You lose your agent services. When my wife wrecked our car 3 years ago our agent took care of everything.  He got us a rental car, made the arrangements to get it fixed, checked in to see how we were doing, and even helped us set up a second opinion on my wifes wrist surgery.  The accident was ruled the fault of the uninsured driver who decided to take off through the red light.  But our insurance was the one that covered it all total expenses over 80k.  We would have had to eat most of those with out full coverage.   Most everything was set up (our rental car, estimates on repair, even her inital consutation with the surgeon) before the investigator had filed her report. Our agents first question was is everyone ok. His second was what can i do to help? He never asked us what happened and was always ahead of our needs in dealing with it.   If these things are not important to you, you can probably save quite a bit of money self insuring.  But if you are in an accident and unable to do them yourself, do you have someone to do it for you?  Do you trust them to handle your business and are you willing to saddle them with the responsibility of dealing with it?  To me insurance is less about me and more about my family.  It was nice that my agent did all of that for me.  I would have been willing to do it myself though.  But I am glad to know he is there for my wife if something happens to me.


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Good food isn't *that* difficult of a target to hit.  Around here, you're going to spend a good $15 (including tax and tip) for what is essentially a microwaved cheeseburger.  Not much different from the $3 microwave cheeseburger in the freezer at the supermarket.  Why pay an extra $12?


In my experiences most hedge funds won't have a benchmark in their mandate and are evaluated based upon absolute returns.  Their benchmarks are generally cash + x basis points.  So, no attribution and no IR.  No experience at all with CTA's though, so not sure how things are there.


"Hm, I took it as ""Ingratiate yourself, build up a history, then when no one's suspecting STRIKE with your marketing/advertising posts.""   It's actually not bad advice and I'm sure many here do it. I'm not a fan of it being done for profit, it's just going to lead lower quality comments and posts.  I think they could have replaced the infographic with ""Understand How Memes Work"" and achieved the same result."


A combination of the following: Shareholders pushing for larger and larger returns. Combining with Nixon opening China and the rise of foreign manufacturing. On top of this, the decline of unions and support of unions in the US. Over time, American consumers have been conditioned to buy the cheapest item. They'll sell out a competing item for pennies.   Now we live in a globalized world, so to bring back American labor, we probably have to make it competitive with cheap foreign when all costs are calculated (logistics, training, wages, etc). In China, many of the big factories are run like clockwork, with the workers living in dorms and away from their families.   If we try and legislate a solution with tax cuts for onshoring jobs and penalties to offshore, we'll probably see repercussions from China.


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From everything I have read I still cannot be convinced of Whole Life Insurance Good!  You have a brain! but it seems to be the first thing any financial advisor is trained to sell. The commissions on whole life are sick.  The selling agent gets upward of 90% of your first year's premium.  I imagine that the regional and district managers split the remaining 10%, but that is speculation.  This is why there is typically a 15 year surrender charge on whole life.  The LI company is not getting any of the money! You may want to reevaluate any financial adviser that promotes whole life.  If it was me, I would fire them the moment the words came out of their mouth.


I am a US citizen and I want to transfer some amount 10 lakhs+ to my brother from my NRE account in India to his account. My brother is going to purchase something for his business. He is going to return my amount after 3-4 Months From the description it looks like you would like to loan to your brother on repatriation basis. Yes this is allowed. See the RBI Guide here and here for more details. There are some conditions; (iv) Scheme for raising loans from NRIs on repatriation basis   Borrowings not exceeding US$ 2,50,000 or its equivalent in foreign exchange by an individual resident in India from his close relatives resident outside India, subject to the conditions that - a) the loan is free of interest;   b) the minimum maturity period of   the loan is seven years;   c) The amount of loan is received by inward   remittance in free foreign exchange through normal banking channels or   by debit to the NRE/FCNR account of the non-resident lender;    d) The   loan is utilised for the borrower's personal purposes or for carrying   on his normal business activity but not for carrying on   agricultural/plantation activities, purchase of immovable property or   shares/debentures/bonds issued by companies in India or for   re-lending. Although it is mentioned as Seven years, this is revised to one year. Since he cannot deposit into my NRE account I guess he has to deposit it into my NRO account. A repatriate-able loan as above can be deposited into NRE Account. Is there any illegality here doing such transaction? No. Please ensure proper paper work to show this as loan and document the money trail. Also once I get my money in NRO account do I need to pay taxes in India on the money he deposited? This question does not arise.


I believe it is so.  It doesn't sound like they did anything outright illegal, just a pushy upsell.  You can complain to the bank manager.  If you want you can mention the employee by name (if you know who they are).  Ultimately, you can change banks.  From what you say it sounds like you are dissatisfied with this bank, so I think you should at least begin evaluating other banks and consider switching.  You can also let your current bank know you are planning to take all your money away from them specifically because of their poor customer service. You could consider filing a complaint with the Consumer Financial Protection Bureau alleging that the bank engaged in some kind of deceptive marketing of their financial products.  Of course you can also file a complaint with something like the Better Business Bureau, or even just write a negative Yelp review.  But these actions won't really result in any penalty for the bank as a result of what they did in your specific case; they just express your dissatisfaction in a way that will be recorded and possibly made public (e.g., in a list of complaints) to protect future consumers. If you're really gung-ho and have time and money to burn, you could hire a lawyer and get legal advice about whether it is possible to sue the bank for fraud or misuse of your personal information.  Needless to say, I think this would be overkill for this situation.  I would just cancel the credit card, tell the bank you're dissatisfied, switch banks, and move on.


Yes, Jeff is in for the compensation, and during his years at GE, despite all the good marketing efforts he did about HIMSELF, GE did not do so well, albeit, did not do terrible either.  He's not such a genius.  Read more [here](https://www.bloomberg.com/view/articles/2017-06-12/a-better-way-to-measure-jeff-immelt-s-performance)


You should see all the albums I have in a drawer at home not bringing me any joy whatsoever.  I'm 48 years old and I've been using a digital streaming source for most of my listening pleasure for the last 10 years.


A common rule of thumb is the 28/36 ratio. It's described here. In your case, with a gross (?) salary of £50,000, that means that you should spend no more than 28% of it, or £1,167 per month on housing. You may be able to swing a bit more because you have no debts and a modest amount in your savings. The 36% part comes in as the amount you can spend servicing all your debt, including mortgage. In your case, based on a gross (?) salary of £50,000, that'd be £1,500 per month. Again, that is to cover your housing costs and any additional debt you are servicing. So, you need to figure out how much you could bring in through rent to make up the rest. As at least one other person has commented, the rule of thumb is that your mortgage should be no more than 2.5 - 3 times your income. I personally think you are not a good candidate for a mortgage of the size you are discussing. That said, I no longer live in England. If you could feel fairly secure getting someone to pay you enough in rent to bring down your total mortgage and loan repayment amounts to £1,500 or so a month, you may want to consider it. Remember, though, that it may not always be easy to find renters.


Buy them a physical stock certificate... you can request them from a broker, or buy through a company like http://www.oneshare.com. Other options:


"To the best of my knowledge the UK's online banking systems look purely at the Sort Code and Account Number when routing transfers.  The name is not cross-checked to ensure it matches. This is why it's so easy to misdirect transfers if you make an error entering the numbers and inadvertently enter the details for a valid account belonging to the wrong person. So in your case so long as you're sure you have the correct account number and sort code it doesn't matter what you put in the name field - it'll end up in the account to which those numbers apply.  Of course you might as well put your ""best guess"" into the name field since it doesn't hurt, and in the event that something does go wrong it's backup evidence of your intentions."


A desktop application that has the same features (although as already stated, nothing will be identical but if you are looking for functionality then certainly there will be) and pretty simple to use was Microsoft Money, however, Microsoft stopped supporting it with newer versions and while the existing versions will work, I still use mine, there will be no future updates. I like the interface, its simple to use and has all the features you want. They abandoned it in favor of Intuit's Quicken but personally I am not a fan of the Quicken interface. They still had a more extensive and probably too much for the average user application called Office Accounting, but they abandoned future updates and supports on that in favor of Intuit's Quickbooks. Again, I am not a fan of the interface but they are very feature rich including invoicing and payroll, again overkill for the average user. They still have the Small Business Accounting in the form of Microsoft Dynamics, but that is utterly overkill for personal use. I generally don't trust online or cloud based accounting solutions like Mint or even Quicken online because I don't trust my information security to some third party without knowing how they are securing it and what will happen to me if/when they are leaked due to breach. So I like to keep everything local to myself and that's a good move for you, you should do that. It seems at the moment the market standard without much competition is Quicken for personal use and Quickbooks for small business. I would recommend you start with Quicken and if your needs increase in the future, you can easily transfer into Quickbooks to scale up as they are fully compatible with each other. Check it out here and compare their products to see what works best for your needs.


For a deep in the money, it almost makes no difference because the intrinsic value, the price of the option, is seldom far above the liquidation value, the price of the underlying less the strike price. For an at the money, ceteris paribus, an early exercise would immediately cut the value of the option to 0; however, life is not so simple as JB King has shown. Purely theoretically, for an at or near the money option, an early exercise will be an instantaneous cost because the value after exercise is less than the previously trading or implied option price.


A stipend received for the specific purposes of studies is not taxable. It is not clear from your question as to whether there are any strings attached to the money you receive. If its not for specific purpose, then its taxable as income and tax need to be paid accordingly. Please consult a CA and he can go through the specifics of your case.


