Best Buy has always had high prices and horrible customer service. Can you tell I have a chip on my shoulder? lol they installed a stereo in my truck and broke the ac which cost me over $1900 to fix. After weeks of having a lawyer hound them, they sent me $1000 to settle the claim. Wasn't worth my time to miss work for small claims court. P.S. why is $1900 and the common man considered small claims? Big companies like Best Buy and Paypal just bully people using the law, and I'm sick of it!


"See [bilaterals.org for lots more on this medicine issue](http://www.bilaterals.org/?+-medicines-+) around the world.  They are clearly pushing the meme [""People shouldn't ever be put above unfettered profits""](http://content.healthaffairs.org/content/28/5/w957.full), Seriously.  Did you know, these deals [are irreversible, they last forever](http://www.bilaterals.org/?website-reveals-how-us-could) and bind all future governments/inhabitants of the same geographic areas unto eternity.  So, no more four year terms for corrupt officials, their bad decisions can curse a country for god knows how long, no limit!  What a scam.    Shhhh! Big secret.     http://citizen.typepad.com/eyesontrade/2013/11/38-million-retirees-say-no-to-a-trade-deal-that-would-make-medicine-more-expensive.html"


Jesus you're retarded. Should he take the time out of his day to condemn every group that might like him individually? He condemned the violence on both sides and political violence in general. What more do you fucking want? Do you want him to flog himself publicly and apologize for being white? The absurdity of the left's expectations for him is palpable and the only thing holding up most of their condemnations is pedantry. Literally nothing he does will satisfy you/ them so why bother? If anything he shouldn't have said anything about it just to piss you people off so you make a fool of yourselves. Should business owners and public figures issue public statements condemning any white supremacists that might be patrons or admirers of their work? It's preposterous to assume so, so why assume the same with the president?


Have you tried their site? Some places may have portions available though also beware that some companies may charge for some of their research pieces.


"So you being born where you were with the opportunities you were given, just because you made the most of them you feel that luck wasn't any part of it?  And a child born in a very poor, impoverished location without those opportunities should be expected to succeed just as well as you, and if they didn't then that means they just ""didn't work as hard as you""?  I'm sorry, but fuck everything about that sentiment.  Sure, you worked hard, pat yourself on the back.  But dismissing everyone else in the world simply because you think they just didn't work as hard as you completely misses the Lewis' point.  You were lucky to even have those opportunities, you should at the very least be thankful that you were given those opportunities."


Well, sure, why else would you buy them? Is it illegal now to accept money *from* PDVSA? Because I know my company does business with them, and if we are going to ship what we built for them, we need to see the money.


There is no guidance specifically for this yet, but in my professional opinion, there is not going to be a like kind exchange for crypto. So when you exchange one crypto for another there will be a capital gain, but your basis in the new coin will be the total gain on the old coin.


Thanks for the reply!  Sadly, I have considered NYC, Chicago and even London, but my heart is set on Toronto. Also, I'm not quite sure I know what you mean by siphoning funds. I wasn't aware that financial engineers in Toronto do things differently than financial engineers in the US.


"myRA is a name for a proposal Obama made to make IRA more accessible to people who are employed but don't have access to the traditional employer-sponsored retirement plans. However, other than making IRA more accessible - there's nothing in that plan that doesn't exist already. You can open IRA yourself and deposit money there yourself. The only thing ""myRA"" proposal adds is an ability to deduct money automatically from your paycheck and deposit it into your IRA without you doing it manually. Bottom line - it is just a proposal, not an existing program, that makes things you're already doing easier for people who are not doing it yet."


"I'm against frivolous litigation, but this is not frivolous.  If you saw an ""Irish need not apply"" sign on the outside of a store like in the old days, you'd think it was despicable.  This is just a little less obvious example."


You're missing the point. I'm suggesting (maybe poorly) that we should boycott corporations who support this legislation. I feel that few movies would be missed, although others would disagree. Which is their right, constitutionally as it would happen.   If a studio does not support the legislation, I suggest supporting them with the dollars you would otherwise spend supporting the boycotted studios.   No doubt movies are art, as is literature, fine arts and so on. I support a person or company's right to intellectual property, and their right to protect it. I do not support, and can not support a corporation or person who supports, the broad ham-fisted approach that is SOPA. I believe that it is a direct attack on our freedom of expression, and thus supporters of it are attacking our freedom of expression.   I'm appalled that you would not sacrifice the enjoyment of a film to try to voice your opinion that you deserve the right to voice your opinion.   The people supporting SOPA are the buggy whip manufacturers lobbying against the auto industry. They need to innovate instead of stifling the free communication of ideas.


"My guess is they are fishing for business for their in-house finance person. In the UK, all the estate agency chains (and many of the smaller outfits) have financial advice firms they are affiliated with, often to the extent that a desk in each branch will be for 'the finance guy' (it's usually a guy). The moment you show any sign of not quite having the finances for a place you like, they will offer you a consultation with the finance guy, who ""will be able to get you a deal"". On commission, of course. What you need to say with regards to financing is (delete as applicable) ""I am a cash buyer"" / ""I have an Agreement In Principle"". And that's it. They do not 'need' to know any more, and they are under obligation to pass your offer on to the vendor."


"in undergrad business, you will have a broad scope of information to cover, and schools and professors will vary widely in how they approach it.  it will be hard to say for certain how you can edge out your peers before knowing what they are looking for. however, finance and business are intellectually nebulous, especially at the undergrad level. your best bet is to maintain a broad set of interests and stay well read on them.  i would recommend watching Bloomberg fairly regularly, opening a brokerage account and taking advantage of the reps you can talk to, and reading news like The Atlantic and Washington Post,  among others, as long as they are well reasoned and contemporary accounts. classic and modern economics books will give you superior frameworks in which to look at the ""smaller"" world of finance, which should set you apart from your peers as well."


What sort of items? That being said, I am cheap and not brand loyal...I buy what's on sale. I have never seen 'everyday items' cheaper than the grocery store or Aldi or Costco (places where I most of my shopping when not shopping online).


The reason to do a stock split is to get the price of the stock down to an affordable range. If your stock costs $100,000 per share, you are seriously cutting in to the number of people who can afford to buy it. I can think of two reasons NOT to do a stock split. The biggest is, Why bother? If your stock is trading at a reasonable price, why change anything? It takes time and effort, which equals money, to do a stock split. If this serves no purpose, you're just wasting that effort. The other reason is that you don't want to drive your stock price down too low. Low prices are normally associated with highly speculative start-up companies, and so can give a wrong impression of your company. Also, low prices make it difficult for the price to reflect small changes. If your stock is trading at $10.00, a 1/2 of 1% change is 5 cents. But if it's trading at $1.50, a 1/2 of 1% change is a fraction of a penny. Does it go up by that penny or not? You've turned a smooth scale into a series of hurdles.


"As an opinion column that uses the word ""toxins"" I can't help but dismiss it entirely.  [Here is the summary of the study](http://www.leopold.iastate.edu/news/07-09-2012/higher-diversity-fewer-inputs-make-profitable-farms) which is much clearer about their results, the problems, and lacks the ""oh no not CHEMICALS"" woo."


"> but I think Microsoft have hit the money with the idea of the Surface Pro  The problem is that they are not taking the **idea** of ""Surface"" to it's necessary & logical (practical) extent.  IMO there ***is*** a market for a really LARGE (like 2 ft x 3 ft) single surface interactive screen-based computer -- **solidly mounted in a fully tilt-able (and height adjustable) manner akin to a drafting table or a large ""paste up"" board** -- something that you can comfortably sit at (or raise and stand in front of) and lean in to work on -- IOW, something that is capable of really being a *true* ***desk-top***, as in capable of displaying multiple pages, or a (one or more) large blueprint sized drawings.  CAD people would LOVE that.  Publications people would EAT it up! And even general office workers & business people would probably like it as well.  (So the thing *doesn't* have to be lightweight & portable, much less ""thin"" to achieve that, in fact some ""heft"" & thickness/weight would probably be a beneficial thing, provided the base was solidly built -- and in fact the computer doesn't *have* to be part of the screen, it could be in a box located on the support structure underneath somewhere).  *In a lot of ways I think people are TRYING to achieve that very thing with DIY multiple monitor arrays.*  They ALMOST had it with the [""surface/table"" concept (renamed PixelSense)](http://static.trustedreviews.com/94/00002387d/51cf_orh350w620/Microsoft-Surface-PixelSens.jpg) but they apparently they are too caught up in the gaming/Star-Trek concept origins, and don't realize that working ""hunched over"" on a flat (horizontal) surface (especially some ""coffee table"" height thing, but [even seated](http://www.blogcdn.com/www.engadget.com/media/2011/01/surface-2-hands-dsc0297-rm-eng.jpg)) is just a *literally* royal frigging **pain in the neck.** (Besides, most work is text/image related and has an up/down orientation on the display -- no one really WANTS to be on the opposite side looking at shit upside-down, much less on the two adjacent sides looking at things while trying to cock your head 90 degrees). And hanging the thing on the **wall** doesn't work well for most applications either.  It's [much like the curved screen concept thing in the Minority Report flick](http://blog.templatemonster.com/wp-content/uploads/2012/12/minority-report.jpg)... looks cool, but who the hell wants to **stand** in front of a permanently high-mounted screen all day (much less have to **stretch-reach** several feet away to ""grab"" something ... and even worse to ""grasp"" something in the nothingness of mid-air).  Much like the [Star Trek horizontal ""pool table"" screen thing](http://www.ex-astris-scientia.org/inconsistencies/props/pooltable-hollowpursuits.jpg)... it *looks* like it works in a movie & TV (and for the types of things they are using them for) ... but not very practical for most real life computer applications."


