Here's the 2009-2014 return of the S&P 500 (SPY) vs. Vanguard FTSE ex-US (VEU) (higher returns bolded) Another argument for them is their low correlation to U.S stocks.   Looking at history however, I don't see it. Most times U.S stocks have   done badly, foreign stocks have also done badly. Looking at the last 6 years (and current YTD), 1 in 3 years have international stocks doing better.    I invest a portion of my investments in international because they aren't well correlated.


That's a rearrangement of the fisher equation; which is the correct way to determine real rates.  However, people often use the approximation real ≈ nominal - inflation; and if you're doing this for homework on software that is looking for exactly 1 numerical answer, they may be expecting you to use that instead.  Real interest rate is less formal nomenclature and refers to using the approximation.  Inflation-adjusted return is the equation.   In the real world you will use the approximation when you're figuring out a real rate while you're talking mid-sentence during a meeting; and use the equation in spreadsheets/calculations.


You'll almost never be able to patent an app idea. When it comes to software you almost always just have to accept that others are going to be able to copy your idea, so to protect your business you have to do it either a) First, and well enough to lock in a first mover advantage or b) Better than others can  You haven't said if you're a coder or not, but generally if you can develop a MVP version of it before going to Kickstarter, that's much, much better. Almost no one is going to back a Kickstarter that just has an app idea.  After that, learn as much as you can about online marketing. Don't assume that just because you have a good idea the app will take off. Getting users is hard, very hard.


"Mergers do not go through if it's likely to grant monopoly power to the combined corporation. Ever heard of the SEC?  Also, let's indeed use words like ""synergies"" because they accurately describe the topic at hand. The word isn't overly corporate and even if it was, fuck you, I can say what I want on Reddit."


It's a race to the bottom. Use raising debt ceiling will mean moe helicopter money. Euro is also buying bonds. Uk is idiots having no clue what they're doing so it's also going down. You just have to spread risk to fight inflation and avoid a crash if it happens


"Again:  > Go ahead and show me one article or picture of ""Palestinians"" dying of thirst or untreated diseases.  Please!!!!!!  > Back to ""Palestine"", a short real true and verifiable historical summary: There was never ever a country or nation of ""Palestine"". The only reason we hear about ""Palestine"" and ""Palestinians"" today is because in 1967 Israel liberated the local Arabs from a 1948 occupation(!!!!!) by Egypt and Jordan of land given to them by the UN, for which Israel agreed to. If the 1967 events never happened, you would not hear today about ""Palestine"" and ""Palestinians"". True or false?  > So, Israel never wanted to be a ""Greater Israel"" to rule over millions of additional Arabs as part of its democracy or ""occupation"" - more Arabs than Jews!!!! Israel is not that dumb. True or false?  > The blockade is actually by Egypt and Israel. Check the map! Egypt has a lllllooooonnngggg border with Gaza. True or false?  > The local Arabs can have a ""Palestine"" for themselves already in 1948 (if they agreed to the UN partition plan) or 1967 after they were liberated by Israel. Israel has only one condition, in 1948 and in 1967, for a ""Palestine"": that ""Palestine"" needs to be a nice neighbor to Israel. They don't want to be nice, so no ""Palestine"" until they grow up. True or false?"


"Certain brokers allow for hidden orders to be placed in the market. It is as simple as that. Refer to Interactive Brokers as one example. If you press on the "" i "" next to ""Hidden"" you will get the following description.  Some brokers may represent the hidden orders by an * next to the price level. Sometimes large orders are place as these hidden orders to avoid large movements in the stock price (especially if the stock is illiquid as per your observation)."


Banks calculate the total they can present to you chiefly on your net review earnings. They get into explanation their preceding experience and your present track record which would point to whether you have taken any other loan or you have had a awful credit history and effects like your investments history and your existing investments before making a choice as to how much they will lend to you.


Once an animal is given antibiotics, for any reason, it will no longer qualify as organic under USDA guidelines. So organic farmers may use antibiotics on an animal, but then they can't sell that meat to Chipotle, or label it as organic.


Sensationalist much? The economy has picked back up, people are optimistic about the future, more secure with their jobs, and thus debts of all sorts should be increasing. The question is how much can be handled before collapse? Well, from this article's own admission default rates and delinquencies are at historic lows. The 1t in debt means nothing without the context.


Maintaining a healthy and hygienic routine during those down days is a core accountability of every girl out there. It will not only allow you to move freely and give you the feeling of security but also will create a good impression to the people around you.


You should be able to refinance the vehicle and have the financing in just your name (assuming you can secure the financing). Since you are already on the vehicle registration, this would not constitute a sale, and thus would not incur additional sales tax.  To remove the other person from the vehicle registration, leaving you as the sole registered owner, in the state of New York, you only need to file an MV-82. It will cost you $3. https://dmv.ny.gov/registration/register-vehicle-more-one-owner-or-registrant


>  I would have to spend at least a few more years in school rather than a single semester to get a comp sci major instead of the minor.  Exactly. And the benefits are priced appropriately. As in, you will get it off a minor about what you put in - not much.


The difference between a hobby and a business is income. Yes, every country I know of allows you to do something as a hobby until it becomes profitable and then change it into a business once it becomes likely to turn a profit. There's usually a limit in terms of how much profit or revenue you can make before it must be declared as business. I'm sure someone else will mention the exact numbers for the UK.


"The elephant in the room is the research. From the article it seems to conclude that the majority of the research happened in the US, but Microsoft is claiming it happened overseas.  From what I've seen a lot of *initial* research does happen in Microsoft international offices, all further development to bring it to market might be done in the US but the idea sprung elsewhere.   From a taxation perspective you can argue that the patent was invented offshore and profits should be allocated there, or you can argue that it was the US development investment that made it profitable and so profits should be allocated in the US. Both are right - and this makes the US so interesting to invest in.   If you invest in the US and then license offshore to sell back to a US entity - thats just exploiting a loophole. If it was invented offshore, thats what the laws are trying to protect.   Personally I think Microsoft is doing pretty well here, like the demo of translations from chinese sign language to english - MSR Asia invented it, but it will be US teams transform it to a feature that derives income. Where should it be taxed if it does become a real product? How many other areas of Windows, Visual Studio, Office, Azure were ""invented"" by non-US teams and should also be taxed offshore?"


They are only introducing downward pressure on prices to drive competition out of business.  Prime operates at a loss.  They've been vocal about this strategy: they plan to corner the ecommerce market, push competition out of business and then they'll inevitably raise prices.


"Chase allows you to take a picture of checks and deposit into your accounts (free for personal checking customers) works on iPhone + android Obviously, they have bill payment. You can ACH money to/from YOUR accounts at other banks. You get the benefit of finding a branch in many cities around the world. As for ""web interface that doesn't suck"", well... that's kinda personal. I think  it's not too bad."


Tidist, actually.  Millions of people in Bangladesh live less than three meters above sea level, and tides are rising.  Africa, too, but not so drastically.  *(By the way, not that it matters, but I was upvoting your prior comments)*


Ballmer appears to be way out of his depth at everything except maintaining key personal relationships, but I don't think anyone could have competed with Amazon, Apple or Google. They had very clear primary goals, and are driven by highly motivated and uniquely skilled people.  Still, Ballmer shouldn't be given a pass for all the own-goals, which all come back to MS culture, and a lack of vision and leadership.


"Wrong. Between Ford (1914) and FDR's Fair Labor Standards Act (1938) the middle class formed. Unions forming from textile plants pushed for what became the FLSA. The middle class didn't exist in any society prior to this. Unions pushed for the things that made modern society possible. The right has been conned into wanting to dismantle all of that even though the only people who would benefit are the top 1%. This is why the rest of us call you dupes or dummies.  Edit: A ""slow down"" is no shortage. You said it generally as well. There's no overall housing shortage."


"The truly fun part is that it's actually illegal for me to work more than I bill - it raises issues of liability, workman's comp, employment taxes, etc.   I've gone back and forth over fifteen years, but I am *done* with salaried work. Unless you're an executive with piles of stock options or in sales, ""salary"" just means ""please do lots of work for us for free."""


A value of zero or a negative value makes the percent change meaningless. Saying 100% when going from 0 to some other value is simply wrong. I have seen a similar situation several times when looking at a public company with a loss last quarter. On Google Finance or some other service, the PE ratio will be blank, N/A, or something like that. If the company does not currently have earnings, then the PE ratio is meaningless. Likewise, if the company previously did not have earnings, then the percent change of the earnings is meaningless. Also consider the example where the previous value was negative. If the previous value was negative 1 and the current value is positive 99, then this happens: A negative change? But the value went up! Obviously that value does not make sense and should not be shown.


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Thanks for the TL;DR. That article was definitely TL and if they want to rally people to their cause they really should distill that down to the basics. It sounds like a worthy cause and I'm trying to get on their side but really if then can't state their case more succinctly than that they're going to lose readership and support.


