"Right... so the fundamental question is if the roll-over cessation will cause short term interest rates to decouple from the Fed's say-so.  This is otherwise known as a bond auction failure.  The fed wants the treasury debt off their books, but they don't want to raise interest rates to make that happen.  So, they're going to experiment with uptake outside of the Fed to see if they can ""boil the frog"".  If the frog starts to squirm, I guarantee you that they're going to take the pot off the burner.  At their the proposed roll-over suspension rate, it'll take approximately 12 to 16 years to to get that two trillion off their books... and that assumes that nothing bad happens during that time.  > Do you know of any good writeups that would back your side?  The closest you're going to find would be anything written about the JCB post 1995... but it looks like their program of direct stock market participation (technically, they're using ETFs, probably for financial cryptography purposes) [began in earnest in 2010](https://www.bloomberg.com/news/articles/2017-07-19/japan-bourse-head-turns-surprise-critic-of-kuroda-etf-purchases)  [this piece ](https://blog.kurtosys.com/central-banks-unthinkable-buying-stocks/) indicates that the Japanese aren't the only ones doing this.  England, The Swiss and even the EU is doing the same thing across multiple exchanges.  As the article points out, there's a two pronged effect of suppressing FX stock price correlations (strengthening or weakening of currencies raising or lowering stocks listed on associated bourses) and reducing volatility through market intervention (AKA plunge protection teams).   They also reference an Investco survey of  central bank reserve managers."


Yes, you can. A friend of mine once did, don't know the reason why he was so foolish and couldn't use the debit card instead. I think maybe out of curiosity or he was drunk. But I know the consequences, the bank people asked him to pay all the previous debts relating to the card the same day or he was going to be paying alot of interest to them as a penalty. So, he did pay all the debts the same night.


What exactly does Russia get from us, if anything, that they can't get somewhere else? And if they get something I guarantee Putin has found a substitute source. He knows if you can't keep bellys full he will have a revolution on his hands.  IMHO this is not as bad as the media wants you to believe.


"Man, it's amazing when someone so blatantly telegraphs that they have no idea what they are talking about. ""I'm not even going to bother"" is such an obvious copout. If you really weren't going to bother you wouldn't even post, you would just move on. Instead you are compelled to post but have absolutely nothing to counter the argument with.  What incentivizes a person to post and dispute someone when they know full well that they are too ignorant to actually argue or articulate a point? I would love to understand how your mind works."


If your planning on shorting the stocks be careful, while the value of the retail sector may be declining there will be a lot of back and forth over the next ten years, and as REITs discounts to nav increases, there is huge opportunities for buyouts from developers who have other use ideas for the real estate. The real estate will always have value, even if it's not as a shopping center.


Square does not care if you run a $10 transaction to test the system. They are concerned with its use to move meaningful amounts of money.    The only people who do this will be the Dunning-Kruger gang, who only think they are clever.  Because of course Square will hunt them down, sue, garnish and/or prosecute them!  But the expense of doing so is all on Square, making it a total lose.  The cheapest resolution is to not let it happen in the first place.   The ~3% cash advance fees, lack of rewards points, and the higher interest rate are not just for profiteering.  They reflect, and pay for, the higher risk of loaning money via cash advance: to put it indelicately, the risk of default.   Cash advance credit limits are often much lower than purchase limits.   If a merchant is selling himself phantom merchandise to get easy cash advances, it means he is not using regular ways of borrowing money.  Perhaps because he can't, because he has exhausted his other opportunities to borrow, risk managers have cut him off.  Square has no reason to care either way; but the issuing bank does, and through Visa etc., they will disallow this behavior.   **  PayPal Here's rate used here instead of Square's, to simplify math.


A couple ways, but its not a guarantee.  You have to have special charts. Instead of each tick being 1 min, 5 min, or whatever, it is a set number of trades. Say 2000. Since retail investors only buy and sell in small amounts, there will be small volume per tick. An institutional investor, however, would have a much much higher trade lot size, even if using an algo. Thus, large volume spikes in such a chart would signal institutional activity over retail. Similarly, daily charts showing average trade size can help you pick out when institutional activity is highest, as they have much larger trade sizes. You could also learn how the algos work and look for evidence one is being used. ie every time price hits VWAP a large sell order goes through would indicate an institutional investor is selling, especially if it happens multiple times in a row.


A few reasons make sense: They have a defined process for rentals, risk assessment, and customer credit. Especially for a large corporation, making changes to that process is not trivial, adds risk/uncertainty, and will be costly. Such changes for a relatively small customer base might not makes sense. Many rental companies DO allow you to rent with a debit card. Why do some businesses take cash only?  With a debit card, there is no third party guarantee. With a credit card, the cash is coming from a well-established third party who will pay (assuming no disputes) and has a well-established history of paying. Even if the merchant holds your account, it is still your cash under the control of you and your bank until the deposit clears the merchants bank. It is not surprising they view that as more risk and potentially not worth hassling with debit.


Pro's  Right now your electricity is charged based on how ComEd projects you to have used it.  So you probably get charged for daytime electricity that you are actually using at night. At night the demand is lower so the cost of electricity is lower. ComEd will be able to better predict usage and plan outages/maintenance during times that are of lower impact. (Less inconvient outages for you) ComEd will better be able to see spikes in usage that trip and cause black and brown outs.  This will allow them to make adjustments to reduce the impacts of these and possibly avoid some altogether. (Less chance of having to deal with hours of stifling heat with no AC or fan) ComEd will be able to invest in equipment to more accurately meet their needs instead of trying to guess what it needs.  This should make your power more reliable, and cost less. This technology has just started to be exploited.  I look for this to be like the cell phone.  New devices that will leverage the technology could revolutionize your home. CONS Companies do not like to surrender revenue.  Look for an increase in cost for lower peak times (if they can get it through CUB)  Quite a bit can be deducted from your energy use at the level they will report at.  In addition this technology has potential to be like a cell phone added ability to help and to collect information. It is not well tested in wide distribution.  There are quite a few unknown risks.


"You sound like a savvy consumer of currencies!  ;)  You should put your insights and skepticism to use, and publish a ""currency review"" to help people decide which currencies are safest to save in.  You could also create your own currency, and assure investors that they are entitled to exchange it for a fixed amount of a commodity at any time, for instance gasoline or wheat.  >I see no reason to expect bodies with shorter term interests would do a better job.  Competition."


Currencies are a zero-sum game. If you make money, someone else will lose it. Because bank notes sitting in a pile don't create anything useful. But shares in companies are different, because companies actually do useful things and make money, so it's possible for all investors to make money. The best way to benefit is generally to put your money into a low-cost index fund and then forget about it for at least five years.


"As someone who works in tech and has seen a thing or two, the fallacy of moving to college towns to foster innovation is a farce. The whole reason businesses do this is to get an endless supply of cheap labor from new graduates who don't have families, thus will work nights and weekends for free to make a name for themselves. Once those kids wise up and maybe want to start a family, they move to suburbs away from these college towns and leave those companies which leads to high attrition rates for mid level employees. This also leads to inferior products from a ""high technology"" standpoint because of lack of senior mentors and you end up with shit projects just slapped together that just barely work. Would you want your GE jet engines designed on the cheap by recent graduates or disciplined engineers? I'm not saying it's a bad business decision, it is totally valid and smart for some markets, but it seems like GE has their hands in important technology that shouldn't be designed like this. If they want to reinvent themselves why not make a Boston technology center for innovation, not move their whole business? It just didn't make sense."


There are different types of businesses, Microsoft is a public corporation which means it is owed by shareholders, not bill gates himself. The money Bill Gates has is not all cash, it is valued by the stock he owns in different companies.  Other businesses may be limited liability meaning the owner may not be liable for losses on the business, but the money earned by the business is kept for business use only.


In many cities, you'll die, or just shit your pants every day on your ride to work, or just not get to work if there's a freeway on your route.  At the very least, you'll need to budget a replacement bike every few weeks when it gets stolen.


"Stock returns cannot be evaluated on its own. You need to take into account inflation and the return of other investment vehicles. Over the long run, you want to earn more than your peers (ie inflation), or lose less than them. Stock lets you buy into the profits of a company managed by others. So the fundamental question is ""do those company managers make better decision than average person?"" Of course there are times when they make awful decisions (eg just before dotcom bubble), and sometimes the best decision is to close the business. But overall those people are much better educated, have higher IQ, more resourceful, etc, and so over long time and across all the companies, this is correct and hence the stock market premium."


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how do these margins vary over time Depends on a lot of factors. The bank's financial health, bank's ongoing business activities, profits generated from it's other businesses. If it is new to mortgages, it mightn't take a bigger margin to grow its business. If it is in the business for long, it might not be ready to tweak it down. If the housing market is down, they might lower their margin's to make lending attractive. If their competitors are lowering their margins, the bank in question might also. Do they rise when the base rate rises, or fall, or are they uncorrelated? When rates rise(money is being sucked out to curb spending), large amount of spending decreases. So you can imagine margins will need to decrease to keep the mortgage lending at previous levels. Would economic growth drive them up or down? Economic growth might make them go up. Like in case 1, base rates are low -> people are spending(chances are inflation will be high) -> margins will be higher(but real value of money will be dependent on inflation)  Is there any kind of empirical or theoretical basis to guess at their movement? Get a basic text book on macroeconomics, the rates and inflation portion will be there. How the rates influence the money supply and all. It will much more sense. But the answer will encompass a mixture of all conditions and not a single one in isolation. So there isn't a definitive answer.  This might give you an idea of how it works. It is for variable mortgage but should be more or less near to what you desire.


