Using US tax code, given that your profits are less than 250K, given that you lived in that home over two years, then yes the 150K is tax free.   That is your money in the US. Note:  I won't get into all of the specifics but basically you need to live somewhere 2 years.  You get 250K per person, up to 500K.  Most enhancements count as money towards the home.  So most/all of your 12k should be discounted.  However there is a lot of fine print in this and a lot of interpretation on what is normal upkeep and what is an enhancement.


I know this isn't the topic at hand, but this kind of threat is exactly why net neutrality is so important. Imagine if the story continued thusly:  > In response, Amazon has contacted all of the major American ISPs and offered to pay them several million dollars to block or significantly throttle all traffic to www.walmart.com


There's no formula for how much is the ideal amount to spend on entertainment and fun. As JoeTaxpayer says, it's all about balance. Maybe relative costs are different in France than in the US where I live, but here, housing and the things that go with it -- electricity, heat, insurance, maybe a few other miscellaneous items -- are usually a huge portion of a young person's expenses. If you don't mind living with your parents -- and they don't mind having you -- you can save a lot of money. There are lots of things you can do for fun that don't cost a lot of money. If your idea of fun is collecting fancy cars and making round-the-world trips, yes, that can get expensive fast. When I was in my 20s, my entertainment mostly consisted of going to movies, amusement parks, and occasional concerts; and playing computer games. Those aren't super expensive as long as you don't do them every day. And keeping my car running, which saved money over buying a new car. These days I'm in a situation analogous to yours: I'm getting older, and so I'm trying to build up a retirement account so I can retire comfortably. So I have to balance how much I put away for retirement with spending on fun things now. I have certain targets, and so I budget that I will put this amount away for retirement every month, and my spending money is what I have left. I think that's better than, spend whatever I want on fun, and then put what's left toward retirement. The latter plan is probably a fast route to debt.


So you gonna not do business with essentially every multinational corporation?  Bribery is necessary to get things done in many many countries across the world. Plus you are taking samsung to task for playing ball with their now disgraced president who had some mystic pulling her strings.   If they were bribing US officials, sure, but different countries play by different rules  Hell if i remember correctly the IRS allows businesses to make deductions based on foreign bribes


This article is garbage there is very little crossover from a Walmart and whole food customer base for grocery. They are already attacking Walmart with Amazon.com Target mom's would be there ideal demo to sway over to whole foods. Not to mention whole foods doesn't have enough locations to kill anyone or anything simply lowering prices won't make people drive 30 minutes away from the grocery store around the corner.


"##Trader Joe's Trader Joe's is a German privately held  chain of grocery stores based in Monrovia, California. As of May 19, 2017, Trader Joe's had 464 stores nationwide in 41 states and in Washington, D.C. By 2015, it was a competitor in ""fresh format"" grocery stores in the United States.  Trader Joe's was founded by Joseph ""Joe"" Coulombe. From 1979, it was owned by Aldi Nord's German owner Theo Albrecht until his death in 2010, when ownership passed to his heirs. Aldi Nord entirely owns and operates Trader Joe's through an Albrecht family trust.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index)   ^] ^Downvote ^to ^remove ^| ^v0.2"


You cannot deduct expenses directly.  However, your employer may participate in programs to allow you to make a pretax deduction capped at $255 per month to pay for certain commuting expenses.  For personal car commuters the main category is to pay for parking.   IRS guidelines Qualified Transportation Benefits This exclusion applies to the following benefits. A ride in a commuter highway vehicle between the employee's home and   work place. A transit pass. Qualified parking. Qualified bicycle commuting reimbursement. You may provide an employee with any one or more of the first three   benefits at the same time. However, the exclusion for qualified   bicycle commuting reimbursement isn't available in any month the   employee receives any of the other qualified transportation benefits.


Illinois' structural budget problems in the long term are due to Madigan and the Chicago Democrats.  Illinois' current problem is because the Governor is a wealthy cruel idiot.    Illinois is only one of 8 states with a flat income tax.  It needs a progressive income tax in line with its neighboring states.


Those choices aren't mutually exclusive.  Yes, most discussion of the mortgage interest deduction ignores the fact that for a standard itemizer, much, if not all of this deduction can be lost.  For 2011, the std deduction for a single is $5,800. It's not just mortgage interest that's deductible, state income tax, realestate tax, and charitable contributions are among the other deductions. If this house is worth $350K, the property tax is about $5K, and since it's not optional, I'd be inclined to assume that it's the deduction that offsets the std deduction. Most states have an income tax, which tops off the rest. You are welcome to toss this aside as sophistry, but I view it as these other deductions as 'lost' first.  I'm married, and our property tax is more than our standard deduction, so when doing the math, the mortgage is fully deductible, as are our contributions.  In your case, the numbers may play out differently. No state tax? Great, so it's the property tax and deductions you'd add up first and decide on the value the mortgage deduction brings.  Last, I don't have my mortgage for the deduction, I just believe that long term my other investments will exceed, after tax, the cost of that mortgage.


"Amount is so big it's pretty much incomprehensible. Does it matter who we vote for? If Dems, gvmt grows by social programs. If Repubs, gvmt grows by defense spending or ""Walls"" or whatever. Grows no matter what... and that takes more and more money that we don't have. Keeps adding zeroes to that debt, and hope that other countries we have a trade deficit with continue to trade us their goods. What could go wrong?"


There is no way the stock exchange even remotely compares to the efficiency, global reach, and transparency of a decentralized asset exchange like counter wallet.   I'm not saying that these specific implementations will become the next platforms, but they are proof of concept of what's possible and its way better than the way the current institutions handle it. Block chain technology may not carry bitcoin forward to the end game but it will certainly be used in other sectors.


They've proven their incompetence to the core of their business, and worse they continue to flail with ham fisted fixes (WordPress, failed security certificate configs, random results from the 'have I been impacted' system, failure to address the freeze PINs being timestamps after a year+ of notice, etc). I can't think of any redeeming action they could take, and as they have a pretty much guaranteed customer base, they have no incentive to correct or behave any better. While it may not be their core business, data security should have been a core competency and they don't even have a CISO with an IT education or any real measure of IT competency much less DataSec.


No, it is not a taxable event. You will not have to pay tax on the $500 in this scenario. See the IRS publication 590-A: To recharacterize a contribution, you generally must have the contribution transferred from the first IRA (the one to which it was made) to the second IRA in a trustee-to-trustee transfer. If the transfer is made by the due date (including extensions) for your tax return for the tax year during which the contribution was made, you can elect to treat the contribution as having been originally made to the second IRA instead of to the first IRA. If you recharacterize your contribution, you must do all three of the following. Include in the transfer any net income allocable to the contribution. If there was a loss, the net income you must transfer may be a negative amount. Report the recharacterization on your tax return for the year during which the contribution was made. Treat the contribution as having been made to the second IRA on the date that it was actually made to the first IRA.


Ummm I bet we didn't 'work less'. Everyday was a fight for survival.  With no way to preserve food we either had to hunt gather daily and follow the food sources.  While at the same time finding/building shelter, clothing and taking care of the family.  A successful hunt would obviously be celebrated but a failed hunt could be disastrous.


Hi, Few basic things: Identify needs and process paths e.g.,  - customer queries  - payments, returns , complains  - orders Identify and setup routes : email, phone, chat, etc. Setup escalation paths , e.g. phone triage -> sales department ->sales manager Set SLA(service level agreement) and other measurement KPIs, also set up roles responsible for achieving them. Train your stuff and keep them on constant learning path. Use automation software, there is a number of ready or easily configurable products available (don't want to recommend any of them publicly). You can easily integrate and set up systems like email-to-case, web-to-case, chat, etc.


>According to something I read geography doesn't matter. Basically you could be the King of South Dakota with a $75k family income, that's property on a lake, a boat, horses, and all kinds of cool stuff. In a nice city $75k wouldn't get you as much stuff, but you'd have more people around you and more amenities. (Looking, but I can't find the source at the moment)  That's a preferences difference.  Some people like nature and would take South Dakota.  Some of us like cities, and would take Cambridge, MA.


Well for an actuary position 1-2 exams for an internship is fairly standard. As for CFA level 1 a bunch of people at my old firm told me that's what got them through the first door. But agreed that networking trumps all.


"Having worked in the financial industry, I can say 9:10 times a card is blocked, it is not actually the financial industry, but a credit/credit card monitoring service like ""Falcon"" for VISA. If you have not added travel notes or similar, they will decline large, our of country purchases as a way to protect you, from what is most likely fraud. Imagine if you were living in Sweden and making regular steady purchases, then all of a sudden, without warning your card was used in Spain. This would look suspicious on paper, even it was obvious to you.  This is less to do with your financial institution, and more to do with increased fraud prevention. Call your bank. They will help you."


I agree with buying gold, as this is truly the worldwide currency and will only increase in value if the Euro fails. The only issue will be if your country confiscates all citizen's gold ( it has happened many times throughout history.  As for ETFs, be careful because unless you purchase these in terms of other currencies (I am assuming you aren't), than the ETF you own is still in terms of Euros, making the whole investment worthless if you are trying to avoid Euro currency risk.


