Credit Cards when I can.  The reason if there is fraud or disputed charges (like I very much disagree with the cell phone charge) a debit card is already gone and I have to get the money back, versus a credit card where I haven't paid anybody anything.


The plan doesn't make sense.  Don't invest your money. Just keep it in your bank account. $5000 is not a lot, especially since you don't have a steady income stream. You only have $1000 to your name, you can't afford to gamble $4000. You will need it for things like food, books, rent, student loans, traveling, etc. If you don't get a job right after you graduate, you will be very happy to have some money in the bank. Or what if you get a dream job, but you need a car?  Or you get a job at a suit & tie business and need to get a new wardrobe? Or your computer dies and you need a new one? You find a great apartment but need $2500 first, last & security? That money can help you out much more NOW when you're starting out, then it will when you're ready to retire in your 60's.


It sucks but sometimes you just have to flat out be an asshole to people. Ive told people to post that drivel on r/Occupywallstreet and leave it out of the business related forums where people actually know whats going on. Sucks but gets the job done. I would encourage you to check out r/finance and see what you think about our stuff.


There contracts called an FX Forwards where you can get a feel for what the market thinks an exchange rate will be in the future.  Now exchange rates are notoriously uncertain, but it is worth noting that at current prices market believes your Krona will be worth only 0.0003 Euro less three years from now than it is worth now. So, if you are considering taking money out of your investments and converting it to Euro and missing out on three years of dividends and hopefully capital gains its certainly possible this may work out for you but this is unlikely.  If you are at all uncertain that you will actually move this is an even worse idea as paying to convert money twice would be an additional expense on top of the missed returns. There are FX financial products (futures and forwards) where you can get exposure to FX without having to put the full amount down.  This could help hedge your house value but this can be extremely expensive over time for individual investors and would almost certainly not work in your favor. Something that could help reduce your risk a bit would be to invest more heavily in European even Irish (and British?) stocks which will move along with the currency and economy.  You can lose some diversification doing this, but it can help a little.


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LOL!!!! The stock market is reaching new heights only just because of confidence with Trump. And the economy is doing great and improving under Trump.  Remember, one wrong move or one wrong saying from Trump and the stock market goes down.  But, what goes up, must come down, and I am sure it will not be because of Trump.   It would be some messy corporate dysfunction (e.g. Saving and Loans in the past, Car companies facing bankruptcy in the past, tech bubble in the past, subprime loans, and other irresponsible economic mishandling not due to the president).  In any case, it will be a correction and not a crash, because the economy is good and improving, and will improve due to Trump.


">  So now instead of just businessman A buying materials he has two other buyers looking to utilize a scarce amount of resources  Well yes, but this can be a good thing. Those ""resources"" are often employees, so we're talking about higher employment.  > The problem is interest rates that are not set by the market, but by a centralized bureau who couldn't possibly have enough information to determine what the cost of financing should be.  No, only the base rate is set centrally. Banks can and always do charge more than this, with rates set by market competition."


No, it's not all long-term capital gain.  Depending on the facts of your situation, it will be either ordinary income or partially short-term capital gain.  You should consider consulting a tax lawyer if you have this issue. This is sort of a weird little corner of the tax law.  IRC §§1221-1223 don't go into it, nor do the attendant Regs.  It also somewhat stumped the people on TaxAlmanac years ago (they mostly punted and just declared it self-employment income, avoiding the holding period issue).  But I did manage to find it in BNA Portfolio 562, buried in there.  That cited to a court case Comm'r v. Williams, 256 F.2d 152 (5th Cir. 1958) and to Revenue Ruling 75-524 (and to another Rev. Rul.).  Rev Rul 75-524 cites Fred Draper, 32 T.C. 545 (1959) for the proposition that assets are acquired progressively as they are built.  Note also that land and improvements on it are treated as separate assets for purposes of depreciation (Pub 946). So between Williams (which says something similar but about the shipbuilding industry) and 75-524, as well as some related rulings and cases, you may be looking at an analysis of how long your property has been built and how built it was.  You may be able to apportion some of the building as long-term and some as short-term.  Whether the apportionment should be as to cost expended before 1 year or value created before 1 year is explicitly left open in Williams.  It may be simpler to account for costs, since you'll have expenditure records with dates. However, if this is properly ordinary income because this is really business inventory and not merely investment property, then you have fully ordinary income and holding period is irrelevant.  Your quick turnaround sale tends to suggest this may have been done as a business, not as an investment. A proper advisor with access to these materials could help you formulate a tax strategy and return position.  This may be complex and law-driven enough that you'd need a tax lawyer rather than a CPA or preparer.  They can sort through the precedent and if you have the money may even provide a formal tax opinion.  Experienced real estate lawyers may be able to help, if you screen them appropriately (i.e. those who help prepare real estate tax returns or otherwise have strong tax crossover knowledge).


"According to US News, renter's insurance does cover liability as well as your own belongings.  They list this as one of four ""myths"" often promulgated about renter's insurance.  This is backed up by esurance.com, which explicitly mentions ""Property damage to others"" as covered.  Nationwide Insurance says that renter's insurance covers ""Personal liability insurance for renters"" and ""Personal umbrella liability insurance"".  Those were the first three working links for ""what does renters insurance cover"" on Google.   In short, while it is possible that you currently have a different kind of coverage, this is not a limitation of renter's insurance per se.  It could be a limitation in your current coverage.  You may be able to simply change your coverage with your current provider.  Or switch providers.  Or you may already be covered.   Note that renter's insurance does not cover the building against general damage, e.g. tornado or a fire spreading from an adjacent building.  It is specific to covering things that you caused.  This may be the cause of the confusion, as some sources say that it doesn't cover anything in the building.  That's generally not true.  It usually covers all your liability except for specific exceptions (e.g. waterbed insurance is often extra)."


What are single stock futures? Futures that are based on a single underlying stock value? What is the norm in this case then? A basket of stocks of companies that work in similar fields, thereby allowing you to bet on the fate of a particular market(like betting against the oil industry after learning of the fact that solar energy has become very cheap?)?  Also, won't the price of the stock of the company itself be a more accurate indicator and helper in the price discovery process(say, BP stock price goes down and GreenEnergyInc.'s value goes up?) than the price of a derivative based ON it?  EDIT: You have already answered the aforementioned question in your original reply.


You should not seek a kind of debt just for it's appearance on your credit report.  If you don't need an auto loan don't get an auto loan. Getting a credit card for the purpose of building credit is a little bit of a different animal because you can use a credit card such that you never pay any interest or fees.  With a loan, you will pay interest.  Altering your score by paying interest doesn't provide you with a net benefit. With that said, depending on the auto loan rate you may want to accept the loan just to fee up your capital.  Some promotional rates are so low you may even make money leaving the cash in a regular savings account.  But don't let your credit score wag the dog.


> But to answer your question, the two factors you mention are positively correlated, not negatively as you postulate.   I'm not sure if there's necessarily any correlation. I'm merely stating the fact that they have so much savings that they must export capital but at the same time, they've ramped up domestic debt to somewhere around 300% of GDP which, I don't know why you say it isn't a lot, but it's probably twice the level of the average developing country.  Wealth is probably very overstated, but the mechanism for why this has happened is confusing to me.


I still don't understand. What's your exact role in all this? Do you own a plot of land that you want to sell them? Or are you just a bystander with an idea that you'd like to share? Or do you want to open a hotel yourself but need their help?


As long as you have a emergency fund, I'd stop 401k contributions immediately and use that money to fund school (as much as you can). Student loans are dangerous - they're very difficult to discharge in a bankruptcy, and eat into your savings for a long time. It may even be better to defer school for a year while the debt gets paid off and you can get an emergency fund built up.


You can try paper trading to sharpen your investing skills(identifying stocks to invest, how much money to allocate and stuff) but nothing compares to getting beaten black and blue in the real world. When virtual money is involved you mayn't care, because you don't loose anything, but when your hard earned money disappears or grows, no paper trading can incite those feelings in you. So there is no guarantee that doing paper trading will make you a better investor, but can help you a lot in terms of learning. Secondly educate yourself on the ways of investing. It is hard work and realize that there is no substitute for hard work. India is a growing economy and your friends maybe safe in the short term but take it from any INVESTOR, not in the long run. And moreover as all economies are recovering from the recession there are ample opportunities to invest money in India both good and bad. Calculate your returns and compare it with your friends maybe a year or two down the lane to compare the returns generated from both sides. Maybe they would come trumps but remember selecting a good investment from a bad investment will surely pay out in the long run.  Not sure what you do not understand what Buffet says. It cannot get more simpler than that. If you can drill those rules into your blood, you mayn't become a billionaire but surely you will make a killing, but in the long run. Read and read as much as you can. Buy books, browse the net. This might help. One more guy like you.


