a) Nothing would support this company going back to $.50 per share b) Fundamentally the market for this sectors has been obliterated and the fundamentals don't look like they will improve. Similar companies experience what this one is and will be going through, they borrow the hilt and hope they can pump enough oil and sell the oil at a high price. Oil goes below, WAYYY below the price they can sell it at and even break even, so they are burning cash until they declare bankruptcy. This company is not an exception. So here is what to look at on their balance sheet: assets and liabilities. Liabilities are debt. Their debt is over 50% of their assets, that debt has interest and there is NO WAY they are making a profit. Their website's last financial statement is from September 30th.. LOL, so they haven't even released a quarterly financial statement in two quarters straight, so have they released anything? Given what we know about the dire state of the entire oil drilling industry, lets see if these guys are the exception to the rule (spoiler; they aren't) February 15th, 2015 http://www.marketwatch.com/story/strategic-oil-gas-ltd-provides-operations-update-2015-02-19-16173591 The Company prudently elected to stop the winter Muskeg drilling program     in order to preserve capital. So now they aren't even getting new assets to resale, they aren't making any money from that operation, their debt still has interest payments though. Approximately 700 Boe/d of production has been shut-in by suspending     operations at Bistcho, Cameron Hills and Larne, which are not economic     at current commodity prices. Predictable. Also, you should notice from their actual financial statements (from 6 months ago, lol) (when the price of oil was over 100% higher than it is today, lol), this company already wasn't a good performer. They have been financing themselves by doing private placements, by issuing shares to investors that are not you, and diluting the share value of ALL OTHER SHAREHOLDERS. Dead in the water. I got this from skimming their financial report, without even being familiar with how canadian companies report. Its just bad news. You shouldn't be married to this investment.


If you use a credit union, I look for the co-op network credit union ATMs.   Wide network of fee-free ATMs: http://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 You'll have to check with your bank or credit union to see what networks they belong to and if it isn't satisfactory to you, find a new bank or credit union.


There's a serious mistake in your analysis: granted, in the traditional IRA, you avoid paying taxes on the $5000 now, but you're now stuck paying taxes on $2.2 million dollars when you withdraw it later. Obviously, you'll end up paying massively more than $1250 in taxes on this in the end. As other people have pointed out, if you can afford to cut the $1250 elsewhere in your budget, you could still end up with the $2.2M. However, let's say just for argument that you don't; the question then becomes if you're better off taking the tax hit on the $5,000 now or the $2.2 million later. It also really matters how much money you'll be withdrawing when you retire as well as how you'll be doing the withdraws. Personally, my goal is to be able to withdraw as much per year as my highest salary while working, so clearly the Roth IRA is a good deal for me. An important consideration here is that most people believe that their expenses will go down when they retire, but the majority of retirees in some surveys have indicated that their expenses either stayed approximately the same or actually increased. Also, quick reality check: would the fact that you know you'd be saving $1250 on your taxes by contributing to the IRA actually cause you to contribute an extra $1250 to your retirement? Even if you personally would, I highly doubt that most people, with the exception of people who post on this site :), actually think that way (especially given how little most people actually save for retirement).


Also from Chipotle's website:  > It means that whenever possible we use meat from animals raised without the use of antibiotics or added hormones.  Again, they aren't claiming to be organic just stating that they don't want to have pigs that are raised with antibiotics.  You're putting the organic standard on them they're just saying they will do this whenever possible.


"You don't specify which country you are in, so my answers are more from a best practice view than a legal view.. I don't intend on using it for personal use, but I mean it's just as possible. This is a dangerous proposition.. You shouldn't co-mingle business expenses with personal expenses.  If there is a chance this will happen, then stop, make it so that it won't happen. The big danger is in being able to have traceability between what you are doing for the business, and what you are doing for yourself.  If you are using this as a ""staging"" account for investments, etc., are those investments for yourself?  Or for the business?  Is tax treatment on capital gains and/or dividends the same for personal and business in your jurisdiction?  If you buy a widget, is the widget an expense against business income?  Or is it an out of pocket expense for personal consumption?  The former reduces your taxable income, the latter does not. I don't see the benefit of a real business account because those have features specific to maybe corporations, LLC, and etc. -- nothing beneficial to a sole proprietor who has no reports/employees. The real benefit is that there is a clear delineation between business income/expenses and personal income/expenses. This account can also accept money and hold it from business transactions/sales, and possibly transfer some to the personal account if there's no need for reinvesting said amount/percentage. What you are looking for is a commonly called a current account, because it is used for current expenses.  If you are moving money out of the account to your personal account, that speaks to paying yourself, which has other implications as well. The safest/cleanest way to do this is to: While this may sound like overkill, it is the only way to guarantee that income/expenses are allocated to the correct entity (i.e. you, or your business). From a Canadian standpoint:"


Not a day goes by that someone isn't forecasting a collapse or meteoric rise. Have you read Ravi Batra's The Great Depression of 1990? The '90s went on to return an amazing 18.3%/yr compound growth rate for the decade. (The book sells for just over $3 with free Amazon shipping.) In 1987, Elaine Garzarelli predicted the crash. But went years after to produce unremarkable results. Me? I saw that 1987 was up 5% or so year on year (in hindsight , of course), and by just staying invested, I added deposits throughout the year, and saw that 5% return. What crash? Looking back now, it was a tiny blip. You need to be diversified in a way that one segment of the market falling won't ruin you. If you think the world is ending, you should make peace with your loved ones and your God, no investment advice will be of any value. (Nor will gold for that matter.)


I recently sold some property in which I structured the agreement with my realtor such that I would pay the normal 6% commission, 3% to each agent if the buyer came from another agent. If my selling agent found his own buyer, he would get 4.5% commission. As a seller it's possible to negotiate such deals before the house goes on the market. If you are selling another property you could similarly structure such a deal where your selling agent picks up the commission from buying the new place and agrees to reduce the commission on the place that you are selling leaving you in a better position than if you bought unrepresented. As an unrepresented buyer, you only have negotiating power insofar as the market allows. The seller's agent gains nothing from what you propose, so unless they expect trouble moving the house, waiting to see what other offers arise is certainly an option. If they are having trouble moving the house then just reduce your offer and see what happens.  When I pick a selling price the main factor is that I want to attract enough buyers that I can sell it quickly. Interest payments do add up. Selling a house involves more than just listing it for sale. I have a good relationship with my agent and have done multiple deals with him. I am willing to pay him because I believe it benefits me to do so. I wouldn't risk that relationship just to close a deal with an unrepresented buyer. That unrepresented buyer would allow for a reduced commission to 4.5% though in the contract I mentioned above.


The main reason for an UBI is to provide atleast some sort of income since a lot of people are projected to be out of a job due to automation. Hence that source of income, for the large part, will go to the basic needs first, like housing, power, food.  Atleast, that's what I suspect.  So if a landlord knows people can afford atleast X amount for housing, why would they offer it any cheaper?


Good points. I'm sure twitter has data on the value of Trumps account, but IMO the data for how much value Trump keeps away from Twitter is much less readily available. Anecdotally, I know many people that have either not gotten a twitter account or quit using the service altogether because of him. And I live in a red state. I'd think if the investors proved the economic value of the account was actually damaging to twitter user growth, they could have a case. One way would be to see where people are going for news, or creating new accounts, or time spent on the platform vs others like Facebook.


"No. One of the key ideas behind a corporation is that an investor's liability is limited to the amount he invests, i.e. the amount of stock he buys. This is the primary reason why small businesses become corporations, even though one person owns 100% of the stock. Then if the business goes broke, he won't lose his house, retiretment fund, etc. He'll lose everything he had in the business, but at least there's a limit to it. (In some countries there are other ways to achieve the same results, like creating a ""limited liabililty company"", but that's another story.)"


I'm almost in the same situation as you. Here is what I'm doing.  Buy ETFs each time you have above 3000€ saved up. I buy these: HSBC S+P 500 C.S.-MSCI PACIFIC UBS-ETF-MSCI EMERGING MARKETS ISH.STOX.EUROPE 600 They are taxable under Abgeltungssteuer, so no hassle with that, are cheap and cover almost the entire world economy. Don't worry what everyone else is doing. My friends all started buying stuff when they started earning real money. Now everyone has shitloads of stuff piled up somewhere, which never gets used.


"Hey Maison, Thanks for the reply. At this point we're not receiving any statements...I've tried multiple times to ask for papers but it always gets pushed aside and eventually forgotten about (I have a full-time day job as well). Does it make sense that the manager is collecting his full salary + extras, but we as the owners (at least my portion) are not getting anything? I think the manager is the one handling everything - including taxes, payroll, etc. I'm going to be putting in somebody that I trust, with more business acumen, to go and have a first hand look. Is there anything overly important you would suggest that needs to be focused on heavily and can easily shed some light on this issue? Like you said, this single point of failure may be what's killing me, and it makes no sense that the bar wouldn't be making any money since every time I've gone it always seems packed. The manager just kind of talks down to me when I try and ask him about the situation since he's the ""Expert"" and I'm relatively without experience, and always has a reason such as renovations, fixing of the roof, etc. all expenses that come out of the total earnings.."


Ok, I'll play ball. Where do you see the wrong doing?  Being in a room with a Russian for 20 minutes is not a crime, nor can it in anyway be concieved of as wrong doing.  Edit: of its own accord, of course.


Idk how to word this better but Is it possible to make 4000 in a month? I work full time for a school making 14.70 and my wife makes a little less full time at her job. Is there a way I can help myself maximize price to save based on what we have outgoing? Need a down payment for a home and really don't wanna use a government loan. (Moving snarky just want a better rate and lower closing fees). Thanks!