>They could if they paid $35 and hour.   I bet with $15/h they'd get enough applicants since minimum wage jobs at much lower seem to be snatched up.  But the fact it's not just the money, immigrants will work longer hours, faster, and can be coerced much more easily and with less complaint.


"I agree with @Pete that you may be well-advised to pay off your loans first and go from there.  Even though you may not be ""required"" to make payments on your own loan based on your income, that debt will play a large factor in your borrowing ability until it is gone, which hinders your ability to move toward home ownership.   If you are in a fortunate enough position to totally pay off both your loan and hers from cash on hand then you should.  It would still leave you with more than $112,000 and no debt, which is a big priority and advantage for a young couple. Mind you, this doesn't keep you from starting an investment plan with some portion of the remaining funds (the advice to keep six months' income in the bank is very wise) through perhaps a mutual fund if you don't want to directly manage the investments yourself.  The advantage of mutual funds is the ability to choose the level of risk you're willing to take and let professionals manage how to achieve your goals for you.  You can always make adjustments to your funds as your circumstances change. Again, I'd emphasize ridding yourself of the student loan debt as the first move, then looking at how to invest the remainder."


"Dividends can also be automatically reinvested in your stock holding through a DRIP plan (see the wikipedia link for further details, wiki_DRIP). Rather than receiving the dividend money, you ""buy"" additional stock shares your with dividend money. The value in the DRIP strategy is twofold. 1) your number of shares increases without paying transaction fees, 2) you increase the value of your holding by increasing number of shares. In the end, the RIO can be quite substantial due to the law of compounding interest (though here in the form of dividends). Talk with your broker (brokerage service provider) to enroll your dividend receiving stocks in a DRIP."


So, what is the argument to be bullish on Roku? I absolutely love the interface, so much so that all 4 of the TVs in my house are on a Roku device - or are Roku TV's.  The simplicity and speed destroy most smart TV set-ups, especially Samsung.  I understand that they can be easily copied by the big guys with deep pockets, but is there a scenario where Roku emerges as the primary interface for streaming on TV's?


The Financial Services Compensation Scheme says: Investments   FSCS provides protection if an authorised investment firm is unable to pay claims against it. For example: for loss arising from bad investment advice, poor investment management or misrepresentation; when an authorised investment firm goes out of business and cannot return investments or money. Investments covered include: stocks and shares; unit trusts; futures and options; personal pension plans and long-term investments such as mortgage endowments. An index-tracking fund provided by an authorised investment firm would seem to qualify in the cases where: The critical points here then are: I can't find anything easily to hand about FSCS on Blackrock's website, so I would imagine that you'd need to consult the documentation on your investment product to be sure.


I know nothing about this, but found this link which suggests for H&R Block specifically: I kept searching and I found the section. It's at the end in the Credits section under 'other backup withholding'. Hopefully this helps someone else in the future.


"If this is an issue of opportunity cost then there is a benefit. Mortgage interest rates are extremely low, low enough that they can effectively be used to indirectly fund investments. If one stores equity in a house, ie ""pays it off"", then that wealth returns only the rate of growth of the house less expenditures. If one borrows against the house to fund investments, then the above stated returns which on average exceed the mortgage interest rate can be augmented by the investments, yielding a greater return. The tax benefit is more of a cherry on top. If one is using this as a justification to spend then it is frivolity."


Politicians report campaign contributions, people keep track of PACs, and the lobby groups regularly post policy recommendations on their sites.  So there are cases where that recommendation went into law.  http://www.npr.org/sections/itsallpolitics/2013/11/11/243973620/when-lobbyists-literally-write-the-bill  Here are a lot of model bills from ALEC: http://www.alecexposed.org/wiki/Bills_Affecting_our_Water,_Air,_%26_Land  And I don't know if any of them made it into actual law.  But feel free to use sarcasm, that'll surely help your ignorance.


">> ...but we need to start getting over number three. > >I strongly disagree. It shows Republicans will undermine the spirit of the system and the will of the people to serve their own ends. When a group shows they will exploit anything they can to take advantage of you, you do not work with them. >  Mitch McConnell was *in the Senate* for the Bork nomination. The year before Antonio Scalia had been confirmed 98-0, as had ever been the case... from McConnell's POV, that's where the amorphous ""spirit of the system"" was broken. And low and behold, when he came to power, he didn't work with them. Your sentiment is almost literally exactly what got us in this shithole. If turnabout is fair play, this *never ends*.  >> Besides that, it's completely extraneous to the topic at hand... > >It is not.    The topic at hand is healthcare, not ""things liberals are (righteously) pissed about"".    > >Question for you: how many times do you think Democrats should reach across the aisle only to be either rebuffed, insulted, misrepresented in the media, or taken advantage of before you would support a hard line like mine above?   As many times as it takes to find someone on the other side to work with to actually accomplish anything. If this big repeal bill fails, that's a start. ""The republicans"" will do a lot of whining and shit throwing, but the reality is it will have happened because a handful of Republicans prioritized actually helping the people in their states over party rhetoric and desparation for a ""win"".   McConnel's ""shoring up"" talk could lead to a half-decent outcome... at the very least it'd be a change in the optics. No GOP senator who failed to Repeal is going to want to talk about health care at all come re-election time, so they have a bit of political cover to quietly give ground in terms of the structure of the shoring up.  Or maybe not. But we have to allow for the possibility. The tea party was born out of people on the right taking a Hard Line, and the actual work of government has suffered immeasurably for it. Deeper trenches just lead to a longer war."


"Theory of Levered Investing Borrowing in order to increase investment exposure is a time-honored and legitimate activity.  It's the optimal way to increase your exposure, according to finance theory (which assumes you get a good interest rate...more on this later).  In your case it may or may not be a good idea.  Based on the information in your post, I believe that in your case it is not a good idea.  Consider the following concerns. Risk In finance, reward comes with risk and in no other way.  Investing borrowed money means there is a good (not small) chance that you will lose enough money that you will need to pull significant wealth from your own savings in order to make up the difference.  If you are in a position to do this and OK with that possibility, then proceed to to the next concern.  If losing a lot of money means financial calamity for you, then this is a bad idea.  You haven't described your financial situation so I don't know in which camp you fall.  If the idea of losing, say, $100K means complete financial failure for you, then the strategy you have described simply has too much risk. Make no mistake, just because the market makes money on average does not mean it will make money, or as much money as you expect, over your horizon.  It may lose money, perhaps a lot of money. Make sure this idea is very clear in your mind before taking action. Rewards Your post implies that you think you can reliably get 10%-12% on an investment. This is not the case.  There are many years in which a reasonable portfolio makes this much or more, but on average you will earn less. No ones knows the true long-term market risk premium, but it is definitely less than 10%.  A better guess would be 6.5% plus whatever the risk-free rate is (currently about 0%).  Buying ""riskier"" investments means deviating from the optimal portfolio, meaning you took on more risk than is justified by how much extra money you expect to make.  I never encourage people to invest based on optimistic or unrealistic goals.  If anything, you should be conservative about how you expect things to go.  And remember, these are averages. Any portfolio that earns 10%-12% also has a very good chance of losing 25% or more.  People who sell or give advice on investments frequently get you charged up by pointing at times and investments that have done very well.  Unfortunately, we never know whether the investments and time period in which we are investing will be a good one, a bad one, or an unexciting one.  The reality of investing is...well, more realistic than what you have described. Costs I can't imagine how you could borrow that much money and only have an annual payment of $2000 as you imply--that must be a mistake.  No individual borrows at a rate significantly below 1%.  It sounds like it's not a collateralized loan of any kind, so unless you are some kind of prime-loan customer, your interest rate will be significant.  Subtract whatever rate you actually pay from 6.5% to get a rough idea of how much you will make if things go as well as they do on average.  You will pay the interest whether times are good or bad. If your rate is typical of noncollateralized personal loans, there's a good chance you will lose money on average using the strategy you have described.  If you are OK with taking risk with a negative expected return, consider a trip to Las Vegas.  It's more exciting. Ethics I'm not one to make people feel guilty for doing things that are legal but of questionable morality.  If that's the case and you are OK with it, more power to you. I'm not sure under what pretense you expect to obtain the money, but it sounds like you might be crossing legal lines and committing actual crimes (like fraud).  Make sure to check on whether what you intend is a white lie or something that can get you thrown in prison. For example, if you are proposing obtaining a subsidized education loan and using it for speculation, I could easily see you spending serious time in prison and permanently ruining your life, even if your plan works out.  A judge and 12 of your peers are not going to think welfare fraud is a harmless twist of the truth. Summary I've said a lot of negative things here.  This is because I have to guess about your financial situation and it sounds like you may have unrealistic expectations of the safety and generosity of investing.  Quite frankly, people for whom borrowing $250K is no big deal don't normally come and ask about it on StackExchange and they definitely don't tend to lie in order to get loans.  Also $18K a year doesn't change their quality of life. However, I don't know.  If $250K is small relative to your wealth and you need a good way to increase your exposure to the market risk premium, then borrowing and investing may well be a good idea."