The era ended a long time ago.  Sears effectively carried less and less quality merchandise and consistently more garbage year over year for nearly 15 years.  The local Sears here was a constant clearance sale of lousy brand clothing and a hodge lodge of things typically done far better elsewhere.  Their television department had a selection of 6 TVs to Best Buy's 80; their lingerie department was a few random shelves mixed into heaps of their low quality house brand Jessica products and a bizarre amount of real estate committed to Vanity Fair nylon briefs that haven't been in style since '53; their tools were a random mix of shop, yard and household standards available in more orderly arrangement from any genuine home or hardware outlet; and their men's suits were 8 racks with one brand name offering and a sprinkling of hideously ugly, ill-conceived, and off-trend coloured garbage in fabrics akin to cardboard.  In short, Sears had turned into a dump.


and this is a sure sign that their advice is worthless..  if their research was worth the paper that it is written on, they would be using that research to make money trading, instead of trying to sell their research to their clients.  how many times have we said that traders that can trade will trade, but that traders that can not trade, they will teach.  and the fact that they are charging so much for their research should be a sign or an indication that there is perhaps a sense of desperation in this organization to quickly raise some money quickly and desperately.  people that dont really know where the treasure is buried at will sell treasure maps..  people that do know where the treasure is buried will dig for buried treasure.


I guess my point of view is that if domain seizing becomes a very prominent thing than proxies become a prominent thing amongst piraters - not that they already aren't, but I'm of the belief that whatever technology legislators embrace for combating piracy, pirates embrace an equally effective converse technology.   As usual there will be a lot of unsuspecting American citizens hurt by SOPA but eventually the people who have made torrents successful for the average Internet user will be able to make proxies, hidden downloads, and mirrors extremely user-friendly and easy-to-use for the public. As far as I'm concerned combatting piracy through legislation rather than business practices is opening pandora's box.   Right now it's possible to make your ISP see nothing but bandwidth, it's difficult to set-up, and a pain to maintain, but if content providers want to wage war, they should be prepared to lose, and lose hard.


Generally not, however some brokers may allow it. My previous CFD Broker - CMC Markets, used to allow you to adjust the leverage from the maximum allowed for that stock (say 5%) to 100% of your own money before you place a trade. So obviously if you set it at 100% you pay no interest on holding open long positions overnight. If you can't find a broker that allows this (as I don't think there would be too many around), you can always trade within your account size. For example, if you have an account size of $20,000 then you only take out trades that have a face value up to the $20,000. When you become more experienced and confident you can increase this to 2 or 3 time your account size. Maybe, if you are just starting out, you should first open a virtual account to test your strategies out and get used to using leverage. You should put together a trading plan with position sizing and risk management before starting real trading, and you can test these in your virtual trading before putting real money on the table. Also, if you want to avoid leverage when first starting out, you could always start trading the underlying without any leverage, but you should still have a trading plan in place first.


They have improved.  I can't get past the time I was in an aisle and this buzzer went off.  I look over and a monitor with me in the corner and a guy at a multi monitor security setup was there.  The screen said I'm being watched.  I said fuck this and never went back.  I like Menards and around here, Fleet Farm


The company that sold of the debt, does write off the loan [and books loss on balance sheet]. Depending on the Company's policy the amount written of as loss varies. Some Companies only show loss on Principal for the outstanding period [The interest income and charges is not booked]. Some companies would show loss on Principal and the accrued unpaid interest ... So if the total outstanding is say 10,000 and it was sold to collector at say 3,000/- the balance 7,000 is written off as loss. There are multiple reasons, one they don't have time or there are only few cases. But most of the times when on initial delay in payment, it goes to a collection agency for follow-up [and the loan is not actually sold]. The agency gets a commission [around 10-15%] for every successful payment they recover.... its only after some period it actually gets sold completely to the agency for a heavy discount price. Often at 10% the actual value. The collection agency works on threat technique, if they get 50% of face value, they may loss that threat perception and everyone would not pay even if they can ... so it makes more sense for them to get 200% of face value [added interest, charges and other stuff] from one customer rather than get 50% from 4 customers ...


"They are under the radar, but are very strong in Europe and Asia. Deal size will be middle market transactions in North America, a stark contrast to its accounting clients.   The good: -established pipeline from accounting and consulting partners & contacts -much better work life balance than most IBs, no 100 hour weeks -widely known name brand -experience working on more than straight forward sell side deals; people underestimate the knowledge and skills you learn through being involved in turnarounds, refinancings, buy side advisory, etc.  Cons: -exit opportunities are more limited -pay will be below street -partner ""buy in"" can be incredibly frustrating  I will say that generally KPMG prefers CPAs (even for non-accounting positions) and requires 3-4 years of experience. But, considering you have the interview, they felt you were worth talking with."


Epistemology is not an alternative to empiricism, it's the field to which it belongs. Empiricism is the basis of science, and the alternative to rationalism. This distinction is very old, and remains an open question.  If you're not going to actually take the time to read my arguments, and consider them honestly why bother responding?  This dialogue has ceased to be enjoyable. Good day.


As DJClayworth said, be very careful with this one!   The property is a residence, not a business location.  Given that, it is almost a certainty that the IRS is not going to let you claim 100% of the expenses for the home as a business expense, even if nobody's actually living there.   You may get away with doing this for a period of time and not run into zoning or other issues such as those DJ mentioned, but it's like begging for trouble.  You run the very real risk of being audited if you try to do what you're proposing, and rest assured, whatever you saved in taxes will disappear like smoke in the wind under an audit. That being said, there's no reason you can't call a tax service and ask a simple question, because in answering it they're going to hope to gain your business.  It'd be well worth the phone call before you land yourself in any hot water with the IRS.  I can tell you that I'd rather have a double root canal with no anesthetic than go through an audit, even when I didn't do anything wrong! (grin) Good luck!


First, realize that Wikipedia is written by individuals, just like this board has thousands of members. The two definition were written and edited by different people, most likely.  Think Venn diagram.  The definition for financial instruments claims that it's the larger set, and securities is contained in a subset.  Comparing the two, it seems pretty consistent.  Yes, Securities include derivatives.  Transferable is close to tradable, although to me tradable implies a market as compared to private transfers.  I don't believe there's an opposite, per se, but there's 'other stuff.' My house has value, but is not a security. My coffee cup has no value. Back to the concept of Venn. There aren't really opposites, just items falling outside the set we're discussing.  I'd caution, this is a semantic exercise. If you know what you're buying, a stock, a bond, a gold bar, etc, whether it's a financial instrument or security doesn't matter to you.


Walmart just installed all new self checkout with belts for bigger shopping away from the regular self check out at the store near me. It sounds absurd that your local grocer couldn't sort out oversight. Or like Walmart they check receipts like Sam's now.


BA though, not BS so you don't have college calculus training?  It's good to get some STEM training even if you don't end up working directly developing technological products.  Quantitative analysis as a coder might be feasible.  I advise you to attempt to get those types of interviews.  Learn where you may fall short, and bone up on those areas either formally or informally and keep interviewing.    I tutored one student through an Executive MBA at Wharton, and that prepared him to expand his business.  And he met several influential people who could help him.  The price was out there... $150,000 over two years of weekends.  but I don't know where you are located.  That kind of training opens doors to top level firms.  I got an MBA myself back in the day, and I got several finance interviews.  I found financial people compromised ethically even from just the interviewing process.   I decided to go into business for myself however as an IT shop.


"Even though you will meet the physical presence test, you cannot claim the FEIE because your tax home will remain the US. From the IRS: Your tax home is the general area of your main place of business, employment, or post of duty, regardless of where you maintain your family home. Your tax home is the place where you are permanently or indefinitely engaged to work as an employee or self-employed individual. Having a ""tax home"" in a given location does not necessarily mean that the given location is your residence or domicile for tax purposes.   ...   You are not considered to have a tax home in a foreign country for any period in which your abode is in the United States. However, your abode is not necessarily in the United States while you are temporarily in the United States. Your abode is also not necessarily in the United States merely because you maintain a dwelling in the United States, whether or not your spouse or dependents use the dwelling.   ...   The location of your tax home often depends on whether your assignment is temporary or indefinite. If you are temporarily absent from your tax home in the United States on business, you may be able to deduct your away from home expenses (for travel, meals, and lodging) but you would not qualify for the foreign earned income exclusion. If your new work assignment is for an indefinite period, your new place of employment becomes your tax home, and you would not be able to deduct any of the related expenses that you have in the general area of this new work assignment. If your new tax home is in a foreign country and you meet the other requirements, your earnings may qualify for the foreign earned income exclusion.   If you expect your employment away from home in a single location to last, and it does last, for 1 year or less, it is temporary unless facts and circumstances indicate otherwise. If you expect it to last for more than 1 year, it is indefinite.   If you expect your employment to last for 1 year or less, but at some later date you expect it to last longer than 1 year, it is temporary (in the absence of facts and circumstances indicating otherwise) until your expectation changes. For guidance on how to determine your tax home refer to Revenue Ruling 93-86. Your main place of business is in the US and this will not change, because your business isn't relocating. If you are intending to work remotely while you are abroad, you should get educated on the relevant laws on where you are going. Most countries don't take kindly to unauthorized work being performed by foreign visitors. And yes, even though you aren't generating income or involving anyone in their country, the authorities still well may disapprove of your working. My answer to a very similar question on Expatriates."


