"Its best to seek a lawyer, but it is unlikely you can force him to pay.  You probably know couples, that are in some part of the divorce process, that have trouble obtaining court ordered payments.  In your case you have less of a legal standing (exception: if you have children together).  As far as the house goes, the two of you entered into some sort of business arrangement and it will be difficult to ""force"" him to pay.   One thing that works for you is that he has excellent credit.  If he is interested in keeping a high credit rating he will ensure that no payments are late on the home.  Your question suggests that the two of you are not getting along very well right now, and that needs to stop.  The best financial decision you can make right now is to get along with him.   It seems that the two of you have not officially broken up.  If you do decide to depart ways, do so as amicably as possible.  You will have to work to get the home in your name only, and him off the deed.  This benefits both of you as you will have sole control of the house and this ill advised business decision can end.  He will have the home off his credit and will not be responsible if you miss a payment and can also buy a home or whatever of his own. Good luck and do your best to work this out.  Seeking peace will cost you a lot less money in the long run.  Fighting in court cost a lot of money.  Giving in to semi-reasonable demands are far cheaper then fighting. Here is an example.  Lets say he normally contributes $500 to the mortgage, and he decides to move out.  I would ask him to contribute $200 until you can get his name off the loan, say 6 months at the most.  After that you will put the house up for sale if you cannot obtain a mortgage in your own name and will split any profits."


When on this topic, you'll often hear general rules of thumb. And, similar to the 'only buy stocks if you plan to hold more than X years' there are going to be periods where if you buy at a bottom right before the market turns up, you might be ahead just months after you buy. I'd say that if you buy right, below market, you're ahead the day you close.  Edit - I maintain, and have Schiller providing supporting data) that real estate goes up with inflation in the long term, no more, no less. If the rise were perfectly smooth, correlated 100% month to month, you'd find it would take X years to break even to the costs of buying, commission and closing costs. If we call that cost about 8%, and inflation averages 3, it points to a 3 year holding period to break even. But, since real estate rises and falls in the short term, there are periods longer than 4 years where real estate lags, and very short periods where it rises faster than the costs involved.  The buy vs rent is a layer right on top of this. If you happen upon a time when the rental market is tight, you may buy, see the house decline 10% in value, and when the math is done, actually be ahead of the guy that rented.


"Just to go against the grain here. Sometimes, loaning money to friends is the right thing to do. For example, they had a loved one die, and need the money to cover funeral expenses until the life insurance pays out. Here, you may consider it your ethical duty to loan the money (or you may not). It does not make sense from a financial point of view (you are unlikely to charge interest and you are taking all the risk), but sometimes you put your financial prudence aside because ""being a good person and a great friend"" is more important. It is true that the general rule should be not to loan money to friends, and particularly never loan money you cannot afford to lose. But there are exceptions to every rule. I'll note that you may be best off with a plain-english, non-lawyery contract. Make it absolutely as simple as possible. As others have pointed out, specify a repayment date or schedule. Note what happens if they miss the deadline. Specify interest, if appropriate. Get it signed by you and the other person. And make sure you consider what happens if your friend doesn't honour the agreement. For that kind of money, it is also worth considering collateral."


"that just goes to show that - if you aren't making it up - either ""wealth manager"" is a joke job like ""life coach"" or that you are very terrible at it, and I feel sorry for anyone dumb enough to fall for your bamboozle."


"I have family in Argentina, this is no surprise to them.  Everybody I know over there, family and friends, are going crazy ""blowing up their credit cards"" and going through savings like there is no tomorrow.  Their mantra is.. ""enjoy it today, because tomorrow its evaporated""."


The price the provider charges you is the amount he would like to get for his services. Let's take an example, you do a blood test at a lab, and they charge you 1200.00$ If you have insurance, and the provider has a contract with that insurance (meaning 'they take them'), the contract limits what they can charge and what the will get. For the example, that might be 21.56$. This is what the insurance pays them (or what you pay them, if you have deductible). Note that if you have no insurance, you owe them 1200.00$. They are typically willing to negotiate that you only pay maybe 850.00$, but it still will be much higher than the insurance price. Why? The reason is that the insurance-agreed payment of 21.56$ does not cover their cost (but the insurance forces them to make that contract or basically be out of business). Let's say for example they need 26.56$ to make a living on it; so they lose 5.00$ on every insured customer. One in 235 customers has no insurance, and his price is calculated as 26.56+235*5.00 = ~1200.00$, so his bill covers the losses for all insured 'under-payers' (all numbers are examples made up to illustrate the math the provider does). My bloodwork typically comes between 800 and 1400, and gets reduced to around 20: so the numbers are not completely off. The ratio and concept works for doctors and hospitals the same, just not as significant a difference.


As others have noted, you can do better than a checking or savings account. If you're going to invest emergency money, the vehicle you put it into should be: Liquid - Wherever you put it, you should be able to quickly cash it out. Highly liquid exchange traded products are good for this.   Low volatility/drawdowns - If you need at least 6 months of your paycheck to cover you in the event of an emergency, you don't want to park it in a portfolio that can potentially lose 30% value. Insured - Your investments should have SIPC coverage (protection against losses resulting from failure on part of broker). Moderate/Steady Growth - If the emergency fund doesn't grow, you'll need to continually pump money into it. My 'steady growth' portfolio is majorly allocated to fixed income. Within that, a major portion is allocated to high yielding instruments. Over the past 10 years, it's seen at least a 7% annualized return.


The way I handle clothing purchases, is I save a little bit with each paycheck but don't commit to spending each month.  I wait until I find the exact item I need or know I will need in the near future.  I have a list of things to look for so I don't get off track and blow my budget.  And each time I consider hitting Starbucks or buying a random something at Target, I think which is a better investment - a great pair of pants that will work for me for a decade, or a latte? Thank you for linking to me.  Your question is one many people have.  I feel that clothing should be purchased slowly, with care.  If you do it this you will buy items that don't need to be replaced every two years, and will maintain style and quality longer. :)


Everyone would like a savings/checking account that has the same liquidity as others but pays multiple times as much, but such a thing would break the laws of finance.  The thing keeping savings and checking accounts cheap isn't particularly the FDIC insurance but the high liquidity and near certainty that you will not lose money.  In all of finance you are compensated for the risk (and perhaps illiquidity) you bear.  If you insist on a risk-free and highly liquid investment, you will get the risk-free and highly liquid rate, which is currently around 1%. Doesn't matter what type of investment it is (savings, money market, treasuries, etc.).  Money market funds, in particular, were designed to be a replacement for savings accounts.  They have decent liquidity and almost no risk (and no FDIC insurance).  But they earn about what good savings accounts do, because that's what risk-free investments earn. If you wish to earn more you must decide what you will give up: Decide on one (or both) of those to sacrifice and you will find yourself with options.


"That's not exactly what I meant, but it works I guess. I was more referring to that our ""liberal"" ideas will become common place and traditional. The next generational will have their own fresh ideas and become the new liberals. This is **very generally** speaking."


"Sure. But that's a massively different statement than ""his parents handed him the job"". There are tons of other kids who grew up in similar circumstances with similar advantages that aren't fucking CFO of major corporations at age 29. It's an incredible accomplishment regardless of his background."


Not too crazy about the article; skimmed it.  He could have boiled it down into:  tl;dr:  software does stuff i don't want to lol and i have a rich friend lolol.  software lol.  software? diversify and be passive lol.  software, k? k, bye.


If you know, approximately, the minimum he would get in a month, his budget should be planned based on this amount. In months where he gets more than this, the excess should be put aside. In really bad months where the income drops below the expected minimum, he can use the money put aside. After a year of putting money aside, he can plan to use and budget this for any other expenses.


"I may be walking on thin ice but that's never stopped me from answering before. ;) I have a PhD in physics.  I knew that I wasn't a die-hard publisher so I didn't pursue academia. A postdoc will likely pay about what a person with a BS in math could make in industry, but you're now a few years past that age.  You'll be playing catch-up.  The magic of compounding was working on a small amount of money while you were studying, if it was anything like my experience. When I think ""postdoc"" I think ""you're looking for tenure track"" so if that's incorrect forgive me.  Competition will be fierce for those positions, meaning you'll be looking at not one but several postdoc positions, all at low salaries.  Postdocs are a way of absorbing the glut of PhDs. Tenure track is a long road, and by the time you get there -- if you get there -- who knows if there will be such a thing as tenure? Long way of putting this:  I'd take a good, hard, careful look outside of academia for your employment if you're concerned about your financial outlook."


This diagram is very misleading. At first glance readers might think that the size of the bubble are the areas working class people cant afford to live in. In reality, its only cities that become too expensive for blue collars..which has always been the case. Outside of the Bay area and LA, MOST of Cali is actually cheap(er) to live in, and is comprised of many rural communities.


A combination of market research and tax law would likely be the combination used to set the salary. An elaboration of each: Taxes - In Canada and the US there can be differences in how payments are treated if they are salary,e.g. payroll taxes such as CPP, Social Security and others may apply in this case as well as personal income tax rates, or dividends, which may have different treatments in some jurisdictions I believe. If salary above $250,000 is taxed at 40% and dividends are taxed at 15%, which rate would you rather pay? (This is hypothetical as no jurisdiction has been noted here yet.) Most provinces and states in North America will tax the first few dollars at rather low rates and so it isn't bad to take a nominal rate of $1 or so in salary as usually the higher rates exist for higher salaries. Executive Compensation has come under scrutiny in recent years though it is usually a mix of salary, bonuses, and stock either restricted or options. Market Research - Some companies may research what other small public companies would pay executives as the salary may have to be approved by a board of directors in some cases. At least this would be how I remember things being decided in small companies I worked for in Washington State and the province of Alberta. In a lot of company cases, excess earnings are stored and if there is enough of a pile then a special dividend may be given out though some corporate structures like REITs force dividends to maintain their tax status. Note the payment in dividend here requires that the President be able to dictate what happens with the cash in the bank of a company which isn't going to be the case for the regular employee. Also, the dividends here would go to all the shareholders and thus if there are people besides the President owning shares they would also get their portion based on what they own.