The P/E ratio is a measure of historic (the previous financial year) earnings against the current share price. If the P/E is high, this means that the market perceives a big increase in future earnings per share.  In other words, the perception is that this is a fast growing company.  Higher earnings may also equate to big increases in dividends and rapid expansion.  On the other hand, if the P/E is low, then there is a perception that either earnings per share are decreasing or that future growth in earnings is negligible.  In other words, low P/E equates to a perception of low future growth and therefore low prospects for future payout increases - possibly even decreases. The market is (rightly) usually willing to pay a premium for fast growing companies.


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There are several Excel spreadsheets for downloading stock quotes (from Yahoo Finance), and historical exchange rates at http://investexcel.net/financial-web-services-kb


This is normal with the dealer's financing.  To add more details to littleadv's answer, what happens is when you get the financing through the dealer, at first, they will try to do the loan on your behalf with local banks in your area. This is why you see several hard inquiries; one from each back. If none of these banks wants to take the loan, then dealer's financing entity will take the loan. This was my exact experience with Hyundai. In addition, don't get surprise if you start receiving letters saying that your loan was rejected. The dealer will send the loan requests simultaneously, and some of the banks might deny the loan. This also happened to me, and I have been owning my car for around a year. Still, make sure that the letters matches with the credit inquiries.


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Don't borrow money to buy a car. That is just stupid.  People who save, then buy what they want, spend a very much larger amount of money over their lifetime, compared to a person with the exact same income, who borrows to buy things.  The only difference between the two, is the time it takes to save up that first amount of money. After that there is no difference, except the savers spend a shit-ton more money, and get better stuff.


"The goal of the single-fund with a retirement date is that they do the rebalancing for you.   They have some set of magic ratios (specific to each fund) that go something like this: Note: I completely made up those numbers and asset mix. When you invest in the ""Mutual-Fund Super Account 2025 fund"" you get the benefit that in 2015 (10 years until retirement) they automatically change your asset mix and when you hit 2025, they do it again.   You can replace the functionality by being on top of your rebalancing. That being said, I don't think you need to exactly match the fund choices they provide, just research asset allocation strategies and remember to adjust them as you get closer to retirement."


Large and well-known companies are typically a good starting point. That doesn't mean that they are the best or even above average good, but at least they don't cheat you and run with your money. A core point is someone you pay, not the company whose investment he sell you. Although the latter seems cheaper on first glance, it isn't - if you pay him, his interest is to do good work for you; if they pay him, his interest is to sell you the product with the highest payment for him. That does not imply that they are all that way; it's just a risk. There are many good advisers that live from commissions, and still don't recommend you bad investments. Depending on the amounts, you could also read up a bit and open an account with a online investment company. It is discussable, but I think the cost for an adviser only starts to become worth it if you are deep into 5 digits of money.


Are you fucking kidding me?   You lack common sense and to be honest,  I have never have read anything so ridiculous.   You are saying that despite the fact that it is not only safer for pedestrians to use a consistent and well known area to walk,  specifically made and designated for pedestrians,  the US should just allow random chaos and let the streets be wildly unpredictable and open up every driver on the road to crippling lawsuits.    I can think of many reasons of why you lack any sort of logic,  but I just don't have the time to pick apart why this is the worst comment I have ever read on reddit.


"BEFORE you invest in a house, make sure you account for all the returns, risks and costs, and compare them to returns, risks and costs of other investments. If you invest 20% of a house's value in another investment, you would also expect a return. You also probably will not have the cost interest for the balance (80% of ???). I have heard people say ""If I have a rental property, I'm just throwing away money - I'll have nothing at the end"" - if you get an interest-only loan, the same will apply, if you pay off your mortgage, you're paying a lot more - you could save/invest the extra, and then you WILL have something at the end (+interest). If you want to compare renting and owning, count the interest against the rental incoming against lost revenue (for however much actual money you've invested so far) + interest.  I've done the sums here (renting vs. owning, which IS slightly different - e.g. my house will never be empty, I pay extra if I want a different house/location). Not counting for the up-front costs (real estate, mortgage establishment etc), and not accounting for house price fluctuations, I get about the same ""return"" on buying as investing at the bank. Houses do, of course, fluctuate, both up and down (risk!), usually up in the long term. On the other hand, many people do lose out big time - some friends of mine invested when the market was high (everyone was investing in houses), they paid off as much as they could, then the price dropped, and they panicked and sold for even less than they bought for. The same applies if, in your example, house prices drop too much, so you owe more than the house is worth - the bank may force you to sell (or offer your own house as collateral). Don't forget about the hidden costs - lawn mowing and snow shoveling were mentioned, insurance, maintenance, etc - and risks like fluctuating rental prices, bad tenants, tenants moving on (loss of incoming, cleaning expenses, tidying up the place etc)...."


I just applied to a position very similar if not the same as the one you mentioned. If given an interview I would want to know what to expect. I previously interned at Morgan Stanley. This new company is much smaller.  Is there any advice you could give me?


What is more practical for Finance, R or Python? I understand committing time to Python will mean I have a language that is versatile and useable across multiple areas of a business, and will give me skill that is alternative to finance, but is it a bit impractical if I don't ever see myself needing to develop software and would rather focus on data analysis which R is great for?  Edit: Also, I have done introductory R programming in university (It was a 1 semester course so not extensive). So it would be less time committed.


Yeah. CEOs that make $1/year aren't doing it as a labor of love. It's because they'd exceed a threshold (I think it's around $75k salary) that makes their capital gains taxes jump.  If they have a significant amount of money invested it costs them far more in taxes than their salary would otherwise be worth.


"Taxable fringe benefits are included in taxable wages for the purpose of FLSA. So when those executives get to use company cars or company jets that value is ""wage"" even if it isn't salary."


The number that really matters in this situation is your age of your longest account. Opening a new account is a good idea, but closing an old one may have an impact on your score if you have no other active accounts. If you have another card, or an overdraft line of credit or a car loan that is 4 or 5 years old, you won't see a big impact. I'd suggest calling the card company and asking them to waive the fee. They usually will. In the meantime, I would recommending having one card from each of the major networks. (MC, Visa, Discover, Amex) so you don't run into this again. Just don't open them all at once.


The first thing I did when I read this was compute how many people on just those two bus lines traveled on a yearly basis. It computes to about 0.02% chance of death when traveling by bus. Which is exactly the same as what the National Safety Council says your one-year odds of dying in a car accident is (1:6500)  Can we question the safety of our cars too?


This sounds a lot like numerous small-scale development efforts. They may work on some level, but rarely have an impact on the most significant cause of poor development -- corrupt politics.  In the end it will likely benefit a few people, and provide data for economists to pore over. Which is worth something, I suppose.


>But how often can you really do this?  Any time I'm at home and not watching with a big group, because no one I know texts me about sports.  If I have friends over I'll let it play in real time because the commercials give people a chance to talk about whatever is going on in the game without interrupting the action.


"For some states they give you a tax break when you make a deposit into the accounts.  The 11 year old is still 11 years away from college graduation, so the growth can be significant. The 15 year old will have most of their funds in safe investments to avoid a big drop just as the they need the money. many view the automatic adjustment in risk a benefit since if this wasn't in a ""529"" plan you would have tax issues when selling the investments during the shift."


Is the VAT scam still on the go? I was under the impression that amazon have to pay vat according to the country the items are shipped to, not shipped from? It will be a complete fuck up on the part of our politicians if this loophole has not been closed yet.


"Wiki's not entirely accurate.    My conspiracy theorist answer is because the Fed is not a government entity, it gives them increased flexibility with decreased transparency and the ability to do what is necessary to keep the currency/economy afloat under the fiat money system.  A good book I found on this is Ron Paul's ""End the Fed""."


According to Money Girl, home insurance premiums are higher if you have a poor credit score. You might self-insure though if you are wealthy.


It is possible but unlikely. Securities firms would prefer never to settle externally; rather, they prefer to wait until the liabilities can be netted.  They are forced to make and take payment in three business days. The reason why is because settlement is costly in the same way as any other business would prefer to build trade credit instead of taking or making payment rapidly. The only circumstance where a financial firm would wish to take full delivery is when a counterparty is no longer trusted to be solvent.


I would guess that before the spin-off, more money would be available In my experience the reverse is true. The finance folks go into overdrive tightening everything up so that budget forecasts for the transition period are as accurate and predictable as possible. This can be true 6 months out, 12 months out, etc - depending on the size and complexity of the business. So in terms of when to renegotiate, I think approaching the issue after the dust has settled is more realistic. Make sure you know your numbers as per normal and just remember that after the spin-off has occurred it's a business like any other business: if you are in position to negotiate (and reasonably expect) a raise then the fact that they spun off recently - a month or two before - is meaningless to the negotiation.


So the former CEO of American Airlines thinks employees shouldn't ever expect to do better than their competitors' employees and that it's their job to sit down and shut up while executives do whatever they think is best. Somehow I imagine the pilots are less than convinced by that line of reasoning.


