tl;dr: Be patient, money is probably sitting somewhere, and it will eventually be credited back to your account. I had a similar problem about 10 years ago.  I sent an international wire transfer, from my own bank account in Germany to my bank account in Central America. I had done this before, and there had been no issues, but in this case, even though all the information was correct, the bank rejected the wire because it was above $10K, and in that case, the bank needs written proof from the owner of the receiving account (me) , and so didn't know where the funds were coming from. I had to call the local Sparkasse bank in Germany, as well as an intermediary bank in London to sort it all out, and in total, had to wait about 3-4 weeks to get the money back in my Sparkasse bank account.  At one point I thought I may never see that money back, especially since there was an intermediary bank to deal with, but it all worked out in the end.


With the S&P 500's cyclically adjusted price to earnings ratio above 26 and inching closer to 30 everyday I would be inclined to disagree. Also price trends and technical indicators say nothing about over and undervaluation. If fact technical indicators are worthless in the real world.


You have two different operations going on: They each have of a set of rules regarding amounts, timelines, taxes, and penalties. The excess money can't be recharacterized except during a specific window of time.  I would see a tax professional to work through all the details.


Save what you can. Due to compounding of interest, saving early is much more advantageous than saving the same amount later. Obviously you need money to live on, and you're entitled to spend some money on entertainment -- but set a budget on that and stick to that budget. Buying toys now deprives you of better toys later.  You aren't saving for an uncertain future; you are saving for a certain future!


"I read Rich Dad, Poor Dad and I must say, found a lot of value in it.  And I like to think I have a very good understanding of finance - both personal and corporate.  Econ major, have worked at several major brokerages dispensing financial advice for a living, including at my current employer.  But I do remember, back in 2005, when I read Kiyosaki's book, signing up to be contacted by a ""Rich Dad Coach"" - or something like that.  Basically, some guy at the Rich Dad company who would be a financial mentor or sorts.    Long story short, the Rich Dad Coach asked for my credit score, which was high, and proceeded to recommend that I max out my credit to buy a house to flip in ""1-2 months.""  Now, it's true that it could have worked.  But was it good advice?  Fucking hell no it wasn't.  And I think he wanted 5k to coach me through the process.  I could have made money doing it, even with paying him 5k, but SPECULATING by taking out personal lines of credit is not consistent with anything in the Rich Dad book.  Showed me right there that while the book's advice may be good, that organization was just out to make a buck at the readers' expense."


The answer provide by @mbhunter is correct, however there are contexts, shorting in spot market and carrying the position over settlement usually does not entail payment of dividend to the broker, one of the reason being post ex-date the price of the share downward adjusts to the extent of the dividend, so practically if you have shorted at 100 and post ex-date (assuming a dividend of 2 and no movement of the stock price), the price would slide to 98, the party who longed the stock @ 100 now is sitting on a price of 98 and received a dividend of 2 which equates to 100. The above is also contextual to the law of the country governing the exchange and the security exchange board regulations.


Aside from the fact that there are massive problems with taxes, liability, fiduciary responsibility, and (assuming you're accepting any sort of compensation at all) licensing. The mere fact that you're asking this question indicates that you're probably not suitably qualified to handle this for others. Why not have someone qualified handle this?


The first thing I assess when looking at new credit cards is whether it has no annual fee, the second thing I look at is how long the interest free period is. I always pay my credit card off in full just before the due date. Any rewards program is a bonus. My main credit card is with CBA, I have a credit limit of $20K and pay no annual fee. I get a bonus point for every $ I spend on it, for which I exchange for store gift cards to help with my everyday spending. Approximately 3500 point would get me a $25 gift card. But my main reward with the card is the interest I save by keeping my own money in a Home Loan Offset account whilst I spend with the Bank's money. Then I pay the full amount off by the due date so I do not pay any interest on the credit card. I only use my credit cards for purchases I would usually make anyway and to pay bills, so my spending would be the same with or without a credit card. I can usually save over $500 each year off my Home Loan interest and get about $350 worth of gift cards each year. If I didn't have any Home Loans then I would keep my money in a high interest depost account so I would be increasing my interest payments each year. Sure you can probably get credit cards with more generous rewards programs, but how much are you paying each year in annual fees, and if you don't have an interest free period and you don't pay off all the amount due each month how much are you paying in interest on the card? This is what you need to way up when looking at rewards programs on offer. Nothing is for free, well almost nothing !


In short: yes, as long as you have Internet access. See, for example this question or this one about opening a brokerage account from outside the US.  Your sister could even open an account here in the US and provide you with access. However, I'm guessing you're not a registered or even formally trained financial advisor and if you make bets with her money that don't work out well, she could get pretty upset with you.   You might consider doing research from Bangladesh on good financial advisors and picking one (or a few) to recommend she go see in the US.  EDIT: OP hopes to be a financial advisor in the future. Given that comment, I'd recommend looking into becoming a Certified Financial Planner (unless CFA suits your goals; you indicated that process is already underway), as a step towards that goal.  Information about the certification in the US is here, in India here, and in some other countries here.


"This is the best tl;dr I could make, [original](http://www.latimes.com/local/lanow/la-me-prison-costs-20170604-htmlstory.html) reduced by 75%. (I'm a bot) ***** > The cost of imprisoning each of California&#039;s 130,000 inmates is expected to reach a record $75,560 in the next year.  > Gov. Jerry Brown&#039;s spending plan for the fiscal year that starts July 1 includes a record $11.4 billion for the corrections department while also predicting that there will be 11,500 fewer inmates in four years because voters in November approved earlier releases for many inmates.  > Since 2015, California&#039;s per-inmate costs have surged nearly $10,000, or about 13%. New York is a distant second in overall costs at about $69,000.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6sg0yg/til_that_housing_a_prisoner_in_california_now/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~186368 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*: **inmate**^#1 **cost**^#2 **prison**^#3 **California**^#4 **population**^#5"


like any share, valuing facebook requires a projection of earnings and earnings growth to arrive at a present value for the right to share in these future earnings.   there are economic arguments to be had for facebook to see either a negative or positive future long term net income growth. given the uncertainty we can establish a very rough baseline value by treating it as a perpetuity (zero growth) discounted at historical equity growth rate (8%) with some very simple math. An annual net income of 900 million discounted at 8 percent in perpetuity is worth 11.25 Billion.  Now, take into account the fact that tech stocks trade at an inflated PE multiple of around 3 times that of a mature company in an established industry (PE x10-20 for average stocks and anywhere between x30-60+ for tech stocks), and I would expect the market cap for this perpetuity to be around 34 Billion.  A market cap of 34 billion is a share value of around 15.5, which is the point where I would take up a long position with fair confidence. I do think that the share deserves a premium for potential income growth (despite the current and potential future revenue losses) simply due to the incredibly large user base and the potential to monetize this. Of course, it wasn't worth the 22 dollar premium that IPO buyers paid but its worth something.  I think there is simply too much uncertainty for me to go long in the next 6 months unless it hits 15/share which may never happen. If the company can monetize mobile and show quarterly results in the next year I would consider a long position for anywhere from 15-20 a share.


Less than 1/5th of the country. Narrowing down the demographics based on margins it was rural, uneducated, 45-64 year old white guys who weren't bothered by Trump sexually harassing women that really got him the vote [according to the exit polls.](http://www.foxnews.com/politics/elections/2016/exit-polls)


The Trump tax plan is strongly modeled on the Kansas's Republican Governor's tax plan.  Given that it was fairly radical in size (corporate tax rate to zero), and eventually it was repealed by the Republican Kansas legislature, I think folks should look at some of the research on [the great Kansas tax cut experiment](https://www.brookings.edu/blog/unpacked/2017/07/11/the-kansas-tax-cut-experiment/).  PS: Trump's current tax plan is pretty different than the tax plan he campaigned on and talked about in his standard stump speech which was pretty populist and not shocking, i.e. a broad middle class tax cut vs. the current plan which is geared primarily to benefit the rich and corporations.


Most commodities offer something of value inherent in itself. The bitcoin does not. If people don't trust or want to use bitcoin as a currency, bitcoin is useless. If people don't like or trust coffee beans anymore, you can still make a cup of coffee with them.


I go to a brewpub if I want a good steak.  And I can get beer that was brewed in house.  If I want good wings or burger I go to a real bar. If I want good ribs I go to a BBQ place. They are only roughly 15% more expensive than Applebees and Fridays anymore and the quality far exceeds the price difference.


>The Fair Labor Standards Act (FLSA) does not define full-time employment or part-time employment. This is a matter generally to be determined by the employer. Whether an employee is considered full-time or part-time does not change the application of the FLSA, nor does it affect application of the Service Contract Act or Davis-Bacon and Related Acts wage and fringe benefit requirements.  http://www.dol.gov/dol/topic/workhours/full-time.htm#.UI4A4MXR4bI


Would you buy this used car, in its current condition but with new tires, for the price of the tires? If so, buy the tires.


