That would be a shame of course. It would leave the USA with the choice of preemptive strike, which will most likely be seen by other nations as aggressive over-reaction, or wait and see, with the possible consequence of a nuclear strike on US soil, to be followed by suitable retribution, perhaps also with nuclear weapons.


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The market maker will always take it off your hands. Just enter a market sell order. It will cost you a commission to pull the loss into this year. But that's it.


"This is based on my experience with Chase and may not be applicable to other banks. As you mentioned Chase as one of the banks you do business with hopefully this will be helpful to you. The money does come out of your account immediately. If the check isn't cashed in a certain amount of time, the check expires and you get the money credited back to your account. Once you have made a bill payment online you can check on the status of your check by looking at your payment activity, finding the payment in question, and following the ""proof of payment"" link.   There is will provide you with information on your payment which you can submit to your payee to prove when you submitted the payment, and which they can use to verify with the bank that you really did send the payment as you claimed.  Once the check is cashed, this page will also contain images of the front and back of the cashed check, so you can prove that the recipient really did cash it.  You can see from this info that the check is being funded from a different account number than your own, which is good for security purposes since (per Knuth, 2008) giving someone else your bank routing number and account number as found on your personal checks basically provides them with all they need to (fraudulently, of course) clean out your account."


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You need to have them consult with a financial adviser that has a focus on issues for seniors. This is because they are beyond the saving for retirement phase and are now in the making-their-money-last phase. They also have issues related to health insurance, IRA RMDs, long term care insurance. The adviser will need to review what they have and determine how to make sure it is what they need. It is great idea for you to go along with them so you can understand what needs to be done. You will want an adviser that charges you a fee for making the plan, not one that makes a commission based on what products you buy or invest in.


> In Europe we act as if workers are people not a commodity to be prices as low as possible.  It works both ways. Regulating workers wages can decrease the number of small companies starting up. This is because entrepreneurs starting up might not be starting off with many millions in the bank so they may be fearful of paying too much. Same goes for job security. Regulation and wage minima are generally bad for small innovative companies and not so bad for big established firms who just want to protect their market share (and for whom compliance costs peanuts as a percentage of their revenue).   My two cents on this are: Much better to create a redistributive system whereby the state pays everybody a basic level of income. Then the market can be freed up and people's entrepreneurship can be fully leveraged.


"This is the same answer as for your other question, but you can easily do this yourself: ( initial adjusted close / final adjusted close ) ^ ( 1 / ( # of years sampled) ) Note: ""# of years sampled"" can be a fraction, so the one week # of years sampled would be 1/52. Crazy to say, but yahoo finance is better at quick, easy, and free data.  Just pick a security, go to historical prices, and use the ""adjusted close"". money.msn's best at presenting finances quick, easy, and cheap."


Fellow dirty jerz resident here. I would highly recommend going the llc route. If, god forbid, anything ever happened and you were sued, the llc will contain all losses and your personal assets will not be at risk. I'm not sure about the timing of clients. Better to ask a lawyer - cheap to use online services like rocketlawyer (sp?)


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/talkbusiness] [Lumber Liquidators To Pay $36M To Settle Formaldehyde-Filled Flooring Suit](https://np.reddit.com/r/talkbusiness/comments/78prbj/lumber_liquidators_to_pay_36m_to_settle/)  [](#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)


Oh, but it very much is that simple.  That you consider them complicated tells me you don't know what's inside one.  *Edit* - I almost forgot to add:  offering buyout options is *almost always* both a better deal for the company, and a *worse* deal for the recipient.


"Yes, U.S. currency of any denomination is ""legal tender FOR ALL DEBTS, public and private."" But when you go into a store you (normally) don't owe them anything. In that case, it's more like a barter transaction: Your currency for their soda. Meaning that they can refuse to take ""your currency."" Open an account at the store, and run up a debt. Then you can pay in any denomination."


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'Pretty' inelastic does not mean completely inelastic, and if there is any elasticity at all there is an optimum price point.    Also, in general, drugs are the most elastic portions of healthcare, for example, Drug A, might have serious side effects while Drug B at higher cost might a less serious set.  These kinds of economic decisions are constantly happening.  There might be specific cases where the drug is life saving with no analogs but that's uncommon across the drug spectrum.  These are obvious facts and objective thinking is necessary if we want to really solve the problem.  Sadly, judging by the downvotes, mere statement of objective facts is not welcome.   This does not auger well for the country, I'm afraid. :-(.


My dad, an attorney, does this all the time. He makes offers for properties with the proviso that all real estate commissions are negotiated, and paid by, the seller. In California, agents must present all offers to the seller. It never seems to be an issue, at least for him. Of course, he presents himself as a substantial and competent buyer.


>  I rarely go back to the USA but will still have to pay 35% tax...  Only if you have a really terrible accountant!  Seriously, the top tax rate that people like to rattle off in these kinds of stories is meaningless. Who pays the top tax rate? No one. Look at the effective tax rate, which is what is actually paid. I think it's something like 12%, which is actually quite competitive.  Now, it certainly takes wrangling to get there for a company and it would make a lot of sense to just make the rate 12% and get rid of all loopholes... but we can at least all stop pretending like corporations are paying 35%


Boiler tubes failures are the leading cause of forced outages in fossil fuel power plants” This statement alone should be reason enough to do a regular thorough inspection, but let’s look a little deeper and find out why exactly this may be the case.


">Perhaps ""almost always"" was a bit of hyperbole, but in matters of cost vs. quality I'd expect publicly traded companies to prioritize short-term shareholder profit (or be sued by said shareholders.)   Can you give me any examples of where shareholders sued the company because they weren't making much profit or focused on long term rather than short term? I can't think of any. Maybe if the company were grossly negligent in some way, but in general, no I don't think that happens, or at least I've never heard of it, and it sounds like a stupid thing for shareholders to do because they're never under any obligation for a piece of the profit either."


"Many of my friends turn to me for financial advice, and here's what I always tell them because it's super effective for me... 1) I opened an online bank account with Scottrade for which I did not request a card or checks. I set up direct deposit straight to that account. It would be a complicated pain to take money out of that savings. The only time I did so was to buy my house (which was the purpose of the savings) and it involved a wire-transfer and printing of the form to fill out and faxing it in, etc. I have continued to use the account to save for my second house. I basically completely forget that the account is even there or that I am ""missing"" a large chunk of my money. 2) It is VERY important to actually budget for spending money to continue to spend on impulse items. Basically allow yourself to spend money on yourself but in a controlled way. Decide a specific amount that you want to put in a separate account that is just for you to spend to your hearts content and have it direct deposit. I find, (and Dave Ramsey also encourages this) that when I know how much money I am going to blow, I feel much more in control and it causes me to not get carried away and blow more than I realized. Take this a step further... Decide specifically what you want to buy for yourself, and label the account accordingly. For example, I decided back in March that I wanted to buy an Xbox One for when Star Wars Battlefront comes out this November. I calculated exactly how much money I would need at that time, figured how many paychecks I would receive until then, and did the math to determine exactly how much I need to direct deposit into an account JUST for saving to buy the Xbox and game. I use CapFed, and I can actually rename the account as it is displayed, so I called it ""Xbox fund"". Seeing that title, a reminder of what I really want"" encourages me to not touch it. What is your goal behind wanting to save money better? What are you saving for? Label your account accordingly so you don't just see it as money, but as progress."


I think housing will come back a bit, but won't be as lucrative as it was in the 90s.  Millennials, although they don't have much money, are still interested in their own houses _if they can afford them._ This means we may see in increase in demand for smaller, more efficient houses or for renovating older houses.


"Dov Chaney learned everything from Harvey. It is no secret that both Weinsteins favor the actresses who submit and punish the actors who call them out. But... Harvey is not a bad guy, he actually has a big heart he just got corrupted and became a victim to his own appetites and endless access to fame seeking flesh. When I say ""not a bad guy"" I mean in high contrast to our president. It is very likely HW will be doing some soul searching...  I left the biz in a bit of a scandal myself and there are days I miss it and then I read these headlines and thank god I am out."


"It's somewhat addicting - their ""Picture Yourself In This Job"" feature that shows your picture as it would appear at the top of your profile, yet with a different company/title. Always makes you wonder, and has had me look into the advertised position a few times."


What IBM became was a provider of complete solutions independent of proprietary hardware and software. IBM still provided high end mainframe platforms, but it sloughed off anything that put it in a commoditized dead end. It was forced to do this in the 1980s when it almost disappeared trying to force profit from former hardware and software monopolies.  The real question is how Microsoft avoids becoming the IBM that almost died in the 1980s and becomes something like or even better than the IBM after the 1980s.


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I would look at it as more of a balance in general assuming you have the ability to contribute pre or post tax money and you expect your retirement tax rate to be about the same. Pre-tax money gives you flexibility of withdrawal during retirement. Say one year you have unusually high expenses you can pull money from your taxed accounts until you hit the top of your target tax bracket and then pull the rest out of already taxed accounts. Note that if you have the same tax rate today as when you retire. The traditional account will net you slightly more money, but not a huge amount.


