I went through a very self damaging phase in my teens and wound up having to get a GED. I eventually followed it up with a punt for college and got a 2yr Assoc in Business. When I finally got my head out of my ass around my 30s, I realized how much I was stuck in the ~$25-30k bracket. I got an entry level job doing computer repair and started hitting the books & web. Soon, I was taking on web design and basic server admin duties. I got downsized and wound up looking again. Wound up in an entry level again doing first level support & inventory for a local ISP. I took an interest in networking and self studied for and got my Net+ and Sec+. I was acting as their local level network engineer but they weren't willing to change my pay or title so I began looking. I wound up getting picked up by a recruiter who helped me land a job that over doubled my pay and got me into a position where I'd get a lot of experience with high demand technologies and they'd sponsor my security clearance. I'm now closing in on the magical 6 digits but it's all about self motivation on constant education and learning. It should also be said that patience must be remembered. I knew I had dug a hole for myself and it wouldn't be overnight... I'm now in my early 40s so it's been a full decade of effort and just getting by.


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Sure of course you can do balance transfers like this but you are way late to the party and it has gotten to be pretty challenging finding new cards to transfer balances to. Before the current financial crisis in the US you could get enormous amounts of credit (2-5 times a person's annual income) and transfer balances to your bank account to collect interest . There were a bunch of ways to the transfer everything from direct deposit to your bank account to a balance transfer check payable to yourself to overpaying another credit card and requesting a refund. Over paying another account sets off a lot of red flags now days but other methods still work. The financial atmosphere has changed a lot and there are very few available cards with no balance transfer fees or capped fees and the interest rates are a lot lower now so it really isn't worth doing.


I would go with your alternative idea: get rid of the debt as fast as possible.    You have $32k of debt. It's a lot, but with your new $90k salary, do you think you could get rid of it all in 12 months? See if you can make that happen. Once the debt is gone, you'll be in a position to invest as much as you want and keep all your gains. You are worried about sacrificing future money in your investments, but if you eliminate the debt over the next year, this will be minimized. Just lose the debt.


"Wow that's pretty bad with the passwords.  I do have an account there which had my basic website up there but just with their default URL which is when I noticed how much facebook hated that and I hadn't gone through the process of connecting my domain name.  I would have done more research if it was one that took payments or customer info but it's more of a hub for my work and the platforms I'm on so there wasn't that risk so I stuck it up there as a temporary measure, but it doens't seem like it is too good a one by the sounds for the long term.  I also asked about this on r/webdev and I studied both buyshared and AWS (taking advantage of the ""free"" year) and I have now but the website on AWS (it took forever to work it out adn connect the domain but it is finally done now)."


Welcome to food service. I honestly don't know a chain restaurant run differently. You get shat on as a server.  The entire system is rigged to use you as the flex point, the breaking post. Food wasn't good? The waiter gets punished through his pay, not the restaurant. The food was late? The waiter's pay get's punished, the restaurant get's their full payment.   The host screwed up? Comes out of the waiters tips.   The business isn't doing well? Mine as well dip into the servers tips, so we can pay EVERYONE $2.13 instead of minimum wage...  So really, you have an enormous power to treat their employees better. Tip more. But some how, I don't see America tipping more.


Congratulations on your bonus may many more come your way. I am having a bit of trouble following your numbers but it seems you are considering PMI for the life of your loan.  Once you get below 20% loan to value, you can petition the mortgage company to remove the PMI (with conventional loans; VA and FHA have lifetime PMI). If it was me, I'd do one of two things.  Both involve paying off the student loan now.  The savings from the student loan payment will assist you in helping you meet one of the two goals below.  Also both involve getting a 15 year fixed. The first would be to buy the house now, and work like crazy to get rid of the PMI.  My goal would be to get rid of this within 18 months.   The second would be to save up enough cash for the 20% down and then buy the house.  You'd miss out on the house you are looking at, which is kind of heartbreaking.  Who is to say that a better home does not come along at the same price?  My goal would be to have the downpayment in 9 months, and really try to have it in 6 months. Being an old guy that has experience how much of a virtue patience is, I'd recommend the second option.


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I would agree, if Americans were willing to do those jobs under the current circumstances. It's hard work; in the sun, for minimum wage (sometimes more), and many farms are exempt from paying overtime so you just get straight time for the 80+ hours you work in one week.  However, there never seems to be the line for employment. Don't come complain about illegals taking jobs from Americans, when the American don't want to do the work.


"Yes! What you are describing is an ""off-exchange"" trade and can be done using stock certificates. Here, you will privately negotiate with the seller on a price and delivery details. That is the old-school way to do it. Many companies (about 20% of the S&P 500) will not issue paper certificates and you may run a hefty printing fee up to $500 (source: Wikipedia, above). Other other type of private-party transactions include a deal negotiated between two parties and settled immediately or based on a future event. For example, Warren Buffet created a deal with Goldman Sachs where Warren would have the choice to purchase GS shares in the future at a certain price. This was to be settled with actual shares (rather than cash-settled). Ignoring that he later canceled this agreement, if it were to go through the transaction would still have been handled by a broker transferring the shares. You can purchase directly from a company using a direct stock purchase plan (SPP). Just pick up the phone, ask for their investor relations and then ask if they offer this option. If not, they will be glad for your interest and look into setting it up for you."


Jeff Bezos; just like Jobs, Ellison, Zuckerberg, will never understand the plight of their employees.  Their main goal is how much wealth and power they can consolidate for themselves.    The Tech industry in general is a pretty horrible industry; huge profits very little return to the economy.  Unless we vote in better politicians, we will always have to remind tech CEOs that charity begins at home.


"Yes. You did not notice the ""$1,410 Customer Down Payment"", the ""$650 Acquisition Fee"", the ""$350 Disposition Fee"" ""due at lease termination"", and the ""$275 security deposit"" for customers who do not have good enough credit.  Also, ""A dealer documentary service fee up to $150 may be added to the sale price or capitalized cost."" These charges might (or might not) add up to the dealer profit margin.  You can negotiate the ""Adjusted Capitalized Cost"" of ""$29,841"", and the ""documentary service fee"".  By doing so, you can reduce your up-front payment (and the dealer profit margin). The price mentioned above ""Includes destination charge, but excludes state and local taxes, tags, registration, title and insurance.""  Also, this is a ""low mileage lease"".  If you choose to not purchase the vehicle at the end of the lease, you ""may be charged for excessive wear based on Toyota Financial Services standards for normal use and for mileage in excess of 24,000 miles at the rate of $0.15 per mile""."


I hate to be the person who has to say this, but... You do realize that there's a Juilliard (or Curtis, or Eastman School of Music, or even U of Michigan...) and then there's a fucking *University of Georgia*? Juilliard for music is like MIT or Caltech for computer science. The lady from Equifax wasn't quite bright enough as a musician to make it into Juilliard.


> I think all taxes are theft, no matter who they come from.  That is a matter of opinion. Obviously, I disagree with that sentiment. Do you have a reason behind it?   > Again, you haven't really substantiated any claim about your financial situation.   I have scanned in a tax summary sheet from my CPA. I took off all the personal identifying data. I would be happy to share it with you, but I am not sure how to attach it to posts like this. Any ideas?   > Additionally, I'm sure someone of your financial stature would have enough time to go on Reddit.  I am an owner, if I want to sit at my work desk and reddit - as I am doing right now - I can do that. Not what I typically do, but I just got off travel, and trying to get back into it. Plus, I am procrasting a little bit, because we have some big projects coming up! I am still human!  > Literally take your pick and we can begin  Okay, I will pick a topic that I am more familiar with - Defense R&D. My position is that, while there are many companies that do R&D in the world of defense, there is also much innovation that comes from the government itself. GPS is one such technology. And while there are many very innovative companies that have built onto and done some amazing things with this technology, if it weren't for government investment and R&D, it wouldn't exist.   > And yes, even people who advocate only higher taxes for the rich will end up with higher taxes for me (I.e. Bernie Sanders)  What part of Bernie's proposal leads you to believe that?


Typically the fees are charged when the order is executed.  The only catch I have ever ran into is when an order is partially executed. A good-till-cancel order that gets executed in several blocks over multiple days may get charged a separate commission for each day (but typically not each block).  If this is a simple brokerage account, you could avoid the whole question by using robinhood.com, which charges no commissions or maintenance fees.


You will want to focus on how much is needed for retirement, and what types of investments within the current 401K offerings will get you there. Also will need to discuss non-401K investments such as an IRA, college savings, savings for a house, and an emergency fund.  The 401K should be a part of your overall financial picture, how much you invest in the 401K depends on the options you have (Roth 401K available), how much matching (some a little or a lot), and your family plans.  You have a few choices:  Your company through the 401K provider may provide this service. They may have limited knowledge in what non-401K funds you should invest in, but should be able to discuss types of investment. Fee only planner. They will be able to discus types of investments, and give you some suggestions. Because they don't work on a commission they will not make the investment for you. You need to be able to make the actual selection of investments, so make sure you get criteria to focus on as part of the package.  Commission based planner. Will make money off your investment choices. May steer you towards investments that their company offers or ones that offer them the best commissions in that investment type. If the 401K doesn't use funds that the planner can research you will need to provide a copy of the prospectus provided by the 401K. My suggestion is the fee only planner. They balance the limited focus of the 401K company without limiting themselves to the funds their company sells. Before sitting down with the planner get in writing how they fee structure works. A flat fee or hourly fee planner will be expecting you to do all the investment work. This is what you want. Let the fee only planner help you define your plan. But also reanalyze the plan every few years as your needs change.


