"It is important to first understand that true causation of share price may not relate to historical correlation. Just like with scientific experiments, correlation does not imply causation. But we use stock price correlation to attempt to infer causation, where it is reasonable to do so. And to do that you need to understand that prices change for many reasons; some company specific, some industry specific, some market specific. Companies in the same industry may correlate when that industry goes up or down; companies with the same market may correlate when that market goes up or down. In general, in most industries, it is reasonable to assume that competitor companies have stocks which strongly correlate (positively) with each-other to the extent that they do the same thing.  For a simple example, consider three resource companies: ""Oil Ltd."" [100% of its assets relate to Oil]; ""Oil and Iron Inc."" [50% of its value relates to Oil, 50% to Iron]; and ""Iron and Copper Ltd."" [50% of its value relates to Iron, 50% to Copper]. For each of these companies, there are many things which affect value, but one could naively simplify things by saying ""value of a resource company is defined by the expected future volume of goods mined/drilled * the expected resource price, less all fixed and variable costs"". So, one major thing that impacts resource companies is simply the current & projected price of those resources. This means that if the price of Oil goes up or down, it will partially affect the value of the two Oil companies above - but how much it affects each company will depend on the volume of Oil it drills, and the timeline that it expects to get that Oil. For example, maybe Oil and Iron Ltd. has no currently producing Oil rigs, but it has just made massive investments which expect to drill Oil in 2 years - and the market expects Oil prices to return to a high value in 2 years.  In that case, a drop in Oil would impact Oil Inc. severely, but perhaps it wouldn't impact Oil and Iron Ltd. as much. In this case, for the particular share price movement related to the price of Oil, the two companies would not be correlated. Iron and Copper Ltd. would be unaffected by the price of Oil [this is a simplification; Oil prices impact many areas of the economy], and therefore there would be no correlation at all between this company's shares. It is also likely that competitors face similar markets. If consumer spending goes down, then perhaps the stock of most consumer product companies would go down as well. There would be outliers, because specific companies may still succeed in a falling market, but in generally, there would be a lot of correlation between two companies with the same market.  In the case that you list, Sony vs Samsung, there would be some factors that correlate positively, and some that correlate negatively. A clean example would be Blackberry stock vs Apple stock - because Apple's success had specifically negative ramifications for Blackberry. And yet, other tech company competitors also succeeded in the same time period, meaning they did not correlate negatively with Apple."


"I have personally known a family in the hills of Southern Oregon, US who lived off the electricity grid. As far as being ""possible"" yes, but easy is a certain no.  This family was very dedicated to the point of living without grid electricity.  A special built home of native field stones, careful alignment with the sun, location within the valley.  I would assume that making a normal home be off the electric grid is much more difficult.  Not impossible, but pretty darn hard."


You can always reduce the income by the direct expenses required to earn it, and figure out whether it is ultimately a net profit or loss.   The net profit is taxable income.  The loss may be tax deductible if the underlying thing is tax deductible.    For the book, the $50 revenue required a $100 expense, so that's a $50 net loss.  You don't owe any income tax since it's a loss.  You could take the loss as a tax deduction if you have a business trading books, or if buying the book would be tax deductible for some reason.  Note that in the latter case you can only deduct the $50 not the $100.  For the airline ticket, it is to compensate you for the losses you took as a result if the delayed flight. So you tally up the $22 meal you had in the airport waiting for news, the $110 on the motel room you rented or forfeited, any other way you can peg a cash value to any losses you took.  Total them up, again, a net loss is only deductible if the travel is already deductible. Note that if the actual expenses (book, flight) were tax deductible for some reason, the cash-back reduces the amount of your tax deduction, so it has the same effect as the sale/gift being taxable income.


"**Pink slime**  ""Pink slime"" (a dysphemism for lean finely textured beef or LFTB, finely textured beef, and boneless lean beef trimmings or BLBT) is a meat by-product used as a food additive to ground beef and beef-based processed meats, as a filler, or to reduce the overall fat content of ground beef. In the production process, heat and centrifuges remove fat from the meat in beef trimmings. The resulting paste is exposed to ammonia gas or citric acid to kill bacteria. In 2001, the United States Department of Agriculture (USDA) approved the product for limited human consumption.  ***  ^[ [^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"


"> But currently they don't even receive that.  Yes, because everyone knows America has people starving in the streets left and right. I'm certainly an advocate for stronger social safety nets, but you are being unrealistic if you say we don't have millions of programs to feed and shelter people. Usually the only true homeless in this country are mentally ill.   But that is a separate discussion. I am in no way against helping the poverty class as much as possible, especially with education.  > The systematic transfer of wealth from labor to capital nowadays plays no part?  It's not a ""transfer."" That doesn't even make any sense, I'd like to see you explain the logic behind that. The capital markets are stronger than ever before because the global labor market is exploding, and America is still the cornerstone of the global financial markets. The labor markets are weakening because, again, we are losing out to global competitors and technology. One goes up and the other goes down because of the same factor. One doesn't *cause* the other."


There are a few unsavory factors that have led to the creation of new derivatives:


Technology has been evolving so fast lately that being an entrepreneur became a truly risky game. But, adopting a franchise business may be a good option for you. If you’re thinking about investing in a business like this, TechJOYnT franchise may be just the perfect option. TechJOYnT is one of the Top Education Franchises in United States. A franchise is an already proven profitable business in which the investment may be a little bit higher in numbers but will also assure you to get your company going in short time. Know more about us here: https://www.slideshare.net/CarollPadilla/stem-science


Find the most trustable car dealer in Johor Bahru and select your favorite car in good condition at the Masai Auto City, because it is one of the most reliable for you from where you can buy a second hand car. We ensure the most lowest money for every company car which is very comfortable for the buyer.  Buy the most car in Johor Jaya second hand car such as Toyota, Honda, Ford, Nissan, Proton, Perodua. We have more than 1000 certified cars, if you want to buy the used car then it is a good time to select your favorite car. Everyone wants to check the car before buying.


"I have some numbers to share that may help.  I've been tracking my home's natural gas consumption in a spreadsheet for years.  Much of that time I'd only been interested in the quantity used – to measure my home's efficiency after certain upgrades – but in 2006 I also started tracking the ""Gas Supply Charge"" costs from my local utility, Enbridge, in Ontario, Canada.  My numbers are for the gas commodity only (i.e. excluding delivery and customer charges.) I've never been on a fixed-price contract, so the numbers are supposed to be reflective of market rates.  However, the numbers do differ from real ""spot prices"" because Enbridge estimates gas costs up-front and then applies a ""gas cost adjustment"" at later dates if their estimate was wrong. Natural gas cost per cubic meter for Chris's home http://img686.imageshack.us/img686/6406/naturalgascosts3priorye.png Since 2006, natural gas prices have been generally falling.  The last cost I have on file, from my November 2009 bill, is 12.9 cents per cubic meter – being ~20 cents gas supply rate, less gas cost adjustment of ~7 cents.  My average cost over that nearly 4 year period, January 2006 through November 2009, was 38.4 cents per cubic meter. Considering the current 5-year fixed rate I found is about 29 cents per cubic meter, there is a substantial premium to locking in when compared to current market rates.  However, one can see that during the last 4 years, market prices did substantially exceed that rate for quite some time.  Furthermore, when I last looked at those 5-year fixed rates perhaps a year or more ago, I couldn't find a company charging less than 39 cents per cubic meter.  So, contract rates have fallen as well. Consequently, if we are at a natural gas price low and the economy is to recover, I tend to agree with Cart's answer and suggest it could be a good time to consider a fixed-rate contract. But, do your own due diligence and read the fine print if you go for it. UPDATE: In the interest of full disclosure, shortly after I did my own research above, I signed up for my first ever fixed-rate natural gas contract. :-)"


"This is the best tl;dr I could make, [original](https://sharesandaffairs.wordpress.com/2017/10/16/behavioural-economics-in-marketing/) reduced by 87%. (I'm a bot) ***** > According to Daniel Kahneman&#039;s Thinking Fast and Slow people&#039;s mental capacities can be categorised into two systems; system one thinking and system two thinking.  > In order for a firm to begin an increase in their consumer base they must employ marketing strategies to target system two thinking to capture new consumers of that good.  > Therefore while the work of behavioural economics continues to reveal that consumer decisions are more complex than our previous models took into account, it also creates new realms of opportunity for marketers to appeal to their consumers through rational and irrational messages alike.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/7738ir/behavioural_economics_in_marketing/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~230235 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*: **system**^#1 **consumer**^#2 **Thinking**^#3 **two**^#4 **more**^#5"


Keep in mind the ex-dividend date is different from the payable date (the day the dividend is paid). That means the market price will already have adjusted lower due to the dividend. Short answer: you get the lower price when reinvesting. So here's Vanguard's policy, it should be similar to most brokers: When reinvesting dividends, Vanguard Brokerage Services combines the   cash distributions from the accounts of all clients who have requested   reinvestment in the same security, and then uses that combined total   to purchase additional shares of the security in the open market.   Vanguard Brokerage will attempt to purchase the reinvestment shares by   entering a market order at the market opening on the payable date. The   new shares are divided proportionately among the clients' accounts, in   whole and fractional shares rounded to three decimal places. If the   total purchase can't be completed in one trade, clients will receive   shares purchased at the weighted average price paid by Vanguard   Brokerage Services.


Here's a tip: Kill yourself you stupid, ignorant fuck. There's a special place in hell reserved for people like you.   PLEASE have a discussion with your alleged friend. I would LOVE to hear what he has to say about your thoughts. Until then, kindly shit the fuck up, you ignorant moron.


