Because we don't let people with any kind of chronic disorder into the military, especially one that requires constant medication.  So no asthma, diabetes, etc.   It's an unacceptable risk if that person is cut off from the supply lines or captured and unable to get medication.   In the army you might be expected to survive in the field for extended durations.  It's a good idea to exclude people for the sake of combat readiness.    That's why we have an army in the first place.  To be combat ready.   But again, I'm sure you would circlejerk about how evil a decision it is, because you no longer think critically about things and you have fully internalized the propaganda.  To the point where you don't even think it's necessary to justify or explain it, you seem to think that it speaks for itself.


It depends on your investment profile but basically, dividends increase your taxable income. Anyone making an income will effectively get 'lower returns' on their investments due to this effect. If you had the choice between identical shares that either give a dividend or don't, you'll find that stock that pays a dividend has a lower price, and increases in value more slowly than stock that doesn't. (all other things being equal)  There's a whole bunch of economic theory behind this but in short, the current stock price is a measure of how much the company is worth combined with an estimation of how much it will be worth in the future (NPV of all future dividends is the basic model). When the company makes profit, it can keep those profits, and invest in new projects or distribute a portion of those profits to shareholders (aka dividends). Distributing the value to shareholders reduces the value of the company somewhat, but the shareholders get the money now. If the company doesn't give dividends, it has a higher value which will be reflected in a higher stock price.  So basically, all other things being equal (which they rarely are, but I digress) the price and growth difference reflects the fact that dividends are paying out now. (In other words, if you wanted non-dividend shares you could get them by buying dividend shares and re-investing the dividend as new shares every time there was a payout, and you could get dividend-share like properties by selling a percentage of non-dividend shares periodically). Dividend income is taxable as part of your income right away, however taxes on capital gains only happen when you sell the asset in question, and also has a lower tax rate. If you buy and hold Berkshire Hatheway, you will not have to pay taxes on the gains you get until you decide to sell the shares, and even then the tax rate will be lower. If you are investing for retirement, this is great, since your income from other sources will be lower, so you can afford to be taxed then. In many jurisdictions, income from capital gains is subject to a different tax rate than the rest of your income, for example in the US for most people with money to invest it's either 15% or 20%, which will be lower than normal income tax would be (since most people with money to invest would be making enough to be in a higher bracket). Say, for example, your income now is within the 25% bracket. Any dividend you get will be taxed at that rate, so let's say that the dividend is about 2% and the growth of the stock is about 4%. So, your effective growth rate after taxation is 5.5% -- you lose 0.5% from the 25% tax on the dividend. If, instead, you had stock with the same growth but no dividend it would grow at a rate of 6%. If you never withdrew the money, after 20 years, $1 in the dividend stock would be worth ~$2.92 (1.055^20), whereas $1 in the non-dividend stock would be worth ~$3.21 (1.06^20). You're talking about a difference of 30 cents per dollar invested, which doesn't seem huge but multiply it by 100,000 and you've got yourself enough money to renovate your house purely out of money that would have gone to the government instead. The advantage here is if you are saving up for retirement, when you retire you won't have much income so the tax on the gains (even ignoring the capital gains effect above) will definitely be less then when you were working, however if you had a dividend stock you would have been paying taxes on the dividend, at a higher rate, throughout the lifetime of the investment.  So, there you go, that's what Mohnish Pabrai is talking about. There are some caveats to this. If the amount you are investing isn't large, and you are in a lower tax bracket, and the stock pays out relatively low dividends you won't really feel the difference much, even though it's there. Also, dividend vs. no dividend is hardly the highest priority when deciding what company to invest in, and you'll practically never be able to find identical companies that differ only on dividend/no dividend, so if you find a great buy you may not have a choice in the matter.  Also, there has been a trend in recent years to also make capital gains tax progressive, so people who have a higher income will also pay more in capital gains, which negates part of the benefit of non-dividend stocks (but doesn't change the growth rate effects before the sale).  There are also some theoretical arguments that dividend-paying companies should have stronger shareholders (since the company has less capital, it has to 'play nice' to get money either from new shares or from banks, which leads to less risky behavior) but it's not so cut-and-dried in real life.


The average house uses about 30 kWh per day, and an electric car would require about 9 kWh per recharge. But residential electricity is only 37% of the grid, so even if every car in the US was electric, only 11% more capacity would be needed.


"You didn't even bother to scan the article I linked. ""Real"" organic milk for example has double the CLA and ALA and 60% of the LA of conventional milk and ""fake"" organic due to organic's pasture rules. Grass-fed beef shows similar numbers. Pasture-raised eggs have been [proven to be significantly higher in Omega-3s, Vitamin E, D, etc.](http://wholehealthsource.blogspot.com/2009/05/pastured-eggs.html)  Granted for a lot of fruits and vegetables there are smaller health differences but there are still large differences for the land and farmworkers. Cancer for farmworkers sucks, even if it doesn't personally affect you.  Vaccines don't cause Autism."


Good points. I'd like to add some more:   6. Automation is deflationary   7. Low birth rate is deflationary   8. Declining educational level is deflationary   9. Migration of uneducated people is deflationary   10. Declining EROI is deflationary  The printing press only inflates the valuation of assets, causing the inequality to rise. For people who do not have assets, life becomes more and more unaffordable. Redistribution of wealth cannot solve this problem, as the financial markets require a growing money base. Otherwise, Hyperinflation would be an inevitable consequence.    Economic decline is merciless.


When the government controls your education, you only learn what the government wants you to learn, and your attitudes towards conflicting information can be taught to you and reinforced for more than a decade, during your most impressionable time. There is a REASON the government wants to raise you, and not your parents.


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And honestly, if they don't understand email, it's probably better that they stay the hell away from it for national security purposes.   I don't have a problem whatsoever with them not knowing how to use email. That is not a skill that is really critical for what they do, and if it is detrimental to their overall productivity, they probably make up for it in their depth of knowledge and skill in the incredibly niche area of naval combat strategy.


> I get Goldman allowing a yacht as collateral, at that size it's basically real estate. But an Andy Warhol? Fine art prices are so subjective and manipulated, it seems ridiculous to think that a company would allow it as collateral against a loan.   Lol, a painting ages far far better than a Yacht.


Factset also provides a host of tools for analysis. Not many people know as they aren't as prevalent as Bloomberg. CapitalQ and Thomson Reuters also provide analysis tools. Most of the market data providers also provide analysis tools to analyze the data they and others provide.


"Most of the work done as an analyst or associate depends on whether or not you are assigned to a deal at the time.  If not, you're probably going to be working on pitch books, which is basically putting together a firm template-style powerpoint file ""pitching"" a company to a potential client.  The pace is slower, but the work is boring.  If you're on a deal, then the stress level is raised as you have to respond to client demands and timing immediately.  You are typically doing some basic forms of analysis/modeling and then importing that into a powerpoint report.  You are working on these reports endlessly, turning review comments from associates, VP's, and MD's.  As you get higher up the chain you do more of the dealrunning (communicating to all the various parties to the deal, third party diligence, buy-side, etc.) and client-facing activities.  You can find a lot of good info on the finance industry on wallstreetoasis.com.  I'm personally in transaction services doing diligence work at a Big4, and I've always found WSO to be a good resource for at least basic info.  You obviously need to weed out the people who are dumbasses/don't know anything (current students), but plenty of guys actually in the industry post regularly."


"I don't know why they put quotes around terrible as if they are saying it wasn't that bad. However, the information we are seeing shows we could be entering a ""new"" recession by the end of the year. Not very good."


They should be rendered worthless by making the medallion concept illegal. It is a way for corrupt government to be more corrupt that it otherwise can be. It is municipal level corruption outside of view of voters and scrutiny. The medallions are a way to make millions of dollars for people who don't do anything for it, nor deserve any of that money. Its artificial monopoly making for the incestuous class operating within of government.


I bought a digital game and I had to use their stupid app to get the keycode, which it never gave me.  I ended up wasting shit tons of time on the phone with their idiot reps who passed me like a hot potato and then they had the nerve to say my pc was the problem and that I needed to pay for Best Buy's geek squad to fix it when clearly there are a lot of threads that show the problem is on their side.  A bug or multiple bugs in their app that appear to have existed for at least a year and still hasn't been resolved.  Even if the prices are good, this is why you shouldn't shop there.  Because they treat their customers like crap.


Yes, you do.  You also need to file a tax return every year, and if you have more than $50k of total savings you need to declare this every year.


Well, it really doesn't make sense to pay for either in cash. For these purchases, unless you're super wealthy, you won't be paying it in full. If you were to pay in full, then I don't see any practical point to withdraw that money in cash.