One way of looking at it is that your equity in your house is an investment in a particular class of asset, and investing further in that asset class may drive you away from, rather than towards, your preferred asset mix. It's pretty common here in New Zealand for people's only investments to be their homes and rental properties. I wish those people luck when our current property boom ends.


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why did you link a document on government labor? do you think amazon is a public employer?   when discussing what auto companies are or are not building in michigan, i think you will find that they are building tech, digital, and other white collar investments here. very similar to the focus of this thread.


"This is the best tl;dr I could make, [original](https://www.vox.com/policy-and-politics/2017/2/28/14359140/chetty-friedman-college-mobility) reduced by 95%. (I'm a bot) ***** > There are the highly effective schools that barely enroll any poor kids but do tons for the few they do have, and the highly ineffective schools that enroll a lot of poor kids but offer them little.  > That&#039;s part of what makes this research so exciting: It lets us distinguish between high-performing and low-performing schools, but it also creates an agenda for follow-up research seeking to identify what makes, say, the Technical Career Institutes in New York so much more effective than Moultrie Technical College at making poor students substantially better off.  > The authors examined schools where the share of poor kids enrolled rose over time, and checked to see if they became less successful at elevating those kids economically.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6yzw3z/these_colleges_are_better_than_harvard_at_making/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~206881 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*: **school**^#1 **student**^#2 **percent**^#3 **top**^#4 **poor**^#5"


"You keep moving your target. First it's no value, then it's diminishing returns.  Look, at the end of the day, you're one of the classic drive by's who is upset at ""Big HFT""^TM for no discernible reason. You are incapable of expressing what it is that they are quantifiably doing that has caused you so much harm that hearing about their failings brings an emotional response in you. You should really evaluate why you attach so much emotion to some distant players who by your own statements may contribute value and appear to have no significant direct impact on you.  The are participants in a market doing what all participants in a market try to do, find some characteristic and exploit it, and occasionally overstepping and finding that knowledge, technology, human capital or some other aspect is not yet sufficient to survive in the new conditions. That's literally what every sector, market and human venture is doing en masse. Expanding to the limits and trying to push past those."


"> It's not like anti-vaccine movement where their lies are actually causing death and disease.  I'm not so sure that is true.  Every day there are parents spending money on ""alternative healing"" for their children.  That is money not being spent on real health.  Every dollar spent on placebo is a dollar not availiable for regular doctor's visits, medication, healthy food and emergency funds."


What happened is that they do not track (and report) your original cost basis for 1099-B purposes. That is because it is an RSU. Instead, they just reported gross proceeds ($5200) and $0 for everything else. On your Schedule D you adjust the basis to the correct one, and as a comment you add that it was reported on W2 of the previous year. You then report the correct $1200 gain. You keep the documentation you have to back this up in case of questions (which shouldn't happen, since it will match what was indeed reported on your W2).


"This is the best tl;dr I could make, [original](http://billmoyers.com/story/ironworker-running-to-unseat-paul-ryan/) reduced by 96%. (I'm a bot) ***** > All I&#039;m trying to do is raise enough money to get my message to people in the first district so they know that there&#039;s somebody like them as an alternative to Paul Ryan.  > Paul Ryan is speaker of the House, but he hasn&#039;t been speaking on behalf of working people&#039;s houses.  > RB: I&#039;ve already had people, like in the grocery store, who are Republican-leaning voters who know I&#039;ll talk to them - we have stuff in common - come up and say, &quot;Hey, I hear you&#039;re running against Paul Ryan; I think that&#039;s great.&quot; We even had some union members who voted for Trump.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6k8ih2/the_ironworker_running_to_unseat_paul_ryan_wants/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~155283 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*: **people**^#1 **work**^#2 **JL**^#3 **vote**^#4 **district**^#5"


"Your post has some assumptions that are not, or may not be true. For one the assumption is that you have to wait 7 years after you settle your debts to buy a home.  That is not the case.  For some people (me included) settling an charged off debt was part of my mortgage application process.  It was a small debt that a doctor's office claimed I owed, but I didn't.  The mortgage company told me, settling the debt was ""the cost of doing business"".  Settling your debts can be looked as favorable. Option 1, in my opinion is akin to stealing.  You borrowed the money and you are seeking to game the system by not paying your debts.  Would you want someone to do that to you?  IIRC the debt can be sold to another company, and the time period is refreshed and can stay on your credit report for beyond the 7 years.  I could be wrong, but I feel like there is a way for potential lenders to see unresolved accounts well beyond specified time periods.  After all, the lenders are the credit reporting agencies customers and they seek to provide the most accurate view of a potential lender.  With 20K of unresolved CC debt they should point that out to their customers. Option 2:  Do you have 20K?  I'd still seek to settle, you do not have to wait 7 years.   Your home may not appreciate in 2 years.  In my own case my home has appricated very little in the 11 years that I have owned it.  Many people have learned the hard way that homes do not necessarily increase in value.   It is very possible that you may have a net loss in equity in two years.  Repairs or improvements can evaporate the small amount of equity that is achieved over two years with a 30 year mortgage.   I would hope that you pause a bit at the fact that you defaulted on 20K in debt.  That is a lot of money.  Although it is a lot, it is a small amount in comparison to the cost and maintenance of a home.  Are you prepared to handle such a responsibility?  What has changed in your personality since the 20K default?  The tone of your posts suggests you are headed for the same sort of calamity. This is far more than a numbers game it is behavioral."


"I would call the bank and ask how the person is on the account.   If they are an owner, or are an authorized user, or what type of owner they are, etc.    If the bank makes the distinction between ""user"" and ""owner"" then most likely, your funds are not able to be seized.  If they are a joint owner, then, typically, 100% of the money is yours and 100% of the money is theirs and either of you could withdraw all the money, close the account, or have the money seized as part of a legal action."


You probably will not find to many places if any that give you live quotes on options because for the general public there is not that high of a demand. Most people do not even know what stock options are.  You can get update on some sites like CNBC, but you will have refresh constantly to get the latest option prices.  You can also try an online broker, most of whom will let you have access to their tools and quotes if you sign up for an account. Some require a deposit before you can access those tools and some don't. Personally, I use TD Ameritrade and I do not believe they require a deposit to use their tools, but don't quote me on that.


Yeah sure.  After Brexit the UK will be so desperate to save its economy that they WILL accept chlorinated chicken and all other American demands because they will have no other choice than accepting them. The UK has nothing to offer in negotiations, they will be a sitting duck.  In a few years the UK will surpass Greece as a needy country. That Brexit will be the nail in their coffin.


> With 400,000 reservations in hand, Tesla says it will be cranking out 5,000 Model 3 sedans a week by the end of this year.  WTF?  at that pace (**IF** they make and sustain it) means **80 weeks** to fill orders.  this is good news?


When over the long term housing costs in a area rise faster than wages rise, the demographic of who lives in the area changes. The size and income parameters change. A region that was full of young singles is now populated with couples with adult children, that means that the businesses and amenities have to change. At a national level it isn't sustainable unless other items change. The portion of monthly income that can be safely allocated to housing would have to change. One adjustment could be the the lengthening of home loan periods, thus dropping the monthly payment.  This has been seen with car loans, over the last few decades the length of loans has increased. In interesting related event could be the change in deduction of mortgage interest and property tax. If this was to change abruptly, there could be an abrupt change the estimated value of housing, because the calculus of affordability would change.


- it devistates you're credit record (good luck getting even a car loan)  - rents are artificially high due to the foreclosure backlog and those who haven't let go yet, so there might not be any relief by defaulting  - they will be prohibited from buying another house for at least 7 years  - it is very possible that they will be pursued by the banks in court for years to come and may end up having tax refunds and pay checks garnished for decades to come (again impacting their ability to obtain loans or get credit), effectively turning them into renters for the remainder of their working life.


Vegan here. That movie was bias as hell. There are plenty of other good ones that will do better job of convincing you. Also good for you for doing something about it. Veganisn does make u feel better. Love you (we are a very inclusive bunch)


It's just possible that if you have your home appraised (probable cost a few hundred $), and the value is sufficiently higher than what the mortgage company is owed, that they will let this slide, since they are covered. Many banks, at least, allow secured lines of credit against the equity in your home, and allow the amount of the loan to increase if/as the value of the property goes up and your equity increases. However, I'd run this by the mortgage company before investing in the appraisal, since they may not be as flexible this way as the banks I've dealt with, and in any case it's a gamble unless you are certain of the value of your property.


It has to do with the mindset that many in this demographic have.  The feeling that they don't need to be courteous to others and that everyone should move around them... Even if the space they're currently occupying happens to be in the middle of the road.