Những nữ tiếp viên này bắt đầu công việc của họ bằng cách chờ đợi trong một phòng đặc biệt. Khi khách hàng cần, “má mì” sẽ đưa khách vào phòng đặc biệt này và bắt các “em út” đứng thẳng, xếp thành hai hàng cho khách thỏa mắt chọn lựa.


There are some excellent responses to this question at the time of this post. I have had the greatest success writing 1-month options. The 2 main reasons are as follows: With little time to expiration as stated in the question the implied volatility of the option is dictating the premium. Looking for the highest premiums is a mistake because you are taking a conservative strategy and re-creating it into a high-risk strategy. My sweet spot is a 2-4% monthly return for my initial profit and then mastering management techniques to protect that return and even enhancing it.


I agree with this as well.   I don't think a lot of people in the US realize that immigration is one of the US's saving graces when it comes to future economic growth. Only India's population will grow faster than the US's on a % basis over the next 15 years or so.  I also agree on the financial panics lasting 7 years. The Reinhart and Rogoff piece even suggested that the US experienced a run of the mill financial panic based on previous historical experiences.


Reading your other comments, it's obvious you're just a troll so I'm not going to waste my time debating you. At least I'm hoping you're a troll, because it's easier for me to believe there aren't actually people as moronic as you in the world.


Vikasmarg.com is a portal which allows you post the ads freely. The range includes business services, advertising services, and organizing events and so on. The portal offers you several advantages to buy, sell and lease the things in a faster manner. The ads contain complete information about the products and services as well as the contact information of the buyer and seller.


I think if you transfer money from your account in Germany to your account in Canada you don't have to pay any taxes. However if you get any interest on your deposits, you probably have to pay tax (and probably in Canada) regardless where the account is.


Does the Spanish market, or any other market in euroland, have the equivalent of ETF's?  If so there ought to be one that is based on something like the US S&P500 or Russell 3000. Otherwise you might check for local offices of large mutual fund companies such as Vanguard, Schwab etc to see it they have funds for sale there in Spain that invest in the US markets.  I know for example Schwab has something for Swiss residents to invest in the US market.  Do bear in mind that while the US has a stated policy of a 'strong dollar', that's not really what we've seen in practice.  So there is substantial 'currency risk' of the dollar falling vs the euro, which could result in a loss for you.  (otoh, if the Euro falls out of bed, you'd be sitting pretty.)  Guess it all depends on how good your crystal ball is.


I'm not saying new jobs aren't created every day with the increased pace of technology, I'm just saying it's not fair to claim that every job a robot replaces will be made up for 1:1 with a robot support job and that the only thing holding that back is education.   Also, I'm not arguing against technological progress in general. The distinct difference with automation is that it replaces jobs. When we went from horses to cars, over time people migrated from one transportation support role to another. Carriage drivers (or their children) became taxi drivers with time. What I'm wondering is what happens when those roles are *replaced* not changed. When all taxis and trucks are driven by robots, what happens to those people? It's not like they become flying taxi or flying truck operators. Those jobs just don't exist any more.   The impact of automation to date has been absorbed as we have transitioned to a services based economy rather than a production based economy, but I can't see what we would transition to if many of the services we receive and all of production are no longer provided by humans.


"Are you asking ""what does everybody else do/spend""?  I think any amount less that 90% is ""safe"", but if depends on your goals.  Saving a ""dime of every dollar"" is a good rule of thumb for retirement, so 90% is left to spend. But I believe that is the wrong way to think about it.  You have expenses; some are optional and some are not.  The percentages aren't the important thing.  What is important is that you meet your obligations and meet your goals.  Everybody is different, so I don't think you can reasonably your percent of expenses to somebody else. In setting up your budget, go the simple route.  You can always get super detailed later if you want. INCOME As you have extra funds, be sure you have an emergency fund (~6 months of expenses) and a fully funded retirement.  Pay off any outstanding debts.  If you are so fortunate to have some left over, then revisit the savings amount or become an investor like many people here; or have fun and go on vacations; or buy a nicer car.  The point being you will know you can afford it. If you put detailed categories under those main categories, that will give you a picture of where you spend you money and you can fix that if desire.  If it bothers you that you spend 15% of your income on imported classical music, you can adjust that with a habit change."


People can engage in whatever mental gymnastics that they want if they're only reading the headline. There's no way to get enough information from it to be educated on the subject. Even your headline, I can dismiss the statistics because I don't know the source. I can still throw in my own anecdote to dispute it. A person's ignorance and personal beliefs can trump even the best crafted sentence.  I don't think headline readers are any better or worse off reading the current headline or yours.


"Robin Hood stole from the GOVERNMENT because they had OVERTAXED the people. ""Robin Hood tax"" is some 1984 orwellian bullshit. It's like saying ""free slavery"". Robin Hood's entire basis was to reduce taxation by giving the people back their god damn money from the taxing king."


It is. I stopped using Uber. I use Lyft exclusively now, even tho they cost a little more.  Obviously one customer is not going to have a huge impact on a billion dollar company, but a real businessman knows every dollar you lose is hurting your business. That is, a businessman interested in success, rather than mediocrity, knows that.


Birthdays are the most awaited time of a child’s diary and trying to make it special is every parent’s dream. So, if you have a daughter and you are planning a birthday for her and her girl gang, then ‘Spa on Wheels’ can be the best idea that can assure an exciting as well as glamorous treat.


The prices dropped because the scandal could mean: This some people estimated that the company could lose money, or have smaller profit. Thus each share was worth less money going forward. The mechanism is that in order to sell their shares the current share owners had to settle for lower prices.


That's not how pension funds work. Individuals don't have their own account. They have a promise for a guaranteed amount of income. The money gets managed all together in one giant pool by professional investors. And these are the investors that the article is talking about.  They're not a bunch of billionaires refusing to invest idle cash. They're often bureaucrats in charge of sovereign wealth funds that are desperately trying to earn enough interest to meet their obligations. Taxing them more isn't going to help anything.


"I use the (gratis, libre) command-line program ledger for my personal accounts.  It handles funds across accounts gracefully, through a feature called ""Virtual Accounts"".  A transaction can add or subtract money from a virtual account, which need not balance with all the other entries in the transaction.  Then it's just a matter of setting up reports to include or exclude these accounts."


If you're maxing out your 401k, just save in tax-efficient investments like stocks and tax efficient funds.  If you live in a state with income taxes, look at municipal bond funds for some tax-free income. In 2011, be careful with bond funds and look for short duration funds.


Your parents would file their taxes as they normally do. It would be as if your parents were landlords renting a room to your girlfriend. She would not be claimed on their taxes. If your girlfriend pays rent to your parents (through her parents or otherwise) it would be claimed as rental income. The household size wouldn't change because even though your girlfriend is living with your parents they are not financially responsible for her. Example: A landlord would not claim renters as dependents or in household size on their taxes.


Why limit yourself to $28K per year?  If you pay the tuition directly to the institution, it does not count against your annual or lifetime gift-giving totals.  You could pay the entire tuition each year with no tax consequences. The only thing you can't do if you want to go this route is give the money to your children; that's what causes the gift tax to kick in.  The money must be paid directly to the school.


So you don't have to click the link   >When the 30-year bond yield begins the year below 4%, stocks go up 22.1%.  >When investment grade bonds yield below 4%, stocks go up 16%.  >When high yield bonds yield below 8%, stocks go up 11.6%.  >When cash as a percent of asset for non-financials is above 10%, stocks go up 17.6%.  >When the Fed tightens 0-75 basis points in the year, stocks go up 22%.  >When oil falls more than 20%, stocks go up 27.5%.


Lobbyists wrote it. Its all the things that they want but could never get in an election. Plus, once they are in a trade deal, they can't ever be reversed, even by future administrations, even political upheavals cant change them. Because they give corporations ownership rights to the countries markets that can't be taken away or changed by governments or they have to pay. The taxpayers have to compensate MULTINATIONAL corporations for things like regulations.The trade deals are a new supranational system which elevates multinational corporations to a place where they can sue nations if they change the rules after a corporation has invested some money in the situation. Politicians can do whatever they want *as long as it doesn't effect any multinational corporations business interests adversely.*   For example, they can do things which make them *more* profitable, just not less. that leaves them as always having to impact people because people dont exist in this system except as a passive buyer in the marketplace which cannot be devalued by - for example, public services which devalue markets. The country would have to reimburse the owners for the lost profits.


There are so many unnoticed issues and concerns that arise on a building’s attic or roof cavities with poor ventilation systems. For this reason, it is important to learn some of the requirements to eliminate mold or mildew problems caused by excess moisture and other causes that will affect the lifespan of a housetop covering.


