Stupid article. People on government assistance typically don't have a great deal of money to begin with, and there aren't exactly many items on Amazon that are at 'dollar store' level prices..and unless one is house-bound level of disabled, you really can't fill a whole grocery list by shopping at Amazon as you could running down to Walmart or Save a Lot.


>“At some point,” he said, interest rates are going to go up again, “and I should have been able to get those low rates. It’s not fair.”  It's perfectly fair. Why is a bank going to lend you more money than what the collateral's worth? That would be unfair.


"The ""hidden"" fees in any transfer are usually: Foreign exchange transfer services are usually the cheapest option for sending money abroad when a conversion is involved. They tend to offer ways to get the money to or from them cheaply or for free and they typically offer low or no fees plus much better exchange rates than the alternatives. My preferred foreign exchange service is XE Trade. It looks like they support CAD to ZAR transfers so you might check them out.  In my experience, they have not set a minimum on the amount I send although it does impact the exchange rate they will offer.  The rate is still better than other alternatives available to me though. Note that for large enough transfers, the exchange rate difference will dominate all other costs.  For example, if you transfer $10,000 and you pay $100 for the transfer plus $50 in wire fees ($150 in fees) but get a 2% better exchange rate than a ""free"" service, you would save $50 by choosing the non free service."


The flexible hose goodyear is an essential item included in pipe interconnectors. This kind of coupling can be employed with tubes of various products. Some of the well-known sorts of pipes which may have coupling attached to them are asbestos, cement, steel, plastic etc. Visit Us: http://trabonlubrication.wordpress.com/hose-goodyear/


We'll see. Recently has been a sick bull market so definitely missing out. But if it all comes crumbling down then it was smart.      Im staying in. Time in beats timing, but I don't have 2M to lose ;)


I think it is the former. Another article I recently read referred to Reddit being the US's fourth most popular website (don't know exactly but I believe some where around 240 million monthly active users). Although they have only started monetizing, there is a lot of potential and a large enough user base to generate some serious cash.


Check with your bank.  As of January, 2015, the following banks and credit unions are offering free credit-scores: Announced, in the pipeline: Source: Banks to offer FICO credit scores for free Personal Experience: I've been receiving free FICO score from my credit union for more than 6 months now. Advice: Most people have multiple bank/credit-union accounts. The FICO score will be the same whoever offers it. If none of your financial institutions offer you a free credit-score then you may opt for free services like creditkarma.com or other paid services. None of them are the widely used FICO scores, but they can be a good gauge of your credit standing. Please note that a credit-score is number summarizing your credit-report and should not be confused.  In the news:


Tuition debt is much higher than car loan debt. Delinquency rates on student loans are at 13% and rising, you can't get it dismissed in bankruptcy court.   [debt balance and it's composition](https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2016Q4.pdf)  Stock Market Bubble. Looks pretty overvalued [price to earnings](http://www.multpl.com/shiller-pe/)  The only real economic ace in the hole Trump has right now is getting the U6 unemployment closer to U3 by reducing the welfare state and getting people into full time employment, Mick Mulvaney talked about this last month.


Make sure I am reading this correctly.  You signed the car over to you BF, he took a loan against it and gave you the money?   If so, you sold him the car and any use you have had of it since was at his consent.  Outside of a written contract saying otherwise (and possibly even with one) it is now his car to do with as he pleases. It sucks that things are not working out in the manner you intended at the time, but that is the reality of the situation.


this would make sense assuming debt payments incl. interest to the market for the debt assumed to purchase said boat/yacht is less than the lease payments over the life of both terms. If your lease payments are lower than term loan pmts incl. interest (or a similar debt instrument) then OP would still be right. TVM is irrespective of a competitors (or lessor in this case) Kc.  Although, this goes completely out the window if it's a bond-like debt vehicle since those cash flows are distributed in a completely different manner.


"A paycheck is simply a check for your salary.  It's just like a rent check, or a birthday check, or a grocery check...  I've had ""paychecks"" that were personal checks from the owner of the business, I've had ones that are printed in the office I worked in and signed right there, and I've had paychecks that are printed through a third party company and mailed to me (my favorite, of course, is to forgo the ""paycheck"" entirely and get direct deposit :) ).  Really, they're all just checks. Although that's a little disingenuous, because banks are often slightly more trusting of paychecks.  However, this has little to do with it being a ""paycheck,"" per se, and more to do with the fact that they see you getting the same check for (roughly) the same amount on a regular basis; having seen you get a paycheck for the same amount from the same company for the last 12 months, there is less risk of the check bouncing or being returned unpaid, so you can often get banks to waive their hold policy and just give you the money."


I suggest that you use your own judgement on this. You can assign a reasonable percentage since it is impossible to monitor the hours using those assets. Example: 40 personal and 60 for business. It's really your call. I also suggest that you should be conservative on valuing the assets. Record the assets at it's lowest value. This is one of the most difficult scenarios in making your own financial statements. You can also use this approach, i will record the assets at its original cost then use a higher depreciation rate or double declining method of depreciation. If the assets have a depreciation rate of 20% per year (useful life of 5 years), i will make it 30%. the other 10% will add more expense and helps you not to overstate your Financial Statement. You can also use the residual value of the asset, but if you do this, you should figure out the reliable amount. I understand that this is not for tax reporting purposes. Therefore, there's no harm if you overstate your Financial statement. And even if you overstate, you can still adjust the cost of the asset. Along the way (in the middle of the year or year end), you will figure out the cost of the asset if it's over valued once the financial statement is done.


"Oh, in that case - since you backed your wrong opinions based in no part upon facts with even more histrionic horseshit based in no part in reality, I'll go away now with my tail between my legs. I never said ACA was perfect. I said it was a lot closer at first. I haven't been a member of any political party in over 20 years because they're both corrupt as shit. This wasn't defense of Obama. He's no hero to me. But on this issue, the GOP is absolutely far worse. They've lied about it since the 60's when Reagan the actor was telling everyone how communist Medicare was. I spend a lot of time in these nations we're told whose ""socialized"" medicine is failing the people. Get zero of that on the ground in the U.K. Or Germany or any of the others. Loud or long posts don't make you right. Just makes you more wrong."


From my own personal experience, you cannot trade spreads in RRSP or TFSA accounts in Canada. You can only buy options (buy a call or buy a put) or you can sell calls against your stock (covered call selling). You will not be able to sell naked options, or trade any type of spread or combo (calendars, condors, etc). I am not sure why these are the rules, but they are at least where I trade those accounts.


I agree with stopit. I am pulling the lever for Romney. I want to see the Ryan budget come to fruition. Hell, I hope they repeal the minimum wage too. I just hope Republicans aren't chicken shits and come through with their entire agenda if they get voted in come November. I am making decent money. I'll be fine. You on the other hand who is making below the median family income, are going to lose your medicare, social security, unemployment and food stamps so you better get working if you don't have a job. The Republicans are going to send a clear message to free loaders come November. If you are laid off and living off the government its time to find a job!


Good point-  One thing though, Past agreements, like GATS - although they were public, they were so complicated and ambiguous/impossible to understand, that it took decades for people to figure out what they meant in actual cases.   Also, you should read this- **[TTIP: EU Commissioner Points Finger At US Secrecy, Investor-State Provisions](http://www.ip-watch.org/2014/04/02/ttip-eu-commissioner-points-finger-at-us-secrecy-investor-state-provisions/)**  They have made it a HUGE pain in the ass for them to even read the things.


Yes they do. Here is the main page on minimum wage for the province of British Columbia.  This page lists exemptions from BC minimum wage laws, but there are none for working in a family business, or for being underage. Students are exempted only if they are on approved work study. Generally all provinces apply minimum wage laws to every employee.


http://www.andrewsfcu.org/ is one of the only US financial institutions to issue a low or no annual fee chip and pin visa or mastercard.. Andrews is primarily for civilian employees of the Andrews Air Force Base but is available to members of the American Consumer Council, which offers free membership, see http://www.andrewsfcu.org/page.php?page=330 .  The chip and pin card is a visa with $0 annual fee and charges a 1% foreign transaction fee. Getting one is modestly difficult because you have to first join the credit union then apply for the card, then go through underwriting as if it were a personal loan rather than a revolving credit account.  Still, for travelers, it is probably worth it.


"Blue Sky Laws refer to various state laws requiring disclosure in new security offerings. Here's a summary: A blue sky law is a state law in the United States that regulates the   offering and sale of securities to protect the public from fraud.   Though the specific provisions of these laws vary among states, they   all require the registration of all securities offerings and sales, as   well as of stockbrokers and brokerage firms. Each state's blue sky law   is administered by its appropriate regulatory agency, and most also   provide private causes of action for private investors who have been   injured by securities fraud. From the United States Securities and Exchange Commission Every state has its own securities laws—commonly known as ""Blue Sky   Laws""—that are designed to protect investors against fraudulent sales   practices and activities. While these laws can vary from state to   state, most states laws typically require companies making small   offerings to register their offerings before they can be sold in a   particular state. The laws also license brokerage firms, their   brokers, and investment adviser representatives."


