"This election only applies to payments that you make within 120 days of your having received loan money. These wouldn't be required payments, which is why they are called ""early"" payments. For example, let's say that you've just received $10,000 from your lender for a new loan. One month later, you pay $500 back. This election decides how that $500 will be applied.  The first choice, ""Apply as Refund,"" means that you are essentially returning some of the money that you initially borrowed. It's like you never borrowed it. Instead of a $10,000 loan, it is now a $9,500 loan. The accrued interest will be recalculated for the new loan amount.  The second choice, ""Apply as Payment,"" means that your payment will first be applied to any interest that has accrued, then applied to the principal. While you are in school, you don't need to make payments on student loans. However, interest is accruing from the day you get the money. This interest is simple interest, which means that the interest is only based on the loan principal; the interest is not compounding, and you are not paying interest on interest. After you leave school and your grace period expires, you enter repayment, and you have to start making payments. At this point, all the interest that has accrued from the time you first received the money until now is capitalized. This means that the interest is added to your loan principal, and interest will now be calculated on this new, larger amount. To avoid this, you can pay the interest as you go before it is capitalized, which will save you from having to pay even more interest later on.  As to which method is better, just as they told you right on the form, the ""Apply as Refund"" method will save you the most money in the long run.  However, as I said at the beginning, this election only applies if you make a payment within 120 days from receiving loan funds. Since you are already out of school and in repayment, I don't think it matters at all what you select here.  For any students reading this and thinking about loans, I want to issue a warning. Student loans can ruin people later in life. If you truly feel that taking out a loan is the only way you'll be able to get the education you need, minimize these as much as possible. Borrow as little as possible, pay as much as you can as early as you can, and plan on knocking these out ASAP. Great Lakes has a few pages that discuss these topics:"


"I think you have a really good idea, kudos to it. It will be difficult to break eve, and while you stressed the fact that you are ready to part with this money, it would be interesting for you not to part with this money just for the sake of trading. You will be frustrated because you are ""winning"" and breaking even or even losing money in the process. Think about that. For somebody with limited experience the derivatives market carries a very high risk also as everything in this matters carries high or very high yield. Trading futures on margin can actually work but I think you will need a bit more money. Check the mini contracts of infinity futures and calculate the commissions. You will be paying more for a contract, yes. you will need more money for your maintenance margin, yes, but if you day-trade and you have a cheapo broker this will be substantially lower. Gold contracts pay about 10 to 1 so a mini contract of 33 ounces will pay you 33 dollars per 1 dollar move. Your commissions will be about 4/5 usd in a discount broker and you will need to pay some exchange house fees, maybe about 15% of your trade will be fees. Check the contract specs and costs. As somebody said before, they wouldn't recommend trading on margin but with an account of that side I wouldn't know anything else. Trading physical gold on margin could also be an option. Just my 2 cents."


All the GS displays are absurdly cool, especially when viewed from an angle. I don't understand it. the Galaxy Nexus display is far better (though still not as good as the iPhone). It almost makes me think they are doing it on purpose; if they can produce this quality display for the GN, but they have stuck to the blue display of the GS for 3 generations, it has to be on purpose, right?


Many banks offer online payment. He can add a payee and just type your name and address in. The bank will mail the check out if they cannot deliver payment electronically. Edit: Recently I came across this (Citibank Global Transfer), you and your friend should see if your bank offers a similar service. Citibank requires both of you to have an account with them.


I completely agree, I think anyone with half a brain could have seen this coming. I would guess their major expenses are product development.... But losing that much money that quickly AND having growth slow down is not a good position to be in


"**[Corporate taxes suffocate growth](http://mises.org/daily/3024)**  Mises Daily: Wednesday, July 09, 2008 by Sterling T. Terrell  ........  Lower corporate taxes are associated with economic growth. This can be shown a priori and empirically.  A Priori  Corporate taxes reduce the profits of business owners. This is true because net income is reduced by the tax rate. For example, Firm X, with a $100 investment, earning a 7% return has an income — before taxes — of $7. With a 10% corporate tax rate, net income — after taxes — is $6.30. Firm X now has earned a 6.3% return. In contrast, a corporate tax rate of 40% reduces net income after taxes by $2.80 to $4.20, or a 4.2% after-tax return. **This rise in taxes, on the margin, reduces the profit-seeking incentive to take business risks. Why risk starting a biotech company when inflation-protected T-bill's will give you the same return? Entrepreneurs and venture capitalists less willing to take risk means less innovation and fewer innovative ideas being economically viable. This results in less economic growth. Conversely, higher returns on invested capital encourage investment and savings. All of this leads to more capital savings, more innovation, better technology, and higher wages.**  Further, the above example of Firm X is true if the firm does not have the pricing ability to transfer the tax to its customers. If the ability does exist, an increase in the corporate tax rate is really a tax on customers of the firm. In this case, consumers now have less to spend and save and the end result is the same.  Finally, a firm unable to pass on a tax increase or bear the reduced profit will either attempt to cut costs by reducing wages (among other costs) or be forced to go out of business.  **The main point is this: by definition, corporations do not pay taxes — people pay taxes. A corporate tax is either a tax on shareholders of the firm, customers of the firm, or employees of the firm. Less corporate tax means more innovation, capital savings, and spending by these groups — also known as economic growth.**  **Empirically**  After theory and logic tell us what is true, empiricism can confirm our result.  Thankfully, Professors Young Lee (Hanyang University) and Rodger Gordon (UC — San Diego) have done the work for us. In a 2005 journal article they concluded,  ""This paper finds that the corporate tax rate is significantly negatively correlated with economic growth in a cross-section data set of 70 countries during 1970–1997, controlling for many other determinants/covariates of economic growth.""  More specifically, they continue, ""The estimates suggest that cutting the corporate tax rate by 10 percentage points can increase the annual growth rate by around 1.1%.""[3]  Using these figures, Andrew Chamberlain of the Tax Foundation opines,  **""by cutting the U.S.'s combined federal and average state corporate tax rate from roughly 40 percent to 30 percent we could boost U.S. economic growth by around 1.1 percent per year — enough to double our nation's wealth every 63 years.[4]""**  **Even better, a cut from the actual corporate tax rate of 35% to a rate of 10% would double our nation's wealth every 30 years.**  **Life Savers moved production to Canada. Nabor Industries and Tyco International moved to Bermuda. Halliburton has announced a move to Dubai. In a globalizing economy, is it really a puzzle that firms prefer to operate in lower-taxing, less-regulated environments?**  These are examples of what can be seen. As Frédéric Bastiat reminds us, however, it is imperative to also account for what cannot be seen. What would the wealth of our nation be today if the corporate tax rate had always been 10% or less? What creature comforts would have been innovated? What new technologies brought to market? What diseases cured?  Due to a history of high corporate taxes these answers are not known, and we are worse off because of it.  Sterling T. Terrell is a Ph.D. candidate in the department of agricultural and applied economics at Texas Tech University."


Isn't it clear to everyone that something that isn't measured by economists yet is going horribly wrong in the US since they started with the debt bing? I know so many people with no savings whatsoever and just hanging on.


front running does not mean what you think it means. Front running involves getting access to customer orders and trading for your own account ahead of them.   This is spoofing, or quote stuffing, which involves placing fake orders to induce other HFT algorithms to do stupid things you can exploit.


"Why are there so many stock exchanges in the world?  The simple answer is that there is a lot of money to be made by charging fees to facilitate the trading of securities, but there are other factors at play here relating to new technologies. Trading volumes have increased rapidly in recent years.  According to this ITG data, in 1997, 6.5 billion shares were traded on US exchanges.  By 2015 this number had increased to 40.8 billion shares.  There are a number of reasons for this rapid increase in volumes.  Most significant would be the introduction of new technologies that allow for high volume, high frequency trading. This increase in activity has be accompanied by an increase in the number of stock exchanges.  As CQM points out in his answer, there has been considerable consolidation in the ownership of ""legacy"" exchanges.  For example, the NYSE merged with EuroNext in 2007, and the combined group is now owned by the Intercontinental Exchange, which also owns numerous smaller stock exchanges as well as a number of derivative/commodities exchanges. However, this consolidation in ownership has been more than matched by the creation of many ""virtual"" exchanges.   In North America these virtual exchanges are called ""Alternative Trading Systems"".  In Europe, they are called ""Multilateral Trading Facilities"".   These new virtual exchanges, sometimes referred to as ""dark pools"", have begun to significantly eat away at the volumes of the legacy exchanges.  If you look at the ITG data (linked above), you will see that the total volume of shares traded on legacy exchanges actually peaked in 2008, and has since then has decreased.  This coincides roughly with the appearance of the virtual exchanges and the new high frequency trading methods.  According to this paper from the SEC site, dated 2013, Alternative Trading Systems accounted for 11.3% of total volumes in 2012.  This will have increased rapidly in the years since 2012.  It is this loss of business that has prompted the consolidation in the ownership of the legacy exchanges. These new exchange are ""conceptually the same"" as the legacy exchanges and must play by the same regulatory rules."