"Concealing parts of a document in order to obtain a signature is illegal. The company committed signature forgery because they effectively modified the document after you signed it (i.e. unfolded the parts that were previously folded). I suggest that you go to your local police department to file a report, citing ""signature forgery"". Once you have the police report, call your bank's fraud department (not the general billing dispute line) and cite the police report right away, specifically calling out ""signature forgery"". I would be surprised if you don't get a favorable outcome."


Me too it all started when I ordered a number five and they said medium or large. I asked which size was the price on the picture. Lady said Small...   When I am buying things off the menu, price is one of the two factors of my decision. I complained, they could not see the problem...


> Start a funeral home or casket/urn selling company -- profit off of the death of the Boomers.  The problem is that the Boomers will only start dying when GenX starts retiring. While your advice made me chuckle, it is better directed at Millenials. :)


If you are one of those who like travelling then you must plan Myanmar trip this time. This is a nice place to visit with family and friends. So, you can choose this place for vacation whether you are going with your friends or going with your family.


Investors are typically a part of the board of directors of the company. Because of their ownership in the company, they have a vested interest in its stock price. The same is true for management also in cases where they hold a certain percentage of equity in the company. Their incentives also get aligned to the stock price.


By the way Foxconn has announced they were opening factories in the US before and not followed through.  I get he's desperate for any kind of PR win... but you would think he'd save his big ceremony for when the thing actually opens as opposed to when it's just proposed.


"As a legal contract, a mortgage is a form of secured debt. In the case of a mortgage, the debt is secured using the property asset as collateral. So ""no"", there is no such thing as a mortgage contract without a property to act as collateral. Is it a good idea?  In the current low interest rate environment, people with good income and credit can obtain a creditline from their bank at a rate comparable to current mortgage rates.  However, if you wish to setup a credit line for an amount comparable to a mortgage, then you will need to secure it with some form of collateral."


Can you show me where? Because pretty sure when obama put a tax to help fund the ACA, the economy thrived, a million doctors were hired, hundreds of hospitals, and thousands upon thousands of walk in clinics we're built. And the stock market thrived more.


I think tradition is going to be a big obstacle to lab grown meat, as there arent that many ways to grow it in a way to fit the idea of meat for people who are used to eating actual meat for 20 or more years. the taste and texture is going to be really different. People are sensitive to this stuff. its like, i like meat, i have been eating it all my life, and now suddenly there is something entirely else that calls itself meat on the table.  No, if the cost is similar and it has a lot of marketing campaigns, im thinking years of marketing, behind it, its still going to be the same effect. meaning its not going to be this big money maker that its makers expect. you cant force a product to socceed if there is no product market match


Others have made excellent suggestions; one thing I would add - and this cannot be understated - is to assess your risk tolerance.  We tend to think of investing as a purely rational and financial decision, yet myself and so many others, when times get tough, make emotional decisions. Doing a risk tolerance test (as honestly as possible) will help you recognize what you can and can't handle.   On top of that, consider how well you face adversity or celebrations in other areas of life; I've found many similarities in the ways that we handle a gain in our investments to the way we celebrate a raise (same thing with adversity). Once you know this, you can begin the process of elimination on funds. [Added: the point above this, does not consume a lot of time and could end up saving you a great deal of money and emotional agony, so it's well-worth it.]


"Years ago I worked in an engineering firm that deployed Kaspersky AV to all the PCs. One of the wags in the department used to joke in a hilarious fake Russian accent ""Use Kaspersky for greatest glory of motherland, comrade!""  I'm wondering who he actually worked for now."


Right, in that case disregard most of what I've said that's specific, especially on the law bits. Check with someone local (or check the court websites) if small claims court is an option, and if you get a judgement what options there are to collect. A collection agency can also take the legwork out of that, mostly at the customer expense. And selling off debt is still an option, the US industry for that is even bigger than in the Netherlands. And your loss on that is most likely tax deductible, so ask yourself how much your time and aggro is worth.


If you have sufficient money to support yourself until you have a career, then paying off your student loan principal on unsubsidized, federal loans, is probably your best bet. This is because interest accumulates before you're actually required to pay. If they are private, make the payment on the highest interest rate loans.


Let's assume you have total year income I. The inflation rate is R and the growth rate is E every year. The contributed rate deducting 1.8% will be C = 0.982. So, for your account you'll have every year Let's assume you have annual income in 1000, then for years So, you'll deposit 40 000 and got at the end 129 023.60. But be careful, economic calculation for so long period could be very incaccurate because of the variation of the inflation rate, growth rate and various risks. The spreadsheet could be very useful. More accurate formula which assume that annual deposit grows only the half of the year. Thus, the result for 40 years will be 124 576.91.


I don't see how you could have this conversation without also including mention of the labor participation rate. If the unemployment rate is low but there is still a huge pool of workers trying to get back into the workforce then you still have high competition for positions which would depress the wage rate. This has been my experience looking for work in the last 12 months. Linkedin tracks applications and it is routine to see 100-300 applicants for entry level business analyst positions that are only a week or two old. Does that seem like low unemployment/low competition for work? Hell no. I bet most employers are still flooded with applications and can be as picky as they want and can lowball applicant wages.


To charge money for investment advice the only prerequisite is the 65. Find out what licenses your father has.   You can cover the 6, 63, 65, 66 and 7 with the 66 & 7.   I would suggest: Life and Health, 66, 7, CFP. In that order. But you might also be able to get away with the L&H, 6 and 63 (this is more common among older product sales based advisors) to get up and running.


Look at their dividend history.  The chart there is simply reporting the most recent dividend (or a recent time period, in any event).  GF for example: http://www.nasdaq.com/symbol/gf/dividend-history It's had basically two significant dividends and a bunch of small dividends.  Past performance is not indicative of future returns and all that.  It might never have a similar dividend again. What you're basically looking at with that chart is a list of recently well-performing funds - funds who had a good year.  They obviously may or may not have such a good year next year. You also have funds that are dividend-heavy (intended explicitly to return significant dividends).  Those may return large dividends, but could still fall in value significantly.  Look at ACP for example: it's currently trading near it's 2-year low.  You got a nice dividend, but the price dropped quite a bit, so you lost a chunk of that money.  (I don't know if ACP is a dividend-heavy fund, but it looks like it might be.) GF's chart is also indicative of something interesting: it fell off a cliff right after it gave its dividend (at the end of the year).  Dropped $4.  I think that's because this is a mutual fund priced based on the NAV of its holdings - so it dividended some of those holdings, which dropped the share price (and the NAV of the fund) by that amount.  IE, $18 a share, $4 a share dividend, so after that $14 a share.  (The rest of the dividends are from stock holdings which pay dividends themselves, if I understand properly).  Has a similar drop in Dec 2013.  They may simply be trying to keep the price of the fund in the ~$15 a share range; I suspect (but don't know) that some funds have in their charter a requirement to stay in a particular range and dividend excess value.


I have no idea about slushie machines but in general you order it, have it shipped and pay taxes and duty (if there is any). There may be a complication if the machines are not UL/CSA approved in this case, so you might need an engineer's report or some other paperwork or they might hang on to them.


Are you being willfully obtuse? Of course you can do both. However, had you never been taxed you'd have that same money to spend as you see fit, such as giving it to charity. Mind blowing right?   Oh so you know how to spend that money better huh? Maybe I say I know how to spend your money better than you. Fuck your charity for down syndrome. People with prostate cancer need it more. Here's your tax bill :)


Oh man... youve been to school for this, i can tell! Haha. Excellent points, some i havent thought of. Like i mentioned, im not a buisness major or anything but im smart enough (and stupid enough) to take chances if i see opportunity to make money. (A mindset that probably started with my majuana empire in high school lol).   I will most likely follow through with welding full time, at least until i have money built up to invest and still live comfortably. Like i said, im smart enough to know what needs to be done but im wide-eyed and hungry to make more also.   Anyway, thank you for your response, its very helpful and full of things i hadnt considered yet; specifically the investment structure of the company.


There are significant similarities, but also differences. The 1917 Revolution grew out of conditions near starvation. Also, soldiers (or sailors in that case) did not want to be canon fodder in an unnecessary war. We are nowhere near the point of revolution.  And thankfully so. Revolutions are more fun to read about than to live through.


After several hours of trying to get various import methods to work (see comment to other answer), I ended up just adding all the splits by just gritting my teeth, against the inefficiency of at all, and entered them manually. The process took a couple hours, but at least now I have clean data. Duplicating an existing transaction with splits and just changing the date is (a lot) more keyboard efficient than editing an existing transaction and adding the splits (Alt+N, L, 1/1/2011) even when accounting for the overhead of deleting the now-duplicate imported transaction (Alt+N, D, Alt+D).


"My wife and I have been ridiculously happy with YNAB. It's not ""online,"" but syncs across our phones & computers using Dropbox. It supposedly supports different locales and currencies, but I have never needed to try that out."


"**Useful idiot**  In political jargon, a useful idiot (also useful fool) is a person perceived as a propagandist for a cause the goals of which they are not fully aware of, and who is used cynically by the leaders of the cause. According to the Oxford Dictionary of Euphemisms, the phrase stems from useful fool to refer to ""a dupe of the Communists"" and was used by Vladimir Lenin to refer to those his country had successfully manipulated.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.24"


We provide business insurance at competitive  business insurance service rates to customers across the country. We can offer an assortment of answers for address their budgetary needs or business needs.  We are reliable for the best insurance policy, you can trust at the Oxford Risk LLC. We have cheapest policy for business. As you know, business insurance policy is supportable for us such as U.S. property/casualty insurer for business insurance Fairlawn Ohio capital strength should enable them to withstand near-term volatility related to hurricane events, but a major catastrophic hurricane could change that, according to a new report.We know getting insurance for your business is not always the easiest thing to do. With so many terms of any business and always coverage. Business owner's insurance policy is often the most convenient way of protecting your business's physical and financial assets.