Pennsylvania is one of the states that divide the land up in to thousands of jurisdictions all of which have the power to tax.  Where you live (or work) is located in either a county, city, township or borough. They can tax you based on either your income, your property. You can also be taxed by the school district which can encompass multiple jurisdictions. You should get local tax help to make sure that all the appropriate taxes are being covered.


I am in a very similar situation as you (software engineer, high disposable income). Maximize your contributions to all tax-advantaged accounts first. From those accounts you can choose to invest in high risk funds. At your age and date-target funds will invest in riskier investments on your behalf; and they'll do it while avoiding the 30%+/- haircut that you'll be paying in taxes anyhow. If, after that, you're looking for bigger risk plays then look into a brokerage account that will let you buy and sell options. These are big risk swingers and they are sophisticated, complicated products which are used by many people who likely understand finance far better than you. You can make money with them but you should consider it akin to gambling. It might be more to your liking to maintain a long position in a stock and then trade options against your long position. Start with trading covered calls, then you could consider buying options (defined limited downside risk).


">The guy still gets his.  If you have 10 cars, and the government takes 4 cars. For most people with 1, 2 or no cars, they'd say, SHIT! You've still got 6 cars!!  But if you could sell the company, reduce liabilities (there are certain liabilities beyond a certain size, so say above 5,000 employees you must pay a certain amount additional in medical insurance costs, that incentivizes reducing employees from 7,000 to 4,999.) and move to a tropical island and keep your 10 cars, What would you do? Still Give the government your 4 cars? and then what if you think and know the government is notoriously inefficent at distributing those cars to those who ""need them"" and you know 2 are lost in transportation and 1 is lost to administrative costs so only 1 of those cars is given to people that need it--- how would you feel that the government took your 4 cars? You'd be upset.  >Real CEO's figure out how to make more profits under given circumstances.  You mean like offshoring and setting up tax havens in other countries? YAY! GM and GE!    >Whiny children complain about it not being fair and fire all their staff out of spite.  It's not in spite, it's purely a business decision, just a lot more frank and honest than most companies are who bullshit and white wash serious issues they are facing.   >If I was a shareholder I'd be worried.   That's what you don't get, he is the sole principal of the company, he is the shareholders. The buck stops with him.  >Not about Obama but about the loose cannon CEO that is threatening to devalue my stock out of spite because he doesn't know how to run a business properly.  Being the principal he is the sole decision maker--- you think he'd screw up his 40+ year old company that has been his life's passion over spite?"


Visually, it's nice. But the problem is actual usage. Apple maps does not work. As someone who has tried using it many times, it simply does not work. It can't find addresses that Google Maps finds with ease. That is what a map program needs to do. And it doesn't.  It also is completely wrong for the typical New Yorker, which is what I am. It doesn't have public transportation built in. When zoomed out, it shows me gas stations, like I fucking need them. It also shows icons for chain restaurants that I could give a shit about... why does Burger King need a big ol' icon taking up 2 blocks? Who thought of this feature and didn't give me the option to turn it off or even configure it?  Sorry... it is not a very well done app.


I read about the 90-90-90 rule aka 90% of the people lose 90% of the money in 90 days.  Anything that happens in 90 days or less is speculation (effectively gambling), not investment. And the 90-90-90 thing sounds around right for inexperienced amateurs going up against professionals in that space. I don't know anyone who actually made significant amount money by investing in stocks or other financial products except those appearing in TVs. Lots and lots and lots of people do.  I heard that people who actually encourage common people to invest in stocks are stock brokers and fund managers who actually gain by the fact that more people invest.  No. It's true that lots of people will give you advice to by specific stocks or financial instruments that will earn them comission or fees, but the basic idea of investing in the stock market is very sound; ultimately, it's based on the ability of companies to create value and pay dividends. Could you please give some valid reasons to invest in stocks or other financial market. Thank you. Well, what else can you do with your money? Put it in an interest-bearing bank account? Effectively, you'll still be investing in the stock market, the bank is just taking most of the returns in exchange for guaranteeing that you'll never lose money even temporarily.


The US is where you want to go for complex, highly invasive, or cutting-edge-not-quite-experimental-anymore medical care.  If it's not heart surgery or brain surgery or treating cancer with your own harvested stem cells, there are much cheaper options available in other nations.


"It'll make it much easier for Terrorists to board...  Take a look at this video - where some comedians in Australia actually booked domestic flights as ""Al Kyder"" and ""Terry Wrist""- and when they failed to board, the gate actually paged them on the pa...  http://www.youtube.com/watch?v=Qy-S5DzmFy8"


According to Apple, usage of passwords on phones went from 50% to 80% when they brought out Touch ID.  It's a really cool and really useful feature, especially for people who had to enter long complex passwords frequently (e.g. enterprise users). When it's integrated into 3rd party apps it will make password managers like 1password, which are pretty much a necessity if you want your accounts to be secure these days, much more convenient to use.  For me personally, it's nice to be able to leave my phone around without my family going through my messages and photos.


"You're right, and a quick point to support this is what I just read on the [FDA site](http://www.ams.usda.gov/AMSv1.0/NOPConsumers).  >How Do I Know if My Food Is Organic? >>Look at the label. If you see the USDA organic seal, the product is certified organic and has 95 percent or more organic content.  95 percent^95^95^95^95^95^95  Pretty sure my Diet Coke is ""95 percent or more"" water, looking forward to seeing the organic sticker on it."


You need to hire a veteran product marketing manager who can help you position and message your product, and will also be connected to whatever ecosystem you operate in.  Then you need to find and hire a talented Marcom person.  Products never sell themselves, no matter how good.  And people would rather buy average products from an established company that they know will be there in a year, then a great product from a company with no credibility.  A good marketing team will help you build credibility and brand for you.  Don't be that CEO who thinks he/she knows how to message and pitch their product.  Because that is always ultimately a failing strategy, proven over and over.


I am still fairly early on in the process so I can't give you the best insight. I study at a CC in California and one of the biggest roadblocks is finding like minded individuals. Most of the students have no interest in being there so it's hard to connect with 18-19 year-olds about finance/econ.   Personally, I am going to have to overcome my shitty high school transcript to get into the top schools. I have a 3.8, tutor econ and accounting for the school, am president of the veterans' club, and am founding the business club next semester. That still might not be enough, which stresses me out. If you have a good academic history and thrive in CC you should have a much better chance than I.


"Scienctific consensus does not = truth. And never has. The list of junked science is long.  http://en.wikipedia.org/wiki/Superseded_scientific_theories   Global warming is too. http://web.stanford.edu/~moore/Boon_To_Man.html  ""Increased CO2 is greening the planet. Based on satellite observations from 1982-2010, CSIRO found that rising atmospheric CO2 levels correlated with an 11% increase in foliage cover across a number of arid areas in Australia, North America, the Middle East and Africa. Performed in collaboration with the Australian National University (ANU), this study determined that the fertilization effect occurs where elevated carbon dioxide enables leaves to extract more carbon dioxide from the air, lose less water to the air, or both during photosynthesis.""  http://www.thegwpf.org/rising-co2-level-greening-planet-earth-study/"


"Yes, there is a lot they are leaving out, and I would be extremely skeptical of them because of the ""reasons"" they give for being able to charge $0 commissions. Their reasons are that they don't have physical locations and high overhead costs, the reality is that they are burning venture capital on exchange fees until they actually start charging everyone they suckered into opening accounts. They also get paid by exchanges when users provide liquidity. These are called trade rebates in the maker-taker model. They will start offering margin accounts and charging interest. They are [likely] selling trade data to high frequency trading firms that then fill your stock trades at worse prices (Robinhood users are notorious for complaining about the fills). They may well be able to keep commissions low, as that has been a race to the bottom for a long time. But if they were doing their users any actual favors, then they would be also paying users the rebates that exchanges pay them for liquidity. Robinhood isn't doing anything unique as all brokers do what I mentioned along with charging commissions, and it is actually amazing their sales pitch ""$0 commissions because we are just a mobile app lol"" was enough for their customers. They are just being disingenuous."