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He has included this on Schedule D line 1a, but I don't see any   details on the actual transaction. It is reported on form 8949. However, if it is fully reported in 1099-B (with cost basis), then you don't have to actually detail every position. Turbotax asked me to fill in individual stock sales with proceeds and cost basis information. ... Again, it seems to be documented on Schedule D in boxes 1a and 8a. See above. I received a 1099-Q for a 529 distribution for a family member. It was   used for qualified expenses, so should not be taxable. Then there's nothing to report. I believe I paid the correct amounts based on my (possibly flawed) understanding of estimated taxes. His initial draft had me paying a penalty. I explained my situation for the year, and his next draft had the   penalties removed, with no documentation or explanation. IRS assesses the penalty. If you volunteer to pay the penalty, you can calculate it yourself and pay with the taxes due. Otherwise - leave it to the IRS to calculate and assess the penalty they deem right and send you a bill. You can then argue with the IRS about that assessment. Many times they don't even bother, if the amounts are small, so I'd suggest going with what the CPA did.


To add a little to mhoran_psprep's answer, the clause in question is not binding in perpetuity but only for the duration of the construction loan.  I assume that you are getting the loan from a bank rather than through  the builder.  The way a construction loan works is that the bank  agrees to loan you a certain amount of money for you to pay the builder but you don't get the money upfront to hold  till the construction is complete, or to pay to the builder each month. Each month, or whenever a major phase of the construction is completed, the builder submits a request for payment of (say) $X to you stating what part of the  whole work has been completed and attaching lien waivers from all the subcontractors that did any part of the work that they have been paid in full.  It is up to you to verify  (for your own protection) that the work has in fact been completed and that the work is satisfactory.  If everything looks OK, you send the  request (together with the lien waivers) to the bank which sends its own home inspector to verify that the work has in fact been completed. After the inspector's OK, the bank pays the builder $X  (more commonly $0.95X or $0.9X) and gets a lien waiver from the builder in the amount of the payment.  At this point, the amount that you  owe the bank increases by the amount paid. This goes on till the  house is completed, the municipality or county issues a Certificate  of Occupancy (meaning that that august body is satisfied that  there are no building code violations etc. and the place is  habitable) and the penultimate request for payment is made. Penultimate because a good construction contract withholds  some amount (5% or 10%) of the money owed to the builder  for anywhere from three  months to a year to ensure that the builder will come back  and fix things that were done incorrectly but not noticed  till the house was lived in. (For example, one drywall nail had penetrated an electrical wire creating leakage. This was not discovered during inspection - flip the switch; light turns on? yes, so flip the switch back and move on - but when the light was turned on for three hours after the house was occupied, an electrical fire began inside the wall!)  So, after this settle-down period is over, the builder submits the final payment request and gives a final lien waiver to the effect that everything owed to him has been paid. It is during this period of time that the bank wants to make sure that you don't take on additional loans or debts, or make any material changes to the facts that the bank used in assessing your credit-worthiness and making the decision to loan you the money. Hence the clause that is causing you to worry.  Construction loans usually are at higher interest rates than regular mortgages so that once construction is complete, it is in your best interest to replace the construction loan (paying off its mortgage) with a regular home-owner loan and mortgage.  If you get the regular mortgage from the same bank, you might be able to get some of the fees waived while going to another bank will mean that appraisal fee, termite inspection fee, etc will have to be paid. But in either case, the prohibition against buying that Beemer will disappear; just don't take out that auto loan between the mortgage application and the closing on the regular mortgage as mhoran_psprep's buyer did!


You don't see the purpose of a personal home assistant that you can use voice commands to help make your life more convenient? I don't personally care for it but the concept of a home assistant having use to many people isn't really that foreign imo


I've tried to argue this to some close friends who bought homes, pre/post-crisis, if the crisis ever ended, they thought it was ridiculous. There is a clear fulcrum where renting makes more sense than buying, when appropriate inputs of data are entered into the model. I think Khan Academy did a good 10-minute run down on the subject and used a relatively good model, as well.   Further than that, I read the first few paragraphs and stopped reading, it was a commercial. I was shocked. The entire thing up till' 2 paragraphs in is literally a commercial.   The supposed 'antagonist', explicitly implied by the title isn't actually an antagonist, it's a click-bait commercial -article posing as a real article, (imitation), that actually might have some real science below the commercial, as you've indicated, but that part also sounds like junk finance; to sell the idea to consumers that they should in fact buy homes (instead of rent), and get loans from banks (preferably this one), and do anything to achieve that, if need be, even move in with their parents.   This financial institution appears to have a sophisticated public relations marketing team doing their commercials-posing-as-news campaign(s).   Very interesting to see the marketing beast morph itself into something so sophisticated, as to contain such clear imitation, junk science, and click-bait. I wonder what kind of penetration they are getting with this model, and what percentage of those see it for what it is.   I suppose that would be a big-data question, answerable through analytics.


Ok, thanks for your explanation. This makes much more sense. I'm still confused on a few things though. Does the US government charge a higher fee to UPS and FedEx because they use a higher percentage of the traffic on us highways/freeways? Moreover, is the US government allowed to work out an exclusive deal with UPS to give them priority traffic (perhaps by selling them a tag that allows them to use the fast lane while others can't)? I recognize that the government is different than telecoms, but to stretch the metaphor imagine the freeways are owned by private business. Should private business be allowed to sell priority delivery on a system subsidized by taxpayers? A system that is subsidized primarily because an open neutral network provides a broader marketplace than a patchwork of privately owned roads/communication channels?   Also, doesn't Netflix have to pay significantly higher prices to get adequate upload speed to serve their customers? Shouldn't those fees cover the huge bandwidth they are using? (This is an honest question, I'm not informed on how data servers pay to connect to the internet.)


"First you need a niche, edgy idea - like a coin that ""will be used"" for autonomous car taxi's, a crypto for indie game dev startups, an ico for UFC ppv fights .. or some crap  Then you make a fancy website, hire a few techies to copy the code from another coin, get into a few conferences, claim that Vitalik (the Eth founder) has backed your coin and voila - you have an license to print money"


As a European we would wholeheartedly welcome a voluntary reduction in US geopolitical influence. The ability of the United States to dictate terms to Europe on strategic and political matters is an anomaly that has been allowed to persist for far too long.      Luckily for the rest of the world the US public are at large grossly uninformed in matters of foreign affairs and don't realise the exceptional strategic positioning they were granted in the wake of the second world war. And they're in the process of ceding that power.


This is a extremely complicated subject, but I assume you want a very simple answer (otherwise I'm not qualified to answer). The value of most currencies is closely tied to the economy of the county, so if China were to print a huge amount of yuan, then since the value of their economy has not really changed, the international currency markets would devalue the yuan to compensate. (This is rather like, if have shares in, say Apple, and they were to issue an extra billion shares, then the value of your shares would fall (by half), rather than for Apple to be suddenly be worth twice as much) Print too many notes and your currency basically becomes almost worthless, which is what happened to the Zimbabwean dollar. I like the idea of China skipping crate loads of actual yuan or dollars notes to America, but in practice, the borrowing is just a paper exercise, rather like an IOU. As to whether America owes Yuan or dollars, the answer is whatever has been agreed. Assuming the currencies are fairly stable, then since each country has more control over their own currency, it is natural for them to prefer their own currency. However, if America believes the value of the dollar will increase, they may prefer to pay back in Yuan (costing them less dollars), and if China believes the value of the dollar will decrease they may agree to that.


I assumed he meant drugs put in water on purpose. No one who is really thinking about the issue is concerned about antibiotic use in livestock because there might be trace amounts left in the meat they consume... they're concerned because widespread overuse will create antibiotic resistant bacteria.


Now, if you're still intrested, Mint.com works also for Canadian banks. Mint Canada


"BobbyScon's answer really covers this, but perhaps isn't sufficiently explicit.  Reason 1 of the quotation is the largest, by far: Get an Immediate Tax Deduction, but Give Later: You get the tax deduction when the foundation is funded, then make your charitable gifts over time. Having a ""personal"" foundation means that you make donations whenever it is appropriate from a personal finance point of view, but then actually perform the charitable giving in a time that is convenient. So you fund the foundation on Dec. 31, say; that gets the money out of your hands, and out of your taxable income, for the prior tax year.  Then you're not required to do anything else with that money until a time and place where it's convenient to you. In many cases, they set it up not as a foundation but as a Donor Advised Fund.  These are of late becoming extremely popular among the wealthy, largely the ease of setting them up and the above. The other major advantage of a Donor Advised Fund is simplicity in tax season: you have exactly one charitable donation recipient, with one receipt (or one set of them if you donate over time)."


"In fact, according to this [npr article](http://www.npr.org/sections/money/2012/07/19/157047211/six-policies-economists-love-and-politicians-hate), several economic professors assert that eliminating the corporate income tax is one of the mentioned policies that ""economists love"".  > If companies reinvest the money into their businesses, that's good. Don't tax companies in an effort to tax rich people.  Business taxes discourage capital investments that would otherwise lead to long term productivity growth. As politifact even admitted, it would appear that economists agree that these tax cuts improves economic growth. Unfortunately Politifact has a history of being deceptive with their ""fact"" checking categorizations when in reality there is a significant amount of nuance to analyzing these types of political statements."