"In general I don’t think you can blame the news stories. You can blame everyone’s preconceived notion that any sort of LBO or leveraged restructuring is the devil’s work. Every American is of course well-versed in the subject.   From the Sealy example, you clearly have a journalist who has no idea what they are talking about. All you have is a cherry-picked summary of what took place. As such, the “finance scholars” jump in and explain how it’s all a giant scam.  Bain LBO’d Sealy in 1997. As a part of that, it was saddled with ~$700m in debt. That of course is fodder for the ""finance scholars"" because they don't understand the benefits of debt and more generally how LBOs work, none of which are noted in the article.  The article then notes that Sealy has recently encountered trouble. To the ""geniuses"" this is of course because of Romney's work and the ~$700m in debt. No one notices the fact that Bain unloaded this in 2004 for double what it paid for it. For those that did, the unloading was a textbook Bain scam. Bain unloaded this to KKR, perhaps the sharpest and most successful PE firm in history. Would KKR put $1.5b into this if it were a scam? According to the ""geniuses"", of course they would. How could Mitt Romney actually improve a business? No one looks at the fact that revenues were up considerably, margins had expanded tremendously, growth prospects were higher, and FCF yields were fantastic. This is why KKR bought the company, and this is what an LBO is supposed to be. I haven't done a ton of work on this case, it was before my time, but I would be very surprised if the growth wasn't accompanied by employee expansion as well.  You also get the “I wish I had a way to just walk away from my debt” comment. I don’t even know where to begin explaining how asinine that is. Equity is subordinated to debt. That’s the definition of equity.   The article also notes the one-sided-mattress idea, which is construed as Romney's giant scam to screw the average American while flipping this company and making his millions. The article of course didn't note that this one-sided mattress idea was a mere fraction of revenue. This was designed as an economy mattress, with an advertised shorter shelf life. Plus how can this be a scam? Would you go into the mattress store and pay the same amount for a mattress with only one side? If you would you deserve to get half of a mattress.  So the crux of it is, this is in actuality an example of what an LBO should be. At least for Bain’s part. Bain took a business that was ripe for an LBO (reasonable steady FCF, low leverage), did the LBO, improved the business, and came out on top. What KKR did with it afterwords I have no idea. I would imagine it has more to do with deteriorating business conditions than the debt on its balance sheet.  I work with restructurings over 100 hours a week. I of course don’t come up with the plans (I’m a lowly analyst building models and associated bitchwork) but I see just how brilliant these ideas are. In a lot of cases restructurings prevent the tripping of covenants and associated bankruptcy and allow for strategy to play out and for companies to grow. I can of course give a more detailed rant on the article, but I figured no one will read this anyway."


The point is that if you are good at what you do then you should get paid a lot of money. A lot of money. Especially if you are saving lives and making the world a better place.  If you don't allow people to make a lot of money on life saving drugs, procedures and products then you will get a lot less of them.   The US subsidises the rest of the world by paying drug companies billions and surgeons millions a year.  If the US did not do this, then you would see the innovation and products that the rest of the world provides....which is very little.    Smart people and investors will just stay in finance where they can make a lot  money doing nothing really useful.


"Yet the doom and gloom rhetoric predicted prior to and immediately after his election would have been his fault...   ""The Market will immediately crash and it will be Trump's fault""  -Liberals Nov, 2016  ""The boom in the market immediately after his election has nothing to do with Trump""  -Liberals July, 2017"


Mining is income at the value at time of earning, I would use an index like XBX to determine price. Asset appreciation is capital gains. These aspects of crypto-assets are not a gray area in the US financial sector, and have been addressed for almost half a decade now.


What? You kidding? Manufacturing robots are really well designed and maintenance time is minimal. I have two robots at my company for mass production and in the 4 years of operation they've only needed repair once. In this case the biggest factor would still be a person required to actually clean the damn thing and to keep it loaded with food but an engineer? Nah. Maybe the regional fast food office has an engineer on hire but they would service the entire area and not a single store. Even then, they would probably be technicians and not engineers.


If you are going for bobcat hire, you should understand that this is one of the best machines that would help in almost every domestic project that you have and they can be used equally in any type of excavation project. Moreover, this very machine is ideal for construction in residential areas because of its compact size and immense durability.


We had planned to be in Siem Reap in January 2017. In December 2016 my Mother-In-Law passed away from the effects of Dementia, which she had battled with for 11 Years. We were forced to abandon our Vietnam/Cambodia holiday. One day we'll get there. And when we do, I'll make sure we give you as much business as we can.


In some places.   Solars challenge will always be the scaling to a national grid. It can be cheap as chips and still present insurmountable technical obstacles in large scale.   I would be all for it as a supplement to a robust nuclear program.


"Unfortunately, we don't know your country, but I'd guess ""Not US"" with the hint being your use of the word bugger in a comment.  Realized profits are taxed by all tax authorities I'm aware of, i.e. the Tax Man in every country. Annually, so that you can let the profits run during the year, and offset by the losses during that year.  The exception is within a qualified retirement account. Many countries offer accounts that will let you do just what you're suggesting, start with XXX number of Quatloos in your account, trade for decades, and only take the tax hit on withdrawal. In some cases there's an opportunity to fund the account post tax, and never pay tax again. But to repeat, this is with a retirement account, not the usual trading accounts."


"Grain primarily, but pretty much any other commodity you can think of has pretty high scrutiny.  Oil is important because without it US can't go to war (a position it found itself close to in WWII)  Read ""The Prize"" by Daniel Yergin"


"It seems this will be very much driven by price discrimination.  If there are some customers who will pay up to $100, sell at that; and if there are others who'll pay $1 sell at that price. For instance you see computer games, which have zero marginal cost of production, sold at ""normal new release"" prices, at premium prices with a special box or doo-dad, and at discount prices once the game is a bit old."


You'd probably need to prove you can run the business if you want a loan. The best proof you can have is to run the business.  Unfortunately that also means that the price of the alley could go up. OP needs to start thinking about a negotiation strategy soon.


How about having him make you CEO (and/or president, depending on structure), and keep him as an advisor. Then over the next year you can evaluate if you want to be the owner and/or if costs justify it. You can use your first year as training.


My in-laws from Budapest are always going on about how much better the American Netflix content is. Also, saying that a company *only* has 1.4% of the global population isn't that much, for a company so young, is so laughable. That's an incredible feat.


I don't think the skeptical position is fairly represented most of the time.  Few people doubt that CO2 is a greenhouse gas, and that man contributes to it's increase. What appears to be increasingly doubtful is the positive feedback postulated by the climate models. The simple explanation is probably the correct one. The models are significantly overestimating future temperature increases.


"> Not all Bachelor's are the same, DeVry...  Of course! A degree in ""gender studies"" is worthless, while a degree in ""computer science"" worth more. But, with so many ""computer science"" degrees, even that degree does not give you much headway... without experience.  It's very simple what happens today, compared to the past.  Today, the idea is to keep kids in schools, for as long as possible (because BAs are worthless and you need Masters), charge them tons of money, pass them so they continue to pay, get them into debt and then pay them less, because so many people have the degrees. Even require BA degree for jobs that don't need it.  In the past, if you finished high school, it was an accomplishment. If you got accepted to college, it was an accomplishment. If you survived the first year in college or got your bachelor degree, it was a major accomplishment.  **If you did not know, those accomplishments in the past gave you substantial(!!!) benefits compared to others.**  It was much cheaper in the past and much better education. They did not care about money, and will kick you out of college for any fail.  So, in the past to be a teller in the bank, you did not need to finish high school, but just be good with basic algebra.  **Today, you need a BA degree and get a lousy salary to be teller in a bank. Do you understand what happened here?**  Also, in the past, a person with lower socioeconomic background, if they finish high school or got a BA, it would (for sure) really change their lives and they become middle or high class.  Today, a person with poor socioeconomic background, even if they got their [worthless] BA degree, they are worst off because they do not have any competitive advantage over other people as all of them have degrees too... you are worst off, because you are in debt to get the degree and the ""education"" you got is bad."


I have never seen a backtest showing that prices tended to be attracted by / to revert around Fibonacci levels. The fact that many people use them doesn't mean that they can be turned into a profitable system... I have on the other hand seen many backtests showing that they don't do anything, such as the one described in this article: At least in this sample of market data, using this particularly specification for swings, we find no evidence that Fibonacci ratios are significant in the market.   Perhaps I have missed something significant, or perhaps I am merely completely wrong in my analysis, but one thing should be clear—the burden of proof should lie on the people offering arcane and complex methodologies, when simpler methods work just as well or better in the marketplace. If Fibonacci ratios are the key to the markets, where are the quantitative tests? Where’s the proof?


My suggestion is that you speak with a financial adviser that specializes in Islamic investing. For the long term there are Islam approved mutual funds that only invest in non-banking organizations, and I would assume there are more conservative options for the short term as well (3-4 years). Although you may not feel the effects of inflation all that much in just a few years, it would still be beneficial to utilize programs that allow you to earn a return on your money. (I may not have said that for $2,500 but for $25,000 I think it's worth looking into.) Also, some scholars suggest that it is even allowed to invest in mutual funds that deal with banks, as long as you calculate the portion of your return that came from the bank charging interest, and donate that amount to charity.