If the transfer is from a country in Euro region, then yes, using Does, it's possible. However if it's outside then all other details are required. Edit IBAN is used by EURO countries and is supposed to simplify things. However till its fully adopted by all countries and clearing networks, there is quite a bit of confusion and complexity for individuals.   Low Value Transfer in Euro region in EUR currency is on SEPA network that only understands IBAN and only supports EUR currency. If you are transfering within UK [both banks in UK] in GBP, it would go on BACS network that only understands SortCode+AccountNumber. There are some Banks that give you interface that take an IBAN and convert to SortCode+AccountNumber and submit to BACS.


Definitely a good idea, but the headline is not accurate.  In the body of the piece it says he is 'on track to be profitable on $1 million in revenues' which in venture-speak means he has not yet reached that revenue level yet- and that he has received $2 million in venture financing.


Wouldn't this just have the same effect as student loans (ie: rising tuition costs)?  If I'm a for-profit school and my students are now getting paid $X per semester for attending, why not just raise tuition by $X?


"By living in Sweden and having a Swedish personal identification number (personnummer), you are required to declare your entire worldwide income for tax purposes with the Swedish tax authorities, Skatteverket. It would seem to not make any difference if some of that income is kept outside of Sweden. A company that has no permanent base of operations within Sweden should not deduct any preliminary taxes for an employee that lives in Sweden. Rather, the employee should apply for ""special A tax"" (""SA"" tax status), and pay the taxes that, had the company had a permanent base of operations in Sweden, the company would have paid. The information available on the tax authority's web site in English seems limited, but the relevant page in Swedish in your situation is very likely Lön från utländska arbetsgivare utan fast driftställe i Sverige. There is a summary at Paying taxes – for individuals. Particularly do note the summary section: When staying for at least six months, you are considered as resident in Sweden for tax purposes, and are liable for taxation in Sweden on all of your worldwide income. You must also file a Swedish income tax return. Your tax return must be filed no later than May 2nd of the year after the fiscal year. as well as that: If you stay in Sweden for a continuous period of at least six months you are considered to be resident in Sweden. /.../ As a resident you are liable for taxation in Sweden on all of your worldwide income. In some cases a tax treaty with with your ordinary country of residence  may limit the Swedish taxation. /.../ For a more detailed answer, including which exact forms you need to fill out and what data is needed, I strongly recommend that you either contact Skatteverket (they are usually quite nice to deal with, and they tend to realize that everyone benefits from getting the tax paperwork and payments right from the beginning), or find an attorney specializing in Swedish tax law. They even point out themselves that (my emphasis): the practical applications of these rules are relatively complicated and for more information you can contact the Tax Information (“Skatteupplysningen”) at 0771 567 567."


You would be surprised. I work in a grocery store where poor customers use a food stamps card to buy their groceries but pull out a debit card for a $60 carton of cigarettes and a $20 case of beer. They use the money they should be using for food on other things because they get an EBT card.


Global Trade Connect provides tools and a platform for connecting buyers across the world with maximum suppliers. You can get information about different buyers and customers by visiting Buyers directory through online and offline resources. If you list in our directory, then you will have every option to know their contact details and address details with the help of your registration. For more information you can visit our website globaltradeconnect.com.


It wasn't that long ago that Tim Horton's was owned by Wendy's, another American fast food chain. The only reason Investment Canada would have to block a foreign takeover would be if it would risk Canadian jobs (which this one wouldn't) or risks putting an important Canadian resource in foreign hands (which this takeover also wouldn't).  Investment Canada has only blocked two foreign acquisitions of Canadian companies in the past 25 years.


When you are creating a cafe or designing an office all you must do is invest in the best quality desks and chairs. This is because apart from the interior design these things will matter a lot. A good set of desks and chairs can actually enhance the look of the office.


"**Put aside the politics?**  That's laughable for an article that is nothing BUT politics.  For starters the artificially false conflation of *everyone* as if their behavior were homogeneous, when in reality it is a full spectrum (there are many people with not only ZERO debt, but substantial assets, including very productive assets).  Ergo the argument that there is some egalitarian ""solution"" to this by treating everyone the same way... is in fact a POLITICAL assumption (and a very biased one at that)."


"[Union membership is way down in the US.](http://en.wikipedia.org/wiki/File:Union_membership_in_us_1930-2010.png) ""Plenty"" is a relative and relatively meaningless term. The real question is, do unions have any power to counterbalance that of corporations and politicians, and I think in the US the answer is that they have minimal power."


At Allfreight finance our commitment is to provide our clients with the highest quality and comprehensive range of financial services, the team here offer reliable and transparent commercial truck financing and new truck financing. Vehicles like vans, dual cabs, refrigerated trucks, pan tech trailers, tippers, light trucks, and other heavy vehicles. To know more in details contact us today.


"Absolutely! Superstar employees are a conceived threat to management and managers who know they they are not to the level of those employees and those employees may gain too much power, etc. Pure political games.  Also, once you get rid of a superstar employee, you need to hire 10 other people to replace that person... who will make a big mess... so you need even more managers/management and also more employees.  It's very simple.  The only reason superstar employees keep their job is the fear of a big mess if they are let go.  Also, NEVER EVER(!) promote those superstar employees, despite the urgent need for their talent to be transferred to others and use their talent in higher up positions.  I am a Superstar employee, 20 years in my company, know things and systems that no one else knows and systems I created are responsible to 90% of sales. I am not kidding, I am not making up things and, yes, I can brag. I do the work of at least 10 ""normal"" employees.  Despite that, I would have been fired long time ago.  I did not and will not... for next 4 years... until my planned retirement, when I want to get fired.  I am smart to not get fired because I limit the ton and arguments I have with the ""enemies"". I am also very passive-aggressive. I found it much better to let them go their way and watch them and ""help"" them fail. Why do they fail? Because I know they right way, and because I know the right way, they will automatically select another way which is doomed.  **Think Dilbert! This comics are actual true and accurate representation of what happens in almost all companies.**  Oh, the stories I can tell you! I am 20 years in the company, and many many ""brilliant"" managers came and let go.  Lastly, I am well respected in the company, but the ""enemies"" who don't like me make it not so nice at times for me.  P/S: an even bigger superstar employee than me, a friend of mine, a different company, was let go because of politics. He told me that his work is now done by 16 new employees and a big mess still going on. I am totally believe him and not surprised at all."


The IRR is the Discount Rate r* that makes Net Present Value NPV(r*)==0. What this boils down to is two ways of making the same kind of profitability calculation.  You can choose a project with NPV(10%)>0, or you can choose based on IRR>10%, and the idea is you get to the same set of projects.  That's if everything is well behaved mathematically. But that's not the end of this story of finance, math, and alphabet soup. For investments that have multiple positive and negative cash flows, finding that r* becomes solving for the roots of a polynomial in r*, so that there can be multiple roots.  Usually people use the lowest positive root but really it only makes sense for projects where NPV(r)>0 for r<r* and NPV(r)<0 for r>r*.   To try to help with your understanding, you can evaluate a real estate project with r=10%, find the sum future discounted cash flows, which is the NPV, and do the project if NPV>0.   Or, you can take the future cash flows of a project, find the NPV as a function of the rate r, and find r* where NPV(r*)==0. That r* is the IRR.  If IRR=r*>10% and the NPV function is well behaved as above, you can also do the project. When we don't have to worry about multiple roots, the preceding two paragraphs will select the same identical sets of projects as meeting the 10% return requirement.


CLM is a Closed End Fund. It is a collection of other securities that trades as if it were stock issued by a single company. NASDAQ cares about how it trades, so that would be why they list it as you say they do.  Here is a list of their top 25 holdings: http://portfolios.morningstar.com/fund/holdings?t=CLM&region=usa&culture=en-US


I hate apples business practice down to the core, but whenever a not-so-tech-savvy friend or older gentleman/lady asks me what I think about Apple,...I cite their customer service.  A lot of the other companies out there either require a million dollar service package, or you are on the phone with a call center in India.  I don't mind this myself as I love the freedom it gives me over Apple (Hell, none of my software/hardware (except my laptop) is an OEM package)...but for an older lady who just cant seem to figure out how to get her email open...an apple care center (or whatever they call them, genius bars?) down the road is a fantastic option.