Just by chance I recently encountered this link - Do It Yourself MFE, which describes an attempt to self-educate to the level of Master of Financial Engineering. It lists books, online courses, etc. which I think may be interesting for you too.


Exactly.  The crowd with bibles in one hand and guns in the other were more paranoid under President Obama (mostly because he fed that paranoia), but fear of oppressive federal governments won't go away based on one election.  Heck, paranoia is an American tradition.


Please be honest when you cite figures. A more complete picture is this:  Yes, 30% of new generating capacity (over last 5 years) has been wind  However, only 4% of the US power grid is supplied by wind  Meanwhile:  34% of US power generated is from natural gas   42% of total generating capacity is natural gas  Natural gas is an easy replacement for coal. Natural gas is just as affordable, reliable, and scalable, while releasing fewer pollutants into the air. As coal plants continue to shut down, natural gas plants are expected to be built to replace them. Wind farm production is theorized to remain relatively consistent (rate of construction will be minimally affected by coal plant decommissions).  Renewables all have cost, reliability, and scalability shortcomings. They are not an appropriate replacement for consistent sources (natural gas, coal, nuclear) until there is a reliable way to store the energy they produce. For now, renewable sources are far better served as supplements to others sources of electricity.   It is natural gas pushing coal out, with renewables playing a small role at the margins.  https://www.eia.gov/todayinenergy/detail.php?id=29732  https://www.eia.gov/todayinenergy/detail.php?id=30112  (These are both genuinely good. Not exciting, but good.)


How is having the government doing the audits any less problematic and with less conflicting interests than having private firms?  Some people tend to assume that the government is an angelic entity formed by people who have no self-interest, which has to be one of the most incredible fantasies ever. At least if private firms are doing it you can choose which one to believe and reputation through competition offers some guarantee.


"In the short term what does it matter if she has poor credit?  Just let it ride and focus on the important things. In the long term the most important part is ""completing the divorce"".  That is separating all parts of her financial life from her ex-husband.  This might mean she takes possession of the house and has him off the loan, or she gets off the loan and this may mean forcing a sale. If there are children or alimony involved she needs to build her income to the point that paying child support or alimony does not impact her budget.  If she is on the receiving end, then she should budget so those items are bonus money and not counted on. She is flat broke and does not need to worry about borrowing money at this juncture.  In this case a low credit score is a blessing."


TLDR summary: Automation helps drive the economy rather than cause unemployment. Just look at the last 10 centuries (forgetting that the combination of information technology with automation started with the generation of milinials and has never been seen before in history.) And milinials are happy with their jobs even though they are replaceable because they have no kids, friends, or family to enjoy. Their low paying jobs and occasional vacations are all they have to enjoy.


The economist is arguing that in the short term nothing will change, but in the long term Britain will be excluded from any future benefits. The treaty signed by the 23 countries is pretty wide ranging in its powers. It could develop to be a new European union not including Britain.  For now it looks like a good outcome for Britain; they stay within then free trade zone and free labour zone, but retain full control of their budget and regulations.


Pro:  - Faces less redemption pressure and hence the Fund Manager can focus more on long term gains rather than immediate gains.  - Works well in emerging markets.  - Less churn out in case the market falls sharply, there by making more money in long run. Cons:  - No additional money to invest/take advantage of market situation.  - Less liquid for investor as he is locked in for a period.


> Just because people think that's how it should be doesn't make it correct.    But businesses aren't making any sort of normative statement, they are offering a position which is open to people who decide it's a reasonable exchange.    You on the other hand are arguing that some central authority, rather than the market, should decide on fair remuneration.


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sometimes we advise very old or incapacitated people to apply the refund to the next year as check writing from time to time & mailing may be a hassle for them.


Well Company is a small assets company for example it has 450,000,000 shares outstanding and is currently traded at .002. Almost never has a bid price.  Compare it to PI a relative company with 350 million marker cap brokers will buy your shares.  This is why blue chip stock is so much better than small company because it is much more safer. You can in theory make millions with start up / small companies.  You would you rather make stable medium risk investment than extremely high risk with high reward investment  I only invest in medium risk mutual funds and with recent rallies I made 182,973 already in half year period.


If you can qualify for two mortgages, this is certainly possible.  For this you can talk to a banker. However, most people do not qualify for two mortgages so they go a different route.  They make offers on a new home with a contingency to sell the existing home.  A good Realtor will walk you through this and any possible side effects. Keep in mind that the more contingencies in an offer the less attractive that offer is to sellers.  This is how cash buyers can get a better deal (no contingencies and a very fast close).  Given the hotness of your market a seller might reject your offer as opposed to first time home buyer that does not need to sell an old home.  On the other hand, they may see your contingency as low risk as the market is so hot.   This is why you probably need a really good agent.  They can frame the contingency in a very positive light.


"I think it will prove to be a futile attempt by Google BUT, I'm glad they are trying.  Competition is a good thing.  It will keep pushing Amazon to be better and better and not fall asleep at the wheel as so many ""monopolies"" end up doing.  I'm all in on Amazon:  AMZN stock, AWS, Amazon shopping, you name it!"


If *everyone* earned enough credits during the summer so they don't have to pay for their energy use in the winter then who is paying the people to produce the energy in the winter?  It's mathematically impossible for net metering (crediting people at the same rate they are debited for each unit of energy) to work when everyone is on it.  That's why a reduced credit (the same rate wholesale energy producers receive for their energy) is inevitable.


The question states :- Our insurance company is offering a 30% discount on an $8200/year   commercial policy, if we install sprinklers. The insurance is paid in   two installments. ... This appears to mean six-monthly payments, so I'll make some comparison calculations using six-monthly loan repayments to keep things simple. Without the loan or sprinklers the insurance costs $4100 every six months. Using this loan payment formula, the calculation below shows, with the 30% discounted insurance, sprinkler maintenance and loan repayment, you would be paying $4655.28 every six months.  The discount required to break even is 43.5%.  I.e. rearranging the equation :-  Alternatively, with the discount of 30% you would break even if the six-monthly repayment amount was $1030.  Solving the payment equation for s gives an equation for the loan :-  So with the 30% discount you would break even if the loan required was $25989. Checking by back-calculating the periodic payment amount, a :-  Likewise we can keep the loan at $40000 and solve for t to find the break-even loan term :-  (Note, in this formula Log denotes the natural logarithm.)  Now we can set some values :-  So with break-even payments the $40000 loan is paid off in just under 65.5 years.  I.e. checking :-  This just beats the $4100 cost of proceeding without the sprinklers. Notes If your loan repayment was monthly it would reduce the cost of the loan slightly.  The periodic interest rate is calculated from the APR according to the method used in the EU and in some cases in US.  The calculations above were run using Mathematica.


"It isn't what you want to hear, but there really is no substitute for the CFA if you want to work in research. Fortunately, you don't need to have passed all 3 levels to make a jump. Plenty of people are able to move having only passed level 1 or 2.     If you really do want to end up in a more quantitative/data driven role, start learning R/Python & looking into data science/machine learning/statistics. That said, you aren't going to magically become a data analyst over night. Learning VBA/Macros in excel may be more achievable, and is likely to help.  Alternatively, if you do want to be a ""thought leader"" with regards to macro/trends etc, a masters may be of use, but your mileage will likely vary.  Learning Bloomberg/Factset/Morningstar is unlikely to clinch you a role."


"AFAIK, there are two kinds of taxes your web freelancing income may be subject to in Quebec: On the income taxes:  The net income you realize from your web freelancing activities would be considered taxable income.  Assuming you are not operating as an incorporated business, you would need to declare the freelancing income on both your federal and provincial tax returns.  You should be able to deduct certain costs related to your business – for instance, if you paid for software, hosting, domain name registration, etc.  That is, only the profit from your business would be subject to income tax.  With income and expenses arising from self-employment, you may want to use a professional to file your taxes. On the sales taxes: You may also need to charge federal GST and provincial QST (Quebec Sales Tax) on your services:  You must enroll and charge GST and QST once you exceed the ""small supplier"" revenue threshold of $30,000 measured over four consecutive quarters.  (You can still choose to enroll for GST/QST before you reach that amount, but over that amount enrollment becomes mandatory.  Some businesses enroll before the threshold is reached so they can claim input tax credits for tax paid on expenses, but then there's more paperwork – one reason to perhaps avoid enrolling until necessary.) In Quebec, the Ministère du Revenu du Québec administers both GST (on behalf of the federal government) as well as provincial QST.  Be sure to also check out their informative booklet, Should I Register with Revenu Quebec? (PDF).  See also General Information Concerning the QST and the GST/HST (PDF)."


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Conceptually, the entries are:   Yes. And since you're the sole owner, your basis will equal to the equity balance on the balance sheet. Keep in mind the book and tax basis will probably be different, so you may want to keep a separate calculation to track the tax basis. There is no journal additional journal entry for this. If you're using bookkeeping software, be sure to research its book-closing/closing entries feature, as it is handled differently depending on the software. For example Quickbooks doesn't explicitly close its books, but re-computes the balance sheet dynamically depending on the selected date range.