They will credit your account and it will be applied to future purchases. If the credit card is not used for several months, they will send you a check or transfer it to your bank account. Some people on this site have actually considered sending money to the credit card company in advance, so that the amount that can be charged is temporarily inflated. Keep in mind they will eventually refund the money. Plus you will not earn interest on the refund.


what is the mechanism by which they   make money on the funds that I have in   my account? Risk drives TD Ameritrade to look for profits, Turukawa's storytelling about 100,000$ and 500$ is trivial. The risk consists of credit risk, asset-liability risk and profit risk. The third, based on Pareto Principle, explains the loss-harvesting. The pareto distribution is used in all kind of decentralized systems such as Web, business and -- if I am not totally wrong -- the profit risk is a thing that some authorities require firms to investigate, hopefully someone could explain you more about it. You can visualize the distribution with rpareto(n, shape, scale) in R Statistics -program (free). Wikipedia's a bit populist description: In the financial services industry,   this concept is known as profit risk,   where 20% or fewer of a company's   customers are generating positive   income while 80% or more are costing   the company money. Read more about it here and about the risk here.


Cant tell if sarcasm but between two employees where one has a cellphone and one dosnt (or only intermittently) who are you going to rely on. That being said it's cheap as fuck to afford a basic ass cellphone.


Are you looking for this Warren Buffets Stock Portfolio? Or Berkshire Hathaway Portfolio WFC is near the bottom of the BH portfolio but it seems to be a rather large investment for both.


She was Google's first product manager.  Because there was nobody else standing around.  She's not brilliant, she won a lottery.  I've met her.  She's basically a professional cheerleader.  Not a visionary.  If I had the reigns of Yahoo, I would have focused on what people still go to Yahoo for - their financials.   I would have built that into a major destination for investors and parlayed that into a key news hub.  Instead she fucked around with blogs, acquisitions (Fiorina style), and stupid micromanaged policies.  Zero respect. She should retire, enjoy her good fortune, and never bother the tech world again.


are you being sarcastic?  for some reason I'm reading your posts that way but I'm entirely serious, as someone who works in a Chinese company... its a major priority to keep our R&D and code/other developments completely under wraps


You won't be using my SQL. It probably lists Oracle because that's the ERP system the company uses, and it'd be good for the FP&A guy to be familiar with the system. Be an expert in Excel, you will probably be using it the majority of your workday.


Enjoy the free trades as long as they last, and take advantage of it since this is no longer functionally a tax on your potential profits.  On a side note, RobinHood and others in the past have roped customers in with low-to-zero fee trades before changing the business paradigm completely or ceasing operations. All brokers could be charging LESS fees than they do, but they get charged fees by the exchanges, and will eventually pass this down to the customer in some way or go bankrupt.


If you have no need for the money. Donate it. Spend the next few years determining what charities make sense and then when the wills are settled, then make those donations. You should get advice how how to best do that, there can be some limitations and complications. Sometimes the source of the money/property makes it more complicated. The form of the inheritance can also make a difference.  You could even setup a charitable trust to spread the donations out over year or decade. You could even make it so that you can live off the interest until you die, and then the rest goes to the charity. Note: just because they have no other children, there is no guarantee that you will receive the money/property. They, at any time, could write a will and cut you out of some, most , or all of the wealth.


Amazon is great for items with little manufacturing variances. For items with large manufacturing variances such as clothing, produces, etc, its logistic system doesnt work well.    Yes, w/ a grocery chain acquisition it will solve a lot of the problem. No, Amazon Go store is still very conceptual and doesnt work for grocery shoppers behaviorally. It wont change even for kids once they start learning how to pick the right fruits, vaggies, etc.  p.s., you could pick up shipment from Amazon Lockers which is pretty abundant around areas w/ a Whole Foods store.


Which side of the bed did you sleep on? Did you have to change the sheets if you'd recently had sex with someone in that bed? Did she eat breakfast in the mornings? Did anyone every notice and/or question this arrangement? Did she ever snore? Did you ever snore? Who fell asleep first? Was she ever big spoon? Did you guys ever sleep face-to-face? What happened when you finally did get into a new relationship?


Hence new employer pays a part of the salary as per diem compensation   along with regular salary and says that per-diem compensation is   non-taxable. Per-diem is not taxable. But that is not what you're describing. It appears that either you or the prospective employer, misunderstood what per-diem is. As per US law is it legally allowed non taxable per diem compensation   to employees? Yes. What are the pros and cons of having per diem compensation? Per-diem is not compensation. It is not part of your salary. It is not part of your employment contract. If I have to report my salary to any one like banks, insurance   companies, do I need to include Per diem compensation or not? No, because it is not compensation. Back to the first item: Per-diem is paid to you during business trips when you're away from your (tax) home. It is not part of your compensation, and is only allowed for business trips. Contract work on site for any prolonged period of time (1 year or more, as a definitive rule, but can be less) is not a business trip. For that period of time your tax home becomes that location, so you're not away. You're home. You should discuss it with a licensed tax adviser (EA/CPA licensed in your State), but it seems to me that either you misunderstood something, or your prospective employer is trying to evade taxes (both yours and his) by disguising part of your compensation as per-diem. It is very likely that when you get caught, the employer will just issue you 1099 on the amounts and leave you hanging.


Placebo effect still works when it's know that the subject is taking a placebo in self reporting situations.  Those people who would benefit can still benefit and the rest can be spared from wasting their money on a bunch of bullshit.     At a minimum, everyone deserves to be able to make their own decisions based on truths, not woo woo marketing.  Also, some of this stuff she's promoting can have adverse side effects.  It's not really an innocent thing that she's doing here.   http://www.health.harvard.edu/blog/placebo-can-work-even-know-placebo-201607079926


Up until now I was looking at general European market and then dividing it up by sectors, but a country-specific distribution would also be a possibility, but I am afraid that the amount of work required to divide things up that much might be too much. Then again, it honestly might not. It could very well be that I'll come across this information during my research and if that's the case, it would certainly be worth incorporating into my paper.   My intention is to take pieces of my thesis and turn them into separate specials for my employer to publish if my employer allows me to work on my thesis at work over the summer. We'll see. Hoping to be done by the end of September, so we'll see. I'll certainly be sure to keep the subreddit posted. My thesis will also certainly make it over to my [Scribd](http://www.scribd.com/dwietstruk).


Future job offers can go up or down depending on your disclosure, people can interpret it as bragging... maybe you could just use a percentage?


Is there a better vehicle for this than an index fund?  Seems like a good choice to me, unless you want to protect it from market risk since it's in essence an emergency fund, in which case maybe you'd want to keep some of it in CD's. Are significant downsides to keeping the money in our name until he needs it?  The main downside would be if you had need to dole out more than the maximum annual gift exclusion amount in a single year (currently $14,000), you'd have to report it as a taxable gift on your tax return and it'd count toward your lifetime gift exclusion. You and your wife can each give a gift, and if your brother were married you and your wife could each give to both he and his spouse, so 2-4x the annual gift limit before this becomes an issue. Additionally you can pay medical/education expenses directly and that is not counted toward the annual exclusion. Are there any other considerations that we are overlooking? There's always a risk that gift-giving can create expectation and/or resentment. I'd think you'd want to make instances of giving not sound like something you planned for, but something you are sacrificing for. Not sure what the best strategy is there, every family is different when it comes to dealing with finances.


"Paying off a loan early isn't a bad thing.  Having a credit card for 6 months and then closing it is probably unneeded; pay it off and then keep it as an emergency card.   The key is debt:available credit ratio.  Look at this article for example which explains the different elements; the only one you're affecting here is the second, your debt load.  If you're not planning on asking for another loan in the next six months, none of this really matters - assuming you are paying it off for sure, in six months, your debt will be gone and your credit score recovered from any hit it takes (and if you get a $1500 credit card and only put $300 on it, it might actually improve your credit). But having an open $1500 credit card with a 0 balance will probably improve your credit rating, unless you have a really high amount of available credit.  It will improve your debt/credit ratio (ie, total $ you owe divided by total $ you could put on your CCs/revolving credit). This is all aside from the ""is it a good idea to borrow money for a 3 month vacation before starting working"", which the answer is ""Well, not exactly"".  That's not from a credit perspective, just from a living within your means perspective.  If you have a firm job that will easily pay off the vacation, it's probably not a bad thing, but definitely a certain number of people will take this and end up in 'spending bad habits' that last their life.  Be aware of that, and if you're just loaning yourself money from the future, make sure you understand the terms of that loan... and are certain you can pay it off."


Zoopla may not always accurately reflect the market price. Your best bet is to get a quote for local registered) letting agents. That way you know you are close to the real market value. Also, these quotes may come into handy if you have a mortgage on the property. Since most banks will require you to provide proof of rent figures you are projecting by sending in official quotes. Hope this helps..


I read an article recently that talked about how there are kind of two camps in autonomous driving: the slow progress and the giant leap (made these names up). The giant leap advocates say that continuing to add features won't get you to full autonomy because at the end, you still have to take that leap. With your description, if the political environment prevents the leap, it's not hard to imagine that in 15 years all the cars on the road will have the features you've described, and we'll find that no one is really driving much anymore. Then it'll be kind of an easy decision to implement a broader networked system. Hopefully it doesn't take that long but that seems like a potential worst case scenario here.


