The truth is that Visa does not require a merchant to enter the cvv number before authorizing a transaction.  The only information that is really needed is the credit card number and expiration date.


"Debt increases your exposure to risk.  What happens if you lose your job, or a major expense comes up and you have to make a hard decision about skipping a loan payment?  Being debt free means you aren't paying money to the bank in interest, and that's money that can go into your pocket. Debt can be a useful tool, however.  It's all about what you do with the money you borrow.  Will you be able to get something back that is worth more than the interest of the loan? A good example is your education.  How much more money will you make with a college degree?  Is it more than you will be paying in interest over the life of the loan?  Then it was probably worth it. Instead of paying down your loans, can you invest that money into something with a better rate of rate of return than the interest rate of the loan?  For example, why pay off your 3% student loan if you can invest in a stock with a 6% return?  The money goes to better use if it is invested.  (Note that most investments count as taxable income, so you have to factor taxes into your effective rate of return.) The caveat to this is that most investments have at least some risk associated with them.  (Stocks don't always go up.)  You have to weigh this when deciding to invest vs pay down debts.  Paying down the debt is more of a ""sure thing"". Another thing to consider: If you have a long-term loan (several years), paying extra principal on a loan early on can turn into a huge savings over the life of the loan, due to power of compound interest.  Extra payments on a mortgage or student loan can be a wise move.  Just make sure you are paying down the principal, not the interest!  (And check for early repayment penalties.)"


The whole thing about buddy cop movies is that they're hilariously mismatched. Think Danny glover and Mel Gibson, or Jackie Chan and Chris tucker. You'd have to pair R2D2 off with a droid whose personality is diametrically opposed... I wonder who that could be?... hmm...


The final decision must be made by you, but from personal finance perspective it's the high risk investment. The first consideration is, do you have enough money to invest? You need money for much more that 7 months, because the money won't flow immediately. At best you should have finantial reserves for 18-24 months. The second, do you wish to risk? You can place a deadline, for example if after 18 months you're still on minus, you give up and return to the normal work. It will mean you've worked for 18 months for nothing, while having expences, so it's effectively a lost.


The legalization of marijuana has led to higher wages for unskilled workers. People who would normally work in fast food or the restaurant industry is a good example of this. Instead of taking a minimum wage job, these marijuana companies are offering higher wages to work for them. These jobs tend to be a less stressful and pay more than working in a restaurant so more and more unskilled workers are going into this field.  In fact this has created a shortage of jobs in the restaurant industry. Colorado literally cannot find enough people to work in their restaurants..  I've worked in the coal Industry for 3 years but I can't comment on the coal situation since I've been out of that market for a while. All I can say is nuclear is our future.


And how are these people supposed to get out of poverty when all their jobs are being shipped to China by wealthy businessmen tired of paying living wages here in America?  Also, trying to blame Obama for something that's completely controlled by congress is tiresome.  This country makes me sick lately.  Anyone who's ever been poor knows what a horrible trap it is, and how hard to escape it is.  They need all the help they can get.


MZM (or Money Zero Maturity) refers to the total amount of money that is immediately redeemable at par value on demand. It includes coins and currency in circulation, checking and saving accounts, and money market funds. Thus, MZM includes all financial instruments that can be freely accessed immediately without penalty or risks.  The chart, as described by the above paragraph, excludes treasuries/federal debt, 401ks/IRAs, foreign investment, home loans, student loans, bonds and the stock market.   Boomers are drawing down their savings accounts while most of GenX/millennials income is beholden to some form of debt for at least a decade or more.  The chart is a vivid illustration of why the middle class is being hollowed out and why headline inflation has not manifested yet.


They are two different animals. When you rent you are purchasing a service.  The landlord, as your service provider, has to make a profit, pay employees to do maintenance, and buy materials. The price of these things will increase with inflation, and that rolls into your rent price. Taxes also are passed to the tenant, and those tend to only go upward. Market forces of supply/demand will drive fluctuation of prices as well, as other posts have described. When you buy, you are purchasing just the asset - the home. This price will also be driven by supply/demand in the market, but don't try to compare it to buying a service. Cheers!


By the way, I 'd like to add that it is a real pussy move to insist on downvoting a person you are having a one on one conversation with.  I mean, I could go back and downvote all of your posts, but I am not a whiny pussy just because someone disagrees with me.


When you live in your own rental property, it no longer counts as your 'rental property'. It becomes your own living property and legally you cannot get tax benefits.


"Its funny how we call them teens, teenagers etc.   I fucking hated being called that when I was one.  Go to Barnes and noble and there is a ""teen fiction"" section.  Must be for 12 years olds or something, so they feel older.  The only appropriate time to call a person a teen is in porn, and those bitches are all 22."


Let an app do it for you, group items and see where you spend your money. One example: https://www.tinkapp.com/en/ Should provide a starting point for showing income vs expenses.


In a perfect market, share prices are by definition a perfect reflection of the true value of a share. Hence, you always get $10 for a share that's worth that much. In reality, the market is imperfect. Prices are somewhat of an average of all different estimates, and there's a cost-of-trading margin between sales and buy prices. Hence, in a perfect market it doesn't matter whether you have a stop loss order at $9.00. That just trades your stock worth $9 for cash worth the same $9. In an imperfect market, that trade nets you less. Furthermore, is risk a linear function of money? Perhaps not, if you bought on margin, need to lend extra and your interest rate increases with the extra credit demand.


In the EU prices on consumer-focussed sites* are quoted inclusive of VAT. In the USA prices are  quoted exclusive of sales tax. Consumer pricing is usually driven at least partly by psychological concerns. Some pricepoints are more appealing to certain types of buyers than others.  The Euro vs dollar exchange rate has fluctuated a bit over the years but it's generally averaged somewhere around 1.2 dollars per Euro over the last decade. VAT has varied around 15%-20% in most cases. Put these things together and the same headline price points are generally appropriate in both the USA and the Eurozone. OTOH the Brisith pound has been worth substantially more than the dollar or the Euro. So it makes sense to have a lower headline price in the UK. * B2B focussed sites often quote prices exclusive of VAT, you need to be aware of this when comparing prices.


"What theyre fishing for is whether the money was earned in the U.S.  It's essentially an interest shelter, and/or avoiding double taxation.   They're saying if you keep income you make outside the US in a bank inside the US, the US thanks you for storing your foreign money here and doesn't tax the interest (but the nation where you earned that income might).   There is no question that the AirBNB income is ""connected with a US trade or business"".   So your next question is whether the fraction of interest earned from that income can be broken out, or whether IRS requires you to declare all the interest from that account.   Honestly given the amount of tax at stake, it may not be worth your time researching.   Now since you seem to be a resident nonresident alien, it seems apparent that whatever economic value you are creating to earn your salary, is being performed in the United States. If this is for an American company and wages paid in USD, no question, that's a US trade or business. But what if it's for a Swedish company running on Swedish servers, serving Swedes and paid in Kroner to a Swedish bank which you then transfer to your US bank? Does it matter if your boots are on sovereign US soil?  This is a complex question, and some countries (UK) say ""if your boots are in our nation, it is trade/income in our nation""... Others (CA) do not.  This is probably a separate question to search or ask. To be clear, the fact that your days as a teacher or trainee do not count toward residency, is a separate question from whether your salary as same counts as US income."


>Asking people to travel less is silly, and punishing companies for CO2 emissions when there is no alternative is also silly,  Neither are silly to the typical environmentalist.    >so I hope these regulations are trying to encourage some sort of 'positive' behaviour?  They are encouraging people to fly less. Environmentalists view that as a positive change in behavior.


Our certified arborists are skilled in managing your pruning, removal, trimming and cutting trees. We are providing the most comprehensive tree care practices in Lafayette, LA. Our expertise and experience have made us a household name that is known for professionalism, and to prove it, we offer you a 100% satisfaction guarantee on every project that we do.


There are two (main) ways of transferring large sums of money between banks in such a situation. 1) Have your bank mail a cashier's check.  They may or may not charge you for this (some banks charge up to $6, the bank I work at doesn't charge at all).  You have to wait for the check to go through the mail, but it usually takes just a few days. 2) Wire the money.  This could cost $50 or more in combined fees (usually around $30 to send and $20 to receive), but you get same day credit for the funds. The limits to online transfers are in place to protect you, so that if someone gets into your account the amount of damage they can do is limited.  If you need those limits lifted temporarily, check with your bank about doing so - they may be willing to adjust them for you for a brief period (a day or two).