I work in finance and I think the biggest mistake you are making at 15 years old is saying that you specifically want to be a financial advisor.  I'm not trying to say the job is awful...but most people who are interested in finance would not at all want this job. You will spend 90% of your time trying to find clients. Most of the time it will be through cold-calling people on the phone through some leads you either get through your agency or you paid for online. Or, you have to start annoying friends and family (never do this). For most people, the job is not about finance and it sucks. Once you finally get a client, now you have a conflict of interest in that you want to sell them the high-commission products so that you get paid, but its often not the best product for them. Its actually very easy to become a financial planner, extremely hard to become a successful one.   Instead, what I would do, is consider the wider field of finance. There is so much more to finance than being a financial planner. Do you want to become an expert on stocks? Consider equity research. Do you want to help companies fix strategic problems and make a ton of money? Consider consulting. Do you want to help companies raise money by going public? Consider investment banking. You can google the different types of careers online.


Venezuela is an interesting example, because one of the main drivers behind the crisis was a decade's long drought that caused the hydroelectric reservoirs to fall below critical intake levels. Not only was their agricultural industry crippled by drought, and not only were the city taps dry, but on top of that they had to cut the work week short and ration electricity. They couldn't even use oil to generate electricity, since they'd moved away from it in order to increase exports. In their case, diversifying from oil and heavily investing into hydroelectric power actually made the crisis far worse.  Which is what is so scary about global warming. What happens when Lake Mead goes dry?


I know some companies or entities have large incomes or expenses at certain times of the year, and like to close their books after these large events.  For example where I work,  the primary seasonal income comes after summer, so our fiscal year ends at the last days of October.  This gives the accountants enough time to collect all the funds, reconcile whatever they have to, pay off whatever they have to and get working on a budget for the next year sooner than a calendar year would. There also might be tax reasons.  To get all of your income at the beginning of your fiscal year, even if that is in the middle of the calendar year would allow a company to plan large deductible investments with more certainty.  I am not to sure of the tax reasons.


"Hobby expenses are not tax deductible.  Business expenses are, but only if it's a bona fide business.  First they look at profitability: if you reported a net profit (i.e. paid taxes) in your first 3 years, they will believe you rant on Youtube for a living.   Remember, by the time they get around to auditing you, you'll likely be well into, or through, your third year.   There is an exception for farms.  Other than that, if you lose money year after year, you better be able to show that you look, walk and quack like a business; and one with a reasonable business reason for delayed profitability.  For instance Netflix's old business model of mailing DVDs had very high fixed infrastructure expense that took years to turn profitable, but was a very sensible model.  They're fine with that.  Pets.com swandived into oblivion but they earnestly tried. They're fine with that too.  You can't mix all your activities. If you're an electrician specializing in IoT and smart homes, can you deduct a trip to the CES trade show, you bet.  Blackhat conference, arguable.  SES?  No way.  Now if you had a second business of a product-reco site which profited by ads and affiliate links, then SES would be fine to deduct from that business.  But if this second business loses money every year, it's a hobby and not deductible at all.  That person would want separate accounting books for the electrician and webmaster businesses.  That's a basic ""duck test"" of a business vs. a hobby. You need to be able to show how each business gets income and pays expense separate from every other business and your personal life.  It's a best-practice to give each business a separate checking account and checkbook. You don't need to risk tax penalties on a business-larva that may never pupate.  You can amend your taxes up to 3 years after the proper filing date.  I save my expense reciepts for each tax year, and if a business becomes justifiable, I go back and amend past years' tax forms, taking those deductions.  IRS gives me a refund check, with interest!"


"The basic theoretical reason for a company to return money to shareholders is that the company doesn't need the money for its own purposes (e.g. investment or working capital). So instead of the company just keeping it in the bank, it hands it back so that shareholders can do what they think fit, e.g. investing it elsewhere. In some cases, particularly ""private equity"" deals, you see companies actively borrowing money to payout to shareholders, on the grounds that they can do so cheaply enough that it will improve overall shareholder returns. The trade-off with this kind of ""leveraging up"" is that it usually makes the business more risky and every so often you see it go wrong, e.g. after an economic downturn. It may still be a rational thing to do, but I'd look at that kind of proposal very carefully. In this case I think things are quite different: the company has sold a valuable asset and has spare cash. It's already going to use some of the money to reduce debt so it doesn't seem like the company is becoming more risky. Overall if the management is recommending it, I would support it. As you say, the share consolidation seems like just a technical measure and you might as well also support that. I think they want to make their share price seem stable over time to people who are looking at it casually and won't be aware of the payout - otherwise it'd suddenly drop by 60p and might give the impression the company had some bad news. The plan is to essentially cancel one share worth ~960p for every payout they make on 16 shares - since 16x60p = 960p payout this should leave the share price broadly unchanged."


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That might be a generational difference. For us, as long as we know where to find the equations, what's the point in knowing a formula if you're not using it on a regular basis. It's much more prudent to know where to find the formulas you might need in the future or where to find the methods to derive them, and have the ability to do this as opposed to remembering the steps or the formulas by rote. The information is usually seconds away, the skills are not.


Your over-thinking this.  As long as the owner has the title and the vehicle is titled in there name they can sign it over to you then you can take it to the DMV and put it in your name. If they do not own the vehicle because they are still making payments then you will also need the signature from their bank or lien holder. You can ask to see their ID to verify they are the owner marked on the title. I've bought ~10 vehicles in the last 5 years and never had a problem doing it this way, my experiences have all been in California.


http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf if you are in the US Look at section 805 and 805 about how they may contact you and what they are and aren't allowed to do. You can simply send a Certified Mail, Return Receipt (CMRR) letter explaining you have no part of it, and that they are not allowed to contact you by any means other than in writing from this point forward. Then you can either put return to sender on the letters (it costs them money) or open them and delete anything you don't need.


When prices get to a point where it's *beyond* crazy. There's a good price, a cheap price, a crazy cheap price and there's beyond crazy cheap. Something that happens maybe every 10 years or so.  Also be prepared to lose your home if it doesn't work out.


"The answer was provided to me at the Gnucash chat by ""warlord"". The procedure is as follows: After doing this you will have:"


"The article misses one thing.  The aftermarket automotive parts makers.  Small scale car makers indeed did fall to the big players, but customization has existed nearly as long as cars themselves.  From sponsored performance specialists like Carroll Shelby to the backyard mechanic making lifters for his Jeep, the ""long tail"" is exactly the same as that of the Lego.  Companies like Lego encourage it and digital distribution of specs, standards, and physical merchandise make it much more prevalent, but it's nothing new, and certainly not recent.  Making a quality product and insuring that smaller producers down the line *want* to drive sales of your product is just smart."


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Thanks for the answer/comments! The time-based method was something we mooted and something I almost went with. But just to wrap this up, the method we settled on was this: Every time there is an entry or exit into the fund, we divvy out any unrealised market profits/losses according to each person's profit share (based on % of the asset purchased at buy-in) JUST BEFORE the entry/exit. These realised profits are then locked in for those particpants, and then the unrealised profits/loss counter starts at zero, we do a fresh recalculation of shareholding after the entry/exit, and then we start again. Hope this helps anyone with the same issue!


There are legitimate reasons: I wouldn't jump the gun and assume that this person is avoiding taxes, etc. Barbers are usually licensed professions. Since it's generally a cash business, they tend to get audited more often by the tax authorities. That said, I wouldn't pay her with a check -- you have no idea who is actually cashing the check, and you could run into issues with unknown third parties misusing your account information.


"Because it is a Roth IRA (not traditional), you never pay penalties for withdrawing any amount up to your total contributions amount. This is because you are funding it with after tax money. But it sounds like your Roth had $11K in it and you zeroed it out? If you were less than 59.5 years old at the time you made the withdrawal, then if you did not return anything to the account, then you would pay tax on the 6K as income this year at your normal tax rate, plus an additional 10% penalty on that 6K ($600). The 5K in contributions is not taxable. Now, since it's been more than 60 days since you withdrew the money, you cannot put the 6K in earnings back in without paying the penalty, however, you can still contribute $5500 per year (or $6500 if you're over 50). So, you can put back $5500 and then you would only have to pay tax + 10% on the $500 difference. Update: I would recommend talking to an accountant. The fact that you intended to buy a house might provide a mechanism for getting the money back in if you wish. If this was your first house or you have not owned a home in the last 2 years, then you would be considered a ""first-time homebuyer"" and there is a special exception allowing you to remove 10K without penalty. If you end up not purchasing the home, you have 120 days to contribute those funds back in (treated as a rollover- thank you littleadv for the link to this). As for the final 1K overage, I believe you can count that towards your $5500/yr contribution when you put the entire amount back. Lastly, after digging into this, you have hit so many edge cases with your scenario (6K in earnings being between 5500 for under 50 and 6500 for over 50, it's been 70 days which is between the 60 day normal cutoff and the 120 day extended cutoff for home purchase falling through, and 11K total being just over the 10K cutoff for the same), that I'm starting to wonder if this is some sort of contrived case for an accounting exam!?"