"The Federal Reserve is not the only way that money can be ""printed."" Every bank does fractional reserve banking, thereby increasing the money supply every time they make a new loan. There's a number called the reserve requirement which limits how much money each bank can create. Lowering the reserve requirement allows banks to create more money. Raising it will destroy money. But banks can also destroy money by calling in loans or being less willing to make new loans.  So when you look at the number of banks in the US, and the number of loans they all have, it's impossible to figure out exactly how much the money supply is expanding or contracting."


Your first step is to talk to the current lender and ask about refinancing in the other person's name. The lender is free to say no, and if they think the other person is unlikely to pay it back, they won't refinance. If you're in this situation because the other person didn't qualify for a loan in the first place, the lender probably won't change their mind, but it's still worth asking. From the lender's point of view, you'll be selling the other person the car.  If they qualify for a loan, it's as simple as getting the loan from a bank, then doing whatever is required by your state to sell a car between either private parties or between relatives (depending on who the other person is). The bank might help you with this, or your state's DMV website.  Here are a few options that don't involve changing who is on the loan: Taking out a loan for another person is always a big risk. Banks have entire departments devoted to determining who is a good credit risk, and who isn't, so if a person can't get a loan from a bank, it's usually for a good reason.  One good thing about your situation: you actually bought the car, and are the listed owner. Had you co-signed on a loan in the other person's name, you'd owe the money, but wouldn't even have the car's value to fall back on when they stopped paying.


I think anything from 10% on demonstrates a reasonable ability to save.  I would consider ongoing debt level a better indicator than the size of the down payment. It's been my experience that, without exception, there is a direct correlation between a persons use of revolving credit and their ability to manage their money & control their spending. Living in Seattle, I only put 10% down on my first house, but not only have we never missed a payment we have always paid extra and now have about 50% equity after 10 years with a family. Yet it would have taken me another year to save the other 10% during which time I would have burned that amount and 1/2 again in useless rent.


For ankle and foot problems, you need to go to Preferred Foot and Ankle Specialist Gilbert AZ. Recommending Dr. Mikkel Jarman, DPM, Gilbert Podiatrist. Phone 480 497-3946 or PreferredFootAnkle.com. He is one of the very best Foot Doctor Gilbert AZ and offers effective pain alleviation.


No. As long as you are sensible, an average person can make money on the stock market. A number of my investments (in Investment trusts) over the last 10 yeas have achieved over 200%. You're not going to turn $1000 into a million but you can beat cash.  I suggest reading the intelligent investor  by Graham - he was Warren Buffet's mentor


There is really much simpler explanation for the interest rate differences in different countries. It is the interest rate arbitrage. It is a very well explored economic concept, so you can look it up on the Internet, in case you want to know more. 1) Interest rates for the same currency in different countries Basically, as one smart person here pointed out, there is only one price of money in free market economy. It happens, because investors can move their money unrestrictedly anywhere in the World to capitalize on the local interest rates advantage. For instance, if I can take a loan in the USA at 3-4% annual interest and receive 5-6% annual income on my dollar deposit in Russia, I would take a loan in the US and open a deposit in Russia to enjoy a risk free interest rate differential income of 2% (5-6% - 3-4% ~ 2%). So, would any reasonable person. However, in real World very few banks in Russia or anywhere would pay you an an interest rate higher than it can borrow money at. It'd probably lose money if it'd do so. Anyways, the difference between the risk free rate and interest rate on the dollar deposit can be attributed to the risk premium of this particular bank. The higher expected return, the greater risk premium. If there is a positive difference in the interest rates on the dollar deposits in different countries, it will almost entirely accounted for the risk premium. It is generally much riskier to keep money in, say Russian bank, than American. That's why investors want greater return on their dollar deposits in Russian banks than in American. Of course, if you'd want to park your USD in Russian bank you'd also have to consider transaction costs. So, as you may have already guessed, there is no free lunch. 2) Interest rates in different currencies for different countries If we are talking about the interest rates in different sovereign currencies, it is a somewhat similar concept, only there is more risk if you keep money in local currency (risk premium is much higher). Probably, the biggest component of this risk is inflation (that is only attributed to the prices in local currency). For that reason, current interest rates on deposits in Russian Rubles are at 10-12%, but only 1-3% in the US Dollars. An economic concept that discusses this phenomenon in great detail is Interest Rate Parity.  Hope this was helpful. P.S. It doesn't look quite realistic that you can get an 8% annual income for USD deposit in Russia with the interest rates in the U.S. being at 1-2%. At present moment, a 30-year mortgage annual interest rate in the US is at ~2-3% and an annual interest rates for dollar deposits in Sberbank (one of the safest Russian banks = very little risk premium) is at 1-3%. So, arbitrage is impossible.


Of course there's no impetus. This is the reality of low skill jobs. That's why my original comment in this thread said that they had no chance of this strike working. Strikes only work when you have something to bargain with. It boggles my mind that people still think they can develop no skill greater than lifting heavy things and sliding products across a scanner and end up with a good paying job. This is the freaking 21st century, and these people have less skills than a loom worker in the 1800s. Of course, they don't get good pay.


Reddit is in competition for webshare and webrank superiority. This is an example of capabilities being the roots of competitiveness. Reddit is doing a great job of protecting and advertising (one of) its competitive advantages - by sending strong signals that there are rules of engagement. Focusing on internal strengths is smart, and will provide a secure foundation for its long-term strategy.      tl;dr - Reddit is protecting one of its core capabilities, and also advertising that it has the highest quality websharing and webranking services.


While this was financially motivated it's hard to argue against finding the minimum safe dosage of any medication; especially for medications taken by patients on lots of different prescriptions at the same time. Not often that saving money could also reasonably end up saving some lives or at least improve some quality of life.


"Here's a blog by a guy who is trying to do this: Personal Loan Portfolio And here's another one: bobharris.com Do a quick search for ""prosper loan"" or ""kiva"" on blog search."


There may be differences in different contexts, but here's my general understanding: Rate of Return (or Return on Investment) is the total gain or loss of an investment divided by the initial investment amount.  e.g. if you buy stock for $100 and later sell it for $120 you have a 20% Rate of Return.  You would have a 20% ROR regardless of if you sell it tomorrow or in a year. Internal Rate of Return is effectively annualized.  It is the annual rate at which each of a series of cashflows is discounted that would give you a net present value of 0.  Meaning if you spent $100 today and in exactly one year you received $120 back, you would have an IRR of 20%.  If you received the $120 back in 6 months, your IRR would be roughly 40%. An IRR calculation can include multiple cashflows at various times, while ROR is (in my mind) the total net gain or loss relative to the investment (irrespective of the time of the cash flows). IRR is more effective when comparing investments that have different time horizons.  Spending $100 to get $120 tomorrow is much better (from an IRR perspective) than getting $120 two years from now, since you could take that $20 gain and invest it for the rest of the two years.


Sounds to me like this restriction is limited to banks as issuers of convertible debt, which may affect their compliance with capital requirements, but is unlikely to affect the overall market for convertible debt.  Also the restriction is limited to retail investors, and I think most convertible debt offerings are not aimed at retail investors, so this restriction seems pretty limited to me.


I've seen many people sign a restaurant credit card receipt and walk away.  Easy enough for the wait staff to add a tip and total.  I doubt this is a high risk area compared to others, but in general, why not take the receipt for verification, or in the case of a good that can be returned, the receipt might be needed.


There is a subprime loaning bubble in the auto loan sector which is growing; while it's not in the $1 trillion range or as hidden as the real estate one was, it could cause issues down the road if it continues.  The use of derivatives or specifically, CDS, is continuing for other suspect investments.  It was used about 4 years ago to help hide Greece's sovereign default and like in 2008, it allowed the bad debt to be hidden and thrive to dangerous levels.  The use isn't widespread and limited to several firms so far, but its return as an instrument of choice so soon after the financial crisis is a little worrying that it may be a cyclical crisis.


The word equity always refers to the ownership of something, whether it be a company or a home. The wikipedia article is differentiating companies by how they raised money for operations. Equity companies, by their definition are those that sold an interest in the company in exchange for capital. Debt based companies, again by their definition, are those that borrow money from investors, but instead of an ownership stake they promise to pay back the money presumably with interest.


>[**Moneyspeedclub. Новый проект с доходом до 8 % в сутки!!! Хороший способ приумножить капитал [4:32]**](http://youtu.be/ym6gnfh1Mn0)  >>Приветствую Вас Друзья! в этом видео, есть информация о новом хайп проекте  !  > [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7RK9aIUg) ^in ^People ^& ^Blogs  >*^1 ^views ^since ^Sep ^2017*  [^bot ^info](/r/youtubefactsbot/wiki/index)


The first thing that strikes me is: Is this a time-limited offer? Because if you can expect the offer to still be valid in a few weeks, why not just wait that month (which will earn you the money) and buy the car then? The second thing you need to consider is obviously the risk that in the interim, there will be an actual emergency which would require the money that you no longer have. The third thing to consider is whether you need the car now. Do you require a car to get around and your current one is breaking down, perhaps even to the point that repairing it would cost you more than buying a new car and it is currently not safe to drive? If so, compare the cost of repairing to the cost of buying; if the difference is small, and the new car would be more likely to be reliable than the old car after spending the money, then it can make sense to buy a new car and perhaps sell the old one in its current condition to someone who likes to tinker. (Even if you only recover a few hundreds of dollars, that's still money that perhaps you wouldn't otherwise have.) The fourth thing I would consider, especially given the time frame involved, is: Can you get a loan to buy the new car? Even if the interest rate is high, one month's worth of interest expense won't set you back very far, and it will keep the money in your emergency fund for if there is an actual emergency in the weeks ahead. Doing so might be a better choice than to take the money out of the emergency fund, if you have the opportunity; save the emergency fund for when that opportunity does not exist. And of course, without knowing how much you earn, take care to not end up with a car that is no more reliable than what you have now. Without knowing how much you earn and what the car you have in mind would cost, it's hard to say anything for certain, but if the car you have in mind costs less than a month's worth of net pay for you, consider whether it's likely to be reliable. Maybe you are making an absolutely stellar pay and the car will be perfectly fine; but there's that risk. Running the car by a mechanic to have it briefly checked out before buying it may be a wise move, just to make sure that you don't end up with a large car repair expense in a few months when the transmission gives up, for example.