">It's more like, asshats never let the government really try to help these people.   No, there are actually several inherent paradoxical effects of such ""assistance"" that actually tend to exacerbate the problem.    >Welfare was reducing poverty up until the early 90's [...]  Ummm... no, it wasn't. From the University of Michigan's ""National Poverty Center"":  >*In the late 1950s, the poverty rate for all Americans was 22.4 percent, or 39.5 million individuals. These numbers declined steadily throughout the 1960s, reaching a low of 11.1 percent, or 22.9 million individuals, in 1973. Over the next decade, the poverty rate fluctuated between 11.1 and 12.6 percent, but it began to rise steadily again in 1980. By 1983, the number of poor individuals had risen to 35.3 million individuals, or 15.2 percent.* [(Source)](http://www.npc.umich.edu/poverty/#3)  Note that [LBJ's ""Great Society initiative"" and it's ""War On Poverty"" (aka the welfare system)](http://en.wikipedia.org/wiki/Great_Society#War_on_Poverty) were not [passed as legislation until near the end of 1964](http://en.wikipedia.org/wiki/Economic_Opportunity_Act_of_1964) and really weren't rolled out (in their initial, limited form) until 2 years later (circa 1967) -- Nixon's administration (elected in the fall of 68 and taking office in early 1969) then *expanded* the programs to what is commonly thought of as the full ""welfare system""...  And that took effect in the early 1970's, about the time that the poverty levels actually QUIT descending (in fact they had already leveled off) and began INCREASING again.  Now doubtless the inflation of the mid to late 1970's exacerbated the problem (said inflation chiefly due to the Nixon Shock of effectively ""defaulting"" by taking the dollar off the Gold standard -- a move that was NOT the result of some ""grand economic theoretical change"" but rather was something that HAD to occur due to the balance of payments crisis {foreign countries were cleaning out the US gold reserve bey demanding gold in exchange for the dollars that had been blatantly ""printed"" and spent by both LBJ and Nixon to pay for the welfare/warfare state}).  But regardless, the point holds that the ""welfare system"" accomplished NOTHING as far as ""ending poverty"" (which WAS in fact it's purported aim) -- and in reality, it ENDED the steady long term *natural* reduction in poverty that HAD been ongoing for the post-depression decades (and the several decades prior to the depression era).  >If you want to say welfare is a failure, you should really limit your data to periods where we were actually providing a realistic amount of aid to families and not the last 20 years   If you want to claim that it actually REDUCES poverty, you should come up with SOME data (really ANY) that shows that... because history (both in the US and elsewhere) shows that it simply and plainly doesn't.  If you want to know the hows and whys ... I'd suggest you check into a fairly recent book entitled [""The Careless Society: Community And Its Counterfeits""](http://www.amazon.com/Careless-Society-Community-Its-Counterfeits/dp/0465091261) by John McKnight (a ""lefty"" disciple of people like Saul Alinsky) who is director of the Community Studies Program at the Center for Urban Affairs and Policy Research at Northwestern University (i.e. hardly a hotbed of ""conservatives"").  >where we gave them an increasingly smaller share and wondered why they weren't getting ahead.  Your correlation is misdirected.  The chief reason for the ""flattening"" of wages has a lot MORE to do with economic fundamentals of monetary manipulation. (Look at any graph of wage growth... you will see an almost DIRECT change right around the time the dollar went OFF the Gold standard.)  The reasons this impacts the lower classes (lower AND middle class) significantly more than the upper class are (oversimplified, but still) essentially:   1) the lower and middle classes have to conduct business in the form of dollar-based contracts, and chiefly derive income via selling their labor (something that is not easily multiplied) -- IOW their potential revenue streams are limited, and their wages are set in terms of dollars (which are being steadily and regularly, often very significantly, debased via inflation); even when they DO achieve ""cost of living"" increases in pay (to purportedly ""make up"" for inflation), said increases *always LAG* the inflation (by definition).  2) While the lower classes *may* have some debt (basically mortgages) that *might* ""benefit"" from the inflation (via being able to pay off the debt in later ""debased"" dollars) -- because of the lag factor mentioned above, the benefit is essentially negated -- in addition, the lower classes are not ""leveraging"" debt for productive investment; they are instead carrying ""consumption"" debt.  3) Meanwhile, the upper class chiefly owns ASSETS, and increasingly under the ""fiat"" monetary system that has existed (in ""pure"" form since the fall 1971 Nixon ""shock""), they have leveraged that via easily available credit (on far better terms in the form of lower interest rates, often well BELOW the rate of inflation, thus every dollar borrowed actually INCREASES their holdings values); and so they gain increased control over productive assets, which they have (via the leverage) been able to multiply several times over.  *The really SAD thing is that instead of comprehending what the REAL problems are, far too many people (like you sourbre) have been ""duped"" and tricked, and indoctrinated into looking for even MORE of the same things that have caused the worsening current situation.*"


You don't start out buying a shopping mall, you have to work up to it.  You can start with any amount and work up to a larger amount. For me, I saved 30% of my salary(net), investing in stocks for 8 years.  It was tough to live on less, but I had a goal to buy passive income.  I put down this money to buy 3 houses, putting 35% down and maintaining enough cash to make 5 years of payments.  I rented out the houses making a cap of 15%.  The cap is the net payment per year / cost of the property, where the net accounts for taxes and repairs.  I did not spend any of the profits, but I did start saving less salary.  After 5 years of appreciation, mortgage payments and rental profit, I sold one house to get a loan for a convenience store.  Buildings go on the market all the time, it takes 14 years to directly recoup an investment at a 7% cap, which is the average for a commercial property sale.  Many people cash out for this reason, it's slow, but steady growth, though the earnings on property appreciation is a nice bonus.  Owning real estate is a long term game, after a long time of earning, you can reinvest, but it comes with the risk of bad or no tenants. You can start both slower and smaller, just make sure you're picking up assets, not liabilities.  Like investing in cars is generally bad unless you are sure it will appreciate.


if the rate of interest on both loans is 6.5%, it does not make any difference against which loan you offset. if you offset it with 50K loan, you will close it sooner [I am assuming your 50K loan is of shorter tenure compared to the 300K without considering offset]. The overall interest outgo looks larger if you close the shorter loan vs closing the larger loan, however the net effect is the same if you start putting out the balance $400 to the 300K loan after you have closed it out.


Server at Local Applebee's here.   I used to work for the company in the 90s when I was in college. Last worked for them in 97. Cut to December 2016 and as a Stay At Home Dad I need a job. Get rehired and have been Serving again since.  I can confirm two things. One, people hated tipping 15% then and hate 20% that much more now. The amount of regulars we have that come in, eat and leave no tip is significant.  Two, it's not the food, it's the people the company has hired to cook it. Here in NH we have the lowest unemployment in the US. My kitchen manager talks frequently about how they can't find anyone to hire. An Applebee's kitchen is absolutely waaaay more than a bank of microwaves and *needs* people who know how to broil steaks and grill burgers.    Want customers apparently want is Top Sirloin food and service at McDonalds prices, and the only way the company can provide that is to pay employees nothing. And then the company and the customers get what they pay for. Crap people.   Not sure how this cycle will get broken but it's a Death Spiral if they don't.


">What’s more, some experts argue that retailers make up for the swipe fees by quietly raising the cost of their goods.   Are the ""experts"" arguing that saying it's a bad thing? They're implying it is, with that ""quietly raising the cost of their goods.""  Retailers adjust the cost of their goods to account for the costs of business. Credit card processing is a cost of business, just like labor and electricity. Of course if should be factored into prices."


We take this opportunity to introduce our organization, [**Ngo**](http://ngoregistration.org) Management for Services, with its office in Hasanpur, New Delhi.We provide information and professional advice on important aspects of government policy initiatives for development through the following instruments, to assist organizations and [**NGO**](http://ngoregistration.org)’s involved in various development activities and strengthen the efforts. We provide services in the following fields:[**NGO**](http://ngoregistration.org), Trust, Firm, Society, Cooperative Society, Company, Projects etc.  [**NGO Consultancy**](http://ngoconsultancy.in)  [**Registration of NGO**](http://ngoregistration.org)  [**NGO Registration**](http://ngoregistration.org)  Registration of Muslim NGO  Muslim [**NGO Registration**](http://www.tagged.com/ngoregistration)  Registration of Society   [**Registration of Cooperative Society**](http://ngoregistration.deviantart.com/)  Registration of Non-Profit Society  Registration of Non-Profit [**NGO**](http://ngoregistration.livejournal.com/536.html)  Registration of Non-Profit Company  12 A Certificate  80 G Certificate  Certificate of 35 AC  Certificate of 35 (1&2)  FCRA: Permanent, Prior Permission and Amendments  Foreign Contribution Regulation Act  Project Reports, Funds.  Contact Name: [**Ngo Consultancy**](http://ngoregistration.org)  Contact:011-43557608,011-22235922  Address:Crystal Vision,45B,Hasanpur Main Road,1st Floor,I.P. Extension,Patparganj,Delhi-110092.


Onsite Rental services Pvt Ltd. offers high quality portable bathroom and washroom for all type of open air events. These are highly comfortable and acceptable for gents and ladies.  If you are planning to organize an event, give us a call- 01129836752 and Email- info@onsiterentals.com


Internet and Game Zone is a one shop stop for all your needs related to Computers. Whether it is some repair work or website design, we do all at reasonable prices. Shops of computer repairs in Morrinsville are very rare which provide the best service.


This would clear out a lot more. 1) Leverage is the act of taking on debt in lieu of the equity you hold. Not always related to firms, it applies to personal situations too. When you take a loan, you get a certain %age of the loan, the bank establishes your equity by looking at your past financial records and then decides the amount it is going to lend, deciding on the safest leverage. In the current action leverage is the whole act of borrowing yen and profiting from it. The leverage factor mentions the amount of leverage happening. 10000 yen being borrowed with an equity of 1000 yen. 2) Commercial banks: 10 to 1 -> They don't deal in complicated investments, derivatives except for hedging, and are under stricter controls of the government. They have to have certain amount of liquidity and can loan out the rest for business. Investment banks: 30 to 1 -> Their main idea is making money and trade heavily. Their deposits are limited by the amount clients have deposited. And as their main motive is to get maximum returns from the available amount, they trade heavily. Derivatives, one of the instruments, are structured on underlyings and sometimes in multiple layers which build up quite a bit of leverage. And all of the trades happen on margins. You don't invest $10k to buy $10k of a traded stock. You put in, maybe $500 to take up the position and borrow the rest of the amount per se. It improves liquidity in the markets and increases efficiency. Else you could do only with what you have. So these margins add up to the leverage the bank is taking on.


Ultra Torq is a major supplier of high quality bolt tensioners and tools for pipe cutting and beveling. Providing innovative production-boosting solutions in Eastern Canada.Oil refineries, mechanical construction or wind energy plants, you can count on us for highly efficient bolting, tensioning, pipe beveling, pipe cutting and tube removal & installation tools from recognized names


Find out what your take home pay will be. There should be someone in the company who can give you an idea there. Once you know that, setting up a budget is pretty straight forward. You need  Subtract the sum of all that from the take home pay. If you are negative, you will have to supplement with your savings. If you are positive, you can have some fun (or use surplus savings to have fun).