There's an explanation of what that means a few lines farther down that page: It looks like they keep a record of ~600 days of their previous implied volatility calculations, but some symbols might not have that much valid data.  So when they report the current IV as a percentile of all those previous IVs, they want you to know exactly how reliable that measurement is. If they only have 30 days of past IV calculations, then the percentile doesn't mean all that much.  On the other hand, if they have 600 days of past IV calculations, then the current percentile is pretty significant.


Those who purchased Rola roof racks know they got it right and those that didn't purchase Rola roof racks, wish they had done so. Simply put, there's no better roof rack system in the World then the Rola roof racks.Fact is, Rola has been part of the Australian leisure and sporting scene since the early 1980’s which was when the company began operations. Their product was and continues to be so revolutionary in design, that customer's trust in Rola is total.


"Noted... the tricky thing is that some people are quite literally living paycheck to paycheck, even without any extravagant spending.  If you're in this boat, and something comes up, like a broken tooth, or a transmission, or something else, and you think, ""Well, I can pay this big bill today, then my check get deposited in 2 days, so I can pay my phone then, even though it'll be a little late, and so on and so on. You weren't going to bounce anything, true, but then the bank took an extra day to deposit a check FROM ANOTHER BRANCH OF THE SAME BANK... and now you owe them $35.   I'm not saying we shouldn't all be financially responsible, we should. It's just that things can be really, really tight for people. ""Just don't spend it,"" literally isn't an option.   I honestly have been the best about money when I only had an account that I had to deposit by mail... I had to plan enough ahead that I couldn't get too low. I'm thinking I may go back to that system, just for that reason."


You're totallllllllly right - companies on social are mostly trying to make dough, but fuck me they royally fuck it up. Less than 1% of anyone liking a business' page are going to see anything the company posts. Yet here we are in 2017 with SME's still buying Facebook likes inventory as ad  objectives.   The fuck?  When you hook your PPC into analytics and you run your hotjar and then see who's buying, who's abandoning and WHY - then you have a potent force for remarketing and ultimately selling stuff successfully via social.   But as you say, most companies still going for organic social traffic which jusssssst ain't going to happen.  Pay to play. <shrugs>  Good convo with you man - appreciate a good Reddit yarn like this.


With AWS, they just took every single penny they made and spent it on R&D and infrastructure.   That was a long term strategic investment.   It wasn't like flooding a market with cheap steel to wipe out the other steel producers.   Bezos created his own brand new industry with AWS


Ok, see that was my thinking too.  Historically, stocks and land values have always gone up, even after the depression.  So, it seems to me, that if you have a buy and hold strategy with a horizon of 10-20 years, then you should be fine.  Is my thinking realistic along those lines?


Sounds like a bad idea. The IRA is built on the power of compounding. Removing contributions will hurt your retirement savings, and you will never be able to make that up. Instead, consider tax-free investments. State bonds, Federal bonds, municipal bonds, etc. For example, I invest in California muni bonds fund which gives me ~3-4% annual dividend income - completely tax free. In addition - there's capital appreciation of your fund holdings. There are risks, of course, for example rate changes will affect yields and capital appreciation, so consult with someone knowledgeable in this area (or ask another question here, for the basics). This will give you the same result as you're expecting from your Roth IRA trick, without damaging your retirement savings potential.


"Funnyman RUSSELL BRAND flew into a rage during a U.K. TV interview after he was quizzed about his split from KATY PERRY. The British comedian was promoting his new movie musical Rock Of Ages on The Graham Norton Show when the Irish host asked him about his failed marriage. Brand looked into the audience at his mom Barbara in the front row, then turned to Norton and accused him of making her tear up. He ranted, ""My mom is here. She got upset when you dragged up my marriage. I saw her cry, Graham. That's the reality because it's real people, Graham, that's my real mom. I have come here to promote a film and you made my mom cry. I don't see you as that sort of person Graham."" Norton insisted, ""I don't see myself as that kind of person,"" and explained that it would have seemed ""weird"" not to ask about Perry as she had been a guest on the show last week (07Jun12). Brand retaliated, ""Will people sit and think, 'Oh, that's odd.' What I would have done, mate, in your position is come up to me before the show and gone, 'Listen, it's a bit odd that your ex-missus was on last week. I might mention it, is that OK?' But in all of the chatting and the research backstage, no one mentioned it."" When Brand finally chatted about his failed union, he said, ""Some human beings get married and hopefully it works out for them and maybe it won't. If people get divorced, maybe that is a sad thing."" The heated exchange was edited from the episode when it aired on Friday (15Jun12).   Read more: http://www.abc2news.com/dpp/entertainment/celebrity/Russell-Brands-TV-outburst-over-Katy-Perry-questioning_85350634#ixzz1yCips8Fo"


"This is the best tl;dr I could make, [original](https://projects.propublica.org/graphics/gdp) reduced by 95%. (I'm a bot) ***** > A recent report from the National Academies of Sciences, Engineering and Medicine found &quot;Little evidence that immigration significantly affects the overall employment levels of native-born workers.&quot; While not all people are affected by immigration the same way many studies have concluded the same thing: that immigrants by and large don&#039;t displace native-born Americans, and in fact sometimes actually create more jobs for the people already in this country.  > Even during periods of extremely high immigration such as during the late 1990&#039;s and early 2000&#039;s, and including estimates of unauthorized immigrants, the U.S. only took in around 2 million immigrants per year.  > It&#039;s Not Only About GDP. Of course, the question of how immigration impacts GDP is a small slice of a much broader question of how immigrants and immigration policies affect our economy.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6oe39h/the_immigration_effect_theres_a_way_for_president/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~171199 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*: **immigrant**^#1 **Immigration**^#2 **work**^#3 **percent**^#4 **growth**^#5"


Just as a renter doesn't care what the landlord's mortgage is, the buyer of a house shouldn't care what the seller paid, what the current mortgage is, or any other details of the seller's finances.  Two identical houses may be worth $400K. One still has a $450K loan, the other is mortgage free. You would qualify for the same value mortgage on both houses. All you and your bank should care about is that the present mortgage is paid or forgiven by the current mortgage holder so your bank can have first lien, and you get a clean title.  To answer the question clearly, yes, it's common for a house with a mortgage to be sold, mortgage paid off, and new mortgage put in place. The profit or loss of the homeowner is not your concern.


Outside of maintaining systems?  Some IT guys get plugged into quant roles, not so much of the hardcore analytics, but maintaining models, programming in different languages, etc.  Look at high frequency trading shops, they use engineers / math majors as their bread and butter to code algorithmic trading models.  Lots of data-mining goes into these models, pulling up enormous amounts of historical trading data, determining patters, modifying the data to compensate for new variables.   Hope this helps.


More moving parts will make your budget harder to keep track of, not simpler. Budget systems like You Need a Budget recommend simplifying your accounts, even if the various accounts give you specialized bonuses like rewards for restaurants or gasoline or travel. The effort of keeping track of all the options and accounts can outweigh the value you get from them. Instead, I recommend using a simple and structured budget system (like YNAB) that walks you through all of the steps toward building good habits and keeping them simple so that you can maintain the habit.


Aldi is run by like 2 people at a time.  Customers take their trash to use as shopping boxes and put the carts back for them.  They don't accept all methods of payment to avoid any fees.


Probably several years at least.  Maybe more like ten years. You need to watch a market for a substantial period of time to make money consistently. If you hit it big before then, you beat the odds that were against you.


I don't want to get in the middle of a fight between you and your fiancee. Well, I suppose if she gets mad at me she can't break up with me or anything. But I'd say that you were right. Say you took the job. After 3 months there are 3 possibilities:  The job becomes permanent. Hooray, everybody's happy. They say sorry, there is no long term position for you here, good bye. Now you've already quit your last job, this job is gone, and you're on the street. I don't know what the job market is like for people with your particular skills, but at the very least it would be inconvenient, and if you can't find another job quickly, you could be in serious trouble. They say they can give you a permanent job, but the pay, benefits, working conditions, whatever, will not be the same as they were for the temporary job. Now you're in a very poor negotiating position, as if you turn down any offer they make, you're unemployed. Something similar to this happened to me once: I quit my job to take a position with a contracting company. They placed me on a contract making a good salary, all around nice job. Then after a year I was told that the client wanted to turn this into a full time position. They were pleased with my work and were happy to hire me for the full-time job ... but the pay would be $15,000 less than what I was making as a contractor. I had already quit my previous job and moved to a new city. I had very little negotiating leverage. I basically had to take the job or be unemployed. @DStanley says you should have discussed this with your fiancee before making the decision. Fair enough, probably so. This is the sort of issue that can break up a relationship -- I mean radically different ideas about the proper balance between opportunity and security. Better to find out when you're engaged than after you're married. And if you were married you should certainly discuss such things with your wife and at least hear what she has to say before making a decision.