What the people believe is fairly important in a team. Are you an atheist? How well do you think you'd work within a team of fundamentalist Christians?  Philosophy applies to cost benefit analysis, you want to build a team that are going to work together the best, this includes being likeable to one another.


To be flippant: it is illegal because it is against the law; there is no considered involved, it just is. To elaborate, part of the illusion of the stock exchange and other market-like entities is that of (apparent) fairness. If I think a stock will go up because it is involved in a growing industry, that is generally public information.  Conversely if I have a dim view of a particular company because of its track record of product launches, that is similarly out in the open. A secret formula is something that I invented or discovered, not (presumably) something that I stole from someone else. To stretch that further: If I notice that Company X stock always moves with Company Y stock, that is indeed something that I have found, that I can try to profit from.  It is secret to me, but not particularly dependent upon information not available to others, just that my interpretation is better. So trading on information in the public domain is fine, as it preserves the principal of fairness I mentioned, whereas inside knowledge breaks that principal.


> . I mean, they are making a really cheap Tesla S, where are they cutting costs?  Guess you forgot your tax dollars go into that car. We pay a ton of money per car to lower the price. Funny thing is, wealthier people are the ones buying the Model S for example, but tons of poor people are subsidizing it.   > The Chevy Bolt has a 50% 38km larger battery for practically the same price.  I'm not a fan of all the issues with Teslas and there are MANY. But I rather have that than any Chevy.


Listen Bernie Bro, if you think any centralized government will ever be fully accountable to we the people, you need to put down the hash pipe. Bernie wasn't even accountable to his own donors, that's why they're suing him ;)   The only solution is for the government to stop inserting itself between people and Healthcare. Only then with direct pricing, lower barriers to entry, private charity and consumer choice can we lower costs. Cartels only exist because of state mandated regulation, patent law and government mandated Healthcare.


"I think it's about time that we stop paying lip service to the ""Americans get their healthcare from work"" bullshit.  If the wealthy elite cannot allow society to organize affordable and universal healthcare how can it expect those same people to offer up the blood and sanity of their youth to fight their wars?"


Your idea is a good one, but, as usual, the devil is in the details, and implementation might not be as easy as you think.  The comments on the question have pointed out your Steps 2 and 4 are  not necessarily the best way of doing things, and that perhaps  keeping the principal  amount invested in the same fund instead of taking it all out and re-investing it in a similar, but different, fund might be better. The other points for you to consider are as follows. How do you identify which of the thousands of conventional mutual  funds and ETFs is the average-risk / high-gain mutual fund into which you will place your initial investment?  Broadly speaking, most actively managed mutual fund with average risk are likely to give you  less-than-average gains over long periods of time.  The  unfortunate truth, to which many pay only Lipper service, is that  X% of actively managed mutual funds  in a specific category failed  to beat the average gain of all funds in that category, or the  corresponding index, e.g. S&P 500 Index for large-stock mutual funds, over the past N years, where X is generally between 70 and  100, and N is 5, 10, 15 etc.  Indeed, one of the arguments in  favor of investing in a very low-cost index fund is that you are effectively guaranteed the average gain (or loss :-(, don't forget the possibility of loss). This, of course, is also the argument used against investing in index funds.  Why invest in boring index funds and settle for average gains (at essentially no risk of not getting the average performance: average performance is close to guaranteed) when you can  get much more out of your investments by investing in a fund that is among the (100-X)% funds that had better than average returns?  The difficulty is that which funds are X-rated and which non-X-rated (i.e. rated G = good or PG = pretty good), is known only in hindsight whereas what you need is foresight. As everyone will tell you, past performance does not guarantee future results.  As someone (John Bogle?) said,  when you invest in a mutual fund, you are in the position of a rower in rowboat: you can see where you have been but not where you are going.  In summary, implementation of your strategy needs a good crystal ball to look into the future. There is no such things as a guaranteed bond fund. They also have risks though not necessarily the same as in a stock mutual fund. You need to have a Plan B in mind in case your chosen mutual fund takes a longer time than expected to return the 10% gain that you want to use to trigger profit-taking and investment of the gain into a low-risk bond fund, and also maybe a Plan C in case the vagaries of the market cause your chosen mutual fund to have negative return for some time. What is the exit strategy?


I'm a Canadian who regularly travels to US (9-10 times a year) and I hope I'm not offending anyone when I say that every airline within US is garbage - except for Alaska but that's west and I live on the east. It boggles my mind how poor the customer service is and how little you get for your money. My least favorite is United ... of the 20+ flights I've done with them 0 have departed on time or wasn't cancelled. I now try my best to only do Air Canada which isn't the best bang for your buck but at least it has slightly better legroom and interactive TVs for every seat.


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The people who share our tastes are not watching most TV channels anymore. People who have a TV and spare money are subscribed to the premium cable channels and mostly watch those shows. Young people watch TV on their computers and don't see the ads.  As a result, the rest of the TV channels have to cater to the vast population of Ghost Hunters fans and Survivor addicts.


December, 8, 2011 ( 01:40 pm) :- Nifty breached the 5100 level with in the 1 hour of trade but after the announce of our country also affecting by the European crisis disapproval of the FDI in multi brands also made and session of market is in the profit booking mode.  Nifty facing strong resistance at 5150 - 5180 under this Nifty trend keep weak for a down target of 4940 level.  Banking index continuously providing good returns everyday with the really of SBI, AXIS & ICICI Bank.


Inflation follows the money, chases the money. All the money in the past few years has been directed into the banking system, and so we have an inflation in banking investments -- an investment bubble.  The Fed makes a big mistake putting all the money into these investment banks. Better to put it into the population directly than let these buggering bankers control it. But then, the Fed *is* the buggering bankers, just wearing a different hat.  It's Wyle E. Coyote time yet again as we wait to see how long it takes these bastards to realize there isn't anything substantial under their feet and it's a long way down to the canyon floor. Again.


Can I transfer directly from my US saving account to their Axis bank in India? Yes you can. any kind of tax  my parents need to pay? No. From you parents point of view, its a Gift from their daughter and would come under the provisions of Gift Tax [and Not Income Tax]. Gifts from specified relatives [Daughter /sons /parent /siblings] is tax free. It would make sense to keep some paper work around this, for example a simple letter stating that this is a Gift, specify the amount, the date of transfer, the amount actually credited, details of the credit [Bank Statement]. If there is a scrutiny by income tax, it would ease things. any kind of tax I need to pay? In India NO. In US I am assuming your have already paid tax hence no tax.


I just wanted to let people know of a strange little way bankruptcy works in society when dealing with individuals and when dealing with businesses.  If I as a person declare bankruptcy, my credit score goes downhill. I find loans have higher interest rates, some people won't lend the amounts I want, and I have to pay more up front.  If as a business I declare bankruptcy, my individual credit score (not business) does not suffer AT ALL. My business likely will have a harder time getting loans, that is unless someone buys me out or I collapse the business and start a new business, maybe even the exact same business with the same clients. I personally, am not held accountable for anything (unless I was a sole proprietor of course and didn't incorporate).  That to me, is the major problem. Corporations mean never having to say you're sorry. No matter how high up you are, you are never individually accountable for your actions.  In fact, I highly suggest anyone considering bankruptcy simply form a corporation, dump their debt assets into it, and then have the corporation declare bankruptcy.  Viola, instant clean credit score and all your debts are paid.  Just watch out for [vicarious liability :p](http://en.wikipedia.org/wiki/Vicarious_liability)


A business has the right at any time to ask it's customers for testimonials. All successful businesses do it because it is a good way to provide new customers with third party review. This helps them make an informed decision and feel more at ease. It is not gaming the system when the reviews are authentic.


Lost checks happen occasionally, and there are procedures in place (banking & business) to handle the situation.  First and foremost you need to: Note: The money is legally yours, so the company is obligated to work with you here.  If they refuse to cancel or reissue the check, at a minimum you'll want to contact the state government and let them know about the company's actions, if small claims court is not an option.  Businesses aren't permitted to keep 'forfeited funds' in most states, instead they are required to turn them over to the government who would then return them to you when you ask for it.  It's rather scummy of the government bureaucrats, because it puts them in the sole position to benefit from forgotten money, but that's the system we've given ourselves. Since you've moved overseas since the last time you worked with this company, you might need to exercise a little patience and be willing to jump through some hoops to get this resolved.  Be prepared to provide them proof of who you are, and be ready to pay for extra security such as certified mail / FedEx so that you're both sure that the new check is delivered to you and only you. Last of all, learn from your mistake this time and be a little more cautious / proactive in keeping track of checks and depositing them in the future.