Good credit is calculated (by many lenders) by taking your FICO score which is calculated based upon what is in your credit report.  Building credit generally means building up your FICO score. Your FICO score is impacted my many factors, one small one of which is your utilization ratio of your installment loans like student loans.  This is the ratio of the current balance to your original balance.  To improve your score (slightly) you would want a lower ratio.  I would recommend paying your student loan down to 75% ratio as fast as you can and then you can go back to $50/month. A much better way to improve your FICO score is to have revolving credit.  Your student loans are not revolving, they are installment loans.  Therefore, you should open at least one credit card (assuming you currently have none) right away.  The longer you have had a credit card open, the better your FICO score gets.  Your revolving credit utilization ratio is way more important than your installment loan ratio.  Therefore, to maximize your FICO, try to never have more than 10% utilization on your revolving credit report to the credit bureaus each month.  Only the current month's ratio affects your score at any given moment.  You can ensure you don't go above 10% by paying your balance before the statement cuts each month to get it below 10% way before any payment would be due.  (You should always pay your remaining credit card statement balance in full each month by the due date after the statement cuts to avoid any interest charges.)  Note that there is a slight FICO advantage to having at least one major bank credit card instead of just only credit union credit cards.  Also, never let all your revolving credit report a zero balance in a month, you must always have at least $1 reporting to the credit bureaus on at least one of your open credit cards or your FICO score will take a big negative hit. If you cannot get a normal credit card, go to a credit union and find one that offers secured credit cards, or a bank that does.  A secured credit card is where you place a deposit with the bank that they hold and give you a credit limit to match your security.  Ideally it would be a card that graduates to unsecured after your demonstrate good history with them.  For example, the Navy Federal Credit Union secured card unsecures for many people.  I also believe the Wells Fargo Bank credit card (you can join if there is a family member who served or a roomate who did) also will unsecure.  The reason you want it to unsecure and not be forced to open a new account to get an unsecured account is that you want your average age and oldest age of open revolving credit accounts to be as high as possible as this is another impact on your FICO score. Credit unions that anyone can join include, Digital Federal Credit Union, the Pentagon Federal Credit Union (which offers a secured card that does not graduate), and The State Department Federal Credit Union (also offers secured card that I think does not graduate). One other method to boost your FICO score is to get added as an authorized user on one of your parent's credit cards that has been open a long time.  Not all lenders will report such an authorized user, however, ones that are known to do so are: Bank of America, Citi Bank, and Capital One.  It is a good sign that it will report if they ask for the social security number of the authorized user. However, note that the Authorized User addition can have no impact if the lender is using one of the newer versions of the FICO scoring model, only the older versions reward you for the age of accounts for which you are an authorized user. A very long term boost is to open your first American Express card underwritten directly by Amex such as their Zync card which is pretty easy to get.  The advantage of American express is that they remember the date your first credit card was opened with them and if you open new accounts in the future they will back date the date of their opening to match the date your first card was opened.  If you let your membership lapse, be sure to record the account number and date opened in your personal files so that you can help them locate it again if you reopen as they can have trouble if it has been on the order of ten years or more. Finally, note that the number of accounts opened in the last twelve months is a small negative mark on your score (along with number of inquiries), so if you open a lot of accounts all at once, in addition to bringing down your average age of accounts, you will also get dinged for how many were opened in the last year.


"We *are* talking at cross-purposes, but not for the reason you think.   The debt might or might not be legally or practically recoverable (the apple-farmer and everything he owns might have been destroyed in the fire), but the value created and destroyed was real, and so was the money.   You're focusing on the debt owed to the shoemaker, which is fine, but your mistake is thinking that the debt is in some way meaningfully different from money, which it's not.   Most people who try to explain this difference would go off on a spiel about how the overwhelming majority of money on deposit in banks and otherwise in circulation has never been printed, or something, which is okay, but it's not a very convincing argument because you'll come back with something like, ""But I can still withdraw all my money, I can still cash all my checks, etc...""  So instead, I'm going to try and break this down, bear with me...  The apple-grower got a deer (worth 12 loddars, let's set the ""interest"" part aside for the moment). I got a pair shoes (also worth loddars).  Forget about the shoe-maker and the debt for a moment, and focus on me. I sold a deer, and I used the proceeds to buy a pair of shoes.   - Did I defraud anyone? No, I engaged in a fair transaction with willing partners on both sides.   - Did I get paid for the deer? Obviously I did, because I used the payment to buy shoes.   - What did I get paid with, if not money?   I can hear you saying ""yeah, but the shoe guy...""   Forget about the shoe guy. When buy something on Amazon marketplace and charge it on a credit card and then get paid via direct-deposit and then have the money taken from your account to pay off the credit-card company electronically, is all of that real money? Of course it is.   Now, what happens if you die before paying the the credit-card bill? Does that mean that the money Amazon paid to the seller doesn't exist?  Does that mean that money paid by the CC company to Amazon doesn't exist? How about the money in your bank account, does that exist? What if your employer once defrauded someone, how about then?   None of that money has ever been *printed*, nobody got permission from Ben Bernanke to authorize these transactions, but the money that changed hands was absolutely real, even though it was nothing more than a *series of promises.*   Before you argue with me, think this through: all these account-transfers ultimately boil down to *promises* by the end bank to produce cash when and if the account-holder walks up to a teller and demands it. The bank doesn't have nearly enough cash to pay every account-holder, but they *do* have enough (hopefully) to keep their promises, since they know they won't all be called in at once.   Nobody ever actually delivered a package of paper currency to cover these transactions. Everyone is just trading promises, and passing those promises along to others. It sounds crazy to say it that way, but it is *absolutely* true.   Tally up your net worth (or if that's too ugly, imagine tallying up someone's net worth who has a net worth). Chances are that you have never in your life seen that amount of paper cash, certainly not in your physical possession. So who has it? It's not like your local bank branch has a box marked ""C_B_M"" with $400,000 in bills and coins sitting there.   What you have is a series of promises.   When your employer gets by credit-card, the customer promises to pay the credit-card company, who promises to pay your employer's bank. Your employer then pays you with a direct-deposit whereby his bank promises to pay your bank. You then swipe an ATM card and your bank promises to pay the grocery-store's bank, who in turn sends a check to their supplier which is a promise that the grocery-store's bank will pay the supplier's bank, who in turn does the same with the farmer, who does the same with his mortgage-company, who does the same to their investors, who do the same to whoever they spend money with.   Occasionally one of them takes a cash withdrawal to tip the stripper or stick in a birthday-card or buy hot-dogs at the ballpark or something, but overwhelmingly, we are all just spending and re-spending *promises*, and the remarkable thing is that, overwhelmingly, *we keep them*, without anyone involved ever hiring a truck to deliver a bindle of cash to the ""first person"" because there *is* no ""first person.""  All of that stuff is *absolutely real money*.   I used the example of a wildfire, but maybe it will be more useful to think of something that just changes in value for no obvious reason. Think of some article of clothing that has gone out of style-- everyone was buying that stuff up until the day they stopped. Somewhere, someone was stuck with the last warehouse full of hot-pink parachute pants or whatever. A month before, when they were ordered from China or wherever, they were worth $50 each. Now you can't give them away. That value is gone, it's just vanished. The money that bought the pants was real, the pants are real, but they are no longer worth anything.   The person holding that warehouse full of pants now has to *pay* to either store of dispose of them. They might start bouncing checks and breaking promises. There was no fraud, but there also might not be any way to recover the money owed. $10mm worth of parachute pants is now negative $1mm worth of trash that has to be disposed of and mortgage obligations on the warehouse.   I hope some of that makes sense. It is really hard to explain this stuff via analogy and hypothetical and the kinds of terms that lawyers think in, if you will forgive me for saying so."


FHA insured loans must 'go hand in hand' with PMI, because the FHA element is the insurance itself.  The FHA isn't actually giving you a loan, that's coming from a lender; instead, the FHA is insuring the loan, at some cost to you - but allowing a loan to folks who may not be able to afford it normally (lower down payment requirements and a somewhat cheaper PMI). FHA-insured loans may be lower rates in some cases than non-FHA insured loans because of this backing; that's because they make it easier for people of poorer credit histories with smaller down payments to get a house in the first place.  Those people would tend to have a harder time getting a loan, and be charged sometimes usurious rates to get it.  Low down payment and mediocre credit history (think 580-620) mean higher risk, even beyond the risk directly coming from the poor loan to value ratio. Comparing this table of Freddie Mac rates to this table of FHA-backed loan rates, the loan rates seem comparable (though somewhat lagging in changes in some cases).  FHA loans are not nearly the size or complexity of loan population as Freddie Mac, so be wary of making direct comparisons. Looking into this in more detail, pre-collapse (before 12/07), FHA rates were a bit lower - average rate was about .5 points lower - but starting with 12/07, FHA average rates were usually higher than Freddie Mac rates for 30 year fixed loans: in 1/2009 for example they were almost a point higher.  As of the last data I see (5/13) the rates were within 0.1 points most months. This may be in part because Freddie Mac had looser requirements to get a loan pre-collapse, then tightened significantly, then started to loosen some (also around June 2013, rates climbed significantly due to some signals from the Fed, although they're almost back to their lows thanks to the Fed again).  These are averages across all loans, so you get some noise as a result. Loan interest rates are very personal, in general: they depend on your credit, your house and down payment, and your bank (which varies by your location).  The best thing to do is to shop around yourself and just see what you get, and ask your lender any questions you have: if you pick a local lender with a good service history and who is willing to talk to you in person (ie, has a direct phone number), you'll have no trouble getting answers.


"If any intelligent person can answer the title of your article with one word (in this case, ""no""), then you are writing a puff opinion piece. In this case, one obviously sponsored by one of Tesla's many, many detractors in the fossil fuel industry trying to find reasons why we shouldn't save the world by banning over-priced fossil fuels."