There are two Questions: Financial institutions do not care about your nationality, only your ability to pay over time. For long term debt the lender will want assurances that the borrower has the ability and means to pay the debt over time. A legal resident in the US should have no more difficulty obtaining financing than a citizen under similar life circumstances. The Lender is also under legal obligation to confirm that the borrower is who they say they are, will have the ability to pay over time AND have no malicious intent in the purchase. Persons who do not have legal status in the US, AND who do not have the means to pay for property outright will have difficulty obtaining financing as they will have trouble establishing the requirements of the Lender. This is simple math, a lender will be reluctant to lend to any person who is more likely to have difficulty paying the obligation than another. In your case Your father would be an unlikely candidate for a mortgage because he cannot establish his legal status nor can he guarantee that he will have the legal right to earn a means to pay the loan back. This puts the lender at risk both of losing the money lent AND losing the right to repossess the property if the borrower doesn't pay.  Despite all of the obstacles I have indicated above, it is still possible for your father to purchase property legally, but the risk and the cost go way up for him as a borrower. There may be sellers willing to finance property over time, but your father's status puts him at a disadvantage if the seller is not honest.  There may be community coalitions which can help you work through the challenges of property ownership. Please see these related articles


"Also, in the next sentence, what is buyers commission? Is it referring to the share holder? Or potential share holder? And why does the buyer get commission?  The buyer doesn't get a commission.  The buyer pays a commission.  So normally a buyer would say, ""I want to buy a hundred shares at $20.""  The broker would then charge the buyer a commission.  Assuming 4%, the commission would be  So the total cost to the buyer is $2080 and the seller receives $2000.  The buyer paid a commission of $80 as the buyer's commission.   In the case of an IPO, the seller often pays the commission.  So the buyer might pay $2000 for a hundred shares which have a 7% commission.  The brokering agent (or agents may share) pockets a commission of $140.  Total paid to the seller is $1860.   Some might argue that the buyer pays either way, as the seller receives money in the transaction.  That's a reasonable outlook.  A better way to say this might be that typical trades bill the buyer directly for commission while IPO purchases bill the seller.  In the typical trade, the buyer negotiates the commission with the broker.  In an IPO, the seller does (with the underwriter).   Another issue with an IPO is that there are more parties getting commission than just one.  As a general rule, you still call your broker to purchase the stock.  The broker still expects a commission.  But the IPO underwriter also expects a commission.  So the 7% commission might be split between the IPO underwriter (works for the selling company) and the broker (works for the buyer).   The broker has more work to do than normal.  They have to put in the buyer's purchase request and manage the price negotiation.  In most purchases, you just say something like ""I want to offer $20 a share"" or ""I want to purchase at the market price.""  In an IPO, they may increase the price, asking for $25 a share.  And they may do that multiple times.  Your broker has to come back to you each time and get a new authorization at the higher price.  And you still might not get the number of shares that you requested.   Beyond all this, you may still be better off buying an IPO than waiting until the next day.  Sure, you pay more commission, but you also may be buying at a lower price.  If the IPO price is $20 but the price climbs to $30, you would have been better off paying the IPO price even with the higher commission.  However, if the IPO price is $20 and the price falls to $19.20, you'd be better off buying at $19.20 after the IPO.  Even though in that case, you'd pay the 4% commission on top of the $19.20, so about $19.97.   I think that the overall point of the passage is that the IPO underwriter makes the most money by convincing you to pay as high an IPO price as possible.  And once they do that, they're out of the picture.  Your broker will still be your broker later.  So the IPO underwriter has a lot of incentive to encourage you to participate in the IPO instead of waiting until the next day.  The broker doesn't care much either way.  They want you to buy and sell something.  The IPO or something else.  They don't care much as to what.   The underwriter may overprice the stock, as that maximizes their return.  If they can convince enough people to overpay, they don't care that the stock falls the day after that.  All their marketing effort is to try to achieve that result.  They want you to believe that your $20 purchase will go up to $30 the next day.  But it might not.   These numbers may not be accurate.  Obviously the $20 stock price is made up.  But the 4% and 7% numbers may also be inaccurate.  Modern online brokers are very competitive and may charge a flat fee rather than a percentage.  The book may be giving you older numbers that were correct in 1983 (or whatever year).  The buyer's commission could also be lower than 4%, as the seller also may be charged a commission.  If each pays 2%, that's about 4% total but split between a buyer's commission and a seller's commission."


not really.  drinking a single beer is not the same level of intoxication as smoking a single joint.  source:  i have done both many times ;D  not sure where maturity comes into it.  perhaps you are young and consider that to be some kind of trump card.


">You can do it by downloading the kindle file directly from the Amazon site which I think is the generic version  Na, mine was signed for my very own kindle, even though it was set to ""Download to computer."" They must use the kindles serial number I had to type in when I registered.  Why aren't you using your kindle no more?!"


POS stands for Point of Sale (like a specific store location) which indicates that the purchase occurred by using your debit card, but it can also be the on-line transaction done via 3-D Secure. Checking with bank, they said that Kirchstrasse transaction could be related to direct marketing subscription service ordered on-line. Investigating further what I've found these kind of transactions are performed by 2BuySafe company registered at Kirchstrasse in Liechtenstein with went through the MultiCards on-line cashier which can be used for paying different variety of services (e.g. in this case it was polish on-line storage service called Chomikuj). These kind of transactions can be tracked by checking the e-mail (e.g. in gmail by the following query: after:2014/09/02 before:2014/09/02 Order). Remember, that if you still don't recognise your transaction, you should call your bank. I have found also some other people concerns about that kind of transactions who ask: Is 2BuySafe.com and www.multicards.com some sort of Scam? Provided answer says: MultiCards Internet Billing is a provider of online credit card and   debit card processing and payment solutions to many retailers   worldwide. MultiCards was one of the pioneer companies offering this   type of service since 1995 and is a PCI / DSS certified Internet   Payment Service Provider (IPSP) providing service to hundreds of   retail websites worldwide  MultiCards is a registered Internet Payment   Service Provider and has implemented various fraud protection tools   including, but not limited to, MultiCards Fraud Score Tool and   'Verified by Visa' and 'MasterCard SecureCode' to protect card   holder's card details.  2BuySafe.com Is also Secured and Verified By   GeoTrust  The certificate should be trusted by all major web browsers   (all the correct intermediate certificates are installed). The certificate was issued by GeoTrust.  Entering Incorrect information can lead to a card being rejected as @   TOS  2BuySafe.com is hosted on the Multicards Server site


You must not have been listening very hard. Obviously the Republican cheerleaders were quiet, but that's not the entirety of the opposition to high spending.  Similarly, anti war protestors were awfully quiet while Obama was in office.   This sort of things should s who has principles, and who is a party shill.


During the course of the year, the S&P individual stocks will have some dividends. Not every last stock but a good number of them. Enough that the average dividend for the S&P has been about 2% recently.  So if the S&P index goes up, say 10%, an S&P fund should go up closer to 12%. For a fund holder, you'd normally see a declared dividend and cap gain distribution toward the end of each year. When you hold shares in a 401(k), dividends are reinvested into the fund, usually with no involvement from the members.


Citizens Advice can tell you whether it would be possible / worth taking it to Small Claims Court or not, and how to phrase your claim if so.  If you do go to Small Claims Court, you don't need legal representation. I would think of Citizens Advice as a kind of triage as to whether you need to seek legal advice or not.


The example you give would clearly be illegal, and so unenforceable in court.  If a contract contains a clause which is deemed legal but so unreasonable (completely unfair) it is unenforceable by the court, then the court can replace that cause with a more reasonable clause.  I think it would be a fairly expensive (and likely losing) argument to convince a court that this particular contract was unfair,  but if you did it would probably mean only a change in the penalty clause to make it 'reasonable'.


> The alternative is to do nothing.  Well, what many people do not realize is that even if all man made CO2 magically ceased to be created that the climate would still change. Climates change, always.  So, you think that something that accounts for .04% of the atmosphere is the key to humanity's survival on the planet, really?  The market will reduce CO2 production as it already has (the only reason that the US is in line with the Kyoto protocols as it was not ratified by the Senate). As prices lower, you will see cleaner sources of energy (i.e. solar) become more and more prevalent.  Ironically, poor people (through burning of wood for heat and to cook with) actually have a much greater impact on CO2 levels than to rich people. Go figure. All that is certain is that what the 99% you quote agree on is that mankind is responsible for some of the warming. There is no consensus over the magnitude of the change (I have seen estimates from a .5 to a 4 degrees of Celsius change over the coming decade) or over how to address the issue.


Oh so it's ok for MSM to have a play where Donald Trump is murdered. But if I say something to get a reaction out of you the conversation is over?   How is that ok to have a play where the acting president is killed?   Freedom of speech is ok until you break the law. To threaten or imply death of the president of the United States is a crime. Donald trump did not write the law. In fact Trump wasn't even alive when that law was written.   China Russia United States. They need to eliminate the religious problem we have.


Sorry, in the US (Bank of America). The kind of account we have has that high fee, but they also have free account options that have lower or zero balance requirements, you just have to setup direct deposit. The one we have has free checks, free safe deposit box, an English speaking customer service rep guaranteed to answer my call in something like 3 rings, and a bunch of other stuff I'll never use.


I have a loaded Accord right now.  Model 3 is faster, safer (most likely given Tesla's track record, doesn't need gas, and (hopefully) cheaper and easier to maintain (no oil changes, etc).     It's also just a hair smaller than my Accord and sits more forward, which I really like. The Accord feels like a boat to me.


