The IRS Guidance pertaining to the subject.  In general the best I can say is your business expense may be deductible.  But it depends on the circumstances and what it is you want to deduct. Travel Taxpayers who travel away from home on business may deduct related   expenses, including the cost of reaching their destination, the cost   of lodging and meals and other ordinary and necessary expenses.   Taxpayers are considered “traveling away from home” if their duties   require them to be away from home substantially longer than an   ordinary day’s work and they need to sleep or rest to meet the demands   of their work. The actual cost of meals and incidental expenses may be   deducted or the taxpayer may use a standard meal allowance and reduced   record keeping requirements. Regardless of the method used, meal   deductions are generally limited to 50 percent as stated earlier.    Only actual costs for lodging may be claimed as an expense and   receipts must be kept for documentation. Expenses must be reasonable   and appropriate; deductions for extravagant expenses are not   allowable. More information is available in Publication 463, Travel,   Entertainment, Gift, and Car Expenses. Entertainment Expenses for entertaining clients, customers or employees may be   deducted if they are both ordinary and necessary and meet one of the   following tests: Directly-related test: The main purpose of the entertainment activity is the conduct of business, business was actually conducted   during the activity and the taxpayer had more than a general   expectation of getting income or some other specific business benefit   at some future time.   Associated test: The entertainment was associated with the active conduct of the taxpayer’s trade or business and occurred directly   before or after a substantial business discussion. Publication 463 provides more extensive explanation of these tests as   well as other limitations and requirements for deducting entertainment   expenses. Gifts Taxpayers may deduct some or all of the cost of gifts given in the   course of their trade or business. In general, the deduction is   limited to $25 for gifts given directly or indirectly to any one   person during the tax year. More discussion of the rules and   limitations can be found in Publication 463. If your LLC reimburses you for expenses outside of this guidance it should be treated as Income for tax purposes. Edit for Meal Expenses: Amount of standard meal allowance.   The standard meal allowance is   the federal M&IE rate. For travel in 2010, the rate for most small   localities in the United States is $46 a day. Source IRS P463 Alternately you could reimburse at a per diem rate


"Without knowing what you are trying to achieve - make a bit of pocket money, become financially independent, invest for retirement, learn trading to become a trader - I'll give you a few thoughts ...  The difficulty you will have trading with $400-600 is that brokerage will be a high proportion of your ""profits"". I'm not sure of the US (assuming US rather than AU, NZ, etc) rates for online brokers, but UK online brokers are the order of £6-10 / trade. Having a quick read suggests that the trading is similar $6-10/trade. With doing day trades you will be killed by the brokerage. I'm not sure what percent of profitable trades you have, but if it is 50% (e.g.), you will need to make twice the brokerage fees value on each profitable trade before you are actually making a profit. There can be an emotional effect that trips you up. You will find that trading with your own real money is very different to trading with fake money. Read up about it, this brief blog shows some personal thoughts from someone I read from time to time. With a $10 brokerage, I would suggest the following Another option, which I wouldn't recommend is to leverage your money, by trading CDFs or other derivatives that allow you to trade on a margin. Further to that, learn about trading/investing Plus other investment types I have written about earlier."


Yes. The S-Corp can deduct up to the amount it actually incurred in expenses. If your actual expenses to build the carport were $1000, then the $1000 would be deductible, and your business should be able to show $1000 in receipts or inventory changes. Note you cannot deduct beyond your actual expenses even if you would normally charge more. For example, suppose you invoiced the non-profit $2000 for the carport, and once the bill was paid you turned around and donated the $2000 back to the non-profit. In that case you would be deducting $1000 for your cost + $2000 donation for a total of $3000. But, you also would have $2000 in income so in the end you would end up with a $1000 loss which is exactly what your expenses were to begin with. It would probably be a good idea to be able to explain why you did this for free. If somehow you personally benefit from it then it could possibly be considered income to you, similar to if you bought a TV for your home with company funds. It would probably be cleaner from an accounting perspective if you followed through as described above- invoice the non-profit and then donate the payment back to them. Though not necessary, it could lesson any doubt about your motives.


The only consequence I could see is that they have your money until they pay you back. I'd just do what JoeTaxpayer says and get it back.


"No matter what you do, the question of ""what is income"" is *always* going to be an extremely complex question.   To use this particular example, is paying a royalty fee to an external party a legitimate business expense that is part of the cost of doing business and which subtracts from your ""income""?"


Average rates of return usually assume compounding, so your formula would be for annual compounding ,or for continuous compounding.


I don't know the term sole trader but usually the trade off is a corporation allows for shield from liability (i.e. creditors) more flexibility with respect to personal tax management, but higher operating costs (incorporation, financial statements, etc).  I always incorporate.


Sell the truck. I know that's not what he wants to hear. But the money you will save will make your goal possible. And in 5 years when you have your degree, a baby and you are both working steady jobs you will look back and realize it was a good decision. You guys are very young. You don't need a $40,000 vehicle right now.


Commissioned sales is dead. It might have worked when consumers were beholden to retailers for product knowledge and pricing, but now everyone can pull out their phone and understand the product, its competition, and know the lowest price in minutes.


"No one has addressed the fact that your loan interest and property taxes are ""deductible"" on  your taxes? So, for the first 2/3 years of your loan, you will should be able to deduct each year's mortgage payment off your gross income. This in turn reduces the income bracket for your tax calculation.... I have saved 1000's a year this way, while seeing my home value climb, and have never lost a down payment.  I would consider trying to use 1/2 your savings to buy a property that is desirable to live in and being able to take the yearly deduction off your taxes. As far as home insurance, most people I know have renter's insurance, and homeowner's insurance is not that steep.  Chances are a year from now if you change your mind and wish to sell, unless you're in a severely deflated area, you will reclaim at minimum your down payment."


LOL, yeah, actually maybe china doesn't give a fuck about the waste like they are doing with all their industry? Of course they don't look at emotions or give a shit because they are a fucking communist centrally planned government you retard.


I wouldn't say fair enough.  Go back and read the article again, right now, to remind yourself how bad it really was.  Passion is okay but that article needs a lot of work to be taken seriously by anyone other than those who already circle jerk to bitcoin.  If all he wants is hits and praise ($) from bitcoin fanatics, and doesn't care about the cause, then more power to him. If he wants to make a difference he needs a better writing style.


No shit. That's not the point OP was making. He was saying they dont exist, so who would buy an electric car when the necessary infrastructure isn't in place yet? The same situation existed for gas when those cars first hit the road. Guess what? People built gas stations. It goes for any new tech that requires infrastructure. Thry build out together. Its not something thats insurmountable.


"The thing about the glide path is that the closer you're to the retirement age, the less risk you should be taking with your investments. All investments carry risk, but if you invest in a volatile stock market at the age of 20 and lose all your retirement money - it will not have the same effect on your retirement as if you'd invest in a volatile stock market at the age of 65 and then lose all your retirement money. Static allocation throughout your life without changing the risk factor, will lead you to a very conservative investment path, which would mean you're not likely to lose your investments, but you're not likely to gain much either. The point of the glide path is to allow you taking more risks early with more chances of higher gains, but to limit your risks down the road, also limiting your potential gains. That is why it is always suggested to start your retirement funds early in your life, to make sure you have enough time to invest in potentially high return stocks (with high risk), but when you get close to your retirement age, it is advised to do exactly the opposite. The date-targeted funds do that for you, but you can do it on your own as well. As to the academic research - you don't need to go that far. Just look at the graphs to see that over long period investments in stocks give much better return than ""conservative"" bonds and treasuries (especially when averaging the investments, as it usually is with the retirement funds), but over a given short period, investments in stocks are much more likely to significantly lose in value."


Ok, I see your sarcasm, but what specifically did the executives do to cause the scandal? Maybe their head of community banking would be culpable, but do you think that the head of wealth and investment management would have any insight into retail accounts? Do you think the CEO gets that kind of granular information to even make that decision? Do you think the CFO has any insight into it?  I see a lot of people calling for the heads of everyone at WF, but at most, **maybe** one person on the executive board would have any influence in the area where the scandal occured. That area is not where the focus is, apparently.