"First to clear a few things up.   It is definitely not a gift. The people are sending you money only because you are providing them with a service.   And for tax purposes, it is not a ""Donation"". It has nothing to do with the fact that you are soliciting the donation, as charitable organizations solicit donations all the time. For tax purposes, it is not a ""Donation"" because you do not have 501(c)(3) non profit status.   It is income. The question is then, is it ""Business"" income, or ""Hobby"" related income?   Firstly, you haven't mentioned, but it's important to consider, how much money are you receiving from this monthly, or how much money do you expect to receive from this annually?   If it's a minimal amount, say $50 a month or less, then you probably just want to treat it as a hobby. Mostly because with this level of income, it's not likely to be profitable. In that case, report the income and pay the tax. The tax you will owe will be minimal and will probably be less than the costs involved with setting up and running it as a business anyway. As a Hobby, you won't be able to deduct your expenses (server costs, etc...) unless you itemize your taxes on Schedule A.   On the other hand if your income from this will be significantly more than $600/yr, now or in the near future, then you should consider running it as a business.   Get it clear in your mind that it's a business, and that you intend it to be profitable. Perhaps it won't be profitable now, or even for a while. What's important at this point is that you intend it to be profitable.   The IRS will consider, if it looks like a business, and it acts like a business, then it's probably a business... so make it so.   Come up with a name for your business. Register the business with your state and/or county as necessary in your location. Get a bank account for your business. Get a separate Business PayPal account. Keep personal and business expenses (and income) separate.   As a business, when you file your taxes, you will be able to file a Schedule C form even if you do not itemize your taxes on Schedule A. On Schedule C, you list and total your (business) income, and your (business) expenses, then you subtract the expenses from the income to calculate your profit (or loss).   If your business income is more than your business expenses, you pay tax on the difference (the profit).  If your business expenses are more than your business income, then you have a business loss. You would not have to pay any income tax on the business income, and you may be able to be carry the loss over to the next and following years. You may want to have a service do your taxes for you, but at this level, it is certainly something you could do yourself with some minimal consultations with an accountant."


"This is the best tl;dr I could make, [original](http://www.motherjones.com/environment/2017/07/heres-the-real-reason-republicans-dont-give-a-damn-about-climate-change/) reduced by 90%. (I'm a bot) ***** > Of the impacts studied, increased mortality will be the greatest direct economic cost from climate change, accounting for about two-thirds of the costs seen by the end of the century according to the study and using mortality values consistent with current U.S. government practices.  > Amir and others working in the intersection of climate change and the economy have started a group called the Climate Impact Lab.  > While the study paints one of the most detailed pictures of the winners and losers from the impacts of climate change in the U.S., Rasmussen cautioned that it&#039;s far from complete, and that many other impacts still need to be studied.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6l3opk/the_economic_consequence_of_climate_change_the/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~158531 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*: **Climate**^#1 **change**^#2 **study**^#3 **cost**^#4 **how**^#5"


Precious metals, treasury bonds, real estate, etc.   These are good investments that generally produce low income with low risk. In order to get the economy back to work we need capital to invest in riskier, but more productive endeavors.


It's cheap compared to coastal cities. I agree it'll see a big pullback given the last two years of growth. Have to disagree that it's just a generic town though. Lots of reason why Amazon would be interested in coming here. In fact NYT just made the same prediction.


The car created tons of jobs.  We have already seen one robot replace hundreds of people in factories.   Automation with robots and AI will not create more jobs than it displaces.  What need is a human when you have a robot doing the work? You seem to be confusing the anti technology people of the olden day with the vastly more intelligent and technologically minded people of today.  You are mischaracterize the student loan debt issues.  A baby boomer leaving doesn't mean they're replacing them. Do more with less is a corporate motto.   Btw if you think serving of these robots will make a ton of jobs you don't know how the servicing industry works. It won't.  You're also ignorant about healthcare costs. Market forces can't fix this nor will they.  If I held a gun to your head and told you to pay x you will. That's basically the same as you have cancer now here's your bill.  For a millionaire you're not so great at reality.


I can't find specific information for Form 1099-DIV for this tax year.  However, I found this quote for next tax season that talks about Form 1099-B: Due date for certain statements sent to recipients.   The due date for furnishing statements to recipients for   Forms 1099-B, 1099-S, and 1099-MISC (if amounts are   reported in box 8 or 14) is February 15, 2018. [emphasis added] I know many brokerages bundle the 1099-DIV with the 1099-B, so one might assume that the deadlines are the same.  February 15 seems consistent with the messages I got from my brokerages that said the forms will be mailed by mid-February.


">1.) The US mint is a private business. There's your first flaw of any argument about currency before we talk further.  Policies are set by the US Congress, and the Mint operates under the auspices of the US Treasury. You don't point out how any of this relates to anything, so I guess no point in going any further.   >2.) That small percentage value of the penny ""not being worth your time"" is a huge fallacy. It might not be worth anything to him, but I generally would be intent on getting a few cents back that are due to me. Similarly, using his example of 3 cents adding 2 seconds to the transaction ends up at a rate of $54/hr. That's quite a bit of money to be considered.  If we assume that any penny related transaction is equally likely to have 1 - 4 pennies involved, and we take the 2 second figure as accurate, then we come up with $45 per hour. However, there is the time of the cashier and anyone behind you to consider. That 2 seconds is multiplied by everyone, but only you get the pennies. If we figure you have to wait as often as you receive pennies on the whole, then the figure gets slashed, I'm guessing under $10 an hour.   Your figure also fails to account for what would happen if the penny were removed from circulation. Most likely outcome would be that transactions where you'd make 1 or 2 pennies would be rounded down and transactions where you'd have gained 3 or 4 pennies would be rounded up. You aren't actually (on the whole) gaining or losing any money at all.   >3.) No machines take pennies. Fair enough. Not really the fault of the penny itself, but more so a fault of brash inflation.  This isn't about establishing guilt. Pennies are tools and symbols, if they don't serve their purpose, then maybe we should consider removing them.   >4.) Supposing the penny does get removed, the axe gets held above the neck of the nickle inevitably. Then the dime, and so on.   So?  >You'll also see a massive disruption in handling of accounting principles and tax rates due to being forced into /5 rates. All adjustable, yes, but it does cause a whole new mess of issues in it's own right.  This can be acknowledged. One might take issue with massive, but a transition would not be free of labor and education costs.   >5.) Lincoln's face has nothing to do with this argument. 25 seconds worth of video wasted (that's about 35 pennies worth).  Maybe it didn't hit home with you, but the videographer obviously felt he was addressing someone's concern. The psychological impact of change or the not-strictly-scientificattachment to traditions or history would have to be taken into account in a fair evaluation of implementing a big change."


"Salaries normally shouldn't fluctuate with inflation and deflation... Inflation prevents consumers from spending (prices get too high), ultimately taking money out of circulation. This causes the market to go in to deflation (or at least deflate back to normal). That's when people begin to spend again, and start the cycle all over again. Now... Imagine if salaries increased with inflation... Inflation would never end. Everyone could keep affording the high prices. A Starbucks coffee would eventually cost $150, but the ""middle-class"" would all be millionaires. Your ""small-change"" would consist of a wad of useless bills, and the government would have to continually print out more money just to keep up. NOTE: This is not a direct answer to ""where goes delta?"", but would more be directed to the part ""Prices go up and salary doesn't""."


A Standby Letter of Credit was required by a company in UAE to import Gold Dust from a supplier in South Africa, but they do not have enough cash flow to obtain the Standby LC from their Bank. They found Bronze Wing Trading & availed their required SBLC MT760 without any Financial Collateral.


Not a financially sound decision in my humble opinion. Basically, you are prepaying your taxes and the only reason you want to do that is if you don't have the discipine to save that money for when it is time to pay next year (assuming you will have to).


Capital gains tax is an income tax upon your profit from selling investments. Long-term capital gains (investments you have held for more than a year) are taxed significantly less than short-term gains. It doesn't limit how many shares you can sell; it does discourage selling them too quickly after buying.  You can balance losses against gains to reduce the tax due. You can look for tax-advantaged investments (the obvious one being a 401k plan, IRA, or equivalent, though those generally require leaving the money invested until retirement). But in the US, most investments other than the house you are living in (which some of us argue isn't really an investment) are subject to capital gains tax, period.


The number is a bit higher than what it seems. Its not like they fired 35,000 people. But by franchising the restaurants out, all the employees that worked at each location are now employees of the franchise owners. Not Burger King directly. So it reduced the number of employees burger king corporate has to maintain, but those people are still employed at burger king.  Just clearing that up in case someone thought they literally fired 35,000 people.


Madagascar would seem to be a better comparison of what a country would look like if colonized by Africans rather than Europeans.  In fact, when Africans first crossed over the Mozambique channel to reach Madagascar, they found there were already an indigenous population living there (who had come from Borneo/SE Asia) centuries prior.  This is very similar to how Europeans found Native Americans.  So, how is Madagascar doing?  Somewhat better than Zimbabwe, but only barely.  https://en.wikipedia.org/wiki/List_of_African_countries_by_GDP_(PPP)_per_capita


It has a bit of a learning curve, but I like GNU Cash. (And since it open source, it's free!)


Tesla was founded in 2003.  In those 14 years they have managed to build a complete car company, fight a lot of regulatory nonsense off, ship the two incredible production electric vehicles and other products, and build out a network of dealers and charging stations.  That is and insane feat.  So what if they missed some deadlines, that is going to happen when you consider the scale they are working at.


"This is a great question, considering that all of your expenses including PITA, Maintenance, etc. are paid by a tenant, your cash flow is $0. Most people would stop and assume your investment is not performing and your only chance at making money is through appreciation. Your question eliminates appreciation so here are the returns you would get on your investment. The math will probably surprise many that you are actually earning a return on your money.   Annual Return = [((Future Value)/(Initial Investment))^((Periods per Year)/(Number of Periods) -1]*100 % 5.51% = [($200,000/$40,000)^(12/360)-1]*100 % As Chris Rea commented: The subtlety that some would miss is that while ""income covers expenses exactly"", embedded in the ""expenses"" is actually a repayment of the loan principal (and technically, that's not an ""expense"") so not all of the income is ""lost"" covering the ""expenses"". That repayment of principal portion of the rental income constitutes the return on the original capital invested."