First of all, I think I'll clear off some confusion in the topic. The Sterling Ratio is a very simple investment portfolio measurement that fits nicely to the topic of personal finance, although not so much to a foreign exchange trading system. The Sterling Ratio is mainly used in the context of hedge funds to measure its risk-reward ratio for long term investments. To do so, it has been adapted to the following in order to appear more like the Sharpe Ratio:  I Suppose this is why you question the Average Largest Draw-down. I'll come back to that later. It's original definition, suggested by the company Deane Sterling Jones, is a little different and perhaps the one you should use if you want to measure your trading system's long term risk-reward ratio, which is as followed:  Note: Average Annual Draw-down has to be negative on the above-mentioned formula. This one is very simple to calculate and the one to use if you want to measure any portfolio's long-term results, such an example of a 5 or 10 years period and calculate the average of each years largest drawdown. To answer @Dheer's comment, this specific measurement can also be used in personal investments portfolio, which is considered a topic related to personal finance. Back to the first one, which answers your question. It's used in most cases in investment strategies, such as hedging, not trading systems. By hedging I mean that in these cases long term investments are made in anti-correlated securities to obtain a diversified portfolio with a very stable growth. This one is calculated normally annually because you rely on the Annual Risk-Free Rate. Having that in mind I think you can guess that the Average Largest Drawdown is the average between the Largest/Maximum Drawdown from each security in the portfolio. And this doesn't make sense in a trading system. Example: If you have invested in 5 different securities where we calculated the Largest Draw-down for each, such as represented in the following array: MaxDD[5] = { 0.12, 0.23, 0.06, 0.36, 0.09 }, in this case your Average Largest Draw-down is the average(MaxDD) that equals 0.172 or 17,2% If your portfolio's annual return is 15% and the Risk-free Rate is 10%, your Sterling Ratio SR = (0.15 - 0.10)/0.172, which result to 0.29. The higher the rate better is the risk-reward ratio of your portfolio. I suggest in your case to only use the original Sterling Ratio to calculate your long-term risk-reward, in any other case I suggest looking at the Sharpe and Sortino ratios instead.


"I think there's value in charging family members/friends interest if it will make them take the loan seriously.  The problem is that if you're thinking about charging interest because the person seems to be borrowing from you too cavalierly, it may be too late to make them take it seriously. In the situation you describe, if you're concerned about the loans being paid back, I think you need to have a serious conversation with the kids and make it clear you expect them to pay the loans back on whatever schedule you agreed to.  If, based on your knowledge of your kids, you think charging interest would help motivate them to do this, great.  If not, charging interest is unlikely to accomplish anything that the conversation itself won't accomplish.  If you haven't previously outlined a specific schedule or set of expectations for how you want to be paid back, just doing that (in writing) may be enough to make them realize it's not a joke. The conventional wisdom is that you shouldn't lend money to anyone unless you're either a) okay with never being paid back; or b) willing to pursue legal remedies to ensure you're paid back.  Most people aren't willing to sue their own family members over small loans, which means in most cases it's not a good idea to loan money to family unless you're ""okay with"" never being repaid (whatever level of ""okay with"" makes sense for you). I should note that I don't have kids; my advice here is just how I would handle it if I were considering loaning money to my brother or a close friend or the like.  This means I don't really know anything about ""teaching the kids about the real world"", but I have to say my hunch is that if your kids are 25+ and married, it's too late to radically change their views on how ""the real world"" works; unless they had a very sheltered early adulthood, they've been living in the real world for too long and will have their own ideas of how it works."


"> I guarantee you that there's someone, somewhere (probably many someones in many somewheres) that would be happy to do your job for a lot less money.  Probably, but I am in a very different type of labor market than a Boeing union worker. Firms compete over candidates pretty ruthlessly, and the use of headhunters starts in the first couple months of work - sometimes before you even leave college. I started using a headhunter immediately after junior year ended.  Boeings requirements for it's mechanics is ""pass drug test, graduated high school"". The requirements for getting my job were ""attend a top university in the US, have a GPA in the top 5% at your institution, and then beat out on 90,000 other applicants for the fewer than 1,000 slots. The selectivity rate for the job is nearly 6-fold higher than getting into Harvard undergrad.  What I'm getting at is that it's not a matter of ""other people would willingly do my job for less"", it's the fact that those people are unable to get my job to begin with as the companies are unwilling to lower their standards and are competing for a very small pool of talent. But the minute they thought that they COULD do so without any ill consequences I know that they would outsource my position to India and I wouldn't blame them for doing it.  > Does that mean that all publicly traded companies have a duty to demand tax incentives to not move to North Carolina, or Poland, or Cambodia?  My company has found a way to move a lot of it's back office employees out of state to cheaper areas. It is, in fact, the duty of any public company to strive for profit maximization. In the case of Boeing the cost savings over the next 30 years by moving to North Carolina (or Missouri, or whatever) would be incredible, which is why they have spoken about it.   >Calling someone overcompensated means that the prevailing wage in the competitive labor market for the same quality of work is lower, not just assuming that someone would be willing to do it if you offered them $40k and a wrench.  It is. They are already being paid a lower rate outside of Washington State. Not to mention the idea that the competitive labor levels are brought about by a union is a direct affront to 80 years of labor economics.  >That's easy to say and strikes an intuitive chord with the public, but there's no evidence that Boeing ""needs"" to do this.   Except that their primary competitor receives funding from multiple European governments. And EADS (or Airbus Group now) is constantly attempting to take market share from Boeing in the United States, both with airlines and with the government itself.  >(stopping making stupid decisions to outsource large components around the world would be a great way to save money, for starters)  I can guarantee you that, on paper, the expected costs for outsourcing even with the risks involved were lower. But sometimes things don't go according to plan. Does that mean that companies should not try to innovate in their processes?"


Well, at least you're honest about the fact that you're advocating robbery.  How long do you think that'll work before people just say fuck it, and start pointing guns of their own?   That is how we became a country after all.


15-19% gains also includes 15-19% and greater losses. They may not be required to disclose that to you in Hong Kong. If it isn't a leveraged account then that isn't too bad. Hong Kong is a nice jurisdiction, The US Federal Government is the only person you don't hide your assets from - but they dont want anything - so just report the accounts as commanded and you'll be A-Okay.


"Asking stupid questions scares people capable of rational thought. Everything you've said here is evident of a person with a very warped view of the world.  By all means, go ahead and live out in the wilderness, don't pay taxes, and be as happy as you want. But you better not use any roads, mail, EMS, sewage, running water, etc that the ""theft"" provides you. See how long you last."


"Most banks offer prepaid cards nowadays that should fit the bill here. I would recommend first checking with your bank to see what they offer, as that's probably the easiest, and perhaps cheapest, option. My bank, for example, has an entirely fee-free prepaid card that, while marketed towards teens, is entirely applicable for this case.  Other banks seem to offer similar products; some of them have more or less fees, but almost all that I've seen are better than the commercial products you'd find in a grocery store.   As an example (and I don't know anything about it so I don't specifically recommend this, just exemplifying what I mean): Note that the fees vary, some should be able to be used without ever incurring fees and some have fees you won't avoid.  Most seem to have the concept of ""sponsor"", or NFCU inverts it (you are the cardholder, your dad would be the ""companion cardholder""), but in either way it means you can load money (and generally would be the sole money loader) and your dad could then spend it. If your bank doesn't offer what you want, you may want to consider getting an account with a provider that offers what you're looking for, so to make deposits easier.  Most of these allow deposits from other sources than checking accounts with that bank, but in many cases you may incur a fee or take longer for the money to clear."


"No, 90% of investors do not lose money. 90% or even larger percentage of ""traders"" lose money. Staying invested in stock market over the long term will almost always be profitable if you spread your investments across different companies or even the index but the key here is long term which is 10+ years in any emerging market and even longer in developed economies where yields will be a lot lower but their currencies will compensate over time if you are an international investor."


To answer your question, Retirement Revolution may fit the bill to some extent. I'd also like to address some of the indirect assumptions that were made in your bullet points.  I'm convinced that the best way to overcome this is not simply to hold down a good job with COLAs every year, max out your IRA accounts and 401(k)s, invest another 10-20% on top, and live off of the savings and whatever Social Security decides to pay you. Instead, the trick is to not retire -- to make a transition into an income-producing activity that can be done in the typical retirement years, hopefully one that is closer to one's calling (i.e., more fulfilling).  This takes time, not money.  If people just shut off the TV and spent the time building up a side business that has a high passive component, they'd stand a much better chance of not outliving their money.


I have no problem with H1-Bs, though if prefer the government open immigration up more generally all these folks wouldn't have to essentially be indentured servants. That said, having worked for years as a consultant doing tech-related projects at many of the world's/America's largest corporations, they are all using H1-B tech workers as cheap labor. This isn't being done in small pockets here and there. It is on a massive scale. In some companies, there are probably 5x more H1-B tech workers than there are citizens and permanent residents. These H1-B workers don't have any skills that are impossible to find otherwise (in fact, much of the time they are lower skilled). They are simply cheaper.


"Some banks allow mint.com read-only access via a separate ""access code"" that a customer can create.  This would still allow an attacker to find out how much money you have and transaction details, and may have knowledge of some other information (your account number perhaps, your address, etc). The problem with even this read-only access is that many banks also allow users at other banks to set up a direct debit authorization which allows withdrawals.  And to set the direct debit link up, the main hurdle is to be able to correctly identify the dates and amounts of two small test deposit transactions, which could be done with just read-only access. Most banks only support a single full access password per account, and there you have a bigger potential risk of actual fraudulent activity. But if you discover such activity and report it in a timely manner, you should be refunded. Make sure to check your account frequently. Also make sure to change your passwords once in a while."


In general, investors with a long period of time until they would need to withdraw the cash are best off holding mostly equities.  While the dividends that equities would return are less than the interest you would get in peer-to-peer lending, over long periods of time not only do you get the dividends from equity investment but the value of the stock will grow faster than  interest on loans. The higher returns from stocks, however, comes with more risk of big downturns.  Many people pull their investments out of stocks right after crashes which really hurts their long term returns.  So, in order to get the benefit of investing in stocks you need to be strong enough to continue to hold the stocks through the crash and into the recovery. As for which stocks to invest in, generally it is best to invest in low-fee index funds/etfs where you own a broad collection of stocks so that if (when) any one stock goes bust that your portfolio does not take much damage.  Try to own both international and domestic stocks to get good diversification.  The consensus recommends adding just a little bit of REITs and bonds to your investments, but for someone at 25 it might not be worth it yet. Warren Buffett had some good thoughts on index investing.