"Envelope budgeting is pretty simple. It's easy enough that you can teach it to children, and flexible enough you can use it as an adult.   The general idea is that you take your cash money (no bank accounts involved in the simple version), and stick it in envelopes marked for what it's supposed to be for. So for example, you get paid, you cash your paycheck and you put $100 in an envelope marked food.  Now when you go out to eat, you go get the money out of your food envelope, and spend it on food.  When your food envelope is empty you go hungry.   In the simple version you have envelopes for things like ""food"", ""candy"", ""toys"", ""games"". etc. (simple version is usually taught to kids.)  So you want a $60 game, and your game envelope only has $5. Well you can't get the game. You need to add more money to the game envelope. You need to eat so you have to put money there, but maybe you don't need toys. So you can divert some incoming money from toys to games. Sure it's still going to take a while to get to $60, but now with some simple kid friendly math you can see how long, and more importantly, you can make decisions on what is more important. Candy or Toys? In the adult version things are much the same. We just have more envelopes. We have Rent, Car Payment, Gas, Food, Electric. Then we need some envelopes for ""savings"" and ""retirement"". etc. Now when you get your Paycheck you prioritize your money and you stuff it in the envelopes. How much you put in each envelope is easy. Enough to pay for that thing. Savings and Retirement meet different goals. You want $6,000 savings. Well just like that game in the kid version, you're not going to get there all at once.  But you can see and make decisions on what is most important. You want $1,000,000 to retire on. Sure, but that envelope is going to take a while to fill up.  At it's core, the important parts are that: Let me explain the rent example, as it's the oddest.  You get $500 a week, and you need $1000 for rent.  This means you're spending from your envelopes. During week 1 and 2 you're spending last months week 3 and 4.  You DO NOT do: This is important because if you lose your paycheck in week 3 or 4 you are homeless.  Finally, in general, you stick stuff in savings envelope. And you want to reach a savings envelope goal of 6 months of your average pay checks. Once you reach this goal, then you're in good shape, and a job loss doesn't mean you're homeless. You can always just pull from savings.  It's important when using these envelopes to understand that you only make the decision of what is more important when you're sticking money in, not when you're taking money out, and that you only work with the money you have right now today (in your hand). Now what you think you're going to get tomorrow.  Money in the bank can be split into virtual envelopes. Money in savings can be in any vehicle, but generally you want a short term emergency envelope (savings account) and a long term envelope (CDs for example). Take a look at YNAB.com they used to provide free lessons in using their software to manage an envelope system.  And the I know it's going to get comments section.  The rent v.s. homeless is a real example. You should not take money from, say, the food envelope, to cover the rent. This may seem silly, but if you're doing that then you made poor decisions when deciding where the money goes. Use the emergency fund envelope to cover the rent, and next time put less money into food. It's this ""rule"" that makes envelope budgeting work well. You may be homeless, but you can eat, drive to work, put gas in your car, and pay your bills. Taking money from different envelopes usually results in a spiral, where you attempt to do the sensible thing, but in the end, you're worse off.  Migrating to envelope budgeting (in the strict sense) is hard. The best way I have taught people to do it is to only envelope budget an increasing part of their income until their envelopes are full enough for one month. That means that you might only envelope budget 10% of your income at first. But unless your situation is such that you can cover all your bills with one paycheck, it's not going to be possible to transition without breaking the ""don't take money from other envelope"" rules."


Like almost all investing question: it depends! Boring companies generally appreciate slowly and as you note, pay dividends. More speculative investing can get you some capital gains, but also are more likely to tank and have you lose your original investment. The longer your time horizon, and the more risk you are willing to take, then it is reasonable to tilt towards, but not exclusively invest in, more speculative stocks. A shorter horizon, or if you have trouble sleeping at night if you lose money, or are looking for an income stream, would then tend towards the boring side. Good Luck


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The key point is from the penultimate sentence in your second paragraph: for which you have already paid taxes When you receive a dividend or realise a capital gain, you get taxed on that then, and you shouldn't have to pay taxes on it again in future. So the cost basis gets adjusted to reflect that.


"1. **[National Suicide Prevention Lifeline, http://www.suicidepreventionlifeline.org](http://www.suicidepreventionlifeline.org ""National Suicide Prevention Lifeline, 1-800-273-8255"")**      **Call toll-free in the United States: 1-800-273-8255**      **Chat: [http://www.suicidepreventionlifeline.org/GetHelp/LifelineChat.aspx](http://www.suicidepreventionlifeline.org/GetHelp/LifelineChat.aspx)**  2. ""[For long-unemployed, hiring bias rears its head](http://www.seattlepi.com/news/article/For-long-unemployed-hiring-bias-rears-its-head-3428844.php)"" by Stephen Singer, published on 23 March 2012: http://www.seattlepi.com/news/article/For-long-unemployed-hiring-bias-rears-its-head-3428844.php  3. ""[The Anxiety of Unemployment](http://opinionator.blogs.nytimes.com/2012/05/21/control/)"" by Dominick Brocato and DW Gibson, published on 21 May 2012: http://opinionator.blogs.nytimes.com/2012/05/21/control/  4. ""[Long-term unemployment crisis rolls on](http://money.cnn.com/2012/06/11/news/economy/long-term-unemployment/index.htm)"" by Charles Riley, published on 11 June 2012: http://money.cnn.com/2012/06/11/news/economy/long-term-unemployment/index.htm  5. ""[Philadelphia Woman, 73, Says Age Has Kept Her Unemployed for Two Years](http://abcnews.go.com/Business/73-year-philadelphia-woman-testifies-age-discrimination-job/story?id=16352837&singlePage=true)"" by Susanna Kim, published on 16 May 2012: http://abcnews.go.com/Business/73-year-philadelphia-woman-testifies-age-discrimination-job/story?id=16352837&singlePage=true  6. ""[The Human Disaster of Unemployment](http://www.nytimes.com/2012/05/13/opinion/sunday/the-human-disaster-of-unemployment.html?pagewanted=all)"" by Dean Baker and Kevin Hassett, published on 12 May 2012: http://www.nytimes.com/2012/05/13/opinion/sunday/the-human-disaster-of-unemployment.html?pagewanted=all"


"A) Yes, it does accomplish the goal of adding more money, but the money is in lieu of any return you can earn while the loan is outstanding. If you somehow knew exactly which periods where going to run negative, and you took a 401k loan during that time, you'd be in pretty good shape, but if you had that information you'd probably be ruling the world in short order and wouldn't care much about a measly 401k. B) It's a nice idea, but unfortunately you are not allowed to set your own interest rate. (If you could your idea would work perfectly.) The interest rate is bank specific, and is typically 1-2 points over prime. But if your plan was to leave your money sitting in cash or low interest bearing accounts anyway, the loan does actually achieve the goal of ""getting more money in there"". Though it's your money; you aren't ""earning"" it."


you should put it all down within reason. I don't think most people have any big names on their resumes when they apply, but having substantive experience to talk about is important. Just because its not a multinational company doesn't mean your experience is invalidated or anything. If you feel like any of your experience lines are not particularly important, you can either list then as a line item with no experience description, or you can get rid of them entirely. But you should definitely have your experience from at least the last two years listed, as well as anything relevant to business/finance.


"Yeah, I guess the entire report is probably false because of that. What you're saying is applicable to the renewable industry too. There's all kinds of other investments made on behalf of renewables that aren't calculated into dollar amounts. Most obviously is the money that never even hits the books by subsidizing through consumer/corporate tax breaks.  For example: the company you work for more than likely has a recycling program. It doesn't make money because it's not profitable to recycle anything but aluminum, but if they didn't have the program they would get penalized (not directly necessarily but would lose out on ""green"" initiative funding).   The rest of what you are saying is as intangible as the first thing. If you think solar panels on your roof is going to keep the military out of other countries, you're clinical. And if you can't notice a correlation between the total lack of production coupled with the massive amounts of money being wasted then there's no discussion to be had.   By the by, that article has no citations and the link to any additional sourcing is broken."


nope, wouldn't. it's probably true. it would be a stereotype. like saying black people like chicken. is it racism if 98% of my black employees eat chicken every day or talk about how much they love chicken?   it's like saying Italian employees are lazy, if I hire 1,000 people and 50% are italian and they're generally always slower than the other 50% how is this racism?   if I don't want to hire women between 20-28 because I'd very likely end up having to pay for 12+ month for an employee that isn't at work, is it sexism not to hire?   women tend to gossip, that isn't sexism that is a fact. you know it, I know it, your girlfriend knows it, but because it's a public discussion point it is now sexist.   I can just say out of my experience the probability that a women brings a bad vibe into the office caused by drama or gossip is incredible higher than a man. am I sexist now? I don't think so, I'd still hire women, I just focus more on specific character features than in the past. similar as googles HR would focus on problem solving skills.  I say this out loud because it might be sexist in the public eye but everybody knows it's true in the majority of cases.  I have female employees and I value them as much as my male employees. doesn't mean I can randomly hire people.


"If your sole proprietorship losses exceed all other sources of taxable income, then you have what's called a Net Operating Loss (NOL). You will have the option to ""carry back"" and amend a return you filed in the last 2 years where you owed tax, or you can ""carry forward"" the losses and decrease your taxes in a future year, up to 20 years in the future. For more information see the IRS links for NOL. Note: it's important to make sure you file the NOL correctly so I'd advise speaking with an accountant. (Especially if the loss is greater than the cost of the accountant...)"


I agree with this. I like to buy stocks that are priced low according to value investing principles but set limits to sell if the stock happens to get priced at a point that exceeds X% annualized return, for instance 15% or 30% depending on preference. If the price goes up, I cash out and find the next best value stock and repeat. If the price does not go up, then I hold it which is fine because I only buy what I'm comfortable with holding for the long term. I tend to prefer stocks that have a dividend yield in the 2-6% range so I can keep earning a return.  Also I too like the look of MCD.  GE looks good as well, from this perspective.


My two-cents, read your plan document or Summary Plan Description. The availability of in-service withdrawals will vary by document. Moreover, many plans, especially those compliant with 404(c) of ERISA will allow for individual brokerage accounts. This is common for smaller plans. If so, you can request to direct your own investments in your own account. You will likely have to pay any associated fees. Resources: work as actuary at a TPA firm


The principle of demand-supply law will not work if spoofing (or layering, fake order) is implemented. However, spoofing stocks is an illegal criminal practice  monitored by SEC. In stock market, aggressive buyer are willing to pay for a higher ask price pushing the price higher even if ask size is considerably larger than bid size, especially when high growth potential with time is expected. Larger bids may attract more buyers, further perpetuating a price increase (positive pile-on effect). Aggressive sellers are willing to accept a lower bid price pushing the price lower even if ask size is considerably smaller than bid size, when a negative situation is expected. Larger asks may attract more sellers, further perpetuating a price fall (negative pile-on effect).  Moreover, seller and buyers considers not only price but also size of shares in their decision-making process, along with marker order and/or limit order. Unlike limit order, market order is not recorded in bid/ask size. Market order, but not limit order, immediately affects the price direction. Thus, ask/bid sizes alone do not give enough information on price direction. If stocks are being sold continuously at the bid price, this could be the beginning of a downward trend; if stocks are being sold continuously at the ask price, this could be the beginning of a upward trend.  This is because ask price is always higher than bid price. In all the cases, both buyers and sellers hope to make a profit in a long-term and short-term view


I'm not saying that I have a problem with public transportation, I'm saying that it makes sense for the government to be investing in it. I'm saying that they should be putting more money into improving it. My whole point was that when there's a service that isn't necessarily profitable the government should be putting money toward it so that the public good is the focus.