What it is trying to describe is the psychology around the current price of the stock.  In candlestick charts for example, if you get what is called a Bearish Engulfing Candle (where the open is higher than the previous day's close and the close is lower than the previous day's open) at the top of an uptrend, this could mean that the top may have been reached and the bears are taking over the bulls. A Bearish Engulfing candle is seen as a bearish reversal pattern, as the bulls start the day by opening the stock at a higher price than yesterday's close, but by the end of the day the bears have taken over as the price drops below yesterday's open. This reversal pattern can be even more pronounced and effective if it coincides with other chart indicators, such as an overbought momentum indicator. If you want to learn more look up about the Psychology of the market and Candlestick Charting.


As a general rule, you must choose between a mileage deduction or an actual expenses deduction.  The idea is that the mileage deduction is supposed to cover all costs of using the car.  Exceptions include parking fees and tolls, which can be deducted separately under either method.  You explicitly cannot deduct insurance costs if you claim a mileage deduction.   Separately, you probably won't be able to deduct the deductible for your car as a casualty loss.  You first subtract $100 from the deductible and then divide it by your Adjusted Gross Income (AGI) from your tax return.  If your deductible is over 10% of your AGI, you can deduct it.   Note that even with a $1500 deductible, you won't be able to deduct anything if you made more than $14,000 for the year.  For most people, the insurance deductible just isn't large enough relative to income to be tax deductible.   Source


The 1 for 1 split could be the case where a company is being split into two parts. The new part may be spun off, or sold to another company. Any time a company splits into two parts, the ratio of the resulting companies needs to be determined.


From my POV, if the title doesn't match the skills listed as requirements and the pay is below what it should be I just won't apply.  Younger me would, then would snub the HR team after they get huffy when my first question is will you pay X with YZ benefits potentially? If not let's just stop talking to each other now.   Older me is too busy and too grumpy to waste my time with incompetent HR, tell me what you want and I'll apply if it fits. If I have to guess it's probably a safe assumption that you don't know or are hoping for a skilled worker for peanuts and I've got no reason to bother with you. /rant  I get the 'reason' HR does this, now you'll have to accept less qualified candidates are going to apply because it's not worth your bullshit.


Oh, that's neat I guess.  I didn't even know about that feature.    I just wish there was a good playlist system.  Let me add new mixes to a playlist so I can just hit go on that instead of hunting in the list for them.


"i know that hedge funds shouldn't be compared with index funds. they do different things. they serve different functions. but when the headline is they are reporting big gains, and then they report that ""Ken Griffin’s main Wellington and Kensington funds at Citadel rose almost 7 percent."" YTD, and ""Andreas Halvorsen’s Viking and an equity-focused quantitative fund at Renaissance are up more than 9 percent this year through July"" as reporting ""Big Gains"" it's a little silly when an index fund like SCHB is up 10.7% YTD with an ER of 0.03."


Do people think that tv is really  that bad? The percentage of good shows is shrinking due to the number of channels, but there are some absolutely amazing shows on right now. The internet itself isn't providing many original shows at the moment.


Martha Stewart went to jail for conspiracy, obstruction of an agency proceeding, and making false statements to federal investigators. The judge threw out the securities fraud charge.  She wasn't punished for insider trading. She only served 5 months because she tried to cover it up.


I'd remove any mention of Facebook,  or social media , list instead real world social skills and activities , a recreational activities section is fine . Gym , book club ect . Presumed if your under 40 you can Facebook  Presumed if your intiveiwer is over 40 they hate it


I ignored nothing. Click the Wikipedia link I provided, sort by UN R/P 10%, in descending order. Now look at the top 30. Overlap with the top 30 on the [HDI](http://en.wikipedia.org/wiki/List_of_countries_by_Human_Development_Index)? Zero.  As for your anecdote... the fact that you try to justify a sweeping statement about *international economics throughout history* - and one that happens to contradict just about every piece of data in existence - by talking about your own, personal experiences gives me the distinct impression that talking economics with you might just be a waste of time.


A kohler power solution generator gives numerous ideal conditions to the customer. Exactly when your home loses control for whatever component, the generator will rapidly and by and large switch on and offer your home the power for essential things, for instance, circulating air through and cooling, lights, and whatever else you may require. This can be to an incredible degree pleasing in emergency situation conditions. Among the remarkable parts of current generators is that they are delivered to rapidly switch on when power is lost. This shields you from hoping to vacillate around neglectful or leave your family in an emergency circumstance. With such advances being developed you not have to reel around careless endeavoring to find electric lights just to find that they have no batteries or stress over fire lights which may realize flares. All these unneeded things are not exactly as of late hazardous however risks to your security are. A crisis control arrangements may demonstrate security for your family in an occasion that power takes off.


> Close proximity to an international airport and major roads  That tells me that they probably want to include a major fulfillment center.  With that in mind I would expect it to end up within a few hundred miles of St. Louis.


"The benefit of having gold to trade is that there is almost always someone that will take gold when the fiat currency is in trouble.    The potential downfall of doing this is that when people think the fiat currency is in trouble, they tend to buy up gold, thus driving up the price.  This means that you get less gold for each hour of work you perform (deer-haunch, basket of apples, etc.).    Even more, if the financial crisis is limited to only one fiat currency, you have a situation where that fiat currency devalues but others can gain in value as people try to sell their old currency for the new standard currency.  If people also sell their gold to buy up this currency, that lowers the price of gold in that currency.    For example, let us assume that gold was 1000 dollars an ounce and 1000 euros an ounce.  Suddenly, people start thinking that the euro is in trouble, so they start buying gold.  The law of supply and demand kicks in (more buyers, same supply, so higher prices) and gold is suddenly worth 2000 dollars and 2000 euros an ounce.  If you start buying at this point, you get half as much gold as the person who bought in the beginning.  Suddenly, the euro collapses.  Stores that used to take euros start demanding dollars.  Suddenly, it costs 20,000 euros for an ounce of gold but an ounce of gold will only get you 1,000 dollars since everyone is selling their gold to get dollars.    The people who buy gold in the ""panic"" end up losing half the value of their money if not more.  The ""speculators"" that bought gold at $1,000, sold it at $2,000, and bought it back at $1,000 now have all their gold back plus the $1,000 the other people lost."


My experience exactly. Over the past two years I had near perfect service with AA. The last 2 months have been unbelievably bad, always due to some maintenance issue. The only upside has been the miles they have awarded me for my inconvenience. Perfect, miles for an airline I don't want to fly anymore.


* 2007 Accountant communicate with bosses about the ethical problem and possible illegal practices * Next years, Accountant work in complicated work environment ending with superiors retaliated against him for speaking out * 2012 Accountant hand over to IRS, and OSHA, a 137 pages of document proving how Cat swift billions in profit to Switzerland to avoid U.S. taxes * 2012 Accountant quits company * 2013 IRS concluded on abusive tax and demanded $ 2 billion * 2014 a U.S. Senate investigative committee, grilled executives and concluded the company had avoided taxes on more than $8 billion in revenue. * February 2017,  “I love Caterpillar,” President Orange Donald Clown says. * March , 2017, the IRS, Department of Commerce, and Federal Deposit Insurance Corp. raid Caterpillar headquarters, warehouses and datacenter.  * IRS standards payment is 15% to 30% of what it collects.


Thanks for your reply, Sarah!  I am sure there is no significance in the Washington Post disclosing that it is owned by Jeff Bezos, but my point is that if the patent was created for a cunning plan, I highly doubt Jeff would have let the cat out of the bag in this way, especially by a newspaper organization that he owns. As the other individual mentioned, I just think this is Bezos's flexing his muscles to other competitors--heck, he may even attempt to sell the innovation for a whopping amount of money.  Believe me, I LOVE innovation as well. I think it plays an instrumental role in society. However, there are some innovations that are detrimental to us as a people, even if it may seem infinitesimal at the moment. If you haven't noticed, but the more technology that is created, the less privacy we have, the dumber we become and the more jobs we lose to automation.   If Amazon succeeds and generates umpteen profit from operations at Whole Foods via electronic (automation) means, I see Wal-Mart coming back harder with automation services, which will prove detrimental to jobs.


As BrenBarn stated, tracking fractional transactions beyond 8 decimal places makes no sense in the context of standard stock and mutual fund transactions.  This is because even for the most expensive equities, those fractional shares would still not be worth whole cent amounts, even for account balances in the hundreds of thousands of dollars. One important thing to remember is that when dealing with equities the total cost, number of shares, and share price are all 3 components of the same value.  Thus if you take 2 of those values, you can always calculate the third: (price * shares = cost, cost / price = shares, etc).  What you're seeing in your account (9 decimal places) is probably the result of dividing uneven values (such as $9.37 invested in a commodity which trades for $235.11, results in 0.03985368550891072264046616477394 shares).  Most brokerages will round this value off somewhere, yours just happens to include more decimal places than your financial software allows. Since your brokerage is the one who has the definitive total for your account balance, the only real solution is to round up or down, whichever keeps your total balance in the software in line with the balance shown online.


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For #1, I see no advantage in putting money from your non-retirement savings into a Roth just for the purpose of using it as a down payment on your house.  Why not just put the $5.5K directly toward the down payment? For #2, dollars converted from a traditional 401K or IRA to a Roth are considered income, and will be taxed at your marginal rate.  So if your marginal tax rate is 25%, you will need to pay $5K in order to convert the $20K.  Usually this payment is done independent of the conversion amount--in other words, you would convert the full $20K but pay the $5K in taxes out of other funds (checking/savings). Based on your stated goals of using the money for a down payment on a house, I don't see any advantage to contributing (or converting) to a Roth IRA.