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Wooo Wooo Posts?  At least 200,000,000 women have been mutilated by this horrible process. Now some religious leader is using economics to justify it. This needs more awareness and you turn it into a personal crusade against me.  Grow up.  https://www.unicef.org/media/media_90033.html


"Rob - I'm sorry your first visit here has been unpleasant.  What you are asking for is beyond the capability of most software. If you look at Fairmark.com, you find the standard deduction for married filing joint is $12,200 in 2012, and $12,400 in 2013. I offer this anecdote to share a 'deduction' story - The first year I did my MIL's taxes, I had to explain that she didn't   have enough deductions to itemize. Every year since, she hands me a   file full of paper substantiating medical deductions that don't exceed   7.5% of her income. In turn, I give her two folders back, one with the 5 or so documents I needed, and the rest labeled ""trash"". Fewer than 30% of filers itemize. And a good portion of those that do, have no question that's the right thing to do. e.g. my property tax is more than the $12K, so anything else I have that's a deduction adds right to the number.  It's really just those people who are at the edge that are likely frustrated. I wrote an article regarding Standard Deduction vs Itemizing, in which I describe a method of pulling in one's deductible expenses into Odd years, reducing the number in Even years, to allow a bi-annual itemization. If this is your situation, you'll find the concept interesting.  You also ask about filing status. Think on this for a minute. After pulling in our W2s (TurboTax imports the data right from ADP), I do the same for our stock info. The stock info, and all Schedule A deductions aren't assigned a name. So any effort to split them in search of savings by using Married Filing Separate, would first require splitting these up. TurboTax has a 'what-if' worksheet for this function, but when the 'marriage penalty' was lifted years ago, the change in status had no value. Items that phaseout over certain income levels are often lost to the separate filer anyway. When I got married, I found my real estate losses each year could not be taken, they accumulated until I either sold, or until our income dropped when the Mrs retired.  So, while is respect your desire for these magic dials within the software, I think it's fair to say they would provide little value to most people.  If this thread stays open, I'd be curious if anyone can cite an example where filing separately actually benefits the couple."


If unqualified decision makers in HR are trashing resumes of talented people then that company will always be shit to mediocre and will likely always be hanging by a thread on survivability when it comes to their dev team (aka your best person leaves and your team is set back 5 years).


To me this is a simple cost/benefit analysis... I'm guessing you will spend a whole lot more time and effort trying to fight the collection agency than the $55 is worth. In this case I would just go ahead, pay it and be done with it. Had the amount been higher, this would change. But that's me; you should do your own analysis based on your circumstances (including how much it's worth to you to be right) and let that inform your decision.


Naturally the advice from JoeTaxpayer and dsimcha is correct, every situation is different.  I will get reckless, go nuts and make a recommendation! You are young, childless for the time being.  Do the following with your money: ALTERNATE IDEA for #6 Fix yourself up for the long term first, then have a bit of fun, then get out of the house debt.  In that order.


And what has sporadic research turned up? Why did we change to fiat money? What was the issue with the gold standard? What underlying models helped secure fiat money? Were there alternatives? Why weren't they chosen? And of course because you already know all that, what alternative would you have chosen?   I have sporadically researched physics, biology, and chemistry. But I don't post my opinions on those subjects, because I am poorly informed. I do not want to risk the possibility of misinforming someone with my stupidity. You should consider filtering the things you write in the same manner. Trust me, you would be doing the world a service.


I took the exam and passed the first try.  Although I did entirely self study with no exam prep course, I do not recommend that method.  Dalton is the best option.  It's very pricey, but they guarantee a refund if you don't pass.  Don't forget that in addition to the Dalton fees, you will have the exam fee as well as if you pass, the CFP dues up front.


I actually argued this with a friend few days ago that this internet based companies are not just monopoly in US but all over the world. Amazon comes to a new location it starts beating retailers by price and what holds it off is actually tradition of people. In the long run i don't think tradition will hold this sort of new habits  and this could make even grocery shopping done by internet. What needs to be done, or my suggestion, is taxing all these internet companies.  This way amazon won't be able to have that much price advantage and would be luxury where you pay more for (especially for basic stuff like groceries) making them come all the way to your apartment.  I personally like shopping in real life either it is clothes grocery books but since it is actually cheaper for me to buy from amazon, i always order my books from it.


They should not be able to tell the difference between a regular card and a secured card. The issue for a vendor is can they put a lock on the account equal to the transaction you are about to do. For a rental car company they don't have an exact idea of what your charges will be: it is based on many options some of which you don't decide until the day you return the car.   Because a secured card generally is on the small end (max measured in hundreds or at most $1,000) they might not be able to put a lock of sufficient size on the card.


>you seem to have some vague sense of unfairness or scalping in the system but no rigorous idea of how it could be happening  Now you're just being purposefully obtuse. Katsayuma laid out the mechanisms quite clearly. Front-running is not that hard to understand.


There's some risk, but it's quite small: The only catastrophic case I can think of is if the brokerage firm defrauded you about purchasing the assets in the first place; e.g., when you ostensibly put money into a mutual fund, they just pocketed it and displayed a fictitious purchase on their web site.  In that case, you'd have no real asset to legally recover.  I think the more realistic risks you should be concerned with are: The only major brokerage firm that I'm aware of that accepts liability for theft is Charles Schwab: http://www.schwab.com/public/schwab/nn/legal_compliance/schwabsafe/security_guarantee.html If you're going to diversify for security reasons, be sure to use different passwords, email addresses, and secret question answers on the two accounts.


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Owning a home is cheaper than paying rent. You ever think the turnover is so high because it's a shitty work environment for what their paid? How about you go sit at the Walmart employee smoke area. All they do is bitch for their 30 minute break about how their job is miserable.


"When your dream car is not just 200 times your disposable income but in fact 200 times your whole monthly salary, then there is no way for you to afford it right now. Any attempt to finance through a loan would put you into a debt trap you won't ever dig yourself out.  And if there are any car dealerships in your country which claim otherwise, run away fast. Jon Oliver from Last Week tonight made a video about business practices of car dealerships in the United States which sell cars on loans to people who can't afford them a while ago. As usual: When a deal seems too good to be true, it generally isn't true at all. After a few months, the victims customers usually end up with no car but lots of outstanding debt they pay off for years. So how do you tell if you can afford a car or not? A new car usually lives for about 10-20 years. So when you want to calculate the monthly cost of owning a new car, divide the price by 120. But that's just the price for buying the vehicle, not for actually driving it. Cars cost additional money each month for gas, repairs, insurance, taxes etc. (these costs depend a lot on your usage pattern and location, so I can not provide you with any numbers for that). If you have less disposable income per month (as in ""money you currently have left at the end of each month"") than monthly cost of purchase plus expected monthly running costs, you can not afford the car. Possible alternatives:"


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Absolutely not!  In addition to what the person before me said, which is correct, you will also pay tax on anything that you take out of your RRSP...it will be added to your income...don't do it!


Except no one can afford the prices of food with 25/hr labor. The poor especially would be devastated. We have created a system that depends on cheap migrant labor as it has since the late 1800s. Americans do not want to pick our own food. It's been shown for a long long time. We need immigrants willing to do the job to survive with the lifestyle America has created.


I'll give you a stark example of China's debt-driven construction growth: Since '09 China has constructed enough physical office space buildings to give every Chinese man, woman, and child their own cubicle - 3 times over! Given that these buildings were largely financed by debt, its hard to see how those creditors get all their money back given that there simply are not enough Chinese people to occupy and pay/rent that space in order for break-even to occur.


I know my experience is anecdotal, but where I work I see this scenario playing out. Most of the people I work with, in a health care administrative role, have children *MY AGE*. In the entire corporate office  of ~50 people there is maybe 6 people in their 20's early 30's. As far as my role as an Accountant, I'm second in command at age 28. I report directly to the CFO who has a daughter my age.  These demographics seem problematic. I know my company isn't the only one that is top heavy with Baby Boomers and few Generation X or younger.


This. People say on Reddit pretty often 'Oh, you should buy a new fridge to save your electric bill'. Meanwhile, old fridges are built like tanks. You will never make up the cost of electricity when you factor in longevity and cost to purchase a new fridge, and I'm sure the manufacturing process and pollution from making a new fridge is worse then continuing to use a functioning one. The same holds true for other appliances as well.


There's an unwritten rule among IPO underwriters that they will not go below a 7% underwriting fee.  They act like an oligopoly, artificially keeping the price high to avoid losing future underwriting revenue.  Additionally, the most famous example of a reverse auction IPO was Google's.  Despite a lot of concerns leading up to the IPO, it was priced rather high and did very well following the IPO.


