It can take a while for inflation to seep into all aspects an economy and be felt by a consumer. Often, things that consumers use the most (like gasoline, wheat products, corn products, soy products, and sugar), are commodities spread across global markets with their own pricing which may be impacted by inflation in any given country.  Also, inflation can be beneficial in some ways. A $500/month mortgage payment was a big deal 30 years ago, and now would be considered trivial. That's entirely because of inflation.  Run-away inflation, where people are burning the currency to stay warm, is a different beast altogether. Be wary of people who conflate inflation, consumer pricing, and destructive currency devaluation, because they're not the same things.


This depends very much on why A is making massive losses and how big they are in relation to B. If the group has a history of successfully launching profitable brands, and A is a new brand that has high expenses (production, marketing, etc.) but not yet generating much revenue, then despite the current losses it can be seen as a source of future profits. Or A might be established but currently undergoing an expensive remodelling that promises future success. Or B might simply be a huge cash cow that funds the losses of A out of petty cash.


There is a distinct difference between 'having a degree' and 'being genuinely smart and business savvy'. If you're genuinely smart and business savvy you could theoretically break into the business world with no degree and make a decent salary. The trouble there is that many people aren't smart and business savvy until they get a degree.  On the other hand, it's very possible to get a degree and be completely oblivious about how to conduct your career (poor resume / interviewing skills, no business sense etc). In that case an MBA might not be totally useful (but probably still will be to a degree). However, if you ARE smart about how you conduct your career, an MBA should help you immensely.


> How long will that transition take?  I guess it'll be as long as it takes me to become proficient enough to have value to a company.  > And why did you get into construction?  I like working with my hands and at the time it seemed like a good job with opportunity to gain skills that would help me in the future. It is and was, but at this point in my life, I feel the need to make a change.  > You mentioned CC debt as building the trade deficit and that isn't entirely true  I don't think that's what I said. I'm just tying up loose ends by replying to unread comments right now. About to get back to learning. If you can find the quote, I can address it.  > The deficit is a symptom/outcome of some of which you know, but the decisions businesses make to outsource doesn't just add to that, but builds a skill deficit. Manufacturing is a good example of businesses outsourced and that skill seeing less and less entry level work due to it, which inhibits choice of income.  That's correct.  > As for wages, a lot of countries have minimum wage laws, but to suggest one or another is disastrous for an entire country ignores a variety of economic factors that lead to a crap economy.  I was referring to a $15/hr minimum wage thrust upon our current economy. A dark part of me would actually love to see a parallel universe where it gets implemented and watch the turmoil that happens as a result. But yea, I agree, there are other factors also fucking up our economy.  My belief that a minimum wage is bad is something that I've come to believe recently, and it doesn't come lightly. The reason that businesses have gone over seas is because our workers couldn't compete on wages. Those people aren't being forced at gunpoint to work (with the exception of things like diamond mining). They chose to get those jobs because it was preferable to the alternative. So, let's say we never allowed jobs to go overseas and forced them all to stay here with high wages. Now the people in those countries are in a situation that is *worse* than working for low wages. I don't see non-americans as worth more or less than americans as far as inherent human value. Nobody is given a choice where they are born. So, I say, open trade everywhere and eliminate the minimum wage so we can compete. Sorry, I haven't really fleshed this out in my own words until this post (like I said, it's a new way of looking at the world for me).  As a non-sequitur, here's something you might find interesting: https://www.youtube.com/watch?v=3eyJIbSgdSE


Ah, but that's not how the game is played. There are no free lunches, but there are lunches that are free (or mostly free) to individuals. As someone on the receiving end of a pension, your only objective is to lock in the highest average payout. The cost of that will be borne by shareholders and customers of the business so a higher number is always better right up to the point that the company folds. And... because of the PBGC, there is a discount on the risk of the company being dragged under by its pension costs. Even if the company goes under, the pensioners still probably get *something*. Likewise, it's in a company's best interest to underfund pensions as much as possible. Paying pensions from free cash flow keeps the least dollars tied up in poor investments, leaving the company the most room to manage its assets efficiently. Likewise, corporate bosses also know that they can be aggressive with  pension promises, because they are *allowed* to under-fund those liabilities. It's a taxpayer-backed boondoggle; just because taxpayers aren't paying up-front doesn't mean they aren't the lender of last resort: that's just a political reality. There's no IRABGC waiting to bail *my* ass out if the market crashes.


you'll need 25k to start or 2k in multiple accounts, that way you have access to margin, and don't have to worry about Pattern day trading limits. Be right more than you are wrong. Go up look for 3x potential up vs down risk. Compound daily.  you can't double a penny every day every day for a month it becomes to difficult. but you can do 1%/day or maybe better. 2k compounded 1% every day becomes 75k at the end of a year (but you'll likely have to take weekends off, or look for other markets)


Lo más probable es que, a estas alturas, ya sepas perfectamente en qué consisten los microcréditos. Ahora bien, lo que quizá no sepas es que, en la actualidad, este tipo de alternativas de financiación han llegado a alcanzar e incluso superar la cifra de los 1000 euros ¡Infórmate!