Totally agree.  I have a hard build to fit and more often than not the size I pick doesn't fit.  Then you have to drive to UPS/FedEx to ship it back and that's more of a pain in the ass than the convenience of buying online in the first place was worth.


Pardon me, but the French and the Germans started wars with the Russians. The US kept a barrier to keep Stalin from marching further than Berlin. That's been eighty years now.  Why is it obtuse for the US to say they're done?


Business owners or other people with a sales quota to meet will often often take that deal. Especially when there isn't a physical thing being sold. If the Yoga class has an open spot, why not let another person in and get the $20? The sales clerk at the front desk usually doesn't have the authority to give a discount like that and won't stick their neck out to do so without prior approval.


They all have rules about what type of insurance you must have;  and if you don't have the required insurance,  they will offer to contract one for you.  That's fair enough,  I had to prove to my CU that the insurance I have was up to their standards,  no biggy.  Where it becomes a scam,  is when i) the lender refuses to accept your existing insurance as valid no matter what;  ii) buys an insurance on your behalf without asking/giving you the option of getting your own;  and iii) buys an overpriced insurance (e.g., insurance for the fair market value of your house rather than the cost of rebuilding it...),  likely from themselves  (and possibly iv) uses this as a pretext to foreclose your house).


I've wondered why anyone thinks it will be more than a speculation instrument. I'd love to hear arguments for it but they always fall short as soon as I think about countries inflating/deflating the value of their own currency.


On their newer busses, yes (of the six legs of the round-trip, I was only on an old bus for one). They also have power outlets and (p)leather seats, which was a huge plus. The wifi wasn't working well, but I didn't care too much as I was using my phone and had a 3G connection most of the way.


US banks are often helpless with international checks, so I would recommend to do a wire transfer instead. Otherwise you might end up being in the US with no money and a worthless piece of paper in your hand. First, set up your european account to allow wire transfers to the US, if that needs any action. Speak to someone in the bank in person, to make sure you can later initiate such a transfer remotely/online. After travelling, set up your US account, and then remote trigger a wire transfer. Costs are relatively small, for example with Postbank you pay less than 30 $, and get the bank currency exchange ratio (which is much better than the exchange ratio for paper money). The wire transfer cost is partly proportional to the amount, and partly constant, so don't split it in many pieces - make one larger transfer.


I think that you should be very careful who you label a neo-nazi and you should be very careful what other people you decide to exclude in the future.    If someone is conducting business in a professional manner, then why deprive them of the opportunity?  When large companies leverage their market positions like that I start to wonder if they're too large.


According to page 107 of the instructions for schedule A for form 1040 : Include taxes (state, local, or foreign) paid on real estate you own that was not used for business. ... If you want to make a business out of her property and be her agent in the management, you might be able to work with an accountant on this, but it won't be a valid personal deduction.


">This is why people talking about kirkland ""whatever product"" is actually ""blank OEM"" is really harmful.  Uh no its not.    >There is a risk to quality afterwards when the manufacturer is so caught in trying to save money that they will cut every corner in order to save cost.  Costco isn't Walmart tho.  While Costco plays hardball to get the best deal they also understanding keeping quality.  Where as Walmart doesn't care about quality, they know that shirt you bought for $10 will last like maybe 6 months and you be back to get another.  Costco rather wants that shirt to last you a year or more and charge you $25 instead."


I'll tell you exactly what causes the counter pressure, agents of the state entitling themselves to the fruits of my labor.  How is it greed to want to earn a good livelihood, but not greed, on the states part, to steal more and more of its citzens livelihoods for the enlargement and enrichment of itself?


Yes, 0% APR = no interest. APR = Annual Percentage Rate. As in, the lender gets an annual percentage returned to them for lending you money. This is the opposite of APY, which is Annual Percentage Yield, or the money that an investment yields.


Direct from Square Support in an email to me today when I asked this very question: Thanks for writing in. You can certainly use Square for personal use. When activating your account, you’ll be asked how you intend to use Square. You’ll simply need to select ‘Individual Use.’ Don't think we can get more clear than that :)


Tight side of normal means rising wages. That isn't happening. These metrics are all fucked up and no one wants to admit it. If that's not a sign to buckle down and save for that monsoon coming our way I don't know what is.


"You cannot contribute to the HSA in excess to the limit. The ""post-tax"" contributions ""some links"" are talking about may be referring to the case where you cannot contribute through your paycheck. In that case - you contribute from your own (after-tax) money, and then claim deduction from your taxes above the line, i.e.: you end up getting the same tax benefit with the exception of the FICA taxes. 6% excise tax is yearly until you withdraw the excess and the earnings on it, and when you do withdraw the excess and the earnings - you'll pay your ordinary rate taxes on it. For each year, you have until April 15th the following year to withdraw the excess of that year without the penalty From the IRS publication 969: Generally, you must pay a 6% excise tax on excess contributions. See   Form 5329, Additional Taxes on Qualified Plans (including IRAs) and   Other Tax-Favored Accounts, to figure the excise tax. The excise tax   applies to each tax year the excess contribution remains in the   account."


I looked at Publication 463 (2014), Travel, Entertainment, Gift, and Car Expenses  for examples. I thought this was the mot relevant. No regular place of work.   If you have no regular place of work but   ordinarily work in the metropolitan area where you live, you can   deduct daily transportation costs between home and a temporary work   site outside that metropolitan area. Generally, a metropolitan area includes the area within the city   limits and the suburbs that are considered part of that metropolitan   area. You cannot deduct daily transportation costs between your home and   temporary work sites within your metropolitan area. These are   nondeductible commuting expenses. This only deals with transportation to and from the temporary work site.  Transportation expenses do not include expenses you have while   traveling away from home overnight. Those expenses are travel expenses   discussed in chapter 1 . However, if you use your car while traveling   away from home overnight, use the rules in this chapter to figure your   car expense deduction. See Car Expenses , later. You will also have to consider the cost of tolls of the use of a  trailer if those apply.


"I have a degree in econ, but that hardly makes me an expert. Here is what I understand well enough to feel comfortable stating:  As you increase corporate taxes you decrease incentive for people to invest in corporations. Corporations are really a means of removing risk beyond initial investment to individuals who want to invest. If you were to set the corporate tax rate at 90% (as they do in the link) you would see more alternative investments locally and an incentive to invest where taxation isn't as high. Think of it this way, I could buy stock in apple but the corporate tax rate is 99%, then I would be better off buying a piece of property to rent, or a piece of stock in a country that has a normal corporate tax rate. An exorbitant corporate tax rate would encourage me to take on more personal risk and start my own sole proprietorship... even if I would be less qualified to do so than those in the corporation.   If you want an alternative school of economics to study [Austrian Economics](https://en.wikipedia.org/wiki/Austrian_School) has a lot to offer.   In my opinion the NYT article makes quality points and is economically sound. The ""naturalfinance.net"" article is trash."


"The shares are ""imputed income"" / payment in kind. You worked in the UK, but are you a ""US Person""? If not, you should go back to payroll with this query as this income is taxable in the UK. It is important you find out on what basis they were issued. The company will have answers. Where they aquired at a discount to fair market value ? Where they purchased with a salary deduction as part of a scheme ? Where they acquired by conversion of employee stock options ?    If you sell the shares, or are paid dividends, then there will be tax withheld."


> A developed nation that has businesses making a profit off things humans need to survive. Crazy, huh?  There are an infinite number of opportunities to monetize things that humans *don't* need to survive. So yeah. It is crazy that people insist on monetizing the things that people do need to live.


"which means the current total is $548,100. Is that correct? Yep Unfortunately the ""current"" GM stock is different than the GM stock of 1989.  GM went bankrupt in 2011.  It's original stock changed to Motors Liquidation Company (MTLQQ) and is essentially worthless today.  There was no conversion from the old stock to the new stock. What do I do with these certificates? Can I bring them to my bank, or do I need to open an account with a stock company like Fidelity? See here for some instructions on cashing them in (or at least registering them electronically).  I've never dealt with physical stocks, but I presume that a broker is going to charge you something for registering them vs. direct registration, though I have no idea how much that would be. I read somewhere that I only have to pay taxes when I cash out these stocks. But are these rules any different because I inherited the stocks? You will pay capital gains tax on the increase in value from the time your father died to the time you sell the shares.  If that time is more than one year (and the stock has gone up in value) you will pay a 15% tax on the total increase.  If you have held them less than one year, they will be short-term capital gains which will count as regular income, and you will pay whatever your marginal tax rate is. If you sell the stock at a loss, then you'll be able to deduct some or all of that loss from your income, and may be able to carry forward losses for a few years as well. I did not catch that the stock you mention was GM stock.  GM went bankrupt in 2011, so it's likely that the stock you own is worthless.  I have edited the first answer appropriately but left the other two since they apply more generally.  In your case the best you get is a tax deduction for the loss in value from the date your father died."


That's why a major metro area is more likely than regular metro. Maybe even the so-called mega metro areas.  Depending on how it grows it could surpass Seattle if an industry they latch onto into that area is profitable. AWS is awesome but can't be as big yet. The major ones like drones combined with driverless vehicles and energy flows into trillion dollar industries over the next 20 years.  California needs automated logistical infrastructure like nobodies business. Do you know how many people are going to try and buy the first driverless vehicles in California? Do you know how many customers they would have within 100 tightly packed miles that would be lifelong customer's?  It depends on the balance between customers and HQ human resources. Obviously office space doesn't serve customers directly.  Let's see what cities propose for drone and driverless vehicle allowances. Amazon could make ups, FedEx and usps obsolete in a decade.... Plus analysts seem to think whoever gets driverless cars implemented first will be the first solidly mega corporation. Apple and Amazon will both get there without it anyway, but there's a reason everyone is working on that. CA served by NV or rural CA space would be a godsend.  Amazon could also invest in high speed commercial freight rail.  There's a thousand directions they could do. Amazon is on fire right now in a scary amazing kind of way.


