Here is a good example of why our bankruptcy laws need some tweeking:  >This horror story begins with the Chapter 11 bankruptcy filing made by AMR Corp. (the holding company that owns American Airlines) last November. Bankruptcy, conventionally speaking, is about restructuring debts owed to banks and bondholders. But most of American’s debt was backed by hard assets like airplanes. What’s more, AMR actually had some cash on hand at the time of the filing. The debts American really wanted to restructure were the implicit debts to employees. As S&P analyst Philip Baggaley put it at the time, the goal was to “reorganize in Chapter 11 and emerge as a somewhat smaller airline with more competitive labor costs and a lighter debt load.” In other words, American went into bankruptcy primarily so it could pay people less.


You were the one who started the government talk.  > No.  Our taxes allocated the resources necessary for us to have roads, power, and all the nice facilities we use.  The rich benefited from the government offering them the jobs to build these things.  Or did you forget about that part?  I have no idea what lead you to believe that I said these businesses that do work for the government aren't getting paid, but in large part the money they are being paid with has been borrowed from the financial sector. I've told you this three times now, but you seem completely unwilling and overall too ignorant to absorb the information.


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Of course you're reportable to the IRS. Your income is someone's expense, they'll report it if required. What you're probably asking is whether you need to pay any taxes in the US. If you're neither US citizen nor a green card holder, and you don't step foot to the US - you will probably not need to pay taxes there.


Ultimately the bank will have first call on the house and you will be the only one on the hook directly to the bank if you don't make the mortgage payments. There's nothing you can do to avoid that if you can't get a joint mortgage. What you could do is make a side agreement that your girlfriend would be entitled to half the equity in the house, and would be required to make half the payments (via you). You could perhaps also add that she would be part responsible for helping you clear any arrears. But in the end it'd just be a deal between you and her. She wouldn't have any direct rights over the house and she wouldn't be at risk of the bank pursuing her if you don't pay the mortgage. You'd probably also need legal advice to make it watertight, but you could also not worry about that too much and just write it all down as formally as possible. It really depends if you're just trying to improve your feelings about the process or whether you really want something that you could both rely on in the event of a later split. I don't think getting married would make any make any real difference day-to-day. In law, with rare exceptions, the finances of spouses are independent from each other. However in the longer term, being married would mean your now-wife would have a stronger legal claim on half the equity in the house in the event of you splitting up.


I still don't understand how a restaurant called Chipolte can be so friggin' bland. Their 'hot' salsa isn't that hot, and the bottles of Tabasco sauce by the soda fountain are in insult. Not to mention the last time I got a burrito, it was lukewarm and mushy. I only wish the location across from my work was a Moe's :(


"I'm assuming that all the savings are of 'defined contribution' type, and not 'defined benefit' as per marktristan's comment to the original question. Aside from convenience of having all the pension money in one place, which may or may not be something you care about, there may be a benefit associated with being able to rebalance your portfolio when you need do. Say you invest your pension pot in a 60%/40% of equities and bonds respectively. Due higher risk/reward ratio of the equities part, in the long run equities tend to get 'overweight' turning your mix into 70%/30% or even 80%/20%, therefore raising your overall exposure to equities. General practice is to rebalance your portfolio every now and then, in this case, by selling some equities and buying more bonds (""sell high, buy low""). Now if you have few small pockets of pension money, it makes it harder to keep track of the overall asset allocation and actually do the rebalancing as you cannot see and trade everything from one place."


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No money is stolen. They don't show you the hold for whatever reason (not so good a bank?), but the money is still yours. You just cannot use it, but it is still on your account. These holds usually go away after a week. In certain cases (like a security deposit) it may take up to 30 days. You can request from the merchant to cancel the hold if it is no longer necessary. They'll have to be proactive on that, and some merchants wouldn't want the hassle. It is however a known issue. When I was working in the banking industry, we would routinely receive these hold cancellation requests from merchants (hotels and car rentals).


>Written communication... raises accountability.   In my current workplace, I often think that my managers don't write intentionally exactly because of that.  As opposed to economy, that unfortunately does trickle down.  And we're **not** talking public sector here 😉.


"Turbotax community had a similar question. They claim you just put it into ""Office Expense"".  I never understood why there are so many categories when they are just summed up and subtracted from your income. How can you possibly get in trouble for putting something in a wrong column if the final tax liability doesn't change."


Other than the options pointed out by MoneyOne, I would like to add one more. If the bank that you want to transfer money from has bill pay facility, then you can send yourself a check for the required amount. Then you could deposit this check in the bank where you want to money transferred. I do agree that this is a long way method of transferring money between banks, but this is the only way to do it if your (From) bank doesn't allow bank to bank transfers for your (To) bank or charges you money for each transfer. Normally, most banks give you access to bill pay facility free of charge if you use online banking. I also believe that you could even use it with a savings account, but don't quote me on that. Also, I do know that Bank Of America has started accepting checks through their ATMs, so if your (To) bank does something similar, you would not even need to go to a physical branch.


First things first, its always good to set the records straight. When you are trying to clear your debt do them one by one and ask the collection agent that you would pay in full only if the records would be deleted from your credit history and most of the collection agencies are happy to take it off your credit report as they are getting the money. This would work generally only when you pay the full amount. I can guarantee you this because I have tried it myself after hearing about it from my friends.  If you have already paid whole amount already then records of your payments generally will not be available after 2 years with any banks even the big ones like Bank of America or Wells Fargo. That means if they don't have the records no body else would because its a burden as your payment is written off. You can file a dispute to credit bureaus for your payment history and if they couldn't provide you the history they have to take your record off your history even they know that you have delinquent history because they don't have enough proof to confirm that. And when you file a dispute its always good to file it by paper as they have to write back and you can ask hard copies of the proofs which are very difficult to get. One more thing if you want to dispute it might take couple of months atleast and you need to have patience because you already might have known how important credit history is.


Sorry, but you are the exception and not the rule -- and from your description of how stressful the parking and shopping experience is you must be in a large city.  Maybe it makes sense in SF, I never lived there but having worked there it's a PIA to get around.    $60/mo as  added expense to isn't going to work for many.  A large percentage of American grocery shoppers use coupons which indicates how price conscious they are and explains the failed adoption of these grocery delivery services.  My grocery bill is $200/mo so a 30% convenience fee is ridiculous.  Until they can bring cost parity for grocery delivery to the same as I can pickup in store I don't see any of this panning out.


"how is this new value determined? According to Publication 551: Inherited Property The basis of property inherited from a decedent is generally one of   the following. The FMV of the property at the date of the individual's death. The FMV on the alternate valuation date if the personal representative for the estate chooses to use alternate valuation. For   information on the alternate valuation date, see the Instructions for   Form 706. The value under the special-use valuation method for real property used in farming or a closely held business if chosen for estate tax   purposes. This method is discussed later. FMV is Fair Market Value - which is the price that a willing buyer would pay for the property with reasonable knowledge of all the facts of the property.  The rest generally apply to farmland or other special-purpose land where the amount of income it generates is not properly reflected in the market value. One or more real estate professionals will run ""comps"" that show you recent sales in the same area for similar houses to get a rough estimate of fair market value.   Does it go off of the tax appraised value? Tax assessment may or may not be accurate depending on tax laws (e.g. limits to tax increases) and consistency with the actual market. Should you, prior to your death, get an independent appraiser to appraise the value of the property and include that assessment of the properties value with the will or something? That should not be necessary - another appraisal will likely be done as part of the estate process after death. One reason you might do one is if you are distributing different assets to different heirs, and you want to make sure that the estate is divided equitably."


">""Autonomous vehicles would hurt us if they spread to trucks,"" Buffett told shareholders at Berkshire Hathaway's (BRK.A) annual meeting in May. If self-driving trucks become predominant on the roads, it could steal business from Berkshire owned railroad Burlington Northern, Buffett hinted.  >Buffett acknowledged that autonomous cars are ""coming"", and could also ""hurt"" Berkshire's insurance business Geico. After all, driving hands free is much riskier than driving with two hands on the wheel.  It quotes Buffet saying these are bad for his business ...."


Your logo and slogan mean very little at this point. Don't waste too much time on them.  Have him spend his downtime going door-to-door. He should introduce himself as a new plumber in the area, and hand them a $100 coupon for free plumbing work, good once per household, for one call, not including parts.  Most plumbing bills are well over a hundred bucks, so he'll still make money on the call, and I'm willing to bet that people will tell their friends about the plumber that's offering a hundred bucks in free labor, partially because most people naturally feel indebted when they get something for free.  Not only that, but one of peoples' biggest fears in calling a plumber is the bill -- getting $100 knocked right off the top is a great way to get past that psychological barrier.  If he does good work, that leads to recommendations. I'd avoid offering referral bonuses -- you want people referring him because he's Jesus with a wrench, not because they get a Starbucks gift card.  That said, make sure he follows up with clients a few weeks to a month after doing work for them, and checks in to make sure they are still satisfied. Happy clients are clients that refer you to other people.  He can also give those coupons to gardeners, maids, or other people that do in-house work. Those people want the referral bonus -- figure out a sensible fee structure. Alternatively, he can offer to refer them to his clients when they need gardening and so on.  Register on Google Maps, Yelp, etc. Plumbing is location-based, so going too broad on the 'net side of things won't help hugely at this stage.  See if your local hardware stores, supermarkets, and so on will let him put fliers or business cards next to the Drano and toilet parts.