"I think, the top three answers by Joe, Anthony and Bigh are giving you all the detail that you need on a technical sense. Although I would like to add a simple picture that underlines, that you can not really compare day trading to long-term trading and that the addictive and psychologic aspect that you mentioned can not be taken out of consideration. The long term investor is like someone buying a house for investment. You carefully look at all offers on the market. You choose by many factors, price, location, quality, environment, neighborhood and extras. After a long research, you pick your favorites and give them a closer look until you finally choose the object of desire, which will pay off in 10 years and will be a wise investment in your future. Now this sounds like a careful but smart person, who knows what he wants and has enough patience to have his earnings in the future. The short term investor is like someone running into the casino for a game of black-jack, roulette or poker. He is a person that thinks he has found the one and only formula, the philosopher's stone, the money-press and is seeking immense profits in just one night. And if it does not work, he is sure, that this was just bad coincidence and that his ""formula"" is correct and will work the next night. This person is a pure gambler and running the risk of becoming addicted. He is seeking quick and massive profits and does not give up, even though he knows, that the chances of becoming a millionaire in a casino are quite unrealistic and not better than playing in a lottery. So if you are a gamer, and the profit is less important than the ""fun"", then short term is the thing for you. If you are not necessarily seeking tons of millions, but just want to keep your risk of loss to a minimum, then long term is your way to go. So it is a question of personality, expectations and priorities. The answer why losses are bigger on high frequency signals is answered elsewhere. But I am convinced in reality it is a question of what you want and therefore very subjective. I have worked for both. I have worked for a portfolio company that has gone through periods of ups and downs, but on the long term has made a very tempting profit, which made me regret, that I did not ask for shares instead of money as payment. These people are very calm and intelligent people. They spend all their time investigating and searching for interesting objects for their portfolio and replace losers with winners. They are working for your money and investors just relax and wait. This has a very serious taste to it and I for my part would always prefer this form of investment. I have worked for an investment broker selling futures. I programmed the account management for their customers and in all those years I have only seen one customer that made the million. But tons of customers that had made huge losses. And this company was very emotional, harsh, unpersonal - employees changing day by day, top sellers coming in corvettes. All the people working there where gamblers, just like their customers. Well, it ended one day, when the police came and confiscated all computers from them, because customers have complained about their huge losses. I am glad, that I worked as a remote developer for them and got paid in money and not in options. So both worlds are so different from each other. The chances for bigger profits are higher on day trading, but so are the chances for bigger losses - so it is pure gambling. If you like gambling, split your investment: half in long term and other half in short term, that is fun and wise in one. But one thing is for sure: in over ten years, I have seen many customers loosing loads of money in options in the future markets or currencies. But I have never seen anyone making a loss in long term portfolio investment. There have been hard years, where the value dropped almost 30%, but that was caught up by the following years, so that the only risk was minimizing the profit."


As an electric vehicle engineer... I can say that shitty 18650 batteries are not the only bottleneck in vehicle production. If your supply chain is completely dependant on out of date battery technolgy, one small part of an EV,  the vehicle will be postponed a great deal. There are many many facets to vehicle production than 1/5 of the powertrain.


Are the topics of phone calls getting logged? If you have a list of the top 10 most popular phone call reasons, then you could start with those. Sit down with someone who is currently answering phones, and ask them how they resolve issues for the most common call topics.  That's what I've done in the past, and it went pretty smoothly. Of course, if there's been no trend tracking, it makes it difficult to retroactively gather that information.


Yes. Instead of paying a cash dividend to shareholders, the company grants existing shareholders new shares at a previously determined price. I'm sorry, but scrip issues are free (for all ordinary shareholders) and are in proportion to existing share holding. No payment is required from shareholders. So instead of having 10 $1 shares, the shareholder (if accepts) now could have 20 50p shares, if it was a one-for-one scrip issue.


I'm not familiar enough with finance in any capacity to know what the difference is between financial services or a finance department (beyond what you said); my familiarity of the industry extends to trading, rating, and financial law enforcement. But at a glance on mobile, that looks like pretty much exactly what I was looking for. I have no connect to the industry, but habe been on a Wall St media binge lately, and like to understand powerful/influencial sectors of society anyways. Thanks.


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Canadian departure tax is implemented as a deemed sale gains proceeds taxation. Check here for details. What it means is that you're taxed on the difference between your FMV on the date of terminating residency and your Canadian cost basis (FMV when you acquired residency, or regular cost basis if you acquired the assets while being resident of Canada). It doesn't matter if you actually withdraw the money or not, it has no significance. You'll have to pay the tax either way.


Can you point me to where you got the figure for number of car crashes? If it cost $230k per accident, based on the the total cost of $270 billion, that would mean there were ~1.17 million accidents. [Based on the 2010 census, there were 5.5 million accidents](http://www.census.gov/compendia/statab/2012/tables/12s1114.pdf) Unfortunately, they didn't have the 2010 figures which this report is based on but let's assume this figure would remain around there. Then we'd come out to $49,000 / accident.


Identify the market and time period. Use the [capital asset pricing model](http://en.wikipedia.org/wiki/Capital_asset_pricing_model) to determine the market beta(http://en.wikipedia.org/wiki/Beta_(finance) for your given stock and interpret the results (if your stock plots above the security market line, it means you are getting higher return for your risk, with consideration of the affects of market risk).  Maybe give a more detailed question? You might simply need to compute a modified [Sharpe Ratio](http://en.wikipedia.org/wiki/Sharpe_ratio) using the market (during the time you've decided is the recession) as the risk free rate. Tough to give a good answer to such a general/non-specific question.  EDIT: link formatting - can't get the beta page to link because of '( )' in url


"Pick up that straw. Your Apple/Amazon examples have nothing in common with the subject at hand.  If you can't tell the difference between ""licensed, underutilized professional equipment/drivers"" and bending/breaking:     1. Labor laws     2. Vehicle registration categories     3. Driver licensing rules     ...and engaging in auto insurance fraud, I've got nothing else to say."


The procedure entails developing an account in addition to every with the search engines like Google through which local business listing is going to be claimed. This account is dedicated to you personally and used only for the company’s listings. You retain possession of this account, and administration from the accounts could be fully utilized in you at the finish of anything.


I love the flat rate VAT scheme. It's where you pay a percentage based on your industry. An example might be Computer repair services, where you'll pay 10.5% of your total revenue to the HMRC. But you'll be invoicing for VAT at 20% still. Would definitely recommend registering for it since you're expecting to cross the threshold anyway. And like DumbCoder said, you also get a first year discount of 1%, so in the example above, you'd end up paying 9.5% VAT on your turnover. I personally found it a pain to invoice without VAT (my clients expected it), so registering made sense regardless of the fact I was over threshold. The tricky bit is keeping under the £150k turnover so you stay eligible for the flat rate. It does get more complex otherwise.


"Numbers: Estimate you still owe around 37000 (48500 - 4750, 5% interest, 618 per month payment). Initial price, down payment, payments made - none of these mean anything.  Ask your lender, ""What is the payoff of the current loan?"" Next, sell or trade the current vehicle. Compare to the amount owed. Any shortfall has to be repaid, out of pocket, or in some cases added to the price of the new car and included in the principal of the new loan.  You cannot calculate how much you still owe the way you have, because it totally ignores interest. Advice on practicality:  Don't do this.  You will be upside down even worse on the new car from the instant you drive off the lot.  Sell the current vehicle, find a way to pay the difference - one that doesn't involve financing. Cut your losses on the upside down vehicle. Then purchase a new vehicle. I'm in the ""Pay cash for gently used"" school, YMMV. Another option is to go to your bank.  Refinance your car now to get a lower interest rate.  Pay as much of the principal as you can.  Keep that car until it is paid off.  Then you will not be upside down. If you're asking how to use the estimator on the webpage.  Put the payoff in the downpayment as a negative and the trade in value in the trade in spot.  Expect the payment to go up significantly.   Another opinion that might be practical advice.  Nothing we say here will convince your financially responsible spouse that this is a good idea."


I have taken the free Kiyosaki evening course, and it does give some good information. It is an upsell to the $500 weekend course, which I also took. That course taught me enough about real-estate investing to get started. I have not yet had the need to pursue his other, more expensive courses. Read his books, take the $500 course, read other people's books on real estate investing, talk to other like-minded individuals, and gain some experience. I understand real estate better than I understand paper assets because I spent more time studying real estate.  If you want to invest in real estate, study it first. If you want to invest in paper assets, study those first.


>correlation doesn't imply causation   My least favorite phrase.  It's something dumb people say to sound smart.  All artificial intelligence models, all economic models and even climate models assume correlation implies causation.  It's even how the human mind operates.  You see a snake.  It bites you.  You will correlate snakes with painful bites.  That's how we learn.


Exactly. Paying someone (or more accurately, many someones) to flag material to be taken down with the DMCA is FAR less expensive than lobbying for draconian Internet laws. AND it would create jobs. But that's not how the big dogs play.


"Well that's a cynical way of looking at it. :( I am glad to say that, anecdotally, I know plenty of women who stick with their workout routine even when they realize their initial ""I want to look like Gwyneth Paltrow"" reason for starting was unrealistic."


People ... are nearly twice as likely to ... feel confident Great, confidence is amazing. That and $5 will buy you a cup of coffee. 44% [who hired a pro] have $100K or more [vs.] 9% of DIYers There's no way to examine these numbers without a link to the source, but it stands to reason that if you have a plan that you're sticking to you'll save more money than if you are just investing haphazardly. It's too bad that we can't see what the returns are for those using a pro vs. DIYers. That would be much more valuable than an arbitrary dollar level. Unfortunately $100K isn't really that much money if you live in the US, so it's an irrelevant talking point. The real question is whether investment knowledge is readily available to the masses or if having a person who specializes in finance is required to make good decisions about investment. I think the fact that the conventional wisdom prefers index funds to actively managed funds demonstrates that investment professionals are less useful than they might have been even a decade or two ago. If money should be spent on professional advice, it's probably better spent on CPAs or other tax professionals who can help optimize your investments for tax efficiency, though even that is now available as more common knowledge.


What I want to know is;  How much does all this 'competition', advertising, marketing, etc etc actually increase how much people give as a total yearly sum of their earning?  If 40 cents on the dollar is spend advertising and 'collecting' more money. Sure it works on the scale of a single successful charity. What is the cost to charities as a whole though?  If someone gives away 2,000 a year to charity, and 19 charities all spend $100 chasing that $2000 dollars, they on average can prove they are 'making money' by spending to get that $100 'more'. But in reality, now instead of being able to give $2000 to the needy the person was actually only able to give $100.  That is my fear when we start having charities operate as big business.


