The short answer is that it's never the right time to buy an emerging technology. As long as the technology is emerging, you should expect that newer revisions will be both better and less expensive. With solar, specifically, there are some tax credits to help the early adopters that may help you on the cost/benefit analysis, but in the end, you still have to decide whether the benefits outweigh the costs now, and if not, whether that will change in the near future. For me, part of the solar benefit is the ability to generate electricity when the power goes out. That option does require local battery storage, however. One of the benefits of using Musk's solar tiles instead of actual slate is the weight of the quartz tiles which is much lower than the weight of real slate. In many cases a slate roof is heavy enough to require major reinforcement of the roof trusses before installation. The lower weight also saves significantly on shipping costs. This is where Musk can lower costs enough to be competitive to some of the materials he hope to compete with.


I would like to specifically address your second question. There are a number of great resources available online, but I found that when I was first starting out the website Investopedia was a very helpful resource. There you will find a wide range of information regarding investing, investment vehicles, and glossaries of key terms with robust definitions to help you with the financial jargon.


Indeed! I actually travel to the US a lot, so that convo might actually happen ;) Which state do you live in?  I fear you are right when it comes to waging war. I believe the modern world is now in a post-war state. Physical war is no longer feasible among the great powers, and so the battleground is now dominated by a literal war of ideas.  I think the Russians are great manipulators - but there needs to be someone out there for them to manipulate. And while the Russians are the ones watering the garden, the seeds of extremism was sown by the elites. Those who were willing to condemn entire peoples to poverty and ignorance in the name of wealth.  In the end, I think the elite are fundamentally short sighted. The revolution will come for them too, no matter which side wins. I just hope we will manage to create a revolution that leaves everyone else better off in the future.  Thank you, and best of luck to you too! Know that you have brothers and sisters around the world who fight beside you.


So the easy to extract petroleum products are diminishing in supply and the petroleum extraction companies have to expend more capitol to get the commodities they sell on an open market and that's hurting their profit margin?  Who could have ever envisioned such a situation?


>I was referring to earlier whose large legal department said we were legally safe to hire only christian salesmen and board members.   Safe until someone decides to challenge them with a lawsuit.  Which they may or may not win.  But Title VII is pretty thin legal protection for an insurance company given that they, as you noted, primarily sell insurance.  I would think much of the safety comes from economic incentives, or the lack there of for a non-christian salesman.  Assuming they are operating in their own interest, no salesman who earns off of commission would want a handicap right out of the gate when dealing with christian customers.


I think you're making a mistake. If you still want to make this mistake (I'll explain later why I think its a mistake), the resources for you are: IRS.GOV - The IRS official web site, that has all the up-to-date forms and instructions for them, guiding publications and the relevant rules. You might get a bit overwhelmed through. Software programs - TurboTax (Home & Business for a sole propriator or single member LLC, Business for more complicated business), or H&R Block Business (only one version that should cover all) are for your guidance. They provide tips and interactive guidance in filling in all the raw data, and produce all the forms filled for you according to the raw data you entered. I personally prefer TurboTax, I think its interface is nicer and the workflow is more intuitive, but that's my personal preference. I wrote about it in my blog last year. Both also include plug-ins for the state taxes (If I remember correctly, for both the first state is included in the price, if you need more than 1 state - there's extra $30-$40 per state). Your state tax authority web site (Minnesota Department of Revenue in your case). Both Intuit and H&R Block have on-line forums where people answer each others questions while using the software to prepare the taxes, you might find useful information there. As always, Google is your friend. Now, why I think this is a mistake. Mistakes that you make - will be your responsibility. If you use the software - they'll cover the calculation mistakes. But if you write income in a wrong specification or take a wrong deduction that you shouldn't have taken - it will be on your head and you're the one to pay the fines and penalties for that. Missed deductions and credits - CPA's (should) know about all the latest deductions and credits that you or your business might be entitled to. They also (should) know which one got canceled and you shouldn't be continuing taking them if you had before. Expenses - there are plenty of rules of what can be written off as an expense and how. Some things should be written off this year, others over several years, for some depreciation formula should be used, etc etc. Tax programs might help you with that, but again - mistakes are your responsibility. Especially for the first time and for the newly formed business, I think you should use a (good!) CPA. The CPA should take responsibility over your filing. The CPA should provide guarantee that based on the documents you provided, he filled all the necessary forms correctly, and will absorb all the fees and penalties if there's an audit and mistakes were found not because you withheld information from your CPA, but because the CPA made a mistake. That costs money, and that's why the CPA's are more expensive than using a program or preparing yourself. But, the risk is much higher, especially for a new business. And after all - its a business expense.


For what it's worth -- and I realize this isn't directly an answer to the question -- one of the advantages of sticking with mutual funds, beyond their being inherently diversified, is that it removes a lot of the temptation to try to time the market. When you need money, you sell shares in such a way that it maintains your preferred investment ratio, and simply don't worry about which stocks are  actually involved. (I've gotten 15% APR this year across all my investments, for absolutely minimal effort. That's quite good enough for me.)


You will be liable to pay the tax For the 2017 year of assessment (1 March 2016 - 28 February 2017) if you earned less than R75 000 you will not have to pay any tax The annual budget speach is this week and the new tax rates will be released but most likely that R75 000 will increase to R78 000+- so if you earn less than that tax would not even be applicable on you, Should you earn in a tax year more than R75 000 then would be able to do your own tax return and payments via E-Filling on SARS's website : http://www.sarsefiling.co.za/ But if you earn less than R350 000 then you don't have to submit a tax return, but there is nothing that stops you from submitting one if you feel that you want to. You can use https://www.taxtim.com/za/ to help you with other questions  you might have. You can potentially bring down your tax-able income by showing a loss in capital value of your equipment that you purchased that is now worth less than it was when you initially purchased it, but these are all things you should discuss with a tax practitioner, I am not entirely sure how you will show a loss in capital value as a sole-proprietor, that is what you will be since you are not a company.


Touch ID =no one cares.  That's MS strategy, come up with things no one cares about.   Luckily, many are due for an upgrade after many passing on iPhone 5, so the 6 is guaranteed to have higher sales.


Atlanta, and I hate it. I'm really not a city person - I like mountains and trees and streams. I'm not trying to hate on city people, I was just hating on this dude for hating things he hasn't experienced.  Like I said, I like the state of Nevada - the parks and stuff are awesome, I just hate Las Vegas like I hate NYC and LA and SF and every other big city.   But anyway, going back to the GP, he said he has never visited Las Vegas and he hates it. That's lame. You should experience something before you hate it.


People are trying ideas like this, actually.  Though they generally aren't very public about it.  While keshlam ventures into hyperbole when mentioning Watson, he is certainly correct human language parsing is a extremely hard problem. While it is not always true that the big players will know before the news (sometimes that would qualify as insider trading).  The volume spike that you mention generally comes as the news arrives to the major (and minor) players.  So, if you have an algorithm run after the volume spike the price will likely have adjusted significantly already. You can try to avoid this by constantly scanning for news on a set of stocks however this becomes an even harder problem.  Or maybe by becoming more specific and parsing known important and specific news sources (farm report for instance) and trying to do so faster than anyone else.  These are some methods people use to not be too late.


"Imho, give yourself a base measurement. Bolster your knowledge of analytics and bar marketing. (For all intensive purposes, I'm calling it a bar). While Facebook and Twitter are good tools, they cannot be your sole focus for marketing revenue. Mainly, because active user age is lower than the drinking age in a large portion of most US domestic markets. Figure out your target market, the market for your area and gain that following. Finally, don't be afraid to give. This does not have to be in monetary form. Look for active ways to promote utilizing public servants. When I first graduated school, I opened a coffee shop, we sponsored events with our local ""guns and hoses"" (cops v firefighters), and put a lot of emphasis on our teacher, nurses appreciation months."


"One might hope for slightly more rationality in the platinum market. Rarely does one hear talk of ""platinum bugs"", rants about how every society on Earth has valued platinum as the One True Valuable Thing (tm), or seen presidential candidates call for the return to the platinum standard."


I think Peachtree is a double entry system


Well sure but derivatives valuations that you see on this chart are complete bs. Normally the derivative (future or a swap) is actually worth zero. What this chart is tallying up is the notional which is an arbitrary number only used to calculate the P&L on the derivative. Sorry but this is not really the value of the derivative, so hard to see how derivatives on this chart make any sense at all.


"Money is all relative, for sure. People will pay more if they can afford more, that I get too.   The small hiccup here is that you're talking about federal minimum wage, and the original idea was about Wal-Mart employees only. If Wal-Mart workers received 2 dollars more per hour, do you really think that would affect inflation?  Also, doesn't importing from countries that pay their workers less have an impact?  And, if the market is supposed to take care of minimum wages by itself by always offering a ""better"" choice for workers until it reaches the highest possible rate, wouldn't the same be for prices of goods, but in the opposite direction? And if these things were a functional reality instead of academic theories, wouldn't there be less of a wealth disparity in the US?"


"**The paper’s findings are preliminary and have not yet been subjected to peer review.**  >""The paper’s findings are preliminary and have not yet been subjected to peer review. And the authors stressed that even if their results hold up, their research leaves important questions unanswered, particularly about how the minimum wage has affected individual workers and businesses. The paper does not, for example, address whether displaced workers might have found jobs in other cities or with companies such as Uber that are not included in their data."""