TL;DR: The difference is $230. Just for fun, and to illustrate how brackets work, let's look at the differences you could see from changing when you're paid based on the tax bracket information that Ben Miller provided. If you're paid $87,780 each year, then each year you'll pay $17,716 for a total of $35,432: $5,183 + $12,532 (25% of $50,130 (the amount over $37,650)) If you were paid nothing one year and then double salary ($175,560) the next, you'd pay $0 the first year and $42,193 the next: $18,558 + $23,634 (28% of $84,410 (the amount over $91,150)) So the maximum difference you'd see from shifting when you're paid is $6,761 total, $3,380 per year, or about 4% of your average annual salary. In your particular case, you'd either be paying $35,432 total, or $14,948 followed by $20,714 for $35,662 total, a difference of $230 total, $115 per year, less than 1% of average annual salary: $5,183 + $9,765 (25% of $39,060 (the amount $87,780 - $11,070  is over $37,650)) $18,558 + $2,156 (28% of $7,700 (the amount $87,780 + $11,070 is over $91,150))


The economy would be a lot better if more people had money in their pockets to spend. The only ones with money are the GREEDY CEO and managers. The Rich list this year , the top 100 th wealth grew by £380,000,000,000 ...  I wonder how much better the economy would be better off with some of that money in the workers pockets ?  The only people with a Money Tree are Theresa May, and the rich list. http://i.imgur.com/BGapG2z.jpg


This article seems to be less about how Amazon will transform the industry and more about how they can buy their way into anything.   Before we all wet ourselves over this purchase, let's see how they do in the food business. It is a tough, low margin world where goods can't sit on a warehouse shelf forever.   It is good for competition, but it ma more pragmatic about this. It took Amazon 15 years to be profitable in the low margin world. I am sure smarter people than me are driving this, but this is no slam dunk.   People that shop at Costco, Trader Joe's, Safeway or where ever are not going to change because Amazon owns WF.


People purchase homes and rent them instead of putting their money into other investment vehicles. This drives up property values and makes it more expensive to buy, which pushes more people into the rental market, making it more expensive to rent.  If you lower the returns people make on their rental homes via increased property taxes, some percentage of those individuals would sell their extra homes and put their money into more lucrative investments. That would increase the number of homes on the market, lower those homes' price, and take people out of the rental market as well.


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As a recent college graduate that's my main piece of advice to every incoming freshman... Take gens eds... If you want to be a paleontologist you are not going to take a semester in Africa to dig up bones your first semester. First semester you are going to take English 101, biology, geography and college algebra so that the rest of your classes make sense.


Amazon has 2 different cards you can apply for, a store card and a credit card. The credit card is through Chase. The deal is not a scam, I can confirm this because I applied for their credit card and got $70 in the form of a digital gift card. By giving customers free money for signing up for their cards they get more people who are willing to give it a try. Once you have a card, you get benefits like 3-5 percent back on Amazon purchases that will entice consumers to use the card. Amazon likely has an agreement with Chase and they are hoping to get you hooked with the free money and benefits.


Your logic is not wrong.  But the risk is more significant than you seem to assume.  Essentially you are proposing taking a 2.6% loan to buy stocks. Is that a good strategy?  On average, probably.  But if your stocks crash you might have significant liabilities. In 1929, the Dow Jones dropped 89%.  In 1989, >30%.  In 2008-9, 54%.  This is a huge risk if this is money that you owe in taxes.  If you operate the same system year after year the chance of it going horribly wrong increases.


I use XE.com for almost the same purpose.  They have free transfer options, such as ACH withdrawals and deposits.  I normally do a online bill payment through my international bank to XE, and have them deposit it in the US via ACH.  It takes 1-3 business days, and there's no fee beyond their small percentage (about 1.25%) on top of the exchange rate.


I would say minimal price differences.  Stores will need to remain competative, and the difference (if any) will likely be to cover the cost of the transaction that Visa and other card companies charge them.


I've found you can give the money to charity.  If you text REDCROSS to 90999 for example you can give $10 to the redcross


I think the definition of overcollateralization on investopedia will answer this question for you.  Namely this part: For example, in the case of a mortgage backed security, the principal amount of an issue may be $100 million while the principal value of the mortgages underlying the issue may be equal to $120 million. The bond is packed with more mortgages than the face value indicates.  It's effectively sold at a discount to underlying value.


Say the company has created 500 shares [or whatever number]. You have 10 shares [equivalent of 2%]. Now when new capital is needed, generally more shares are created. Say they create 100 more shares and sell it to venture capital to raise funds. After this happens; Total Shares: 500+100 = 600 You own: 10 shares Your Ownership % = 1.66% down from 2% Like wise for other older shareholder. The New Venture guy gets 16.66% of ownership.   More funds would mean more growth and overall the value of your 10 shares would be more depending on the valuation.


"This is the best tl;dr I could make, [original](https://www.theguardian.com/business/grogonomics/2017/oct/08/business-is-booming-australian-consumers-know-better) reduced by 88%. (I'm a bot) ***** > The collapse in spending was also across almost all areas - food, household goods, clothing and accessories, cafes, restaurants and takeaways all saw a drop in spending.  > The only good news was for department stores, but that was of little consequence given in the past year spending in department stores is down 1.4%. The problem is that Australia&#039;s economy is built not on the back of sheep or even from what we dig out of holes, but on household spending.  > Not all consumer spending is on retail trade - it makes up roughly a quarter of all spending by households - but it is a very good indicator of how households are spending.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/753cdg/business_is_booming_australian_consumers_know/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~224491 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **spend**^#1 **household**^#2 **good**^#3 **wage**^#4 **year**^#5"


In the San Francisco bay area I know the region is putting to use Clipper cards. If you load them with clipper cash that money sticks around until you ultimately use it. The card itself maxes out at like $300 but any excess funneling into the card is kept with Clipper and shows up in your account as like some itemized deposit pending to distribute to your card once the card's balance drops below the limit to the amount that is pending deposit. If you however use the money for something like a month pass which is only good for that month and you don't use the pass to break even then you lose that money.


> So I don't like zoning laws and I think they're both archaic and stupid. I'm just going to build my house wherever the fuck I want because that's my opinion. If you criticize me for doing that, I'm going to say that I had an obligation to because regulation was bad so following it would be irresponsible.  I find nothing objectionable about this. Zoning laws are archaic and stupid.


A. At any point of time, PF is the best investment option with fixed returns and capital safety. The best, returns are tax-free if you continue to hold on. Pre mature withdrawal  is possible for  Education or marriage, Medical treatment,Construction or purchase of a flat, house or plot,Repayment of Home Loan. However there are certain conditions/procedures to be followed for the pre mature withdrawal.  A provident fund (PF) is basically a plan to provide financial security after retirement. It is, therefore, not advisable to withdraw any amount from one's provident fund account as PFs are primarily meant for retirement planning, and retirement planning is the most important goal in any person's life. Hence do not touch or withdraw from PF unless and until there is no other option available.  B. Let the PF investments be as it is during your sabbatical. C. When you join a startup, may be they will have less employees. But the PF Act is very clear, any organization employing more than 19 employees ( including contract employees) should compluslory have PF system in place. You can rest assured that PF system will be in ur new company sooner than you expect.    D. There is no other solution for an alternate to EPF. Kindly do not withdraw from EPF and invest in any risky investments. Any investments you make should be in accordance with your assets allocation plan and risk profile. Do revert if you have any more queries.  Regards


I'm wondering about the statistic. I'm technically an affiliate for one of these MLM companies but chose specifically not to work the business. I signed up because I like the products and as an affiliate I get a steeper discount than I did as a customer. I know several people who do this. Are they counting us as part of the 99%? Is it really losing money if we're not actively part of the business?


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I grew up in Massachusetts, where there is a dunkin donuts fucking everywhere, and many people go there every day, and I could not agree with you more, even though I would probably be shot and left in a marsh somewhere if I said it out loud.


Option A - you sell the house and then use the money to pay off a portion of your second mortgage. The return on that investment is 5.5% a year, or $1925 net. Option B - you rent it out, that will bring  you $5220 (435 x 12), more than 2.5 times option A. That's not counting any money going towards the principal of the loan. Given that you'll be using a property management company, you can be fairly certain that there won't be any unexpected expenses (credit check, security deposit should take care of that) Option C - you invest the money somewhere else. You'll have to get 15% return in order to beat option B. I don't think that's sustainable.  You should talk to a CPA about the tax implications, but I'm fairly certain that you'll do better tax wise to rent it out, since you can use depreciation to lower your tax bill.  Finally, where do you think real estate prices will be in 4 years? If you think they'll increase that's another reason to hold onto the property and rent it.  Finally finally, if you plan to rent it out long term (over 4 years), it will be a good idea to refinance and lock the current interest rate.