Cograts on eating better but Don't let that documentary scare you too much. All the studies they have done were prospectice cohort corolation based studies. Meaning they asked someone what that ate that day in a survey then 10 years later they look at their health. If they gained weight or got diabetes they then corolate that outcome with the food they ate 10 years ago. It's a terrible way to conduct experiments. This is why saturated fat was linked to heart disease for the past 30 years but now their realizing it's actually not a main cause at all and it's more due to the surgar and corn syrup in our diets. But sad part it the U.S.D.A makes money selling corn and sugar so they won't admit it even though the new research is clear. I'm an RD and exercise physiologist getting my PHD atm. Eating healthy is simple eat fruits and Vegis with the least amount of chemicals and eat grass fed meat and limit grain intake.


I predict that WP7 and eventually 8 will fill the hole that RIM is leaving this coming year, largely in part due to Nokia and their ability to deliver really nice handsets and market to Europe.  RIM has nothing to compete with in 2012 until their BB10 phones come out, but I think it will be far too late to stem the decline.  By then we'll have Windows 8 tablets, WP8, a very mature Android market and the iPad 3/iPhone 5.


I wrote a detailed answer about variable annuities on another question, but I want to include one specific situation where a variable annuity may be the right course of action. (For the sake of simplicity, I'm quoting directly from that answer): Three-quarters of US states protect variable annuity assets from creditors. Regular IRA's don't benefit from protection under the Employee Retirement Income Security Act (ERISA) and may therefore be more vulnerable to creditors. If you're a potential target for lawsuits, e.g. a doctor worried about medical malpractice suits, variable annuities may be an option for you. As always, you should consult a legal/tax professional to see if this might be a good option for you to consider. The SEC also has a fantastic publication on variable annuities that provides a great deal of information. It's not directly related to this question because it doesn't necessarily focus on the circumstances in which they might be a good fit for you, but it's educational nevertheless and should give you more than enough information to properly evaluate any policy you're looking to buy.


"This is the best tl;dr I could make, [original](http://www.nber.org/papers/w18586) reduced by 67%. (I'm a bot) ***** > NBER Working Paper No. 18586Issued in December 2012NBER Program(s): ED LS PE. We show that the vast majority of very high-achieving students who are low-income do not apply to any selective college or university.  > We separate the low-income, high-achieving students into those whose application behavior is similar to that of their high-income counterparts and those whose apply to no selective institutions.  > In contrast to the achievement-typical students, the income-typical students come from districts too small to support selective public high schools, are not in a critical mass of fellow high achievers, and are unlikely to encounter a teacher or schoolmate from an older cohort who attended a selective college.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ocl9d/the_missing_oneoffs_the_hidden_supply_of/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~170965 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*: **students**^#1 **college**^#2 **selective**^#3 **apply**^#4 **low-income**^#5"


The card you have is one where you had to deposit an amount equivelent to your card limit -a secured limit credit card.  Capital One is one if the primary cards of this type. The typical rules of credit card usage and building your credit, do not apply.  So, yes, you want to use the card as much as possible and pay off your balance as often as is necessary to keep your limit freed up. You can actually pay the full balance plus 10%, and gain a little extra limit. Use your card as much as possible and call them and ask for a limit increase every three months.  usually about 4 - 5 months in, they will increase your limit and do so without asking for a corresponding security deposit.  This is really cool, because it means you are becoming credit-worthy. I know so much about this because I applied for this card for my son and am helping him in his attempt to repair his credit.  His score increased by almost 200 points last year.


The legal services rendered by Sarasota Short Sale Attorney  include helping the client put together the short sale application package, monitoring the progression of the application, negotiating terms, analyzing counter offers or any response from the bank, and the ability to close on the short sale and to be the closing agent.


You're not subject to the US tax laws, and since the income is not US-sourced, it is not subject to withholding. Your employer doesn't need any form, but if they insist - you can provide them a W8-BEN to certify your non-resident status. Keep in mind that if you do come to the US, the money you earn while in the US is US-sourced and subject to the US taxes and withholding, even if you're non-resident.


Another thing to keep in mind is the fact that maintence CapEx is viewed as required cash spend in order to *maintain* the business at its current levels, whereas as expansionary CapEx is viewed as voluntary. If I were to value your Company I would want to know how well it cash flows as is given that whatever voluntary growth CapEx investments current management is making may not apply to my plan for the company if I were to purchase it.  Secondly, often times expansionary CapEx is funded through credit facilities, and thus from a credit perspective it is helpful to break out maintenance capex and growth capex when determining certain credit metrics, such as a Fixed Charge Coverage Ratio.


The best solution I've been able to find for this is MoneyWiz, where both are logged into the same sync account.


Poke around in r/google and then tell me I'm wrong. ;)  Try to say something negative in even most lighthearted way in that sub, and watch yourself get showered with a brigade of downvotes, faster than you can say 'Eric Schmidit'.  EDIT: Lol, downvoted already. They must have 'heard' me.


"Years ago, a coworker bragged to me how his ""tax guy"" got him a huge refund. I told him my goal was to owe a couple thousand dollars, and that I'm glad I didn't have his guy.  In the end, your return should reflect the truth, and a good tax guy will be little better than good tax software. The bottom line is that a refund is money you lend the government, interest free. If you can owe a bit of money but avoid paying a penalty, you'll have gotten a free loan from Uncle Sam.  Given the fact that most (it seems that way, someone tell me if I'm wrong) families carry some balance on their credit cards, they are paying out 12% or more on their highest interest debt. Lending the government even $1000 for the year comes at a cost, if you file in time to get your refund by the end of March, that's an average 9 months you are out your money. 12%/yr is $90. Scale that up to $3000, the average refund, and the max 24% rate I've seen, $540 lost.  Better to adjust your withholding, and get the extra money each paycheck to pay off other debt.  Obviously, for those with no debt, their cost is minimal, perhaps 1%, but still better in your pocket for the year.  If you pay in this money every paycheck, only to feel good getting it back every March or April, while paying 18% card interest every month, that's your choice. And Stevej will support that decision, or so it seems.  EDIT - The Huffpost article Steve linked titled ""Big Tax Refunds Really Are Good"" ignores this debt, only focusing on the near zero rate banks offer now. The article listed 8 reasons the author felt this way. By the way, the author is the ""Chief Tax Officer, Jackson Hewitt Tax Service Inc"" which makes him a bit less than a disinterested third party. And all 8 of his reasons are far from compelling. ""In my opinion, getting a $3,000 check is never a bad thing."" This was #1, and by now you know why I disagree. Next, ""More than 75 percent of all individual taxpayers get refunds year after year. It has been this way for decades.... It is unlikely that 75 percent of all taxpayers are all making bad financial decisions every year."" That's enough. Rhetorical nonsense. Read the rest for yourself and decide if the next 6 reasons are any more compelling.  Keep in mind, sellers of tax software or services have backed themselves into a corner with the ""largest refund"" claims. I'm sympathetic to the fact that ""we'll shoot for no refund at all, in fact, our goal is for you to owe just $100"" will not be their next campaign.   EDIT 2 - I gave this more thought as I started to write a near 1000 word post on this topic. I came to find that 1 in 4 employees did not deposit enough in their 401(k) to capture the full match. This is the highest lost opportunity as the potential return is an instant 100% for matched deposits. Again, it's easy to dismiss the near zero bank rates, but that's not the alternative best use for the money."


"Do not store credit cards on your servers! You will get into HUGE trouble if they get stolen.  Instead, the whole credit card transaction should be done in a ""frame"" on a web that is handle by a credit card processor you chose. Once the transaction is finished, you get a code for the credit card number (masked credit card number) that no-one can convert back to a credit card number (except the processor).  When you need to charge more or give refund, you use that code to tell the processor what credit card to make the charges/credits to."


Maybe so, that doesn't mean every new person is like that.   I personally signed up to yelp to write a review.  A national grocery store chain I visited for the first time, and thought it would be a good objective experience to write.  I had a bad experience at the store, and described in detail the things why I felt that way.  I also sent it to the store themselves, but decided to put it on Yelp also.  I went back a few weeks later to see if anyone replied, and I see there is a new review there, saying how great the store was, while my review was gone.  This was months ago, maybe even more than a year.  I just went onto Yelp to see if they approved my review back, nope still hidden.  Ok, found the review in my own profile, I posted it on 6/28/2011.   I've read stories from businesses and consumers alike for years on how they swindle the reviews, and I also experienced it personally.  Why would i want to be a regular user when they behave like shit?  Fuck yelp.


"Have you thought about consulting your optometrist about a special pair of glasses for your nipples? I ask because it's pretty obvious you aren't getting a very clear view of things, and I bet custom frames are probably less work than pulling your head out of your ass when it's that far up there.  You may as well substitute ""alcohol"" for ""marijuana"" for everything you just said, because it's the somewhat more socially acceptable version of being so incredibly wrong."


Most soccer balls are made of blends of polyurethane, polyvinyl chloride, and common rubber or nylon. We provide the best soccer balls all branded companies in the world. At our website, you can search Best 10 soccer balls. We will provide all balls at an affordable price.The best and most expensive PU balls feel like leather and are very firm, durable and water-resistant. The PVC balls are also very durable but are not as soft and responsive as the PU-blend balls.