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"IPO is ""Initial Public Offering"". Just so you know. The valuations are done based on the company business model, intellectual property, products, market shares, revenues and profits, assets, and future projections. You know, the usual stuff. Yes, it is. And very frequently done. In fact, I can't think of any company that is now publicly traded, that didn't start this way. The first investor, the one who founds the company, is the first one who invests in it after raising the capital (even if it is from his own bank account to pay the fees for filing the incorporation papers). What is the difference between ""normal"" investor and ""angel""? What do you refer to as ""angel""? How is it abnormal to you? Any investor can play a role, depending on the stake he/she has in the company. If the stake is large enough - the role will be significant. If the stake is the majority - the investor will in fact be able major decisions regarding the company. How he bought the stocks, whether through a closed offering, initial investment or on a stock exchange - doesn't matter at all. You may have heard of the term ""angels"" with regards to high-tech start up companies. These are private investors (not funds) that invest their own money in start ups at very early stages. They're called ""angels"" because they invest at stages at which it is very hard for entrepreneurs to raise money: there's no product, no real business, usually it is a stage of just an idea or a patent with maybe initial prototype and some preliminary business analysis. These people gamble, in a sense, and each investment is very small (relatively to their wealth) - tens of thousands of dollars, sometimes a hundred or two thousands, and they make a lot of these. Some may fail and they lose the money, but those that succeed - bring very high returns. Imagine investing 10K for 5% stake at Google 15 years ago. Those people are as investors as anyone else, and yes, depending on their stake in the company, they can influence its decisions."


Some loans have a variable interest rate which can protect the lender from inflation and the borrower from deflation. How much protection it offers depends on how closely the interest rate follows the inflation/deflation rate. Most variable rate loans have limits on how much and how frequently they can adjust. In your deflation scenario, the lender comes out ahead with a fixed rate loan already, since those future dollars are worth more than current dollars.  The borrower doesn't owe more dollars, but the value of the dollars they owe is higher.


good.  pple need to stop spending so much on material stuff.  help save the environment.  also, have less kids.  govt needs to impose some sort of birthing restriction or law enforced on people making less than a certain level of income.  This helps the environment.  And if the law is broken, then govt needs to sterilize the perpetrators.


"One question that I saw interns miss and it was always the first question, ""so tell us about yourself.""  Make sure you have a 2-3 min speech already figured out to answer that question. And whatever you do, don't finish the answer, ""is that good enough?""  Also, major question interns missed was, explain to us the position you're applying for. One day we had 6 interns interviewing and only one was able to answer the question. WTF!  And that same question even professionals in the field miss it....  All the other tips above are very good tips too, just thought of overlooked questions that I have seen many candidates miss."


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This question is largely opinion based but I wanted to balance out the people jumping on you. There are lots of factors that go into salary/pay, such as what you contribute to the company and whather you go above or beyond whats expected of you. I would say seniority is one factor, or at least there is a case to be made that it is important. If someone has worked 5 years for me, that is five years that I have not had to search, interview, and train a replacement. I am not a business owner but I do employ people and when someone quits its an extremely stressful process. Not having to go through that, again in my opinion, is worth a small bump in pay. I cant comment on if its fair or not. That is opinion. What is fact is that whenever a broad group of people are given a pay raise for arbitrary reasons and other employees arent, its creates discontent, it hurts morale, employees leave, and in severe cases the business becomes crippled. So Im not sure if its fair, but is it a bad idea? Generally. See here and I highly recommend going here for anyone who thinks dramatically raising pay 'because its the right thing to do' is a good idea


"If you're a good candidate in terms of all the usual metrics then it will really come down to selling yourself to any potential advisers. Remember that in PhD admissions individual professors are really making the admissions decisions.   Also, as you said you're from an econ background.... Unsurprisingly, mathematical finance is going to be pretty ""mathy."" If you haven't had courses in real analysis, differential equations, Fourier analysis, and statistics you may want to brush up on those subjects. I say this because I am doing a PhD minor operations research (coming from a mechanical engineering background) and I have been overwhelmed at times by the level of technical rigor that they take in these courses relative to my ""normal"" engineering math courses. I would have been well served studying some real analysis before taking stochastic calculus, for instance."


The adjusted close price takes into account stock splits (and possibly dividends). You want to look at the adjusted close price. Calculating percentage changes gets computationally tricky because you need to account for splits and dividends.


The creditors will not be able to go after his father's estate (assuming the father had nothing to do with the business), but at some point, the estate will be divided up. At that point, any money or assets that your husband inherits will be fair game, as they are now your husband's money or assets. I want to be clear; it's nothing to do with your husband being executor (or co-executor) of the estate. This does not contradict zeta-band's earlier answer; Zeta-band is talking about the estate before it is divided up, I'm just pointing out that there may be issues after it is divided up.


California is a non-recourse state, so they won't be coming after you for the balance.  If the terms of you divorce were written out that your wife got the house, perhaps a lawyer can get your credit cleared, but that is a long shot.   Your chances depend very much on how long your wife made payments, if there is a provable history and the length of that history might help you out. http://wiki.answers.com/Q/Which_states_are_non-recourse_states_for_mortgage_debt


If the fact that currency is based on fiat, something that has been the case with currency somewhere on Earth since the Tang Dynasty of China discovered paper money a long, long time ago, leaves you up in arms, then I shudder to think what an explanation of how the price of money can be derived from plotting IS and LM together and extending it's meeting point into the money market to determine the price of currency would do to your notion of control by powerful offices in government.  My good sir, have you ever considered that YOU might be the smug moron?  That YOU might be the one who just found out what everyone in the room already learned years ago and lack the foundation the rest of us have to understand that information in context?  That it might be YOU who are uninformed?  I'll quote you right here:  >people who have no clue what the fuck they are talking about go off and lecture other people, bringing up facts that have no thought behind them, and are merely definitions posing as an argument. Making a statement, then getting corrected, then coming back and simply lengthening the original answer is not an argument.  >I'll say it again: our currency is fiat. It is backed by nothing  You don't seem to understand just what it is backed by.  It is backed by trust, steady demand, and the assurance of powerful national and international bodies.  As is the price of everything, including gold and literally every other commodity on the planet.  Your utter shock and outrage upon discovering this minute fact does not indicate a revolutionary zeitgeist or that you are some kind of free spirit, it indicates that you are uneducated on the context of basic and well understood facts that the rest of the educated world is already caught up on.


"I know your pain oh, so much.  I literally have a 14 gallon rubbermaid container FULL of solicitations I have received.  Even worse, for-profit fundraising companies send most of those mailings! They take the money, and deduct their ""expenses"", rigged to consume almosts all your gift.  Some companies have been caught passing as little as 9% to the charity.  First let's talk about a few issues.  Authentication.  Is that outfit really a tax deductible 501c3 charity?   Address.   Is this their genuine address, or is it the dropbox of a scammer or one of those evil for-profit fundraising companies?  Acknowledgement.   For gifts over a certain size, you need a thank-you letter from them to show the IRS that you really donated.  Will you get it?  The limit is $250 (no letter, deduction rejected) but as a practical thing, it helps in an audit to show as many donation letters as possible.  Charities cannot issue them retroactively, but can issue you second copies of ones they sent previously. If the charity drops the ball, you lose.  Obviously enough, you go to the post office and spend $1 on a money order.     This does not authenticate them as a charity. It does not assure it goes to their real address.  You can do both these things yourself, by checking their data on the IRS website or on guidestar.org. You don't get an acknowledgement.  I mention these because donation websites work much the same way. DAFs require a higher one-time commitment but are much simpler and more efficient after that. If you are planning to give $5000 in a single year, save it up and open a Donor Advised Fund account.  A DAF is itself a charity.   You donate to the DAF, and take the tax deduction for charitable contributons.  Then, you tell the DAF to donate it to other charities on your behalf, or anonymously.   Their concept is, you use the DAF as a ""buffer"" so you can easily make the tax-deductible donation when you need to for tax purposes, then at your leisure research charities and support them.  However, I asked my DAF - most people donate and then immediately re-donate the money, leaving the fund at zero balance.  My DAF doesn't mind that at all, and they charge zero fees for this.   (Its expenses are paid by those of us who leave money sitting around in the DAF.  Mine charges 0.6% a year.  This money can be invested sort of like in a 401K, and each investment also has an expense ratio, such as 0.18% a year in my chosen index fund.)  Websites like ""justgive.org"" will take any amount of your money and re-donate it to the charity you select.   They deduct 3-5% for their expenses (notably paper, stamps, and the 2-3% it costs them to process your credit card)."


"This is an interesting question that may actually be better suited to Quant.SE. First of all, stock prices are random variables, or, to be more precise, stochastic processes (a time-ordered string of random variables).  The alternative to being stochastic is being deterministic, and I doubt you believe that stock prices are deterministic (meaning, they are fully knowable in advance).  The fact that real world events drive the randomness has no bearing on whether or not it is random.  So, to start, I think you have confused the technical definition of random with a colloquial concept. Now, the heart of the question is whether stock prices are memoryless.  Ultimately, this is an empirical question that has been addressed in many academic studies.  The conclusion of most of this research is that stock prices are ""almost"" memoryless, in the sense that the distribution of future stock prices displays very little dependence upon past realizations, although a few persistent anomalies remain.  One of the most robust deviations from memorylessness is the increase in the volatility of a stock following large declines.  Another is persistence in volatility.  In general, in fact, the volatility is far more predictable than the mean of stock price changes.  Hence ""memorylessness"" is a far stronger assumption than the efficient markets hypothesis. The bottom line, however, is that the deviations from memorylessness are relatively small.  As such, despite its limitations, it is a decent working assumption in some contexts."