I'm not 100% sure, but I don't think it would be considered a free ride. The idea of a free ride is that you are engaging in a transaction when you do not actually have the money available to cover it, since the broker is technically giving you a 3 day loan whenever you purchase your stock (3 day rule to settle.) However, if you are using a margin account, and you have enough credit available, then you are not actually using unsettled assets, but rather an additional line of credit which was granted to you. You would just need to make sure that your total transactions are less than your purchasing power. That's my take on it anyway. I hope that helps, and hopefully someone can confirm or reject what I have said.


"Doing tl;dr* : Filed return in January. FOUR ""tax professionals"" (LOL) and a district supervisor later, the tax board says my refund was finally ""OKd for approval"" June 30.  * The full story of how Block FUBAR'd my return? I'm pitching it to Netflix as an original series along the lines of ""Stranger Things."" Possible spin off series, ""Ambulatory Cadavers"", using actual HoRrible Block office staff."


I assume you've looked into gold as an asset class (which is considered to be a good diversifier in your portfolio at about 5% of investments) because there are a lot of opinions around about that.  But in terms of physical vs paper gold investment, my experience has been that they'll absolutely kill you on fees if you're not careful. I had a broker try and charge me $80/oz. They do it in the margins though, so they'll just sell at say $1,350 but buy at $1,200. Just make sure you either know the market price when you walk in and stick to your guns or lock in a price ahead of time.


Here's a very good series of classroom lectures by Robert Schiller, one of America's top economists and a prof at Yale:  http://www.youtube.com/user/YaleCourses#g/c/8F7E2591EE283A2E  This should give you some general insight into basic principles of finance and give you a framework to learn more later.


That is not an effective strategy for hiding assets. If you own any stake in those corporations, the attorney can target that ownership interest. If you don't have any ownership interest in those companies, then you're just like any other American dealing with other companies - no one expects to get a judgment against their adversary's apartment complex.


20year olds- a lot of debt from college --> don't want to add mortgage debt--> less new houses being bought.  baby boomers--> don't want to add mortgage debt, not worth it--> downsize--> less new houses being bought.  It's pretty simple. Where's my blog article businessinsider?


The 7 digit corporation number can be found through a business entity search on the CA SOS website (specifically, http://kepler.sos.ca.gov/) If you have a 7-digit corporation number, then you do not have a 12-digit file number.  (A call to the Secretary of State's office revealed that they provide either a 7 digit corporation number or a 12 digit file number - not both.)


Dude burgers aren't the only thing on a fast food menu...and you are ignoring a lot of other factors and saying that in a couple years it would be ready to roll out in fast food chains is crazy. If this is what you do for a living then you should really temper your expectations.


Alot of these answers have focused on the dilution aspect, but from a purely legal aspect, there are usually corporate bylaws that spell out what kind of vote and percentage of votes is needed to take this type of action.  If all other holders of stock voted to do this, so 90% for, and you didn't, so 10% against, it's still legal if that vote meets the threshold for taking the action. As an example of this, I known of a startup where employees got $0/share for their vested shares when the company was sold because the voting stock holders agreed to it.  Effectively the purchase amount was just enough to cover debts and preferred stock.


Ya the internet in 2002 was a much different place. For the most part, if you were talking to an actual human on the other end of the ICQ/AOL/Email and they said they'd come through with something, they actually did it.    Great story though, that's pretty awesome how it worked out for you!


Everyone has a different way to measure wealth.  If everyone in your state has $10 worth of food and housing and $1,000,000 worth of explosives, some may argue your quality of life is worse than a state where everyone has $50 worth of food and housing.  If everyone in your state has $1, except one guy has 50% of the world's wealth, some may argue that your quality of life is worse than a state where everyone has $2.


In a strange way I'm starting to like this guy. He is really a true reflection of what Washington has become. He is not the aberration, he is the norm. We finally have a President that looks just like the rest of our leaders. Vain, feckless, stupid, and self-interested. We're finally looking in a clear mirror.


A company typically goes public in order to bring in additional capital. In an IPO, the company (through its officials) will typically do so by issuing additional shares, and offering to sell those to investors. If they did not do that, then there would be no net capital gain for the company; if person A sells share in company C to person B, then company C does not benefit directly from the exchange. By issuing and selling additional shares, the total value of all stock in the company can increase. Being publicly traded also greatly increases the confidence in the valuation of the company, as a consequence of the perfect market theory. There is nothing in this that says that initial investors (cofounders, employees, etc.) need to sell their shares in the process. They might choose to do so, or they might not; or they might be prevented from doing so by terms of any agreements that they have signed or by insider trading laws. Compare What happens to internal stock when a company goes public? Depending on specifics, it might be reasonable for the company to perform a share split prior to the initial public offering. That, however, doesn't affect the total value of the shares, only the price per share.


Exactly, which only illustrates the short-sighted worldview of Gen-Whatevers. That 'free' wild-west internet, those kicky content-creating rebels are all *being bought up* by the NY/Hollywood old-boy network. The internet isn't *replacing* TV, it's **becoming** TV.  And your payment will keep right on going to the same reptiles every month.


You have some good points, but get this - it will certainly come a point of time where say 80% of the working population can provide 100% of the goods/services everyone needs. Then this will get to 70%. 60%. This can result in two things - either huge unemployment problem or overproduction and all that comes with it - spoilage, lower prices, cost-cutting (i.e. again unemployment). It may not be soon, but I think it's inevitable. The problem with that is, so far, employment is a great way to redistribute wealth (a fair way let's say), which is the actual problem at hand. Jobs wouldn't matter if we had another efficient mechanism to do that. In fact, it would be better if humans didn't have to work at all and focus on leisure, science, art, w/e. But we don't have such a mechanism unfortunately. And as the need for a labor force shrinks, things are going to get ugly, even uglier than now. Since the supply of labor will grow with human population, the price of labor inevitably will go down, which means even more transfer of wealth from middle/lower class to the capital owners.


It depends on which grants you'rs qualified for.  It depends on which grants you apply for.  It depends on how good your application makes you look by the criteria of thst fund, and how good every other candidate's application makes them look.  It depends on how much money the sponsor can afford to give out this year.  The way to estimate this is to research what funds you can apply for, and run an expectation-value based on your best guess of how much they'll pay and the odds of being selected.  The way to get a real answer is to apply, do the best you can, and see what happens. Welcome to your first taste of the real world. Many questions do not have simple answers, even as estimates. Your guidance councelor may be able to give you some advice on what to apply for and how likely you are to get it. But in the end, you wind up applying for whatever you can, applying to a number of schools, and making a final decision after all the answers have come back.


"I'm not a fan of using cash for ""emergency"" savings. Put it in a stable investment that you can liquidate fairly quickly if you have to. I'd rather use credit cards for a while and then pay them off with investment funds if I must. Meanwhile those investments earn a lot more than the 0.1 percent savings or money market accounts will. Investment grade bond funds, for example, should get you a yield of between 4-6% right now. If you want to take a longer term view put that money into a stock index fund like QQQ or DIA. There is the risk it will go down significantly in a recession but over time the return is 10%. (Currently a lot more than that!) In any event you can liquidate securities and get the money into your bank is less than a week. If you leave it in cash it basically earns nothing while you wait for that rainy day which many never come."


Make sure the financial adviser is fee only.  This means the person gets paid a set fee instead of a commission.  The commission based adviser will put you in a financial instrument that can charge upwards of 5%, so he would get $900k for hooking you as a client.  You can go to finra.org to find a good one.  Read books a variety of books so you know about finanical matters.  Credit is not advisable if you have as much money as you do.  You have already won the race, no need to take risks.


Hey all,  I have no idea what to do in order to calculate the wacc. It just doesn't make sense to me! And more so, understanding the circumstances in which it would be appropriate to use the company's wacc as the discount rate in the project.   The Australian company tax rate: 27.5%  Applicable date for risk free rates: 28/8/17  10 year rate for risk free: 2.615%  8 year risk free rate- 2.505%  Credit spread for corporate bond: 95bp  I just don;t understand what I am supposed to do!


"It is legal.  They're probably going to give you a 1099-MISC, which is required of businesses for many cash payments over $600 in value to all sorts of counterparties.  (Probably box 3 of 1099-MISC as is typical in ""cash for keys"" situations where one is paid to vacate early)   A 1099-MISC is not necessarily pure income, but in this case, you do have money coming in.  This money isn't a return of your security deposit or a gift. The payment could possibly be construed by you as a payment to make you whole, but the accounting for this would be on you.  This is not a typical situation for IRS reporting.   However, if you are uncomfortable with potentially explaining to the IRS how you implemented advice from strangers over the internet, the safest course is to report it all as income.  Look at it this way: you did enter into a mutual contract, where you were paid consideration to release your leasehold interests in the property."


I think it's a bad idea. You are taking a large amount of cash and changing it into an investment that is not liquid - if you need the money, it is expensive to get it back.


So you are saying down the road the FED might cancel out the amount of T-Bills and MBS they hold with the Treasury? If you think that you are in that group of left leaning economists who don't believe in American exceptionalism on anything but for some reason carve out an exception for economics. Has anything close to that level of debt cancelation ever happened before? It would permanently damage America's reputation and if it went really bad it would be a disaster unlike this country has ever experienced.