WHAT? That is just no true. I lived in Philadelphia, London and Brussels and I can tell you, the prices were almost double in Philly for groceries store. Even at Wallmart, I wont talk about Trader Joe, Whole Foods, acme...


Actually, with at least 95% confidence, they did not overlook any better qualified person for this job.  Because they did not even look for a qualified person.   She got the job because someone knows her or she knows someone.  Worse: any qualified Security person who worked for her would be demoralized by her lack of talent. So my guess is that the whole Security department at Equifax is full of people with little talent. She probably will get rid of anyone in the department who challenged her... like any real boss.


"Even if your employer decides not to include the HSA contributions in Box 12, the IRS will still be informed how much went into your HSA when the form 5498-SA gets filed. So you don't need to worry about the IRS; they'll get the information they want.  As for you, if you already know how much the ""employer contributions"" (both what the employer contributed and what you contributed through payroll deduction) were, and you know how much you contributed directly, then once you get your form 1099-SA you'll have all the information you need to complete your tax return."


I've found Pragmatic Capitalism very helpful.


As someone who worked for the federal government when they were hacked, and 23 million people had their ssn, private info, background checks, fingerprints and even secrets that someone could try to blackmail you for released. You guys are lucky, I can't make a new fingerprint for both hands and all fingers!  Yeah all of that information is likely in the hands of some hacker group or foreign government. Its shocking at first, but nothing has come of it so far in terms of actually ruining peoples lives (at least released to the public).


You need to look at the financial statements, talking to the executives, and have some sort of discussion about price.  Then you would have to do due-diligence to make sure that they are not hiding stuff.  Bear in mind, the company isn't going to go through all of this unless you can convince them that you have the means to complete the transaction.


What i saw in the ad is a promise to help people with phone addiction issues. But :   Do enough people want(consciously or subconsciously) help with this problem or they enjoy it? and does the phone really fulfills this promise ?  If the answers are positive , it would  be a good ad.


"Loads may be widespread but they are absolutely not an ""industry standard"".  Almost every major provider of mutual funds has ""no load"" funds. I'm sure your bank wants you to buy the funds with front loads, but they can't force you to buy those funds (unless you sign such a disclaimer when you open the account). What your bank can do is charge their own transaction fees for ""third-party"" funds, and those may end up being as much as or more than the funds' own loads. I don't know which bank you have, but many banks have their own mutual funds that have no loads or other transaction fees.  Essentially you can rearrange your portfolio however you want (within reason) at no cost as long as you buy and sell their funds exclusively.  But of course every bank is different, and in many cases those funds will perform poorly compared to investment companies like Vanguard.  Of course every mutual fund must report its performance so you can always check that yourself. If your bank refuses to let you buy any no-load mutual funds (even ones that they run themselves) and/or wants to charge you steep transaction fees in order to discourage buying them, then may I suggest a different bank? FYI, mutual funds generally ""make their money"" on management fees.  If a fund advertises a load but a particularly low management fee, it may actually be worth buying compared to another fund with no load and a high management fee, if you don't expect to be buying and selling frequently.  On the other hand, if a fund has a high management fee and a high load, it's probably garbage."


With your experience, I think you'd agree that trading over a standardized, regulated exchange is much more practical with the amount of capital you plan to trade with. That said, I'd highly advise you to consider FX futures at CME, cause spot forex at the bucket shops will give you a ton of avoidable operational risks.


"Not just executives, there's going to be giant finance, HR, etc functions for these chains. There's also a massive advertisement budget to pay for (remember, every time you see an ad for something, it's priced into that product). Finally, chains are frequently ""victims"" of leveraged buyouts/takeovers and thus have a metric fuckton of debt to pay off."


"GSElevator is part fraud, part satirist and has never worked at Goldman. None of the ""quotes"" used in his article were ever said by anyone. His pieces are sometimes good for a laugh but if you're taking this article as actual advice you clearly do not work in the industry.   I stopped paying attention as soon as he recommended analysts wear $700 shoes ..."


"I have a quick question about statement of cash flows and how Account Receivable (Net) and Prepaids affect it (I've already asked the accounting subreddit but was wondering if anyone who does fundamental analysis etc would have a take on it).   It stems from a homework problem where I have to reconstruct a cash flow statement using two comparative balance sheets (end of period 2013 and end of period 2014) and a change in retained earnings statement.  The following transaction took place in 2014   ""The firm wrote off accounts receivable as uncollectible totaling $16,300 in 2013 and $18,500 in 2014. It recognized expired insurance of $4,100 in 2013 and $3,900 in 2014.""  My understanding is that the write offs have already been subtracted in order to yield Account Receivable (Net) and therefore I can just take the change in that account and make the appropriate entry.  For the recognition of expired insurance I can simply take the change in the Prepayment account and record the appropriate cash flow entry.  Am I correct in assuming this? Or did they give me those amounts in order to figure out Accounts Receivable (Gross) and take the change in that?"


There are no immediate tax-related benefits to putting money into a Roth IRA. You are investing after-tax money in the hope that the rules won't change and you'll be able to take out the money tax-free when you retire. Under current rules, you can take out your contributions at any time without penalties or taxes. You can't take out earnings without penalties until you retire. You said you don't have any debt (great!). So if you have cash that you don't have other uses for, and you don't mind possibly tying it up for a long time, you can put money into a Roth IRA. I'd argue that if you have, say, $25-50/month to put into long term savings, it's a good habit to start. When you move into a job that gives you more disposable income, you can increase this amount. The earlier you start, the lower the monthly amount you'll need to contribute towards a comfortable retirement. Once you get started putting a little bit away, you'll never miss it.


> I don't agree we can assume a government will be the solution...  I am totally open to something else but see no other options.  Corporate America has sold the American people on the idea that empowering them is to our benefit so there will be no popular uprising.


I believe your question is based on a false premise. First, no broker, that I know of, provides an RRSP account that is a margin account. RRSP accounts follow cash settlement rules.  If you don't have the cash available, you can't buy a stock.  You can't borrow money from your broker within your RRSP. If you want to borrow money to invest in your RRSP, you must borrow outside from another source, and make a contribution to your RRSP.  And, if you do this, the loan interest is not considered tax deductible. In order for investment loan interest to be tax deductible, you'd need to invest outside of a registered type of account, e.g. using a regular non-tax-sheltered account. Even then, what you can deduct may be limited. Refer to CRA - Line 221 - Carrying charges and interest expenses: You can claim the following carrying charges and interest [...] [...]   You cannot deduct on line 221 any of the following amounts:


GET A LAWYER. Doing business with relatives is business first, and some effort spent in setting things up and nailing down exactly what the financial relationships and obligations are beforehand can save a lot of agony and animosity later. Assuming it's a legal rental, you may be able to deduct business costs spent on maintaining the rental unit, but of course you will have to declare the rent as income. If it's just a bedroom suite, rather than a full legal apartment, I don't think you can claim it as rental. (Note that whether you decide to share cooking and such is a separate question; apartment in most areas requires its own kitchen and bathroom.) As Joe pointed out, the actual purchase also sounds like it's going to involve a large gift, which has its own tax implications. Either that, or they retain ownership of their share and you get to deal with that if you or they decide to sell.  Again: GET A LAWYER. And a tax accountant or tax lawyer to advise you on those implications. This is not someplace where the average wisdom of the Internet should be relied upon except for generalities; local laws and contract details matter.


From Dimson, Elroy, Paul Marsh, and Mike Staunton. Triumph of the Optimists: 101 Years of Global Investment Returns. Princeton, N.J: Princeton University Press, 2002: Disappointingly, the small firm effect has not proved the road to   great riches since soon after its discovery, the US size premium went   into reverse. This was repeated in the United Kingdom and virtually   all other markets around the world. Despite their disappointing performance in recent years, the very   long-run record of small-caps remains one of outperformance in both   the United States and the United Kingdom. Furthermore, mid- and   small-size companies are still an important asset class. Their   differential performance over long periods of history shows that there   is useful scope for investors to reduce risk by diversifying across   the “large” and the “small” capitalization sectors of the market.   Furthermore, given the pervasiveness of the size effect across the   entire size spectrum, it is important to all investors since the   size tilt of any portfolio will strongly influence its short- and   long-run performance. This holds true whether there is a size premium   or a size discount. The size effect has certainly proved persistent   and robust. What is at issue is whether we should continue to expect a   size premium over the longer haul. And accompanying charts:    And one chart from BlackRock:


">What's the difference between inheritance and being born with money?  Just because someone is born into a rich family, does NOT necessarily mean they will inherit the wealth.  Many things can happen along the way between their birth and potential inheritance, everything from the family elders blowing the money, or making bad investments, to divorces/lawsuits, elders being pissed and just disinheriting their heirs, etc.  And then of course, just because one reached the point of inheritance, does not guarantee that the money will last.  Plenty of ""spoiled rich kids"" end up being impoverished by the end of their life."


I don't want to argue any, either, I'll just reiterate what I was originally trying to get at:   Your boss/owner/manager is dependant on you creating enough value to pay their paycheck as well.  Managers do not directly create value for the company.  They might bring in deals, they might 'know' someone, etc.  but in the end, workers make the product.  If a worker leaves, they'll just have to get another one, or that value ceases.  Taken to the extreme, they'd be a company of bosses & managers, and no work at all being done.  (but plenty of TPS reports done with the correct cover sheets.)


You can take a out loan against your 401k, which means you won't be penalized for the withdrawal. You will have to pay that amount back though, but it can help since the interest will be lower than a lot of credit card rates. You could refinance your home if you can get a reasonable interest rate. You could also get a 0% APR balance transfer credit card and transfer the balance and pay it off that way. There are a lot of options. I would  contact a Credit Counselor and explore further options. The main objective is to get you out of debt, not put you more in debt - whether that is refinancing your mortgage, cashing in an annuity, etc.