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Assuming that it's not inventory that is sold in the following year or a depreciable asset, you can deduct it when you make the purchase. The courts have ruled that credit cards balances are considered debt. It's treated the same way as if you went to the bank, got a loan, and used cash or a check to purchase the items. On your accounting books, you would debit the expense account and credit the credit card liability account. This is only for credit cards, which are considered loans. If you use a store charge card, then you cannot deduct it until you pay. Those are considered accounts payable.  I'm an IRS agent and a CPA.


For the financial year 1 April 2014 to 31 March 2015 as you have / will be spending more than 182 days outside of India, you are Non-Resident from tax point of view. For the period 1 April 2014 to Aug 2014, any salary / income you have earned in India is taxable and tax need to be paid. For the period Aug 2014 to 31 March 2015 the income you have earned in Saudi is not taxable in India. You can transfer money to India or keep in Saudi, it has no effect on the taxes. Any interest income you earn, or rental income you earn, or any other source of income in India is taxable. You would need to file returns accordingly. An NRE Accounts allows you to transfer funds out of India without any questions. So if you intend at some point in time in future to move funds out of India [say settling down in Saudi or UK or US etc] it is advisable to have NRE account. If you are sure you don't want to transfer funds out of India, you should open an NRO account.


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"The amount can vary by car rental company and geographic location. I did a Google search using the search term: ""enterprise credit card hold"" The range went from $100 to $500. There is also mention of Jamaica for $1500. The benefit of a credit card in this instance is that the hold is on a virtual balance versus a debit card that will actually hold the money that is in your checking account."


"First, filing status. If you and your wife are legally married, you should be filing your tax returns as married, either jointly or separately. In the US, ""head of household"" has a specific meaning and is for unmarried people who are supporting one or more relatives, per the IRS. If you are working full-time and your wife is not, then likely you will file a joint return, including all your income and all the expenses for your wife's business. So yes, the losses in her business will offset your income. Depending on how complex things are, you may want to hire a professional to help with your taxes. The rules for what can and cannot be deducted as a business expense can be opaque."


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As I've gotten older I've found physical labor to be a required part of my life to be happy.  I sit at a desk all week, and on the weekends I go out an remodel my weekend place.  I find myself looking forward all week to doing even mundane tasks like chopping wood for winter.  Don't get me wrong, I actually love my job.  However there is a sense of worth and accomplishment that performing physical labor gives me that an office job can never do.


No and you don't want tips from me.  I live in the same house as my ex-wife which should give you a tip about how successful I've been.  Truthfully though, I've done well for myself, but she's unemployed and it lets me see my son everyday.  You should get tips from professionals and not Reddit.  Reddit's great for cats though.


You are assuming the price increase will continue. The people selling are assuming that the price increase will not continue.  Ultimately that's what a share transaction is: one person would rather have the cash at a particular price / time, and one person would rather have the share.


>I would be all for that as soon as every job in society pays people enough for a modest life including insurance. Before that happens, this approach is just setting the lower classes up for failure.  You mean, like how the lower classes all over the world - billions of people - have been lifted out of poverty by countries adopting economic liberalizations and rollback of government intervention?  >I know this is a fundamental ideal of the right but I do not share it. I think you need a lot of carrots to get people to change.  Not my problem.  If people want to be irresponsible, that's their right.  They DO NOT have the right to have the government steal some of my money because they didn't plan properly.  >Is it moral for a rich man who made all his money while using public infrastructure and services to claim all his profits are exclusively his?  100% absolutely.  That infrastructure is already paid for.  His success creates no additional burden or obligation.  >You do understand that if/when we get a terrific healthcare system that benefits the common man the healthcare stocks would tank?  No, they wouldn't.  In fact, the healthcare market would grow so rapidly it would be the investing opportunity of a lifetime.  Thousands of new companies formed.  A massive wave of innovation in products and services when the FDA is curtailed.  It would be absolutely crazy.


Did it in late 2012, did well, got quite a few requests but not many follow ups. Would recommend though, if you do well it helps to connect and find out about opportunities, and if you don't it didn't affect anything and it's still free, right?  If you are a finance major shouldn't be much of a problem. Try some prep material if they have those, I suppose.


Must be crazy going from mansions in the Carribean with servants and flying on jet planes across the world to being locked in a gray cell for the rest of your life. I wonder what it feels like going from having it all and living in extravagance to knowing you're going to die alone in prison.


"I would recommend ""The Intelligent Investor"" by Benjamin Graham. Though it's not a substitute for the CFAI curriculum, the book does cover a lot of ground.  I'd like to take the time to point out that given your lack of experience, the potential employer wont be looking for a very high level of technical expertise. Put in another way, a basic understanding of financial statements might very well suffice. Freshies are generally required to have that along with a good grasp of MS Suite (sans Access)."


A wal-mart successfully unionized in Quebec years ago, shortly after, wal-mart shut the store down. They're so anti-union, they'll cut off the entire revenue source instead of make slightly less money due to slightly better salaries being paid.  There's a reason I never shop at wal-mart, it's a despicable company.  http://www.cbc.ca/news/business/story/2005/02/09/walmart-050209.html


This is a scam.  Do not give them any money. A quick search on this site will yield many examples of this scam.


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Warren Buffet also isn't the CEO of a major company - or at least one that matters in this context. He is the CEO of Berkshire Hathaway. That is a holding company that owns a handful of other companies.  It doesn't have customers, it doesn't sell a product. It owns companies that do those things, some of which directly rely on technology and need their CEO to have a strong understanding of technology.  The things is though, that each of those companies? They have their own CEO - not Warren Buffett.


"For a non-ETF mutual fund, you can only buy shares of the mutual fund from the mutual fund itself (at a price that the mutual fund will reveal only at the end of the day) and can only shares back to the mutual fund (again at a price that the mutual fund will reveal only at the end of the day). There is no open market in the sense that you cannot put in a bid to buy, say, 100 shares of VFINX at $217 per share through a brokerage, and if there is a seller willing to sell 100 shares of VFINX to you at $217, then the sale is consummated and you are now the proud owner of 100 shares of VFINX. The only buyer or seller of VFINX is the mutual find itself, and you tell it that you ""want to buy 100 shares of VFINX and please take the money out of my checking account"". If this order is entered before the markets close at 4 pm, the mutual fund determines its share price as of the end of the day, opens a new account for you and puts 100 shares of VFINX in it (or adds 100 shares of VFINX to your already existing pile of shares) and takes the purchase price out of your checking account via an ACH transfer. Similarly for redeeming/selling shares of VFINX that you own (and these are held in an account at the mutual fund itself, not by your brokerage): you tell the mutual fund to that you ""wish to redeem 100 shares and please send the proceeds to my bank account"" and the mutual fund does this at the end of the day, and the money appears in your bank account via ACH transfer two or three days later.  Generally, these transactions do not need to be for round lots of multiples of 100 shares for efficiency; most mutual fund will gladly sell you fractional shares down to a thousandth of a share. In contrast, shares of an exchange-traded fund (ETF) are just like stock shares in that they can be bought and sold on the open market and your broker will charge you fees for buying and selling them. Selling fractional shares on the open market is generally not possible, and trading in round lots is less expensive. Also, trades occur at all times of the stock exchange day, not just at the end of the day as with non-ETF funds, and the price can fluctuate during the day too. Many non-ETF mutual funds have an ETF equivalent: VOO is the symbol for Vanguard's S&P 500 Index ETF while VFINX is the non-ETF version of the same index fund.  Read more about the differences between ETFs and mutual funds, for example, here."


You won't be, right after purchase Eddie Lampert asked himself nervously back in the day if he made a mistake buying Sears and he was right back then for the last time.  The merger with Kmart was like two sinking ships ramming each other to stay afloat longer, although I think Kmart was the bigger dud at the time.  All I think he's trying to keep it afloat anymore is so he doesn't flood the real estate side of the business with too much empty commercial real estate at once.  This is his only way to get back even just a fraction of his investment.  Sears took its last gasp the moment it sold Craftsman.  Now, they're just keeping the body warm and wheeling it around hoping no one will notice.


I bought Health Insurance for myself after a period without it, and my premiums were not terrible. I was a 27 year old man, living in California, no preexisting conditions, and I paid approximately 90$ a month. This was for a standard Health Insurance plan.  However, when I moved back to NY a little while later, insurance companies wanted almost $500/month for catastrophic coverage.  So, from personal experience, my answer is that price varies widely by state. Different states have different regulations as to what Health Insurance Companies need to cover and at what price. In NY, Health Insurance companies can't charge different rates according to age. Also, in NY, there is a price spiral, where the price is so high, few people buy it, so they have to raise the price because not enough well people are in the pool, so fewer people buy it.... To test it out, go to an online insurance broker, like ehealthinsurace, and put in your proposed information, including that you haven't been covered for a period. This way you will know.


