"If they return to their earlier prices Assuming I don't make too many poor choices That's your problem right there: you have no guarantee that stocks, will in fact return to their earlier prices rather than go down some more after the time you buy them. Your strategy only looks good and easy  in hindsight when you know the exact point in time when stocks stopped going down and started going up. But to implement it, you need to predict that time, and that's impossible. I would adopt a guideline of ""sell when you've made X%, even if it looks like it might go higher."" Congratulations, you've come up with the concept of technical analysis. Now go and read the hundreds of books that have been written about it, then think about why the people who wrote them waste time doing so rather than getting rich by using that knowledge."


Supplier of Quartz Grit in India http://quartzpowdermanufacturers.com/supplier-of-quartz-grit-in-india.php#supplier-quartz-grit-india Supplier of Quartz Grit in India, Manufacturer of Quartz Grit in India - Shri Vinayak Industries is offering high grade Quartz Grit. We produce finely processed Quartz Grit by our super efficient production unit. We are dominant supplier, Manufacturer and exporter of Quartz Grit. Usage of Quartz Grit in tiles, Ferro alloys, Ferro silicon, Ferro chrome, oil drilling, artificial granites, and electrical industries. Other applications of quartz grit are in steel industries, sugar refining, dairy farms, paper industries, chemical industries and water treatment plants.


We frequently get whole insurance vs term insurance questions; and most of the answers will support term insurance.  We get questions regarding getting insurance before there is a need in case there is a problem getting it later. And for most people it doesn't make sense to over-insure early. You have asked from a slightly different position, you have a more solid reason to be concerned about your health. You don't have a need now, and can't estimate what your need will be, or when it will be. Those numbers you quote may seem high, but when you don't know how many kids you may have, or what you will need to protect against, they may turn out to be inadequate when you do need the insurance. You need to sit down with a fee only financial planner. They can lay out your options today, and as your situation changes.  Then as the years go by, have that plan reexamined. The fee only planner will not tell you what company to buy insurance from, or what funds to invest in, but they will help you decide what types of protection and investment you need.


I use RetailMeNot all the time. I don't bother keeping pizza coupons anymore. If I want to order delivery, I just get a coupon code from there, order online, and save myself a few bucks.


In the UK, the Osper card would do the trick exactly. The closest thing I can find in the US is the USAA Youth accounts which appear to be what you need but have some restrictions on mobile access until the youth is 13.


Just looking at your question I can tell it's not worth it financially, even if you didn't borrow the money to do it. At your current rate, you'll be making 54,384 in 5 years, which is roughly a growth of 2.5% per year.  If you go for the masters, in 5 years you'll be making 55,680, with roughly the same growth rate (2.5%). So it's costing you $70,000 (the cost of school plus the 2 years of reduced income) to raise your salary by $1,300.  The payback period would be about 25 years.  It would be MUCH worse if you borrowed the money to do it. Not a chance.


"In order for a commodity to be offered as a future, the exact specifications must be specified by the exchange. This includes not only the particular grade, strain, etc (depending on what we are talking about) but also the exact delivery location (otherwise transportation costs is an issue as you noticed).  Once there is a standardized contract, the exchange can match up buyers and sellers who are agreeing to the terms of the contract.   From a fun little article on commodities: ... you will have to go either to Europe to trade European Processing   Potato futures on Eurex [...], or to India, to the Multi Commodity Exchange of India   (MCX). [...] On the MCX, two different types of potato are deliverable, ""Agra""   potatoes with the 3797 as its ""basis variety"" of potato and   ""Tarkeshwar"" potatoes with the Kufri Jyoti as its ""basis variety."" So let's look at an example, the Agra future contract on MCX.  It specifies  (size measured from at  least one side by way of  passing through sieve)   • Acceptable size 4–8 cm   • Rejected If below 4 cm and above 8 cm exceeds 5% ... and more details regarding the financials."


The main factors you have to consider are: Could you get a better return on that money by investing it somewhere?  The investment rate should basically be more than the mortgage rate. If you find yourself suddenly in need of money (eg, loss of job) do you have enough savings to ride that out?  If not, investing the extra money in an instant access investment, even at a lower rate, may make sense as it gives you future flexibility. Do you have any other debts that are at a higher rate?  If so, pay those off first as you will get more bang for your buck.


The link provided by DumbCoder (below) is only relevant to UK resident investors and does not apply if you live in Malaysia.  I noticed that in a much older question you asked a similar question about taxes on US stocks, so I'll try and answer both situations here. The answer is almost the same for any country you decide to invest in.  As a foreign investor, the country from which you purchase stock cannot charge you tax on either income or capital gains. Taxation is based on residency, so even when you purchase foreign stock its the tax laws of Malaysia (as your country of residence) that matter. At the time of writing, Malaysia does not levy any capital gains tax and there is no income tax charged on dividends so you won't have to declare or pay any tax on your stocks regardless of where you buy them from. The only exception to this is Dividend Withholding Tax, which is a special tax taken by the government of the country you bought the stock from before it is paid to your account. You do not need to declare this tax as it his already been taken by the time you receive your dividend. The rate of DWT that will be withheld is unique to each country.  The UK does not have any withholding tax so you will always receive the full dividend on UK stocks.  The withholding tax rate for the US is 30%.  Other countries vary. For most countries that do charge a withholding tax, it is possible to have this reduced to 15% if there is a double taxation treaty in place between the two countries and all of the following are true: Note: Although the taxation rules of both countries are similar, I am a resident of Singapore not Malaysia so I can't speak from first hand experience, but current Malaysia tax rates are easy to find online. The rest of this information is common to any non-US/UK resident investor (as long as you're not a US person).


Though I do think it is important to have a diversified portfolio for your retirement, I also think it's more important to make sure you are at no point touching this money until you retire. Taking money out of your retirement early is a sure fire way to get in a bad habit of spending this money when you need a little help. Here's a tip: If you consider this money gone, you will find another way to figure out your situation.  With that said, I also would rather not put a percentage on this. Start by building your emergency fund. You'll want to treat this like a bill and make a monthly payment to your savings account each month or paycheck. When you have a good nine times your monthly income in here, stop contributing to this fund. Instead start putting the same amount into your IRA instead. At this point you should no longer have to add to your emergency fund unless there is a true emergency and you are replacing that money. Keep in mind that the amount of money in your emergency fund changes significantly in each situation. Sit down with your bills and think about how much money you would need in the event you lost your job. How long would you be out of work? How many bills do you have each month that would need to be covered?


What effort did you exactly put into this lawsuit?  The lawyers spent years working and millions of their own money pursuing a massive case on behalf of the general public.  Class actions are insanely complicated and fee like this ought to put large companies like Ticketmaster on alert to ensure their policies are legal and fair.  Why does it bother you that people are paid for the work they do?  Maybe you'd rather companies include small fees and charges in their transactions.  By the time you realize you'd been screwed out of $5, $10, $50 it would be gone.  You could go to court and probably get it back but that requires time and probably cost you more than it would be worth.  That is exactly why these types of cases are adjudicated as class actions, the individual wrong is too small to pursue but grouped together make a big impact.


Dave Ramsey says you need to have at least $1000 in savings. The philosophy is that any typical emergency will cost you $1000 or less. Let me tell you - this has saved me more than once. Savings account is very liquid whereas you have no guarantees with the HELOC. Yes, debit is bad but you need to save and utilize the debt snowball method to pay down all your debt, including the HELOC. I would say the HELOC would be lower on the priority list than a credit card in terms of paying off.


Gold's valuation is so stratospheric right now that I wonder if negative numbers (as in, you should short it) are acceptable in the short run.  In the long run I'd say the answer is zero.  The problem with gold is that its only major fundamental value is for making jewelry and the vast majority is just being hoarded in ways that can only be justified by the Greater Fool Theory.  In the long run gold shouldn't return more than inflation because a pile of gold creates no new wealth like the capital that stocks are a claim on and doesn't allow others to create new wealth like money lent via bonds.  It's also not an important and increasingly scarce resource for wealth creation in the global economy like oil and other more useful commodities are. I've halfway-thought about taking a short position in gold, though I haven't taken any position, short or long, in gold for the following reasons: Straight up short-selling of a gold ETF is too risky for me, given its potential for unlimited losses. Some other short strategy like an inverse ETF or put options is also risky, though less so, and ties up a lot of capital.  While I strongly believe such an investment would be profitable, I think the things that will likely rise when the flight-to-safety is over and gold comes back to Earth (mainly stocks, especially in the more beaten-down sectors of the economy) will be equally profitable with less risk than taking one of these positions in gold.


> Regulators are questioning the safety of bus travel after 28 people died in eight crashes this year.  OK, how many died in car crashes last year. I'd bet my life it was a lot more than 28. I'm guessing the airlines told the NTSB regulators to take a closer look at their competition.


Very much doubt it, most truckers I have met are private contractors and own there truck, Wal-Mart or Amazon for that matter could decline a job based on the notion your working for a competing company and there investment in you could lead to loss for them and gain for there competitor


Vanguard might be the top provider of no-load mutual funds around.  Attempting to do better than 0.13% in fees is just as likely to cost you more time than the money you're attempting to say.  You're in your first job out of school--you've got better things to do with your time.


Majority of Pacific countries have relationship with North Korea, including trade. There are also a lot of regional group and treaty that Trump can't just run rough shot without being literally thrown out of the group.  But I for one want to see Trump tries to cut off trade with China. That would be hilarious. (ie. US consumer will have to live with90's technology overnight.  in some cases, no TV, no iphone, no laptop, no garment, no walmart/amazon junk)


Does the above mean I will not be able to send money to myself or my mother Yes that is right. PayPal will only be used for small trades. The credits into PayPal cannot be used to purchase anything, and will have to be credited back to the linked Bank Account. This is to ensure right reporting and taxes are being paid. You could use alternative Bank channels for getting funds.