Herd immunity is just another bullshit soundbite from Big Pharma marketing trying to scare you into legislating a massive increase in their market share.  If you are vaccinated, you are immune... unless your vaccines are crap. This is why we sent kids to play with the kids with chickenpox--to acquire immunity. And why kids (and adults) who already had chickenpox don't fear catching it again.


Do you eat out much or go to coffee shops?  I add portions of my excess spare change to the tips/tip jars.  I make it a bit over the usual percentage to make up for the fact that it's, well, spare change...


">There was a good quote in the article about how Google, Apple and Amazon combined employ fewer than 1/3 the people that GM did in 1980.  Yeah, that was from [the Economist](http://www.economist.com/blogs/freeexchange/2011/10/death-steve-jobs?page=1)  First, that is only a total of their DIRECT employees (numbers from Wikipedia on each company):  * Amazon = 33,700 * Apple = 60,400 * Facebook = 3,000 * Google = 31,353  So, that is NOT including *indirect* employees, including any and all subcontractors... to wit:  * Amazon -- sells lots of stuff, but lets just think of the BOOKS alone: there are LOTS of authors, publishers, printing industry people, etc -- who are NOT direct employees of Amazon, nor even indirect ""contract""  employees; but whom Amazon's business model has doubtless helped to increase TOTAL sales of their products. (And then of course, there are all of the Amazon ""affiliates"".)  * Apple -- sells stuff, but basically no longer manufactures anything at all (so comparing it to GM would only be valid if one looked ONLY at GM's engineering and sales personnel, and ignored it's manufacturing people, or if GM had likewise ""subcontracted"" all of its manufacturing to say Toyota); just about everything that Apple sells is made by subcontract overseas manufacturers -- like FoxConn (which employed over 900,000 people in China in 2010); and of course that is NOT including the component manufacturers.  And of course, this is also ignoring the entire software industry that has built up around Apple's products (Mac and iApp developers).  * Facebook & Google -- likewise, there are a lot of ""indirect"" non-employees who nonetheless are in many senses laboring for these companies AND be compensated by them (whether App developers, affiliates, etc).  **I find it VERY notable that *theEconomist* entirely ignored firms like MicroSoft (92,000+ direct employees) and dozens & even hundreds of others software companies like Adobe Systems (9,000+), etc -- not to mention countless thousands of consulting companies.**  At it's absolute PEAK employment in 1970, GM had a little under 400,000 employees.  If you add in Microsoft, Adobe, and a handful of CAD software companies, then ""high tech"" employs at least that number. Add in the (domestic) sub-contract employees, the consultants, affiliates, and on... and they employ far MORE people (even domestically) than not only GM, but GM + Ford + Chrysler combined.  Add in the worldwide employment, and there is no comparison at all.\*  And even then, all of it is beside the point.  Yes, you cannot ""eat"" software or an iPod... but likewise you cannot ""eat"" a car.  What is chiefly critical is whether a nation can FEED itself, and the US production of foodstuffs has never been higher, nor -- on a long term comparison basis -- have food or energy costs ever been lower (even with all of the disastrous effects of monetary inflation).  \*What the US's current problem is, is DOMESTIC employment -- and that is mainly a result of various TRADE, MONETARY and TAXATION policies -- it certainly isn't the direct fault of private industry (and definitely not the fault of ""technology"").  I mean good god, how many times does the Luddite meme need to be proven false."


Consider the price history to be the sum of short term movements and long term movements. If you hold a stock for a long time you will benefit (or lose) from its long term movement.  If a sufficiently large and very good short term trader existed he would tend to reduce short term volatility, eventually to nearly zero. At that point, the price would rise gently over the course of the day in line with the long term variation in price. Presumably robot traders will increase the time horizon of their trades when they have exhausted the gains they can make from short term trades.


Disvestment activities tend to be misguided. In doing so, a fund/individual is not really taking money away from the companies in question (assuming they're not doing secondary offerings), and 'disvestment' doesn't imply that you're going to be using their products less (or boycotting them entirely), which would actually impact their financials. And in a convoluted way, disvestment could actually trigger further consolidation among coal companies, since it makes them cheaper and thus easier takeover targets.   Funds that have the ability to do so should make 2nd & 3rd round VC investments in clean energy startups. It's been awfully difficult for clean energy startups to raise money lately, and funding those startups would have a lot more impact.


As a parent with a 4 yr old, it's not my reason. I want him to build something with his hands. Spend $50 on a Lego kit and what do you get? A tiny set of very specific parts for one build. Or I can spend that money on some other construction toy for half the price (blocks, Lincoln logs, train set) and you have similar enjoyment.


I recommend an online savings account.   The money is more liquid without early withdrawal fees and frequently you can get a visa/mastercard check card to access the funds. Looking at interest rates, ING is currently paying 1.10% and bankrate reports the best interest rate in the country on a 1 year CD is 1.33%.   The .23% difference is not enough to convince me to invest in CDs at a fixed rate vs. an online savings account at a variable rate when we are at (or near) the bottom of CD/savings interest rates.


"First, don't try to understand other people's finances. Family or a trust could provide the minimum down payment, or even large chunk of the price, leaving them with a small/manageable monthly mortgage.  More importantly, HGTV home buying shows are fake. Buyers don't actually buy, other people touring are just locals/ friends, and the entire plot is literally a written script.   Source: My best friend had 3 of his listings on one of the shows as the house options, and our friends were the ""other buyers"" on the tour."


From an investor's standpoint, if the value of crude oil increases, economies that are oil dependent become more favourable (oil companies will be more profitable).  Therefore, investors will find that country's currency more attractive in the foreign exchange market.


You should use the Gordon Growth model, but you are using the wrong rate.  required return = rf + market premium x Beta  rm = 0,12, premium = 0,08 --> rf = 0,04 thus rr = 0.04 + 0.08 * 1.5 = 0.16  then you get $15/(0.16-0.05) = $136,36


It depends on the currency pair since it is much harder to move a liquid market like Fiber (EURUSD) or Cable (GBPUSD) than it is to move illiquid markets such as USDTRY, however, it will mostly be big banks and big hedge funds adjusting their positions or speculating (not just on the currency or market making but also speculating in foreign instruments). I once was involved in a one-off USD 56 million FX trade without which the hedge fund could not trade as its subscriptions were in a different currency to the fund currency. Although it was big by their standards it was small compared with the volumes we expected from other clients.  Governments and big companies who need to pay costs in a foreign currency or receive income in one will also do this but less frequently and will almost always do this through a nominated bank (in the case of large firms).  Because they need the foreign currency immediately; if you've ever tried to pay a bill in the US denominated in Dollars using Euros you'll know that they aren't widely accepted. So if I need to pay a large bill to a supplier in Dollars and all I have is Euros I may move the market. Similarly if I am trying to buy a large number of shares in a US company and all I have is Euros I'll lose the opportunity.


Call them back and insist on speaking only with a supervisor and politely ask for their License Number and NAIC Number. When asked why reply that you are going to contact your state's insurance division and find out what recourse, if any, you might have. Merely asking for the numbers will let them know that you intend to escalate this matter; chances are that yet another supervisor will be required to rectify this situation. Companies DO NOT empower the initial representatives to resolve serious issues. It can be a tortuous path to a resolution but you must persevere. It is difficult to remove yourself and be objective but your anger will defeat you. Your agent should be on your side.


Both Amazon and Ebay do this, raise the bar significantly over time to weed out crap sellers that are all competing on the same products. So instead of 10 sellers on a product, you have 5 with the highest ratings possible.


im in no position to guess what would happen. rather than sitting in any particular sub,  i just usually keep hitting refresh on /r/all/new and see what catches my eye..   or in this case.. what doesnt.. :)  i cant see it being phased out tomorrow though, or anytime in the near future, as far as economics of it all go, its my guess its all manipulated by the mega wealthy anyway..   we are all stuffed regardless..    i know theres a lot of oil in the ME that the west wants.. thats why we have wars..  https://www.youtube.com/watch?v=5hfEBupAeo4 if there was an alternative to oil, so long as we all had ~~free~~ access to it, id think there would be no need for war, and instead of the global budget spent on militaries,, we could use it to feed the hungry, shelter the homeless.. i think we would all prosper :)


Yup. I scrutinize the income statement I receive from my employer every year. What I make vs what the company actually invests in me as an employee is really astounding. Beyond my hourly wage, the company pays for my health insurance premium (all but $10/check), and pays for a medical flex-spending account. On top of this (I know this isn't taxes but it's still an expense and government sanctioned) if I do some dumbass thing to get myself hurt at work, they'd pay all medical bills since it happened on their property.   We recently had a bit of a wake-up call this summer, as the board of directors warned everyone that the current medical plan our company provides to us is not sustainable, and will have to undergo changes (we're going to either start paying for our premiums, decrease our flex accounts, or charge smokers additional fees) beginning Jan 1st. Lots of people are complaining about this. I don't think they're aware of the horde of expenses and fees that the company swallows for them in other ways.  There's property taxes, business income taxes, excise taxes, customs/duty taxes, state taxes... along with meeting the restrictions and standards of certain governmental agencies (like OSHA). I don't know how a small business owner could ever maintain control over all of this financial mess and be able to help their customers or other employees.   There's OSHA, a profit-seeking (through citations) business now, instead of a partner and ally to businesses. A typical 'violation' is $70K, and a 'repeat' violation is $140K. Imagine running a small grocery store, and having to pay this fine because you accidentally had a piece of styrofoam lying on top of a cooler not built to withstand overhead weight. Or because someone wasn't wearing safety shoes in the store. You'd simply go out of business.