Why has no one reported on the declining market share of whole foods? Walmart was able to strategically target their customer and go after them. You'll never hear Walmart say this, but I secretly think they are celebrating this acquisition.


Also, cash doesn't necessarily mean cash in the bank, like you or I would think of. It means cash-convertible (usually bonds) that can be sold or turned into cash within three months period (but usually can be done within a few weeks).  But like you said, they are probably making more money by keeping it in their current investments. Plus, interest rates are at the lowest they will ever be, and GE is practically borrowing money for free.   Quite smart, actually.


How bad would maxing out my credit card once a year affect my score is a related discussion. You shouldn't be using 20%, but rather keep the monthly statement below 20%. If the credit lines add to $5000, charging gas and paying in full each month will help your score (obviously, I assume you don't pay more than $1000/mo for gas). Letting the balance go unpaid month to month means you are paying interest. Probably 18% or more. This is bad.


"Highlights from Bill Browder's Senate Judiciary Testimony:  >Russia has a well-known reputation for corruption; unfortunately, I discovered that it was far worse than many had thought.  >When Putin was first elected in 2000, he found that the oligarchs had misappropriated much of the president’s power as well. They stole power from him while stealing money from my investors.  >**in July 2003 ... Putin arrested Russia’s biggest oligarch and richest man, Mikhail Khodorkovsky.** After Khodorkovsky’s conviction, the other oligarchs went to Putin and asked him what they needed to do to avoid sitting in the same cage as Khodorkovsky. From what followed, **it appeared that Putin’s answer was, “Fifty percent.” He wasn’t saying 50 percent for the Russian government or the presidential administration of Russia, but 50 percent for Vladimir Putin personally. From that moment on, Putin became the biggest oligarch in Russia and the richest man in the world**  &nbsp; >**Over 25 Interior Ministry officials barged into my Moscow office and the office of the American law firm that represented me. The officials seized all the corporate documents connected to the investment holding companies of the funds that I advised. I didn’t know the purpose of these raids so I hired the smartest Russian lawyer I knew, a 35-year-old named Sergei Magnitsky.** I asked Sergei to investigate the purpose of the raids and try to stop whatever illegal plans these officials had.  >Sergei went out and investigated. **He came back with the most astounding conclusion of corporate identity theft: The documents seized by the Interior Ministry were used to fraudulently re-register our Russian investment holding companies to a man named Viktor Markelova known criminal convicted of manslaughter. After more digging, Sergei discovered that the stolen companies were used by the perpetrators to misappropriate $230 million of taxes that our companies had paid to the Russian government in the previous year.**  &nbsp; >As I thought about it, the murder of Sergei Magnitsky was done to cover up the theft of $230 million from the Russian Treasury. I knew that the people who stole that money wouldn’t keep it in Russia. As easily as they stole the money, it could be stolen from them. These people keep their ill-gotten gains in the West, where property rights and rule of law exist. This led to the idea of freezing their assets and banning their visas here in the West.  >**In 2010, I traveled to Washington and told Sergei Magnitsky’s story to Senators Benjamin Cardin and John McCain. They were both shocked and appalled and proposed a new piece of legislation called The Sergei Magnitsky Rule of Law Accountability Act.**  >Despite the White House’s desire to reset relations with Russia at the time, this case shined a bright light on the criminality and impunity of the Putin regime and persuaded Congress that something needed to be done. **In November 2012 the Magnitsky Act passed the House of Representatives by 364 to 43 votes and later the Senate 92 to 4 votes. On December 14, 2012, President Obama signed the Sergei Magnitsky Act into law.**  >**Putin was furious. Looking for ways to retaliate against American interests, he settled on the most sadistic and evil option of all: banning the adoption of Russian orphans by American families.**  &nbsp; >**since 2012 it’s emerged that Vladimir Putin was a beneficiary of the stolen $230 million that Sergei Magnitsky exposed.**  >**I estimate that he has accumulated $200 billion of ill-gotten gains from these types of operations over his 17 years in power.** He keeps his money in the West and all of his money in the West is potentially exposed to asset freezes and confiscation. **Therefore, he has a significant and very personal interest in finding a way to get rid of the Magnitsky sanctions.**  >**The second reason why Putin reacted so badly to the passage of the Magnitsky Act is that it destroys the promise of impunity he’s given to all of his corrupt officials.**  >**There are approximately ten thousand officials in Russia working for Putin who are given instructions to kill, torture, kidnap, extort money from people, and seize their property. Before the Magnitsky Act, Putin could guarantee them impunity and this system of illegal wealth accumulation worked smoothly.** However, after the passage of the Magnitsky Act, Putin’s guarantee disappeared. **The Magnitsky Act created real consequences outside of Russia and this created a real problem for Putin and his system of kleptocracy.**  &nbsp; > One of the most shocking attempts took place in the spring and summer of last year when a group of Russians went on a lobbying campaign in Washington to try to repeal the Magnitsky Act by changing the narrative of what had happened to Sergei.  >**Who was this group of Russians acting on behalf of the Russian state? Two men named Pyotr and Denis Katsyv, a woman named Natalia Veselnitskaya**, and a large group of American lobbyists, all of whom are described below.  &nbsp; >**Her first step was to set up a fake NGO that would ostensibly promote Russian adoptions, although it quickly became clear that the NGO’s sole purpose was to repeal the Magnitsky Act. This NGO was called the Human Rights Accountability Global Initiative Foundation (HRAGI).**  >**Through HRAGI, Rinat Akhmetshin, a former Soviet intelligence officer naturalised as an American citizen, was hired to lead the Magnitsky repeal effort.**  &nbsp; >**Veselnitskaya also instructed U.S. law firm Baker Hostetler and their Washington, D.C.-based partner Marc Cymrot to lobby members of Congress to support an amendment taking Sergei Magnitsky’s name off the Global Magnitsky Act. Mr. Cymrot was in contact with Paul Behrends, a congressional staffer on the House Foreign Affairs Committee at the time, as part of the anti-Magnitsky lobbying campaign.**  >**Veselnitskaya, through Baker Hostetler, hired Glenn Simpson of the firm Fusion GPS to conduct a smear campaign against me and Sergei Magnitsky in advance of congressional hearings on the Global Magnitsky Act.**  &nbsp; >As part of Veselnitskaya’s lobbying, a former Wall Street Journal reporter, Chris Cooper of the Potomac Group, was hired to organize the Washington, D.C.-based premiere of a fake documentary about Sergei Magnitsky and myself. This was one the best examples of Putin’s propaganda.  &nbsp; >**On June 13, 2016, they funded a major event at the Newseum to show their fake documentary, inviting representatives of Congress and the State Department to attend.**  >**While they were conducting these operations in Washington, D.C., at no time did they indicate that they were acting on behalf of Russian government interests, nor did they file disclosures under the Foreign Agent Registration Act.**  **Cherry On Top:**  **From Trump's Interview with The New York Times.**  >""The meal was going toward dessert,"" Trump said. ""I went down just to say hello to Melania, and while I was there I said hello to Putin. Really, pleasantries more than anything else. It was not a long conversation, but it was, you know, could be 15 minutes. Just talked about things. **Actually, it was very interesting, we talked about adoption.""**"


"I recently needed to compute a better balance that let us pick and choose what to include in the computed sum without losing information, so I revisited this topic and I'm pleased to say that I've found a solution that works (at least for our data - you may have transactions that this code doesn't recognize, but you can always modify it to match). My solution was written natively for MS SQL Server 2008 or later, it uses a scalar UDF, a VIEW, and a windowed aggregate (SUM OVER (ORDER BY ...) which means it should be almost-syntax compatible with PostgreSQL. MySQL does not support OVER but you can perform a running-sum using a variable with arithmetic addition directly in the SELECT clause. Create a database table with this schema (feel free to exclude columns you're not interested in, such as Option1Name): Create a UNIQUE index on TxnId - you could use it as a primary-key, I suppose. You might be tempted to create a Foreign-Key relationship between ReferenceTxnId and TxnId, however this will fail if you enforce it: we have many transactions where ReferenceTxnId points to a Transaction that doesn't exist. This is usually in the case of [Type] = 'Web Accept Payment Received' AND [Status] = 'Canceled'. We also have some TransactionId values longer than 17 characters: some TransactionIds start with ""U-"" - all pending money requests, I suspect this indicates the transaction is ""unfinished"". Re-download your entire PayPal History CSV files so that you have the latest retroactive updates. Import these CSV files into this PayPalHistory table. Do a simple test to see how bad PayPal's default data is: To find out where the differences are coming from, run this query: (The ORDER BY (...), RowId is to ensure consistent ordering when multiple transactions share the same timestamp) As you scroll through the results, you'll see how the naive SUM is thrown-off from the official PayPal-computed Balance column. So as you can see, the Net column value cannot always be trusted - what we need is to generate our own ""EffectiveNet"" value which is accurate - that is, the value is 0.00 for rows which do not affect the balance, instead of being what they are right now. The problem is, given a single row of data (such as any single row from the example table in my original Question) we have no way of inherently knowing what its ""EffectiveNet"" is. I have devised two functions to help solve this problem, the first function only looks at the ReferenceTxnId, Type and Status column values and generates accurate values for the vast majority of rows - indeed, in our dataset we only had one row for which this approach did not work. I recommend you try this one first and compare the running-sum value to ensure it works for your data: You can use this function in the query like so below, hopefully it should give you an accurate running-sum and balance figure at the end: 8. And here's the view that ties it all together: Used like so: I hope this helps anyone else wanting to do accurate bookkeeping with PayPal Transaction History files!"