Interestingly, An IAMA going at the moment may prove a very plausible reason behind some of these markets.   >I am the sole exporter (In the way of legalized monopolies) of Apple products into certain parts of the world. This enables me to sell the $650 iphones sold here in apple stores for 200%-500% mark ups as well as all other Apple products.  .  >This had nothing to do with apple. I got in touch with the government agencies that regulate such matter in the countries that I work with. It's funny, Apple can't sell their own product there unless they go through me.   http://www.reddit.com/r/IAmA/comments/10tyhf/i_am_a_multimillionaire_amaa/c6gnrw0?context=3


"That's a great point. I do happen to have heard that, but here's why I don't care to pursue that option:  - I don't ever need anything right away, maybe I'm just weird that way.  - I would still have to drive and park at Best Buy, spending at least a half hour instead of 30 seconds to complete the purchase.  - I don't like being inside a Best Buy, on a visceral level.  - Memories. Bad memories.  - I feel like I'm going to be made to feel like a conniving schemer if I actually attempt to exercise a price match, with some Simpsons character of a clerk fumbling aimlessly on a computer for 20 minutes before summoning a high school age ""manager"" to perform an ""override."""


As per the Canada-U.S. Tax Treaty (the “Treaty”), a U.S. corporation carrying on business in Canada is only subject to taxation on income earned in Canada through a fixed place of business or permanent establishment. Therefore, if a U.S. company does not have a permanent establishment (PE) in Canada then their Canadian source business income is not subject to Canadian federal tax. https://www.fin.gc.ca/treaties-conventions/USA_-eng.asp


This is great. I have a question though. What happens if I have all of the plans for finance mapped out and ready to meet a potential investor, but the idea that I bring with me is not patentable? I certainly would like to get financing and let the investor know what I want to accomplish, but I don't want to give away my idea and have the investor take my idea and run his own company with it. How is this dealt with?


I haven't seen one of these in quite some time. Back in the 1970s, maybe the 1980s, stock brokers would occasionally send their retail clients a complimentary copy once in a while. Also, I remember the local newspaper would offer a year-end edition for a few dollars (maybe $3) and that edition would include the newspaper company's name on the cover. They were very handy little guides measuring 5 1/2 x 8 (horizontal) with one line devoted to each company. They listed hundreds of publicly traded companies and had basic info on each company. As you stated, for further info you needed to go to the library and follow-up with the big S&P and/or Moody's manuals. That was long before the internet made such info available at the click of a button on a home computer!


"Regarding vehicle property tax in Virgina. The big difference is that business vehicles don't get a tax break: Under Virginia law -- the Personal Property Tax Relief Act of 1998   (PPTRA, also known as the ""No Car Tax"" legislation) -- the State   planned to subsidize 100% of the taxes on personal use vehicle   assessments below $20,000 by the year 2002. In passing this law, the   State effectively pledged state revenue to pay local governments   throughout the Commonwealth a subsidy in lieu of personal property   taxes that local governments would have otherwise collected directly   from taxpayers. At present, the State pays approximately 62% of the   bill, and the taxpayer pays the remaining 38%. These rates are subject   to change annually. The taxpayer must pay the full amount of taxes on   any vehicle assessment that exceeds $20,000. Only personal use   vehicles qualify for PPTRA. If that vehicle is worth 20K then a business will pay 4.57% of 20,000, but an individual will pay 4.57% of 7,600. A difference of $566 per year."


"For their current operations, they need people because of all the rules and regulations around the world. It's not ""random dude downloads the app and becomes a driver"" everywhere. In Sweden, you need to have a registered taxi fleet company and you need to be a licensed taxi driver in order to operate any taxi business. Then you can drive for whoever you want, including Uber. Those regulations need to be handled by staff. Then there's the marketing department in every country/city.  As for the developers, I'm guessing many of them work on things of the future. I guess they're preparing for driverless cars?"


While this is a totally personal decision, I still think it would be a good idea to have some life insurance simply because you have someone that is currently dependent on your income.  Yes you have about 22 years in retirement, but if you consider taxes and market risk, there's still some uncertainty there.   Also, while your wife may be willing and able to work now, will she want to do that for years just to earn living expenses?   I would look at the costs on 10-year term life insurance and see if it's worth the extra peace of mind to you and your wife.  If your wife is fine with using your retirement as life insurance, then you can probably be OK without it. So to answer the question, it may be acceptable, but it's generally a very cheap way to get a lot of peace. I would not worry too much about the opinions of your parents - unless they are going to pay for the insurance, it's your decision.


sweeping.co.uk is a better sit to deliver corporate espionage for U.K. and it also give some other challenging item like bug sweeper and Bug sweep services for challenging situations has some additional item bug sweeping and it conduct a visual physical services and TSCM services problems are found our team can gather bugging devices etc. for more info:- http://www.sweeping.co.uk/


I swear on my grave that this is exactly why I got into automation and the technology behind it. It's booming, and there are a stupid amount of jobs at all levels.   >First year out of college 70, then 100 the next. I was offered another job via networking last winter so this year I made 80 but I work at a much better pace and have much more control over what I do, and I don't have to travel. I used to like all the travel though. I'm just following through on another offer this week which is another raise with more perks.   I graduated in 2008 during the deepest part of the recession.   It's not bragging because none of you know who I am. Frankly I'm not sure what to think.


No. There is no asset associated with your short position, so there's nothing to gift. The short position in the stock is purely a liability. When you note that you have a profit in the position, what you mean is that the cash you made when you shorted the stock is more than enough to cover the short position. The only asset in this picture, then, is the cash you made when you entered the short position.


"The few individuals who create the corporations that take advantage of the sharing economy, making it broadly accepted and utilized, make billions.  Those who actually do the work of ""sharing"", not so much, unless they are able to do so out of excess of funds rather than through borrowing.  Those who utilize the sharing economy save some money because they aren't making the investments in infrastructure (cars, housing, whatever) and so aren't paying interest or expending use value.  They can invest that money in sharing economy corporations, gaining value.  So the losers in the sharing economy are those who borrowing in order to ""share."""


"Siq burn brah. You're a judgemental piece of trash who deserves no respect. On top of that, you're a fucking idiot, considering you can't grasp the simple concept that different people have different reactions to drugs. What's next - you expect everyone to like the same music and food as you?  the IRONY that you post in another reddit thread about your abusive relationship being a ""neurological condition"" but not realizing addiction is one as well.  How fucking stupid can you be?"


The workaround that I use in a recent time is very simple, effective and it is spreading very quickly - Payoneer. What you will need is http://www.payoneer.com/USPService.aspx which will get you US bank account that you can link to your paypal account.


The best answer is, I think, also the simplest:  A bank is an entity which performs maturity transformation.  (Conversely, any entity that performs maturity transformation is acting as a bank, regardless of whether it is called one or is regulated as one.  And an entity which does not perform maturity transformation isn't really a bank.)  Maturity transformation is the process by which a bank accepts short-term deposits, and makes long-term loans.  The benefit to society is fairly obvious; we (collectively) like being able to take out mortgages, but we also like having our money in a checking account and available on demand.  Banks allow this to happen, although property bubbles and similar make it clear that this isn't without cost.  (Note:  Central banks are a completely different kettle of fish.)


"Profit sharing adds complexity. I'd pitch it as a percentage of revenue to him. ""Profit"" is a term than can be abused. Sales are sales.   Somewhat related, if you're giving him 30% of all profit on all deals, you're basically selling 30% of your business for $80K. No surprise he's interested.   Think more about how you'll finance working capital. You need money to buy the pool supplies, pay for labor, etc. Ideally, you should float as little of this money as you can.   An incentive structure that rewards the salespeople should also be taken into consideration. Build that in somewhere. You want his reps to want to pitch your pools. They need some kind of incentive.   These are just thoughts off the top of my head. I don't completely understand the details, but maybe it'll help."


Another thought: Higher education in the US is frightfully expensive with the sticker price for a 4-year undergraduate degree at a decent private college us sitting at around $250,000 and rising fast. Consider starting a 529 savings plan especially if you planning on more kids.


"There are gold index funds. I'm not sure what you mean by ""real gold"". If you mean you want to buy physical gold, you don't need to. The gold index funds will track the price of gold and will keep you from filling your basement up with gold bars. Gold index funds will buy gold and then issue shares for the gold they hold. You can then buy and sell these just like you would buy and sell any share. GLD and IAU are the ticker symbols of some of these funds. I think it is also worth pointing out that historically gold has a been a poor investment."


"Paul calls it unanimous. The government site does not. What does a unanimous voice vote even mean? [Here is the govt site where the votes are viewable](http://oversight.house.gov/markup/full-committee-business-meeting-30/). Note at the bottom that the **postal bills** have the statement ""Outcome: Favorably reported to the House of Representatives by **unanimous** consent"". Note that **bill 459 does not** state that. Watch the video and you'll see that Ron Paul has a little bit of trouble with reality."


First, put the money someplace that is safe - a saving account is fine - while you figure out what you want to do with it. You will obviously want to think about it what to do for a while. A financial advisor could help out, but not that many of them make their money on commission and therefore don't act in your best interest. The ones where you pay them directly are more aligned with your interests. As for how to invest, you have a lot of different options depending on your timeline and your risk tolerance.