PS Group helps you to properly utilize your space and will thereby help you to get the best designed office at a very good rate. The interior designing services of a particular company is most of the times, based on the profile and the individual needs of the organization. Contact at: +91 11 43103444.


Google Maps and Craig’s List are easy wins and free.  I would offer free inspections and estimates.    What about getting into one of those new mover mailings.  That is when most people will be updating their fixtures.


">it certainly wasn't a priority for the government to oversee account-opening operations at the branch level  >**Consumer Finance** protection bureau  What the hell are they supposed to be doing then? There are already multiple organizations for the institutional level this group was created specifically for consumer level products and they missed one of the most blatant and widespread abuses in recent history.  Dodd Frank is like if my kid crashed my car, so I broke his arm to make sure it never happened again. Making sure he can never crash cause he can't even get behind the wheel, but failing to consider the greater consequences. >particularly among those of us who chose to leave big banks for smaller banks, who now have carte blanche to gamble in order to ""compete"" with the big guys. Looks to me like a strategy to discredit smaller banks in the end.  Please explain this one to me because I don't understand what you mean at all. You know most of the bulge bracket banks are *against* this rule while many community banks have expressed support? And what are you talking about freedom to ""compete"" against the big guys? What are you even talking about and how is that freedom threatened?  Since you brought up Republicans it seems to me like you are a liberal who hears 'Republican repeals regulation' and immediately think you have to be against it. There are a number of reasons this bill should receive bipartisan support:  * The guy who sponsored this bill was staunchly against the bail outs of '08 and wanted the banks to just fail.  * The compliance costs under Dodd are massive and smaller banks can't afford to pay them, and they shouldn't have to because if they fail to meet compliance they will just go bankrupt and won't bring the economy down with them.   * More overhead for compliance = lower deposit rates for clients = can't compete with bulge brackets. On a side note this is a general rule anyways and why I think its stupid to be using a community bank. Ever.   * It removes the orderly liquidation authority and leaves big banks to die instead of getting bailed out.  Other than the stigma of voting for GOP backed repealing of regulation the only real counter argument seems to be Elizabeth Warren, trickle down, Wall Street, 1%."


Closed accounts are used when calculating Average Age of Accounts (AAoA) by FICO. They will drop off your report 7 years after their closure, at which time your AAoA will decrease and most likely lower your credit score. Keeping your oldest card with an annual fee (AF) is a tough question. Since the exact calculations are a secret, it's hard to quantify the value of that card. Keep in mind that if you do decide to close it now (or right before the next AF) it will continue to count for the next 7 years. What you can do is the following: Assume you won't be applying for any new cards in the next 7 years. Look at all your current accounts and calculate the AAoA of all of them that would still be on your report 7 years from now. Calculate it with and without your oldest card. The difference will show you the effect closing the card today will have. There is a potential way to raise your AAoA depending on if you have an AMEX card. AMEX reports all accounts as being open from your original 'member since' date. If your oldest AMEX (ever, not necessarily still open) is older than your AAoA, opening a new AMEX will actually raise your average.  age of accounts is 15% of your score. note that some websites that calculate your AAoA for you (like creditkarma) don't count closed accounts, but since FICO does the age those websites generate should be ignored.


Using the default values for age and retirement and only making the changes you specified in the question. assumed ROR: 6%, current tax rate: 25%, retirement tax rate: 15%,   married, have an employer retirement plan. The results from the two calculators are: Traditional IRA: 631,341 IRA before taxes 536,640 IRA after taxes. Roth IRA: 631,341 Roth IRA 450,207 Taxable Savings where: Total taxable savings       The total amount you would have accumulated by retirement in a taxable savings account. your question: The (Traditional) IRA After Taxes value is 6.3% higher than the (Roth)   Taxable Savings amount. (Both had an equal gross amount.) Does that mean I should put my money in a tIRA instead of a Roth? My percentages don't match your percentages because you didn't specify the numbers you used. In any case the 450K number shows you what you would have if the money was not invested in an IRA or 401K. To decide between a Roth and a traditional IRA ignore the taxable savings number, that only shows what  happens if you decide not not use a retirement account.


You go public to raise money, to invest in the business and/or pay off the existing shareholders. It's really as simple as that. The advantage of being public is that your shares can easily be bought and sold, and so you can issue and sell new ones and your existing shareholders can sell out if they want to. The disadvantage is that you are much more tightly regulated, with more disclosure requirements, and also that you are exposed to much more pressure from your shareholders to maintain and increase your share price.


No free lunch You cannot receive risk-free interest on more money than you actually put down. The construct you are proposing is called 'Carry Trade', and will yield you the interest-difference in exchange for assuming currency risk. Negative expectation In the long run one would expect the higher-yielding currency to devalue faster, at a rate that exactly negates the difference in interest. Net profit is therefore zero in the long run. Now factor in the premium that a (forex) broker charges, and now you may expect losses the size of which depends on the leverage chosen. If there was any way that this could reliably produce a profit even without friction (i.e. roll-over, transaction costs, spread), quants would have already arbitraged it away. Intransparancy Additionaly, in my experience true long-term roll-over costs in relation to interest are a lot harder to compute than, for example, the cost of a stock transaction. This makes the whole deal very intransparant. As to the idea of artificially constructing a USD/USD pair: I regret to tell you that such a construct is not possible. For further info, see this question on Carry Trade: Why does Currency Carry Trade work?


I don't think you can really classify it as front running. Technically, the only information, that the alleged front runner in this case has over the followers is the knowledge of the trade itself. Knowledge of the trade may indeed be share price sensitive information (for some high volume traders or those respected and with many followers) but it's not really like they can't know about it before everyone else; parity isn't possible in this case. If an company/organisation (i.e. the social trading platform say) responsible for disseminating the details/log of a trader to a following (or individuals working for said company/organisation), were to act on the trading data before dissemination then THEY would be guilty of front running. The alleged front runner may profit from the following of course, but that's only really occurring due to the publication of information that is share price sensitive, and such information generally has to be published by law (if it is by law so classified) so it's difficult to find too much fault. There has to be a certain amount of consideration on the part of any trader as to who is more the fool, the fool or the fool that follows them?


Firstly if you've formed a limited company you don't need to register as self-employed.  You're an employee and shareholder of the company and your taxes will be handled that way. Registering as self-employed is only necessary if you're operating as a sole trader (i.e. without a company). Secondly you absolutely do want to get set-up correctly with HMRC as soon as possible, whether you're a company or a sole trader.  Ignoring the legal question your worry about paying taxes when you have no income is groundless - if you're not making any money there won't be any tax to pay.  Furthermore it seems likely that the business is currently losing money.  Those losses, if correctly recorded, can be carried forward and offset against future profits so not only do you not have to pay tax now, but you can reduce the tax you pay later when the money does start rolling in.


Mostly to play devil's advocate, I will recommend something different than everybody else. If you can pay off the entire $3,000 balance and are torn between saving that money somewhere that will earn a return and paying it off now to be debt-free, why not a little of both? What if you pay half now and then save the other half and make a big payment at the end. Essentially that becomes two $1,500 payments: one now, one right before the 0% due date. To me, the half up-front significantly reduces the risk, but leaves some cash available to grow.


Even if you could get it with no major hassle, $100,000 is just not that much money.  In a cheap third world country, as an expat you're looking at spending about $800-$2000/month, plus unexpected expenses. Locals live on less, but very few of us would be happy with the lifestyle of a Honduran or Thai farmer. Your 100k will last 4-10 years. This is hardly a great deal considering you're cutting off ties back home and almost becoming a fugitive. With USD going down the drain (e.g. in Thailand it went down 25% in 3 years), this period would probably be even shorter.  Of course, you could work in the new country, but if you do then you don't need 100k to start with. The initial amount may improve your security, but from that standpoint being able to go back and work in your home country is worth more.


The easiest way is almost definitely through a Canadian bank.  They can get your American credit history through Equifax.  American Express in Canada will have no problem giving you one if you have an American Express in the US, as well.  It would be easier if you went through TD Canada Trust since there's TD Bank NA in the States, or BMO since they own Harris Bank in the States.  Oh, and doesn't Bank of America have Canadian branches? I'm in the process of doing the reverse (getting US card when I'm from Canada).  I use XE Trade to transfer money -- the rates are great and it takes only 2 days for a transfer to go through if you use wire transfers ($25 charge) or online bill payment through the bank (free).


"You'd want the money to be ""liquid"" and ready for you to use when tax time comes around. You also don't want to lose ""principal"", i.e. if you put it into stocks and have the value of what you put in be less than what you invested—which is possible—when you need the money, again, at tax time. That doesn't leave you with many good choices or an amazingly good way to profit from investing your savings that you put aside for taxes.  CDs are steady but will not give you much interest and they have a definite deposit timeframe 6 months, 1 yr, 2 yrs and you can't touch it. So, the only reasonable choice you have left is an interest bearing checking or savings account with up to 1% interest (APR)—as of this writing Ally Bank offers 1% interest in an online interest savings acct.—which will give you some extra money on your deposits. This is what I do."