I'm not in the industry, but the point of the quoted section suggests that hybrid debt (instruments with both debt and equity features) count as acceptable capital against upcoming required capital positions.   These instruments are going to be cheaper than using common equity, and provide a leverage effect that can improve the return on equity (same income/cash flow over lower required equity).


So we build the malls and obsolete them for the internet (Amazon) then Amazon buys the malls and uses them as brick and mortal distribution centers?  There is something wrong with this picture.  I no longer get to try on the winter coat before I buy it.  Same local distribution but no customer access to the product to try it out.  This sucks.


Miami Florida is one of the most treasured destinations for doing business. Not only for speaking, but Americans and people from all over the world. Its climate and buy a business in florida infrastructure make them the cradle par excellence of many immigrant entrepreneurs. Being a cosmopolitan city the competition is very arduous - but very possible if you devote the energy you should. When you decide to undertake, perhaps, the first thing you think is to throw something from scratch. And that involves a time of creation and development, testing, validation, market research and customers.


The bikes sold at Target or Walmart can't really be compared to a bike sold at an independent bike dealer or even a concept store from Trek, Giant or Specialized.   The key question I'm trying to solve is, how to go to direct sales when you already have a distributor network?


This sounds like a real consistency issue, then. When it comes to saying one thing and doing another with regard to spending money it seems common that a company just hasn't figured out why that kind of consistency is important.  To me it's a question of ROI. If a company insists on huge money-blowing events, what's the return? What is that event supposed to achieve, and is it worth it? Huge money blowing events can certainly be worth it when they actually generate long-term sales, significantly boost employee morale (in turn generating sales, hopefully) or similar. But as you obviously know, if all the employees involved in the event feel like it's bullshit before, during, and after it goes down then somebody didn't really look at the ROI before approving it.


You can start a software company. Than your office will be around the world and you can work whenever you want. If you can appoint some people who can collect work from here and there and the coder around the world can give you the job done(this can be done by posting your work in various freelancing site). It is challenging, because you have to get yourself up-to-date with the technological things.


[POSCO 's Logo is 'We Move the World in Silence.' ](http://en.wikipedia.org/wiki/POSCO)  South Korea lives in a bubble and they are fully aware of it.  As such, their country and governments are trying to do everything they can to leverage as much power as possible.  They are not wasting the aid they are receiving in the very least.


Even if this guy did not strike a deal, his negotiating skills were admiral enough that it would have drawn enough publicity to get a deal from an outside private investor.  Great website too, can't decide what I want.  http://www.elementbars.com


"If you don't use leverage you can't lose more than you invested because you ""play"" with your own money. But even with leverage when you reach a certain limit (maintenance margin) you will receive a margin call from your broker to add more funds to your account. If you don't comply with this (meaning you don't add funds) the broker will liquidate some of the assets (in this case the currency) and it will restore the balance of the account to meet with his/her maintenance margin. At least, this is valid for assets like stocks and derivatives. Hope it helps! Edit: I should mention that"


Meh. Seems like splitting hairs to me. I've tried to get Vanguard to open fossil-free index funds as Barclays has (and to which I moved heaping helpings of my Vanguard money) so maybe I'm part of the problem.   By the by, those fossil free funds have been outperforming their fossilized index counterparts.


The scammer is definitely up to something fishy. He (it's certain that the she is a he) may deposit some money into your father's account to gain his trust. After which, he will propose to come meet your dad. That's where the scamming begins. He will come up with a story about flight, VISA issues, or a problem he has to solve before coming over. Another is that he can use your dad's empty account to receive monies he scammed off people. That way there's no direct link with him and his other victim.


It isn't always clear cut that you should pay off a debt at all, particularly a mortgage. In simple terms, if you are making a better return than what the bank is charging you, and the investment meets your risk criteria, then you should not pay back the debt. In the UK for example, mortgage rates are currently quite low. Around 2.5 - 3% is typical at the moment. On the other hand, you might reasonably expect a long run average return of around 9 - 11% on property (3 - 5% rental yield, and the rest on capital gains). To make the decision properly you need take into account the following:


Consider contracting with a property management company to lease and maintain the house until it can be sold. Rent on the property should cover the mortgage, property taxes, etc. The property management company can handle maintenance and the tenant would be responsible for utilities.


One piece of documentation that might help here is a confirmation of your benefit selections through your employer for each year since the expenses in question were incurred, assuming you have a job with eligibility for benefits.  If you can prove which accounts you maintained through your/your spouse's (if applicable) employer(s), then it is relatively simple to go back through the records for those specific accounts and see if a specific expense was ever reimbursed.  Obviously, you can't prove through documentation that you didn't have accounts that don't exist. This seems like it would be more important for the accounts elected by a significant other, since I believe reimbursements from an account in your name would typically be reported to the IRS on your behalf anyway. Also, keep in mind that the IRS won't care about each line item individually.  Their focus will be on whether, for any given snapshot in time, your total reimbursed amount exceeded your total eligible expenses.


> Cutting taxes to raise tax revenue is a fantasy that has never come true. Reagan tried it and the deficit skyrocketed, so he reversed it:  Yet it is true when you understand economics. Texas is living proof of that. Big government overspending and trillions of dollars of extra national debt year over year is extremely wasteful, unsustainable with the threat of national bankruptcy.  >**[Trade Helps Explain Texas-Sized Job Growth](http://www.cato.org/blog/trade-helps-explain-texas-sized-job-growth)**  > By Daniel Griswold JULY 26, 2011 12:38PM  > As its governor, Rick Perry, weighs a run for the White House, Texas has drawn attention for its healthy job growth. Since the recession ended in June 2009, **Texas has accounted for half of the net new jobs added to the U.S. economy, according to the lead story in this morning’s USA Today.** That’s quite a record for one lone state. We’ll leave it to others for now to argue over how much credit Gov. Perry can claim.   > **Some credit surely goes to high oil prices, fueling job growth in a sector important to the Texas economy. Another reason for its relatively strong job growth is a friendly business climate, including no state income tax and relatively light regulations. And for those who scapegoat trade for the nation’s persistently high unemployment rate, consider that Texas is the nation’s number one trading state.** As the USA Today story notes:  > Overseas shipments by Texas’ strong computer, electronics, petrochemical and other industries rose 21% last year, compared with 15% for the nation, according to the Dallas Federal Reserve Bank. The state also benefits from its proximity to Latin American countries that are big importers of U.S. goods … The surge creates jobs for Texas manufacturers and ports.  > As I can attest from recent speaking engagements in San Antonio and Laredo, Texans have embraced their state’s position as the nation’s leading gateway for trade with NAFTA-partner Mexico and the rest of Latin America.  > While politicians and union bosses from other states grumble about allegedly unfair trade, the latest trade and job numbers show that the people of Texas are making the most of the opportunities created by our more open economy.


Assuming a good credit score with no issues like bankruptcy they look at 2 ratios: housing related debts and non-housing debts. For you the housing debts are: principal and interest ($1986/month), property taxes ($490/month), Home Insurance ($120/month) and HOA fee ($120/month). Add these up ($2716/month). You want this to be below 28% of your gross, though some lenders use 33%. For you 109K/year is 9083/month or 29.9%. The 20% down payment saves you the PMI payments. Note that the deductions for interest and taxes already hidden in the ratio limits, so don't try to reduce the monthly impact by a expected deduction. Many lenders will require you to give them the money from taxes and insurance each month, they will forward the funds to the government of insurance policy when the bills are due. The 2nd ratio is for the non-housing debts, which you claim to be zero. That should be less than 10%. If they insist on keeping you below 28% you might need a lower rate or bigger down payment. Your current income and budget have allowed you to accumulate significant savings, though you retirement balances seem low. The savings and CD balances show that you could increase your spending each month without severely impacting your financial health. Should you buy, can't be answered because that is an individual choice.  Keep in mind that home ownership also includes additional responsibilities that a renter can ask a landlord to fix and pay for. That is the stuff that is impossible to predict.


The Money Market is a place where one trades Instruments. The market is similar to that of the Stock Market. The instruments traded in Money Markets include Short Term Debt Instruments as well as FX Swap Instruments and Mortgage & Asset Backed Securities. The FX & Mortgage Securities are not Debt instruments per se. They also include other custom created instruments that are traded. The definition of Short Term debt is any guaranteed instrument with a maturity of less than a year. These instruments are used in various transactions, including retail and the Money Market is not the only place these are traded.


I quit the company during the Nadella transition.  I was a Site Reliability Engineer, and my entire discipline was gutted and tossed at the company, as were the testers. Maybe it's been good for consumers, but the way it was handled internally, with an indefinite stream of reorganizations and middle management competition, just made it a terrible place to work.  When I left, I had been through 9-10 reorganizations in as many months. Every time I'd get a project or a service to work on, we'd get moved. Most of my coworkers left for Amazon, some left the field entirely. I hope it's better now, nobody deserves that.  Windows Server 2016 was one of the worst builds I've ever worked with, and I have been really happy to stop supporting the OS entirely. The docker gaps in particular in the windows ecosystem seem pretty significant, and languages that don't run on Linux seem antiquated and useless because of pressures from cloud platforms.