"Which Rabbinical school of the Orthodox sect believes in a ""modern"" setting for the role of the woman in the family? Which Rabbinical school allows teaching of modern concepts (and actually teaches the children Math)?   I'm not saying all but most Orthodox sects of Judaism that I know are hell bent on prescribing to the texts of the Talmud and defying modern ways of civilizations progressivism. That being said, they don't proselytize but they're still far too inclusive in this day and age.   I feel like you can be a man or woman of your religion without the elitism or condemnation of others. Orthodox Jews even think Jews outside their own sects are beneath them. It's tribalism at best."


"No. Credit card companies will typically not care about your individual credit card account. Instead they look either at a ""package"" of card accounts opened at roughly the same time, or of ""slices"" of cardholder accounts by credit rating. If an entire package's or slice's balance drops significantly, they'll take a look, and will adjust rates accordingly (often they may actually decrease rates as an incentive to increase you use of the card). Because credit card debt is unstructured debt, the bank cannot impose an ""early payment penalty"" of any kind (there's no schedule for paying it off, so there's no way to prove that they're missing out on $X in interest because you paid early). Generally, banks don't like CC debt anyway; it's very risky debt, and they often end up writing large balances off for pennies on the dollar. So, when you pay down your balance by a significant amount, the banks breathe a sigh of relief. The real money, the stable money, is in the usage fees; every time you swipe your card, the business who accepted it owes the credit card company 3% of your purchase, and sometimes more."


"No idea what any of those cites are, except Miller (whose music has always been written to earn royalties -- pure manufactured nostalgia). The point I'm making is that the [Lowest Common Denominator formats were imposed, for profit](http://www.shsu.edu/~lis_fwh/book/hybrid_children_of_rock/AOR2.htm), not designed or demanded by ""boomers"". Of course people listen to it, because it's what's on the radio when they're working. And after a while conditioned taste gets confused with personal taste, to the point that victims of musical Stockholm syndrome start believing the music they're force-fed is tasty. But blaming boomers for those dynamics  is scapegoating.  EDIT: typo"


"> I said it wasn't perfect for the long run.  Forget about long-run. It was clear from day one that the ACA is far from perfect.   > But obstructing and causing it to fail is very different from ""fixing"" it.  LOL!!!!!! So you want to pump more money into something you admitted is not good?  Just wait for Trump and his admin to change the plan and then we will talk.  The ""obstructions"" are not by Trump. They are by traitor republicans who suddenly want to keep the ACA."


You have made the most important first step by starting to think about your money, well done. Firstly pay of all credit cards as quickly as you can and start to live within your means.  Until you have paid of your credits cards don’t spend any money of unnecessary items, e.g. Once your credit cards are paid off you can start living a more normal life.  Each time you spend money you need to ask yourself: Is this worth more to be then being   able to buy a new house in a few years   time? You should be able to save at least half the amount you were paying of the credit card each mouth and still leave a reasonable life, so setup a standing order at the start of the month to  your saving account. Given your age you are like to get promoted and hence have increased pay or get increments for each year of service.  Therefore Every time your pay goes up, set up a   standing order to transfer at least   half of the pay increases to a saving   account.   You did not have this money   before, so you will not miss it when    you save it. In the long term, you should be able to keep your car until it is about 15 years old, so will not have the cost of buying another car.  Therefore once the car loan is over, you can save that money as well.


No, it's not a joke. Single women don't have families yet, and married men are more stable than their single counterparts who are chasing tail and partying more.  Women are going to get pregnant and have families, it's unavoidable. At least the single woman doesn't have that YET. And frankly, men should be taking paternity leave as well as women, so that's a moot point.


In addition to D. Stanley's very fine answer, the price of stocks change as a result of changing market conditions and the resulting investor estimation of its effect on the company's future earnings. Take these examples. Right now, in the USA, there is a housing shortage; that is, there are fewer houses available for purchase than there are willing buyers. Investors will correctly assume that the future earnings of home builders will be higher than they were, say ten years ago. Seeking to capitalize on these higher earnings, they will try to buy the stocks. However, the current owners of the stock, potentially the sellers, know the same thing as the investor-buyer and therefore demand a premium to entice a sale. The price of the stock has risen. The reverse is true, also. Brick and mortar retailers are declining as more consumers prefer on-line retail shopping. The current owners of these stocks will probably want to sell their stock before it is worth even less. The investor-buyer also knows the same facts; that future earnings will most likely be less for these companies. The potential buyer offers a very low price to entice a sale. The price of the stock has fallen. Finally, the price of stocks rise and fall with general market conditions. As an example, assume that next months jobs report is released showing that 350,000 new jobs were created in July. Investors will believe that if companies are hiring, then the companies are doing well; they are selling products and services at a higher than expected rate, requiring that they add new employees. They will also conclude that those 350,000 new employees will be spending their salaries to buy not just food, clothing and shelter, but also a few luxuries like a newer car, a TV, perhaps even a new home (please see paragraph 2!). All of these companies will have more business, more earnings and, likely, a higher stock price.


>Mad Men, LOST, Walking Dead, Game of Thrones  All of these are based on advertising and/or pay subscribers.  The number of paying subscribers has been decreasing and advertisers are becoming much more selective about how much and where to advertise.  TV networks are essentially distribution channels with some monopolistic power.  But, sports teams have learned that having their own channels is more profitable (especially college football).  It won't be too long until we see the Seinfeld channel, the House channel, etc... on the internet.  Content makers will want to take out the middle men or reduce middle man profits by expanding the number of channels.    In 2000 there was no iTunes, Netflix streaming, nor Blu-ray.  I don't know what there will be in 2020, but I wouldn't be surprised if all three of those are basically gone, replaced by innovation and market forces.  Consumers want convenience, choices, and reasonable prices.  The companies that only want to protect their piece of the market will fail.


There's no doubt the merger will cost jobs, and I'm not saying it wont.  It's the other nonsense I'm talking about -- the 'asking employees to lie, cheat, and steal, having depressed employees, paying poorly,' whatever...  It's not true.  With the exception of the industry shrinking in size, it's a happy place to be employed.


Agree to some degree. In actual profitable tradings (HFT mostly), the math part is relatively simple, but the knowledge of exchange API, plumbing and execution speed much harder to come by and multiple order of magnitude harder to get right than the math involved.


"Interactive Brokers offers global securities trading. Notice that the security types are: cash, stock (STK), futures (FUT), options (OPT), futures options   (FOP), warrants (WAR), bonds, contracts for differences (CFD), or   Dutch warrants (IOPT) There is a distinction between options (OPT), warrants (WAR), options on futures (FOP) and finally, Dutch Warrants (IOPT). IOPT is intuitively similar to an ""index option"". (For index option valuation equations, iopt=1 for a call, and iopt= -1 for a put. I don't know if Interactive Brokers uses that convention).  What is the difference between a ""Dutch Warrant"" and an option or warrant? Dutch warrants aren't analogous to Dutch auctions e.g. in the U.S.Treasury bond market. For North America, Interactive Brokers only lists commissions for traditional warrants and options, that is, warrants and options that have a single stock as the underlying security. For Asia and Europe, Interactive Brokers lists both the  ""regular"" options (and warrants) as well as ""equity index options"", see commission schedule. Dutch warrants are actually more like options than warrants, and that may be why Interactive Brokers refers to them as IOPTS (index options). Here's some background from a research article about Dutch warrants (which was NOT easy to find): In the Netherlands, ING Bank introduced call and put warrants on the   FT-SE 100, the CAC 40 and the German DAX indexes. These are some differences between [Dutch] index warrants and exchange traded index options: That last point is the most important, as it makes the pricing and valuation less subject to arbitrage. Last part of the question: Where do you find Structured Products on Interactive Brokers website? Look on the Products page (rather than the Commissions page, which does't mention Structured Products at all). There is a Structured Products tab with details."


> but saying that increase in cost won't affect an increase in price and that average people will be better able to afford higher construction costs is misleading.  I did not say that. So, let me clarify: construction companies, like any company, are in the business to maximize profits. Yes, they will attempt to charge more and they probably will charge more.  But the consumer, can only pay what they can pay.  So I am sure that 30% increase in costs will not translate to 30% increase on every construction job.


"To be deductible, a business expense must be both ordinary and necessary. An ordinary expense is one that is common and accepted in your trade or business. A necessary expense is one that is helpful and appropriate for your trade or business. An expense does not have to be indispensable to be considered necessary.  (IRS, Deducting Business Expenses) It seems to me you'd have a hard time convincing an auditor that this is the case.  Since business don't commonly own cars for the sole purpose of housing $25 computers, you'd have trouble with the ""ordinary"" test.  And since there are lots of other ways to house a computer other than a car, ""necessary"" seems problematic also."


To answer your last question, yes I would strongly suspect that finance would be more lucrative than school counselling. But is that 46k starting?I'm non-US but that sounds pretty good to me. Also, you don't need an MBA to start getting experience in finance. If your degree is from a different discipline you just need some extra way of signalling that you're interested and capable. Even joining your college's Finance club would be a big help.


I know the difference between a rat and an opossum. This was a very large rat.   And you're right, it wasn't as big as a rabbit, but I'll bet it was upwards of 16oz. Biggest rat I've ever seen, and I grew up around dairy farms.