"This is the best tl;dr I could make, [original](https://insight.kellogg.northwestern.edu/article/how-to-revamp-the-visa-program-for-highly-skilled-workers) reduced by 90%. (I'm a bot) ***** > In Daniel Aobdia&#039;s view, the program should be revamped to better serve the most qualified foreign employees-especially those who possess special, hard-to-replicate skills-and the companies who want to hire them.  > The H-1B visa program, first introduced in 1990, was meant to allow U.S. companies to hire foreign workers with desirable skills, to fill the gaps in the labor market and help boost the economy.  > Whatever reforms the government makes to its H-1B visa program-an auction feature, a points-based system, or some combination of the two-Aobdia says the goal should be to create a situation in which American companies feel encouraged to hire the best and brightest, no matter what their country of origin may be.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6jhs7u/companies_want_to_hire_the_best_employees_can/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~152513 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **company**^#1 **visa**^#2 **work**^#3 **Aobdia**^#4 **system**^#5"


You should contact the Company who purchased your visa balance and ask/write the following questions:  1. Dispute the charge from Emusic.com as invalid. 2. Instruct that no future charges will be accepted.  3. How come Emusic.com was allowed to debit your account? 4.  When did they purchased your visa account? 5.  Ask for written verification that they purchased your account from the original company? such as a bill of sale? 6.  Ask if the company is a registered debt collector in your state? 7. The FAIR DEBT COLLECTION PRACTICES ACT (FDCPA) may apply to your circumstance(s) and provide for $1,000 in damages to the consumer and $1,000 attorney fees from a third party debt collector per violation. You may want to seek the advice of an attorney  to help determine if you have a good cause to sue the company and Emusic. If you did not receive anything form Emusic.com or your contract/agreement ended without a cancelation/early termination fee,  ALso, file a written dispute with Emusic.com.  Check your credit report.   Many companies automatically charge your accounts through automatic payments after termination of the agreement because they get away with it in the U.S., if the consumer does not take steps to dispute the current charge and stop future charges from occurring in the future. Never use auto pay unless required and the service is essential.  When using auto pay use a dedicated account not your main checking account. It is less of a pain in the neck to close the account if its your 2nd or 3rd checking account and not your only account.


Fortunately, I enjoy veggie burgers a lot more than real burgers. Black bean burgers especially. Occasionally I'll go have a real meat burger once a month maybe when I go to five guys but that's about it.  If you haven't tried veggie burgers, I highly recommend it. If you like it, it will benefit you health wise. If you don't like it, try a different kind of veggie patty.


Wonder if it's because growth is slowing and Bezos realized he needs to do a deal to keep the stock price going.  Not a terrible idea in the short-term perhaps. Lower prices on premium foods to juice growth. Analysts are happy, investors are happy.


"The thing is, most people *don't care*.    They think - for some reason - that Amazon is their ""friend"".    I hear lots of stories about how ""Amazon's customer service is so awesome!""  Well, yeah, because they don't really care all that much about making a buck - and so far look how well it's worked out.  Bezos is worth insane billions.  They're not doing it to make profits, they're doing what they're doing because little Jeffey wants more $$ in his pocket."


What somebody is paid is directly tied to the worth they generate for their employer.  Management consultants, investment bankers, etc actually generate significant value for their employer.  The supply of people that can do these types of jobs is fairly small.  Supply and demand sets salaries.  The largely government-sector jobs that Reich mentions require the theft of wealth from the private economy in order to staff.  Jobs that have true value to society, such as teachers, hospital staff, etc, can and do find private funding without government coercion.  The best teachers make hundreds of thousands, if not millions of dollars, in private educational institutions.


In my experience dealing with credit cards and store cards, you may find that the store card is much more flexible than the credit card in terms of the enforcement of the card agreement.  For instance, I've missed payments on credit cards and only been 1 day late and saw a rate increase, but on a store card when the same thing happened, it was like they didn't even notice.  Granted, this was a 100% store card with no VISA/MC logo on it, and it was through their bank. This may not be true of all store cards and your experience may differ, but I felt like the store card was more of a tool for acquiring the merchandise and helping the store make a sale than it was for some big bank to make money off of my interest. With credit cards, you are the product, and the bank makes money purely from interest. The store, on the other hand, makes money from selling the product, and credit helps increase sales. My suggestion is to avoid credit altogether as all debt is risk, but if you must use credit, you may have a better experience with the store card. Of course, don't forget to consider the interest rates, payment plan, and other fees that may apply as they may affect your decision in terms of which to go with.


Some have suggested you can put the money in the 401k then take a loan to pay off the student loan debt.  Some things to consider before doing that: Check your 401k plan first.  Some plans allow you to continue paying on a loan if you leave the company, some do not.  If you have to change jobs before you pay back the 401k loan, you may only have 90 days to completely pay the loan or the IRS will treat this as an early withdrawal, which means taxes and penalties.  If you don't have another job lined up, this is going to make things much worse since you will have lost your income and may owe even more to the government (depending on your state, it may be up to 50% of the remaining amount).  There are ways to work with some student debt loans to defer or adjust payments.  There is no such option with a 401k plan. This may change your taxes at the end of the year.  Most people can deduct student loan interest payments.  You cannot deduct interest paid to your 401k loan.  You are paying the interest to yourself though.   It may hurt your long term growth potential.  Currently loans on 401k loans are in the 4% range.  If you are able to make more than 4% inside of your 401k, you will be losing out on that growth since that money will only be earning the interest you pay back. It may limit flexibility for a few years.  When people fall on hard times, their 401k is their last resort.  Some plans have a limit on the number of loans you can have at one time.  You may need a loan or a withdrawal in the future.  Once you take the money out for a loan, you can't access it again.  See the first bullet about working with student loan vendors, they typically have ways to work with you under hard circumstances.  401k loans don't. Amortization schedule.  Many 401k loans can only be amortized for a max of 5 years, if you currently have 10 year loans, can you afford to pay the same debt back in 1/2 the time at a lower rate?  You will have to do the math. When considering debt other than student loans (such as credit cards), if you fall on hard times, you can always negotiate to reduce the amount you owe, or the debt can be discharged (with tax penalties of course).  They can't make you take money out.  Once it is out, it is fair game. Just to clarify, the above isn't saying you shouldn't do it under any circumstances, it is a few things you need to evaluate before making that choice.  The 401k is supposed to be used to help secure your financial future when you can't work.  The numbers may work out in the short term, but do they still work out in the long term?  Most credit cards require minimum payments high enough to pay back in 7-10 years, so does shortening that to 5 (or less) make up for the (probably early) years of compounding interest for your retirement?  I think others have addressed some of this so I won't do the math. I can tell you that I have a 401k loan, and when things got iffy at my job for, it was a very bad feeling to have that over my head because, unlike other debts, there isn't much you can do about it.


Given the listed expenses, this problem will not have a nice solutions. So lets quickly go through them and see when the most pressing ones can be dealt with: Solved within 1 year: 900 Solved within a few years: 1300: 900+400 You may be able to save a couple of hundred on the rest, but just take a minute to look at the above. Within 1 year she will be able to 'break even' and within a few years she will be able to live fairly comfortably.  She will eat through her funds in about 10 months, which should coincide with the end of the tuition costs. If you could just sponsor her a little bit, or just be there for her in case of unexpected expenses, she should make it till the end of the year after which things are looking up and she will have a healthy surplus each month.  Soon you and your sister can probably help her build up a nice buffer quickly, after which her worries should be over.


Ganhe uma renda extra sem sair de casa Descubra os Segredos para que seu Computador se Torne uma Maquina de Ganhar Dinheiro na Internet, Trabalhe na Internet em sua casa nas horas livres com seu Computador e tenha uma renda superior a R$ 5.000,00 por Mês.


I am going to. Like I said I have not traded options much in general, but I can see a lot of potential in derivatives in general, and it makes me kind of grin. In the case of commodities, the advantages are really apparent. The only problem I see with stock options is that they expire, and thus if you are more long term bull on a stock, it would be harder. But for things like commodities, that are shorter term any ways and require margin, it makes a lot of sense IMO. I could see how you could gain a larger diversification through options (being able to bet on Russell 2000, S&P, etc. ) or esoteric markets (electricity).   I will look up that book that you mentioned. Thanks man.


The strategy looks good on paper but in reality, the 150 call will have some time value particularly if it has got some time to mature. Let us say this time value is 0.50 , so the call costs 3.50.   If the stock stays above 150 (actually above 149.50) , by the expiration of the call, you will lose this 0.50 . Then you need to keep buying calls over and over and hope one day a big down move will more than make up for all this lost premium. It is possible, but not entirely predictable. You may get lucky, but it may take many months to produce a significant move to make up for all the lost premium. If a big down move were to happen and the market had any indication of that in advance, that would be priced into the call already, so the 150 call may cost 4$ or 4.50$ if the market had wind of a big move. (a.k.a high implied volatility)


FYI, it's not my article. But to respond....   > What if it contributed to a planet that did not get destroyed, thereby maintaining a better business climate (pun intended) for the future?* FTFY   The point being made is that it isn't the purpose of a business to contribute to a planet not getting destroyed. That is the purpose of a scientist/non-profit/governmental organization. The point being made is that a business is losing its true focus and thus undermining its purpose if it tries to do anything other than maximize profits. I'm NOT saying I agree with that, but that's my take on what they're saying.


