ratios), you might have to have quite a lot of money invested in the fund in order to get the same expense ratio as the ETF.   There are some other differences that matter to more active investors (e.g., intraday trading, options, etc.), but for a passive investor the ones above are the major ones.  Apart from those mutual funds and ETFs are pretty similar.  Personally, I prefer mutual funds because I'm at a point where the fund minimums aren't really an issue, and I don't want to deal with the more fiddly aspects of ETFs. For investors just starting out the lower minimum investment for an ETF is a big win, as long as you can get commission-free trades (which is what I've assumed above.)


"The answer depends on what is your portfolio's objective.   If you are operating a multi-asset class portfolio (i.e. your portfolio has both bonds and stocks) and are targeting absolute returns, then yes, comparing a stock's beta (or correlation) to a bond benchmark makes sense. What you do with this stock's ""bond beta"" information further depends on what kind of return profile you want your multi-asset class portfolio to have. If you want stocks that appreciate in price when bond prices decline, then of course you want to buy ""negative bond beta"" stocks.  If you are operating a purely relative equity portfolio (i.e. you are benchmarked to the stock market), then comparing the ""bond beta"" is of little use to you.  Hope this helps."


> In other words, the company's operating assets function as a kind of piggy bank whose purpose is to extract profits that are then flushed out to shareholders. This is the sad fate of essentially all mature businesses under the conditions of American financial capitalism and, indeed, Whole Foods' executive team — led by its founder John Mackey — has been under intense pressure recently from an activist hedge fund that bought shares and has been agitating for cost cutting and more payouts.  No shit.  If an investor can't make a return from an increasing stock price (whole foods is flat or worse, trading at 50% of peak before Amazon closed) then then the stock must pay a dividend or nobody wants to hold it because it's a losing asset.


Yes, it can buy back the call, but much before stock hits the $30 mark.   Let us say you got 1$ from selling the call. So the total money in your account is 4$ + 1 $ = 5 $. When stock hits 10$ (your strike), the maintenance margin is 5$. As soon as stock goes past 10, your maintenance margin is violated. So broker will buy back your call (at least IB does that, it does not wait for a margin call). Now if the stock gapped up from 8 to 30,then yes, broker will buy it back at 30, so your account will have a negative balance. Assume the call cost 20$ when stock hit 30, your balance is: 5 - (30-10) = -15. Depending on broker, I suppose they will ask you to bring your account balance back up to positive. If they don't do that, they risk going out of business.


If you withdraw the money, regardless of how small the balance is, the IRS will still insist you pay a 10% penalty when you file your taxes (assuming you're under 59 1/2). Your 401K plan provider might have a policy that allows you to avoid the usual automatic withholding. You should check with them. $600 in additional income isn't likely to move your tax bill much, unless you're really close to a boundary in the tax brackets. Rather than withdrawing the money, you can transfer the 401K to your next 401K, or roll it over to an IRA (plenty of no-fee options around). Once in a traditional IRA, you can convert the money to a Roth IRA. You pay the taxes on the amount, but no 10% penalty. Converting to a Roth has eligibility rules. You should double check with your financial institution before doing it. Edit: You can withdraw without the 10% penalty if you leave your job after age 55 (credit to @JoeTaxpayer for the correction). This IRS Page lists the conditions under which the penalty can be avoided. Edit: The original question has been edited to add more background details. Due to OP's investment preferences, I would also recommend that he simply withdraw the funds, pay the taxes and the $60 penalty and put the $500 or so dollars somewhere else.


It's wrong to think that we can pay people in the public sector fuck all but still get good results.  If offering perks to public employees attracts talent that eventually leads to great public works, great! Hopefully unions can find the right balance of perks and boondogles.


Simply put, that's not allowed.   Outside a retirement fund, they simply do not provide a mechanism to pay that expense ratio separately.  Ergo, any effort to pay that expense ratio would be classified as a new/additional purchase of the fund. You now must deal with  Inside a retirement fund, paying the expense ratio of the fund with cash would be treated as an additional contribution, which may then violate contribution rules (such as going over your contribution limit, or contributing past age 70-1/2).