"Currencies that are pegged or fixed require that foreign currencies are held by the central issuer at a proportional amount. This is analogous to having a portfolio of currencies that the central bank issues shares from - in the form of its own currency. We will continue with this analogy, if the central bank says these ""shares"" are worth $1, but the underlying components of the portfolio are worth $0.80 and decreasing, then it is expensive for the central bank to maintain its peg, and eventually they will have to disregard the peg as people start questioning the central bank's solvency. (People will know the $1 they hold is not really worth what the central bank says it is, because of the price changes people experience in buying goods and services, especially when it comes to imports. Shadow economies will also trade using a currency more reflective of labor, which happens no matter what the government's punishments are for doing so). Swiss National Bank (central bank) did this in early 2015, as it experienced volatility in the Euro which it had previously been trying to keep it's currency pegged to. It became too expensive for it to keep this peg on its own. The central bank can devalue its currency by adjusting the proportions of the reserve, such as selling a lot of foreign currency X, buying more of currency Y. They can and do take losses doing this. (Swiss National Bank is maintaining a large loss) They can also flood their economy with more of their currency, diluting the value of each individual 1 dollar equivalent. This is done by issuing bonds or monetizing goods and services from the private sector in exchange for bonds. People colloquially call this ""printing money"" but it is a misnomer in this day and age where printers are not relevant tools. The good and service goes onto the central bank's balance book, and the company/entity that provided the service now has a bond on its book which can be immediately sold to someone else for cash (another reading is that the bond is as good as cash). The bond didn't previously exist until the central bank said it did, and central banks can infinitely exchange goods and services for bonds. Bond monetization (also called Quantitative Easing) is practiced by the Federal Reserve in the United States, Bank of Japan, European Central Bank and now the Central Bank of the Republic of China"


"This has been my technique for negotiating salary for a new job. I simply tell the company/recruiter, ""I don't negotiate. Give me an offer. If I like it, I'll take it. If I don't, I'll leave, no hard feelings, and look for another job. No second chances, no back and forth.""  Has worked -very- well for me."


First of all a big thumbs up for Ben's answer.   A few small things you can do to help you on your way.  Hopefully you are not more in debt that 6 months of salary in debt because that is a really tough road. first thing you need to do is get some professional help. The National Foundation for Credit Counseling (NFCC) offers free or low-cost debt counseling to help you through the process. Visit them at NFCC.org or call 1-800-388-2227 to find a local affiliate office near you. You might want to only use cash for a while. If not and you have a credit card with no balance always use that card because it will be interest free.  Remember if you use credit cards as a payment system and not credit, you actually get free interest.  If you roll even a penny over into the next statement you are paying interest day one of each purchase. Pay credit cards with highest interest rate first an pay minimums to others This one I like the best.  As you get money pay your credit card.  You interest is being compounded daily.  Pay your cards when you have money, not when they are due.   Have a mindset that reminds how much something is really going to cost you If you plan on taking 3 years to get out of debt and you buy something for $100 that is really costs you $156.08 Three years of compound 16% interest.   5b. Conversely if you sell something for $100 on eBay that is like selling something for $156.08.


> however I'm not familiar with MSRs, but I expect there to be trade offs as well. nothing is perfect  Nothing is perfect, but some things are *drastically better* than other things. For example, recycling Aluminum compared to throwing it out and mining new Aluminum. Full fuel cycle fuel-in-liquid nuclear reactors look like they're an even better deal than that.


I would put this money to a high-interest savings account. It will not earn you too much, but it will save it from inflation.


It's not mostly individually damaging, unfortunately. As the obese spend more on health insurance claims, we as the entire health insurance policy holders pay the price with higher premiums, since no health insurance company will pay that difference out of their pockets. With that said, instead of a ban, I'd rather see a soda tax, similar to cigarette taxes. You drink more, you pay more so when you start looking for health care related to your obesity, at least you contributed to a fund that can benefit everyone.


A major reason that I can think of is financial security. Most people have reoccurring costs such as housing, car, medical expenses. If you were to put all you money into dept, and live from check to check, than you could be increasing risk of financial loss. Think about what would happen if one were to default on their mortgage? Risk management plays a huge role in personal finance, and a way of preventing financial loss is to have enough money in an accessible place to pay reoccurring costs in the event that ones situation changes unexpectedly.


There are multiple ETFs which inversely track the common indices, though many of these are leveraged.  For example, SDS tracks approximately -200% of the S&P 500.  (Note: due to how these are structured, they are only suitable for very short term investments) You can also consider using Put options for the various indices as well.  For example, you could buy a Put for the SPY out a year or so to give you some fairly cheap insurance (assuming it's a small part of your portfolio). One other option is to invest against the market volatility.  As the market makes sudden swings, the volatility goes up; this tends to be true more when it falls than when it rises.  One way of invesing in market volatility is to trade options against the VIX.


There generally isn't much in the way of real identity verification, at least in the US and online.  The protection you get is that with most credit cards you can report your card stolen (within some amount of time) and the fraudulent charges dropped. The merchant is the one that usually ends up paying for it if it gets charged back so it's usually in the merchant's best interest to do verification.  However the cost of doing so (inconvenience to the customer, or if it's an impulse buy, giving them more time to change their mind, etc) is often greater than the occasional fraudulent charge so they usually don't do too much about it unless they're in a business where it's a frequent problem.


When you take the tourist to buy tickets, show them where and which one to buy. I didn't like how my tuk Tuk driver just sat there and pointed to where I had to go.  Explain to tourist what the price ranges are for a tour guide. I wouldn't recommend a specific tour guide because we all hate being coerced into paying people services, we will think you are all one big business.l and we don't like that!   Tripadvisor and business cards is a great idea.


Your best course of action is to gather your paperwork, ask around your personal network for a recommendation for a good CPA, and pay that person to do your taxes (business and personal).  Read through the completed package and have them walk you through every item you do not understand.  I would continue doing this until you feel confident that you can file for yourself.  Even then, the first couple of times I did my own, I'd pay them to review my work.  Assuming you find a CPA with reasonable fees, they will likely point out tax inefficiencies in the way you do your business which will more than pay for their fees.   It can be like a point of honor for CPAs to ensure that their customers get their money's worth in this way.  (Not saying all CPAs work this way, but to me, this would be a criteria for one that I would recommend.)


No.just give your social security number and contact info, that's all that's needed.


"In the Income Statement that you've linked to, look for the line labeled ""Net Income"". That's followed by a line labeled ""Preferred Dividends"", which is followed by ""Income Available to Common Excl. Extra Items"" and ""Income Available to Common Incl. Extra Items"". Those last two are the ones to look at. The key is that these lines reflect income minus dividends paid to preferred stockholders (of which there are none here), and that's income that's available to ordinary shareholders, i.e., ""earnings for the common stock""."


Over time, fees are a killer. The $65k is a lot of money, of course, but I'd like to know the fees involved. Are you doubling from 1 to 2%? if so, I'd rethink this. Diversification adds value, I agree, but 2%/yr?  A very low cost S&P fund will be about .10%, others may go a bit higher. There's little magic in creating the target allocation, no two companies are going to be exactly the same, just in the general ballpark. I'd encourage you to get an idea of what makes sense, and go DIY. I agree 2% slices of some sectors don't add much, don't get carried away with this.


> That's just false. Burning wood is definitely less efficient, but overall poor people release less carbon that wealthy nations.  OK, do you have a source? My understanding is that due to their much greater numbers, the poor actually contribute more CO2 than do the rich.


Generally speaking, if you have significant revenue outside the US, then you're better off incorporating out of the US. The US has significantly higher corporate tax rates, and taxes on worldwide income not just revenue in the US. Setting up in an offshore country would have no corporate tax but would cost about $1000 a year in fees.   For any non-US company, your US partner would need to file a 5471 form with his US personal tax which reports the company's finances. That costs about $1000 a year for an accountant to prepare. So you still need accounting on the company, even if you are not paying corporate tax.  Setting up the company is reasonably easy, you just use a broker. The bank account may be more difficult but they can help with that too.  You may find that your optimal personal tax strategy and your US partner's strategy are different. For example, if your partner is living overseas, then they are not taxed on salary in the US, but are taxed on dividends. So they would prefer to take any money out of the company as salary, resulting in no corporate profits. You, on the other hand, might prefer dividends.


">""We expect to have a small U.S. income tax liability for 2010,"" GE chief spokesman Gary Sheffer told us. How big is small? GE declined to say. The number is unlikely to ever be disclosed unless GE goes public with it, or is forced to do so.  Again, not a billion dollars. Unfortunately I am not skilled enough in accounting to be able to decipher that spreadsheet but I do appreciate your providing so many links, I didn't notice them earlier. Still, I find no evidence that GE is any more likely to have paid a billion dollars in taxes than a nickel."