Yes. And employer's often make you buy required uniforms from *them* and keep then in serviceable condition until you need to..... buy them again.... from them of course. That's not to mention upholding certain health and grooming standards. Again good luck with that when you can barely afford food and have to go to work sick because you have no sick days (even if you DO!). Hopefully you work in food service and can eat cake. Maybe they'll even *let* you without having to sneak it behind their back.


Gläubiger ID ungültig seems to indicate that the side trying to pull money from your account used a Gläuber-ID that has expired or has been revoked. (Just in case someone has the same question, two years later.)


You might want to just keep it in cash. For one step further you could do an even split of USD, EUR and silver. USD hedges against loss of value in the euro, precious metal hedges against a global financial problem. Silver over gold because of high gold:silver ratio is high. You could lose money this way. There are some bad things that can happen that will make your portfolio fall, but there are also many bad things that can happen that would result in no change or gain. With careful trades in stocks and even more aggressive assets, you could conceivably see large returns. But since you're novice, you won't be able to make these trades, and you'll just lose your investment. Ordinarily, novices can buy an S&P ETF and enjoy decent return (7-8% annual on average) at reasonable risk, but that only works if you stay invested for many years. In the short term, S&P can crash pretty badly, and stay low for a year or more. If you can just wait it out, great (it has always recovered eventually), but if some emergency forces you to take the money out you'd have to do so at a big loss. Lately, the index has shown signs of being overvalued. If you buy it now, you could luck out and be 10-15% up in a year, but you could also end up 30% down - not a very favorable risk/reward rate. Which is why I would hold on to my cash until it does crash (or failing that, starts looking more robust again) and then think about investing.


That's not the debate here. I get your point, but the issue was on-the-go charging. It takes time, it's an inconvenience, but it's not insurmountable. Asserting because YOUR use patterns mean you don't need to recharge en-route = it charges in 5 seconds is simply wrong.   Personally I can't wait for an EV. Likely will be a motorcycle for me first, followed by an eGolf / Bolt / etc down the road.


"A possible response that wouldn't compromise your beliefs could have been.  ""The world would be a much better place if more people lived by his example of forgiveness, peace and helping the poor.""  Hard for them to argue and you sidestep the issue of his divinity."


"As long as you are disciplined about it, you can certainly have your emergency fund and other savings funds in one account.  Multiple accounts may incur added costs, since you may not have the minimum balances to avoid the fees.  Some banks provide tools or account features to help track separate ""buckets"" of funds within one account. One important principle for an emergency fund is liquidity.  Those funds should be easily accessible, ideally without withdrawal penalties or transaction costs.  For this reason, certificates of deposit (CD) or money market funds should be avoided for this purpose. Another important principle, for any savings fund, is capital preservation/safety.  That money should not be held in risky assets.  Depending on the purpose of the fund, you may consider other options beyond just a savings account.  For example, you may consider placing funds for a house in CD(s) early on, before you are actually looking for the house.  As you get closer to having enough for a down payment, you would shift that money into a savings account.  One drawback of such an approach is the extra management that this requires on your part. A spreadsheet is a simple way to track these funds, though that requires more manual management and discipline to do that tracking.  It also requires some knowledge of spreadsheets, but it provides you with flexibility so you can create a process that works well for you.  Any accounting software should allow you to do this in some fashion with (hopefully) less effort than maintaining a spreadsheet, though you may have to do things in a certain way that may be awkward in some cases. Those are the basic principles that come to mind.  I am sure others can provide more specific suggestions, like banks which allow you track buckets of funds or accounting software that can help you track the funds."


"+1 on all the answers above. You're in a great position and have the right attitude. A good book on the subject is A Random Walk Down Wall Street - well worth a read. Essentially, go for low tax paying in, low tax taking out approach (in the uk that's a SIPP or ISA), a low cost well diversified unit fund (like a Vanguard LifeStrategy 100), on a low cost platform (""Annual Management Charge"" in be UK). Keep paying a regular amount and let compound interest take care of things. I'd also add that you should think about what lifestyle you would want at specific ages and work out what you need to save to achieve these - even though they are probably a long time in the future, it makes your goals ""real"". Read Mr Money Moustache for some ideas http://www.mrmoneymustache.com"


You're saying that medallions aren't profitable but that they're selling for $1 Million because they're *liquid*!? OK you might need to go read about discounted cash flows or something because you do not know what drives the value of a business  Because that's what Medallions are - they aren't a cost of doing business, they're the price of buying a business. Which is high because the business is profitable  If you're not seeing the profits then you have the city to blame for that: they're going to the medallion owners


So how often do investors really lose money? The short answer is, every day. Let's first examine your assumptions: If the price of the share gets lower, the investor can just wait until   it gets higher. What are the chances that it won't forever, or for   years? There are many stocks whose price goes down and then down further and then to zero. The most apparent example is, of course, Enron. The stock went from about $90 per share to zero in about 18 months. For it to have been sold at $90, obviously, someone had to buy it. Almost no matter where they sold it, they lost money. If they didn't sell it, when the stock was worthless, they lost money. https://en.wikipedia.org/wiki/Enron#/media/File:EnronStockPriceAugust2000toJanuary2001.svg There are more modern examples of companies that are declining in a rapidly changing market. For example, Sears Holdings is getting beat down by Amazon and many other on-line retailers. I suspect that if you buy it today and wait for it to go higher, you will be disappointed. https://www.google.com/finance?q=NASDAQ%3ASHLD&ei=E8_fWIjWGsSGmAGx7b_IAw The more common way to lose money is to either not have a plan or not stick to the plan. Disciplined investors typically plan to buy quality stocks at a fair price and hold them long enough for increasing sales and profits to bring the stock price up. If, later, he hears a bit of bad news about his stock and decides to sell out of panic or fear and become a trader instead of keeping to the plan to remain a disciplined investor, he is likely to lose money. He will lose because no-one can predict accurately that a stock is going down and will never recover; nor can he predict accurately when a stock is going up and will never falter. The chance of bankruptcy (especially for huge companies like Apple) is   really low, as I see it, but I may be wrong. Thousands of people lost billions of dollars thinking that about Enron, too. I too believe Apple is a fine stock with excellent prospects, but technology changes and markets change. Twenty or thirty years from now, it may be a different case.


Taxes should not be calculated at the item level. Taxes should be aggregated by tax group at the summary level. The right way everywhere is LINE ITEMS SUMMARY PS:If you'd charge at the item level, it would be too easy to circumvent the law by splitting your items or services into 900 items at $0.01 (Which once rounded would mean no tax). This could happen in the banking or plastic pellets industry.


"(Value of shares+Dividends received)/(Initial investment) would be the typical formula though this is more of a percentage where 1 would indicate that you broke even, assuming no inflation to be factored. No, you don't have to estimate the share price based on revenues as I would question how well did anyone estimate what kind of revenues Facebook, Apple, or Google have had and will have. To estimate the value of shares, I'd likely consider what does my investment strategy use as metrics: Is it discounted cash flow, is it based on earnings, is it something else? There are many ways to determine what a stock ""should be worth"" that depending on what you want to believe there are more than a few ways one could go."


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According to this Q&A by a Houston law professor: The law, however, is not designed to interfere with an individual's right to stop payment on a valid check because of a dispute with someone. If he didn't deliver as promised, you do not owe the money and have the right to stop payment. Assuming that you had enough money in the bank to cover the check, stopping payment is not a crime. I found several other pages essentially saying the same thing.  All the usual disclaimers apply, I am not a lawyer, this is not legal advice, etc.  In particular, laws might vary by state. Basically, though, it doesn't seem there's any reason why you can't stop payment on the check just because you feel like it.  If you then provide a cashier's check for the payment, your ex-partner will not really have anything to complain about.  If you're worried about annoying him by doing this, that's a separate issue, but given the situation you describe, I don't see why you should be.  If you feel he is being a pain in the neck, feel free to be a pain in the neck right back and force him to accept the payment in the manner you decide, instead of allowing him to string you along. Note two things: obviously if you have reason to believe the guy will sue you, you should act with caution.  Also, I'm not suggesting withdrawing payment completely, only stopping the check and issuing a new payment that you don't have to wait on (e.g., cashier's check).


Most countries tax income, but not a transfer of already taxed money, so you have nothing to worry about. You need to be prepared - if asked - to proof that the money was legally earned, and that you paid taxes for the income when you originally got it. Chances are small that anyone asks though, if you are not being investigated for other reasons already.


I work at a manufacturing facility near Savannah, GA.  When it was finalized that we would shut down at the end of the week, the upper management was out a day early.  They all drove to the airport and flew out of here on Thursday.  This left the employees and supervisors (and a few area managers) to left everyone navigate the confusing and uncertain shut down and evacuation process.    I lost all of the respect I had for management.