Like most other investment decisions - it depends. Specifically in this case it depends upon your view of the FX (Foreign Exchange) market over the next few years, and how sensitive you are to losses. As you correctly note, a hedge has a cost, so it detracts from your overall return. But given that you need to repatriate the investment eventually to US Dollars, you need to be aware of the fluctuations of the dollar versus other currencies. If you believe that over your time horizon, the US dollar will be worth the same as now or less, then you should not buy the hedge.  If the dollar is the same - the choice is/was obvious.  If you believe the US dollar will be weaker in the future, that means that when you repatriate back to US dollars, you will purchase more dollars with your foreign currency. If on the other hand, you believe the US Dollar will get stronger, then you should certainly lock in some kind of hedge.  That way, when your foreign currency would have effectively bought fewer US, you will have made money on the hedge to make up the difference. If you choose not to hedge now, you can likely hedge that exposure at any time in the future, separate from the initial investment purchase buy buying/selling the appropriate FX instrument. Good Luck


"This is the best tl;dr I could make, [original](http://econlog.econlib.org/archives/2017/06/american_bankin.html) reduced by 92%. (I'm a bot) ***** > The importance of the unit banking laws is obvious when you consider than Canada had no bank failures during the Great Depression, despite a similar fall in NGDP. Today, that sort of decline in NGDP would wipe out virtually the entire US banking system.  > The pattern is that the governments, on the one hand, protects banks in the forms of deposit insurance or government bailouts when a crisis happens, or give banks certain opportunities.  > The way the governments get the banks to subsidize mortgage risk is by protecting the banks.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6fcfck/american_banking_socialism_or_laissezfaire/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~136658 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Bank**^#1 **government**^#2 **deposit**^#3 **lend**^#4 **more**^#5"


"What drives the stock of bankrupt companies? Such stock is typically considered ""distressed assets"".  Technically, what drives it is what drives every stock - supply and demand. A more interesting question is of course, why would there be demand? First, who exerts the buying pressure on the stock? Typically, three types of entities: The largest ones are financial institutions specializing in distressed assets (frequently, alternatives specialists - hedge funds, private equity firms etc...). Usually, they invest in distressed debt or distressed preferred equity; but sometimes distressed equity as well. Why? We will discuss their motivations separately in this answer. Second one are existing equity holders.  Why? Short answer, behavioral psychology and behavioral economics. Many investors - especially non-professionals - insist on holding distressed stocks due to variety of investment fallacies (sunk cost etc...); usually constructing elaborate theories of why and how the company and the stock will recover Sometimes, people who buy into penny stock scams, pump and dump schemes etc... Why? ""There's a sucker born every minute."" - P.T. Barnum Let's find out why an investment professional would invest in distressed equity? First, the general process is always the same. Company's assets are used to pay off its liabilities; in accordance with applicable law. There are two ways this can be done - either through selling the company; OR through bankruptcy process. The liabilities are paid according to seniority. The seniority priorities rules are covered by 11 U.S. Code § 507 - Priorities A company in bankruptcy can have one of 2 outcomes: Buyout. Some buyer might decide that the company's assets are worth something to them as a whole; and buy the whole enterprise; rather than risk it being destroyed piecemeal in bankruptcy proceedings. In that case, the proceeds from the sale will be used to fund the liabilities as discussed above. This option is one of the possible reasons people might consider investing in distressed equity.  For example, if the company is in bankruptcy because it can't get enough financing right now, but is likely to have good profits in the future. The chances are, some buyer will buy it for a premium that includes those future profits; and that sale amount might possibly exceed the liabilities. Bankruptcy. The assets are sold and liabilities are covered according to priorities. In that case, the investors in distressed equity might be hoping that there are un-obvious assets whose value would also put the total assets above claimed liabilities. Additional possible beneficial factor is that unsecured debtors must file with the court in order to be paid; and the claim must be validated. Some might fail on either count; so total amount of liabilities might lessen once the bankruptcy process goes through. Assets Now, here's where things get interesting. Of course, companies have usual assets. Real estate, inventory, plants, cash, etc... These are all able to be sold to cover liabilities, and at first glance are possibly not enough to cover liabilities, leaving equity holders with nothing (and even that's not a certainty - bankruptcy is simply inability to service debt payments; and while it correlates to assetsliquid assets, not full asset valuation). But some assets are less sure, and are thus rarely included in such calculations. These may include: Chances of winning appeals if specific existing liabilities are results of litigation, e.g. tax appeals, court judgement appeals etc... Clawbacks and lawsuits against former executives, especially in cases where the company's financial distress resulted from executive malfeasance. I was personally involved in one such case as an equity holder, where the company assets were valued at $X; had liabilities of $X*2; but had a real possibility of winning about $X*3 in a lawsuit against former CEO accused of various malfeasance including fraud and insider trading. As such, the best case scenario was literally 100% profit on holding that distressed equity."


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I work in a firm that performs this kind of execution for a number of instutional traders. We sell a number of algorithms, and a lot of research goes into building good market signals and forecasts, but the basic idea is that we make a trade-off between time to execute and market impact. This generally means that we're doing a mix of everything you said; we will join the bid for some fraction of our size, and also hit the offer when it looks like the price might be moving away from us. In some certain situations we will even sweep the book several levels deep to avoid tipping off market makers and having them adjust in anticipation of the rest of our order.


"I'm not an economist, but I understand the idea of value or ""price"" is purely ""what people agree it to be"".  The quants and analysts I've worked with always talk about ""discovering the price"" - it's an unknown until someone says ""I will pay X"".  Are my 2nd hand Nikes worth $20?  Put em on ebay to find out.  If someone buys them, then yes, 2nd hand Nikes are worth $20.  If they don't sell then they're not worth $20.    Obviously ebay is not the most efficient market out there.  The exchanges attempt to be that with prices varying by fractions of cent in fractions of seconds (milliseconds).  EDIT*   Perhaps another way to look at it is ""What is the 'correct' value of a computer game, say 'Skyrim'?""  Your idea of the value of labour and production costs produces some figure.  But in the real world, what actually happens?  On release day the game is priced at, say, $60.  And lots of people say ""I will pay $60"".  Many people don't, but many people do.  Months later, Steam has a sale and they suggest Skyrim is now worth $30.  Lot's of people who didn't think it was worth $60 do think it is worth $30.  The amount of labour that went into is hasn't changed.  So what it the true or 'correct' value/price of the game?  What is the correct value/price of *amything*? It is *what people will pay for it*."


If they need _one_ bailout, then they're _obviously_ not capable of running themselves. Two is just fucking insanity.  That shit doesn't matter. Both the Dems and the Republicans are very much in bed with the financial industry, and if the big banks run the entire goddamned country into the ground again, the only argument the two political parties will have over it is who gets to sign the first check.


I believe you can invest in Vanguard STAR with only $1000 (VGSTX)


Keep your account with Navy Federal, once you get an account at a good credit union keep it.  Look for a credit union the students can join, it may be based in the town where the campus is, or one related to the school.  Look for a free ATM on campus. Many times it is near the food court or student union or bookstore. If there is none ask the university to get one.  If you don't find a local credit union you should be able to deposit the checks via scanner or phone to navy federal.


"The account I have found that works best as a HSA is Alliant Credit Union. They have fee-free HSA (no fees for almost all types of transactions or monthly fees) and a fairly decent online banking website. I've been with them for about 5 years now without trouble. FYI - They are a credit union not a bank so you do have to make a small $10 donation to one of their charities to become ""eligible"" for opening the account."


The worst thing about Wholesale Deals UK is that they won’t get back to you in time and their excuses are ridiculous. The suppliers listed there are equally arrogant. I hate how some brainy conmen use internet to trap people. I am rather stunned to see how low someone can get to make money. Business dealings work on fair rules and if the bridging body is so wicked, what good further contacts can do to you?


"My wife and I are paid every two weeks. I go on line see the exact deposit, add it to register, and see what checks cleared. In effect, I reconcile twice per month, and the statement can't be different that what their system tells me. Since the online site shows ""last statement balance"" I feel there's no need to bother with the paper, nothing left to reconcile."


The beer fanatic of the country has a much better advantage, as there is not only a folks of bars there are a few fantastic locations on the web that serve them all the feature they want to recognize, including breweries, bars and best restaurants in Santa Rosa, Sonoma County and other locations.


Businesses do not pay income tax on money that they pay out as salary to their employees.  Businesses generally only pay income tax on profit. Profit is the money that comes in (revenue) minus the business expenses.  Payroll to the employees is a deductible business expense.


Again, it is paid for in paper because the people have decided that the paper has value. Taxes have to buy things (services, materials, etc.), and if nobody wants said currency, that tax pool is completely worthless.  > Taxation is mass-extortion, not a voluntary contractual interaction.  I'm not sure where you come from, but in any reasonably democratic country this is simply not true. It is the collective population deciding to pool some of their wealth to share certain costs of living and working together. You may disagree with the collective, but that doesn't change the collective.


I'm pretty sure I do, given that it's my job to research the underlying business model and psychological tricks they build their customer experience on. They've very, very deliberately built their products to be the way they are, and some random joe isn't going to substitute for it at the drop of a hat.


Ok Quick reply then im off this topic. same rights for everyone not for a specific groups.  She said Muslims ( which implies ALL of them). You didn't get my example at all so please read again. I compared a personal attack to an attack of a whole group which is more damaging but most people are strangely ok with that.  I was in Sweden recently.... turns out no one is shitting in the streets or burning cars its actually very clean with extremly low crime rates 🤔.... very strange maybe this is a stereotype? Sweden is often under attack from dubious sources although they are a pretty good country which in many ways is even superior to Germany. Oh and hate helps no one! You missed the point here again ! Hate is never productive. criticism is a civil form of communication and the germans do it very often, believe me. Why are you hating so much groups??? Even if you disagree and argue with someone there is still a long way to go to say you hate someone. Also hating groups is generally problematic. I know people you can only describe as Nazis, but i don't hate them. I think they are idiots and i want nothing to do with them..... but thats it. And so my final words on this topic: I don't think everybody hates. I can't think of one i hate. A lot of my friends hate nobody i'm pretty sure about that.  In love not hate the German guy ( wow we went way off topic or is anyone still thinking about Facebook.


