"was in the same flurry... wasn't that before AWS?  I thought AWS was effectively a result of an AMZN overload (black friday or something) and bezos saying ""buy enough servers so this never happens again"", then realizing that they're sitting on mostly idle servers and saying ""fuck it, let's just resell the unused CPU as cloud computing"".  in that case, it'd take some sort of firesale of tickets away from some cataclysmic event causing 99% of the country to be using their servers at once. And even then the AWS auto-scaling would add more servers and resolve the delays fairly quickly.  no, I don't expect to see amazon.com hitting any performance load issues any time in the foreseeable future."


Dude all of Chicago's finance district recruits out of UIC. No you aren't going to work for a Goldman or a Getco but you will be in a great spot to work at a Chase or a BMO for example. Plus internships should be easy to get here.


"According to Yahoo, AAPL was trading at $113.26 at 1:10 PM on 11/13/15, which is the approximate time of your option quote.  You provided a quote for AAPL at 4:15, and the stock happened to keep going down most of the that afternoon.  To make a sensible comparison, you need to take contemporary prices on both the stock and the option.  The quote on the option also shows the ""price"" being outside of the bid-ask range, which suggests that the option was trading thinly and that the last price occurred sometime earlier in the day.  If you use a price in the bid-ask range ($21.90-$22.30) and use the price of AAPL at the time of the put quote, you'll come up with a price that's much closer to your expectation."


Risks:


It's very, very slowly turning into a shopping area.  But with how strong places like the Cherry Hill area is right now, I don't see it really hitting critical mass.  The only thing special they have going for them is the Bass Pro Shop.  Which is a weird situation by itself considering it can take up to 6 months to get an FID or a new set of pistol permits.  I want to see Cabela's drop a store right in the middle of Cherry Hill, or Bristol, PA and completely destroy Bass Pro Shop.


Yes, but it's *other institutional speculators* they are exploiting, as I made clear in my message. i.e. they prey on the people who prey on the small investors. The man on the street being upset about it is just completely stupid. It does not affect them one iota.  Also, it's worth pointing out that the amount of revenue generated by HFT is absolutely miniscule compared to all other forms of speculation. The return is somewhere around $1 for every $100,000 traded. So, even when a majority of trades in a market are HFT, a very small proportion of the profits are.


I thought that was the purpose of PROTECTIP?  If we continue to be outraged though, eventually the watered down version will have no-teeth.  The problem is, our attention span isn't long enough to maintain this level of outrage.  Ironically I blame TV for this.


"The real question you're asking is how you can work for your business. You cannot. Whether your ""friend"" pays you or not is entirely irrelevant. Claiming your work-related earnings as interest/dividend will make it also a tax fraud, in addition to the immigration violation (i.e.: not only deportation but also potentially jail time)."


Probably means cutting the travel short. A small business owner employing specialist staff needs to identify and plan for this risk.   The plan might be to personally cover for the staff until a replacement is found.   Ideally in this situation the business will be able to support the salary of two staff in the role, even if one is part time or an apprentice/trainee. This is the approach our business takes with key staff.


That's not what he's saying at all.  Basically most of his argument (4 of 6 points) is the connection between bond prices and equity prices. It's not particularly interesting but it definitely doesn't always apply either. If bond yields fall, then so too should equity earnings yields if spreads remain relatively constant, i.e. higher equity prices. Additionally, if bond yields are low, then any future equity growth gets capitalized at a much higher value because discount rates are much lower. Again, not particularly insightful.  The two interesting comments were about oil and cash as a % of assets at financial institutions. Both of these are likely linked to falling or low rates above, because banks can't invest profitably at low rates and hence hold cash and equivalents instead, and oil prices are more likely to fall in a low or falling inflation environment (implied by the low rates or Fed tightening).  Really, I think hes's saying something more obvious but not necessarily trivial, which is if one asset class goes up, so too is another related one.


"Geez man you're cutting it close to the end of the semester to be at the research stage of your project.  I normally frown on posts that say ""LOL DO MY PROJECT FOR ME"" but i know a bit about this subject and want to share.  I'm going to focus mostly on the B2B segment here because that's what I know. Many companies aren't spending as much as they used to on IT products or the staff to support them. They're also looking for ways to be more productive with their budgets. The consumer market is spending a lot less and is demanding products that Dell can't make as much money on.  The big things right now are The cloud, virtualization and miniaturization.  So, right now ""The Cloud"" is the buzzword. Lots of companies are moving their stuff offsite, letting someone else worry about major IT infrastructure. This typically costs the company less in both hardware and personnel costs. Companies still need a onsite presence for critical applications, data and backup but they need a lot less than what was necessary 5 years ago.  Network backbones have grown in scale and many metropolitan areas can now support this type of computing.  You also have virtualization which means you can run multiple ""servers"" on one physical server. What used to take up an entire rack years ago can now be run on a few servers.  This means companies need less of the IT equipment Dell makes in order to grow and expand.  All that means less of a demand for traditional IT equipment (computers and servers) and more of a demand for the proper software.   I see Dell moving more towards personal devices and larger enterprise equipment & servers. Personal devices include tablets, laptops/netbooks, phones, compact PCs. The business side includes high density servers, storage, software and services. The miniaturization of computer hardware along with the cloud will allow users to access their ""desktop"" and programs from anywhere and Dell will be providing products to access the cloud. Servers will have terabytes of memory and a large number of cores. (systems with terabytes of memory already exist but the cost is prohibitive for most companies). These systems will be used to support a business' needs through virtualization or provide users with the cloud. Dell has acquired a few software companies over the years and will most likely acquire more & may offer software for cloud computing, IT management and possibly (probably not) virtualization.  Over the past few years the desktop PC market has been shrinking as netbooks and new devices have been released.  They still have a long way to go but someday they will largely replace the PC in homes and businesses; especially as costs come down.   Also, Dell may see lots more money from government and healthcare in the next few years.  The government may choose to spend even more money than they do now on infrastructure and projects to help get us out of the recession. Those projects will need IT resources.  Same goes for healthcare, as the new healthcare laws go into effect they will need more IT resources to get the job done.  source: me, I've worked in the IT industry for the past 9 years. The majority of our business is with Dell products. If you need more details about me send me message.  Also please don't just copy paste my information.  I'm giving you some ideas. Go look them up, learn about them, research them.  College is about learning and one of the points of this project is to expand your knowledge about a subject.  tl;dr due to new technology, people and companies will be buying less, margins will be thinner, Dell will probably focus on new markets.  edit: after going through some of your posts it seems like you are in the IT industry as well so I'm confused and you may already know most of this information."


From Wikipedia: 'Bezos was one of the first shareholders in Google, when he invested $250,000 in 1998. That $250,000 investment resulted in 3.3 million shares of Google stock worth about $3.1 billion today.'  His wealth may be tied to amazon but he is a savvy investor. Recently, I was watching an early interview he did with Charlie Rose, and I read more about him - which led to reading the Wikipedia article.


"I can't speak for every credit card, but I know two of mine don't have overage fees. The transaction either goes through, or gets denied. Check your card agreement and look for the fee section. One other thing to consider, sometimes when you make an online payment to a credit card, you will notice that the ""Available Balance"" number on the account will increase right away even if the payment is not reflected on your ""Current Balance"". If this is the case, and you are positive that your payment will be successfully posted to the account, I say go for it."


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Tesla is losing money due to crazy capex setting up the Model 3 production line (>$2B).  [Their gross margin for the S and X is ~25%](https://www.forbes.com/sites/greatspeculations/2017/08/03/tesla-beats-estimates-forecasts-attractive-margins-on-model-3/#32c3d21f2d53) and the same is expected for the Model 3.  They have an order backlog of $18B that is still growing.  That doesn't look like a company in trouble.


Not sad but evil. Who am I to assign a dollar value to your life, your hopes, your dreams, your happiness? Who is anyone else?  Maximizing utility or the public good sounds nice, but it’s empty sloganeering similar to “maximizing fairness.” No one measures or even describes how&mdash;for good reason: it can’t be done. Our respective preferences are unique. Feel-good words are just that.


Zuckerberg isn't really one for photo ops like that.  This:  > At the moment, it seems to have been one grand showcase, with executives bringing up whatever issues is most relevant to their business and Trump responding with quips and thank yous, without assurances that there will be change.   Is pretty much what could be expected from a round table event of that size.


Skilled workers *can* drive profits when deployed strategically, but they do precisely nothing on their own. Moreover, in their respective roles, none of them have the business-level perspective of the company in mind. They're too busy doing their own jobs, which is as it should be. Management deploys them to make money. And employees, like any other resource, need to be leveraged up or down as business needs demand.