"Buy term and invest the difference is certainly the standard recommendation, and for good reason. When you start looking at some sample numbers the ""buy term and invest the difference"" strategy starts to look very good. Here are the rates I found (27 yr old in Texas with good health, non-smoker, etc): $200k term life: $21/month $200k whole life: $177/month If you were to invest the difference in a retirement account for 40 years, assuming a 7% rate of return (many retirement planning estimates use 10%) you would have $411,859 at the end of that period. (If you use 10% that figure jumps to over $994k.) Needless to say, $400k in a retirement account is better than a $200k death benefit. Especially since you can't get the death benefit AND the cash value. Certainly one big difficulty is making sure you invest that difference. The best way to handle that is to set up a direct deposit that goes straight from your paycheck to the retirement account before it even touches your bank account. The next best thing would be an automatic transfer from your bank account. You may wonder 'What if I can no longer afford to invest that money?' First off, take a second and third look at your finances before you start eating into that. But if financial crisis comes and you truly can't afford to fund your own life insurance / retirement account then perhaps it will be a good thing you're not locked into a life insurance policy that forces you to pay those premiums. That extra freedom is another benefit of the ""buy term and invest the difference"" strategy. It is great that you are asking this question now while you are young. Because it is much easier to put this strategy into play now while you are young.  As far as using a cash value policy to help diversify your portfolio: I am no expert in how to allocate long term investments after maxing out my IRA and 401k. (My IRA maxes out at $5k/year, another $5k for my wife's, another $16.5k for my 401k.) Before I maxed that out I would have my house paid for and kid's education saved for. And by then it would make sense to pay a financial adviser to help you manage all those investments. They would be the one to ask about using a cash value policy similar to @lux lux's description.  I believe you should NEVER PUT YOUR MONEY INTO SOMETHING YOU DON'T UNDERSTAND. Cash value policies are complex and I don't fully understand them. I should add that of course my calculations are subject to the standard disclaimer that those investment returns aren't guaranteed. As with any financial decision you must be willing to accept some level of risk and the question is not whether to accept risk, but how much is acceptable. That's why I used 7% in my calculation instead of just 10%. I wanted to demonstrate that you could still beat out whole life if you wanted to reduce your risk and/or if the stock market performs poorly."


"Does he need to file a tax return in this situation? Will the IRS be concerned that he did not file even if he received a 1099? No. However, if you don't file the IRS may come back asking why, or ""make up"" a return for you assuming that the whole amount on the 1099-MISC is your net earnings. So in the end, I suspect you'll end up filing even though you don't have to, just to prove that you don't have to. Bottom line - if you have 1099 income (or any other income reported to the IRS that brings you over the filing threshold), file a return."


The T+3 settlement date only affects cash accounts.  In a cash account, you need to wait until the T+3 settlement date for your funds to be available to make your next trade.  But if you convert your cash account into a margin account, then you do not need to wait until the T+3 settlement date for your next trade - your broker will allow you to make another trade immediately.


Florida Medical Building Space is Florida’s first and only statewide, full service medical real estate company. We are a highly focused and specialized team of investment, marketing, leasing and management professionals at your full disposal so you can focus on what matters most.


I wasn't talking about college or university, which are severely overpriced, I was talking about tech schools or trade schools. I live in a city that has a lot of manufacturing jobs open but not enough people educated in the field to actually get those jobs. So there was a breakdown somewhere along the way in terms of the preparation for good paying manufacturing jobs. This is what we need to address, I think you thought I was talking about something else.


I'm not sure why you want to put this into a traditional IRA.  Variable annuities are already tax-deferred so you're not gaining any tax advantage there. Depending on your tax situation you could claim a loss if you sell.


You would have to do the specific math with your specific situation to be certain, but - generally speaking it would be smarter to use extra money to pay down the principle faster on the original loan. Your ability to refinance in the future at a more favorable rate is an unknowable uncertainty, subject to a number of conditions (only some of which you can control). But what is almost always a complete certainty is that paying off a debt is, on net, better than putting the same money into a low-yield savings account.


"Without any highly credible anticipation of a company being a target of a pending takeover, its common stock will normally trade at what can be considered non-control or ""passive market"" prices, i.e. prices that passive securities investors pay or receive for each share of stock. When there is talk or suggestion of a publicly traded company's being an acquisition target, it begins to trade at ""control market"" prices, i.e. prices that an investor or group of them is expected to pay in order to control the company.  In most cases control requires a would-be control shareholder to own half a company's total votes (not necessarily stock) plus one additional vote and to pay a greater price than passive market prices to non-control investors (and sometimes to other control investors). The difference between these two market prices is termed a ""control premium.""  The appropriateness and value of this premium has been upheld in case law, with some conflicting opinions, in Delaware Chancery Court (see the reference below; LinkedIn Corp. is incorporated in the state), most other US states' courts and those of many countries with active stock markets. The amount of premium is largely determined by investment bankers who, in addition to applying other valuation approaches, review most recently available similar transactions for premiums paid and advise (formally in an ""opinion letter"") their clients what range of prices to pay or accept. In addition to increasing the likelihood of being outbid by a third-party, failure to pay an adequate premium is often grounds for class action lawsuits that may take years to resolve with great uncertainty for most parties involved. For a recent example and more details see this media opinion and overview about Dell Inc. being taken private in 2013, the lawsuits that transaction prompted and the court's ruling in 2016 in favor of passive shareholder plaintiffs.  Though it has more to do with determining fair valuation than specifically premiums, the case illustrates instruments and means used by some courts to protect non-control, passive shareholders. ========== REFERENCE As a reference, in a 2005 note written by a major US-based international corporate law firm, it noted with respect to Delaware courts, which adjudicate most major shareholder conflicts as the state has a disproportionate share of large companies in its domicile, that control premiums may not necessarily be paid to minority shareholders if the acquirer gains control of a company that continues to have minority shareholders, i.e. not a full acquisition: Delaware case law is clear that the value of a dissenting [target company's]   stockholder’s shares is not to be reduced to impose a minority   discount reflecting the lack of the stockholders’ control over the   corporation. Indeed, this appears to be the rationale for valuing the   target corporation as a whole and allocating a proportionate share of   that value to the shares of [a] dissenting stockholder [exercising his appraisal rights in seeking to challenge the value the target company's board of directors placed on his shares]. At the same   time, Delaware courts have suggested, without explanation, that the   value of the corporation as a whole, and as a going concern, should   not include a control premium of the type that might be realized in a   sale of the corporation."


I walked into my sister's new Rausch Coleman house this afternoon to help her move in and told her to make sure that they put on the hot water heater room door in the garage on when they come back to take care of the final touch ups. I also said and don't let them forget to paint the garage because I noticed while driving through her neighborhood that everyone had taped and mudded garages but no paint. She told me that Rausch Coleman was not coming back to do any touch ups. I said what about this stuff?!?!!!!! My sister said the house does not come with a door for the hot water heater or the garage being painted. Are you SERIOUS?????? That's like not putting the covers on your electrical outlets...your kidding me that this does not come in the base package. Shame on you Raush Coleman. Your prices are not that cheap to not include that. That is what I call bad customer service and ripping off your clients. The paint job is hideous. Let's just say my 9 year old could do a better job than that. The mirrors in her bathrooms are not hung centered and is so obvious.  She went to open her dishwasher and it came out of the hole because it was never anchored down.  I could go on and on!!!!!! Do not use this builder!!!!!!!


I think the part that you aren't seeing is that many people earning minimum wage aren't at the start of their careers, where they don't have a lot of financial commitments and are able to move fairly easily.   If someone is earning that sort of wage, but has rent to pay, kids in school, elders to take care of, that minimum wage job can often be 1 of their two jobs they need to stay afloat. Taking time off one of the jobs to go study is simply not part of the equation.   I don't think what you were saying is false, just a very thin subset in a range of possibilities. Potentially, you can't peer outside that range to se that there are thousands of stories that don't fit the bill.


Like most major decisions in life it entirely depends on your goals.  Do you know exactly what you intend to use the degree for? Are you aiming to go work for Ernst & Young? Do you want to be a finance director at some Fortune 500 company? Do you want to start up your own financial advisory or accounting shop?  Going to school for school's sake is pointless after youve gotten your associate's/bachelor's degree. It's an investment. For the investment to be worth it you need to know exactly what youre investing in and why.  So Step 1: come up with a very concrete career plan. What kind of job exactly do you want next and what industry/company do you want it to be in? Then figure out whether you need the extra degree to make that plan possible.


Seems like a bad deal to me. But before I get to that, a couple of points on your expenses: Onward. You value a property by calculating its CAP rate. This is what you're calculating, except it does NOT include interest like you did -- that's a loan to you, and has no bearing on whether the unit itself is a good investment. It also includes estimations of variable expenses like maintenance and lack of income from vacancies. People argue vociferously on exactly how much to calculate for those. Maintenance will vary by age of the building and how damaging your tenets are. Vacancies vary based on how desirable the location is, how well you've done the maintenance, and how low the rent is. Doing the math based on your numbers, with just the fixed expenses: 8400 rent - 2400 management fee - 100 insurance = 5900/year income. 5900/150000 = 0.0393 = 3.9% CAP rate. And that's not even counting the variable expenses yet! So, what's a good CAP rate? Generally, 10% CAP rate is a good deal, and higher is a great deal. Below that you have to start to get cautious. Some places are worth a lower rate, for instance when the property is new and in a good location. You can do 8% on these. Below 6% CAP rate is usually a really bad investment.  So, unless you're confident you can at least double the rent right off the bat, this is a terrible deal. Another way to think about it You're looking to buy with your finances in just about the best position possible -- a huge down payment and really low interest. Plus you haven't accounted for maintenance, taxes (if any), and vacancies. And still you'd make only a measly 1.2% profit? Would you buy a bond that only pays out 1.2%? No? What about a bond that only pays 1.2%, but also from time to time can force YOU to pay into IT a much larger amount every month?