"This is definitely a scam. My husband was inquiring with a ""company"" that was offering him to be. Representative for them. He got the same job details but the company was called Ceneo. I did due diligence and found that the real Ceneo has no problems receiving money directly from buyers around the world. The fake company mirrored their website, posted jobs on the net,hoping to ""employ"" unsuspecting people in the U.S. This is their reply to my husband when he asked the job details. DO NOT GET SCAMMED and held accountable for money laundering."


I wish people stop blathering about cheap labor this and that. If that were the case, Japan, Germany, Korea, etc would follow the same trend as in US with declining manufacturing, instead of top global powerhouse and major exporter of manufacturing good.  Yes there are transition from low cost product, but as those 3 countries proved, they can move on and make higher end goods.


I think you can do better than the straight indexes. For instance Vanguard's High Yield Tax Exempt Fund has made 4.19% over the past 5 years. The S&P 500 Index has lost -2.25% in the same period. I think good mutual funds will continue to outperform the markets because you have skilled managers taking care of your money.  The index is just a bet on the whole market.  That said, whatever you do, you should diversify. List of Vanguard Funds


"> She isn't asking for society to bear her burdens. She's asking for society to pay her a reasonable wage for her labor.  Asking society to implement a policy that will ultimately serve to harm more people*  > So you read the article, but then chose to ignore all the arguments showing that this would not, in fact, ruin the economy?   Skimming through the article, I only saw one sentence that equated to ""no it wouldn't"". For the record, I would be  in favor of a scaled negative income tax.  > Tell me - when drug companies hike the prices of essential medicine, do you also argue that it would ""ruin our economy"" or ""cause a lot more suffering""? Or do you just shrug and go ""they're charging what the market will bear""?  It would depend on the situation and why they were doing it, but generally speaking, I fucking hate the way that our drug industry is set up, for a whole host of reasons. I think it definitely harms more people than it helps.  > Why is that for folks like you, it's always fine if companies raise prices; but if employees want a higher wage, it's an outrage?  Because you have created a group in your head that you are against, then you lump anyone that doesn't agree with you on other issues into that group without actually having a conversation to find out if they really do believe what you assume they believe. You know how conservatives will sometimes go, ""stupid liberals""? Don't assume you're above making that same kind of generalization about other people. I understand why both sides do it, because it's entertaining to watch stupid people from the other side get interviewed and fail on issues that you agree with."


If that is what you insist upon, don't use PayPal. This is one of the supposed justifications for the existence of cryptocurrencies


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This calculation arrives at the correct answer.  However, it uses the formula for an annuity due.  This means the payments are made at the beginning of the month and the last month of the 10 year period has interest accrued. See the section, Calculating the Future Value of an Annuity Due. The rate is given as an effective rate. with  In Excel, =FV((1+0.12)^(1/12)-1,120,3500,0,1)


"How do you get the words to show up in blue like that to lead you to something.  Also where can I go to learn how to make something a ""serious answers only"" Post. Basically... can you tell me where to learn the Reddit shortcuts... I'm relatively new to the platform."


Your question has already been answered, you divide the amount of shares you own * 100% by the total amount of shares. However, I feel it is somewhat misleading to talk about owning a percentage of the company by owning shares. Strictly speaking, shares do not entitle you to a part of the company but instead give you a proportional amount of votes at shareholder meetings (assuming no funky share classes). What this means is that someone who owns 30% of a company's shares can't just grab 30% of the company's assets (factories, offices and whatever) and say that they are entitled to own this. What they actually own is 30% of the voting rights in this company, this means that they control 30% of all available votes when the company calls a vote on corporate actions, choosing a new director etc. which is how shareholders exert their influence on a company.


Yeah, I've heard of actual people, like Jim-down-the-hall, making 1M due to those beautiful, god damned, golden handcuffs known as RSUs.  This was at a valley tech giant though, so common, no.  But in the realm of possibility without autism level natural abilities, yes.


...a marketing guy who as a teenager invented a color cathode ray tube design that almost beat Sony to a patent on the Trinitron display. He also did a pretty good job foreseeing the mobile & Internet revolution (in hindsight it doesn't seem impressive, but when you compare to what most other tech CEO's were thinking at the time, he was way ahead of most of them).  These notions we get about people we've never met....


"I did a little research and found the eligible investments for TFSAs. In this document under heading ""Shares of private and other corporations"", sub heading ""Shares of small business corporations"" there is clause about owning less than 10% share and less than $25000 total value of the corporation. Generally, a connected shareholder of a corporation (as  defined in subsection 4901(2) of > the Regulations) at any time  is a person who   owns, directly or indirectly, at that time,  10% or more of the shares   of any class of shares of the  corporation or of any other corporation   related to the  corporation.    However, where   • such a person is   dealing at arm's length with the  corporation or any other related   corporation; and   • the aggregate cost amount of all shares of the   corporation  or any other related corporation the person owns, or is    deemed to own, is less than $25,000 that person will not be a   connected shareholder of the  corporation. For purposes of the 10%   and $25,000 tests, the rules in the  definition of ìspecified   shareholderî in subsection 248(1)  apply with the result that certain   shares will be deemed to be  owned by the shareholder. For example, by   virtue of  paragraphs (a) and (b), respectively, of that definition,   an  annuitant, a beneficiary or a subscriber under a plan trust is    deemed to own the shares owned by a person with whom the  annuitant,   beneficiary or subscriber is not dealing at armís  length, as well as   the shares owned by the plan trust.  In addition, any share that  • the annuitant, beneficiary, or subscriber under a plan trust;  or • a person not dealing at arm's length with any of the above  has a right to acquire is also included in the calculation of the  percentage and   cost amount of the shares held for purposes  of the 10% and $25,000   tests pursuant to subsection  4901(2.2) of the Regulations."


At my company, we set up a secondary WiFi for cell phones/personal devices that is segregated from our primary network. And most people have two phones, a work phone and a personal phone (although you are allowed to use your work phone for personal calls). It's just being smart - if you quit or are fired and you've only been using your work phone, say goodbye to your contacts.


>does it have growth prospects?  Exactly this.  There's no reason to believe that Facebook will grow enough to support that price tag.  This is something that any company that becomes large relative to the market has to deal with.  Demand becomes limited by the size of the market.  Even after absorbing/destroying competitors there just isn't that much more room for growth.  Facebook's pricing will hopefully be a bit of a wake-up call.  We don't need another dotcom bust.  Facebook might be very valuable but you're kidding yourself if you think it is more valuable than a company like UTC for example.


I'm travelling to the US soon and will transfer to a US $ account from either an € account or £ account. My dad recommends transferring € because it's strong at the moment compared to previously. The £ is weak compared to what it was, but still stronger than €. Which is the best option at the moment?


"A key principle of economics is: Sunk costs are irrelevant. You bought the stock at 147 and it has now fallen to 144. That's too bad. This has nothing to do with whether it is wise or foolish to buy shares at 144. The only relevant thing to consider is: Do I expect the stock to go up or down from 144? You have lost $3 per share on the original buy. Buying more shares will not ""reduce your loss"" in any way. Suppose you bought 100 shares at 147. The price then drops to 144. You have lost $3 per share, or $300 total. You buy another 50 more shares at 144. The price stays at 144. So your average purchase price is now (147 x 100 + 144 x 50) / 150 = 146. So I guess you could say that your ""average loss per share"" is now only $2. But it's $2 x 150 shares instead of $3 x 100 shares. You still lost $300. You didn't reduce your loss by a penny. Maybe it made you feel better that you reduced your average loss per share, but this is just an arithmetic game. If you believe that the stock will continue to drop, than buying more shares just means you will lose even more money. Your average loss per share may go down, but you're just multiplying that average by more and more shares. Of course if you believe that the stock is now at an unjustifiably low price and it will likely go back up, then sure, buy. If you buy at 144 and it goes back up to 147, then you'll be making $3 per share on the new shares you purchased. But I repeat, whether or not you buy more shares should have nothing to do with your previous buy. Buy more shares if you think the price will go up from the present price; don't buy more shares if you don't think it will go up. The decision should be exactly the same as if you had never previously bought shares. (I'm assuming here that you are a typical small investor, that you not buying enough shares to have any significant effect on the market, nor that you are in a position to buy enough shares to take control of the company.)"


I know one of his 192,000 employees affectionately refers to him as 'Greedy Galen'. This family is a huge supporter of the right-wing think tank called The Frazer Institute. He's like the Canadian equivalent of Betsy DeVos, he is bent on undermining public education.


It's always a good idea to check your credit history on a regular basis - try checking your credit score from one of the independent providers recently (like Equifax) ?  Maybe that will offer a clue what PayPal is doing.


Dish is just as bad. After my initial 2 year program. They changed the line up of channels I got. I didn't mind the price went up about $15. But to get all the channels I had before I would have to go up 2 tier levels and that would cost another $30 a month. Only reason I stay is satellite has never gone out even in storms and high wind like my cable did.