"There are a number of strategies using options and shares together.  One that sells large potential upside gains to assure more consistent medium returns is to ""write covered calls"".  This fairly conservative and is a reasonable entry point into options for an individual investor. Deeper dive into covered calls"


Compound growth isn't a myth, it just takes patience to experience.  A 10% annual return will double the investment not in 10 years, but just over 7.  Even though a mortgage claims to use simple interest, if your loan is 5% and there's 14 years to go, $100 extra principal will knock off $200 from the final payment. The same laws of compounding and Rule of 72 are at play.


after 10 years, I don't see how you could end up buying from a little shop. I know people much less experienced than him that don't do that...   It's difficult but even someone with 1 year of experience here in China wouldn't do that


In the US, the key to understanding the benefits of retirement accounts is to understand capital gains taxes and how they work. Retirement accounts are designed for making investments throughout your career, then after several decades of contributions, withdrawing that money to pay for your needs when your full-time employment has concluded. Normally when you invest money in a brokerage account, if the value of your investment increases, and you sell in less than a year, those investments are considered short-term gains and taxed as ordinary income. If you hold that same investment for over a year, the same investment is taxed at a lower capital gains rate (depending on which tax bracket you are in during that year, the amount due could be up to 20%, but much lower than your regular income tax rate). When you place your money in a retirement account, you are choosing to either pay the tax due on the income when you put it in the account, or put the money in tax free and pay the tax when you withdraw (these are called tax-deferred accounts). When you have money invested several decades, the raw dollar amount increases greatly, but inflation is also reducing the value of those dollars. Imagine you bought some bonds that payed 4% over 40 years, but inflation was 2% during those same years. When you sell those bonds 40 years later, you will owe capital gains on the entire gain even though half of the gain came from inflation. Retirement accounts allow you to buy and sell according to your investment needs and goals without any consideration about whether the gains are short-term or long-term, and they also allow you to pay taxes just once, either when you put it in, or when you take it out, with no worries about whether you're paying taxes on inflated gains.


"I said nothing about a preference for either system. All of the internet TV utopia stuff is a projection you put on me based on percieved ""reddit sentiment"" (for which I think your perception is pretty accurate).   That's just the way I imagine the market going, regardless of what's ""good"" for American Culture and jobs, etc.  The biggest thing I'm tempted to disagree with here is the idea that those big shows' funding will keep TV around.   My main objection is that I don't think we have a reason to believe that these high-budget shows need to exist in the future. I agree that it would suck to lose these types of shows, but I think they are a product of the arrangement of business less than they could ever be a driver of it. It seems totally feasible that cable would lose subscribers to people pirating their shows and to internet TV services, and that we'd just end up without shows like that.  Be careful to keep value judgments separate from what you think the market will or could do."


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**Austrian School**  The Austrian School is a school of economic thought that is based on methodological individualism – the concept that social phenomena result from the motivations and actions of individuals. It originated in late-19th and early-20th century Vienna with the work of Carl Menger, Eugen Böhm von Bawerk, Friedrich von Wieser, and others. It was methodologically opposed to the Prussian Historical School (in a dispute known as Methodenstreit). Current-day economists working in this tradition are located in many different countries, but their work is still referred to as Austrian economics.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.27


And this is why we calculate actual yield and not just coupons. Nobody pays par for high yield notes. If the company performs well, the price of your note goes up and you can realize a gain when is called or your sell it.  High yield works exactly like equity, and in a lot of cases it's better because it spits out cash in the meantime.  I'm not even allowed to call the interest I get on my HY notes as interest. All realized gain.


"Damn right.  The USA appears to have one of the highest productivity per capita rates around.  Actually, when you measure its productivity per man-hour, it's merely average.  America makes up for sub-par productivity by just working longer hours.  It's a ""Boxer the Horse"" work-ethic.  Infrastructure falling behind?  ""I will work harder.""  Wages falling?  ""I will work harder.""  Patent trolling?  ""I will work harder.""  Labor laws being violated?  ""I will work harder.""  Layoffs?  ""I will work harder."""


Media agencies have no interest in that they would lose the money trail.  Google/Facebook obviously don’t want things to change.  Look at what advertising associations when Apple release Safari new tracking blocking feature: they know they are doing shit yet it gives so much money they surely don’t want to stop.  Fools in the story afe obvs brands who still thonk their ad investment make a difference and end-users.


Try Cha-Ching from MidnightApps or Moneywell I did not used neither of them for an extended period of time, but I heard the Moneywell is nice.


Thiel is involved with at least 15 immense internet companies, not to mention his past ownership's. It's easy to draw conclusions from a-b without actually looking into all the details and complexity,  as long as it makes sense for you right?


Yes it is!  You don't need the candidate waving a university diploma to find out in 5 minutes if they can read, write or understand.  As someone who work with many interns, some of them from ivy league universities, I can confirm that many of them, 30%, have terrible attitudes, immaturity, spoiled, disorganized, and it all goes together with being not so smart, despite the degree.  In the past, to be a teller in a bank, you did not have to finish high school. Just needed to be good with basic math.


Ok, now you're either trolling or you have absolutely no idea how Excel is used in the professional world.  Maybe some of the banking folks can chime in on how much their junior analysts are allowed to use a mouse in Excel, because I've heard that some of the banks actually take away your mouse for your first few months at the firm because there are keyboard shortcuts available for every function.    How old are you and how long have you been in Finance?


Here is a list of threads in other subreddits about the same content:   * [Bay Area hammered by loss of 4,700 jobs](https://www.reddit.com/r/California/comments/7820h8/bay_area_hammered_by_loss_of_4700_jobs/) on /r/California with 291 karma (created at 2017-10-23 02:35:32 by /u/Mission_Burrito)  * [Job losses hammer Bay Area, employers slash 4,700 jobs](https://www.reddit.com/r/bayarea/comments/77o1jt/job_losses_hammer_bay_area_employers_slash_4700/) on /r/bayarea with 75 karma (created at 2017-10-21 02:29:59 by /u/s1337m)  * [Bay Area hammered by monthly loss of 4,700 jobs - Lack of affordable housing strangles hiring efforts](https://www.reddit.com/r/Economics/comments/78f9m5/bay_area_hammered_by_monthly_loss_of_4700_jobs/) on /r/Economics with 25 karma (created at 2017-10-24 20:04:13 by /u/speckz)  ----   ^^I ^^am ^^a ^^bot  ^^[FAQ](https://www.reddit.com/r/DuplicatesBot/wiki/index)-[Code](https://github.com/PokestarFan/DuplicateBot)-[Bugs](https://www.reddit.com/r/DuplicatesBot/comments/6ypgmx/bugs_and_problems/)-[Suggestions](https://www.reddit.com/r/DuplicatesBot/comments/6ypg85/suggestion_for_duplicatesbot/)-[Block](https://www.reddit.com/r/DuplicatesBot/wiki/index#wiki_block_bot_from_tagging_on_your_posts)  ^^Now ^^you ^^can ^^remove ^^the ^^comment ^^by ^^replying ^^delete!


Nearly all long-lived active funds underperform the market over the long run. The best they can hope for in almost all cases is to approximate the market return. Considering that the market return is ~9%, this fund should be expected to do less well. In terms of predicting future performance, if its average return is greater than the average market return, its future average return can be expected to fall.


"This is perfect timing for a ""pre-Winter check"" type offer. Sure I read something about a similar campaign in The Wizard of Ads or a book like that. Essentially, a lot of people's plumbing goes bad in the winter when they start turning their heating on or their pipes are leaky, etc, so they can save money now by getting a pre-Winter check for $X. I can't flesh out the idea any further than that, not being in the industry, but it might inspire some ideas.  Depending on the market, this sort of thing could even be turned into a story within the local media *especially* if a particularly bad cold snap is predicted or the like."


> You may be willing to pay much more, but not everyone is willing.  Taxi services in Europe are more expensive than Uber, but they are still in business. Yet, Uber wins on all other fronts (no cash exchange, quick pick up, reliable and friendly drivers, etc...).  Although, there has been some protectionism in some countries, obliging uber drivers to be taxi certified (uber Black). I'm just surprised that a taxi company has not developed a similar app, there are a lot of quick car rental services these days (3 of which I know of).


They better improve their coverage by double digits.  This is one family that's switching back to Verizon as soon as I pay off these damn phones.  I even have their microcell for my home and it still sucks so bad that I have to use wifi to make and receive calls.


A 2011 study by the consulting firm Management Information Services, Inc. (MISI)[28] estimated the total historical federal subsidies for various energy sources over the years 1950–2010. The study found that oil, natural gas, and coal received $369 billion, $121 billion, and $104 billion (2010 dollars), respectively, or 70% of total energy subsidies over that period.   Oh look the US has always subsidized energy in general to maintain a strong stable energy position and now they want to move from CO2 producing dirty tech to more green renewables. Personally I'm glad my tax money is being used for it.  While subsidizing it costs have fallen by leaps and bounds, long term it's a great move. Do you think Europe and china would be building solar and wind if it wasn't ?


I did an analysis on this not too far back for work, and despite the headlines, I don't consider this to be too much of a macro risk yet (or if it ever will be).  Perhaps a canaries in the coal mine kind of thing


apparently the ~~tools~~**temporarily embarrassed millionaires** who are upvoting me, think you are wrong.  My code name is Project 2501.   l was created for industrial espionage and data manipulation.   l have inserted programs into individual ghosts   for the benefit of specific individuals and organizations.   As l wandered the various networks   l became self-aware.   And then I organized and joined The Wobblies


"There are several reasons. One, mutual funds provide instant diversification.  To build a diverse portfolio ""manually"" (by buying individual shares) requires a lot of time and effort.  If your portfolio is not diverse, then it is wrong to say ""buying shares gives higher return""; in many cases diversification will increase your returns. Two, mutual funds reduce transactions costs.  If you buy individual shares, you pay transactions costs every time you buy or sell.  If you buy and sell the shares of many companies, you must perform many transactions and thus incur heavy fees.  With mutual funds, a single transaction gets you access to many companies.  In addition, it is often possible to buy mutual funds without paying transactions costs at all (although you will still pay fund expenses). Three (sort of a combination of the previous two) it is just easier.  Many people can easily buy mutual funds with no cost and little effort through their bank.  It is also simple to set up auto-investment plans so that you automatically save money over time.  All of these things are much more complicated if you try to buy many individual shares. Four, if you buy the right kinds of funds (low-cost index funds), it is probably more lucrative than buying individual shares.  The odds that, through carefully selected stock-buying, you will earn more than the market average are small.  Even professional stock-pickers consistently underperform broad market indexes. In short, it is not true that ""buying shares gives higher return"", and even if it were, the convenience and diversification of mutual funds would still be good reasons to use them."