"I'll try to give you some clues on how to find an answer to your question, rather than answering directly the question asked.  Why not answer it directly? Well, I can, but it won't help you (or anyone else) much in two months when the rates change again. Generally, you won't find such in brick-and-mortar banks. You can save some time and only look at online banks. Examples: ING Direct (CapitalOne), CapitalOne, Amex FSB, E*Trade, Ally, etc. There are plenty. Go to their web sites, look for promotions, and compare. Sometimes you can find coupons/promotions which will yield more than the actual savings rate. For example, ING frequently have a $50 promotion for opening a new account. You need to understand that rates change frequently, and the highest rate account today may become barely average in a week. There are plenty of sites that offer various levels of comparison information. One of the most comprehensive ones (IMHO) is Bankrate.com. Another place to look is MoneyRates.com. These sites provide various comparisons, and you can also find some promotions advertised there. There are more similar sites. Also, search the Internet and you can find various blog posts with additional promotions – frequently banks give ""referral bonuses"" to provide incentive for clients to promote the banks. Do some due diligence on the results that appear promising. Not much. You won't find any savings account that would keep the value (purchasing power) of your money over the long term. Keeping money in savings accounts is a sure way to lose value because the inflation rate is much higher than even high-yield savings accounts. But, savings accounts are safe (insured by FDIC/NCUA up to the limit), and very convenient to keep short term savings – such as an emergency fund – that you cannot afford to lose to investments. Sometimes you'll get slightly better rates by locking up your money in a Certificate of Deposit (CD), but not significantly higher when the CD is short-term."


My wife has subscribed for trips or whatever so she could preload stuff for offline play.  Total shit show.  Wasn't clear when stuff was actually downloaded.  Seemingly downloaded stuff wouldn't play.  We're going for a long trip in a couple months and would like to subscribe again to pre-load stuff, not sure it is worth it.  We've only used it on Android and it is definitely far from stable.  Crashes are _very_ common.  Having to kill the app and restart it is almost a daily occurrence.  Crashing like the one I screenshot isn't surprising or unusual.  It really is a garbage app.  If possible I'll often use youtube instead if the content is there too, even though that means my screen needs to stay on to keep playing.  We have Google Nexus phones from right before they switched to the Pixel name.  So they're about as vanilla standard Android as phones can get.


"A business can refuse cash (paper currency) payment pretty much in all cases provided it's a reasonable policy and/or notified during/in advance of contracting. Details in this link. ""all United States money as identified above are a valid and legal offer of payment for debts when tendered to a creditor. There is, however, no Federal statute mandating that a private business, a person or an organization must accept currency or coins as for payment for goods and/or services."" Even if the payment is being made to settle a debt or other obligation, the creditor may refuse payment if their rationale is reasonable (as determined by the courts)."


Every railroad company Harrison touches has become gold. CSX knows that. Hunter Harrison is best in class and no one else is close. CSX needs HH more than HH needs them. Any rail company would take him off the market in the blink of an eye.


Congratulations on completing the GSoC. I think the short answer is No, and you ought to just hang on to the card and gradually spend it down on your day-to-day expenses: you can spend money off a US prepaid card in Australia, or with online US merchants.  That will probably be a better deal than trying to cash it out, unless you really desperately need the cash.


So I'm not an expert regarding this topic, but the languages i have heard thrown around are  vba (excel), R, stata and python.  Out of these, I think python is the base foundation and then Vba for excel.   Whatever you do, research into these fields. For example, I use to think IB was the end goal without even knowing wtf they do, everyone just kept on talking about. They are just high powered salesman. Also, sadly the truth is if you aren't from a prestigious school high finance is out of the question. Don't waste your time. Also, don't think it's something you are missing out on. Their lives suck was from what I hear and plenty of money can be made elsewhere.   My friend went to cal, got into boutique Ib, he quit after a few years stating his life was miserable. Fuck that. As an economics major you will find out that happiness is important.   Spend your time wisely. Career choice is a big decision.


I cannot explain how the derivative is created in specific, because I have never actually built one. However, [Investopedia](http://www.investopedia.com/terms/m/mitts.asp#axzz1wwZTADu5) suggests to me that the concept is quite simple. They are selling a synthetic protective put.   An individual could quite easily remake the payout structure of these securities -  1. Buy the share or index in which you are interested 2. Buy a put option on the same asset with a strike price as your purchase price 3. If you are interested in the target-term aspect, you ought to buy European puts. American options will be more expensive, but give you more flexibility to sell your share. 4. At the maturity of your option, if the share is below the price you paid you can exercise your option and still have your principal. If it is above, leave your option alone and sell your share for profit.


"One advantage of the chip cards is that the card information needed to make purchases can't be easily skimmed or ""stolen"".  Another is that it is more difficult to create a fake physical card.  These advantages still exist regardless of what form of verification is used (or even if no verification is used). The type of fraud you're describing, in which your card is physically lost or stolen, is a relatively small proportion of total fraud (14% according to this site).  One reason this is not as big a problem is that often, if you lose your card or get robbed, you know the card is compromised and you can cancel it.  (Even if it takes you a while to do this, at least you are on the alert.)  The real danger comes when your card info is stolen without your knowledge, and this is harder to do with a chip card. It's also worth noting that there are more ways for a fraudster to get nabbed than being caught red-handed entering the wrong PIN at the point of sale.  The credit card companies are still tracking card usage and watching for unusual purchases that might indicate fraud.  Also, sometimes fraudsters do surprisingly dumb stuff, like use the card to buy something online and mail it to themselves.  So it's not correct to say that there is ""zero risk of getting caught"".  With both stripe and chip cards, you can catch the person by tracking them via their usage of the card. The biggest security risk with the new cards is that many vendors don't actually require use of the chip at all -- they still let you swipe.  However, with changes to credit card liability policies, this is a risk for the vendors, not for you."


I agree about the cheeses, they have a good selection of cheeses at every good prices. Usually better and cheaper than the typical Boar's Head stuff at super markets. The beer I found to be typical pricing or slightly above, usually deals are supermarkets are better.


I seriously doubt that healthy attitudes are catching on on a scale that McDonald's would notice. Rather, I expect the fact that [people eat out more](http://rapidcityjournal.com/news/eating-out-more-popular-as-home-dinner-costs-rise/article_d566dd4d-1445-552a-9137-457a956b6916.html) and the profusion of fast food alternatives that come with that increase in demand are just making plain ol' McDonald's look unappetizing. I'm sure that their reputation as unhealthy isn't helping, but I don't expect that the actual diets people are eating are any better for them overall.


Current state of Chicago prop shops. How bad is it really? I know El Dorado closed up, Chopper got sold, and it looks like a few are on thin ice (i won't name names) but are the big boys like Jump, DRW, or Citadel doing ok?   Volatility just been shit lately, hell there was more volatility in the '90s when I was a floor broker on the NYMEX.


The best thing about bond is the lack of tie in between each movie(except for casino royale and quantum of solace). Each movie can stand on its own and be special on its own. Each movie can have its own bond, own Bond girl, an own villian.    But for Star Wars, how long can you milk a different sith lord, a new Jedi master and yadda yadda.   The first 3 Star Wars were a cult classic that turned into success.the next 3 were just a way to monetize the franchise further, everything afterwards will be garbage.


That's actually pretty sad. Seems like he may have gotten tangled in with the wrong people, probably to deal with his debt, and ended up being killed for it.  Word to the wise, don't take on debt to basically launch your business. Taking on a loan AFTER you've shown your model works and you have a real (sustainable and stable) cash flow in order to grow is more acceptable.  Edit. Apparently his wife died a few years ago from breast cancer too. I think he had a lot to prove, and followed his dream in a misguided direction.


"The way they are tricking you is that they will ask you to send some of the proceeds of the check back to them, after you deposit it in your bank account. So, lets say they send you a $2000 check. You deposit it, send them $500 over western union. And then the bank pulls all $2000 out of your account (the value of the check), leaves you with a negative $500 balances and freezes your account because it took them 3 days to figure out the check was bad. You'll also be in trouble with several authorities. (Whether you send the actual fraudsters money or not) The people that ""enlightened you"" made some money. They get away with it because you don't know their name or anything, the check was written in your name, which is the main paper trail. There is no temp agency."