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If we're talking about a very small business (I'm picturing an office with 10-15 employees), I wouldn't want to work in any small business environment where I was unwanted.  And for businesses that small it doesn't make any sense to try to legally force them to hire someone they don't want to work with everyday.  If I'm a non-white person, I wouldn't want to work somewhere where they're so racist they didn't want to hire me because of my skin color.  Actually I wouldn't want to work there as a white person either.


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You are starting from false premises built on politically driven economic theories. The reality does not square with anything that you just wrote.   The Fed is not necessary. It does incredible harm to the average guy. Fiat money and fractional reserve banking guarantee monetary collapse. You cannot continue to add debt at the bottom and cheap money at the top. Asset prices inflate and the average guy's standard of living goes down the tubes.   The idea that economics is hard science is ridiculous. In a smallish closed or partially closed system, formulas and equations can determine probable outcomes, in the infinitely complex economy of the modern world, the very idea that you can predict anything beyond general directions is absurd. And the general directions are not understandable without considering the human motivations that drive each of the billions of sentient actors involved.   But cleave to Samuelson, at least it can make you feel superior to think that you understand the pointless complexity


Which begs the question how do you weed out those that are poor at handling money or would waste it versus those that know what to do with it? Just throwing it in the wind to anyone seems wasteful. Are there qualifications? I didn’t see that part.


There are currently 2 2% cards that I am aware of. The Citi Double Cash Credit Card and the Fidelity 2% AMEX card. Good thread for Fidelity card is here.  And a good thread for the Citi card is here.


UGMA and UTMA accounts are in the name of a single child(Your daughter), the funds are not transferrable to another beneficiary. There are strict rules governing UTMA/UGMA accounts. As a custodian, you do not own the assets in the accounts; the minor ultimately owns the asset, however, you can make certain withdrawals from the account to cover expenses for the benefit of the child, such as school fees, tutoring, computer equipment, etc. I'm not sure gifting some of the money to her other siblings will actually benefit your daughter who happens to be the real beneficiary.


Options pricing is based on the gap between strike and the current market, and volatility. That's why the VIX, a commonly accepted volatility index, is actually just a weighted blend of S&P 500 future options prices.  A general rise in the price of options indicates people don't know whether it will go up or down next, and are therefore less willing to take that risk.  But your question is why everything underwater in the puts chain went higher, and that's simple: now that Apple's down, the probability of falling a few more points is higher. Especially since Apple has gone through some recent rough times, and stocks in general are seen as risky these days.


"I think all transportation uses only 1/3 of oil produced at best.  That includes many things that won't be electrifed soon, like planes and ships.  Don't forget how much oil agriculture uses in both fertilizer, pesticides and the least in running the equipment itself.  So while demand may soften over time, it's not like will suddenly glut.  Peak Oil (which we reached with ""conventional oil"" vs fracked) kinda says that each subsequent barrel will get more and more expensive to pump out (rather the popular perception we will suddenly run out).  That basically has been a truism since over a century, because ERoEI on oil has declined.  At peak return, iirc in the 1930s or so, we were getting something like 300 barrels of oil out for every barrel of energy invested on some fields in Saudi Arabia, now the overall average is down to around 10 or less?  Point is, oil won't go to $10.  Oil industry could not survive on it and they know we don't have alternatives for many oil uses (it's the most easily portable liquid with the highest energy concentration), so why price it as such?  If people really wanted to reduce their carbon/oil footprint, they'd stop pining for electric cars and switch to a plantbased diet - which will have a far greater impact for much less investment.  On top of all the health benefits they accumulate."


"Income is income... it depends how it's structured.. personal or corporate.. but still you need to pay taxes... if you get audited, the tax man could look at your bank statements and ask, ""where is this money coming from"""


I guess Bitcoin are not that popular yet and hence there are no specific regulations. If currently it gets debated, it would be treated more like a Pre-Paid card or your Paypal account. As you have already paid taxes on the $$ you used to buy the Bitcoins there is no tax obligation as long as you keep using it to buy something else. The other way to look at it is as a commodity. If you have purchased a commodity and it has appreciated in value in future you may be liable to pay tax on the appreciated value. Think of it as a if you bought a house with the $$ and sold it later.   Once more serious trade starts happening, the governments around the world would bring in regulations. Till then there is nothing to worry about.


>I'm always amazed when people come to the defense of large corporations.  Here's the thing, Target hires employees, if Target were to shut down tomorrow (yes, I know it won't) then all of the people making their living through Target would be screwed. That's why I'm surprised there is so much hate directed at corporations. Sure, they do some nasty things, sure they're trying to make the largest profit possible, but they still pay thousands of peoples' wages, and if anything severely hurts Target as a corporation, those people are the ones will be affected the most.


I just filled out a survey for my cable company.  I made it clear to them that their prices are a little higher, and their website sucks, but the fact that they have a call center based in the US and the call center is so well run is the only reason I stay with them.  The wait time is never more than a minute, and the people answering the phone are always pleasant and helpful.  I'm one of the lucky few Americans who has the luxury of more than one cable company in the area meaning the threat is not hollow.


"I think it would be worth it for you to look into something called a ""Self-directed IRA"" before you make any decisions. Sometimes the costs can be a little higher, but you may find the flexibility worth it. Basically, instead of being limited to a small set of mutual funds from which to choose, having the money in a self-directed IRA would let you branch out into real estate, gold, or other vehicles that aren't part of the usual 401K landscape. And count me as another vote for not taking the cash. MrChrister is right, there are plenty of other ways to pay that off without the penalty."


It's true both ways.  One way is limited by technology and the other by misguided acceptance of the mafia.  I live my values.  I pity you that you do not understand the value of strategy.  You also know nothing of what I have done to welcome people to see the world as it is.  I pity you that you feel a need to support crimes.


So I'm confused  - reading dhando investor - he says  Odds of receiving a $1 in 2009 and 30+ percent intrestest from 2002-2009 is -> 50%  Odds of getting .19 back ( a loss of .11) -> 45%  Odds of a loss of .24 is 2%  Odds of a total loss is 3%   He states Kelly criterion suggests 86% betting how!!!!! Bought the converts at .30 cents please explain no idea how he did this.


"This is the best tl;dr I could make, [original](https://web.stanford.edu/~chadj/AI.pdf) reduced by 99%. (I'm a bot) ***** > The share of factor payments going to capital is given by  and the long-run growth rate of y  Y /L is gy = g , 1&minus;&alpha; where g is the growth rate of A. An increase in automation will therefore increase the capital share  and, because of the multiplier effect associated with capital accumulation, increase the long-run growth rate.  > 10 Can A.I. affect innovation and growth through potential effects it might have on 9  1&minus;&rho; &middot;&theta;+n  Substituting in for other solutions, the long-run growth rate of the economy is gy = , where 1&minus;&phi; n is the rate of population growth.  > S&macr;L1&minus;&alpha; 1&minus;&alpha; Kt Kt A˙ t Kt&beta; = S  1&minus;&phi; At At It is easy to show that these growth rates cannot be constant if  &gt; 1.13 If the growth rates are rising over time to infinity, then eventually either gAt &gt; gKt , or the reverse, or the two growth rates are the same.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/70vurg/artificial_intelligence_and_economic_growth_by/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~212175 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*: **growth**^#1 **AI**^#2 **automation**^#3 **share**^#4 **capital**^#5"


Well, what you are asking is EMI, which comes to 30.78 in your case.  The formula you are applying is of compounding a value, which is completely different.  In EMI, person keeps paying money every month or any other period as specified. This amount is firstly allocated towards the interest for the period and the balance for principal amount. So, in effect principal keeps decreasing and subsequently interest thereon. Also, since, interest is getting paid every time it becomes due, compounding actually do not happen at all.  In the case of compounding, interest gets applied at certain interval, but do not get paid. So, in effect every time when interest gets applied, it applies on complete Principal outstanding as well as interest unpaid. Hence, this complete amount gets payable at the end. In this case, total amount payable is obviously high, because of 2 reasons: 1. Since, Principal gets unpaid during whole period, you are paying interest on complete amount for complete period.  2. You will be paying interest on interest (compounding of interest) since you are not paying it as it is becoming due. Hence, both are different. You need to find EMI calculator or EMI formula, to achieve your purpose. EDIT: The formula for calculating EMI: Assuming a loan of Rs. 1 lakh at 9 % per annum, repayable in 15 years, the EMI calculation using the formula will be: EMI = (1,00,000 × 0.0075) × [(1 + 0.0075) 180 ÷ {(1+0.0075) 180 } - 1] = 750 × [3.838 ÷ 2.838] = 750 × 1.35236 = 1,014


It seems like you would want the work done that is necessary for society to be less expensive.  For instance, without food I am dead, so someone growing food is very important.  But if it takes up 100% of my income, then that means a society where the majority of people are growing food and doing nothing else.


The tourists who go to that golf course will not be staying in Benton Harbor, they will be staying in the rich white neighboring town of St. Joseph and avoiding Benton Harbor at all costs (much like everyone else who lives in SW MI). There are a ton of politics behind this golf course, but I do believe Benton Harbor does get quite a bit of economic benefit from this course being on their property. They didn't want it in the first place, but it ultimately was built and now what's done is done.  One round of golf is out the ass expensive at $150/round for a non-resident during peak season.