No, the reinvestment is done as a courtesy. Consider, one can have, say, 100 shares of a $50 stock. A 2% dividend is $100/yr or $25/quarter. It would be a pretty bad deal if brokers charged you even $5 for that trade. When cap gains and dividends are grouped as you suggest, it refers to Mutual Funds. My funds will have a year end dividend and cap gain distribution. In a non-retirement account, one has to pay the tax due, and be sure to add this to your cost basis, as it's money you are effectively adding to your account. It does not mean cap gain the same as when you sell your shares of Apple for a huge gain.  Those check boxes seem to offer you a chance to put all your holding on the same reinvestment plan for div/cap gain. You should also be able to choose one by one what you'd like to do.


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"Your decision about which of these investments to make is going to depend on how long you expect to leave the money in the account. For example, based on the figures you give us, if you think you are going to want to withdraw the money in three months or less then you should chose the savings account.  For ten months or more you should choose the Fixed Deposit. (As Michael Kjorling says, ""flexible to withdraw at any time"" does not mean you won't pay penalties for withdrawing early that's why you shouldn't choose the longer term deposits if you want to withdraw earlier). That's the simplest approach. The trouble of course is that you don't necessarily know how long you are going to leave the money in. If you are saving for a house, and you know you won't want to buy in the next year, the 12 month deposit looks good. But what if your car suddenly needs repairs? You would have to withdraw that money early and pay the penalties, and it turns out you would have been better of putting it in the savings account. A good approach is:"


"You're definitely not the first to pose this question.  During the peak of the housing crisis I noticed a decent amount of very high dollar properties get abandoned to their fates.  Individuals who can afford the mortgage on a 5 million dollar home don't necessarily need their credit to survive so it made more sense to let the asset (now a liability) go and take the hit on their credit for a few years. Unsecured debt, as mentioned is a little trickier because its backed by default by your personal estate.  If the creditor is active they will sue you and likely win unless there are issues with their paperwork.   Thing is though, you might escape some impacts of the debt to your credit rating and you might not ""need"" credit, but if you were to act as a wealthy person and not ""new money"" you would observe the significant value of using credit. credit allows you to leverage your wealth and expand the capacity of your money to import your overall wealth picture.  It may prove best to learn that and then make more wealth on your winnings than take the short sighted approach and welch on the debt."


> Get them into coding and they will never need a degree. I'm 20 years old in college and I strongly believe that is where it is all going  Don't you think that you should at least get your first job before declaring how the industry works?


Slightly off topic... Not merchandise, but I paid for various doctor's appointments with cash (as opposed to paying with health insurance).  I'd call ahead of time and notify them that I'd be paying in cash.  I got ridiculous discounts, sometimes even less than the copay.  I do not know why this discrepancy exists and I didn't want to ask for fear of messing up a good thing.


Some governments offer business information search for corporations in their jurisdiction.  The search results may show the director information for the company.  If this information is made publicly available, keep in mind there are websites that make money from indexing publicly available information to show in Google search results. I don't mean to scare you as this is a likely a slim possibility. It really depends on the privacy practices in place at the jurisdiction you're in. But do keep in mind if you're planning on doing business on the side for a few years policies may change. I would call Service Ontario (or whichever province you're incorporating in) or Corporations Canada if federally incorporating and ask them if they offer a business search service and exactly what information they make public. You might be able to reach a Privacy Officer and find out what exactly their policy is.


Its much less likely for that to happen now as it was 20 or 30 years ago.  See [the link I just posted](http://ideas.repec.org/p/iza/izadps/dp1938.html). The positions of Europe and the US have to some degree reversed. Looking at the bright side for wealthy people, the US is a good place for wealthy people to live because the chance of them getting poorer than their parents is substantially lower than in other countries.   On the other hand, if you are poor, you have a better chance of moving to a higher income bracket in most Western European countries than you do in the US. Of course as recently as the 80s, the situation was reversed and it could easily reverse again.   The statistics in the US are much better if you are an immigrant, For some reason, this income stratification doesn't seem to hold as true for immigrant families as it does for American families that have been here for several generations.


"The faster they eliminate menial jobs the sooner we can start retraining our workforce for a modern economy.  You contradict reality. The study says, ""Traditionally, a high proportion of workers in the low-wage market are not experienced at all: teens with their first jobs, immigrants with their first jobs here,” he said. “Data is pointing to: Since we have to pay more, employers are looking for people with **experience who can do the job from Day 1**.”""  How many low-level jobs do we see require multiple years of experience now days? This is a problem of raising the minimum wage. ""Jobs"" is a worthy cry. Because right now, the job is being eliminated. So you have teens and immigrants getting NO income, which is somehow better than a little income? Teens don't need a ""livable wage"" and adults who do can get subsidies from the government WHILE they gain experience and work up to higher pay. NO JOB means no way to get either of those."


What bogus, what it does in years to come doesn't disqualify changes in the years gone by.   Have been problematic for generations? Real income hasn't grown since 1968 in the US, with inflation in prices of goods and assets far outpacing it. Things are absolutely different between generations.   My job supports me just fine housing included, maybe that allows an objective look at things for people other than myself, whereas ironically you choose to be a morally superior cunt about it. What benefit to society does that have?   Have a link to your data? Although I can tell by your post you care more about being a dick about this.


It sounds like you are doing great.  A couple points: You really need to crunch the numbers such as how high is rent in your area, and of course home prices. Home price gains are not a given. It will depend on many factors such as the job market in your area, crime, schools, how long you stay put,..etc.  If you take the standard/non-itemized tax deduction you might not save at tax time if you don't pay enough interest. Your decision to have automatic deductions from your checks was spot on; it is human nature to spend every nickle. Also, money in a savings account won't keep up with inflation. It will slowly degrade; you will want other investments.  -Good luck


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"This happened to a Chinese based company that I work with.    All the Chinese folks acted like it was nothing and they just got a new CEO.  But when talking to the American higher ups (who we've known for decades) they quietly informed us that the Chinese government had taken him, citing that he had become to ""westernized""."


I feel the change should not be to remove the stigma from personal default. It should be to add it, in very large amounts, to corporate default. Every member of a defaulting corporation should be ashamed to be seen in public. The have let their culture down and should be mortified.  So if you defaulted on your mortgage, yeah, that's not great. If you're Donald Trump, that filed 11 a couple times, he can go fuck himself.


It sounds like you've found a decent bank. I suspect some may not realize they don't have to bank with the big 8 (or however many there are).  Once enough people start moving their money elsewhere the banks will begin to wake up and change their behavior.


Why don't you use the title of the actual article in regards to the housing crisis rather than the entire recession?  True the govt did push affordable mortgages in the good times and the bubble popped, but they didn't force >50:1 leveraging against those mortgages.


"If someone gains access to these data, he could use social engineering approach to impersonate you - i.e. call the American Express and ask tell he he is you and he lost the access to the account and he needs the access to be reset and sent to certain email, and if they doubt it's you he would send them the statement data, even on company letterhead (which he would be able to fake since he has the data from the statements, and AE has no idea how the authentic letterhead looks like). He could also do the opposite trick - like calling your assistant or even yourself and saying something like ""I'm from American Express, calling about the transaction at this-and-this date and this-and-this time, this amount, please confirm you are {your name} and your address is {your address}, I need to confirm something"" - which would make it appear as he is really from AE since he knows all these details - and then ask you some detail he's missing ""for security"" - like your birth date or last digits of SSID or anything like that - and then use these details to impersonate you to AE.  So putting all this info together where it can be accessed by strangers does have risks. It may not work out if both you and AE personnel are vigilant and follow instructions to the letter, but we know it not always so."


Libraries pay the author for the books.  Also, before Internet distribution, people would buy books, regardless of whether it was in a library or not.  Going forward, if a book is available for free on the internet, why would you go buy it?  What incentive would the author have to keep writing?  I'd hate to see Malcolm Gladwell & Seth Godin stop writing because they couldn't afford to anymore.


Yes, I am in the USA and almost 90% of our sales (orders) come via EDI, and thus 90% of outbound invoices.  But to setup EDI for an inbound EDI invoices with one supplier for 2 invoices per month is ridiculous.


"I'll make this short so you can understand it.  1 - ""Financialization"" is not a word or a real concept.  2 - Real wage stagnation is a problem, but its causes are much more subtle (and less conspiratorial) than you think.  3 - The auto companies are not trying to skirt their legal obligations. Rather, they're offering to pay people out NOW rather than in small amounts for the rest of time. It's a voluntary arrangement that people can opt into."


My dad runs an AV labor company (trade show setups etc) and his insurance company called him as they were finalizing his workers comp. They asked when he was submitting all of his employees drug screenings. My dad laughed at them and said he would not be submitting any. They told him his premium would be higher to which my dad replied that if he drug tested, he would have 4 people working for him and thus wouldn't even have a business - just send the bill.


If your worried about fitting in (which will be less of a concern as an intern) try to talk with the interviewers about what THEY enjoy, like about the company, hobbies, etc. One job interview for example I spent nearly the entire time talking about the HR managers son who was in the NFL. Or if they like hiking, biking, aircraft...whatever. They need to like you to hire you. Good luck!