You could buy shares of an Exchange-Traded Fund (ETF) based on the price of gold, like GLD, IAU, or SGOL. You can invest in this fund through almost any brokerage firm, e.g. Fidelity, Etrade, Scotttrade, TD Ameritrade, Charles Schwab, ShareBuilder, etc. Keep in mind that you'll still have to pay a commission and fees when purchasing an ETF, but it will almost certainly be less than paying the markup or storage fees of buying the physical commodity directly. An ETF trades exactly like a stock, on an exchange, with a ticker symbol as noted above. The commission will apply the same as any stock trade, and the price will reflect some fraction of an ounce of gold, for the GLD, it started as .1oz, but fees have been applied over the years, so it's a bit less.  You could also invest in PHYS, which is a closed-end mutual fund that allows investors to trade their shares for 400-ounce gold bars. However, because the fund is closed-end, it may trade at a significant premium or discount compared to the actual price of gold for supply and demand reasons. Also, keep in mind that investing in gold will never be the same as depositing your money in the bank. In the United States, money stored in a bank is FDIC-insured up to $250,000, and there are several banks or financial institutions that deposit money in multiple banks to double or triple the effective insurance limit (Fidelity has an account like this, for example). If you invest in gold and the price plunges, you're left with the fair market value of that gold, not your original deposit.  Yes, you're hoping the price of your gold investment will increase to at least match inflation, but you're hoping, i.e. speculating, which isn't the same as depositing your money in an insured bank account. If you want to speculate and invest in something with the hope of outpacing inflation, you're likely better off investing in a low-cost index fund of inflation-protected securities (or the S&P500, over the long term) rather than gold.  Just to be clear, I'm using the laymen's definition of a speculator, which is someone who engages in risky financial transactions in an attempt to profit from short or medium term fluctuations This is similar to the definition used in some markets, e.g. futures, but in many cases, economists and places like the CFTC define speculators as anyone who doesn't have a position in the underlying security. For example, a farmer selling corn futures is a hedger, while the trading firm purchasing the contracts is a speculator. The trading firm doesn't necessarily have to be actively trading the contract in the short-run; they merely have no position in the underlying commodity.


I agree with you that given a teacher and an environment there may be a way to rank teachers, however any proposal I've seen to judge performance fails to take into account environment and assumes the district as one uniform environment. Any time federal programs are proposed that try and address failing schools, they treat things as if the school is the only part of the environment that matters. I don't see how they can do better for teachers.


Well, sure, but that rate won't continue for the next 18 years. A lot of the increase in public school cost is due to government funding cuts and the increase stops once funding reaches 0%.  When you look at private schools, say [Stanford](http://facts.stanford.edu/chron.html#tuition), the average over the last 18 years is 4.6% a year - higher than inflation (2.3%) for sure, but no where as bad as the overall numbers would suggest.


"The ""par value"" is a technicality that you can ignore in this case, and it has nothing directly to do with the merger.  When a company issues stock, it puts a ""par value"" on the shares.  If it later issues more shares, they cannot be issued at less than par value. The rest of the notice seems to be as you said: If you hold until the merger takes effect, they are going to give you $25/share and your shares will be gone.  As always, you can try to sell on the open market before that time instead, although you can bet that not too many people are going to want to give you more than $25/share at this point."


Our group leader was very interested in the Amazon Go concept which got us thinking about that as a potential deal. While writing the paper I found some articles discussing Whole Foods Amazon potential merger from last year, but it seemed unlikely since the companies had a sit down last year and it didn't amount to anything. Obviously Amazon thought this was a good target then so it was known at the time. However, we didn't think the deal was back on the table. Recent mentions of the possible deal didn't come out until a few weeks after we started writing our paper.


"I've seen the same happen with several companies, with programmers engineers, salespeople, managers, etc.  Both companies end up paying more, and in many senses (because it *always* takes time to get ""up to speed"" in a new company) losing out because of it.  It's inane, really, how little most managers/owners really *value* their employees.  Probably one of the scariest things I've ever heard is in privately-owned companies where they say ""we treat all our employees like family"" -- which I always want to laugh at, and say ""My God, I would hope you can do better than THAT... [because, hell, most 'families' are dysfunctional and pretty much screw each other up/over at just about every opportunity]."""


"Imagine that, a car dealership lied to someone trusting.  Who would have thought. A big question is how well do you get along with your ""ex""?  Can you be in the same room without fighting?  Can you agree on things that are mutually beneficial? The car will have to be paid off, and taken out of his name.  The mechanics on how to do this is a bit tricky and you may want to see a lawyer about it.    Having you being the sole owner of the car benefits him because he is no longer a cosigner on a loan.  This will help him get additional loans if he chooses, or cosign on his next gf's car. And of course this benefits you as you ""own"" the car instead of both of you. You will probably have to refinance the car in your name only.  Do you have sufficient credit?  Once this happens can you pay off the car in like a year or so? If you search this site a similar questions is asked about once per month.  Car loans are pretty terrible, in the future you should avoid them.  Cosigning is even worse and you should never again participate in such a thing. Another option is to just sell the car and start over with your own car hopefully paid for in cash."


Political systems do not have to be intertwined with economic systems, as China demonstrates.      By most rankings (Cato, Heritage, etc) China actually has a bit more economic freedom than India.    I don't necessarily think that China's development path needs to be copied to India.  But I would take a very strong look at what China has done and how.  The results are unbelievable.  If you think that India's democratic system is superior, then it should be even easier and faster for India to achieve similar or better results.


I think about debt as a good option for capital investments that offer a return. In my opinion, a house and clothes you need for that new job are good things to borrow for. School is ok, depending on the amount. Car is ok, if it's a 3 year loan. The rest is not good. You should try to carry as little debt as possible, but don't let it dominate your life. If faced between the choice of paying ahead on your student loan and blowing $300 on an XBox, you should pay the loan. If the choice is between taking your kid to the zoo and paying the loan, have fun at the zoo.


Same argument and answer for investing instead of paying off debt, or borrowing to invest. Risk. What happens if the stocks drop by 10%? Sure, you might come out ahead on average, but a drop in the market could be catastrophic from a cash flow point of view.  In addition, federal tax debt is arguably the worst kind. The IRS has the authority to garnish wages and has virtually unlimited resources they can use to collect.


"For political reasons, almost all governments (including the US) spend more money than they get from taxes etc.  There are a number of things a government can do to cover the difference: Most governments opt for selling bonds.  The ""National Debt"" of a country can be thought of as being the sum of all the ""Bonds"" that are still paying interest, and that the Government hasn't Redeemed. It can all go horribly wrong.  If the Government gets into a situation where it cannot pay the interest, or it cannot Redeem the Bonds it has promised to, then it may have to break its promise (""Default"" on its payments).  This makes the owners of the Bonds unhappy and means potential buyers of future Bond sales are less likely to want to buy the Governments new Bonds - effectively meaning the Government has to promise to pay more interest in the future.  Recent examples of this include Argentina; and may include Greece soon. The US is in the fortunate position that not many people believe it will Default.  Therefore the new Bonds it sells (which it does on a regular basis) are still in demand, even though its interest payments, and promises to Redeem Bonds are huge."


Nobody said they paid for it up front.  They still pay for it.  The businesses are definitely making money off the work.    Unless you are saying the businesses don't make money off of it, and are accruing a loss?  Do you expect us to believe that?


From InvestingAnswers, the price of a bond is equal to the present value of its future cash flows, as shown in the following formula:  Where: By induction, this is equivalent to: or, using more familiar formulae, it is equivalent to the formula for the present value of an ordinary annuity to represent the coupon payments, plus a term for the discounted value at maturity: For example, a 10 year semiannual bond with coupon payment 10%, priced at 1095 with maturity value 1000. Solving for r yields 0.0428332 or 4.28% semi-annually. (8.75% per annum) The solution can be found by plotting or using a solver, which many pocket calculators have.  Plot of p as a function of r, intersecting with p = 1095 when r = 0.0428   Checking on Investopedia