But top 10 gives you that warm fuzzy feeling of over-abundant dependence and traps you in the repetitive beat and notion that life's ok and all one must do to overcome it is but simply be open to knuckle cracking and a feeling of internal insipid hatred for fellow man.


A bunch of places in no particular order and not any real regularity, often what I get links to on twitter etc. The Economist, Telegraph, Guardian, the odd bit from the NYT and FT or the New Statesman/Spectator. I usually browse the BBC website and I follow a bunch of colmunists/bloggers.   I really recommend Tim Harford the FT's Undercover Economist (all of his columns are also published on his personal site so you can get around the paywall easily).  However my best understanding of the euro crisis actually comes from radio/podcasts.  Particularly the BBC Radio 4/World Service More or Less: Behind the Stats (which is hosted by Tim Harford and about economics and stats and numbers in the news) and NPR's Planet Money who are both covering the situation excellently. Also Today (and sometimes PM) on Radio 4 usually by the short best of podcasts and other podcasts now and then.  I particularly like More or Less because 1.it has a very irreverent tone and 2. as well as just being regularly interesting and brilliant it regularly holds politicians factual claims or commonly quoted to scrutiny explaining what they are saying means, if it is correct and they can say it or if it is wrong or misleading etc etc.


What can I do to make sure it won't happen? Who is the right person to report this to? (apparently, the police can't make sure that it won't be used for identity theft) You want to contact any one of the credit bureaus and put a fraud alert on your account.   Once you contact one, they automatically contact the other bureaus for you. As part of this, they should send you a credit report.  Review it carefully and note any items that are not yours.  You'll then need to dispute any items that are a result of this identity theft.   You may be required to file a police report regarding the stolen identity, but if you filed one for your stolen wallet, that may be sufficient.   If the person who stole your wallet wants to steal your identity, it may be months before it shows up on your credit report.   Make it a practice to regularly check your credit reports. How do I check at any given time whether my identity was stolen? Unfortunately, there is no easy way to check if your identity was stolen.  The most common way is to check your credit report, but that only checks things that are reported to the credit reporting bureaus.   If they use your information to start an account with a utility company at a rental house that typically won't go on your credit report until they are substantially delinquent.  If they use your information to check into a hospital, that information typically won't show up on your credit report until the hospital sends the bill to collections. I've had a case where the identity theft happened at Chase, but was never reported on my credit.   So my credit report was clear, but Chase disallowed me from banking with them because the identity thief had delinquent accounts with Chase that for whatever reason were not reported to the bureaus. How likely is it that it will be used in any form of identity theft? My gut feeling is that someone who snatches a wallet and immediately runs up the credit cards isn't looking to steal identities, but rather for a quick score.   I don't know if there are statistics that back up my hunch.


I think you really have to ask yourself if its worth it, the risk/reward.  Can you trust a publicly traded company with your data in return for the analytics you can get back from them?


"I wouldn't say it is impractical at all man. I worked for a PhD in sciences (bio i think) who later went on to start a biotech buy side firm, and know another guy who is an associate. I've met people across different areas of finance (capital markets that is) who have had PhD's and the general view of these guys has always been ""fuck that guy is smart, knows everything about xyz field"". If you really want to you can definitely get in with your combo of PhD + target school. However, realistically speaking, if you do know the field so well, you should learn more than just ""above average"" investment knowledge, and fucking kill it in the market...if you can understand what drives the fundamentals of chemical companies, or biotech, or big pharma then you can make some great money in trading..."


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Technically it's an asset - a note you hold and your friend promised to repay you.


The IRS has a website called Where is my refund? Get up-to-date refund information using Where's My Refund? or the   IRS2Go mobile app. Where's My Refund? is updated once every 24 hours,   usually overnight. Refunds are generally issued within 21 days after   we receive your tax return. You should only call if it has been   longer. I don't know what information you see on this site if you owe them money. Are you expecting a check from them, or did you send them money electronically? If you sent them money you should check your bank or card statement.


Electronic trading is many orders of magnitude cheaper and more liquid than floor trading and is rapidly displacing it. Stil, electronic trading accounts for 79% of stock trading volume in the U.S. Polcari is losing the battle. Floor trading is still offered, but it's only used for bulk orders, so electronic trading is servicing small trades at minimum prices while floor trading is now the concierge service.


The guy with the good paying job stimulates the economy better than 2 people barely scraping by. The growing economy then results in the second person getting a job too. If every employer subscribed to this world view then less people would be on welfare.


You're getting the great recession and great depression confused. I'm talking about 2008, not nearly 100 years ago. I would like to know what country you live in because it's probably not Greece, Italy, or Spain. You would be singing a very different tune.


My dad owned a steel Drum / barrel recycling company where we would get barrel from food companies and recondition them. Sometimes we would get drums from one company for free and they would call us to buy drums, many times we would sell them the same drums that we got from them for FREE. That's the beauty of recycling.   After some time we started doing plastic drums and we had to find a way to salvage the plastic drums that we were not able to refurbish. So we started contacting plastic companies and started talking to a company in Middle Tennessee.    He was a huge plastic processor that was shipping hundreds of thousands tons of plastic regrind every week. He was from India and had a huge plant about 70 miles from Memphis were I was living. He would process the plastic rods or shanks here in the U.S. and ship them too be made into products in India. I was in the process of securing a processing machine from him, one from a company in Northern California, and one from a company in Florida. All three where going to place a processing machine in my dads plant in Memphis and create a coast to coast pipeline with Memphis as the center point. They where going to let us pay for the machinery by paying us to process a percentage of their plastic since much of it was coming through Memphis. That way all they had to do was ship the material once it arrived from our plant. Since Memphis is the gateway to the west and a main truck route it was perfect.   This type of arrangement is easy to make if you can convince the major players that you can deliver their product as promised. I also made arrangements with the processor close to me to relocate 2 of his employees to Memphis to manage the equipment until we got failure with the equipment and act as liaison for him. He was agreeing to everything I asked because it would have relieve production pressure off his employees and help him with his bottom line.   Make sure you investigate the type of machines you need to process the many types of plastics your processor needs or wants. There are different types of plastics and different ways of processing it.   #1 – PET (Polyethylene Terephthalate) ... #2 – HDPE (High-Density Polyethylene) ... #3 – PVC (Polyvinyl Chloride) ... #4 – LDPE (Low-Density Polyethylene) ... #5 – PP (Polypropylene) ... #6 – PS (Polystyrene)  I also know that California has a lot of air quality laws. What I would do is get to know your local EPA reps and run your plans by them, they will be able to tell you all you can and can't do. Also you processor is going to want to see your Feasibility Study and business plan before he does this type of arrangement. Once you let me know if this is something that you are still interested in doing I will send you my old business plan.     Here is a video to really get an idea of what's involved https://youtu.be/vAr4BZM_Tzk


Good answer.  I set up an S-Corp on my own, but I intend to transfer our intellectual property to an LLC at a later date.  I would say hiring an attorney to draft an operating agreement is a must and worth the expense.


and not doctors and pharmaceuticals? Hospitals, pharmaceuticals, Med Schools and medical equipement manufacturers all see higher profit margins than insurers. There is a reason people always quote the profit of insurers in terms of real value and not profit margin, its to disguise who is doing the fleecing.


"Ahahahaha....you've contributed literally nothing in any of your comments, except of course for the comment about being too much of a coward to short the stock, and yet think that you're somehow making great points while pulling numbers out of your ass and making things up whole cloth.  And you think your ""pretend to be macho"" comment is a ""debate.""  How funny.  And it has worked out *extremely* well, thanks.  And comments from extremely stupid individuals like yourself just show me that there's still more upside possible, since there are apparently some people dumb enough still not to get it, so double thanks for that.  It's interesting though that you consider me an Elon fanboy, though, when you're the one thinking about sexual acts with him.  I'm interested in the company, which is thousands of people, not one person"


I don't see countries switching to the USD, I see countries moving away from it. The US has the largest peace time debt ever, is not being even close to fiscally responsible (approving ~4 trillion budget!) and is faced with 100 trillion in future commitments (social security, medicare) with a workforce (tax base) that is decreasing as the baby boomers retire. When the US cannot meet those obligations (and most experts agree there is no hope of that anymore) they will have to print money and devalue the currency.


yes. And the rentals facilitating terrorism is such a ludicrous claim at least compared to what hotels themselves do, namely rent rooms to anyone showing up with a credit card or in the lower tiers even cash. That is even easier than ABnB where at least you have to spend a few minutes to create an account.   The real terrorism risk around hospitality is hospitality being targeted or used for laundering money which is also a lot easier in a large hotel than doing it one ABnB rental unit at a time.


"The worst part is, it's not even all that much cheaper than a basic O365 subscription!  This is either the boss' stupid idea (""what, you use Excel for something other than tracking your fantasy football league?""), or *someone*'s getting fired a month from now when the OP's office goes back to Office."