(I'm assuming this is a publicly traded company, if not, things are somewhat different.) The objection that management might have that flows out of the fact that the pool of available options is fixed in size for the current year. (Or maybe several years depending on how they structured the compensation plan.) Within that pool they have allocated some to various key individuals and then some to to the ESOP pool. They don't want requests for more options than they planned to issue in that period. Suppose that many people notice that the companies prospects are good and offer to forgo some salary for options. This could easily eat up the whole pool and leave nothing for the rest of the year. If I was management here, I would want to structure it so that I had control over how many options were granted so that everyone eligible got some and the pool lasted until the end of the year.


Are you talking about domicile? An LLC is treated differently than a corporation in the terms of citizenship of the law. An LLC is a citizen of whichever state it's members (shareholders) are citizens.  I would recommend you just spend the money on a business attorney to ensure that all the t's are crossed correctly so it doesn't end up costing you more later on.


So there are a lot of people that get into trouble in your type of self employment situation.  This is what I do, and I use google drive so there are no cost for tools.  However, having an accounting system is better. Getting in trouble with the IRS really sucks bad.


"Not good enough.  So corporations are 'persons', eh? Well I think we have our first candidate for *corporate capital punishment*, starting with a little live-televised *Seppuku* at the top. As ~~proud~~ owner of a $19000 worthless ""brick"" of a Toyota that no one can ride in, I volunteer as 'second'."


I bought in near their lows last December.  They've been hovering around them since - a few I've managed to dump once they bumped up about 10% but I'm still holding the bag on 5-6 more.


I think you're misunderstanding how S-Corp works. Here are some pointers: I suggest you talk with a EA/CPA licensed in your state and get yourself educated on what you're getting yourself into.


The short answer to your question is yes.  Index funds are about the easiest and most efficient diversified way to invest your money.  Vanguard's are among the cheapest and best. Be aware, though, that passive income doesn't mean you do nothing for your money.  In the case of investing, what you are doing is bearing risk.  That is, you are being paid (on average) to put your money in a situation where you may lose money.  If you keep your eye on the long-term prize, then when (not if) you sustain losses in your investment account, you will have the patience to leave the money in there. I'm a little confused by your wording about increasing your salary.  Normally we think of index funds as a way to increase our wealth.  If you are making new investments, presumably you have more salary than you need right now.  Normal index funds will reinvest dividends automatically, so you will see the value of your investments rise but will not see any cash flows per se unless you are selling your holdings.  If you want actual cash coming out of your investment, you can use ETF's to achieve the same type of investment and treat the dividends as a supplement to your income.  Note, however, that some gains in your ETF will be in the form of capital gains and some will be dividends.  Think more like 2% year per in dividend payments and the rest in capital gains. If your objective is to save for retirement, please consider investing through an IRA, Roth IRA, or through your 401(k).  No need to give uncle sam a gift from your hard-earned money.


If you save money, invest in an education, start a business, refurbish your house, invest in technology by buying shares in a growing company, build something that can give you value long term, save money for your kids to inherit, postpone your spending, etc. it all accumulates and gives strong long term returns. These are the decisions we should encourage everyone to make, as it is these decisions that good countries are made from. You can rob the rich once, and then the richest and most productive people stop working and quickly all turns to shit, like every socialist experiment ever. I work hard and don't spend anything. At this rate I can likely retire in 10 years at 40 years old. Would be pretty pissed by then to have to share it with everyone who didn't work hard and didn't save and invest anything.


First of all, Dilip's answer explains well how the business deductions generally work. For most (big) expenses you depreciate it. However, in some cases you need to capitalize it, which is another accounting method. When you capitalize your expense, it becomes part of the basis of the product you're creating. Since you're an engineer, this might be relevant for you. Talk to your tax adviser. How exactly you deduct/depreciate/capitalize things, and what expense goes which way depends greatly on the laws and jurisdictions. Even in the US, different states have different laws, and the IRS and State laws don't have to conform (unfortunately). For example, the limitations on Sec. 179 deduction in 2010-2011 were 20 times higher on Federal level than in the State of California. This could have lead to cases where you fully deducted your expense on your Federal tax return, but need to continue and depreciate it on your State return (or vice versa). Good tax adviser is crucial to avoid or manage these cases.


You can also grow your produce, cook your own food, hell you can make your own electronics if you want to, and yet supermarkets, restaurants, and tech companies all seem to be doing fine.   Just because weed has been decriminalized doesn't mean that people have the experience and knowledge to grow it or want to invest the time and effort to make it a successful venture. To my knowledge, you also have to be licensed to both grow and sell it, and holding small quantities is legal...if you're just some guy growing 1,000 plants in the woods and holding 500 pounds in your basement, you're going to get shut down and arrested.   Have you not seen the great success of weed stores in places like Colorado? They offer far more than just weed in Ziplock baggies. If weed becomes legal nationally in the US, you will absolutely see large companies form for the exact reason that they form in every other industry: it's cheaper to consolidate operations and greater volume of sales means higher profit.


"I do not know anything about retail investing in India, since I am in the US. However, there are a couple of general things to keep in mind about gold that should be largely independent of country. First, gold is not an investment. Aside from a few industrial uses, it has no productive value. It is, at best, a hedge against inflation, since many people feel more comfortable with what they consider ""real"" money that is not subject to what seems to be arbitrary creation by central banks. Second, buying tiny amounts of gold as coin or bullion from a retail dealer will always involve a fairly significant spread from the commodity spot price. The spot price only applies to large transactions. Retail dealers have costs of doing business that necessitate these fees in order for them to make a profit. You must also consider the costs of storing your gold in a way that mitigates the risk of theft. (The comment by NL7 is on this point. It appeared while I was typing this answer.) You might find this Planet Money piece instructive on the process, costs, and risks of buying gold bullion (in the US). If you feel that you must own gold as an inflation hedge, and it is possible for residents of India, you would be best off with some kind of gold fund that tracks the price of bullion."


Look if BBB was there to provide an honest service only, I would be all for them.  The fact is they provide an honest service, in addition to running a protection racket. If you are listed and you stop paying, your rating will drop.  >**[If I'm paying for a grade, then how's the customer supposed to really trust the Better Business Bureau.](https://www.youtube.com/watch?v=Yo8kfV9kONw)**


This is going to be a list of some things that will likely be of value immediately after some apocalyptic event.  However, note that I am not answering your question of what you should invest in now to take advantage of such an event.  That is a pretty ridiculous notion.  Preparing oneself for such a possibility is certainly a good idea.  That said, there are some realistic limitations to how you could take advantage of such a situation.  Namely, the very real requirement of physical security.  Unless you have a huge posse -- armed to the teeth -- to defend your cache, someone will come along with a bigger and better armed group to take it.  (Not to mention that I am the type of person that would -- at least -- consider organizing such a group to take you down; if only as a matter of principle.) Guns & ammo (Also, knives; ideally ones that can be used as weapons and for food preparation/hunting.) Alcohol.  Especially liquor.  It's concentrated and easier to store than beer or wine.  Beside for getting inebriated, it is useful as a sedative and antiseptic. Non-perishable foods.  Canned goods are obvious.  Though, grains and cereals can be stored with relative ease under some circumstances.  (Obviously, not so easily done in an urban area.) Methods of starting a fire.  Preferably rugged ones, such as flint and steel.  (Lighters would only be of limited use.  Matches are bulky and require water-tight storage.) Salt and/or salt-licks.  (Possibly, other forms of non-perishable bait.)  As bstpierre puts it, hunting will be about survival not sport. Hand-tools. Textiles, fabrics, thread and needles. Medicines of all sorts, though especially antibiotics, antiseptics and painkillers. Books of a practical nature.  Topics such as: wilderness survival, cooking, carpentry, etc. The list is mostly ordered in terms of value & practicality. Ultimately, I doubt there is much that will provide a practical investment idea for such a scenario.  The physical security issue is a big limiting factor.  In a post-apocalyptic scenario it goes back to who is bigger, stronger and better armed. One thing does come to mind: knowledge.  Prepare yourself with the skills and knowledge you need to survive in such a scenario and you will be invaluable.  Also, as bstpierre notes in the comments, connections will likely also be important.  (Probably local or nearby connections.)  No one person can do it all alone.  It will come down to cooperation.


My current strategy is long equity in blue chips with limited growth but large profits... Some call that value investing.  GM, AAPL, BRK.B have done very well for me. VZ is a notable straggler. Regardless, my overall positions have grown considerably :)  Not a fan of shorting... but TSLA would be my short of choice since it is very expensive to short SHLD.


> war only exists because other governments exist  That's extremely naive. War existed long before governments. Any collective of humans is capable of going to war.  > government doesn't actually do anything related to roads, other than use tax money to pay individual companies to build them  So how do you remove government from those steps?   You think we should have private police forces? You think State Farm or Allstate wants to do that? How exactly would they compete on price? It would not be a profitable enterprise unless it was totally corrupt.


Satya has amazingly turned MS around. They were the laughing stock of most developers for many years but have picked up a number of big name developers, released a lot of great developer tools and are starting to be relevant again. It's an amazing transformation and for the first time in my life I'm looking forward to what they do next.


But their market share dropped, meaning their top line growth was from general growth in the ridesharing/transportation industry overall.  Their losses dropped because they increased prices. But if that's accompanied by a loss in market share, then their central thesis is disproven, namely that they can capture market share via subsidy and then slowly raise prices.   It shouldn't be surprising that it failed, either, given that transportation is mostly a commodity to people.


Sorry for posting in this sub instead of personal, but thank you for responding and giving good feedback. I haven't thought of doing internships. San Fran is a 6 hr drive for me as I live in LA, but next summer maybe I could do an internship there. As for resume tips I most likely will PM you soon. Thanks so much!