I supported my claims with research from pew.  You can ignore it and continue to parrot Trump talking points or you can look at it and make the connection.  I’m not going to hold your hand.  It’s not my problem if you’re too stupid to understand the implications of the data I linked.    You may not have voted Trump but you do a great job parroting his talking points.  Were you also the type of person saying both sides are the same during the election.  You clearly have very nuanced views...


This would be a nice Raspberry Pi project for Mathematica, which comes bundled free on the Raspbian OS. You can program it up and leave it running.  It's not expensive and doesn't use much power. A program to monitor stock prices or volume could be written as simply as :-  This checks the volume of trades of Oct 2014 US crude oil futures every 30 seconds and sends an email if the volume jumps by more than 100. The financial data in this example is curated from Yahoo.  If specific data is not available or not updated frequently enough, if you can find an alternative online data source it's usually possible read the data in.  For example, this is apparently real-time data :- {Crude Oil, 92.79, -0.67, -0.71%} After leaving the above program running while writing this the volume of trades has risen like so :-  Edit I just set this running on a Raspberry Pi.  I had to use gmail for the email setup as described in this post: Configuring Mathematica to send email from a notebook.  Anyway, it's working.  Hope I don't get inundated with emails. ;-)


Highest priority compared to what?  Obviously priorities should be repaying debt in the order of interest percentage. Which means among your debts, the mortgage likely comes last. Trying to get a better mortgage deal however has a huge priority.  And if you have a choice between wasting money and paying off the mortgage, the mortgage should have higher priority.


The limits on an HSA are low enough that there's no real danger of overfunding it.  The limits max out at (as of 2011, for an individual) at just over $3000 per year.   Sometime in the next few years, you will have more than $3000 in health care expenses.  It might be something like a car accident, acid reflux, a weird mole that the doctor wants to check out, a broken toe, a few nasty cavities that need to be filled, an expensive antibiotic, or something else entirely.  Or, it might be something less dramatic, getting eaten away by copays and contact lenses. When that happens, you want the peace of mind that you can pay for your deductible plus any other expenses.  Keep in mind that even a $5000 deductible can cost you more than $5000 out-of-pocket; either because of non-insured expenses, or simply an illness that straddles multiple calendar years. Besides, it's not like your HSA money is going anywhere; even if you never touch it, it's just a savings account that you can't touch until you turn 65.  And if you do truly have an emergency, you can get at it if you have to. Even if your HSA is filled with several years' worth of deductibles, it's still a way to shield thousands of dollars a year from taxes, with luck moving them into lower-tax years 40 years from now.  And it's a way that doesn't involve income limits or mandatory withdrawals.


If I were you, I would pay off my student loans today or tomorrow.  Wouldn't it be nice to be completely debt free and not owe anyone anything?  It doesn't matter what the interest rate of the loan is; there is no need to spend anymore time trying to worry about whether or not the market will allow you to make a tiny bit extra over what you are spending in interest on the loan.  Just get rid of the debt, and you will get to keep every bit of the growth of your investments from here on out. After the student loans are paid off, that leaves you with $15k.  I would take $10k and put it in a savings account for an emergency fund, and put $5k as a start toward your retirement savings in a Roth IRA. At this point, with a fully funded emergency fund, a start on your retirement savings, and no debts, you have really set yourself up for success.  Learn how to budget your income so that you spend less than you make and can save up toward goals like a car (paid for in cash) and a down payment on a house.


From an India Tax perspective, someone may add the US aspect; As you have given your Father-In-Law [FIL] some money, and do not have loan documents, the amount your FIL has repaid will be treated as GIFT to you. Gift Tax by Father-In-Law to Son-in-Law is 100% tax free and there is no limit of amount. The funds can be got into NRO account and not in NRE account. There is limit of USD 125,000 that can be reptriated outside India. Refer the RBI Q&A 56


Company that solves no problem whatsoever, just a middle man sucking a % of the value chain.  It's Netflix, without the contents, but with the ads. https://twitter.com/idontg1veafu/status/913395877250785280  The streaming service is minimal (90M revenue), while the hardware selling (which btw is non-recurring, a là gopro) is trending lower.  Avoid.   Watch it for a short if your broker has the shares available and it rips higher and can't make new highs.  At $35 within a week, I'd probably initiate a short position


"A lawyer might be overkill for recovering a judgment.  Do a google search for ""judgment recovery service"" in your area.  They specialize in what you're trying to do. The service will charge you a fee (usually 10%) for any monies recovered.  What happens is that you assign the right to collect on the judgment to the service, and their staff can run with it from there.  Whoever you contract with will get as much information as possible about your ex-husband: employment, businesses, and so forth.  This information can be used to have levies issued by the state, wage garnishment and so forth.  There is no given timetable for how long it takes. If your ex is indigent, it would be hard to collect by way a recovery service or an attorney, because you can't collect what he doesn't have."


US bank deposits over $10K only need to be reported to FinCEN (Financial Crimes Enforcement Network- a bureau of the US Department of Treasury) if the deposits are made in cash or other money instruments where the source cannot be traced (money orders, traveler checks, etc). Regular checks and wires don't need to be reported because there is a clear bank trail of where the money came from. If your family member is giving you money personally (not from a business) from a bank account which is outside of the US, then you only need to report it if the amount is over $100K. Note, you would need to report that regardless of whether the money was deposited into your US bank account, or paid directly to your credit cards on your behalf, and there are stiff penalties if you play games to try to avoid reporting requirements. Neither deposit method would trigger any taxable income for the scenario you described.


"Sending your money off to do the heavy lifting is just a stylish way to say ""investing"".  He is saying hold back 6 months of living expenses and don't invest it.   Keep it in cash or some cash-like investment (genuinely safe and liquid).  It's good basic solid advice you'll also get from Dave Ramsey, Suze Orman and any financial advisor worth a darn.    While this is good advice, that does not mean all of his advice is good.  A classic con-man trick is to tell you three things you know are true, mixed with a lie they want you to believe.  They want you to think ""I know 3/4 are true so the fourth probably is too."""


> The business pretty clearly laid out what it expects out of its employees, and what it expects is illegal.  That isn't what I got from the article at all.  Their *sales* practices are publicly Christian, but not their hiring practices.  All of the illegal things they did with regard to hiring this applicant were done in private, during the interview process.


Better suited to /r/personalfinance, but you definitely owe the money. Unless you had something in writing that they were going to send a bill to a certain address, it's your responsibility to pay. Hell, even if you did have something in writing that said they'd send the bill somewhere else it's still your responsibility to pay even if the bill doesn't show up. You know you owed them money.  When your parents didn't get the bill, you should have called the company to ask about it. It's your responsibility to follow up since you're the one that owes the money.  What did you think would happen when you went 5 months without paying $312 that you knew you owed?


The biggest advantage to small business owners paid in cash is not that it might save the 2 or 3 percent that would go to the credit card company.  The biggest advantage is that they have the opportunity to keep the transaction entirely off the books and pocket the cash without paying income tax or sales tax, especially when no receipt is given, or when it's a service instead of a product being sold, or when it's an approximately-tracked inventory unit going out the door.  Although it's illegal, it's widely done, and it's also often a temptation for employees to try and get away with doing it too.


"How/when does my employer find out? Do they get a report from their   bank stating that ""check 1234 for $1212.12 paid to John Doe was never   deposited"" or does it manifest itself as an eventual accounting   discrepancy that somebody has to work to hunt down? The accounting department or the payroll company they use will report that the check was not deposited. The bank has no idea that a check was written, but the accounting deportment will know.  The bank reports on all the checks that were cashed. Accounting cares because the un-cashed check for $1212.12 is a liability. They have to keep enough money in the bank to pay all the liabilities. It shouldn't be hard for them to track down the discrepancy, they will know what checks are outstanding. Can my employer punish me for refusing the money in this way? Do they   have any means to force me to take what I am ""owed?"" They can't punish you. But at some time in the future they will will tell their bank not to honor the check. They will assume that it was lost or misplaced, and they will issue a new one to you.  When tax time comes, and I still have not accepted the money, would it   be appropriate to adjust my reported income down by the refused   amount? You can't decide not to report it. The company knows that in year X they gave you a check for the money. They are required to report it, since they also withheld money for Federal taxes, state taxes, payroll taxes, 401K, insurance. They also count your pay as a business expense.  If you try and adjust the numbers on the W-2  the IRS will note the discrepancy and want more information. Remember the IRS get a copy of every W-2.  The employer has to report it because some people who aren't organized may not have cashed a December check before the company has to generate the W-2 in late January. It would confuse everything if they could skip reporting income just because a check wasn't cashed by the time they had to generate the W-2."