World Wide Inspection and Calibration Services Est is a UAE based company specialized in the field of Lifting & Material handling Equipment, instrumentation & control related to oil, gas, power, water, petrochemical and processing industry. Mainly provide service and supplies in Abu dhabi, Al ain , Sharjah, Dubai, Ruwais. Worldwideics.ae is dedicated to providing a safe and healthy workplace for its clients, subcontractors, employees and the community. It strive to deliver quality results that meet its clients expectations through the delivery of innovative testing methods and strong client relationships.


Setting up the new company can often be scary, especially if you never run a business or company before. We have the excellent and experienced team of professionals who are very helpful for you with the Free company formation process. We are also proud to maintain that our special personal touch in order to deliver the best service. This is very important to launch and Incorporating your business on the right footing. Your trustworthy relationship with us need not end at the services of the company formation. You also avail many benefits from our company professionals in all matters.


It is a lousy investment to purchase an apartment in China. Chinese citizens purchase apartments in China because, well... here's how China works: There's some fundamentals driving Chinese property values higher, but mostly it's a bubble caused by those reasons.


In absolute terms the risk is about the same.  If you own the stock and your put option goes in the money, then you have the option to get rid of your stock at yesterday's higher price.  If you don't, you can sell the option for a higher price than you paid for it. But, as you calculated yourself, the net gain or loss (in absolute terms, not percentage terms) is the same either way.


"I have done Wal-Mart's in-store pickup exactly once and don't plan on doing it again. You'd think the item pickup would be at the Customer Service desk right next to the front door of the store. Wrong. It's at its own desk in the very back of the store next to the employee bathrooms/breakroom. The furthest it could possibly be from the front door.  I wound up waiting longer for an attendant to mozy on back to the pick-up desk, dig out my items from the back, and ring me up than I would have taken getting the items myself. Seriously... I rang the ""needs assistance"" buzzer at the pickup desk three times over the course of fifteen minutes and had to ask two employees having a chit chat ""break"" in the department directly outside of the pickup area to page someone before the employee responsible for minding the desk actually showed up. Turns out one of those employees having the chatting session was the person supposed to be helping us. Oh, and since the desk was right next to the employee bathrooms, several employees went back for breaks while we were waiting. Not one of them asked us if we were being helped (or really, spared us a glance in the first place.)  And to top it all off...since I was wheeling a cart with bags of purchased merchandise and large boxes with electronics from the rear of the store instead of from the normal cash register area, *of course* I was eagerly interrogated by a receipt checker on the way out of the store.  It was an exercise in extreme frustration. Never. Again."


Risk is reduced but isn't zero The default risk is still there, the issuer can go bankrupt, and you can still loose all or some of your money if restructuring happens. If the bond has a callable option, the issuer can retire them  if conditions are favourable for the issuer, you can still loose some of your investment. Callable schedule should be in the bond issuer's prospectus while issuing the bond. If the issuer is in a different country, that brings along a lot of headaches of recovering your money if something goes bad i.e. forex rates can go up and down. YTM, when the bond was bought was greater than risk free rate(govt deposit rates) Has to be greater than the risk free rate, because of the extra risk you are taking. Reinvestment risk is less because of the short term involved(I am assuming 2-3 years at max), but you should also look at the coupon rate of your bond, if it isn't a zero-coupon bond, and how you invest that. would it be ideal to hold the bond till maturity irrespective of price change It always depends on the current conditions. You cannot be sure that everything is fine, so it pays to be vigilant. Check the health of the issuer, any adverse circumstances, and the overall economy as a whole. As you intend to hold till maturity you should be more concerned about the serviceability of the bond by the issuer on maturity and till then.


diversifying; but isn't that what mutual funds already do? They diversify and reduce stock-specific risk by moving from individual stocks to many stocks, but you can diversify even further by selecting different fund types (e.g. large-cal, small-cap, fixed- income (bond) funds, international, etc.).  Your target-date fund probably includes a few different types already, and will automatically reallocate to less risky investments as you get close to the target date. I would look at the fees of different types of funds, and compare them to the historical returns of those funds.  You can also use things like morningstar and other ratings as guides, but they are generally very large buckets and may not be much help distinguishing between individual funds. So to answer the question, yes you can diversify further - and probably get better returns (and lower fees) that a target-date fund.  The question is - is it worth your time and effort to do so?  You're obviously comfortable investing for the long-term, so you might get some benefit by spending a little time looking for different funds to increase your diversification. Note that ETFs don't really diversify any differently than mutual funds, they are just a different mechanism to invest in funds, and allow different trading strategies (trading during the day, derivatives, selling short, etc.).


A tenant is a tenant regardless of your relationship to them, and as long as the property is classified as an investment property, you can claim depreciation and regular business losses just as you would on any property with any tenant.


Kind of pointless when 1/2 goes to military 1/4 to banks, the rest for poorly organised social services. Better off setting up a separate foundation / charity or it will just get recycled back into wealth disparity activities. No point raising tax revenues when its spent on war inc and wallstreet.


"Indeed, the correlation has been across all stocks and even branching out to other asset classes on a lot of days.  As a sort of ""hedge"" I like to use high yielding dividend stocks as my trading vehicles.  If all stocks are going to trade in tandem I may as well have downside protection built in.  Dividends do that.  I gain from a churning market and if I get the macro wrong then I can double or even triple down for the div yield.  I like it...so far no holes in the plan have formed up.  Been working well for a couple of years.  As far as the macro I think the correlation to the euro will break if Italy gets past its late January '12 auction.  My whole thesis falls apart if that auction does not snap the capital markets like a twig.  I'd have to get more bullish overall.  If they also get past the big Febuary auction then I think the euro will be convincingly out of the woods."


"It goes beyond that, its the number of human beings we can think of as ""people"", we cannot imagine the possibility of there being thousands of people out there (let alone billions) so we associate the actions of many people to be done by one agent, so people say things like ""The government wants"" and ""The elite want"", ""the Jews want"", ""China wants"". You can also do this with companies like that guy did, who took the actions of thousands of people, which our meat minds cant understand, and made it the action of one person, which we can understand.  I am an expert on the subject, I read both the cracked article and the wikipedia article, sorry sir but you are wrong."


A stock represents your share of ownership in a corporation. All of these shares indicate towards your part of ownership in a corporation a shareholder, stockholder or a shareowner in a company. In order to get a stock, be sure to secure the assistance of a licensed stockbroker to buy securities on your behalf. Yes, anyone having substantial amount of money to invest can buy/own/use stocks. Holding a stock for less than a year makes it a subject to tax on your regular income for short-term gains. Most of the people find it higher than the capital gains. In addition, your annual income also comes into play.


This isn't about laziness but rather brand recognition.  Someone who wants to buy coke will be looking for the classic red can they always get, while avoiding the swill that is diet coke.  Subconsciously they may even associate the white coke cans with the inferior taste of diet coke.  The consumer might even select a case of Dr. Pepper because of this.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/talkbusiness] [Glencore gains approval to buy into Rusal's Ukrainian alumina plant](https://np.reddit.com/r/talkbusiness/comments/77zjgp/glencore_gains_approval_to_buy_into_rusals/)  [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*  [](#bot)


I have sold a few items on ebay.  The biggest issue I have with ebay is all of the fees.  I am not sure how much has changed recently, but when I was selling stuff it felt like ebay and paypal took a large chunk of the money.  I could be wrong, but it seemed like they were getting around 35% or more of my 'profits'.  Of course, you then have the shipping fees on top of that, which will run a few bucks on common items.  For items that sell for around $20 on ebay, I felt like I was ending up with about $5 in my pocket.   I have used Amazon to sell used books, though I haven't done that for about a year or so.  They had no fees for listing items, and the item remains listed for about 90 days.  If it sells, they process the payment and can deposit it into your bank account or provide an Amazon gift certificate.  I forget Amazon's fees, but I remember that it didn't seem to be as frustrating as the ebay/paypal price structure.


**Linux**  Linux (pronounced /ˈlɪnəks/ LIN-əks or, less frequently, /ˈlaɪnəks/ LYN-əks) is a Unix-like computer operating system assembled under the model of free and open-source software development and distribution. The defining component of Linux is the Linux kernel, an operating system kernel first released on September 17, 1991 by Linus Torvalds. The Free Software Foundation uses the name GNU/Linux to describe the operating system, which has led to some controversy.  Linux was originally developed for personal computers based on the Intel x86 architecture, but has since been ported to more platforms than any other operating system. Because of the dominance of Android on smartphones, Linux has the largest installed base of all general-purpose operating systems.  ***  ^[ [^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/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index)   ^] ^Downvote ^to ^remove ^| ^v0.21


"If there are no limit orders on the opposite side of the book when your market order gets its turn for execution, it should be rejected by the market.  A market order should generally not ""sit on the book"" like your question suggests waiting for another order to arrive.  Thus, the situation that you describe should not happen in an ordinary market that is operating in an orderly fashion. This is not to say that your order cannot ""sit"" for a while in a queue - If there is heavy volume, orders will be executed in order, so your your market order may have to wait for orders entered ahead of it to be processed.  But once its turn comes up, that's it. There are some related points to consider: I should caution that my answer is biased a bit to US stock markets, whereas you asked about currency markets.  I believe the same basic principles apply, but I'd be swayed by someone with evidence to the contrary.  I'd also note that currency tends to be more liquid than stock, so I think it's less likely that this situation would come up.  Maybe possible for a ""weak"" currency or a currency that experiences a sudden crisis of some sort."