If you have the money to pay cash for the car. Then 0 months will save you the most money. There are of course several caveats. The money for the car has to be in a relatively liquid form. Selling stocks which would trigger taxes may make the pay cash option non-optimal. Paying cash for the car shouldn't leave you car rich but cash poor. Taking all your savings to pay cash would not be a good idea. Note: paying cash doesn't involve taking a wheelbarrow full of bills to the dealer; You can use a a check. If cash is not an option then the longest time period balanced by the rates available is best. If the bank says x percent for 12-23 months, y percent for 24-47 months, Z percent for 48 to... It may be best to take the 47 month loan, because it keeps the middle rate for a long time. You want to lock in the lowest rate you can, for the longest period they allow. The longer period keeps the required minimum monthly payment as low as possible. The lower rate saves you on interest. Remember you generally can pay the loan off sooner by making extra or larger payments. Leasing. Never lease unless you are writing off the monthly lease payment as a business expense. If the choice is monthly lease payments or depreciation for tax purposes the lease can make the most sense. If business taxes aren't involved then leasing only means that you have a complex deal where you finance the most expensive part of the ownership period, you have to watch the mileage for several years, and you may have to pay a large amount at the end of the period for damages and excess miles. Plus many times you don't end up with the car at the end of the lease.  In the United States one way to get a good deal if you have to get a loan: take the rebate from the dealer; and the loan from a bank/credit Union. The interest rate at banking institution is a better range of rates and length. Plus you get the dealer cash. Many times the dealer will only give you the 0% interest rate if you pay in 12 months and skip the rebate; where the interest paid to the bank will be less than the rebate.


"Thanks for proving my point.   I was comparing 2 impaired drivers and the first thing that comes up is a defensive ""Well, he could have smoked anytime in the past 6 weeks so he was probably just a bad driver!""  Now, I'm all for legalizing marijuana but not if people don't accept the fact that it is a drug and you should not be driving after smoking.  Too many people refuse to accept that fact and it results in people dying."


A lot of jobs, if not most, just don't require any meaningful education or training.  They just need somebody to show up and do something that takes 15 minutes to learn.  Anywhere from picking fruit, retail, or feeding a machine.  What do you do with those jobs?  Just because a person is educated or trained, doesn't mean those jobs don't need to be performed or will magically pay more.


Well you you purchased the shares at a weighted average price of $1.94 per share (350k at $2.00 and 50k at $1.50). The shares are now trading at $1.50 assuming the market hasn't changed since you last purchased stock. So you're down $0.44/ share from the stock but you have received ~$0.16/ share in dividends. You are down $0.28/ share which means on paper you have lost $64k on your $775k investment (down ~8.2% of total investment). So I'd say the investment is not performing well no. If a stock pays a dividend it usually should not dip 25% unless something is up with the business. I can not think of any example where an investment can be said to be performing well while at the same time the stock price decreases unless you are shorting the stock.


I don't think you'll find any sane person to agree with you here. That's one thing that should stay in the past,  nothing we use today and would be nearly as secure. Unless you want someone hacking into something we start a world war on accident...


It makes sense to me. Amazon will now have a much better supply chain for grocery products. It's been trying to get into the business for a few years now, and this is a huge step in making that entry sustainable and more profitable. I think a big reason for this buy was whole foods strong reputation and weak finances. 13B is a huge number, but a solid investment for Amazon that I can think will pay off in the long run.


"This is the best tl;dr I could make, [original](http://www.cnbc.com/2017/07/20/amazons-latest-assault-wipes-out-13-billion-off-home-depot-others.html) reduced by 86%. (I'm a bot) ***** > The early read from some analysts was that the selloff has created a buying opportunity for home improvement retailers, Home Depot and Lowe&#039;s, which have proven themselves to be somewhat &#039;Amazon-proof&#039; and among the best performers in the sector.  > Over the years, Home Depot and Lowe&#039;s, which sell an array of building and home improvement products, have taken a great deal of share from Sears, and its Kenmore brands.  > &quot;Home Depot sells 50,000 products. There are likely products that sell online better than others. But Home Depot stores are known for great service. They have good in stock, they have powerful private brand label brands.""   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6oteug/amazon_partners_with_sears_the_beginning_of_the/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~172846 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*: **Home**^#1 **Depot**^#2 **appliance**^#3 **Amazon**^#4 **percent**^#5"


I am going through this right now.  We recently moved and learned the lesson of needing a good bit of wealth in easily accessible accounts.  In our case for a down payment on a new house.  So we have decided to increase our emergency fund to $50,000.00 minimum.  Then throwing the rest in retirement accounts seems like a safe bet. So my rule of thumb is think of how much a 20% down payment would be on a new house if you needed to move.  That way you can avoid pmi while also avoiding penalties for withdrawing from your retirement accounts.


In any business keeping your customers happy is one thing, turining them into advocates for you is another. On the other side of this I knew a person who happened to be the owner and CEO of a multimillion dollar business he built from the ground up. He was incredibly loyal every firm he did business with and expected to be treated with respect. As it turns out he also enjoyed working in his garden on weekends. One Saturday, while working in his garden, he realized he needed to do some banking before the bank closed. He quickly runs out to the bank to do his business and is denied service despite having all the proper ID because of the way he looked (dirty from gardening). That following Monday he went in (In his suit this time) and transferred every penny of his business and personal holdings amounting to 10s of Millions to a different firm. Treat cuastomers well and they will generate business for you, treat people poorly and you will lose customers. Lose enough and you are no longer in business.


The issue with ownership for digital media is highly contested, and definitively more complicated then the author of this rather underwhelming article suggests. Plus: She seems to assume that US copyright and consumer protection law is universal and pllaies in Norway as well. I have no idea about the legal situation there, but I would be very surprised if it is much different from the EU situation. Just a couple of weeks ago the European Court of Justice said that private customers do have property rights over digital media, not matter what the EULA says.


"I'm in the ""big mortgage"" camp. Or, to put this another way - what would you be happier to have in 15 years? A house that is worth $300,000, or $50,000 of equity in a house and $225,000 in the bank? I would much rather have the latter; it gives me so many more options.  (the numbers are rough; you can figure it out yourself based on the current interest rate you can get on investments vs the cost of mortgage interest (which may be less if you can deduct the mortgage interest))."


The vast majority of retail Forex brokers are market makers, rather than ECNs. With that said, the one that fits your description mostly closely is Interactive Brokers, is US-based, and well-respected. They have a good amount of exoitcs available.  Many ECNs don't carry these because of the mere fact that they make money on transactions, versus market makers who make money on transactions and even more on your losses. So, if the business model is to make money only on transactions, and they are as rarely traded as exotics are, there's no money to be made.


China is getting increasingly more expensive for consumer products sourcing due to rising labor and other costs. Our China business is still significant (over half of our global buy) but is shrinking as business moves to South and South East Asia. This trend is only going to continue as more countries like Myanmar become more competitive.


In the case of regulated, exchange-traded options, the writer of an options contract is obliged to maintain a margin with their broker, and the broker is obliged to maintain a margin with the clearing house.  (Institutional writers of options will deal directly with the clearing house.) In the event that the writer is unable to make a daily margin call, the broker (or clearing house) may automatically close out (all of) their positions using existing margin held.  If there was a shortfall, the broker (or clearing house) would be left to persue the client (writer) to make good on their obligations. None of this effects the position of the original buyer of the options contract.  Effectively, the buyer's counterparty is their broker's clearing house account.


The middle class in Europe is much poorer than statistics would reveal. Why? Because despite higher marginal income tax rates, taxation in Western Europe is highly regressive. Low and middle class Europeans have to pay a lot more for energy & consumer goods than Americans. Quite frankly, that's what matters to most people in life. Stuff. Big cars, big houses, a closet overflowing with clothes, the latest gadgets, etc. Even poor Americans have all that. Most Europeans don't.