"In 2014 the IRS announced that it published guidance in Notice 2014-21. In that notice, the answer to the first question describes the general tax treatment of virtual currency: For federal tax purposes, virtual currency is treated as property. General tax principles applicable to property transactions apply to transactions using virtual currency. As it's property like any other, capital gains if and when you sell are taxed. As with any capital gains, you're taxed on the ""profit"" you made, that is the ""proceeds"" (how much you got when you sold) minus your ""basis"" (how much you paid to get the property that you sold). Until you sell, it's just an asset (like a house, or a share of stock, or a rare collectible card) that doesn't require any reporting. If your initial cryptocurrency acquisition was through mining, then this section of that Notice applies: Q-8: Does a taxpayer who “mines” virtual currency (for example, uses computer resources to validate Bitcoin transactions and maintain the public Bitcoin transaction ledger) realize gross income upon receipt of the virtual currency resulting from those activities? A-8: Yes, when a taxpayer successfully “mines” virtual currency, the fair market value of the virtual currency as of the date of receipt is includible in gross income. See Publication 525, Taxable and Nontaxable Income, for more information on taxable income. That is to say, when it was mined the market value of the amount generated should have been included in income (probably on either Line 21 Other Income, or on Schedule C if it's from your own business). At that point, the market value would also qualify as your basis. Though I doubt there'd be a whole lot of enforcement action for not amending your 2011 return to include $0.75. (Technically if you find a dollar bill on the street it should be included in income, but usually the government cares about bigger fish than that.) It sounds like your basis is close enough to zero that it's not worth trying to calculate a more accurate value. Since your basis couldn't be less than zero, there's no way that using zero as your basis would cause you to pay less tax than you ought, so the government won't have any objections to it.  One thing to be careful of is to document that your holdings qualify for long-term capital gains treatment (held longer than a year) if applicable. Also, as you're trading in multiple cryptocurrencies, each transaction may count as a ""sale"" of one kind followed by a ""purchase"" of the other kind, much like if you traded your Apple stock for Google stock. It's possible that ""1031 like kind exchange"" rules apply, and in June 2016 the American Institute of CPAs sent a letter asking about it (among other things), but as far as I know there's been no official IRS guidance on the matter. There are also some related questions here; see ""Do altcoin trades count as like-kind exchanges?"" and ""Assuming 1031 Doesn't Apply To Cryptocurrency Trading"". But if in fact those exchange rules do not apply and it is just considered a sale followed by a purchase, then you would need to report each exchange as a sale with that asset's basis (probably $0 for the initial one), and proceeds of the fair market value at the time, and then that same value would be the basis of the new asset you're purchasing. Using a $0 basis is how I treat my bitcoin sales, though I haven't dealt with other cryptocurrencies. As long as all the USD income is being reported when you get USD, I find it unlikely you'll run into a lot of trouble, even if you technically were supposed to report the individual transactions when they happened. Though, I'm not in charge of IRS enforcement, and I'm not aware of any high-profile cases, so it's hard to know anything for sure. Obviously, if there's a lot of money involved, you may want to involve a professional rather than random strangers on the Internet. You could also try contacting the IRS directly, as believe-it-or-not, their job is in fact helping you to comply with the tax laws correctly. Also, there are phone numbers at the end of Notice 2014-21 of people which might be able to provide further guidance, including this statement: The principal author of this notice is Keith A. Aqui of the Office of Associate Chief Counsel (Income Tax & Accounting). For further information about income tax issues addressed in this notice, please contact Mr. Aqui at (202) 317-4718"


"A person can finance housing expenses in one of two ways. You can pay rent to a landlord. Or you can buy a house with a mortgage. In essence, you become your own landlord. That is, insta the ""renter"" pays an amount equal to the mortgage to insta the ""landlord,"" who pays it to the bank to reduce the mortgage. Ideally, your monthly debt servicing payments (minus tax saving on interest) should approximate the rent on the house. If they are a ""lot"" more, you may have overpaid for the house and mortgage. The advantage is that your ""rent"" is applied to building up equity (by reducing the mortgage) in your house. (And mortgage payments are tax deductible to the extent of interest expense.) At the end of 30 years, or whatever the mortgage term, you have ""portable equity"" in the form a fully paid house, that you can sell to move another house in Florida, or wherever you want to retire. Sometimes, you will ""get lucky"" if the value of the house skyrockets in a short time. Then you can borrow against your appreciation. But be careful, because ""sky rockets"" (in housing and elsewhere) often fall to earth. But this does represent another way to build up equity by owning a house."


If you've already used TurboTax on your 2015 taxes, you can use the numbers TurboTax gave you as your reasonable estimate.  Line 4 is your estimate of total tax liability for 2015. This would be line 63 of form 1040. This is Federal income tax only, not Social Security tax.  Line 5 is the total of tax payments you made last year. You should be able to read this off your W-2 forms, Box 2. It corresponds to line 74 on the 1040.  Line 6 is the difference between lines 4 and 5. You can't claim a refund on the extension, so if line 5 is more than line 4, enter 0. Otherwise, subtract line 5 from line 4, and enter it in line 6. This is the amount you should send in with the form to minimize any penalty due with your taxes later.  The TurboTax software can generate this extension form automatically, I believe.  Also, don't forget to give a copy of this extension form to your tax preparer. He will need to know the amount you sent in.


You haven't seen one because you haven't looked for one properly. You can set a google alert for stock split and get information about major issues splitting their stocks quite regularly, as well as a daily dose of recommendations from people without a say in the matter for big companies to split their stock. Stock splits are announced in advance by company management.


So we can lower your taxes, although at a cost of say 4 million federal employees. Now the fun begins... your market is flooded with new employees, so many people applying there isn't a reason to keep you at your pay. It's 2008 again, you lost your job, your $30 an hour job now pays $17, and you're unemployed, but at least your tax bracket went down.


First thing they should do is STOP CALLING AND MAILING THOSE OF US WHO HAVE DONATED.  I get a call every night (which I do not answer) and a piece of mail every week.  I know the labor for the calls is mostly volunteer BUT YOU'RE PISSING US OFF (I have friends saying the same thing).    Once we give, thank us and get back to us maybe a month or more later, or at crucial times.  NOT EVERY FUCKING NIGHT, k?


"In a way I would almost welcome it becuase ibeleive the outrage from so many millions might actually generate the groundswell public reaction we need to drastically limit software patents.  It's outrageous.    U.S. Patent No. 5,946,647 on a ""system and method for performing an action on a structure in computer-generated data"" (in its complaint, Apple provides examples such as the recognition of ""phone numbers, post-office addresses and dates"" and the ability to perform ""related actions with that data""; one example is that ""the system may receive data that includes a phone number, highlight it for a user, and then, in response to a user's interaction with the highlighted text, offer the user the choice of making a phone call to the number"")  every fing computer has done that for ever.    U.S. Patent No. 6,343,263 on a ""real-time signal processing system for serially transmitted data"" (while this sounds like a pure hardware patent, there are various references in it to logical connections, drivers, programs; in its complaint, Apple said that this patent ""relates generally to providing programming abstraction layers for real-time processing applications"")  so vague as to be anything apple wants yet so low level that obviously premempted by every prior serial data receiver which is every analog and digital radio receiver EVER."


dont dare throw facts into their preconceived notions that unions are always evil and at fault for everything on the planet.  I wonder how mister police offices pay compares to the top 1% when you look at disparity between ceo and cop pay today, versus 1950... I'm betting(but am not claiming like right wingers do), I am betting that if you look at it percentagewise in the form of disparity, it is this cop who is earning closer to the correct pay, it just seems way high as we have gotten used to lower pay, less benefits and two people working in every family.


Your link is pointing to managed funds where the fees are higher, you should look at their exchange traded funds; you will note that the management fees are much lower and better reflect the index fund strategy.


I think Microsoft is far from being the next IBM. Keep in mind mobile hardware isn't for everyone, even Amazon abandoned it.  Microsoft has done a great job with their cloud platforms, revamping the microsoft office suite to compete with google's, their entire surface line of laptops and tablets, purchasing linkedin, etc.  I would say they are making the right and relevant moves to not only stay relevant but shake up the status quo that they were living in for a long time.


We don't know how to make money in the stock market, therefore no one should be allowed to.  ~Fuckers  If Bill Gates wants to give the government some of his money, [here's the form](https://www.pay.gov/paygov/forms/formInstance.html?agencyFormId=23779454).  If he wants to give the government some of other peoples' money, he should shut the hell up.


"Consumer facing finance is heavily regulated. You are liable for the recommendations you make; if they are based on a black box you risk problems when sued. It is difficult to explain in a court of law why a neural network came to a particular conclusion. It is much easier to provide advice (models) in the ""educated counterparty"" market. Not only do institutional investors in general expect to pay for a quality advice (consumers in general expect to get online advice for free) but the legal implications are different."


Yes you can claim your business deductions if you are not making any income yet. But first you should decide what structure you want to have for your business. Either a Company structure or a Sole Trader or Partnership. Company Structure If you choose a Company Structure (which is more expensive to set up) you would claim your deductions but no income. So you would be making a loss, and continue making losses until your income from the business exceed your expenses. So these losses will remain inside the Company and can be carried forward to future income years when you are making profits to offset these profits. Refer to ATO - Company tax losses for more information. Sole Trader of Partnership Structure If you choose to be a Sole Trader or a Partnership and your business makes a loss you must check the non-commercial loss rules to see if you can offset the loss against your income from other sources, such as wages. In order to offset your business losses against your other income your business must  pass one of these tests: If you don't pass any of these tests, which being a start-up you most likely won't, you must carry forward your business losses until an income year in which you do pass one of the tests, then you can offset it against your other income. This is what differentiates a legitimate business from someone having a hobby, because unless you start making at least $20,000 in sales income (the easiest test to pass) you cannot use your business losses against your other income. Refer to ATO - Non-commercial losses for more information.


"1. That's a really complicated answer. In short, I think we need to make accounting rules much simpler (I say this as an accountant) in combination with financial education in K-12 school. Most adults in this country can't tell you which is a better investment: something that returns 5% monthly or something that returns 10% annually. They don't know that accounting income and cash flow are different things and what they mean. Accounting rules are sometimes ridiculous. Look at the balance sheet of even a moderate size company. What's in ""Other Comprehensive Income"" and why is that different than net income? Why is it that American Airlines, one of the largest airlines in the world doesn't have a single airplane on their balance sheet?  2. That might be a step in the right direction, but I'm just not sure how effective something like that would be. More comprehensive might be better, but then there's going to be less people that want to take the time."