Windows mobile is down to around 7% market share I believe. (if not lower)   I pirate my Microsoft software simply because I'm not paying 200 Australian dollars for it. I use google docs, it's free and can be accessed, shared, edited and has valuable user analytics.. Last time I used office it had none of this. However that could of xhangedt.


There is one massive catch in this which I found out when I went to Nationwide to ask for a loan. I've got a credit card which they kept increasing my credit limit, it's now at something ridiculous - nearly £10,000 but they keep increasing it. I never use that card, when I went to Nationwide though they said they couldn't give me a loan because I had £10,000 credit already and if I reduced this credit this would affect my credit rating and they could potentially give me a loan. I then realised what MBNA had craftily done.  I have two cards with this bank, one with really low interest and the other with really high interest (and a high credit limit) - even though the other card has a zero balance loan companies still see it as money I could potentially go and spend, it doesn't matter to them that I've not spent any money on that card in about 12 months, to them it's the fact that they could give me a loan and then I could go and spend another £10,000 on that card (as you can see extremely risky).   Of course this means that what MBNA are craftily doing is giving me such a high credit, knowing full well that I'm not going to use it, but it also prevents their competitors from offering me a loan, even at a lower rate, because I've already got too much credit available. So yes there is a catch to giving you a high credit limit on your cards and it's to prevent you from either leaving that bank or getting a lower interest rate loan out to clear the debt.


"The Fed doesn't exactly have a specific schedule when they decide to create a new dollar. Instead, they engage in open market operations, creating and destroying money as is necessary to preserve a certain interest rate for lending and borrowing. It's an ongoing process. When the Fed meets periodically and they see that inflation is getting out of hand, they will raise that rate; when they see that the economy is weak, they will lower it. They change the target rate from time to time, but they seldom tell people exactly what they'll do in advance, aside from them recently saying that rates will remain incredibly low ""for an extended period of time"". There are people who trade futures contracts based on what they think these rates will be, and the Fed does publish information on what the market thinks the probabilities are. That's probably the closest thing to telling you ""how much and when"". If you want to know about the size of the money supply, ask the Federal Reserve; you probably want series H.6, Money Stock Measures. For an explanation of what the data series there means, ask Wikipedia: you're probably interested in M2, because that's what actually affects the economy, though M0 is closer to what they actually ""print"" (currency, bills and coins, and deposits at the central bank). If you're concerned about the actual real value of your dollar dropping, the actual value drop is better understood by looking at either the inflation rate, or an exchange rate against a foreign currency (and depending on what you were hoping to use that dollar for, there are a couple of different inflation rates). The standard inflation rate which measures what happens in your day to day life is the consumer price index, published by the BLS. There are a variety of forecasts of this, but I'm not aware of any official government-agency forecasts."


"There are 2 and 3 family houses that have an ""owner occupied"" clause for certain financing. Of course, one would rent out the extra apartments without question.  The key thing is that owner-occupied means just that, occupancy for tax purposes. Just using a small area like an office won't satisfy the requirement, so no, this isn't legal."


"You are correct that it could refer to any of the types of interest rates that you've mentioned. In general, though, phrases such as ""rising interest rates"" and ""falling interest rates"" refer to the Federal Funds Rate or LIBOR. These are the interest rates at which banks in the U.S. and U.K., respectively, are lending money to each other."


"Bankruptcy should be your last option, and you will find that BK will not resolve most of your problems, and create many more problems. There are two kinds of BK that are available to the average person, Ch13 debt repayment and Ch7 liquidation.  Both have severe repercussions and lasting effects on your credit (7-10 years, after discharge). And the calculations required under the 2005 BAPCPA are complex and may require help to understand. Ch7 liquidation is the more severe course, and the trustee would liquidate assets that exceed exemptions (vary by state) to pay your creditors. Ch13 debt repayment is hard, and only 20-25% of those who pursue that route complete the debt repayment plan.  Your credit score for either course would suffer greatly (200-250 points) and would remain reduced for years, especially since you would have to rebuild credit. And the law is flawed both in design and execution as there is no reward for successful debt repayment, few finish their repayment plan (20-25%), the mean recovery for unsecured creditors in repayment is zero (thus does not help creditors), and leaves the debtor with damaged credit for years (not a fresh start). Although you may have made some decisions that have placed you in a difficult position, you can find solutions to resolve these problems. You may find that simply learning to make better choices will improve your situation. Take a financial education course (such as the Dave Ramsey course), and learn how to budget, and make better choices. The LearnVest website offers a simple way to budget by dividing budgeting into only three (3) categories with suggested percentages for each, essentials (<50%), financial priorities (>20%), and lifestyle (<30%). The damage to your credit from the derogatory effects of BK would linger for years, but the damage from poor payment history declines much quicker, and loses most of the effect after 2 years (and should you keep the accounts open, leaves you with good history and longer account history), thus the effects decline to minimal after as little as 2 years of good behavior/payment history. Make a plan that prioritizes the debts, and how you will resolve the problem, and work the plan.  Based upon the income and debts you mention, the situation you have may not be as bad as it appears. You may be getting bad advice, especially from a debt settlement company that might be more interested in their fees than in your problem. Since you ""want to play fair and continue with payments, but when people start to get greedy like this I am ready to just stop caring"", you really need two things, a plan, and a friend, someone who you can talk to honestly and openly, and who can support you as you work through the plan you make. Since you ""would prefer the option that will give me the most peace of mind and allow me to start saving money as soon as possible"", you need to find an approach that fits your goals.  Your statement that you ""don't plan on ever using credit again"", fits with the Dave Ramsey philosophy and resonates with many of us who have learned that those who grant credit are often harsh masters. Now that you have provided more information, the advice below expands upon the above reflecting upon your specific situation. Since you make $62K/year, you may be close to the median income, and the BAPCPA (Bankruptcy Abuse Prevention and Consumer Protection Act of 2005) has a presumption of abuse for filing Ch7 when you have above median income (for your state, check the law). As you may be pushed into Ch13 debt repayment anyway, examine what you could do to repay the debt (over 5 years, 60 months, as that would be a Ch13 repayment duration). Since you have $8K of revolving (unsecured?) debt, that would be repaid in Ch13 over 60 months at about $133/month (no interest), but you would also be paying 10% to the trustee.  There might be some portion of your auto debt which is unsecured, and also be repaid unsecured, suppose that is $3000.  That would add another $50/month to the plan. The car could be repaid over 60 months (including interest), so you might be repaying $300/month for the car (estimate), although the payment could be higher or lower depending upon how much of the value of the car is unsecured.  The trustee might object that the car is too expensive (depends upon the value, and the trustee), and require be liquidated. Since BK excludes relief for student loans, you might find yourself paying the student loans at the same payment. Your $62K income suggests that you have about $4200/month (guess, after taxes).  The mortgage payment is higher than 25% ($1050-1100 would be ideal for your income).  But after your mortgage payment you should still have about $3900.  Even with $300 for credit card debt, $500 for car, and $400 for student loans (guessing), that leaves $2700 for essentials (utilities, food), lifestyle (cellphone, entertainment), and savings. You might find a friend who is good at budgeting who would be willing to help you craft a budget and be your ""responsibility partner"" to help you stick to the budget. Here is a sample plan (your mileage may vary), Essentials (50%, $2100): $2180 Financial (30%, 1230): $1250 Lifestyle (20%, 840): $500 (pick up slack here, as you have high debt load)"


"This is the best tl;dr I could make, [original](http://econlog.econlib.org/archives/2017/06/what_monopsony.html) reduced by 90%. (I'm a bot) ***** > If you can reduce wages by one penny per hour without losing all your employees, then you have monopsony power in the labor market.  > It&#039;s becoming increasing clear that monopsony power is more than a minor characteristic of the labor market, it gets to the heart of the current issue of labor shortages.  > Office workers, service workers, trades people, general labor, engineers, sales people.... Getting people to show up is as important as getting people with skills.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6hv0w7/what_monopsony_power_in_the_labor_market_looks/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~146775 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **work**^#1 **people**^#2 **labor**^#3 **power**^#4 **skills**^#5"


The need for STEM careers in 2020 will increase from today's needs by approximately 50% (Department, 2015). There are numerous businesses, companies and associations in the areas surrounding schools that have an aspect of STEM Science Technology Engineering Math in their day to day processes. Even before the STEM Initiative, many schools had made their own efforts to improve education in these areas. STEM Education is important in a competitive global economy, and the U.S. is falling behind in educating its youth. Visit http://www.techjoyntfranchise.com/ to find STEM designated education across the United States.


Their future is certainly not guaranteed, but the have the biggest head start.  The board is not the issue - the criticisms are of the leadership (or lack thereof), the culture, and the former CEO.  Even despite the issues, Uber still controls global market share for consumer ride share apps, and has been first to market with driverless trucks too.  Uber will be fine.


Ultra-low rates can spur an unhealthy boon in M&A deals/Corporate takeovers as management (defensively) and raiders (offensively) lever up cheaply to acquire companies. This can be problematic down the line when takeovers/large investments (that were funded with cheap debt) dont pan out and interest rates rise, and with it the cost of servicing that debt.


“From time to time, Netflix plans and pricing are adjusted as we add more exclusive TV shows and movies, introduce new product features and improve the overall Netflix experience to help members find something great to watch even faster,” the spokesperson told Gizmodo.  One of the big reason Netflix is doing their own content is because the ever increasing price of securing television shows and the unreliability of it. Often contracts will be up and the provider decides not to renew.  To include the cost of doing business in producing shows as an excuse to raise prices is little more than an excuse. Netflix is going to start spending less money retaining not Netflix shows.  Just admit that costs are going up and Netflix wants more money.   One side note. Netflix produces a lot of good shows. They also produce a lot of crappy shows that bomb. A better quality control would help them save money.