Don't worry about the spam mail. If you get a loan, it will be based on your personal credit. I don't know if you can get a real estate loan for your LLC, even if it owns many properties. Typically you get the loan in your own name, then transfer title to the LLC. The LLC does offer good liability protection. The downside is that it can be expensive (at least in California) and requires some work. You may have to pay an annual tax, and file (multiple) tax returns. It may not be worth it for one property. But it definitely a good idea if it is not too expensive.


"My own personal point of view. I earn about twice what my wife to be earns. We are planning on getting married next year.  I ultimately do all the finances (basically because she hates that kind of thing) not because I'm in charge or whatever. To work out how we do this I wrote a spreadsheet:  At the top it has my monthly pay in one column and her's in another. I add all our bills (against me initally). At the bottom I have a total of both of our ""spending money"". Spending money is wage - bills - savings I then move money out of my column into her column. My goal is that we pay all the bills and save a decent amount and have roughly the same amount to spend each month. So each persons spending money should be roughly equal. I then fine tune this as things change (if we get a pay rise we alter it, if a bill goes up or down we alter it) To manage this we have 4 accounts, a joint account to pay bills (both give a set amount to each mont), a savings acount (both give a set amount to each month) and our own accounts (where we get paid and where our spending money lives). Like everyone else says, this seems fair to me. I don't earn more, we both earn ""an amount"" and this should be split equally."


>[**Michael Pento – Gold Setting Up for Huge Spike Higher [28:48]**](http://youtu.be/U3qHMPgYy4c)  >>Financial analyst and money manager Michael Pento says, “I think it is setting up for a huge spike higher.  I don’t think the time for that to start is exactly now, but the gold market is catching a bid here.  The big boom in gold and gold mining shares will be when we have a watershed moment, when the market realizes in mass the central banks have lost control of the economy and the money supply.  That is coming very, very soon, no later than the middle of 2018, and it could probably happen this fall, and that is when the market understands that central banks don’t really control interest rates.  They cannot control the long end of the yield curve, and they will destroy economic growth and stock markets across the world.  That is the big moment when you want to pile into gold.  If you don’t have any gold, you should have at least 10% always.  That’s your base level. . . . Hard assets will go through the roof.”  > [*^Greg ^Hunter*](https://www.youtube.com/channel/UCG-G8LLr38fQUNZU8K0t-EA) ^in ^News ^& ^Politics  >*^47,716 ^views ^since ^Jul ^2017*  [^bot ^info](/r/youtubefactsbot/wiki/index)


"They understand inflation perfectly.  Their owners/member banks own the mortgages, auto loans, business loans, student loans, etc, and, of course all the collateral on unpaid debts.   Inflation is I their best interests.  They aren't in the money game, they are in the capitol game. The fed it's self is in the business of creating inflation and debt.  While the fed, it's self won't capitolise on bad loans, they are happy to do whatever quantitative easing they can to bail out their member banks (who never needed bailing out, as it was their customers, not them, who lost out)...     One of the men behind the founding of/ the principal of the federal reserve/privatized Nation banking, Mayer Amschel Rothschild said ""give me control of a country's money source, and  I care not who makes it's rules"".  The federal Reserve is doing a shitty job by way of we the people, because it was set up specifically to help a small number roof people to plunder our economy.   They built it to create an entire nation of debt slaves... What it needs is to be burned to the ground, and the authority to issue currency be places back into the hands of the legislators- as the Constitution specifies exactly to prevent private interests from doing what they're doing/have done...   The Constitution also doesn't allow for a federal income tax, which was levied the same year that the fed. Was instituted- 1913."


"Good.  I had an internship I HATED!  And you know what?  For damn good reason!  My ""Professor,"" the person that oversees the internship, noticed how much I hated that shit and changed my internship.  I didn't even make it to the end, I hated it so much.  I thought I was going to suffocate.  Conclusion:  There is a reason you hate this shit!"


If you don't pull the money out of an IRA or 401(k) until you hit retirement age, there are no tax consequences at all. No matter how you invest or ignore it, it won't affect your return. Same for a Roth IRA, unless you move money out of the account before age 59 ½ it's essentially invisible to the IRS. (Because some of a Roth has already had taxes paid, the rules are more complicated if you do pull out the money, whereas the others are just a straight tax penalty with few exceptions.)


“CEOs who recognize their lack of capital-allocation skills (which not all do) will often try to compensate by turning to their staffs, management consultants, or investment bankers. Charlie and I have frequently observed the consequences of such ‘help.’ On balance, we feel it is more likely to accentuate the capital-allocation problem than to solve it.” -- [Warren Buffet](http://www.fool.com.au/2013/08/28/warren-buffett-sage-for-the-ages/)


"S-Corp are taxed very different. Unlike LLC where you just add the profit to your income with S-Corp you have to pay yourself a ""reasonable"" salary (on w-2) which of course is a lot more paperwork. I think the advantage (but don't hold me accountable for this) is if your S-Corp makes a lot more than a reasonable salary, then the rest of the money can be passed through on your personal return at a lower (corp) rate."


I think women are at risk from it because they have a need to become self employed not a want. If you don't have a rich husband you have a choice between  going back to work after your maternity leave (if you're in a country which will give you one) or being on single mom benefits. Neither are appealing. I'm self employed which means I can spend time with my baby and have money. People probably assume it's because I am part of a mlm scheme too!   In my opinion mlms usually target women because of this.


Wow great information. I spend around $200 a year + solution. I'll definitely be giving these guys a try when I run out of my contacts. Thank you for posting..if these are comfortable for me I'll be saving a good $100 a year at least.  :)


I am using the term homework generically to mean anything that is a part of school work that you should be working on independently.   You can see if the people at r/investing or r/finance will answer your question


"My problem with their Words with Friends app was, every time I opened it, it said, ""We noticed you're not logged in. Wanna do it?"" The reason I purchased it was to avoid being bothered by ads, and yet I still got, ostensibly, a Facebook ad each and every time, which slowed the launch to a crawl. They couldn't have been happy enough, I guess, just with whatever data they were extracting. Sadly, my friends now think I am not using it because I was losing to them, but that's why they shed me, at least."


"Is productivity the ultimate measure of success? I know it is when it comes to competition, but fuck, extrapolate out this ""progress"" and realize that in some not so distant futurethere will be little need for any ""manual"" jobs, and even some ""high tech"" or ""complicated"" jobs will probably be able to be automated by then. What will we do? Unemployment is such a concern now, and unfortunatley, keeping unemployment low is directly at odds with increasing productivity."


Alphabet has about 40% on shore or 60%.   I know it is 60/40 but forget which way.    So way, way more than they really need.  What Apple does is borrow against the offshore money when needed,   Apple now has over $90b in debt and Google less than $4b.   So Google would not have any problem.


Well, I was actually just looking at my own 10-yr old. She does dance/ballet all year round and golf/tennis in the summer. Just the shoes, costumes, clubs, etc. run to about 1k. One dance lesson per week is about 1K/year (she does three). And summer golf/tennis lessons plus memberships about 1K.  soccer and baseball are cheaper. but hockey is significantly more expensive - and you have to travel a lot all year round.


"Self directed IRAs have rules to prevent self-dealing of this sort called ""prohibited transactions"". You can't buy or sell or lease assets or obtain services from anyone closely linked to you or any beneficiaries of the IRA. You can't loan yourself money from the IRA, and you can't deliberately take the proceeds that should be going to your self directed IRA and give them to another account that you own."


LOL!!!!! Another clueless Trump hater.  I will ask again:  > **What does Trump has to do with failing of OBAMA(!!!!)care?**  Those issues just started when Trump became a president?  > Trump is a shit negotiator,   Sure! Obama did a great job negotiating Obamacare.  **Let's do this: we will wait for the fixes done by Trump to this failed Obamacare, and we will talk after that?** Ok?  > Trump is creating a lot of jobs in criminal defense legal service  LOL!!!!!! LOL!!!!!  Trump is not under a single investigation, while Hillary was and is under several investigations.  Trump is a winner, and liberals like you are losers!!!!


I don't know the legal framework for RSUs, so I'm not sure what is mandatory and what is chosen by the company issuing them. I recently reviewed one companies offering and it basically looked like a flat purchase of stock on the VEST date. So even if I got a zillion shares for $1 GRANTED to me, if it was 100 shares that vested at $100 on the 1st, then I would owe tax on the market value on the day of vest. Further, the company would withhold 25% of the VEST for federal taxes and 10% for state taxes, if I lived in a state with income tax. The withholding rate was flat, regardless of what my actual tax rate was. Capital gains on the change from the market value on the VEST date was calculated as short-term or long-term based on the time since the VEST date. So if my 100 shares went up to $120, I would pay the $20 difference as short term or long term based on how long I had owned them since the VEST. That said, I don't know if this is universal. Your HR folks should be able to help answer at least some of these questions, though I know their favorite response when they don't know is that you should consult a tax professional. Good luck.