"This is the best tl;dr I could make, [original](http://uk.reuters.com/article/uk-britain-economy-idUKKBN1AJ0ZV) reduced by 77%. (I'm a bot) ***** > &quot;Firms&#039; prospects for the coming year have slipped to a level which has previously been indicative of the economy stalling or even contracting ... largely reflecting heightened uncertainty about the economic outlook and Brexit process,&quot; said Chris Williamson, IHS Markit&#039;s chief business economist.  > A rise in inflation to a near four-year high - largely driven by the fall in the pound since last year&#039;s referendum - has prompted a minority of BoE policymakers to call for a reversal of last year&#039;s cut in interest rates.  > Prime Minister Theresa May unexpectedly failed to win an outright majority in a parliamentary election in June, and with less than two years before Britain leaves the European Union, her party has yet to agree a clear set of negotiating goals.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6rc2bx/britain_experiencing_sluggish_economic_growth/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~182238 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*: **year**^#1 **economy**^#2 **since**^#3 **Britain**^#4 **June**^#5"


If the correction results in you owing them money, you typically just need to pay them the appropriate amount. I believe they charge back-dated interest on the amount if it was supposed to have been paid in the past, but if it's for this year's taxes then payment isn't due until the end of April and so interest would not apply. In some circumstances, they may apply fines or press charges for tax evasion, but only if they have reason to believe you intentionally/knowingly attempted to misrepresent your tax return in order to avoid paying taxes. You can challenge their decision to fine you, but you are considered guilty until proven innocent. Obviously that's the opposite for any criminal charges. The good news is, lots of people accidentally enter the wrong numbers and the CRA is aware of this and rarely takes action against them, other than making them pay what they owe. They have ways to look for suspicious behavior and differentiate that from innocent mistakes. So don't worry, you should be fine, not fined.


Changes in implied volatility are caused by many things, of course, and it is tough to isolate the effect you are describing, but let's try to generalize for a moment. Implied volatility is generally a measure of how much expect uncertainty there is about the future price of the stock.  Uncertainty generally is higher in periods including earnings announcements because it is significant new information about the company's fortunes can make for significant changes in the price. However, you could easily have the case where the earnings are good and for some reason the market is very certain that the earnings will be good and near a certain level.  In that case the price would rise, but the implied volatility could well be lower because the market believes that there will be no significant new information in the earnings announcement.


The 20%+ returns you have observed in the mutual funds are not free money.  They are compensation for the risk associated with owning those funds.  Given the extraordinarily high returns you are seeing I would expect extremely high risk.  This means there is a good possibility of extreme losses at some point.  By putting a lot of money in those mutual funds you are taking a gamble that may or may not pay off. Assuming what your friend is paying you for rent is fair, you are not losing money on your house relative to the market.  You are earning less because you are invested in a less risky asset.  If you want a higher return, you should borrow some money (or sell your house) and invest in the market.  You may make more money that way. But if you do that, you will have a larger chance of losing a lot of money at some point.  That's the way risk works.  No one can promise a 20% return on a risky asset, they can only hint that it may do in the future what it did in the past. A reasonable approach to investment is to get invested in lots of different things: stocks, bonds, real estate.  If you are afraid of risk and willing to earn less, keep more money in safe assets.  If you are willing to take big risks in exchange for the possibility of high returns, move more assets into risky stuff.  If you want extreme returns and are willing to take extreme risk, borrow and use the money to invest in risky assets. As you look over investment options, remember that anything that pays high returns most likely has high risk as well.


The mechanism is allowing insertion of 3 butyl rubber seals in the window between the frame and the opening sash. It has an external seal, mid window, and inner seal. Due to its constructional make-up many non-tilt turn manufacturers are limited to one or two seals.


Florida Dream Management offers vast selection of luxury homes for your disney vacation in Orlando. Whether you rent your home out or not, our property management company will ensure you will arrive in Florida knowing that your vacation home or villa has been well maintained in your absence.


I believe he was recommended by one of the investors. After digging a little deeper, it seems the person who invested the most (I believe they own 40%) has his wife doing the taxes and paperwork. We've tried to get them to show us the paperwork and they always seem reluctant. They claim that they're not getting anything either, but they're more of a mutual partner that was introduced to us by the third investor. Basically I invested with a friend, who introduced a third investor (who bought in at the majority). I think it was my friend who knew this manager and hired him due to a past relationship they had. For more insight, my friend actually owns another 2 bars that are quite successful, but it seems he's completely not invested in this one despite owning 30%.


Ding ding ding ding ding!  Too bad Reddit doesn't understand banking, investment, or business. You've implied that the banks might not actually be acting out of intense malevalence toward the little guy, thus, your post will be drawn, quartered, and banished to the wastes of downvote.


Reading through the details makes it sound even worse.    >Iliad estimates it will be able to save about $2 billion annually by cutting out costs such as sending paper bills      Come on, you can't seriously pretend to offer cell plans for $3 per month while citing cutting out paper bills as a cost savings measure. Where are you getting your infrastructure? Right now it's owned by the big players, so you either spend a fortune leasing bandwidth or spend an even larger fortune laying out your own infrastructure.  Instead, this guy plans to buy T-Mobile, who already has contracts in place. Except they are already being acquired by Sprint, so good luck with that, Mr. No Experience in the US Market.   This feels like the same sort of hubris that US companies have when they think they can expand overseas. It doesn't work for US companies because of a fundamental lack of understanding of the US market, and it looks like this guy suffers from the same knowledge deficit


As 'anonymous' already mentioned, I think the correct answer is to go see an accountant. That said, if you are already have to fill in a tax return anyway (ie, you're already a high rate taxpayer) then I don't see why it should be an issue if you just told HMRC of your additional profit via your tax return. I never was in the situation of being employed with a side business in the UK, only either/or, but my understanding is that registering as self employed is probably more suitable for someone who doesn't PAYE already. I might be wrong on this as I haven't lived in the UK for a couple of years but an accountant would know the answer. Of course in either case, make sure that you keep each an every scrap of paper to do with your side business.


You can take the money back out of a 529 plan if you end up not having enough educational expenses to use it on. The penalty is 10% of the earnings (you don't pay a penalty on the principal). You can also open a 529 in any state, not just the one where you reside. The minimums and fund selection for each state can vary widely, so it makes sense to look around and see if there's a state with a fund selection you like.


I was hesitant to answer this question since I don't own MLP even though I'm aware of how they work.  But hear crickets on this question, so here goes.  I'll try to keep this as non technical as possible. MLPs are partnerships where a shareholder is a partner and liable for the partnership's taxes.  MLPs don't pay corporate tax since the tax burden flows to you, the shareholder. So does that mean like a partnership the partners are liable for the company's actions?  Technically, yes. Has it happened before? No. Of course there are limitations to the liability, but are not definitely shielded in a way normal shareholders are.   MLPs issue a K-1 at the beginning of the year (feb/mar).  The tax calculations are relatively complex and I'm not going to go over that in this post. Generally MLPs are a bad choice for tax-deferred accounts like IRAs since there are tax implications beyond certain limits of distribution (yes even out of an IRA you'll have to pay taxes if above the limit). Not all types of businesses can become MLPs (hey no corporate tax, let's form an MLP!) Only companies engaged in businesses related to real estate, commodities or natural resources can become MLPs.  There are a number of MLPs out there.  The largest is Kinder  Morgan Energy Partners. Hope this helps!


"I'm a little confused on the use of the property today.  Is this place going to be a personal residence for you for now and become a rental later (after the mortgage is paid off)?  It does make a difference. If you can buy the house and a 100% LTV loan would cost less than 125% of comparable rent ... then buy the house, put as little of your own cash into it as possible and stretch the terms as long as possible.  Scott W is correct on a number of counts.  The ""cost"" of the mortgage is the after tax cost of the payments and when that money is put to work in a well-managed portfolio, it should do better over the long haul.  Don't try for big gains because doing so adds to the risk that you'll end up worse off. If you borrow money at an after-tax cost of 4% and make 6% after taxes ... you end up ahead and build wealth. A vast majority of the wealthiest people use this arbitrage to continue to build wealth.  They have plenty of money to pay off mortgages, but choose not to.  $200,000 at 2% is an extra $4000 per year.  Compounded at a 7% rate ... it adds up to $180k after 20 years ... not exactly chump change. Money in an investment account is accessible when you need it.  Money in home equity is not, has a zero rate of return (before inflation) and is not accessible except through another loan at the bank's whim.  If you lose your job and your home is close to paid off but isn't yet, you could have a serious liquidity issue. NOW ... if a 100% mortgage would cost MORE than 125% of comparable rent, then there should be no deal.  You are looking at a crappy investment.  It is cheaper and better just to rent.  I don't care if prices are going up right now.  Prices move around.  Just because Canada hasn't seen the value drops like in the US so far doesn't mean it can't happen in the future.  If comparable rents don't validate the price with a good margin for profit for an investor, then prices are frothy and cannot be trusted and you should lower your monthly costs by renting rather than buying.  That $350 per month you could save in ""rent"" adds up just as much as the $4000 per year in arbitrage. For rentals, you should only pull the trigger when you can do the purchase without leverage and STILL get a 10% CAP rate or higher (rate of return after taxes, insurance and other fixed costs).  That way if the rental rates drop (and again that is quite possible), you would lose some of your profit but not all of it.  If you leverage the property, there is a high probability that you could wind up losing money as rents fall and you have to cover the mortgage out of nonexistent cash flow. I know somebody is going to say, ""But John, 10% CAP on rental real estate?  That's just not possible around here.""  That may be the case.  It IS possible somewhere.  I have clients buying property in Arizona, New Mexico, Alberta, Michigan and even California who are finding 10% CAP rate properties.  They do exist.  They just aren't everywhere. If you want to add leverage to the rental picture to improve the return, then do so understanding the risks.  He who lives by the leverage sword, dies by the leverage sword.  Down here in the US, the real estate market is littered with corpses of people who thought they could handle that leverage sword.  It is a gory, ugly mess."