"Many Web sites and articles warn against buying former rental cars, because people renting these cars often mistreat them. Many of those are also written by unqualified individuals for publication on blog farms and encourage all sorts of odious financial practices. That's not even considering the interests of who is paying to advertise on said blogs-- I'm sure their interests align with making sure you always pay top dollar for a new car. Because those icky used ones are so mistreated! Never trust financial advice published on the internet (or in the media, for that matter). Edit: One caveat on further thought-- never, never buy used vehicles from government auctions (impounds, asset seizures, old police cars, etc). Anybody irresponsible enough to go to jail or abandon their car long enough to lose their assets likely isn't a responsible owner of such, and cops and crooks alike do absolutely beat the snot out of police cars.  When it comes to government-owned vehicles (police cars, schoolbuses) municipal governments are notoriously stingy and will squeeze every last minute of use out of them before putting them on the market. If you're buying a government vehicle, assume it's being sold because it has intractable problems. But from a financial point of view, I notice that rental agencies sell cars within the first two years, during the time when they depreciate the most. Bingo. I figure many large rental companies will have mathematicians who calculate the best time to sell. Does the fact that they sell the car mean during this time suggest that they know the car's cost of further maintenance or other costs will be higher? Or is there another reason they sell at this time which, has a calculated advantage to them, but which is less than idea statistically for me, the purchaser? It doesn't take a PhD to realize it's bad for business if your model revolves around renting out 1970s rustbuckets that run the risk of breaking down and leaving customers stranded in inopportune or dangerous places. Uhaul in particular has a terrible reputation for this, and it shows in the condition of their trucks-- relics of the 90s, all of them. Uber won't let you drive for them if your car is older than 7-10 years for the same reasons. Yes, as a car ages, the chance of having to make repairs increases. Rental agencies are in the business of renting vehicles, not running service centers and garages. It's more aligned with their core business model to just dispose of cars once they've squeezed the most reliable years out of them and amortize the vehicles' depreciation across the tax deductions and fleet pricing they enjoy when buying new ones.  This gets them out of the service game and lets them focus on their core business-- procurement and rental. There's no calculated ""time-to-lemon"" that they're trying to skirt here; they're just trying to avoid having to make any repairs whatsoever."


If you install restaurant patio misting from a leading company, then you can ensure that you customers have a better time when eating outside. These systems not only help provide a cooler environment but even keep a check on dust and insects.


I got a Desire HD, and the only thing i can compain about is the battery, dies in no time at all.  Its ruged like hell tho, the aluminium shell has prevented the screen from cracking atleast 3-4 times for me.


Here's an idea Microsoft,      Take the 10 to 15 thousand dollars that you were going to pay just for the H1-B Visas, and develop a training program where you accept anyone with a Master's Degree in anything (just as proof they can learn), and redevelop your own workforce in a training environment. Make the commitment from the workers 3-5 years and make the pay less than an average starting engineer/whatever you need. After the 3-5 years, they have the option of staying or going and you better make the package more attractive to keep them if you want them to stay. Simple as a pimple, doesn't need foreign workers or politics and actually creates more customers since it's very unlikely any of the citizen workers will be sending money home to foreign families remaining in country.


**Rule of law**  The rule of law is the legal principle that law should govern a nation, as opposed to being governed by decisions of individual government officials. It primarily refers to the influence and authority of law within society, particularly as a constraint upon behaviour, including behaviour of government officials. The phrase can be traced back to 16th century Britain, and in the following century the Scottish theologian Samuel Rutherford used the phrase in his argument against the divine right of kings. John Locke wrote that freedom in society means being subject only to laws made by a legislature that apply to everyone, with a person being otherwise free from both governmental and private restrictions upon liberty.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.24


I'm not one to hype the importance of college as most of it is total bullshit, but I've honestly learned so much in my masters in IT that I couldn't fathom being in a position like that without some sort of formal schooling.


I listen to the JRE frequently (also Schiff's podcast).  Peter Schiff is a gold bug so he's going to have some biases there and against crypto. He does have some very interesting things to say and I like the guy (I'm very familiar with him), but at the end of the day, he's a salesman. BTW, I'm diversified into physical metals myself, hold as a hedge against the dollar.  Crypto/cashless is where things are going, but I think that's still a ways off.  It's way too volatile right now to be used as money, it's filled with speculators hoping to make some easy money. Governments will want to track every transaction so they can tax it. Plus, if you can't take your money out (i.e., cash), they can easily take rates negative, and negative rates are already a reality abroad.


Scale Manager provides the best water conditioner product in the world.  As a chemical-free Hard water descaler for commercial, industrial and residential applications, Magnation guarantees reduced. This action inhibits the minerals from bonding into the larger water molecules which cause scale buildup. Although, the mineral elements are held in postponement and repel each other, which stopped the process of calcification. Depending on the hardness of your water, this may need to be done once a week.


"http://annualcreditreport.com gives you free access to your 3 credit bureau records. (Annual, not ""free"". The ""free"" guys will try to sell you something.)"


Not for or against Trump but that would make sense.  It’s a lot easier for growth as the economy ramps out of a recession back to pre-recession levels.  Once that point has been reached things should begin to slow down.


"Hike is currently not earning but actually investing it into the app to achieve goals of their long term strategy. Their motive is to make hike #1 messenging app and until that it ""WILL REMAIN FREE"" but once they achieve that, then like WhatsApp, developers will make hike paid too or atleast you have to pay a small price to use hike. Imagine if hike would have been a paid app or you would have to pay money immediately after yor download hike. Would you have paid the money when you had better alternatives or had no friends on hike? Whatsapp earns money by charging people who use WhatsApp services."


What would be the best way to estimate / calculate the basis risk exposure of a commodity trading company? Naturally companies are very cagey when it comes to such info, but is there a way to come up with an approximate number?


Insurance, incorporation, marketing, related fees, licenses, and maintenance would all cost way more than you likely paid for that thing.   It seems like a *really* low valued investment in infrastructure/resources for the amount of annual investment you'd need to keep things running.


"As an investment opportunity: NO. As a friendly assist with money you don't mind ever getting back, legal depending on amount. A few years back I was in the housing market myself and researching interest rates and mortgages.  For one property I was very interested in, I would need about $4K extra in liquid cash to complete the down-payment.  A pair of options I saw were a ""combo loan"" 15yr 4% interest for the house, 1yr 8% interest for the $4K.  Alternately, the ""bank of mom and dad"" could offer the 4K loan for a much lower rate. The giftable limit where reporting is not required was $12,000 at the time I did the review.  IRS requires personal loans to be counted as having interest at the commercial rate.  Thus an interest free loan of $10K with commercial interest rate of 1% (for easy math) would be counted as a gift of $10,100 for that calendar year. Disclaimer: Ultimately, I did not use this approach and did not have it subjected to a legal review."


It seems that any news article headline that includes a dollar amount or a percentage is click bait. In the best cases they're sensationalizing a mundane study. In the worst cases the study is as flawed as the headline. In either case the liberal arts major has their revenge on the world.


"I agree with you about automation making this an AH FUCK YEAH for most busy household ""managers."" As the person in charge of purchasing all household essentials, I can pretty much tell you *to the day* when I will need to restock pantry essentials like Olive Oil, Salt, etc. Not to mention things like toilet paper & shampoo.   I'm really curious to see how Blue Apron evolves over time. I've used them before and am generally not impressed with their recipes - they lack creativity and generally aren't all that great. Now, if I wasn't an avid cook, was just moving out on my own, and had generally no idea what to cook for myself, I think it'd be great . . . but then again I didn't have that kind of disposable income when I was at that stage in my life."


"Diversification tends to protect you from big losses. But it also tends to ""protect"" you from big gains. In any industry, some companies provide good products and services and prosper while others have problems and fail. (Or maybe the winners are just lucky or they paid off the right politicians, whatever, not the point here.) If you put all your money in one stock and they do well, you could make a bundle. But if you pick a loser, you could lose your entire investment. If you buy a little stock in each of many companies, then some will go up and some will go down, and your returns will be an average of how everyone in the industry is doing. Suppose I offered to bet you a large sum of money that if I roll a die, it will come up 6. You might be reluctant to take that bet, because you can't predict what number will come up on one roll of a die. But suppose I offered to bet you a large sum of money that a die will come up 6, 100 times in a row. You might well take that bet, because the chance that it will turn up 6 time after time after time is very low. You reduce risk by spreading your bets. Anyone who's bought stock has surely had times when he said, ""Oh man! If only I'd bought X ten years ago I'd be a millionaire now!"" But quite a few have also said, ""If only I'd sold X ten years ago I wouldn't have lost all this money!""  I recently bought a stock a stock that within a few months rose to 10 times what I paid for it ... and then a few months later the company went bankrupt and the stock was worth nothing. I knew the company was on a roller coaster when I bought the stock, I was gambling that they'd pull through and I'd make money. I guessed wrong. Fortunately I gambled an amount that I was willing to lose."


"IN 1986, the NCAA decided Southern Methodist deserved the harshest penalty ever given to an athletic program.  It was decided that they not only committed violations, but they committed the same violations that they were currently in trouble for.  SMU recieved ""the death penalty.""  They were not allowed to play football for one year, not allowed to have home games for another year, extensive probation, limited staff, and not allowed to recruit.  I think Wells Fargo needs the death penalty.  Every branch needs to close for 1 year (except for account transfers), every ATM needs to close for 2, extensive probation, limit the number of executive-level positions to half the previous number, and they are not allowed to advertise hiring or recruit for a year."


"It's not really my field, but I believe it's all the information that doesn't change (i.e. isn't ""real-time"") about the business of hedge funds.  For example, this site quotes: The product maintains comprehensive static data records including assets,       depositories, accounts, settlement instructions and a wide range of       supporting data..."