"Thank you for your reply.  >innovation in tech  Does that mean in laymen terms:  inventing new tech or improve existing technology? Basically like inventing a car (if cars weren't invented yet) or BMW improving their models each year.   ---   I started to google innovation in tech. So much things I have absolutely no idea about just keeping moving around me in light-speed. What are some examples of technology that are vital to this new ""technology-race,"" I feel like is happening with the world. Is that a thing or am I delusional?"


When it comes to property investing, there are indeed a couple of important things to consider. Even property professionals must know some significant info in order to ensure that they will get the right property for a certain investor. Thank you for sharing this site. I definitely learned more info regarding property investments.


A fundamental problem with all these studies is that everyone knows they're going to end, which affects their behavior and what they do with the money. UBI is one of those things that can't be truly judged until it's actually done, for real.


"The problem with this story is it's basically saying run your business like betting on the lotto.  Just because there's anecdotal evidence that a ""Bob"" *MIGHT* grace your company doesn't mean you should sell the company trying to please every customer.   For every one company that bumps into a ""Bob"" there are thousands who helping those disgruntled customers drive the business into the ground.  This is not to say that companies shouldn't try to go above and beyond.  It's just above and beyond should be controlled.  For example, if I were to own a restaurant and I see a customer drop food on the floor, I would enable my wait staff to clean it up and give free food as a replacement.  But I would also limit this.  If the customer starts THROWING FOOD AT THE STAFF, I would also enable the staff to kick the mother fucker out.  Sure the customer might be a ""Bob"" and come back later with 4 million dollars to give me, but I'd prefer my staff keep their fucking dignity."


I always considered the fast casual criteria to be a lack of a drive-thru and food prepared after you order, I never thought the decor factored into it.  The Smashburgers I've been in weren't much fancier than Five Guys, and most Chipotles are relatively plain as well.  Meanwhile, the decor of most new Culvers are just as nice or nicer than Panera and the like.


As these all seem to be US Equity, just getting one broad based US Equity index might offer similar diversification at lower cost. Over 5 years, 20 basis points in fees will only make about 1% difference. However, for longer periods (retirement saving), it is worth it to aim for the lowest fees. For further diversification, you might want to consider other asset classes, such as foreign equity, fixed income, etc.


No one here said doctors were infallible, so you're fighting your own strawman, as usual.   Points raised were  1. Efficacy of aspirin. To which you said doctors were bad at stats, irrelevant to the question of efficacy of aspirin.   2. Doctors are likely better at stats than the average person.   Then to back up your strawman you post an article about stats related specifically to cancer screening, not apsirin or to doctors compared to the general public. You sure defeated that strawman.  And the beauty of your reasoning? Trying to argue with the poster about the efficacy of aspirin, you said doctors were bad at stats, yet in the article you posted, who do you trust to talk about doctors statistical skill? Other doctors using statistics!   So apparently the statistics of doctors only are trustworthy when they support your point but not when they don't support your point. You are an amazing collection of logical inconsistencies. And inability to answer a question on topic.  Your logic is baffling. It is as if you expect  people to believe you because you post a lot of peripheral things, and  you confuse strawmen you introduce as the main point and then keep defeating it. This is almost as beautiful as you trying to defend your claim a few days ago that India has more people than China.  Here's a tip on what might be useful evidence   1. Show that the evidence for or against aspirin is sound or unsound, not by ad hominem on the whole class of doctors, but by looking at the actual evidence.  2. Find statistical literacy for doctors and average people, either through some large survey or test, and compare them. Or even make a plausible argument why doctors would be worse than average.   Good job, Plato. Excellent display of logic.


The individuals working for them don't have to be personally evil for the companies to have a net negative effect on society. People are right to be concerned about further concentration of power, and if occasionally their hatred for these companies' policies and policymakers seems like hatred for front-line workers, it's important to keep the relative size and impact of these problems in perspective.


Revenue Canada allows for some amount of tax deferral via several methods. The point is that none of them allow you to avoid tax, but by deferring from years when you have high income to years when you have lower income allows you to realize less total tax paid due to the marginal rate for personal income tax. The corporate dividend approach (as explained in another answer) is one way. TFSAs are another way, but as you point out, they have limits.  Since you brought TFSAs into your question: About the best and easiest tax deferral option available in Canada is the RRSP. If you don't have a company pension, you can contribute something like 18% of your income. If you have a pension plan, you may still be able to contribute to an RRSP as well, but the maximum contribution amount will be lower. The contribution lowers your taxable income which can save you tax. Interest earned on the equity in your RRSP isn't taxed. Tax is only paid on money drawn from the plan because it is deemed income in that year. They are intended for retirement, but you're allowed to withdraw at any time, so if you have little or no income in a year, you can draw money from your RRSP. Tax is withheld, which you may or may not get back depending on your taxable income for that year. You can think of it as a way to level your income and lower your legitimate tax burden


"As littleadv says, Form W7 is the right one.  Under ""Reason for applying"" you could select (e): Spouse of U.S. citizen/resident alien.  See additional details in the form instructions.  This would be an option after you are married.  Note that the top of the form states in bold italics that ""An IRS individual taxpayer identification number (ITIN) is for federal tax purposes only.""  It may be worth editing the question to reference your assertion that an ITIN can be used for credit card applications."


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That's only been as recently as this decade. Still true though. I think we have done a great job of mitigating this threat.   IMO this dynamic I've described is still in the minds of many people. Maybe its not true anymore, and maybe it never was to this degree, but that's what we were told in a way. That's why its so heavily scrutinized more so than wheat/food.


You don't need credit cards but there are few benefits, if you pay them off right away I assume you do have a debit card, since sometimes (like unattended gas stations or shopping on the web) cash is not accepted.


I think you misunderstand me: the EITC is not objectionable. But reducing the taxation burden on low-income people, or reducing barriers to paying it out are something Republicans are just as opposed to as they are to increases in the minimum wage.  Because they don't give a fuck about poor people. Leftists don't complain about the EITC being corporate welfare either. They might oppose it because it puts an undue administrative burden on poor workers. Whereas a minimum wage gives more money to poor people by giving them more money.


I've even working on a valuation of Netflix as a school project lately and by far their greatest risk right now is their schizophrenic management. They have been aggressively expanding overseas and are expected to take losses this year because of it; however, of management doesn't get their goals aligned, those losses could extend further than expected.


From the 1099 instructions: File Form 1099-MISC, Miscellaneous Income, for each person to whom you have paid during the year Your accounting method doesn't matter. You file 1099 for the year you paid the money.


It's so short sighted. It is a yuuuggge, gift-wrapped present for China. Now, China will step into the leadership role that the US just ceded. With that role comes huge economic opportunities as well as massive political points at home with their own people (who are the real drivers behind China's desire to reduce emissions).  You can deny climate change exists, but the market has spoken folks. Green energy will be transformative to the economy. Thus, Trump's push to hold onto last century's technology, energy and jobs is a bad move and one that will ultimately cost all of us. Meanwhile, China will push further and further ahead in that space and benefit from the economic gains that come with being the defacto leader in the climate change fight.


In an ideal world Say on 24th July the share price of Apple was $600. Everyone knows that they will get the $ 2.65 on 16th August. There is not other news that is affecting the price. You want to go in and buy the shares on 16th Morning at $600 and then sell it on 17th August at $600. Now in this process you have earned sure shot $2.65/- Or in an ideal world when the announcement is made on 24th July, why would I sell it at $600, when I know if I wait for few more days I will get $2.65/- so i will be more inclined to sell it at $602.65 /- ... so on 16th Aug after the dividend is paid out, the share price will be back to $600/- In a real world, dividend or no dividend the share price would be moving up or down ... Notice that the dividend amount is less than 1% of the stock price ... stock prices change more than this percentage ... so if you are trying to do what is described in paragraph one, then you may be disappointed as the share price may go down as well by more than $2.65 you have made


You probably have a UMTA/UGMA account. While the money in that account belongs to you, as long as you're a minor (which is until the age of 18, in California) - you cannot directly access it. Instead, your parent(s) or guardian(s) or any other trustee manages that account for you, with your best interests in mind. While you may want to spend that money or give it away to your boyfriend or whoever else, it is very likely not in your best interest to do that. That is why your dad refuses. He has a legal responsibility, which is called fiduciary duty, to ensure the money is spent in a way that is best for you. If the fiduciary just lets you spend the money away - you could later, when you're no longer a minor, sue that person for the breach of trust. When you're older and a bit more mature you'll be able to make your own decisions and do whatever you want with that money. But as long as your parents have the responsibility to act in your best interests, it is likely that your boyfriend will stay in Pennsylvania for a while.


You do not have to wait 5 years from when a particular dollar was earned to withdraw it. To be a qualified distribution from a Roth IRA, A) the Roth IRA must have been opened for 5 years (which yours was), and B) you must be 59.5 years old, or meet one of the other exceptions (and $10,000 for a first-time home purchase is one of the exceptions). Since it is a qualified distribution, there is no tax or penalty.


Literally only bought Motorola for the patents. Sold to Lenovo without them. Also, they're only buying the HTC smartphone manufacturing devision - not the brand. Probably want to be able to manufacture next year's pixels in house, and this is easier than building up an entire manufacturing devision yourself. The acquisition is getting my hopes up that they're coming out with their own SoC that's been rumored forever within the next year or two.