Death of anyone can bring their close one’s in big distress and they found themselves unable to come up with this trauma of their life. When this death is of a spouse, the severity of trauma affects the life of the living one in such a huge extent that he/she begs for the death and keeps no desire of living. The inspirational books “BECAUSE THE SKY IS EVERYWHERE” and “BOTH SIDES NOW: A TRUE STORY OF LOVE, LOSS AND BOLD LIVING ” written by Nancy sharp  can work as great motivation for such people whose have no desire of living now.


Ariisto Celestia Codename Big Boom Mulund launched their 2BHK & 3BHK apartments. These apartments are configured for perfect living addresses next to Yogi Hills mumbai. The project is planned to develop towers including Wing A, Wing B, Wing C and Wing D. http://www.smcrealty.com/ariisto-celestia-codename-big-boom/


You're defending amazon against monopoly charges right here man...  They don't need to brainwash people or even advertise, they can enter any market they want and just destroy nearly all competition instantly.    They have so much money that they can take losses for years and years on any sector until they price everyone else out of business.     I do agree with you that Trump shouldn't be using threats against amazon as a political weapon.


That's different in that nobody pays him 46 million dollars in wages or salary. He is self employed and negotiates individual fees for his performances. This guy is almost certainly worth 46 million a year because he negotiates many fees amongst many paying clients. It's possible that a person receiving 1 salary from one employer is being overpaid but if you are dealing with dozens of employers it's unlikely that they are *all* overpaying market rates.


I'm in a similar situation as I have a consulting business in addition to my regular IT job.  I called the company who has my IRA to ask about setting up the Individual 401k and also mentioned that I contribute to my employer's 401k plan. The rep was glad I brought this up because he said the IRS has a limit on how much you can contribute to BOTH plans. For me it would be $24K max (myAge >= 50; If you are younger than 50, then the limit might be lower). He said the IRS penalties can be steep if you exceed the limit. I don't know if this is an issue for you, but it's something you need to consider. Be sure to ask your brokerage firm before you start the process.


Assuming US,but the principles apply in many (not all) places: If the bills are legitimate and issued by the federal government, they're legal tender and you can spend or deposit them. Old bills, especially silver certificates,  may be worth more than their face value to collectors (or may not).  Bills issued by banks, by the confederate states, or something like that have only collector's value (which will vary depending on exactly what they are and their condition). The value of money from another country will depend on the issuing country and exchange rates, of course. There's nothing wrong with windfall cash. The IRS may ask some nosy questions about it to make sure you aren't trying to hide something, but if you aren't deliberately trying to cheat them or hide something illegal that's generally harmless at worst.


Growing up poor leaves so many holes in your education. Not knowing how to manage money compounds the problems. What middle and upper class parents teach their children, I had to read a dozen books to learn. For example, negotiating starting pay. I didn't even know this was possible since minimum wage jobs pay- minimum wage. No negotiations.   I knew about dickering for a price when buying a car, but had no clue you could do this for other purchases. Clipping coupons was of course one of my skills, but had never bought in bulk to save money.   My dad taught me how to change a tire and the oil in my first beater, but I had never taken clothes to be dry cleaned or shoes to be resoled. Basically, I had never owned shoes worth repairing or clothes that couldn't be thrown in a washing machine with my jeans and tee shirts.   How do you choose where to invest your 401k? Had no clue. That required another six months of intense study and the help of a librarian.  You get thrown all these curve balls in your first real job that everyone else seemed to know all about it. Etiquette in a meeting. Proper handshake. Can I eat one of the muffins? Can I save one to go with my lunch? You feel silly, almost childish.


Don't really know but I can guess. Firstly, everyone thinks the price of gas is too high. You drive to work every day, and gas is basically the only product who's price is advertised from the street! From that perspective. So mentally, I argue, we overvalue an extra 1 percent discount on gas. It's only worth maybe 60 cents a month to me, but worth a lot of other interchance fees for the credit card company. Secondly, gas stations are a prime robbery target. Credit cards mean less cash in the till. And less chance for employees to steal from the till, and less chance of counterfit money. Finally, it's a competitive market. If stations don't accept a card, they'll lose business to elsewhere. There's a gas station on either side of an intersection, and you can always tell which station is a few cents cheaper because it's the one with customers fueling up while the other one is a ghost town. They feel they have to compete on convenience or go under, and the credit card companies recruit you into the game with higher cash back rewards.


"This is the best tl;dr I could make, [original](https://www.marketplace.org/2017/06/08/economy/kansas-legislature-rejects-2012-tax-cuts-once-seen-conservative-model) reduced by 80%. (I'm a bot) ***** > In 2012, Brownback signed tax cuts that reduced income tax rates and eliminated income taxes for more than 300,000 business owners.  > Kansas has been facing a two-year budget deficit approaching $900 million, and even some conservatives who don&#039;t like tax increases said it was time for a change.  > University of Kansas political science professor Patrick Miller said Brownback made this conservative economic model his brand - a signature policy that other states could copy.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6gc429/nonacademic_study_but_interesting_read_from/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~140565 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*: **tax**^#1 **state**^#2 **Brownback**^#3 **cuts**^#4 **budget**^#5"


This is a perennial favourite for fucktards and fools.  I simply walk away from any person who uses it. Because it is absolutely meaningless, except where someone uses it to try to justify retarded behaviour which has some miniscule hope of eventually paying off. It never does, for anyone using this piece of shit.


"No, you can't deduct any of that. What they're talking about is a flexible spending plan, otherwise known as ""Use it or lose it"" money.  You choose to put pre-tax dollars into a restricted fund.  This money is not taxed, in fact technically, it's not even income.  You can only spend out of that fund to buy parking, tolls, transit tickets, things like that.    Any money not used for those purposes in a suitable time period evaporates.   Gone, and irrecoverable.  You can't even take the loss as a tax deduction! You have to set this account up with your employer.   You can't just dig up your old transit and parking receipts and stick those on your Schedule A.   Take 3 people.   As you can see, Fran is shooting herself in the foot. This is where these plans can go wrong."


Companies already have to protect themselves against employees trading the company's shares with insider information. They typically do that in a number of ways: Taken together, this tends to mostly mitigate the risk of employees trading with insider information, though it's probably not perfect. In practice, the company itself's knowledge of insider information is the same as that of its senior management. So it makes sense for a company to be allowed to trade under the same conditions as its senior management. From https://corpgov.law.harvard.edu/2013/03/14/questions-surrounding-share-repurchases/ : If the company is repurchasing outside of a Rule 10b5-1 trading plan,   it should limit its purchases to open window periods when officers and   directors are able to buy and sell securities of the company. In   addition, the company also can choose to disclose any material   non-public information prior to any share repurchase if it is in   possession of material non-public information at a time when it is   seeking to make a share repurchase outside of a Rule 10b5-1 trading   plan. As mentioned in the quote, a company can also set up a trading plan in advance (at a time when it doesn't have inside information) to be executed unconditionally in the future. Then even if the company comes into possession of inside information, it won't be using this knowledge to direct trades.


"The government program to keep the unemployed from gaming the system that they mention isn't really what the article is about.  Most of their complaints are about internships, apprenticeships, and unpaid overtime for salaried employees.  The sectors that are most notorious for these sort of things are those that are often over-saturated with qualified candidates.  I work in graphic design.  The for-profit colleges in the US churn out graphic design graduates is disgustingly high numbers.  It's an easy program to sign people up for because is sounds fun.  ""Art is fun, computers are fun.  Make it a career!""  However there really aren't that many graphic design positions available.  Lots of unemployed or underemployed graphic designers means that more of them are willing to work for cheap or free to beef up their resumes.  Cheap freelance options means companies are getting rid of in-house designers.  Those of us that are left can no longer earn what we're worth but to keep doing what we love we have to suck it up and work the long unpaid hours for less pay.  similar things are taking place in a lot of sought after professions like finance, law, advertising, public relations, government, and various non-profits.  It's not terribly ethical, but it's hard to blame employers for not paying interns then they're salivating for a chance to run coffee just to get a foot in the door.  TL;DR: People want their long term career choice worse than they want to get paid immediately."


"In general, insurance payouts you receive in compensation for damage to your vehicle are not taxable income (see for instance this Nolo page). However, I don't see how that is related to your three bullet points about how your sister should buy her car.  You can transfer the money to her in any way that's convenient to both of you.  Whether the dealership will accept cash is something you'll have to ask them about, but my impression is most dealers are eager to accept cash. As long as the car you are getting from her is not worth substantially more than the $8500 you're giving her, I don't see that you'll be in trouble income-tax-wise.  As mentioned in the question you linked to, you can give each other up to $14k per year tax-free.  So if you give her a $8500 and she gives you a car worth roughly the same amount, no problem.  If you actually do it as a sale, even better, since then the only amount that will count as a gift to either of you is whatever one party gets above and beyond the fair value of the car.  (That is, if the car is worth $10000 but she sells it to you for $8500, she effectively gave you a gift of $1500 in car value.  If it's worth $7000 but she sells it to you for $8500, you gave her a gift of $1500 in cash.) As Rocky pointed out in a comment, if you do a sale it may be subject to sales tax depending on what state you're in.  In practice it is very common for people to not deal with sales tax in informal transactions like this between family members, but you do owe it if your state's laws require it, and the state could theoretically come after you for it. Another edit: I see from your comment you are in Michigan.  According to this page from the Michigan Secretary of State, ""no tax is due if you purchase a vehicle from an immediate family member"".  So you would not owe sales tax if you do it as a sale."