Better solution would be petitioning the bands to play the venues that don't run through ticketmaster, but that doesn't work for any bands with a remotely large following. Not buying the tickets isn't going to do anything, especially with sold out shows (someone else will grab your ticket).


Notes and Bonds sell at par (1.0). When rates go up, their value goes down. When rates go down, their value goes up. As an individual investor, you really don't have any business buying individual bonds unless you are holding them to maturity. Buy a short-duration bond fund or ETF.


From your own cite:  > Sales were offset by China increasing its holdings   But it's an article from March.  From the same source, but in June:  > [Global investors have piled into US government bonds this year, drawn by the allure of high yields.](http://www.ft.com/intl/cms/s/0/6907c2a0-f24a-11e3-ac7a-00144feabdc0.html#axzz3AlhYHl8A)  > At a time when the Federal Reserve has steadily reduced bond purchases since January and announced a further reduction at Wednesday’s policy meeting, foreign buyers have effectively stepped up, followed by domestic banks.


His company bought and sold businesses. The businesses themselves were the product. Of course they were speculating. Every single business speculates on the demand of their product. It is different from a typical store, but its still business.    Private equity and the business of flipping, stripping and sometimes holding businesses isn't new or unique to Mr. Romney. Its not easy, like this article tries to portray, and IMO takes a greater business person to run and be successful in than a typical business. Experience: I worked for a private equity group for a short period of time during the boom. It was scary and extremely stressful. There are games, cronyism, and inside information like there is in any business. Bigger scale with many jobs at stake and huge gains and losses? Yes. But simple and not business? No way.   I don't like Romney or Obama. I like an honest candidate, so I don't really like any of them. Ever.


Why not personal responsibility? Get paid *then* provide the service. It's what small business owners do every day without the help of government or the protection of a large corporation. Individuals comply with safety regulations to protect themselves. If you need a corporation to do it for you, expect to make less. If you can do it yourself, expect to make more as an entrepreneur.


not really, just coming up with shit to say, i like to maintain a bit of the thread one way or another and it was all too easy there.   If being cyclical or recursive keeps it going then off we go!


As others have already pointed out, the bank isn't getting your money upfront - the cash goes to the dealer and the bank will be financing you a much smaller amount. They really don't have any incentive to give you a better interest rate, but it never hurts to ask. The more important (and unasked) question is should you do this? Keeping in mind that a loan with good credit could be in the 1.8% range. Average long-term returns in the market are over 3x that, so by paying upfront you're trading the opportunity for 6%+ returns for the ability to save -2% fees.


"I think the closest you can come is to buy health insurance, which had the company's bet on trends in healthcare costs already built into it. But as you've posed the question, I agree that the answer is ""no"" -- at best you might find someone willing to give you short odds that the rate increases over 20% or long odds that it doesn't go up at all, or something of that sort... and that isn't a bet the markets are designed to handle."


I agree with you for the most part, but banks need *some* way of comparing the relative risk of various loan applicants; forcing them to use TweedleDee over TweedleDum is really failing to see the forest for the trees.   Equifax is *not* the problem here.  The fact that that entire *industry* is allowed to exist without our explicit permission, *is* the problem.


Dear Iran, what our Moron in Chief is trying to tell you is that you need to get a nuclear weapon as soon as possible.  The Jews are never going to to shut the fuck up, they will keep on and on and on until they some how manage to cause a war and then our Fearless Moron will not be able to protect you.  As it is the Jews have forced the US to pull out of the UN, they control the US government, they control the US economy, they even control the Royal Retards Daughter, so there is only so much he can do, and this is his final warning  Protect yourself, eventually, the Jews will deliver some fake evidence or story, just like in Iraq and the poor Goy US army will have no choice but to attack you, Unless you have a   #BIG BAD NUKE POINTED AT ISRAEL  that will shut them the fuck up


This is a letter by a mother two her loving twin daughter. At the age of 3 her father was died and in this letter her mother shows a book of letter in which her dad’s family, friends and co-worker share their stories about him. Now her twins are 16 year old, she tells about her stepfather who is as loveable as her father.


It's not fucking rocket science. You cut taxes at the high income brackets, and it helps people in higher income bracket. Is this what counts for journalism these days?  I wish I could get my time back for reading this article.


Good on him.  From time to time I hire (project-based) programmers, writers, designers - and nobody works for free for me, never has and never will.  I don't work for free, either. Where do these people come from, the US antebellum South?  The thing here is that he didn't cop a 'tude right away, he gave the other the benefit of the doubt, and still acted gracefully even when the other got abusive.  10/10 would hire.  Seriously.


Is this an unusual amount to pay for refinancing a home loan? Yes, I would say it seems pretty high.  Although credit unions usually have pretty good deals, I would shop around a bit. Is refinancing not worth it if you might move in the next year or two? Totally not worth it if you'll be moving in a year or two.  You need to think realistically about what you could sell your house for though.  If you bought it 4 years ago, it's likely gone down in value significantly (depending on your locale).  Are you prepared to take a significant loss to sell?  If not, you might be forced to stick it out for 3-5 years or more.


Australian Goods and Services Tax is charged on the sale amount. Whatever internal accounting you do before billing the customer is of no interest to the Australian Tax Office.


Sounds like you are drowning in debt. Why not just stop paying? It will ruin your credit, but eventually you might be able to settle for much less than you owe and a reasonable interest rate. You will then have a long road to recover you credit, but IMHO this road is much longer and stressful. Hey, you are paying a high interest rate because you are EXPECTED to default. If you were expected to pay back your rates would be lower!


Systems to research that may help you out: Less Accounting and Wave are great because they can import data from banks / credit cards. I know you said your bank doesn't export it but it seems like something as a small business you would want.


But an AI is likely to have fewer resource limitations, because it won't have to evolve and exist as an African primate, we built it. Our intelligence also evolved to best deal with reality as we experience as physical, organic beings throwing spears at one another, something else an AI wouldn't be limited by.


**[Craig Morganson](http://www.askcraigmorganson.com/)** says, the probability is, throughout your life, you’ve sat down at a piano or keyboard and plinked your way around it, musing on how you wished you’d taken the moment to master how to play. You might be unclear by the noticeable differences among keyboards and pianos, and in reality they usually are off putting to rookie players.


There are tax strategies you could take advantage of if you own the property. Find local real estate investors that like 'buy and hold'. Additional strategy is to buy a property and sell it with owner financing (you use a Residential Mortgage Loan Officer to facilitate.) What is great is you can get a great % real return on your money without being a landlord.


Its also going to allow for Russian businesses to grow in to fill certain spaces left vacant by the NATO commerce which could make up for the hit they will take from The US EU sanctions. Hes protecting the economy at the cost of a little comfort.


Such funds are handed over to the state. In NE, like in many states, there is a government website where you can search by your name, find them, and claim them (with proof of your identity, etc.): https://treasurer.nebraska.gov/up/ For sure, the bank cannot just take the money. It is sitting somewhere, the bank just closed the account, meaning they are technically not managing your money anymore.


Most drugs addicted will begin the process of determining which program is best for their needs by deciding addiction treatment. If you are looking Drug and alcohol detox programs in Florida. The World Recovery Centers provide the best recovery program. An individual will develop the problem, and zero family history of addiction does not guarantee that someone will not develop an addiction to have attempted addiction treatment in the past, to struggle with suicidal thoughts or behaviors.


I interned at GS last summer and I am returning fulltime after graduation. In my experience and those I've encountered, it is very much dependent on where, front vs back, in the bank you work. Most software development jobs at GS seem to be 9-5. If you write software in front-office parts of the bank like trading, though, hours generally get worse (but pay is better!).


So hopefully you are not spending the money before you make it.  If you are, you are asking for trouble.  If not the solution is easy. If you use a spreadsheet for tracking have a item in your checking account running total that is simply CC to pay.   Lets say you just got paid, and your balance is like this: You can then do virtual withdrawals for each category In this case you have 70 left to spend.  Whoops the car gets a flat which costs you 5 that you put on the card and you also pay your rent by CC.  Then your spreadsheet should look like this: You still have the 70 left to spend, and when the CC bill comes due you are free to write the check.


Hey, I'm also a software engineer in Cleveland. There's actually tons to do, but it sounds like you just don't know anyone in your age range/not married. Check out the east bank flats or w 25th in Ohio city. If the bar scene isn't your thing there are still tons of other options so long as you have some type of hobby or activity you like to do for fun.


"Since all the other answers thus far seem to downplay the risk (likelihood) of the money being seized, I figure I may as well make my comment an answer. Unless you happen to have your legal team travelling with you and your suitcase of cash, you should expect that you'll be questioned extensively, so that any sign of nervousness, inconsistency in your answers or anything you say that doesn't ""make sense"" to the officer will be used as an excuse to seize your money, and you'll learn an expensive lesson in civil asset forfeiture. The government will file a complaint against your money, leading to a ridiculously named case, such as United States v. $124,700 in U.S. Currency. Worth noting that while the outcome in this case was not in the government's favor, in the vast majority of cases, the government keeps the cash. Between 9/11 and 2014, U.S police forces have seized over 2.5 billion dollars in cash without search warrants or indictments and returned the money in less than 10% of cases.  That last link is kind of a long read, but contains cases where people with completely legitimate money and documentation for their money had it seized anyway, and were only able to recover it after months or years in court."