As other uses have pointed out, your example is unusual in that is does not include any time value or volatility value in the quoted premiums, the premiums you quote are only intrinsic values.  For well in-the-money options, the intrinsic value will certainly be the vast majority of the premium, but not the sole component. Having said that, the answer would clearly be that the buyer should buy the $40 call at a premium of $10.  The reason is that the buyer will pay less for the option and therefore risk less money, or buy more options for the same amount of money.  Since the buyer is assuming that the price will rise, the return that will be realised will be the same in gross terms, but higher in relative terms for the buyer of the $40 call.   For example, if the underlying price goes to $60, then the buyer of the $40 call would (potentially) double their money when the premium goes from $10 to $20, while the buyer of the $30 call would realise a (potential) 50% profit when the premium goes from $20 to $30. Considering the situation beyond your scenario, things are more difficult if the bet goes wrong.  If the underlying prices expires at under $40, then the buyer of the $40 call will be better off in gross terms but may be worse off in relative terms (if it expires above $30).  If the underlying price expires between $40 and $50, then the buy of the $30 will be better off in relative term, having lost a smaller percentage of their money.


If enough businesses behave like Bigot Bobby, then even though everyone is acting without coercion, the natural rights of the Jews who must live as second class citizens have certainly been lost.   The fact that private clubs are exempted from these rules makes perfect sense--these are not businesses normally open to the public. It's apples and oranges. And comparing an actual church to a church-run business like a hospital (the type of business affected by the Obama legislation you allude to) is also inappropriate for the same reason.  It would certainly be nice to live in a world where everyone was free from coercion of any kind. But unless we abridge the rights of those with wealth and power to oppress others through economic means, the result will always be a large group of impoverished citizens that lack realistic opportunities for improvement. Being FORCED to live life as a second class citizen is FAR WORSE than being forced to do business with people you prefer to shun. Force of circumstance can limit your personal freedom every bit as much as force of law.  If you have any ideas about how to ensure all citizens have a realistic opportunity for success without any government intervention in the economy I'm all ears. In my ten years as a Libertarian I never found a realistic answer to this question and that is why I had to move from ideology to pragmatism. Libertarianism sounds excellent in theory, but in practice it would only make things worse for everyone but the very rich.


> fucked over all local coffee shops  Planning permissions aside, I would think the consumers of Brighton did that, not Starbucks. Or did they offer free coffee until all the other coffee shops went bust?  But what do I know, I prefer McDonalds coffee to Starbucks.


the difference would be taxes...  Lets say you have two lots, one with a 10 dollar gain, and one with a 20 dollar gain.  And lets say you decide to sell one lot this year, and the other lot in 10 years.  AND, lets say that it turns out the stock price is exactly the same in ten years as it is when you sell the first lot. In all likelyhood, you'll have more income, and therefore you are likely to be in a different marginal tax rate.  If you believe that you're more likely to pay more taxes in 10 years, then sell the lot with the higher gain now.  If you believe you're more likely to pay more taxes now, then sell the lot with the lower gain now.


People don't seem to understand that requiring every consumer product to be easily dismantled and then reassembled will stifle innovation.  If there is a demand for  device like that, the free market will address it.  Otherwise you're just making everyone deal will a hobbled item so that *some* who want to fiddle with it can do so.


First, this was never an arrangement for you to build equity, this was an arrangement for them to speculate on another house under the guise of teaching you a life lesson like responsibility or something contrived. The only way you profit from this is if the value of the house goes up and you sell it. You get 25% of the proceeds, maybe. If this was an equitable arrangement then they would be paying 75% of the property taxes and a little more for your maintenance efforts.


I'll repost a [comment I posted the other day](https://www.reddit.com/r/AskUK/comments/6pmtzr/askuk_weekly_what_makes_0_sense_to_you/dkv8qg6/?context=2) regarding Snapchat, as it fits just as well here....  > > Ah, snapchat before it got monetised.  > I don't even think it's that.  > Tech companies that become popular tend to go on hiring sprees and all those new developers feel compelled to justify their existence within the company. As such they start churning out additional 'features' that nobody asked for and which only serve to complicate their service and turn their product into the very thing people were trying to get away from when they started using the service in the first place.  > ...then the 'next big thing' comes along and the cycle repeats.


China also doesn't have political parties with polar-opposite ideas about the economy and who constantly try to undo each other's work every time an election comes around.  If the American political system didn't waste so much time with internal squabbling the country would be better off by miles.


">education that allows someone to build, create and maintain  That's what trade schools are for.   >Having an educated populace that does nothing  There is no educated populace that does ""nothing"" at this point in time.   In any case, an educated populace is crucial to avoid things like our current political climate, where people fall for propaganda and think satire websites are true news."


I agree.  This is far worse than Wells Fargo and Tylenol.        Their core business is data.  That is all they offer.  Data must be secure and accurate.   They failed on the secure part.  The hackers may as well start offering credit scores to vendors for free, they have the data.       Why would any customer (we aren't customers, credit providers are), use Equifax moving forwards?  There are 2 perfectly acceptable replacements.       Only way Equifax survives is rebranding.   Senior management at banks across the country are having meetings with their legal departments to discuss liability concerns of continuing to use Equifax.  What if there is another breach, could the bank be sued for leaking consumer data, after they knew Equifax hires Musicians to manage data security?


Look, honestly, I don't care how much they make. Its a tough job and they're working a lot of hours. I'm glad they make this much money, that means they're having a good life. The fact that they are earning this money does not invalidate the fact that a lot of teachers and military personnel do not live as well. That is the problem. We don't have to take from these guys to give to another. We need to take from the people that are hoarding the wealth in this country.  This is obviously a story, I don't want to say planted, but most certainly encouraged by special interest to once again stir up anti-union outrage and make us 99%s fight amongst ourselves over the few crumbs that the 1% let drop down to us.  The problems in this country are not because a few transit cops figured out a way to gets some extra money, it's because we allow 400 people to have all the money when everyone else gets none.


What you're referring to is Visa Easy Payment Services (VEPS). Other payment processors have similar programs. Basically, certain merchants (based on merchant category code - or MCC), are not required to obtain a signature under $50. This limit was raised to $50 from $25 last year. Here is the press release from Visa describing the increase, and the program in general.


"In addition to the advice of @karancan, If you wish to stay strictly with GICs, there are better ways to find good GIC rates, than looking at advertising from institutions you are already dealing with. This site, http://www.globeinvestor.com/servlet/Page/document/v5/data/rates?order=d&pageType=gic_long&sort=IR1&page=1&tax_indicator=N (among others) display impartial GIC rates for many institutions and terms of investment, in sortable form. Many of these institutions allow on-line purchases and transfers, requiring only a ""regular"" bank account as a source/destination for on-line transfers..."


After a 6% commission to sell, you have $80K in equity. 20% down on a $400K house.  5% down will likely cost you PMI, and I don't know that you'll ever see a 3.14% rate.  The realtor may very well have knowledge of the cost to finish a basement, but I don't ask my doctor for tax advice, and I'd not ask a realtor for construction advice. My basement flooring was $20/sqft for a gym quality rubber tile. You can also get $2/sqft carpet. I'd take the $15K number with a grain of salt until I got real bids. What's there now? Poured cement? Is there clearance to put in a proper subfloor and still have adequate ceiling height? There are a lot of details that you need to research to do it right.  That said, the move to a bigger house impacts your ability to save to the extent that you are taking too large a risk. The basement finish, even if $20K, is just a bit more than the commission on your home. I like the idea of sticking it out. Once the nanny is gone, enjoy the extra income, and use the money to boost your savings and emergency funds.  As I read your question again, I suggest you cut the college funding in favor of the emergency fund. What good is a funded college account if you have no funds to sustain you through a period of unemployment?  There's a lot to be gained in holding tight for these 3 years. It seems that what's too small for 5 would be spacious once the nanny is gone and the basement added. The cost of a too-big house is enormous over the long run. It's going to rise in value with inflation, but no more, and has all the added costs that you've mentioned. On a personal note, I'm in a large house, with a dining room that's used 2 or 3 times a year, and a living room (different from family room) that is my dog's refuge, but we never go in there. In hindsight, a house 2/3 the size would have been ideal.   Finishing the basement doesn't just buy you time, it eliminates the need for the larger house.


Well, I believe some would argue that the governing structures are somewhat different, as a king is basically the top of an aristocracy, and a representative government is supposedly invested by a popular mandate to act as stewards of the people.  It's a polite fiction governments maintain, these days.


A great way to learn is by watching then doing. I run a very successful technical analysis blog, and the first thing I like to tell my readers is to find a trader online who you can connect with, then watch them trade. I particularly like Adam Hewison, Marketclub.com - This is a great website, and they offer a great deal of eduction for free, in video format. They also offer further video based education through their ino.tv partner which is paid. Here is a link that has their free daily technical analysis based stock market update in video format. Marketclub Daily Stock Market Update Corey Rosenblum, blog.afraidtotrade.com - Corey is a Chartered Market Technician, and runs a fantastic technical analysis blog the focuses on market internals and short term trades. John Lansing, Trending123.com - John is highly successful trader who uses a reliable set of indicators and patterns, and has the most amazing knack for knowing which direction the markets are headed. Many of his members are large account day traders, and you can learn tons from them as well. They have a live daily chat room that is VERY busy. The other option is to get a mentor. Just about any successful trader will be willing to teach someone who is really interested, motivated, and has the time to learn. The next thing to do once you have chosen a route of education is to start virtual trading. There are many platforms available for this, just do some research on Google. You need to develop a trading plan and methodology for dealing with the emotions of trading. While there is no replacement for making real trades, getting some up front practice can help reduce your mistakes, teach you a better traders mindset, and help you with the discipline necessary to be a successful trader.