First you need to distinguish between short-term and long-term capital gains. In an IRA you can use investment strategies that incur short-term capital gains without being taxed as ordinary income. As mentioned in a comment above, with a Roth IRA, you can invest now at your low income tax rates and withdraw all gains without incurring any taxes at retirement time. You can also pull out your contributions penalty free before retirement age (59 1/2) if you've had the account for more than 5 years. You only pay taxes and penalties on the earnings. You can also make withdrawals for education expenses and you have one lifetime exclusion of $10,000 for a down-payment on a house.


"The short of it is that bonds are valued based on a fundamental concept of finance called the ""time value of money"". Stated simply, $100 one year from now is not the same as $100 now. If you had $100 now, you could use it to make more money and have more than $100 in a year. Conversely, if you didn't invest it, the $100 would not buy as much in a year as it would now, and so it would lose real value. Therefore, for these two benefits to be worth the same, the money received a year from now must be more than $100, in the amount of what you could make with $100 if you had it now, or at least the rate of inflation. Or, the amount received now could be less than the amount recieved a year from now, such that if you invested this lesser amount you'd expect to have $100 in a year. The simplest bonds simply pay their face value at maturity, and are sold for less than their face value, the difference being the cost to borrow the cash; ""interest"". These are called ""zero-coupon bonds"" and they're around, if maybe uncommon. The price people will pay for these bonds is their ""present value"", and the difference between the present value and face value determines a ""yield""; a rate of return, similar to the interest rate on a CD. Now, zero-coupon bonds are uncommon because they cost a lot. If I buy a zero-coupon bond, I'm basically tying up my money until maturity; I see nothing until the full bond is paid. As such, I would expect the bond issuer to sell me the bond at a rate that makes it worth my while to keep the money tied up. So basically, the bond issuer is paying me compound interest on the loan. The future value of an investment now at a given rate is given by FV = PV(1+r)t. To gain $1 million in new cash today, and pay a 5% yield over 10 years, a company or municipality would have to issue $1.629 million in bonds. You see the effects of the compounding there; the company is paying 5% a year on the principal each year, plus 5% of each 5% already accrued, adding up to an additional 12% of the principal owed as interest. Instead, bond issuers can offer a ""coupon bond"". A coupon bond has a coupon rate, which is a percentage of the face value of the bond that is paid periodically (often annually, sometimes semi-annually or even quarterly). A coupon rate helps a company in two ways. First, the calculation is very straightforward; if you need a million dollars and are willing to pay 5% over 10 years, then that's exactly how you issue the bonds; $1million worth with a 5% coupon rate and a maturity date 10 years out. A $100 5% coupon bond with a 10-year maturity, if sold at face value, would cost only $150 over its lifetime, making the total cost of capital only 50% of the principal instead of 62%. Now, that sounds like a bad deal; if the company's paying less, then you're getting less, right? Well yes, but you also get money sooner. Remember the fundamental principle here; money now is worth more than money later, because of what you can do with money between now and later. You do realize a lower overall yield from this investment, but you get returns from it quickly which you can turn around and reinvest to make more money. As such, you're usually willing to tolerate a lower rate of return, because of the faster turnaround and thus the higher present value. The ""Income Yield %"" from your table is also referred to as the ""Flat Yield"". It is a very crude measure, a simple function of the coupon rate, the current quote price and the face value (R/P * V). For the first bond in your list, the flat yield is (.04/114.63 * 100) = 3.4895%. This is a very simple measure that is roughly analogous to what you would expect to make on the bond if you held it for one year, collected the coupon payment, and then sold the bond for the same price; you'd earn one coupon payment at the end of that year and then recoup the principal. The actual present value calculation for a period of 1 year is PV = FV/(1+r), which rearranges to r = FV/PV - 1; plug in the values (present value 114.63, future value 118.63) and you get exactly the same result. This is crude and inaccurate because in one year, the bond will be a year closer to maturity and will return one less coupon payment; therefore at the same rate of return the present value of the remaining payout of the bond will only be $110.99 (which makes a lot of sense if you think about it; the bond will only pay out $112 if you bought it a year from now, so why would you pay $114 for it?). Another measure, not seen in the list, is the ""simple APY"". Quite simply, it is the yield that will be realized from all cash flows from the bond (all coupon payments plus the face value of the bond), as if all those cash flows happened at maturity. This is calculated using the future value formula: FV = PV (1+r/n)nt, where FV is the future value (the sum of the face value and all coupon payments to be made before maturity), PV is present value (the current purchase price), r is the annual rate (which we're solving for), n is the number of times interest accrues and/or is paid (for an annual coupon that's 1), and t is the number of years to maturity. For the first bond in the list, the simple APY is 0.2974%. This is the effective compound interest rate you would realize if you bought the bond and then took all the returns and stuffed them in a mattress until maturity. Since nobody does this with investment returns, it's not very useful, but it can be used to compare the yield on a zero-coupon bond to the yield on a coupon bond if you treated both the same way, or to compare a coupon bond to a CD or other compound-interest-bearing account that you planned to buy into and not touch for its lifetime. The Yield to Maturity, which IS seen, is the true yield percentage of the bond in time-valued terms, assuming you buy the bond now, hold it to maturity and all coupon payments are made on time and reinvested at a similar yield. This calculation is based on the simple APY, but takes into account the fact that most of the coupon payments will be made prior to maturity; the present value of these will be higher because they happen sooner. The YTM is calculated by summing the present values of all payments based on when they'll occur; so, you'll get one $4 payment a year from now, then another $4 in two years, then $4 in 3 years, and $104 at maturity. The present value of each of those payments is calculated by flipping around the future value formula: PV = FV/(1+r)t. The present value of the entire bond (its current price) is the sum of the present value of each payment: 114.63 = 4/(1+r) + 4/(1+r)2 + 4/(1+r)3 + 104/(1+r)4. You now have to solve for r, which is difficult to isolate; the easiest way to find the rate with a computer is to ""goal seek"" (intelligently guess and check).  Based on the formula above, I calculated a YTM of .314% for the first bond if you bought on Sept 7, 2012 (and thus missed the upcoming coupon payment). Buying today, you'd also be entitled to about 5 weeks' worth of the coupon payment that is due on Sept 07 2012, which is close enough to the present day that the discounted value is a rounding error, putting the YTM of the bond right at .40%. This is the rate of return you'll get off of your investment if you are able to take all the returns from it, when you receive them, and reinvest them at a similar rate (similar to having a savings account at that rate, or being able to buy fractional shares of a mutual fund giving you that rate)."


the math makes sense to invest instead of paying down, but... how much would you borrow at 3.5%, to invest the money into the stock market? It's the same question, just turned around.


Someone please feel free to correct me on this, but I believe the point is that the HSA is used to pay for that high deductible, and the insurance takes care of additional costs beyond the deductible.  I believe your premiums are lower as a result of the high deductible, but the HSA money helps to offset that cost of those deductibles when you encounter them.


The only certain way is to have the issuer confirm it. You'd think there would be a better way, but no there isn't. I suggest you read this story about what can happen even if you are the innocent victim trying to cash a fraudulent Cashier's Check. The consequences included some jail time and huge attorney fees for this unlucky person.


This is actually a very good point - any money that is spent on an employee in excess of the bare minimum required for them to perform their job should be viewed as a component of total rewards. You can directly extend OP's logic to any other form of compensation or benefits - Why let public employees take PTO except for when mandated by federal or state law? Why not target the 10th percentile of the market for all federal jobs? Why provide employees with retirement benefits? The answer to all of the above is that all elements of a total rewards package are necessary to attract, retain, and develop good employees.      I've done consulting in the sphere of organizational structure, design, and development. I've seen the type of employees that a bare-bones total rewards philosophy attracts, and I'm not sure that I want them working for the public.


Really?  the Post Office is the only anti-competitive resource you have?  You've brought it up what, four times now?  Tell me, what are the other anti-competitive things you are worried about?  Trump's tax cuts for the rich?  That's gonna bring a ton of competition /s  Oh wait!  It does the OPPOSITE!  Yes, The Post Office is bad for competition!  I already agreed with this!  Why are we rehashing it?!


I think what you will see is Amazon turning into a Sams/costco style where they have warehouse shopping centers to directly compete with other club memberships. If they get buildings added to the shopping package they offer, prime memberships will skyrocket and then the days might be numbered for Costco and Sams. How do you compete with a company that offers shipping at a loss to them and can now compete with all your in store options.


I have run Noscript and a version of ad blocker for years.  Google is not doing it for us but to protect their precious ad revenue. Less intrusive ads might not get blocked.   I also really hate the ads that blink. That is what got me started on ad blocker.   All I can say is that it's about time that some restraint was used to keep the visual and auditory pollution down.


Best Soccer Balls offers a great selection of the cheaper and premium soccer balls in the industry. From premium match balls and game balls to keeper training soccer balls and indoor soccer balls, Best cheap soccer balls. We strive to keep all of the new soccer balls and accessories in stock for our valuable customers. Our selection of Nike, Adidas soccer balls includes premium game balls.


> They pay for it with tax money. Why would they have to make people work for free that doesn't even make sense.  Where do you think tax money comes from?  If you pay a 25% tax rate, for every 100 hours you work, you are forced to work 25% of those for free.  Do you think the poor in America are in danger of starving to death?  They are one of the most obese groups in all of human history.  They are not in danger of starving.  Most people don't want tons of kids, but those in poverty have 15% more children than the rest of us.  That is a dangerous statistic that should be addressed.  You cannot escape from poverty by adding more bills and responsibility.