Best as i can tell, the simple answer is: the smartest approach to investing for dividends is to pick a company that is, has, and will continue to make a solid profits. there are lots of them out there. specifically, companies with no debt, a history of long-term and steady growth and a stable market share will, almost always recoup any drop in stock valuation due to a dividend payout...and usually in short order. this is why dividends were created...as a mechanism for distributing profits back to investor without diminishing thier stake in the company. the trick then, is to find such companies with the best ratio between stock price and dividend payout. and again, there are a lot of good options out there.  All the trepidation is justified however, as many unscrupulous companies will try to pull investors in with high dividends as a means to simply generate capital. these companies have few of the quality attributes mentioned above. instead, High debt, fluctuating or negative profits, minimal market share or diminishing growth present a very risky long term play and will be avoided by this conservative investor.


"My answer has nothing to do with tax brackets or mathematics (I'm taking advantage of the leeway your question allowed), but rather it has to do with career goals and promotion.  Large companies often have large ""Policies & Procedures"" booklets to go with them.  One policy that sometimes exists which would make it a bad idea to accept a raise is: Employee cannot be given more than one   salary increase in a 12-month period This means that if you accept a standard-of-living or merit increase of say, 2% or 3% in April, and then you apply for a job that would otherwise warrant a pay grade increase, you may be forced to wait until the following year to get bumped to the proper pay grade. Of course, this totally depends on the company, but it would be advisable to check your company's H.R. policy on that, if you're considering a move (even a lateral one) in the future."


Capitalism is a fine way to distribute resources and spur innovation... so long as it's not the only game in town. If we could provide medicine, food, clothing, shelter, and internet access to every person in the country, then it hardly matters how callous and Randian the employment market is.


It is true that it may be somewhat of a loss. I would not lose any money with the other options as I have already made my money back but I would be at a loss as far as time investment goes. I agree number 1 is most logical but emotionally my heart is just not in it anymore that is why I put 2 and 3 in there too.


There is no common sense in Michigan and money does reveal character. Take a Michigan based business for example of more outrageous behavior that our State reps overlook. Frankenmuth Insurance company located in Frankenmuth Michigan purports in its commitment statement to policyholders to:   Frankenmuth Insurance built a solid foundation adhering to its fundamental  principles of honesty, integrity, unsurpassed customer service and conservative  business practices.   With much emphasis on Corporate Governance and common sense, this company located in Frankenmuth Michigan regularly violates its own commitment to policyholders by engaging in egregious conflicts of interest with board members that not only lack integrity, but are of blatant poor judgment for personal gain and detrimental to policyholders.  The only policyholders invited to their annual policyholder meetings are employees and retirees of the company so that no one will vote against or challenge their elections.  The board members are taken on annual trips with their spouses the week of the annual board meeting wherein on the last day, they (the board) are asked to vote on executive pay and bonuses. After a week of being wined and dined at exclusive resorts such as the One and Only Palmilla in Cabo and the Winn in Vegas the Frankenmuth executives know that the board will give them exorbitant raises and bonuses which is information they again refuse to disclose because of the public outrage their behavior would cause, adversely impacting their business. Getting what they want from the board afforded CEO Stanton a 12,000 sq foot retirement home newly constructed on a 1 million dollar plot of land at Bay Harbor overlooking Lake Michigan.  One trip that Frankenmuth executives took 90 people on (those people were executives and spouses and agents and spouses) cost 5 million dollars for one week. That translates to about $53K per person. Bill Schutte pretends to care about the taxpayers dollars and how they are spent yet he thus far has refused to require Frankenmuth to disclose it's egregious spending of lavish trips and entertainment and or investigate the clear conflicts of interest with its board that are costing the taxpayers of Michigan huge dollars in increased premiums. On top of all of this, Frankenmuth admittedly has a computer system that does not track its employees use of policyholder information meaning the public is not safe from potential identity theft nor is the company safe from internal theft.  Frankenmuth uses credit reports to jack prices of policyholders up - someones credit has no bearing on their ability to drive and the executives are laughing all the way to the bank with the board in their pocket from canned elections.


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If you want to store that much money, find a good hiding place. (E-mail me the location.  I'll keep it a secret.  I promise!) But I think instead you want to invest that much money, in a cash-like liquid form. You can do $250,000 in a bank (beyond 2012) and then spread the rest over some big-name brokerages with money market accounts. But, as JohnFx pointed out, with that much cash you can do amazing things with it.  Think bigger.


Norman Brodeur Williams wrote his first prize winning novel at the age of 28, which was highly valued by readers. Thought experts did not leave him from criticizing. This story moves around a man who is dealing with his luck, community and its traditions. Fighting to come out of the false traditions made by the community he got his response one night that absolutely transformed his life. The story is all relevant to the key of that night.


thanks for the reply.  I just graduated and I'm having a lot of difficulty getting any solid job.  I guess I will pick firms in the area like MS, trowe, and see what would be best.  My contact who told me to do this said it's very important to be passionate about it though...perhaps even if I pick a more targeted stock it won't be too valuable given my inexperience?


"> Most of the people that promote these types of ideas are selling something that has an inverse correlation with the market, so they hope to get others to buy in and drive up prices for them so they can cash out.   Isn't this super common in online finance communities?  It is in Norway, so much so we have words for them. ""Hausing"" a person bullshitting about a stock so people will buy it, so he can sell. And ""Baising"", a person talking shit about a stock so people will sell, because he wants to buy.    Its insane the depth this, essentially trolling, happens."


Yes, you would have to report the gain. It is not relevant that you traded the stock previously, you still made a profit on the trade-at-hand. Imagine if for some reason this type of trade were exempt. Investors could follow the short term swings of volatile stocks completely tax-free.


Have you actually read the Wikipedia article? To calculate the DJIA, the sum of the prices of all 30 stocks is divided by a divisor, the Dow Divisor. The divisor is adjusted in case of stock splits, spinoffs or similar structural changes, to ensure that such events do not in themselves alter the numerical value of the DJIA. Early on, the initial divisor was composed of the original number of component companies; which made the DJIA at first, a simple arithmetic average. The present divisor, after many adjustments, is less than one (meaning the index is larger than the sum of the prices of the components). That is: DJIA = sum(p) / d where p are the prices of the component stocks and d is the Dow Divisor. Events such as stock splits or changes in the list of the companies composing the index alter the sum of the component prices. In these cases, in order to avoid discontinuity in the index, the Dow Divisor is updated so that the quotations right before and after the event coincide: DJIA = sum(p_old) / d_old = sum(p_new) / d_new The Dow Divisor was 0.14602128057775 on December 24, 2015.[40] Presently, every $1 change in price in a particular stock within the average, equates to a 6.848 (or 1 ÷ 0.14602128057775) point movement. Knowing the old prices, new prices (e.g. following a split), and old divisor, you can easily compute the new divisor... Edit: Also, the detailed methodology is published by SP Indices (PDF). Edit #2: For simplicity's sake, assume the DJIA is an index that contains 4 stocks, with a price of $100.00 each. One of the stocks splits 2:1, meaning the new price/share is $50.00. Plugging the numbers into the above equation, we can determine the new Dow Divisor: 400 / 4 = 350 / d => d = 3.5


"I can guarantee you that no one in IBanking and consulting is pulling in a 110k base. Even 75 is really pushing it in this market. 70k base is standard on the street and some bansk have been dropping it to 65. And you won't be working at a ""legit"" hedge fund or prop shop straight out of undergrad.   Source: I work in the industry."


The wealthiest man is not the one who has the most, but who needs the least.


I hate to sound harsh, but he's right. No technology, innovation, service or product can overcome your own lack of discipline. That doesn't mean you should give up, though - just like everything else, financial discipline is a learned skill, not something we're born with.  Everyone can learn to be financially responsible. If you find you can't keep track of your expenses, try merely saving your receipts.  Whenever you get home, pull them all out of your pockets, and look over how much you spent.  Once you get to the point where you're consistently keeping your receipts, start keeping a register (either paper or electronic) that you update when you empty your pockets.  From there, you can begin tracking how much you spend in various categories, and being setting budgets and adjusting your spending habits. It's not easy, but it's something that we all have gone through.  Keep at it, and you can succeed in turning your finances around.


>implicitly through their fee structure.  Index ETF and stock trades cost the same at Robinhood (free).  Do you believe Robinhood (and other brokers) should charge a fee for single stock trades to discourage investors from purchasing them over index ETFs?  Honestly, I'm not saying this idea is right or wrong.  It's an interesting proposition.


Synowledge’s highly capable subject matter expert’s team can help you to produce clear, suitable regulatory documents, detailing all aspects of the drug development process and CMC. Synowledge provides appropriate subject matter domain-based process expertise to enable all life sciences organizations to fully satisfy their regulatory obligations and responsibilities.


"Sure the LBTA has outperformed LVOL recently but they are very similar (Just look at their underlying indices going back to 2007) - they underperform in good markets and tend to outperform more than they underperformed in down markets.  The article should be saying something more like: ""Recent outperformance of LBTA is due to sector specific bets of the ETF""  And the article fails to point out that LBTA is so low volume that it even has trouble tracking its underlying index on a day to day basis. (LVOL is also very low volume, but it's still significantly better than LBTA)."


This is probably one of the shittiest articles I've seen on this sub in a while.  Automation of panera has been happening for over 10 years. The author might as well start saying child labor was an honest living for kids and those laws are cruel. >Fresno Bee reporter Jeremy Bagott says that even some of San Francisco’s best restaurants fall prey to higher minimum wages. One saw its profit margins fall from 8.5 percent in 2012 to 1.5 percent by 2015.  Sample size of fucking 1. Over the wrong years. San Francisco wages went from 10.24 to 11.05 during that period.  But please let this site go on about alternate facts and mainstream media lies.