You can often convert the outstanding balance of a HELOC into a fixed-rate home equity loan, generally with the same bank.  Doing this can open possibilities to extend the term allowing for lower monthly payments, but resulting in a larger overall payoff cost. Most HELOCs allow for an interest-only payment or in some cases no-payment at all if you still have unused available credit. Not advising that you do this. If you are struggling with the size of the payment converting to a fixed-rate, fixed-term loan may be what you need. The key will be getting the term such that you can manage both the principal and interest that will be included in the payment.


"This is the best tl;dr I could make, [original](https://www.ceps.eu/publications/eu-and-israel-partnership-and-weight-history) reduced by 87%. (I'm a bot) ***** > &quot;If I have to choose between a small Israel, without territories, but with peace, and a greater Israel without peace, I prefer a small Israel.""  > Netanyahu&#039;s terms in office - he was prime minister in 1996-99 and again after 2009 - saw a sharp deterioration in relations with the EU. Seen from Jerusalem, the EU appears to be siding with the Palestinians; it is the Palestinian authority&#039;s largest donor, and some member states, including France, were early champions of Palestinian statehood.  > With Israel&#039;s domestic politics having shifted dramatically to the right over the past decade or so, a loss of power for Netanyahu&#039;s Likud party or the prime minister&#039;s removal over an ongoing corruption investigation would change little with regards to attitudes towards the Palestinians, and hence relations with the EU. At the same time, the regional setting, with wars ongoing in Syria, Yemen, and Iraq; low-intensity conflict in Libya; and increasing competition between Saudi Arabia and Iran, shows little sign of improving.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ywdm7/ceps_the_eu_and_israel_partnership_and_the_weight/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~206605 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*: **Israel**^#1 **Palestinian**^#2 **EU**^#3 **Israeli**^#4 **war**^#5"


"Not only is this a marketing gimmick masquerading as an article, but the principle survey question it cites appears to be pretty stupid (I say ""appears to be"", rather than ""is"", because nowhere can I find the actual wording of the question).  Compare the following questions:  ""What would make you happier, a better boss, or a pay raise?""  ""What would make you happier, exchanging your current boss for the best boss you've ever had, or a 50% increase in pay?""  In the first case---the question apparently asked in the actual survey---the responder is left to interpret the relative sizes of the proposed improvements to their job. There's no reason to believe they're considering changes of commensurate size, and in fact there may be systematic bias toward a more significant envisioned improvement in their boss.  Frankly, I would expect this bias, since a person's attitude toward their boss is often colored by the dictator-subject nature of their relationship. Let's be honest, we are predisposed to dislike people who have authority over us. When survey respondents are envisioning a ""better"" boss, they may very well be thinking about a boss who doesn't exercise that authority. But that's not a very realistic alternative, since such a boss would not be effective from the company's standpoint.  In the second question, the respondent has more concrete alternatives to consider. Their alternative boss is at least now confined by realism: this alternative boss had to have at least existed. Furthermore, the pay rise is well-specified.  Finally, any survey question on this matter suffers from the cheap-talk nature of surveys. If actually faced with this choice in the real world, would people put their money where their mouth is? I would hazard to guess that, as long as the pay increase was of a reasonable size, more than a few people who indicated ""better boss"" would ultimately take ""pay raise"" given the actual choice."


I would go here and play with the FASFA financial aid calculator to see if you qualify for grants, which is probably your ultimate objective.  It would seem to me that qualified retirement contributions do not count towards eligibility provided you are younger than 59.5, and even then it would be questionable.


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Don't follow the sheep.  Ice age, global warming, climate change, ect it doesnt matter.  They will spin this scam anyway they can.  A volcano eruption spews more carbon dioxide than man kind could in a life time.  There are liberals who want to destroy the economy to make us so desperate that we turn to communism.  They know that the best way to do that is to ruin the oil industry.  Open your eyes.


Actually we have bridges falling apart and crappy school systems because the government took it upon itself to get involved in those things.  If money would make schooling better, why has the quality of education decreased so much over the recent years while the money spent has increased?


I think you answered yourself. The rate difference is because of the base rates differences, and it's not worth moving money around because the rate conversions (even if the currency rates don't fluctuate) will eat up the difference.


"My suggestion would be""inclusive/ including 2% service charge"" or ""2% deductible towards service charge would apply"""


I'm not sure it is the best idea, but you can buy only 4 stocks generally.  As you alluded to, you should take notice of the fees.  Also note that many stocks trade at significantly lower prices than Apple's per shares, so you might want to factor that into your decision.  You could probably get a better feel for transactions if you bought say 50 shares of a $30 stock; then it might be easier to see what it's like to sell some, etc. Note that specific trading sites might have various limits in place that would pose as barriers to this sort of behavior though.


Volatility typically decreases when stocks rise except pending news events or fast markets.  It has a great impact of the premium of the option.


Just one more thing to consider: a friend of mine had some student loan debt left over from graduate school. Years later, through his employer, he was able to apply for and receive a grant that paid off the remainder of his student loan. It was literally free money, and a significant amount, too. The windfall was a little bittersweet for him because he had been making extra payments over the years. The cap on the grant was something like $50k and he wasn't able to use all of it because he had been aggressive in paying it down. (Still, free money is free money.) Sure, this is a unique situation, but grants happen.


Why are we pretending Mexico is some boiling cauldron these people are being thrown into? There are some areas to avoid for sure but if you aren't into illegal things and take skills you should have learned here and apply them there you'll be a big success in Mexico and you can visit US because Mexicans already get preference. And if you learn a skill you can come here on a work visa. I'm guessing people who act like this is a huge deal don't get out of the country much.


Oh so you've done the math then? Would you mind showing your work?   Newsflash: good luck isn't unique to rich people no more than bad luck is unique to poor people. To suggest there is an economic system that eliminates bad luck is to suggest you believe Huggy-lovee-feefee Land is an actual place.


"This is the best tl;dr I could make, [original](https://www.nytimes.com/2017/07/10/opinion/health-insurance-free-market.html) reduced by 71%. (I'm a bot) ***** > A believer in free-market medicine, Mr. Ryan has said about health care: &quot;You get it if you want it. That&#039;s freedom.&quot; Yet being given services without your consent, and then getting saddled with the cost, is nothing like freedom.  > Deep down inside, we all intuitively know that health care is not a free market, or else society would not allow me to routinely care for people when they are in no position to make decisions for themselves.  > If we believe that those lying there in their most vulnerable moments deserve a shot, then we need to push forward with the idea that health care, at its core, must be designed around a caring system that serves all people fairly.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6mg1al/dont_leave_health_care_to_a_free_market/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~163842 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*: **care**^#1 **health**^#2 **free-market**^#3 **want**^#4 **believe**^#5"


Hello, I'm a bot. I see you have mentioned Trump's golfing problem.  The current Trump golf count is at . . . **50**. . .costing US taxpayers a total of **$71,735,000** . More data about his excessive spending at my [*Trump Golf Counter*](http://www.golfwithdonald.com). The exact locations and dates of his golf trips can be seen [*here*](http://trumpgolfcount.com/displayoutings).


You should pay for school with cash. If you take out a loan, you are not really saving money; you are borrowing money. I do not think you will come out ahead borrowing a down payment at student loan rates.


I mean, how many movies can you ACTUALLY see per month? There are usually only like, 11 movies out every month. Unless you're just super bored and like to watch movies over and over again, there's not really a point in seeing one every single day.   Also, the subscription doesn't come with free concessions. Which is where theaters make most of their profits


People just see socialized program and more taxes and it's enough to put them in a rage. I don't get it. Like c'mon seriously look into it. We can't have profit be the motive for everything in this society. It wasn't always like this.


"Your are mixing multiple questions with assertions which may or may not be true. So I'll take a stab at this, comment if it doesn't make sense to you. To answer the question in the title, you invest in an IRA because you want to save money to allow you to retire. The government provides you with tax incentives that make an IRA an excellent vehicle to do this. The rules regarding IRA tax treatment provide disincentives, through tax penalties, for withdrawing money before retirement. This topic is covered dozens of times, so search around for more detail. Regarding your desire to invest in items with high ""intrinsic"" value, I would argue that gold and silver are not good vehicles for doing this. Intrinsic value doesn't mean what you want it to mean in this context -- gold and silver are commodities, whose prices fluctuate dramatically.  If you want to grow money for retirement over a long period, of time, you should be invested in diversified collection of investments, and precious metals should be a relatively small part of your portfolio."


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"Really?  Because at Tier 5 for electricity I'm paying 35 cents a killowatt hour.  And at $1 per watt for a panel,  and 5 hours of sunlight per day in California, that's 142 days for pay back (grid tie).  It seems like Solar panels are cheaper for the ""peak load"" issues.  i.e. when the sun is hottest and people are running their AC's the highest, then the solar panels are kicking in (Grid tie).    But using a battery to operate off grid doesn't seem feasible currently.  And using solar panels to generate non-peak electricity doesn't seem efficient either."