This is a review of Broad and Wade’s Betrayers of the Truth. The author uses a subtitle which is revealing: the loyalist responds to heresy not by seeing that something might be wrong, that there may be some merit to this sort of reassessment, but by defending the ideology. Zinder has managed to misread Broad and Wade in several places. There is sufficient misrepresentation to mean that he read the book very selectively. “The authors continually confound science with scientists. And the book not only fails to enlighten us on science but doesn’t even begin to provide any insight on scientific method.” (p. 94) “Thirty four cases of fraud over a 2,000 year period are documented in the book, a number roughly comparable to the number of lawyers who went to jail for Watergate. Despite this small number, the authors imply that scientific fraud is common. They estimate that there are 100 additional major frauds, plagiarisms, and data fabrications for each one detected


I couldn't find historical data either, so I contacted Vanguard Canada and Barclays; Vanguard replied that  This index was developed for Vanguard, and thus historical information is available as of the inception of the fund. Unfortunately, that means that the only existing data on historical returns are in the link in your question. Vanguard also sent me a link to the methodology Barclay's uses when constructing this index, which you might find interesting as well.  I haven't heard from Barclays, but I presume the story is the same; even if they've been collecting data on Canadian bonds since before the inception of this index, they probably didn't aggregate it into an index before their contract with Vanguard (and if they did, it might be proprietary and not available free of charge).


Romney does not lack intelligence, wisdom, or skill. Anyone who would claim that I would say is blinded by bias.  He is very good at what he does. Unfortunately what he does is not what I believe needs to be done for the USA.  I disagree with the man's ideals and beliefs, but I don't underestimate his ability.


Because companies (big or small) only pay taxes on *profits* rather than *revenues*. It can't be any other way, really, because of the $5 you pay for the big mac, most of that goes to pay suppliers and employees and only perhaps $0.50 would be profit.  But that fact also opens up all sorts of loopholes. For example, a US company can license a patent from a Cayman Islands company, and make yearly payments. Thus, the US company no longer has any profits, and all of that money winds up in the Caymans.  That's a trivial example, but there's an entire industry dedicated to doing this shit. I'd be impressed if you could craft any law that banned this without also banning legitimate international commerce.


Fuel injection systems have a special device called Electronic Control Unit which controls power to the fuel pump. It is specially programmed to shut off the fuel pump if it detects zero or low pressure. This safety feature avoids the risk of fire in the engine compartment in case of terminal or collisions failures.


"I carry 2 devices.  That said - at my job we were getting emails 24 hours a day, 7 days a week.  And at the same time there was no recognition of it by my employer and they wanted to know if you took a ""sick day"" or ""vacation days"" --- which is bizarre since for 6 years I never had so much as one day where I was truly off-off.  I was answering emails right before I walked outside for my wedding.  You HAD to be on it all the time.  It was nuts."


All the best to your sister's business. That being said, if she doesn't have a lot of these things (or at least a team that does) by now she may not want to open the restaurant just yet. There's lots of great cooks, but it's a different beast when they have to run the whole show. The success failure ratio for new restaurants is pretty staggering.   Again though, best of luck to her. With hard work and proper marketing you can make it.


The last week is the most important. The Q and As are the most important because that is where you will see yourself be challenged. 83 is about where I was, but I also passed because I was busting my butt the week before the test. I know people who got confident and relaxed the last week and ended up failing. Finish strong, that's what I would focus on, not what your score is. Also, take the day off before the test and maybe watch a video or two. The practice tests are a better indicator of your score because they are closer to the actual test, but they aren't as challenging.


Yes, there is a profession that does exactly what you're looking for.  It's called a fee-only financial advisor. These are professionals who (in the United States) enter into a fiduciary relationship with a client, meaning they are legally required to put your financial interests above all other considerations (such as any behind-the-scenes incentives to promote certain products).  Between that requirement and the fact that they are paid for their time (and not on commission), they have zero incentive to try to sell you anything that you do not need.  Their only job is to help you with your financial situation.  (Of course, some of them may be better than others.) See the profession's website here to find such an advisor near you. (Credit to Marketplace Money, the old name for Marketplace Weekend, for mentioning fee-only advisors at least 87 times per show.)


Gosh don't do either!  Unless you are fully funding you ROTH accounts and even then I wouldn't do it.  Those interest rates are free money.   You are giving away the best bargain in the history of home mortgages. Don't you think you can make more than 4% on your money invested?   Don't you think in 5 years you will be able to make 4% on bond/cd's/ and other low risk investments? Don't forget money you pay in the 2020's on beyond to your mortgage are inflationary dollars.  Do you think that money will be more valuable in the 20's and beyond? I don't.  Roths are free money too.  Think if you put 11k in there a year how much would you have at the end of it tax free.  There is a reason you can only put $5,500 in them, they are too good a deal tax wise to let people put too much in there. Think about this my parents bought their home in 1967 their mortgage was $170 a month.  Inflation hits and the interest they are paying at 8%! mind you, it was still a laughable amount of money each month for mortgage payment from 1977 and on. Also I bought a $450,000 house 38 months ago.  Instead of putting down 180 I put down 80 I let the other 100k in my investment account and moved 5.5k over to Roth every year. I now have a roth worth $38k and an investment account worth $105k.  I made 40k on my money those three years and the 38k is tax free! If you don't believe me call the help line at clarkhoward.com  Get over the emotional need to be debt free and make a logical finical choice.  I am begging you to think about this.  This post could save you tens of thousands of dollars. Let me put it one more way.  100k in debt with 100k in investments is debt free living.  Especially when you debt is under 4% and a tax write off.


People buy stocks with the intention of making money.  They either expect the price to continue to rise or that they will get dividends and the price will not drop (enough) to wipe out their dividend earnings.


There is a LOT of shuffling going on in the financial services industry. I would not immediately say your advisor is acting in bad faith. The DOL fiduciary changes are quite significant for some brokers. Investment Advisors who are fee-based have less of an impact since they are already fiduciaries. That being said, your issue is still the same. How can you get a low-cost solution to your problem? You might want to consider Vanguard, Fidelity, or another mutual fund company that can keep your costs low. However, you should understand that if you are using mutual funds, the fees are paid one way or another. 12b1 fees, commissions, and expenses are all deducted from the fund's gross returns.  You have to choose between low cost and paid advice. you cannot get high-quality low-cost advice. Fortunately, there are a lot of new solutions out there, robo-advisors, indexing, asset allocation mutual funds, ETFs, and more. Do a bit of homework and you should be able to come up with a reasonable solution. I hope you found this helpful. Kirk


Simple, there is no magic price adjustment after sales - why do you expect the stock price to change? The listed price of a stock is what someone was willing to pay for it in the last deal that was concluded. If any amount of stock changes ownership, this might have the effect that other people are willing to buy it for a higher price - or not. It is solely in the next buyer's decision what he is willing to pay. Example: if you think Apple stocks are worth 500$ a piece, and I buy a million of them, you might still think they are worth 500$. Or you might see this as a reason that they are worth 505$ now.


When we got our mortgage in the state of Washington, in the United States, we had to get title insurance before our lender would loan the money. This ensures that the person selling us the house actually owns the title, clean and clear. If there are any surprises, the insurance covers us (or the lender, really).


"This is one correct answer.  Googling ""cable card host"" and poking around is another.  Neither Motorola, Cisco, nor Pace will sell directly to consumers.  The problem here is the perceived lack of a ""real"" market. Each CableCard host to be deployed needs to be certified via [CableLabs](http://www.cablelabs.com/), and no feed provider will allow non-certified hosts, which makes sense.  You'd think there would be a line running around the block for certification, but there's not.  You'd think someone would put together a CableCard 2.0 (implying two-way communication, vod, etc) box with youtube, netflix, hulu, etc support, but there's not."


I traded penny stocks for a bit then switched over after I found out the bitcoin I bought was worth $1400 each years ago when it first inflated. Now I trade BTC, LTC and NMC. Only trading coins I believe in and will be around long term.


I recommend that people think for themselves and get a multitude of counselors.  The more you understand about what drives the prices of various assets, the better. Getting to good advice for a particular person depends on the financial picture for that person.  For example, if they have a lot of consumer debt, then they probably would be better off paying off the debt before investing, as earning 5% (say) in the stock market year over year will be eaten up by the 18%+ they may be paying on their credit cards. Here's a starter list of the types of information that would be better to have in order to get fair investment advice.


The only mission and vision we have at F&H Heating & Plumbing is to make the experience of our each of the client as smooth and pleasant as possible. We value our customers and are committed to deliver them the best. This is the reason that we carry a high repute in Pennsylvania and its surrounding areas. We pride ourselves on the elite image we have been carrying for years and strive hard to maintain it.


It really wouldn't have been hard to do.    Microsoft was approaching mobile developers throwing money at them to develop on their platform.  Imagine a world where instead they chose to compete.   Come in at a 15% rake instead of a 30% rake android and iOS were on.    Instead they too got in with a 30% rake on revenues.     The store was a joke too.   There was two we had to code for.  Two different windows stores with two different apis.   It wasn't worth it at all.


"Dunno if you saw the recent NYT article [Trump and the True Meaning of Idiot](https://www.nytimes.com/2017/06/12/opinion/trump-and-the-true-meaning-of-idiot.html). It's amazingly not about boring insults but rather a interesting look at the etymology of the word ""idiot"", which echoes some of the themes you just mentioned.  It's a topic similar to one I've explored myself in my own writings as [Tax Policy and the Dewey Decimal System](http://netsettlement.blogspot.com/2009/02/tax-policy-and-dewey-decimal-system.html).  I think integrating personal goals into societal goals is something we don't all see the same, and push comes to shove on that ""rugged individualist"" thing."


In addition to the other comments there are things like training costs. Lower paid employees tend to turn over more quickly so instead of training one employee for 4 weeks and staying for 3 years you spend 12 weeks over that same time period as the minimum wage employees each only stay for a year. Also, you aren't necessarily scheduling all three people at the same time, it might be 3 part time workers at $12 an hour covering one role vs. one full time $20 employee working 40 hours a week.