I still remember during the dot-com boom when everyone was talking about how the traditional business metrics didn't work anymore. Turns out that a lot of people got severely burned finding out that they, in fact, did still work just fine.


I  found that  an application already exists which does virtually everything I want to do with a reasonable interface.  Its called My Personal Index.  It has allowed me  to look at my asset allocation all in one place. I'll have to enter: The features which solve my problems above include:  Note - This is related to an earlier post I made regarding dollar cost averaging and determining rate of returns.   (I finally got off my duff and did something about it)


Don't worry about it. One of the big banks who like to whine a lot about defaulting borrowers is sending credit cards to a former resident of my home. The guy died in the late 90s.


What do I need to know if I'm unemployed and need to take out a home loan to finance a litigious divorce?  Which companies are best to shop around at?  How do I present my self and situation?  What harms or hurts my chances of getting a home loan?  Is this the same hung as refinancing a house?  Is there a website or article you can recommend about this?


"It seems like if that were true, then if everyone were in one group, you'd get the biggest discount of all.  My preference has been for single payer, but recently I saw a guy suggesting single-group, multi-payer, or SGMP. This was just a comment from a physician in a medical journal, and I don't have the link and haven't been able to find out anything more about it, but it seems intriguing. It had something to do with insurance companies bidding to provide coverage services.  edit: [Here it is](http://www.nejm.org/doi/full/10.1056/NEJMp1211514#t=comments):  > JOEL SPALTER, MD | Physician - Infectious Diseases | Disclosure: None  > FAYETTEVILLE AR  > October 02, 2012  > Single Group Multi-Payer  > True reform resulting in universal health insurance and access to care is achieved by state mandates for insurance with replacement of individual or group underwriting with underwriting by ""Dutch auction"" for a percentage of the single group consisting of all of the residents of a State – Single Group – Multi-Payer (SGMP). Each successful insurance company would be responsible for payment of the percentage of the total costs for medical services equal to the percentage of the population insured. This preserves the integrity of the bidding process.    > States are free to establish the public contribution to premiums. SGMP prevents exclusion of insurance for pre-existing conditions or due to genetic background, absent individual underwriting; guarantees maintenance of health care insurance independent of place, or even existence of employment; assures equality of access to providers due to a single established remuneration scale; and assures patients' choice of providers free from any empanelling by insurance companies. Market forces will govern providers' attempts to gain and hold market share.   > A single group eases statistical comparison, with EMR, of 50, State patterns of care."


You will need a lot of cash because all the gold that you will buy will be capitalized later. You must invest but you must use your head when you do it. It is one of the most profitable businesses but when you start it you should be prepared to pay the price.


"Sadly, even if I'm a voracious reader and smarter than the smartest person ever, if I spend all my time reading and learning in the public library, the dude with ""Bachelor of Arts"" next to his name is going to get the job over me."


"This is not about better understanding risk. FICO""s clients are the credit grantors, especially banks. They want o make more loans that are not classified as subprime. The credit bureaus put together a competing credit score product. Pressure comes from the banks playing one off the other and lo and behold, what would normally get a subprime rating becomes prime. The banks win and everyone can buy a new car."


You are correct that you do not need to file under a certain circumstances primarily related to income, but other items are taken into account such as filing status, whether the amount was earned or unearned income (interest, dividends, etc.) and a few other special situations which probably don't apply to you.  If you go through table 2 on page 3 and 4 of IRS publication 501 (attached), there is a worksheet to fill out that will give you the definitive answer.   As far as the 1099 goes, that is to be filed by the person who paid you.  How you were paid (i.e., cash, check, etc., makes no difference).  You don't have a filing requirement for that form in this case. https://www.irs.gov/pub/irs-pdf/p501.pdf


My mother worked for one of the major American car rental companies. She talked about this topic with me and my answer will summarize the talk. Does the fact that they sell the car mean during this time suggest that they know the car's cost of further maintenance or other costs will be higher? Or is there another reason they sell at this time which, has a calculated advantage to them, but which is less than idea statistically for me, the purchaser? There is much more to the price equation. A premium rental car company (one that only rents fairly new, nice cars) has a certain image to maintain to protect their perceived value. A new-ist car also, besides the point of the image of the general company, commands a better rental price. Many Web sites and articles warn against buying former rental cars, because people renting these cars often mistreat them. This is a bad argument you've read. If former rental cars are in bad shape, the price will reflect that. If they are priced the same for the same miles ridden, they have equivalent wear and tear. In other words, the relative price of the car determines whether rental cars are more heavily worn not random people's opinions on the internet. People on the internet are mostly wrong. Irony intended. From the single company I have as reference, I also don't see that as relevant. There are company and governmental regulations to keep maintenance up. I clean my car once a year. Change the oil twice. Replace my wipers every eighteen months. And so forth. The maintenance cycles required for rental cars may (and this is just speculation) negate the gradual extra degradation that drivers may have on rental cars.


The UK has historically aggressive financial law, inherited from Dutch friendship, influence, and acquisitions by conquest. The law is so open that nearly anyone can invest through the UK without much difficulty, and citizens have nearly no restrictions on where to invest. A UK citizen can either open an account in the US with paperwork hassles or at home with access to all world markets and less paperwork.  Here is the UK version of my broker, Interactive Brokers.  Their costs are the lowest, but you will be charged a minimum fee if you do not trade enough, and their minimum opening balance can be prohibitively high for some. If you do buy US products, be sure to file your W-8BEN.


To be fair early in my career I did request significant raises as the job duties expanded.  I provided justification and showed that I was worth it, the company agreed.  My company is also in a growth phase so it made sense to them. So you may want to consider a jump or two to maximize your base salary.  However if you are happy somewhere, and they company is happy with you, you may want to just speak to your manager and find out what your options are.  Do some homework on the market for someone in your position and show just cause.


Up to some degree, a higher or lower interest rate means a bit less or a bit more money in your pocket. If the interest rate gets too high, you may be in trouble. So you first look at the situation and ask yourself: At what interest rate would I be in trouble?  If this is a $20,000 student loan, then even a very high rate wouldn't be trouble. It would be unfortunate and unpleasant, but not fatal. For a $800,000 mortgage, that's different. Each percent more is $8,000 a year. Going from 3% to 10% would change the interest from $24,000 to $80,000 a year, which would be fatal for many people.  In a situation where you can afford increasing variable payments without problems you can go for it. If your variable rate would vary over time between 4% and 6% you would still be even. In that situation, go for variable (taking into account where you think interest rates will go in the future). For a mortgage, the security would likely be more important. (On the other hand, if your dad is a multi-millionaire who would help you out, then that big rate increase wouldn't be fatal, and you could go for a variable rate mortgage).  In some countries, you can cancel any loan contract when the interest rate is raised. So raising a variable mortgage interest rate would allow you to look elsewhere without early repayment penalties. Check out if that is the case for you.


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3G capital is one of the major holding companies of Heinz.  They own (co-own) many major bands, such as Burger King.  They are known for completely gutting the core values these companies were built on.  All the matters to them is cost cutting (often food/product quality, salaries, wages, benefits, company perks, company celebrations, etc).  They promote a zero based budget meaning every organizational expense is tirelessly scrutinized in the search of slimmer costs to increase profit.  They embody all the is wrong with capitalism when it comes to society-at-large.  So how does this guy play into it?  They are also known for promoting their young employees quickly.  It effectively allows them to pay young employees less for more work.  I know first hand, it creates a culture of young people working long hours for low pay with the hopes of being the next rising star.  People like this 29 year old CFO may be compensated well, but likely has most of the compensation held in bonuses for short-term results.  The result is very quick employee burnout and turnover, and zero work-life balance.  All i can say to finish this rant off is that in the short-term, the system 3G is putting into place for the companies they are absorbing is effective for trimming costs and increasing profits for shareholders.  Long-term, the low pay, long hours, and zero family values is and drain on society.  They are a cancer in the business world.  Read some articles about their takeovers of Heinz, Burger King, Tim Hortons.  Their treatment of employees is horrific, again I've seen it first hand.  Head over to /r/Canada and read how Canadians now view the products and values of their once beloved Tim Hortons.


"Before anything else, read up on the basics of economics. After that, there a few things you need to ask yourself before you even think about investing in anything: If you have an answer to those questions: Once you answered those questions I could make a simple first suggestion: Confident in handling it yourself and low maintenance with uncertain horizon: look up an online bank that offers ETFs such as IWDA (accumulation (dividend is not payed but reinvested) or income(dividend is payed out)) and maybe a few more specific ones then buy and hold for at least 5 years. Confident and high maintenance with long horizon: maybe stock picking but you'll probably never be able to beat the market unless you invest 10's of hours in research per week. However this will also cost a bit and given your initial amount not advisable to do. Be sure that you also have a VERY close look at the prospectus of an investment (especially if you go with a (retail) bank and they ""recommend"" you certain actively traded funds). They tend to charge you quite a bit (yearly management fees of 2-3% (which is A LOT if you are eying maybe 7%-8% yearly) aren't unheard of). ETF's such IWDA only have for example a yearly cost of 0.20%. Personally I have one portfolio (of many) only consisting of that ETF (so IWDA) and one global small cap. It's one of the best and most consistant ones to date. In the end, the amount you start with doesn't really matter so much as long as it's enough to buy at least a few shares of what you have in mind. If you can then increase your portfolio over time and keep the expenses in check, compounding interest should do the rest."