I guess. I just think it's stupid to think there's no difference between a corporation and it's owners. Once an organization of any kind reaches a certain size it becomes bigger than any shareholders, and consumes different types of public goods than any individual would. Kleenex uses different public goods than if all the shareholders just owned paper mills and paper stores in local towns, so it has a different kind of public contribution obligation.  I understand that principle that corporate income and dividends are theoretically the same thing, so shouldn't be taxed twice. I get the concept. But it just seems like another excuse to shift more income to people who own, rather than people who work. I support more money going to people who work for a living, not invest.


Since you are not starting with a lot of cash the commissions may eat into your account. So go with somebody that has no inactivity fee and low/free commission. I think there are number of sites and the ING sharebuilder.com comes to mind. Scottrade also one of the cheaper ones that i used.


And where does that spending by the government usually end up? Right back into the economy. Putting that tax money into the hands of the wealthy means they will do what they do best - hoard it. If you have an economy that's built on a certain amount of spending by the government, then cut that off because you decrease the government's cash flow, then you have to have an equal response in terms of spending. Kansas showed that most wealthy people do not spend the money they get to keep from lower taxes. That in turn causes a strain on the economy and you end up with both fiscal woes at the state level and economic woes for businesses and individuals. That's what happened in Kansas and that's what will happen at the federal level if these tax cuts are enacted. This is fine for the wealthy - they win in this scenario. But they are the only ones who do. Instead, the tax cuts should be focused on the lower and middle classes who will actually go out and spend that money. But, as written, these tax cuts disproportionately favor the wealthy, who will not spend to help individuals and small businesses.


Charterholder here...it might help you get into industry..it might not. There are no guarantees and the exams are demanding. You have to really commit to learning the material.   Networking and presentation skills (interviewing) will always be the primary factor in where you can get hired.


The only professional designations for people allowed to provide tax advice are Attorney, EA or CPA. Attorney and CPA must be licensed in the State they practice in, EA's are licensed by the Federal government. Tax preparers are not allowed to provide any tax advice, unless they hold any of these designations. They are only allowed to prepare your tax forms for you. So no, tax preparer is not a solution. Yes, you need to talk to a tax adviser (EA/CPA licensed in your State, you probably don't need a tax attorney). You should do that before you start earning money - so that you can plan properly and understand what expenses you can incur and how they're handled with regards to your future income tax payments. You might also want to consider a bookkeeping service (many EA/CPA offices offer the bookkeeping as well). But that you can also do yourself, not all that complicated if you don't have tons of transactions and accounts.


"The current tax regime?  Not sure if you are being serious or facetious, but:  [US Citizens and Resident Aliens Abroad - Filing Requirements](https://www.irs.gov/individuals/international-taxpayers/us-citizens-and-resident-aliens-abroad-filing-requirements)  >If you are a U.S. citizen or resident alien living or traveling outside the United States, **you generally are required to file income tax returns, estate tax returns, and gift tax returns and pay estimated tax in the same way as those residing in the United States.**  In contrast, corporations don't pay taxes on profits earned abroad until repatriation [here](http://money.cnn.com/2014/08/14/news/economy/corporate-taxes-inversion/index.html), [here](https://www.nytimes.com/2017/03/09/business/economy/corporate-tax-report.html), [here](https://www.bloomberg.com/graphics/2016-apple-profits/).  So guess what they NEVER do?  This is why literally every large US multi-national corporate ""person"" pays next to nothing in taxes.  It is quite obvious that this is a violation of the spirit if not the letter of tax law.    That simple fix would wipe out massive amounts of government debt and force multi-national corporations and their shareholders to become engaged stake holders in the efficiency of government.  But if, unlike W-2 paid human counterparts, you can dodge all taxation, ""Who cares if the government is using funds efficiently?""  That is incentive to actually game the system to force the government into wasteful spending because the subsequent fallout of increased taxation and/or failure of the state can be dodged without consequence."


"after 30 years, you'd have a million dollar house vs a quarter million dollar house. You've captured three quarters of a million dollars in rent, given my napkin math hypothetical. As I figure the math, a 250,000 house appreciating to a million dollar house in 30 years requires a sustained ~4.9% appreciation every year--seems unrealistic. The historical rate of inflation, on average, has been closer to 3-3.5%; a 3% appreciation would give a final value of $589k.  This also doesn't taken into account the idea that you may have bought a property during a housing bubble, and so then you wouldn't get 3% year-over-year returns. But also, in terms of ""capturing rent"", you are not factoring in necessary or possible costs that renting doesn't have:  mortgage interest and insurance, maintenance, property tax, insurance, buying and selling associated fees, and, importantly, opportunity costs (in that the money not tied up in the house could be invested elsewhere).   So it is not such a slam dunk as you make it out.  Many use the NY Times buy/rent calculator to compare renting vs. buying."


Before, you just had to make cymbals - now, you have to make cheaper, better cymbals than a 400 year old cymbal manufacturer.    Oh, and you now have to get into musical instrument stores (who might have deals already in place allowing the other company to be their sole supplier of cymbals).  And, then, when you do find someone willing to sell your small line of cymbals, you have to compete with a company who mass-produces dozens and dozens of different lines (and who can offer the store owner much better discounts and freebies than you can)...  Ask Amazon Auctions what it's like to be a second mover...


I think the first step is to be thankful that your relationship with this person has not degenerated into lawsuits and bickering.  That would greatly affect your cash flow and valuations!  It also seems that this person is open to a variety of solutions.  This truly is a gift. I see two options without taking a mortgage or fronting cash: The key here is if the 65% property already has a mortgage.  Does it have enough equity to provide 15% cash out, and cover the existing mortgage?  What is the interest rate?  Can you get a lower rate that will reduce the impact of a higher mortgage payment will have on your income?  Can you have your partner finance the 15%?   In the end there really isn't a way to divest this company without impacting your income.


/u/orbpin, the holocaust denier, doesn't understand that Jews need blood of young Arab boys in Hebron for their religious rituals.  Also, /u/orbpin, does not know that Jews always lived in Hebron, until they were all massacred by Arabs in 1929. Hebron is Jewish as Abraham bought it for 3000 silver coins about 3,500 years ago.


Speaking from experience, yes (this was 9 years ago though and may have changed due to stricter laws). I lived in London and was moving to NYC and wanted to have a functioning bank account upon arrival. I banked in London with HSBC and asked them if they could set me up. They connected me with the right people in the US and after many forms I had a fully functional US bank account with a foreign address and without having a social security number - and I was (am) just your average person. You will most likely not be able to get a credit card through them because of lack of credit history (unless you are ridiculously rich or go for a secured credit card), but a debit card should be possible.* My advice is to talk to your local bank and see if they can help you, although it will help if they operate in the US. Good luck! *I have heard from various expats that American Express may be willing to issue cards in the states based on their existing relation with clients in other countries, but I digress. If you have an Amex in Switzerland or Sweden I would recommend talking to them.


The answer to your question doesn't depend on who you trade with but what country you live in. If you live outside of the US, you will have to pay tax on dividends... sometimes. This depends on the tax treaty that your country has with the US. Canada, Australia, UK and a few other countries have favorable tax treaties with the US that allow you to not be double taxed. You must look into the tax treaty that your home country has with the US to answer the question. Each country is different.


We're mostly talking about the same thing, but if they were trying to mold people for jobs they could be more successful at it, instead of requiring general ed classes and offering majors unconnected to any possible job. The worthwhile majors they offer aren't necessarily all that well aimed at employment concerns either. Also, employers don't expect colleges to produce trained applicants, they expect other employers to do so, which is why they place such a premium on previous job experience.


The two do not imply that they are connected. The statement above states that there are plenty of people who graduated and are around 21-25. Then the next statement explains that people who graduated make 100k+ - it doesnt mean they are 21-25.....it just means they achieved two objectives at separate times.


"I don't disagree that many times psychologists can exaggerate or even present fabricated claims about human behavior only in an effort to rack in some extra money.   HOWEVER, any close to normal person can see that there are a whole lot of people with serious issues that nobody mentions to them (or they themselves are afraid to acknowledge) because they don't want to deal with all of the drama.   Anyway, let's see how legitimate the (25% of americans suffer from mental illness) claim is.    1)http://www.samhsa.gov/newsroom/advisories/1201185326.aspx   ""A new national report reveals that 45.9 million American adults aged 18 or older, or 20 percent of this age group, experienced mental illness in the past year. ""  http://www.samhsa.gov/newsroom/advisories/1201185326.aspx  2) http://wwwapps.nimh.nih.gov/health/publications/the-numbers-count-mental-disorders-in-america.shtml  ""hen applied to the 2004 U.S. Census residential population estimate for ages 18 and older, this figure translates to 57.7 million people.2Even though mental disorders are widespread in the population, the main burden of illness is concentrated in a much smaller proportion — about 6 percent, or 1 in 17 — who suffer from a serious mental illness.""   ...You can find countless studies like this online.   Now, obviously somebody is thinking about pointing out, at this point, that all of these studies were conducted by psychologists or psychiatrists only trying to validate their initial claims and ultimately for economic benefit. And, well--if you that's your argument, then yes, you are absolutely right that there is absolutely no way ""prove"" that the 25% statistic is correct.   And, just to be clear, the term ""Mental Illness"" in this case(according to the above studies) is really anything from anxiety, to depression, to schizophrenia, personality disorders, and even more social things like compulsive lying. Obviously, the definition is very broad and that is precisely why the statistic(25%) is so shocking."