"First, consider what causes taxes to apply to a mutual fund, index or actively managed.  Dividends and capital gains are generally what will be distributed to shareholders given the nature of a mutual fund since the fund itself doesn't pay taxes.  For funds held in IRAs or other tax-advantaged accounts, this isn't a concern and thus people may not have this concern for those situations which can account for a lot of investing situations as people may have 401(k)s and IRAs that hold their investments rather than taxable accounts. Second, there can be tax-managed funds so there can be cases where a fund is managed with taxes in mind that is worth noting here as what is referenced is a ""Dummies"" link that is making a generalization.  For taxable accounts, it may make more sense to have a tax-managed fund rather than an index fund though I'd also argue to be careful of asset allocation as to maintain a purity of style can require selling of stocks that grow too big and thus trigger capital gains,e.g. small-cap and mid-cap funds that can't hold onto the winners as they would become mid-cap and large-cap instead of representing the proper asset class. A FUND THAT PLAYED IT SAFE--AND WAS SORRY would be a Businessweek story from 1998 of an actively managed fund that went mostly to cash and missed the rise of the stock market at that time if you want a specific example of what an actively managed fund can do that an index fund often cannot do.  The index fund is to track the index and stay nearly all invested all the time."


> I was under the impression that ads do better when people don’t know they’re an ad.  This is very true. If I were getting to make the rules, selfishly as a marketer, I wouldn't require this. Trick is, this isn't Instagram making the rules. It's the FTC. The FTC requires these disclosures or we could face major fines. They've done it before and have been stepping up their enforcement. So if I have rules, I'd rather a company like Instagram make it easier to comply with those rules. Right now it's iffy. The influncer has to use certain language in certain places or the FTC isn't satisfied. But I still want the post to sound 'organic'.  With this method, I don't have to mess with including certain phrases in the copy or certain hashtags. I can just roll with a normal looking post and check a box that labels it as sponsored. Easy, simple, and I'm covered.  On top of that - the best part I really, genuinely love (and the 'carrot' that will get even sketchy marketers to use this, is that I get to see live data on the post's performance. Right now only the user of the account can see the post's performance. So I have to trust that the user is right that the post got 39000 impressions. I can see likes and comments, but that's it. With full access to reporting on the post, I can also see reach, impressions (which gives me engagement rate), and saves - all of which are huge factors in determining the success of these sorts of posts.


This is more clearly defined in the EITC; for purposes of the Earned Income Tax Credit; then no, it is not Earned Income.  See publication 596, page 18 specifically: Scholarship or fellowship grants not reported on a Form W2. A scholarship or fellowship grant that wasn't reported to you on a Form W-2 isn't considered earned income for the earned income credit. Further, form 8615 describes unearned income and explicitly includes scholarships, again not on W2s: For Form 8615, “unearned income” includes all taxable   income other than earned income as defined later.   Unearned income includes taxable interest, ordinary   dividends, capital gains (including capital gain   distributions), rents, royalties, etc. It also includes taxable   social security benefits, pension and annuity income,   taxable scholarship and fellowship grants not reported on   Form W-2, unemployment compensation, alimony, and   income (other than earned income) received as the   beneficiary of a trust. So unless it was reported on a W-2 (i.e., it's for some sort of employment), it's not considered earned income.  (h/t Liam for that link) The definition on the instructions of form 6251 is not particularly different, though it's more general: Earned income includes wages, tips, and other amounts received for personal services performed.  Scholarships don't seem to fit any more into that, so I would say they do not.


Under Sarbanes–Oxley, no. There are specific responsibilities vested in the board members. Without a CEO and a CFO, the quarterly financial reports cannot be signed off. Many countries have similar responsibilities for board members, and by the same reasoning therefore a need for board members.


First, I would point you to this question:  Oversimplify it for me: the correct order of investing With the $50k that you have inherited, you have enough money to pay off all your debt ($40k), purchase a functional used car ($5k), and get a great start on an emergency fund with the rest.  There are many who would tell you to wait as long as possible to pay off your student loans and invest the money instead. However, I would pay off the loans right away if I were you. Even if it is low interest right now, it is still a debt that needs to be paid back. Pay it off, and you won't have this debt hanging over your head anymore.  Your grandmother has given you an incredible gift. This money can make you completely debt free and put you on a path for success. However, if you aren't careful, you could end up back in debt quickly. Learn how to make a budget, and commit to never spending money that you don't have again.


"They deserve jail just for their stupidity. How dense or oblivious do you have to be to hold a position that high up and still not be aware of the potential consequences.  I worked finance for a public company as a lowly employee but I don't dare touch the stock or its options no matter what I know. And these are so called ""executives"". Jail them and burn these mofos assets."


As my business partner likes to say, *don't bark at a barking dog*, it's just not worth it.  The unfortunate thing about finance is people who *know what something is* thinks that's the same as *knowing something*. It's become pretty absurd at this point with everyone I've interacted with in the industry over the years. And everyone all too defensive of whatever it is they think they know.  Tesla does not earn an accounting profit. Absent any adjustments, they are negative cash flow as well. But it's one of those rare cases where adjustments absolutely have to be made - as they are material. The business relies heavily on outside capital but a lot of it is the result of growth/capex decisions, as opposed to ones made for survival. We don't have the same set of books that capital providers get from Tesla - the ones that show you what you're looking for in this argument - but I can assure they do clear a net positive cash at this time in their history, before their aggressive expansion plans are put into effect.  We have a cool facebook community that I help run. 2,000 people or so. Used to get into the weeds on stuff like this, but lately they've all been infected by crypto. I sort of just sit on the sidelines now. That is your true job security - your competition getting attracted to shiny things.


Hard to give an answer without knowing more details (interest rates, remaining principle on loans, especially how soon the new roof is needed).  Maintaining the value in your home (unless you are planning to walk away from it or short-sell or something) is of paramount importance, and the cost of a leak should it happen can be substantial. If the roof is a few years out, and you have loans with interest rates about oh I'd say around 6%or more then I would pay off those loans and take the money you were paying there and start putting it into a fund to pay for the roof. I am also a huge fan of doing whatever you can to max out your 401K contributions.  Money put into a 401K early has a LOT more value than money put in later, and since you don't pay taxes on it, the cost out of your pocket is much lower (eg. at a 20% tax rate it costs you only $80 out of pocket to put $100 into your 401.. (look at that, you just made like 25% return on that $80) Paying off loans is pretty much equivalent to making a risk free return on the money equal to the interest rate on the loan.  But to REALLY make that work, what you need to do is in a virtual sense, keep making the loan payment just now pay it to yourself, putting that money into a savings account, or towards your 401K or whatever.  If you just torn around and start spending that money, then you are not really getting as much value to paying off the loan early.


If you are looking for budget tour in Myanmar then go by bus & train including lots of facility and visit awesome places which you can never forget moreover, enjoy the beauty of nature with your dear ones.


Some yes, but really I am sure they lean on their manufacturing partners to find out some of the issues. As you know Apple may grab tech that is on the leading edge but then let it age for a bit so all the new whiz bang stuff is in the Android phones or PC computers.


You should talk to your bank and explain what happened.  Your bank may contact vendor bank to discuss the account, but really that is up to them.   Then you should contact your police department and report the fraud. Realistically, your chances of recovering any money is negligible.  I think your best chance is convincing your bank to work with vendor bank on a reversal(if it was a domestic transfer), although it is more likely that the vendor bank account is already empty and closed.


It is not what I think that matters it is what a statistically significant number of people at any one time think.  Credit scores will be obsolete the moment enough people stop paying attention to them regardless of what I may think.  I don't spend any real time with outrage as it inhibits problem solving.  Laws (and regulations) often follow the collective will more than they advance or shape it.  Governments often only react when they have no other choice politically.  But most government regulations wind up being like Tipper Gore telling Frank Zappa to tone it down and he telling her to go fuck off.


"Yes.  This article describes opting-out: http://www.nerdwallet.com/blog/banking/overdraft-fees-what-banks-charge/ It is true, I think, that most banks will offer this as a ""courtesy"" by default, but I believe that they must offer an option to opt-out. I checked my bank's webpage, and they explicitly describe how to opt-out by calling a number or visiting a bank branch, but it required digging carefully to find that information. That being said, are you sure that you'd really want to opt-out?  The bank can still charge a fee for non-sufficient funds (NSF) and whoever was expecting the payment may also charge you late fees and service fees.  It's much better just to make sure that you don't overdraw through careful planning."


"I really like the author/speaker making the ""diamond"" analogy -- that there is no shortage of diamonds, you just have to be willing to pay the asking price.  Seems like in addition that that (the desire for a ""bargain""), AND again as the author speaker highlighted, the fact that managers want everyone ""fully trained/experienced"" -- combines with the idiotic use/abuse of badly designed pseudo-expert applicant screening software (apparently implemented on the same ""idiot manager/HR"" model that I saw in practice a decade or more ago already) that makes them (stupidly) claim that there is no one to hire.  *Which really just all comes down to BAD hiring & BAD management practices.*"


Both Spain and Italy's economies are trash tier at this point.  Are you actually trying to include the UK in the EU at this point?  And then you reference countries as being high quality that have smaller populations than most US states.  Stop using irrelevant arguments.