Each way you go is a little bit of a gamble.   Owning equity in the company is best in situations where you can trade and sell that equity, or where the dilution of your royalty product would affect your returns, or if you can maintain a certain equity stake without working at the company or if you can hold out on taking equity to reinvest profits for the purposes of growth.   The royalty is best in situations where you're getting a portion of the gross, since you get paid as a creditor, no matter how the company is performing, or if you intend to collect royalties after you leave the company. Now for your situation: if your royalties are fluctuating with profit instead of gross and your equity is tied to your continued partnership and not subject to potential growth... then they're pretty much both workarounds for the same thing, you've removed the particular advantages for each way of receiving payment. If the company ever does buy out or go public, how much of your additional X earning a month would you have to then re-invest to get an equity stake?  And for royalties, if another developer came aboard, or your company bought another company, how much would this dilute your IP contribution? So, aside from the gambling nature of the issue, I'm not sure your tax calculation is right.  You can take equity profit as dividend, as long as you're collecting a sufficient salary (this prevents a business from declaring all profits as a dividend).  This would put those profits into a different tax bracket, 15% capital gains. Or if all profits are equitably split, you could take part as salary, part as dividend.  As well, as someone who's making active income off of their IP, not passive income, you're supposed to file a Schedule C, not a Schedule E, so your royalties would include your self employment taxes.  The schedule E is for royalties where the author isn't actively in the field or actually self employed in that area, or if you own royalties on something you didn't create.  Should you keep the royalties then go to another job field or retire then your royalties could go on a Schedule E.  Now, a tax advantage may exist on a Schedule C if you can write off certain health and business expenses reducing your income that you can't on a Schedule E, though it'd probably be difficult to write off more than the adjusted self employment cost savings of a Schedule E.


That has nothing to do with my statement. My point is that the moves in Bitcoin value are not even *discussed* in the same way as other currencies.   When the Japanese yen rises in value, everyone realizes there is simultaneously a fall in some other currency or currencies. And you can look at the other cross-currency prices to see what the real story is. A huge rise in Bitcoin means there is a huge drop in the U.S. dollar value, but that is not matched by any other dollar valuation.


I would suggest looking into Relative Strength Asset Allocation.  This type of investment strategy keeps you invested in the best performing asset classes. As a result of investing in this manner it removes the guesswork and moves naturally (say into cash) when the stock market turns down. There is a good whitepaper on this subject by Mebane Faber titled Relative Strength Strategies for Investing.


"> Food is cheaper  Which restaurants do you eat at? Most mom-and-pop shops by me charge 50% more for the same genre of food as Applebees.  Applebee's/Chili's/Outback has a very well-defined market: sit-down food at cheaper prices.  Problem is that this type of food is below millennials' experience (""ew, you actually eat that stuff?"") and thus Applebee's and the like are suffering in sales."


I couldn't agree more. It's a shame the music industry is so ripe for disruption. Similarly to what on demand, and netflix did to the dvd industry. However because of the immense music catalogues that the industry has, any disruptive technology like spotify has to pay heavily for the music, no matter how great the idea is.


However, is it a risk that they may withhold liquidity in a market panic crash to protect their own capital?  Two cases exist here. One is if you access the direct market, then they cannot. Secondly if you are trading in the internal market created by them, yes they can do to save their behind, but that is open to question. They don't make money on your profit or loss, their money comes from you trading. So as long as you maintain the required margin in your accounts, you can go ahead. I had a mail exchange with IG Index regarding this and they categorically refuted on this point. Will their clients be unable to sell at a fair market price in a panic crash? No. Also, do CFD providers sometimes make an occasional downward spike to cream off their clients' cut-loss order?  Need proof regarding this, not saying it cannot happen. They wouldn't antagonize the people bringing them business without any reason. They would be putting their money at risk. But you should know, their traders are also in the market. Which might look skimming your money, it would be their traders making money in the free market. After all Google, Facebook etc also sell your personal data for profit, why shouldn't the CFD firm also. Since they are market makers, what is to prevent them from attempting these tricks? Are these concerns also valid for forex brokers serving the retail public? What you consider as tricks are legitimate use of information to make money.


At the time we were working on it, PHP had support for SHA and MD5 built-in only. If it had it to do all over again today I'd use something like Blowfish.  As to the answer to your first question, I considered the possibility that someone could make rainbow tables specifically for SHA 256 to address having two hashes as inputs. Such a thing is feasibly possible.


"In addition to tax-related benefits, one answer may be that it helps them avoid being inundated with requests to support other foundations. Most charities have access to public records that indicate potential donors based on income and demographic. They can use that info to solicit for donations. ""Hey NFL Player, you have lots of money, and we have cute starving emus that really need your help!"" Here's a blurb from Foundation Source about some of the benefits to starting your own foundation.  Get an Immediate Tax Deduction, but Give Later: You get the tax deduction when the foundation is funded, then make your charitable   gifts over time. Leave a Lasting Legacy: Foundations set up in perpetuity can burnish your name far beyond your lifetime. Because gifts are made   from an endowment that generates investment revenue, the total gifts   made by the foundation can far surpass the actual funding. Be Taken More Seriously as a Philanthropist: A foundation imparts a gravitas that causes people to take your philanthropy more seriously,   due to the structured, organized approach you employ for your giving. Sidestep Unsolicited Requests: When you focus your foundation on specific giving areas, your mission statement can be used to politely   turn down off-target funding requests. Deepen and Focus Your Philanthropy: Whereas individual donors often spread their giving among as many causes as possible, the formalized   structure of a foundation often encourages donors to narrow their   focus to specific causes. Build a Better Family: As family members take on philanthropic research, present their findings to the board, participate in the   decision-making process, and track results, they hone skills that will   serve them for years to come. Tax-Deductible Grants to Individuals in Need: A private foundation allows you to provide emergency assistance directly to individuals   using dollars for which you’ve already received a tax deduction. Run Charitable Programs Without Setting Up a Separate Nonprofit: Direct charitable activities are IRS-approved programs that permit   foundations to directly fund and carry out their own projects. Pay Charitable Expenses: All legitimate and reasonable expenses incurred in carrying out the foundation’s charitable mission can be   paid by the foundation and will count toward the annual minimum   distribution requirement. Provide Loans Instead of Grants: When used to support a charitable purpose, private foundations can employ loans, loan guarantees, and   even equity investments, which are paid back (potentially with   interest), so you can recycle your philanthropic capital for other   charitable causes. https://www.foundationsource.com/resources/library/top-10-advantages-of-a-private-foundation/ There's a similar list here on the website for an attorney that specializes in philanthropy and non-profits. I won't copy/paste that list as it's similar, but I wanted to provide an additional source confirming the above benefits. This link contains some disadvantages as well.  http://www.hurwitassociates.com/l_start_pros.php"


Because TV ad money is huge.  They could release originals 3 years after the release them on netflix and make good money.  probably more than USA or some similar cable channel does.  Cable stations live off of reruns.  Duece Bigalow still runs regularly on cable, and Sandler's Netflix movies could do the same thing.


It really depends on your taxable income.  If you are in a higher tax bracket and expect to be in a lower tax bracket in retirement, the RRSP is probably your best bet.  If, however, you are in a low tax bracket now, then it might be best to start with your TFSA. Hope this helps!


I'd recommend looking at fundamental analysis as well -- technical analysis seems to be good for buy and sell points, but not for picking what to buy.  You can get better outperformance by buying the right stuff, and it can be surprisingly easy to create a formula that works.  I'd check out Morningstar, AAII, or Equities Lab (fairly complicated but it lets you do technical and fundamental analysis together).  Also read Benjamin Graham, and/or Ken Fisher (they are wildly different, which is why I recommend them both).


Rule of thumb: Double your hourly rate to get a yearly salary (in thousands). Halve your yearly salary to get your hourly rate. (assuming a 40hr/week job). eg: $50k/year = $25/hr.


IRS pub 521 has all the information you need. Expenses reimbursed. If you are reimbursed for your expenses and you   use the cash method of accounting, you can deduct your expenses either   in the year you paid them or in the year you received the   reimbursement. If you use the cash method of accounting, you can   choose to deduct the expenses in the year you are reimbursed even   though you paid the expenses in a different year. See Choosing when to   deduct, next. If you deduct your expenses and you receive the   reimbursement in a later year, you must include the reimbursement in   your income on Form 1040, line 21 This is not unusual. Anybody who moves near the end of the year can have this problem. The 39 week time test also can be an issue that span over 2 tax years. I would take the deduction for the expenses as soon a I could, and then count the income in the later year if they pay me back. IF they do so before April 15th, then I would put them on the same tax form to make things easier.


Build skills to harvest and analyze data and you are ahead of the curve.  I picked my majors in college to get into algorithmic investing then I realized I didn't want to work in such a cut throat industry.  Now I work in health care.