If you did not separate out the fridge for depreciation, you just had it part of the house. A 27.5 year depreciation that you can calculate. You might have made or lost some money. You should depreciate the new one stand alone, on the 5 year depreciation schedule @littleadv notes in his answer.


"To know if a stock is undervalued is not something that can be easily assessed (else, everybody would know which stock is undervalued and everybody will buy it until it reaches its ""true"" value). But there are methods to assess the value of a company, I think that the 3 most known methods are: If the assets of the company were to be sold right now and that all its   debts were to be paid back right now, how much will be left? This   remaining amount would be the fundamental value of your company. That method could work well on real estate company whose value is more or less the buildings that they own minus of much they borrowed to acquire them. It's not really usefull in the case of Facebook, as most of its business is immaterial. I know the value of several companies of the same sector, so if I want   to assess the value of another company of this sector I just have to   compare it to the others. For example, you find out that simiral internet companies are being traded at a price that is 15 times their projected dividends (its called a Price Earning Ratio). Then, if you see that Facebook, all else being equal, is trading at 10 times its projected dividends, you could say that buying it would be at a discount. A company is worth as much as the cash flow that it will give me in   the future If you think that facebook will give some dividends for a certain period of time, then you compute their present value (this means finding how much you should put in a bank account today to have the same amount in the future, this can be done by dividing the amount by some interest rates). So, if you think that holding a share of a Facebook for a long period of time would give you (at present value) 100 and that the share of the Facebook is being traded at 70, then buy it. There is another well known method, a more quantitative one, this is the Capital Asset Pricing Model. I won't go into the details of this one, but its about looking at how a company should be priced relatively to a benchmark of other companies. Also there are a lot's of factor that could affect the price of a company and make it strays away from its fundamental value: crisis, interest rates, regulation, price of oil, bad management, ..... And even by applying the previous methods, the fundemantal value itself will remain speculative and you can never be sure of it. And saying that you are buying at a discount will remain an opinion. After that, to price companies, you are likely to understand financial analysis, corporate finance and a bit of macroeconomy."


Well I'm not going to advise whether it's a good idea to invest in this company (though often OTC is pretty scary), but it DOES have a product (vivio, an ad blocker), it did post financials and it's trading on the OTC-QB (which is better than the pink sheets), so you need to look these over and study up on the product to decide if it is overpriced or not.  What might have occurred (viz the Patriot Berry Farm becoming Cyberfort) is that the latter bought up the stock of the former (this is, I believe, called using a shell, which is not necessarily a bad thing) and is using this as a way to be registered, i.e. sell to non-accredited investors via the OTC market.  So I'm really just answering your third question:  yes, you have to do a lot of due diligence to see if buying this stock is a good deal or not.  It might be the next big thing.  Or it might not. It certainly is the case that low trading volume allows a relatively small trade to really change the stock price, so the penny stocks do tend to be easier to 'inflate'. Side comment:  the bid/ask spreads are pretty big, with a best bid of 0.35 and best ask of 0.44.


Okay, using your example, you sat around and waited for the robber. You knew he was coming, matter of fact the robber told you the exact day he was going to come knocking on your door... April 15th. And he was going to take thousands from you... and yet you sat, did absolutely nothing, except bend over and give it to him. What does that make you?


It's to legally allow you to buy/ sell securities on behalf of others and to give advice. Different tests allow different things. 66 is for the basics: stocks and bonds etc. I believe 31 is for insurance or something. I'm not too sure the specifics I'm probably wrong about which test is which though.


Downvoted.  I am opposed to women in the workforce other than those that work for me.  Women in the workforce lower our birthrate and therefore economic growth and investment returns.  It's also annoying working with women even if they are genuinely better than men at certain things.


Well there you go. Not so hard after all. If those two are indeed his major motivations, I wonder which one is more important to him.   He also is a strong proponent of deregulation. Its interesting that he has decided to side with the group that agrees with him economically to change their social and moral views instead of the other way around.


Hmm, I see so the difference between a capital account flow and a current account flow is whether the capital belongs to a citizen of the country or not.  You mentioned that moving to a country i.e. immigration is also another remittance flow. So if a country suddenly received a large number of rich immigrants, it would show up as an increase in the current account?


"When did I say that?     All I said was that my success had nothing to do with luck. Partly because I did more than just work hard and partly because there is *no such thing as luck*.    They may be working just as hard or harder than me, but are they doing all the right things to increase their chances of success? Did they major in business or journalism? Do they network, or is that ""a fucking bullshit game"" they don't want to play? Do they ask for letters of recommendation, or think that people just automatically write them and know where to send them? I've actually met many people who think it's rude to ask for a letter of recommendation. Do they use their resources wisely or spend their student loan money on Macbooks and iPhones? There's more factors at play than simply the number of hours they work in a day or their GPA."


"You're not making any sort of a persuasive argument why predatory HFT should be allowed to levy a tax on the system. Yes, computer trading is heck of a lot better than paper trading. You're citing an article from 2010 that states things I'm not even arguing against as somehow supporting this ""tax"", the mechanisms of which the author was not even aware of at the time.   There is no valid argument for why this tax is necessary or good for anyone but the firms profiting from it. I'm all for lower spreads and near instant order processing, but that doesn't excuse some greedy prick from scalping my 401k a point or two of compounding interest every year."


I had a cat growing up--most of the time I was the one who got her supplies.  It was never an issue.


We fired some middle management who can take the blame for the ridiculous and unattainable goals we put in front of them.   We told them to perform or lose their jobs and you'll be happy to know they lost their jobs anyways..  We also shat in their boxes of personal items on the way out the door.   Thank you for trusting that we can find new scapegoats.


Useless junk is cheap as hell and everyone can afford. Rent/mortgage and healthcare? They're the killers. I would really rather be able to afford a roof over my head and a doctors visit than a new electronic. But I guess it is what it is.


One other point to consider is that cash offers often include no contingencies. That is, the offer comes in and if the seller signs then the deal is done, without any chance that the buyer backs out. As you can imagine, this is an attractive option in some situations.


As far as I know. Ford didn't take bailout money.  Ford sells so many more trucks because they consolidate all their sales under one brand. GM has Chevy and GM trucks - they're identical except for the branding, so they are tracked differently. On the other hand I think even the aggregated sales of GM and Chevy is smaller than the sales of ford trucks.   They're just good trucks, reliable and well trusted. Like the Camry is for a car.


This hasn't spread as far because Fry's isn't very well known on the Internet in comparison since they only operate in a few states - but they're dying far, far faster than Best Buy. Just last week, their Sacramento location had not one single hard drive in the whole building. Why? Well, it turns out, they're months behind on paying their vendors.  http://frysforum.com/discussion/2930/confirmed-frys-electronics-in-financial-trouble/ There's a few source links in there, and it jives with what my old coworkers who haven't escaped yet tell me.


I remember going there with my friends when they had... 15 or 20 cent wings (I think). This was something like 10 years ago. But we would eat a lot of wings, buy lots of drinks and end up spending a good amount of money.  I went with my family a few months ago. Wings were 50 cents each (I think), one was raw in the middle, they barely covered the wings in sauce, some tasted old, they were smaller and thinner. I didn't order any other drinks, I tipped poorly because the food sucked (well, the service did too - was it too hard for the server to catch the wings that obviously looked uncooked and stop at our table more than once? Poor management as well I suppose), and won't be going back.  So... I guess the new thing is to blame Millenials (although, I'm Gen X) because they don't want to pay for poor quality, overpriced food. How dare they not support inferior business practices!


These rumors are here just to help dollar stay alive. Euro have problems, but they are rather solvable, unlike dollar situation. Even if something wrong would happen - countries would return to their national currencies, mainly Germany & France are important here. This does not means that EuroUnion would be destroyed - some countries live in EU without Euro and they are just fine.


Specific to the inquiries, from my Impact of Credit Inquiries article -    8 is at the high end pulling your score down until some time passes. As MB stated, long term expanding your credit will help, but short term, it's a bit of a hit.


You assume that the government is a god and all things exist only because of it. You are the zealot here fighting against a competing option and opinion. Every church wants to believe it is the one true church and non believers should be punished for their non belief. Statism truly has become the next wave religion.


Again I don't know how well this applies to all finance professions but in my field a lot of what we do is effectively communicate finance and valuation information to clients. Essentially we are contracted to perform analysis, then we write a report conveying the meaning of that analysis to the client.  A good amount of the work we do often has legal implications as well so our writing has to stand up to litigation and cross examination.  Perhaps being a good writer won't be crucial for your position but in my opinion writing is mostly about how to effectively communicate an idea. In that context writing is very useful in teaching you how to get your message across.  I hope that makes sense.