When you can exercie your option depends on your trading style. In the american options trading style (the most popular) you're allowed to exercice your options and make profit (if any) whenever you want before the expiration date. Thus, the decision of  exercising your option and make a profit out of it does not rely only on the asset price. The reason is, you already paid for the premium to get the option. So, if taken into account the underlying price AND your premium, your investment is profitable then you can exercice your contract anytime.


The problem with small claims is that collection of the money is still up to you.  If the loser just doesn't have the $750 to give you, then you'll still have a very hard time collecting.  If the dispute is about whether you are owed the money or not, then small claims might be a good point as you can get a judgement in your favor.


"Let me make sure I understand the point of what Adam Smith is going on about. In discussion of relative poverty, he relates the idea that an individual can be considered in poverty if they do not meet the customary amount of goods considered by their society to be the minimum to be polite in public. You have thus transferred his meaning of what poor means to be what is considered  ""basic living"". You have then taken this concept and tied the cost of ""basic living"", which you still haven't actually narrowed down, towards the tax rate on income for a citizen of a community. This is all in the context that you're concerned with the community level of price for ""basic living"" and whether its too high. However, you also haven't said what too high is nor why you're concerned with the literal price which is why I've said you can only control the price of a good through central authority.  I never made the assertion you wanted to invoke a centrally planned economy, I simply stated that the only way to control prices across a community is through central authority. You've stated that we collect taxes on local, state, and federal levels. This is true, however it does not mean that they control the price. They simply modify the price set by the market, and only serve to increase the price from the base set by market participants.   When I want to buy beer, I don't just pay for the cost of the beer. I pay the cost of the beer + the city tax + county tax + state tax + state sales tax on the beer, which raises the price. Also, these taxes are not income taxes which is what was being discussed.   I still don't know what your point is because you cannot seem to define phrases you've used that I have stated I do not know. If you cannot define what you're talking about, how it relates to the actual discussion, and why its relevant then please stop as its simply a derailment."


Yet we are told, and I assumed, to be a profession of honor. I always thought of bankers as stodgy concervatives who DEMANDED a RESPONSIBLE borrower, not a daredevil trying to become ultra wealthy.  It was a service for growth, not a confidence scam. Too many people are chasing money/wealth as opposed to service and responsible growth. With our GROWTH in population we get a growth in greedy people and predators (and parasites) who's only wish is to obtain wealth for no cost.


It's probably advantageous to stop depositing into a 401(k) when one is no longer receiving payroll deductions into them. Other than that, why would you want to give up the benefits? Remember, 401(k) is just the kind of account. Most offer a variety of investment options within them, and let you move money between those, so you can rebalance to suit your currently preferred risk/return tradeoffs without having to break them open. You might sometimes want to reduce your contribution for a while, if you have immediate cashflow needs elsewhere... but try to avoid doing that. Compound returns are a good thing, and the earlier the money goes in the more you get back from it.


I believe they were for the government's future plans for transitioning into a more consumer-driven economy, preparing for their growing middle class and increased domestic demand.  It could end up being a smooth transition, but they have inflated a massive real estate bubble that makes our recent one look pretty small in comparison.  They claim to be able to manage the bubble as well, but it will be interesting to see.  To my knowledge it would be the first successful management of a massive bubble.  What's sad is that another reason for the empty cities is that the government's plan until now has been to support its export-driven economy, through devaluing the yuan (lower purchasing power for citizens) and keeping labor costs (wages) low.  So the future middle-class hasn't been able to afford housing in the new cities.  The government has been actively keeping their workers' standard of living artificially low for the sake of propping up exports.  It's disgusting.


I don't know why your comment got downvoted because it's perfectly sensible. My only issue with extending the SOL is what basis to use when determining what the statute should be. I'm sure there is, or at least was, a perfectly logical reason for setting it at 5 years. I don't have the foggiest idea of what the basis was mind you, but I'm sure there was one. That being said, extending the statute for future crimes solely because the prosecutors let it run out this time strikes me as being on shaky footing.


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You could consider turning your current place into a Rental Property. This is more easily done with a fixed rate loan, and you said you have an ARM. The way it would work: If you can charge enough rent to cover your current mortgage plus the interest-difference on your new mortgage, then the income from your rental property can effectively lower the interest rate on your new home.   By keeping your current low rate, month-after-month, you'll pay the market rate on your new home, but you'll also receive rental income from your previous home to offset the increased cost. Granted, a lot of your value will be locked up in equity in your former home, and not be easily accessible (except through a HELOC or similar), but if you can afford it, it is a good possibility.


Here is a list of threads in other subreddits about the same content:   * [Wealth Management Products in China [pdf]](https://www.reddit.com/r/Economics/comments/78kwt4/wealth_management_products_in_china_pdf/) on /r/Economics with 3 karma (created at 2017-10-25 10:50:52 by /u/LtCmdrData)  ----   ^^I ^^am ^^a ^^bot  ^^[FAQ](https://www.reddit.com/r/DuplicatesBot/wiki/index)-[Code](https://github.com/PokestarFan/DuplicateBot)-[Bugs](https://www.reddit.com/r/DuplicatesBot/comments/6ypgmx/bugs_and_problems/)-[Suggestions](https://www.reddit.com/r/DuplicatesBot/comments/6ypg85/suggestion_for_duplicatesbot/)-[Block](https://www.reddit.com/r/DuplicatesBot/wiki/index#wiki_block_bot_from_tagging_on_your_posts)  ^^Now ^^you ^^can ^^remove ^^the ^^comment ^^by ^^replying ^^delete!


Another factor:  When you sell this house and buy the next one, the more equity you have the easier the loan process tends to be.  We rolled prior equity into this house and had a downpayment over 50%--and the lender actually apologized for a technicality I had to deal with--they perfectly well knew it was a basically zero-risk loan.


The product you seek is called a fixed immediate annuity.  You also want to be clear it's inflation adjusted. In the US, the standard fixed annuity for a 40year old male (this is the lowest age I find on the site I use) has a 4.6% return. $6000/ yr means one would pay about $130,000 for this. The cost to include the inflation adder is about 50%, from what I recall. So close to $200,000.  This is an insurance product, by the way, and you need to contact a local provider to get a better quote.


OCD is a serious condition and honestly you should avoid taking advice on how to deal with it from strangers on the internet.  I am guessing you are having problems getting a good answer because few people are willing to risk harming someone in a vulnerable state.  You need someone who can work with you throughout the process not some one time quick fix solution dreamed up by some anonymous people on the internet. I wish you luck and please do not take this as blowing you off.  My best suggestion is find someone you trust and engage them in helping you gain control over your behavior.


In my mind, HR doesn't come into it.   HR is the discipline of hiring, firing, and paying employees. A project manager or project director is not an HR person, and only once/twice a year gets involved with HR related tasks (annual reviews and evaluation etc.).


The volatility of an index fund should usually be a lot lower than that of an individual stock. However even with a broad index fund you should consider the fact that being down by 10% in the time frame you refer to is quite possible! So is being up by 10% of course. A corporate bond might be a better choice if you can find one you trust.


"This is the best tl;dr I could make, [original](http://www.thelowdownblog.com/2017/07/why-good-management-appears-to-be-best.html) reduced by 91%. (I'm a bot) ***** > Management consultants know this well: There&#039;s a saying that &quot;Management consultants borrow your watch to tell you the time,&quot; implying that good management is so obvious that everyone knows what to do.  > What does the first-ever management survey at this scale tell us? Management Matters, a Lot We found that only one-fifth of plants use three-quarters or more of the performance-oriented management techniques that we asked about, but that these plants had dramatically better performance than their competitors.  > Better Management Depends on Competition, Skills, and Learning from the Leading Firms What could cause these huge differences in management practices across firms? We found several major factors.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6lfbtk/why_good_management_appears_to_be_the_best/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~159896 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*: **management**^#1 **firm**^#2 **more**^#3 **practices**^#4 **managed**^#5"


From Sears, yeah. He got a new job selling cars (where I met him). I'm sure the pension alone wasn't enough to sustain his lifestyle at that point, but surely fucking sweet! I think he got to keep the health insurance too...


US centric view here, and keeping in mind that we're talking about the Federal budget:  I'd start off by cutting the military budget to equal what the next three biggest spenders (China, Russia, UK) devote to their military. This would be more than enough for actual defensive needs vs. being the world's policeman. Close up foreign military bases and come home.  Then cut all other discretionary spending so that it's dwarfed by defense. Adjust Social Security, government pensions, and military benefits down to a sustainable level.  Why? Because we're going broke and can't keep the promises we've already made.  Moving forward, let the states handle social programs. That way we can try 50 different things to see what works instead of waging a winner-take-all battle at the Federal level.