A well-designed business card can effectively promote your business. Your business card needs to tell people what you and your business is about, instead of only telling people who you are and where to contact you. If you want to business cards gainesville fl, then you can visit our office. We will show you the attractive design of business card. For your business card to be the marketing tool it should be, there are a few things you must take into consideration.


"Most people think gasoline = oil.  A title reading ""US now exports more refined products than it imports"" wouldn't sound as good would it?  There is nothing wrong with my reading comprehension but have a nice day whoever you are.  p.s. your comment history is the creepiest thing I have ever laid eyes on"


"Most comments here seem to be folks who didn't read the article, haven't been to a Taco Bel in awhile, or don't know what fast food ""healthy"" options are. If you go during breakfast, or build a meal in their app in later hours you can make a pretty damn balanced meal.  I'll commonly order a wrap with rice, black beans, guacamole and grilled chicken. I'm not aware of anything near that balanced at mcdonalds, and it would likely be more expensive.  My biggest complaint is that when they debuted their new app there were new coupons every week or so, but after a couple months there's hardly ever new offers, sometimes none at all. :-(  Funny thing, the common offer I get is a discount off something like a $12 purchase...  but no one in the office wants Taco Bell, would rather get a Five Guys burger ""than eat something gross"". It seems Taco Bell has a lot to live down, I think they should advertise their fresco and vegatarian stuff more often and better."


Activist investors can control as little as 2% of a company and still have a large effect on strategy. Since the demand is so low (removal of one account) isn't it a pretty easy choice to just make the shareholders happy?


You buy a 60kwh car you get a 60kwh car not a 60kwh car that after 3 years is a 45kwh car.  Which do you think people would be more upset at.  Which looks worse for electric cars. Elon needs to make electric cars viable to the average consumer. This helps electric cars marketability. Range degredation is a legitimate problem for every electric car and this is the best current way to handle it.


Thanks for helping me gauge my expectations for this project. The more advanced stuff may require an exception then. I guess they are looking to knock off the casual Excel users while making exceptions for the more advanced Corporate Finance/Financial Reporting team. Thanks for your input though, can I ask you what your organization does and what areas you did have success in transitioning to GSuite?


Is there a point after which they legally unable to charge me? No. If you gave a check, then the bank may bounce it as stale after 6 months, but doesn't have to. With debit/credit transactions, they post as they're processed, and some merchants may not sync their terminals or deposit their manual slips often. As the world becomes more and more connected this becomes extremely rare, but still happens. Technically your promise to pay is a contract which never expires, and they can come after you years later to collect.


That is one of the most unfriendly term sheets I've come across in awhile for a seed round.   Preferred shares with dividends (cumulative I'm sure), 60% stake (reduced if paid back). Any talk on participating preferred? Did he set a cap? What is the valuation for buyback to 20%?   For $50K your buddy better hit up every lost long family member before jumping into bed with this asshole.  Angel Funding Updates: http://www.angelresourceinstitute.org/en/Research/Halo-Report/Halo-Report.aspx  If you want an update on venture funding trends: http://www.cooley.com/venture-financing-report-q2-2014


Ignoring the wording of the article, what is the point? Taylor Swift, an establishment musician, doesn't change her successful formula in releasing information. What  exactly would she gain by doing what the author suggested and changed the time of the information release. I would think that an out of the box approach would only draw negative attention. Taylor, you did the right thing.


"That a threat? I'm happy to show you my qualifications..MBA + CFA. You have provided ZERO backup...you keep insisting that I must be in the wrong (plus all those that downvote citing that they are retards and probably garbage men).    You don't like being challenged. You have provided exactly ZERO support for your bold claims citing an immeasurable ""get in touch with current trends"" - which is the equivalent of ""JUST GOOGLE IT IF YOU DON'T BELIEVE"" because you are in fact unable to support your position through objective evidence.   I also believe you are the one that has resorted to name calling...not the other way around.  People get them after they gain experience...which is then what helps them stand out...no where did I ever suggest not to get one, I'm attacking your advice of going right after undergrad and have zero experience.   Wonder what the people over at r/MBA would have to say about it or the countless number of recruiters or the countless number of hiring managers. You are setting this kid up for disappointment."