A special 24/7 available QuickBooks support phone number helpline for users who are getting any issues or trouble or errors. You are just one call away to get world class QuickBooks customer support service. Dial or call today to know exactly how we can help you. visit our page - https://events.com/r/en_US/registration/quickbooks-customer-support-phone-number-1855-441-4417-los-angeles-june-62185


In the situation you describe, I would strongly consider purchasing.  Before purchasing, I would do the following: Think about your goals. Work with good people. Set a budget. Be able to handle surprises. If buying a home makes sense, you can do the following after buying:


There are software programs out there to do an inventory, but I haven't used them.  My wife works for an insurance company, and they have forms and specific documentation for your valuable things.  You certainly know what your big ticket items are.  For myself, I simply use my video camera and walk around the house as if I was taking a walking tour.  On the way I describe what is in each cupboard and chat about it.  If I have any idea of what it cost I say so, otherwise I don't Then I upload the video to a website I own for safe keeping.  (I have never looked at the videos a second time or told my insurance company about them.)  I don't really have much in the way of expensive items.  Mostly I take a video of my computers, electronics and my wife's jewelry box. The big point is to get an idea of what is in each room if my house burns down.  The video is supposed to make it easy for me to review and remember should a tragedy happen and I need to justify costs to my insurance company.   From my understanding, they will replace the value of the contents of my home up to a certainly value, regardless of what it is.  So I just want a quick list.


Yeah, there are a lot of things that 'poof' you into existence with them. Their whole business model is that they claim to have dirt on *every* established business. And they basically do. Attempting to get a number with them is really only an issue for brand new businesses.  Regardless, they will send you very misleading spam and junk mail. And a lot of it comes off to me as threats/extortion.  They also listed my home phone number for one of my businesses for years. When you call for assistance, they really only care about tricking you into buying some package, and don't care about being helpful or correcting their records.  I know I sound mean, but honestly their entire sales method on me was to trick me into buying something I knew I didn't want or need. With multiple salespersons there. It's really scummy.


Strictly from an ROI perspective, this is likely very dependent on your field.  Some masters degrees (quant finance, business, engineering) will be well worth the debt, since a degree from the right university will yield a respectable ROI, whereas other degrees/fields (philosophy, fine arts, etc) will be basically a waste of money. Regardless of the field you can input your information into an ROI calculator and see what you get.  I typically err on the side of using the lowest average reported salary for the degree programs you're considering (self reported salary data is notoriously inflated).


According to Dave Ramsey you should pay off the house. What I've found is that I'm willing to work a lot harder at saving money to put toward the house when I have that specific goal in mind.  If I were to put the money in the market instead then I would be less likely to make as many sacrifices and would inevitability end up putting less money away.


When purchasing a condo in a university town, it is almost guaranteed that the prices will be inflated as a result.  This is because you are competing not only with single-home, primary residence homeowners, but also with a multitude of investment buyers and landlords who want to purchase a rental property.  Universities are popular rental markets due to their stability (there will always be students looking for a place to live), and as a result the areas attract investors more than other markets. This can work in your favor, however.  If you don't mind sharing your residence with other students, and you don't mind the part time work that being a landlord requires, you can live much cheaper and even make money over the next few years as your roommates pay your bills.  Owning a primary residence rental property also brings a lot of tax benefits because you can claim expenses and depreciation against your income.  This could benefit your father who could be a co-owner and would certainly benefit from the write-offs against his higher tax bracket. The real trick that makes or breaks the experience is finding mature, responsible roommates who will cause the minimum amount of headache.  If this part of the equation is missing, it can lead to distractions from school and even legal worries when you have to think about things like unpaid rent and/or evictions.


Money as Debt and Money as Debt II (while low-quality in their production), give a great historical explanation of how the modern monetary system came into being, as well as touching on things you just said.  You can find various versions online, but here are two links anyway:  * Money as Debt: http://archive.org/details/MoneyAsDebt * Money as Debt II: http://archive.org/details/MoneyAsDebt2


That's a good question, you should ask the 100,000 current Tesla owners as well as the 500,000 people on this list for a Model 3, why they went with a Tesla instead of another product.   Tesla is THE gold standard for cars. I don't think I need to provide much anecdotal evidence to claim that people in affluent countries are more than willing to cough up $$$ for the prestige that goes with the product.   And America isn't cash strapped. We could be doing better, sure, but we're still affluent. Where are these much cheaper cars you talk about? Anyone in the market for an electric car has $ to spend


Yes, your realtor is a moron. (I am a realtor, and sorry you have such a bad one) Every industry has its good and bad. You really should find a new realtor, a good one.  You know the 1031 exchange is for rental property only. And that saving $2000 isn't worth staying in the house to complete the two years required occupancy.


Find trends, get to the front - as they are becoming trends, get the T shirts exposure in those market areas. T shirts need to be basically good quality but what really sells them is what goes on them. That's primarily design - words and pictures.  Also have a look at the Vistaprint business model - high volume, low cost, quick turnaround, fully customisable.  Have a walk around markets. I don't know what part of the world that you are in, however I have seen a few good T shirts words wise but with poor presentation in the Paris shops and markets. Paris \ France does not have many French language T shirts, however the French aren't so much into T shirts (except perhaps when they are at the beach).  Be ingenuous and creative.


"I can say that this is accurate for me personally.  I rarely watch ""broadcast"" TV - I watch one sporting event per week and that is it. Everything else is via XBMC or online.   But I listen to the radio for probably 10 hours a week because it's a pretty accessible format. Just turn it on in the car or on the train and listen. You get music, news or whatever else you want."


"The 1% thing is a  platitude and socialism always creates a distopia. What ""socialist"" government has come closest to creating the dream society you describe? They all turn into something worse than an organized crime syndicate combined with a fundamentalist religion.  Russia, Cuba, Bulgaria, north Korea, Romania, Albania, Somalia, Ethiopia, East Germany, soviet occupied Czechoslovakia, Poland, China, ,Cambodia, Venezuela and on and on. If your dream of unlimited time to play video games and free cheetos worked wouldn't it have worked a little in one of them?"


Here is a list of threads in other subreddits about the same content:   * [An alternative entrepreneur principle. | The Dismal Science](https://www.reddit.com/r/Economics/comments/79fl0a/an_alternative_entrepreneur_principle_the_dismal/) on /r/Economics with 1 karma (created at 2017-10-29 17:13:29 by /u/The_man_who_sold)  ----   ^^I ^^am ^^a ^^bot  ^^[FAQ](https://www.reddit.com/r/DuplicatesBot/wiki/index)-[Code](https://github.com/PokestarFan/DuplicateBot)-[Bugs](https://www.reddit.com/r/DuplicatesBot/comments/6ypgmx/bugs_and_problems/)-[Suggestions](https://www.reddit.com/r/DuplicatesBot/comments/6ypg85/suggestion_for_duplicatesbot/)-[Block](https://www.reddit.com/r/DuplicatesBot/wiki/index#wiki_block_bot_from_tagging_on_your_posts)  ^^Now ^^you ^^can ^^remove ^^the ^^comment ^^by ^^replying ^^delete!


7 trillion dollars over 8 years? Sure, that sounded like a lot before Obama was elected. [Now look.](http://en.wikipedia.org/wiki/File:Deficits_vs._Debt_Increases_-_2009.png)  With an insane spending uptick like that, can you honestly tell yourself that the government wouldn't have spent any extra money lying around available? Like what, they suddenly wouldn't be able to find an excuse for it? Or they would suddenly be all responsible?


Technologically advanced? Have you looked at the standard safety features in a Toyota for 2017? If Musk were CEO he'd call it a self-driving car!  (Mind you if it were Musk running the company the car would be in the shop most of the time but I digress).


There's a whole industry devoted to this.  Professionals use Bloomberg terminals. High Frequency Traders have computers read news feeds for them. Amateurs use trading consoles (like Thinkorswim) to get headlines quickly on stocks.


A balance transfer is paying one debt instrument with another.  While this is typically seen in credit card offers it isn't necessarily confined to credit cards. Obviously the only reason to do this is refinancing debt to a lower interest rate.  You need to watch for loads on the incoming money, there may be an upwards of 5% fee.  This calculation is materially different than your APR.  Monthly interest charges can be estimated by taking your APR divided by 12 times your balance.  So a 15% APR will have a rough monthly interest charge of 1.25%.  The 5% balance transfer fee is 4x your normal interest charge.  That fee is added to your balance and now you pay interest on the whole amount.  You need to ensure the new rate is low enough to actually benefit you after the incoming fee.


On my recent visit to the bank, I was told that money coming into the NRE account can only be foreign currency and for NRO accounts, the money can come in local currency but has to be a valid source of income (e.g. rent or investments in India). Yes this is correct as per FMEA regulation in India. Now if we use 3rd party remittances like Remitly or Transferwise etc, they usually covert the foreign currency into local currency like INR and then deposit it. The remittance services are better suited for transferring funds to Normal Savings accounts of your loved ones. Most remittance services would transfer funds using a domestic clearing network [NEFT] and hence the trace that funds originated outside of India is lost. There could be some generic remittance that may have direct tie-up with some banks to do direct transfers. How can we achieve this in either NRE/NRO accounts? If not, what are the other options ? You can do a Wire Transfer [SWIFT] from US to Indian NRE account. You can also use the remittance services [if available] from Banks where you hold NRE Account. For example RemittoIndia from HDFC for an NRE account in HDFC, or Money2India from ICICI for an NRE account in ICICI or QuickRemit from SBI etc. These would preserve the history that funds originated from outside India. Similarly you can also deposit a Foreign Currency Check into Indian Bank Account. The funds would take around month or so to get credited. All other funds can be deposited in NRO account.