It's not the intent, it's the delivery. Real complaints go through management, HR, and legal departments, not open posts on internal social networks. There is a right way to do things which usually don't result in your getting fired.


Well people aren't going to travel across the country to a casino. The issue though is that Pennsylvania in paricular created new ones that are stealing business from AC. New Jersey has legalized onlline gambling to try to give them an edge to avoid bankruptcy. that is helping slightly and expected to help some break even by the end of the year. However, I seriously doubt a large number will survive. Three will have closed by the end of the year as it is.


"Retired at 27, I have been travelling for some time now and am looking to get back to working on a major project... whatever that might be. ""Idle hands are the devils tools"" or something like it.  This has been my philosophy: I plan to work till the day I die, but the hell if I will have to!  Having financial stability totally kills motivation, I feel that every day. Sometimes I just want to blow half the money I worked for just for a reason to work for it again. Maybe thats the trick? Blow enough to bring your retirement down to age 50 again, then start hustling it back up.    Unless of course you didn't 'make' the money in the first place. Then I guess you'll just have to find a hobby."


If you buy a new car, the odds that it will require repairs are fairly low, and if it does, they should be covered by the warranty. If you buy a used car, there is a fair chance that it will need some sort of repairs, and there probably is no warranty. But think about how much repairs are likely to cost. A new car these days costs like $25,000 or more. You can find reasonably decent used cars for a few thousand dollars. Say you bought a used car for $2,000. Is it likely that it will need $23,000 in repairs? No way. Even if you had to make thousands of dollars worth of repairs to the used car, it would almost certainly be cheaper than buying a new car. I've bought three used vehicles in the last few years, one for me, one for my son, and one for my daughter. I paid, let's see, I think between $4,000 and $6,000 each. We've had my son's car for about 9 months and to date had $40 in repairs. My daughter's car turned out to have a bunch of problems; I ended up putting maybe another $2,000 into it. But now she's got a car she's very happy with that cost me maybe $6,000 between purchase and repairs, still way less than a new car. My pickup had big time problems, including needing a new transmission and a new engine. I've put, hmm, maybe $7,000 into it. It's definitely debatable if it was worth replacing the engine. But even at all that, if I had bought that truck new it would have cost over $30,000. Presumably if I bought new I would have had a nicer vehicle and I could have gotten exactly the options I wanted, so I'm not entirely happy with how this one turned out, but I still saved money by buying used. Here's what I do when I buy a used car: I go into it expecting that there will be repairs. Depending on the age and condition of the car, I plan on about $1000 within the first few months, probably another $1000 stretched out over the next year or so. I plan for this both financially and emotionally. By financially I mean that I have money set aside for repairs or have available credit or one way or another have planned for it in my budget. By emotionally I mean, I have told myself that I expect there to be problems, so I don't get all upset when there are and start screaming and crying about how I was ripped off. When you buy a used car, take it for granted that there will be problems, but you're still saving money over buying new. Sure, it's painful when the repair bills hit. But if you buy a new car, you'll have a monthly loan payment EVERY MONTH. Oh, and if you have a little mechanical aptitude and can do at least some of the maintenance yourself, the savings are bigger. Bear in mind that while you are saving money, you are paying for it in uncertainty and aggravation. With a new car, you can be reasonably confidant that it will indeed start and get you to work each day. With a used car, there's a much bigger chance that it won't start or will leave you stranded. $2,000 is definitely the low end, and you say that that would leave you no reserve for repairs. I don't know where you live or what used cars prices are like in your area. Where I live, in Michigan, you can get a pretty decent used car for about $5,000. If I were you I'd at least look into whether I could get a loan for $4,000 or $5,000 to maybe get a better used car. Of course that all depends on how much money you will be making and what your other expenses are. When you're a little richer and better established, then if a shiny new car is important to you, you can do that. Me, I'm 56 years old, I've bought new cars and I've bought used cars and I've concluded that having a fancy new car just isn't something that I care about, so these days I buy used.


Shorting the Euro is the same as staying long the dollar, so if you're in the US you don't need to do anything. If you want to make some serious money you would want to either short specific European bank stocks, or buy puts on some of the European indices.


"My father said it best to 17 year old me, ""when you have money you'll be more conservative too.""  Sure enough mid 30s me is more conservative and pissed off at people getting free stuff from my taxes."


I have lived in communal houses. Most people don't want roommates. Especially if that means having several kids.  I feel like your arguments are practical, I suppose, but not realistic. If I had 3 kids right now, if anything I would probably be earning less money because my flexibility would be much less. I couldn't pursue an education to earn more money because I would still have bills to pay for my kids. My parents are poor, and they live in an area that my job options would be about 3, and none would pay much more than minimum wage. I am 26, but I have known plenty of 19 year old single moms who just aren't able to get a job that pays well enough to support them, and again, they have few options to develop new skills. I guess you can say it is their fault, but we can hardly say that subway shouldn't have to pay them overtime or what is really less than a living wage. Economists and reality have shown us time and time again that more wages overall means a healthier economy. Every state that has raised wages in the past few years is better off because of it. Every state that has done so has seen their economy grow, and joblessness go down.


There are a few scenarios I see possible:  1. Risk parameters in the algo were set very conservatively. Putting quotes out and canceling them is very common.   2. It was looking to exploit situations where someone rips through the book with a market order.  3. It was reacting too slowly to signals, and chasing opportunities that had already passed.   Other comments: What do you believe front running is? Your version differs from the textbook definition.   Quote taxes are more effective than minimum order durations. I wrote about how that works in a previous post in this thread.


Literally not a single word of your comment is true.  1) They just posted 26.9% gross margins, up 1.4% since last quarter, with zero ZEV revenue.  2) Your 11,000 number is completely made up, particularly given that they had zero ZEV revenue.  3) What competition?  Name a car.  There's nothing.  Nothing out and nothing on the horizon.  4) Again, literally on that very same call, they said they've shaved hundreds of pounds off of the Model S since it started production due to improvements in battery technology.  Batteries improve 8-10% every year.  Everyone knows this.


Hey man, help is help and I appreciate anything and everything. The best piece of business advice I ever got was to always look at your company from a consumer's point of view and that perfectly lines up with what you just said.   I'd love to see what you have.


I accidentally bought gems on Clash of Clans due to the finger print id, and I bought it on an american express gift card. But when I remembered I used up the gift card until it was at $0 and I still got the gems? Do I tell apple or what? Also could the gift card be overdrafted?


I heard some financial institution ask for $25 withdrawal fees on TFSA. Watch out for it. TD told me. I will doublecheck. RBC do not charge withdrawal fees. I will check that too.


Studies suggest people aren't comfortable around others who are way poorer or richer than they. You sound like a rational adult. You would be surprised how weird people associate with money.   Also, if we compare to earlier period it can only account as far as the same people in question were alive e.g not a generation before. Why? Because people can't understand how it was to live differently without actual experience.   Yes, the majority of the world lives better today but we also have much higher expectations, that needs to be accounted for.   Another matter is the rising cost of living expenses. Real estate doesn't seem to be dropping and that easily adds to financial anxiety when due to globalisation and technology the job markets become unstable.


Applying for a mortgage is a bit of paperwork, but not too bad of an experience. Rates are pretty tight, if one lender were more that 1/4% lower than another, they'd be inundated with applications. Above a certain credit score, you get the 'best' rate, a search will show you the rates offered in your area.  If you are a first time buyer, there are mortgages that might benefit you. If you are a vet (for non-native English readers, a veteran who served in the US armed forces, not a veterinarian, who is an animal doctor) there are mortgages that offer low-to-no down payment with attractive rates.  Yes, avoid PMI, it's a crazy penalty on your overall expense of home purchase. If banks qualify you for different amounts, it shouldn't be a huge difference, a few percent variation. But, the standard ratios are pretty liberal even today, and getting the most you'd qualify for is probably too much.  Using the standard 28/36% ratios, a bank will qualify you for 4X your income as a loan. e.g you make $50K, they'll lend you $200K. This is a bit too much in my opinion.  If you come up short, you are really looking to borrow too much, and should probably wait. If you owe a bit on loans, it should squeeze in between those two ratios, 28/36. But I wouldn't borrow on a credit line to add to the purchase, that's asking for trouble.


Ok, now Disney wants to endorse silly fanfics... Damn it, I feel a little sick after reading this. I do hope it's trolling and I'm too dumb to see it  On the business side of things, I do think overusing characters can be harmful. I know sales are great NOW, but these franchises need to have some time to rest and mature for a few years after such a great exposure. I get that intertextuality is Hollywood's new currency, but this has to be tied up carefully, like in the first Avengers movie, otherwise we get a rushed mess like BvS.