Great question and great of you to be paying attention to this.  Right now having the ability to save $2K per year might seem very out of reach.  However with the right career path and by paying attention to personal finance saving 2K per month will become possible sooner than you may think. As a student you are already investing in your future, by building your greatest wealth building tool:  your income.  Right now concentrate on that.  If you have extra money throw it in a boring old savings account and don't touch it other than emergencies.  An emergency is defined as something that will preclude you from completing your education.  It is not paying for the latest xbox game/skateboard/once in a lifetime trip. An important precursor to investing is having an emergency fund that sits in a boring old savings account earning almost nothing.  Think of it as an insurance policy that prevents you from liquidating your investments in case of and emergency.   Emergencies often come during economic downturns.  If you have to liquidate your investment to cover these times then you will lock in negative returns.    Once you are done with school, moved into a place of your own, and have your first job you will have a nice start on your emergency fund.  Then you can start investing.  Doing it in the right order you will be amazed how quickly your savings can accumulate.   I'd be shooting for that 2 million by the time you are 40, not 65.


I have heard that it is better for your credit score to pay them down over time. Will it make much of a difference? I have never heard that, however, the financial institutions (who are charging you an amount of interest which was at one time in the not so distant past classified and punishable in state criminal codes) really enjoy you thinking that way. You are clearly capable of doing the math yourself. While I don't know the exact numbers, I am totally confident that you will find in about 5 or 10 minutes (if that long) that eliminating debt of any kind in your life will pay an immediate return that beats the great majority of other investments in terms of risk/reward. After the immediate financial return, there is a quieter, subtler, and even greater long term benefit. Basic principle: Highest Rates First Perhaps this decision could be considered slightly less important than deciding not to smoke during your youth; but I would put it as a close second. You are already in a position where you can see the damage that your prior decisions (about financial debt) have produced. Run the clock back to the time in your life when you were debt free. Now, pay off that debt with the big check, and start from zero. Now, turn on your psychic powers and predict the same amount of time, in the future, with the same amount of money (don't even try to adjust for inflation; just use flat dollars) WITHOUT losing the money which you have given to the financial institutions during this previous part of your life. Do you now see why the financial institutions want you to think about slowly paying them off instead of waking up tomorrow without owing them anything ?


I really miss the days when companies just made something that I wanted and my consumer decisions were based on value.  I absolutely abhor all this division of corporations into left/right.  I shouldn't have to think about which political party I support when I buy deodorant.


My problem is these massive national/global companies don't give a shit about their employees. Why care where there's a thousand more that will work harder for less. They are taking advantage of us. If your business cannot sustain itself while properly paying it's workers, it isn't a business that should exist. Why do I need to make shit when my CEO makes millions upon millions. Trickle down my ass.


When an someone as esteemed and smart as Donald Knuth tells you the chequing system is busted it's time to close your cheque account, or I guess live with the associated risk. Answer to question, yes your account information can be used to commit fraud on you via your bank.


You talk about an individual not being advised to sell (or purchase) in response to trends in the market in such a buy and hold strategy. But think of this for a moment: You buy stock ABC for $10 when both the market as a whole and stock ABC are near the bottom of a bear market as say part of a value buying strategy. You've now held stock ABC for a number of years and it is performing well hitting $50. There is all good news about stock ABC, profit increases year after year in double digits. Would you consider selling this stock just because it has increased 400%. It could start falling in a general market crash or it could keep going up to $100 or more. Maybe a better strategy to sell ABC would be to place a trailing stop of say 20% on the highest price reached by the stock. So if ABC falls, say in a general market correction, by less than 20% off its high and then rebounds and goes higher - you keep it. If ABC however falls by more than 20% off its high you automatically sell it with your stop loss order. You may give 20% back to the market if the market or the stock crashes, but if the stock continues going up you benefit from more upside in the price. Take AAPL as an example, if you bought AAPL in March 2009, after the GFC, for about $100, would you have sold it in December 2011 when it hit $400. If you did you would have left money on the table. If instead you placed a trailing stop loss on AAPL of 20% you would have been still in it when it hit its high of $702 in September 2012. You would have finally been stopped out in November 2012 for around the $560 mark, and made an extra $160 per share. And if your thinking, how about if I decided to sell AAPL at $700, well I don't think many would have picked $700 as the high in hindsight. The main benefit of using stop losses is that it takes your emotions out of your trading, especially your exits.


You could try to refine your options strategy:  For instance you could buy the USD 750 call option(s) you mentioned and at the same time sell (short) call options with a higher strike price, which is above the share price level you expect that Apple will trade at in one year (for instance USD 1,100).  By doing this, you would receive the premium of the call option(s) with the higher option, which in turn would help you finance buying your USD 750 call(s). The net effect of this trading strategy would be that you would give up the extra profit you would earn if Apple would rose above USD 1,100 (the strike price of the call option sold short). Your total risk would be even less than with your actual strategy (in my view).


There are, if by competitors you mean Internet providers who can offer gigabit service at a reasonable price. It just takes an incredible amount of initial capital investment to get started and likely face NIMBY bullshit red tape and sweetheart legacy deals, so most if these competitors are small in scope. For example, I have service from a provider that offers gigabit service, Condo Internet here in Seattle. But even they are limited to only certain buildings, because they just don't have much capital to expand yet.


Summarized article: Huawei and ZTE, China's two largest telecommunications companies, disputed the findings of a report by the House Intelligence Committee which determined that both companies pose a national security threat.   The report determined that using equipment from Huawei and ZTE could provide opportunities for Chinese intelligence services to tamper or spy on US telecommunications networks.   Huawei and ZTE failed to cooperate with a year-long investigation and to fully explain their relationship with the Chinese government, according to the report.   Additionally, the report noted Huawei's pattern of illegal behavior in the US, including intellectual property violations, immigration violations and bribery and corruption. Committee officials intend to refer their findings to federal law enforcement agencies.  In response to the report, both Huawei and ZTE said they fully cooperated with the congressional investigation and called the findings baseless. They also deny they are controlled by the Chinese government.   Additionally, Huawei said it believes the congressional findings were predetermined in order to impede competition and block Chinese telecommunications companies from entering the US market.   Although Huawei often refers to its business operations in the United Kingdom to show the company's integrity, Huawei has been consistently passed over for contracts in the US. Huawei was also blocked from bidding on an Australian national contract in March.  * For more summarized news, subscribe to the [/r/SkimThat](http://www.reddit.com/r/SkimThat) subreddit


"Some history: In the US, this is very tightly controlled and regulated. Although stock market securities insider trading is a relatively new crime around the world (20-30 year old), the United States  is exceptional for offering the longest sentences for it, although it is still far more lucrative than and carries lower sentences than something like petty larceny. The perception of illegal insider trading has changed in the US over the years, although it is based on much older fraud statutes the regulators and the courts have only really developed modern case law against insider trading in the past 20-30 years. The US relies on its vast network of registered broker-dealers to detect and report abnormal trading activity and the regulator (SEC) can quickly obtain emergency court orders from rent-a-judges (Administrative Law Judges) to freeze trader's assets to prevent them from withdrawing, or quickly enacting sanctions. So this reality helps deter trading on material inside information. So for someone that needs to get an information advantage on the market, it is [simply] necessary for them to rationalize how this information could be inferred from public sources.  Similarly there is a thin line between non-public information and public information, the ""lab experiment"" example would be material insider information, but the fact that there will be litigation over a company's key patents may be ""public"" as soon as the lawyer submits the complaint to the court system. It is also worth noting that there are A LOT of financial products trading in the capital markets, and illegal insider trading laws only applies to trading of shares of a company. So if a major holder in gold is about to liquidate all their holdings, being short gold futures is not subject to civil and criminal sanctions. Hope this helps. The above examples should help you understand what kind of information is material inside information and what kind is not, and how it is relevant to trading decisions."


Three points for you to keep in mind. 1. In the very first year, you should have 182 days outside India. So that in the year when you start your consultancy, you will not have any liability to pay tax on earning abroad. 2. Although you may be starting a consultancy abroad, if you do any services in India, there will be withholding tax depending on the country in which you have started the consultancy business. 3. Whatever money you repatriate is not taxable in India. However, if you you repatriate the money as gift to anyone who is not a relative, will be taxed in his/her hand.


And this distinction is a HUGE difference. Both for the employees and the corporate. Even though the article doesn't say if all the franchises decided to kept all the employees who used to work for the corporate (few months down the road), as someone who have worked in the franchise business (not burger king) at different level, I will bet my money that a lot of them lost their job.  The whole reason why BK sold them off as franchises because as a corporate they couldn't maintain the overhead and since fast food businesses has ridiculously low margin, I wouldn't be surprised to maintain profitability the franchise owners got rid of a lot of them.  So its not too far off to say that all these people were fired by corporate but the franchise owners decided to keep (probably) most of them out of convenience for the short term but probably lost the job few months down the road.