I've worked extensively overseas and I can say America is one of the most miserable places I have lived. But, it isn't even the poor, but the middle and upper middle class who are the most miserable - always thinking they are just about to turn the financial corner, trying to keep up with their in-debt neighbors, and never socializing. I wish it was mandatory for Americans to live overseas for a year or two.


But nothing was stolen. Americans voted and according to the rules Trump won. Americans cast their ballots.  Now Trump very clearly worked with a foreign power to obtain that outcome, so hang him for *that*. But hanging Trump for being a cheating law-breaking scumbag does NOT mean Clinton won the election.  Sorry, she lost. If we go down this road that the election is overturned because the silly voters were hoodwinked (and you need to trust someone to tell you that), that will be the argument for overturning every lost election from here on to the end of the world.  Foreign actors interfere in other nation's elections all of the time. Good luck stopping that in today's internet-driven world.


I would at least encrypt the part of the drive you keep forms like that, but not to protect myself from the odd villain who works for the IRS.   Your broker does report your capital gains to the IRS, whether in sales or dividends.   I received a bill last month from the IRS for dividends I forgot to report on my 2013 return. The bill contained a partial duplicate of my 1099-DIV form from the brokerage, and included account numbers and SSN. Therefore it's safe to say IRS employees don't need to hack your laptop in order to get that info. :) As for minimum information, it depends on your broker. Call them and ask; they'll tell you everything you need to know.  Vanguard, for example, has some security questions, among other things.


There is no law that requires you to have a separate bank account for your business, or to pay all expenses from a business bank account. It is a GOOD IDEA to have a separate bank account and pay all business expenses from that account and all personal expenses from your personal account, because that makes sorting out what is what much simpler, both in case of an audit and for your own accounting. Whether a particular expenditure is a deductible business expense has nothing to do with what account you pay it from. If you pay advertising expenses for your business from your personal account, that's still (almost certainly) a deductible business expense. If you buy groceries from your business account, that's almost certainly not a deductible business expense. In your case, there are all kinds of rules about when and how much travel is deductible.


Yes, absolutely she can. I come across small businesses from sole props to corps and llc who have their spouses employed. One thing to note is that the business won't need Workers Comp insurance if you're the only employee, if you hire anyone else you will need it.


Source? I have seen success stories constantly, and the company has donated tens of thousands of dollars of product to employees who lost homes in the recent disasters. And thats only a small part of how Amazon treats their employees. A simple google search would reveal even more, including details on the tuition assistance and employee assistance programs which Amazon spends millions to run.


"You can, but it doesn't mean you should. You don't actually ""withdraw cash"", the bank gives you a cash loan (called a ""cash advance"") on your card. It will be at very high interest (higher even than your credit card), and they'll also slap you with a bunch of flat fees. Also not all ATMs support it. Better to just carry cash."


Check your local better business bureau. They can tell you who is in business, who's bonded, and who has had a lot of complaints levied against them for shoddy practices.


If it is a business loan, the borrower would be able to claim a deduction for any interest paid on the loan and the lender would include the interest earned as part of their taxable income. You need to be careful on what you do and don't include as income. If the repayments made to you by the borrower in a year is $10,000 but only $8,000 of that is interest and the other $2,000 is part of the principal being returned to the lender, then you would only claim $8,000 as your income and the borrower would only claim $8,000 as a business deduction. Of course if it is interest only, then you and the borrower would use the full $10,000.


There is also babysitting, dog walking and house sitting.  Depending on their age of course. You should also investigate what is required to get them the ability to setup their own Roth IRA.  I know one of the requirements is you can't put more into the Roth then was earned in income in the year.  They might also have to file an income tax return (not sure about that one).  Just think of how far ahead of the game they will be if they can get a couple of grand or more in a Roth account while in their early teens.


"The comments section to Dilip's reply is overflowing.  First - the OP (Graphth) is correct in that credit scoring has become a game. A series of data points that predicts default probability, but of course, offers little chance to explain why you applied for 3 loans (all refinancing to save money on home or rentals) got new credit cards (to get better rewards) and have your average time with accounts drop like a rock (well, I canceled the old cards).  The data doesn't dig that deep.  To discuss the ""Spend More With Plastic?"" phenomenon - I have no skin in the game, I don't sell credit card services. So if the answer is yes, you spend more with cards, I'll accept that. Here's my issue - The studies are all contrived. Give college students $10 cash and $10 gift cards and send them into the cafeteria. Cute, but it produces no meaningful data. I can tell you that when I give my 13yr old $20 cash, it gets spent very wisely. A $20 Starbucks card, and she's treating friends and family to lattes. No study needed, the result is immediate and obvious. Any study worth looking at would first separate the population into two groups, those who pay in full each month and those who carry a balance. Then these two groups would need to be subdivided to study their behavior if they went all cash. Not a simply survey, and not cheap to get a study of the number of people you need for meaningful data. I've read quotes where The David claimed that card users spend 10% more than cash users. While I accept that Graphth's concern is valid, that he may spend more with cards than cash, there is no study (that I can find) which correlates to a percentage result as all studies appear to be contrived with small amounts to spend.  As far as playing the game goes - I can charge gas, my cable bill, and a few other things whose dollar amounts can't change regardless. (Unless you're convinced I'll gas up and go joy-riding) Last - I'd love to see any link in the comments to a meaningful study. Quotes where conclusions are stated but no data or methodology don't add much to the discussion.  Edit - Do You Spend More with Cash or Credit? is an article by a fellow Personal Finance Blogger. His conclusion is subjective of course, but along the same path that I'm on with this analysis."


>*The protracted and uneven recovery from the Great Recession has led most Americans to conclude that the U.S. economy has undergone a permanent change for the worse, according to a new national study at Rutgers. Seven in 10 now say the recession’s impact is permanent, up from half in 2009 when the recession officially ended, according to the John J. Heldrich Center for Workforce Development.*  >*Among key findings in “Unhappy, Worried and Pessimistic: Americans in the Aftermath of the Great Recession,” the center’s latest Work Trends report, are:*  >*Despite sustained job growth and lower levels of employment, most Americans do not think the economy has improved in the last year or that it will in the next.* >*Just one in six Americans believe that job opportunities for the next generation will be better than for theirs; five years ago, four in 10 held that view.* >*Roughly four in five Americans have little or no confidence that the federal government will make progress on the nation’s most important problems over the next year.*  >*Much of the pessimism is rooted in direct experience, according to Heldrich Center Director and Professor Carl Van Horn, co-author of the report.*  >*“Fully one-quarter of the public says there has been a major decline in their quality of life owing to the recession, and 42 percent say they have less in salary and savings than when the recession began,” Van Horn said. “Despite five years of recovery, sustained job growth and reductions in the number of unemployed workers, Americans are not convinced the economy is improving.*  Cross-post from /r/MAConservative


I can say with 99% certainty that you are a consultant of some kind. Am I correct? You are using the same arguments as my consultant friends trying to tell me that this research is too vague and open.   I appreciate your your viewpoint, but you too are aware of many CEO's that operate in markets for us financially mortal people. Ryan O'Leary (Ryanair), Oprah Winfrey (magazine/tv-show), Richard Branson (any Virgin service).  I agree that most people will not know who the CEO is in most instances is. But I don't buy your argument that it has to be in the multi $1,000's for people to know the CEO. Look at Anita Roddick (Body Shop). That is why I want to explore this particular field. Regardless of who the CEO is, I want to see if the CEO's displayed behaviour will affect a consumer in his/hers decision making process.


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You must understand that not everyone has or can get credit cards. Consider that those who are in the the lowest 20-30% of income tend to have fewer credit cards (or none), and lower credit debt, although some have quite high credit card debt relative to their income.  So you really aren't comparing the same demographics (the population of all income earners, used to calculate average income, and the population of all credit card debt holders, are not the same groups of people). Once you remove those folks from consideration, then credit card usage may still average higher, but accept that it is unusual for people making less than $20K-30K/year to have much credit card debt. You must understand that wealth and income are two very different (although related) concepts. One must note that there are millions of people in the U.S. who have wealth; they have net assets of over $1M (excluding their homes). Many of those folks have assets greatly exceeding $1M. And although it might seem foolish to carry a large balance on their credit cards, they may have quite low interest rates, and simply find it simpler and more convenient to use credit cards in lieu of personal loans.  Suppose you have $2M in net assets, and want to buy a classic car or a diamond necklace.  Charging $30K and carrying the balance until a dividend check arrives may make sense. Understand also that not everyone makes the same choices, or good choices. Carrying a credit card balance may appear like a poor choice, especially when you are not wealthy, or have lower income. But suppose you have a high credit limit across several cards, and you need to handle a short-term financial challenge (car repair, layoff, medical bills, etc).  You might use the credit card to pay for that purchase, essentially financing an extraordinary event over a longer period of time.  And although having a balance of more than 5-10% of your monthly income may seem foolish to some, it may make sense to others. And some people choose to carry balances of 50% to 100% of their credit limit.  Others realize that keeping their credit utilization below 30%, 20%, or 10% of the credit limit is a better plan (both interest rate and risk wise).