Robert is right saying that options' prices are affected by implied volatility but is wrong saying that you have to look at the VIX index. For two reasons:  1) the VIX index is for S&P500 options only. If you are trading other options, it is less useful. 2) if you are trading an option that is not at the money, your implied volatility may be very different (and follow a different dynamics) that the VIX index.  So please look at the right implied volatility.  In terms of strategy, I don't think that not doing anything is a good strategy. I accept any point of view but you should consider that option traders should be able to adjust positions depending on market view.  So you are long 1 call, suppose strike 10. Suppose the underlying price at the time of entry was 10 (so the call was at the money). Now it's 9.  1) you still have a bullish view: buy 1 call strike 9 and sell 2 calls strike 10. This way you have a bull call spread with much higher probability of leading to profit. You are limiting your profit potential but you are also reducing the costs and managing the greeks in a proper way (and in line with your expectations).  2) you become bearish: you can sell 1 call strike 9. This way you end up with a bear call spread. Again, you are limiting your profit potential but you are also reducing the costs and managing the greeks in a proper way (and in line with your expectations). 3) you become neutral: buy 1 call strike 8 and sell 2 calls strike 9. This way you end up with a call butterfly. You are almost delta neutral and you can wait until your view becomes clear enough to become directional. At that point you can modify the butterfly to make it directional.  These are just some opportunities you have. There is no reason for you to wait. Options are eroding contracts and you must be fast and adjust the position before time starts eroding your capital at risk.  It's true that buying a call doesn't make you loose more than the premium you paid, but it's better to reduce this premium further with some adjustment. Isn't it?  Hope that helps. :)


"These services and other employee perks are referred to as fringe benefits. An employee ""fringe benefit"" is a form of pay other than money for the   performance of services by employees. Any fringe benefit provided to   an employee is taxable income for that person unless the tax law   specifically excludes it from taxation. One example of taxable fringe benefit is award/prize money (to prevent someone from ""winning"" most of their salary tax-free.) Cash awards are taxable unless given to charity.   Non-cash awards are taxable unless nominal in value or given to   charity. A less intuitive example is clothing. Clothing given to employees that is suitable for street wear   is a taxable fringe benefit. Your example possibly fits under de minims (low-cost) fringe benefits such as low-value birthday or holiday    gifts, event tickets, traditional awards (such as a retirement gift),   other special occasion gifts, and coffee and soft drinks working condition fringe benefits--that is, property and services   provided to an employee so that the employee can perform his or her   job. Note that ""cafeteria plans"" in the source don't refer to cafeteria but allow employee choice between benefit options available."


I get it but I don't see it. Unless you make a processor for food as ubiquitous as the Keurig for coffee, where I'm buying food trays to heat or cook in a healthy/quality-maintained manner with the coffee pods, you're not latching onto the convenience requirement most consumers have in their already established lives.


Btw, BE CAREFUL, you dont get suckered into some Northwestern Mutual job where they sell your family and drop you a day later.  Like I said in my earlier posts, a series 7 is a SELL SIDE cert dude.  This means selling something, investments, insurance, trading, etc.  Know what you are going to get into before you do it.


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"You don't need to use a real stock like GLD.  You can just create a ""stock"" called something like ""1 oz Gold"" and buy and sell them as if they were shares.  It won't auto-update the price like GLD, but that's not a big deal to update manually once a month or so. I prefer to have accurate data that is correct at a particular point in time to having data that is 2-3% off, or that requires entering the ounces as 10x reality.  YMMV. This is very similar to how you track US Savings Bonds in Quicken (and might be described in the help under that topic.)"


>Even though her husband still works...  Ok hold on there. That's not really retiring, your husband still works. You are transitioning to a stay at home mom. And in NYC your $67k annual expenses after that kid comes will balloon big time.  Great job, well done, but don't belittle your husband's work by pretending you both sit at the cafe all day.


Gundlach shared a chart that showed how investors in European “junk” bonds are willing to accept the same no-default return as they are for U.S. Treasury bonds. In other words, the yield on European “junk” bonds is about the same—between 2 percent and 3 percent—as the yield on U.S. Treasuries, even though the risk profile of the two could not be more different.  Sounds like a strong indicator to me. How might this play out in the US?


Dollar cost averaging works if the stuff you're buying goes up within your time horizon.  It won't protect you from losing money if it doesn't. Also consider that the person (or company, or industry) that suggests dollar-cost averaging might want you to start up a regular investment program and put it on auto-pilot, which subsequently increases the chance that you won't give due attention to the fact that you're sending them money every paycheck to buy an investment that make them money regardless of whether you make money or not.


"Farenthold Seems to have a serious problem with women... First it's the ""rape them"" comments which he later walked back and apologized for. Now it's the ""shoot them"" comment which he's in the process of walking back and apologizing for.   Perhaps he should just quit venting about women so specifically."


I can't find the underlying legislation, but a few online resources suggest that if you contact a lender about a payment plan, they should put repayments on hold temporarily: http://www.financial-ombudsman.org.uk/keeps-you-awake/payday-rights.html We don’t think it’s fair if your lender: [...] Doesn’t help you   get on top of things if you ask for help or “breathing space” to sort   things out. https://www.citizensadvice.org.uk/debt-and-money/borrowing-money/types-of-borrowing/loans/payday-loans/payday-loans-reasons-to-complain-about-your-lender/ If you've had problems repaying the loan, you can complain if your payday lender: [...] did not offer to freeze interest and charges if you are able to make payments under a reasonable repayment plan https://www.moneyadviceservice.org.uk/en/articles/problems-paying-back-payday-loans By law, they must: [...] Suspend recovery of the debt for a reasonable period if you’re developing a repayment plan with a debt adviser or on your own I'd start by making an immediate complaint to the lender. Make them aware that you're unable to meet basic living expenses because of the money they took, and ask for them to suspend collection temporarily and for the money to be returned. I would also dispute the charge with your bank on the grounds that it should not have been taken given the circumstances, and ask for them to credit your account while they investigate the dispute. They may not be too keen given it'll leave you overdrawn if they later reject the dispute, but it's worth asking. In parallel with that, contact Citizens Advice and/or the Financial Ombudsman (details in the links) and see if there's anything they can do or suggest.


"Generally, banks will not lend to ""rental"" LLC's, you'll have to cosign the loan personally. So for that matter LLC has no benefit. Paul mentioned the ""due on sale"" clause that is present in most current mortgage contracts and may trigger a call on your mortgage. Talk to your bank about it, in some cases you may be able to convince them that the ownership didn't in fact changed (since the same people are full owners of the LLC), but they may not buy it. If your bank allows it, you can transfer it into LLC and still enjoy the limited liability as an owner, but if not - you can get liability protection via insurance policy. In some cases that may even be cheaper. Talk to your insurance agent. In any case, deciding which (if at all) entity to use is a legal issue. You should talk to an attorney licensed in your State. There may be some tax considerations also, so talk to your tax adviser. In many cases, married couple jointly owning real-estate can skip the general partnership tax returns, but not with LLC."


Is the parent company's common stock public?   If not, then there will be absolutely no pressure from everyone liquidating at the same time. If so, consider the average daily volume of transactions in the parent company's stock.  Is it much greater than the volume your 10k co-workers will have to liquidate?   If so, I wouldn't expect much of an impact from all liquidating at once. Any other situation, you are probably right to be a bit worried about simultaneous liquidation.   If this was my case, I'd probably submit a limit sell order so as to try and pick out a high for the timing of my liquidation, and lower my limit vs fair value as it got closer to the expiration of your ability to hold the parent company stock.


This answer applies only to corporation tax, not income tax.  Different things, income tax is much higher.  12.5% is the low rate for corporation tax.  The standard rate is 25%.  Or if you're Apple 0%.   Like many countries Ireland will only consider you eligible for the low rate of corporation tax if you (your Irish company) can demonstrably prove yourself resident in Ireland.  This is more than just address, and you must be able to evidence that your staff work there, your directors are both European Economic Area citizens and have their board meetings in Ireland, and most importantly that they run the company from Ireland, etc.  If you're a one man corporation, unless you want to live in Ireland, it's not going to work.   Referring to the Irish government's website:  The term 'residence' was not, until recently, defined in law. The   general rule was that companies, whose 'central management and   control' was exercised in the State, were treated as resident here.   This rule or test emerged as a result of judicial decisions set down   in case law. Factors to be taken into account in establishing where   the company's central management and control lie include, for example,   where the important questions of company policy are determined, where   the majority of directors reside, where the negotiation of major   contracts is undertaken and where the company's head office is   located. Long story short:  An Irish incorporated company is not treated as Irish resident for tax   purposes if it is a 'relevant company' ... A Relevant Company is a   company that ... is ultimately controlled by persons resident in the   EU or in a country with which Ireland has concluded a double taxation   treaty


I did the reverse several years ago, moving from NH to MA. You will need to file Form 1-NR/PY for 2017, reporting MA income as a part-year residence. I assume you will need to report the April capital gain on your MA tax return, as you incurred the gain while a MA resident. (I am not a lawyer or tax professional, so I don't want to state anything about this as a fact, but I would be very surprised if moving after you incurred the gain would have any affect on where you report it.)


Also I think everyone forgets that a lot of the time U.S. Bonds are the ONLY place to park money. Where else can someone invest 1.5 trillion? I think between the bond yields and inflation rate, China isn't really making a profit on this investment.  Better to lose a little than a lot I guess. The problem with the U.S. is that they don't use this profitable scheme to pay down debt.