An extra payment on a loan is, broadly speaking, a known-return, risk-free investment. (That the return on the investment is in reduced costs going forward instead of increased revenue is basically immaterial, assuming you have sufficient cash flow to handle either situation.) We can't know what the interest rates will be like going forward, but we can know what they are today, because you gave us those numbers in your question. Quick now: Given the choice between a known return of 3.7% annually and a known return of 7% annually, with identical (and extremely low) risk, where would you invest your money? By putting the $15k toward the $14k loan, you free up $140 per month and have $1k left that you can put toward the $30k loan, which will reduce your payment term by $1k / $260/month or about 4 months. You will be debt free in 14 years 8 months. You pay $14,000 instead of $16,800 on the $14,000 loan, reducing the total cost of the loan by $2,800, and reduce the cost of the $30,000 loan by four months' worth of interest which is about $175 (so the $30,000 loan ends up costing you something like $46,600 instead of $46,800). By putting the $15k toward the $30k loan, you cut the principal of that one in half. Assuming that you keep paying the same amount each month, you will reduce the payment term by 7 ½ years, and will be debt free in 10 years (because the $14,000 10-year loan now has the longer term). Instead of paying $46,800 for the $30k loan, you end up paying $23,400 plus the $15,000 = $38,400, reducing the total cost of the $30,000 loan by $8,400 while doing nothing to reduce the cost of the $14,000 loan. To a first order estimate, using the $15,000 to pay off the $14,000 loan in full will improve your cash flow in the short term, but putting the money toward the $30,000 loan will give you a three-fold better return on investment over the term of both loans and nearly halve the total loan term, assuming unchanged monthly payments and unchanged interest rates. That's how powerful compounding interest is.


There are several red flags here. can they get my bank account info in any way from me transferring money to them? Probably yes. Almost all bank transactions are auditable, and intentionally cause a money track. This track can be followed from both sides. If they can use your bank account as if they were you, that is a bit deeper than what you are asking, but yes they (and the polish cops) can find you through that transfer. I did look up the company and didn't find any scam or complaints concerning them. Not finding scams or complains is good, but what did you find? Did you find good reviews, the company website, its register, etc, etc? How far back does the website goes (try the wayback machine) Making a cardboard front company is very easy, and if they are into identity theft the company is under some guy in guam that never heard of poland or paypal. As @Andrew said above, it is probably a scam. I'd add that this scam leverages on the how easier is to get a PayPal refund compared to a regular bank transfer. It is almost impossible to get the money back on an international transaction. Usually reverting a bank transfer requires the agreement in writing of the receiver and of both banks. As for paypal, just a dispute from the other user: You are responsible for all Reversals, Chargebacks, fees, fines, penalties and other liability incurred by PayPal, a PayPal User, or a third party caused by your use of the Services and/or arising from your breach of this Agreement. You agree to reimburse PayPal, a User, or a third party for any and all such liability. (source) Also, you might be violating the TOS: Allow your use of the Service to present to PayPal a risk of non-compliance with PayPal’s anti-money laundering, counter terrorist financing and similar regulatory obligations (including, without limitation, where we cannot verify your identity or you fail to complete the steps to lift your sending, receiving or withdrawal limit in accordance with sections 3.3, 4.1 and 6.3 or where you expose PayPal to the risk of any regulatory fines by European, US or other authorities for processing your transactions); (emphasis mine, source) So even if the PayPal transfer is not disputed, how can you be sure you are not laundering money? Are you being paid well enough to assume that risk?


"I have no idea. It's astounding. A buddy on Facebook was asking if he should stay with Verizon and get the iphone 4. I said, ""why? It's a little kids screen with capped bandwidth?"" It was a rage-fest of people defending the iphone AND Verizon as if they owned part of the company - I don't mind the iphone, mind you, it's just reminiscent of Chevy vs. Ford- But to defend a company that charges you more and has a cap is just... scary."


Okay, I'll amend my complaint: Because we decided to have a fucking stupidly complicated system of social safety nets.  Seriously, though.  Those employees are better off with shit pay, but still eligible for government benefits than being paid a bit better and not getting any benefits.  As soon as people start to get somewhat better pay, they lose benefits of hundreds of dollars/month, and generally lose access to health insurance.  I'm not saying support Wal-Mart, I'm saying we've got a lot of work to do to fix our government programs and regulatory frameworks and tax code in pretty fundamental ways.


Truthfully, I don't know, but in actuality, a 4-5 billion dollar loss even isn't the big deal, it's more important that they lost almost 40B of market cap.  Now realistically it's relatively oversold in my opinion and they will make it back eventually, but that has more of an impact on them in the here and now.  As far as the offset you are asking about, I'm not sure, personally I don't trust any accounting practices of banks, in reality, it's entirely possible that not even the c-suite understands their exact financial position at any given time.  The reports of this loss actually came out about a month before they were even able to make an educated guess as to how much their losses would be.    In any case, there are much more qualified/knowledgeable people on here that could likely answer your question a bit better.


Given you other question and your resulting marginal tax rate, you may want to optimize where you hold each type of security.  If you still plan to have a regular investment account, it's hard to beat the low tax rate of Canadian dividends. In a TFSA, you won't pay tax on the dividend income, and you won't get a dividend tax credit either.  For some people in BC this actually costs them money as they have negative marginal dividend tax rates.  For you it seems to be 6%. Contrast this with any other holding in your regular account, interest at full marginal rates, and cap gains at half that.  Dividends still win in a regular account.


A large part of the cost seems to be that he created the physical space from scratch:   > Because Tortosa chose a brand-new building that had never been occupied, every single thing had to be built in. The upside is that he was able to create his dream space from scratch. The downside: That it cost him much more time and money.  He spent approximately $500,000 doing that, and he received $100,000 from the landlord for doing it. So he's out $400k. The landlord will get a furnished space if he folds.


The details of how you can convert your 5% equity share to cash or stocks will be detailed in writing in the legal agreement you have already signed. If you do not have any signed written agreement, there is no 5%. Since 0% of anything is zero, you can expect to get $0 some time within the next few years. Lastly, if the person running the business, tells you that there is 5% equity for you, even though it is not in writing, that is extremely unlikely to be the case. This is because the Seller of the equity has no obligation whatsoever to pay you. In fact, they are obligated by their other agreements with actual shareholders not to dilute their equity without good cause. So, odds are, if your agreement is not in writing, not only will it not be honored, but it probably can't be honored.


I guess the answer lies in your tax jurisdiction (different countries tax capital gains and income differently) and your particular tax situation. If the price of the stock goes up or down between when you buy and sell then this counts for tax purposes as a capital gain or loss. If you receive a dividend then this counts as income.  So, for instance, if you pay tax on income but not on capital gains (or perhaps at a lower rate on capital gains) then it would pay you to sell immediately before the stock goes ex-dividend and buy back immediately after thereby making a capital gain instead of receiving income.


Tradesi is the best local business directory in Melbourne which is provides you the opportunity of brand enhancing business to the next level and making it a time efficient way to boost your online identity. Tradesi is visible to large numbers of people searching for local business directory in Melbourne.


"Hey Ly Sok,   Do you do the standard practice of basically forcing people to go to several random stops, like a suit or jewelry shop, before taking people to their destination?   If so, I highly recommend you just charge more and stop doing it. Tourists shouldn't have to spend several days of their vacation figuring out they didn't need to waste time. From my trips to that area the single biggest factor of using a ""tuk tuk"" service was if they made those annoying stops. I get it, the shops pay for fuel, but I'd rather pay you more (it's still very cheap by $USD standards) than to waste time by making what should have a 5min ride into a 45min ride. There's nothing more valuable to me using vacation or a business visit than my time. Especially if in running late to something, heck I'd rather overpay a taxi and arrive on time.   So my advice, if you do those stops, make it very clear right when the passenger gets in. Don't try to trick them, people aren't stupid. Let them know they can pay less and spend time going to places you're basically marketing for, or pay more and get to their destination right directly."


I personally invest in 4 different ETFs.  I have $1000 to invest every month.  To save on transaction costs, I invest that sum in only one ETF each month, the one that is most underweight at the time. For example, I invest in XIC (30%), VTI (30%), VEA (30%), and VWO (10%).  One month, I'll buy XIC, next month VTA, next month, VEA, then XIC again.  Eventually I'll buy VWO when it's $1000 underweight.  If one ETF tanks, I may buy it twice in a row to reach my target allocation, or if it shoots up, I may skip buying it for a while.  My actual asset allocation never ends up looking exactly like the target, but it trends towards it.  And I only pay one commission a month. If this is in a tax-sheltered account (main TFSA or RRSP), another option is to invest in no-load index mutual funds that match the ETFs each month (assuming there's no commission to buy them).  Once they reach a certain amount, sell and buy the equivalent ETFs.  This is not a good approach in a non-registered account because you will have to pay tax on any capital gains when selling the mutual funds.


"This BBC article says that nuclear power notes came about when the French energy company EDF purchased British Energy in 2008: The note changes in value with wholesale energy prices and power output levels from British Energy's existing nuclear stations. EDF Energy's website describes these notes under the section titled ""Nuclear Power Notes"": When EDF acquired British Energy in January 2009, Nuclear Power Notes were issued to British Energy shareholders who chose to take them in lieu of 74 pence of cash per British Energy share held. The Nuclear Power Notes are ten year financial instruments (2009 – 2019) which give ex British Energy shareholders a continuing interest in the “EDF Energy Nuclear Generation Fleet”. They are traded on the ICAP Securities & Derivatives Exchange (formerly known as the PLUS Quoted exchange).   Each year a pre-defined calculation is performed to determine whether any cash will be paid to Nuclear Power Note holders. The calculation is dependent on the nuclear output of the EDF Energy Nuclear Generation Fleet (“Eligible Nuclear Output”) and market power prices (“Power Prices”). This calculation may or may not result in a cash payment each year to Nuclear Power Note holders. The MWh/TWh are figures you see are measures of watt-hours, i.e. energy output. The value of nuclear power notes is tied to this output. Looking at the most recent statement (June 2013), you can see a line that looks like this: Month Ahead Price in respect of July 2013: 47.46 GBP/MWh which is an energy spot price for the output of the nuclear plants. I'm not entirely sure of the relationship between this and the payment to shareholders, but if you look at the 2012 Yearly Payment Calculation Notice on the same page, you'll see this in the first section: (a) the Yearly Payment for the period 1 January 2012 to 31 December 2012, (the   Relevant Year ) payable in respect of each CVR on 31 January 2013 shall be zero; The payments were also zero for 2010 and 2011. The 2009 calculation notice, however, states that (a) the Yearly Payment for the period 1 January 2009 to 31 December 2009, (the Relevant Year) payable in respect of each CVR on 31 January 2010 shall be 11.497164 pence stated to 6 decimal places I presume that payment would have appeared in whatever account holds these notes, e.g. your brokerage account. Technically, the financial statements above refer to a Contingent Value Rights (CVR) instrument, which is a derivative linked to the Nuclear Power Notes. This site sums it up better than I can: The British Energy CVRs were created by the issue of nuclear power notes (NPNs) to the target’s shareholders who opted to take up this alternative. The NPNs were issued by Barclays Bank plc and were linked to guaranteed contingent value rights instruments that were issued to Barclays by EDF’s acquisition vehicle (Lake Acquisitions) and which were ultimately guaranteed by EDF Energy plc (Lake CVRs). Barclays is required to make yearly payments to noteholders for 10 years, the amount of which is limited to the corresponding amount paid by Lake Acquisitions to Barclays for the Lake CVRs. Basically, there is a chain of payments through these derivatives that eventually links back to nuclear energy output."