"I experimented with Lending Club, lending a small amount of money in early 2008. (Nice timing right - the recession was December 2007 to June 2009.) I have a few loans still outstanding, but most have prepaid or defaulted by now. I did not reinvest as payments came in. Based on my experience, one ""catch"" is lack of liquidity. It's like buying individual bonds rather than a mutual fund. Your money is NOT just tied up for the 3-year loan term, because to get good returns you have to keep reinvesting as people pay off their loans. So you always have some just-reinvested money with the full 3 year term left, and that's how long it would take to get all your money back out. You can't just cash out when you feel like it. They have a trading platform (which I did not try out) if you want your money sooner, but I would guess the spreads are wide and you have to take a hit when you sell loans. Again though I did not try the trading platform. On the upside, the yields did seem fine. I got 19 eventual defaults from 81 loans, but many of the borrowers made a number of payments before defaulting so only part of the money was lost. The lower credit ratings default more often obviously, only one of 19 defaults had the top credit score. (I tried investing across a range of credit ratings.) The interest rates appear to cover the risk of default, at least on average. You can of course have varying luck.  I made only a slight profit over the 3 years, but I did not reinvest after the first couple months, and it was during a recession. So the claimed yields look plausible to me if you reinvest. They do get people's credit scores, report nonpayment on people's credit reports, and even send people to collections. Seems like borrowers have a reason to pay the bill. In 2008 I think this was a difference compared to the other peer lending sites, but I don't know if that's still true. Anyway, for what it's worth the site seemed to work fine and ""as advertised"" for me. I probably will not invest more money there for a couple reasons: However as best I could tell from my experiment, it is a perfectly reasonable place to put a portion of your portfolio you might otherwise invest in something like high-yield bonds or some other sub-investment-grade fixed income. Update: here's a useful NY Times article: http://www.nytimes.com/2011/02/05/your-money/05money.html"


In the absence of a country designation where the mutual fund is registered, the question cannot be fully answered.  For US mutual funds, the N.A.V per share is calculated each day after the close of the stock exchanges and all purchase and redemption requests received that day are transacted at this share price. So, the price of the mutual fund shares for April 2016 is not enough information: you need to specify the date more accurately. Your calculation of what you get from the mutual fund is incorrect because in the US, declared mutual fund dividends are net of the expense ratio. If the declared dividend is US$ 0.0451 per share, you get a cash payout of US$ 0.0451 for each share that you own: the expense ratio has already been subtracted before the declared dividend is calculated.  The N.A.V. price of the mutual fund also falls by the amount of the per-share dividend (assuming that the price of all the fund assets (e.g. shares of stocks, bonds etc) does not change that day). Thus. if you have opted to re-invest your dividend in the same fund, your holding has the same value as before, but you own more shares of the mutual fund (which have a lower price per share). For exchange-traded funds, the rules are slightly different. In other jurisdictions, the rules might be different too.


Dude, don’t worry what people are saying. Get the books, statements, or a lawyer. You have every right to the books as the other owners do.  As the saying goes, if they have nothing to hide why are they afraid of you looking at the books.  You can also demand a 3rd party audit,  trying to come up with a business solutions with out knowing the finances what fixes you can afford, etc etc.  come on man, MBA teach you it’s all about the money, and the stats.  If you don’t know the money knowing the stats don’t help much ;)


"This is a very shitty thing that happens.   BUt I wonder how much would it cost to farm these animals? What if these farmed animals ivory and leather/scales are price competitive when being farmed? Later on have a certifiable way to show they are from ""responsible"" sourcing.   That wouldn't threaten extinction (quite the opposite).   This would be a great exercise to check the viability."


"US Sanctions are usually very nuanced and you should look them up yourself.  It may be widely reported that ""US sanctions X-country"" and it may be widely understood that it means all funds from anybody in that country are blocked, that USUALLY isn't the case (or ""many times"" isn't the case, I'm not going to bother quantifying that) Many times it is a comprehensive list of certain individuals and businesses that are blocked. The US Treasury publishes a list of these organizations. This misinterpretation can trickle down to companies. You would think big financial companies understand regulations, but they typically just react to how things are reported and have no uniform understanding of the financial regulations they are subject to. Private companies create unique and arbitrary company policies in reaction to the spirit of a regulation. So could it be that all Iranians cannot interact with the US financial system? Sure, thats possible. Could it be a lot more nuanced? Sure. Does it matter if the broker will actually investigate your SSN with USCIS? Maybe, maybe not. Does it matter if you disclose you are a dual citizen if they claim they can just check your SSN?  The financial institution is the one liable for misinterpreting sanctions. Let the consequences guide your actions."


I am concerned that you are asking for help with questions regarding NPV. Sure you can regurgitate answers you found online for some of these questions, but if you legitimately don't understand such a basic financial concept like NPV while interviewing for a job in the financial sector, you're probably out of your league.


An hour isn't a long time to get your point across. It'll go by in the blink of an eye for you, and for them, especially if it's done well. So you just need to connect. Hit hard, get the points from your slide show in, and then delve in. Don't read from the slide show at the later part of your presentation, but instead go into detail from within. But for the beginning it's ok to kind of go through the points.    I don't know if this will make sense, as it's 4:18 here and I'm one eye open. Hopefully you can get something from it. Knock em dead!


">I'm glad we could have a reasonable discussion without descending into insults and intransigence ಠ_ಠ  ""Descending""?  You started out intransigent and insulting, so nothing really changed, did it?  >I don't know what ""problem got a LOT worse"" during Prohibition.   Add it to the stack of a lot of other things you are rather obviously ignorant of then.  >Use went down while quality and violence worsened. It was a net social negative, but it did what its proponents intended.  Wow. The ignorance there is just... palpable.  >Here's one way of understanding the ""developed"" world: there aren't large areas which are completely lawless.  Yeah, so you DID go there, didn't you.   Sorry, junior... no matter what BS you come up with, Mexico IS part of the ""developed"" world.  >I guess I'm just one of those sheeple who is concerned about hard drug abuse, and I don't equate them alcohol or even marijuana.  You're just a drone like all the rest of the drones... you unthinkingly accept & regurgitate whatever the current ""politically correct"" memes are."


"Buffet could easily take the lead here by starting a company solely dedicated to paying off people's mortgages using his own money. Oh wait he wants government to take away money from his rivals and potential upstarts because he isn't going to put into action anything he is talking about for himself.   P.S. Buffet could also very easliy dismantle the shield he is using to shelter the vast bulk of his wealthy in the form of the ""non-profit"" he and Bill Gates created and simply write debt riddle state governments (of there own doing and design) like Illinois massive checks but again that would require effort and putting HIS money where his mouth is in the long run."


The laws as written at the time required a pretty high burden of proof to show fraud.  There were a lot of words like having to show intent or foreknowledge of the risks for it to be illegal. Those are always tough cases to win, and the regulators themselves were reluctant to ride the banks too hard because that just reinforces the regulators own incompetence.


Buy products that can be stored for a long time or require thorough thermal processing. For example, you can buy frozen chicken meat in two pounds packs - it can be stored in a freezer for half a year, then you roast it and after it cools down you can put it into a fridge and it will last for up to ten days. Just about anything that you've roasted or boiled for several dozens minutes can be stored in a fridge for at least five days - its taste will get slightly worse over time, but it still preserves nutrition value and is safe to eat.


This can be a case of someone trying to use your identity to obtain credit.  I would put a fraud alert on my credit immediately.  I went through something similar... got denial letters for credit I didn't apply to.  A few months later I get hit with a credit ding from a pay day loan company that apparently allowed the thief to get a loan who obviously didn't pay it back.  I had no contact with this company before they put the lates on my credit and it took over a year to get this cleaned up.  Apparently this loan was obtained about a week after I got the first denial letter so if I put a fraud alert on immediately it would have most likely stopped this fraudulent pay day loan before it happened.


You're correct. If you have no option position at execution then you carry no risk. Your risk is only based on the net number of options you're holding at execution. This is handled by your broker or clearinghouse. Pretend that you wrote 1000 options, (you're short the call) then you bought 1000 of the same option (bought to cover) ... you are now flat and have zero options exposure. Pretend you bought 1000 options (you're long the calls) then you sold 1000 of them (liquidated your long) ... you are now flat and have zero options exposure.


People who drive long distances tend to do more of their driving on larger, well-built roads (freeways / motorways) that are designed for high-speed driving. Although some people find them intimidating, they are much safer in terms of accidents per kilometre driven for several reasons:


They mean the OS, and they have a point. Thanks to Steve Ballmer, Microsoft lost its technical leadership across the board - he could never come up with anything new, only follow everyone else. When a product group *did* come up with something new, he had no clue how to execute on it to make it successful, so it withered and died on the vine.   Now Nadella is so obsessed with the Cloud he's completely neglecting the desktop, so it's just sitting there trying to light its own farts on fire. With everyone moving applications to containers (whether it's the phone, tablet, TV, game console, browser or... virtual assistant) Windows is becoming irrelevant.   If we get to a point where *all* the code you want to interact with is hosted in one of the containers above, why bother running Windows at all? Get a linux or IOS or Chromium notebook or desktop that does nothing but boot up the app container you need.