Krijg kunstmatig gedroogd brandhout voor uw kachel en open haarden bij De Haardhout Handelaar. Wij zijn toonaangevende online leverancier van oven gedroogd Oak, Birch, Mix Birch, Ash firewoods pallet tegen een betaalbare prijsklasse. Onze brandhout wordt warmte-behandeld om het vochtgehalte te verminderen, waardoor stoken directe en minder rook. Wij accepteren alle soorten opdrachten en leveren door heel Nederland, zonder extra verzendkosten. Bestel het vóór 17u, en je hebt je brandhout al de volgende dag in huis.


No, it's just a reasonable look at how Monsanto and it's cult of excuse makers present their case by flooding discussions on Internet threads. I've watched it happen since the early Slashdot days. They've had social media response teams longer than we've used the phrase social media.


Saying the government bailed out the entire financial system is just completely foolish and ignorant. The list of institutions (with the amount) that got bailed out is public. I will let you do the research because along the way you might gain some well needed knowledge on that matter. I'll two example of financial institution that didn't get bailed out, Berkshire Hathaway and Lehman Brothers.   Writing a letter is not my style. To show my gratitude I rather try educate people like you who do not understand the bailout program and why it was such an important decision.   PS: I'm still waiting on your answer for my two questions I asked in my previous post.   ''Intelligence is real but for some, it's just a fantasy'' =Winston Churchill


Yes. Borrowing more against your home means you will pay more interest for your home. Specifically:  Does this increase the amount of interest on my home loan by $144.56 per month to start with? Yes, that is exactly what it means. As to whether or not that is a good use of the money, I can't say. You're making various assumptions here... They could be accurate or, if this is your first rental home, they could be wildly optimistic (100% occupancy rate? that won't last). Additionally, houses are physical goods which depreciate. Put another way, they fall apart, and you (as the owner) are responsible for fixing it. You have the basic idea right, I just think you should plan for a worst-case scenario, and it looks like you're planning for the best.


Supply and demand... It creates an equilibrium.   Right now there is a food surplus so prices and production should go down.   If there is a food shortage... Prices should be allowed to go up which will create money-making opportunities and food production will increase.  The Communist types of US agriculture policies don't fix pricing, supply or demand issues.   Being able to produce agriculture products below cost creates a surplus that winds up getting dumped on other countries.   Government subsidy corn from the US has decimated the agriculture industries in countries that don't subsidize agriculture like Mexico.   Our communist types of agriculture policies hurt WAY more farmers than they help.


"Travis created a business that does not generate enough value for customers for them to actually pay in excess of the cost for providing that service. In other words, it has god-awful unit economics. With customers only paying 40% of the cost of an average fare, Uber would have to raise prices by 2.5x just to *break even*. When prices are up by just a couple of bucks, everyone already checks Lyft first. If it doubles or triples, they'll be taking the bus again.   > He essentially invented the ""sharing economy""   Uber wasn't even his idea, it was one of the co-founders that brought it to Travis. Travis thought it was a stupid idea at first, but eventually came around on it. Spoiler: he was right the first time.    > and has the most valuable startup ever  The most overvalued startup ever*. FTFY.   > how is that a ""shitty CEO"" lol.  It's sort of the definition of one."


"In most jurisdictions, both the goods (raw materials) and the service (class) are being ""sold"" to the customer, who is the end user and thus the sale is subject to sales tax. So, when your friend charges for the class, that $100 is subject to all applicable sales taxes for the jurisdiction and all parent jurisdictions (usually city, county and state). The teacher should not have to pay sales tax when they buy the flowers from the wholesaler; most jurisdictions charge sales tax on end-user purchases only. However, they are required to have some proof of sales tax exemption for the purchase, which normally comes part and parcel with the DBA or other business entity registration paperwork in most cities/states.  Wholesalers deal with non-end-user sales (exempt from sales tax) all the time, but your average Michael's or Hobby Lobby may not be able to deal with this and may have to charge your friend the sales tax at POS. Depending on the jurisdiction, if this happens, your friend may be able to reduce the amount the customer is paying that is subject to sales tax by the pre-tax value of the materials the customer has paid for, which your friend already paid the tax on."


"I'm going to answer your questions out of order. Emergency fund: Depending on how conservative you are and how much insurance you have, you may want anywhere from 3-12 months of your expenses on hand. I like to keep 6 months worth liquid in a ""high-yield"" savings account. For your current expenses that would be $24k, but when this transaction completes, you will have a mortgage payment (which usually includes home-owners insurance and property taxes in addition to your other expenses) so a conservative guess might be an additional $3k/month, or a total of $42k for six months of expenses. So $40-$100k for an emergency fund depending on how conservative you are personally. Down payment: You should pay no less than 20% down ($150k) on a loan that size, particularly since you can afford it. My own philosophy is to pay as much as I can and pay the loan off as soon as possible, but there are valid reasons not to do that. If you can get a higher rate of return from that money invested elsewhere you may wish to keep a mortgage longer and invest the other money elsewhere. Mortgage term: A 15-year loan will generally get you the best interest rate available. If you paid $400k down, financing $350k at a 3.5% rate, your payment would be about $2500 on a 15-year loan. That doesn't include property taxes and home-owners insurance, but without knowing precisely where you live, I have no idea whether those would keep you inside the $3000 of additional monthly home expenses I mentioned above when discussing the emergency fund. That's how I would divide it up. I'd also pay more than the $2500 toward the mortgage if I could afford to, though I've always made that decision on a monthly basis when drawing up the budget for the next month."


"There's an aspect to real estate that's under-discussed. When you take all factors into account, it just about keeps up with inflation over the long term.  Three factors: Now - when you normalize all of this, calculating the ""hours worked"" needed to pay for the median home, you find a nearly flat line at just over 40 or so hours of pay per month."


No citation, but I once read the average holding period of a 30 yr treasury is 8 hours. A rise in the rate by just .1% will drop the value by just under 2% wiping out nearly a full year's gains. With 29 years to go the value of the 3% bond will be worth $981 if the rate were then 3.1% It's at 3.16% the bond would drop to exactly $970 after the year, i.e. you've gotten no return at all.  I view this as pretty high risk.


"You're an expert?  No, I'M an expert!    You display a reasonable understanding, don't get me wrong, but your desire to label this particular behavior as ""within"" the monkeysphere paradigm belies that claim of expertise. It's related to, but not described by or explained by the monkeysphere without gross oversimplification.   That or you're living up to good old' ""man with hammer see every problem as nail."""


The withholding tax is considerred income tax that is submitted early. Note that the above withholding tax amounts are only estimates, which you will show on your tax return as taxes already remitted. Taxtips website


I can't say I know everything about the underlying details, but from what I understand, your limit buy adds to the bid side of open orders, and one possibility is that someone placed a market order to sell when the bid price for the stock fell to $10 which was matched to your open limit order. So using your terminology, I would say the spot bid price is what fell to $10, even if for a brief moment. Whether or not it is possible for your order to be filled when the limit buy price is deeper than the current bid price is beyond me. It may have something to do with lot sizes.


I can bring the business side of things to the table. I have a mastrey in accounting and finance. Also, I know of some key players in the market that I am trying to target, so I can bring contacts to the table.   To answer your question about coding, this is a early stage startup and I would need someone who can code for automated drones and other softwares.


"Apologize - replied without actually looking at the financials. After reviewing -- Starbuck's financial statements use the line item ""Cost of sales including occupancy costs."" This is very different than ""hiding"" rent in COGS, as they plainly describe what it represents. Anyone who wants to derive true cost of goods sold without occupancy costs can look in the footnotes of the financials to find the lease expense for the year and subtract it. This line item is used by multiple public companies (Whole Foods is one that comes to mind), and regardless of their true motives, they have convinced the SEC that they think it gives the consumer the most accurate view of their business operations. As with all financial statements, the footnotes play a crucial role in understanding how a business works. If you want to find opportunities for future value or an Achilles heel, look in the notes."


Know more about Mr. Raphael Lilla by connecting with him on one of the biggest platforms with world’s most renowned decision-makers and industry experts. The platform offers a detailed profile of Mr. Raphael Lilla, his professional experiences, commitments, industry expertise and other professional affiliations.


It is one of the most fascinating and rewarding experiences when flying your best RC helicopter. Over time, the helicopter begins to slow down. Here, you will notice that the battery life is on for a few minutes. Other than that, you may encounter an irritating pen that keeps the gas level low.


You can put them in a 5 years CD and getting a maximum of %2.5 APY if you're lucky. If you put 15k now, in 5 years you'll have $1.971. If it sounds good then take a look at the current inflation rate (i'm in usa)... If you want to think about retirement then you should open a Roth IRA. But you won't be able to touch the money without penalties (10% of earnings) before you get 59 1/2 years old. Another option would be to open a regular investment account with an online discounted broker. Which one? Well, this should be a totally separate question... If you decide to invest (Roth IRA or regular account) and you're young and inexperienced then go for a balanced mutual fund. Still do a lot of research to determine your portfolio allocation or which fund is best suited for you. Betterment (i never used it) is a no brainer investment broker.  Please don't leave them in a generic checking or low interest savings account because you'll save nothing (see inflation again)...


He posted it to an internal social network, shared it with a few colleagues, and someone shared it more colleagues, then someone sent it to the press.  Unfortunately, anyone could access it.  Hasn't anyone learned anything from JFK? Don't write shit down, especially not in the digital era, unless it's a CYA. Paper trails are how you end up looking for a new job.