"I'm not intimately familiar with the situation in Australia, but in the US the powers that be have adopted an interventionist philosophy. The Federal Reserve (Central Bank) is ""buying back"" US Gov't debt to keep rates low, and the government is keeping mortgage rates low buy buying mortgages with the proceeds of the cheap bond sales. While this isn't directly related to Australia, it is relevant because the largest capital markets are in the US and influence the markets in Australia. In the US, the CPI is a survey of all urban consumers. If you're a younger, middle class consumer with income growth ahead of you, your costs are going to shift more rapidly than an elderly or poor person who already owns or is in subsidized housing, and doesn't spend as much on transportation. For example, my parents are in their early 60's and are living in the house that I grew up in, which they own free and clear. There are alot of people like them, and they aren't affected by the swing in housing prices that we've seen in the last decade."


In addition to above points : Interest earned on NRE accounts are tax free. But you can deposit any foreign currency except INR. Nothing is taxable. While the NRO account gives you a flexibility to deposit INR too, the interest will be taxable and tax will be deducted at source at the rate of 30.9%. It is necessary to convert the existing Indian local accounts to NRO as per the Reserve Bank of India circular: RBI/2007-2008/242 Master Circular No. 03 /2007- 08 . So basically you need:


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this is a bullshit post because of the politics involved. who gives a damn what who he votes for?  They belie the fact that the president is robbing the country blind and not paying their debts, along with the other ministers (her cronies).  Experience: I worked with the Argentine government for two years. $10,000 for a meeting! Argentina is an amazing country being crippled by this ex-call girl and her dead husbands friends


"Yeah It's mind boggling that people can't see the forest for the trees. The landscape has change completely post 2008. Different era, different set of rules.  I had a coworker back in early 2008 who was giddy as a school girl because he and his wife bought a $800,000 home. Of course he's now significantly underwater and his wife still can't find gainful employment. But they just had to realize the ""American Dream"" (TM)."


Something I heard while listening to a business news channel was that Boeing doesn't want to let another Airbus slip into the fray. Boeing never thought that Airbus was going to be a true competitor so they just didn't challenge them early in the process of them developing their aircraft business. According to the broadcast, Boeing doesn't want to let another competitor slip through with huge government subsidies without a challenge.


That's unlikely to be a good move.  After the penalties, you would have roughly $40k-$45k to apply to your debt.  But then what?  You'd still have $100k of debt, with no change in your income situation.  You would be sacrificing half of your retirement fund to reduce your debt by only a third. Two points from your question are notable.  First, you say your current job makes you eligible for loan forgiveness.  Second, you say you love what you do.  Given that, it sounds like it's likely you'll remain in your current job long enough to have your loan forgiven.  I would see this as a major reason to stick it out until that time.  It won't be painful from a work perspective, since you like the work (in contrast to someone who grinds through a job they dislike just to have their loan forgiven), but only from a budget perspective.  Also, since your income is less than $75k, you may be able to deduct the interest on a student loan payment on your taxes (see Publication 970), softening the blow somewhat. According to your numbers, your loan payment is a bit over 10% of your income.  That is not pleasant, but it doesn't seem out of the question that you could make it work through judicious budgeting.  It would depend on other aspects of your lifestyle and expenses (which you don't mention in the question, and which might go in a separate question if you start wondering how to do that budgeting).


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Sell the house, in the scenario you describe he is using the property as an investment with a $250 per month buy-in. This investment doesn't make a return right now and when you add in the cost of dealing with the tenant (even if he doesn't have those cost now, he will when they move out)he is out of more than $250 a month and he has no direct knowledge that the value will definitely increase. He would be better spent selling the house and putting the funds into an investment, even a risky investment. It will have less maintenance cost associated with the risky investment than the rental property.  Besides sitting on the property for 10-15 years would cost him 30-45k plus the cost of re-renting the house when empty.Not to mention the inevitable increases in taxes over that time which will either increase his deficit or eat up the rent increase he is able to charge. Don't take the loss on the sale, just short sale it and take the money and invest! One last thought... An alternative is to creatively finance a sale (take payments from a buyer until they can buy outright) that will cover the FULL mortgage and get him the price he needs. You can look up owner financing to find out more on how to do this. Hope this helps!


It's not personal, but simply a shift in the demographics that can be measured. Identifying those changes within the market, who is doing what and why, then reporting it to the board, is part of her job. Quality of food, dining experience, etc, etc are all things that should be reviewed on a regular basis. This is also more of an industry wide issue, as the changing tastes and expectations are finding more than just this one company struggling, as the CEO rightly points out.  The food has always been sub-par and vastly overpriced second tier fast food. The experience is usually as good as the food. This is the entire range of restaurants, TGI Fridays, Ruby Tuesday, Applebee's, etc, etc. They were popular and offered a reliable, if poor, meal wherever you went and quite popular. I've actively avoided them for years, unless in a position to refuse, or someone else was paying, which was usually both. But I was an outlier, and they understood there was little they could do to get me to come in. This is a demographic shift, not simply a blame game, and once identified, they then try to determine how to alter their model to match that shift.


Oh sure. There is no accounting for what people prefer. Some women need to be needed to be happy and some need to not be needed to be happy. It's going to depend on the woman as well as the man whether the relationship is working. I am not sure how they will ever account for those differences (parent-child vs. peer-peer preferences in a relationship).


Why not open an USD account or subaccount in Czechia and then transfer the money using an UAE bank that supports transfers in USD. If you don't want to open an USD account in Czechia, it'll get converted when received there into the currency of your account but at their conversion rate which probably isn't good. Alternatively, use Transferwise which might or might not be cheaper.


"One study found that, while people using gift certificates bought no more items than those who used cash, they tended to spend more per item. In ""Study 3"" the paper ""Monopoly money: The effect of payment coupling and form on spending behavior"", sets up a case where shoppers are given $50 in cash and $50 in gift certificates (the leftover of which can be exchanged for cash). They were asked to choose different brands and types of items to buy. They study found that There was no difference in the number of items purchased as a   function of payment form for scrip However means across all product categories show that   participants spent more per item when they were given [the gift certificate]"


"The credit card may have advantages in at least two cases: In some instances (at least in the US), a merchant will put a ""hold"" on a credit card without charging it.  This happens a lot at hotels, for example, which use the hold as collateral against damages and incidental charges.  On a credit card this temporarily reduces your credit limit but never appears on your bill.  I've never tried to do it on a debit card, but my understanding is that they either reject the debit card for this purpose or they actually make the withdrawal and then issue a refund later.  You'll actually need to account for this in your cash flow on the debit card but not on the credit card. If you get a fraudulent charge on your credit card, it impacts that account until you detect it and go through the fraud resolution process.  On a debit card, the fraudulent charge may ripple through the rest of your life.  The rent payment that you made by electronic transfer or (in the US) by check, for example, is now rejected because your bank account is short by the amount of the fraud even if you didn't use the debit card to pay it.  Eventually this will probably get sorted out, but it has potential to create a bigger mess than is necessary. Personally, I never use my debit card. I consider it too risky with no apparent benefit."


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You're overthinking it. The ISA limit applies to the amount you invest into the ISA. In your example, £10,000. Whether that then fluctuates with performance is irrelevant. Even if you realise aprofit or a loss, nobody is watching it. You merely count the amount you originally contributed into the ISA wrapper. When they add up to £15,000; that's the limit reached. (And by the way, remember that only money going into the ISA is counted. It doesn't matter if you -let's say - put £15k in, then remove 10k. You've reached the limit. You don't again have the chance to put £10k 'back in'.


It is the people who you bought the ticket from. Blocking is frequently done by hotels, gas stations, or rental car companies. Also, for anything where the credit card might be used to cover any damages or charges you might incur later as part of the transaction. In essence, they are reserving part of your credit limit, ostensibly to cover charges they reasonably expect you might incur. For example, when you start pumping gas using a credit card they may block out $100 to make sure you don't pump a full tank and your credit card is declined because you ran over your limit at $3.  In general, the blocks clear fairly quickly after you settle up with the company on your final bill. You can also ask the company to clear the block, but I don't think they are required to by law in any specific time period. It may be up to their (and your) agreement with the credit card company. Normally it isn't an issue and you don't even notice this going on behind the scenes, but if you keep your credit card near its limit, or use a debit card it can lead to nasty surprises (e.g. they can make you overdraw your account). One more reason not to use debit cards. More information is available here on the Federal Trade Commission's website.


Paytrust seems to be the only game in town.  We've changed banks several times over the last 15 years and I can tell you that using a bank's bill pay service locks you in, big time.  I loved paytrust because I could make one change if we changed banks.  If you're using a bank directly for your bills, the ides of recreating your payee list is daunting.


If you are referring to college tuition forgiveness, it is not stealing. College shouldn't cost so much in the first place, just look at most developed countries. My god you hyper capitalists are so brainwashed thinking the system you were raised in is the best there is when it reality it is horribly unfair and detrimental to countless lives. It is sickening how someone like you wants to see others suffer because you place yourself above them since you see yourself as being more responsible. Since you paid your loans, no one else's should be forgiven. But your stance would do a 180 if you just graduated school and after countless applications and interviews the only job you are able to get with your degree barely covers your living expenses, let alone loan costs. In that scenario loan forgiveness might sound more appealing.