I used to work for Ally Auto (formerly known as GMAC) and I'd advise not to pay off the account unless you need to free up some debt in your credit report since until the account is paid off it will show that you owe your financial institution the original loan amount. The reason why I am saying not to pay-off the account is because good/bad payments are sent to the credit bureau 30 days after the due date of the payment, and if you want to increase your credit score then its best to pay it on a monthly basis, the negative side to this is you will pay more interest by doing this.  If ever you decide to leave $1.00 in loan, I am pretty much sure that the financial institution will absorb the remaining balance and consider the account paid off.  What exactly is your goal here? Do you plan to increase your credit score? Do you need to free up some debt?


Perhaps a technicality, but minors do not have the legal capacity to bind a contract. Making a purchase from a store is a contract. I'm not a lawyer and there may be case law to the contrary or that creates exceptions, but my understanding is that purchases made by a minor may be void if later challenged. JohnFx's answer is true from a practical sense. But if you get turned away at a store, understand that they're probably just being careful to avoid headaches later.


"You've been taking the RMDs. Each year the RMD is calculated by taking the prior 12/31 balance and dividing by the divisor, calculated when you inherited, and dropping by 1 each year. Some great trades and your account balance goes up. That's great, but of course it sends the next RMD higher.  I'd understand how marginal rates work and use the withdrawal to ""top off"" your current bracket. This will help slow the growth and runaway RMD increases."


Boiler Room anyone?  Cold calls all day long until you get someone (usually older people) on the phone and try to have them give you money to invest so you'll stop selling them.  Ideally it COULD make money from the commission structure but usually people burn out fast.  There are going to probably be better 'pure sales jobs' which pay more and are more legit then this.  2 cents


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"Yes please!  Or maybe 6 months on, 6 months off.  I'd be happy doing that until age 70, whereas right now working 12 months a year with only a little vacation here and there ... I just can't wait to be able to retire, keep doing the math every week or two - ""can I live on X for Y years"".  I have tons of friends that age as well that are all really disenfranchised by work and dying to retire.  This would make life SO much more worthwhile.  Problem with retirement being 65+ is that by then you're no where near as able to enjoy the world (imho and just stating the facts, not a diss, and heck this starts happening when you hit 45...)."


"FTA: ""Verizon would give up its television and Internet landline business known as FiOS, which has been a cable alternative for 14 million U.S. homes.""  Somebody explain to me !!! WTF does it mean? Are they going to give FiOS over to Comcast?"


I found a way to do this, but it's slightly backwards. Quicken does not allow you to make a graph of just your income, probably because that would be a fairly boring graph for most people.  But it does allow you to do a graph of your expenses.  Doing so, while including income categories, will produce the graph I want, but with negative numbers (savings is negative spending). This will show a bar graph of overall spending, counting income as Negative Spending.  So, having negative bars is good in this case.


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"I would not call this a ""good"" idea. But I wouldn't necessarily call it a bad idea either. Before you even consider it, you need to do a little bit of soul searching. If there is ANY chance that having multiple credit cards could entice you to spend more than you otherwise would, then this is definitely a bad idea. Avoiding temptation is the key to preventing regrettable actions (in all aspects of life). Psychoanalysis aside, let's take a mathematical approach to the question. I believe your conclusion is correct if you add some qualifiers to it: A few years from now, then your credit score will probably be higher than if you just had 1   credit card. Here are some other things to consider: And, saving the best for last: As for the hard inquiries, they should only have an effect on your credit score for 1 year (though they can be seen on your report for 2 years). Final thought: if you decide to do this (and I personally don't recommend it), I would keep the number of applications smaller (3-5 instead of 10-15). I also would only choose cards that have no annual fee. Try to choose 1 card that has 1-2% cash back and make that your regular card."


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Walmart does all kinds of illegal shit.  Extortion, bribery, price fixing, wage theft, sexual discrimination, and I have heard first hand accounts of Walmart ruining farmers that get into contracts with the the company.    The sad part is.....I still shop there.


Avoiding a cost (interest) isn't quite the same as income. There is no entry, nothing for you to consider for this avoided interest.  What you do have is an expense that's no longer there, and you can decide to use that money elsewhere each month.


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"This may be more of a comment than an answer, but it's too long for a comment. Perhaps the Stackexchange Gods will forgive my impudence. That said: Even with the tax penalties, it can be to your advantage to put money into a ""retirement"" account and withdraw it before retirement. The trick is: Is the amount of the tax penalty more than the benefit of untaxed compound growth? For example, just to make up some numbers: Suppose you have $1000 of gross income to invest. You are considering whether to invest in an ordinary, non-tax favored account, or a classic IRA. Either way you will get 10% returns. Your tax rate, both when you put the money in and when you take it out, is 15%. There is a 10% tax penalty for early withdrawal. With an ordinary account you will pay 15% tax off the top, so you are only investing $850. Then each year 15% of your returns are paid in taxes, so your net return is 8.5%. But when you withdraw the money there are no additional taxes. With an IRA you do not pay any taxes up front, so you can invest the entire $1000. You collect 10% each year with no taxes. When you withdraw, you pay 15% plus the 10% penalty equals 25%. So after 5 years, the ordinary account would yield $850 x 1.085^5 = $1504. The IRA would yield $1000 x 1.1^5 x 0.75 = $1208. The tax penalty hurts. You are better to use the ordinary account. But if you could leave your money in for 25 years, then the ordinary account would yield $850 x 1.085^25 = $7687. The IRA would yield $1000 x 1.1^25 x 0.75 = $8126. The IRA, even with the tax penalty, is better. Of course my numbers are just made up. What your tax bracket is, what returns you get, and how long you think you might leave the money in the investment, all vary."


If you do go the online route (there's TONS of information out there on how to launch an e-store) make sure you're aware of the caveats. Amazon sellers for example can be shafted pretty hard on returns, as policy generally dictates that you eat the costs. If you don't have a lot of capital this could be back-breaking.   Don't let that discourage you, though! You could make a decent business essentially just setting up an online storefront and drop shipping items from elsewhere, which could fund the capital needed to open a brick and mortar shop.  To answer your question directly, what everyone else has said is definitely important and correct but don't ignore the smaller things like the fact that you could have a page that presents the items better and makes things look more appealing/luxurious, and the fact that not everyone punches every item they're considering buying into Google to compare. Decent marketing can go a long way (depending on what you're selling, at least)


Another benefit of holding shares longer was just pointed out in another question: donating appreciated shares to a nonprofit may avoid the capital gains tax on those shares, which is a bigger savings the more those shares have gone up since purchase.


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"Scammers know you're not stupid enough to fall for this.  So when you balk, he'll understand and offer to send you a check.  When he sends you a check, he'll say cash it, keep $XXX for yourself, then forward him the rest for some other expense (or even possibly send it to someone else).  Know in advance that that's a scam, too.  When his fake check bounces you'll already be out the money and he'll be long gone. ""If it's too good to be true, it probably is"""


You can play with the numbers all you like (and that's good), however, here is a different way to look at it.  The debt you have is risk. It limits your choices and eats your cash flow. Without the debt, you can invest at a much greater rate. It frees up you cash flow for all the things you might want to do, or decide in the future you might want to do. Right now is the easiest time for you to focus on debt repayment. It sounds like you are not married and have no children. It is much easier now to cut back your lifestyle and concentrate on paying off this $50k of student debt. This will get harder as your responsibility increases. Build up a small amount of cash for emergencies and put the rest at the debt. You can keep contributing to your 401k to the match if you want. This will give you 2 benefits: Patience. When you actually DO start investing, you will have a new appreciation for the money you are using. If you sacrifice to pay off $50k now, you wont look at money the same for the rest of your life.  Drive. If you see the debt as a barrier to achieving your goals, you will work harder to get out of debt.  These are all things I would tell my 23 year-old self if i could go back in time.  Good luck!


Inflows to the US equity market can come from a variety of sources; for instance: You were paid a year-end bonus and decided to invest it in US equities instead of foreign equities, bonds, savings or debt reduction. You sold foreign equities, bonds, or other non-US equities and decided to invest in US equities. You decided a better use of cash in a savings account, CD or money market fund, was to invest in US equities. If for every buyer, there's a seller, doesn't that also mean that   there were $25B in outflows in the same time period? Not necessarily. Generally, the mentions we see of inflows and outflows are net; that is, the gross investment in US equities, minus gross sales of US equities equals net inflows or outflows. The mere fact that I sold my position in, say, Caterpillar, doesn't mean that I had to re-invest in US equities. I may have bought a bond or a CD or a house. Because of fluctuations in existing stocks market value, bankruptcies and new issues, US equities never are and never will be a zero-sum game.