"It holds your hand and spoon feeds you answers. And they're oftentimes not even good answers.  Worse yet, if you try to solve the problem in another fashion than what's been designed for you, you'll get cryptic error messages that borderline on buggy.  I'm no expert, but I'm a completely self taught software engineer who does this stuff 40+ hours a week in a professional capacity. I personally prefer the ""write a function that passes the unit tests"" approach, as it's considered a best practice nearly everywhere you go."


There's many different stories of robinhood going back to the middle ages, but if you're talking about the disney movie where he's a fox then yes, but he's robbed hundreds of rich people to give money to the poor, most not part of the king's government.


>They would get caught on other crimes, and then rat you out for immunity.  I'm not sure I buy the major premise of that implied syllogism:  Those who commit a crime will commit other crimes.   My friends will be committing a crime.   ∴ My friends will commit other crimes.   Will those who commit a crime necessarily commit other crimes? Perhaps there's a tendency which could be demonstrated, some correlative relationship, but it seems you're assuming that the commission of one crime means there will be commissions of additional crimes.


"Wall Street: Unloading onto the muppets, BRB...  On a serious note, WF has a TBTF put on them. The shorting opportunity likely already came and went. The central banks have issued a global put on equities and real estate for about the last decade, they're unlikely to now say, ""oops, our bad, we'll retract that put starting with WF"" over this. The associated market disruption isn't worth the positive electorate optics. They'll opt to try to surgically fix the scandal; find and fire highest executives feasible, pay a fine, move on."


They are a distributer. They're not doing anything but making products available. If Shimano wants to sell me a reel and I don't like Bass pro now, I'll go to Shimano website. easy. Or you know, another company who can do it better can come along. My main point is this isn't like a utility company that has a monopoly where you only have one choice on how to get gas to heat your home in the winter.  That have much different powers and potential problems.


I could be wrong, but the minute I read this I immediately assumed that this is the beginning of the end of good customer service at Virgin. The flight attendants are going to be just like the other airlines now: Old, grouchy, and not giving a fuck.


"There's a cliche, ""out of the frying pan and into the fire"". I've never had the occasion to use it till now.  I understand some people find they have a dozen cards and struggle to keep organized. An extra percent or two seems worth the feeling of just one payment to make. In your case, 3 checks (or online payments) per month shouldn't push you to a bad decision. Twice the interest? No thanks. Just make the minimum payments on the two lower rate cards, and pay all you can to the highest rate. Do all you can to cut expenses. The only way out of this is to change your habits avoiding what got you here in the first place."


Two methods:  1: Become really close friend with Marky. Probably have to take a bullet for him or something.   2: Become a major client of the investment bank that will launch the IPO (most likely Goldman), and the bank will offer you some shares before the IPO. In order to become a major client you probably have to spend several millions per year in transaction fee.


I'm actually building a UK stock screener right now. It's more of an exercise in finding out how to work out technical things like MACD and EMA calculations, but if those are the things you're interested in, it's at  http://www.pifflevalve.co.uk/screen-builder/ As I say, it's more of a personal project than anything commercial, but it's fun to play with.


I switched from engineering into finance, into an entry level position as an analyst on the investment side. I can tell you about my experience and how I did it.  Yes, it is incredibly hard to get a position on the buyside. Investment management doesn't scale well with numbers, adding more analysts typically doesn't improve results (i.e. Buffett and Munger made all the investment decisions at Berkshire Hathaway, the most successful investment team is a two man team running more than a hundred billion dollars of assets). So teams are very small. A large amount of money goes through the hands of very few people, so naturally the pay is very big. The recruiters are not lying when they say there are hundreds of applicants chasing each one of those jobs.  I tried asking my friends and family, but being a first generation American, most of the people I know are blue-collar types that work with their hands. I had some success tapping into the alumni network, I got many responses with advice but no interviews. It doesn't help that the finance world is currently shrinking and there are talented people losing their jobs. I had the most success attending my schools career fair. If you graduated from one of the top schools, the firms that are recruiting will still show up. Also, check your schools career office. All the top schools I know of have on-campus interviews. They are generally open to alumni. It is summer right now, but on-campus recruiting season will start in the fall. You should be able to get some interviews through your school.  Now the most important thing you need to do is to differentiate yourself. What are you doing right now? Are you working in some other area of finance or a different field altogether? I think the best way to do it (and it is how I did it) is to invest your own money. If you are in an interview and you say you invest your own money, you are pretty much guaranteed that you will be explaining one of your investment theses for the next half hour. This is effectively what you will be doing in the real job if you get it. Firms want to hire someone who can start working, they don't want to pay you that big money only to find that you can't do anything for the next year or two before they cut you. So you have to prove that you can do the job. Interns do it by working for cheap for a summer or two. Someone who graduated already can do it by claiming that they do it on the side, and then backing that up by being able to explaining positions intelligently (you will NOT get the job if it looks anything like /r/investing). There is also something hypocritical if you say that you should be paid boatloads of money because you are capable of managing money well (that is what you are claiming by applying to an investment job) and you don't manage your own money and you haven't formulated any investment theses. Students typically won't be able to do this because they don't have any money to invest, so they get their jobs through the internship route.


I am using ING for my emergency savings, but sometime last year I discovered SmartyPig. As of 4/24/2010 they offer 2.1%, which is even better than the 1 year CDs at most banks. I've switched two small accounts to SmartyPig and plan to switch my emergency savings. Their accounts are geared around monthly contributions, but you don't have to use that feature.


"These good rates all tend to be ""on up to $X"" where X is some low'ish number that could require multiple accounts. They often also come with other strings, like set up automatic deposits/withdrawals, and use debit card at least 15 times per month. The two you mention have these flaws, whether or not it's worth it depends on if you are happy to meet those requirements and how big your emergency fund is.  Personally, I'd rather get rewards on a credit card than use a debit card, and I don't want to open a bunch of accounts, so I have a boring savings account with a pretty low interest rate for my emergency fund. It's liquid, earns some interest, and I don't have to think about it."


Fear tactics posted above, likely by IRS agents. Yes, you qualify based on the residence test. You perform your work outside the US. You gather business data in a foreign country. The income is excluded.


Both will grow at the same rate. If everything else was equal:fees, investment options, flavor (Roth or deductible); Then I would put the money into the 403B.  Why? putting the money into the 403b directly from your paycheck during the year allows you to have all of the $5,500 available to make an end of the year contribution, or to put the money from your tax return into the IRA. While $4,800 is less than $5,500. it is close enough that If you realized late in the calendar year that you had an extra $1,000 you wanted to contribute to your retirement, there wouldn't be enough room left to contribute.


">I think tax and spending reform would go a long way to allieviating the ""upward"" flow of capital over the last few years.  Probably. The problem is that laws are written by and for these guys, and not against them. I don't see how such a reform can ever pass."


For most of the people who are involved in the activity of investing in online stock trading, there will be the need of online brokers. With the investments in the online trades, people will be required to put their stock accounts in a particular platform. To know more about the best online brokers for stock trading, log on to http://www.stocktipsblog.com/


Anything related to the central bank will have a large impact, as they are the ones who determine interest rates, and interest rates have a big effect on currency flows.  GDP is also important, as when there is an economic slowdown it may result in the central bank reducing rates to boost economic activity. The opposite is also true, large increases in GDP may mean that an interest rate hike might be needed. Inflation data is also very important. Again, large changes in inflation either way may push the central bank towards changing rates. This data typically is in the form of CPI Note that each central bank is different. They all have specific mandates and specific pieces of economic data that they place emphasis on. The Federal Reserve as of late has closely been watching inflation data, especially wage inflation data, and employment. Significant deviations in these data points from whats expected by investors can greatly move the market. However, these specific factors are a little less important for, say, Mexico, which is mostly concerned with headline inflation. Read the statements issued by the central banks to find out whats important to them. Central banks also issue expectations for things like growth, CPI, etc. If these expectations are not met, it may result in a policy change, or at least talk of a policy change, at the next meeting of the central bank. Anticipating these policy changes and trading accordingly is one strategy to be a profitable forex trader Also, there are several forex news calendars online that indicate what is likely to be high impact news. These can be helpful starting out.


There is a startup targeted specifically to serve you for the situation you describe:   - http://peertransfer.com There are other methods.  CurrencyFair is one service that might help:  - http://currencyfair.com And, there is bitcoin.  Because it is new yet, there aren't very liquid markets where bitcoins are exchanged for Rupees or Yuan at decent rates at the present.  Once you receive bitcoins transferred to you however, those funds are easily transferred to your B Of A account (using Dwolla to send via ACH to your bank).  - https://en.bitcoin.it/wiki/Buying_bitcoins


"Random question: are there any companies with ""physical,"" ""real,"" or ""in-kind"" dividends?   For clarification, suppose a winery offers a security with a dividend of X bottles of wine deliverable annually for every Y amount of shares owned.   Does such a company or practice exist?"


Sorry if I came of harsh, I've spent the last few years starting small businesses, and that's the most consistent message I've come across. Ideas don't get bought.   I know your research seems valuable to you, but these companies likely pay $3-10-50k for massive research studies that come in the form of custom written books. Your work has to be unique, thorough, and well presented on a level that can compare to be valuable to them. It would be far easier to sell them an existing client base, a phenomenal team, or better yet, defensible IP.