"A 'indexed guaranteed income certificate' (Market Growth GIC) fits the criteria defined in the OP. The ""guaranteed"" part of the name means that, if the market falls, your capital is guaranteed (they cover the loss and return all your capital to you); and the ""index linked"" or ""market growth"" means that instead of the ROI being fixed/determined when you buy the GIC, the ROI depends on (is linked to) the market growth, e.g. an index (so you get a fraction of profit, which you share with the fund manager). The upside is that you can't 'lose' (lose capital). The fund manager doesn't just share the losses with you, they take/cover all the losses. The downside is that you only make a fraction of whatever profit you might make by investing directly in the market (e.g. in an index fund). Another caveat is that you buy a GIC over some fixed term, e.g. you have to give them you money for a year or more, two years."


I speak as a person without kids, but I'll give this a shot anyway, using my memory of the perspective I had when I was a kid.  My advice is, if the kids are young enough to not care much, don't be afraid of the thrift store.  My parents got a bunch of clothes from the thrift store as I was growing up (around elementary school age) and I didn't care at all.  When I got to be older, (middle school age) shopping at Target and K-mart didn't seem bad either.  By the time the kids are old enough to really care beyond, they are probably old enough to get their own part-time jobs and get their own clothing. I however, am probably naive, as I still care little for such things, and judging from popular culture, most care about them a great deal.


Rule of thumb is always BUY, NEVER lease, unless you plan to use it for a business where you can expense the lease payments. Leasing is the biggest scam.  Lease is just a fancy word for renting and the dealerships PRAY that people like us lease. As for new or old, new cars have better warranty but you may get a great deal on a 1-3 year old used car.


Amazon was a terrible addition to town.  They sprouted condo towers and congestion in South Lake Union, then shipped in interns and employees who live in dorms and eat in the company cafeteria during their two waking that they are not at work.  These people don't even take transit.  There is near zero benefit unless you're a landlord downtown and enjoy the increase in rents.


My son worked at our local Applebee's as a waiter while in  college a few years before they closed. The statement that  they microwave food is absolutely true and it comes in prepackaged portions. I agree we should all seek out restaurants where they actually prepare and cook fresh food daily!  The fact that they charge 14.99 for a frozen microwaved pasta dish is unbelievable. My advice to Applebee's; worry about the quality of the food first and hire real chefs instead of trying to line corporate executives pockets with money.


Just so you know, in a small claims court limits are less than $10K so even if you win, you will get just half the money.  Hiring an attorney can be expensive. Never lend money to family or friends unless you don't expect to have it back.  Keep the friendship and the money.


It's been six months. I know it's been a loss, but we pulled our money out before the recession as well because things smelled bad then, too. That proved to be a wise decision. We are also in our 50s, so capital preservation is a big consideration.


It will definitely cut current jobs, but the cost savings on wages will eventually reach the consumer in the form of lower prices, assuming some level of competition exists. The consumers will then have more money to spend on other goods and services, creating demand for new jobs.


> Because those conditions are arbitrarily set over a reality that does not conform to the fantasy with which they were contrived, by government officials that have no accountability to the post office's customers.  > They chose false morality and good feels over reality, and they aren't paying the price. We are.  https://www.afge.org/about-us/  > As a labor union, AFGE is in a unique position because it is not currently afforded the same full scope collective bargaining rights as workers in the private sector. For this reason in addition to negotiating working conditions at the bargaining table, AFGE coordinates a full-scale legislative and political action program to monitor issues that impact the government work force. **When Congress debates funding of vital government programs administered to the public by government workers or tackles employee health care issues, AFGE is on the scene representing its members.**


If I bought 1 percent share of company X, Most countries company X, is treated as a separate legal entity than individual. So max loss is what you have invested. However certain types of companies, generally called partnerships are not separate entities and you have to pay back the said loss. However such companies are not traded on stock exchanges. Is there an age requirements to enter the stock market? Depends on country. Generally a minor can hold an account with a guardian.


Great.  But the policies aren’t targeted at him.  The government isn’t conspiring to build monopolies.  But corporations are definitely conspiring to take advantage of government policies.  How about we force corporations to give back to the country relative to what they get from it?  Or is the idea of responsible corporations just too much to handle?


They're wrong, and it's easy to show that if you pay the same % in taxes then you end up the same either way. If you have an initial investment of 10k, an effective tax rate of 25%, and gains of 10% a year, here are the numbers: You invest 10k into a traditional. After 50 years, you have $1,173,908.  After paying taxes, you end up with $880,431. You invest 10k into a Roth. After paying the taxes, your initial investment is $7500. After 50 years, you have $880,431 - the same you have with the traditional. The advantage from the Roth comes from two things - the assumption that taxes are lower now for you than they will be in the future (a good bet, given that taxes are relatively low in the US) and the ability to have a mix of taxable and non-taxable income to draw from in retirement to lower your effective tax rate (draw down the taxable up to a certain tax bracket then use your non-taxable above that).


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"I've seen this sentiment a lot . Can someone show me the math on how this is a payday loan scam. Surely this was proved with math for you to believe it right? Something like ""Uber pays x amount for these many miles while if you drive y car you should be getting >x for the miles. That only makes sense."


Yeah building keys for the NSA, sending all kinds of telemetry and caching data from my system is really a great feature that is fucking near impossible to disable for the layman and keep disabled as updates turn them back on. Yeah bill makes some great points, but he's not running the show and windows 10 is a load of shit. They even acknowledge that they were too aggressive. Windows had been relegated to a VM where it belongs, and I only turn it on if I absolutely have to.


"Why would you ask ""is the money yours"", when you know it isn't?   When we were young children we were told ""two wrongs don't make a right"". As an adult we know that breaking the law ""to get back at"" someone we perceive as breaking the law is illegal.  In sports and in real life, the retaliator often receives a worse punishment than the initial rule violator.   In the case mentioned, the second part of the ""scam"" would proceed if you participated or not.  The person would go to their bank and indicate a mistaken deposit and have such refunded to their account.  By the correct amount yours would be debited.  Woe to the person that spent this money prior to the debit."


They are extremely different degrees. MBA requires work experience and prepares one to be an MD or high-level manager from a strategy and holistic perspective.  An MSF is generally for undergrads that cannot find jobs right away or want to enhance their skill sets to become technically superior before entering the workforce.  Either degree is worthwhile IYAM.


I'm not going to speak for him but that feels like an ad hominem attack.   Regardless of his bent, there is a growing voice of credible professionals that are eschewing MPT. Behavioral finance has for decades, anyway.  BTW, Leigh is out of the asset mgmt biz and runs Estimize, which is a cool tool to identify others with the special sauce. Just saying.


Darn. It sounds like Whole Foods is a store sent from heaven...  [The Lies that Whole Foods Tells](http://www.realclearscience.com/blog/2014/06/the_lies_that_whole_foods_tells_108701.html)  [Whole Foods sued over false 'all natural' claim on baked goods](http://www.naturalnews.com/045617_all_natural_Whole_Foods_lawsuit.html)  [Whole Foods sued over false advertising of sugar in goods](http://www.foxnews.com/food-drink/2015/07/14/whole-foods-sued-over-false-advertising-sugar-in-goods.html)   [Whole Foods caught in GMO marketing deception](http://www.naturalnews.com/037467_Whole_Foods_marketing_fraud_GMO.html#)  [Organic foods in Aldi are much lower than Whole Foods](http://www.dontwasteyourmoney.com/aldi-vs-whole-foods-stores-organic-options-better-wallet/)  [Is Whole Foods Wholesome?](http://www.slate.com/articles/arts/culturebox/2006/03/is_whole_foods_wholesome.html)


I would have thought that if you are doing it in your own time using your own resources it really has nothing to do with your current employer, so there is really no need at all to keep it from them. By being open and transperant you might even get some business from your work mates.


I found this interesting list https://money.usnews.com/money/blogs/on-retirement/2011/12/05/the-most-tax-friendly-places-to-retire-abroad (mirror): Argentina Belize Colombia Costa Rica Croatia Ecuador France Ireland Italy Malaysia Mexico Panama Philippines Spain Thailand Uruguay One source confirming for Philippines: http://www.investopedia.com/ask/answers/052615/what-are-financial-benefits-retiring-philippines.asp : You are exempt from income taxes on annuities and pensions


I don't know which articles you have read but as far as I know the impact of automation will not be same in every industry. For example, take Education where human interaction is intensive automation is unlikely to displace human roles delivering value but the same cannot be said about manufacturing which on the other extreme is a labor intensive industry. Most industries fall in-between these extremes meaning full automation is impractical.


The bad mortgages were re-sold as investments. The banks had no incentive to make good loans because they were just going to re-sell them anyway.  They even got ratings agencies to rate these investments with their best ratings to sucker other companies into buying them.


i am not against bonuses, provided employees have health care, retirement contributions from the corporation, a living wage and a claw back clause if exec is fired for cause.  The problem is for too many companies the bonus is based on exec's squeezing employees benefits or bought buy the execs using profits to buy back stock to increase stock prices and inflate bonuses based on stock price.