"One big thing you have to worry about is tax penalties and accrued interest.  You don't want $1000 to turn into $3000 because of interest. IRS does not play around when it comes to being owed money.  CPA is a certified public accountant who should be savvy enough with your local/state laws to know how much taxes  you owe.  Usually, if your taxes are simple, they charge about $100-$500 to do your taxes (you'll have to look around).   Also, I'd look around /r/personalfinance.  If I were in your shoes, I'd take the money and invest in something relatively passive so that when you do graduate college, you'll have a good amount of money to start your ""adult"" life with."


It's good that you can still use the area solar panels are placed because the space requirements will be extremely large compared to nuclear.  Recycling solar panels makes a lot of sense though.  Not saying they are a bad idea. Energy storage is a tough problem to crack though.


In the UK, the government has recently announced that Child Benefit will no longer be paid to those who earn over £44k. This means that if you currently earn £43,999, and your employer offers you a raise of £10 per annum to £44,009, then you could be over £1k worse off as a result.


"This is the best tl;dr I could make, [original](http://www.reuters.com/article/us-usa-fed-trump-picks-idUSKBN18T2VE?il=0) reduced by 81%. (I'm a bot) ***** > The conservative picks come as Fed Chair Janet Yellen continues to slowly raise interest rates and lay out plans to shed some of the trillions of dollars of bonds bought in the wake of the financial crisis.  > &quot;Many market participants have been barking up the wrong tree, arguing that Trump is an easy money guy because he borrowed a lot when he was a real-estate tycoon,&quot; said Stephen Stanley, Amherst Pierpont&#039;s chief economist, who worked for Goodfriend when he was at the Richmond Fed.  > &quot;If these two nominees are eventually confirmed, the tone of the Fed Board will instantly swing to a far more hawkish tenor.""   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6f1uue/trump_makes_two_conservative_picks_for_fed_ny/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~135644 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Fed**^#1 **Goodfriend**^#2 **rate**^#3 **hike**^#4 **Trump**^#5"


"The uncertainty as I see it is around **personal** income tax rates and the **employee** portion of the SS tax. This has nothing to do with the operating costs of large businesses, right? Small businesses often have their taxes done essentially on the owner's personal return, so in those cases the personal income tax rate affects them. This article talks about large businesses who are fussing about the ""uncertainty"".   Why is this uncertainty about things like taxes treated like something new? Historically tax rates have bounced around, and in the past taxes have been higher. The SS tax cut is a very recent thing, but now that's it in place suddenly people can't imagine hiring if it goes back to what it was for many years. Also, the SS tax cut is on the employee portion, so even if it goes back the employer contribution doesn't change? WTF are they talking about?  This sounds more like silly people being confused by partisan talking points."


"I disagree. If nobody got their health insurance through their employer, then everyone would go out on the market and acquire them. This would create a more dynamic health insurance market which would, over time, drive down the cost of getting health insurance.   I don't follow your logic about how ""wages wouldn't keep up"" 10 or 20 years down the road. If anything, not having to worry about benefits in a particular job would give employees more job mobility, causing the job market to be more competitive. In other words, it would be more likely to cause wages to up.  Also, ancillary benefits of getting employers out of the health insurance/benefit dynamic would be to create more efficiencies within those businesses (reduce staff spent on coordinating plans and such), make small businesses more competitive (they are at a disadvantage now with regard to big companies with pools of employees), and get more people to acquire at least some form of insurance (health coverage goes up).  I, for one, welcome a world in which our employers have absolutely nothing to do with our benefits choices and we choose them at our own discretion, just as I do with my car insurance."


I agree 100%.   But you are both right.   Millennial tastes have changed, and there is nothing wrong with that.  But very few companies have 1200 restaurants.    And remember, they are still profitable, just not as profitable as they were.  So do you remake a profitable company or tweak things?     To my mind the entitlement comes with the comments all over that says: this is what we want, you don't provide it, you suck, you deserve to fail.   For myself, I have owned dying companies.  I had my kids in private school booking wedding bands.   DJs came along and I got out.   Went into selling video equipment that was replaced by software.   Technology is making this happen faster.   It is hard to create a successful business, harder to have to recreate every decade.


I would worry more about identity theft than your credit score at first.  I would want an explanation of how it happened and confirm that no one has used it.  I don't think it will be too big of a deal on your credit in the longer term.


My uncle successfully manages a portfolio for an investment firm in New York. I believe he works with somewhere around 2.5 billion dollars, mostly endowments from schools and other funds like that. I know that he had to work very hard to get where he is today but he's been rewarded with excellent compensation and a lot of freedom to do his job how he sees fit.


There isn't a formula like that, there is only the greed of other market participants, and you can try to predict how greedy those participants will be. If someone decided to place a sell order of 100,000 shares at $5, then you can buy an additional 100,000 shares at $5. In reality, people can infer that they might be the only ones trying to sell 100,000 shares right then, and raise the price so that they make more money. They will raise their sell order to $5.01, $5.02 or as high as they want, until people stop trying to buy their shares. It is just a non-stop auction, just like on ebay.


Opportunity cost is the term you're looking for. I.e. (quoting from link) Definition of 'Opportunity Cost'   1. The cost of an alternative that must be forgone in order to pursue a certain action. Put another way, the benefits you could have   received by taking an alternative action.


"I've got a Chevy Bolt, and can confirm that handling is much better when the weight is down low in the center. I've never driven a car like it, and it doesn't even have the ""best"" handling type of suspension.  As far as moving parts go:  Report from a teardown, comparing the Bolt to a conventional VW Golf. http://www.advantagelithium.com/_resources/pdf/UBS-Article.pdf  Powertrain findings (Bolt vs. Golf):  * Moving parts - 24 vs. 149 * Moving parts in engine - 3 vs 113 * in gearbox - 12 vs 27 * other moving parts - 9 vs 9 * Wearing parts - 11 vs 24 * Moving and wearing parts - 0 vs 6  * Total - 35 vs 167  They found the Bolt requires no maintenance or replacement of these parts over the life of the car."


They have a history of victimizing small business owners for profit. I have had personal dealings with the CEO, and he really is a bottom feeder. Seriously, he has absolutely no class.  This is just one case:  http://forums.roadbikereview.com/general-cycling-discussion/specialized-bullies-bike-shop-owner-changing-his-name-315155.html  Sinyard, the CEO, flew out and apologized to the shop owner only after the story blew up in his face and he really had no other choice.  Lots of other bike manufacturers build bikes as good as or better than Specialized. There's no reason to give them money.


"Gladwell's arguments (which this piece maybe doesn't make the best case for) aside, there *are* good reasons you specifically shouldn't hire somebody from Harvard.  For starters, the culture there holds as a quasi-religious doctrine that ""these are successful students, therefore, they must succeed,"" which leads to things like grade inflation and [widespread cheating](http://www.independent.co.uk/student/news/nearly-half-of-new-harvard-students-admit-to-cheating-8804898.html).  But apart from all that, hiring Harvard grads means you're hiring people who think [the same as everybody else](http://chronicle.com/blogs/percolator/brown-and-cornell-are-second-tier/27565), and massively exposing yourself to groupthink. You'll miss out on the competitive advantages that can come from covering a wide variety of perspectives, backgrounds, and habits of thought."


Down in the Fine Print are these points to consider for the limit: For an average daily balance up to but not exceeding $5,000.00, the interest rate for the Savings Account is 4.91% with an annual   percentage yield (APY) of 5.00%. For that portion of the average daily balance of the Savings Account that is $5,000.01, or more, the interest rate is 0.49% with an annual   percentage yield (APY) of 0.50%. The interest rates and APYs of each tier may change. The APYs were   accurate as of March 1, 2014. These are promotional rates and may   change without notice pursuant to applicable law. No minimum balance   necessary to open Savings Account or obtain the yield(s). Because   Savings Account funds are withdrawn through the Card Account (maximum   6 such transfers per calendar month), Card Account transaction fees   could reduce the interest earned on the Savings Account. Card Account   and Savings Account funds are FDIC-insured upon verification of   Cardholder's identity. For purposes of FDIC coverage limit, all funds   held on deposit by the Cardholder at BofI Federal Bank will be   aggregated up to the coverage limit, currently $250,000.00.


WIX does allow for image alt text. I have a few. Pretty sure you're right it doesn't allow for HTTPs, especially when I try to add widgets. It never works.   I'm not sure what robots.txt or canonicals are. I'll have to look that up.   I'm using WIX's SEO tools and have listed my website on around 10 directories, as well as Google Adwords which I'm setting up right now (but I'd like to not have to pay for ads and base mostly off SEO, which was kind of the starting issue here.) My main products are chokers.


I had to do the reverse. I've had a few bad experiences at home depot, so I decided to drive out further to the Lowe's where I get stellar customer service. As an IT worker though, this news really frustrates me. I guess I can't win either way.


Borrow the overpriced bond promising to repay the lender $1000 in one year.  Sell the bond immediately for $960.  Put $952.38 in the bank where the it will gain enough to be worth $1000 in one year.  You have +$7.62 immediate cash flow.  In one year repay the bond lender with the $1000 from the bank.


I'd look at Fairmark and understand where in your current bracket you fall. If you are only a bit into that 25% rate, I'd go pretax so you end the year right at that level $69K in 2011. I'd Use the 401(k) to capture any match your company offers, and then use the IRAs for the rest. It would take quite a bit saved for retirement to retire you into the 25% rate, so take advantage of that 15% while you can.