Very grey area. You can't pay them to run errands, mow the lawn, etc. I'd suggest that you would have to have self employment income (i.e. your own business) for you to justify the deduction. And then the work itself needs to be applicable to the business. I've commented here and elsewhere that I jumped on this when my daughter at age 12 started to have income from babysitting. I told her that in exchange for her taking the time to keep a notebook, listing the family paying her, the date, and amount paid, I'd make a deposit to a Roth IRA for her.  I've approaches taxes each year in a way that would be audit-compliant, i.e. a paper trail that covers any and all deductions, donations, etc. In the real world, the IRS isn't likely to audit someone for that Roth deposit, as there's little for them to recover.


Small cap and mid cap shares tend to outperform large cap shares in a bull market, but they tend to underperform large cap shares in a bear market. Since the stock markets tend to go up in the long term, this suggests that a low cost small and mid cap index ETF should offer the best long term returns.   Having said that, we are currently in a mature bull market having experienced over seven years without encountering a bear market.  If a bearish outlook is something you worry about, then perhaps a broad market index, which will be heavily weighted towards large cap shares, may be a better choice for you at this time, with an eye toward switching to small and mid cap indices during the next bear market.


The insurance company issued the check.  I'd contact the insurance company to have the current check voided and a new one issued to the pharmacy.


I wonder if your rational thinking is getting confused by the prospects of getting some deposit from that person? He needs, amongst other things : •online access username  •online access password  Ok, so you have 1000 in your account. They deposit 500 and you are happy. Then they take out all 1500 and you're done :) How can you not think it is a scam when you're giving them your login as well. Here is an analogy. Some stranger asks you for keys of your home (while you're away) and tells you he will just go in place a gift inside your door and go away. Would you give him your keys and come home later expecting a gift to be there and nothing taken away? Is it a scam if the person only wants to deposit into my account, not make a withdrawal? Who is to tell? P.S: Sorry, please don't mind the rest of this answer but from it could also be related to a new relationship that you are in. Going ahead with this might cause you a lot of emotional harm as well. You seemingly trust that person when there are obvious signs that you are being defrauded, possibly in the name of love.


Firstly, you mean resistance not support, as a support is below the current price and resistance is above the price. Secondly using a MA as support or resistance would mean that that support or resistance level would move up or down as the price moved up or down and would not be static at $25. Generally stocks will range trade more often than they will be trending (either up or down), so a stock can be range trading between a support and resistance levels for months and even years, and usually the longer it range trades for, the bigger the outbreak (either up or down) will be when it does happen. Using a MA (especially shorter dated ones) as support or resistance (or as a up or down trend line) works better when a stock is already trending up or down. When a stock is moving sideways it will tend to keep crossing above and below the MA, and you will be whipsawed if you try to use them as your trigger for entry in these situations. Compare the two charts below:  In the first chart the stock is up-trending for over 6 months and the 50d EMA is being used as a support or up-trending line. As long as the price does not break through and close under the 50d EMA then the uptrend continues. You could use this EMA line as a means of entering the stock when prices move towards the EMA and bounce off it back up again. Or you could use it as your stop loss level, so if price closes below the EMA line you would sell your position.  In the second chart, the stock has been range trading between the support line at about $21.80 and the resistance line at about $25.50 for 10 months. In this case the price has been moving above and below the 50d EMA during these 10 months and you may have been whipsawed many times if you were trading each break above or below the 50d EMA. A better strategy here would be to buy the stock as it approached the support line and bounces up off it and then close and reverse your position (go short) when the price approached the resistance line and bounces down off it.  Edit: When range trading you would have your stops just below the support line when going long and just above the resistance line when going short, that way if it does break through support or resistance and starts trending you will be covered. So this shows that different strategies should be used when a stock is trending to when it is range trading. MAs are better used as entry signal during an established uptrend or downtrend than when a stock is range trading.


Ok you're looking at this in a very confusing way. First, as said by CapitalNumb3rs, the dividend yield is the dividends paid in the year as a percent of the stock price. Given this fact then if the stock price moves down and the dividend stays the same then the yield increases. Company's don't usually pay out on a yield basis, that's mostly just a calculation to measure how strong a dividend is. This could mean either A. The stock is underpriced and will rise which will lower the yield to a more normal level or B. the company is not doing as well and eventually the dividends will decrease to a point where the yield again looks more normal.   Second off let's look at it in a more realistic way that still takes into account your assumptions:  **YEAR 1** 1. Instead of assuming buying 35% let's put this into a share amount. Let's say there are 1,000,000 shares so you just bought 350k shares for $700k. You paid a price of $2/share. Let's assume the market decides that's a fair price and it stays that way through the end of year 1. This gives us a market capitalization of $2 million.  2. The dividend paid out at year 1 is $60k so you could calculate on a per share basis which would be a dividend of $60k / 1 million shares or a $0.06 dividend per share. Our stock price is still at $2.00 so our yield comes out to $0.06 / $2.00 or 3.0%  **YEAR 2** Assuming no additional shares issued there are still a total of 1 million shares outstanding. You owned 350k and now want to purchase another 50k (5% of outstanding share float). The market price you are able to purchase the 50k shares at has now changed which means that share price is now valued at $1.50 / share. We have a dividend paid out at $100k, which comes out to a dividend per share of $0.10. We have a share value of $1.50 and the $0.10 dividend per share giving us a new yield of 6.66%.   **CONCLUSION:** There are many factors that can cause a company's stock price to fluctuate, some of it is hype based but some of it is a result of material changes. In your case the stock went down 25%. In most scenarios where a stock would have that much decline it would likely either not have been paying a dividend in the first place or would maybe not be paying one for much longer. Most companies that pay dividends are larger and more mature companies with a steady, healthy and predictable cash flow. Also most companies that are that size would not trade a stock under $3.00, I know this is just an example but the scenario is definitely a bit extreme in terms of the price drop and dividend increase. Again the yield is just a calculation that depends on the dividend that is usually planned in advance and the stock price that can fluctuate for many reasons. I hope this made everything more clear and let me know if you have any other questions.


"OO = online only  It is funny to watch the know-nothing millennial tech professionals try and figure shit out like OO (***Q:*** ""Why do I need a mattress store?"") The people that are buying these mattresses are under 30, tech/sales, *sans* car, micro-tenancy, tech culture, etc. More importantly, the millennials are probably the least intelligent ""consumer"" generation but highest consumption rate of ""goods"". The OO mattress companies success/failure ratio is predicated on one thing; brand propigation and conformity (imitation) of lifestyle through contrived advertisements. Couple this with poor reasoning skills (consumption, ""intrinsic value"") of your typical millennial consumer and voila!  ***A:*** For something you'll spend a 1/3 of the time on for however you long you own it, you definitely want to evaluate it as you'll use it.  And you know capitalism is corrupt so expect nothing from OO mattress brands. But I'd like to add that if your common sense does not lead you to the mattress store, you're likely fairly idiotic and peculiar to begin with."


In my experience of doing software development for a little longer than I care to remember, salaries are always assumed to be negotiable. I know you said you don't like haggling (a lot of people don't) but you'll have to get used to that and you might have to be a little more flexible. Being able to negotiate something as important as your salary is a very important skill. That said, there might be several reasons why they're not willing to offer more: Here's what I would do:


> one of the most highly leveraged  Not even close.  In general joint retail-investment banking institutions are less leveraged than primary IB's.  BOA is sitting at a T1CR under Basel III of 8.1%.  JPM  9.18%  DB  7.2  MS  8.5%  GS  7.3%  UBS  8.8%  This is all as of Q2 reports.


Fractional reserve banking is all fine and dandy, however allowing banks to use savings accounts and checking accounts for high-risk investments is the real insanity.  Fiat currency is what you're getting at being 'broken' as it is inherently a political tool.


There is already a surplus.  That's why those surpluses can be sold.  That said, farmers will only allow prices to get so low before they stop production on the one crop they can get paid to not grow and live off of their subsidies.


Generally a credit union will tend to have lower rates, since they are owned by the members, and not having to make a profit for some rich bankers or a bunch of shareholders.  OTOH their funds are often more limited than a bank, and they may be pickier about who they loan to. still that's just 'generally', it always pays to shop around