For a company listed on NASDAQ, the numbers are published on NASDAQ's site. The most recent settlement date was 4/30/2013, and you can see that it lists 27.5 million shares as held short.  NASDAQ gets these numbers from FINRA member firms, which are required to submit them to the exchange twice a month: Each FINRA member firm is required to report its “total” short interest positions in all customer and proprietary accounts in NASDAQ-listed securities twice a month. These reports are used to calculate short interest in NASDAQ stocks. FINRA member firms are required to report their short positions as of settlement on (1) the 15th of each month, or the preceding business day if the 15th is not a business day, and (2) as of settlement on the last business day of the month.* The reports must be filed by the second business day after the reporting settlement date. FINRA compiles the short interest data and provides it for publication on the 8th business day after the reporting settlement date.


"You really don't know how credit scoring works. Let's think about the purpose of a credit score: to assess whether you're a high default risk. A lender wants to know, in this order: Utilization factors into the solvency assessment. If you are at 100% utilization of your unsecured credit, you're insolvent -- you can't pay your bills. If you are at 0%, you're as solvent as you can be. Most people who use credit cards are somewhere in the middle. When a bank underwrites a large loan like a mortgage or car loan, they use your credit score an application information like income and employment history to figure out what kind of loan you qualify for. Credit cards are called ""revolving"" accounts for a reason -- you're supposed to use them to buy crap and pay your bill in full at the end of the month.  My advice to you:"


Checking account holders must be aware that when you order bank checks online, you will be required to provide some sensitive personal and financial information. When I order my checks online, I make sure to think about the consequences of providing the information being demanded. Considering that identity theft remains  the top threat for checking account holders, it would be wise to pause for a moment before submitting the information.


This is very insightful, I think. As an open question, consider what *downside* a nation (or bank) has to acknowledging bitcoin or other cryptocurrencies. Obviously nations may lose some monetary control by endorsing bitcoin, but I don't know if there's much of a downside for banks considering bitcoin's easy conversion in to USD.   If anything, I feel like most of the problems for banks surrounding cryptos would be regulatory.


"For many people, giving to charity will have minimal effect on their taxes. Non-profits love to attract donations by saying the money is tax deductible, but for most people, it doesn't work out that way. You will only itemize deductions if they exceed your standard deduction. The IRS allows you to either ""itemize"" your deductions (where you list each deduction you can take) or take the ""standard deduction"". Consider a married couple filing jointly in 2011. Their standard deduction is $11,400. They are in the 28% tax bracket. They donate $100 of old clothes to the Goodwill, and are looking forward to deducting that on your taxes, and getting $28 of that back. If that's their only deduction, though, they'd have to give up the standard deduction to take the itemized deduction. Not worth it. Suppose instead they have $11,500 of deductions in 2011. Now we're talking, right? No. The tax impact of itemizing is only $28, since they only exceeded the standard deduction by $100. The cost of having a tax accountant fill out the itemization form probably offsets that small gain. There's also all the time that went in to tracking those deductions over the year. Not worth it.  Tax deductions only become worthwhile when they significantly exceed the standard deduction. You need some big ticket items to get past the itemized deduction threshold. For most people, this only happens when they have a mortgage, as the interest on a residence is deductible.  Folks love to suggest that having a mortgage is a good deal, because the interest is deductible. However, since you have to exceed the standard deduction before it makes sense to itemize, it's not likely to be a big win. For most people: TL;DR: Give to charity because you want that charity to have your money. Tax implications are minimal; let your accountant sort it out. Disclaimer: I am not an accountant."


"Not necessarily. Shorting XOM is saying that EM (china + india) are going to have a ""slowdown"" (not neg growth but slower) and that US is going to pick up a lot slower.  Selling JNJ means the manager is overall bearish but doesn't have that much conviction (otherwise he would sell XOM or SPY), but still wants that negative exposure.  Personally, both are just plays on SPY with increased risk (XOM) or decreased risk (JNJ)."


Depending on the improvement, you have to amortize or depreciate it over time, which effectively allows you to write off the value over a period of years, even if you pay for it all up front. This messes with cash flow, which is different than profitability, but when you span the write off over five or ten years, the distinction between cash flow and profitability for a private, self funded company is irrelevant. If the money ain't there, the money ain't there. Operating capital is life blood.  Taxes also alter the ROI equation of the investment, since you don't keep all the money you put in.  Way over simplified example: Lets say I close out the year with some arbitrary profit - ten million bucks - in my war chest. 3.5 could go to taxes. I also know that my supplier can't handle my volume for next year while the season is hot, so I'd like to buy inventory in the off season. Last year I sold 6.5 mill worth of stuff from this supplier, but I estimate I could sell 9-10 mill if I didn't have availability problems. If I buy 9-10 mill in inventory, I can't pay taxes. If I pay taxes, I can't buy enough to grow next year.   Sure, COGS is a deductible expense, but the expense isn't realized until the inventory is sold, which won't be until long after these taxes are due.  I now have taxes interfering with my expansion, even though eventually I can write that off.  Now lets look at the manufacturer - sure he could expand his capacity and make more money, but he has to deduct the 5 mill machine he needs over twenty years (or ten or whatever) while the purchase price needs to be made today. This year he's gonna pay tax on 90 or 95% of the money he used to buy that machine, which would eat into the money he needs to buy raw materials to fill orders he already has.  Of course, the real world is much more complicated, and you can leverage leasing agreements and purchasing terms to alleviate this to some extent, but I wanted to illustrate a point. I hope my extremely simplified example communicated what I mean.  Does that make sense?


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"I'm not sure there's a good reason to do a ""closing the books"" ceremony for personal finance accounting. (And you're not only wanting to do that, but have a fiscal year that's different from the calendar year? Yikes!) My understanding is that usually this process is done for businesses to be able to account for what their ""Retained Earnings"" and such are for investors and tax purposes; generally individuals wouldn't think of their finances in those terms. It's certainly not impossible, though. Gnucash, for example, implements a ""Closing Books"" feature, which is designed to create transactions for each Income and Expenses account into an end-of-year Equity Retained Earnings account. It doesn't do any sort of closing out of Assets or Liabilities, however. (And I'm not sure how that would make any sense, as you'd transfer it from your Asset to the End-of-year closing account, and then transfer it back as an Opening Balance for the next year?) If you want to keep each year completely separate, the page about Closing Books in the Gnucash Wiki mentions that one can create a separate Gnucash file per year by exporting the account tree from your existing file, then importing that tree and the balances into a new file. I expect that it makes it much more challenging to run reports across multiple years of data, though. While your question doesn't seem to be specific to Gnucash (I just mention it because it's the accounting tool I'm most familiar with), I'd expect that any accounting program would have similar functionality. I would, however, like to point out this section from the Gnucash manual: Note that closing the books in GnuCash is unnecessary. You do not need to zero out your income and expense accounts at the end of each financial period. GnuCash’s built-in reports automatically handle concepts like retained earnings between two different financial periods. In fact, closing the books reduces the usefulness of the standard reports because the reports don’t currently understand closing transactions. So from their point of view it simply looks like the net income or expense in each account for a given period was simply zero. And that's largely why I'm just not sure what your goals are. If you want to look at your transactions for a certain time, to ""just focus on the range of years I'm interested in for any given purpose"" as you say, then just go ahead and run the report you care about with those years as the dates. The idea of ""closing books"" comes from a time when you'd want to take your pile of paper ledgers and go put them in storage once you didn't need to refer to them regularly. Computers now have no challenges storing ""every account from the beginning of time"" at all, and you can filter out that data to focus on whatever you're looking for easily. If you don't want to look at the old data, just don't include them in your reports. I'm pretty sure that's the ""better way to keep the books manageable""."


"Social media and word of mouth are going to be your best friends. Build yourself a good reputation for quality and good social skills. ""Hair designing"" is a big part of your job but so is socializing. You have to build relationships with people in the service industry to keep them coming back as a general point.   My suggestion is to focus on the clientele you have remaining and strengthen your relationship with them. They will pass on the word of how well you're doing and how they really like to use you.   In the mean time to build more clientele, try taking to social media. Share photos of your work (with your clients' permission) and offer special deals for people who follow you. Maybe offer 50% off the first visit for the next 5 new clients or something like that. Yeah, you're going to earn less money on those clients for those visits, but you may gain a long term client or 2 out of the deal.   If that fails, you might try to get on with an established salon through a place like JC Penny or great clips, something like that... until you can build a bigger clientele.   All of the successful hair designers I know have several things in common - talented, sociable, empathetic, great pricing, nice atmosphere and a killer ongoing portfolio.   Good luck"


They were kind and let you extend the repayment time on the loan. But that does mean additional interest accumulated during that additional time. You agreed to this; you can't change the contract now. What you can do is find the money to pay off the loan faster, to reduce the total amount of interest you'll be charged.


"The Fed didn't ""signal"" anything. They did not do any analysis. They merely took a pole of consumer opinion.   The article should have said ""Poll Shows Americans Believe they Are No Better Off than Five Years Ago."" But that would be less exciting."