> So, for every trading partner, you need a unique EDI process.  You don't have EDI operators in US? Our EDI operator accepts all the regular standard and maps them to our needs so we don't have to worry about EDI message mappings.  >inbound invoices, they have to be handled differently depending on what is purchased.  In our process we ideally have PO number that we send to supplier and then we match the PO number to the invoice that supplier sends to us. All the postings come automatically from the PO from ERP.  For invoices that we can't apply the PO number process we can make automatic posting rules. Some suppliers can provide row data or we can OCR it from the invoice. Mobile phone bills are great example of that. We just make a rule that number 555-555-555 has this posting and this cost center and if the sum is less then X it will be posted automatically by that rule.  I agree that it would take a lot of time if we had to do this process in terms of the suppliers and one supplier at a time.


"Well, maybe its only something that ""Nobel laureates"" are allowed to do, amiright?   I mean even if the ""Nobel"" isn't *really* a Nobel; and then as if the Nobel really mattered at all anyway (as far as somehow ""anointing"" someone as being infallible as some ""Pope"" of a given field)."


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-09-26/mike-novogratz-is-set-for-comeback-with-crytocurrency-hedge-fund) reduced by 92%. (I'm a bot) ***** > Novogratz will put up $150 million of his own money and plans to raise $350 million more by January, mainly from family offices, wealthy individuals and fellow hedge fund managers, said a person familiar with his plans.  > For Novogratz, 52, the fund marks a comeback to professional money management after humbling losses at Fortress and almost two years of self-imposed exile from Wall Street.  > With a $500 million hedge fund, Novogratz will be able to capture trading opportunities that require more scale, as well as wield influence with developers, entrepreneurs and regulators.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/72ofsc/mike_novogratz_is_forming_a_500mil_crypto_hedge/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~217166 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Novogratz**^#1 **fund**^#2 **trade**^#3 **bitcoin**^#4 **way**^#5"


Subsidizing helps both the little and the big guy.  So why is the big guy still able to beat down the competition that tries to form against him?  How is Comcast able to stop competition while also being allowed to provide poor service at bad prices?  Subsidies ease his loss, but don’t enable his legal power to crush us.


You do not need to file 1099-MISC to yourself if you're running as a sole proprietor - you are yourself. However, you do not deduct this amount from your business income and report it as royalties either. Your self-published book is your business income subject to SE tax. You can only deduct the actual costs of producing/writing, and the remaining amount is your Schedule C income.


You cannot directly transfer money from your Bank Account.   You can use Debit Card to make payments to your paypal account. Just enter the details of the payment and amount, it would make the necessary deduction from your debit card.   Indian regulations do not allow you to store value in your paypal account. This credits have to be transfered to a Bank account.


I quit contracting years ago and moved on to working in investment banking.   And the other 11 series are even worse. I gave you the benefit of the doubt. So I'd ask again, why do you think that your skillset is in excess of the tens of thousands of guys that have gone through the two premier PSC's, the countless more who have moved through various SOF groups over the last three decades, the thousands that do protection ops for OGA, all of the police officers who have protection experience...


ChrisW's comment may appear flippant, but it illustrates (albeit too briefly) an important fact - there are aspects of investing that begin to look exactly like gambling. In fact, there are expressions which overlap - Game Theory, often used to describe investing behavior, Monte Carlo Simulation, a way of convincing ourselves we can produce a set of possible outcomes for future returns, etc.  You should first invest time. 100 hours reading is a good start. 1000 pounds, Euros, or dollars is a small sum to invest in individual stocks. A round lot is considered 100 shares, so you'd either need to find a stock trading less than 10 pounds, or buy fewer shares. There are a number of reasons a new investor should be steered toward index funds, in the States, ETFs (exchange traded funds) reflect the value of an entire index of stocks. If you feel compelled to get into the market this is the way to go, whether a market near you of a foreign fund, US, or other.


Another reason to buy insurance, though not applicable in this case, is that the insurance company is a big buyer of services and will be able to buy any services covered under the policy much more cheaply than you will. So they can charge you less than your expected payouts if you were uninsured and still make a profit. This particularly applies to things like medical and veterinary insurance.


>Secretary of Homeland Security John Kelly determined there are not enough qualified and willing U.S. workers available to perform temporary nonagricultural labor to satisfy the needs of some American businesses...The H-2B Temporary Nonagricultural Worker program was designed to serve U.S. businesses unable to find a sufficient number of qualified U.S. workers to perform nonagricultural work of a temporary nature. Congress set the annual H-2B cap at 66,000.  are these *qualified and willing temporary nonagricultural workers* paid / housed / treated the same as US citizens?  or do they belong to a different legal category, with reduced rights and protections?   has the DHS always had a mandate to protect businesses?    do they also have a mandate to protect workers from suffering irreparable harm?  is that a concept?


Let me add a counterpoint.  I don't know about you, but for some psychological reason, when I know I have an abundance of something I tend to be less frugal about the way I consume it.  For example: When there is a six pack of cokes in the fridge I feel like I am more prone to not drink them up so quickly so I have some for later on. However, if I knew I had 3 more cases in the pantry, I seem to go through a lot more of them.


Yes, your assumptions are correct. The industry realizes that the equilibrium price of product A is $10. The government decides to increase the amount of people who can access product A. They do this by subsidizing $5 of the $10 dollar cost. However the industry reacts by increasing the cost of product A by the amount of the subsidy (so product A is now priced at $15), because the industry knows people already can afford paying $10.  This is not exclusive to medicine, it is also happening with higher education. Here is a paper that examines the effect of government subsidization of college tuition. The study finds that as financial aid increased, there was a 102% correlation with the increase in the cost of tuition. http://www.nber.org/chapters/c13711.pdf


ECG is your go-to company if you are looking for an extensive training course on Basic Life Support. Throughout the said course, the ECG trainers will make sure that participants will be able to recognise if an adult, child, or infant is in cardiac arrest and provide basic life support. To learn more about the Basic Life Support training course offered at ECG, visit their website, ecgtraining.co.uk.


On the quality angle a big part of it is experience, but the biggest thing is careful observation.  You have to take a close, critical look at any article of clothing.  (This holds true for just about any purchase.) As far as finding them for reasonable prices it's the usual thing: sales and buying them second-hand. Finally, regarding maintenance:


Wow, the unnecessary sarcasm is telling of your level of social development.  First, please tell me exactly where I said that we have not improved productivity, because, I'm fairly certain I didn't say that productivity hadn't grown at all.  In fact, if you're looking for the exact figure, it's about 6x what it was when the industrial revolution started.  See... if you were paying attention you would have realized the conversation wasn't dealing with this issue and you might have been better keeping your nose out.  Second, please tell me at least one or two articles you've read about the theoretical limit to productivity improvements.  I'm sure you can list at least one, right?  I mean, clearly you wouldn't be so stupid that you would just toss out a sarcastic comment without knowing something about productivity growth, or what its theoretical limits are, right?


You can't just move money out at will because of IRS rules for the account. However, you do seem to qualify for hardship.  > I investigated a hardship withdrawal, the amount I would be allowed to withdraw was $75.00  You need to look into this more. Normally with a hardship withdrawl, you can pull out what you need. Ask your HR why it is you have a $75.00 limit. We really can't answer.  Also, this question is really for /r/personalfinance . This subreddit is about investing.


Lets look at possible use cases: If you ever converted your cryptocurrency to cash on a foreign exchange, then **YES** you had to report. That means if you ever daytraded and the US dollar (or other fiat) amount was $10,000 or greater when you went out of crypto, then you need to report. Because the regulations stipulate you need to report over $10,000 at any point in the year. If you DID NOT convert your cryptocurrency to cash, and only had them on an exchange's servers, perhaps traded for other cryptocurrency pairs, then NO this did not fall under the regulations. Example, In 2013 I wanted to cash out of a cryptocurrency that didn't have a USD market in the United States, but I didn't want to go to cash on a foreign exchange specifically for this reason (amongst others). So I sold my Litecoin on BTC-E (Slovakia) for Bitcoin, and then I sold the Bitcoin on Coinbase (USA).  (even though BTC-E had a Litecoin/USD market, and then I could day trade the swings easily to make more capital gains, but I wanted cash in my bank account AND didn't want the reporting overhead). Read the regulations yourself. Financial instruments that are reportable: Cash (fiat), securities, futures and options. Also, http://www.bna.com/irs-no-bitcoin-n17179891056/ whether it is just in the blockchain or on a server, IRS and FINCEN said bitcoin is not reportable on FBAR. When they update their guidance, it'll be in the news. The director of FinCEN is very active in cryptocurrency developments and guidance. Bitcoin has been around for six years, it isn't that esoteric and the government isn't that confused on what it is (IRS and FinCEN's hands are tied by Congress in how to more realistically categorize cryptocurrency) Although at this point in time, there are several very liquid exchanges within the United States, such as the one NYSE/ICE hosts (Coinbase).