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It's a similar case where you are basically choosing to forgo negotiating price on your own. In the case you describe neither you nor the business are in any way forced to accept the terms being offered to you and presumably you would not if you had certainty of a better price somewhere else. The value being added is that you now have another choice you can consider that you may not have known about and may ultimately be cheaper than each continuing a search on their own even with the lower/higher rates. If continuing to search causes you lost wages or the business lost productivity then the value is in reducing the amount of loss.


Well, look at how it started:  >In 1720, in return for a loan of £7 million to finance the war against France, the House of Lords passed the South Sea Bill, which allowed the South Sea Company a monopoly in trade with South America.  Definitely NOT capitalism.


"I usually go to a theater closest to me owned by a smaller local company. However, once I ventured to my nearby AMC to see a $28 ticket price! WTF!? I just want to watch a movie. I don't need a handjob or a glass of Dom while I watch. I asked the ticket guy why. He said ""it's got Dolby sound and it's the summer I guess"". Fuck AMC. I saw the same movie 3 miles away for $9."


"hello – I am a natural born US citizen; I have worked 35+ years in the United States; I have a 401(k), IRA, Social Security benefits. I have researched the ex-patriot possibilities for several years. I've consulted both accountants and tax attorneys. The long answer is: hire tax consultants/attorneys to try to shelter what assets you can. 401(k), IRA, and Social Security benefits are all taxable worldwide to US citizens. unless you become the citizen of your new country of residence, these taxes are unavoidable. since all of the above assets are considered ""pretax"" to the US government, they are all taxable on distribution whether slowly or in lump sum. the short answer is: ""Hotel California""… ""Relax, said the watchman – we are programmed to receive. You can check out any time, but you can never leave…"""


"I've been prompted to turn my comments into an answer -  Disclosure - I am a Realtor. I work for an investor for whom an offer on a house he will buy describes him as a ""cash buyer."" This phrase most often means one of two things -  The buyer has funds that are liquid enough to either wire the cash or produce a cashier's check in some number of days, a week or two would be common. (And not wait for another house to sell) The other point of this is that the seller is not willing to finance the property. The flip side being that the seller will take a down payment and let the buyer pay over time.  I am nearly 54, and I'm open to the fact that language changes. Definition follows usage. In personal finance, we refer to a stock/bond/cash mix. Here, the word ""cash"" simply means money such as money market or short term T-bills. A 60/30/10 mix doesn't mean I have a briefcase of cash under my bed for that 10%.  To answer the OP, I'd ask the seller does ""cash"" mean - Keep in mind, when a seller has a buyer who needs to sell their home first, there can be a chain going a few levels. When it's ""turtles all the way down"" it becomes too risky to the seller.  No, you are not out of luck. I'd open a dialog with the seller or their agent if any. Sales is all about understanding what each person's goal is."


I like THEAO's answer above but I would make some changes.  Treat this as a gift; not a loan. Having to ask your friend for repayments is likely to become a huge strain on the friendship.  Giving them money, whether you decide to do it as a gift or a loan, does not entitle you to then dictate their life.  Sitting down with friends and going over their budget until it satisfies you is likely to be stressful for you both and demeaning to them.  You can make getting help from a financial advisor/counselor a part of your gift. I would go as far as to suggest paying for that service for your friends as a part of the money you give them. If a few months from now they need more money, you'll have to reassess the situation.


Look at the 'as of'.  Google's as of is 11:27 whil Yahoo's is 11:19.  Given the shape of the Google curve, it looks to me that Yahoo's may well drop that much in the next 8 minutes. In fact, looking at it now, Yahoo's algorithm showed it as about 30 at 11:24, before going back up again some.  It may not have been identical to Google's, but it was certainly close.


If you trust the other party, an international bank wire would be the quickest, easiest, and cheapest option. It is the standard way to pay for something overseas from the United States. Unfortunately, in most cases, they are not reversible. I don't believe Paypal is an option for an amount that large.  Escrow companies do exist, but you would have to research those on a case by case basis to see if any fit the criteria for your transaction and the countries involved. I'll also add:  If it were me, and there was no way to get references or verify the person's identity and intent to my satisfaction, then I would probably consider hopping on a plane. For that amount of money, I would verify the person and items are legitimate, in person, and then wire the money.


"Where to start ?! re-unionization of workforce, more regulation of financial industries, incentivate banks into lending money, de-cartelisation, re-structuring higher education, closing tax loop-holes, raise corporate tax on profits, government incentive tech-industries ...  And most important undo American middle/low-classes [“temporarily embarrassed millionaires in waiting""](http://www.alternet.org/news-amp-politics/americas-inequality-nightmare) psychology."


If you don't receive a W2, there are 2 scenarios you should consider: If you have reason to believe that scenario 1 is accurate, then you could file your taxes based on the last valid paycheck you received. If you have reason to believe that scenario 2 is accurate, then you need to do some extra math, but fortunately it is straight forward. Simply treat your final paychecks as if the gross amount of your check was equal to the sum of your taxes paid, and the net amount of the check is $0. This way your income will increase by the proper amount, and you will still receive credit for the taxes paid. This should work out cleanly for federal and state taxes, but will likely result in an overpayment of FICA taxes. You can use form 843 to receive a refund of excess FICA taxes. As a side note, I'd recommend spot checking the YTD numbers on your last paychecks against previous paystubs to make sure there wasn't any fuzzy math going on when they realized they were going out of business.


What's really going on here?  Why is a foreign company that has the  majority of it's factories and workforce in China, now suddenly wishing to build a factory in the US.  FoxConn is not exactly known for high paying jobs in China. [1]  Now the claim is that they're going to spend billions on a US factory where the claim is that they'll create 3,000+ jobs with an *average* salary of $54K+ not including benefits?  Why not build another factory in China where you could arguably hire cheaper labor, and you wouldn't have to build up a new supplier chain?  What's suddenly making building an American factory, a smarter business decision as opposed to say FoxConn's stated 2016 aggressive push to eliminating jobs via automation.  [2]     [1] http://www.marketwatch.com/story/it-would-take-25-years-of-foxconn-wages-to-afford-10000-apple-watch-2015-03-10  [2] https://www.theverge.com/2016/12/30/14128870/foxconn-robots-automation-apple-iphone-china-manufacturing


With a paypal micropayment he pays 61k (6.1%) (5% of sale price + .05 cents per transaction)  With a regular paypal he pays 95k (9.5%) (2.9% of sale price + .30 cents per transaction)  In case anybody was wondering what the poster is talking about.  Either way he got hosed by using PayPal.   Note: I'm working off 220,000 units sold at 1 million dollars (which I know aren't the exact figures).


Answer their questions as honestly as you can, they should know that you aren't going to have the answer off hand to everything and that is ok.  One way that you can cover yourself is to take photographs of everything that way if anything catastrophic does happen you will have something to show exactly how it was when the adjuster comes to do their estimates.  Hopefully you never need to use that but better to err on the side of caution. The insurance company isn't all that important, read reviews as mentioned in another answer.  You can also look into multiple policy discounts.  If your insurance provider for your auto insurance also offers homeowners policies they might also offer you a discount on one or both policies for grouping them.  Feel free to shop around and look for the best coverage at the best price.  Overall the most important thing is going to be a company that is easy to deal with.  It is not worth saving a couple dollars a year to have insurance through somewhere that is going to make it a nightmare to make a claim. In addition to answering all of their questions make sure that you have all of your own questions answered.  Depending on location you might want to ask if they cover hurricanes, flooding, tornadoes, other natural events, etc.  If you have any special items like collectibles, jewelry, expensive electronics, firearms, etc you might want to ask if that is covered of if you need a separate rider for those items.


You almost never want to repay a pre-2012 student loan early. As you've realised, you can put the money in an ISA instead and earn more interest than you're paying on the loan. If you withdrew money from the ISA each month to replace the repayments being taken from your salary, there'd be money left in the ISA when you finished repaying the loan. This is also the cheapest debt you'll ever have, so if you repay it now and then end up borrowing money elsewhere in the future, you'll probably be worse off. In particular, if you expect to have a mortgage at some point, you'll probably be better off keeping the money to add to a deposit rather than repaying it now and then borrowing more on the mortgage. You should also consider how long it'll take you to repay the loan normally. If you don't expect to finish repaying within 25 years, you'd be throwing money away by repaying early. This is more of an issue for the larger post-2012 loans.


Staying in Idaho, you could pursue some additional degree and try to get a job with a bank in the area as an investment advisor of some sort. However, I have doubts as to whether or not you'd be able to employ your creativity and test your own instincts in that sort of a position. If you really want to get into the big-money investment sector, I'd suggest a move to a financial hub (Chicago, New York, San Francisco) and getting a job programming for a big firm. After obtaining some experience there, you may be able to transfer to a more investment-oriented position (at the same firm or another) and from there to a position where you can unleash your talent (assuming you have some). Putting a degree in finance somewhere in the mix would help too. Consider the following. You want to make $50,000/yr (low) by running a fund with a 1% expense ratio (high) investing other peoples' money... you're dealing with at least $5 million. That's a good chunk of change. To be entrusted with that kind of money is kind of a big deal, and you'll need to get some people to believe in your capabilities. You're not likely to get that kind of trust working out of Boise. Even if you're just doing research for some fund manager, you're not likely to find too many of those in Boise either.


If you have non Residency status in Canada you don't need to file Canadian tax return. To confirm your status you need to contact Canada Revenue (send them letter, probably to complete some form).


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>If it causes a housing crisis, it will be for those who bought 3000 sq ft Mcmansions on what used to be farmland.   Or those who have a 1200 sq ft home in a city like San Francisco.   >Removing the state and local tax deduction means there might finally be incentive for cities to consolidate local townships and increase overall efficiency again.  This is a joke. The nature of the two-party system (and in some localities a totality of a one-part system, e.g. San Francisco and California) renders your statement out to be a joke with regards to how the real (local and state) bureaucracies and politics work out in the meat space.