"This question has the [united kingdom] tag, so the information about USA or other law and procedures is probably only of tangential use. Except for understanding that no, this is not something to ignore. It may well indicate someone trying to use your id fraudulently, or some other sort of data-processing foul-up that may adversely impact your credit rating. The first thing I would do is phone the credit card company that sent the letter to inform them that I did not make his application, and ask firmly but politely to speak to their fraud team. I would hope that they would be helpful. It's in their interests as well as yours. (Added later) By the way, do not trust anything written on the letter. It may be a fake letter trying to lure or panic you into some other sort of scam, such as closing your ""compromised"" bank account and transferring the money in it to the ""fraud team"" for ""safety"". (Yes, it sounds stupid, but con-men are experts at what they do, and even finance industry professionals have fallen victim to such scams) So find a telephone number for that credit card company independently, for example Google, and then call that number. If it's the wrong department they'll be able to transfer you internally. If the card company is unhelpful, you have certain legal rights that do not cost much if anything. This credit company is obliged to tell you as an absolute minimum, which credit reference agencies they used when deciding to decline ""your"" application. Yes, you did not make it, but it was in your name and affected your credit rating. There are three main credit rating agencies, and whether or not the bank used them, I would spend the statutory £2 fee (if necessary) with each of them to obtain your statutory credit report, which basically is all data that they hold about you. They are obliged to correct anything which is inaccurate, and you have an absolute right to attach a note to your file explaining, for example, that you allege entries x,y, and z were fraudulently caused by an unknown third party trying to steal your ID. (They may be factually correct, e.g. ""Credit search on "", so it's possible that you cannot have them removed, and it may not be in your interests to have them removed, but you certainly want them flagged as unauthorized).  If you think the fraudster may be known to you, you can also use the Data Protection Act on the company which write to you, requiring them to send you a copy of all data allegedly concerning yourself which it holds. AFAIR this costs £10. In particular you will require sight of the application and signature, if it was made on paper, and the IP address details, if it was made electronically, as well as all the data content and subsequent communications. You may recognise the handwriting, but even if not, you then have documentary evidence that it is not yours. As for the IP address, you can deduce the internet service provider and then use the Data Protection act on them. They may decline to give any details if the fraudster used his own credentials, in which case again you have documentary evidence that it was not you ... and something to give the police and bank fraud investigators if they get interested. I suspect they won't be very interested, if all you uncover is  fraudulent applications that were declined. However, you may uncover a successful fraud, i.e. a live card in your name being used by a criminal, or a store or phone credit agreement. In which case obviously get in touch with that company a.s.a.p. to get it shut down and to get the authorities involved in dealing with the crime. In general, write down everything you are told, including phone contact names, and keep it. Confirm anything that you have agreed in writing, and keep copies of the letters you write and of course, the replies you receive. You shouldn't need any lawyer. The UK credit law puts the onus very much on the credit card company to prove that you owe it money, and if a random stranger has stolen your id, it won't be able to do that. In fact, it's most unlikely that it will even try, unless you have a criminal record or a record of financial delinquency. But it may be an awful lot of aggravation for years to come, if somebody has successfully stolen your ID. So even if the first lot of credit reference agency print-outs look ""clean"", check again in about six weeks time and yet again  in maybe 3 months. Finally there is a scheme that you can join if you have been a victim of ID theft. I've forgotten its name but you will probably be told about it. Baically, your credit reference files will be tagged at your request with a requirement for extra precautions to be taken. This should not affect your credit rating but might make obtaining credit more hassle (for example, requests for additional ID before your account is opened after the approval process). Oh, and post a letter to yourself pdq. It's not unknown for fraudsters to persuade the Post Office to redirect all your mail to their address!"


There are quite a few things here; Edit: If you are away for 2.5 Years, you are NRE. Your situation is slightly tricky in the sense that you are getting a salary in India for doing work outside. Please consult a professional CA who can advise you better. If you were not getting an Indian salary, then whatever you earn outside India is non-taxable and you can transfer it into your NRE account. As per regulations an NRI cannot hold a savings account. Point 3 is more applicable if you are on a short visit.


As others have addressed the legality in their answers, I want to address the idea of the dealership being 'a middleman'. A dealership serves more of a purpose than just 'middlemanning' a car to a consumer. Actually, they consume a great deal of risk. Let's remember that a dealership is really an extension of the OEM, albeit independently owned and operated, the dealership must still answer to the brand they represent, if people have a bad experience with a dealership, a customer might go to another of the same brand, but more often than not they will go to the competition out of spite. Therefore, it's in the dealership's best interest to represent the brand as best as possible, but unfortunately that doesn't always happen.  While the internet has made a certain part of a salesman's role null and void, and since this is a finance (read money) Q/A site let's take a moment to consider the risk assume and therefore the value added by a dealership: Test Drive. A car is a huge purchase, and while it's okay to buy a pair of shoes online without trying them on, a car is a bit different of course, we want to make sure it 'fits' before we shell out several thousand dollars. Yes, you (meaning consumers) can look at car pictures and specs online, but if you want to see how that vehicle handles on your town's roads, if it fits in your garage and/or driveway, then you need to take it for a test drive. It's not feasible for OEMs to have millions of people showing up to car plants for a test drive, right? Scalability aside, some business that is handled in automotive plants are confidential and not for the general public to know about. A dealership provides an opportunity for those who live locally to see and experience the car without flying or driving wherever the car was assembled. They provide this at a risk, banking on the fact that a good experience with the vehicle will lead to a sale. Service. A car is a machine, and no machine is perfect, neither will it last forever without proper service. A dealership provides a place for people to bring their vehicles when they need to be serviced. Let's set aside the fact that the service prices are higher than we'd like, because the fact remains most of it is skilled (and warrantied) labor that the majority of people don't want to do themselves. Trade Ins. It is not in an OEMs best interest to accept a vehicle just to sell you another vehicle, especially if that vehicle is from another brand. Dealership's assume this risk, and often offer incentives to do so, hoping it will lead to a sale. That trade in was an asset to you, but is a liability to them, because they now have to liquidate that trade in, just so that you can purchase a car. Sure, you could sell your car yourself, and now you would assume that risk: What if your car is not in perfect shape, or has a lot of miles for it's age? Would it do well in the used car market? What if it takes too long to sell and you miss that Memorial Day car sale at the dealer? This might be okay for some, but generally speaking most people would rather avoid the risk and trade it in at the dealer toward the purchase of a new car rather than the headache of selling it themselves. I'm sure there are more, but those are the one's that immediately sprung to mind. Just like Starbucks, there are terrible dealerships out there and there are great ones, and very few of us venture to farms and jungles just for fresh coffee beans :-)


Assuming US. The only con that I know of is that hassle factor. You have to remember to sell when you get the new shares, and your taxes become a bit more complicated; the discount that you receive is taxed as ordinary income, and then any change in the price of the stock between when you receive it and you sell it will be considered a capital gain or loss. It's not hard to account for properly if you keep good records.


"Yeah, it unfortunately doesn't make sense to just retard the orders since they're trying to do two things: A) Avoid information asymmetry from their own market systems (ignoring the fact that they've completely cocked this up in relation to the SIP bit above), and B) Avoid information leakage before they, themselves, can move their own managed ""pegged"" orders off a collapsing inside (DPEG).  To achieve A both market data and order traffic need to be retarded, and for B, really you need the market data to be retarded."


And a few more options: (which both allow payments via mobile phone) And now Visa are getting in on the action.  This isn't live, but worth watching to see what their eventual offer is.


The raiders will still exist.  They just might move.  That's kind of a cheap bet.  Then there's Suzuki.  Are they claiming all of Suzuki will fold or just the car business?  As far as I knew they were still doing well with motorcycles.


I still don't understand the appeal of these devices, or why someone would want a device with a microphone on all the time in their house (yes, other technologies I use are tracking me in some form, but the Echo and similar products just seems a little 1984-ish for me)


I sold my Microsoft stock when they appointed him CEO (It was like $1000 worth.. nothing wild) because they hired an insider. I thought they needed an outsider.   It's up like 200% since he was hired... turns out he was an outsider all along..


This is extremely strange to me because my family grew up in poverty. We entered school with a much higher understanding based solely on the fact that we never had cable so educational programming like the magic school bus, wishbone and sesame street was all we could watch. From there is snowballed because learning became a form of entertainment.


Wasn't there an issue with rising minimum wages and the risk of automation. Wouldn't it be easier just to automate a burger dispense. It's probably more expensive but if it keeps doors open and business running or is it still too expensive to automate?


No. The value of the dollar will continue to decline, in turn adding to the value of gold. The current prices are not high for metals, although not rock bottom prices. Especially given what central banks are going to do. (QE).  We are nowhere near a gold bubble.


Long story short, we are currently in a set of asset and credit bubbles across many financial asset categories, driven by the tremendous amount of liquidity created by central banks with 0 interest rates and quantitative easing since 2008. The bitcoin bubble is pure financial speculation, a price increase in the thousands of percents is unsustainable. And the stock bubbles are enormous and exist across all major US indices, and indices abroad like the Nikkei 225.


Do developing country equities have a higher return and/or lower risk   than emerging market equities?  Generally in finance you get payed more for taking risk.  Riskier stocks over the long run return more than less risky bonds, for instance.  Developing market equity is expected to give less return over the long run as it is generally less risky than emerging market equity.  One way to see that is the amount you pay for one rupee/lira/dollar/euro worth of company earnings is fewer rupees/lira and more dollars/euros. when measured in the emerging market's currency?  This makes this question interesting.  Risky emerging currencies like the rupee tend to devalue over time against less risky currencies euro/dollars/yen like where most international investment ends up, but the results are rather wild.  Think how badly Brazil has done recently and how relatively well the rupee has been doing.   This adds to the returns (roughly based on interest rates) of foreign stocks from the point of view of a emerging market investor on average but has really wild variations. Do you have data for this over a long timeframe (decades), ideally for multiple countries? Not really, unfortunately.  Good data for emerging markets is a fairly new phenomenon and even where it does exist decades ago it would have been very hard to invest like we can now so it likely is not comparable. Does foreign equity pay more or less when measured in rupees (or other   emerging market currency)? Probably less on average (theoretically and empirically) all things included though the evidence is not strong, but there is a massive amount of risk in a portfolio that is 85% in a single emerging market currency.  Think about if you were a Brazilian and needed to retire now and 85% of your portfolio was in the Real.  International goods like gas would be really expensive and your local currency portfolio would seem paltry right now.  If you want to bet on emerging markets in the long run I would suggest that you at least spread the risk over many emerging markets and add a good chunk developed to the mix. As for investing goals, it's just to maximize my return in INR, or maximize my risk-adjusted return. That is up to you, but the goal I generally recommend is making sure you are comfortable in retirement.  This usually involves looking for returns are high in the long run, but not having a ton of risk in a single currency or a single market.  There are reasons to believe a little bias toward your homeland is good as fees tend to be lower on local investments and local investments tend to track closer to your retirement costs, but too much can be very dangerous even for countries with stronger currencies, say Greece.