**Here's a sneak peek of /r/toosoon using the [top posts](https://np.reddit.com/r/toosoon/top/?sort=top&t=year) of the year!**  \#1: [Good girl Carrie Fisher](https://i.reddituploads.com/10bbfd48069545449f1ca7f99cc79d63?fit=max&h=1536&w=1536&s=24167c81c3aa4f5524037fe23e91be5a) | [785 comments](https://np.reddit.com/r/toosoon/comments/5m0g1q/good_girl_carrie_fisher/)   \#2: [How do you do, fellow Ariana Grande fans?](https://i.redd.it/u6hvlbyddqzy.jpg) | [491 comments](https://np.reddit.com/r/toosoon/comments/6ddauf/how_do_you_do_fellow_ariana_grande_fans/)   \#3: [Trumpcare wins!](http://i.imgur.com/EYmeL2u.jpg) | [336 comments](https://np.reddit.com/r/toosoon/comments/69c4zw/trumpcare_wins/)  ---- ^^I'm ^^a ^^bot, ^^beep ^^boop ^^| ^^Downvote ^^to ^^remove ^^| [^^Contact ^^me](https://www.reddit.com/message/compose/?to=sneakpeekbot) ^^| [^^Info](https://np.reddit.com/r/sneakpeekbot/) ^^| [^^Opt-out](https://np.reddit.com/r/sneakpeekbot/comments/6l7i0m/blacklist/)


And his point is completely wrong. My point is that there's a hell of a lot more to taking a photo than just possessing a fancy camera. Amateurs cannot compete with profesionals just because they can afford the same camera.  A professional can take a better shot with a cellphone than an amateur can with a $3000 SLR.


Mobile Voip Hello dear, i have good quality Mobile  dialer. Just install dialer software and give login and password then make call.,We have Nine Canadian & UK dialer with highest voice. you can use all dialer in same account. if you like good quality service, please contact with us. Looking for Reseller. India mobile——–2200 mins Bangladesh Mobile–700/750/1200/1350 mins Pakistan Mobile—- 1500 mins Price=29$/107AED/ 11.1348 Omr/ 109 SAR/1380 Rupee/2100 taka If you don’t like that packages then We will create card as your demand. Or we will give to you reseller panel then you can create card as you like.   Thanks and Regards Masum salestalkdialer@gmail.com mobiledialer788@yahoo.com Mobile: 08801711062213


"Fitting a description? Stop it. That's a gut feeling you have no evidence of.  Let's talk numbers.   She took home $76 a day from Popeyes without taxes. She currently only has one job, so let's operate on that.  She takes home $313 after taxes a week coming to $1278 per month.  She has two sons. Let's say she has a two bedroom apartment. The medium price for that in Missouri is $883. The article mentioned her son's were two bus rides away. She can't drive because she can't afford insurance. A monthly bus pass for one person in Kansas City is $50. After Taxes, Rent, and transportation she has $345. According to USDA, her two sons would need $348 for a month ""thrifty"" (lowest income) level food budget because they're 14 and 15. She's already broke after Food, Rent, and Transportation.   We haven't discussed utility or phone bills. Her children's transportation,Internet service, Clothing,Heat, or School supplies.   Are their larger issues at play that allow this to happen? Absolutely. However,  the minimum wage used to keep a family of three out of poverty. She's the head of a family of three and she's homeless. Her spending habits could've been better when she had two jobs. However, we don't know those, Her debt,  the percentage of her money that goes to health care or any ailments her children might have, but we do know she suffers from high blood pressure. Which the average black patient spends $887 a year on hypertension medication.   You're also completely disregarding that poor people can't do things in Bulk. It's more sensible to buy something that cost 0.15 per unit as opposed to 0.25 per unit. However, if you can't afford the bulk item, you're stuck buying the one with less value.   Her house was condemned. She had to move. Signing a lease usually requires The First Month, Last month, and security deposit. If we're operating on the median rent, we're asking her to come up with close to 2700 dollars in a day.   Do I think we should have a nation $15.00 Minimum wage? no. Do I think minimum wage should be based on average cost of living and median housing in states/large cities? Yes.  Sources:   https://www.cnpp.usda.gov/sites/default/files/usda_food_plans_cost_of_food/CostofFoodJul2014.pdf  https://www.cbsnews.com/news/most-americans-cant-handle-a-500-surprise-bill/  http://piperreport.com/blog/2013/05/13/health-care-spending-hypertension-cost-high-blood-pressure/  http://store.kcata.org/31daypass.php  /u/philosoraptor1000 it's not just personal responsibility. The cost of living has skyrocketed. The minimum wage hasn't. Your sarcasm is trash too.   /u/thewaywardsaint This sub has become a joke because users like you spew trash, condescending, opinions instead of voicing your opinion using facts, concepts and numbers."


There is no difference in taxation in India if you transfer every month or bulk. If you use specialized remittance services from leading Indian Banks, there would be little difference in fees. Assuming you are keeping the funds in NRE account in India and hold it in GBP, you get a slight better rate of interest that what you would get in UK. The interest would not be taxable in India, however it would be in UK. If you convert the funds at hold it in NRE, Rupee account, you would get still better rate of interest. However you are taking the Fx risk when you try and convert this back to GBP incase you decide to stay on.  There are no right or wrong answers Edit: There is no limit on the amount of funds earned as NRE that can be got into India tax free. There is a time limit of 7 Years to get the funds back to India tax free. From a tax point of view if you transfer into NRE account its easy. If you transfer into Normal Savings account you would need some paperwork.


Do you need help boosting the rankings of your website? If yes, then only Position1SEO can expertly help you out! This agency is known for their commitment to providing exceptional SEO services suit to their clients’ requirements. Aside from this, the Position1SEO team also offers free SEO audit and conversion advice. For more details, go to position1seo.co.uk.


There are a few potential downsides but they are minor: If you forget to make the payment the interest hit the following month could be significant. With many cards the new charges will be charged interest from the start if the previous payment was late/missed. Just make sure you don't forget to pay the entire bill. If the $5K in monthly bills is a large portion of the credit limit for that credit card you could run into a problem with the grace period. During the three weeks between when the monthly bill closes and the payment is due, new charges will keep rolling in. Plan on needing a credit limit for the card of 2x the monthly bills. Of course you don't have to wait for the due date. Just go online and pay the bill early. If the monthly bills are a significant portion of the total credit limit for all credit cards, it can decrease your credit score because of the high utilization rate.  The good news is that over time the credit card company will increase your credit limit thus reducing the downsides of the last two items. Also keep in mind you generally can't pay a credit card bill or loan with a credit card, but many of the other bills each month can be handled this way.


A VAT means that the cost of goods in your country just went up by that VAT percentage. This would mostly effect how the poor and middle class spend their money which currently is very selective.  Additional economy slow downs can generate another recession.   That's what I understand, anyway. The numbers in this numbers game are very very important and is difficult to generate in theoretics.


"I agree: he evidently has critical thinking skills, but his on-screen persona takes over everything he does. With DJT in the White House, though, the whole ""bully-alpha-dude"" disguise has lost a TON of credibility as a sign of business acumen for the masses, so if I was him I'd try to be less of a c**t when the cameras are rolling, frankly."


There is nothing to worry about. There is absolutely nothing unusual about moving money between your own accounts, even if they are in separate financial institutions. I moved $200,000 when I was getting ready to by my house; I have moved similar sized chunks for other purposes. A large transfer may get some attention to make sure you aren't doing anything illegal with the money and aren't being scammed... but if the transaction is legitimate, that attention is harmless.


I can assure you a lot of middle and junior managers have the CEO qualities in them. They don't get offered that job because the board is too busy offering that job to their friends and acquaintances.   Middle Managers, Startup Entrepreneurs, Fantastic Engineers don't stand a chance. Friends of Friends are preferred over talent.    There's enough supply of CEO Material.


I had a client that BoA forced escrows, and then forgot to pay their insurance company, and during the period the client's policy lapsed. While the policy was lapsed, a tree fell on the roof during a storm creating a huge hole. When they contacted their insurance, they were of course told the policy was cancelled for non payment. When they contacted BoA they admitted to their mistake and apologized, but accepted no responsibility in helping the homeowner with repairs. Instead, they gave them back the 2 months of escrows, and stopped collecting escrows for insurance and taxes all together.  My client spent all the money they were reimbursed, and had saved up fixing their roof, and couldn't make payments that following month. BoA threw their hands up and said oh well, not our problem. They explained why they weren't able or prepared to pay them on time, and eventually ended up falling 3 months behind, when BoA decided to foreclose on them.  Being average consumers that didn't know their rights, they lost their home, but have now filed suit. One could only hope the court awards these people maximum damages. BoA needs to be taken down, and has no business being in existence after all they have done to the consumers.


"To summarize, the money never existed. The best example I can give is the housing bubble. Houses were being bought on credit worthiness and this pushed the house prices and values up as if the houses had been bought with real money. When people couldn't make their payments, the house prices crashed.  The boom and bust cycle is simply credit being overextended (boom) and when there is not enough money in the system for everyone to repay all their debts it crashes (bust).  The real question that people should be asking is not ""Where did all the money go?"", but ""Why is money issued by private banks?""  Money is a social invention to facilitate trade. Should it not be like a public water utility? Counterfeiting is illegal except when a private bank does it. Money should not be variable in value and economics will never be a science if the measurement of value is not standardized. All natural sciences have standards of measurement like meters, joules, degrees, etc. Money must decrease in value constantly because all money is issued at interest. We essentially pay rent on all money that isssued and the interest can only be repaid if more money is created, once again at interest. This is why economists generally say some inflation is good. Finance has told them interest is a given on the issue of money when in reality, money is just an IOU that requires no such interest payment for it's issue.  Interest should be made if a loan is issued against savings, but not for the simple issuance of money. There should be public banks that issue the money and private banks for investment. You can read more about this from reading about Arthur Kitson. In this way, the public controls the value of it's money, not private bankers that use the issue of money to transfer wealth to an idle financial class.  If you want to get into the differences between wealth and debt, read the work of Frederick Soddy. It's off topic from this thread but really interesting to see how he relates real science to economics and how our current economic system is not scientific in the least. Wealth is subject to the laws of thermodynamics while debt is an invention of the human will. Debt never rots or degrades with time and can expand exponentially through compound interest - nothing in the natural world does this."