"If or when you ""own"" your land outright you need to try and get the land patent on it. That is the supreme form of title to it. It goes back to when the land was acquired by the U.S. (from Britian, France, etc.) by treaty. Treaties trump even our Constitution. When you have a land patent.........IT'S YOURS! That link is to my site but this was so relevant that I had to include it. Hope y'all don't mind."


There is a psychological aspect to this as well - especially when the title refers to fear.  If a businessman takes on debt to support a known good business, people are generally more comfortable than when an unemployed guy is drowning in debt.  There is a difference in perception - and it applies to nations as well.


I honestly don't understand this sense of entitlement to being able to use your own device.  By giving an employee access to sensitive data on their own device, you are taking a risk that the company cannot technologically or legally mitigate. In the UK it would be a de-facto breach of the Data Protection Act.  If there was a rootkit on an employee's phone or laptop, and they got access to any sensitive data then game over.   This is not about inconvenience, it is about not costing the companies in question billions in fines. It is simply not worth it - especially as most employees are perfectly capable of losing work computers on trains and so on, so trusting them to look after their own system security is asking a bit much.  What happens if they lose their own laptop? A work laptop can be set to self destruct, but few employees are going to let their companies have that level of control over their laptop. And, here in the UK, if sensitive data is lost in that way and can be recovered using forensic tools then - bam - fines. A company has a legal obligation to ensure that their employee's and customer's data is safe, and any data accessed on a phone or laptop is still stored somewhere on that phone or laptop.  Third party software like Dropbox is notoriously insecure, too, so that shouldn't ever be used on a machine containing sensitive data. It's hard enough getting employees to take security seriously before exponentially increasing these risks as you describe.


Fisher Capital Management: Leading 10 Monetary Suggestions  Posted on 17/10/2011 by fcminvestment Even though resolutions boost financial condition a great idea to accomplish in any period for year is for numerous persons discover this less difficult from the starting of the New Year. Irrespective of any time one start, the fundamentals stay identical. Fisher Capital Management shares recommendations in order to be in advance monetarily.  1. Be Compensated How Much you are worth and Save Some Part of It  This appears easy; however countless individuals have difficulty having this specific initial fundamental principle. Be positive and understand exactly what your task is worth within the industry, through executing the assessment of your expertise, productiveness, career responsibilities, involvement to the firm, and the current fee, equally within and beyond the organization, regarding what you perform. Becoming under compensated actually a thousand bucks a year may possess a substantial collective result more than the actual process of one’s employment existence.  Irrespective of the amount or perhaps how small you are compensated, you will in no way obtain be advance in case one devote far more compared to a person gain. Frequently it is less difficult to invest much less compared to this will be to make much more, and the small efforts within the amount of places may outcome in large savings. This will not usually have that which includes producing large sacrifices.  2. Adhere to the Price Range  How many people understand when the funds will be heading when one never budget? How does a person can easily established investing and saving targets when one never understands in which the cash is actually heading? People require the budget whether or not a person creates thousands or perhaps hundreds of thousands of bucks a year.  3. Settle Credit Card Accounts  Credit card financial obligation is actually the number one hindrance to becoming ahead monetarily. These small items of plastic tend to be so convenient to utilize, it is therefore very easy to overlook that it is actual cash we are coping with whenever you whip these away to pay out for any transaction, big or even little. In spite of the great resolves in order to shell out balance away swiftly, the truth is that it usually will not, and wind up having to pay much more regarding issues compared to   make paid off when you made use of money.  4. Chip in towards the Pension Program  When the company has a 401(k) plan and a person do not contribute to this, you are running away through one of the finest discounts right there. Request the boss if they have the 401(k) plan (or even comparable program), and sign up right now. In the event that you happen to be contributing, attempt to increase the contribution. In case the company will not provide the pension program, think about the Individual retirement account.  5. Make Financial Savings Program  You might have discovered this before: Pay for yourself first! If perhaps a person delay till you have satisfied most ones monetary commitments prior to finding what is remaining around for saving, probabilities tend to be you will in no way possess a wholesome financial savings accounts or perhaps opportunities. Deal with it in order to fix apart the minimal for 5% to 10% of the income to get savings prior to shelling out the expenses. More desirable however, get cash instantly taken off through the income and deposit straight into a distinct account.  6. Make Investments!  Should you are contributing  the pension program and the savings account as well as one may also handle to set a number of funds in to some other ventures, all the  far better.           7. Improve Ones Career Rewards  Work benefits such as the 401(k) program, flexible expenditure consideration, healthcare as well as dental care coverage, and so on. are usually valued at huge money. Try to make certain you will be making the most of your own and also getting benefit of these kinds which can easily help save cash through lowering taxation or perhaps out-of-pocket expenditures.  8. Evaluate Ones Coverage Protections  Overly numerous individuals tend to be though in to spending  a lot regarding life and impairment coverage, no matter if it is through incorporating all these protections to automobile mortgages, purchasing whole-life insurance  if term-life creates a lot more feeling, or perhaps purchasing life insurance any time one possess absolutely no dependents. In the different side, it really is essential to an individual get sufficient insurance coverage to be able to safeguard the loved ones and also the earnings in the event of fatality or possibly impairment.  9. Revise Your Current Will  70% of American citizens do not possess a will. In case a person have dependents, irrespective of just how small or what amount a person own, an individual need a will. When the predicament is not very difficult a person may actually carry out the personal plan just like WillMaker through Nolo Press. Safeguard your own cherished family members. Create your will.  10. Maintain Suitable Data  When a person do not maintain useful data, you are most likely in no way proclaiming all the allowable revenue taxes deductions as well as credits. Established a method today and utilize this each of the year. It is a lot simpler compared to rushing in order to discover all the things from taxes period, just to skip things which may have rescued a person capital.


Not a problem because people in the US are all borderline braindead and ruled over by profit-crazed maniacs.  In contrast with the unblemished Europeans who shit rainbows and prance around on unicorns smiting the rich and handing out money to the poor.    If you think there is any fundamental difference in the way giant corporations do things, anywhere, you are beyond naive.


Drop shipping is the term your looking for. Stay away from anything overseas, drop-shipping from anywhere other than where your primary market is located can be a nightmare.  Research the company your going to use pretty heavily. Try to talk with someone on the phone and ask them questions. Ask them about pricing, billing terms, shipping procedures, returns/exchanges and things of that sort.  Remember, even if your not physically handling the merchandise you are still responsible for the business. It doesn't need to be complicated but it does need to done responsibly. It is a business after all!


>government free utopia  You are fallaciously asserting that I think elimination of government would result in a utopia. I do not believe that *anything* will result in a utopia. However, eliminating government *will* create a general improvement in conditions for mankind.   >Somalia is one.  Somalia is an example of a ***FAILED*** government, but there *has always been, and continues to be* a central government *as well as* an ad-hoc government of warlords etc. To suggest Somalia is lacking a government is ignorant at best, and intentionally duplicitous at worst.  >The countries with the weakest governments are some of the worst places in the world to live.  Which is a demonstration that the people who live there are *so uncooperative* that they can't have a peaceful or wealthy society *even with* a violent, oppressive government attempting to maintain order, and the governments are *failed*, not intentionally and purposefully *dismantled and removed*.   What I'm explaining to you is that we need to structure our interactions as *so cooperative* that we *intentionally and purposefully* dismantle and remove the government as an unnecessary hindrance to further cooperation and wealth building.  I do note that you didn't make the slightest effort to refute any of my prior comments, and merely engaged in a set of rather pathetic fallacies, so I'll take this as your acknowledgement that you lack any useful counter-arguments and as such, I can presume that my position is correct and you have accepted it as correct.


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"The two dimensions are to open the trade (creating a position) and to buy or sell (becoming long or short the option). If you already own an option, you bought it to open and then you would sell it to close. If you don't own an option, you can either buy it to open, or sell it (short it) to open. If you are already short an option, you can buy it back to close. If you sell to open covered, the point is you're creating a ""covered call"" which means you own the stock, and then sell a call. Since you own the stock, the covered call has a lot of the risk of loss removed, though it also subtracts much of the reward possible from your stock."


You know what? You are correct, the reason the Soviet Union collapsed was due to its central banking policies. You should perhaps tell someone about that.  >I asked you to name an empire, historically, that purchased its own debt and was successful in doing so. You have still yet to do that.  Even though you didn't direct the question to me: British Empire.  Next?


This might need to be instituted at the federal level where it will be harder for people making $30/hr to close the door behind them on others. The article says studies lean towards minimum wage changes being negligible for high earners. I imagine the service lobby put this in a lot of people's heads to keep labor down.