From the instructions: If you do not need to make any adjustments to the basis or type of   gain or loss (short-term or long-term) reported to you on Form 1099-B   (or substitute statement) or to your gain or loss for any transactions   for which basis has been reported to the IRS (normally reported on   Form 8949 with box A checked), you do not have to include those   transactions on Form 8949. Instead, you can report summary information   for those transactions directly on Schedule D. For more information,   see Exception 1, later. However, in case of ESPP and RSU, it is likely that you actually do need to make adjustments. Since 2014, brokers are no longer required to track basis for these, so you better check that the calculations are correct. If the numbers are right and you just summarized instead of reporting each on a separate line, its probably not an issue. As long as the gains reported are correct, no-one will waste their time on you. If you missed several thousand dollars because of incorrect calculations, some might think you were intentionally trying to hide something by aggregating and may come after you.


Let's simplify things by assuming you only own 2 stocks. By owning VOO and VTI, you're overweight on large- and mid-cap stocks relative to the market composition. Likewise, by owning VTI and VT, you're overweight on U.S. stocks; conversely, by owning VXUS and VT, you're overweight on non-U.S. stocks. These are all perfectly fine positions to take if that's what you intend and have justification for. For example, if you're in the U.S., it may be a good idea to hold more U.S. stocks than VT because of currency risk. But 4 equity index ETFs is probably overcomplicating things. It is perfectly fine to hold only VTI and VXUS because these funds comprise thousands of stocks and thus give you sufficient diversification. I would recommend holding those 2 ETFs based on a domestic/international allocation that makes sense to you (Vanguard recommends 40% of your stock allocation to be international), and if for some reason you want to be overweight in large- and mid-cap companies, throw in VOO. You can use Morningstar X-Ray to look at your proposed portfolio and find your optimal mix of geographic and stock style allocation.


"This is the best tl;dr I could make, [original](https://www.reuters.com/article/us-japan-economy-labour-analysis/japan-inc-turns-contract-workers-into-permanent-staff-as-labor-market-tightens-idUSKCN1BC3PJ) reduced by 88%. (I'm a bot) ***** > Last year, the average monthly pay for regular workers was 321,700 yen while for contract workers it was 211,800 yen, so a change in status can mean a big jump in pay plus benefits workers weren&#039;t previously receiving.  > LABOR LAW REVISIONS. The trend is expected to accelerate toward April 2018 when a revised labor contract law starts forcing companies to provide permanent status for temporary workers who have served more than five years, if the workers request it.  > The share of non-regular workers has almost doubled as companies saddled with excess capacity, debt and excess workers have replaced regular employees with cheaper contract workers.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6xgsde/japans_labor_market_is_getting_so_tight_that/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~202637 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*: **work**^#1 **employee**^#2 **year**^#3 **job**^#4 **contract**^#5"


Congratulations on saving up $75,000.  That requires discipline and tenacity.  There are a lot of factors that would go into making your decision.   First and foremost is the security of the income stream you have now.  Being leveraged during times of hardship is not a pleasant experience.  Unexpected job losses can and do happen.  Only you can determine how secure your and your spouse's situation is.   Second, I would consider the job market in the location that you live.  If you live in a small town it will be hard to find income levels like you have now.  Rental properties are additional ties to an area.  Are you happy in the area in which you live?  If you were laid off are there opportunities in the same area.  Being a long distance landlord is again not a pleasant experience.  I can throw being forced to sell to relocate at a reduced price into this same bucket. Third, you need to have 3 to 6 months of expenses saved for emergencies.  This is in addition to having no consumer debt (credit cards, car loans, student loans).  $75,000 feels like a lot.  Life can throw you curve balls.  You need to be prepared for them because of the fundamental nature of Murphy's Law.  If you were to be a landlord you should err closer to the six month end of the scale.  I own two rentals and can speak to people being late a given month, heating and air problems, plumbing issues, washers and dryers breaking, weather related issues, and even a tenant leaving behind for truckloads of trash.  Over 20 years I guess I have seen it all.  A rental agency will only act as a minor buffer.   Fourth, your family situation is important.  I personally save 10% of my income for my child's education.  If you haven't started doing so or have different feelings on what you might contribute think about it before any financial move. Fifth, any mortgage payment you are making should be 25% or less than your take home pay for a 15 year fixed rate mortgage.  Anything less than 20% down and you start burning up money on PMI insurance.  'House Poor' is a term for people that make high incomes but have too much being spent for housing.  It is the cause of a lot of financial stress. Sixth, you need to save for retirement.  The absolute minimum I recommend is 15% of your income.  Even if the match is 6% you should invest the full 15% making it 21%.  Social Security is a scary thing and depending on it is not wise.  I think your income still qualifies you for contributions to a Roth IRA.  If you aren't personally contributing 15% do so before making a move. There is an old joke that homeless people who have a 0 net worth often are richer than people driving fancy cars and living in fancy houses.  Ultimately no one can tell you the right answer.  Every situation is unique.  You have a complex tapestry to your financial life that no else one knows.


The Fed controls the base interest rate for lending to banks. It raises this rate when the economy is doing well to limit inflation, and lowers this rate when the economy is doing poorly to encourage lending. Raising the interest rate signals that the Fed believes the economy is strong/strengthening.   Obviously it's more complicated than that but that's the basic idea.


If you qualify for the safe harbor, you are not required to pay additional quarterly taxes.  Of course, you're still welcome to do so if you're sure you'll owe them; however, you will not be penalized. If your income is over $150k (joint) or $75k (single), your safe harbor is: Estimated tax safe harbor for higher income taxpayers. If your 2014 adjusted gross income was more than $150,000 ($75,000 if you are married filing a separate return), you must pay the smaller of 90% of your expected tax for 2015 or 110% of the tax shown on your 2014 return to avoid an estimated tax penalty. Generally, if you're under that level, the following reasons suggest you will not owe the tax (from the IRS publication 505): The total of your withholding and timely estimated tax payments was at least as much as your 2013 tax. (See Special rules for certain individuals for higher income taxpayers and farmers and fishermen.) The tax balance due on your 2014 return is no more than 10% of your total 2014 tax, and you paid all required estimated tax payments on time. Your total tax for 2014 (defined later) minus your withholding is less than $1,000. You did not have a tax liability for 2013. You did not have any withholding taxes and your current year tax (less any household employment taxes) is less than $1,000. If you paid one-fourth of your last year's taxes (or of 110% of your last-year's taxes) in estimated taxes for each quarter prior to this one, you should be fine as far as penalties go, and can simply add the excess you know you will owe to the next check.


"I have a Roth IRA with Scottrade, and they allow me to write cash secured puts, as well as covered calls. I can also purchase calls or puts, if I choose. When I write a cash secured put, it automatically deducts the amount required to purchase the shares at the strike price from my ""cash available for transactions""."


Also, this would be a sick way to predict the weather. What if there were options on rain that had week long maturities? One could back out from the price and different maturities the probability of it raining on a certain day.


>And where pray tell would all the cash come from?  Tax rich people and corporations  >Surely you can't be stupid enough to think that money created endlessly as needed  I didn't say that.  You did.  You fucking stupid internet-libertarian.  Great strawman btw.  >Government employees, including legislators and professional politicians, should not receive special benefits merely because they happen to be bureaucratic leeches on the public teat.  See my previous comment.  But anyway you go ahead and pretend that making other people's existence shittier will help you.  I'm sure you're a self-made billionaire that's never required anything from anyone.  lol.  Just kidding.  Like every other piece of shit that subscribes to this subreddit I'm sure you're posting from your mom's basement right.  Hey do her and us a favor and kill yourself already.  tia.


Most people have no problem paying for schools, millitary, or other socially  optimizing externalities.   People do have a problem with paying for free rides for others, where only the person receiving the benefits gains anything and everyone else has to pay the bill.


The implied intent is that balance transfers are for your balances, not someone else's.  However, I bet it would be not only allowed but also encouraged.  Why?  Because the goal of a teaser rate is to get you to borrow. Typically there is a balance transfer fee that allows the offering company to break even.  In the unlikely event that a person does pay off the balance in the specified time frame the account and is then closed, then nothing really lost. Its hard to find past articles I've read as all the search engines are trying to get me to enroll in a balance transfer.  However, about 75% of 0% balance xfers result in converting to a interest being accrued.  If you are familiar with the amount of household credit card debt we carry, as a nation, that figure is very believable. To answer your question, I would assume they would allow it.  However I would call and check and get their answer in writing.  Why?  Because if they change their mind or the representative tells you incorrectly, and they find out, they will convert your 0% credit card to an 18% or higher interest rate for violating the terms.  Same as if a payment was missed. From the credit card company's perspective they would be really smart to allow you to do this.  The likelihood that your family member will pay the bill beyond two months is close to zero.  The likelihood that a payment will be missed or late allowing them to convert to a higher rate is very high.  This then might lead to you being overextended which would mean just more interest rates and fees.  Credit card company wins!  I would not be surprised if they beg you to follow through on your plan. From your perspective it would be a really dumb idea, but as you said you knew that. Faced with the same situation I would just pay off one or more of the debts for the family member if I thought it would actually help them.  I would also require them to have some financial accountability.   Its funny that once you require financial accountability for handouts, most of those seeking a donation go elsewhere.