"Have your story down pat, when they ask ""So tell me about yourself"" or ""So tell me about this past position"" you should be able to speak confidently about it while not coming off as pre rehearsed  When they ask ""So why this position"" have the usual corny answers ready, ie ""I've always had an interest in X and believe this would be an amazing opportunity to learn blah blah blah"". Mention how the job duties/description is also what you were looking for as you'll have exposure to different functions, even if the job is boring as fuck  Smile/smirk if they try a funny joke, don't be afraid to BS with them  I have some interview guides if you want to pm me an email address"


Originally, stocks were ownership in a company just like any other business- you expected to make a profit from your investment, which is what we call dividends to stock holders. Since these dividends had real value, the stock price was based on what this return rate was, factoring in what it might be expected to be in the future, etc.  Nowdays many companies never issue any dividends, so you have to consider the full value of the company and what benefit could be gained by another company if it were to acquire it. the market will likely adjust the share price to factor in what the value of the company might be to an acquirer.  But otherwise, some companies today trading at an astronimical price, and which nevers pays a dividend- chalk it up to market stupidity. In this investor'd mind, there is no logical reason for these prices, except based on the idea that someone else might pay you more for it later... for what reason? I can't figure it out. Take it back to it's roots and imagine pitching a new business idea to you uncle to invest in- it will make almost nothing compared to it's share price, and even what it does make it won't pay anything to him for his investment. Why wouldn't he just laugh at you?


Long term, student loan debt is a huge damper on the economy overall. When a generation is paying the equivalent of 50-100% of rent or a mortgage on debt, you can't get around it. At best, it will delay things like homeownership (which is what we're seeing), but at worst, it will be crippling for an entire generation of Americans (which we might also be seeing, but it still has to play out).  I think the biggest problem with debt is how it changes your risk tolerance. Meaning, we Millennials are well-trained and well-positioned to be employees. Not inventors or entrepreneurs. As cheesy as it's sounds because of pandering politicians, small businesses are— or were— huge drivers of innovation, jobs and growth. Not the growth that only impacts the 1%, but the growth that boosts wages and creates good jobs for everyone. On one hand, it's an inefficiency, but a good inefficiency. Meaning, if you have 100 small business, they all need sales guys, accountants, payroll, stock guys, cashiers. They all use dozens and dozens of suppliers, and are more likely to use local, domestic labor. Consolidated industries and reliance more on larger businesses means those 100x accountants and sales guys are replaced by a fraction. Fewer jobs, fewer opportunities, smaller salary growth, less domestic labor used. This, to me, is the real danger in not only student loan debt, but even uncertain retirement conditions. Our money is paying debt and dumping into 401ks, not starting businesses and generating meaningful economic activity.


Prime Suspect was the female one I was thinking of.   And don't forget the comedies. In the US we had Barney Miller and Night Court.   One of the best shows around was Carol Burnett. [Tim Conway and Harvey Korman](http://youtu.be/_KVs7pYcQ9Y) watch some of them archived in youtube.


"Wasn't me! Up votes for a good reply. I was just taking issue with the fact that what the scientist said wasn't really _wrong_, and it was a bit of an odd reason to stop reading the article. I don't think it has anything to do with not ""shooting for the impossible"", it was more of an engineering statement of current fact."


Don't go for the 'fast buck'. There's no such thing. There are two types of people that make money on the stock market: Investors and Speculators. Investors are people that pick a stock that's relatively low, relatively secure, and buy the stock for the long run, 5, 10 years or more. Warren Buffet said his ideal period for investing is forever. Basically, a well run company should always be a good investment. Speculators go for the fluctuations in stock prices. Day traders, Options, etc. It's risky business and you'll be able to lose a lot of money in a short term. There's always a risk when you invest your money, so go with MrChrister's advise to start with a simulator. Have fun.


"I agree. These think tanks are coming out with some cooked stories but no one is checking even the motivations of some. Some university departments seem also to be putting out study results with social and economic implications that are cooked. The results can't be reproduced in the studies by the social ""sciences"" and they never tell us that. I don't know if it's bias or the media just likes to go with a prepackaged (ie prepaid) story."


Like I said, I absolutely believe and admit that there are people using ICOs as a vehicle for schemes.   That said, there are also individuals like [Brendan Eich](https://en.wikipedia.org/wiki/Brendan_Eich) who are accomplished and trusted individuals participating in the market as well. Brendan is the creator of JavaScript and a cofounder of Mozilla. He also created the [Brave Web Broswe](https://brave.com/) and through that launched an ICO for his cryptocurrency, [Basic Attention Toke (BAT)](https://vimeo.com/209336437) whose ICO gathered [$35MM in under 30 seconds](https://www.coindesk.com/35-million-30-seconds-token-sale-internet-browser-brave-sells/). I want you to read that again: $35MM in 30 seconds given to a proven and renowned technologist who has been an important figure in shaping the web as we know it for him to cut out the middle men, banks, VCs, and everyone else and have the capital needed to focus on building and launching a new project.    Is everyone Brendan Eich? Absolutely not, but it is important that a market like this exists so that the Brendan Eich's of the world can venture down these paths to accomplish great things, even if that means suffering through scams.  Finally, on the subject of ICOs themselves: are ICOs a bubble? Maybe, but if and when it pops, it will simply clear the way for the value added projects. It is important to note that the majority of ICOs that take place are outside of the US and bar US citizens from participating. Additionally, the majority of project teams within the US that seek to issue an ICO through the proper legal channels are seeking legal counsel to help structure the deals, usually costing anywhere between $100-300K.   To answer your question regarding subs, I would suggest following:  • /r/CryptoCurrency   • /r/ethereum   • /r/btc   • /r/Bitcoin   These are good basic starting points that can help you learn abd branch out from there. Another great resource for news is [Coindesk](https://www.coindesk.com/).  Hope this helps and I am happy to discuss further if needed.


The typical deal would be a premium to the normal rent, say $1200 instead of $1000, in return he has the option to buy the house at a fixed price by the end of the agreement term.


There are many different reasons to buy property and it's important to make a distinction between commercial and residential property. Historically owning property has been part of the American dream, for multiple reasons.  But to answer your questions, value is not based on the age of the building (however it can be in a historic district). In addition the price of something and it's value may or may not be directly related for each individual buyer/owner (because that becomes subjective). Some buildings can lose there value as time passes, but the depends on multiple factors (area, condition of the building, overall economy, etc.) so it's not that easy to give a specific answer to a general question.  Before you buy property amongst many things it's important to determine why you want to buy this property (what will be it's principal use for you). That will help you determine if you should buy an old or new property, but that pales in comparison to if the property will maintain and gain in value. Also if your looking for an investment look into REIT (Real Estate Investment Trust). These can be great. Why? Because you don't actually have to carry the mortgage. Which makes that ideal for people who want to own property but not have to deal with the everyday ins-and-outs of the responsibility of ownership....like rising cost. It's important to note that the cost of purchase and cost of ownership are two different things but invariably linked when buying anything in the material strata of our world. You can find publicly traded REITs on the major stock exchanges. Hope that helps.


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Every major financial firm and government in the world is looking at blockchain technology right now. It's definitely revolutionary. I think it's the most significant technological innovation of the past decade. Whether or not Bitcoin will succeed is still to be determined, but it's the leading contender.


Not charging taxes on a money losing investment or business is much more than humanitarian it is common sense. In general money that is used to invest has already been taxed as income or inheritance to the person making the investment so taxing that money again not just the profit would provide a disincentive for people to invest. Which would be bad for economic growth over the medium and long term. As far as taxing a money losing businesses goes, most businesses don't make money in their couple of years and adding further tax burdens would be counter productive because it would provide a major hurdle for people wanting to start a business. Other have already mentioned that the money losing operation likely paid indirect taxes as well. Small businesses provide a majority of the economic growth and innovation. So in short additional taxes on money losing investments and businesses would be both foolish and shortsighted.


You seem to think that Ray is suggesting it's the Fed's job to make Trump voters happy.  I didn't get that impression from the article.   He seemed to be pointing out that the Fed may accidentally make things worse by looking at averages instead of drilling down into the quintiles.


"There's plenty of advice out there about how to set up a budget or track your expenses or ""pay yourself first"". This is all great advice but sometimes the hardest part is just getting in the right frugal mindset. Here's a couple tricks on how I did it.  Put yourself through a ""budget fire drill"" If you've never set a budget for yourself, you don't necessarily need to do that here... just live as though you had lost your job and savings through some imaginary catastrophe and live on the bare minimum for at least a month. Treat every dollar as though you only had a few left. Clip coupons, stop dining out, eat rice and beans, bike or car pool to work... whatever means possible to cut costs. If you're really into it, you can cancel your cable/Netflix/wine of the month bills and see how much you really miss them. This exercise will get you used to resisting impulse buys and train you to live through an actual financial disaster. There's also a bit of a game element here in that you can shoot for a ""high score""... the difference between the monthly expenditures for your fire drill and the previous month.   Understand the power of compound interest. Sit down with Excel and run some numbers for how your net worth will change long term if you saved more and paid down debt sooner. It will give you some realistic sense of the power of compound interest in terms that relate to your specific situation. Start simple... pick your top 10 recent non-essential purchases and calculate how much that would be worth if you had invested that money in the stock market earning 8% over the next thirty years. Then visualize your present self sneaking up to your future self and stealing that much money right out of your own wallet.  When I did that, it really resonated with me and made me think about how every dollar I spent on something non-essential was a kick to the crotch of poor old future me."