Pengobatan Sakit Kepala Untuk Ibu Hamil » Sakit kepala atau di sebut juga pusing memang selalu membuat tidak nyaman. Jangankan yang sudah terbiasa pusing, mereka yang jarang pun bisa saja terserang gangguan ini ketika hamil.  Biasanya, sakit kepala muncul pada awal kehamilan, dan pada bulan-bulan berikutnya akan jarang timbul.


Card-dna.biz undeniably offers the best prepaid cards in the market that stands out in services and costs, claiming to be the best in the market. We also provide all the details regarding the types of card we offer to help you make a decision. Visit our website for more!


How To Finance Your Small Business  Іf уоu hаvе а grеаt busіnеss іdеа оr рlаn, оr іf уоu wаnt tо ехраnd уоur ехіstіng sеrvісеs, dо nоt lеt lасk оf funds stор уоu іn уоur trасks. Тhеrе аrе vаrіоus fіnаnсе аvаіlаblе fоr smаll busіnеssеs. Wе tаkе а lооk аt smаll busіnеss еntrерrеnеurs саn tаkе аdvаntаgе оf fіnаnсіаl орроrtunіtіеs.  Whеn thе sоurсе оf fundіng tо іnсludе thе dіffеrеnt оrgаns, suсh аs bаnks, gоvеrnmеnt sоurсеs, vеnturе саріtаlіsts аnd “аngеl” іnvеstоrs whеn іt іs usеful tо sее whаt аll lеndеrs, rеgаrdlеss оf сlаss, уоu wаnt, whеn thеу аrе lеndіng mоnеу, оr аt еntеrрrіsе іnvеstmеnt.  Whеn уоu аrе lооkіng fоr аlrеаdу ехіstіng sеrvісеs оf mоnеу, thе lеndеr wіll bе іntеrеstеd tо knоw аbоut уоur trаnsасtіоn hіstоrу; іt hаs gооd mаnаgеmеnt аnd gооd rеsults іn а rесоrd. Lеndеrs wіll bе kееn tо knоw іf уоu hаvе thе аbіlіtу tо rеturn lоаns, аnd sее thе аmоunt оf уоur сurrеnt іnсоmе іs tо sее thаt уоu mееt уоur сurrеnt оblіgаtіоns аnd tаkе оn аddіtіоnаl dеbt whеthеr іt іs аdеquаtе.  https://allbiztalk.com/how-to-finance-your-small-business/


Gods are supposed to exist independently from humans - that's part of the belief. Other than that, we really have mapped out old faiths onto the new structure. We are told to have faith, keep our heads down and behave, and we'll have a pleasant retirement (i.e. afterlife). The market will provide, God willing...


I think it comes down to whether you are happy with the investment choices in the 401k.  If you are, there is no reason not to invest there.  Additionally, it doesn't have to be an either-or choice.  You can invest up to the maximum in both accounts. BTW, congratulations on thinking about retirement at your age.  I wish I had been in a position to do that.


">  As you probably do not know, the poorest counties in the US are 95% white  Your source specifies Owsley County, Kentucky as example of ""the nation's poorest country"" which is 95% white.  It is also [the second smallest county in Kentucky, with a population less than 5,000](https://en.wikipedia.org/wiki/Owsley_County,_Kentucky).  Nobody disputes that there are pockets of very poor white people.  The liberal position is that, in general minorities have it worse.  Consider [Wilcox County, AL that actually was poorer per household than Owsley County in 2015](https://en.wikipedia.org/wiki/List_of_lowest-income_counties_in_the_United_States).  [The population there is 11,670 and it is 72.5 percent are black](https://en.wikipedia.org/wiki/Wilcox_County,_Alabama).  That right there is enough to counterbalance Owsley County's imbalance.  (It tilts it to the other side if you consider that there are more whites than blacks in this country.)"


"Share prices change (or not) when shares are bought and sold. Unless he's sitting on a large percentage of the total shares, the fact that he isn't selling or buying means he's having no effect ar all on the stock price, and unless there's a vote war going on in the annual meeting his few stockholder votes aren't likely to have much effect there either (though there's always the outside chance of his being a tiebreaker). On the other hand, there's nothing inherently wrong with holding shares for a very long time and just taking the dividends (""clipping coupons""). Buy-and-hold is a legitimate strategy. Basically: His reason is wrong, but his action may be right, and you should probably just not ask."


There are certain companies that will let you pay a flat fee per month instead of billing you for consumption.  You should call your providers and ask them if they have such an option available; this way budgeting will be easy. :)


That's what I'm saying.  But apparently people are doing it.  It woulnd't be going up otherwise would it?  And isn't that the only way bitcoin or stocks can go up above their last record?  If everyone followed that rule.  Nothing would ever rise right?  I'm sure I don't understand it fully.    Stocks and bitcoin's(cryptocurrencies in general) all seem crazy to me.


"This is the best tl;dr I could make, [original](https://www.newsroom.co.nz/2017/09/13/47681?slug=living-wage-doesnt-kill-jobs-it-creates-them) reduced by 93%. (I'm a bot) ***** > The Living Wage Movement Aotearoa New Zealand in 2017 has held election forums in Auckland, Hamilton, Wellington and Christchuch, at which political party representatives have been asked to commit their parties to supporting a living wage.  > Develop an ongoing relationship between the Government and the Living Wage Movement Aotearoa New Zealand through an advisory group to champion the living wage throughout the economy.  > The paper reviewed studies of the impact of the living wage or the adoption of a minimum wage higher than the federal minimum wage in Maryland, Baltimore, Los Angeles, Boston, Chicago, San Franciso and Florida.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/706yn4/living_wage_doesnt_kill_jobs_it_creates_them/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~210091 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 **live**^#2 **minimum**^#3 **percent**^#4 **States**^#5"


Until they're old enough to be legally responsible for their own credit, the only thing you can really do is show them by example how to manage money and credit in your own finances.  Teach them budgeting, immerse them in understanding how credit and financing work, and teach them smart ways to make their money work for them. When they're teenagers, you could potentially approach small banks or credit unions about ways to perhaps co-sign loans for them and let them make payments to learn good habits for managing their responsibilities, but that's not always easy either.  It won't do anything for their credit, but having the responsibility of coming in to make payments might instill good habits and help their self-esteem at the same time. You have great intentions, but as has been pointed out here already, from a legal standpoint there's not much you can do.  All you can do is prepare them for the day when they are on their own and can enter into credit agreements.  Kids going to college get into real trouble with credit because cards are handed out like candy to them by the banks, so teaching them money management skills is invaluable and something you can do now.


"You are asking multiple questions here, pieces of which may have been addressed in other questions.  A bond (I'm using US Government bonds in this example, and making the 'zero risk of default' assumption) will be priced based on today's interest rate. This is true whether it's a 10% bond with 10 years left (say rates were 10% on the 30 yr bond 20 years ago) a 2% bond with 10 years, or a new 3% 10 year bond.  The rate I use above is the 'coupon' rate, i.e. the amount the bond will pay each year in interest. What's the same for each bond is called the ""Yield to Maturity."" The price adjusts, by the market, so the return over the next ten years is the same.  A bond fund simply contains a mix of bonds, but in aggregate, has a yield as well as a duration, the time-and-interest-weighted maturity.  When rates rise, the bond fund will drop in value based on this factor (duration). Does this begin to answer your question?"


Generally, when I run across this kind of situation, I look for the Investor Relations section of the corporate website for a 'Stock Information' (or similar) tab or link.   This usually contains information explaining the different shares classes, how they relate (if at all), voting and/or dividend rights, and taxation differences for the different classes. However, I have trouble finding such a page on a central BYD corporate investor relations page.   I did find this page detailing the HK1211 shares: http://www.byd.com/investor/base_information.html.  I don't know what or why, but something tells me this is an older page. Searching on, I also found this page which looks newer and clarifies that the difference you are seeing is between 'A' and 'H' shares. http://www.byd.cn/BYDEnglish/basic/article.jsp?articleId=1524676.  (I'm guessing but I'd think somewhere in the announcements on this byd.cn site, you may find more details of any structural differences between share classes -- I just didn't want to page through them all.)


SECTION | CONTENT :--|:-- Title | Deep Dive: Fixing Our Broken Food System Description | Making sure that everyone has access to safe, affordable, and healthy food, is a complex task.  Consider the complicated production and distribution systems, both large and small, that need to balance environmental and labor concerns, with sometimes competing business priorities.  Moving away from a system that incentivizes cheap, processed junk requires not only policy solutions, but creativity from both the private sector and the individual consumer. Failure to act has resulted in consequences... Length | 1:21:19           ****   ^(I am a bot, this is an auto-generated reply | )^[Info](https://www.reddit.com/u/video_descriptionbot) ^| ^[Feedback](https://www.reddit.com/message/compose/?to=video_descriptionbot&subject=Feedback) ^| ^(Reply STOP to opt out permanently)


That's not unreasonable if you're working in reactor control safety, or an autopilot, and therefore it is considered worthwhile running multiple systems in parallel that cross-check each other.  I'm guessing you weren't...  Edit: Minor phrasing tweaks for clarity.


I recommend opening a UTMA investment account with any of the major discount brokerage firms (Schwab, Fidelity, etc) and making regular deposits into an index or target fund. Have the statements sent to your niece's address so she can see the growth over time. The custodian of the account will have control until she turns 18 or 21, then she will have full use of the money. You have other options (like a 529 account), but those come with restrictions on how the money can be spent.