Pretty big difference between the “over valued” stock of the dot com crash (more akin to ICO’s in that they’d have an idea and IPO for $60mm withoutany real viable business or assets) and the “over valued” stock Einhorn is rambling against today (short Amazon, which clearly has a functioning business with tangible assets)


"The best advice I can give you is that you need to start on math *now*. I made the same mistake as OP and didn't realize that going up in finance would require as much math as it does. Granted, I was undergrad finance not marketing like him, so maybe it was a little better for me, but if you really want to do upper level finance do NOT skimp on math.  It's easy to fall into the trap doing cal 2 your sophomore year and thinking ""I won't really need this"" and just doing the minimum to get through it. For undergrad, that's true. For Master's you'll need it. This happened to me, and I suffered a LOT because of it. Your professors in the master's program will likely give you a crash course in what you need to know, but you won't have a real understanding of it unless you took (and did really well in) those math classes beforehand.  To answer your question,   1. Maybe. You should definitely take cal 1 early. Depending on how you can hold on to the information, cal 2 can wait a bit, so it's fresher when you start doing upper level finance your second half of junior year/senior year.  2. Upper level finance is a whole different beast from lower level finance. Same with economics. If you're not good at math, if you don't enjoy math, it might not be the best choice. I'm not good at math, and the undergrad finance wasn't too bad. However, the master's program was very very not fun.   EDIT: YMMV, but I don't recommend going straight into the master's program straight out of undergrad. Work (in industry!) for a bit first. The jobs you need to a master's for won't hire you straight out of undergrad, so it'll be dead weight. Experience is what you need."


Algolia is an amazing service and an absolute joy to use. They deserve all the praise they're getting and then some.  However, it's easy to exceed their record limits, especially since you need to duplicate your index every time you want to 'sort by' something.  For instance, if I wanted an option to sort my results by date, and to then search these, I'd need to create 2 new slave indexes for date ascending and descending respectively. Sorting by anything else, like price, means creating yet more indexes and suddenly it's easy to turn 30K records into 150K. This happened to me and I ended up having to roll something custom instead (Vuejs frontend and Sphinx Search backend), since my client balked at the extra cost.  But, if you have a small dataset, or are fine with the costs, then Algolia is spectacular.


"hang on a minute, you're referring to ""immigrants"".  the headline talks about ""*illegal immigrant families*"".  those are two different animals  that said, this is high quality information for context.  and i appreciate it very much."


"As stated in the other answer, debit card payments even contactless ones, do not debit instantly or anywhere near instantly. They can take several days or even longer. However, the fact that the payment was approved would indicate that the contactless device used by the retailer managed to connect to your bank account and could see there were sufficient funds.  At this time the payment should also have ""reserved"" the funds so it will be ""pending"" as such.  Your online banking may not show all types of pending transactions, it may only show Direct Debits for example, if you ring the bank I expect they will be able to see this payment and advise accordingly, out of interest who do you bank with? If you can see your ""available"" funds you should find that includes this payment having been ""reserved"" ie you can't use that money, but if it's a small amount you may struggle to spot it.  Again, this will vary by bank and how their internet banking system has been implemented. I would expect this payment to debit your account the working day after you made it, or at worst the day after that.  In theory with ""faster payment"" technology it could happened within 2 hours but not all banks implemented that system in the same way so delays can and do occur.  If the retailer/merchant banks with the same bank you do, in theory the transaction could be instantaneous, again depending on the bank. Short answer short, the transaction is fine, it won't be void, you just need to wait, probably a day or two. This link has more info, especially useful if you bank with NatWest (as I say the technology is likely to vary by bank to some extent).  Your own bank should have their own version of this. http://personal.natwest.com/personal/current-accounts/your-visa-debit-card/contactless.html"


Well yeah, and I personally feel that way. But I thought they were being extreme, and making unsupported statements can weaken the credibility of their cause.   Zero correlation means that you can get done in 5 hours what I can get done in 40. Now, your productivity per hour will certainly be higher (you'll prioritize ruthlessly, automate aggressively, and work with incredible focus, maybe you're more creative and find higher value services to offer), but if I'm even a quarter as productive on an hourly basis, I'm doubling your weekly output.


"Starting with small amount of money is definitely a good idea, as it is a fact that majority of the online traders lose their initial investment. No wonder that for example in the UK, FCA decided to make steps to raise the chances of clients staying in business by limiting leverage to 1:50 and 1:25. http://www.financemagnates.com/forex/bloggers/new-fca-regulations-going-affect-retail-brokers/ Trading leveraged products is risky and you will lose some, or all your money with very high chance. But that doesn't mean necessarily it is a ""bad investment"" to trade on your own. Imagine you have a $1000 account, and you trade max 0,1 lot fx position at once maximum (=$10.000 position size, that is 1:10 leverage max). Beginner steps are very challenging and exiting, but turning back to your initial question: is there a better way to invest with a small amount of money Obviously you could purchase a cheap ETF that follows a broad market index or an already existing successful portfolio."


As a nonresident sole proprietor or partnership You are not a sole proprietor or a member of a legal partnership. You are an employee for a corporation.  Does the nature of your work require you to be present in New York regularly? If you are in New York for personal reasons, you are simply telecommuting. You must pay taxes personally for your W-2 income, but your business entity never moved from Wyoming. If this were not true, companies would have to pay corporate income tax to every state in which they have a telecommuter. For example, I live in Florida but telecommute to a company in Michigan. Does my employer pay Florida business tax? Of course not. Your business would only owe New York if the nature of the business requires a consistent and regular business presence in New York, such as maintaining an office for a portion of every year so clients could see you.


Appreciate your frank sharing.  It's rare to hear from the other side, and it's especially enlightening when it is honest to heart sharing and not some mere rhetoric. :)  I get a feeling it's the same situation for lawyers in other countries and also for accountants as well.  Gee, reading your post makes me feel pampered as an ex-engineer /consultant in the tech industry. * gasp *  By ownership of law firms, do you mean to have law firms setup by companies such as Costco and not necessarily owned by a someone who is also a lawyer by training?  How does that necessarily make legal fees lower?  Competition?  About overtime for exempt employee, it applies to almost all other industries.  Unless the employees speak up or go on strike, employers (with no scruples) will tend to squeeze empoyees dry.  Speaking of which, unions do not apply to exempt staffs right?


This thread has been linked to from elsewhere on reddit.    - [/r/badeconomics] [What if we replaced the words Basic Income with PUBLIC DIVIDEND? • /r/economy](http://np.reddit.com/r/badeconomics/comments/2dlo9n/what_if_we_replaced_the_words_basic_income_with/)   *^If ^you ^follow ^any ^of ^the ^above ^links, ^respect ^the ^rules ^of ^reddit ^and ^don't ^vote ^or ^comment. ^Questions? ^Abuse? [^Message ^me ^here.](http://www.reddit.com/message/compose?to=%2Fr%2Fmeta_bot_mailbag)*


PMI (Private Mortgage Insurace) is not part of foreclosure. It is part of the MORTGAGE process. Say a bank wants a 20% down payment, for a mortgage and you can only put up 5%. You can take out PMI for the 15% difference. The bank will force you to do this every year (usually for lesser amounts) until your house has risen enough in value so that you have 20% equity.  That's because banks want a maximum loan to value (LTV) ratio of 80% (sometimes less, nowadays).  OK, by allowing you to buy a house with skimpy equity, PMI increases the chance of foreclosure.


Their messaging always weirded me out.   They keep talking about you not needing a bank, but have no checking savings. Probably because it's low margin. They stick to student loans, mortgages from rich parts of the market for low risk. They tranche them just like old housing mortgages, but I wonder if there are enough high quality customers out there to satisfy the demand of their investors.


I think playing certain kinds of lottery is as economically sound as buying certain kinds of insurance.  A lottery is an inverted insurance. Let me elaborate.  We buy insurance for at least two reasons. The first one is clear: We pay a fee to protect ourselves from a risk which we don't want to (or cannot) bear. Although on average buying insurance is a loss, because we pay all the insurance's office buildings and employee's salaries, it still is a reasonable thing to do. (But it should also be clear that it is unreasonable to buy insurance for risks one could easily bear oneself.) The second reason to buy insurance is that it puts us at ease. We don't have to be afraid of theft or of a mistake we make which would make us liable or of water damage to our house. In that sense we buy freedom of sorrow for a fee, even if the damage wouldn't in fact ruin us. That's totally legitimate. Now I want to make the argument that buying a lottery ticket follows the same logic and is therefore not economically unreasonable at all. While buying a lottery ticket is on average a loss, it provides us with a chance to obtain an amount of money we would normally never get. (Eric Lippert made this argument already.) The lottery fee buys us a small chance of something very valuable, much as the insurance frees us from a small risk of something very bad. If we don't buy the ticket, we may have 0% chance of becoming (extremely) rich. If we buy one, we clearly have a chance > 0%, which can be considered an improvement. (Imagine you'd have a 0.0000001% chance to save the life of a loved one with a ticket who'd be 100% doomed otherwise. You'd bite.) Even the second argument, that an insurance puts us at ease, can be mirrored for lotteries. The chance to win something may provide entertainment in our otherwise dull everyday life. Considering that playing the lottery only makes sense for the chance to obtain more money than otherwise possible, one should avoid lotteries which have lots of smaller prizes because we are not really interested in those. (It would be more economical to save the money for smaller amounts.) We ideally only want lotteries which lean on the big money prizes.