Productivity *can* increase, but it doesn't have to. Productivity can remain the same but if you've got two people competing for one job they bid wages lower since even a lower wage is better (up to a point in welfare state) to no wage at all. It's why so many jobs went to southeast Asia, they bid a wage lower than their competitors on the international market and the jobs migrated to them. Now that they're bidding their wages up that no longer applies to the same extent it once did (and it's why, for example, [Google built their new manufacturing plant in the US](http://www.nytimes.com/2012/06/28/technology/google-and-others-give-manufacturing-in-the-us-a-try.html?_r=1&pagewanted=all)).


There was a really good discussion with Arthur Levitt (former SEC Chairman) about this on Bloomberg Surveillance this morning. I'd post a link, but it's not up on [their podcast page](http://www.bloomberg.com/podcasts/surveillance/).  Basically, the argument was that it's pretty much impossible for the living wills to act as they should - trading books are far too large and complex for easily unwind in an emergency.


The main reason, as far as I can see, is that the dividends are payments with which the shareholders may do what they want. Capital that the company has no use for does not make a significant positive return on investment, as you pointed out, yes the company could accrue interest, but that is not going to make the company large sums of cash. While the company may be great at making shoes - maybe even the best in the world - doesn't mean they are good investors. Sure they could dabble at using their capital to invest in other equities, but they don't, because they just want to focus on making shoes. If the dividend goes to the investors, they can do what they wish, be it reinvest in the company, or invest elsewhere. Other companies that may make good use of the capital, and create significant returns on it are one such example. That is the rational answer, beyond that, one of the main reasons is that people like the feeling of receiving dividends - it might not be the answer you are looking for, but many people prefer companies that pay dividends for no rational reason over companies which grow their asset value.


The GuruFocus Link is just reporting the high and low price of the quarter.  Price Range (Average) – The estimated trade prices. The average price   is calculated from the time weighted average during the period. If no   price range is shown, the trade prices are estimated trade prices,   which are more accurate estimates. AAPL: $420.05 - $549.03 ($467.26) The numbers for the high and low match what I found for AAPL on Yahoo Finance. Keep in mind their definition uses estimate 3 times.


Just because your gender is 'pirate' doesn't mean that you shouldn't work on being a little more patient, but then again, who doesn't?  When you are out at sea on your boat, have you ever heard your coworkers call you abrasive?


The answer to this question requires looking at the mathematics of the Qualified Dividends and Capital Gains Worksheet (QDCGW). Start with Taxable Income which is the number that appears on Line 43 of Form 1040.  This is after the Adjusted Gross Income has been reduced by the Standard Deduction or Itemized Deductions as the case may be, as well as the exemptions claimed.   Then, subtract off the Qualified Dividends and the Net Long-Term Capital Gains (reduced by Net Short-Term  Capital Losses, if any) to get the non-cap-gains part of the Taxable Income. Assigning somewhat different meanings to the numbers in the OPs' question, let's say that the Taxable Income is $74K of which $10K is Long-Term Capital Gains leaving $64K as the the non-cap-gains taxable income on Line 7 of the QDCGW.   Since $64K is smaller than $72.5K (not $73.8K as stated by the OP) and this is a MFJ return, $72.5K - $64K = $8.5K of the long-term capital gains are taxed at 0%. The balance $1.5K is taxed at 15% giving $225 as the tax due on that part.   The 64K of non-cap-gains taxable income has a tax of $8711 if I am reading the Tax Tables correctly, and so the total tax due is $8711+225 = $8936.  This is as it should be; the non-gains income of $64K was assessed the tax due on it, $8.5K of the cap gains were taxed at 0%, and $1.5K at 15%. There are more complications to be worked out on the QDCGW for high earners who attract the 20% capital gains rate but those are not relevant here.


I use the self-directed option for the 457b plan at my job, which basically allows me to invest in any mutual fund or ETF. We get Schwab as a broker, so the commissions are reasonable. Personally, I think it's great, because some of the funds offered by the core plan are limited. Generally, the trustees of your plan are going to limit your investment options, as participants generally make poor investment choices (even within the limited options available in a 401k) and may sue the employer after losing their savings. If I was a decision-maker in this area, there is no way I would ever sign off to allowing employees to mess around with options.


> But perhaps most encouragingly, American businesses are responding to the climate challenge, and for a simple reason: it cuts costs. A recent analysis of Fortune 500 companies revealed half have a goal in place to reduce their greenhouse gas emissions, while 190 companies reported savings of $3.7bn a year as a result of their climate action. The yearly emission reductions from these corporate efforts are equivalent to closing 45 coal-fired power plants.  Given this, where do rightwing whackjobs get the idea it will cost $3 trillion to adhere to Obama's climate pledge for the Paris agreement?


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If there's a general trend, be it debt, incarceration, drugs, whatever, black folks tend to take the worst of it. Prior to the 80's, 70% of tuition costs were picked up by the state, and the overall costs were reduced by schools running sideline businesses like farming and applying the proceeds towards costs (Google 'land grant universities').  They were typically managed by tenured faculty, and a summer job could pay the difference.  Now the schools are run by businessmen and investors, with the goal of making as much profit as possible instead of education. The state now only picks up 30% of the cost, and student debt tends to average about 30k+.  10 years of summer jobs would barely make a dent in that.


What he is saying is, you borrow lots of money and put it into my business and my business will go up in value and therefore between us we are richer.  What he doesn't say is, if his business profits are going to pay off the debt you have accrued. We all know the answer to this but his supporters are so blind in their loyalty that they will miss it. Also known as corporate welfare.


Seo is very essential part of a business or services, which are offers by the many companies, some companies give the best offer according to the market but didn't reach to the customers so seo gives them to return on their investment by marketing through the seo companies in uae, Google, social media or various marketing strategy. For a business taking off on constructing its online presence, the selection to optimise the discoverability of its website via search engines like google and yahoo should be the foremost and maximum pertinent gesture toward lengthy-term commercial enterprise development targets.


Shopping is easy, I don't want to buy it, carry it around, store it in my home or wear it.  It is just an opinion about whatever the shopping is for. When I don't want to spend the money on dining out, I just say I am broke and I will catch up next time.  Since they are my friends they understand and don't get too upset.  (like msemack says, if they get upset about it I don't think I would really care to spend time with them anyway) While I am a big fan or eating at home and being cheap, I also recognize that my desire to spend money and have fun can't be suppressed for too long:  make a budget item for having fun and spend some of your money on a good time with your friends and family. Make a date night with your spouse or friends and control when and where you go so your can control your budget.


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The gift card for specific stores has no fee. In our budget of nearly $500/mo for supermarket, it would be easy to just buy 10 x $500 cards, and then be careful with them.  A look at your past 12 mo of spending should provide a hint what GCs might work for you.  Else, for a $4.95 fee, I've bought $500 generic Visa cash cards. When my new credit card offered a 10% cash bonus for spending, I spent. Took us nearly 18 months to burn thru 500 cards. But a net $4500 gain was sweet.  Update - the cash card racks all appear to have a sign that these cards may no longer be bought with a credit card.


This is something you are going to have to work out with the leasing company because your goal is to get them to make an exception to their normal rules. I'm a little surprised they wouldn't take 6 months pre-payment, plus documentation of your savings. One option might be to cash in the bonds (since you said they are mature), deposit them in a savings account, and show them your account balance. That documentation of enough to pay for the year, plus an offer to pay 6 months in advance would be pretty compelling. Ask the property manage if that's sufficient. And if the lease is for one year and you're willing to pay the entire year in advance, I can't see how they would possibly object. If your employment prospects are good (show them your resume and explain why you are moving and what jobs you are seeking) a smart property manager would realize you'll be an excellent, low-risk tenant and will make an effort to convince the parent company that you should live there.


"I suppose if you can't differentiate yourself on quality (though I have no idea if that's the case here), going the ""we're doing God's work"" route is a good way of getting sales from people who will fall for it."


This.... It's actually far more expensive if you look at it from the nation-state  level. This is the same as a division of a company doing a shitty shitty job to save on their budget while annother division has to spend 10x out of their budget because of the Asshats in the other office...  Or say in construction, contractor A saved $80 by running the wrong pipe. Then Contractor B needs to overspend by $245k  when the pipe fails, fucks everything 3 floors down and all needs to be replaced anyway.    Do it right the first fucking time.....


Look at the aristocrat dividend paying stocks (https://en.m.wikipedia.org/wiki/S%26P_500_Dividend_Aristocrats).  These all pay dividends and have consistently outperformed the S&P 500 - 10.6% vs 7.4% the last ten years. While stocks should not be generally considered for short-term investing, I personally think the market is showing a general up trend for the next few years.  Also, the dividends add an additional buffer.   Because you would be making regular monthly investments, you should choose a fund that invests in  aristocrat stocks so you can set up an automatic  depost.


GuruFocus has an excellent summary of psychological barriers in the markets:  http://www.gurufocus.com/news.php?id=88451


Based on customer ratings that Best Buy customers post on the Best Buy website?  I wouldn't trust those ratings one bit.  The website is managed by the same company trying to sell you the product.  Also a simple rating out of 5 isn't very helpful.