There are two sources for shares that employees buy through ESOPs. A company can simply buy the shares on the open market. The company must pay for the stock, but the employee then pays the company for the shares. If employees get a discount on the ESOP shares, the company would pay for that percentage directly. The company can choose to issue new shares. These new shares dilute the ownership of all the other current stockholders. While #2 is common when companies issue stock options, I'd be surprised to see it with an ESOP. In most cases, employees are limited in the amount of their salary they can devote towards the ESOP. If that limit is 10% and the discount that the employees get is 10%, the cost on a per-employee basis would only be 1% of that employees salary, which is a small expense.


How's your savings and emergency fund? Everyone should have an emergency fund that will last them 6 months, and the goal should be two years' worth.  This should be in an easily accessible account, such as a savings or money market account at your bank (you could consider CDs, but unless you're laddering them there will be penalties to get at the money). Once you've got 6 months' worth saved, the next thing to focus on is a tax advantaged retirement account.  Only when you've maxed out your contributions (and the tax benefits) should you consider other investments.  After all, those tax benefits are free money from Uncle Sam :)


"Don't confuse ""caring"" with ""creating visibility."" I bother to respond not because I care what Troll A or Troll B thinks, but because I want to ensure *my* message gets in front of the silent lurkers who read the comments.  Of course, sometimes I just repeat a person's words back to them… for fun, to highlight how inane they are. Like all that ""bitter"" crap and ""where did you go to marketing school?""   Which gets me labeled a bitch. That's fine by me. Gets my stuff in front of more eyeballs, more people I can reach.   Also… this has been extremely boring to me. I haven't been on reddit in a long time, but I remember it being… wittier. I spend most of my ""internet news aggregator time"" on HN, where the level of ad hominem attack is usually much higher. I'm home sick, and bored, and glad to get another 4,000 page views -- total of now about 16,000! woot! -- but I do wish the level of discourse were higher so it would be some kind of *challenge*."


It's good to see I'm not alone in this. I'm not a lazy person, I'm willing to bust my ass to earn a living but no employer seems to want to pay a fair wage. I was working a 9-5 unloading trucks in a warehouse which was practically constant work with a 15 minute break for 8.95 an hour. Switched to a 10pm-6am job unloading for Kohls for 9.50, supervisor couldn't understand why she was losing workers so fast. Decided Id rather be broke then put my body through that and not even make rent


But if it's possible, an example of it should exist, and it doesn't.  That Roman Democracy example?  The rich got so very rich at the end of the Roman republic that they could raise their own armies, and they did.  The strongest great-nephew was left standing.  It was a problem of too-great wealth accumulation; something that's happening now, and would happen without pause in the sort of society you envision.  Strongman.   The problem of monopoly exists in your libertarian paradise as well, but the definition of the society does not allow a solution.  We have trust busters; at least we have in the past and so can envision having them in the future.  Those violent deaths in what you call anarcho-societies were a feature, not a bug.  How would your envisioned society settle differences?


The simple answer: The opening price is the price of the first trade of the day and the closing price is the price of the last trade of the day.  And since the stock price change from trade to trade they are usually different.


The market doesn't know or care why you bought.  What you are asking is effectively 'this share went down in price after I bought. Is there anything I can do?'. Consider what you are asking for - if there were anything you could do, then no one would ever make a loss. How do you suppose that would work?


"Go to college: Unemployement for a year, $30k debt, ""unpaid internship"" for a year after, $50k base after 3 years experience in a junior position, some benefits.  Become a cop: Union protection, $59k base with upwards $200k income, government benefits and healthcare, paid equipment and expenses, ""external"" privileges dealing with law enforcement."


It sounds like your current loan is in your name. As such, you are responsible for paying it. Not your family, you. It also sounds like the loan payments are regularly late. That'll likely drastically affect your credit rating. Given what you've said, it doesn't surprise me that you were declined for a credit card. With the information on your credit report, you are a poor risk. Assuming your family is unable to pay loan on time (and assuming you aren't willing to do so), you desperately need to get your name off the loan. This may mean selling the property and closing out the loan. This won't be enough to fix your credit, though. All that will do is stop making your credit worse. It'll take a few years (five years in Canada, not sure how many years in India) until this loan stops showing up on your credit report. That's why it is important to do this immediately. Now, can a bank give you a loan or a credit card despite bad credit? Yes, absolutely. It all depends on how bad your credit is. If the bank is willing to do so, they'll most likely charge a higher interest rate. But the bank may well decide not to give you a loan. After all, your credit report shows you don't make your loan payments on time. You may also want to request your own copy of your credit report. You may have to pay for this, especially if you want to see your score. This could be valuable information if you are looking to fix your finances, and may be worth the cost. If you are sure it's just this one loan, it may not be necessary. Good luck! Edit: In India CIBIL is the authority that maintains records. Getting to know you exact score will help. CIBIL offers it via TransUnion. The non-payment will keep appearing on your record for 3 years. As you don't have any loans, get a credit card from a Bank where you have Fixed Deposits / PPF Account as it would be easier to get one. It can then help you build the credit.


"All of these frameworks, Markowitz, Mean/CVaR, CARA, etc  sit inside a more general framework which is that ""returns are good"" and ""risk/lack of certainty in the returns is bad"", and there's a tradeoff between the two encoded as some kind of risk aversion number.  You can measure ""lack of certainty in returns"" by vol, CVaR, weighted sum of higher moments, but even sector/region concentration.  Similarly do I want more ""returns"" or ""log returns"" or ""sqrt returns"" in the context of this tradeoff?  You don't need any formal notion of utility at that point - and I don't know what formal ideas of utility beyond ""I want more returns and less risk"" really buys you. The Sharpe ratio only really gets its meaning because you've got some formal asset-pricing notion of utility.   In my view the moment that you're putting constraints on the portfolio (e.g. long only, max weights, don't deviate too much from the benchmark ...) - really you're operating in this more general framework anyway and you're not in ""utility-land"" anymore."


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There are business that exist by harvesting leads and selling them to other companies.  These leads can be access to resumes they sell to business looking for employees; they can be eyeballs that view their adds; they can be list of people that meet a specific credit profile. All are legitimate business and many are growing businesses. But in all these cases they are upfront with the things they are doing. They all have escape mechanisms for you to either stop them from selling your info to other customers, or to restrict the ability of those customers to contact you. There are also companies that are less honest with their collecting and selling of information. They are not honest about what they are collecting, and they have no care about how others use it. There are also cases where when a company buys another company, and  one main item in the transaction is the current and potential list of customers. Business with a legitimate product to sell, protect that customer list, that is the keys to the kingdom. They are the likely people who will buy the next version; they are also the ones that their competitors would love to target to convert them to another product.  In some businesses, the company that develops the platform will sell to developers of add ons access to the marketplace. They may charge a flat fee for access, or charge a percentage of sales, or both.  What you can do, and how you are allowed to do it, and what mechanisms are in place to protect people, are dependent on the country you operate in.


Perhaps someone has an investment objective different than following the market. If one is investing in stocks with an intent on getting dividend income then there may be other options that make more sense than owning the whole market. Secondly, there is Slice and Dice where one may try to find a more optimal investment idea by using a combination of indices and so one may choose to invest 25% into each of large-cap value, large-cap growth, small-cap value and small-cap growth with an intent to pick up benefits that have been seen since 1927 looking at Fama and French's work.


/r/personalfinance might be better.  Not really sure where this falls... this sub is more for just specific financial industry news and topics.   Here's the DOL page.  In all honesty, I'd imagine it'd be considered fair if the law only required him to pay you hourly for the work periods during the day so long as they expensed all your travel expenses.  Seems absurd to give you 24 hours of pay if you're going to go stay overnight somewhere that's already paid for by the employer and work a normal day.  http://www.dol.gov/whd/regs/compliance/whdfs53.htm


"I think the best way to handle her fears is to explain the income and expenses of the household overall, then explain the savings and investment strategies, retirement projections, and then finally explain a concrete number for allowable monthly or annual discretionary expenses (including charity, entertainment, vacations, etc.).  You may have delicate relationship reasons for not doing this, but if you want a reasonable discussion, I would leave it this way. Please do not open with the question ""how much do you think we make"" or anything similar because that comes off as a trick or a quiz.  It sounds very condescending and highlights how much more you know about finances than she does.  It also highlights subconsciously how little mental control she has over the finances, which is likely to make her feel greater anxiety. You should emphasize how secure things are and explain why all the savings and investments you're using are conservatively likely to keep her financially secure.  This sets the ground for her to be comfortable with the fact that she now has money, in contrast to perhaps a less financially secure personal history. After that, charitable expenses come out of the expense budget, same as vacations, recreation, etc.  If it does not implicate financial security, then it's not dangerous to spend on charity. The alternate approach is to avoid the big financial talk and just propose a few small contributions this year. Then increase it every year incrementally. That may be easier to swallow once there's a psychological track record of donating without incident. Please go into the discussion remembering three things: But above all, please do not open up with a quiz.  Have a simple discussion with her.  Give her time to consider the expenses budget relative to the savings budget as a proportion of income.  And then allow for the fact that she may place a strong premium on savings and a strong discount on charity."


They are evidently going to divide Staples into three separately financed entities: U.S. retail; Canadian retail; and corporate-supply businesses. Smart move by Sycamore Partners. I know Stefan Kaluzny personally and he's a smart guy. Potentially largest LBO this year.