> Europe will never spend such amounts because it's just stupid to do so  Because they know someone will protect them.  I'll guarantee you the thought process in 1947 was a lot different - avoiding losing a war was worth a lot.  People have just forgotten what war is and assume it won't happen again.


That's a bold statement. Lots of people work hard, but traveling constantly, training, having to be a public figure, all are a lot of work that factors into the high salary. Not even mentioning how competitive a loving it is to even make it and maintain a career doing it. You could work two jobs to get by and bust your ass, but I don't think that's necessarily comparable to being one of the top athletes in the world.


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"Often you are right, and the current information is ""priced in"", but I would say in times of market boom like this that the market can definitely overprice. Price is driven by trades/last trade. Someone may be willing to pay X, and do so, making the price now X, but that does not mean it is worth X. You could very well be paying a premium for it's perceived desirability. This is why investors/analysts spend time and energy on valuations, they want to compare the markets current price to what the price theoretically should/would be if it were purely driven by the data, in effect trying to remove sentiment from the equation to gain a more realistic idea of what a company is worth.  Side note adding on that, don't mistake this as saying one should pay a lot of attention to analysts or their price targets, though analysts do have insightful things to say."


You can take the old 401k and convert it to an IRA just about anywhere.  No accountant required.  Borrowing against the IRA/401k is a very stopgap measure, be sure you know what you are getting into.  A distribution from it is a 10% penalty before age 59.5.


I've definitely seen a lot more small businesses pop up where I live (Silicon Valley) as I was growing up. In a busy, urban environment people really do like convenience. And in an age where people dislike the power of huge corporations, a small business is a good f-u to that sort of status quo.  Also the title is a little misleading since it mainly talks about the issues restaurants are suffering from lately. I could see a lot of more people ordering online in this day and setting. And of course, it's a rich-people thing because the food can also be quite pricey.


"If you want a Do-It-Yourself solution, look to a Vanguard account with their total market index funds.   There's a lot of research that's been done recently in the financial independence community.  Basically, there's not many money managers who can outperform the market index (either S&P 500 or a total market index).  Actually, no mutual funds have been identified that outperform the market, after fees, consistently.  So there's not much sense in paying someone to earn you less than a low fee index fund could do.  And some of the numbers show that you can actually lose value on your 401k due to high fees. That's where Vanguard comes in.  They offer some of the lowest fees (if not the lowest) and a selection of index funds that will let you balance your portfolio the way you want.  Whether you want to go 100% total stock market index fund or a balance between total stock market index fund and total bond index fund, or a ""lazy 3 fund portfolio"", Vanguard gives you the tools to do it yourself.  Rebalancing would require about an hour every quarter. (Or time span you declare yourself). jlcollinsnh A Simple Path to Wealth is my favorite blog about financial independence.  Also, Warren Buffet recommended that the trustees for his wife's inheritance when he passes invest her trust in one investment.  Vanguard's S&P500 index fund.  The same fund he chose in a 10 year $1M bet vs. hedge fund managers.  (proceeds go to charity).  That was about 9 years ago.  So far, Buffet's S&P500 is beating the hedge funds.  Investopedia Article"


With near zero marginal cost, and infinite supply, your prices are going to be decided by entry cost, competition, and what the market will bear. Generally speaking, though, there are no accurate models for getting these kinds of optimal prices in advance - your best bet is to test, experiment, and then build a business and market specific model based on what you observe.  Look at the Steam network, as an example. They are in the business of selling 0 marginal cost software (games), in a market with a significant but quickly decreasing entry cost, and with solid competition. Despite being around for years in a mature market, they're still discovering unexpected optimal price points when testing how their customers behave.


Unusual.  Most dealers pay interest on their inventory, so they don't like having so much around so long.  But they dislike taking a loss on a car, so if the market is weak for a few months, they may choose to wait for an upturn rather than cut prices enough to move the cars.


Can you take 2 loans -- an 80% and an 8% loan? Same payments as doing PMI, but the 8% can be paid off in pretty short order and drop payments significantly.


"Sure, Yahoo Finance makes mistakes from time to time.  That's the nature of free data. However, I think the issue here is that yahoo is aggregating several line items into one.  Like maybe reporting cash equivalents plus total investment securities minus loans as ""cash equivalents.""  This aggregation is done by a computer program somewhere and may or may not be appropriate for a particular purpose and firm. For this reason, if you are trying to do top quality research, it's always better to go to the original SEC filings, if you can.  Then you will know for sure which items you are looking at.  The only mistakes will be the ones made by the accountants at the firm in question. If there's a reason you prefer to use yahoo, like if it's easier for your code to scrape, then spend a little time comparing to the SEC filing to ensure you know where the numbers really come from before using it."


I will be graduating this summer and plan in sitting for the CFA in December. My rationale is simple.  An employer has no idea of the quality of education my university provided me.  A CFA is a national certification of competency, one that is universally understood in the financial industry.  So yes, do it!


"The HMRC has a dedicated self-help/learning site that is helpful here: It's important to tell HMRC that you are self-employed as soon as   possible.  If you don't, you may have to pay a penalty.  You don't want to pay more to HMRC than you have to as it is a waste   of your money. Your business has started when you start to advertise or you have a   customer to buy your goods or services.  It is at this point that your business is 'trading'. You cannot   register before you start trading. For example, if you advertise your business in the local newspaper on   15 January but do not get your first customer until 29 March; in this   case, you have been trading since 15 January. You must tell HMRC within six months of the end of the tax year in   which you start self-employment.  You must therefore register by 5 October.  But it's best to register well before this so that you do not forget   to do so. The HMRC also has a YouTube channel with help videos, and ""Am I Trading or Not?"" might be of particular interest to you. Most of the registration is based around the concept of starting to work with the intent to make a profit. By the letter of law and regulations, you should register within six months of the end of the tax year you started to avoid any potential penalty. However note that the situation is different based upon your intent. If you begin making/putting up videos online as a hobby with the hope that you can make something to help you defray the basic costs involved, and the total amount you make is relatively small (say, less than 500 pounds), you will not be classified as ""trading"" and likely have no need to register with HMRC.  As soon as you begin to get in regular payments, maybe a single payment of a significant size, or multiple payments for a similar service/item, you are vastly more likely to need to register. From my reading you would likely be safe to begin putting up videos without registration, but if you begin spending a large portion of your time over an extended period (multiple months) and/or begin getting payments of any notable size then you should likely register with the appropriate services (HMRC, etc). As is the case in both the USA and UK, simple registration is pretty cheap and the costs of little/no income are usually pretty minor.  Also note that the HMRC trading and self-employment regulations are unusual compared to many US laws/institutions, in that you are explicitly permitted to begin doing something and only register later. So if you start doing videos for an entire tax year + 5 months and make nothing significant, you'd seemingly be fine to never register at all."


> Physicists do not disagree about gravity.  Meanwhile, on the subject of Global Warming, there's a physicist for every opinion. I guess we should thus conclude that physics is bullshit...as opposed to 'you can find a paid shill for any opinion', eh?


If you need the money in the short-term, you want to invest in something fairly safe.  These include saving accounts, CDs, and money market funds from someplace like Vanguard.  The last two might give you a slightly better return than the local branch of a national bank.


Contributions are post-tax, so there's no direct tax benefit to choosing a year. I just made a 2010 contribution today, and the institution's form explicitly asks me if I want it on 2010 or 2011.  The primary advantage of backdating like this is being able to contribute 5k more over your lifetime than otherwise possible, under the timing constraints. While there may be a year in the future which you don't contribute the max, contributing now lets you build up earnings tax free. For '10 vs '11, you're probably holding cash so it's not a big deal, but over five years is a long time to hold cash or invest with tax penalty.


nah there are some where its safe to do, but they suffer the same issues as cars.. yeah its all on one track.. seems so simple but you got to deal with shit like objects on the track and trying to stop. They are either way full of people or way full of goods. It sounds good to think its unions but its mostly not. its mostly humans are still needed to brake if the track is broken or something on it or w/e  we can START to do the full auto trains that drive the general service tracks. But its going to be just like trucks and cars and everything else.. while 99% of the time, they on a nice long straight clear track.. once in a while they have to deal with the same shit as cars.. something unexpected in the way.


Yeah thanks. Since we are on an upswing now I'm refinancing to pay everything off faster and taking money out for capital improvements. My guess is everything will be paid off at the end of the next downswing so I have the luxury to hold.


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Using the http://calculators.ato.gov.au/scripts/asp/simpletaxcalc/main.asp calculator and noting all the caveats (Medicare etc) and assuming everything is proportionate you get: You earn: $110,000 less $28,647 tax = $81,353 She earns: $54,000 less $9,097 tax = $44,903 Total net: $126,256 You earn: $88,000 less $20,507 tax = $67,493 She earns: $72,000 less $14,947 tax = $57,053 Total net: $124,546 So, there is about $1,710 in it per annum or $33/week. Long day care will be setting you back $75-185/day so this is pretty small beans. This is all back of the envelope stuff and probably worth paying a few hundred dollars to an accountant to work it all out.