There is no special protection for money obtained from an insurance pay-out.


"No, I understood your question perfectly.  I'm just saying that sort of situation is generally rare.   A quick Google search yields [this article] (http://www.investopedia.com/financial-edge/1112/small-business-financing-debt-or-equity.aspx) which responds to the question - Which funding method should I choose? with the answer ""Often you will not have a choice"".    That is exactly what I'm saying.  The status and stage of your business dictates what sort of financing is even available to you.  Most often you don't even have a choice between one or the other.  If you want a formula, the other people responding mentioned [WACC] (http://www.investopedia.com/terms/w/wacc.asp) which is the ""standard"" that finance professionals typically use.  You generally will want a WACC that is similar to other successful companies of your similar size and industry.  The actual mechanics of adjusting your WACC will involve either issuing (or repurchasing) equity or debt.  Regardless, what you are asking is not generally practical nor does it come into practice in 99 out of 100 financing situations.  WACC is important to understand and consider but people don't issue equity or debt just to balance their WACC.     Think about this another way... how easy is it to raise debt?  Probably fairly easy as usually you can go to commercial banks or go to an investment bank if you're raising enough debt.  Companies borrow all of the time, they're constantly paying off loans or taking new ones with different interest rates.  There are revolving lines of credit, secured loans, factoring (borrowing against receivables), EETCs, fixed interest debt, variable interest debt, mezzanine debt, etc etc.  How easy is it to issue equity?  Pretty amazingly difficult... sure you have your IPOs but that happens once in a company's lifetime.  You might have [secondary offerings] (http://en.wikipedia.org/wiki/Secondary_market_offering) or [follow ons] (http://en.wikipedia.org/wiki/Follow-on_offering) but those are incredibly rare... I mean you've probably never even heard of them right?  You don't hear about Apple or Boeing doing those every quarter do you?  You'll hear about private equity companies buying up firms and you'll hear about mergers all of the time but again those are once-in-a-company's-lifetime events.    So now that you've read that.. how often is a company **really** going to be deciding between debt and equity?  Not very often."


The old truck is collateral for a loan. The place that made the loan expects that if you can't pay they can repossess that old truck. If you sell it they can't repossess it.  The dealer needs clean title to be able to buy the truck from you, so they can fix up the truck and sell it to somebody else. I am assuming the the lender has filed paperwork with the state to show their lien on the title. Your options are three: As to option 2: If the deal still makes sense the new car dealer can send the $9,000 to the lender that you forgot about. That will of course increase the amount of money you have to borrow.  You will also run into the problem that this loan that you forgot to mention on your credit application may cause them to rethink the decision to loan you the money.


"I find it disgusting that somebody could conceivably be sued by a record label for distributing some early Rock and Roll from the 50s (which honestly should be public domain by now). Music that the labels cheated the artists out of the rights to. (""We'll pay you $50 to come in and record that song."")"


I have also tried Mvelopes in the past, and my experiences match yours. I currently use the desktop version of YNAB:You Need a Budget (YNAB 4), and I like it much better.  Where we failed after a while with Mvelopes, we are succeeding with YNAB, and have been now for the last 3.5 years. I don't want this to sound like a commercial for YNAB (I will give important caveats about YNAB later), but here is why I believe we have done better now with YNAB than before with Mvelopes.  I hope that these reasons will be useful to you when you are evaluating your next options. As you said, we also found Mvelopes' interface to be slow and glitchy.  YNAB 4 is a desktop app (with synching capabilities) that we found to be much quicker and easier to work with than Mvelopes' Flash-based interface.  (That was 4 years ago; hopefully Mvelopes has redone their interface since then.)   We also struggled with Mvelopes' connection with our banks.  With YNAB 4, there is no connection to the bank: everything has to be entered manually.  I initially thought this might be worse, but for us it has been better.  I can either enter transactions as they happen on the mobile app, or I can hold on to receipts and enter them every day or two in the evening, categorizing as I go.  We always have an up-to-date picture of our finances, and we don't have to mess with trying to match up downloaded transactions that have been screwed up, duplicated, or are missing. We aren't really using YNAB much differently than we were using Mvelopes, but we have learned a few tricks that I think have contributed to our success.  One of the things we do differently is that I don't obsess about the cash accounts too much.  Cash accounts, for us, are the hardest to keep track of, because most of our cash transactions don't have a receipt: we are paying a friend or family member for something, or leaving a tip, or something like that which we forget about when it comes time to enter into the software.  As a result, the cash account balances get off.  I periodically enter a correcting transaction to get the balances right, and have a budget category specifically for this that we have to put money in for these unknown transactions.  Fortunately for us, our cash spending is a small percent of our total spending (we usually pay with a credit card) so this bit of untracked spending isn't that big of a concern. With YNAB, the current month's budget is right in front of you as soon as you open up the app, which makes it easy to adjust your budget during the month, if necessary.  With Mvelopes (at least how their app worked 4 years ago), the budget was somewhat hidden after you funded your budget categories, and it was a bit of a pain to move money around between categories.  The ability to adjust your budget in the middle of the month is crucial; if you don't do that, you'll get frustrated the first time you find that you don't have enough money in a category for something you need.  YNAB makes it very easy to move money around inside your budget. That having been said, you need to be aware that the current version of YNAB is not a desktop application but a web-based app.  YNAB 4, the old desktop version which we have been using, is officially unsupported as of the end of 2016.  However, I see that it is still available for sale, if you are interested in it, the YNAB4 help site is still up, and the mobile app you would need to work with it on your phone (called YNAB Classic) is still in the app store.   As I said, the current YNAB is now a web app, complete with automatic downloading of transactions from your bank.  I have no experience with it (other than playing around with it a little), and so I can't tell you how quick the interface is or how well the auto-downloading of transactions works. As an alternative, another web-based solution is EveryDollar, from Dave Ramsey's company.  (I have never tried it.)  The advantage of this one is that it is free if you choose not to link it to your banks; the automatic downloading of transactions is a paid feature. I wrote an answer a couple of years ago in which I describe two different approaches that budgeting software packages tend to take.  I'm not familiar with Buxfer, so I don't know which approach it takes, but perhaps that answer will help you evaluate all of your software options. On the behavior side of things, besides the relaxing of the cash accounting I mentioned above, we also involve my wife a little less in the budgeting process than we used to.  (This is by her choice!)  I am the one who enters all the transactions into the software (she hands me all her receipts), I reconcile the accounts at the end of the month, and I set the budget for the next month.  We have been doing this long enough now that she knows what the budget is, and we only need to discuss it if we want to do something different with the budget than we have been doing in the past.  She has the YNAB app on her phone and can see where we are at with all of our budget categories.


I had no idea that 3 sentences could possibly last as long as you made them. Here is a slightly better and shortened version for you:  >You know I'm right. I'm right because people know what I know. Therefore I'm right. You ask dumb questions because you are dumb.  Using tautologies and circular reasoning isn't the best case for your argument. I'm sure that you can offer a better case.  Finally, downvoting is best in cases where the individual does not add to the argument,  not if they simply disagree with you. Or at least in theory.


Jordan, no need to worry about adult stuff, you go play with your friends in the sand box. Let mommy and daddy worry about that.  EDIT: Why are you all downvoting me? i explained it to him as though he were five. ITS A JOKE.


"I'm a SVP at a wealth management firm - I pay my admins extremely well (between $90k and $100k base + benefits + bonuses) and I expect a lot in return. Certain traits that I find critical include (but are not limited to):  -punctuality -organizational abilities  -time management  -multitasking -willingness to learn -ability to take action without explicit directions in some situations  -PRIVACY (with clients, internally, etc...) -gregariousness  -""thick skin"" (sometimes people say things they don't mean in the heat of the moment) -written and oral communication skills -strong work ethic -too many others to list  For example, I have 2 admins in their late 50s and are essentially superannuated employees - 1 of them resents the fact that I'm 37, and believes since she has been here longer than me she doesn't have to follow my directions. The other has never mentioned anything about age, etc...when it was announced that I would assume the role of CEO in the next 2-3 years, who do you think got nervous? My point is, be professional and treat everyone with respect. I would have to imagine it's difficult to climb the corporate ladder while being insubordinate or condescending.   When I talk to prospective clients (or current clients) I refer to them as ""team members"" and tell people that THEY are the ones that make everything happen. Neither one of them came from a financial background, but ""hard work respects hard work"".   If you have any questions, please feel free to ask me.   Good luck!"


Hahaha, why are you responding then. You can't disagree with facts. The national debt has gone down while trump had been you're president. That is a fact brought to you. Y the congressional budget office.  Under obama the debt went up 89% or 9 TRILLION DOLLARS. What is there to refute?


> Assuming that's my only source.  It's the source you posted. I haven't made any assertions of my own in this thread so the rest of your comment is moot as you're reading into something that isn't there.