"No, I'm sorry, but the fact that exchanges allow ""pay to play"" privelege to scalp orders is fairly well established at this time. It's skirts law simply because the exchanges don't profit *directly* from it. I understand that folks are upset that SEC is looking into turning off this free money faucet, but harranguing Katsayuma for opening a fair exchange that shuns the practice is a point of contention for me."


1. Read history (Money of the Mind, Lords of Finance, bios of volker/greenspan, Against the Gods, Monetary History of the US, Citibank 1812-1970, If There Were No Losses, Technological Revolutions and Financial Capital) 2. Learn Python 3. Take accounting classes 4. Learn about whatever interests you and figure out how to build a thesis around it. Don't forget step 1.


This isn't what I found in my travels in India.  I visited several textile factories and while standards could have been improved for the men and women working there, it wasn't any more or less degrading than something like orange picking here in the US.  And not a child was in sight.  Instead, child labor has gone underground.  The family I stayed with has a live-in servant girl that they pay 2000 rupees a month ($40 USD).


Yes, there are plenty of sites that will do this for you. Yahoo, and MarketWatch are a few that come to mind first. I'm sure you could find plenty of others.


Nope. Everyone has a price.      You'd probably spend 1-2 years in prison for the right amount of money and a guaranteed multi-year high-paying position waiting for you after you got out. The company's legal team could work to scrub your record.    Politicians practically do the same thing... enter office, take a $175K annual salary for a few years, act as a vote proxy for a major corp, and exit office to a cushy high-paid corporate job.


Getting hired comes down to positioning yourself effectively as the best possible candidate, someone a potential employer sees as a valuable asset with high potential. In order to do that, it’s important to understand the top concerns employers have with hiring someone who's changing careers.


Unless you have insider information (ILLEGAL!!!) don't go high risk over this time frame.  It makes about as much sense as betting on the horses. Stick it in a 3 or 6 month GIC at the pathetic rates the banks are giving.


No.   The US manufactures more goods than any other country, and only China is close. However, instead of making clothes, the US makes higher value items, like medical equipment. The impression that manufacturing is dead in the US is because of this, and because manufacturing has become highly automated, so there are far fewer manufacturing jobs than there were in the past.


"I took a second mortgage when I moved house because I had a long-term fixed rate mortgage that would have incurred punitive fees if I had cancelled it. Rather than doing that I took a second mortgage over the same term for the difference. As my second mortgage was with the same lender, they still had ""First Charge"" on the property (This means that in the event of default they have first call on the property to recoup their losses), so the interest rate was not higher (actually it was slightly less than my first mortgage). My case is not that usual, normally a 'second mortgage' is with a separate provider that takes a ""Second Charge"" on the property. The interest rates are normally higher as a result as there is more chance that the lender will not recoup their money in case of a default as the first charge has priority. The second mortgage may still be cheaper than an unsecured loan, as the second charge provides some collateral, this might make it attractive if a sudden expense needs to be covered."


>[**5 ТОП Луших кранов для сбора криптовалюты! Биткоин кэш, Догикоин и другие! Лучшие сайты 2017 [3:10]**](http://youtu.be/0EOs52eVKgI)  >>¦ Ссылки на регистрации в проектах:  > [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7RK9aIUg) ^in ^People ^& ^Blogs  >*^1 ^views ^since ^Aug ^2017*  [^bot ^info](/r/youtubefactsbot/wiki/index)


Companies release their earnings reports over news agencies like Reuters, Dow Jones and Bloomberg before putting them on their website (which usually occurs a few minutes after the official dissemination of the report). This is because they have to make sure that all investors get the news at the same time (which is kind of guaranteed when official news channels are used). The conference call is usually a few hours after the earnings report release to discuss the results with analysts and investors.


I wish this was the case in Canada.  I lost about 60k on my home in one year and have to sell now to move for work.    In the US I could simply default and the bank takes the loss.  In Canada if I default, CMHC pays the bank, then I'm sued by CMHC and stuck with the bad debt.    Simply put - here the onus of repayment is on the lender, not the lending institution.  It sounds good until you are the one looking at losing your shirt.


* They have to accept some responsibility for submitting the order multiple times.  * If the price had gone up, would UBS be offering to return the shares they didn't mean to purchase?  * It hasn't cost them anything yet.  Not unless they sell the shares before the prices goes back up (which it likely will eventually).


"In your example, no one has exchanged anything yet: > All we have up to this point are promises, but no one has done any work yet.  When something goes wrong, no exchange has taken place so there is no direct economic impact, because no one is in debt. The farmer needs to get his barrel from somewhere else, but he has not lost anything other than time.  However in otherwiseyep's example, the cobbler has exchanged a pair of shoes for the promissory note: >Tell you what: if you can write me a promise to pay twelve Loddars in October, I can give that to the shoe-maker.""  When something goes wrong, there is a direct economic impact, because the farmer is in debt to the hunter, and the hunter is in debt to the cobbler.  I think otherwiseyep explains it best [in his response to another post](http://www.reddit.com/r/finance/comments/utf5u/where_has_all_the_money_in_the_world_gone/c4ypy2q)."


"Banks have to disclose up front the Annual Percentage Rate or interest rate that will be charged if you have an outstanding balance on a credit card. However, the APR of 19.9% is not charged all at once. For example if you had a $100 dollar balance on your credit card you would not be charged 19.9% interest or 19.90 making your new balance 119.90. Instead you would be charged the periodic rate which is one month's interest. You can easily calculate the period rate by dividing the APR by 12. So, 19.9% equals 1.65833% per month. This means if you had a $100 balance you would be charged 1.65833% interest or 1.66 making your new balance 101.66. Ask the bank or look on the website for a document called ""Cardholders Agreement"". If you can't find a link ask them for a copy so you can read all the fine print ahead of time."


"This is basically martingale, which there is a lot of research on. Basically in bets that have positive expected value such as inflation hedged assets this works better over the long term, than bets that have negative expected value such as table games at casinos. But remember, whatever your analysis is: The market can stay irrational longer than you can stay solvent. Things that can disrupt your solvency are things such as options expiration, limitations of a company's ability to stay afloat, limitations in a company's ability to stay listed on an exchange, limitations on your borrowings and interest payments, a finite amount of capital you can ever acquire (which means there is a limited amount of times you can double down). Best to get out of the losers and free up capital for the winners. If your ""trade"" turned into an ""investment"", ditch it. Don't get married to positions."


"This is the best tl;dr I could make, [original](http://www.slate.com/articles/business/moneybox/2017/07/why_can_t_americans_get_a_raise.html) reduced by 94%. (I'm a bot) ***** > While several states raised the minimum wage, the federal wage floor remained stuck at $7.25.  > Someone out of work for a year-and who had difficulty making mortgage payments as a result-is more likely to take the first job he could get, try to hold on to it for dear life, and accept poorer wages because the alternative to not having the job is difficult to imagine.  > Policy can certainly help: The $15 minimum wage movement we&#039;re seeing in many cities and states will certainly push some employers to raise wages.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ncd7p/what_westaboos_dont_wanna_see_why_cant_americans/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~166969 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*: **wage**^#1 **work**^#2 **job**^#3 **company**^#4 **American**^#5"


The trouble is that you're conflating crime with success. There are plenty of successful businessmen who have done absolutely nothing to you. Indeed, there are many whose only crime is that they provide goods and services that people want more than yours. Yet you would punish them as surely as any wall street banker who deliberately defrauded the people. Indeed, you would punish them with crushing taxation even whilst you fail to punish those who committed actual crimes and actually do deserve to be punished. This is why you're being ignored -- because you're attempting to disguise your greed as righteous indignation, and when someone points it out to you, you feign ignorance. I'm sorry, but we're not going to live our lives for you. You need to get a job.


"The real reason credit cards are so popular in the US is that Americans are lazy and broke, and the credit card companies know how to market to that.  Have you ever heard of the $30k millionaires? These were individuals that purchased as if they were some of the wealthy elite, but had no real money to back it up. American society has pushed the idea of ""living on credit"" for quite some time now. An idea that is even furthered by watching the US government operate solely on credit. (Raise the debt ceiling much?) Live in America for more than six months and you will be bombarded with ""Pre-Approved Deals"" with low introductory rates that are designed to sucker the average consumer into opening multiple accounts that they don't need. Then, they try and get you to carry a balance by allowing low minimum payments that could take in the neighborhood of 20 years to pay off, depending on carried balance. This in turn pads the credit companies' pockets with all of the interest you now pay on the account. The few truly wealthy Americans do not purchase on credit."