"Fair enough. I used to travel a lot (within a 100km of my home) and ended up eating at a lot of McDonalds. Ones that hadn't been renovated for the new ""look"", were near a border or were in a Walmart tended to be shittier. Ones in downtown used to be pretty consistent but I guess that probably has a bit to do with them being busier as well (no shitty McChickens that are crunchy because they've been heated too long).      Location | Food ---|--- France (Paris DT) | Good, fresh (as can be), slightly smaller portions US border (pennselvania) | sloppy as fuck, tons of sauce Italy (Rome) | Pretty good, like france except normal portions Germany (Frankfurt Airport) | pretty shit, stale burgers, stale fries, flat pop [armenians working there don't give a fuck] Malaysia (Kuala Lampur) | Acceptable, some local options on the menu Denmark | Pretty good, but different from NA McDicks. Different batter used on fried chicken, mayo tastes like grocery store stuff (for better or for worse) Sweden/Norway | See denmark London (Heathrow Airport) | Good, see italy Sri Lanka (Colombo DT) | Some odd topping choices, got a McChicken with cheese, not my thing personally Toronto DT | Hot food and fresh (as can be)"


If Trump does well, which I am 90% sure he will, then I will vote for him again.  Unless (!!!!), the DNC fight and fix the corruption in it and a descent Democratic candidate is chosen. I give less than 10% chance for this to happen (DNC fixing itself).   Hence, even if the DNC fix itself and we have a candidate like Kamala Harris (crazy far-left), I will not vote Democrats.  **I would have voted for Democrat O'Mally in the last elections if was nominated. But Hillary rigged it against him and Bernie.**


Event Organizers – If you are looking for experienced and expert event planners in Manchester, then you are just at the right place. Inevent offers event planning services in Manchester, UK. The company has A grade event management team to make your event the most memorable, inspiring and effective.


> and have it be predominantly black  No idea where you got that but lets assume its legit / accurate. How would it be legal under non discrimination laws? Also, again if this is legit, good luck with it. (site turns into a ghetto in 3... 2..)


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/crypto] [$100bn Challenge (weak crypto)](https://np.reddit.com/r/crypto/comments/6govis/100bn_challenge_weak_crypto/)  [](#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)


Right you just summed up the conventional wisdom, which is pretty much that poor people are stupid. But in small experiments so far, it's turned out that poor people know exactly what their biggest problem is, and when they've got the money they fix that problem. It's not always what know-it-all Westerners expected, but it's usually effective.


*Checks comments to see if anyone has any interesting or intelligent takes on this that maybe I haven't thought of.   *Sees 2 idiots pretending that climate change isn't real? Or something? Not even really sure what they're trying to say.   *Leaves  Edit: *Gets down voted by idiot climate change deniers.   *Still knows they're morons.


I don't think there is a legal requirement that you need a separate bank account. Just remember that you can only take money from your LLC as salary (paying tax), as dividend (paying tax), or as a loan (which you need to repay, including and especially if the LLC goes bankrupt). So make very sure that your books are in order.


could I decline it so the money would be returned back to the account they were transferred from? As a general banking practise, there is nothing automated that will allow you to mark something as return the funds. You would have to approach your Bank with a written statement mentioning that you don't recognise this credit as belonging to you and request the bank to take appropriate action.


A) Q1) No, you beat the system, you benefit from flip side of 'use it or lose it'    Q2) You need to ask, they may have a $50/week limit, or they may divide the amount you wish by remaining time in year. They may also not let you start till next enrollment period. B) Q1) No, in fact, you just lost $400 that you deposited but didn't spend. Q2) You missed the opportunity to spend an extra $1000 as well, but the loss was opportunity not pocket. Q3) Same as Q2 above, ask them. C) These accounts are not coupled. I'd change the law to do so, however, I am not a congressman.


"When you give a gift to another person or receive a gift from another person there is no impact on your taxes. You do not have to report certain amounts in your income, including the following: ...   -most gifts and inheritances; http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/ncm-tx/rtrn/cmpltng/rprtng-ncm/nttxd-eng.html If you give a gift to a charity or similar organization you can reduce your taxes. It is my recollection that when a family member gives a large amount of money to a child, tax on the income that money earns (typically interest) should be paid by the giver, not the child, but I can't find any publications to that effect on the CRA Site. There is a bit of language about ""Gifts"" from an employer that are really employment income: Gifts and other voluntary payments 1.3 The term gift is not defined in the Act. In common law jurisdictions, the courts have said that a bona fide gift exists when:   •There is a voluntary transfer of property,   •A donor freely disposes of his or her property to a donee, and   •The donee confers no right, privilege, material benefit, or advantage on the donor or on a person designated by the donor. 1.4 Whether a transfer of property has been made voluntarily is a question of fact. In order for a transfer to be considered voluntary, there must be no obligation to make such a transfer. Amounts received as gifts, that is, voluntary transfers without consideration and which cannot be attributed to an income-earning source, are not subject to tax in the hands of the recipient. 1.5 However, sometimes individuals receive a voluntary payment or other valuable transfer or benefit by virtue of an office or employment from an employer, or from some other person. In such cases, the amount of the payment or the value of the transfer or benefit is generally included in employment income pursuant to subsection 5(1) or paragraph 6(1)(a). (See also Guide T4130, Employers’ Guide - Taxable Benefits and Allowances.) Similarly, voluntary payments (or other transfers or benefits) received by virtue of a profession or in the course of carrying on a business are taxable receipts. http://www.cra-arc.gc.ca/tx/tchncl/ncmtx/fls/s3/f9/s3-f9-c1-eng.html#N10244 If the people in question are adults who are not related to each other and don't have a business or employment relationship, then you should find that regardless of the amount of the gift, neither giver nor recipient will have a tax consequence."


"The abysmal stats on personal savings concern me the most.  When push comes to shove, these people will vote to steal from those of us who made wise financial decisions and were responsible savers.  Forced draw downs of 401k's before retirement age?  Taxation on internal gains in retirement plans?  ""Wealth"" taxes on retirement balances?  It's coming in some form or another.  Stay vigilant!"


There is a clear difference between investing and gambling.  When you invest, you are purchasing an asset that has value. It is purchased in the hopes that the asset will either increase in value or generate income. This definition holds true whether you are investing in shares of stock, in real estate, or in a comic book collection. You can also purchase debt: if you loan money, you own debt that will (hopefully) be repaid and generate income.  Gambling is playing a game for chance. When you gamble, you have not purchased an asset; you have only paid to participate in a game. Some games have a degree of skill (blackjack, poker), others are pure chance (slot machine). In most gambling games, the odds are against the player and in favor of the one running the game.  Lottery tickets, without a doubt, are gambling.  There is a good article on Investopedia that discusses the difference between investing and gambling in more detail.  One thing that this article discusses is the house edge, or the advantage that the people running a gambling game have over the players.  With most casino games, the house has an advantage of between 1 and 15% over the players.  With a typical lottery, the house edge is 50%. To address some of the points made by the OP's recent edit and in the comments: I do not think the definitions of investment and gambling need to be dependent on expected value.  There can be bad investments, where the odds of a good result are low.  Similarly, there could be gambling games where the odds are in the player's favor, either due to the skill of the player or through some quirk of the game; it's still gambling. Investing is purchasing an asset; gambling is a game of chance. I do not consider a lottery ticket an asset.  When you buy a lottery ticket, you are just paying a fee to participate in a game.  It is the same as putting a coin in a slot machine.  The fact that you are given a piece of paper and made to wait a few days for the result do not change this. Assets have inherent value.  They might be valuable because of their ability to generate income (stocks, bonds, debt), their utility (precious metals, commodities, real estate), or their desirability as a thing of beauty (collectibles), for example.  A lottery ticket, however, is only an element of a game.  It has no value other than in the game.


That article was proven to be inaccurate because they did not account for a lot of factors. Here's a good article that summarizes their mistakes and poor assumptions. https://cleantechnica.com/2017/06/22/swedish-ev-battery-study-sucks/  It's ok to try to be fair but do it with accurate studies and good science.


Yes, you are getting shafted. In the end, you will have paid the full price of the condo, but still own only 25% of it. Your parents' stake in the home should decrease as you repay the loan. The way it is now, they're getting 75% of your condo for free!


"Your interpretation is *reasonable*, yes. But I think the author -- here, at least -- has an alternative interpretation that applies just as frequently.  In a large and/or public company, especially one that is not in a strong growth period, there is an *incredible* incentive to not get blamed -- and therefore, fired or undesirably transferred -- if something goes wrong.   The CYA approach may lead to a better decision by seeking best practices, or it may not. A given situation may be better served by some variation on best practicies. But the author is right in that CYA is top-of-mind in decision-making for many.  If something fails, but the decision-maker has done sufficient CYA -- ""We followed best practices but we hit a perfect storm of headwinds..."" -- then failure doesn't matter."


Simple.  Say in 2012 you were up 50% (brilliant) but then in 2013 you were down 50% (sorry). i.e. if you started with $1000, you were up to $1500, then down to $750. You lost $250 overall. If you were to compute the mean of the percentages using each method, then: Arithmetic mean: The average of +50% and -50% (really 150% and 50% of each period's initial value) is zero, not up or down. Geometric mean: 1.5 * .5 = .75, i.e. you are down 25% over 2 years, or about 13.4% per year. It should be clear the Geometric makes more sense in such a case.


No. Investors purchase ETFs' as they would any other stock, own it under the same circumstances as an equity investment, collecting distributions instead of dividends or interest. The ETF takes care of the internal operations (bond maturities and turnover, accrued interest, payment dates, etc.).