The few years leading up to the bubble I remember following his articles and he very clearly said to steer clear of buying houses as there was a bubble brewing.  The book does not imply that it's always a good thing to buy a home.


As you can see by his username this guy works in IT.  I will explain for those who aren’t in the industry.  In IT demand for employees has never been higher.  It is crazy right now. This means it is hard to get talent, particularly good talent which can be many times more productive than bad ones.  Now Amazon is a tech company fundamentally.  What many may not realize is Amazon is also the world’s largest hosting platform too.  For example, Reddit and Netflix are on their systems.  So they aren’t just a store, they do a lot of everyone else's tech too.  This means they need a shit-tonne of good tech and related people.  So the location will likely hinge on where the can find good staff.  However, as OP just said Amazon has a terrible reputation in the industry.  So this makes this even more difficult as everyone hates them and no one will move for them, and they need a lot of good people which are in high demand elsewhere.  This is what their decision will rest on.  Tax breaks and all are perks, but they need to find 50,000 experienced employees to fill this thing, everything else is secondary.


If you are getting Linksys Router Login issues then contact us via our live chat window. We have also provided some troubleshooting tips on the website. Try the tips and if still the problem does not resolve, feel free to contact us.


"> 26 It’s about synergies/1 + 1 = 3 = I don’t get the math either, but it sounds like more and more is better, right?  This isn't correct. Synergies multiply, rather than add. That's where the increase comes from. You can see this with a cheap gradualistic combination lock, ie a lock that gives ""tells"" at each correctly guessed number. In that case, X + X + X tries are required to get the lock open, where X equals the numbers of characters on the dial, presuming a 3 numbered combination. If the lock is of high quality and doesn't give tells, the number of tries becomes X * X * X, which is much harder. This is a synergy. I'm assuming that you had to try ever number on the dial, which probably wouldn't be the case, but you get the idea. This is essentially how Turing defeated the German Enigma secret code machine in WWII.  Also, evolution is like a gradualistic combination lock, because the environment gives ""tells"", ie positive feedback to an organism that mutates in a way that favors survival. Dawkings shows this in one of his Christmas Lectures."


If she is unemployed / stay-at-home caregiver, you can squirrel away up to $5,500 in a spousal IRA.


If you keep the monthly payment the same, and the interest is lower; then you will be by definition overpaying the new loan therefore it will be paid off sooner. Based on some quick calculations it will be paid off approximately 5 years sooner. One advantage to the new loan is that you will have flexibility, you can drop the payment to the lower level for a few months because of a big financial problem and not be in default.


"When you say ""major"", I take it you're an undergrad? If so, how many years left do you have in your program? I ask because it might be worthwhile to major in math in lieu of - or in addition to - finance. It's unlikely that an undergraduate major in a business school will give you the technical skill-set necessary to do what you want. Also, if you want to do prop trading, learn as much statistics/econometrics as you can handle.   As for masters programs, I'm not really sure. MFE programs seem more aimed towards people working on the sell-side, e.g. as derivatives quants.  EDIT: I accidentally some grammar."


"This is the best tl;dr I could make, [original](https://www.vox.com/policy-and-politics/2017/6/27/15879346/study-high-minimum-wage-job-killer-seattle) reduced by 91%. (I'm a bot) ***** > Though there are sound theoretical reasons why a modest hike in the minimum wage might not depress employment, most economists agree that if you set the minimum wage high enough, at some point you will start destroying jobs.  > Arindrajit Dube, an economist at the University of Massachusetts Amherst who studies the minimum wage, has pointed out that Seattle&#039;s new minimum wage is not all that lavish when you take into account the city&#039;s high overall wages.  > The far more controversial interpretation of the University of Washington study is that it might overturn - or at least throw into doubt - much of the past two decades of research on the minimum wage.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6jwhip/the_controversial_study_showing_high_minimum/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~154334 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*: **wage**^#1 **minimum**^#2 **work**^#3 **study**^#4 **research**^#5"


"There is no formula that can be applied to most variations of the problem you pose.  The reason is that there is no simple, fixed relationship between the two time periods involved: the time interval for successive payments, and the time period for successive interest compounding. Suppose you have daily compounding and you want to make weekly payments (A case that can be handled).  Say the quoted rate is  4.2% per year, compounded daily Then the rate per day is 4.2/365, or 0.0115068 % So, in one week, a debt would grow through seven compoundings.  A debt of $1 would grow to 1 * (1+.000225068)^7, or 1.000805754 So, the equivalent interest rate for weekly compounding is 0.0805754% Now you have weekly compounding, and weekly payments, so the standard annuity formulas apply. The problem lies in that number ""7"", the number of days in a week.  But if you were trying to handle daily / monthly, or weekly / quarterly, what value would you use? In such cases, the most practical method is to convert any compounding rate to a daily compounding rate, and use a spreadsheet to handle the irregularly spaced payments."


Street name is not what you think it is in the question.  The broker is the owner in street name.  There is no external secondary owner information.   I don't know if there is available independent verification, but if the broker is in the US and they go out of business suddenly, you can make a claim to the SIPC.


Dexmet has been producing heating elements in a variety of materials for many years. The most common materials are INCO 600, Nickel, Copper and Kanthal, however since we expand all ductile materials; we can create a configuration for you in most any metal.


If you are from any university in NYC (other than for-profits) you have so much access to networking that you actually have a shot (slim, but still a shot) of breaking into the industry.  You should be reaching out and trying to connect with as many people in IBD as you can. At the gym, through friends/family, through school career center. When you contact them, your goal is to meet them face-to-face. That is the advantage you have over the kids from schools outside of the city and that is what will get your foot in the door.


Let's suppose your friend gave your $100 and you invested all of it (plus your own money, $500) into one stock. Therefore, the total investment becomes $100 + $500 = $600. After few months, when you want to sell the stock or give back the money to your friend, check the percentage of profit/loss. So, let's assume you get 10% return on total investment of $600.  Now, you have two choices. Either you exit the stock entirely, OR you just sell his portion. If you want to exit, sell everything and go home with $600 + 10% of 600 = $660. Out of $660, give you friend his initial capital + 10% of initial capital. Therefore, your friend will get $100 + 10% of $100 = $110. If you choose the later, to sell his portion, then you'll need to work everything opposite. Take his initial capital and add 10% of initial capital to it; which is $100 + 10% of $100 = $110. Sell the stocks that would be worth equivalent to that money and that's it. Similarly, you can apply the same logic if you broke his $100 into parts. Do the maths.


The best way to prevent blockage in your roof gutters is to install gutter guards, which effectively keep dirt, debris and foliage at bay to save your cleaning time. Himalayas Cleaning Services provides gutter guard installation Melbourne-based service for commercial and residential properties. Give us a call to get a free price quote.


I'm not, I think this is a good thing, I'm long on PG (3+ years so far).   I was on vacation the past few days and just found out.  I was saying the rest of the portfolio was down, but these two balanced things out.


You will owe tax on all deductible contributions, and on any gains from those. You will not owe taxes on any non-deductible contribution, but on any gains from those. Non-deductible contributions are called 'basis', and this is tracked on form 8606. As you didn't get a tax break when you contributed them (that's why they are called non-deductable), you don't pay tax now; they came from already taxed money. Everything else is money that was so far tax-free, so you have to pay taxes on it when you roll it to a Roth. Note that if the filing of form 8606 was neglected in the past (needed for non-deductible contributions only), you hurt yourself, as you will effectively pay tax again on that money. You can file adjustements to your taxes for the last three years to correct this, though.


reddit Musk worshipers need to be aware of all the [Tesla dirt](https://wattsupwiththat.com/2017/06/20/tesla-car-battery-production-releases-as-much-co2-as-8-years-of-gasoline-driving/) as well.  and [there's plenty](https://www.theguardian.com/technology/2017/may/18/tesla-workers-factory-conditions-elon-musk).  not to mention Tesla is taxpayer subsidized and does not make any money  Hallelujah, what a genius (cue for reddit to bow and knell)


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/talkbusiness] [Interview with AlWaleed bin Talal](https://np.reddit.com/r/talkbusiness/comments/78ekl2/interview_with_alwaleed_bin_talal/)  [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*  [](#bot)


"One scenario described in the original question -- a non-insider who trades after informal conversations with friends, where no insiders directly benefit from any such disclosure -- might not be illegal.  (IANAL -- this is just my personal interpretation of articles in the news recently.) http://www.bloomberg.com/news/articles/2015-10-05/insider-trading-cases-imperiled-as-top-u-s-court-spurns-appeal the appeals court said prosecutors needed to show that the person disclosing the information received a clear benefit -- something more than the nurturing of a friendship ... In a 1980 case the Supreme Court rejected the idea of “a general duty between all participants in market transactions to forgo actions based on material, nonpublic information."""


If you are a US citizen, you need to very carefully research the US tax implications of investing in foreign stocks before you do so. The US tax rules have been set up in general to make this very unattractive.