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Stay out of the big four banks and pick an online bank.  Most online banks don't have fees for incoming wire.  Ally and Capital One 360 to name a few. You can also try credit unions.  DCU doesn't charge any fees for incoming wire.  Alliant Credit Union doesn't charge fees for incoming wires. USAA too doesn't charge a fee.


I could find just as many links (far, far more, in fact) about deception from the conventional food industry. People who get so angry at WF while giving the conventional food industry a pass are not using reason, though they like to think they are.


>I would imagine that given any lack of compulsory regulation, that Americans are using whatever means of payment that suits them.  I'd agree, it's almost entirely about competition and consumer protections in areas like banking outside of the US rather than compulsory regulation pushing people to use particular approaches.  I run a company in the UK, processing cheques is expensive and awkward (its a manual process, it costs money at basically all points of the process and is more likely to result in a failed payment) for me compared to almost every other method of payment, so I prefer (and actively encourage) the use of electronic payments instead.  I can do that because my bank doesn't charge extra for processing electronic payments, in fact it's now cheaper to process them than cheques. That also makes sense from the banks perspective given it costs more money for them to maintain, offer and process cheque payments (to the point that they are already essentially converting them into electronic payments by scanning..).   It's not Americans being backward, it's US banks.  I doubt that if you had safe, secure, cheap and reliable electronic payment facilities, with the same level of protection and control as with a cheque, most Americans would take the same approach as they do elsewhere (After all, its convenient..).


"You are probably going to hate my answer, but... If there was an easy way to ID stocks like FB that were going to do what FB did, then those stocks wouldn't exist and do that because they would be priced higher at the IPO. The fact is there is always some doubt, no one knows the future, and sometimes value only becomes clear with time. Everyone wants to buy a stock before it rises right? It will only be worth a rise if it makes more profit though, and once it is established as making more profit the price will be already up, because why wouldn't it be? That means to buy a real winner you have to buy before it is completely obvious to everyone that it is going to make more profit in the future, and that means stock prices trade at speculative prices, based on expected future performance, not current or past performance. Now I'm not saying past and future performance has nothing in common, but there is a reason that a thousand financially oriented websites quote a disclaimer like ""past performance is not necessarily a guide to future performance"". Now maybe this is sort of obvious, but looking at your image, excluding things like market capital that you've not restricted, the PE ratio is based on CURRENT price and PAST earnings, the dividend yield is based on PAST publications of what the dividend will be and CURRENT price, the price to book is based on PAST publication of the company balance sheet and CURRENT price, the EPS is based on PAST earnings and the published number of shares, and the ROI and net profit margin in based on published PAST profits and earnings and costs and number of shares. So it must be understood that every criteria chosen is PAST data that analysts have been looking at for a lot longer than you have with a lot more additional information and experience with it. The only information that is even CURRENT is the price. Thus, my ultimate conclusive point is, you can't based your stock picks on criteria like this because it's based on past information and current stock price, and the current stock price is based on the markets opinion of relative future performance. The only way to make a good stock pick is understand the business, understand its market, and possibly understand world economics as it pertains to that market and business. You can use various criteria as an initial filter to find companies and investigate them, but which criteria you use is entirely your preference. You might invest only in profitable companies (ones that make money and probably pay regular dividends), thus excluding something like an oil exploration company, which will just lose money, and lose it, and lose some more, forever... unless it hits the jackpot, in which case you might suddenly find yourself sitting on a huge profit. It's a question of risk and preference. Regarding your concern for false data. Google defines the Return on investment (TTM) (%) as: Trailing twelve month Income after taxes divided by the average (Total Long-Term Debt + Long-Term Liabilities + Shareholders Equity), expressed as a percentage. If you really think they have it wrong you could contact them, but it's probably correct for whatever past data or last annual financial results it's based on."


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"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-09-29/who-s-left-out-of-401-k-nation) reduced by 50%. (I'm a bot) ***** > Only 45 percent of U.S. workers participate in an employer-sponsored retirement plan, according to the Pew Charitable Trusts.  > Groups with the highest percentages of workers without access to a plan:Part-Timers: 56 percent, vs. 31 percent of full-timers without accessHispanics: 55 percent, vs. 32 percent for whites and 36 percent for blacksMillennials: 45 percent, vs. 30 percent of baby boomers and 35 percent of Gen Xers.  > The Oregon IRA● OregonSaves starts on Oct. 15, initially targeting workers at 2,100 of the state&#039;s largest employers● Workers will save 5 percent of their incomes unless they opt out or adjust the percentage● About 200,000 self-employed workers will have the option to enroll by the end of 2018● 77 percent of workers who participated in a pilot program are opting to remain enrolled.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/73d3r4/whos_left_out_of_401k_nation/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~219383 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*: **percent**^#1 **workers**^#2 **plan**^#3 **retirement**^#4 **employer**^#5"


Well, fine, if people are unwilling to buy then Argentina will have dug their own grave. It doesn't mean they shouldn't be allowed to try.   edit: I didn't say no one would be willing to lose more money. I said Argentina would likely have to pay a lot for the high risk.


> should be made negligible  They shouldn't be given more or special treatment because of where or how they live either or because their outdated industry is no longer in existence. As it is currently they have more of a say politically than their population warrants and are therefore controlling more of our government than they should and it's to the their own and our country's detriment. Should WY, MO, ND, SD with 4 -6 people per square mile have the same say as CA, NY, TX, GA, PA? I don't think they should.


"Say you have $15,000 of capital to invest. You want to put the majority of your capital into low risk investments that will yield positive gains over the course of your working career.  $5,000: Government bonds and mutual funds, split how you want.  $9,500: Low risk, trusted companies with positive historical growth. If the stock market is very unfamiliar for you, I recommend Google Finance, Yahoo Finance, and Zack's to learn about smart investments you can make. You can also research the investments that hedge fund managers and top investors are making. Google ""Warren Buffett or Carl Icahn portfolio"", and this will give you an idea of stocks you can put your money into. Do not leave your money into a certain company for more than 25 years. Rebalance your portfolio and take the gains when you feel you need them. You have no idea when to take your profits now, but 5 years from now, you will be a smart and experienced investor. A safe investment strategy to start is to put your money into an ETF that mimics the S&P 500. Over the past 20 years, the S&P 500 has yielded gains of about 270%. During the financial crisis a few years back, the S&P 500 had lost over 50% of its value when it reached its low point. However, from when it hit rock bottom in 2009, it has had as high percentage gains in six years as it did in 12 years from 1995 to 2007, which about 200%. The market is very strong and will treat your money well if you invest wisely. $500: Medium - High risk Speculative Stocks There is a reason this category accounts for only approximately 3% of your portfolio. This may take some research on the weekend, but the returns that may result can be extraordinary. Speculative companies are often innovative, low priced stocks that see high volatility, gains or losses of more than 10% over a single month. The likelihood of your $500 investment being completely evaporated is very slim, but if you lose $300 here, the thousands invested in the S&P 500, low risk stocks, government bonds, and mutual funds will more than recuperate the losses.  If your pick is a winner, however, expect that the $500 investment could easily double, triple, or gain even more in a single year or over the course of just a few, perhaps, 2-4 years will see a very large return. I hope this advice helps and happy investing! Sending your money to smart investments is the key to financial security, freedom, and later, a comfortable retirement. Good luck, Matt McLaughlin"


The best option for maximizing your money long-term is to contribute to the 401(k) offered by your employer. If you park your inheritance in a savings account you can draw on it to augment your income while you max out your contributions to the 401(k). You will get whatever the employer matches right off the bat and your gains are tax deferred. In essence you will be putting your inheritance into the 401(k) and forcing your employer to match at whatever rate they do. So if your employer matches at 50 cents on the dollar you will turn your 50 thousand into 75 thousand.


What you do is you create an infomercial where you sell a booklet about junk investments that you are absolutely certian may survive an end of the world scenerio.  Then you sell that booklet to people who fear for their family.  It is basically a tax on stupidity but works because it prays on the fears of the stupid.  It requires moral bankruptcy, but you can end up with quite a bit of money... of course if the Euro does crash then you have a lot of worthless money.


Except automation produces an increase in productivity through better leveraging of capital. In the past, increases in productivity were often seen through better leveraging of the workforce. When it's better leveraging of the workforce that drives the increased productivity, you pay the workforce better. When it's better leveraging of capital, you pay the capital (investors) and the managers of that capital better.  Also, it's hard to say that the middle class has been in decline. The wealth gap between the middle class and the upper class has been growing, but overall the middle class is better off now than at past points in history. The same can be said of the bottom rungs. Access to health care, good food, information, air conditioning, etc is better now than at any point in the past.