Of course you don't need to take a mortgage - if you happen to have enough cash (or other assets) to pay your sister her share, or if she is willing to take it in installments over the next years. Mortgages are not needed to buy houses, but to pay for them - subtle difference. If you can pay - in whichever agreed way - without a mortgage, you won't need one.


What you are suggesting would be the correct strategy, if you knew exactly when the market was going to go back up. This is called market timing.  Since it has been shown that no one can do this consistently, the best strategy is to just keep your money where it is.  The market tends to make large jumps, especially lately.  Missing just a few of these in a year can greatly impact your returns.  It doesn't really matter what the market does while you hold investments.  The important part is how much you bought for and how much you sold for.  This assumes that the reasons that you selected those particular investments are still valid.  If this is not the case, by all means sell them and pick something that does meet your needs.


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"ITR-4 is for incorporated business. For freelancing, You can fill ITR 2 and declare the freelancing income as ""income from other source"". Refer to the Income Tax website for more details"


It's good friend. You seemed like a nice person when I was glancing through your history, which isn't what I could gather from the other guy (or what a person could probably gather from mine).   I'm just on edge for a midterm today, and spent far too much time sharpening the fangs in my reply last night.  I have Turkish nephews because my sister married a Turkish exchange student some years ago.  I remember staring at my screen one afternoon almost exactly a year ago, and worrying over them because I couldn't contact her during the first hours of the coup. Having to live in a country like that would be extremely unsettling for me.  I wish you the best of luck.


"I mean, this would apply to every person of any consequence in the country ever.  Every president, every fed chair of every branch, every lead economist, every senator. There is *always* some ""moron"" who thinks they know better for some simple reason.  If someone proposes stimulus, there's some guy somewhere that's like ""This guy is a fool."" If the same guy the next day proposes austerity measures, some other guy will be like ""You're missing a very simple and obvious thing that I learned on the internet.""  So. I would assume that Bernanke would answer your question with a simple ""No. There's a reason why I'm the Fed chair, and they are not."" It's when the people of high mental fortitude begin to question his conclusions that he needs to worry.  I do think he has a responsibility to back up his actions with results, though."


Note that folks may also be shopping for supplies for a nonprofit tax-exempt organization. I made such a purchase a few weeks ago. Whatever the legal basis of the exception,  you need to be able to prove to the store that you have it. If you can't,  they must collect the tax.


"Delta airlines like most of corporate america basically amounts to an organization of thieves. They wasted 2 hours of my time with this same bait and switch tactic this author wrote about. You hit purchase button, and the fair goes up ""due to demand"".  Just like the author I went back through the website and tried to buy the ticket again, which was still being advertised at the original price only to have the same message at the end of the process, saying ""due to demand the ticket price has gone up""  Charlatans, thieves, assholes! Wasted so much of my time today! How can this be legal??? I hope Delta goes out of business. They certainly wont get any more of mine!"


I hope I'm not reading this correctly.  'The rules and regulations that were put in place to stop the 2008 meltdown of the world economy from happening again are being rolled back by US President Trump.'    Does that mean that world economy can be fucked again by Trump?


I doubt it, they never knew who those loans belonged to even a decade ago . .there is no way the underlying assets even if identifiable will be performing or marketable.  It was a simple bank fraud, where banks bundled up all their worthless shit in alphabet soup and the rating agencies rated it aaa and it blew up . . its still the same worthless shit


They're not just giving away money because they're nice, they're doing what they think (or hope) is a good business decision. Even if they lost money on that particular transaction, there are still positive effects such as OP telling the story about how great BestBuy is which will get more people in their stores, many of which won't be as rigorous in their price checking or will possibly buy other items once they're in the store.  You can't look at one sale in a vacuum to make a determination like that.


Wal-Mart? How are they going to compete with this monster. Grocery shopping is also a kind of social experience that it seems humans need. I'm no fan of walyworld taking out almost every small grocery store they can. Don't know,might get interesting. Hopefully get a price war going and then the customer will benefit.


I'm all for short term help, but I don't think feeding people just enough money to exist for the rest of their life is really helping.  All it does is enable them a shitty existence instead of forcing them to find a better way.


"But do you know about a US state risking to go default now or in the past? Ultimately, a US state could go into default.  However, I doubt that such a scenario would be allowed to transpire. This seems to happen to California with some regularity.  That is, risking default.  What would happen is not quite well known: ""There is no provision for a state to go bankrupt,"" Kyser said. ""I don't think anyone really knows what will happen or even if the state will go into receivership if it does default. I can tell you this, officials are looking at all the (current) laws."" (source) I believe that the answer to your question is that it could happen, but likely would not be allowed to occur.  The nature of the EU and US are quite different.  The individual states forming the US are not separate nations.  For better or for worse, the US is a stronger federation than the EU. (Something that is lamented at times when the Feds mess with the purview of the locals.)"


where did all this money come from?  Investing in a currency, whether it's bitcoin, gold, USD, or another country's currency, is a risky investment because the average trader loses money (after transaction fees). This is not true of the stock market, since successful companies actually produce wealth. So in short, money made from selling bitcoin comes from the people buying your bitcoins. why has bitcoin performed so well over the past year? This is an extremely difficult question to answer, but I can point out some of the most prominent factors. This last point is one of the biggest. With all the recent hype, more and more people want to try to get in on the action. No one can tell when or if the bubble will pop, though.


"It's never going to be a huge moneymaker. Trillian tried, but frankly Trillian existed because people didn't want to be running a bajillion different messengers and the big ones were open enough that it presented an opportunity for someone to make a single platform.  I'm still using Trillian because AIM and ICQ still work on it, but with AIM going down I'm probably gonna trash it. Trillian itself is pretty obnoxious these days and a lot of the ""features"" are pretty much trash. I just want something that has a minimal interface, allows for single contacts across multiple messengers to be logged in a unified way, and has a mobile offering that doesn't suck. It fails across the board.  All the ""newer"" messengers (FB, Discord, Skype, etc) don't allow worthwhile third party interaction, so we're back to the days of needing a half dozen things open and using resources to stay in touch -- and all of them have significant drawbacks as well.  Shit, IRC is looking damned good now that I think about it."


I suppose it depends on how liquid you need, and if you're willing to put forth any risk whatsoever.  The stock market can be dangerous, but there are strategies out there that will allow you to insure yourself against significant loss, while likely earning you a decent return.  You can buy and sell options along with stocks so that if the stock drops, your loss is limited, and if it goes up or even stays where it's at, you make money (a lot more than 1% annually). Of course there's risk of loss, but if you plan ahead, you can cap that risk wherever you want, maybe 5%, maybe 10%, whatever suits your needs.  And as far as liquidity goes, it should be no more than a week or so to close your positions and get your money if you really need it. But even so, I would only recommend this after putting aside at least a few thousand in a cash account for emergencies.


"Yes, but it depends on WHICH other currencies the country's money is depreciating against, and to what extent.  This is why China ""pegging"" the renminbi/yuan to the dollar is an issue, it means Chinese goods do NOT become more expensive in the US."


it's not a scam. it's not even too good to be true. frankly it's the lowest sign up bonus i've ever seen for a credit card. you would be better off signing up for a flagship card from one of the major banks (e.g. chase sapphire, citi double cash, discover it, amex blue). those cards regularly offer sign up bonuses worth between 400$ and 1000$.  however, you can't get all the cards at once. noteably chase has a fairly firm limit of 5 new cards per 24 month. the other banks have similar, less publicized limits on who they will approve for a new card.  so, by applying for this amazon card you are hurting your chances of getting far more lucrative sign up bonuses. it is however worth noting that those larger bonuses usually come with a minimum spending requirement (e.g. spend 1k$-3k$ in the first 3 months)


"You uncle is liable to pay ""Capital-Gains"" tax. Essentially the sale price less of cost would be treated as gains. The gains are taxed at 10% without indexation and 20% with Indexation.  The capital gains tax can be avoided if your uncle invests the gains into specified ""Infrastructure bonds"" or buys another property within a period of 3 years. The funds need to be kept in a separate ""Capital Gains"" account and not a regular savings account till you buy another property within 3 years."


My assumption here is that you paid nearly 32K, but also financed about 2500 in taxes/fees.  At 13.5% the numbers come out pretty close.  Close enough for discussion. On the positive side, you see the foolishness of your decision however you probably signed a paper that stated the true cost of the car loan.  The truth in lending documents clearly state, in bold numbers, that you would pay nearly 15K in interest.  If you pay the loan back early, or make larger principle payments that number can be greatly reduced. On top of the interest charge you will also suffer depreciation of the car.  If someone offered you 31K for the car, you be pretty lucky to get it.  If you keep it for 4 years you will probably lose about 40% of the value, about 13K. This is why it is foolish for most people to purchase a new vehicle.  Not many have enough wealth to absorb a loss of this size.  In the book A Millionaire Next Door the author debunks the assumption that most millionaires drive new cars.  They tend to drive cars that are pretty standard and a couple of years old.  They pay cash for their cars. The bottom line is you singed documents indicating that you knew exactly what you were getting into.  Failing any other circumstances the car is yours.  Talking to a lawyer would probably confirm this. You can attempt to sell it and minimize your losses, or you can pay off the loan early so you are not suffering from finance charges.