"The CTR stuff is unquestionable.  Enough information has been released to demonstrate it as so.  Regarding the ""tow the line"" or silence/ban policy in T-D, you're 100% right.  It's their prerogative to run the sub that way, just as it is for /socialism to ban people that post in /r/libertarian even if they've never posted in /socialism before, just as the former default sub of /atheism is allowed to ban anyone who believes in god.  My issue is the trend on reddit that anyone who posts anything that isn't 100% vile disdain for Trump must be from /T_D and that the extremists in /T_D are some kind of outlier in how they act - when there are other significantly sized subs that behave in a similar fashion."


"No, because I assert that it's not *only* about these lucky events. It still takes some degree of intelligence, or insight, and hard work. Often a sociopathic ability to step on others is either necessary or at least a bit help, and sometimes it takes the ability to ignore various laws while staying out of trouble.   What I'm saying is that it seems like a number of folks here want to believe the *only* differentiator is one of these ""lightning in a bottle"" events. I'm saying I think they're more common than we may think - it's only when the bottle is held by someone with the ability and drive to maximize the opportunity that we get a success story."


"**Debt: The First 5000 Years**  Debt: The First 5,000 Years is a book by anthropologist David Graeber published in 2011. It explores the historical relationship of debt with social institutions such as barter, marriage, friendship, slavery, law, religion, war and government; in short, much of the fabric of human life in society. It draws on the history and anthropology of a number of civilizations, large and small, from the first known records of debt from Sumer in 3500 BC until the present.  A major argument of the book is that the imprecise, informal, community-building indebtedness of ""human economies"" is only replaced by mathematically precise, firmly enforced debts through the introduction of violence, usually state-sponsored violence in some form of military or police.  ***  ^[ [^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/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.24"


GDP growth is one of several components of nominal equity returns; the (probably not comprehensive) list includes:  Real GDP/earnings growth  Inflation  Dividend payouts and share buybacks  Multiple expansion (the market willing to pay more per dollar of earnings)  Changes in interest rate expectations  As other comments mention you could also see larger companies tending to deliver higher returns as for any number of reasons related to M&A, expansion into foreign markets, etc.


What is the average daily volume traded? It looks like this stock may have a liquidity problem. If that is the case I would not buy this stock at all as you may have the same problem when you try to sell it. Generally try to stay away from illiquid stocks, if your order size is more than 10% of the average daily volume traded, then don't buy it.  I usually stay away from stocks with an average daily volume of less than 100,000.


I'm surprised this isn't higher up. Your resume is for your qualifications, they will review this in the interview so be prepared but it'd simply a review. The rest of the interview is to determine if you will fit the company culture, be able to work with, and get along with everyone for 8+ hours a day...


all systems, ALL, corrupt over time.. call it entropy.. call it sociopaths grasping for power. Capital will undermine Democracy, over and over and over short of a revolution every 20 years. The only even playing field which is sustainable is a true free market.


Read your bill, question things that don't look familiar. People who steal credit card numbers don't bother to conceal themselves well. So if you live in Florida, and all of the sudden charges appear in Idaho, you should investigate. Keeping charge slips seems counter-productive to me. I already know that I bought gasoline from the station down the street, a slip of paper whose date may or may not align with the credit card bill is not very useful. The half-life for a stolen card is hours. So you tend to see a bunch of charges appearing quickly. If someone is stealing $20 a week from you over an extended period of time, the theif is probably someone you live or work with, and paper slips won't help you there either.


If you think about it, the value of an option comes from the chance that the price at the expiration date can exceed the strike price. As it gets closer to the expiration date, the chance is getting smaller, because there is simply not enough time for an out-of-money option to hit that strike. Therefore, the value of an option decays.


"Sure, not disagreeing, but Uber is a member of the ""tech startup"" group - its not often that this group of companies in Silicon Valley is so highly controversial, primarily because they are so heavily talked about and want to avoid this kind of publicity.   I guess it does involve a snowball effect though. Once you're in the negative spotlight once, you'll be scrutinized every chance they get."


I believe the answer is that to protect yourself it is good to get credit protection so you will be notified when new credit is taken in your name.   Also, you can use http://www.annualcreditreport.com/ to look at your credit report. HINT:  While you do that, and while you are in the TransUnion report, you will have the option to DISPUTE adverse items.   I always suggest that people dispute everything adverse.  That puts the onus on the other parties to produce evidence to TransUnion within 30 days attesting to the validity of the adverse item.   You would be surprised how many will simply drop off your report after doing that.  Everybody should do this Here is a direct address for TransUnion: https://dispute.transunion.com/dp/dispute/landingPage.jsp ==>  Once the disputes are finalized, the results get communicated to the other two bureaus. It is amazing how well it works.  It can raise your credit score significantly. It really helps to watch your credit report yourself, and also to get whatever protection is offered that may help protect you against others opening new accounts in your name.


This works when you want to command and have others follow. Great for most businesses.  If you want a workplace that generates ideas and inovation you or your hiring staff may not be the best at picking the best. I would say this is an extension of the Dunning–Kruger effect.  The best is a subjective judgement, dont forget.


ISAs last for as long as you live - you can accumulate a further £20K each following year (or whatever the limit changes to) and the whole balance including gains is tax free. You can also leave the £21k in the first ISA, and open a new ISA the next year, if you prefer. You can also transfer a balance from one ISA to another (make sure you go through the explicit process for doing that, don't just withdraw it and re-deposit it, otherwise the protection is lost.)


I have worked in positions at different parts of the bid process, as a materials tech/drafter there is subsurface surveys, geotechnical reports, environmental impact studies, waterway studies for the Army Corps of Engineers, the surface surveys. As drafter for the steel supplier for bridges there were engineering documents, detail drawings that needed engineering approvals. Then finally as a project manager for the GC you have to have a staff of engineers and administrative professionals to keep track. Even if everything goes well there will be something unexpected that will happen and that could be environmental concerns that lead to court time or finding in unmarked grave out on the prairie so then you need to get archeologists to properly care for the remains. So many little things compile to form big delays.


Does the full time PHD student extend to 70-80 hours/week or more? If not, can you pick up an extra job to aid with living expenses? Also, whose name is the debt in? Is your wife paying to avoid the black mark on her credit record or her mother's? Basically what it looks like to me is that you guys currently have a car you cannot afford and that her mother doesn't seem to be able to afford either, at a ridiculous interest rate on top. Refinancing might be an option but at a payoff amount of 12k you're upside down even when it comes to the KBB retail value. I'm somewhat allergic to financing a deprecating asset (especially at a quick back of the envelope calculation suggests that she's already paid them around $18k if you are indeed three years into the loan). What I would be tempted to do in your situation is to attempt to negotiate a lower payoff to see if they're willing to settle for less and give you clean title to the car - worst thing they can say is no, but you might be able to get the car for a little less than the $12k, then preferably use your emergency money to pay off the car and put it up for sale. Use some of the money to buy her a cheaper car for, say, $4k-$5k (or less if you're mechanically inclined) and put the rest back into your emergency fund. The problem I see with refinancing it would be that it looks like you're underwater from a balance vs retail value perspective so you might have a problem finding someone to refinance it with you throwing some of your emergency money at it in the first place.


You can never depend ONLY on pension. You must get financial education and invest your money. I recommend you to read The Intelligent Investor by Benjamin Graham...it's the bible of Warren Buffet. Besides, you don't need to be a Billionaire for retiring and be happy. I recommend you to get education in ETFs. I quote The Intelligent Investor by Benjamin Graham p. 131. According to Ibboston Associates, the leading financial research firm, if you had invested $12,000 in the Standard & Poor's 500-stock index at the beginning of september 1929, 10 years later you would have had only $7,223 left. But if you had started with a paltry $100 and simply invested another $100 every single month, then by August 1939, your money would have grown to $15,571! That's the power of disciplined buying-even in the face of the Great Depression and the worst bear market of all time. You are still young to make even bolder investments. But seriously you can never depend ONLY on pension. You won't regret learning how to invest your money, it doesn't matter if it's in the stock market, real state market, whatever market... Knowing what to do with your money is priceless. I hope this helps. Happy profits!


It's worth noting that there have been several studies with differing results for minimum wage in general (https://i.imgur.com/0uITqbR.jpg), and now specifically for Seattle. It's unwise to take any single one as the canonical study, best to look at them all in context.  I think the broad consensus is that there's an elasticity of somewhere between -0.05 and -0.2.  So a minimum wage increase of 10% will lead to a decrease in employment of somewhere between 0.5% and 2%.  http://econbrowser.com/archives/2014/03/faith-and-econometrics-minimum-wage-edition  It just comes down to how you value the tradeoff between higher wages for the working and fewer hours worked and where you place that elasticity.  I think there'd be pretty broad support if you could double the minimum wage and only see a 5% decline in hours worked.


Secret Service agents are paid according to their worth. It's a difficult job to get, and a difficult job to do. They're basically in charge of protecting a large group of VIP's who are *constantly* under threat of attack. It's not unreasonable that they be paid overtime for working 12+ hour shifts all the time.