Sherif El-Refai enrolled in the University Of Florida Hough Graduate School Of Business, where he plans to earn his Master of Business Administration. His course load concentrates on marketing and global management and competitive strategy. He also maintains membership in the American Society of Health-System Pharmacists.


Do not obsess about doing too much, do not tire if you do little, you have to learn to recognize the sensations of your new thin body, to know that weight loss diet fill you with energy without gaining kilos or the other way around, that foods fill you with kilos without gaining Energy. It is a moment of change. Get out of your comfort zone, explore the world of food and physical activity, and make yourself a smaller, nicer place, you're going to become a new person.


"When Google's AI is sophisticated enough ""read"" images to match search queries, there's going to be a lot of opportunity for new types of ad revenue. They're already using this technology in their translation app. Traditional SEO would be disrupted."


Using the highest quality materials and state of the art technology we offer quality finish. Our highly experienced technicians can meet any demand and complete the job in no time. With our reasonable pricing and fast turnaround, we provide a very cost effective service.


"Hulu being part of NBC makes it really confusing why it was only 2 days ago when Community finally went from being ""past 5 eps, web only"" to ""all eps, devices OK with hulu plus"". It's in the middle of its third season!"


I don't know what you program during the day, but you could always try your hand a programming for iPhone, Android or Blackberry.  Just spend an hour or two a night on a simple but useful application.  Find something that matches a hobby interest of yours and come up with an app that would be beneficial to people of that hobby.


Get your friend to send over some samples. Find out who your customer going to be? Make a list of coffee companies and contact their purchasing departments. They will probably ask for a sample. Then when they agree to buy some from you, ship them over from Guatemala.


I work in consulting and Risk Management. Most of the top IBs in US are our clients.  Risk Management is a very broad field. You need a solid understanding of Statistics, Stochastic Calculus, Pricing, Regulations and some accounting as well.  This area of finance is very quantitative and its becoming more quantitative almost every day. With that being said there are some niche fields in here like model governance, enterprise risk, strategic risk, regulations, process and controls which are not quantitative.  Work load is crazy. I think almost everyone in our group works 10-12 hour days, with some people working 16 hour days on average. This isn't twiddle your thumbs at your desk either, I mean your head buried in your monitor or trying to understand a paper work. At the banks the work load is usually but not always a less.


> ... Illegal activity  I don't know about that. All I can do is give you my general experience from working with a large, healthy company. If he had been turned away by management, and then by HR, and THEN corporate legal, perhaps he should've sought personal legal counsel.   Instead, he chose to write this post and share it openly within the company, resulting in it being shared publicly whole the company is being investigated regarding pay fair. If nothing else, it's just bad timing. Nobody should be overly surprised that they terminated him for this.


No, it's more like going to a trendy foodie place where they give you a tiny portion on a decorative platter with a fancy name and sure the ambience plus service helps make it taste better but at the end of the day it's still a piece of fish with some sauce on it.


"Their analysts are actually pretty bright. Remember, they downgraded Facebook before the IPO. However, it doesn't stop the sheep from buying the stock. It's just like those subprime mortgages that pretty much said ""THIS IS CRAP"" all over the prospectus, and people still brought it."


Having money held from one paycheck hardly counts as being covered by a retirement plan in my book! It's not your book that counts, it's the Congress' book called the Internal Revenue Code. No, you cannot rescind a contribution after the fact. Maybe during the year you can do something with employer balancing it out, but not after the year is closed. (That, by the way, is different for IRAs where you can actually do re-characterization until the tax day of the next year)


Can you afford to replace it? What does that mean?  Even if insuring means overpaying, it does spread the risk.  NB: This example is not about the Applecare program, which I think is a waste of money for many people. Others have explained very well if it would work for you or not.  I have a Macbook but no Applecare. I have an expensive smartphone with insurance for dropping and water damage, but not theft. After one year I cancel this insurance. I don't have $200K in my bank account.


Why won't anyone just answer the original question? The question was not about opportunity cost or flexibility or family expenses. There are no right answers to any of those things and they all depend on individual circumstances. I believe the answer to the question of whether paying off a 30-year mortgage in 15 years would cost the same amount as a 15-year mortgage of the same interest rate is yes but ONLY if you pay it off on the exact same schedule as your supposed 15-year. In reality, the answer is NO for two reasons: the amortization schedule; and the fact that the 30-year will always have a higher interest rate than the 15-year. The way mortgages are amortized, the interest is paid first, essentially. For most people the majority of the monthly payment is interest for the first half of the loan's life. This is good for most people because, in reality, most mortgages only last a couple years after which people refinance or move and for those first couple years the majority of one's housing costs (interest) are tax deductible. It is arguable whether perpetuating this for one's entire life is wise... but that's the reality of most mortgages. So, unless you pay off your 30-year on the exact same amortization schedule of your theoretical 15-year, you will pay more in interest. A common strategy people pursue is paying an extra monthly payment (or more) each year. By the time you get around to chipping away at your principal in that way, you will already have paid a lot more interest than you would have on a 15-year. And, really, if you can afford to substantially pay down principal in the first year or two of your mortgage, you probably should've borrowed less money to begin with. In theory, IF the rates were the same (they're not) and IF you paid the 30 off every month in the EXACT same way as you would've paid a 15 (you won't) you will pay the same amount in the end. You have to decide if the flexibility is worth more to you than the cost savings.  For example: a 300k mortgage at 3.5% will have a monthly payment of ~$2150 for a 15-year and ~$1350 for a 30-year, both will start with ~$875/month of that being in interest (gradually declining with time). What I think most people undervalue is the freedom and peace of mind that comes with a paid off or nearly paid off home... and 15 years is a lot more tangible than 30, plus a lot cheaper over all. If you can afford a 15-year mortgage without putting too much stress on your budget, it is definitely the better option for financial security.  And be careful of the index fund opportunity cost advice. On average it may be a good idea when you look at the very long run, historically, but a lot of people get less than average returns depending on when they buy and what the market does in the short run. There is no certainty around what returns you will get from the stock market, but if you have a 30-year mortgage there is a lot of certainty around what you will owe every month for the next 30-years. Different mixes of investments make sense for different people, and most people would be wise to get some exposure to the stock market for its returns and liquidity. However, if someone's goal is borrowing more money for their house in order to invest more money in the stock market for their retirement, they would actually be better served in achieving security and independence 15 years sooner.


Oh, so the government requests it, incurring a debt, and our taxes go towards paying off that debt?  So our taxes are paying for the work that gets done?  Just like I said?  Who knew!  You worked really hard to try to obfuscate that!  Big business is totally doing the work out of the kindness of their heart, and not for the money the government is paying them.  They are so altruistic and amazing! /s


"In this environment, I don't think that it is advisable to buy a broad emerging market fund.  Why? ""Emerging market"" is too broad... Look at the top 10 holdings of the fund... You're exposed to Russia & Brazil (oil driven), Chinese and Latin American banks and Asian electronics manufacturing. Those are sectors that don't correlate, in economies that are unstable -- a recipie for trouble unless you think that the global economy is heading way up. I would recommend focusing on the sectors that you are interested in (ie oil, electronics, etc) via a low cost vehicle like an index ETF or invest using a actively managed emerging markets fund with a strategy that you understand.  Don't invest a dime unless you understand what you are getting into. An index fund is just sorting companies by market cap. But... What does market cap mean when you are buying a Chinese bank?"


Mathematically speaking there would be a point where the  expected value  EV of purchasing every possible ticket would be favorable but only if you take in account both the jackpot payout and the lesser payouts of all the wining tickets  however practically speaking since the powerball has a liability payout limit which means they dont have to pay out more money than they took in you cant beat the house ( or the government)


Hindsight is 20/20, but I offer some suggestions for how this might have gone down. If you had told the bank what was going on they might have extended the terms of your loan until the truck was ready. Alternatively you might have taken the loan (was it secured on the truck?) and put the money in a savings account until the truck showed up, while asking the dealer to pay the interest on it until the truck showed up. Or you might asked the dealer to supply you with a rental truck until yours showed up. I'm not saying I would have thought of these under the circumstances, but worth trying.