Ponder this. Suppose that a reputable company or government were to come out and say hey, we are going to issue some 10 year bonds at 6.4%. Anyone interested in buying some? Assume that the company or government is financially solid and there is zero chance that they will go bankrupt. Think those bonds would sell? Would you be interested in buying such a bond? Well, I would wager that these bonds would sell like hotcakes, despite the fact that the long term stock market return beats it by a half percent. Heck, vanguard's junk bond fund is hot right now. It only yields 4.9% and those are junk bonds, not rock solid companies (see vanguard high yield corporate bond fund) Every time you make an extra principal payment on your student loan, you are effectively purchasing a investment with a rock solid, guaranteed 6.4% return for 10 years (or whatever time you have left on the loan if make no extra payments). On top of that, paying off a loan early builds your credit reputation, improves your monthly cash flow once the loan is paid, may increase your purchasing power for a house or car, and if nothing else, it frees you from being a slave to that debt payment every month.  Edit Improved wording based on Ross's comment


"Yes, undeniable facts: sleazy Hillary conspires with fake-news CNN to cheat on debate questions, something that my son would be expelled from school if he cheated like that on his test, something that NEVER EVER happened in presidential debates before and there was no need for it (it's just debate questions, that Trump handled very well).   These facts and MANY other facts demonstrated to the American people how corrupt, evil, untrustworthy and conspiring is the DNC and Hillary are.  So Trump won the presidency, congress, senate and governors. He won also the popular vote if California did not allow millions of illegal aliens to vote.  **And now you want to believe that ""Russians!"" made Hillary, the DNC, Podesta, Loretta Lynch, Donna Brazile, Debbie Schultz, etc do all those things, so Trump will win? And all this ""Russians!"" happening while under the watch of Obama in charge of the FBI?**  Darling, there was no ""Russians!"" collusion!  The ""Russians!"" collusion is just to divert attention from corrupt Democrats to Trump.  I am not worried: so far Hillary is under several investigations and Tump is not under a single investigation!!!!! (Investigating ""Russians!"" is not investigating Trump). Trump will win 2020 again and Hillary and her friends will be rotting in jail."


In view of business, we have to book the entries. Business view, owner and business are different. When capital is invested in business by owner, in future business has to repay it.  That's why, capital always credit. When we come about  bank (business prospective) - cash, bank, fd are like assets which can help in the business. Bank is current asset (Real account) - Debit (what comes into the business)                                        Credit (what goes out of the business) Hence credit and debit differs from what type of account is it.... credit - when business liables debit - what business has and receivables


Why not just get another credit card and transfer the balance? Many of them will give you special perks like x months of no interest for doing so. Also, once you call to actually cancel the card you will see for sure whether they really have any power to negotiate rates. From their perspective 15% APR is more than 0%APR which is what they'd get if they lose your business.


If your friend is paying you same amount as the charge, there should be no problem.  If the friend is paying you an amount in excess of the ticket (or in excess of the club tab in the 2nd example), you need to report the excess amount as income.   I would keep the receipts for the purchases, credit card statements, bank statements, and checks/or electronic receipt show your payment of the credit card.  If the IRS does question these, you tell them what happened and be able to prove that you made no money off the transaction by providing the statements and receipts.


The problem is that when the mortgages were securitized they did it in such a way as to make checking them impossible. The security wasn't based on one mortgage or even dozens of them, but hundreds of them. Good and bad, all mixed together.  Making matters worse, each security wasn't even dealing with whole mortgages, just fragments of them.  It was a true nightmare.


An investment trust is quoted just like a share. You just compare what you paid (your book cost) with its current share price, not the NAV, as a trust's price can be at a premium greater than the actual share price or a discount.


"Thanks! I'll make sure I remember to vote for the one who got the most big money as ""the people's"" candidate, next time.  8 years of ""muh legacy"" ... gone ... all because [the election is over](https://youtu.be/MPsbV-IvLDU). I guess, it kinda sucks with the shoe on the other foot."


"Since you want to know exactly what ""yield"" means, let's get all the details of the security down first. Treasury Bills are 0-1 year and do not pay interest/coupons. The yield comes from buying the T-Bill at a discount. For example, you buy a T-Bill for $99 and it pays $100 when it matures, and the yield over that holding period is 1/99. When people talk about ""yield"" they are generally talking about annualized yield unless stated otherwise.  Treasury Notes are 2-10 years. They pay interest semi-annually. Treasury Bonds are 20-30 years and they also pay interest semi-annually. Again, ""yield"" is typically the annualized yield, or the two semi-annual interest payments added together (without compounding). These have interest payments so they are typically sold at par. They may trade a premium/discount afterwards.  TIPS pay a constant coupon rate, but the principal is adjusted up and down with inflation."


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> What I meant by all this is that anything simple will be made disgusting and maddening the moment it enters the real world, including inventory management systems.  Yes, the real world is not as simple as one would want it to be if they could engineer it themselves.  They key is engineering a system to work in the real world, not a world to work with a perfect system.


"The best place to start looking is the companies ""Balance Sheet"" (B/S).  This would show you the total shares ""outstanding."" The quarterly B/S's arent audited but a good starting point.  To use in any quant method, You also need to look a growth the outstanding shares number. Company can issue shares to any employee without making a filing.  Also, YOU will NEVER know exactly the total number because of stock options that are issued to employees that are out of the money arent account for. Some companies account for these, some dont.  You should also explore the concepts of ""fully dilute"" shares and ""basis"" shares. These concepts will throw-off your calc if the company has convertible bonds."


If you mean the internal rate of return, then the quarterly rate of return which would make the net present value of these cash flows to be zero is 8.0535% (found by goal seek in Excel), or an equivalent compound annual rate of 36.3186% p.a. The net present value of the cash flows is: 10,000 + 4,000/(1+r) - 2,000/(1+r)^2 - 15,125/(1+r)^3, where r is the quarterly rate. If instead you mean Modified Dietz return, then the net gain over the period is: End value - start value - net flow = 15,125 - 10,000 - (4,000 - 2,000) = 3,125 The weighted average capital invested over the period is: 1 x 10,000 + 2/3 x 4,000 - 1/3 x 2,000 = 12,000 so the Modified Dietz return is 3,125 / 12,000 = 26.0417%, or 1.260417^(1/3)-1 = 8.0201% per quarter, or an equivalent compound annual rate of 1.260417^(4/3)-1 = 36.1504%. You are using an inappropriate formula, because we know for a fact that the flows take place at the beginning/end of the period. Instead, you should be combining the returns for the quarters (which have in fact been provided in the question). To calculate this, first calculate the growth factor over each quarter, then  link them geometrically to get the overall growth factor. Subtracting 1 gives you the overall return for the 3-quarter period. Then convert the result to a quarterly rate of return. Growth factor in 2012 Q4 is 11,000/10,000 = 1.1 Growth factor in 2013 Q1 is 15,750/15,000 = 1.05 Growth factor in 2013 Q2 is 15,125/13,750 = 1.1 Overall growth factor is 1.1 x 1.05 x 1.1 = 1.2705 Return for the whole period is 27.05% Quarterly rate of return is 1.2705^(1/3)-1 = 8.3074% Equivalent annual rate of return is 1.2705^(4/3)-1 = 37.6046% ========= I'd recommend you to refer to Wikipedia.


**Poe's law**  Poe's law is an adage of Internet culture stating that, without a clear indicator of the author's intent, it is impossible to create a parody of extreme views so obviously exaggerated that it cannot be mistaken by some readers or viewers as a sincere expression of the parodied views.  The original statement of the adage, by Nathan Poe, was:    Without a winking smiley or other blatant display of humor, it is utterly impossible to parody a Creationist in such a way that someone won't mistake for the genuine article.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.24


"This is stupid. Employers don't pay overtime — they make you go home. But you need money to support your family. So you take another job. Now, instead of working 50-70 hours a week at one job, your working up to 40 at one and then 10-30 elsewhere. Add in the commute, changing uniforms, schedule conflicts, and it's an even worse hell than ""slaving away"" at your main job/career for over 40 hours. It discourages hard work, investing your time into learning your job and getting promoted faster, and decreases your base pay rate in case the employer has to pay for your time and a half in some situations. You can't legislate away the major economic problems our society faces in this way."


I don't understand why Apple's laptop and portable displays are so, so much better than the competition considering that they don't actually make their own shit. The iPhone 5 display is easily [the highest quality](http://www.anandtech.com/show/6334/iphone-5-screen-performance) (in terms of color accuracy, gamut, viewing angles, and display temperature) of any portable screen ever. Who makes that screen and why don't they put an equivalent quality screen in their own device? The Galaxy S III screen is, quite frankly, pretty shit, which really bothers me as both an Android user and a display snob.