As the CEO of a company larger than most but certainly much smaller than his, I'd like to say this kind of hyperbolic bullshit is a fine example of what is wrong with discourse in this country. If you get any tax increAse at all you might as well shut down your company? My ass.   Now let me be clear - I don't want to pay more taxes, and I don't mean to imply anything of the sort. But grown ass, privileged men pretending to be oppressed and acting like spoiled eight year old brats does nothing constructive. This kind of bullshit shuts down reasonable debate about the way things should be.  Here's the real scoop - I would hire more people and buy more inventory and put more into capital investment if I paid less taxes, but I would also bring home more money in my pocket as well.  As Americans, we have some huge financial problems, in both the public and private sectors. There are multiple potential solutions, with differing ideas being held by smart people on all sides. We should be attempting to appreciate and learn from one another to reach solutions like responsible goddam adults, not pulling douchey stunts like this to see who can get the most media attention. Secondarily, the media should be ashamed of peddling this nonsense at the expense of society.  Tl;dr - fuck this guy and the media he rode in on


Bond aren't necessarily any safer than the stock market.  Ultimately, there is no such thing as a low risk mutual fund. You want something that will allow you get at your money relatively quickly. In other words, CDs (since you you can pick a definite time period for your money to be tied up), money market account or just a plain old savings account. Basically, you want to match inflation and have easy access to the money.  Any other returns on top of that are gravy, but don't fret too much about it. See also: Where can I park my rainy-day / emergency fund? Savings accounts don’t generate much interest. Where should I park my rainy-day / emergency fund?


They can sell a lower price call if they expect the stock to plummet in the near term but they are bullish on the longer term. What they are looking to do is collect the call premium and hope it expires worthless.  And then again 'hope' that the stock will ultimately turn around. So yes, a lot of hoping.  But can you explain what you mean by 'my brokerage gives premiums for prices lower than the current price'? Do you mean you pay less in commissions for ITM calls?


The niche they were going for was a family-friendly sports bar but no one wants to spend 2-3 hours in a bar with their kids or watch 1/3 of a game. What's more if I want to watch a game with my friends away from home it means other people's kids are going to be running around. It was also meant to be an alternative to Hooters but the family angle means you can't do the trashy eye-candy thing. The food isn't great and it's not cheap either so their business model is off and the food is only marginal.    The question isn't why millennials aren't going, it's why that many other people are.


Coolness - It's not only a matter of staying calm when being up or down. You must keep yourself from chasing a stock that appears to be running away. Or from betting all your money that something(like say a crash) will happen tomorrow because that would be great for you. Use your head not your heart. Empathy - You need to understand what other speculators, investors, institutions and algorithms are going to do when there is a new development or technical signal. And why. For publicly traded corporations, fundamentals and technical indicators only have the value that people(and their algorithms) choose to assign to them at that particular moment. And every stock has a different population trading it. There is no rule of thumb. Patience - To trade successfully, you must avoid trading at all costs. Heh. If you can't find any good trade to do, don't open positions in order to meet your targets, buy a new smartphone, or to fight boredom. Diligence - If your strategy relies on tight stops, don't make exceptions. If your strategy relies on position sizing, don't close when you are a few points down. Luck - In the end almost every trade can turn against you very badly. You must prepare for the worst and hope for the best. You can't buy luck, or get luckier, but you can attempt to stack probabilities: diversify, buy options to insure your positions, reduce holding time, avoid known volatility events, etc.


You are very right.  I just had to get a cheap and transparent political jab in there. Thank you.  I tell my republican family members that Clinton DIDN'T SCREW THINGS UP, but he actually did by relaxing borrowing standards for home purchases, which led to something very dark in my recent past, lol....


"Dutch company Mars One says it wants to send people to the Red Planet after running them through the reality TV wringer - but appears to be ill-prepared for actual spaceflight. Mars One says it wants to start selecting astronauts in 2013 and training them on a replica of the settlement out in the desert. The company says it will launch supplies in 2016, followed by the first four astronauts in 2022. The volunteer extraterrestrial settlers would all be traveling on a one-way ticket. Several questions spring up almost immediately: how wise is it to select astronauts 10 years before a mission starts through reality show casting? Is any of this technologically feasible at this point in time? Is Mars One a hoax, a media stunt capitalizing on the fact that private spaceflights are in the headlines now thanks to SpaceX, or an overreaching pipe dream? The company lists only one engineer amongst its four-person team on its website, and trumpets the endorsements of ""Big Brother"" co-creator Paul Romer as well as Nobel Prizewinner and physicist Gerard 't Hooft - though 't Hooft's expertise lies in quantum mechanics, not astronomy.  A man claiming to be Mars One founder Bas Landsdorp appeared Friday on the popular website Redditto take questions on the project, and was quickly met with a storm of skepticism.  Reddit users knocked Landsdorp, saying Mars One has not yet put out any concrete technical explanations of how they will get to Mars and support the proposed habitats. Some pointed out that NASA has had issues with solar panels on its Mars rovers because of dust storms that erode the panels' surfaces and block the sunlight for long periods of time, making Mars One's plans to use solar panels for energy generation unsustainable for supporting human life. But the man claiming to be Landsdorp mostly steered clear of the more scientific questions and directed users to the company's website. One user going by the handle arcanosis commented: ""This is almost certainly a publicity stunt. Your answers are nontechnical, imprecise, absurdly optimistic, even quixotic."" If Mars One turns out to be a hoax, it wouldn't be the first such stunt originating from the Netherlands in recent months.  Dutch artist Floris Kaayk hoodwinked much of the media with his ""Human Birdwings"" project in March, in which he posted YouTube videos purportedly showing a human-powered pair of mechanical wings."


On first glance it sounds to good to be true.   From what I understand bridge loans are for people waiting on other loans. In this case I would presume a housing developer would take this loan if something were to go wrong and their first choice of funding went wrong. Not anything wrong with that in and of itself but the coupon is way, way too big not to draw attention.   Examine the financial statements of the credit institutions and the companies they're giving credit to would be the only solution.   The terms of the bond should be dictated by all information available, therefore if the return is this lucrative then there must be a large degree of risk associated with it.


> Owning an expensive home  Why do people seem to think owning a home is expensive?  Not everyone that owns a home is rich, or has an expensive home.  Home ownership has many more benefits to renting, and the government should absolutely encourage it. It encourages people to take ownership in a community and brings down housing costs for everyone.  People don't only rent apartments in high rises, you understand that, right? People rent two flats, houses, cabins, mansions, condos.  Your view and knowledge of this is narrow at best.


Pitfalls of paying plastic That being said, you can also find cards that have better than the 1% it looks like you are getting. I have a card that gives 2% cash back on Gas Stations, Utilities (including stuff like AT&T) and Food Stores (Walmart included).  There are also limited time deals from cards - my fiance's discover has 5% cash back Oct/Nov/Dec on Online purchases. Make sure to remain diligent, keep your balances low and don't get hit with interest rates or fees (I had HORRIBLE credit and I refused to get a card with an annual fee). Why pay full price with cash, when you can get 2-5% cash back?


>It's called lacking empathy and compassion.  Or people like to keep their hard earned money. Don't paint somebody as greedy for trying to keep what they have earned.   >Until you've walked a mile in another person's shoes, it's hard to know what they've gone through and what they battle.  Everybody faces their own challenges in life, successful people don't let them become excuses.


"You should be able to pay back whenever; what's the point of an arbitrary timeline? Cash flow is the life blood of any business.  When banks loan money, they are expecting a steady cash flow back. If you just pay back ""whenever"" - the bank has no idea what they'll be getting back month-to-month.  When they can set the terms of the loan (length, rate, payment amount), they know how much cash flow they expect to get.  What does [the term of the loan] even mean and what difference in the world does it make? In addition to the predictable cash flow needs above, setting a term for the loan determines how long their money will be tied up in the loan. The longer a bank has money tied up in a loan, the more risk there is that the borrower will default, so the bank will require a greater return (interest rate) for that extra risk. What you have described is effectively a revolving line of credit.  The bank let you borrow money arbitrarily, charges you a certain rate of interest, and you can pay them back at your schedule.  If you pay all of the interest for that month, everything else goes to principal. If you don't pay all of the interest, that interest is added to the balance and gets interest compounded on top of it.  Both are perfectly viable business models, and bank employ them both, but they meed different needs for the bank.  Fixed-term loans help stabilize cash flow, and lines of credit provide convenience for customers."


Oh, I see where the confusion is from. Amazon controls 41% of new book sales, and 41% of all book sales (including used books) are from online retailers. Those two being so similar was throwing me off.  I was meaning to reference all *new* book sales, since the dispute between hachette and Amazon has very little to do with used books as far as I'm aware. Both I and the article I referenced could have made that distinction more clear.  Again, regardless, Amazon is a big enough of a player in the market that they should not be messing with the price, availability, and visibility of a publisher's print books as negotiating tactic in ebook prices. The financial impact on Hachette doesn't seem to be as big as I initially thought, but any lost revenue in Hachette's print book sales as a result of Amazon's actions to convince them to accept their ebook terms seems unethical.


Our Website : http://www.inglewoodarena.com/ The Forum loves children, but asks that you check the age minimum on the event you are attending prior to buying tickets. If children are allowed, those under two attend for free but must remain on a ticket-holders lap. Any strollers must be collapsible and stored beneath seat. Service Pets are happily accepted but must remain in the seating area with their human, harnessed or leashed. The Forum Inglewood strongly encourages Animal Access card photo IDs.