What a pointless list!  It's ranked by total short interest outstanding.  That's completely meaningless.  For instance, a $1 billion company with $1 billion in shorts (meaning the market thinks it's bankrupt) would be ranked much better than a $100 billion company with $1.1 billion in short interest.  tl;dr:  pure and utter bullshit


I would contribute this money to the deposit, but wouldn’t pay anything else-more, and want to know if they do the house up, and it increases in value how does my share gets worked out if I want it out in about l0 years? This can be simple; You have contributed 9K out of 260 K. You own Approx. 3.4% of equity in the house. Whenever this gets sold, you will get back 3.4%. Now the real trick comes in, if the house is not being sold, ie your Sister would continue using it, and you want out, then one would need to decide the fair market value. You could agree to consult some lists or agree of the fair value based on sale price of similar properties in the area. This is where it normally gets difficult and can cause disputes. we do not have much money for solicitors / lawyers, and we don't really really need them It is advisable to get a lawyer as one doesn't know what happens 10 years in future, things may go wrong between you and your sister, or your sister is no more and her fiancé  may not honor the agreement you have. There are other considerations;   It would be advisable you have your name on the property. It would help from Tax point of view in future. If you are not having your name on the property, then the money you are giving would be loan or gift and needs to have the right paper work If its a gift you can't have it back. Your sister would have to make a gift back to you later whenever you want out. So it can really be complicated and it would be worth the money you spend on lawyer


I think this piece would be great with some direction and editing.  The idea of JOINING a start up can be considered a long con. You are not working for yourself nor a cause you created or developed. The pay is very low, the hours are long and the promise of equity might either never be there (Remember Zynga taking back equity?), be poorly constructed (Pay-in options are just like equity right? Right guys?) or worse, might be worthless through no fault of your own.  Where will you be if either happens? The idea that you stuck around with a company for 3-6 years in order to maximize your equity value is not only limiting, it can be career damaging. 20 year olds should be trying different careers and gaining a sea of experience. Go out and build up that all important network isn't going to happen in one place.


"I agree....  Do these people realize.... if talents can't come here, in the long run, companies can just set up office off shore and just IMPORT.  Then I bet people would say ""why don't we have massive import tax and go back to 1900?""  Then I would check this isn't r/socialist first and respond ""I won't explain basic macroeconomics in a business sub, but check out how Argentina faired due to Protectionism. ""  This is basic.......,"


"Bank of America exists at this moment because the US taxpayers gave it billions (Billions with a B) to save it in the 2008 crash. And they are part of the financial sector's successful lobbying against doing anything major to prevent another ""to big to fail"" situation, and are working hard to weaken the few protections put in place after 2008.  Which means they are still too big to fail and the economy is still on the same rickety roller coaster it was a decade ago. Another crash is gonna happen, and BofA and the rest of them will have their hands out again.  Put it in escrow for when the next bailout comes."


The difference is the time when they are released and how much revenue they have recouped at that point.  The Shaw Cable PPV movie is likely to be even newer than the itunes HD movies which cost $4.99 or $5.99.


Dude go the dermatology route. Basically a standard 9-5 and starting at $250k in the Midwest (more on the coasts.)  IB is hell, and also 80 hours a week, at least it was on the M&A side.   It sounds like you're just picking these options for the money, and no real passion for any of it. You're not going to like what you do if you're just doing it solely for a great paycheck.


XE.com will do an ACH transfer for no fee, and they'll give you a better exchange rate than your bank.  I use them for converting CAD/USD.


">is this going to turn into one of those oh-so-common cases where you demand an example, and then when I actually give you an example, you will just say ""lol that doesn't count for such and such reasons, give me another"" and we end up in an endless loop where you keep just moving the goalposts?  \  >You know that your opinion is based on a fairytale that has never successfully coalesced in over 10,000 years of human existence in any kind of size *to be meaningful*. We have literally millennia of different forms of government that we can pick through and learn from. And yet anarchy hasn't made it through any timeframe *in anything but* statistically insignificant small and short lived societies. You had to *reach back to medieval times* just to find one single relevant example  oh well. I gave it a shot."


In all likelihood, the best thing you can do, if these really are your only two options (ie no other debt at all), paying-down your mortgage will shorten the term of the mortgage, and mean you spend less on your house in the long run. Investing is should be a long-term activity - so yes, the likelihood is that, given a modest investment, it will gain at historical averages over the life of the investment vehicle. However, that is not a guarantee, and is an inherent risk. Whereas paying-down a mortgage lowers your financial obligations and risk, investing increases your risk. I want to know how you got a 2.1% interest rate on a mortgage, though - the lowest I've seen anywhere is 3.25%.


There isn't a single hard and fast return to expect. Securities, like all things in a free market, compete for your money. As the Fed sets the tone for the market with their overnight Fed funds rate, you might want to use a multiple of the 'benchmark' 10-year T-note yeald. So let's suppose that a good multiple is four. The current yeald on the 10-year T-note is hovering around two. That would give a target yeald of eight.  http://stockcharts.com/h-sc/ui?s=%24UST10Y&p=W&b=5&g=0&id=p47115669808


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I was having issues with transferring money from my UK bank (HSBC) to my paypal... HSBC was asking for an IBAN code to complete the transaction. I couldn't find an IBAN code listed anywhere on my Paypal acct. What finally solved it for me was when I entered the last 4 digits of the Paypal account number, HSBC then threw up a message saying that payee was listed in my payees and to do a search for payees. (I had never manually entered my Paypal as a payee, but it was there in a huge list of companies already known and listed by HSBC.) Then all I had to do was put in the reference number Paypal had given and the amount. It was in my paypal account within minutes.  Hope this helps :)


You have a comparatively small sum to invest, and since you're presumably expecting to go to college.university soon, where you may well need the money, you also have a short timescale for your investment. I don't think anything stock-related would be good for you -- you need a longer timescale for stock market investments, at least five years and preferably ten or more. I don't know the details of Australian savings, but I'd suggest just finding a bank that is giving a good interest rate for a one-year fixed-term savings account.


You would have to compare your backtesting to what you will be doing in real trading, and try to have the backtesting as close to your real trading as possible. Note: you may never get the backtesting to match your real trading exactly but you need to get as close as possible. The whole purpose of backtesting is to check if your trading strategies - your signals, entries and exits, and your stops - are profitable over various market conditions. As you would be using actual closes to do your real trading you should be using this to also do your backtesting. Rather than using adjusted data to get an idea of your total return from your backtesting, you can always add the value of the dividends and other corporate actions to the results from using the actual data. You may even find a way to add any dividends and other corporate action to your results automatically, i.e. any dividend amount added to your total return if the stock is held during the ex-dividend date. If you are using adjusted data in your backtesting this may affect any stops you have placed, i.e. it may cause your stop to be triggered earlier or later than in real trading. So you will need to determine how you will treat your stops in real trading.  Will you adjust them when there is corporate action such as dividends?  Or will you leave them constant until actual prices have gone up? If you will be leaving your stops constant then you should definitely be using actual data in your backtesting to better match your real trading.


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>Can't be that much more sustainable, isn't China also building ghost cities at break neck speeds here?  Most ghost cities fill up eventually. There are some major fuckups, but that's always been the case with urbanization, and China still has a shitton of peasants tied to the land its trying to slowly get into the cities. Cf many other urbanization processes which resulted in huge numbers of people living in hastily built structures unsuitable for human health, and then dying in a fire / plague.


"If I had to take sides, I'd think that it would be better to be able to divide up the entirety of your savings into big ""buckets,"" as others are saying in their answers -- if not in physically accounts, then at least conceptually. Let's say you're 45 years old and have $350,000 in various accounts.  I would argue that you should at the very least know this level of detail: So, if you get in a really, really bad snowmobile accident that costs $100,000, you know, at least conceptually, that: Now, you're in a better position to revise your goals.  Maybe you decide that real estate isn't ""all that"" and you allocate the entire shortfall to that item, and reallocate it to start the first Snowmobile Safety Program in the country. So now it looks like this: But had you not compartmentalized the funds to begin with, you wouldn't have known where you stood."


I've used yahoo to perform the exercise you're asking about. It allows you to download price data, month end if you wish, and by manipulating via a spreadsheet to add a column for purchases, you can easily see how your £100/mo would end after so long a time period.


>I agree. That's why I require that my employees sleep at the office so they don't waste time driving back and forth. Much more efficient. Sadly, the Department of Labor disagrees, so its a no go until the lawsuit gets resolved. Goddamn guvermint regulation getting in the way of us job creators.  Quite the straw man there. There's a vast gap between efficiently using your employees  and virtual slavery, and you went for the slavery side. Which is a silly argument, unless you're accusing 3G or Kraft/Heinz of slavery.  >cough http://www.cbc.ca/news/business/tim-hortons-class-action-1.4167739 cough.  So first of all, that has nothing to do with unrest about the product or values. This is a dispute between franchisees and corporate, not between customers and the chain. Second, your link is about a lawsuit that's just starting and currently unproven. Third, it alleges that the parent company is not using the advertisement fund properly, which not only has nothing to do with the product/values, but also seems like an incredibly difficult thing to prove - how would the franchisees even know how much TH's is spending on advertising?   Your link doesn't even attempt to address any point I made. It's just an article about Tim Horton's and a specific group of people being angry. It mentions nothing about customers. It mentions nothing about product quality. In fact, the only relevant piece of information to the discussion at hand is that product prices have gone up, but restaurant prices have stayed the same, which would suggest that the customer is getting a better deal!


"> What is a ""YouTube prank channel""?  Late teens to early 20 something assholes, filming themselves being assholes, and while their buddy laughs behind camera.  They call it a prank or social experiment.  It's as dumb as you think it is."