"And the absolutely brilliant punchline: who do these regulators and leaders"" think will be the purchasers of said debt? Why other systemically important, TBTF banks of course! Which means that, in the by now quite familiar ""daisy-chaining"" of counterparties and collateral, once one bank fails, its exposure via collateral, repo and certainly, funding of other bank balance sheets, everything will promptly freeze as risk reprices, a la Lehman bonds."""


"What Ben fails to see is that when people say ""healthcare is a right"" what we mean is that ""healthcare should be an affordable right"". Those who want it would gladly pay for it if it was reasonable, affordable and easily accessible. Sadly, it is not because pharmacies, doctors and medical institutions gladly drive up prices for profit. Healthcare is not affordable. The system is broken. Healthcare should be an affordable right for anyone as it is the basic premise in which we can work, contribute to society and drive the economy. Without our health we are useless. Ben is smart and I enjoy hearing his talks from time to time, but the guy lacks serious empathy and bed side manner in certain topics. This clearly being one of them."


"No, but you can better see who is making that profit possible.  I've worked for companies where some divisions were making a profit according to their books. But when you take into account the resources they were consuming, especially IT, they were really operating at a loss.  In the case of IT I don't think its beneficial to ""make a profit"", but they should at least charge the other departments their cost just so you can see how those other departments are impacting the company as a whole."


O boy you can take an entire on this. Here are the basics. Project future cash flows on a series of underlying assumptions such as growth rate and risk free rate. You then have to adjust top line items such as depreciation and come up with FCF. Then discount everything back with a terminal value.


In many instances church doors were exquisitely fashioned to provide a grand entryway for parishoners into their house worship.However, over the years, extreme temperature fluctuations, sunlight, and other weather conditions can wreak havoc on the wood, wood finish, and hardware.


As someone who used to be an IT contractor in the UK and used to work from home, my advice is to talk to your accountant in detail. It's been a few years, but IIRC you can write off some small stuff like proportional heating costs etc, but in my case it was so minuscule that it wasn't worth the effort. You're likely better off to just leave it. <subliminal message> Talk to your accountant :). </subliminal message>


Well, you're business/accounting acumen is nothing to brag about and your character is still out for judgment, though your insistence on trying to make this point despite being wrong is sort of working against you. Other than that, I don't know anything else about you to make that kind of assessment.  Though you are tenacious, I'll give you that. You keep arguing with me despite saying you were done with this. So that could possibly be a positive character trait.


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Your premise is flawed so I'm going to say you have no clue what you're talking about.   Apple is a hardware company first and foremost. Always has been, and likely always will be. So when they see the market they see software as something to give away because software sells hardware.  They make their bread and butter selling computers and device. Not mobile me accounts or OS X or iLife upgrades.   Microsoft is a software company through and through. When they see the market they see a world full of computers that can run their software for a fee.   But that well is drying up, manufacturers are leaving. So what does MSFT do? Get in the hardware game themselves. Because hardware sells software. That's the one and only rational they were willing to drop billions upon billions of dollars into Xbox and make it into an ecosystem.   Sony's problem is that they grew so big they're too big. Most people only see the surface consumer stuff, anchored by fancy TVs or PS3, but they do so much more within B2C and B2B.   Hell, Sony makes, produces, sells, distributes, plays, stores, transfers, enhances media content on various levels. But they're not best of class anymore on any level and the groups don't work hand in hand.   The company is melting down the same way America is melting down. Weak central leadership, competing ideology (how can a company that makes movies sell movie players?), and exponential levels of complexity.   Throw in the multinational field Sony operates in versus the much fewer countries Apple and Microsoft operate in and it's a gigantic mess.   I have a head for systems and big orgs but I do not envy the man that has to push that beast along.


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>I believe most of the people you would consider a waste were shaped that way by bad parents, a poor educational system, an economic system that prides itself on giving people as little as possible, and a society that implements emotional policies and glorifies violence.  I don't care why they are the way they are now. I just want to stop them from further making society worse  >Whether it's for better schools and family services or jail cells and police forces, I think you are going to end up paying for these people one way or another.  Sadly, it's currently both. They stay in school and make it harder for others to learn anything and we still end up paying them for family services or jail.


Bro, I code in what I feel comfortable in. I worked in banking for several years and can't hang up the suit...   Edit... jk, I got hired and I wore ripped jeans and a flannel to my interview. A dog pooped on my shoe once while working at my sick stand-up desk.


- What are you talking about? The rules are regulations are setup as needed. If you give a concrete e.g. maybe if you give a concrete example of where the govt is in the way I can understand. (rules and regulations are not examples of govt. in the way in itself. It would be if say you need to do something but you need to petition the govt. first for something and there's tons of bureaucracy or or something. Else, govt just set the rules such as Stop at Red Light etc.  Govt is not in the way here.   - The rest of your comments are on same line, so this one bullet is enough. Again, you're just accusing generally with no specifics. And I'm not naive. This is real and my opinion. Govt. sets new rules as needed as a response to something, not because people in the govt. who change every few years feel so. You're talking about changing people in govt. all adhering to the same laws because it makes sense to keep it and if not, it gets repealed. Govt. is not one same set of people always present from your birth to death. Govt. keeps changing. Govt. does care about fairness and HFT's existing is proof that govt. lets free market and private business start things as it pleases till such time as it stops being fair for all.   - Govt. is not really an inhibitor to free market. Govt. actually has no impedance to free market because it allows a fair and balanced free market unlike what you're referring to which is a free market with no rules like the Wild Wild West. We had that free market before and over time people went from unregulated markets to more regulated markets because it is for our own good. Govt. is just people who agreed with it, joined the govt and made it so and others agreed. If we don't agree in future, it can be changed.   - There is a term as regulated free market. Unregulated free market will lead to snakeoil salesmen and generally a backwards movement to the wild west again.  I don't think you really want to talk. You just want to spew your ignorant libertarian viewpoints because you've heard them somewhere without thinking much about it. You just blindly believe the govt. is always wrong with no logic or justification, just like religious people.   Just think on a few points and you will see that you are wrong sometimes. Is the govt. perfect? Heck no. Is it always right? Nope. But it is some times and it does do the right things many times. It does the wrong things at times as well.   But I don't believe like you do at all because I think for myself and reason. If you reason on a few points, you'll see the other viewpoint. And stop reading Stossel or Ron Paul because they're not right about govt. being always wrong either.   I won't bother replying to you anymore because you're just a troll or arrogant smug guy who thinks he knows it all because your friends all think like you and blindly agree with you. So you've never been taken to reason or logic like others have to you on this board. Look at the other replies to your posts - almost all contradict you. Just think why ? Are they all wrong or perhaps you are.


A loan that does not begin with **at least a 20% deposit** and run through a term of **no longer than 48 months** is the world's way of telling you that *you can't afford this vehicle*.  Consumer-driven cars are rapidly depreciating assets. Attenuating the loan to 70 months or longer means that payments will not keep up with normal depreciation, thus trapping the buyer in an upside down loan for the entire term.


The holdup is from the merchant.  To protect themselves, a merchant requires payment before giving you your purchased item/service. That is why you are charged immediately.  When getting a refund, the same reason applies. The merchant needs to ensure that you are returning the correct item, or that it is still good, or that you are not trying to defraud the merchant in some way. Once the merchant processes that refund, it is all over for them, and they have no recourse later if they find out they were cheated. That is why they wait a while: the delay gives them time to discover any problems.


1. Implement a 25% outbound IP royalty tax.  2. Put a 10% duty and health/safety inspection fee on all inbound food stuffs to be returned businesses HQed in the UK.  3. Charge a 0.25% tax premium per percentage point above Libor on intercompany loans.


"Generally, a share of stock entitles the owner to all future per-share dividends paid by the company, plus a fraction of the company's assets net value in the event of liquidation.  If one knew in advance the time and value of all such payouts, the value of the stock should equal the present cash value of that payout stream, which would in turn be the sum of the cash values of all the individual payouts. As time goes by, the present cash value of each upcoming payout will increase until such time as it is actually paid, whereupon it will cease to contribute to the stock's value. Because people are not clairvoyant, they generally don't know exactly what future payouts a stock is going to make.  A sane price for a stock, however, may be assigned by estimating the present cash value of its future payments.  If unfolding events would cause a reasonable person to revise estimates of future payments upward, the price of the stock should increase.  If events cause estimates to be revised downward, the price should fall. In a sane marketplace, if the price of a stock is below people's estimates of its payouts' current cash value, people should buy the stock and push the price upward.  If it is above people's estimates, they should sell the stock and push the price downward.  Note that in a sane marketplace, rising prices are a red-flag indicator for people to stop buying.  Unfortunately, sometimes bulls see a red flag as a signal to charge ahead.  When that happens, prices may soar through the roof, but it's important to note that the value of the stock will still be the present cash value of its future payouts.  If that value is $10/share, someone who buys a share for $50 basically gives the seller $40 that he was not entitled to, and which the buyer will never get back.  The buyer might manage to convince someone else to pay him $60 for the share, but that simply means the new buyer is giving the the previous one $50 that he wasn't entitled to either.  If the price falls back to $10, calling that fall a ""market correction"" wouldn't be a euphemism, but rather state a fact: the share was worth $10 before people sold it for crazy prices, and still worth $10 afterward.  It was the market price that was in error. The important thing to focus on as a sane investor is what the stock is actually going to pay out in relation to what you put in.  It's not necessary to look only at present price/earnings ratios, since some stocks may pay little or nothing today but pay handsomely next year.  What's important, however, is that there be a reasonable likelihood that in the foreseeable future the stock will pay dividends sufficient to justify its cost."