Government employees earn lots of airline miles if they travel frequently. However they are not allowed to use them for anything other than upgrades for themselves, you can't convert them into private travel vouchers for example. If a Govt employee gets bumped off a flight they can't even keep that money.   Because their fares are pre-negotiated on many city pair routes it will be a certain percentage of a refundable, flexible coach ticket, like 40% cheaper. However the airline miles rack up based on the class of the ticket which means they get a LOT of miles. Most private companies let their employees keep their miles and do whatever they want with them - so most of those people decide to stay in coach and keep them for a family vacation later.


Hey, I was thinking back to that X-Ray you got done at the hospital, that you said was cheaper than 90% of the population. I am wondering if maybe that hospital wasn't one of the many that qualify for DSH reimbursement payments. What could have happened is that they saw that you are uninsured, and made a decision that they would only charge you for the portion that they didn't think Medicare / Medicaid would reimburse. If that happened, it wouldn't even show up on your credit report, as the hospital is the one that would file a credit claim. Likely, if they have to go through this a lot, they wouldn't even waste time filing a credit claim, they would just go after a reimbursement through Medicare / Medicaid. And thus, to you, it would just look like a very small bill, but in reality it would only represent a smaller portion of the true bill.   I would also wonder, if they do a lot of these, if they aren't also one of the hospitals that article I linked to showed was super-inflating the prices of uninsured in the hopes of getting a larger portion reimbursed.


Have you *seen* a Model S? Driven one? The car is beautiful even if it was gas. Once they reach production levels I believe it will sell like no other. And do you think Tesla is lacking demand? They have over 6000 PRE-ORDERS (they require a $5000 deposit, too). If this car was available non-preorder, I know multiple people that would be in the market for one (My father, for example, even said he would trade in his 110g+ AMG Mercedes for one, and he lives in Texas! The big oil state!). Not only that, they have drivetrain deals with Toyota and Daimler (maker of mercedes, etc). Who wouldn't get a Model S when the technology in it is far superior to a 5 series or 911 that's just electric. I don't even think electric is the main selling point, but that it's a vastly superior car (speed, handling, technology) than any others in it's price range. Also, a Boxster over a Model S? Really? And do you really think porsche, BMW or GM can catch up to 10 years of research and development by silicon valley engineers by the time they make the Model S and Model X fully available? Be realistic... developing a completely new kind of car takes many many years of development no matter how much money the company has. Everyone has doubted Tesla from day 1 and here we are ~10 years later and they are actually doing it.


Well I'm a candidate so hopefully not. I see it as becoming like accountancy qualifications in most countries, becoming a mandatory requirement to be considered a professional in asset management. The universities are already making an effort to align their curriculums with the CFA program.


Some of the costs you might incur include:


"As a former debt collector myself, I can tell you that we did occasionally get someone claiming that they weren't who they really were. However, it was pretty obvious who was telling the truth after a while. Above all else, just be calm and polite. Technically, you can also say ""do not call this number again"" and they have to stop calling, but I wouldn't do this right off the bat. Its best if they are convinced that you aren't the guy they're looking for. Calmness and politeness are traits that debtors usually lack, sometimes because they are just normal people overwhelmed with their situation, and sometimes because they are irrational loser (sorry, but its true). Either way, if you are consistently calm and unconcerned about their threats, they will either give up or realize you aren't the guy. Eventually they will stop calling you (or at least I know I would have stopped calling you)."


Honestly, with the hours, it all comes down to wording. While doing your degree, you had group projects right? Especially in micro/macro, marketing etc. That is leading and directing a team to get a finished project (the assignment) or anything you did as an intern. There are tons of resources as to how to properly articulate your hours. Checkout out USAjobs.gov and type in budget analyst, financial analyst and see where it takes you. Look for jobs that are for all US citizens because you won't fall into the other categories.