"If you speak English maybe put a sign up saying that you do.  I would prefer an English speaking driver over a non English speaking driver simply because it would be easier to communicate.  Maybe add some bright colors to make it more inviting?  Have a sign that says ""Free Smiles/Laughs With Ride"".  Start an Instagram page and become active on social media.    Best of luck, if I am ever in Siem Reap I will find you for a ride."


Generally, anyone can. Selling them is an interesting point, as the buyer has a counterparty risk that you won't be able to pay at the term of the contract. So, if I was a vendor buying a derivative in my example, I would definitely get that derivative from a bank as opposed to my friend Jim Bob. Especially in cases of bespoke derivatives, it doesn't make sense for anyone except people who have material interest to by it, as the expectation value of the hedge is negative. Essentially, you're more likely to lose money than gain money from a hedge. The exception is when you have information above that of the market, which could allow for a positive return. That is the reason that people advocate for derivatives as mechanisms of price discovery, because large imbalances aren't likely to form when someone could arbitrage or even just take positions when the market goes out of whack. That only really works in publically traded markets, however, bespoke derivatives don't really contribute to better pricing afaik.  Of course, that's the simple explanation to a huge, complex, and varied field. Certainly, speculators exist, particularly in the more commoditized derivatives. Especially in the leadup to the financial crisis, large amounts were spent on exotic derivatives that blew up in people's faces. The easiest thing to say about them is that they are double edged swords. In theory, they're fantastic, as it allows risk to be spread around to people that want it. It should lead to a safer system, as hedged comapnies are less exposed to shocks and are more resilient. But in practice, we've alao seen them used as risk concentrators (AIG). We've seen cases where correlations arise that weren't assumed before, and what used to be manageable positions become lead weights. We've seen the dangers that large systemically important financial institutions have when they are a counterparty to tens of trillions in notional derivatives, as when they fail the risk of failure is over every derivative they are counterparty to, not just the hedged exposure.   Sorry, this is more than you asked for. I tend to get carried away.


Ihre Zahungen sind bei uns sicher --Für jedes Unternehmen kommt irgendwann der Punkt, an dem ein Mahnverfahren notwendig wird. Hier gilt es wichtige Fristen einzuhalten, über die man sich vorab entsprechend informieren sollte um ein korrektes Verfahren durchzuführen.


"Even for me (I keep a fair bit of ""cash"" on hand because I'm self-employed) it would be a challenge to keep 5k in my checking account all the time when it could be in tax-deferred accounts making me money instead. I put the bare minimum in checking every two weeks as I've found when I leave money there it gets spent."


I don't think you can make that comparison at all. The '02 prius isn't using the same battery type as a new hybrid or EV and the charge/discharge and usage cycles are different between EV's and hybrids. There hasn't been enough EV's on the market to get good data as of yet, but the Leaf has had issues with failing batteries in warm climates. Nissan also claims that the battery should lose about 20% of it's performance over 60k miles (a far cry from negligible).


Bất cứ khi nào bạn muốn cải thiện điều kiện nhà với vật liệu chất lượng cao của thạch cao hoặc trang trí trần nhà. Điều này sẽ giúp bạn tiết kiệm được rất nhiều nỗ lực và số tiền bạn phải trả cho một chuyên gia để làm lợi cho bạn. Với những chương trình như vậy, bạn tin tưởng vào những kết quả nhanh chóng với một cú nhấp chuột máy tính. Cải tạo, cải tạo, sửa chữa phát triển, thi cong tran thach cao và các công trình khác. Để phân tích nhanh hơn, hãy đảm bảo bạn biết từ khóa và cụm từ tìm kiếm, ví dụ: Trần giả có thể được làm từ các chất khác nhau bao gồm Thạch cao, Khoáng chất Khoáng sản và Kim loại.


">>> it means you can't compare education to any good for sale  >> Why not?  > For the reason that I already gave  I don't know what reason that is.  You sort of suggested that education is not a good because you are forced to buy it but you're not forced and even if you were that doesn't mean it's not a good.  Otherwise you have just repeated that ""Education is not a consumable good"" without any justification.  > Who pays for inner city public schools? Not the students that want part of being there  By that logic, children's toys are not a product either because the kids who play with them don't pay for them."


Assuming you max-out your Roth IRA with $5000 in inflation-adjusted contributions every year from 25-65, your balance at age 65 will depend on the post-inflation return you get in the account.  Assuming you withdraw 4% per year after that, here is what your income will be: (All numbers are in inflation-adjusted 2011 dollars.)   If your post-inflation return is zero - if you buy treasury bonds, money-market accounts, or something like that - you'll have a simple $5000 * 40 = $200,000, which will give you an income of around $8000 per year. If you get a 3% post-inflation return - e.g. fairly safe Muni bonds, corporate bonds, and boring stocks - you'll approximately double your money to around $393,000, giving you an income of over $15,000 per year. If you get a 6% return - e.g. more aggressive stocks and more risk-taking - you'll approximately double your money again to over $825,000.  A 4% withdrawal rate will give you an income of around $33,000 per year. Stocks have historically returned around inflation + 8% - that will get you over $1.4 million - and an annual income of over $56,000 per year. So, yes, it is feasible to retire on nothing but a maxed-out Roth IRA.


Listening to the only Engineer's *Union* that I know of trying to argue for their union employees is novel, only because it's engineers.   There is nothing fundamentally wrong with outsourcing, but it does have to be done right. Too often, project managers just see it as a cost savings without really understanding the proper methods and costs to do so.   My guess is that, if you haven't done large-scale outsourcing before, you should expect the total might be more than doing it in-house. The benefit of outsourcing should be a better product and, eventually, a somewhat reduced total cost.


Everyone just wants to argue about Trump. Sure, he's a moron and doing an awful job, but while we're busy fighting about it, the rest of the government is free to mold things as they please, with the masses none the wiser.


"So, let's dump the specified way of doing things because it doesn't implement someone's pet project; is that your argument? ""Executive Orders"" are orders *to the Executive Branch*. Executive-branch agencies *aren't making laws*.  If you think things ought to work as your fantasy describes, get cracking on a Constitutional amendment to make it so; stop throwing ""war on whites"" and ""don't believe in science"" strawmen in the mix. They aren't arguments."


And the fact that if notes trade up high enough they tend to get taken out with lower yielding notes (pending the call schedule), so in theory there is more limited upside in high-yield, whereas equity could theoretically trade to infinity.  The positives for high-yield is that they generate monthly cash flow via coupon payments and have less down-side relative to equities. Naturally this lower down-side comes at the expense of lower up-side as well.


"Not if they're unfunded and the company goes under, they don't.  And more accurately, defined benefit plans have (perceived) value only to people who don't have the first clue how to soundly invest their own retirement funds - Which admittedly means ""almost everyone"".  But TANSTAAFL - Even the rare pension plan that is fully funded and soundly invested will *still* tend to underpeform the market as a whole.  If you really want to lock in a sub-5% return, just sink your entire retirement into whole-life annuities and you can gleefully call it a ""pension""."


"At this point the planet will cook due to the 30 gigatons of methane that will be released from the melting permafrost (and other similar feedback loops such as anticipated vast releases from the warming oceans etc.) pretty much regardless of the economic system.  But Capitalism's general ""profit at any cost"" mentality would seem to make it particularly poorly suited to even slowing the cook..."


It's because they're used to it and it works for them.  Everything other reason is meh. Used to, you could float a check to payday... have no money in the account, yet write a check a couple days before payday because you know that's how long it takes for the check to get to your bank and when it does, you'll have the money.   But most (if not all) business that still accept checks (a dying subset, for sure) electronically present the check now.  They take it from your hand, run it through a machine at the register, and it immediately clears the bank, just like a debit card would.   We're nearing the end of the check era, atleast on personal accounts.  Kids growing up now won't even know what a check is, aside from it's namesake on a type of bank account.


Is it normal in QuickBooks to have credit card expenses being shows as   liabilities? Is there a way I can correct this? If they are expenses they shouldn't be negative liabilities unless you overpaid your credit card by that amount. It sounds like perhaps when you linked the account the credit/debit mapping may have been mixed up. I've not used QB Online, but it looks like you might have to un-link the account, move all the existing transactions to 'excluded' and then link the account again and flip-flop the debit/credit mapping from what it is now. Hopefully there's an easier way. This QB community thread seems to address the same issue.


"Yes, I would agree we are arguing two things. One that is reality, and what that is not.   Reality is that while living in modern civilization, there is going to be a ""tax"" that we all have to pay, no matter where we are for the creation and maintenance of that stability."


Micromax is a very interesting company. Their made to order chinese phones are shit, but cheap. At the most they are value for money. Which makes them a huge player in India. Combined with good marketing, somewhat acceptable after sales and some android magic, this company is raking in billions. They should really invest some of this money into R&D, imho. Manufacture something at least.


Because people bought their shares under the premise that they would make more money and if the company completely lied about that they will be subject to several civil and criminal violations. If people didn't believe the company was going to make more money, they would have valued their shares lower during the IPO by not forming much of a market at all.