That's true, though I feel he means it more in terms of hindsight. Yes, low interest rates will cause the stock market, as a whole, to rise. Though it is not actionable by us prior to the rise or fall in rates because we can never know before it happens.  We're then left with only one real way of making money in the market and that's the purchase of undervalued companies with all the aforementioned criteria.


Stockholm är en vacker stad, inte bara när det kommer till arkitekturen inne i staden utan även när det kommer till miljön och naturen, både inne i stadskärnan och utanför de urbana gränserna. Detta är resultatet av en lång och dedikerad satsning från såväl staden som byggfirmorna som utför byggarbeten i regionen. Att bygga miljömedvetet har länge varit en viktig del av alla byggnationer, speciellt här uppe i Norden.   Våra handlingar påverkar alltid miljön på något sätt   Att vi människor sätter våra spår i vår miljö och omedelbara omgivning är oundvikligt. Det betyder dock inte att vi förstora eller smutsa ned i onödan, tvärtom. Alla måste ta sitt ansvar när det kommer till miljön, både privatpersoner, företag och regeringen. För att kunna utföra byggprojekt på ett miljömedvetet sätt, både när det kommer till byggnadens material samt själva byggnadssättet, kan byggföretaget ta hjälp av en miljökonsult i Stockholm. http://www.exengo.se/


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they have weighed its impact on healthcare how could they possibly do that from a meaningful methodological point of view? American healthcare was and is the one of the biggest clusterfucks of all time from an organisational point of view.  Essentially, everyone is on the take. The insurance companies want to charge the highest premiums, the hospitals want to perform as many procedures as possible, and the doctors want as big a cut of the take as they can get their hands on. The patient has no choice about how much is spent, and simply wants to survive. And until recently there was no attempt to regulate Fair Use within the system.   Do you really think that have any real practical understanding of the situation, and even if they did, would that make any difference at all to the travesty that is going on in Washington at the moment?


No.  The WSJ prime rate is 4.25%, even the Fed prime rate is 1.75%, way above the 1.20% you'll be making from your savings account. If you are high worth individual with great credit history, the bank might give you a personal loan at 4.25%. They won't care what you do with it as long as they get their payments. If you are not that creditworthy, they'll ask for a collateral, you can mortgage your house for example. It ends up being the sames thing, you get your money and do what you want with it. If you can make more than the interest rate the bank gave you, great, you made profit. The bank however won't agree to lend you money at 0.6% (1/2 of the 1.2% APY your savings account will bring). Why would they when they can loan that at prime rate of 4.25%?? The closest you can get to something like this is if you are a hot-shot wall street money manager with track record of making big profits. In that case the bank might put some money in your fund for you to manage, but that's not something a regular person can do.


If that's what you're into, then yeah.  Having a deep interest in it or whichever discipline you follow is probably the most helpful aspect. I learned that the hard way by spending too much time trying to become a quant (the wall Street definition) and wish someone had told me about things information science, data visuslizatuon, or even something like ecommerce or search optimisation. All of which seem to be in even more demand that being a quant.  I reccomened talking to some people in the field. Maybe your academic advisor could help with that. It's also good for networking.


"We considered similar big renovations when putting our house on the market. The answer turns out to be pretty simple; unless you do renovation-type work as your day job, or have really good friends in the residential contracting business, sell as-is. You will virtually never get back the full price of bringing in a gen-con to renovate any space in your home; you do that when you want to spend the extra to make your home exactly what you wanted, so you can live in it for decades and get the enjoyment out of it. If you're trying to turn a profit with the renovation, like house-flippers do professionally, you look for easy repairs/renos, buy good-looking but inexpensive materials, and do the labor yourself. Whether you sell to the market or to a specifically-interested buyer is your call, but I will caution you that a specifically-interested buyer is going to be looking for a deal, or a steal.  When marketing our house, we met with three different realtors. The first one was very overoptimistic about what we could list for (basically assuming that we could get the same price as a fully-upgraded version of our same floor plan with a pool out back). She also had a to-do list a mile long, and my wife and I both noticed that she looked very apprehensive about the house when looking around, even as she reassured us that selling it would be no trouble. We eventually realized why she was so apprehensive, and fired her before we got even halfway through her to-dos, which included major landscaping, new kitchen floors and countertops, etc, which would have cost us thousands and would not have gotten the house price even close to the target. The second one took a look at our half-finished refinish and told us to stop everything we were doing to update the minor stuff like paint and fixtures, saying we were putting lipstick on a pig; she would market the house to some cash buyers she knew personally, for about 80% of the list price our first realtor quoted, and implied that we should be kissing her boots for finding us a buyer willing to take the house off our hands at all. During the tour, she pointed out ""problems"" with the house that weren't even there, like foundation issues such as sloping floors, in an attempt to scare us into going with her strategy. We sniffed that out pretty quickly, showed her the door at the end of the initial consult and never called back. This, by the way, is the kind of thing you want to avoid; unless your home is really dilapidated or torn apart with unfinished major renos, it should have decent value on the market and you shouldn't have to resort to a cash buyer looking for a flip or a rental property on the cheap. Just like Goldilocks, our third choice was just right. He saw all the same comparables, toured our house, and recommended that we offer about $20k less than the fully-upgraded version (but still about $20k more than the second realtor was estimating), targeting a ""real"" buyer and not an investor or flipper, but at a price that would make the lack of upgrades more acceptable. We finished the paint and finish projects we started, brought in a weekend's worth of scheduled showings, and our house was under contract for full price within 3 days, giving us the extra $20k worth of down payment to put into our new house. In summary, I highly recommend a realtor, because the one we eventually listed with worked his butt off on the business side while we fixed up the house. However, make sure you find the right one; realtors are ultimately in business for themselves, and their ultimate interest is in getting your house sold and getting you into a new one. That is what gets them paid. Some of them will do it the right way, working the deal with other realtors and their prospective buyers to get you what you need. Others will take the easy way out, at your expense, either giving you bad advice about how to present and price your home so that you end up on the market for 6 months with no offers, or handing your house to their business buddies at a discount."


I cannot give exact details on how to organize this (depend on your country, and beside that i'm no expert on finances either), however, this was recently suggested as a pension alternative: You used 100% of (2) after 20 years, and then the Life Annuity start to pay out. This has two advantages. First, it might be flat out cheaper depending on the products and tax laws. For example you do not pay tax on a saving account (other than property tax), but you pay more tax on a Life Annuity. Second, if you do die before the 20 years are over, you do have a no heirs, but it might still feel better to see your money go to a charity or some other organization you would like to support other than the big pockets of the insurance company when you die early :)


it's so much easier to stop payments then have to go asking for your money after a bank has taken it. I have had monthly homeowners payments taken after I sold a property. Took a lot of effort to get my money back. Wish I had taken a few minutes to stop the payments earlier.


Without giving away any important details needlessly, I was pointing out that there are some fundamental things that we will offer.   After speaking with a user experience strategist, we came to an interesting market research finding, which reported that the majority of service providers are registered to a multiple number of platforms. As well as this we are targeting a niche that will offer us the ability to be dominant, eventually phasing in new sectors/industries.


> wo just because you are paying someone $20 that doesn't mean they will be as productive as 3 at $12.  That's /u/itssheramie's point.  If you need 3 people worth of work it doesn't matter if 1 good one is better than 1 bad one... it's still not 3.


Consumers aren't the only economic participants impacted by a change in the Fed rate.... Inflation has WIDE ranging implications from the future liabilities of pension funds to the ongoing cost of our national debt.  It doesn't make sense to consider only consumer inflationary experience.  PCE is considered because it relates to consumption, which includes things paid for by other entities, like employer healthcare spend.


"Well, if blodget's scenario comes to pass, it won't be rewarded.  Or at least, *I* won't have to watch it, there being 6.02x10^23 other shows to queue up instead.  I think a large part of the reason reality shows persist is that there are a limited number of channels, so if you aren't watching sports, etc, you have to settle for this garbage sooner or later.  Also, it may be true that they save them money, but I can't imagine that they command the advertiser money that a real, good, popular show does, so they really don't want to shift to them full time.  Thus we have this crap situation: try a show idea, then pull the plug and substitute something else.  ""When Gravity Fails"" was shaping up (finally) when they pulled it.  Boy, was my wife ever mad!  Personally, I have gone out of my way to avoid anything that sniffed 'realitytv', starting w/ the first season of survivor.  I feel the same way about the plethora of cop/doctor/lawyer/other formula shows too."