Over 1,300 tubes containing radioactive water inside San Onofre nuclear plant's steam generators in California has been reportedly damaged enough that they need to be taken out of service.   To date, the safety of tubing that snakes around the plant's 4 steam generators were installed in a multimillion-dollar upgrade three years ago.   According to the company's official statement on Monday, 807 tubes in Unit 3 and 510 tubes from Unit 2 reactors were retired. Every generator has almost 10,000 tubes and the total number of plugged tubes would not affect a proper operation of the plant.   Their statement came just days after an executive from Edison International announced that the firm plans to restart at least one of the reactors in the coming months. They are apparently planning which reactor will run at reduced energy for several months at least, because engineers are of the opinion that it will solve the problem of vibration -- something that the firm suspects is causing the unexpected wear in the alloy tubes.      The chairman of Edison, SCE's parent company, reportedly called investors to notify them of the premature wear found in around 1% of 39,000 tubes in the generators.   A nuclear watchdog Norton Medical and Scientific Research & Biotechnology issued a warning, saying in effect that it seems «the new steam generators are falling apart and Edison doesn't know why. It would be foolhardy to restart, even at reduced power, under the current circumstances.»   The nuclear plant is owned by the Riverside City together with San Diego Gas and Electric and SCE. A joint statement released last week by the California Independent System Operator and Edison gave possible dates this June for planning. However, government regulators were quick to assert that there is no timetable for a restart -- something that would still need a federal approval.   The alert concerns stemmed from an incident in January when the third reactor was shut off after a tube broke. But although radiation has escaped during that time, officials were quick to assure residents and workers that there was no imminent danger. Earlier that month, the second unit was shut down for its regular maintenance but investigators discovered instead of premature wear on hundreds of tubes that were only installed 2 years ago by Mitsubishi Heavy Industries. (The first unit operated on 1968 was dismantled in 1992.)   The tubes stand for a crucial safety barrier, that is, if a tube breaks then there is considerable chance for radioactivity to escape onto the atmosphere. Serious leaks could also use up the protective cooling water employed in a reactor.   SCE estimates that the repair expenses could cost about USD 55 to 65 million, aside from the initial USD 30 million it has spent to replace the output from the 2 reactors earlier this year.  » Norton Medical and Scientific Research & Biotechnology - Thousands of Tubes Damaged at Calif Nuclear Plant


The decline in what kind of house you get for $600k is why a lot of people making $100k don't feel rich. I'm amazed at how many houses in my area go for that much, especially when you consider that only 5% of families have the income to consider that affordable.


Thanks for the reply.  To answer your question, it is always preferable to be paid in advance, however how does that impact valuation in a change of control transaction.   Using your airline ticket sales as an example.  I buy an airline today.  I get to recognize the revenue from any pre-sold tickets starting tomorrow and reduce my deferred revenue liability.  However, I don't get that cash as it has already been paid to the previous owner.  On the expense side I recognize the expense for the flight and have to pay the cash (fuel, staff, etc.).  So even thou the accounting matches, the previous owner gets the cash gets from the presales without having to spend the cash to service those presales.


>So where is all the money? I mean, labor has been produced to make things and wages paid to the laborers. The things are purchased by other laborers, who were paid for producing goods or services, etc. It's a closed loop, right?   Almost right. The problem is that the wages paid to the laborers are not high enough to buy all the goods produced, so there is constant overproduction and at the same time there are people who would want to buy these goods, but can't afford them. Some people lose their jobs, which reduces demand for goods even further. It's a vicious circle and everbody loses in the long run.


If you're a person of normal means, being a short-term trader/speculator is a game that you are going to lose. Don't do it -- do some research on investing.


You've convinced me with your capital letters. How could I have been so blind?   The average person on unemployment is there for 39 weeks. Not permanent. So, you're basing your argument on false data. Further, a certain portion of these are there not because of stigma, but because the industry in which they worked doesn't need the labor. Another portion is only actually looking for work in order to continue qualifying for unemployment, and will retire after the benefits run out.   You're talking about making a truly significant policy change with real negative effects on many, many real people in order to help a part of the population that doesn't necessarily exist in the manner you imagine it does. From what I can tell, you have done nothing to arrive at your conclusions beyond feeling an emotional reaction with no actual sense of the data. Or any actual knowledge of economics.


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"Definitions are in order: These definitions are important. Someone making 1,000,000 a year who spends all of it is poor. Someone who makes 500K, spends 450K a year and has three million in stocks and a paid-for million dollar home may be rich but they can't retire. They need another seven to eight million to retire. Someone with a million dollars in assets who makes 40K a year through their job, can be Financially Independent and retire.  This last example is important. In The Millionaire Next Door the authors share their discovery that the average millionaire accumulated their wealth with just a working income of around 50K (the book is a bit dated so the number should be elevated if you adjust for inflation). Finance Independent is a strange thing to wrap your head around and people with high incomes often fall victim to misunderstanding it. When figuring out how much a person needs to accumulate for their ""nest egg"", their working income is not a direct variable. Their spending and savings rate are. A doctor making 500K, who spends 450K needs to work for 51 years if they are planning to keep spending 450K/year (adjusted for inflation) forever. Someone making 60K starting at age 21 who saves 18K (30%), could retire at 49. Someone with a truly low income and poor, say 30K and under and living in a old developed nation, investing will help them a bit. Say they save 10% of their income, by the time they reach 65 (the typical age federal retirement pensions begin), they'll have enough money to live off of in perpetuity and in comfort.  They'll actually have a higher retirement income than income while they were working. But, it is challenging at those levels to save 10% of your net income. Events like your car randomly deciding to break down one day can destroy an entire year's saving."


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Very difficult to pay a credit card bill on a one off payment. Once you have selected HSBC card and used the secure key to confirm bill payment, in my experience it comes up error.mafter 3 attempts i was locked out of the account. Mush easier to use an account from another bank to pay the bill.


There are very strict regulations that requires the assets which a fund buys on behalf of its investors to be kept completely separate from the fund's own assets (which it uses to pay its expenses), except for the published fees. Funds are typically audited regularly to ensure this is the case. So the only way in which a default of the fund could cause a loss of invstor money would be if the fund managers broke the regulations and committed various crimes. I've never heard of this actually happening to a normal mutual fund. There is of course also a default risk when a fund buys bonds or other non-equity securities, and this may sometimes be non-obvious. For example, some ETFs which are nominally based on a stock index don't actually buy stocks; instead they buy or sell options on those stocks, which involves a counterparty risk. The ETF may or may not have rules that limit the exposure to any one counterparty.


The two are closely related. A budget is a detailed plan for how to spend. Expense tracking is a tool to analyze your previous spending performance. Creating a plan for how to spend your money without any record of your previous spending--is an empty promise to yourself that you will never follow up on. Did I stay within my budget? Doesn't matter, I didn't track the spending anyway. Even if you do plan to track your performance, if you have not previously done so, you won't have a good basis for how much to expect in each category.  Most people have a general idea of how much they have spent and many budgets are formed based on that general intuition, but they are often surprised when they track how every penny is spent and look at the totals from month to month and over years. By actually seeing how much has been spent it's easier to pick the big financial drains and target them for reduction, if your desire is more savings, for example. I know people who keep a close eye on what they spend each month, but they don't allocate money in categories for the next month. They don't perform as well on reducing spending, but they often don't care. They feel like they make enough and they save enough, so why worry? I also know people who create an unrealistic budget each month because they haven't done a good job tracking their previous spending. They know what the monthly bills are, but they don't account well for variable or cyclical expenses  like repairs, Christmas, etc. Both tools are essential for maximizing your own personal finance.


There are quite a few online brokers ... All of these have different pricing structure and the right one would depend on the amount of & type of trading you are doing, for example Reliance Money offer 1 paise brokrage, but with a higer anual fees, so it makes sense if you are doing delivery trades and not IPO or Day trades ... Others changes less of anual fees but more of brokrage.


You should read into the local and Federal laws that concern these kinds of sales. Potential pitfalls that I know of (there are probably much more): Auctions in general mean:


This is where you're wrong.  We have a very crappy labeling of what is in food products because of lobbyists for these industries.  Sure, you say don't like it then don't buy it but when a company tells you something is made from 100% chicken and you only get 50%, they didn't lie or break the law.  They started with 100% chicken and added 100% soy and what you ended up with is a 50% chicken and 50% soy.  They claim it's made from 100% with extra ingredients but do not tell you at the time of purchase, or label it anywhere, you aren't buying 100% chicken.


Masai Auto City is a good opportunity to buy the second hand used car at the affordable price. We have every car certified by our expert team. If you want to save the money to buy the car in new condition it is a perfect place for you. Now, it has been become a very popular place in Johor city.  There  is a lot of car dealer in Malaysia, but they haven't certified car. Locate the most Toyota companies that dependably give you the best opportunity to buy Masai used car Toyota at the moderate cost. You can sift through the chase in light of different parameters comprising Masai second hand car dealer.