"I wouldn't worry about ""it probably wouldn't be best time for withdrawal"" aspect too much.  With a bit of planning and organization, you could cash out investments held in one country and have them reinvested in another one in a matter of days (if not less), minimising your ""time out of the market"".  If the markets are cheap when you sell, the chances are you'll be able to buy in again at much the same price.  There's a small chance you miss out on the markets lurching upwards, but you might just as easily miss out on a fall and come out ahead.  Old saying: ""time in the market is more important than market timing"". Tax it's hard to discuss without mentioning specific countries.  e.g if you were resident in the UK you'd probably want to invest within an ""ISA"" tax-free wrapper; gains are tax free and there's no penalty for withdrawing when you leave.  No idea what equivalents there are around Europe. Interestingly there seems to be some recognition by the EU that this sort of thing is an issue for an increasingly mobile workforce; was recently some news of plans for a pan-European pension savings vehicle."


There are now lots of seller to buy phone but sellmyfone.com is one of the best where you can sell your phone with least amount of efforts at genuine price. You get reliable sale guaranteed and also free device pick up services.


I should apply for everything I can on the same day, get approved for as many as I can First it may not sound as easy. You may hardly get 2-3 cards and not dozens. Even if you submit the applications the same day; If you still plan this and somehow get too many cards, and draw huge debt, then the Banks can take this seriously and file court case. If Banks are able to establish the intent; this can get constituted as fraud and liable for criminal proceedings. So in short if someone has the money and don't want to pay; the court can attach the wage or other assets and make the person pay. If the intent was fraud one can even be sent to jail.


"The key to evaluating book value is return on equity (ROE). That's net profit divided by book value.  The ""value"" of book value is measured by the company's ROE (the higher the better). If the stock is selling below book value, the company's assets aren't earning enough to satisfy most investors. Would you buy a CD that was paying, say two percentage points below the going rate for 100 cents on the dollar? Probably not. You might be willing to buy it only by paying 2% less per year, say 98 cents on the dollar for a one year CD. The two cent discount from ""book value"" is your compensation for a low ""interest"" rate."


I don't know what is worse, the guy on that video's holier than thou, condescending attitude, the fact that anyone would dedicate an hour to criticizing the Young Turks (who have got to be about the dumbest and least relevant political commenter in existence), or the fact that this is posted to /r/business.  There is no point in this thread of garbage, from a comedian's political opinion, to a pack of college know-it-alls, to this ridiculous hour long breakdown of a bunch of college know-it-alls, that isn't completely garbage.


"Sry for getting -73.   It is fact that we don't have a minimum wage in Germany and that we developed a pretty large low income sector over the last ten years that often pays wages that are, in fact illegal in the US. And there are cases which involve workers receiving state benefits and essentially working for free in order to get back into the ""primary job market"". This last sector has a lot of fraud, often times to the sole disadvantage of the person working.  But Germany also has a tradition of less transparency compared to the US. This includes all aspects of life and has benefits. Much more privacy for example. But also severe drawbacks. Like this one. Where a lot of people simply choose to ignore a huge part of the population. Though it isn't 25% of the workforce that gets such low wages. It's still big though.  Your karma is outrageous."


This should not be taken to be financial advice or guidance. My opinions are my own and do not represent professional advice or consultation on my part or that my employer. Now that we have that clear... Your idea is a very good one.  I'm not sure about the benefits of a EBITDA for personal financial planning (or for financial analysis, for that matter, but we will that matter to the side). If you have a moderate (>$40,000) income, then taxes should be one the largest, if not the largest chunk of your paycheck out the door.  I personally track my cash flow on a day-by-day basis. That is to say, I break out the actual cash payments (paychecks) that I receive and break them apart into the 14 day increments (paycheck/14). I then take my expenses and do the same. If you organize your expenses into categories, you will receive some meaningful numbers about your daily liquidity (i.e: cash flow before taxes, after taxes, cash flow after house expenses, ect) This serves two purposes. One, you will understand how much you can actually spend on a day-to-day basis. Second, once you realize your flexibility on a day-to-day basis, it is easy to plan and forecast your expenses.


Almost every company carries massive debt. From a financial standpoint a company that has less than 70% of it's capital in debt is not utilizing it's growth potential.   There are a few companies that buck this trend but the vast majority of corporations carry absolutely massive debt at all time. Yes even the profitable ones. As long as they pay according to the plan all is well.


You're paying $850/yr interest, and probably earning close to zero on the $5000 in savings. I don't know why this feels safe in comparison to having both at zero, and depositing the payment you now make to the card into savings. Even if the payment is just $100, you'll have $1200 in a years time.  I don't know of an emergency that can't be handled on a credit card, and I'd go that route until you build up a decent real emergency fund. I wouldn't offer the same advice if the debt were low rate loans such as your mortgage or student loan, but 17% is high enough to do it this way.


At what point can you not afford the repair, and how will that repair affect your home? In your scenario, you would be claiming $1, which I could agree is universally bad. A good tip is to raise the deductible to the point you feel you can cover on your own so you aren't tempted.  (It would lower your premium too) This is what an emergency fund is for.  In your examples, if you have $10K in an emergency fund, don't file a claim.  If you have no emergency fund, and your roof is missing, I would suggest filing a claim. If you have no money, but the claim is to fix something that you could ignore (missing a back porch?  Lock the back door and don't go out of it) then save the $10K and pay for it out of pocket. When it doubt, pay for it out of pocket if possible.


Welcome to the wonderful but oft confusing world of self-employment. Your regular job will withhold income for you and give you a W2, which tells you and the government how much is withheld.  At the end of the year uber will give you and the government a 1099-misc, which will tell you how much they paid you, but nothing will be withheld, which means you will owe the government some taxes. When it comes to taxes, you will file a 1040 (the big one, not a 1040EZ nor 1040A).  In addition you will file a schedule C (self-employed income), where you will report the gross paid to you, deduct your expenses, and come up with your profit, which will be taxable.  That profit goes into a line in the 1040.   You need to file schedule SE.  This says how much self-employment tax you will pay on your 1099 income, and it will be more than you expect.  Self employment tax is SS/Medicare.  There's a line for this on the 1040 as well.  You can also deduct half of your self-employment tax on the 1040, there's a line for it. Now, you can pay quarterly taxes on your 1099 income by filing 1040-ES.  That avoids a penalty (which usually isn't that large) for not withholding enough.  As an alternative, you can have your regular W2 job withhold extra.  As long as you don't owe a bunch at tax time, you won't be a fined. When you are self-employed your taxes aren't as simple.  Sorry.  You can either spend some time becoming an expert by studying the instructions for the 1040, pay for the expensive version of tax programs, or hire someone to do it for you. Self-employed taxes are painful, but take advantage of the upsides as well.  You can start a solo 401(k) or SEP IRA, for example.  Make sure you are careful to deduct every relevant business expense and keep good records in case you get audited.


Yeah exactly what I thought. I've always gone on nikes website expecting *some* sort of discount but that shits even more expensive sometimes. So I was confused when he mentioned a markup. Might be a store to store basis.


Please direct personal finance questions to /r/personalfinance  However, my opinion is that you are unlikely to earn more than 7% annualized returns from any combination of asset offerings in your 401k over the next several years; therefore, you should pay off your student loans first. I am ignoring tax consequences, but /r/personalfinance may be able to provide a more quantitative answer.


"I wish I was in your shoes with the knowledge I have in my head. financial goal setting is a great plan at your age. In my humble opinion you don't want to save for anything... you want to invest as much as you can, create a corporation and have the corporation invest as much as possible. When there is enough monthly cash flow coming from your investments... have the corporation buy you a house, a car, take out an insurance policy on you as key employee... etc.  As for the $11,000 laying around in cash as an emergency fund, no way! With returns as high as 1-3% per month invested properly keep it invested. Getting to your emergency cash reserve you have in a trading account is only a couple key strokes away. As for the 401k... If it is not making at least 25% yearly for the last 10 years (excluding your Contributions) do it yourself in a self directed IRA.  Oh... I forgot to mention When your corporation buys your stuff... if set up correctly you can take them as a loss in the corporate ledger and you know any loss from one entity can offset profits from another, thus reducing any taxes you may have. My friend you are at the point of great beginnings, hard choices and an open door to what ever you want your future to look like. Decide what you want out of your money and don't take ""NO YOU CAN'T DO THAT"" as an answer. Find someone that will tell you these secrets, they are out there. Good luck."


I suggest looking at Bill Good's philosophy on cold calling. Print out his cold call sheets that teach you about cherries and pit polishing (especially the free articles on cold calling). He teaches you to keep work as fast a possible and keep your conversations as short and non-salesy as possible.   I'm sure he charges a fee for actually being taught how to fully envelop in his philosophy but I just utilized the free stuff from his website.   I will admit I'm still not a huge fan of cold calling even after using his system. Honestly, it's been like pulling teeth to get me motivated to pickup the phone. But he is one of very few that have created a science around it that could truly work.


Kroger is the largest grocery chain in the U.S. and generally not seen as 'expensive'. Unless you are going to Aldi or Save-A-Lot, I don't think you are going to find anything 'lower priced'. You do know you don't have to provide real information when signing up for those cards, right? That's basically a non-issue.


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