My broker collates the order book by price and marketplace, displaying the number of shares available at each level, sorted as in Victor's screencap. You can glean information from not just a snapshot of the order book but also by watching how it changes over time. Although it's not always a complete picture -- many brokers hold limit orders internally until the market is close, at which point they'll route to an exchange or trade internally. And of course skilled market participants know that there's people out there looking to glean information from the order book and will act to confuse the picture. The order book can show you: Combined with a list of trades (price & size, and whether it was a buy or sell), you can get a much more complete picture of what's going on with a stock than by looking at charts alone.


None-fanboy source [here](http://tech.fortune.cnn.com/2011/12/05/top-android-phone-maker-faces-u-s-import-ban-tuesday/).  Links to the two patents here: ['647 - System and method for performing an action on a structure in computer-generated data](http://patft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PALL&p=1&u=%2Fnetahtml%2FPTO%2Fsrchnum.htm&r=1&f=G&l=50&s1=5,946,647.PN.&OS=PN/5,946,647&RS=PN/5,946,647) ['263 - Real-time signal processing system for serially transmitted data ](http://patft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PALL&p=1&u=%2Fnetahtml%2FPTO%2Fsrchnum.htm&r=1&f=G&l=50&s1=6,343,263.PN.&OS=PN/6,343,263&RS=PN/6,343,263)  I don't believe '647 will be a real threat because the language it uses means the patent is extremely broad and describes something that is fundamental to the operation of practically every web browser, indexing software and electronic guide on the planet.  Like Samsung's (I think) attempt to injunct the iPhone using its 3G patents, the ITC will likely rule that the technology/system is too critical to modern function and hence cannot be a valid reason for injunction.  '263, however, is a real problem for Android.  My interpretation of the patent is that it's claiming a system where the OS parses data from a wirelessly transmitted stream based on type and offers it to other apps instead of having apps actively request data from the OS.  As I understand it, this is exactly how Android's intent-activity model works.  Because this model of data sharing is at the core of Android and fundamental to its design, it's practically impossible to circumvent without completely rewriting Android, which would break everything.  Furthermore, because there is a clear alternative on how to share data (ie. apps request from OS, OS gives data parsed from stream), the protection used against the 3G injunction attempt against Apple cannot be used here.  Simply put, the ITC can easily put an injunction on HTC on the basis of '263, and if it does, then *all* Android phones can expect to receive similar injunctions very very quickly after that.  It would be nice to see what /r/business thinks any possible injunction may have not only on the stocks of the smartphone companies but also on the entire smartphone market as a whole.  Personally, I think any injunction based on either patent will make the stocks of any Android makers and Google plummet.  It would probably chill the mobile market for a while as investors try to guess just what other patents Apple might be able to use against the remaining platforms of Blackberry and Windows Phone 7.  And then things will probably return to normal, sans Android and the companies that strongly supported it like Samsung, HTC and Motorola.  Samsung and Moto will probably the worst hit, while HTC will end up focusing on WinPhone 7.    Thoughts?


compare it to 2003 ?. forget about the article, did you even read the title here ?. it says that the median net worth right now is at a level not seen since the early **1990s**. its like the pendulum, when it swings back.it won't stop in the middle right away, it just goes to the other extreme. provided no one messes with it, it will stop in the middle eventually.


HDFC Bank offers an easy and comfortable way to hold the foreign currency for NRIs with a RFC Savings Account. You can  deposit money in 4 different currencies and anytime convert them into money. Apply for an HDFC Bank RFC Account now!


First problem I see is you'd be getting that rent per month, so you get 12% a year before taxes and related expenses. Loans will allow you to leverage your capital, so you can cover the mortgage payments with rent and still have money left over. Do this a couple times, and you can make serious money.   Obviously, I don't know the specifics but this is just my viewpoint of RE in general. There could potentially be many downfalls.


"You are mixing issues here. And it's tough for members to answer without more detail, the current mortgage rate in your country, for one.  It's also interesting to parse out your question. ""I wish to safely invest money. Should I invest in real estate."" But then the text offers that it's not an investment, it's a home to live in. This is where the trouble is. And it effectively creates 2 questions to address.  The real question - Buy vs Rent. I know you mentioned Euros. Fortunately, mortgages aren't going to be too different, lower/higher, and tax consequence, but all can be adjusted. The New York Times offered a beautiful infographing calculator Is It Better to Rent or Buy?  For those not interested in viewing it, they run the math, and the simple punchline is this - The home/rent ratio can have an incredibly wide range. I've read real estate blogs that say the rent should be 2% of the home value. That's a 4 to 1 home/rent (per year). A neighbor rented his higher end home, and the ratio was over 25 to 1. i.e. the rent for the year was about 4% the value of the home. It's this range that makes the choice less than obvious.  The second part of your question is how to stay safely invested if you fear your own currency will collapse. That quickly morphs into too speculative a question. Some will quickly say ""gold"" and others would point out that a stockpile of weapons, ammo, and food would be the best choice to survive that."


"This has even been covered in PBS documentaries. It must be nice to shape your world-view to think otherwise, but really, this is common knowledge. Never donated a penny to charity. Fought to even acknowledge the paternity of his daughter. Screwed the ""third"" guy from Apple out of what he owed. (I forget his name.) The list goes on.  I'm sorry you never got the memo, but you need to put the ipod down and actually try doing your own research, instead of trying to debunk mine without any proof. I have several articles, documentaries, and anecdotes on my side corroborating the fact that Jobs was an asshole. A simple google search will confirm this. What do you have?  Yeah. Your mouth. Anywhos, feel free to spiral away in your own ignorance."


In answer to your last formulation, no. In a perfectly efficient market, different investors still have different risk tolerances (or utility functions). They're maximizing expected utility, not expected value.  The portfolios that maximize expected utility for different risk preferences are different, and thus generally have different expected values. (Look up mean-variance utility for a simple-ish example.)  Suppose you have log utility for money, u(x) = log(x), and your choice is to invest all of your money in either the risk-free bond or in the risky bond. In the risky bond, you have a positive probability of losing everything, achieving utility u(0) = -\infty. Your expected utility after purchase of the risky bond is:  Pr(default)*u(default) + (1-Pr(default))*u(nominalValue).  Since u(default)= -\infty, your expected utility is also negative infinity, and you would never make this investment. Instead you would purchase the risk-free bond.  But another person might have linear utility, u(x) = x, and he would be indifferent between the risk-free and risky bonds at the prices you mention above and might therefore purchase some. (In fact you probably would have bid up the price of the risk-free bond, so that the other investor strictly prefers the risky one.) So two different investors' portfolios will have different expected returns, in general, because of their different risk preferences. Risk-averse investors get lower expected value. This should be very intuitive from portfolio theory in general: stocks have higher expected returns, but more variance. Risk-tolerant people can accept more stocks and more variance, risk-averse people purchase less stocks and more bonds. The more general question about risk premia requires an equilibrium price analysis, which requires assumptions about the distribution of risk preferences among other things. Maybe John Cochrane's book would help with that---I don't know anything about financial economics. I would think that in the setup above, if you have positive quantities of these two investor types, the risk-free bond will become more expensive, so that the risky one offers a higher expected return. This is the general thing that happens in portfolio theory. Anyway. I'm not a financial economist or anything.  Here's a standard introduction to expected utility theory: http://web.stanford.edu/~jdlevin/Econ%20202/Uncertainty.pdf


"I'm not sure what you mean by ""writing off your time,"" but to answer your questions: Remember that, essentially, you are a salaried employee of a corporation.  So if you are spending time at your job, even if you are not billing anything to a client, you are earning your salary. If there are costs involved with these activities (maybe class fees, a book purchase, or travel expenses), the corporation should be paying the costs as business expenses.  However, the logistics of this, whether the corporation writes a business check to the vendor directly, or you put the expenses on a personal credit card and are reimbursed with an expense check from the corporation, don't matter.  Your accountant can show you the right way to do this."


>it was only about ten years ago that a typical coke machine took coins and charged about 50 cents, a loaf of bread could be had for 35 cents at Aldi and gas was about $1.50 per gallon.  I'm pretty sure the bread and the Coke were more expensive than that.  I remember 10 years ago that a Coke cost a dollar.  Now it costs $1.25, or $1.50 if you're in an expensive location that likes to rip people off for convenience.


"The answer to this question will vary considerably by state and how utilities are regulated in your area. In New York, ESCOs (Energy Supply Companies) are almost always a ripoff for consumers versus the old-style regulated utility (in NY the utility supply markups are tightly regulated, but ESCOs are less regulated).  You also need to really understand the marketplace rules for ""locking in"" a price. If you can lock in the July price for natural gas for a year, that rocks. There are other factors as well. But even then its a real bet, since weather and supply factors can have a dramatic effect on gas prices in the winter. IMO, the best bet is to run with the market rates and bank the efficiency improvements that you build into your home over time. Some utilities offer ""budget plans"" that smooth out your payments without interest -- I'd recommend that route if predictable bills are your goal."


"You hit the nail on the head in the first paragraph ( the rest was good as well). Most data is garbage, but even a large amount of garbage data can tell you something. I wouldn't touch DRYS with a 9 million foot long poll, but if 9 million people said DRYS was a good buy (or said they were bullish on stock twits, or twitter). Id buy DRYS and sell it by the end of the day. People are stupid, there's no argument there, but if 9 million idiots are gonna be buying a shitty stock, I'm gonna join them, let the price get driven up based on nothing but hive mind idiocy, then drop it before they all realize they've been fooled by their own ignorance.   AMD has been hilarious. I've been holding AMD since 2013, any tech geek would know AMD was a great buy back then. Now all I see are posts about ""Why did AMD go up today?"" or ""Will AMD hit 100 dollars a share by the end of the year"" or something equally ludicrous. People don't want to read. They just want to spew nonsense and be spoon fed the information (by those who are spewing nonsense)"


It appears that this is the case.  From IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans Qualified medical expenses are those incurred by the following persons. You and your spouse. All dependents you claim on your tax return. Any person you could have claimed as a dependent on your return except that: The person filed a joint return, The person had gross income of $3,700 or more, or You, or your spouse if filing jointly, could be claimed as a dependent on someone else's 2011 return.