The banks and the Fed inflated the housing bubble. There was too much money floating around and it went into housing and loans for housing. The banks are highly responsible for this crisis because the failed to investigation into who was receiving the loans (due diligence). In turn, many of these same banks sold these crap and uninvestigated loans as CDOs and the like (made triple A by the ratings agencies, paid by the banks) to other investors, bringing in more cash that was quickly loaned out to keep the whole process going. All the while they were filing and registering these mortgage records with MERS to avoid paying various jurisdictions the fees and taxes owed (this is many 10s of billions of dollars). The easy money created artificial and inflated demand and completely distorted the housing market.   Other than those large points, the banks are utterly blameless.


I'd recommend getting online quotes from several insurance companies.  During the process of getting a quote, you will be asked for the year/make/model of your car.  You can put in one of  the cars you were thinking about buying and get a quote.  Then start over and try with a different type of car.  This should show you how the insurance will compare between different cars.   I've done this in the past when I was trying to make a decision on a car purchase.  It takes a while, but seemed worth it to me.


This comment is actually total nonsense. Accretive deals is not a type of deal, it refers only to the deals impact on earnings.   And to say that Danaher is not focused on operations is also incorrect. Their Danaher Business System is second to none at improving operations at the companies they buy.


The cupcake bubble is exacerbated when fueled by money expansion and easy credit: there's always credit available for the next person to borrow money to buy a more expensive cupcake.  Also, during the cupcake boom, it's clear the wealth was not real.  The economy was not healthy, it was experiencing an unsustainable boom, fueled by malinvestment and speculation into cupcakes.


Vesting typically stops after you quit.   So, if your plan vests 20% per year for 5 years, and you received a one-time stock grant as part of this plan (i.e., ignoring the fact that these often involve new grants each year that vest separately), and you were hired in 2014 and leave at the end of 2016, then you vested 20% in 2015 and 20% in 2016, so would have 40% of the stock vested when you quit, and would never have more than that.


In regards to the federal government, there was a hiring freeze until May. Government agencies are in the 4th quarter and are busy spending money, don't expect to hear from them until October.  Budget analyst jobs at a GS 5/7/9 until you get your feet wet. You won't qualify for anything higher.  Defense sector? AECOM, L3, Lockheed, TSAY-Fergurson, Boeing, Gulfstream. You want to be marketable to them, get your PMP (Project Management Professional).


I disagree. It ruined Kevin Smith, most recent stoner comedies are lazy and forgettable, and my stoner classmates from high school are pretty much all stuck in dead-end jobs or out of work entirely.   The only successful people I know who smoke pot are the ones who started when they were adults, after they finished their degrees and had years of employment.


One possibility is to ask RBC to lend you some money (or more specifically, to lend you some more money): an overdraft, a personal loan, or whatever. To discuss this you should to talk to your personal banker (not a teller), probably by appointment: to explain why you want it, and how and when you expect repay it. You might (I don't know) say that you want the loan (or some of the loan) to pay off the Visa, and/or for the travel. If you've only just arrived in Canada, however, then I don't see why they should want to lend it to you (i.e. why they should think you're a good credit risk). Is there anyone else (e.g. an immigration sponsor or parent or employer) who might co-sign (a.k.a. guarantee) the loan? I have never had this issue before with any other credit cards but I got an RBC Visa in Canada In some countries (not Canada) a Visa behaves more like a debit card, i.e. you can only spend money you have in the account.


http://www.irs.gov/publications/p936/ar02.html#en_US_2010_publink1000229891 If you still own it, you get to deduct all of it. In my taxes I did online with TaxAct, it asked if I lived there or not and it just mattered which form it filed for me.  With having tenants it was a 'business' form and I assume it would be a standard schedule A for personal.  Either way the deductions are still mine to take.


I dont know if this data is available for the 1980s, but this response to an old question of mine discusses how you can pull stock related information from google or yahoo finance over a certain period of time. You could do this in excel or google spreadsheet and see if you could get the data you're looking for.  Quote from old post: Google Docs spreadsheets have a   function for filling in stock and fund   prices. You can use that data to graph (fund1   / fund2) over some time period.


He can buy at 69.95 or 69.70 or whatever because he already has all the shares. The HFT bought at a cheaper price earlier. The HFT has all the shares. Now he's testing the guy who won't go above 70.00 with small orders. When he sees that this guy is willing to buy 10 at 70.00 the HFT makes a limit order of all the shares in the market at 70.00 when he got them all already at 69.95.  Whatever doesn't get bought up goes back into the market at the price the HFT originally bought at. The HFT was in line ahead of the guy who won't go above 70.00 as soon as he saw him buying. Like at the horse race, remember?


A lender will look at three things when giving a loan: Income. Do you make enough money each month to afford the payments. They will subtract from your income any other loans, credit card debt, student loan debt, mortgage. They will also figure in your housing costs. Your Collateral. For a mortgage the collateral is the house, for a car loan it is the car. They will only give you a loan to a specific percentage of the value of the collateral. Your money in the bank isn't collateral, but it can serve as a down payment on the loan.  Your Credit score. This is a measure of how well you handle credit. The longer the history the better. Using credit wisely is better than not using the credit you have.  If you don't have a credit card, get one. Start with your current bank. You have a history with them. If they won't help you join a credit union. Another source of car loans is the auto dealer. Though their rates can be high. Make sure that the purchase price doesn't require a monthly payment too high for your income. Good rules of thumb for monthly payments are 25% for housing and 10% for all other loans combined. Even a person with perfect credit can't get a loan for more than the bank thinks they can afford. Note: Don't drain all your savings, you will need it to pay for the unexpected expenses in life. You might think you have enough cash to pay off the student loan or to make a big down payment, but you don't want to stretch yourself too thin.


Because growth and earnings are going down exponentially for this company? It will eventually go up (like 3 years+), but if you want to feel more pain first, go ahead. Look at the macroeconomic picture before you praise all mighty of an individual company


Even better, the company he owns filed for bankruptcy.  He gets to keep all of the cash, the company folds, and he'll just start up a different company with all the money and none of the obligations.  That's exactly what his book says he'll do.  Why is anyone surprised that he does this?


> People who wanted a high-end Vegas experience could simply afford to go to Vegas, while at the same time, Revel alienated the lower end customer base by banning smoking and not offering any inexpensive buffet style dining  Ouch. That sounds like a pretty hard fall for them.


I imagine we disagree on the following, but digging something from the ground or destroying mountain tops to obtain a product that destroys the health of its extractors, puts mercury in rivers, adds to climate change, and causes acid rain is not worth a few towns.    Of course I don't live in those towns...  I would say they should be re-trained to install solar panels, but they will still have to move out of their small dying towns.   Coal is going to die either way.  The cost benifits compared to renewables just aren't there anymore.  That is why that sector is already so small.


"As I understand it, the cost of the cruise just about pays for your room, plus reasonable food. It doesn't always pay for the room service, even, which is why tipping is encouraged. The line makes money on the EXTRAS. The largest of these are the land tours that take place on an almost daily basis. Also, they manufacture and sell a ""cruise video,"" as well as souvenirs. They also have special events on board such as art auctions, where ""concessionaires pay the ship to let them try to make money on it."


I agree we should be efficient with the food we produce, especially meats, but I don't like using food production efficiency overall as an encompassing statistic.   It comes with all sorts of problems largely due to artificial fertilizer productions, extremely demanding GMO plants, and of course overall pesticides.  Pushing for extreme yields out of fields using artificial fertilizer can result in disastrous circumstances down the road. Over utilization of a field gives better returns now but we can't do that indefinitely and depletes the top soil of many micronutrients and healthy bacteria. Over time yields will decrease and, if it ever gets taken that far, you end it with more dustbowl problems. Even if you stop before it gets that bad you then have to suffer years of less than average yield to build the topsoil back up to health just so you can get average yield again. And then there is the problem of how artificial fertilizer is made, which while currently necessary to produce enough food (currently 50% of the world's food is produced directly due due to use of artificial fertilizer), it utilizes fossil fuels both as reagents and to burn for power to fuel the process of turning fossil fuels into fertilizer.  If we really want to be sustainable we should be utilizing more farm land to make up for reduced yields from avoiding as much artificial fertilizer as we can.


Yeah.  Screw that old lady.  She should have known all the ins and outs of legal process.  It's totally her fault that one of the US's ten million douche bag lawyers fucked her in the ass with a rusty metal bat.


Positive or negative in what sense?  http://climate.nasa.gov/scientific-consensus/ https://en.wikipedia.org/wiki/Scientific_opinion_on_climate_change  The overwhelming opinion is that humans are the largest source of climate change currently.  To answer your question about what global warming means: https://en.wikipedia.org/wiki/Effects_of_global_warming  The data is out there, try to not get clouded: https://en.wikipedia.org/wiki/Climate_change_denial


I'm not suggesting the constitution is perfect, I'm saying a democracy without a constitution would be a risky thing.  This has been noted since Aristotle's Politics.  To put it simply, what if the majority in America today, decided to round up Muslim Americans in concentration camps?   The only thing protecting them is the constitutional right of due process. It's not perfect in practice, but imagine if it didn't exist at all.   Guantanamo Bay and the Japanese camps during WW2 were both failures of this protection, but it's the constitution that gives civil rights advocates a leg to stand on in opposing such practices. If not for that, there would be no recourse for a persecuted minority.


There are thousands of dealers in the real estate market which claims to provide you the best homes at lowest price but before investing such a huge amount in property, one should take decision wisely. As investing in your home is a life time investment and it must be cost effective.