> Energy storage is a tough problem to crack though.  No it's not. There are any myriad of ways to store kinetic energy. Pump water to an uphill reservoir. Use a flywheel. There was that story recently to push to with railroad cars laden with concrete. It would roll back down hill, and use regenerative breaking to supply power.  Follow the patents  http://www.elp.com/Electric-Light-Power-Newsletter/articles/2017/08/follow-the-patents-new-technologies-address-balancing-peak-and-off-peak-power-demand.html


I second the suggestions for your local credit union and asking co-workers who might also be in the process of a home purchase. Additionally, you want to educate yourself as much as possible so that you can ask questions about the calculations responsible for the differences. I got different values starting from the various online automatic quotes all the way through to the GFE and it was not obvious to me. You can also sign-up for free workshops for first time home buyers, though most of the material will be a breeze it helps you get worksheets going and lists going for documentation that you need to gather. You might want to start at the HUD site and explore. Especially the Borrower's Rights. The cost booklet was very helpful for me to interpret the GFE, but honestly I didn't appreciate it the first time it was handed to me. Finally, you might meet qualifications to take advantage of FHA programs; the waitlists discourage everyone including the loan brokers, but you want to at least be aware of programs that can help.


What are you talking about? There are plenty of slaves who taught themselves to read and successfully hid their efforts from their owners. Hell, others decided to just leave. These slaves pulled themselves up by their bootstraps and were examples to other slaves.   Clearly there is no context, environment, and system that people exist in.


Your autograph analogy seems relevant to me. But it is not just speculation. In the long run, investing in stocks is like investing in the economy. In the long run, the economy is expected to grow , hence stock prices are expected to go up. Now in theory: the price of any financial instrument is equal to the net present value today of all the future cash flows from the instrument. So if company's earnings improve, shareholders hope that the earnings will trickle down to them either in form of dividends or in form of capital gain. So they buy the stock, creating demand for it. I can try to explain more if this did not make any sense. :)


"One key to trading is recognizing expectations.  What you see in the market is not always a reflection of fundamentals; sometimes, it's a reflection of what people expect to occur, whether that actually happens or not, is debatable. When a currency experiences inflation, such as the CPI being higher today for the USD, it may see an increase because people expect that the central bank will raise rates.  Again, this may not be the case, and the traders with this expectation could be wrong.  If you're seeing a currency rise after reported inflation, more than likely, traders expect the inflation to benefit the currency in the longer run. Finally on the economics' side, and economists here can debate this, at least in the past the view was that there was a relationship between inflation and unemployment (see the Phillip's Curve).  This idea, depending on who you ask, was refuted in the 70s when we had both high inflation and high unemployment (stagflation).  Supposedly, if we have high unemployment, we should have low inflation, so we can always raise inflation to have low unemployment.  Note that you will still find some economists who think the Phillip's Curve is true, so ""refuted"" depends on who you ask. From what I've read, Austrian economists are the only economists who see inflation as always bad (long story short, I think it's Paul Cwik who argues that deflation is actually good); like you're seeing, other economists might see it as a good sign and it's only a concern when it's very high (hyperinflation)."


This belong in /r/redacted  If there's a market correction (not crash, as the economy is on good foundation), it will not topple the sitting president, as it did not topple other president who went through corrections and crashes.  The economy is improving a lot under Trump. Hence the stock market going up.  >  the Swamp is so undrainable that it will end up making mincemeat of Donald Trump  Then give up? Actually, that's why Trump was elected.


Diversification and convenience: Is .15-0.35% fee worth it? It depends on your net worth, amount you invest and value of your time (if you have high net worth and low cost of your time the fee is highier then in case when you have low net worth but high cost of time - so Betterment seems to be a better option to young professional just after college then to someone already retired), your interest in finance, your willpower etc. Is Betterment allocation better then pure SPY? From what I understand about finance theory - yes. EDIT (as requested) I don't have any affiliation with any financial institution as far as I know. I opened it to get used to just investing as oppose to saving and ups and downs of market (and read up on the portfolio management, especially index funds) and I guess it worked well for me. I plan to move out entirely out of it once the cost of the account would be more then paying for a few coffees and move the account to Vanguard, Schwab or something similar.  In other accounts (HSA/...) I use simpler portfolio then the Betterment one (US Total, Small Value, Developed, Emerging and Bonds) but there are people who use simpler (search for 3 fund portfolio).


"> to be replaced by some whipped up reality trash  That's exactly my point. The reason everything is being replaced with ""reality"" tv shows is because they're so inexpensive to make. A ""smash hit"" is defined by its profit margins. A reality tv show can generate less income than a scripted show, and end up with more profits for the network since they cost so little to produce."


Wal Mart, as capitalists are wont to do, will start by making a decent deal with employees (not make it mandatory, decent $) and will end up having people driving 10 miles out of their way for less than the costs of the employee, and use it as a cudgel to get raises and advancement.  Never trust a corporation. They are sociopaths, you know, since they are people in this greedy assed country and all.


I'll ensure to have my ducks in a row.  It's the top prize and I purchased the ticket at a gas station in a town of 5000 people. I don't think retaining a lawyer is a good idea with the dollar amount, maybe if it was in the millions, but will take your suggestions to heart.  Thank you!


The long term is a series of short terms and the best thing we can do for for it is to improve the short term. There is absolutely no benefit to self-imposed economic hardship in the present.  I'm not saying there is slack of money, I'm saying there is *lack* of money. There is slack in output capacity. We are producing less than we're capable of and as a result, real resources and labor are idled. As policy, this is inexcusable.  >People who are saving their money don't have it stored under their mattress. Instead they have it saved in a bank that is in turn being loaned out at the lowest rates in history.  Savings are a demand leakage. They are *unspent* income. If that leakage isn't offset, demand falls and the effect on the economy is contractionary.


"One reason is because car insurance is mandated. Mandated insurance means the government is forcing people to purchase it, which also means that everyone must have the opportunity to purchase it at a reasonable cost, even if the insurer would normally not choose to insure them. In mandated industries, risk pools are formed which means that as a whole, lower risk members partially subsidize higher risk members. In mandated industries that have a large risk variance, the insurance system would break down if everyone was charged their ""fair share"" because high risk members would be unable to afford a policy. (This is even more prominent with health insurance than car insurance because the difference in risk is vastly greater.) On a positive note, perhaps you may get a warm and fuzzy feeling knowing that you are helping out others ""in need""."


You can create cash accounts within Quicken. These accounts are virtual. You can move money between the cash accounts so that you can track saving towards a multiple purposes. Some people have used this to emulate the envelope system of budgeting.


Sounds like you are reconciling more than once a month.  I like to say I glance at all my statements, but these days I just look at the final balance and call it good.  If a transaction shows up by mistake, I would find it in a couple of days because of how often I update my Quicken and Mint.com


"No.  I have nearly a million miles in the air and I do not ""despise"" flying.  The TSA intrusions today are only slightly more obnoxious than they were, say, 10 years ago.  The purpose of airport security is to get rid of the ""low hanging fruit"" threats.  Without it, every knucklehead with an agenda would be a problem.  With it, only the hardcore threats are a concern.  The real problem with air travel today is the amateurs that travel once a year and have some very weird behaviors:  - They show up late, unprepared, and clueless and then get annoyed that the word doesn't stop rotating to accommodate them.  - They show up massively overweight and blame the airline for the ""small"" seats.  Yeah, that's the problem.  The seats are too small to accommodate your buffalo-like thighs.  - They try to bring aboard steamer trunks that won't fit in the back of an SUV let alone in the overhead compartment.  - They think a $49 ticket entitles you to preferrential treatment and a luxury experience.  - They drink like frat boys and become about equally obnoxious.  - They bring their children along (that's fine) but then ignore them so that the rest of us have to put up with the whining, howling, and screaming that comes from children that are hungry, overtired, or need a diaper change.  In short, the TSA doesn't bother me anywhere near as much as a good many of my fellow passengers.  ProTip #1:  When traveling, travel light and be 10% more courteous and 10% more patient than you would be, say, at home.  It will make the entire experience better for all involved.  ProTip #2:  The single biggest element of travel stress in my experience is NOISE.  Go to your local gun shop and buy a pair of the compressible foam shooters earplugs.  Wear them from the time you walk into the airport until you walk out at the other end.  You will see your stress levels go down significantly.  ProTip #3: The most dangerous thing in the airport isn't terrorists.  It's the food."


"So after 2 world wars, countless smaller ones, A mantra of Regime change and poking our nose in every bodies business, CIA black ops and Torture, weapons of mass destruction that did not exist, assassinations of Heads of state  The Mighty Empire of the United states is brought to its knees by ""One liners"",    Well bad news, Poppets, because in an attempt to deliver the Coup De Grace and totally annihilate us, they have hatched a dastardly plot to increase from 140 characters to 280  Fear and tremble . .behold!!!  Allah hu Akbar!!!   ""Death by Two liners"" approaches  This is what happens when you hire assholes to govern you"


Yep!  Sorry, poor phrasing on my part.  The Top 5 Non-Profits in terms of 2012 Revenue:  * The Y - $6.2B * Goodwill Industries International $4.9B * United Way - $4.3B * Catholic Charities USA - $4.2B * The Salvation Army - $3.35B  Source: http://www.thenonprofittimes.com/wp-content/uploads/2013/11/11-1-13_Top100.pdf