I mean, sure. But that has nothing to do with gdp-ppp, mostly because I'm pretty sure you can't pay for spying with yuan.  GDP-PPP is the metric people point when  they *really* want the US to no longer geopolitically matter.  In reality, China has got a long way to go before they get to the point of truly challenging the US.


if you buy from amazon, they have to ship it to your home.  if you buy from wal-mart, they have to ship it to a location very near your home; probably not a significant difference there, in terms of shipping.  in fact, wal-mart might have less, since they ship very near your home in bulk, whereas amazon uses fedex or UPS


There is an opportunity cost of your future insurance needs, Here, the savings vs risks ratio is difficult to figure out. Hence it is always worth that extra cost to buy the larger and longer policy if you can afford it. Basically if you can afford it today, it will cost peanuts after 20 years.


If you’re concerned about transferring  USD, I can’t really help you there. But if you’re looking to transfer wealth, I believe that’s where something like Bitcoin could help you. In fact a small or nonexistent processing fee is one of Bitcoin’s biggest strengths as a currency. Off the top of my head, I believe BitPay has services that would suit your needs. And if you’re worried about the volatility of Bitcoin, you can always convert it straight to USD just so you can avoid service fees!


In order for you to send me check for $10 you would have to know my banking details. You would have to know the bank number and the account number. Giving you this information does put my funds at risk.  While you would know this for a small circle of friends you wouldn't know this for everybody. My parents have 19 grand kids. They would have to know the banking account information for all 19. While my parents can be trusted with this information their grand children would have to make sure that they had the updated information. Instead they just mail them a check or give them a check on their birthday or other special occasion. Most of the time that money needs to be transferred it is not important that it immediately be converted to cash. The question you referenced is about how the Unbanked function: The unbanked are adults who do not have their own bank accounts.   Along with the underbanked, they may rely on alternative financial   services for their financial needs, where these are available. These people need check cashing places to get money. They don't have a bank account. There is no place for you to electronically send money. Every source of income for them has to start as cash, or be converted to cash. All spending they do is by cash. If they need to pay by check they convert cash to a money order for a fee.


These videos are good from a historical perspective, but some salt needs to be taken with them. They push forward the idea that the economy must always be expanding due to interest charges, but that is essentially not true (if the bankers spend their interest earnings, then no expansion is necessary).


You can say it's a bad proxy but practically all the richest people have their money tied up in equities, and it would be foolish for them not to. You have to include that somehow. Net worth is not just liquid assets


We find that there is a lot of confusion about online Bookkeeping in Sugar Land. Darshi Kasotia makes preparing and filing your Tax Preparation Sugar Land very smooth which helps to run your business efficiently. Visit our website and submit your Tax Preparation Sugar Land  inquiry today!  visit our website: https://www.houstontxcpa.com/


I was in a very similar place 10 years ago. I was in my mid 20's with 45K in combined school + personal/business related debt and working in IT for not very much. I already had 10-15K in debt when my college loans first came due and it was the first time I really had to come to terms with the hole I had dug myself and I spent weeks at a time obsessing over plans that would help me get out of debt. It effected my health and my relationships. I felt like I was never going to come out from under it. My family was very much lower middle class (<30K household income) and I wasn't going to get or expect any help there so I went to work and made it a point to make sure every personal and professional decision I made was conducive to my long term goals and before I knew it they became short term goals.   Find out what your basic monthly need is, be brutally honest, cut back on things like cable tv ( I still don't have it ), reduce your phone plans, borrow things when you don't have to buy them and send that money to your debt. Pick up some hobbies that don't cost much. These are all minor sacrifices. I got back in to playing the piano and spent a lot of time at the beach in the summer and caching up on books I'd always meant to read in the winter.   I ran a lot of numbers in a spreadsheet but you can play with the numbers with online loan calculators to put some real numbers behind your goals. Here is one that I just tried out http://loan.bizcalcs.com/Calculator.asp?Calc=Loan-Early-Payoff  You'll probably be surprised how much effect a little bit of extra towards a loan can make in the long term.  Put your current college loan details in to it and then see what the effect of an extra 150 a month is. I know you've implied that you really don't have anything extra each month and that is fine. Figure out an amount that gets you moving towards your goals and then start working on a way to make it. Figuring out how to make or squeeze an extra n dollars out of your budget every 30 days is much less daunting than thinking about paying off 50K. You said you are working in IT, I don't know where you live but in my city there are lots of decent IT related jobs. Your first goal might need to be to find a better one.    If possible move around balances until you've got interest rates you can deal with and now that you have solid numbers to plan with consider the effect of making smaller goals. Would you feel as bad if you had half as much debt? How about if you got rid of 10K of debt? Or just your credit cards?  I know I felt a huge relief when I cut my overall debt in half. It felt like a huge part of my burden had lifted, and it had. I could start seeing the end of the tunnel.    I think that one of the biggest changes in my life since then has been the way I look at and think about money and debt.  I didn't really have to sacrifice much. I learned to travel cheaply and whenever I met   a goal I'd reward myself with a small trip. Today I have a very low mortgage payment and I pay my full credit balances each month so I have no revolving bad debt.   I wish you luck and I know exactly where you are standing right now.


"Is there a solution here that would allow me to provide him with a   debit card in his name that I could fund, that wouldn't have foreign   transaction fees associated with it (I'd probably be okay with a small   fixed ATM fee).  There are separate issues here.  There is no law limiting bank accounts to U.S. citizens, but most banks will not open an account for a non-citizen outside their declared service area.  There are substantial legal liabilities to the bank in allowing it, whether a citizen or non-citizen.   The difficulty will be compliance with the Patriot Act.  This is an extension of the older ""Know Your Customer"" doctrine.  It is improbable that the bank could comply with the Act without the potential customer being physically present.  You would have to check with your bank in advance as to their policies.  Banks are not required to accept a customer outside their policies. As to waiving the foreign transaction fee, that is very improbable.  Although a handful of institutions do this in specific cases it is uncommon because the bank isn't actually charging the fee, they are passing it along.  With a credit card they collect interest and waiving the fee can be thought of as a reduction in interest income, that isn't possible on a debit card. You would want to make sure you have a scrupulously honest nephew.  You could be held criminally liable for any actions he takes at both the state and the federal level.  U.S. law is global.  A citizen who commits a crime in any country of the world can be charged for it in the United States.  By being on the account you can acquire any liabilities that are created as an accomplice.  This is a bigger issue at the federal level because 4,000 federal laws do not require criminal intent.  Some do not require you to even know the action happened.  Unlike state law which generally requires you intended to commit a crime and had to be aware of it, federal law often does not.  It is also not adequate that the action is legal in Russia if it would be illegal in the United States. If I get a card in my name, and give it to him to use to withdraw money from ATMs, is that legal? What problems might that cause? It is legal, but you are now strictly liable for its use.  See the above answer.  It would probably get shut down anyway when they phone you and asked: ""are you in Russia right now?""  The bank is still liable for you giving away the card.  The bank may close out all your accounts and submit a currency transaction report on you to the Treasury for possible money laundering. Wire the money.  Plan out how much and when, but just wire it."


as someone who was an sap specialist for 2 years, i dont know why on earth you would want to spend your time on learning this software ad working with it. thats like the complete opposite direction to being successful at business


For $100 you better just hold it in Mexico.  The cost of opening an account could eat 10% or more of your capital easily, and that won't be able to buy enough shares of an ETF or similar investment to make it worthwhile.


"I honestly think lowering the corporate tax rate and allowing money to be brought back into the US are both good for the ""average american"". I also think his main point is regarding the post 08 rules regarding mortgages and business loans being unnecessarily burdensome and restrictive, which has limited the amount of capital he's able to give those same people. Mind you, this is coming from the guy who didn't take advantage of the ""too loose"" regulations as well, so I can understand where he's coming from."


The central bank is an institution of the most deadly hostility existing against the Principles and form of our Constitution. I am an Enemy to all banks discounting bills or notes for anything but Coin. If the American People allow private banks to control the issuance of their currency, first by inflation and then by deflation, the banks and corporations that will grow up around them will deprive the People of all their Property until their Children will wake up homeless on the continent their Fathers conquered. -Thomas Jefferson


Jimmy Group tuyển : Nhân Viên Kinh Doanh  Mô tả công việc : - Chào bán các gói dịch vụ: tài trợ trang Vàng Vật Chất, cung cấp chiến lược Vàng Tài Khoản, tư vấn Vàng Vật Chất, tư vấn Chứng Khoán và gỡ rối trong giao dịch Ký Qũy - Đại diện Jimmy Group khi thương thảo các điều khoản cung cấp dịch vụ - Thông tin sản phẩm được đăng tại https://vangvatchat.wordpress.com/jimmy  Tải hợp đồng cung cấp dịch vụ của Jimmy Group tại đây  Chính sách : - Doanh số: 100 triệu tiền phí dịch vụ - Hoa hồng: 10% phí dịch vụ - Thưởng: 15% phí dịch vụ khi > 100 triệu tiền phí dịch vụ - Lương tháng thứ 1 là: 1 triệu/tháng (doanh số tối thiểu 5 triệu) - Lương tháng thứ 2 là: 1,5 triệu/tháng (doanh số tối thiểu 10 triệu) - Lương tháng thứ 3 là: 2 triệu/tháng (doanh số tối thiểu 15 triệu) - Lương tháng thứ 4 là: 2,5 triệu/tháng (doanh số tối thiểu 20 triệu) - Lương tháng thứ 5 là: 3 triệu/tháng (doanh số tối thiểu 30 triệu) - Lương tháng thứ 6 là: 3,5 triệu/tháng (doanh số tối thiểu 50 triệu)  Yêu cầu : - Tốt nghiệp Phổ thông - Khả năng Bán Hàng tốt - Ưu tiên: có laptop và am hiểu thị trường đầu tư Vàng Tài Khoản