It's amateurish to expect Facebook to do anything other than what Zuckerberg wants. His shares give him control over the company. This was known before the IPO. People that thought he would change and take actions that would benefit them, instead of himself are learning an expensive lesson.


It's investment 101. The holding co Piney seeks investments in sports and entertainment facilities and the arena was under foreclosure. So they got it at a good price. The Chicago Blackhawks success only motivates the next generation to skate. So there is a consumer base. If there is a creative focus with experienced management... then they can really turn profits.


It's not the concept of patents that is a failure.  It's the application of them.  The Copyright Clause of the U.S. Constitution states that Congress may grant exclusive production rights to authors and inventors **for a limited time**... in order to **promote science and art**.  It was supposed to protect people who put a large investment of time and resources into developing something.  It wasn't the *idea* that was supposed to be protected – it was the *investment* in developing the idea.  That is not how intellectual property is used today.  Companies have instructed politicians to change the laws so that they can use intellectual property rights to maximize profits and monopolize industries.  There was never any problem with the concept of patents.  The problem lies with government.  As long as businesses are allowed to legally bribe politicians, the laws will be altered to favor those businesses.


Household debt as a percentage of disposable income rose from 68% in 1980 to a peak of 128% in 2007, prior to dropping to 112% by 2011.  The typical American family's income has fallen every year since 2007 by 2011 it had fallen back to 1997 levels.   So where is the money going to come from to pay off all this new debt?


There's two types of categories at play that define currency types - but I think the first is more like what you are after.  The first is there are essentially three currency types now recognised - see them described here: http://finance.mapsofworld.com/money/types/ The second is currencies can be categorised by the type of economy from which they are generated (reserve/commodity/etc) - see them described here: http://www.forextraders.com/learn-forex-trading-course/major-currency-pairs.html


The low payroll does help. Keep that in mind next time you see someone working at walmart, especially if you see they're doing a pretty good job. They aren't getting paid a whole lot to do it.   Also it's interesting to note that I didn't know a single one of us who didn't put a very large portion of our paychecks back into the store. Walmart has it pretty good with their associates... associates just don't always get a fair shake.   Part time gets health insurance after a year tho... and it's not too expensive... doesn't cover a whole lot but it will get you into the doc and 4 dollar scrips from the pharmacy don't hurt either.


"Supply and Demand, pure and simple! There are two basic forms of this - a change in the quantity demanded/supplied at any given price, and a true change in the amount of demand/supply itself. Please note that this can be distinct from the underlying change in the value of the company and/or its expected future cash flows, which are a function of both financial performance and future expectations. If more people want the stock that are willing to sell it at a given price at a given point in time, sellers will begin to offer the stocks at higher prices until the market is no longer willing to bear the new price, and vice versa. This will reduce the quantity of stocks demanded by buyers until the quantity demanded and the quantity supplied once again reach an equilibrium, at which point a transaction occurs. Because people are motivated to buy and sell for different reasons at different times, and because people have different opinions on a constant flow of new information, prices change frequently. This is one of the reasons why executives of a recent IPO don't typically sell all of their stock at once. In addition to legal restrictions and the message this would send to the market, if they flooded the market with additional quantities of stock supplied, all else being equal, since there is no corresponding increase in the quantity demanded, the price would drop significantly. Sometimes, the demand itself for a company's stock shifts. Unlike a simple change in price driven by quantity supplied versus quantity demanded, this is a more fundamental shift. For example, let's suppose that the current demand for rare earth metals is driven by their commercial applications in consumer electronics. Now if new devices are developed that no longer require these metals, the demand for them will fall, regardless of the actions of individual buyers and sellers in the market. Another example is when the ""rules of the game"" for an industry change dramatically. Markets are behavioral. In this sense prices are most directly driven by human behavior, which hopefully is based on well-informed opinions and facts. This is why sometimes the price keeps going up when financial performance decreases, and why sometimes it does not rise even while performance is improving. This is also why some companies' stock continues to rise even when they lose huge sums of money year after year. The key to understanding these scenarios is the opinions and expectations that buyers and sellers have of that information, which is expressed in their market behavior."


Lol that's ridiculous, Bezos is super rich because of loss leading and predatory pricing.   He's been criticized ever since he founded Amazon.    It's amazing, between this and the Jeff Sessions thing it's evident that redditors will defend anyone as long as they criticize trump every once in a while.


Anything front office related. If you start in backoffice chances are you will never move out of there. Mid office (risk reporting, compliance and trade supervision) are better in that regard.  Try applying for an associate in training or some type of capital markets rotation program.


"Back-testing itself is flawed. ""Past performance is no guarantee of future results"" is an important lesson to understand. Market strategies of one kind or another work until they don't.  Edited in -- AssetPlay.net provides a tool that's halfway to what you are looking for. It only goes back to 1972, however. Just to try it, I compared 100% S&P to a 60/40 blend of S&P with 5 yr t-bills (a misnamed asset, 5 yr treasuries are 'notes' not 'bills') I found the mix actually had a better return with lower volatility.  Now, can I count on that to work moving forward? Rates fell during most of this entire period so bonds/notes both looked pretty good. This is my point regarding the backtest concept.  GeniusTrader appears more sophisticated, but command line work on PCs is beyond me. It may be worth a look for you, JP. ETF Replay appears to be another backtest tool. It has its drawbacks, however, (ETFs only)"


Yes, you can do what you are contemplating doing, and it works quite well. Just don't get the university's payroll office too riled by going in each June, July, August and September to adjust your payroll withholding! Do it at the end of the summer when perhaps most of your contract income for the year has already been received and you have a fairly good estimate for what your tax bill will be for the coming year. Don't forget to include Social Security and Medicare taxes (both employee's share as well as employer's share) on your contract income in estimating the tax due. The nice thing about paying estimated taxes via payroll deduction is that all that tax money can be counted as having been paid in four equal and timely quarterly payments of estimated tax, regardless of when the money was actually withheld from your university paycheck. You could (if you wanted to, and had a fat salary from the university, heh heh) have all the tax due on your contract income withheld from just your last paycheck of the year! But whether you increase the withholding in August or in December, do remember to change it back after the last paycheck of the year has been received so that next year's withholding starts out at a more mellow pace.


My suggestion would be to keep it. The value of a new car is that you get to drive it around when it's still new and shiny, and that you know its history. If you maintain it in good condition, both mechanically and cosmetically, then you can have both of those benefits for the life of the car. Your question merges the old car sale and new car purchase transactions together, but that's not correct. The value of your 2010 car has no relationship to the value of any new car you might buy, except incidentally through the market forces that act on each. The car dealership is likely to be skilled at making you feel like your most important criteria are satisfied, but they will try to construct the deal to maximize the money you pay them while making you feel like you're the one maximizing your value. Also note that the dealership cannot give you maximum value for your car, because it costs them money to sell it and they take all the risk. Some of the difference between typical direct-sale and trade-in prices is the commission you are paying them to both sell it for you and absorb the risks in the transaction.


It might surprise you to know dear cute Nikki is actually  Nimrata Randhawa  An Indian American, and she comes forward to push the Agenda of the Indians long lost cousins, when Moses told them to fuck off following the worshiping of the Golden calf issue.  Seems to me, there is very little that America does that is on its own Agenda, every thing seems to be about the Jews?  What does America want for America?


It's a different ballgame when you have to fly regularly too. It's all well and good suffering through 4 hours when you have a vacation in Vegas or New York waiting for you, but when it's work on both ends, and you have to do it again and again and again, I don't see how anyone could remain sane.


Just the opposite, if you can, offer all prices! Make a premium product, and regular one, a lite version, and so on. Capture all price points.  The premium version's price gives you anchoring so your less expensive product will appear cheap even if it isn't.  This also gives users an upgrade path so the way to full price is baby steps.


I just went through all of your recent posts, and I've determined that you're probably the most helpful person ever. Thank you for your excellent contributions. You are a gentleman and a scholar, and I hope to grow up to be like you some day.


>[**Топ платящих проектов! Как быстро заработать в интернете! Сайты по заработку 2017 [3:06]**](http://youtu.be/OdmYMjNmCb8)  >>Друзья, в этом видео, вы узнаете, какие проекты платят. Так же, есть проект, в котором можно заработать без вложений  > [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7RK9aIUg) ^in ^People ^& ^Blogs  >*^4 ^views ^since ^Oct ^2017*  [^bot ^info](/r/youtubefactsbot/wiki/index)