"Highly Compensated Employee Rules Aim to Make 401k's Fair would be the piece that I suspect you are missing here.  I remember hearing of this rule when I worked in the US and can understand why it exists.  A key quote from the article: You wouldn't think the prospect of getting money from an employer   would be nerve-wracking. But those jittery co-workers are highly   compensated employees (HCEs) concerned that they will receive a refund   of excess 401k contributions because their plan failed its   discrimination test. A refund means they will owe more income tax for   the current tax year. Geersk (a pseudonym), who is also an HCE, is in   information services and manages the computers that process his firm's   401k plan. 401(k) - Wikipedia reference on this:  To help ensure that companies extend their 401(k) plans to low-paid   employees, an IRS rule limits the maximum deferral by the company's   ""highly compensated"" employees, based on the average deferral by the   company's non-highly compensated employees. If the less compensated   employees are allowed to save more for retirement, then the executives   are allowed to save more for retirement. This provision is enforced   via ""non-discrimination testing"". Non-discrimination testing takes the   deferral rates of ""highly compensated employees"" (HCEs) and compares   them to non-highly compensated employees (NHCEs). An HCE in 2008 is   defined as an employee with compensation of greater than $100,000 in   2007 or an employee that owned more than 5% of the business at any   time during the year or the preceding year.[13] In addition to the   $100,000 limit for determining HCEs, employers can elect to limit the   top-paid group of employees to the top 20% of employees ranked by   compensation.[13] That is for plans whose first day of the plan year   is in calendar year 2007, we look to each employee's prior year gross   compensation (also known as 'Medicare wages') and those who earned   more than $100,000 are HCEs. Most testing done now in 2009 will be for   the 2008 plan year and compare employees' 2007 plan year gross   compensation to the $100,000 threshold for 2007 to determine who is   HCE and who is a NHCE. The threshold was $110,000 in 2010 and it did   not change for 2011. The average deferral percentage (ADP) of all HCEs, as a group, can be   no more than 2 percentage points greater (or 125% of, whichever is   more) than the NHCEs, as a group. This is known as the ADP test. When   a plan fails the ADP test, it essentially has two options to come into   compliance. It can have a return of excess done to the HCEs to bring   their ADP to a lower, passing, level. Or it can process a ""qualified   non-elective contribution"" (QNEC) to some or all of the NHCEs to raise   their ADP to a passing level. The return of excess requires the plan   to send a taxable distribution to the HCEs (or reclassify regular   contributions as catch-up contributions subject to the annual catch-up   limit for those HCEs over 50) by March 15 of the year following the   failed test. A QNEC must be an immediately vested contribution. The annual contribution percentage (ACP) test is similarly performed   but also includes employer matching and employee after-tax   contributions. ACPs do not use the simple 2% threshold, and include   other provisions which can allow the plan to ""shift"" excess passing   rates from the ADP over to the ACP. A failed ACP test is likewise   addressed through return of excess, or a QNEC or qualified match   (QMAC). There are a number of ""safe harbor"" provisions that can allow a   company to be exempted from the ADP test. This includes making a ""safe   harbor"" employer contribution to employees' accounts. Safe harbor   contributions can take the form of a match (generally totaling 4% of   pay) or a non-elective profit sharing (totaling 3% of pay). Safe   harbor 401(k) contributions must be 100% vested at all times with   immediate eligibility for employees. There are other administrative   requirements within the safe harbor, such as requiring the employer to   notify all eligible employees of the opportunity to participate in the   plan, and restricting the employer from suspending participants for   any reason other than due to a hardship withdrawal."


In banks and institutions where you could look at the money supply of M1 which is the physical currency in circulation compared to M2 which would be all the deposits that tend to be valued much more. http://www.federalreserve.gov/releases/h6/current/ would be the link where as of Nov. 2014 the figures are M1 - 2,849.8 M2 - 11,588.7 Footnotes from that: M1 consists of (1) currency outside the U.S. Treasury, Federal Reserve   Banks, and the vaults of depository institutions; (2) traveler's   checks of nonbank issuers; (3) demand deposits at commercial banks   (excluding those amounts held by depository institutions, the U.S.   government, and foreign banks and official institutions) less cash   items in the process of collection and Federal Reserve float; and (4)   other checkable deposits (OCDs), consisting of negotiable order of   withdrawal (NOW) and automatic transfer service (ATS) accounts at   depository institutions, credit union share draft accounts, and demand   deposits at thrift institutions. Seasonally adjusted M1 is constructed   by summing currency, traveler's checks, demand deposits, and OCDs,   each seasonally adjusted separately.  M2 consists of M1 plus (1)   savings deposits (including money market deposit accounts); (2)   small-denomination time deposits (time deposits in amounts of less   than $100,000), less individual retirement account (IRA) and Keogh   balances at depository institutions; and (3) balances in retail money   market mutual funds, less IRA and Keogh balances at money market   mutual funds. Seasonally adjusted M2 is constructed by summing savings   deposits, small-denomination time deposits, and retail money funds,   each seasonally adjusted separately, and adding this result to   seasonally adjusted M1. Where M1 sounds like the physical money outside the banks and M2 is the money inside the banks. Did you mean something more specific here? http://en.wikipedia.org/wiki/Gross_domestic_product would be a link about GDP in terms of economic output that has more than a few pieces to it that I'm sure whole courses in college are devoted to understanding this measurement.


You may be using the wrong method to get your money back.  As others have said, this is not a valid use for chargeback; that is when a fraudulent charge occurred, or when a merchant charges you incorrectly. However, many cards have various kinds of guarantees, one of which might cover this situation. Particularly in some european countries, such as the United Kingdom which has Section 75 allowing you a recourse, services are included with goods.  Goods are typically the only covered elements in the US, though, but check your credit card agreement to be sure. Second, you can go through the FTC.  They will provide you a sample form letter to request a refund of your money, and if the merchant is not cooperative might choose to help you directly (especially if many others are in your situation).


"Finance/Econ major checking in. I'm not an expert, but I just finished up a finance/marketing internship and I'll be headed into my junior year.    In all honesty, I'm not sure you really need to worry about an internship after your freshman year. For the most part, it's the summer's after your first summer that it really becomes the standard thing to get an internship.    I almost guarantee you I stressed to the max about the same things you're (probably) stressing about: Am I going to have enough experience? Is my GPA high enough? Am I wasting time not interning during the semesters? Am I a failure because I didn't get this scholarship/internship/program, etc. In the end, and I'm far from the end, I don't think it's going to matter that I didn't get an internship after my freshman year. I have a 4.0, but I'm almost certain I'd be in the same position if I had a 3.5. I really worried about not getting a ""prestigious"" internship, but I think it's more about meaningful experience that you can use to say ""look! I did this!"" even if it's not with a Top-10 blah blah blah.    You'll get there. If you're worrying about it now before you've even started classes, you'll finish up with plenty of experience in one way or another. Don't worry about it too much, get used to classes, make new friends, and have the time of your life.    Edit: My junior year, not sophomore year... it's been a long summer."


> But, it seems like the pool is adding value out of nowhere!  Options don't simply exercise in the void. There are proceeds from the  exercise (option-holders must pay into the company). This amount is an additional investment in the company that hasn't precisely materialized yet, but is generally expected to (and is difficult to alter, as it's likely part of an employment contract).


>I think the issue is people just do not have a choice but to do whatever their employer wants.        If you don't like the way your boss it treating you, save up some money and quit or do something stupid and get fired to collect unemployment.  You are responsible for your happiness and well being.  No one else.


(After seeing your most recent comment on the original question, it looks like others have answered the question you intended, and described the extreme difficulty of getting the timing right the way you're trying to. Since I've already typed it up, what follows answers what I originally thought your question was, which was asking if there were drawbacks to investing entirely in money market funds to avoid stock volatility altogether.) Money market funds have the significant drawback that they offer low returns. One of the fundamental principles in finance is that there is a trade-off between low risk and high returns. While money market funds are extremely stable, their returns are paltry; under current market conditions, you can consider them roughly equivalent to cash. On the other hand, though investing in stocks puts your money on a roller coaster, returns will be, on average, substantially higher. Since people often invest in order to achieve personal financial stability, many feel naturally attracted to very stable investments like money market funds. However, this tendency can be a big mistake. The higher returns of the stock market don't merely serve to stoke an investor's greed, they are necessary for achieving most people's financial goals. For example, consider two hypothetical investors, saving for retirement over the course of a 40-year career. The first investor, apprehensive Adam, invests $10k per year in a money market fund. The second investor, brave Barbara, invests $10k per year in an S&P 500 index fund (reinvesting dividends). Let's be generous and say that Adam's money market fund keeps pace with inflation (in reality, they typically don't even do that). At the end of 40 years, in today's money, Adam will have $10,000*40 = $400,000, not nearly enough to retire comfortably on. On the other hand, let's assume that Barbara gets returns of 7% per year after inflation, which is typical (though not guaranteed). Barbara will then have, using the formula for the future value of an annuity, $10,000 * [(1.07)^40 - 1] / 0.07, or about $2,000,000, which is much more comfortable. While Adam's strategy produces nearly guaranteed results, those results are actually guaranteed failure. Barbara's strategy is not a guarantee, but it has a good chance of producing a comfortable retirement. Even if her timing isn't great, over these time scales, the chances that she will have more money than Adam in the end are very high. (I won't produce a technical analysis of this claim, as it's a bit complicated. Do more research if you're interested.)