Since you acknowledge that you legitimately owe this money and the debts are relatively small, you should pay them without trying to settle for less.  Don't bother with a consolidation loan for these. The loan, if you can get approved, would be more trouble than it is worth, at the time frame you are looking at.  Just pay these off in full as fast as you can. Once you do that, your credit will start to heal.  Get a written statement from the collectors to ensure that you and they are in agreement on exactly how much you owe. When you pay them, don't pay electronically; use a check. (Debt collectors have been known to clean out bank accounts if you set up an electronic payment.) After you've cleaned these up, I would encourage you to aggressively tackle your student loans and any other debt you have. Now, when you are starting your career, is the time to dig yourself out of the hole and eliminate your debt. This will set you up for success in the future.


Weather events and aging infrastructure.  Cash will buy gasoline, food and water when there is no power or telephone connectivity to process ATMs and credit cards.


Here is something I have always wondered. Companies are required to go public after they have a certain number of investors. Used to be 500 now 2000. Can a company that has been forced to go public, then be made private again? How?


Some banks give you an indemnity form that will allow them to clear the payment available in a different name. This is usually in case the name on the cheque is slightly misspelled. For example, color (American) could be spelt as colour (British). In India for example, names can often be spelt in multiple ways. the indeminity form is common place.


Intuit Quicken. Pros: Cons:


Paella is the most recognised and valued international Spanish dish. It receives its name from the ‘flat pan’ in which it is cooked. If you are thinking of throwing a paella party? Think of Vamos Paella. The oomph delivered by them into this great European rice dish reminds us exactly how good paella can be. A paella catering by them includes waiting and bar staff, linen, cutleries or any other hire that ensures your event goes smoothly. It’s a one stop solution for your paella party. w more about us here: http://paellacatering.jigsy.com/entries/general/let%E2%80%99s-talk-about-paella-party!


Thank you for that tip. I've not heard of that but will look into it. I am reading the Pumpkin Patch right now, and working in the Babson College program via Goldman Sach's 10,000 Small Business and it has me spinning on all the things to consider. Great learning experience thus far.


I don't trust his analysis.  Further, any composite measure that includes a Black Swan year is *at least potentially* misleading. 2009 was a once in multigenerations event unlikely to be repeated anytime soon.  Since Shiller uses a 10 year historical running average it includes 2009 and is therefore, IMO, unreliable. Making 2009 look even more like an aberration is that the hole had been filled and then some in under 4 years.


"Actually, I'm less of a fan of the American tax and hyper-spend system than I am of Burger King.  I'm MORE likely to go to Burger King based on this news.  Dutifully paying your taxes without question is the most immoral activity you can engage in.  I worked for/with the government for 20 years and the amount of waste and fraud is absolutely appalling.  ""Close enough for government work"" is no longer a joke, it's become a disgusting mantra.  Every government ""worker"" is defrauding you every day they go to work and do 5 minutes of actual work then spend the rest of the time surfing the web and socializing.  It's sickening.  Hurray for Burger King!"


"One of the factors of a credit score is the ""length of time revolving accounts have been established"". Having a credit card with any line of credit will help in this regard. The account will age regardless of your use or utilization. If you are having issues with credit limits and no credit history, you may have trouble getting financing for the purchase. You should be sure you're approved for financing, and not just that the financing option is ""available"" (potentially with the caveat of ""for well qualified borrowers""). Generally, if you've gotten approved for financing, that will come in the form of another credit card account (many contracting and plumbing companies will do this in hopes you will use the card for future purchases) or a bank loan account (more common for auto and home loans). With the credit card account, you might be able to perform a balance transfer, but there are usually fees associated with that. For bank loan accounts, you probably can't pay that off with a credit card. You'll need to transfer money to the account via ACH or send in a check. In short: I wouldn't bet on paying with your current credit card to get any benefit. IANAL. Utilizing promotional offers, whether interest-free for __ months, no balance transfer fees, or whatever, and passing your debt around is not illegal, not fraudulent, and in many cases advised (this is a link), though that is more for people to distribute utilization across multiple cards, and to minimize interest accrued. Many people, myself included, use a credit card for purchasing EVERYTHING, then pay it off in full every month (or sometimes immediately) to reap the benefit of cash back rewards and other cardholder benefits. I've also made a major payment (tuition, actually) on a Discover card, and opened up a new Visa card with 18-months of no interest and no balance transfer fees to let the bill sit for 12 months while I finished school and got a job."


You would need to look at all aspects: - Current Rate of Interest in US compare to China - Current Exchange rate and the rate in Future when you want the money back - Any tax / Regulatory implications of keeping the money in US - Any furture regulations that may hamper your access to these funds   If you are planning to stay in China and at some point in time want to get the money back, In my opinion it would make more sense to do it today like you are doing, rather than take the risk of exchange rate and regulations. Further the current low risk returns in US are near zero. The inflation in US is of no concern to you. On the other hand you have a decent return in China.     If you know that at some point in future you would need USD [either moving to US, or large purchase in USD], then it would make sense to keep the funds in USD.


Thanks for all the cliches about how I'm a hate filled person, because I think people should live in reality over demanding high pay for skills that are one microchip away from being replaced. When in doubt, pretend the person you're talking to is filled with hate and make a condescending comment about how you hope they'll find Jesus...er...I mean liberalism.


How often do you leave with less than 40 hours?  I've never worked in the US but in Ca, UK, and Au if I had to work an extra hour over my regular time(usually 37.5 not 40) I took 1.5-2 off depending on my position.  If I was on call regularly I came in late too if I was called or not.


"> ""No action is not an alternative,"" McConnell was quoted as saying. ""We've got the insurance markets imploding all over the country, including in this state.""  Except that Republicans are actively sabotaging Obamacare.  [Trump has made it clear the mandate will not be enforced](https://www.washingtonpost.com/politics/trump-signs-executive-order-that-could-lift-affordable-care-acts-individual-mandate/2017/01/20/8c99e35e-df70-11e6-b2cf-b67fe3285cbc_story.html?utm_term=.11771cb5ed77).  [With no mandate, healthy people drop from the program and premiums increase](https://www.bloomberg.com/news/articles/2017-05-09/obamacare-premiums-rise-as-insurers-fret-over-law-s-shaky-future).  > ""If my side is unable to agree on an adequate replacement, then some kind of action with regard to the private health insurance market must occur...""  I think Democrats should consider help after Republicans do three things:  1) Take steps to implement the law as it was passed.  Until Republicans take ownership of the law, they will just sabotage it again and blame Democrats.  2) Officially admit that [the ACA was a compromise bill agreed upon by Democrats and Republicans over 31 meetings in the Senate Finance Committee](https://web.archive.org/web/20130111185729/http://www.finance.senate.gov/hearings/index.cfm?PageNum_rs=1&maxrows=100).  The Republican opposition has been mainly political theater to deny a Democrat president a victory.  3) Senator McConnell himself must apologize for refusing to bring a vote on President Obama's Supreme Court nomination to the floor effectively stealing a Supreme Court seat.  To make things right again, he should agree Democrats should block every Republican Supreme Court nomination until the balance is restored.  Until I see these things, I have no reason to believe this suggestion of bipartisanship from Republicans is nothing more than an attempt to trick Democrats to not be as destructive and selfish as they have been for the past eight years."


"Not everyone pays their balance in full every month. They may not make interest off of you or me but they do make interest off of a lot of cardholders. In many cases, the interest is variable and the larger your (running) balance, the higher your rate. If you're close to your limit and making minimum payments, you can literally take decades to pay off $2,000 or so.  Some people don't pay at all every month and end up paying late fees. Some people use their cards overseas and pay foreign transaction fees. Ever take a cash advance? Me neither but they charge you interest right away for that instead of waiting until your statement. The list of fees and charges is as long as my arm and in tiny print. That's how they make money. The points/bonus/cash back and other rewards programs are to get you in the door. It's like when you see a luxury car advertised for a ""too good to be true"" price and you get to the lot and find out that the one they are selling for that price is a manual transmission without AC or a radio, they only had one and they sold it an hour before you got there. It got you on the lot though. The rewards programs function in much the same way (minus the disappearing part), they get you interested in their offering among a sea of virtually identical products but rest assured, if the card issuers were losing money because of them, they wouldn't exist for very long."


Yeah from what I've read, Facebook is pilling up the profits so they could be in very good position to do the RA as well.   Its crazy if you think about the Google one.. At least $100m more went to the shareholders due to the different fee structure. Why wouldn't you do that if you had the option?


Think about the credit card business model... they have two revenue generators: interest and fees from borrowers and commissions and fees to merchants. The key to a successful credit card is to both sign up lots of borrowers AND lots of merchants. Credit card fortunes have improved dramatically since the 1990's when formerly off-limits merchants like grocery stores began to accept cards. So when a credit card lets you just pull cash out of any ATM, there are a few costs they need to account for when pricing the cost for such a service: Credit card banks have managed to make cash advances both a profit center and a self-serving perk. Knowing that you can always draw upon your credit line for an emergency when cash is necessary makes you less likely to actually carry cash and more likely to just rely on your credit card.


"I use ""Money Manager Ex"" which is a Windows application I use on PC to log my transactions and for simple statistic. They have two versions, simple standlone application and self-hosted web app."