There are different perspectives from which to calculate the gain, but the way I think it should be done is with respect to the risk you've assumed in the original position, which the simplistic calculation doesn't factor in. There's a good explanation about calculating the return from a short sale at Investopedia.  Here's the part that I consider most relevant: [...] When calculating the return of a short sale, you need to compare the amount the trader gets to keep to the initial amount of the liability.   Had the trade in our example turned against you, you (as the short   seller) would owe not only the initial proceeds amount but also the   excess amount, and this would come out of your pocket. [...] Refer to the source link for the full explanation. Update: As you can see from the other answers and comments, it is a more complex a Q&A than it may first appear.  I subsequently found this interesting paper which discusses the difficulty of rate of return with respect to short sales and other atypical trades: Excerpt: [...]   The problem causing this almost uniform omission of a percentage   return on short sales, options (especially writing), and futures, it   may be speculated, is that the nigh-well universal and conventional   definition of rate of return involving an initial cash outflow   followed by a later cash inflow does not appear to fit these   investment situations. None of the investment finance texts nor   general finance texts, undergraduate or graduate, have formally or   explicitly shown how to resolve this predicament or how to justify the   calculations they actually use. [...]


In the context of EDV, 4.46 is the indicated dividend rate. The indicated dividend rate is the rate that would be paid per share throughout the next year, assuming dividends stayed the same as prior payment.  sources:


"Why shouldn't they pay for schools. After all why is that so many students and parents in underachieving public schools take no great interest in ensuring they get the best education tax payer dollars can offer?   Probably because they have no great stake in the game and the view the service as being always ""FREE"" of cost to them. In other words they fail to understand or don't care about the indirect costs because it has no immediate direct out of pocket cost to them."


Sex and reproduction is a choice like blinking is a choice. It's messed up to say that people who aren't born wealthy should 'simply' ignore biological imperatives, especially when things like vasectomies and tubal ligation require insurance and/or a large amount of cash.


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Major in whatever you find interesting. Don't look at college as a pathway to a job, but the time where you learn how to learn. Your undergraduate major has very little to do with what jobs you're able to do unless you limit yourself (all you).  I'm a software engineer that ended up in this industry after having worked in:  Video Games (Midway primarily, contract for others)  Military Intelligence (former CTM, US Navy)  Network Video  and now algo/quant.  No college degree.   My wife has a degree in anthropology and prior to raising our kids she was a particle accelerator operator/technician. She studied what physics she had to in her off time and landed the job.  Honestly just focus on increasing your capacity to learn, especially stuff that's hard and doesn't come naturally. That'll help you get pretty much any job once you're out.


"I'm of the same line of thinking. The reddit community has been an amazing resource for me in the past on items like this. I have my areas of expertise (as a lawyer I have a ""binders full of precedents""), but loan proposals are not one of those areas. And when I deal in areas I don't have mastered, I like to consider examples where professionals might consider the job ""well done"" in order to question, push back, or assist my own professionals."


"I don't know of any way to ""transfer"" a debt to another person without their consent or the lender's consent.  You are responsible for the loan, and you need to either pay it or give up the asset that it's tied to (the car). At least you weren't just a cosigner with no title to the car - then you'd be in worse shape.  If you don't want your credit tarnished, I would start (or keep) making the payments, knowing that you are getting the equity that results from the principal you're paying (you're only out the interest portion). If it were me, here are the things I would do:"


"Theres some major logic missing from this report, it didnt mention how technology is disrupting how everything is being distributed. As businesses become more efficient with technological advances and less dependent on human capital, then so must humans become more efficient and less dependent upon an expected level of income. Whats the demand to keep a human alive and well versus the demand for needing a well paid human laborer? If you are easily replacable, then your value to the company is simply cheap labor. Best example is Walmart, the wealthiest family, the largest employer whose many employees require gov assistance to live due to low wages. The only way this business could even exist is with assitance from the goverment to support its workers. So where do these tax subsidies come from? The article responded with a great point ""There will never be “piles and piles of valuable goods” laying around with no one to enjoy them."" Whoever said that has never been to Walmart with no money. I suppose there will always be ""someone around to enjoy them"" but will there also be less and less people who can afford to enjoy such things? Walmart has already shown what happens. This article points out the old ways of doing things economically but ignores the fact technology creates abundance, not scarcity. Were not currently using that abundance to directly improve humanity on a large scale level but rather the opposite to control supply or scarcity aka profits. When the demand to maintain & control financial power overpowers the desire to care & provide for your neighbor, then the rise of inequality and narcissistic options appear. This buying power is the component of influence to being able to survive very well or simply even remain alive. If my daily wage doesnt provide for my daily needs, then how can I use technology to stay alive? How efficient can we all become before we start to share in the abundance of life together?"


"Just an FYI, this can be a risky move. Unless you have been in the industry for a while, or are extremely well averse in investment management/research, keep it pretty short. In a lot of ways, you might want to think about tailoring it more like a sell-side report. Also, make sure you understand the style of investing the PM/company you are applying to likes.   The reason I say this is because every buy-side shop is different. Some do 1-2 page write-ups with models and walk through's, others will expect 60 page ""decks"" (i.e. Powerpoints). The longer the deck, the more you have that can go wrong. If one tiny thing is wrong, or you have a typo anywhere, it hurts you more than it helps that you wrote something long (I once had the wrong rating on one issuance of a bond ladder I was pitching; it's all the PM's focused on).  The more important aspect is that you understand the shop you are applying to and then tailoring the pitch to them. For example, don't do a growth tech company with an 80x forward P/E if you're applying to a fundamental value shop. It shows you didn't do research on the firm you're applying to and that you won't fit the culture. This is part of why I was saying that this can be a risky move, if the firm is large enough to have an HR department, they likely have a lot of different investment styles in house.  Finally, try to keep it to a small/mid-cap company. Analysts/PMs follow stocks all day long and will most likely have an opinion on 99% of large caps, no matter the sector.  In summary, I'd recommend a 1-2 page sell-side style write-up with a backup model (printed excel file). KISS (keep it simple stupid), have a summary, couple years worth of historical's, 2 years forward, and a few main bullet points of why you like them. In your case, this pitch should be something to pique the interest so that you can NAIL a real pitch in the interview. If you get an interview, know everything about everything in the industry as well as that specific company. For example, lets say you do a smartphone secular theme investment. Do you know what outstanding AAPL/Android cases there are, and more importantly, how would each ruling likely affect the marketplace? This is because I can guarantee if you're pitching to another tech guy, he knows and has an educated opinion on it. Also, in many cases having a great model can mean more than a long write-up, it shows that you're good with numbers and can think about FUTURE earnings, which are all that matter.  Last point, IMO you'd be better off trying to get your foot in the door through networking than HR. HR doesn't really do much on the buy-side with recruiting and won't really understand what to look for in a good pitch (they're HR after-all, not an analyst). Try to meet someone over coffee and then have a pitch READY to bring out/discuss. The buy-side is selective enough that usually when positions open up it's either because they are creating one for you or they already have an idea of who is going to fill it. This mean HR has little to no say in helping you get in. You'll have a lot more success this way than blasting to a bunch of HR emails."


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No, there is no such list, as the other answers mention it is practically impossible to compile one.  However you can see the institutional investors of a public company.  MSN Money has this information available in a fair amount of details.  For example see the Institutional Investors of GOOG


There may be a third option. The bank gives you the first mortgage of 80%, and a second, maybe a HELOC, for that missing 5%. This way, you get the lower rate and the money they'd charge you for PMI goes to paying down the second loan.  Alternately, do you have any other sources to tap to bridge this small gap? A 401(k) loan perhaps? The rate willbe low, and for home purchase, a 10 yr payback. If these aren't viable options, I agree that taking the PMI route while tracking the balance is the way to go.


Another option if you want a higher return is to tier your emergency fund so you are putting a portion in different savings vehicles, each with varying risk and rates of return. One option might be  You will need to assess the risk of these vehicles to see if it fits within your tolerance. If not, just using the online savings account is a fine choice. One final note regarding I-bonds - they can't be cashed out until 1 year after you buy them. This may be too limiting to some depending on their perceived need for their emergency fund over the next year; others may be more comfortable with it.


"Your employer can require a W8-BEN or W-9 if you are a contractor, and in some special cases.  I believe this bank managing your stock options can as well; it's to prove you don't have ""foreign status"".  See the IRS's W-9 instructions for details."


It might actually be kinda a good thing. If these cars charge overnight, mostly off peak hours, the transmission infrastructure will be put to good use at night, which can really help pay for the infrastructure, and therefore help subsidize our current bills.   Imagine it like public transit. A public transit system that had a high volume, constant stream of riders all day could earn a lot more revenues without needing to add more trains/rails/stops.


"Better how? They're smaller, so it's somewhat understandable that they don't have the same level of (these days at least) negative publicity, but from a purely consumer using-the-service perspective, what makes them any different?  To me it feels like Uber has championed everything and done a great job of getting things like airport restrictions changed while Lyft has quietly benefited, so it doesn't really feel ""better""."


You might think it as a simple multi-page document, but the fact is that property related contracts are very complicated with hundreds of terms that are beyond the understanding of a common man. In such circumstances, these professionals can be very helpful; as they will go through the contact and help you understand the terms and conditions.


"Your entire post is incorrect. From your understanding of the processes, to random sampling, to what stastical models represent, to facts in and of themselves.   It's crazy to me how much ignorance and misunderstanding is the baseline for these conversations. It's almost as if being ignorant and disregarding facts (as my above post is) as political propaganda is a badge of honor among so many. Every time it's ""hey, look at all these facts, well researched figures, and data that gets someone to this conclusion"" And the response is always along the lines of ""fake news"" with your head in the air as if being anti intellectual is something to be proud of.   We're off topic now, but the descent into the literal definition of idiocy and ignorance has become baffling. But QED about the above education point, I guess."