Well for most of the stuff Best Buy sells, Amazon and newegg can provide the reviews and info you need.  Experienced,  knowledgeable sales force is hard to come by and hard to keep and maintain.  That's why if they embrace the Web, help the customer get the info themselves, it's a benefit to them.


"Scenario 1: Assume that you plan to keep the parking space for the rest of your life and collect the income from the rental. You say these spaces rent for $250 per month and there are fees of $1400 per year. Are there any other costs? Like would you be responsible for the cost of repaving at some point? But assuming that's covered in the $1400, the net profit is 250 x 12 - 1400 = $1600 per year. So now the question becomes, what other things could you invest your money in, and what sort of returns do those give? If, say, you have investments in the stock market that are generating a 10% annual return and you expect that rate of return to continue indefinitely, than if you pay a price that gives you a return of less than 10%, i.e. if you pay more than $16,000, then you would be better off to put the money in the stock market. That is, you should calculate the fair price ""backwards"": What return on investment is acceptable, and then what price would I have to pay to get that ROI? Oh, you should also consider what the ""occupancy rate"" on such parking spaces is. Is there enough demand that you can realistically expect to have it rented out 100% of the time? When one renter leaves, how long does it take to find another? And do you have any information on how often renters fail to pay the rent? I own a house that I rent out and I had two tenants in a row who failed to pay the rent, and the legal process to get them evicted takes months. I don't know what it takes to ""evict"" someone from a parking space. Scenario 2: You expect to collect rent on this space for some period of time, and then someday sell it. In that case, there's an additional piece of information you need: How much can you expect to get for this property when you sell it? This is almost surely highly speculative. But you could certainly look at past pricing trends. If you see that the value of a parking space in your area has been going up by, whatever, say 4% per year for the past 20 years, it's reasonable to plan on the assumption that this trend will continue. If it's been up and down and all over the place, you could be taking a real gamble. If you pay $30,000 for it today and when the time comes to sell the best you can get is $15,000, that's not so good. But if there is some reasonable consistent average rate of growth in value, you can add this to the expected rents. Like if you can expect it to grow in value by $1000 per year, then the return on your investment is the $1600 in rent plus $1000 in capital growth equals $2600. Then again do an ROI calculation based on potential returns from other investments."


That's not really the point.  A small percentage of the 70% of the US population living within 150 miles will have disposable income to throw at marked up groceries.  Until someone can explain how this reduces overhead and lowers prices I'm just real skeptical.  Whole thing reeks of Webvan 2.0.  Walmart and Marc Lore are at least bringing creative ideas to the table.  The associate delivery for last leg is an interesting approach.


Most modern bank accounts can be set up to automatically pay bills for anyone, even someone who has no control over the account. This account would be in a trustee's name for the untrustworthy party. An automatic transfer could be set up from the source account to the irresponsible party's bank account to pay their allowance. It would be wise to remove all overdraft capability from the recipients account, but the whole system might help them learn some responsibility. There are more formal legal structures for forming a long term care-taking trust (with spendthrift provisions to protect the trust from legal action). The trust would need to be maintained by a trustee, resulting in maintenance fees on the principle. It might also help to know if there are legally recognized factors that impair the beneficiaries ability to take care of themselves (substance abuse, depression, age, mental impairment, etc.), but depending on state law, trusts can be designed very flexibly to cover the lifetime of an heir and even their heirs.


I don't see why people are up in arms about this.   These distributers have been holding consumers over a barrel for so long, from their Hard Back 3 months then soft cover release bull shit to text book rackets and retarded E-book pricing.     I'm glad Amazon is sticking it to these fucks, at least some one is standing up for the consumer here (Even if its just because if benefits them).   Just like when music went from CD's to Digital and record companies tried to strangle digital music sales to keep their hardware format monopoly alive.   These publishers are running e-books into the dirt by price fixing them to same price as physical books which is just as retarded as Magic the Gathering charging full price for packs on their online game.   Amazon is tired of pushing their over priced shit (that is only that price because of some paranoid business exec's that are afraid of change worrying about their hard back sales) because it hurts their kindle and frankly they dont need them.   For the average consumer books are so easy to pirate we are just skipping all the middle men entirely, but I think a lot of those people would mind spending 4-5$ for a book (At least soft cover prices, paying the Hard cover price for a god damn e-book is extortion).


The only time I took prescription pain killers was for legitimate pain and the only thing I got out of it was creamy poop. No buzz and frankly not much in pain relief. It's more like I just didn't care about it. I quit and suffered through. For the life of me I cannot understand getting addicted to it. Just smoke some cannabis. It's essentially harmless, non-addictive, and the worst thing you might to is eat an entire bag of Doritos.


people buy stocks because there is more to Return on Investment than whether dividends are issued or not. Some people want ownership and the ability to influence decisions by using the rights associated with their class of stock. Another reason would be to park capital in a place that would grow faster than the rate of inflation. these are only a few of many reasons why people would buy stock.


Having been in exactly this position (not in a debt hole, built a budget to get a better view of what spending is), I can say what the greatest gift it brings is: it's a decision tool. When you are spending out of only one account, you often make decisions based on the total money in the account. “Should we go out for dinner? Can I make this impulse purchase?” This is terrible, because many, if not all, of those dollars are already intended for certain future expenses like groceries, bills, etc. You can't see how many of those dollars are discretionary. A budget is like having many accounts. Instead of looking at your real account(s) to make spending decisions, you look at your budget lines. You to want impulse buy a gadget — do you have money remaining in a relevant budget line? If yes, the decision is yours, if no, the budget is telling you that you don't have dollars for that.* Similarly for more prosaic purchases — you want to splurge on some non-staple groceries to make a fancy dinner or try out a new recipe, and the budget line for Groceries will tell you if you can do that. Instead of looking at (e.g.) $6000 in a chequing account, you're looking at $600 (assigned) − $146.86 (spend) = $453.14 (available) in a monthly groceries budget line. Just like you can now see where your money has been going, by maintaining and using your budget lines, and having every single dollar you spend go through the budget (to show your totally assigned, total spent, and total remaining), you can continue to see where your money is going in near real-time. You're no longer looking at bills and statements to figure out what's going on and plan, you're looking at money flows and future intentions, as you should be. This approach to budgeting has completely changed our finances. So that's what a budget is for: real-time spending decision-making control over your money, which for us has translated into a lovely mix of painless austerity in spending categories where austerity is smart, and guilt-free spending in more indulgent categories because we have already determined exactly how much we can afford and wish to spend. * A budget line with insufficient funds doesn't actually take the decision entirely away from you though. If a budget line doesn't have funds to spare for a given purchase, you can still make the purchase — but now you're also making the decision to go and revise your budget, taking dollars away from other budget lines to adjust the line you've overspent, to keep the budget accurate.


The 'same day rule' in the UK is a rule for matching purposes only.  It says that sales on any day are matched firstly with purchases made on the same day for the purposes of ascertaining any gain/loss. Hence the phrase 'bed-and-breakfast' ('b&b') when you wish to crystalise a gain (that is within the exempt amount) and re-establish a purchase price at a higher level.  You do the sale on one day, just before the market closes, which gets matched with your original purchase, and then you buy the shares back the next day, just after the market opens.  This is standard tax-planning.  Whenever you have a paper gain, and you wish to lock that gain out of being taxed, you do a bed-and-breakfast transaction, the idea being to use up your annual exemption each and every year.  Of course, if your dealing costs are high, then they may outweigh any tax saved, and so it would be pointless. For the purpose of an example, let's assume that the UK tax year is the same as the calendar year. Scenario 1. Suppose I bought some shares in 2016, for a total price of Stg.50,000. Suppose by the end of 2016, the holding is worth Stg.54,000, resulting in a paper gain of Stg.4,000. Question.  Should I do a b&b transaction to make use of my Stg.11,100 annual exemption ? Answer.  Well, with transaction costs at 1.5% for a round-trip trade, suppose, and stamp duty on the purchase of 0.5%, your total costs for a b&b will be Stg1,080, and your tax saved (upon some future sale date) assuming you are a 20% tax-payer is 20%x(4,000-1,080) = Stg584 (the transaction costs are deductible, we assume).  This does not make sense. Scenario 2. The same as scenario 1., but the shares are worth Stg60,000 by end-2016. Answer.  The total transaction costs are 2%x60,000 = 1,200 and so the taxable gain of 10,000-1,200 = 8,800 would result in a tax bill of 20%x8,800 = 1,760 and so the transaction costs are lower than the tax to be saved (a strict analysis would take into account only the present value of the tax to be saved), it makes sense to crystalise the gain.  We sell some day before the tax year-end, and re-invest the very next day. Scenario 3. The same as scenario 1., but the shares are worth Stg70,000 by end-2016. Answer.  The gain of 20,000 less costs would result in a tax bill for 1,500 (this is: 20%x(20,000 - 2%x70,000 - 11,100) ).  This tax bill will be on top of the dealing costs of 1,400.  But the gain is in excess of the annual exemption.  The strategy is to sell just enough of the holding to crystallise a taxable gain of just 11,100. The fraction, f%, is given by: f%x(70,000-50,000) - 2%xf%x70,000 = 11,100 ... which simplifies to: f% = 11,100/18,600 = 59.68%. The tax saved is 20%x11,100 = 2,220, versus costs of 2%x59.58%x70,000 = 835.52. This strategy of partial b&b is adopted because it never makes sense to pay tax early ! End.