"This is the best tl;dr I could make, [original](http://money.cnn.com/2017/10/04/news/economy/india-economy-modi-slowdown/index.html) reduced by 92%. (I'm a bot) ***** > Prime Minister Narendra Modi swept into power in 2014, promising to take India&#039;s economy to new heights.  > India is still reeling from two shocks within 12 months - Modi&#039;s sudden ban last November of 86% of the country&#039;s cash, and a sweeping overhaul of the tax system aimed at turning the country&#039;s 29 states into a single market.  > India&#039;s Supreme Court dealt the economy another blow in April, banning the sale of alcohol within 500 meters of national highways.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/74g10i/india_what_happened_to_modis_promise_of_an/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~222577 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*: **India**^#1 **economy**^#2 **Modi**^#3 **Growth**^#4 **reform**^#5"


> Ohh hahah I was thinking we'd do like a stock options situation if this goes big.  Oh, I was thinking we'd do like a data entry situation if this goes big. You send me $50 and a CSV file every time you want to do anything with the program, and I'll do it.  > Or you could just do it for exposure?  Cool, good deal. I'll send you some screenshots of the GUI so you can work them into your pitch deck or w/e. When you decide you want the actual program, you can pay me.


Make sure you have a budget, there is a pretty cool budget tracker that you can download here (it works in excel and is easy to use).  The important thing is to not only make a budget but also keep in touch and track your budget, some free ebooks and other investment ebooks too.  Just start with the budget tracker: http://www.futureassist.com.au/young-to-mid-life Focus on paying off debt first Next look at ETF's (Exchange Traded Funds) as a possible investment option - this is an Australian Government Website but ETF's all work in the same way:  https://www.moneysmart.gov.au/investing/managed-funds/exchange-traded-funds-etfs


[it was 15 to 1 before the SEC decided that big banks needed to be able to risk more.](http://en.wikipedia.org/wiki/Net_capital_rule)  it also started teh distrust between banks. With 15 to 1 you were pretty sure that another bank you were dealing with was leveraged exactly 15 to 1. WHen he removed that requirement, then banks had a much harder time judging the health of other banks they were dealing with.   you just didnt know if they were 20 to 1 or 30 to 1 or higher, without going through all their books.  This was one of the main reasons the recession was so large in scope. Housing would have exploded eventually, but without the leverage regulations they were able to make it hurt far far far far far far worse.. several times worse.


Either way, letting these humongous institutions fail would have undoubtedly produced a worse result (best case scenario complete credit freeze, i.e no mre credit cards.  Worst case scenario, even the most financially sound banks fail as part of a financial domino effect and we're back to trading deer skin for beaver pelts).  The best way to prevent these kinds of situations is to never get in them in the first place.  Placing graduated capital constraints on larger and larger financial institutions (i.e.  the larger your balance sheet, the greater the percentage of capital you must retain to offset risk) is the best way to protect against financial collapse.  This way competitive market forces would remain intact, while simoutaneosly reducing risk.  Basel 3 addresses some of these issues, but I speculate more will need to be done to prevent another collapse from happening in  the future.


"Will it be more money for me now if I don't take it out? Yes Will it be more money for for my retirement if I do? Yes The difference will be the existence of a match and tax-deferral.  If there is a match then you will have an instant 100% gain on the amount that is matched. From a tax standpoint, putting some in your 401(k) now will reduce your taxes this year - you will instead pay tax when you withdraw the money at retirement (the withdrawal will be considered ""income"" at that time). Other decision points: If there is no match, but you still want to add to retirement savings, then you could alternatively put the money in an IRA, which will give you more control over your investments than a 401(k) (which could be good or bad, depending on how investment savvy you are)."


If the money awarded is sufficient to cover the cost of supporting their software, then you can at the time of entering the contract make a pledge of the money.   However if you need to prove that you have sufficient funds otherwise, you need to ask the organizers what they need, typically a Bank Statement showing the funds may be sufficient in the easiest possible condition, on the other extreme you may need to open an escrow account and deposit the money as safe keeping with the Bank and then produce that letter ... Depending on the country and Bank, certain Banks allow different passowrds for transactions and different for querying, so you can share the query password ...


Putting extra people on their planes is a very low cost for them - basically just a few bucks for extra fuel they'll burn to move another 180 lb human through the air.  To help seal multi-million-dollar deals, it's fine.


"I hate when people say this type of thing. Someone spending $20k on an event is using their residual income, and can most definitely also afford to go on vacations. It's like saying ""I'd never buy a Lamborghini, I'd buy a house instead"". That's nice wishful thinking, but the dude getting a Lambo isn't going to have an issue having a house."


"Currencies such as the dollar, the Euro, and most others are no longer tied to gold in any way. They are just paper that is worth what it's worth because everyone agrees to accept it.  Previously, currencies used to be commonly tied to gold reserves, and could theoretically be ""cashed in"" for gold, although not usually as much as the currency denomination (i.e., gold on the open market tended to sell for higher prices than what the government would give you for it)."


You need the Present Value, not Future Value formula for this. The loan amount or 1000 is paid/received now (not in the future). The formula is $ PMT = PV (r/n)(1+r/n)^{nt} / [(1+r/n)^{nt} - 1] $  See for example http://www.calculatorsoup.com/calculators/financial/loan-calculator.php With PV = 1000, r=0.07, n=12, t=3 we get PMT = 30.877 per month


"Illusions of transparency. Mitigation of risk. Emotion. The system.  Short answer per sdg's post - it's the law. Long answer which I wont get into - it's a philosophical stance. It makes people feel better. It encourages a sense of ""the system really does work."""


Also VW has more brands, i.e. is more diversified This isn't necessarily a good thing for investing.  It makes the company less likely to go down, but it limits your portfolio.  For example, say you think that Hyundai is a good alternative to Volkswagen (VW) but really like Audi.  If you buy VW, you get some Audi but a lot more of the rest of VW.  Then if you bought Hyundai, you'd be overrepresented in that segment of the market.   Audi may not be structured uniquely, but it is still the only company selling Audi brand cars.  Perhaps someone thinks that those models will do well.  That person may think that Audi will do exceptionally well in its niche.   Having many brands isn't necessarily great.  General Motors had something like sixteen brands before declaring bankruptcy.  It only has twelve now.   Now, it sounds like you feel the opposite about it.  You don't particularly like Audi as a stock and like VW better.  Your reasons sound perfectly reasonable (I know little about either company).  It may even be that VW is the only one buying Audi stock, because everyone else has the same view as you.


Use the Black-Scholes formula. If you know the current price, an options strike price, time until expiration, and risk-free interest rate, then knowing the market price of the option will tell you what the market's estimation of the volatility is. This does rely on a few assumptions, such as Gaussian random walk, but those are reasonable assumptions for most stocks. You can also get a list of past stock prices, put them in Excel, and ask Excel to calculate the standard deviation with stdev.s(), but that gives you the past volatility. The market's estimate of future volatility is more relevant.


Have to say, every once in awhile when I'm going to Google maps and I'm in a conversation about it, I say I'm going to mapquest it. They aren't necessarily synonymous with that, but it'd sort of ingrained in me after being born in the 80s and then growing up with that as being my main option in my teens.


That's really not something that can be answered based on the information provided. There are a lot of factors involved: type of income, your wife's tax bracket, the split between Federal and State (if you're in a high bracket in a high income-tax rate State - it may even be more than 50%), etc etc. The fact that your wife didn't withdraw the money is irrelevant. S-Corp is a pass-through entity, i.e.: owners are taxed on the profits based on their personal marginal tax rates, and it doesn't matter what they did with the money. In this case, your wife re-invested it into the corp (used it to pay off corp debts), which adds back to her basis. You really should talk to a tax adviser (EA/CPA licensed in your State) to learn how S-Corps work and how to use them properly. Your wife, actually, as she's the owner.


Thank you for your feedback, I'd asked her all week about communicating to me a date of returning to work but at this point its costing me time and productivity. I cannot not help but feel I am being taken advantage of (because she knows she is killing it). I sent a message letting her know I'm seeking temp help and that if anything opens up in the future I will contact her. Currently on hold with local temp agency. Wanted to be concerned about being considerate but she is 10 years older than I and I couldn't ever image my boyfriend leaving as a reason for me missing a single day of work. Glad to be reassured I wasnt being insensitive.


See the Mortgage Professor's calculators (#3). Go to bankrate and look up rates so you know what to punch in to those calculators.


This is really shallow analysis.  Just because revenues are up does not mean the market is healthy.  This might indicate that a market dominating participant such as Amazon is causing prices to be aggressively driven up.  The real issue isn't so much quaint dead tree versions facing off against e-books, but who is getting the money from this trade which is getting locked down to various shiny devices.


The shareholders have a claim on the profits, but they may prefer that claim to be exercised in ways other than dividend payments. For example, they may want the company to invest all of its profits in growth, or they may want it to buy back shares to increase the value of the remaining shares, especially since dividends are generally taxed as income while an increase in the share price is generally taxed as a capital gain, and capital gains are often taxed at a lower rate than income.


The basic idea behind a derivative is very simple actually.  It is a contract where the final value depends on (is derived from) the value of something else.  Stock, for instance, is not a derivative because the contract itself is actually ownership of part of a company.  Whereas car insurance is a derivative because the payout depends on the value of something else namely your (and other peoples') cars. The problem with such a simple definition is that it covers such a broad class.  It covers simple contracts like Futures where the end value just depends on the price of something on a future date.  But it extends to contracts complicated enough that people in finance call them Exotics. Derivatives are broadly used for two things reducing risk (sometimes called insurance) and speculation.  A farmer can use derivatives to make sure she gets paid a certain amount for her corn.  A banker can group a bunch of loans together and sell slices to reduce the pain of a particular loan failing.  At the same time people can use the same instruments to speculate on the price of (for example) that corn or those loans and the main advantage is that they don't have to buy the corn or loans directly.  Any farmer will tell you corn can be very expensive to store. Derivatives generally cause problems both individually and sometimes world wide when people don't properly understand the risks involved.  The most famous example being Mortgage-backed Securities and the recent Great Recession.  You can start understand the instruments and their risks by this wonderful Wikipedia article and later perhaps a used collection of CFA books which cover derivatives in great detail. Edit: Michael Grünewald mentioned Hull's text on derivatives a wonderful middle ground between Wikipedia and the CFA books that I can't believe I didn't think about myself.