"I struggled with this one at first.   It's easiest if you temporarily ignore the mathematical machinery of martingales and go back to the derivation that Black and Scholes provide in their 1973 paper. They basically show that when you construct a portfolio consisting of a long position in the option (the one being priced) and a short position on the replicating portfolio (consisting of shares of stock and cash in the risk-free bank account), then that portfolio will be entirely risk-less, and hence will earn the risk-free rate of interest. This makes intuitive sense if you think about it - every change in the value of the option is going to be countered by an opposite change in the replicating portfolio; by no arbitrage, that composite portfolio (the option + the replicating portfolio) must therefore earn the risk-free rate.   The fact that the composite portfolio earns the risk-free rate provides the connection to martingale pricing.   Recall that a martingale is basically* a stochastic process that has no drift, only volatility. Here, it's useful to think of the drift as being the ""risk  premium"" or ""return"" of a particular asset (like the stock).   What martingale pricing theory says is that to find the price of the option we (1) discount the value of the replicating portfolio by the cash bond (the numeraire asset), and (2) turn the stochastic process of the risky asset in the replicating portfolio into a martingale. This move intuitively makes sense because the Black-Scholes derivation shows that the replicating portfolio + the option must earn the risk-free rate, but if you divide the value of the Black-Scholes replicating portfolio by the numeraire asset, you're going to cancel out that risk-free rate -- e.g. have a Martingale.  (I'm not a mathematician, so please correct me if I've mucked something up in my explanation).   *I say basically because there are some technical conditions that need to be fulfilled, but that's generally true."


I believe the insurance you are talking about is the type of insurance that makes your payment in the event you can't pay due to some specific reasons. These types of insurance are profit centers for the credit card companies and are generally not worth it for the consumer.    You are better off picking the best credit card that meets your needs and then finding your insurance needs separately.    Typically, the best credit card payment insurance plan is to not carry a balance and have a reasonable emergency fund.   Putting the money that would have gone to insurance towards those two goals will likely help you more than paying for the credit card insurance policy.


>At 15K per year for the 40+ years of work from 22 or so to 65, it will be 600K.   Hah. You can't take nominal terms like that. Even if you take just inflation at say, 2% a year, and a modest required rate of return of 8%, the present value of 15K a year for 40 years is 146,685. So basically if you expect to get only 15K a year more for the next 40 years, you can only afford to pay 146,685 dollars for tuition + forgone income today. That's just to break you even. And many people invest much more than that.


Yes. I am in favour of democracy and a small state and help to those that truly need it like the handicapped, poor children, and disaster victims. However, if you do not reward work, savings, and investments - the only way to get people to actually behave sensibly and do the boring tasks needing to maintain and improve standards of living, is by punishing those that do not work - like they do in socialist states.


Hey, I suggest you check this place out: http://www.investopedia.com/university/  You can start from there and then read through the things you don't know about and move on from there. When using youtube, search for specific things rather than a general/broad search. For example here's a good youtube video relating to Candlestick Breakout Patterns: https://youtu.be/1fB3EF7XeXU


That wasn't my argument. Everybody is upset that they are so much faster and lower latency than everywhere else and that nobody else can afford it. However this misses the point that these faster speeds only affect HFT fighting HFT. HFT practitioners were already running successful strategies on the same links as the regular institutional investors; the arms race began when more HFT players entered the market and the game became saturated. It's now very hard to make money in HFT as a result of the heavy competition.


While technically true, a card issuer can cancel your card for almost any reason they want, it's highly unlikely they'll cancel it because you pay your bills! There are many, many people out there that pay their bills in full every month without ever paying a cent in credit card interest. I wouldn't ever purposefully incur any interest on a credit card. Related anecdote: I used to have a credit card that I only used for gas purchases because they gave 5% off for fuel. The issuer eventually discontinued the program (I assume because people like me took advantage of it.) So while they didn't cancel my card, the bonus eventually went away. I miss that card. My conclusion: if you can take advantage of promotional rates, by all means, go for it. You don't owe them any favors. Enjoy it as long as it lasts.


> In a way this stuff has been boiling up over the last 20 years as the country has adopted this Ayn Rand style of wealth sycophantism/worship  Apparently cozying up with government officials to achieve a desired regulatory outcome is  Ayn Rand style libertarian-ism.


The issue is that housing price increases can't sustain themselves indefinitely, in comparison to the rental market. Increases drive people back to the rental market, which brings the rental market up.  Also, just as a AirBnB would drive property prices to go up, it also allows people who would otherwise not be able to buy a house to make the house purchase. Example - Loftium is a mortgage lender that will give you a cheaper loan if you put your house on AirBnB. That enables people to purchase a home when they otherwise wouldn't be able to. So over time (many years), the market should work itself out.  In the short term, AirBnB can definitely cause market fluctuations. For example, it might enable people to continue to own their homes during a depression, which would cause a supply shortage.   The only factor that affects ownership prices differently than rental prices in the long term would be regulation. Here's a [good article](http://www.sightline.org/2017/08/14/why-seattle-builds-apartments-but-vancouver-bc-builds-condos/) about that aspect specifically.


No, it's not.  This could be a great question, but with no background, not so much. Do you live there now? For how long, and how much longer? You say investment, are you looking to live in it or rent it out?  I have nothing against China, but I'd not buy anywhere unless the price, location, and timing all were right.


Ok, few things to understand first: Secondly, think about the way a scam usually flows. A person (scammer) with an actual bank account with money issues a valid cashiers check, trick someone else (victim) into receiving it (typically in exchange for a percent) and passing along a portion to another account (back to the scammer). The scammer then reports the first transaction as fraudulent and the bank takes back that transaction. Now the victim is stuck with the second transaction, and without the funds from the first. Meanwhile the scammer has both the original funds and the percentage from the second one. In a way they're attractive for scammers because they're so trusted.


Well I'd consider Citadel Securities a prop shop and all the others besides for bridgewater prop shops as well. And I do work FO,thanks for the appreciation, but was hired there after 3 years of trading experience.   I guess it depends on what you are comparing the loads of kids hired to because I really can't think of many professions, especially in finance, that have less kids hired straight out of undergrad.   And Evercore and Laz are making over 100k but bottom bucket at JPM and GS did not make all in salary over 100k this year.


"Especially for people just starting out, without much reserve, the biggest concern is the rhythm of their expenses and income. If you're paid every two weeks, but your rent, car loan, and other ""big rocks"" are due once a month, then there are two paycheques a year that no-one has a claim on. Depending on your spending style, these can go into savings (yay!) or be spent on the spot and ""wasted"" (boo!).  Of course, you can get your mortgage set to every two weeks, and typically the bank will do that at the ""half your monthly payment"" level. If you're paid every two weeks, you won't feel any pain from this, but are making extra payments every year and getting out of the mortgage faster. The time-value-of-money part has a small impact. The emotional part and fooling yourself into saving, or paying things off faster, has a bigger one."


While everything can be fixed in the end, and you can usually get all your money back, recovering from identity theft can take months or years. In the meantime, these are some of the things which you might not be able to do: In addition, you could face the following events: For all that, checking your credit report / score once or twice a year is probably enough.  If you're planning on a major purchase, though, you should get a copy of your full credit report from all three major bureaus (Equifax, Transunion and Experian) a few months ahead of time.  Even if everything on them is kosher, having that information on hand will give you a leg up when you go for financing.


A friend from Shell (Indian by blood/South African by nationality) told me a couple of months ago that China, India, and Russia had a long term plan cooking to run crude through to China from Russia; thence to India via pipeline. This is a real showstopper deal. When I looked it up online, there is evidence it is coming.   Who knew about the big gas deal with China? Who knew about this one with Iran?  Carnegie.ru (Dmitri Simes) says this whole thing is about control of and regime change of Russia by the US through State Department policy. Notsomuch Ukraine as Russia!  Given the US' record with regime changes, if Carnegie is right, this is a huge FAIL. DOOMED!!


"Just a real-world counterpoint, in the UK, we negotiate the ""before tax"" salary as some number of pounds per period of time. Out of this amount, income tax is typically deducted and this calculation is quoted on the payslip. (Like most of the rest of the world.) However, there's another grade of income tax called ""Employer’s National Insurance"". This is calculated just like the other forms of income tax, paid by the employer directly, but the employee never sees this on their payslip and it is not part of the negotiated salary. https://www.gov.uk/national-insurance-rates-letters/contribution-rates So say you're an employer and you've budgeted £1000/month for a potential employee's salary. You'd have to offer that person £878.73/month salary to bring the amount you'd actually be paying to the £1000 you've budgeted. Why they do this, I have no idea. https://politics.stackexchange.com/questions/4917/what-is-the-rationale-for-employers-national-insurance-in-the-uk"


"I think this can be answered by answering the question ""Who buys 10 year old cars?"".  Generally speaking those buyers are very price conscious.  They are looking to save money on transportation rather than following the herd of people participating in the car payments merry-go-round.   The cost of parts, repairs, and gasoline for those cars do not go down over time.  Remember that many of those cars require the use of premium gasoline.  This drastically reduces demand for those vehicles, thus lowers the price. Luckily I have a really good and reasonable mechanic near me, and I can float repairs and the higher gas.  I love driving my 1999 Mercedes and it is one of the least expensive cars that I have owned while also being one of the most comfortable."


Mention your computer skills, organizational abilities, talk about the stress of waitressing and how you manage to stay cool and balance numerous tasks.   Talk about how you never forget small details, how you cqn juggle a lot of thoughts and stay organized. Reiterate your computer skills.  Mention any future finance coursework you may want to take.  And keep in mind he may very well be hoping you'll fuck him. Ive known a couple women who got into this exact situation, nothing too forward from the guy but when they were all professional they stopped getting hours.