A bank can reject a loan if they feel you do not meet the eligibility criteria.  You can talk to few banks and find out.


Although the article makes a good point I can't help but think their blame is slightly misplaced.  Employers wouldn't be able to take advantage of workers if the workforce didn't come from a generation that has been taught since infancy that doing what they love is more important than money.  We all think we're entitled to our first career choice and so a lot of markets are flooded with eager applicants.  Supply and demand says that employers would be idiots pay someone a lot of money to do what thousands are lining up to do for free.


Amazon has 65% of the online book sales, online book sales account for 41% of the market of new book sales.  41% is not Amazon's Market share of all book sales.  Edit: Also, this article makes no sense. This makes much more sense, and includes this fancy thing called a GRAPH! http://www.businessinsider.com/amazon-is-about-to-lose-its-death-grip-on-e-books-but-its-not-a-big-deal-2010-2?op=1


>I want a president who is going to look out for the little guys.  Obama certainly wouldn't be your man then. Consider his insurance, and wall street ties; he's not for the little guy; he may say he is, but his actions and policy are obviously not for them.    Also, consider that you can be a CEO of a one man shop, and in fact, alot of start-ups begin this way.   What about them? Are they not 'little guys' - the ones willing to take the risk, spend their own money, and create jobs in local economies, or must we be dependent on the government for everything from regulating how much soda we drink to what healthcare plans we can or cannot use?


As for refinancing: Many institutions charge up-front fees when doing any type of vehicle loan. Typically this is in the neighborhood of 1% the value of the loan, with a floor of $100 (although this may vary by lender). However, for the loan the be secured by the vehicle, the principle value must be less than the collateral value. In your case, this means there is a collateral shortfall of $4,000. When working with a traditional bank, you would have two options: pay the difference up front (reducing the principle value of the loan), or obtaining a separate loan for the difference. This separate loan would often have a higher interest rate unless you have some other form of collateral to secure it with. I doubt CarMax would do a separate loan. All that being said, if you plan on selling the vehicle within the next twelves months, don't bother refinancing. It won't be worth the hassle.


For the pet owners it is very difficult to come out of the loss after the death of your beloved pet. Pet owners needs support in these times and by joining a group of friends can help to overcome the loss in many ways. Also get a cremation urn from Reallyurns to keep the ashes and remind the good times shared with the deceased.


What is a dividend? Essentially, for every share of a dividend stock that you own, you are paid a portion of the company’s earnings. You get paid simply for owning the stock! For example, let’s say Company X pays an annualized dividend of 20 cents per share. Most companies pay dividends quarterly (four times a year), meaning at the end of every business quarter, the company will send a check for 1/4 of 20 cents (or 5 cents) for each share you own. This may not seem like a lot, but when you have built your portfolio up to thousands of shares, and use those dividends to buy more stock in the company, you can make a lot of money over the years. The key is to reinvest those dividends! Source: http://www.dividend.com/dividend-investing-101/what-are-dividend-stocks/ What is an ex dividend date Once the company sets the record date, the ex-dividend date is set based on stock exchange rules. The ex-dividend date is usually set for stocks two business days before the record date. If you purchase a stock on its ex-dividend date or after, you will not receive the next dividend payment. Instead, the seller gets the dividend. If you purchase before the ex-dividend date, you get the dividend. Source: https://www.sec.gov/answers/dividen.htm That said, as long as you purchased the stock before 6/4/17 you are entitled to the next dividend. If not, you'll get the following one after that.


"You may want to look into robo-investors like Wealthfront and Betterment. There are many others, just search for ""robo investor""."


"This is the best tl;dr I could make, [original](http://www.bbc.com/news/business-40338220) reduced by 84%. (I'm a bot) ***** > Mr Varley, former senior investment banker Roger Jenkins, Thomas Kalaris, a former chief executive of Barclays&#039; wealth division, and Richard Boath, the ex-European head of financial institutions, have all been charged with conspiracy to commit fraud in the June 2008 capital raising.  > It relates to a &pound;2bn loan advanced to Qatar after the fundraisings were negotiated - the implication being that there was a money-go-round at work - Barclays was handing Qatar some of the money it was using to support the British bank.  > Barclays took &pound;7bn from Qatar in 2008, as banks scrambled to avoid nationalisation.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6icoej/barclays_charged_with_fraud_in_qatar_case/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~148352 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*: **bank**^#1 **Barclays**^#2 **charge**^#3 **Qatar**^#4 **Varley**^#5"


The Simon Wiesenthal Center is pleased to announce the appointment of Elliott Broidy, Chairman and CEO of Broidy Capital Management, to its Board of Trustees. 'Elliott is an exciting and important addition to our Board,' said Rabbi Marvin Hier, Founder and Dean of the Simon Wiesenthal Center. 'He brings with him a wealth of experience as a major philanthropist and a person deeply involved in international affairs.'


"You're confusing between ""individual"" 401k (they're called ""Solo-401k"" and are intended for self-employed), and Individual Retirement Account (IRA). You can't open a solo-401k without being self employed. You can open an IRA and roll over money from your old 401k to it. You cannot get a loan from IRA. You can ask the 401k plan manager to reissue the checks to the new trust, shouldn't be a problem. Make sure the checks are issued to the trust, not to you, to avoid withholding and tax complications. This is what is called a ""direct"" rollover. You might be able to roll the money over to the 401k of your new employer, it is not always allowed and you should check. You can probably then take a loan from that 401k. However, it diminishes the value of your retirement savings and you should only do it if you have no other choice (being evicted from your home, your children are starving, can't pay for your chemo, etc... this kind of disasters). Otherwise, I'd suggest rolling over to IRA, investing in funds with significantly lower fees (Vanguard target retirements funds for example, or index funds/ETF's), and reassessing your spending and budgeting habits so that you won't need loans from your 401k. Re companies - ETrade is nice, consider also Scottrade, TDAmeriTrade, Vanguard, Fidelity, Sharebuilder, and may be others. These are all discount brokers with relatively low fees, but each has its own set of ""no-fee"" funds."


Pilates is widely acclaimed physical exercise system that brings a smooth motion in the body by concentrating on stability and strengthening of the core.  In the beginning, a person may experience some rigidity in the body but later it enhances the speed of daily functionality.


"A budget is a predetermined plan for spending allocated funds to a fixed set of categories according to a schedule. If by,  ""Keeping track of your money"" you mean you are only recording your spending to see on what it is being spent and when, then the answer is no.  A budget has constraints on three things: Schedule:  The mortgage has to be paid at the 1st of the month with a 2 day grace period. Amount: The mortgage payment is 1500.00 Category: The mortgage. Tracking your money would be as follows: 10/5/2016: $25 for a video game. 10/5/2016: $129.99 for two automobile tires. 10/6/2016: $35.25 for luncheon. I didn't like him! Why did I blow this money? 10/7/2016: nothing spent...yoohoo! 10/8/2016: Payday, heck yeah! I'm financially solvent YET AGAIN! How do I do it?! See the difference?"


The chancellor announced an ISA in this week's budget intended for people saving to buy their first home. For every £200 put in the government will add £50 to the account so I would strongly encourage you to put the money into that as it is also tax free.


> Would you have worked just as hard though if you knew that whatever you do you will alwqas remain in the bottom 10%  This is not something that anyone can *know*... only something that someone resigns themselves to.  You can know that your current path is a dead end.  It's your choice whether to remain on that dead end path or turn around and try something new.


"But we aren't in a Malthusian world, at least for the moment.  Right now, with an exception made for extreme weather, basically every country on earth produces enough food to feed its citizens.  I don't personally have a problem with efficiency in food production, and using ""gross"" as a standard with food is not terribly helpful.  But the argument that we need this level of meat processing in America because people are starving just isn't a good argument."


Rapid prototyping is a group of techniques used to quickly fabricate a scale model of a physical part or assembly using three-dimensional computer aided design (CAD) data. http://rpgroupltd.com/rapid-prototyping/ provide the flexibility to order production in low quantities using processes such as CNC machining, vacuum casting with silicone moulds and low volume injection moulds until they are ready for higher volume options.