It definitely depends on the exchange you are trading on. I'm not familiar with Scottrade, but a standard practice is to fulfill limit orders in the order they are placed.   Most of the time, you wouldn't see stocks trade significantly under your bid price, but since penny stocks are very volatile, it's more likely their price could drop quickly past your bid and then return above it while only fulfilling a portion of the orders placed. Example 1. Penny stock priced at $0.12 2. Others place limit orders to buy at $0.10 3. You place limit order to buy at $0.10 4. Stock price drops to $0.07 and some orders are filled (anything $0.07 or higher) based on a first-come first-served basis 5. Due to the increase in purchases of the penny stock, the price rises above $0.10 before your order is filled ***EDIT*** - Adding additional clarification from comment section. A second example If the price drops from $0.12 to $0.07, then orders for all prices from $0.07 and above will start to be filled from the oldest order first. That might mean that the oldest order was a limit buy order for 100 shares at $0.09, and since that is above the current ask price, it will be filled first. The next order might be for 800 shares at $0.07. It's possible for a subset of these to be filled (let's say 400) before the share's price increases from the increased demand. Then, if the price goes above $0.10, your bid will not be filled during that time.


"What you're asking for is a short-term, large return investment. When looking for big returns in a short period of time, risk is inevitable. The more risk you are willing to assume, the higher your potential returns. Of course, the flip is is that the higher your risk, the higher the potential to lose all your money! Since this is an exercise for school (and not real money and not your life savings) your best bet is to ""go big or go home"". You can safely assume 100% risk! Don't look for value stocks, dividend stocks, or anything that pays a steady return over a long period of time. Instead, look for something risky that has the potential of going up, up, up in the next few months. Are you allowed to trade options in your fake portfolio? Options can have big risk and big reward potential. Penny stocks are super volatile, too. Do some research, look for a fad. In other words, you will most likely lose it all. But you get a little lucky, you could win this thing outright by making some risky investments. A 5% chance of winning $3000 vs 95% of going broke may be pretty good odds if everyone else is value investing for just a few months. You will need to get lucky. Go big or go home!"


"I don't know sports or athletes, but: https://coed.com/2016/08/29/tim-duncan-net-worth-how-much-is-tim-duncan-worth-money-spurs-nba-contract/  Sounds like yes, exactly like Duncan did.  edit: ""From 2005 to 2013, Tim Duncan lost $20 million due to to bad investments suggested to him by his financial advisor, Charles Banks, which ended in a lawsuit.""  Okay, I see the reference, that's shitty that he lost 20m, but that's the nature of investing."


Sarcasm value aside... Suppose there was a gas leak in a building and somebody predicted that there would be an explosion.  Would you think that prediction is worthless if they couldn't tell you exactly when or which spark, cigarette lighter, or device would actually ignite the gas?  Well ... that's what he's saying.


"Source?? Let me see all your evidence. What apps are you downloading and giving info too without permission? They have to request data and you have to click on ""allow""-- its baked into the API. Please show me your sources that show Apple knowingly allows apps to have and distribute my personal information without asking for permission.   These apps have access to all the encrypted data on my phone without my knowledge?? Please show me sources."


My friend lent that book to me over the summer, I read it in a few days, I couldn't put it down. The topic and his writing was so provocative that it made me want to pursue a career in finance. If you have other book recommendations I would greatly appreciate it.


Not directly an answer to your question, but somewhat related: There are derivatives (whose English name I sadly don't know) that allow to profit from breaking through an upper or alternatively a lower barrier. If the trade range does not hit either barrier you lose. This kind of derivative is useful if you expect a strong movement in either direction, which typically occurs at high volume.


One of the many reasons why condominiums became popular in the Philippines as a modern family-home is because of its location, in which most of these types of [condo in Philippines](http://www.ayalalandpremier.com/One-serendra.php) are found outside Metro Manila, either in the outskirts or in some popular neighboring provinces surrounding the capital, such as in Tagaytay and Laguna. These types of condominiums are known as condominium complexes.


You can look at buying a house as being a long term investment in not paying rent.   In the short time there are costs to buying (legal, taxes, etc).   This depends on only buying house of the size/location you need e.g. no better then what you would have rented. House buying tent to work out best when there is high inflation, as the rent you would otherwise be paying goes up with  inflation – provided you can live with the short term pain of high interest rates.


"The risk is that you will owe the bank the principal amount of the mortgage. Based on your question it would be foolish for you to sign. Anyone who describes a mortgage as ""something"" obviously has no idea what they are doing and should never sign a mortgage which is a promise to pay hundreds of thousands of dollars. You would be doubly foolish to sign the mortgage because if you are guaranteeing the loan, you own nothing. So, for example, if your friend sold the house, pocketed the money, then left the country you would owe the full amount of the mortgage. Since you are not on the deed there is no way you can prevent this from happening. He does not need your approval to sell the house. So, essentially what your ""friend"" is doing is asking you to assume all the risk of the mortgage with none of the benefits, since he gets the house, not you. If a ""girlfriend"" is involved, that just increases the risk you will have a problem. Also, although it is not clear, it appears this is a second house for him. If so, that disqualifies him from any mortgage assistance or relief, so the risk is even higher. Basically, it would foolish in the extreme to co-sign the loan."


Competing against other groups and against computers.   In this course we have some point in the future where we face a crisis. I would think I need to keep my debt levels low incase I need to get a long-term loan to cover my expenses over the 3rd year. In that case I might just hold off until before that date to maximize the debt load.  I also don't know what effect on our stock price our balance sheet has. I feel like when I analyze companies and see their balance sheets have a lot of debt I shy away depending on their share price.


"Your math is correct. These kind of returns are possible in the capital markets. (By the way, Google Finance shows something completely different for $CANV than my trading console in ThinkorSwim, ToS shows a high of $201, but I believe there may have been some reverse splits that are not accurately reflected in either of these charts) The problems with this strategy are liquidity and timing. Let's talk about liquidity, because that is a greater factor here than the random psychological factors that would have affected you LONG LONG before your $1,000 allowance was worth a million dollars. If you bought $1000 worth of this stock at $.05 share, this would have been 20,000 shares. The week of October 11th, 2011, during the ENTIRE WEEK only 5,000 shares were traded. From this alone, you can see that it would have been impossible for you to even acquire 20,000 shares, for yourself at $.05 because there was nobody to sell them to you. We can't even look at the next week, because there WERE NO TRADES WHATSOEVER, so we have to skip all the way to November 11th, where indeed over 30,000 shares were traded. But this pushed the price all the way up to $2.00, again, there was no way you could have gotten 20,000 shares at $.05 So now, lets talk about liquidation of your shares. After several other highs and lows in the $20s and $30s, are you telling me that after holding this stock for 2 years you WOULDN'T have taken a $500,000 profit at $25.00 ? We are talking about someone that is investing with $1,000 here. I have my doubts that there was no time between October 2011 and January 2014 that you didn't think ""hm this extra $100,000 would be really useful right now.. sell!"" Lets say you actually held your $1,000 to $85.55 there were EXACTLY TWO DAYS where that was the top of the market, and in those two days the volume was ~24,000 shares one day and ~11,000 shares the next day. This is BARELY enough time for you to sell your shares, because you would have been the majority of the volume, most likely QUADRUPLING the sell side quotes. As soon as the market saw your sell order there would be a massive selloff of people trying to sell before you do, because they could barely get their shares filled (not enough buyers) let alone someone with five times the amount of shares that day. Yes, you could have made a lot of money. Doing that simplistic math does not tell you the whole story."


Compound interest is your friend. For such a low amount of cash, just pop it into savings accounts or deposits. When you reach about 1.500€ buy one very defensive stock that pays high dividends. With deposits, you don't risk anything, with one stock, you can lose 100% of the investment. That's why it's important to buy defensive stock (food, pharma, ...). Every time you hit 1.500€ after, buy another stock until you have about 10 different stock in different sectors, in different countries. Then buy more stock of the ones you have in portfolio. You're own strategy is pretty good also.


"Probably the most important thing in evaluating a dividend yield is to compare it to ITSELF (in the past). If the dividend yield is higher than it has been in the past, the stock may be cheap. If it is lower, the stock may be expensive. Just about every stock has a ""normal"" yield for itself. (It's zero for non-dividend paying stocks.) This is based on the stock's perceived quality, growth potential, and other factors. So a utility that normally yields 5% and is now paying 3% is probably expensive (the price in the denominator is too high), while a growth stock that normally yields 2% and is now yielding 3% (e.g. Intel or McDonald'sl), may be cheap."


Why? Grocery stores had minimum wage employees as well. You made no sense at all there. People not being able to pay slave wages and still maintain huge corporate profits, OMG the horror! Yeah it's those god damn waiters and cooks needing to pay rent and bills fault! Yeah same to ya.  Oh and reading comprehension is a thing. I said I've run several businesses. One was a restaurant and bar too!


The house becomes an asset belonging to the estate of Alice.  The debt also goes with the estate.  The executor of the will should arrange for the debt to be paid off as part of sorting out the estate - they can't just hand out all the assets and leave nothing to pay off the debts. This could be done by selling the house.  But in practice, the executor and the mortgage lender may both be happy if Bob takes out a mortgage, uses that to pay the debt, then inherits the house.


"This is the best tl;dr I could make, [original](http://www.cbc.ca/news/business/minimum-wage-analysis-1.4141311) reduced by 90%. (I'm a bot) ***** > A recent analysis from the Washington-based National Employment Law Project says that more often than not, minimum wage hikes create far more jobs than they kill, about 12 months down the line.  > Proponents of minimum wage hikes argue they are a net positive for the economy, as they give a large number of low-paid workers more money, which they are more likely to go out and spend.  > Minimum wage hikes initially tend to disproportionately impact retail and restaurant workers.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6f6y80/boosting_the_economy_from_the_bottom_up_why/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~136151 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*: **wage**^#1 **more**^#2 **minimum**^#3 **job**^#4 **work**^#5"