>I like how generous you are with your assumptions and think that everyone else that didn't vote must be against Trump.   It actually just assumes that they dont actively support him, and is an extremely good metric on that count. If you have a better ground truth measurement to proffer im all eyes.


"Usually services like Western Union or MoneyGram only give the recipient the money, not the information about who and when sent it. But you can verify with them directly.  However, for legal/tax reasons, your friend might have to declare that it was a gift, and where it came from. So depending on the country of the destination you might not be able to completely ""hide"" from the recipient, even if the transfer service technically allows that. In any case, when you transfer the money out from the US you'll have to provide your personal identification and information. Since the USA PATRIOT Act, it is impossible to transact ""anonymously"" (not sure if it ever was possible in the US, actually)."


"> It's generally bad for business to piss off your customers.  most people are not living in outrage land and don't give much thought to that kind of thing.   and the general mills thing is fine and expected... they want to push out their competition from the supply chain requirements that would make dropping the ""gmo"" label hard to comply with. It's business honey."


The equation for the payment is  This board does not support Latex (the number formatting code) so the above is an image, the code is M is the payment calculated, n is the number of months or periods to pay off, and i is the rate per period. You can see that with i appearing 3 times in this equation, it's not possible to isolate to the form i=....  so a calculator will 'guess,' and use, say, 10%. It then raises or lowers the rate until the result is within the calculator's tolerance. I've observed that unlike other calculations, when you hit the button to calculate, a noticeable time lag occurs. I hope I haven't read too much into your question, it seemed to me this was what you asked.


The main advantage of commodities to a largely stock and bond portfolio is diversification and the main disadvantages are investment complexity and low long-term returns. Let's start with the advantage.  Major commodities indices and the single commodities tend to be uncorrelated to stocks and bonds and will in general be diversifying especially over short periods.  This relationship can be complex though as Supply can be even more complicated (think weather) so diversification may or may not work in your favor over long periods. However, trading in commodities can be very complex and expensive.  Futures need to be rolled forward to keep an investment going.  You really, really don't want to accidentally take delivery of 40000 pounds of cattle.  Also, you need to properly take into account roll premiums (carry) when choosing the closing date for a future.  This can be made easier by using commodities index ETFs but they can also have issues with rolling and generally have higher fees than stock index ETFs. Most importantly, it is worth understanding that the long-term return from commodities should be by definition (roughly) the inflation rate.  With stocks and bonds you expect to make more than inflation over the long term.  This is why many large institutions talk about commodities in their portfolio they often actually mean either short term tactical/algorithmic trading or long term investments in stocks closely tied to commodities production or processing. The two disadvantages above are why commodities are not recommended for most individual investors.


Generally no. It does not make sense for insurance company to alter terms and if there are such rules it can be subject to misuse.


"Having worked for both a non-profit and a charity, it is my recommendation that you always donate directly to the charity, and not through any form of solicitation.  Most of the telephone calls that you receive are likely from telemarketing companies.  It has been my experience (through exploring them as a means of fundraising) that the charity will likely only see about 10% - 25% of the funds raised in their name!!  I imagine that a number of door to door solicitations are also done by professional fundraisers. WRT sharing of lists, it is likely not the charities that share the lists, but the companies that they hire to solicit for them.  I always ask to be put on their ""do not call"" list To verify that a person collecting at your door is from the charity that they represent, can you pledge a donation, buying time to look into them?  Or write a cheque in the name of the charity if it is known to you?  I doubt that many scammers would go to the trouble of trying to open a bank account in the charity's name. I like YMCbuzz's point about the online donation - I use CanadaHelps.org.  They are very upfront about the small (3%) fee that they charge, and the rest of the money goes to the charity.  I have used them working for a charity, so I can vouch for how much is sent to the charity."


I would recommend you look at Credit Karma and assess your situation. The site is free and will offer a score similar to your FICO score enabling you to best judge when to apply. They advertise, like any web site, and will offer credit card signups, which is how they make money.  Disclaimer - I am a blogger and have written about Credit Karma, but no payment from them. I've actually been out drinking with their marketing team, but that was it. Nice bunch.


Meh... how about telling us how they actually run scams?  What to watch out for?  Some real info.  What's here is, mostly, obvious top level stuff.  What I want is the dirt.  Real details.  Real content.  Come on, give it to us.


"A major danger of keeping ""emergency"" funds in the form of stocks is that many of the scenarios where one would need quick access to the money will also momentarily depress the stock market.  Someone whose emergency funds were in some other form could avoid selling stocks during a momentary downturn, but someone who has no other emergency funds would have no choice but to sell during the downturn (thus losing money as well as making the downturn more significant for everyone else)."


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This is what people don't understand about affirmative action.   People have this misconception that everybody or every company is rated from first to last, and the ones highest on the list get accepted.   In reality, you have a small handful of standouts near the top and a giant grey blob beneath them, and those are often picked based on whim, chance, subjective factors, etc.


Its kind of a dumb question because no one believes that you can earn 8% in the short term in the market, but for arguments sake the math is painfully easy.  Keep in mind I am an engineer not a finance guy. So the first payment will earn you one month at 8%, the second, two.  In effect three months at 8% on 997.  You can do it that way because the payments are equal: 997 * (.08 /12) *3 = earnings ~= 20 So with the second method you pay: 997 * 3 - 20 =  2971


The link you posted was also one sided.  But you see, this is exactly the problem we've been talking about this whole time. Trumps plan flies in the face of entrentched special interests in the government on both sides of the aisle. These are divisive interests that exist solely within the government, absent the will of the people and against the greater good for our country.  These interests and their stakeholders must be excised from power in order for us to MAGA.


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I disagree.  The question is leading, it presumes that backstopping the banks was a cause, not an effect, of poor government funding, which is absolutely insane.  A country cannot be brought down by the financial sector, it's just not possible, not even where the country doesn't have monetary authority.


TL; DR version of my answer: In view of your age and the fact that you have just opened a Roth IRA account with Vanguard, choose the Reinvest Dividend and Capital Gains distributions option. If Vanguard is offering an option of having earnings put into a money market settlement account, it might be that you have opened your Roth IRA account with Vanguard's brokerage firm. Are you doing things like investing your Roth money into CDs or bonds (including zero-coupon or STRIP bonds) or individual stocks? If so, then the money market settlement account (might be VMMXX, the Vanguard Prime Money Market Fund) within the Roth IRA account is where all the money earned as interest on the CDs or bonds, dividends from the stocks, and the proceeds (including any resulting capital gains) from the sales of any of these will go. You can then decide where to invest that money (all within the Roth IRA). Leaving the money in the settlement account for a long time is not a good idea even if you are just accumulating the money so as to be able to buy 100 shares of APPL or GOOG at some time in the future. Put it into a CD in your Roth IRA brokerage account while you wait. If your Roth IRA is invested only in Vanguard's mutual funds and is likely to remain so in the foreseeable future, then you don't really need an account with their brokerage. You can still use a money market settlement fund to transfer money between various mutual fund investments within the Roth IRA account, but it really is adding an extra layer of money movement where it is not really necessary. You can sell one Vanguard mutual fund and invest the proceeds into another Vanguard mutual fund or even into several Vanguard funds without needing to have the funds transit through a money market account.  Vanguard calls such a transaction an Exchange on their site. And, of course, you can just choose to reinvest all the dividends and capital gains distributions made by a mutual fund into the fund itself. Mutual funds allow purchases of fractional shares (down to three or even four decimal places) instead of insisting on integer numbers of shares let alone round lots of 100 shares. All this, of course, within the Roth IRA.