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It is a fool's errand to attribute abnormal option volume or volatility to any meaningful move in the stock. One side of the chain is frequently more expensive than the other. The relationship between historical volatility and implied volatility is dubious at best, and also a big area of study.


This is a great idea and I can't think of any downside. The best part about it is in the future when you have built up your emergency fund beyond the maximum contributions to the Roth IRA, you can then move your Roth funds into a higher yielding investment. I might take it a step further. In addition to this, try to get a line of credit from your bank (with no annual fee). In case of emergency, you can decide if you want to take the money from your Roth or borrow from the line and pay some interest temporarily. Depending on the situation it may actually make sense to pay a little bit of interest and leave the money in the Roth, since over the long run the future earnings of that money could easily make you more than the interest you'll pay for (let's hope) a short amount of time. To really hit home why your idea is fantastic:


"I can't vouch for Australian law, but in the US there is actually a recognized mechanism for ""in-family loans"" which ensures that it's all fully documented for tax purposes, including filing it as an official second mortgage. (Just did that recently in my own family, which is why I'm aware of it.) We're required to charge at least some interest (there's a minimum set, currently around 0.3%), and the interest is taxable income, and it is wise to get a lawyer to draw up the paperwork (there are a few services which specialize in this, charging a flat fee of about US$700 if the loan is standard enough that they can handle it as fill-in-the-blank), but outside of that it's pretty painless. This can also be used as a way of shifting gift limits from year to year -- if you issue a loan, and then gift the recipient with the payments each year (including the payments), you've effectively spread the immediate transfer of money over multiple years of taxes. Of course it does cost you the legal paperwork and the tax in the interest (which they're still ""paying"" out of your gift), but it can be a useful tool, and it's one that wasn't well known until recently. Again: This is all US codes, posted only for comparison (and for the benefit of US readers). It may be completely irrelevant. But it may be worth investigating whether Oz has something similar."


Expenses are where the catch is found.  Not all expenditures are considered expenses for tax purposes.  Good CPAs make a comfortable living untangling this sort of thing.  Advice for both of your family members' businesses...consult with a CPA before making big purchases.  They may need to adjust the way they buy, or the timing of it, or simply to set aside capital to pay the taxes for the profit used to purchase those items.  CPA can help find the best path.  That 10k in unallocated income can be used to redecorate your office, but there's still 3k in taxes due on it. Bottom Line:  Can't label business income as profit until the taxes have been paid.


> Which is why everybody has an incentive to cover themselves with THEIR OWN insurance policies.  I would be all for that as soon as every job in society pays people enough for a modest life including insurance.  Before that happens, this approach is just setting the lower classes up for failure.  > Which is why it's so important that people have a strong financial incentive to stay healthy...  I know this is a fundamental ideal of the right but I do not share it.  I think you need a lot of carrots to get people to change.  > It is not moral to point a gun at somebody to force them to pay for somebody else's stuff.  Is it moral for a rich man who made all his money while using public infrastructure and services to claim all his profits are exclusively his?  > My full time job is in the financial markets.  You do understand that if/when we get a terrific healthcare system that benefits the common man the healthcare stocks would tank?


It's not so much too big to fail as that's just a bad policy, you are overpenalizing Walmart.   Not to mention would this be reset every so many years or would it be permanent. It's pretty conceivable that Walmart is going to live on for ages and ages right now so there could be unintended consequences of this, much like the three strikes and you're out policy works in real life.


"More like:  nobody *can* pay for it.   Just paying for someone to be available near a person 24 hours a day is very labor intensive.    Expensive, even at minimum wage.  So a worker has to earn enough both to pay their own living expenses, but also the living expenses of their ailing mom *and* the living expenses of 2-3 aide workers.   That's crazy.  And that's not even counting in actual health care.  We're going to reach a breaking point with nursing homes etc soon.   To a much greater extent, you'll see some combination of ailing parents who would otherwise need 24 hour care allowed to die by not having medical interventions, moving back in with their kids and the kids sacrificing their career, ""suicided""..."


"I was amazed to find out that many people think that credit ratings are equivalent across asset classes.   Rating agencies DO NOT and CAN NOT rate assets based on market exposure. There ratings represent the assets idiosyncratic risk, obviously assets that are more exposed to the market have higher risk in a market downturn but higher reward in a boom.    This is pretty well known and documented. The agencies that are paid by debt issuers are there to establish that the asset meets certain established criteria, often this involves the interest rate. Thus, as most people that are familiar with financial markets know, the major CRA's tend to be reactionary, and a much better gauge of actual credit worthiness is the market interest rate. However these ratings do have a purpose for creating standardized practices for governments and other public organizations. Subscriber based CRAs will almost always give much more accurate and detailed information, just as with everything else, if you want something done right, your gonna have to do it yourself.   That said it will be interesting to see how the agencies adapt to Dodd Frank which mandates that their ratings translate across asset classes. Especially since gov debt is in a whole different tax category and thus intrinsically has lower interest rates and thus lower default rates. In the end the rating agencies are just going to have to say... ""well since the interest rate is under inflation we know that it is Aaa..."" lol Thus they are useless. In addition the rating of government debt has less to do with ability to pay back obligations and more to do with (at least in a democracy) political will. How is this supposed to be quantified?"


"Agreed, but going back to Amazon Prime itself, haven't you seen how the shipping charges are routinely just put into the price? Every non Prime item is $x plus $y for shipping. Then you see the Prime item listed for $(x+y) ""and free shipping!"". Just curious as to how you aren't more upset about that."


This comment might sound like a circle jerk but I think it's important to say. Indeed innovation is what creates more productivity, which is fueled by debt, but debt is fueled by real savings, which comes from under consuming, which is easier when your productivity is higher. The government can stimulate innovation yes, but only at the expense of someone else.   What's really scary is the federal reserve has been manufacturing all the savings for nearly a decade now. So there's a complete mismatch between credit and savings, and the overall economy. The actual price of money itself is manufactured too, so just about all asset prices are inherently flawed in my view.   I think it's important to piggy back your point about innovation and how productivity can't really go down, because inventions and new methods of producing goods don't disappear(once we come up with the combustible engine or a new drug for example, it's now here forever ideally, it's work that we don't have to do all over again).  What brings on a crash or feeling like we're going backwards in terms of progress comes when we somehow manage to go through a boom bust (like in 2008), but then take on all this debt, normally we can pay off debt but when the government manufactures it, and credit is created out of nothing, that's when you get into problems like not being able to pay it back - because it wasn't truly real or representative of real savings. I feel like I'm ranting now but I think this stuff is super important and I think you understand it.


"There is also the aspect of [time taken during the day to eat.](https://www.forbes.com/sites/tombarlow/2011/04/15/americans-cook-the-least-eat-the-fastest/#3428a01f4162)  (Note:  Article from 2011.  I mean this overall message as a ""this is also a factor."")  Full breakfast?  No time, need to get to work, will grab drive through and a coffee on the way.  Lunch?  Half an hour?  If you don't take something from home (and who WANTS to take the time after work to make up tomorrow's meal,) you need something close and easy to wolf down.  Supper?  Ugh, so worn out from the day.  If a person doesn't even want to make up tomorrow's lunch, why go through complicated tonight."


'In demand', partly due to the larger supply available.    Employers might prefer a math major, but when they are 5-10x more finance majors, they have to settle for the finance skillset + excel, rather than a proverbially higher IQ math major with greater modeling and math skills.


The market sets prices and the way JP Morgan or any other bank or organization determines the price it's willing to deal in would be proprietary business information.


"Here is the thing if in 2020-2040 you can buy CD's that pay 4% then you would kick yourself for paying your mortgage early and costing you a no risk 1% revenue on your money. Think about this?  You have a 4% mortgage that is costing you less than 3% after tax deduction"" in 2025 you are buying 10 year notes at 7% which is not out of the question.   You will be making 4% on your money with virtually no risk. Personally I agree with JoeTaxpayer.  I have gone a step further and done so with two houses and I netted myself over 20 grand in 30 months. So in short you have to ask yourself ""Can I make more than 3% on my money?"""


No I'm American, but vacation time is treated as earned income. That's why you get paid out on vacation days when you leave a job. If a company mandates you use vacation days then that's the same as them requiring you to spend your money on certain things. I'm assuming it's mandated in the contract that vacation days get docked for these trips, but it's totally shady.


"If you take a loan, you make a contract with your lender, let's call them ""bank"" (even if it might not be a real bank).  This loan contract contains an agreed-upon way of paying back the loan.  Both sides agreed upon these conditions.  Any change of it (like paying back early) needs the consent of both sides.  So, in general, no, you cannot just pay back everything earlier unless the other side accepts this change of the contract. Consider it from the bank's point of view:  They want to earn money by getting the interest you have to pay when you pay back everything nice and slowly.  It is their business.  They plan on these expected revenues etc. So if, for whatever reason, you have to pay back the whole remaining loan at once, you create a revenue loss for the bank and are liable for this financial damage.  In German the term for this is ""Vorfälligkeitsentschädigung"" which translates to ""prepayment penalty"" or ""acceleration fee"".  You just have to pay it, so in the end you come out like if you were paying back the loan in the agreed-upon fashion. However, many loan contracts contain the option to pay back early at specific points in time in specific amounts and under specific conditions."