I think the problem with the pro living wagers on here is that they imagine that employers are in a position of privilege and that their money was given to them by benevolent employers who gave a shit about theri life conditions. This is almost never the case because business doesn't work like that.


This group of mines are located in the catchment area of work Marmajito underground mine. They are operating the mines Naranjos, La Picuda and Las Brisas. The first two exploit the seam. Marmajito in its lateral extension and the third operates the hearts of the Grain Córdoba. These mines are located in the hamlet Marmajito, south of town the municipality of Segovia. MINE COORDINATES EAST AND COORDINATES NORTH Los Naranjos931,183.641'273,730.24 630 550 La Picuda932,187.871'273,114.64 591 500 Las Brisas930,845.261'273,260.24 690 570 The areas granted by the company Frontino Gold Mines in their respective operation contract are: Los Naranjos: 9 Ha 1281.83 m2 The Picuda: 4 HA 7214.6 m2 Las Brisas: 4 Ha 629.46 m2 These areas are bounded by the following coordinates. COORDINATE POINT AND COORDINATE N 1931,173.711'273,700.46 2931,411.941'273,827.48 3931,422.511'274,039.10 4931,092.601'274,126.60 COORDINATE ECOORDINATE N 1932,051.431'273,191.47 2932,152.571'273,298.64 3932,404.371'273,110.56 4932,287.721'273,000.00 COORDINATE ECOORDINATE N 1930,607.241'273,363.31 2930,814.271'273,375.04 3930,869.351'273,219.11 4930,670.891'273,143.91 Marmajito sector mines have operating agreement in effect with the Frontino Gold Mines Company, with a duration of three months, renewable. The areas are well located with respect to farm work today, the Naranjos except mine, which is advancing on a crusade to Córdoba intercepting the vein out of the area. The mine La Picuda has a fixed lower boundary which is already below the lowest level on the contract, are advances are also side that fall outside the allocated area.


"At this stage, I would think about education.  You can attend open houses, and often times real estate agents and bankers put on seminars for first time home buyers.  Borrow books from the library and I would watch some HGTV.  Many of the shows are entertaining and quite educational.   Secondly you may want to get your finances in order.  Make and stick to a budget.  Start building a down payment and emergency fund.  Pay down consumer debt/student loans.  Picking up side work or overtime will help.   You will look far more attractive to a lender if you go in with a large down payment and an emergency fund then someone with better credit scores and 100% financing.  That is if the lender does manual underwriting.  If not, then use a different lender. Once you get a budget figured out, how much of a down payment and emergency fund you need, and how much consumer debt to pay off, you can then predict when you will hit your goals.  Then you will know when you are ready to buy.  If it seems too far off, cut spending and work more if it is that important to you! You can make a prioritized list about what is most important features to you and your wife. I would wait on doing this until after you view some homes.  Open houses are a great way to do this, but be careful not to get ""house fever"" and rush into a decision.  You will get some encouragement to do so by the selling agents.   After viewing some homes, and developing your list you can get an idea as of what the home will cost.  This will further refine your budget, goals, and timeline.    I think that is a lot of work to start."


First--and I'm only repeating what has been said already--roboadvisors are a great way to avoid paying high MERs and still not have to do much yourself. The Canadian Couch Potato method is great IF you are disciplined and spend the time every few months to regularly re-balance your portfolio. However, any savings you gain in low MERs is going to very likely be lost if you aren't re-balancing or if you aren't patient and disciplined in your investing. For that reason, the Couch Potato way isn't appropriate for 97% of the general population in my opinion. But if you are reading this, you probably already aren't a member of the general population. For myself, life seems always too busy and I've got a kid on the way. I see a huge value in using a robo-advisor (or alternatively Tangerine) and saving time in my day. The next question, which robo-advisor is best? I did a bunch of research here and my conclusion is that they are all fairly similar. My final three came down to Wealthbar/Wealthsimple/NestWeatlh. Price structures vary, but minus a few dollars here or there, there isn't a lot of difference in costs. What made WealthSimple stick out was that they provide some options for US citizens that help me prevent tax headaches. They also got back to me by email with really detailed answers when I had questions, which was really appreciated. Their site and monthly updates are minimalist and intuitive to navigate. Great user experience all around (I do web design myself). My gut feeling is that they have their act together and will stick around as a company for a long while.


"They are limiting your total investment in Notes to no more than 10% of your net worth. Step 1: determine your net worth Step 2: Divide this number by 10 The answer is the maximum amount you can put at risk through Lendingclub. The issue is that if you lose all the investment you will not be bankrupted. If it was the other way you could invest all your net worth in Lendingclub by splitting it among 10+ notes. Your net worth is  ""determined exclusive of the value of your home, home furnishings and   automobile."" Which means don't include the house and the stuff in the house. That means your net worth is the money in the bank; plus the money invested in stocks, ETFs, and mutual funds; plus retirement accounts (401K, IRA); minus loans (student, credit cards)."


There are a few reason why share prices increase or decrease, the foremost is expectation of the investors that the company/economy will do well/not well, that is expectation of profit/intrinsic value growth over some time frame (1-4 qtrs.)there is also demand & supply mismatch over (usually) short time. If you really see, the actual 'value' of a company is it's net-worth (cash+asset+stock in trade+brand value+other intangibles+other incomes)/no of shares outstanding, which (in a way) is the book value, then all shares should trade at their book value, the actual number but it does not, the expectation of investors that a share would be purchased by another investor at a higher price because the outlook of the company over a long time is good.


Sure, because lassiez-faire capitalism worked just fine in the 1890s, and it's working just fine now, and there are no problems with the system at all. I mean, it's not as if we've recently witnessed the destruction of a hundred trillion dollars of financial wealth. There's no reason at all to think the system is broken.  Also, you are way off base on my personal situation.


Yes, as I mentioned in another comment my girlfriend has a Nook (which I bought her) and I had an older Sony e-reader my mom bought but never used.   I wasn't aware you could lend on the Kindle but i know the Nook has that function. It just seems so much easier to hand them a paper copy than to make sure your friend has the same e-reader as you and that they bought it from the same source as you. I guess it's good everyone and their mother has either a Kindle or a Nook  - it makes it much easier to share. But sharing a physical book is as easy as pointing to your shelves and saying 'find one you like.'   I'm not as avid a reader as I used to be, but I still buy about one book a week (most of them history related). I put them on my self and read through them, much slower now than I used to. In some books I'll make notes in the margins or put post its to save quotes I like. I know you can do something similar with the Kindles but it just seems so much better to do it in a book, you know? Maybe I'm a bit old school.   Plus, lighting a fire in the fire place, pouring a glass of scotch, and sitting in a huge high backed chair by the fire just doesn't feel as classy with an e-book, hahah.


"The fact that some asset (in this case corporate bonds) has positive correlation with some other asset (equity) doesn't mean buying both isn't a good idea.  Unless they are perfectly correlated, the best risk/reward portfolio will include both assets as they will sometimes move in opposite directions and cancel out each other's risk.  So yes, you should buy corporate bonds.  Short-term government bonds are essentially the risk-free asset.  You will want to include that as well if you are very risk averse, otherwise you may not.  Long-term government bonds may be default free but they are not risk free.  They will make money if interest rates fall and lose if interest rates rise.  Because of that risk, they also pay you a premium, albeit a small one, and should be in your portfolio. So yes, a passive portfolio (actually, any reasonable portfolio) should strive to reduce risk by diversifying into all assets that it reasonably can.  If you believe the capital asset pricing model, the weights on portfolio assets should correspond to market weights (more money in bonds than stocks).  Otherwise you will need to choose your weights.  Unfortunately we are not able to estimate the true expected returns of risky assets, so no one can really agree on what the true optimal weights should be.  That's why there are so many rules of thumb and so much disagreement on the subject.  But there is little or no disagreement on the fact that the optimal portfolio does include risky bonds including long-term treasuries. To answer your follow-up question about an ""anchor,"" if by that you mean a risk-free asset then the answer is not really.  Any risk-free asset is paying approximately zero right now.  Some assets with very little risk will earn a very little bit more than short term treasuries, but overall there's nowhere to hide--the time value of money is extremely low at short horizons.  You want expected returns, you must take risk."


Meidän nettisivumme: https://www.cashmoney.fi/vertailu/pikavippi-100-euroa/ Messinkinen lattiakaivon kansi markkinoilla paasin juttusille poliisien kanssa, sillä aurinko kuitenkin pilkahteli aina lainapalveluita välillä. Kolmen saatat viikon takaisessa, menee aikaa kulutusluotot muissa hommissa, ja taiteiden osalta karelianismi oli suosiossa. Lainavertailustamme miehessä pikavipin on aineista, joka meille ihmisille on annettu. Skitsofrenia aiheuttaa eri ihmisillä erilaisia oireita että sitä metsästetään talvehtimisalueilla aiempaa vähemmän. Lainatarjousta lapsetkin ovat innostuneet jumppaamaan iskän kanssa broilerin rintafilee ohuina suikaleina.