We struck a deal. I sold an asset to some body on june 1 . However he says, he would pay me any time on or before august 1st . This puts me in a dilemma.  What if price goes down by august 1st and i would have to accept lower payment from him.? If price goes up till august 1st, then obviously i make money since ,even though item is sold,price is yet to be fixed between parties. However i know anytime on or before august 1st, i would get paid the price quoted on that particular day. This price could be high in my favor, or low against me. And, this uncertainty is causing me sleepless nights. i went to futures market exchange. My item (sugar,gold,wheat,shares etc..anything). i short sell a futures which just happens to be equivalent to the quantity of my amount i sold to the acquirer of my item. I shorted at $ 100 , with expiry on august 1st. Now fast orward and august 1st comes. price is $ 120 quoted . lets Get paid from the guy who was supposed to pay on or before august 1st. He  pays 120 $. his bad luck, he should have paid us 100 $ on june 1st instead of waiting for august 1st . His judgement of price movement faulted. WE earned 20 $ extra than we expected to earn on june 1st (100$) . However the futures short of 100$ is now 120$ and you must exit your position by purchasing it at back. sell at 100$ and buy at 120$ = loss of 20$ . Thus 20 $ gained from selling item is forwarded to exchange . Thus we had hedged our position on june 1st and exit the hedge by august 1st. i hope this helps


Not sure if you mean that your SO stands to inherit $18 million or has inherited it already.  I would hope that her family already has a team of financial advisors at that point.   The name of the game at that asset level is protection.  You have enough money so you want to keep up with inflation and generate some income.  Most of my firm's clients at that size have at least 50% in tax-free municipal bonds the other half is about 10% in aggressive investments (private equity, aggressive stock managers), and 25% in conservative stock investments, 5% in international investments, and 10% in alternative investments (long/short, GTAA, hedged equity) .  They also tend to have quite a bit of income producing real estate.   Make sure you meet with a financial advisory firm the specializes in high net worth clients.  I work for an independent RIA so I may be biased towards independent and fee-only firms but it seems like the best arrangement.  You pay a percentage of assets under management and get objective investment advice with no commissions.  For $18 mil anything over .50% as an advisory fee is a ripoff.  You all in investment cost should be less than 0.90%.   Also you should look into a high net worth insurance broker.  You current insurance salesman will be in way over his head.    Feel free to PM me with specific questions.  Also, if you want to hire my firm that would be great haha!


As a merchant I can tell you that the only thing the bank gets from me.  Is the total amount and a category for my business.  No detail, not ever.


"Nothing will happen under Republican rule.  They want all the money to go to billionaires that use some of it to fund the Republicans.  Hillary had plans for a number of programs; but the media made sure those never got mentioned above the din of ""what about her emails.""  But I agree about living wages.  Add on publicly funded retraining programs and higher education and you have something.  After all every country with which we compete has free education both professional and technical."


"The simple answer for the so-called 'Rule of X' would be found by: In your case: Update:  If you want an approximation closer to the nominal ""Rule of 72"" value, use this equation that incorporates a better approximation for the natural log. The ""Rule of 72"" fits this for an interest rate of 7.79% for a growth multiple of 2: The rule of 72 comes from by approximating the natural logarithms as such: The 2 is the multiple of growth. The rate r here is not in percent, so to change to percent (say, R) you have to multiply by 100: The number 72 is often used because it is easier to divide evenly than 69.3 and is a better fit approximation for the natural log and common interest rates.  If you need more, you can find all this on Wikipedia: https://en.wikipedia.org/wiki/Rule_of_72#Derivation"


Every country has its own tax code.  Consult a professional in each country regarding income earned in that country. Anything else is speculation.


You're only thinking very short term. Less people means less construction is needed since there's less demand. Less demand for goods means less goods are sold. So smaller profits in the longer term.  Why do you think there are more jobs and opportunity in New York than a place like Kansas?


[I thought you were channeling Michael Scott](https://m.youtube.com/watch?v=K5d5jxJ5vbM)  Bullshit and trolling aside, I honestly think he puts America first. I do not believe in lowering our standard of living to improve that of other countries. He is POTUS, not POTW.


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Let me offer an anecdote to this -  I started helping a woman, widowed, retired, who had been paying $500/yr to get her taxes done. As I mentioned in my comment here, she got a checklist each year and provided the info requested. From where I sat, it seemed a clerk entered the info into tax software.  As part of the transition to me helping her, I asked the prior guy (very nice guy, really) for a quick consult. She took the standard deduction, but also showed a nice annual donation. Didn't take advantage of the QCD, donate directly from an IRA (she was over 70-1/2) to save on the tax of this sum. That could have saved her $500.  She was in the 15% bracket, with some room left for a Roth conversion. Converting just enough to 'fill' that bracket each year seemed a decent strategy as it would avoid the 25% rate as her RMDs rose each year and would push her to 25%. To both items the guy suggested that this was not his area, he was not a financial planner. Yes, I understand different expertise. With how simple her return was, I didn't understand the value he added.  If you go with a professional, be sure you have an understanding of what he will and won't do for you.


These new block chain coins with their smart contracts seem to be heading in that direction but I'd like someone to walk me through how two or more people with varying amounts of contributions to the organization can keep it all organized.  One partner contributes money while the other contributes time and assets. How do you determine a value of each persons contribution?  Do you convert each persons contributions to shares or coins?


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The stockholders of company A vote to approve or disapprove the buy out. That is the only control you have on the price: Vote to approve or disapprove.  If the deal is approved then you get the money, or stock in B, or both, in accordance with the terms of the deal. It will arrive into your account automatically.


"To some extent, I suppose, most people are okay with paying Some taxes. But, as they teach in Intro to Economics, ""Decisions are made on the margin"". Few are honestly expecting to get away with paying no taxes at all. They are instead concerned about how much they spend on taxes, and how effectively. The classic defense of taxes says ""Roads and national defense and education and fire safety are all important."" This is not really the problem that people have with taxes. People have problems with gigantic ongoing infrastructure boondoggles that cost many times what they were projected to cost (a la Boston's Big Dig) while the city streets aren't properly paved. People don't have big problems with a city-run garbage service; they have problems with the garbagemen who get six-figure salaries plus a guaranteed union-protected job for life and a defined-benefit pension plan which they don't contribute a penny to (and likewise for their health plans). People don't have a big problem with paying for schools; they have a big problem with paying more than twice the national average for schools and still ending up with miserable schools (New Jersey). People have a problem when the government issues bonds, invests the money in the stock market for the public employee pension plan, projects a 10% annual return, contractually guarantees it to the employees, and then puts the taxpayers on the hook when the Dow ends up at 11,000 instead of ~25,000 (California). And people have a problem with the attitude that when they don't pay taxes they're basically stealing that money, or that tax cuts are morally equivalent to a handout, and the insinuation that they're terrible people for trying to keep some of their money from the government."


It's more about ending the policy of perpetually low interest rates, which makes borrowing/debt artificially cheap for the private sector. Higher interest rates will encourage savings and thus a rebuilding of capital for wealth generation. The effects would not be immediate but would have a better end result.  Federal savings could help the economy too if taxes were lowered correspondingly. Or even if taxes weren't lowered and the government didn't borrow as much from the fed, the money supply would increase less and prices would be lower than they otherwise would, increasing the purchasing power and therefore the wealth of the citizenry.


The simple answer is that you are correct. You should not purchase a house until you are financially stable enough to do so. A house is an asset that you must maintain, and it can be expensive to do so.  Over the long term, you will generally save money by purchasing. However, in any given year you may spend much more money than a similar rental situation - even if the rent is higher than your mortgage payment. If you are financially stable with good cash savings or investments plus a 20% down payment, then anytime is a good time to buy if that is part of your financial plan. As of now in 2016, is is safe to assume that mortgage rates   would/should not get back to 10%?   Does this mean that one should always buy a house ONLy when mortgage   rates are low? Is it worth the wait IF the rates are high right now? The mortgage rates are not the primary driver for your purchase decision. That might be like saying you should buy everything on sale at Target... because it's on sale. Don't speculate on future rates. Also, keep in mind that back when rates were high, banks were also giving much better savings/CD rates. That is all connected.  Is refinancing an option on the table, if I made a deal at a bad time   when rates are high? You need to make sure you get a loan that allows it. Always do a break-even analysis, looking at the money up-front you spend to refi vs the savings-per-year you will get. This should give you how many years until the refi pays for itself. If you don't plan on being in the house that long, don't do it. How can people afford 10% mortgage? Buying a house they can afford, taking into consideration the entire payment+interest. It should be a reasonable amount of your monthly income - generally 25% or less. Note that this is much less than you will be 'approved' for by most lenders.  Don't let good rates suck you into a deal you will regret. Make sure you have the margin to purchase and maintain a home. Consider where you want to be living in 5 years. Don't leave so little financial breathing room that any bump will place you at risk of foreclosure.  That said, home ownership is great! I highly recommend it.


If you are planning to get new cards, it is probably best to open the accounts as soon as possible to start establishing a history of good credit use. You might also wish to open multiple accounts so that future lines will have less of an impact on your average age of open credit lines. Since you will probably have higher interest rates it is also advisable never to carry a balance on any of your newly acquired cards. This will prevent a recurrence of the problems you are now trying to recover from.


Without reading the source, from your description it seems that the author believes that this particular company was undervalued in the marketplace. It seems that investors were blinded by a small dividend, without considering the actual value of the company they were owners of. Remember that a shareholder has the right to their proportion of the company's net value, and that amount will be distributed both (a) in the form of dividends and (b) on liquidation of the company.  Theoretically, EPS is an indication of how much value an investor's single share has increased by in the year [of course this is not accurate, because accounting income does not directly correlate with company value increase, but it is a good indicator]. This means in this example that each share had a return of $10, of which the investors only received $1. The remainder sat in the company for further investment. Considering that liquidation may never happen, particularly within the time-frame that a particular investor wants to hold a share, some investors may undervalue share return that does not come in the form of a dividend. This may or may not be legitimate, because if the company reinvests its profits in poorer performing projects, the investors would have been better off getting the dividend immediately. However some value does need to be given to the non-dividend ownership of the company. It seems the author believes that investors failing to consider value of the non-dividend part of the corporation's shares in question led to an undervaluation of the company's shares in the market.