Hmfroid est l'une des meilleures entreprises de vente d'équipements de restauration en Belgique. Hmfroid vend du matériel de restauration en ligne, un réfrigérateur et presque tous les types d'équipements qui peuvent être utilisés dans le restaurant, la cuisine et l'hôtel, et la qualité de l'équipement serait de niveau mondial.


The high blood alcohol content can often lead to a mistaken arrest for DUI. A medical test for GERD is one of the possible steps that an experienced Tacoma DUI lawyer like Kim E. Hunter would take to ensure that their client is not suffering from this condition.


Those who are looking for Taxi Booking App like Uber, must visit 'Depextechnologies.com'. Uber clone is an online taxi booking Software. Depextechnologies offers Cabying that is highly scalable, robust and integral website & mobile applications. Explore their website to know more.


On top of that, don't impose a hierachical accountability system. Create a culture that pushes employees to commit to personal accountability for their actions and behaviors instead of exhausting yourself holding employees to the fire. Provide an environment that prompts employees to walk the coals themselves. Culture is everything to an organization, no matter its scale and size.


Now I have been trying to figure out how to split the money that we both earn. From what I can see there are several concepts but none of them really seems ideal to me. There is nothing fair or unfair in such arrangements. It is what you both agree. You can try and make this as scientific as possible. But then there is no golden rule.  For example, your girlfriend makes 2200 now and due to child, she is making 1100. The child is both of your responsibility; so you need to compensate half of her salary loss. 550 and she takes the other half. If you hire a nanny to look after you kinds, it would say cost you 500. But your girlfriend is doing that job, so she should get additional 500 from common pot. Plus due to loss of few years in looking after the children, she has a lost opportunity in career growth. i.e. she may indefinitely make less money than she can... So one gets into all kinds of theories and analysis and any arrangements will have some or the other gaps.  So my suggestion, don't get too scientific about it. Just talk it out as to what you both feel how this should be and arrive it. It is something every individual has to agree. It also make sense to have the large assets [or assets that matter], like house, car etc in clear title and who gets what in case you decide to separate. Other should be incidental.


"The treatment of employees has found a new low with the use of technology. I was especially appalled by Jamba Juice who schedules down to 15 minute increments with part time employees. Their rational is that it saves the company money and their employees do not have the""same energy and enthusiam"" during the second half of a shift.  I own my company and have had the same employees for over 24 years. Through good times and bad, they have always given me superior work with 150% effort. Clients ask me how I retain these great people. Here is the secret-it is in the form of a story.  Two sled dog teams are in a race in the wilderness of Alaska-food is low and conditions are bad. Every night one of the mushers made sure his dogs were feed and bedded down first before he took care of himself with what little was left. He loved his dogs and cared about his dogs well being. Every morning the dogs got up and pulled the sled through the deep snow. They brought their master to the end of the race and saved his life.   Every night the other musher feed himself first and made sure he was warm, after that he took care of his dogs with what little was left. Some of his dogs eventually ran away and some of his dogs died. There were not enough dogs left to pull the sled and the musher froze to death in the Alaska wilderness. Some of the last dogs ate him to survive.  I doubt Ms.Rosser and Ms.Luey from Jamba Juice will grasp the moral of this story. I am sure their turn over of employees is very high and the true cost of retraining new employees is not factored in to their fantastic business plan. I find my clients are well pleased in part because they are assured they will have the services of my same employees who they know and trust to do a great job. My employees have increased my business and its bottom line.  Advice to Ms. Rosser and Ms. Luey: 1) You best be perky and enthusiastic in the afternoon or a computer program may tell your boss to demote you and cut your pay. 2) You better hope Kronos Company is not hired by Jamba Juice to create a program which does your jobs better and your services are no longer needed. 3) Watch your back and if you feel someone chewing on your leg, you now know the reason why."


Actually, Pandit leaves Citi in a stronger position than before - http://blogs.wsj.com/marketbeat/2012/10/16/citi-shares-under-pressure-as-ceo-pandit-steps-down/  It was one of the deepest wounded companies and Pandit has managed to improve its balance sheet in a pretty thankless job.  Expect Corbat to take the hatchet to the balance sheet and do large amount of layoffs.


If you are worried about an increase in volatility, then go long volatility. Volatility itself can be traded. Here in the US there is an index VIX that is described as tracking volatility. What VIX actually tracks is the premium of S&P 500 options, which become more expensive when traders want to hedge against volatility. In the US you can trade VIX options or invest in VIX tracking ETFs like VXX. Apparently there are similar ETFs listed in Canada, such as HUV. Volatility itself is quite volatile so it is possible that a small volatility long position would cover the losses of a larger long position in stocks. If you do choose to invest in a volatility ETF, be aware that they experience quite a lot of decay. You will not want to hold it for very long.


"There is a very simple calculation that will answer the question: Is the expected ROI of the 401K including the match greater than the interest rate of your credit card? Some assumptions that don't affect the calculation, but do help illustrate the points. You have 30 years until you can pull out the 401K. Your credit card interest rate is 20% compounded annually.  The minimum payoffs are being disregarded, because that would legally just force a certain percentage to credit card. You only have $1000.  You can either pay off your credit card or invest, but not both.  For most people, this isn't the case.  Ideally, you would simply forego $1000 worth of spending, AND DO BOTH  Worked Example: Pay $1000 in Credit Card Debt, at 20% interest.   After 1 year, if you pay off that debt, you no longer owe $1200.  ROI = 20% (Duh!) After 30 years, you no longer owe (and this is pretty amazing) $237,376.31.  ROI = 23,638% In all cases, the ROI is GUARANTEED. Invest $1000 in matching 401k, with expected ROI of 5%. 2a. For illustration purposes, let's assume no match After 1 year, you have $1050 ($1000 principal, $0 match, 5% interest) - but you can't take it out. ROI = 5% After 30 years, you have $4321.94, ROI of 332% - assuming away all risk. 2b. Then, we'll assume a 50% match. After 1 year, you have $1575 ($1000 principle, $500 match, 5% interest) - but you can't take it out. ROI = 57% - but you are  stuck for a bit After 30 years, you have $6482.91, ROI of 548% - assuming away all risk. 2c. Finally, a full match After 1 year, you have $2100 ($1000 principle, $1000 match, 5% interest) - but you can't take it out. ROI = 110% - but again, you are stuck. After 30 years, you have $8643.89, ROI of 764% - assuming away all risk. Here's the summary - The interest rate is really all that matters.  Paying off a credit card is a guaranteed investment.   The only reason not to pay off a 20% credit card interest rate is if, after taxes, time, etc..., you could earn more than 20% somewhere else.   Note that at 1 year, the matching funds of a 401k, in all cases where the match exceeded 20%, beat the credit card. If you could take that money before you could have paid off the credit card, it would have been a good deal. The problem with the 401k is that you can't realize that gain until you retire. Credit Card debt, on the other hand, keeps growing until you pay it off. As such, paying off your credit card debt - assuming its interest rate is greater than the stock market (which trust me, it almost always is) - is the better deal. Indeed, with the exception of tax advantaged mortgages, there is almost no debt that has an interest rate than is ""better"" than the market."


One thing is for sure, no matter how you look at it, Obama's 8 years will prove to be lost years in America. Gridlocked congress, Health Care Reform, and the inevitable double dip recession/ depression will be the blame, and most of it will be directed towards the policies of the last 16 years.  I used to be a stone cold republican. Super Conservative. That is when I thought I had the entire world ahead of me. Now, with having to work a minimum wage job, and paying back my student loans to clear my debt, my views have changed a little   I want to believe that America will take their eyes away from Fox News and MSNBC and look outside of both the Dems and GOP point of view, and invite a third party into the discussion. I believe the Libertarians may be able to bridge the gap. Most Americans would fit their beliefs and political platform, and they do raise some great questions. I just hope it does not get sabotage by the extremest like the tea party did.  But in short, if their is no unity, and a split in America, things could get ugly by 2018.


In this example you are providing 4x more collateral than you are borrowing.  Credit score shouldn't matter, regardless of how risky a borrower you are.  Sure it costs time and money to go to auction, but this can be factored into your interest rate / fees. I don't see how the bank can lose.


Berkshire Hathaway issues first ever-negative coupon security from back in 2002 had this part: The warrants will give the holder the right to purchase either shares   of the Company's class A or class B common stock at the holder’s   option. The initial exercise price represents a 15% premium over the   closing price of the class A shares on the NYSE on May 21, 2002. The   Notes will pay holders a 3.0% interest rate per annum and holders will   pay 3.75% installment payments per annum on the warrants. The warrant   payments due from holders will be greater than the coupon on the   senior notes, effectively making SQUARZ the first negative coupon   security. Berkshire Hathaway will use the net proceeds from the   issuance for general corporate purposes, including possible   acquisitions, none of which are pending. This would be an example where the strike price was 15% higher than the closing price yet the security sold well.


> I think you're overestimating the amount of people who do use these blockers. Less than 10%. Most people don't care  You're wrong, they all care, they're just ignorant. And people like me are curing them of their ignorance.


That's up to you, but I wouldn't play around with my retirement money if I was in your situation. Your earning potential during your retirement years will likely be at its nadir. Do you really want to risk being forced to be a Wal-Mart greeter when you are 80? Also, considering your earning potential now is probably at or near the peak, your opportunity cost for each hour of your life is much higher now than it will be later. So ultimately you'd be working a little harder now or a lot harder later for less money.