"That's great that you have saved up money. You are ahead of your peers. I would advise against investing in an index fund. The attraction of the idea is that you will get the same return as the base item. For example, an index fund of gold would supposedly give you the same return as if you bought gold. In reality this is not true. The return of an index fund is always significantly below the return of the underlying commodity. Your best strategy is to invest in something you know and understand. There are two books that can help you learn how to do this: ""One Up on Wall Street"" by Peter Lynch and ""The Intelligent Investor"" by Benjamin Graham. Buying, reading and following the guidance in these two books is your best investment of time and money."


Transferwise is a new peer-to-peer service that's setup to lower fees for international money transfers: https://transferwise.com


No. The gain on RSU is not a capital gain, it is considered wages and treated as part of your salary, for tax purposes. You cannot offset it with capital losses in excess of $3000 a year. If you have RSUs left after they vest, and you then sell them at gain, the gain (between the vesting price and the sale price) is capital gain and can be offset by your prior years' capital losses.


It was after Trump became the presumptive nominee.  But Thiel could have done it with any Republican candidate before or after this election - if his purpose was taxes/moving the Republican party to support gay marriage, he could have done it with literally ANY other candidate and not paid nearly as high of a personal cost.   Thiel saw an opportunity for America that was worth that cost to him.


Earth hour isn't about saving money or the environment. It is just a feel-good publicity stunt.


"Yes, it is, but first let me address this sentence: my current withholding on my W4 is already at 0 so I can't make it   lower You definitely can make it lower. On W4, in addition to the allowances (that what you meant by ""already at 0""), there's also a line called ""additional withholding"". There, you put the dollar amount that you want your payroll to withhold from your paycheck each pay period. So the easiest way to ""send"" a one time payment to the IRS, if you're a W2 employee, would be to adjust that line with the amount you want to send, and change it back to 0 next pay period. You can also send a check directly to the IRS - follow the instructions to form 1040-ES. That is exactly what that form is designed to be used for."


"Yes, you're still exposed to currency risk when you purchase the stock on company B's exchange. I'm assuming you're buying the shares on B's stock exchange through an ADR, GDR, or similar instrument. The risk occurs as a result of the process through which the ADR is created. In its simplest form, the process works like this: I'll illustrate this with an example. I've separated the conversion rate into the exchange rate and a generic ""ADR conversion rate"" which includes all other factors the bank takes into account when deciding how many ADR shares to sell. The fact that the units line up is a nice check to make sure the calculation is logically correct. My example starts with these assumptions: I made up the generic ADR conversion rate; it will remain constant throughout this example. This is the simplified version of the calculation of the ADR share price from the European share price:  Let's assume that the euro appreciates against the US dollar, and is now worth 1.4 USD (this is a major appreciation, but it makes a good example):  The currency appreciation alone raised the share price of the ADR, even though the price of the share on the European exchange was unchanged. Now let's look at what happens if the euro appreciates further to 1.5 USD/EUR, but the company's share price on the European exchange falls:  Even though the euro appreciated, the decline in the share price on the European exchange offset the currency risk in this case, leaving the ADR's share price on the US exchange unchanged. Finally, what happens if the euro experiences a major depreciation and the company's share price decreases significantly in the European market? This is a realistic situation that has occurred several times during the European sovereign debt crisis.   Assuming this occurred immediately after the first example, European shareholders in the company experienced a (43.50 - 50) / 50 = -13% return, but American holders of the ADR experienced a (15.95 - 21.5093) / 21.5093 = -25.9% return. The currency shock was the primary cause of this magnified loss.  Another point to keep in mind is that the foreign company itself may be exposed to currency risk if it conducts a lot of business in market with different currencies. Ideally the company has hedged against this, but if you invest in a foreign company through an ADR (or a GDR or another similar instrument), you may take on whatever risk the company hasn't hedged in addition to the currency risk that's present in the ADR/GDR conversion process. Here are a few articles that discuss currency risk specifically in the context of ADR's: (1), (2). Nestle, a Swiss company that is traded on US exchanges through an ADR, even addresses this issue in their FAQ for investors. There are other risks associated with instruments like ADR's and cross-listed companies, but normally arbitrageurs will remove these discontinuities quickly. Especially for cross-listed companies, this should keep the prices of highly liquid securities relatively synchronized."


Postmodernist-marxist pushing agenda..    In reality democray is still the only option,  the key is an informed public..  And I think we are going through a big change with this now..   Why not make a paper related to public important knowledge on democratic issues, teach them how to make informed decisions..  That would be a real contribution to society,  this paper is filth.


Doesn't appear to keep other companies from doing it successfully. Besides Sabian (Zildjian's spin off company), Paiste, Meinl & Dream are a couple relatively recent cymbal manufacturers who, while not commanding the same market share, are nonetheless profitable and popular among drummers.


Lol..the MSM is using the nazi card to discredit all of Trumps supporters. It isnt going to work because we dont support nazis. We support free speech and the right to assemble peacefully.  [We know who we are. Dont let them brand us with their vitriol and hateful rhetoric.](http://i.magaimg.net/img/15ug.jpg)


">better off working a job wherein you actually produce something good for people to make money rather than just siphoning funds from others  FFS why do you even read /r/finance if this is the type of advice you're going to give? You're just as bad as the ""banksters"" if you think that quants contribute nothing of value.  If that's not what you mean, write more clearly next time."


I worked on the Top Gear China special, we deliberately picked cars that were a bit shit but we were also very careful not to irk the Chinese public by openly mocking their vehicles, I think we were quite diplomatic.   That show was ten years ago, the Chinese cars I see today are incredibly incredibly better - the Chinese rivals (in terms of price) to the Hyundai Sonata are virtually on par with Jaguar/Mercedes in terms of interior environment. Weak in powertrains tho.


"All the other answers posted thus far discuss matters from the perspective of US tax laws and are unanimous in declaring that what the OP wants to do is indeed a very bad idea. I fully agree: it is a bad idea from the perspective of US tax laws, and is likely a bad idea from the perspective of Indian tax laws too, but what the OP wants to do is  (or used to be) common practice in India. In more recent times, India has created a Permanent Account Number (""PAN number"") for each taxpayer for income tax purposes, and each bank account or investment must have the owner's (or first-named owner's, in case of a joint account) PAN number associated with it.  This most likely has decreased the popularity of such arrangements, or has led to new twists being used. The OP has not indicated the residence and citizenship of his family (or his own status for that matter), but if they are all Indian citizens resident in India and are Hindus, then there might be one mechanism for doing what the OP wants to do: apply for a PAN number in the name of the Hindu Undivided Family and use this number to carry out the investments in the name of the Hindu Undivided Family.  (There presumably are similar statuses for undivided families for other religions, but I am not familiar with them). There are lots of matters here which are more legal questions than personal finance questions: e.g. if the OP is a US tax resident, then the family presumably will not be able to claim Hindu Undivided Family status since the OP has been divided from the family for tax purposes (or so I think). Even if HUF status is available, the OP might not be able to act as the pater familias while his father is alive, and so on.  Consultation with tax lawyers, not just chartered accountants, in India is certainly advisable."


Yeah, Target's failure was a special sort of scenario where they worked too quickly and made lots of important mistakes that ultimately doomed the venture.  Sears Canada's failure, on the other hand, seems to be a more traditional business failure.


Agreed, most artist would *love* to get paid for their hobby. but that doesn't entitle them to profit. here's how I think of it - when the car was mass produced, railroads probably saw a huge drop in profits. the marketplace changed, and where once it was possible to turn a huge profit, now it was only possible to turn a portion of that profit. What if, in attempts to regain their profits, railroads pushed for regulations of the road so that only certain sized vehicles could drive on it? (Loose analogy, i know) The point is that the marketplace changes and NO ONE is *entitled* to profits for their work. Entertainment supply has skyrocketed with the internet and therefore it's value has diminished. But even still, hollywood and record labels make huge profits, look at how overpaid actors are. the industry can't expect to keep raking in these insanely inflated profits.  Other industries have to deal with similar problems, e.g. shoplifting. They chalk it up as a cost of doing business, and come up with creative ways to deter it. They could easily do this successfully with piracy (steam being the role model).  All in all, yeah, i think a sharing economy is a very healthy alternative. And maybe in the future films and such will be funded through crowdfunding methods such as kickstarter. But in the meantime we cannot allow these industries to influence legislation and introduce dangerous laws that infringe on the freedom of our internet. they seem to think that they have the RIGHT to maintain their already huge profits, and we need to put them back in their place.


How about sperm donors? Did they choose how their sperm is used?   Did the children of that sperm and egg choose their parents?   How about animals? Do they choose their parents as well?   I have the family I have through pure luck. Unless there's some kind of heavenly website or registry that I'm not aware of, it's sperm and egg that make a child and nothing else.


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If a company is public, and they record a 2016 profit of 100mil. Say there is shareholder A and shareholder B who are both wealthy and own 25% each of the company. Say the remaining 50% of shares are owned by a number of funds/small time investors.   So 2016 profits are 100mil, lets say there is a dividend. Can the company still award a larger share of profits to the two big shareholders? I.e. say 50 mil of the profits go into dividend payments and another 20 mil as retained earnings to be reinvested into future projects, can the remaining 30 mil of profits be split and given to shareholders A and B?


You should be able to convert this officially. As per RBI regulation an individual can hold upto USD 2000 eq for an unlimited period of time. See the point 14 on RBI FAQ's for Fx.