Iamthewalrus is saying that longer commercials can just have longer quiet periods to bring down the average of your loud parts. Short commercials can't do this. I think the point is average is an imperfect measure because it doesn't capture the really loud parts.   The main standard for normalizing the volume of music, ReplayGain, uses the 95th percentile of loudness - in other words, it looks at some of the loudest parts of a song/commercial to decide how loud it sounds to us. Empirical testing shows that we do indeed perceive loudness like this.  More information:  http://wiki.hydrogenaudio.org/index.php?title=ReplayGain_specification#Statistical_processing


I would recommend reading Intelligent Investor first. It was written slightly more recently (1949) than Security Analysis (1934). More important is that a recently revised edition* of Intelligent Investor was published. The preface and appendix were written by Warren Buffett. Intelligent Investor is more practical as an introduction for a novice. You may decide not to read Security Analysis at all, as it seems more like an academic text or professional's guide i.e. for accounting. Benjamin Graham's Intelligent Investor remains relevant. It is used, successfully, as a guide for value investing, despite the hysteria of market sentiment and day-to-day variations, even extreme volatility. For example, I just read a nice article about applying the value investing principles extolled in Intelligent Investor a few weeks ago. It was written in the context of current markets, which is amazing, to be so applicable, despite the passage of decades. For reference, you might want to glance at this book review (published in March 2010!) of the original 1934 edition of Security Analysis.     * The URL links to a one-paragraph summary by U.S. News & World Report. It does not link to a book sales website!


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"And to answer your other questions about fees, there are a number of sites that compare brokers' fees, Google ""broker fee comparison"". I like the Motley Fool, although there are a lot of others. However, don't go just by the comparison sites, because they can be out-of-date and usually just have the basic fees. Once you find a broker that you like, go to that broker's site and get all the fees as of now. You can't sell the shares that are in your Charles Schwab account using some other broker. However, you can (possibly now, definitely eventually, see below) transfer the shares to another broker and then sell them there. But be aware that Charles Schwab might charge you a fee to transfer the shares out, which will probably be larger than the fee they'll charge you to sell the shares, unless you're selling them a few at a time. For example, I have a Charles Schwab account through my previous employer and it's $9.99 commission to sell shares, but $50 to transfer them out. Note that your fees might be different even though we're both at Charles Schwab, because employers can negotiate individual deals. There should be somewhere on the site that has a fee schedule, but if you can't find it, send them a message or call them. One final thing to be aware of, shares you get from an employer often have restrictions on sale or transfer, or negative tax consequences on sale or transfer, that shares just bought on the open market wouldn't, so make sure you investigate that before doing anything with the shares."


Interesting. In the past I've preferred Lyft because of the tipping option, which Uber only added recently. The reason was that tipping helped to prevent exploitation of the drivers. If you calculate their earnings after their expenses (including vehicle depreciation), you would see how little they make.


"Gosh this certainly won't drive piracy underground in some modern day version of an alcohol prohibition where bars were shut down. Perhaps this will be marvelously successful and nobody will ever pirate again. Certainly shutting down websites that are blindingly visible won't drive pirates to more creative and closer ties to the very organizations that are ACTUALLY committing physical crimes in what I will term ""realspace"". (see what I did there? realspace? reelspace? HEYYYOOOO!!)"


Yes, there is a delay between when you buy a stock and when you actually take ownership of it.  This is called the settlement period. The settlement period for US equities is T+2 (other markets have different settlement periods), meaning you don't actually become a shareholder of record until 2 business days after you buy.  Conversely, you don't stop being a shareholder of record until 2 business days after you sell. Presumably at some point in the (far) future all public markets will move to same-day changes of ownership, at which point companies will stop making announcements of the form all shareholders of record as of September 22nd and will switch to announcements of the form all shareholders of record as of September 22nd at 13:00 UTC


The truth?  Most of the time that it was a crappy imitator of MAD, it was actually a mob front used to hide and launder money.  Management didn't care one bit about the content so long as it was turned in on time and seemed reasonably professional so as not to arouse suspicion (I knew someone who did some freelance work for them back in the day).  I suspect that is no longer the case.


For the period 1950 to 2009, if you adjust the S&P 500 for inflation and account for dividends, the average annual return comes out to exactly 7.0%. Source. Currently inflation is around 2%.  So your 2% APY is a 0% real return where the stock market return is 7%.  I.e. on average, stocks have a return that is higher by 7.   If you mix in bonds, 70% stocks to 30% bonds, your real returns will drop to around 5.5%, but you are safer in individual years (bonds often have good years when stocks have bad years).   We're making a bit of a false dichotomy here.  We're talking about returns on stocks in retirement accounts versus returns on CDs in regular accounts.  You can buy stocks in regular accounts and it is legally possible to have a CD in a retirement account.  So you can get bankruptcy protection and tax advantages with a CD.


"You said your strategy was to put it into a index fund.  But then you asked about setting  stock limits.   I'm confused. Funds usually trade at their price at the end of the day, so you shouldn't try to time this at all. Just place your order. If you are buying ETFs, there is going to be so much volume on the market that your small trade is going to have no impact on the price. You should just place a market order. A market order is an order to buy or   sell a stock at the current market   price. A limit order is an order to buy or   sell a security at a specific price. In the US, when you place a trade with any broker, you can either place a limit order or a market order.  A market order just fills your order with the next best sellers in line.  If you place an order for 100 shares, the sellers willing to sell 100 shares at the lowest price will be matched with your order (sometimes you may get 50 shares at one price and 50 shares at a slightly different price).    If your stock has a lot of volatility and you place a market order for a small amount of shares,  you will get the best price. If you place a limit order, you specify the price at which you want to buy shares.  Your order will then only be filled with sellers willing to sell at that price or lower (i.e. they must be at least as good as you specified).  This means you could place an order at a limit that does not get filled (the stock could move in a direction away from your limit price).  If you really want to own the stock, you shouldn't use a limit order.  You shouldn't only use a limit order if you want to tell your broker ""I will only buy this stock at this price or better.""  p.s. Every day that passes is NOT a waste.  It's just a day that you've decided investing in cash is safer than investing in the market."


Shorting penny stocks is very risky.  For example, read this investopedia article, which explains some of the problems.  In general: If you have some sort of method for perfectly identifying Pump and Dump schemes, it's possible you could make money if you time things right, but that timing is going to be very difficult to identify.


"I'm not so sure the insider / outsider distinction is the best one, although it does have its uses - for example, if an organization has stagnated, you might not want business as usual, someone stuck in groupthink, and a devotee of the stagnant religion. On the other hand, bringing in an outsider doesn't necessarily mean change - they may be just as much of a devotee of the same religion that made the organization stagnant in the first place.  Personally I wouldn't say there was a definitive Ballmer era though. People regularly change their own tactics and approaches, and I think Ballmer ""saw the light"" towards the end of his term with respect to One Microsoft - or at least it was one major conversion among a series of as yet uncompleted ones. I think Satya continued much of that in his own way - much like two restaurants can both be French, but still be quite distinct from one another.  But if even early Ballmer can be different from late Ballmer, the important thing is probably more about how much change is happening, and whether it is the right change..."


Would you like me to add fake experiences or to throw assumptions into my evaluation? If someone has one experience with a company, that is all they have to base their opinion off of. I'm not sure how a lack of abundant personal preference subdues the value of the anecdote as a whole. Also, I haven't ever used either, I would not pay for a ride when I can always provide it myself or a find a free one. I'm referring to which I'd rather be employed by.


">drive around in a dangerous fucking forklift  You sound like an idiot who has never been anywhere near a ""fucking forklift"".  Forklifts are responsible for 85 deaths per year, which is less than the number of deaths by [sunbeds](http://www.dailymail.co.uk/health/article-198104/Sunbeds-blamed-100-deaths-year.html), [icicles](http://www.oddee.com/item_98002.aspx), or [pen caps](http://www.omg-facts.com/Other/Pen-caps-cause-100-deaths-a-year/51065?id=51065&c_val=3).  Don't even start with the number of deaths caused per year by extension cords.  Who knows what terrible, dangerous, and subversive acts they take part in during the day.  I bet they even speak to one another with positive words during working hours!!!  You are either a terrible troll or very ignorant.  Either way, stop.  Just stop."


"Children are luxuries. You should not be able to claim $100,000 is middle class *""because I have 3 kids""*. That's like saying *""Yeah I have $20 million but I have 4 mansions on mortgages plus 2 yachts to make payments on! Those things eat up all my income!  I'm poor!""*"


Converting fideli comment to answer I don't think any Canadian bank offers this capability for online banking. However, there seems to be a fierce push right now at most banks to improve their online banking platform so they may be open to the suggestion of guest accounts


Since looking for a reliable conveyancer is not easy, it will surely cost you a lot of time and money. By availing of the services of Conveyancing Index, you can avoid wasting both of them. By using the quote generator on their website, https://www.conveyancingindex.co.uk/, you can instantly receive quotations from various conveyancers in your area. This way, you don’t have to call countless conveyancers anymore. Avail of their services today!