"You'd need to talk with an attorney familiar with Social Security, or an appropriately qualified SSA representative to be sure - but all signs point to the idea that unfortunately Social Security does not work the way your father was told it would. And if he doesn't file to receive benefits the reality is actually much worse than ""throwing away free money""! However, this is not due to a complete misunderstanding of the system! Social Security does work the way he thinks in some instances, just that the rules don't apply to his exact situation! First of all, retroactive benefits come in a few forms: File and suspend to get a lump only if you really need it - BEFORE the age of 70 only! In this method you apply for retirement, but you tell the SSA to suspend/delay your benefits. You are entitled to full lump sum of the payments you deferred...but at a cost of getting lower monthly benefits permanently (and that also lowers spousal and dependent children's benefits, too - if those could apply to your dad). But note that at the age of 70, Social Security will stop deferring the payments and start paying you the full maximum retirement benefit monthly, with no lump sum. This is a kind of emergency insurance policy for those who want to try to defer retirement benefits, but who want the opportunity to cash out and get the money they would have been getting ""just in case"". You can get up to 6 months of retroactive benefits, such as if you wait past your exact retirement age to apply for benefits. But no more: ""we cannot pay retroactive benefits for any month before you reached full retirement age or more than 6 months in the past"". As for after-death benefits, an estate can only get benefits that were already due to be paid, which generally means a person died and did not get their benefits for that month, so SSA can re-issue a check to the estate following these rules. But as a person cannot be due a lump sum payment after age 70 (for more than 6 months at most), the estate will only be able to get at most 1-6 months of payments (and 6 months is doubtful - you'll need to ask a lawyer if that much would even be possible). If your father was below 70 and wanted to file-and-suspend, the question of lump on death would be more complex and I don't know that answer - but once you are past 70 this doesn't matter any more as you aren't due a lump anymore. Given the above, we've established pretty clearly that if you don't claim your benefits within 6 months after age 70, any months of payment you would have gotten are just forfeited to the system. But if you claim the benefits and stick them in the bank, can they be taken? Well, if a lawsuit is really a worry, then yes these accumulated funds can required to pay a debt - but this potential for loss can be protected against without forfeiting the benefits entirely! This is not very common, but if your father doesn't need the money now he may be able to deposit some of the money into a special partially-lawsuit protected format of the Roth IRA (which has no age limits) as detailed here. If he never gets sued, that's OK - it's still his money! If he passes away, the value goes to his estate and does not disappear. And he doesn't forfeit any of his earned retirement benefits. Finally, I would like to share one last thing with you and your father. These benefits aren't free - he has been paying a portion of his paycheck for decades into Social Security, and now he is eligible for the maximum amount of benefits per month that he will qualify for - and if he wants to keep working he loses no benefit and the amount could potentially even go up. That's up to him. But not filing for benefits now will mean that all this money he's been paying in for decades will just be lost - they'll basically just be a tax he's paid out to other retirees. His estate (which means you kids) won't get any of it, either. That'd just be a waste for everyone involved. If you have continued doubts or questions, I wouldn't hesitate to consult a specialist lawyer or talk with the SSA directly to make sure this is all correct. It's his money, and he has earned his benefits for many years. I very much hope he gets to enjoy as much of them as he can!"


It is how sales people's salaries are structured in a lot of industries.  It is structured this way to try to motivate or offer incentive for good sales people.    It is difficult to compare two completely different jobs based on salary alone, however, I would just say the market rate for their job is higher than your job.  Which is why they get paid more than you even before bonuses.  I look at it a different way.  You get paid your rate no matter what, for them to achieve what they should be making, they need to be successful at their job.  They don't have it easier, they have it harder.


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McDonalds burgers may be sub-standard, but you get what you pay for. They are extremely cheap, and you also pay for the service of speed. You order a burger and it will be out in less than 2 minutes.   If McDonalds burgers were really that shit in terms of quality+service compared to price, then how to they sell so much? Say what you want about it's quality and service but in the end I think the demand speaks for itself.


"This would be the ""character"" in the 4 C's of credit.   You also have to look at inflation. The real return you get on a euro compared to a rupee will differ due to inflation rates in each country. Because India has a higher growth rate, it will have a higher inflation rate resulting in a higher yield."


Reminds me of when a bully took my Gameboy when I was in middle school.  The kid was a lot bigger than me and I had no chance of making him give it back so I followed him as he walked home.  An older kid saw us and offered him a dollar to give it back to me.  Thank you dude, wherever you are!


>Again what you said is irrelevant.   I literally explained to you why a certain individual might not be hired due to laws you proposed. That seems quite relevant.  > People need to be able to provide for themselves.  You're still not getting the point. If you imagine yourself as an employer and you're told you must pay a certain base wage, you will not hire certain individuals because those individuals do not merit that wage. The higher the wage you must pay, the more people you do not consider for the position because they lack the skills/experience/education for that wage.  >I can google too.  OK. What makes you think an individual that is unskilled, uneducated with no work experience will be hired for a job that pays $15/hr when that employer can find people that *are* skilled/educated/with work experience for that wage?


The point im trying to make is that VaR is useless as a risk metric and it should not be a necessary part of any risk management arsenal as it does little to answer the question that losses will be limited to X K% of the time and it instils a sense of false security.


I can only imagine the regulatory difficulty you're going through, and for that I empathize. First, bankers everywhere mostly do not know if a bank policy is due to regulation or internal rules.  Other banks may be more flexible, but only the most reputable should be used. Re Paypal, they first deposit 1 USD and then withdraw it, but things may be different in Cyprus.  Also, Paypal now has debit cards, so if Paypal is permitted to issue cards in Russia then it could presumably be used in Cyprus.  Again, local regulation notwithstanding.  Paypal now has phone support at the very back of their site, so I suggest a call to them. In countries that permit, Western Union can be used to wire money into an account from cash. The Bitcoin route should be used as a last resort.  You could wake up tomorrow losting 25% easy.  The regulations are a distant second compared to this problem. With all of the above methods, there will be varying delays from days to weeks.


Good. Put more people out of work. Then we might actually get something like a basic income. We won't skip the discomfort but we can hopefully move through it quickly rather than a slow monotonous march on blistered feet.


"The way to resolve your dilemma is to consult the price-to-rent ratio of the property. According to smartasset.com: The price-to-rent ratio is a measure of the relative affordability of renting and buying in a given housing market. It is calculated as the ratio of home prices to annual rental rates. So, for example, in a real estate market where, on average, a home worth $200,000 could rent for $1000 a month, the price-rent ratio is 16.67. That’s determined using the formula: $200,000 ÷ (12 x $1,000). Smartasset.com also goes on to give a table comparing different cities' price-to-rent ratio and then claim that the average price-to-rent ratio is currently 19.21. If your price-to-rent ratio is lower than 19.21, then, yes, your rents are more expensive than the average house. Smartasset.com claims that a high price-to-rent ratio is an argument in favor of tenants ""renting"" properties while a low price-to-rent ratio favors people ""buying"" (either to live in the property or to just rent it out to other people). So let's apply the price-to-rent ratio formula towards the properties you just quoted. There's a specific house I could buy for 190 (perhaps even less) that rents for exactly 2000 / month. 190K/(2000 * 12) = 7.92 There's a house for sale asking 400 (been on the market 2 yrs! could probably get for 350) which rents for 2800 /month.  (400K)/(2800*12) = 11.90 (350K)/(2800*12) = 10.42 One can quite easily today buy a house for 180k-270k that would rent out for 1700-2100 / month.  Lower Bound: (180K)/(1700*12) = 8.82 Upper Bound: (270K)/(2100*12) = 10.71 Even so, the rental returns here seem ""ridiculously high"" to me based on other markets I've noticed. Considering how the average price-to-rent ratio is 19.21, and your price-to-rent ratio ranges from 7.92 to 11.90, you are indeed correct. They are indeed ""ridiculously high"". Qualification: I was involved in real estate, and used the price-to-rent ratio to determine how long it would take to ""recover"" a person's investment in the property. Keep in mind that it's not the only thing I care about, and obviously the price-to-rent ratio tends to downplay expenses involved in actually owning properties and trying to deal with periods of vacancy. There's also the problem of taking into account demand as well. According to smartasset.com, Detroit, MI has the lowest price-to-rent ratio (with 6.27), which should suggest that people should buy properties immediately in this city. But that's probably more of a sign of people not wanting to move to Detroit and bid up the prices of properties. EDIT: I should also say that just because the properties are ""ridiculously expensive"" right now doesn't mean you should expect your rents to decrease. Rather, if rents keep staying at their current level, I'd predict that the property values will slowly increase in the future, thereby raising the price-to-rent ratio to 'non-ridiculous' mode."


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You can't make money on the way down if it was your money that bought the shares when the market was up.  When you sell short, borrowing lets you tap into the value without paying for it. That way, when the price (hopefully) drops you profit from the difference. In your example, if you hadn't paid the £20 in the first place, then you would actually be up £5. But since you started with £20, you still show loss. As others said, borrowing is the definition of selling short. It is also simply the only way the math works. Of course, there is a large risk you must assume to enjoy benefiting from something you do not own!


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