Barnie Sanders is a cheap demagogue without any moral standards. I know, I know, why would I be attacking the guy?  Well, he has criticized the Fed with cheap points like this that actually anyone a bit interested in the Fed knows, he jumped in the Audit the Fed Ron Paul push but when the time to stand up came he sold out. Bernie Sanders accepted passing a modified version of the Audit the Fed bill that basically rendered the bill useless because it was only a one time audit and only of specific actions, leaving out a bunch. Then it was publicized as if the bill had passed and was a victory so people were happy, when in reality (as the same Ron Paul pointed out) the bill was defeated. And it was because Sanders, who was sponsoring the bill on the Senate, accepted the changes. He is a sold out. The guy is so shameless that he even brags about hhow he helped auditing the Fed.  tl;dr: Bernie Anders talks the talk but does not walk the walk.  EDIT: Btw, to anyone interested, Ron Paul is trying to promote the Audit the Fed bill again right now and is gaining traction. Hopefully this time Ron Paul will find someone in the senate to sponsor his bill that is not a sell out like Sanders.


Looks like folks here don't like to look on the bright side.  I remember watching a documentary about an American guy with terrible allergies going to Africa to deliberately infect himself with hookworm so that he could live a normal life. It worked.


"This is the best tl;dr I could make, [original](https://hbr.org/2017/10/why-wages-arent-growing-in-america) reduced by 89%. (I'm a bot) ***** > Since the early 1970s, the hourly inflation-adjusted wages received by the typical worker have barely risen, growing only 0.2% per year.  > We also know that educated workers have fared better; the wages received by those who finished their education with a four-year college degree grew from 134% of high school graduates&#039; wages to 168%. While increasing educational attainment has helped to raise wages for many workers, it remains the case that the majority of Americans have not completed a four-year degree.  > The deteriorating value of the inflation-adjusted minimum wage, along with declining union membership, have lowered wages for many in the bottom and middle of the wage distribution.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/78ow1c/why_wages_arent_growing_in_america/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~234980 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **wage**^#1 **worker**^#2 **growth**^#3 **policy**^#4 **share**^#5"


"futility of your beliefs... what are you, a supervillian? Don't write like that, it makes what you say sound ridiculous. It's not my ""dogma"" that makes me not want to discuss this issue with you, its that people with a libertarian mindset tend to have a zealous ideology that makes it impossible to talk to them about anything without them going into full on proselytize mode and say shit like, ""If you keep your head buried in the sand, you won't see the ocean creeping up to drown you."" No, Sir, I am aware of your set of beliefs and I don't agree with them. The end."


I will start making food that people love.  1517 is old. Food should be old too. A good market for launching new varieties of food. The advantage is that I can experiment whatever I want; free to do anything. Every time I launch a new dish in the market, chances are very high that people would pay special attention to new tastes. The money wouldn't be a major turning point there.  Feeding people with different dishes would bring in reputation among the community. That's all I want for my business to expand smoothly.


"I see, so this virus will somehow ""spread via USB"" even though it's not connected to other ATMs.  I think you've watched too many movies with hacker themes.  And compromising the OS will also somehow hack the proprietary bank software that unlocks the cash.  Smh."


You don't always have a choice. If you RTA, this is about loans that BoA bought from other lenders, or banks they acquired. If there is such a thing as a conventional mortgage contract that cannot be sold to another bank, I have never heard of it.   Any bank you borrow from is generally free to re-sell the loan to any other bank. You agree to the contract, not the name on the letterhead.


"This is going to depend on the tax jurisdiction and I have no knowledge of the rules in Illinois.  But I'd like to give you some direction about how to think about this.   The biggest problem that you might hit is that if you collect a single check and then distribute to the tutors, you may be considered their employer.  As an employer, you would be responsible for things like  This is not meant as an exhaustive list.   Even if not an employer, you are still paying them.  You would be responsible for issuing 1099 forms to anyone who goes above $600 for the year (source).   You would need to file for a taxpayer identification number for your organization, as it is acting as a business.  You need to give this number to the school so that they can issue the correct form to you.  You might have to register a ""Doing Business As"" name.  It's conceivable that you could get away with having the school write the check to you as an individual.  But if you do that, it will show up as income on your taxes and you will have to deduct payments to the other tutors.   If the organization already has a separate tax identity, then you could use that.  Note that the organization will be responsible for paying income tax.  It should be able to deduct payments to the tutors as well as marketing expenses, etc.   If the school will go for it, consider structuring things with a payment to your organization for your organization duties.  Then you tell the school how much to pay each tutor.  You would be responsible for giving the school the necessary information, like name, address, Social Security number, and cost (or possibly hours worked)."


"What if your tank legs scuff the floors and tear the carpet?  For ""super-soldier"" augments, I think a more sensible option would be powered armor or an exoskeleton, so you don't have to wear your tank legs in polite company."


>sooo if their is an accident, just take him off the job in middle of helping people off the streets, got it.  Shifts should overlap.  New cops come in.  They pass the relevant info and go home.  In any case, maybe an exception can be made for an accident.  But 200k is not an accident or two of overtime away from what the salary should be.


As said previously, most of the time volume does not affect stock prices, except with penny stocks. These stocks typically have a small volume in the 3 or 4 figure range and because of this they typically experience very sharp rises and drops in stock prices, contrasting normal stocks that go up and down constantly every minute. Volume is not one thing you should be looking at when analyzing a stock in most cases, since it is simply the number of people of trades made in a day. That has no effect on the value of the company, whereas looking at P/E ratios, dividend growth, etc all can be analyzed to see if a company is growing and is doing well in its field. If I buy an iPhone, it doesn't matter if 100 other people or 100,000 other people have bought it as well, since they won't really affect my experience with the product. Whereas the type of iPhone I buy will.


So the bank can (theoretically) compare that signature to the ID you provide, showing that the names and signatures match and that you are the person to whom the check was written.


You can literally get better food from the freezer section at the grocery store.  That's fine, and people will still go to places serving that food if there's other redeeming qualities, but I didn't see any such qualities the couple times I've been to one of these places.  I don't get what the appeal is.


The real estate industry today is highly exploitative, you're right, but there are currently nothing stopping rents from rising. The major controls in place are are primarily supply constraints, which would lower prices if removed by allowing small, entrepreneurial developers and builders to create new housing more easily. There's also nothing to stop institutional investors from buying up all the housing right now, but those investors are generally not looking for high growth, they're looking for stable returns. Apartment buildings are viewed as similar to blue chip stock portfolios in that regard. Low growth, but also low risk.  The reason capitalism wouldn't lead to monopoly is that it takes work both to gain resources, and to retain them, and the most reliable way to retain them is to reinvest them in the economy. Investment permits new businesses to grow, and new industries to form. It's precisely because the economy isn't limited to a fixed size that wealth of one group doesn't require to poverty of others. New value creation is the core of the theory, and nearly every living person has at least some capital (their body and mind) to begin employing toward value creation.  I recommend reading Henry Hazlitt's Economics in One Lesson if you'd like to understand the theory behind why and how free market capitalism is supposed to work.


"What you need to do is go to yahoo finance and look at different stock's P/E ratios. You'll quickly see that the stocks can be sorted by this number. It would be an interesting exercise to get an idea of why P/E isn't a fixed number, how certain industries cluster around a certain number, but even this isn't precise. But, it will give you an idea as to why your question has no answer. ""Annual earnings are $1. What is the share price?"" ""Question has no answer"""


Do you have an actual criticism of my argument to contribute to the discussion?  Do you really consider yourself a reasonable person of science and evidence, when, confronted with evidence that people here are using pseudo-scientific, unsourced blogs to justify their claims, instead of refuting that, you derail the conversation into proving that the Earth isn't flat and whether Finland exists?   You're just being facetious. You shouldn't abandon your integrity just because your arguing over the internet and see something you don't like.


"Once the examination is done, it is recommended to begin calling around to different purchasers. The most solid reestablished auto purchasers are scrap auto evacuation organizations, scrap terraces, and ""money for autos"" administrations. These are the parts that compensation the most for rescued, assaulted, and trashed vehicles and furthermore give junk car quote. It is critical to contact a few associations, additionally in the event that they are not in your general vicinity. This sort of research will offer you a thought for the going rate of the piece vehicle you have and the condition it stays in; at that point you could unquestionably recognize reasonable offers and forthcoming cheats. They ended up being the best cash for Cars Company."