"In layman's terms, oil on the commodities market has a ""spot price"" and a ""future price"". The spot price is what the last guy paid to buy a barrel of oil right now (and thus a pretty good indicator of what you'll have to pay). The futures price is what the last guy paid for a ""futures contract"", where they agreed to buy a barrel of oil for $X at some point in the future. Futures contracts are a form of hedging; a futures contract is usually sold at a price somewhere between the current spot price and the true expected future spot price; the buyer saves money versus paying the spot price, while the seller still makes a profit. But, the buyer of a futures contract is basically betting that the spot price as of delivery will be higher, while the seller is betting it will be lower. Futures contracts are available for a wide variety of acceptable future dates, and form a curve when plotted on a graph that will trend in one direction or the other. Now, as Chad said, oil companies basically get their cut no matter what. Oil stocks are generally a good long-term bet. As far as the best short-term time to buy in to an oil stock, look for very short windows when the spot and near-future price of gasoline is trending downward but oil is still on the uptick. During those times, the oil companies are paying their existing (high) contracts for oil, but when the spot price is low it affects futures prices, which will affect the oil companies' margins. Day traders will see that, squawk ""the sky is falling"" and sell off, driving the price down temporarily. That's when you buy in. Pretty much the only other time an oil stock is a guaranteed win is when the entire market takes a swan dive and then bottoms out. Oil has such a built-in demand, for the foreseeable future, that regardless of how bad it gets you WILL make money on an oil stock. So, when the entire market's in a panic and everyone's heading for gold, T-debt etc, buy the major oil stocks across the spectrum. Even if one stock tanks, chances are really good that another company will see that and offer a buyout, jacking the bought company's stock (which you then sell and reinvest the cash into the buying company, which will have taken a hit on the news due to the huge drop in working capital). Of course, the one thing to watch for in the headlines is any news that renewables have become much more attractive than oil. You wait; in the next few decades some enterprising individual will invent a super-efficient solar cell that provides all the power a real, practical car will ever need, and that is simultaneously integrated into wind farms making oil/gas plants passe. When that happens oil will be a thing of the past."


Very interesting article, thanks for posting. It's going to get really interesting really fast if investors force governments to raise taxes to pay investors, regardless of who's 'right' in the situation.   On a related note, I read awhile back that many US cities have sold the rights to various public areas to foreigners. For example, I believe Chicago sold the rights to collect parking fees along certain streets for 75 years to a company in the Middle East. Some cities then found that if they wanted to have a parade down that street, they had to compensate the company that owned the parking rights because they wouldn't collect any revenue the day of the parade.   I can't see how this ends well for the US economy.


Opened Long - is when you open a long position. Long means that you buy to open the position, so you are trying to profit as the price rises. So if you were closing a long position you would sell it. Closed Short - is when you close out a short position. Short means that you sell to open and buy back to close. With a short position you are trying to profit as the price falls. Scaled Out - means you get out of a position in increments as the price climbs (for long positions). Scaled In - means you set a target price and then invest in increments as the stock falls below that price (for long positions).


Generally bank transfers are not in themselves liable for tax. However making profit generally is taxed either as income, capital gains or some combination of the two. It seems that in the UK cryptocurrencies are being treated like other currencies for tax purposes and that trading profits/losses may count as either income or capital gains depending on the circumstances. https://www.gov.uk/government/publications/revenue-and-customs-brief-9-2014-bitcoin-and-other-cryptocurrencies/revenue-and-customs-brief-9-2014-bitcoin-and-other-cryptocurrencies However I do not know how to unravel whether particular trading activity would count as income or capital gains. I would suggest gathering as much information as possible and then discussing this with an accountant.


No. At least not in my case. Without divulging too much information. I don't tell any of my distributors how to sell my company's products our engage their customer base, but due to the nature of my business, I am frequently called on for product selection, marketing, quality, etc. Distributors often utilize their account reps and managers to help them push products on their customer base. The only way this could be seen as truthful, in my opion, is direct retail distribution. Because how are you going to track the product after it has been purchased by a consumer.


She should call 211. This is exactly how they help. The 2-1-1 service is run by the United Way, a nonprofit organization. The 2-1-1 service strives to be a clearinghouse for services within a local area.


You should seek professional advice from an accountant.


"Marketing is much more than ad placement. It encompasses everything - product price, design, how it feels in your hand, how it tastes, where you buy it, what you think when you think of a product in your mind.   Imagine something when you read the word ""soda"" - what comes to mind? Does it have a design? Color? A name? A label? Can you imagine the taste?  Unless you live in a self sufficient commune, you are influenced by marketing to some degree."


"If you have trouble with the USA then you might also consider an account in Singapore.  They're also better about international situations than the USA.  They also have a reputation for ""slapping down"" on corruption."


"Your return from a bond fund corresponds to the return on the underlying bonds (minus fees) during your holding period. So you can buy AND sell at any time. Some funds charge a penalty of 2% or whatever if you sell your fund shares within 30 or 60 days of buying it. There are two basic ways to profit from a bond fund. 1) you get dividends from the interest paid on the bonds. 2) you have a capital gain (or loss) on the bonds themselves. 1) is likely to happen. MOST (not all) bonds pay interest on time, and on a regular basis. This component of returns is ALMOST guaranteed. 2) There are no guarantees on what the ""market"" will pay for bonds at any given time, so this component of bonds is NOT AT ALL guaranteed. Your ""total return is the sum of 1) and 2) (minus fees). Since 2) is uncertain, your ""total return"" is uncertain."


The first thing you need to do is to set yourself a budget. Total all your money coming in (from jobs, allowances, etc.) and all your money going out (including rent, utilities, loan repayments, food, other essential and the luxuries).  If your money coming in is more than your money going out, then you are onto a positive start. If on the other hand your money going out is more than the money coming in, then you are at the beginning of big trouble. You will have to do at least one of 2 things, either increase your income or reduce your expenses or both. You will have to go through all your expenses (money going out) and cut back on the luxuries, try to get cheaper alternatives for some of your essential, and get a second job or increase your hours at your current job. The aim is to always have more money coming in than the money you spend. The second thing to do is to pay off any outstanding debts by paying more than the minimum amounts and then have some savings goals. You said you wanted to save for a car - that is one saving goal. Another saving goal could be to set up a 6 month emergency fund (enough money in a separate account to be able to survive at least 6 months in case something happened, such as you lost your job or you suddenly got sick). Next you could look at getting a higher education so you can go out and get higher paying jobs. When you do get a higher paying job, the secret is not to spend all your extra money coming in on luxuries, you should treat yourself but do not go overboard. Increase the amounts you save and learn how to invest so you can get your savings to work harder for you. Building a sound financial future for yourself takes a lot of hard work and discipline, but once you do get started and change the way you do things you will find that it doesn't take long for things to start getting easier. The one thing you do have going for you is time; you are starting early and have time on your side.


Because the normal and **perfectly effective** regulatory controls in place for the past 130 years, that allowed the states to monitor and intervene in any predatory lending, was dismantled by Bush in 2003, when he blocked all 50 state attorney generals from routinely investigating what they noticed was a sudden growth in questionable banking practices.  Not only that, when [ALL 50 state attorney generals protested](http://www.atg.wa.gov/BlogPost.aspx?id=28620), Bush used the OCC to threaten to sue any state AGs who persisted.    i.e., in 2003 Bush forcefully undid the longstanding Consumer Protection laws and castrated the state AGs, right as the state AGs were proceeding to stop the uptick in illicit bank practices, leading to the mortgage crisis a few years later. It wasn't until the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 that Congress **restored** what Bush dismantled in 2003.  (for your historical reference:  OCC = office of comptroller of currency.  The OCC and the states have long had a fair and balanced dual system, set by the vast majority of past Supreme Court rulings and the National Bank Act.  Bush abolished that precedent and used the OCC to give banks the power for the first time to fight off the state regulators.)


A lower Price/Book Value means company is undervalued. It could also mean something horribly wrong. While it may look like a good deal, remember;


I've done this, though with a loan company rather than a bank.  We agreed on price, drove to the loan company's office (the seller having notified them in advance), I gave them the money, got the title, and they gave the balance to the seller.   Important point is that you get the signed-off title from the lienholder.


"This ""article"" is pretty shit, but the one point it *should* bring up is that unemployment numbers do not include previously self-employed people that are actively looking for a job.  Because I'm not on unemployment, I'm not counted as unemployed and looking for a job, even though I am. Also, unemployment benefits run out at a certain time, so the government can write off self-employed people and people who's benefits have run out. That doesn't mean that those people aren't still looking.  If you think the government doesn't cook the books in their favor... well then I have at least a century's worth of history to show you."


>I think the Fed should print $ and distribute per capita rather than do QE, which helps the rich more...  That I agree with, but I think it would be more straight forward at the moment to just increase the minimum wage first of all, and then look at printing money.  Also not all subsidies are created equal, some are good at shaping desired behavior but too often they are inefficient and to the benefit of big business and the rich which doesn't need them.