"To calculate a sector (or index) P/E ratio you need to sum the market caps of the constituent stocks and divide it by the sum of the total earnings of the constituent stocks (including stocks that have negative earnings).  There are no ""per share"" figures used in the calculation. Beware when you include an individual stock that there may be multiple issues associated with the company that are not in the index.... eg. Berkshire Hathaway BRK.B is in the S&P 500 but BRK.A is not.  In contrast, Google has both GOOGL and GOOG included in the S&P 500 index but not its unlisted Class B shares.  All such shares need to be included in the market cap and figuring out the different share class ratios can be tricky."


Or yeah if there is a cheap enough way for me to manafature them! As I said earlier I've tried 3d printed them but don't think that's gonna work, cannot produce the quantity required in an effective timescale


I could be mistaken, but since card #1 and card #2 have the same interest rate, it doesn't matter which one you pay more towards, both in terms of time it will take you to pay it down and how much interest you pay. Basically you'll be paying $1105 each month towards a total debt of $27,459 at 2%, irrespective of how you divide the payments up over the cards (just make sure you observe minimum payment requirements).  The situation would be different if they had different interest rates or if the low rate on one of them would expire quicker than on the other one.


"I don't know if this is ""valid"" from a bookkeeping/accounting standpoint, but I'm just trying to keep records for myself so this works for me unless someone has another suggestion. I created two Expense accounts for the HSA (Roth, etc would work the same way): (""CY"" meaning current year.) When I make a $50 contribution, I enter the following splits: When you look at this in the Accounts tab, it shows the parent account with a zero balance (because the subaccount balance is positive and the parent account is negative). The subaccount has the balance accumulated so far; this lets me see the YTD contributions to my HSAs. At the end of the year I will make a closing transaction in the opposite direction (for whatever the total balance of the CY account is): This will zero-balance these two accounts. The only complication I see remaining is the issue of making contributions for the prior year during the January-April time frame. I don't generally make current-year contributions followed by prior-year contributions, so I can just wait to enter the closing transaction until I know I'm done with prior-year contributions."


There is no such thing as double taxation. If you pay tax in the US, you CAN claim tax credits from India tax authority.  For example, if you pay 100 tax in USA and your tax liability in India is 200, then you will only pay 100 (200 India tax liability minus 100 tax credits on foreign tax paid in the USA).  This is always true and not depending on any treaty. If there is a treaty, the tax rate in the United States is set on the treaty and you CAN claim that final tax rate based upon that treaty.  If you operate an LLC, and the income is NOT derived from United States and you have no ties with the US and that LLC is register to a foreign person (not company but a real human) then you will not have to submit tax return in the US... I advice you to read this: http://www.irs.gov/businesses/small/article/0,,id=98277,00.html


"You are making this far more complex than it needs to be. Direct deposit your savings directly into a savings account. To track spending, invest in a small notebook, and keep a tally of what you spend every day. Also, it seems odd to me that you want to track your budget in minute detail, but coins are ""useless"" to you."


"They don't have to explain ""why that is,"" just that there's a full sigma difference in their measurements for a metric that is also correlated across the board with nearly all socioeconomic factors (which also happen to correlate with race, hm).  Hilariously misinterpreting the abstract of the first link doesn't disprove the dozens of quality sources I gave you for your incorrect claim, it just proves your poor reading comprehension."


"No one can claim markets are perfectly efficient. The Grossman-Stiglitz paradox explains one reason why it is impossible for the market to be perfectly effecient, and there are plenty of investors that show it is practically possible to consistently beat the market (e.g. ""The Superinvestors of Graham-and-Doddsville"" or RenTec's Medallion Fund).  However, even if you accept as true that prices behave strangely around round numbers, that isn't a refutation of the efficient market hypothesis. The efficient market hypothesis says that price reflect all available information, so the expected price tomorrow is just the price today (not taking into account the time value of money).  The efficient market hypothesis says nothing about how prices are distributed. Historically, a random walk has been used, but that is neither a consequence of the EMH nor a required assumption.  You could say that prices are more volatile the nearer they are to a round number or new high, but that doesn't necessarily give you an edge in making money off the stock."


"you can relate everything on a credit report, and how things are calculated, to life scenarios. thats a 100% fact, and thats what people need to go by when designing their credit dicipline/diet. utilization: any kind of resource in life. water, food, energy, and etc. who would you want to live with more, the guy that just eats way too much, uses way too much energy than they need, and wastes way more water than they need? assuming there was no water cycle. payment history: speaks for itself derogatory remarks: s*** happens. thats what makes life life, but when given chances to fix your mistakes and own up to them, like i and every other responsible adult have done, and you dont, thats living up to the exact definition of derogatory. disrespecting and not caring. who wants to lend to someone who doesnt care? so if youre not gonna care, we will just put this special little remark in the derogatory section and show that you dont care about when you make mistakes. f*** it right? lol. well, thats what that section is for. showing you wont try to fix things when they go sour. if i had a guy who was fixing my roof, and did a bad job, but did everything he could to fix it, i wouldnt give him a bad rep at all. if a guy messed up my roof, and just said cya thanks for your money, hes getting a derogatory remark. credit age: just like life. showing the ability to maintain EVERY other aspect of a report for X amount of time. its like getting old as a person. after X amount of years, a lot of people will be able to say more about you as a person. whether youre a real male reproductive organ or an amazing guy. total accounts: is like taking on jobs as a self employed person or any business. if you have a lot of jobs, people must want you to do their work. it shows how people ""like you."" hard inquiries: this is the one category of them all i dont fully agree on, can go either way, and i hate it. i really cant think of a life scenario to relate it to, so i kind of think its a prevention mechanism/keep a person in check kind of thing. like to save them from themself and save the lenders. for example, if a guy has great utilization, and just goes insane applying for credit cards, hell get everyone of them because hes showing almost no utilization. then said guy goes and looses his job, but since he racked up 50 cards at 1k each, now he can destroy 50k in credit. thats just my take, but thats EXACTLY how i look at it from TU/EX/EQs point of view."


"For any isolated equity market, its beta will less resemble the betas of all other interconnected equity markets.  For interconnected markets, beta is not well-dispersed, especially during a world expansion because richer nations have more wealth thus a dominant influence over smaller nations' equity markets causing a convergence.  If the world is in recession, or a country is in recession, all betas or the recessing country's beta will start to diverge, respectively.  If the world's economies diverge, their equity markets' betas will too.  If a country is having financial difficulty, its beta too will diverge. Beta is correlation against a ratio of variance, so variance or ""volatiliy"" is only half of that equation.  Correlation or ""direction"" is the other half.  The ratio of variance will give the magnitude of beta, and correlation will give the sign or ""direction"". Therefore, interconnected emerging equity markets should have higher beta magnitudes because they are more variant but should generally over time have signs that more closely resemble the rest.  A disconnected emerging equity market will improbably have average betas both by magnitude and direction."


Why don't you try using PayTM? You could definitely get money from your customer's PayTM account. Just sign up for PayTM using your mobile. Then ask your customer to transfer money from her payTM account. Later you could withdraw this money to your bank account.


One of the triggers for audit is when the IRS can't match 1099 income to the tax return. Whoever got the 1099 in her name should include that income on her return.


You will likely have an options pricing course in your degree program.  If option pricing is not part of the curriculum at all, I would transfer out.  I've had a few co-workers and interviewed candidates who graduated from satellite campuses of major schools.  It's surprising how many of them somehow made it through a finance degree program never learning about options and other derivatives.  The guys that never learned them end up having to play catch up on the job.  A good portion of them end up figuring it out, but a group of them also end up being let go or they leave because they just can't figure it out....   Options are a key and important part of Finance, make sure you understand them!  They also aren't that hard to figure out.


More precisely North American.  When somebody says American, most likely they mean of or about the USA.  It's the colloquialism that has persisted that made me respond that way.  Yeah, it's just starting to catch on even though these websites have been up and running for a few years now.  I think that the overall global financial crisis impeded or at the very least delayed the popular discovery and utilization of this type of funding paradigm.  There's always http://www.kickstarter.com/ though!


First of all depending on the type of IRA you may not have to pay taxes on withdrawals in the US at all. If you are withdrawing your principle from a Roth IRA then you don't owe taxes. Only when you withdraw the gains do you pay taxes on it. You have two options for withdrawals: Lump Sum Withdrawal: If you take a lump sum withdrawal you will owe taxes to the US (30% for non-resident aliens of the US), and according to DTAA; Article 23, you will file your taxes with India declaring your IRA or 401(k) withdrawal proceeds and claim credit on the taxes you paid to the US.  Monthly Pension Withdrawal: You can also receive monthly pension payments and you will only be taxed in the country in which you are a resident of. This is according to DTAA, Article 20. You would then have to submit necessary documentation to your payer in the US so that they do not withhold any taxes in the US. Just as a side note it might be just better to keep the money where it is and let it grow or roll it over to a Roth IRA if you are currently in a lower tax bracket for maximum savings of your principle. Here is a link with more detailed information of what I provided you: http://articles.economictimes.indiatimes.com/2012-01-25/news/30663129_1_taxable-income-nri-401k-plan


No. You will need to call your credit card issuer and ask for a credit limit increase.  If you plan to pay off your card then I see no problem in this. You could also ask the seller if they will put $1000 on your card, and $500 in cash.  (Ask for a cash discount too.) Found some anecdotes! http://ask.metafilter.com/143018/Can-I-prepay-my-credit-card-and-use-it-like-a-debit-card-to-help-me-spend-more-responsibly#2047093 http://ficoforums.myfico.com/t5/Credit-Cards/Can-I-prepay-to-increase-limit/m-p/670376#M214222