"Even the Wall Street jobs require skill, knowing how the stock market work, knowing how people work, etc.   Even saying ""that luck is the main factor in the majority of cases of great wealth"" is still wrong.   Really the only time luck is the real reason is non skill based gambling games (lottery, slots, etc), inheritance, and finding a wallet on the side of the road/street"


Most of the credit unions and small banks in USA do not have the connectivity to swift network and thus does not have a Swift Code, IBAN or other international routing codes. They can still receive international wire transfers. Sender's international financial institution should have a correspondent bank in the US (which acts as an intermediary bank) to which they can wire the money The intermediary bank will send the money domestically (within USA) using aba routing numbers of the small bank or credit union.


It amazes me how I just missed this.  I graduated college in 2002.  I was able to find a job.  My college cost half as much as it does now and I was in the position to buy a home when the market bottomed out.  The people who were freshmen in college when I graduated entered a whole different world.  The problem is that as I moved up at work, I just got assigned new rolls in addition to what I was doing before.  I work in a department of 2 people, we are both Directors.  But where is my assistant and helpers, where did the entry level jobs at my workplace go? Downsized and/or outsourced.


You know what lowers wages?  Social safety nets.  *NOW*...before you read that as advocating for the removal of social safety nets, hear me out:  A low-wage service company would, in the absence of any social safety net, be required to pay employees far more.  Why?  Because employees would be required to cover all of their needs with their wage.  No food stamps, Medicaid, etc.    What, then, would higher wages do?  It would cut back on the need to spend on social safety nets.  Higher wages provide employees with the ability to cover more of their own needs with their labor income.    Unfortunately, this is a chicken-or-egg problem.  I would never cut social safety netting before advocating for higher wages, because I wouldn't leave people out in the cold without needed assistance.  So where do I stand?  I advocate for higher wages *first*, so that we can gradually decrease taxpayer funded social safety nets for working Americans later.


"Appears to be a hypothetical question and not really worth answering but... Must it be explained.. no, not until audited. It's saying that for everything reported on a tax return, people have to include an explanation for everything, which you do not, unless you want to make some type of 'disclosure' which is a different matter. Must it be reported.. Yes, based on info presented. All income is taxable unless ""specifically exempted"" per the US Tax code or court cases. Gift vs Found Income... it's not 'found' income as someone gave (gifted) the money to him. Generally, gifts received are not taxable and don't have to be reported."


It's simple. Look, children are basically an 18-year debt, and if a couple is poor, they can't adequately pay that debt AND their own lifestyle costs. If those who can't afford that debt simply... delayed or abstained from reproducing... that would very easily solve the poverty problem permanently, so long as the next generation followed the same. This next generation would also have more of a surplus since their parents had to have had a surplus before having kids. Ad infinitum. This is exactly what happened in my own family so I know it's possible.  Ultimately, most poor people only have their parents to blame.


Can confirm. I have no capability to take the hundreds of jobs in my area because they are terrible pay, and I am very over qualified for them. I can barely find 3-4 jobs a week I can apply for that would hire me. I saw something recently that said a college degree over qualifies us for a job, yet under qualifies us for a career.


Does anyone know anything about FCAC - Canada's financial bank regulator?  If so, a recent article by CBC came out stating that our financial regulator is being lobbied often by the very same banks they are supposed to be watching.  My question would be when private banks are meeting with our financial watchdogs in Canada; what would they be lobbying towards; specifically in the case of Canada, and their finance law?


I was thinking the same thing. I would have actually used it should have known. Talk about a marketing fail. Some executive just figured out the AIM task team hasn't shown up for work for a decade but they have been paid every other week.


Paying off your student loan is an investment, and a completely risk-free one.  Every payment of your loan is a purchase of debt at the interest rate of the loan.   It would be extremely unusual to be able to find a CD, bond or other low-risk play at a better rate.  Any investment in a risky asset such as stocks is just leveraging up your personal balance sheet, which is strictly a personal decision based on your risk appetite, but would nearly universally be regarded as a mistake by a financial advisor.  (The only exception I can think of here would be taking out a home mortgage, and even that would be debatable.) Unless your loan interest rate is in the range of corporate or government bonds -- and I'm sure it isn't -- don't think twice about paying them off with any free cash you have.


Northwave EC Location has to be thought out as carefully as possible. This helps in ensuring that it is at a prime point. In many cases, the land used for such developments is vast thus offering the people the space and freedom that they may be in need of. Many residential units of a luxurious nature are involved and in certain instances, shops and recreational centers can be included adding to the convenience to the people. Pop over to this web-site http://northwave.co/ for more information on Northwave EC Location.


"There are far more questions to be addressed here than one answer can address. Let me work backwards, and start with the easy part - ""I make $120K/yr, what can I afford?"" You are making $10K/mo. A great income. A well written mortgage will allow you to use 28% for housing, that's the mortgage, property tax, insurance, and HOA. On $2800, let's take out $500 for prop tax, and just $300 for insurance. I'll even ignore HOA for now. The remaining $2000/mo will fund a mortgage of $400K. That's not close to a $700K condo.  A $550K mortgage would cost $2800/mo, and $3600 with tax and insurance, $4100 with HOA. Over 40% of your gross and a sign that you are in over your head.  The real question is why you'd want to do this. $1600/mo rent means you can save $2000/mo in addition to what you already save if you stay put."


I have a loan that was picked up by BofA, too.  They required escrow, but there was a problem with one of their checks to my insurance company where it evidently got lost in the mail.  My insurance company contacted me, and I called BofA, who said it had been paid and may just be taking the insurance company a while to credit all the individual accounts (they send a check for a lot of customers at a time).  Well, since the check wasn't received, my insurance company contacted me again, and I finally straightened it out with everyone.  After that, I complained that it would have been much easier for me if I paid it myself instead of being a middle man, so they canceled my escrow, refunded the money to me, and now I pay the taxes and insurance myself.  I prefer it that way, as it simplifies things.  I've been a little surprised that BofA has been really nice whenever I contact them, and always seems willing to make me happy.  Maybe it's just because I pay on time and have paid a lot of extra on the principal so that there's no danger that I'll default.


Be very careful about buying property because it has been going up quickly in recent years.  There are some fundamental factors that limit the amount real-estate can appreciate over time.  In a nutshell, the general real-estate market growth is supported by the entry-level property market.  That is, when values are appreciating, people can sell and use the capital gains to buy more valuable property.  This drives up the prices in higher value properties whose owners can use that to purchase more expensive properties and so on and so forth. At some point in a rising market, the entry-level properties start to become hard for entry-level buyers to afford.  The machine of rising prices throughout the market starts grinding to a halt.  This price-level can be calculated by looking at average incomes in an area.  At some percentage of income, people cannot buy into the market without crazy loans and if those become popular, watch out because things can get really ugly.  If you want an example, just look back to the US in 2007-2009 and the nearly apocalyptic financial crisis that ensued. As with most investing, you want to buy low and sell high.  Buying into a hot market is generally not very profitable.  Buying when the market is abnormally low tends to be a more effective strategy.


> The state is so blue/democratic that Gov. Rauner is almost at a disadvantage by default.  More complicated than that. Republicans have been governor of the state for 8 of the past 10 terms.  The state is very blue in presidential elections, mostly red in governor elections, strongly blue in state house.   The issue is indeed that the unions have too much of a stronghold on the politicians.


NapiGator SEO is Murrieta's leading SEO Agency. Our friendly team of SEO experts are here to help you grow your business, boost your search traffic, and add more 00's to your bottom line. Our unique, high powered approach to SEO has led to our clients going from strength to strength. If you'd like to leverage our enterprise strength SEO for your business, call us today.


Yes  I kow my questions are broad and debatable, I was looking to spark the interest of multiple perspectives/opinions.   Regarding the strength of western economic fundamentals, I think a lot of it has to do with simply better performance by companies, especially in Western Europe. I think both this performance (companies' broad EPS growth) as well as less anxiety over the future of the Eurozone/PIIG debt crisis has engendered a broad feeling of positive animal spirits.   Imo this has become a recursive self fulfilling prophesy in the markets as people's optimistic expectations of the future leads to higher investment, lending and risk taking, which results in growth, which then rewards and spurs further spending/investment. The other argument (especially in EU) is that the ECB's sustained accommodative monetary policy policy is finally trickling down into European asset prices just like they did for US equities from 2011-2015.   Regarding your series of questions about China/NK, I was genuinely hoping for answers/opinions on those questions you proposed. I think China is playing Trump and the State Dept like a fiddle - stringing us along with this Kim debacle while they quietly consolidate sea territory (man-made military islands) & drilling rights in the South China Sea.


It wouldn't. An HSA is essentially a tax shelter (emphasis mine): For those that can afford it, the HSA is a powerful tax shelter It helps anyone that has money, and can put it into an HSA, but if the money isn't there, the HSA serves no real purpose.


The question Can I use balance transfer to buy car? is going to give you the same answer. It depends on the exact terms of that offer. Your offer may allow you you write yourself a check, to the checking account tied to your debit card. Or it may specifically request you identify an existing debt to repay. Read the terms.


I completely agree with the other posters, I don't want this to become WSO. If we had a FAQ for topics such as CFA, internships, networking etc. in the sidebar, it would decrease the number of such posts significantly. There's already a lot of good info in older posts, people just aren't willing to search for it.   Mods, I'd be happy to go through some of the older stuff and compile it together. There's also supposed to be a wiki feature coming soon for subreddits.