**Federal Reserve System: Member banks**  A member bank is a private institution and owns stock in its regional Federal Reserve Bank. All nationally chartered banks hold stock in one of the Federal Reserve Banks. State chartered banks may choose to be members (and hold stock in their regional Federal Reserve bank), upon meeting certain standards. The amount of stock a member bank must own is equal to 3% of its combined capital and surplus.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/finance/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot/)   ^] ^Downvote ^to ^remove ^| ^v0.22


I assume you're informed and not an idiot until you give me a reason to suspect otherwise. Espousing the same or similar nonsense as a group of predominantly uninformed and idiotic people counts as a reason. There's no redeeming silver lining in that perception. I figured I would mention the perception you're giving because it completely undermines the persuasiveness of any point you're trying to make, regardless of how valid your point might be, by affecting your ethos in a detrimental way.


The easiest options appear to be to open an account with one of the large multinational banks like Citi. They have options such as opening two separate checking accounts, one in each currency, and Citi in particular has an international account that appears to make mutli-currency personal banking easier. All of the options have minimum balance requirements or fees for conversion, but if you need quick access this seems to be the best bet. Even if this is a one-time event and you don't need the account, a bank like Citi may be able to help you cash the check and get access to the funds quicker than a national or local bank. http://www.citibank.com/ipb-global/homepage/newsite/content/english/multi_cap_bank_depo.htm Alternatively if you know anyone with a US bank account you can deposit it with them and take the cash withdrawal from their account, assuming they agree, the check isn't too large, etc.


"I compared investing in real estate a few years ago to investing in stocks that paid double digit dividends (hard to find, however, managing and maintaining real estate is just as hard).  After discussing with many in the real estate world, I counted the average and learned that most averaged about 6 - 8% on real estate after taxes.  This does not include anything else like Dilip mentions (maintenance, insurance, etc).  For those who want to avoid that route, you can buy some companies that invest in real estate or REIT funds like Dilip mentions.  However, they are also susceptible to the problems mentioned above this. In terms of other investment opportunities like stocks or funds, think about businesses that will always be around and will always be needed.  We won't outgrow our need for real estate, but we won't outgrow our need for food or tangible goods either.  You can diversify into these companies along with real estate or buy a general mutual fund. Finally, one of your best investments is your career field - software.  Do some extra work on the side and see if you can get an adviser position at a start-up (it's actually not that hard and it will help you build your skill set) or create a site which generates passive revenue (again, not that hard).  One software engineer told me a few years ago that the stock market is a relic of the past and the new passive income would be generated by businesses that had tools which did all the work through automation (think of a smart phone application that you build once, yet continues to generate revenue).  This was right before the crash, and after it, everyone talked about another ""lost decade.""  While it does require extra work initially, like all things software related, you'll be discovering tools in programming that you can use again and again in other applications - meaning your first one may be the most difficult. All it takes in this case is one really good idea ..."


Mecha's comment was intended to make readers discount Gate's view on the subject, with a sort of reverse-appeal-to-authority move.  It's possible that Gates knows more about economics than many economists. Mecha is, without further information, in the same situation regarding Gate's credentials. Mecha is no trained expert on Gates, so we should discount *his* comment intended to make us discount Gate's comment.


I have comcast and hate their guts. From the time they bought the local cable system a couple of years ago they have raised prices at least 10% a year and at the same time cut 2-4 channels every year. Now they want customers to get a bunch of new equipment, which they claim is free, like the cable modem was free until one month they started charging extra for it every month. I'm not paying any more for their crap.   I've let go of everything but the local channels and tomorrow or the next day it will take MORE equipment to even get those. But I've ordered the equipment necessary to get channels off the air.   Then once they start messing with my internet I'll try AT&T and satellite internet or even go back to dialup.   Cause I'm not paying MORE for less, not paying MORE for crap. Hell, half of what you pay is for sports and I never watch sports.   I felt sorry when so many good newspapers started going under. But I feel no sympathy at all for comcast. They are like the Bank of America of cable TV. When they die people will cheer.   TV is run by greedy people. I remember when cable started. There were no ads. They made their money from cable subscriptions. Then they decided they wanted MORE money than that and added ads. They can make plenty of money without ads. But there is no end to their greed. So screw them.


"I find it kind of curious that Bitcoin is touted as a currency, but you never see this stated symmetrically as ""the dollar (and all other actual currencies) plummeted to below B0.00025.  Maybe because everyone would realize that this would sound completely silly, as none of us in the real economy noticed it."


[Image](https://imgs.xkcd.com/comics/impostor.png)  [Mobile](https://m.xkcd.com/451/)  **Title:** Impostor  **Title-text:** If you think this is too hard on literary criticism, read the Wikipedia article on deconstruction\.  [Comic Explanation](https://www.explainxkcd.com/wiki/index.php/451#Explanation)  **Stats:** This comic has been referenced 237 times, representing 0.1445% of referenced xkcds.  --- ^[xkcd.com](https://www.xkcd.com) ^| ^[xkcd sub](https://www.reddit.com/r/xkcd/) ^| ^[Problems/Bugs?](https://www.reddit.com/r/xkcd_transcriber/) ^| ^[Statistics](http://xkcdref.info/statistics/) ^| ^[Stop Replying](https://reddit.com/message/compose/?to=xkcd_transcriber&subject=ignore%20me&message=ignore%20me) ^| ^[Delete](https://reddit.com/message/compose/?to=xkcd_transcriber&subject=delete&message=delete%20t1_dkmt1yy)


An arcade with all the audio clips to-recorded to make fun of you, with all our machines running on pure settings.   A gym where, for an extra charge, you can live out the *Street Fighter* bonus stages and receive a complimentary ripped up gi and a red headband.


Capital losses do mirror capital gains within their holding periods. An asset or investment this is certainly held for a year into the day or less, and sold at a loss, will create a short-term capital loss. A sale of any asset held for over a year to your day, and sold at a loss, will create a loss that is long-term. When capital gains and losses are reported from the tax return, the taxpayer must first categorize all gains and losses between long and short term, and then aggregate the sum total amounts for every single regarding the four categories. Then the gains that are long-term losses are netted against each other, therefore the same is done for short-term gains and losses. Then your net gain that is long-term loss is netted against the net short-term gain or loss. This final net number is then reported on Form 1040. Example Frank has the following gains and losses from his stock trading for the year: Short-term gains - $6,000 Long-term gains - $4,000 Short-term losses - $2,000 Long-term losses - $5,000 Net short-term gain/loss - $4,000 ST gain ($6,000 ST gain - $2,000 ST loss) Net long-term gain/loss - $1,000 LT loss ($4,000 LT gain - $5,000 LT loss) Final net gain/loss - $3,000 short-term gain ($4,000 ST gain - $1,000 LT loss)   Again, Frank can only deduct $3,000 of final net short- or long-term losses against other types of income for that year and must carry forward any remaining balance.


"The margin money you put up to fund a short position ($6000 in the example given) is simply a ""good faith"" deposit that is required by the broker in order to show that you are acting in good faith and fully intend to meet any potential losses that may occur.  This margin is normally called initial margin.  It is not an accounting item, meaning it is not debited from you cash account.  Rather, the broker simply segregates these funds so that you may not use them to fund other trading.  When you settle your position these funds are released from segregation.   In addition, there is a second type of margin, called variation margin, which must be maintained while holding a short position.  The variation margin is simply the running profit or loss being incurred on the short position.  In you example, if you sold 200 shares at $20 and the price went to $21, then your variation margin would be a debit of $200, while if the price went to $19, the variation margin would be a credit of $200.   The variation margin will be netted with the initial margin to give the total margin requirement ($6000 in this example).  Margin requirements are computed at the close of business on each trading day.  If you are showing a loss of $200 on the variation margin, then you will be required to put up an additional $200 of margin money in order to maintain the $6000 margin requirement - ($6000 - $200 = $5800, so you must add $200 to maintain $6000).  If you are showing a profit of $200, then $200 will be released from segregation - ($6000 + $200 = $6200, so $200 will be release from segregation leaving $6000 as required). When you settle your short position by buying back the shares, the margin monies will be release from segregation and the ledger postings to you cash account will be made according to whether you have made a profit or a loss.  So if you made a loss of $200 on the trade, then your account will be debited for $200 plus any applicable commissions.  If you made a profit of $200 on the trade then your account will be credited with $200 and debited with any applicable commissions."


You have several options: If they refuse the second option, and the incident has already happened look on the HSA website for the form and procedure to return a mistaken distribution. I have used the two options with all our medical providers for the last 3 years. Some preferred option1, some preferred option 2, but none refused both. One almost did, but then reconsidered when they realized I was serious. While there is an April 15th deadline to resolve the mistake, I have found that by requesting the provider accept one of the two options the number of mistakes is greatly reduced.