"This article is silly.  We have a functioning labor market. Wages are balanced by supply and demand.  We don't need more regulation to ""fix"" it.  I think the market is effectively bifurcated.  You have skilled jobs being well paid, and candidates can easily switch.  For instance entry-level Computer Science grads regularly make $60k and have multiple offers.  If you're highly skilled, life is good, economically.  I think the jobs that require trade-skills are also under supplied.  The roofer in the article is an example.  These folks also get reasonable pay and steady work, certainly enough for a middle class lifestyle.  If you're a low-skill worker, then life is much harder.  There are job shortages, wages are low, and employees suffer.  One complication is that many students go to college, but graduate without marketable skills.  This leaves them to compete against low-skill workers.  So college grads suffer from ""low"" wages, and non-college grads suffer from increased competition. I'm surprised so many people still take on college debt to get degrees that offer little to no wage premium.  Minimum wage hikes can help a little.  In Seattle they found no job loss from the first small minimum wage hike (and an increase in employee well-being).  The second hike was larger and created significant job losses (enough that total wages paid were flat).  I think this means that some jobs don't generate enough value to be paid $15/hr.  The TL-DR is get skills to lead an easier economic life."


SPRING HILL — In 2009, Spring Hill United Church of Christ followed the lead of the denomination’s 24th General Synod of 2003 and adopted a statement of inclusiveness: The church body would welcome and affirm all people, including people of every sexual identity. One way the church has decided to live up to that statement is by offering an educational and support group for those with HIV/AIDS, as well as people affected by it, beginning this month. The group will meet from 7 to 8:30 p.m. on the last Tuesday of each month at the church. “For the past two years, our church has declared itself open to all people, regardless of age, race, gender, ethnicity, sexual identity, health or disabilities, economic status or family structure,” said the Rev. Carlan Helgeson. “As part of that inclusiveness of all people in our congregation, we are excited to be able to reach out to those who may lack the support and affirmation that comes from being HIV positive or having AIDS.” The ministry, called Red Project, will be led by church member and ministerial student Ray Gomez. “I chose the name Red Project because red is a stand-out, shout-out kind of color,” Gomez said. Red is also the color of the AIDS ribbon used to represent the illness, he said. “Red denotes danger and is an angry color, representing the worst in human behavior and ignorance, along with hatred shown to the people with the illness in the early years,” Gomez said, “and the stigma surrounding HIV, even today.” Gomez is HIV positive and has more than 25 years of experience teaching and advocating on HIV/AIDS. He holds degrees in education and multicultural education and is working on a second master’s degree in pastoral counseling. He is an ordained minister through the Missionary Church International and is a student in ministry with the United Church of Christ. Gomez, who is gay, said he attends the church in Spring Hill because it is open and affirming. “A lot of churches do not want to service or go out of their way to reach the HIV population,” he said. “It’s unfortunate because a lot of people with HIV live in this community. There’s so much stigma still attached to HIV, so (for that reason) many people don’t want anything to do with church.” Gomez said that several years ago he personally felt rejection by many churches. Subsequently, he turned to alcohol, crack cocaine and promiscuous living. “I discovered quite quickly that the world’s solutions make great promises but can never deliver,” he said. “It was all just an illusion of the intimacy I was seeking, and I was left more broken, more hopeless and experienced deeper despair.” Over the past 11 years, Gomez said, he returned to the faith of his youth and began ministering to those who were hurting and broken. Now, as an advocate and peer in the field, he is a certified prevention specialist, HIV test counselor and peer educator. “I have recovered from crack addiction and alcohol abuse,” he said. “I have discovered the Metropolitan Community Church and the United Church of Christ, two denominations that allow me to be fully myself and fully Christian, and which give me the opportunity to minister to a hurting and broken community.” Reconciliation for hurting people is his goal. “My purpose, and Pastor Carlan’s purpose, is to reconcile gay men, lesbians and bisexual people that have been hurt by other Christians and that don’t attend church anymore, and welcome them back into a family of faith.” Topics at the monthly classes will include “I Just Tested Positive: Now What?” “Talking with My Health Care Provider: The Stuff You Need to Discuss,” “Medication Adherence: What’s Important and Why?” and “Crystal Meth and HIV: A Non-judgmental Educational Experience.” According to a press release, the purpose of Red Project is to offer emotional, physical and spiritual support, and guidance to those newly diagnosed with HIV and to those who have been positive for some time. “I believe a good support group needs four things,” Gomez said. Physical support, emotional support, education and spiritual support.” There is no cost to attend, but donations will be sought to help with refreshments and educational materials. Carlan said those attending need not participate in the church. “There are no strings attached,” he said. “All we want to do is to help those who have a need and to affirm those who may feel alienated and disenfranchised by society at large. My biggest hope is that people find inner healing and form bonds of friendship from participating in Red Project.” According to Nina Mattei, public information officer for the Hernando County Health Department, the county does not offer a support group for those with HIV/AIDS. “The Health Department reaches out with HIV/AIDS education, presentations, literature, testing and prevention,” said Mattei. “The Health Department clinics offer testing, education, comprehensive care and referrals. “HIV and AIDS is a concern across Florida,” she said, “and we are fortunate to have resources available in Hernando County that support people who are living with HIV and AIDS.”


Hard to say in general. It depends on the actual numbers.  First you need to check the suggested retail price of a new car, and the price that you can actually get it for. The difference between these prices is between non-existing and huge, depending on the car. Some dealers will sell you a car that has done 50 miles for a huge rebate - that means they can't sell their cars at full price but don't want to reduce the price. Used cars can be quite expensive compared to a new car or not, also depending on the brand.  Estimate that a brand new car should drive 12 years and 200,000 miles without major repairs (go for a car with generous warranty or check reviews to make sure you are buying a long lasting car). Calculate the cost per year. Since you prefer driving a nicer new car, increase the cost for the first four years and reduce the cost for the last four years. With that information, check what the used car costs and if that is reasonable. Assuming 12 years life, a six your old car should be quite a bit less than 50% of a new one.  You can improve your cost a bit: If your annual mileage is low, you might find a rather new car with huge mileage quite cheap which will still last many years. Or if your annual mileage is excessively high, you can look for a car that is a bit older with low mileage.  Anyway, paying 70% of the price of a new passenger car for a used car that is six years old (you say <7 years, so I assume six years) seems excessive; it would mean the first user effectively paid 30% of the new price to drive the car for six years, and you pay 70% to drive another six years (estimated). You'd be much much better off buying a new car and selling it for 70% after six years.


Let's say I am able to pass the level 1 CFA exam, would this allow me to pursue a career within the finance world without needing to look into a second bachelor's in finance or an MBA-finance? I know this is a long road ahead and one that will be full of difficult times.   Yeah, my focus was school counseling.  So this would allow me to graduate and look at a private practice license after I meet the hour requirements or give me the opportunity to become a school counselor as soon as I graduate.  These positions don't pay the most but they are at least something.  I live in a rural area currently but would be looking to relocate to Denver upon graduation.  If I stopped the MS degree then I would only have my BA in Psychology to fall back on until taking and passing the CFA.  I'm not sure I could make as much with that degree while I attempt to transition careers.    As far as the emotionally taxing aspect, working with children who come from broken homes all day, every day is extremely exhausting mentally and for someone like me it is difficult to leave work at work in this line.  I become emotionally invested in the outcome of my work and have a hard time disconnecting and not caring when I am on my time.    The main reason I am looking at switching into this type of career isn't based around the earning potential.  Although this is an added benefit, the greatest reasoning is because a) this helping profession has left me burned out and I want to continue to help but in a less intimate way and b) my personality and strengths really fit with this type of career.  I have had to work hard to develop as a counselor and I still struggle at times.  I have a more concrete and factual mind and I process things in a critical and evaluative manner.  Ideal for careers that require critical evaluation, behind the scenes work, and a love for working with numbers and data.  I'll take a look at the WSO site and ask for some advice on there as well.  The largest decision that I will need to make is if finishing the MS is going to be worth the 20k investment for one more year or if I should cut out and focus on developing a career in this field while working full-time and starting to pay off student loans.  My student loan debt is unfortunately higher than I would like, but I come from a family of alcoholics, users, and I finished high school while living on friend's couches for the last two years - so it has been a necessary evil.  Having to pay on the loans if I were to stop the MS is also a factor but I know there are income-driven repayment plans available that I can take advantage of if my earnings aren't as high as I would like.    Thank you again for your time - it is greatly appreciated.


Så er det endelig ferie og tid til at slappe af. For mange er det at slappe af ensbetydende med masser af bevægelse og aktivitet. En aktiv ferie med sport og gang i kroppen giver flow og overskud og får brændt alle vinterens mørke og stillesiddende timer ud af kroppen. Du kan være aktiv på din ferie i Danmark på et utal af måder, fra det helt basale til det mere avancerede og teknisk krævende. http://www.bestwestern.dk/


I moved to England (from the US) for my second half of university, during those two years my tuition in the U.K. was almost the same as in-state tuition in the US, and I had gone to an out of state school the year before so I actually saved money when I moved abroad.   It's actually pretty damn easy if people bother to put in an effort to move to Europe from the United States for higher education, as many institutions here have lower costs even for non-EU citizens, accept US federal loads, have majors in English, offer easy to obtain student visas, and while you're here you have access to their healthcare, get to experience a new culture, might learn a new language, etc.  People think it is impossible or pointless; it is not.