Investopedia got some good tutorials on stocks and a good simulator to play around without loosing hard earned money.  http://www.investopedia.com/university/stocks/  http://www.investopedia.com/simulator/


As buildings become older, they need thorough as well as continuous maintenance.Often we can see cracks in the foundation due to poor quality of foundation works.In such cases, it is very important to strengthen the foundation, so that the building remains in the safe zone.


"Your employer appears to be stealing from you. I know, Canada -- but I'm assuming you have the distinct pleasure of getting paid in local currency. I know it's easier said than done, but if you can code decently in something like Ruby, just look online for local hackathons and Startup Weekend events.  Every single on I have attended, one or more professional speakers ends their presentation with ""and we're hiring developers"". Even if that doesn't happen, you'll get some great opportunities for networking and you will have a rudimentary public project to share with potential leads.  Plus they are fun."


Making a profit in trading is not a function of time, it's a function of information, speed, and consistency. Regardless of how much time you spend learning about trading, there is no guarantee that you will ever become profitable because you will always be competing against a counter-party who is either better- or more poorly-informed than you are.  Since trading is a zero-sum game, someone is always a winner and someone else is always a loser. So you need to be either better informed than your counter-party, or you need to be as well informed as them but beat them to the punch. You also need to be able to be consistent, or else eventually you will get wiped out when the unexpected happens or you make a mistake. This is why resources such as full-time professional analysts, high-speed trading terminals/platforms, and sophisticated algorithms can provide significant advantages. Personally, I think that people with talent and those kinds of resources would take all my lunch money, so I don't trade and stick to passive investing. One funny story, I once knew a trader who was in the money on a particular trade and went out to have a drink to celebrate. The next day, she remembered that she had forgotten to exercise the options. Luckily, they had expired while in the money, and by rule had been exercised automatically as a result.


I am kicking myself for closing the pages I had open regarding this. After some further probing, I found that the information I had read earlier was partly false, and that Samsung and LG manufacture their products independently. I suppose that's what I get for doing only cursory research. I'll edit my comment accordingly.   The fact that they are competitors still stands. [The Wikipedia entry](http://en.wikipedia.org/wiki/Samsung_Electronics) for Samsung lists LG as its main competitor in multiple areas, and the two have [had](http://www.techieinsider.com/news/15215/lg-samsung-battle/) [their](http://www.engadget.com/2012/09/05/samsung-asks-for-south-korean-injunction-against-lg/) [share](http://www.digitalversus.com/lg-strikes-back-oled-patent-war-against-samsung-n26315.html) of disputes.


There are two very small catches. You have just increased your available credit.  In some cases when you want to make a loan, they will check your available credit against your creditworthiness (your income and credit history). In the short term with a greater credit limit, you may have more difficulty getting a large loan.  On the other hand, your greater credit limit will make you seem more creditworthy (as you have been walking around with the ability to borrow a whole pile and demonstrated the ability to not go bankrupt). The other possible catch is that if something goes wrong and your credit line is maxed (maybe you have a psychotic episode; maybe you give your credit card and pin number to someone who buys a car on you), your liability is larger. If you can maintain spending discipline and don't need every ounce of credit head room right now, neither of these apply.  In the medium to long term, a lower credit utilization and a higher total limit will make you more creditworthy.


What are you missing? Volume. Bank of America is more than willing to refinance a loan from Wells Fargo as long as the loan is still profitable. There are some caveats with that, though. For one, many land have penalties if they are paid off within two or three years. Additionally, the fact that banks are offering to refinance at great rates doesn't mean that you'll be approved, or that you'll get those rates. If you could post some actual numbers, we could help you see if it's a good deal to refi, and explain exactly where the bank expects it's profit.


"when you contribute to a 401k, you get to invest pre-tax money. that means part of it (e.g. 25%) is money you would otherwise have to pay in taxes (deferred money) and the rest (e.g. 75%) is money you could otherwise invest (base money).  growth in the 401k is essentially tax free because the taxes on the growth of the base money are paid for  by the growth in the deferred portion.  that is of course assuming the same marginal tax rate both now and when you withdraw the money. if your marginal tax rate is lower in retirement than it is now, you would save even more money using a traditional 401k or ira. an alternative is to invest in a roth account (401k or ira). in which case the money goes in after tax and the growth is untaxed.  this would be advantageous if you expect to have a higher marginal tax rate during retirement. moreover, it reduces tax risk, which could give you peace of mind considering u.s. marginal tax rates were over 90% in the 1940's. a roth could also be advantageous if you hit the contribution limits since the contributions are after-tax and therefore more valuable. lastly, contributions to a roth account can be withdrawn at any time tax and penalty free. however, the growth in a roth account is basically stuck there until you turn 60. unlike a traditional ira/401k where you can take early retirement with a SEPP plan. another alternative is to invest the money in a normal taxed account.  the advantage of this approach is that the money is available to you whenever you need it rather than waiting until you retire.  also, investment losses can be deducted from earned income (e.g. 15-25%), while gains can be taxed at the long term capital gains rate (e.g. 0-15%). the upshot being that even if you make money over the course of several years, you can actually realize negative taxes by taking gains and losses in different tax years. finally, when you decide to retire you might end up paying 0% taxes on your long term capital gains if your income is low enough (currently ~50k$/yr for a single person). the biggest limitation of this strategy is that losses are limited to 3k$ per year. also, this strategy works best when you invest in individual stocks rather than mutual funds, increasing volatility (aka risk). lastly, this makes filing your taxes more complicated since you need to report every purchase and sale and watch out for the ""wash sale"" rules. side note: you should contribute enough to get all the 401k matching your employer offers.  even if you cash out the whole account when you want the money, the matching (typically 50%-200%) should exceed the 10% early withdrawal penalty."


Don't pay it, see a lawyer.  Given your comment, it will depend on the jurisdiction on the passing of the house and the presence of a will or lack thereof.  In some states all the assets will be inherited by your mom.  Debts cannot be inherited; however, assets can be made to stand for debts.  This is a tricky situation that is state dependent.   In the end, with few assets and large credit card debt, the credit card companies are often left without payment.  I would not pay the debt unless your lawyer specifically told you to do so.   Sorry for your loss.


Have them contact their embassy for help. They may be able to facilitate the transaction. This answer assumes that this isn't a scam, and that the 'friend' is really in trouble.


Buy a land and build a house. Then plant wine trees. Hire people after like 5 years and start to do and sell wine. A beautiful business :-) A second opation is to buy a houses in a city and rent rooms.


Yes, that is a problem. When you have ex-Goldman Sach's CEO's become Treasury Secretaries or Governors of NJ, they are bound to have influence that favors their older company.   Hence we need agencies like Elizabeth Warren's CPFB that audits and checks the govt.   However, my main point is that you cannot expect exchanges to self regulate so the min. HFT hold time of 5 secs imposed by exchange will likely not happen by the exchange on its own volition. You will need govt. law to impose it.


well you had it a bit backwards. the more liquid a market is, the less important the idea of insider information becomes. this is the opposite in less liquid markets - such as low volatile stocks about to announce earnings. knowing the earnings would net you a much larger percentage than, say, knowing if the ECB will cut rates of not. the change will be a much larger % and as with currencies, it is more important to know what the major players are planning - as in, central banks and reserves, carry trades, etc.


"If a person is not a U.S. citizen and they live and work outside the U.S., then any income they make from a U.S. company or person for services provided does not qualify as ""U.S. Source income"" according to the IRS.  Therefore you wouldn't need to worry about withholding or providing tax forms for them for U.S. taxes.  See the IRS Publication 519 U.S. Tax Guide for Aliens."


Hang on, hang on... I am willing to bet there are a lot of farmers that do it for the money, and a lot that do it because they want to provide a better product (e.g. free range pigs) along with the money.  My point was they're not mutually exclusive. Same goes for pharma. And frankly I've contracted in the industry. I've seen heads of R&D get tipsy and come to tears thinking of the kids they've seen with fibrosis in poor countries. I never said they're a charity - they're not - however, I've seen them do amazingly charitable things when instead they could've just given back to shareholders.


The real question you should be asking is how much should tax dollars, and govt in general, really be responsible for? The only reason you think it might be acceptable to increase taxes on investments is because you want more money going to govt and to whatever you think govt should be responsible for doing. Well, I probably think it should be responsible for less. And there are likely to be folks who think govt should do even more than you believe.  Who's right?


How would I go about this so that I can start using this money? You would open the LLC. The checks were not written out to you, they were written out to the LLC. Only the LLC can endorse them.


You could make a browser plugin that did that I would think.  Does such a thing exist already?  It would track which sites you go to, and for how long. And whichever sites accepted payment through them it would distribute your budget to every month.  I imagine you would have to review the payment at the end of the month, just to verify and to prevent fraud.


Let's change up the factors in this equation.  Bruce is a board member of a company providing seed for corn and other crops to farmers all over the nation. John is a candidate, and one of his platforms is to eliminate all agricultural subsidies. Bruce campaigns very vocally for John, and John wins the election.  Should Bruce get a bad grade as a board member because of this? To be clear... we are not talking about a removing him from the board at this point. Just a grade. I don't really see how you don't factor Bruce's support for John into this equation when making the grade.


It doesn't matter. An email service does not appear less professional then a URL.  While a URL is nice, it's not a major eyegrabber in the world of professionalism, only how you manage yourself and the work you put out will determine your professionalism.  In the end, don't worry about the email; worry about the work and the quality.