"Gifts given and received between business partners or employers/employees are treated as income, if they are beyond minimal value. If your boss gives you a gift, s/he should include it as part of your taxable wages for payroll purposes - which means that some of your wages should be withheld to cover income, social security, and Medicare taxes on it. At the end of the year, the value of the gift should be included in Box 1 (wages) of your form W-2. Assuming that's the case, you don't need to do anything special. A 1099-MISC would not be appropriate because you are an employee of your boss - so the two of you need to address the full panoply of employment taxes, not just income tax, which would be the result if the payment were reported on 1099-MISC. If the employer wants to cover the cost to you of the taxes on the gift, they'll need to ""gross up"" your pay to cover it. Let's say your employer gives you a gift worth $100, and you're in a 25% tax bracket. Your employer has to give you $125 so that you end up with a gain of $100. But the extra $25 is taxable, too, so your employer will need to add on an extra $6.25 to cover the 25% tax on the $25. But, wait, now we've gotta pay 25% tax on the $6.25, so they add an extra $1.56 to cover that tax. And now they've gotta pay an extra $.39 . . .  The formula to calculate the gross-up amount is: where [TAX RATE] is the tax rate expressed as a percentage. So, to get the grossed-up amount for a $100 gift in a 25% bracket, we'd calculate 1/(1-.25), or 1/.75, or 1.333, multiply that by the target gift amount of $100, and end up with $133.33.  The equation is a little uglier if you have to pay state income taxes that are deductible on the federal return but it's a similar principle.  The entire $133.33 would then be reported as income, but the net effect on the employee is that they're $100 richer after taxes. The ""gross-up"" idea can be quite complicated if you dig into the details - there are some circumstances where an additional few dollars of income can have an unexpected impact on a tax return, in a fashion not obvious from looking at the tax table.  If the employer doesn't include the gift in Box 1 on the W-2 but you want to pay taxes on it anyway, include the amount in Line 7 on the 1040 as if it had been on a W-2, and fill out form 8919 to calculate the FICA taxes that should have been withheld."


"My credit Union has a ""credit builder"" loan, they loan $1000 and put it in a savings account you cant withdraw from and take out automatic payments. That would be better, the whole point of credit is on time payments, but my lender told me the effects on credit would be minimum. Probably best for those with no credit history."


This is more a question about economics than about personal finance. The answer, though, is straight-forward. Samsung makes enough profit on the phones that they are willing to eat the costs of a 0% loan, with the attendant risk of non-payment and the loss due to inflation. By offering financing, they expect to sell more phones. So, it's a slight cost to Samsung, but one they can easily afford due to the markups and increased volume of sales.


You are weighting a certain cost of the mortgage interest versus the possible gain of the value of the house.   Take the interest you pay per month and divide it by the current value of the house.  Say your interest is 3% of the value of the house (may be more or less depending on the balance owed and the interest rate of your mortgage). Say the average appreciation in your area is also 3%. But that means that there's only a 50% chance that the actual appreciation will be more than that (assuming the odds are equal either way), and there's a 50% change that you'll be worse off.   Generally, trading a risk-free loss for a risky gain of equal size is not a good investment; you generally can find better average returns on risky investments, so your best bet is to sell now and pay of the mortgage.


"It comes down to individual priorities.  Some people prefer to spend their money on a luxury car or SUV, rather than on computer gear, a bigger house, having three extra kids, eating in restaurants, or whatever. Some people are quite happy to take out a loan to get more expensive products, and service that loan over several years. There is also ""status"" attached to some makes (e.g. german marques).   That comes with a status premium, which some people are prepared to pay for, or take out debt to get - and some are not.    Compare (say) a base model Audi or BMW with a similarly priced non-luxury model from a Japanese competitor.   The Japanese model will probably have more features (leather, large rims, safety aids, etc) than the European at the same price point - and it will be necessary to tick several options (and pay extra for them - which can amount to 30-40% extra cost) to get the luxury car with a comparable set of features.    For some people, the luxury brand is worth the difference.  For some it is not."


they did crash because supply caught up to demand.  > because the only reason people were buying them is because they would go up in value  that is the explanation for why price shot up so quick.  > Sounds exactly like Bitcoin in my opinion  There's genuine utility in cryptocurrency.  Bitcoin is the anchor to all of them.  Btw, there is significant cost to mining bitcoin  > How many people do you know using Bitcoin as a currency?  You can pay bills with it.  A lot better than gold in that regard.  >  It isn't backed by a government or military  historically always a terrible thing for every currency.  The freedom from political whim based valuation is a plus.  > When it crashes and criminals are the only ones using it, then what is it worth?  Criminals would be better off using cash or Monero (a crypto with better privacy safeguards).  But criminal can be a bit subjective.  Bitcoin for instance is the best vehicle for transporting money protecting from thieves whether or not they are government employees.  >  Maybe $100 a coin? $10? Who knows, it sure as hell isn't $5,000 a coin though.  I think we'll see $5000 again, before $3000 or $1000.


Taylor Swift is popular precisely because she projects a fundamental decency and likeability that is mostly absent among the other poptarts.  The axis-of-strippers that is Beyonce', Madonna, and the rest of the rotting culture may be titilating, but everyone pretty much knows that all they're doing is selling softcore porn.  No one serious about music is listening to these popstar yowlings.  The London Symphony won't be accompanying the vocal stylings of Katie Perry anytime soon.  But, at least Swift is a likeable and apparently very nice young woman.  Beyonce et al should get some lessons in civility and adult behavior from her ...


No it would not. Source: algebra.  Also their test is completely stupid. I'm sure the 1000 people getting free money will do well. But that isn't the part people are concerned about.   The problems with a universal roll out would be inflation, huge tax jump to pay for it, disincentive to work for all of society, and economic migrants from other parts of the world that hear about your country giving out free money.   None of those things are getting tested if it is just 1000 random people spread through out the country.


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There are many factors.   Most gas stations price their gas based on what it will cost them to replace it.  So when their supplier raises the price that it charges the station the station typically raises its prices proportionality.  The suppliers tend to have their own rates.  The business needs to make a profit so the business sets the price where it feels it will make the most money. Some stations buy bargain gas.  Many people say they find this gas to be just fine.  Personally some stations gas seems to make my cars run much worse.  I can say that my mileage can vary by as much as 4 miles to the gallon based on where I get my gas.  So I pay more to go to those stations that consistently have provided me good gasoline.  However higher prices do not necessarily mean better gas.  We have a BP just down the street that seems to have bad gas while one about a half a mile away that I prefer because I have never had a bad tank of gas.  Both are priced about the same. Also some localities have special tax zones.  These are local taxes levied based on the location.  We have 4 different zones here in Peoria IL (150k pop).  That does not take into account the smaller cities around us.


Yes that is the case for the public company approach, but I was referring to the transaction approach:   Firm A and Firm B both have $100 in EBITDA. Firm A has $50 in cash, Firm B has $100 in cash.  Firm A sells for $500, Firm B sells for $600.  If we didn't subtract cash before calculating the multiple: Firm A: 5x Firm B: 6x  If we DO subtract cash before calculating the multiple: Firm A: 4.5x Firm B: 5x  So yea, subtracting cash does skew the multiple.


"The price movements of Bitcoin are actually cogent in at least one sense:  Why in the world would somebody use bitcoin right now to buy anything?  That $100 item you bought today represents (to most) a huge opportunity cost as far as ""missed returns in the future"" go.  It's basically a dollar-deflationary cycle, which we know to be corrosive to an economy:  You don't buy today what you expect to be cheaper tomorrow.  That's highly problematic for bitcoin as far as business adoption is concerned."


"I work for 15 years now for the same company and I have no fear about my career or finding a job, even when I am in my 50s.  Why? Because I am an expert in a narrow field and have skills TO DO something. I am a techie. But I am a techie in a field that is not changing much and I keep updating myself. I also ignore what my boss tells me to do, and I always go into areas or develop areas that I think have potential for the future.  It's very important to pick a field that is not changing much and you think there will always be a demand for it.  I hope my son will become a doctor, or a techie like me.  In the last 25+ years of my employment, I saw many people let go. They were all ""paper pushers""."


I'd love to do something in the style of Nassim Taleb (fat tails, black swan events, and so forth)  He's a mathematical geniues, despite his controversial personality.  How useless is the VaR as a risk management tool would be a great topic.  Or something regarding policy/regulation (hot topic now).


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Perhaps you should use your own tracking software, such as GnuCash, Quicken, Mint, or even Excel.  The latter would work given you say you're manually putting in your transactions.   There's lots of pre-done spreadsheets for tracking investments if you look around.    I'm hoping that a web search gets you help on migrating transaction data, but I've yet to run into any tools to do the export and import beyond a manual effort.  Then again, I haven't checked for this lately. Not sure about your other questions, but I'd recommend you edit the question to only contain what you're asking about in the subject.


A budget is a plan for spending money in the future. Tracking spending is only looking at what happened in the past.  Many people only track their spending, a proper budget can be key to achieving financial goals. You might earn enough and not spend frivolously enough that you aren't hamstrung by lack of a budget, but if you have specific financial goals, odds are you'll be more successful at achieving them by budgeting rather than only tracking spending.  I'm a fan of zero-sum budgets, where every dollar is allocated to a specific bucket ahead of time. Here's a good write-up on zero-sum budgets: How and Why to Use a Zero-Sum Budget


Short answer: Structural decline in banking revenue and margins.  Longer answer: A combination of regulation and technology has slowly eroded the profitability of banks, just look at historic ROEs. This has been exacerbated by low interest rates which has compressed banking margins via lower interest revenue, particularly affecting Swiss and German banks. Bottom line, investment banking is not as profitable as it was and is likely to become less profitable going forward.


"last day of the month is a ""seasonality test' ?  what do you mean by "" Is there an actual relationship or are you uncovering a relationship of noise?""  what would you recommend me doing now ?  what numbers are you interested in seeing to further investigate such strategy ?"


>It will be painful for the world, but not in the same way that the Western financial crisis of '08 was painful. This will mostly hurt China, as well as western companies whose marginal revenue and growth is dependent upon Chinese business.  In other words, what goes around comes around.