"you make many assumptions, they are incorrect.  our viewpoints regarding politics are probably pretty similar.  you'd know that if you looked at my post history.    everyone's post history is totally public!  it helps us understand who we're talking to.  it provides context.  it speaks to your validity and intentions.  if you regard it as ""peeping"" then you don't understand reddit.  speaking as someone who has been here a long time.  this sub is for *investors*.  people don't understand why you're not posting in a more relevant sub"


> Come on, Germany!  Look at history and start understanding that you’d be far better off looking eastwards, reaching intelligent agreements with raw-materials-rich Russian, than with just dragging as dead-weight “Old Europe” and its increasingly decadent and misgoverned American controllers.


>These people are being held below a  livable standard by otherwise failed business models.  Please explain who is being held down in this situation.  An employment agreement is voluntary.  Wages are set by supply and demand.  >This country has the most profitable businesses in the world.  Those jobs will be replaced, and those people will be better off. That is how markets work.  So you want to violently intervene and kill off the livelihoods of people because they voluntarily work for a business you deem too unprofitable to exist?  The jobs will be replaced by machines and the people whose jobs you killed now live 100% on the dole, likely forever.  Most of the people affected will be minorities.  I can't imagine a more heinous and racist act of economic violence.  >Individuals who would rather see people toil endlessly for terrible businesses kept on life support by poor economic policy are the ones who should be ashamed.  Individuals who would rather see perfectly able bodied people 100% on the dole rather than providing for themselves should be ashamed.  Seriously, fuck you and fuck your violent and racist policies.


You only have to own it for a day (or rather for some amount of time before the close of trading the day before the ex-dividend date).  This is governed by exchange rules based on the date of record and payable date set by the company.  You might want to look at this article or this one for more details. It should be difficult to make money from changes due to the dividend distribution since it is well known and expected.  The exchanges have established rules for handling the various details that can come up, and traders account for the change where appropriate (as in option pricing).  Also, note that the favorable U.S. tax treatment of dividends requires a 60-day ownership period for the stock.


"Not sure what your needs are or what NIS is:  However here in the US a good choice for a single fund are ""Life Cycle Funds"". Here is a description from MS Money: http://www.msmoney.com/mm/investing/articles/life_cyclefunds.htm"


Well, like I said, there's a big difference between working level bean counters who aren't allowed to think, and management bean counters who can use their brains. Process for process sake isn't a good thing in ANY profession.   Maybe that's the difference. Bean counters (the little ones) are mired in process.


>[**Новая экономическая игра от проверенного админа! 50 % чистой прибыли за 1 сбор монет!Заходи быстрее! [5:52]**](http://youtu.be/0bdNp92_Jlw)  >>Привет друзья! В этом Видео, будет новая экономическая игра, от проверенного админа!  > [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7RK9aIUg) ^in ^People ^& ^Blogs  >*^2 ^views ^since ^Oct ^2017*  [^bot ^info](/r/youtubefactsbot/wiki/index)


The credit limit is not going to be the problem; the daily spending limit is more likely be tripped first. I'm not a lawyer but if you are not responsible for the credit card details being leaked it is very unlikely that the bank will be able to charge you for fraudulent spending on the card. The important thing is to notify the bank as soon as possible once you realize there is a problem and if practical keep evidence of that notification, it will then be the banks problem to fix. From my understanding Singapore has relatively good consumer protection and it is unlikely the bank will get very far even if they try to charge you.


"How can it be fake news when we're looking at government generated economic data?  Anyone can pull this data from the Internet to verify.  I think ""fake news,"" is just an excuse for people to dismiss ideas they don't like.  The press has always criticized presidents, this is nothing new.  It's a shame that some people have lost the interest of ability to analyze the veracity of news articles."


Find a good commercial bank in the us, or almost any bank in Canada, and exchange cash. Or use an ATM card in Canada; the surcharge is often minimal. (Check with your bank before traveling). You may or may not get a good exchange rate from your hotel desk; some view it as a courtesy, others as a service. You may be able to simply pay with American cash, near the border, but check the exchange rate. Or, for small amounts, you can simply not worry about whether you're getting the best possible exchange rate or not. I visit Canada periodically, and I use a mix of these solutions. Including that last one.


"I think I mis-read your comment above.    I agree, didn't mean to come off so snarky.   I don't believe her role involves what I would consider making traditional ""business decisions"".  However, I know from a few sources she is at the HQ regularly working on marketing and product / packaging designs."


As somebody who has worked remotely for the last 5 years, first at 50%, then at 100%, I find this shift to be far superior to office work. My productivity is up, my focus is good, and the work/life balance is far better than if I was working in an office. I can put in a longer day than my colleagues, yet still be free to pursue outside goals sooner than they are by eliminating my commute. Instead of spending money on greasy rushed lunches near the office, I eat healthy and cheaply at home. My energy, focus, and balance are all better.


Facebook has its fingers in many cookie jars and and can dip in many more because of the crazy amount of money they have/generate. They are practically unstoppable by now. I doubt we will see something new come along and kill it its too diverse for that.


Don't like HFT? Use a stock exchange or dealer network that only allows manually entered trades.  I hope readers are not convinced by this article to support the enactment of regulations that prevent people from using HFT.  Maybe he's right and HFT is detrimental (which I doubt), but this is something that should be decided by the free market.


Nope. Or at least, if it were possible the company offering such a credit card would quickly go out of business. Credit card companies make money off of fees from the merchants the user is buying from and from the users themselves. If they charged no fees to the user on cash advances and, in fact, gave a 3% back on cash advances, then it would be possible for a user to: The company would lose money until they stopped the loophole or went out of business.


The answer is no. Paypal will always ask for permission before adding or withdrawing money.


The man is pure evil. And I really have to wonder what these people think is in it for them? I mean where is the advantage for you to run your country into the ground? Sure you will wind up king of the hill but your hill is just going to be a pile a rubble and your kingdom will be a wasteland of ruins.


It's meaningful because we as a society have collectively decided that they are. It's all imaginary value, just like fiat money. That and in our capitalist society it is yet another product you are *forced to buy* or risk not having access to even a semblance of a decent life.  It's a pretty good racket if I do say so myself.


Sure, its gross, but my meta-research indicates its safe, and its a more efficient way to use the whole cow. We praise native Indians for using every part of the buffalo - but we can't do the same in the modern era?   Efficiency when it comes to beef production is probably a good thing, considering how greenhouse intensive the meat is.  Ground meat and sausages have always been about using the final scraps of the animal. If you don't like it, don't buy that type of meat.


#####&#009;  ######&#009;  ####&#009; Section 33. [**Reliability**](https://en.wikipedia.org/wiki/Myers-Briggs_Type_Indicator#Reliability) of article  [**Myers-Briggs Type Indicator**](https://en.wikipedia.org/wiki/Myers-Briggs%20Type%20Indicator): [](#sfw)   ---  >  >Some researchers have interpreted the [reliability](https://en.wikipedia.org/wiki/Reliability_(statistics\)) of the test as being low. Studies have found that between 39% and 76% of those tested fall into different types upon retesting some weeks or years later.    >One study reports that the MBTI dichotomies exhibit good split-half reliability; however, the dichotomy scores are distributed in a bell curve, and the overall *type* allocations are less reliable. Also, test-retest reliability is sensitive to the time between tests. Within each *dichotomy* scale, as measured on Form G, about 83% of categorizations remain the same when individuals are retested within nine months, and around 75% when individuals are retested after nine months. About 50% of people tested within nine months remain the same overall *type*, and 36% remain the same type after more than nine months.  For Form M (the most current form of the MBTI instrument), the MBTI *Manual* reports that these scores are higher (p. 163, Table 8.6).  >In one study, when people were asked to compare their preferred type to that assigned by the MBTI assessment, only half of people picked the same profile.  Critics also argue that the MBTI lacks [falsifiability](https://en.wikipedia.org/wiki/Falsifiability) [*[citation needed](https://en.wikipedia.org/wiki/Wikipedia:Citation_needed)*], which can cause [confirmation bias](https://en.wikipedia.org/wiki/Confirmation_bias) in the interpretation of results.  >  ---  ^Interesting: [^MBTI ^Step ^II](https://en.wikipedia.org/wiki/MBTI_Step_II) ^| [^Isabel ^Briggs ^Myers](https://en.wikipedia.org/wiki/Isabel_Briggs_Myers) ^| [^ESTJ](https://en.wikipedia.org/wiki/ESTJ) ^| [^Personality ^psychology](https://en.wikipedia.org/wiki/Personality_psychology)   ^Parent ^commenter ^can [^toggle ^NSFW](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot NSFW toggle&message=%2Btoggle-nsfw+cjmsshf) ^or[](#or) [^delete](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot Deletion&message=%2Bdelete+cjmsshf)^. ^Will ^also ^delete ^on ^comment ^score ^of ^-1 ^or ^less. ^| [^(FAQs)](http://www.np.reddit.com/r/autowikibot/wiki/index) ^| [^Mods](http://www.np.reddit.com/r/autowikibot/comments/1x013o/for_moderators_switches_commands_and_css/) ^| [^Magic ^Words](http://www.np.reddit.com/r/autowikibot/comments/1ux484/ask_wikibot/)