"Your relatively young age and the current very low bond interest rates make annuities a very poor buy. And most of the other suggestions you have mentioned have very low diversification, which exposes you to imprudent risks. Buying shares for dividend income can solve the diversification problem by averaging out your totals as different shares change by different amounts. There is no really good solution to the problem of share price volatility except to ignore it: Take your dividends and pretty much ignore the bouncing around of the share price. They usually recover in a year or three. Owning shares of companies that reliably increase their dividend payouts is the only investment type that gives you both diversification and regularly increasing income to counteract inflation over the years. Read some investment books and consider consulting with a financial advisor who charges a fee for the advice. I.e., you don't want ""free"" advice."


Great advice! Whenever you hear criticism or praise, remember that it is just coming out of one individuals' mouth. It is the opinion of one person out of the other 7 billion. Be humble when praised and thick skinned when criticized, but do listen and take in consideration all feedback.


Already 20% of lattice sold in NJ is grown in a huge former warehouse in Newark NJ.  **Wait until meat is grown in labs, in 5-10 years!**  Then cows, pigs, sheep, goats, chicken and turkeys will a curiosity animal only existing in Zoos. Most of global warming and pollution will be gone (raising farm animals is bigger polluter and harmful gas emission than cars) and food will be dirt cheap, clean and healthy.


"Regardless of what the credit reporting agencies or brokerages say, the fact is that brokerage margin is not reported to the credit reporting agencies. I have ""borrowed"" hundreds of thousands of dollars on margin from dozens of brokerages over the years and have never seen a dime of it reported nor have I ever heard of it ever being reported for someone else.  ...and it's easy to see why this would be so because ""borrowing"" on margin isn't really borrowing at all because you always must have positive equity in the account at all times. So you aren't borrowing anything, you just have an investment contract that determines your gains/losses as if you had borrowed (in other words, it's simulated)."


"The other answers demonstrate that you'll receive a paltry amount of money in two days, by comparing to things like wages, the cost of electricity, etc. But the real point is you're incurring risk by paying late, in particular, the realistic risk of the post office messing up. That's not worth it, and it's this kind of overhead that people usually mess up when trying to optimize their finances. (More commonly, it's ""I can save 5 cents by doing this, but there's about a 400% chance I'm going to mess everything else up since I don't have infinite mental bandwidth). You asked a good and important question, but for your actual situation I must emphasize it's terrible personal finance to risk dropping your books for a superficial optimization."


I've only got the equivalent of an associates (I think). It's a three year program at the Technologist level. It was not an easy program. We lost 1/3 of the remaining class each year it seemed. I think the money is due to the multidisciplinary nature of the work. Chemistry, electronics, mechanics, physics, programming, networking, all at a reasonable level on a daily basis. Plus there is an insane amount of responsibility right out of the gate and some people don't handle that well.


Holmes, then Senior Vice-President of the New York Federal Reserve, noted that the key Monetarist policy prescription of regulating the economy by “a regular injection of reserves” was based on “a naïve assumption” about the nature of the money creation process:  The idea of a regular injection of reserves—in some approaches at least—also suffers from a naïve assumption that the banking system only expands loans after the System (or market factors) have put reserves in the banking system. **In the real world, banks extend credit, creating deposits in the process, and look for the reserves later**. (Alan R. Holmes, 1969, p. 73)  Holmes would turn in his grave at Krugman’s naïve assertion, half a century later, that banks need deposits before they can lend.   commercial banks can create money out of thin air:  http://www.youtube.com/watch?v=zc_fpGfyqGE&feature=player_detailpage#t=509s  http://www.youtube.com/watch?list=UL327SJH0xcew&v=327SJH0xcew&feature=player_detailpage#t=597s


> Not to mention that pnl is really all you have to judge a trader  Annnnd this is how I know your only experience is retail trading.  Voice trading still represents a large amount of volume in the market (especially in OTC products) and having existing relationships is a guarantee for better points.  I see the reality of this every fucking day.    Not to mention traders performance is also susceptible to in house analysis and risk management... both of which at a major firm are determined and managed by different individuals (research and risk officers).  It's not like Two Sigma welcomes you in, gives you a $500 mio FI portfolio and lets you do whatever the fuck you want.  Hedge fund traders operate under the strategy that was profiled to the investors.  Traders are there to execute profit earning transactions within the guidelines of the overall strategy of the firm and within their risk profile... Meaning if you're managing a pension fund on a global macro strategy at one firm and achieve moderate returns of 15-20%, you're going to be viewed far more favorably than at another firm making 20-25% managing an alternative investments/listed derivatives fund.


"The title of the article is totally misleading. It could just as easily have been ""taking food stamps away from Americans hurts the poor"".  It's just a ramble of statements with nothing specific to support any of them.  There's no explanation as to why NAFTA is not benefitting Americans. And at points the comments are contradictory - he mentions that free trade supports growth... well duh.  Save yourself 30 seconds of your life and take a pass on this post."


"I started with lending club about a year ago.  I love it.  It has been insightful.  Off topic, but I am in a loan to a guy who make 120K a year and is regularly late and has a pretty high interest rate.  Crazy. You gain some economies of scale by going with a bigger note.  I have $100 notes that I get hit for 2 or 3 cents for a fee, where $25 notes are always a penny.  However, I don't think that should be your deciding factor. I scale my note purchases based on how much I like the status of the borrower.  For example, I did $100 (which is currently my max) for a guy with a reasonable loan amount 16K, a stable work history (15+ years), a great credit history, and a great interest rate (16.9%).  If one of those things were a bit out of ""whack"".  I might go $50, two $25.   I prefer 36 month notes, really 5 years to get out of debt?  It is unlikely to happen IMHO. Keep in mind that if you invest $100 in a loan, then you get one $100 note.  You can't break them up into 4 $25 notes.  For that reason, if you are likely to want to sell the note prematurely, keep it at $25.  The market is greater.   I've had a lot of success using the trading account, buying further discounted notes for people who want out of lending club, or get spooked by a couple of late payments and a change in billing date.   Another advantage of using the trading account is you start earning interest day 1.  I've had new notes take a couple of weeks to go through.   To summarize: There are some other things, but that is the main stuff I look at."


"When it comes to Norway there is also a cultural aspect, that translated into politics: Natural resources are seen as belonging to the people. Therefore, natural resources are not sold to the higher bidder. For instance, the oil companies pay an extremely high extra tax in Norway - around 80 % tax. This means that most of the profit from the oil and gas goes back to the people and are put into a common wealth fund - rather than going to a few share holders in oil companies. Over the years, this has added up to a considerable amount of money. This would not work in places like the US, because it is seen as ""Socialism"" not to let the oil companies and others rip off the population"


It means a government giving out money to encourage a particular product (or service) to be bought or sold. Some people will use the word more loosely to refer to any financial incentive, even if it's not coming from the government. Wikipedia has a list of examples that may be helpful: http://en.wikipedia.org/wiki/Subsidy A commonly-mentioned one is farm subsidies, where farmers are paid to produce certain crops.


I had an RRSP account with a managed services account at a major Cdn bank that increased its fees to $125 a year per account.  Because I could not trade any of my funds living in the US, it made no sense to throw away $500 a year for nothing (two accounts for me and two accounts for my wife - regular RRSP and locked in RRSP).  I was able to move all my accounts to TD discount brokerage without any issue.  I did this two years ago.


Revenue is not profit. The *vast* majority of that revenue goes to the rest of the value chain of the products (manufacturers & distributors). [Wal-Mart's profit margin is 3.77% of revenue](http://finance.yahoo.com/q/ks?s=WMT).  It's like saying VISA gets all the hundreds of billions of dollars people put on their credit cards, which is true, for a short period of time.  But if you dont want to do any critical thinking and just looking for confirmation of your beliefs, this infographic is great. :P


"You are forgetting one crucial point regarding the money supply.  The US Federal Reserve increases the money supply, meaning some of the money is not really loaned, it just appears out of nowhere.  At first glance this seems even worse: over the short term, the Fed changes the money supply to help the economy in whatever way it sees fit.  But over the long term, the money supply increases to reflect economic growth.  As new technology is introduced, more can be accomplished with the same labor and resources, and thus the money supply needs to be increased.  Money is really just a convenient replacement for the barter system, so if there are more things to barter ""for"" (goods and services) then there should also be more things to barter ""with"" (money). Also keep in mind inflation.  The cost of goods and services goes up over time due to the inflation of currency, and so the money supply must also be increased so that those goods and services do not artificially increase in value, which would be very bad."


I don't understand why that's a rip off, it was cheaper to have one less battery design and they were able to get cars to more customers because of that. Obviously they have a nice profit margin that they cut into to offer it, but based on the market size it made more sense to do that, customers are happy too because they get to defer cost for a nicer car, or get more life out of the one they bought?


If you work for crap wages at Walmart or mcdonalds and are still there making crap wages 14 years later then you have done nothing to better yourself. If you're not willing to invest in yourself and demand a better paying job then why do you expect to get hand outs. The system is complicated it can be won but you have to be willing to work hard for it. Too many people sit on their hands and wait for hand outs.


Oh man.  There was a nice place that kept the bar open late.  Out of college we'd go there later in the evening (after ten) now and then.  The bar tenders actually learned who we were (they weren't a busy place that late) and would rarely charge us for more than a few drinks.  We'd order small plates and stuff too.  I'd try to tip at least based on what stuff SHOULD have cost so the tip was almost always bigger than the bill.  Loved that place.


"> You really believe everything they're selling you?  I am willing to challenge my beliefs. Other than my conclusion of ""strong government makes demands but is still good"", what in any of my last post do you think is wrong?"