Lot of factors in play. We use a lot of local produce but we need the volume to support, so if all you have is a few pallets it's not worth the logistical cost to get it out to the stores. We also inspect all of our produce so it's not as simple as delivering it direct to our stores because we do not know the quality. Smaller farms will usually try to get with a packer or broker so they can sell as much as they can without having to do the business side themselves.


I know this is heresy but if you have funds for significantly more   than 6 months of expenses (let's say 12 months), how risky would it be   to put it all into stock index funds? Quite risky as if you do need to dip into it, how fast could you get the cash? Also, do you realize the tax implications when you do sell the shares should you have an emergency? In the worst-case scenario, let's say you have a financial emergency   at the same time the stock market crashes and loses half its value.   You could still liquidate the rest and have sufficient funds for 6   months. Am I underestimating the risks of this strategy? That's not worst case scenario though. Worst case scenario would be another 9/11 where the markets are closed for nearly a week and you need the money but can't get the funds converted to cash in the bank that you can use. This is in addition to the potential wait for a settlement in the case of using ETFs if you choose to go that way. In the case of money market funds, CDs and other near cash equivalents these can be accessed relatively easily which is part of the point. A staggered approach where some cash is kept in house, some in accounts that can easily accessed and some in other investments may make sense though the breakdown would differ depending on how much risk people are willing to take. If it truly is an emergency fund then the odds of needing it should be   very slim, so why live with near zero return on that money? Something to consider is what is called an emergency here? For some people a sudden $1,000 bill to fix their car that just broke down is an emergency. For others, there could be emergency trips to visit family that may have gotten into accidents or gotten a diagnosis that they may pass away soon. Consider what do you want to call an emergency here as chances are you may not be considering all that people would think is an emergency. There is the question of what other sources of money do you have to cover should issues arise.


I could be wrong, but I doubt that Bernie started out with any intention of defrauding anyone, really.  I suspect it began the first time he hit a quarter when his returns were lower than everyone else's, or at least not as high as he'd promised his investors they'd be, so he fudged the numbers and lied to get past the moment, thinking he'd just make up for it the next quarter.  Only that never happened, and so the lie carried forward and maybe grew as things didn't improve as he expected. It only turned into a ponzi because he wasn't as successful at investing as he was telling his investors he was, and telling the truth would have meant the probability that he would have lost most of his clients as they went elsewhere.  Bernie couldn't admit the truth, so he had to keep up the fiction by actually paying out returns that didn't exist, which required constantly finding new money to cover what he was paying out.  The source of that money turned out to be new investors who were lured in by people already investing with Bernie who told them how great he was as a financial wizard, and they had the checks to prove it. I think this got so far out of hand, and it gradually dragged more and more people in because such things turn into black holes, swallowing up everything that gets close. Had the 2008 financial crisis not hit then Bernie might still be at it.  The rapid downturns in the markets hit many of Bernie's investors with margin calls in other investments they held, so they requested redemptions from him to cover their calls, expecting that all of the money he'd convinced to leave with him really existed.  When he realized he couldn't meet the flood of redemptions, that was when he 'fessed up and the bubble burst. Could he have succeeded by simple investing in Berkshire?  Probably.  But then how many people say that in hindsight about them or Amazon or Google, or any number of other stocks that turned out similarly? (grin)  Taking people's money and parking it all in one stock doesn't make you a genius, and that's how Bernie wanted to be viewed.  To accomplish that, he needed to find the opportunities nobody else saw and be the one to get there first.  Unfortunately his personal crystal ball was wrong, and rather than taking his lumps by admitting it to his investors, his pride and ego led him down a path of deception that I'm sure he had every intention of making right if he could.  The problem was, that moment never came. Keep in mind one thing:  The $64 billion figure everyone cites isn't money that really existed in the first place.  That number is what Bernie claimed his fund was worth, and it is not the amount he actually defrauded people out of.  His actual cash intake was probably somewhere in the $20 billion range over that time.  Everything else beyond that was nothing more than the fictionalized returns he was claiming to get for his clients.  It's what they thought they had in the bank with him, rather than what was really there.


If you own a medium sized or large online business, then buying or developing a shopping cart and integrating other required software with it will not solve your problem. You need a more extensive solution. Integrated ecommerce software consists of all the software you need in one place. You will can not only manage your online store.


Wow.  I'm disappointed that they are actively striving to get more women into those positions instead of actively striving for a pure meritocracy, in which the best candidate gets the job.    An objective study didn't conclude what they wanted it to, so let's change the rules so we can put politics ahead of the truth.


STEM activities which mean Science Technology Engineering and Math are the entire buzz in education. Kids enjoy finding out how things work out through hands-on projects, fun and educators love knowing that they are also preparing their students for their tech future. In this program, participants of STEM For Kids program will learn and know how to make a basic computer programs & codes for games etc. Get more details on hands-on projects on STEM For Kids at: https://gamedesignsummitforkids.wordpress.com/2017/09/25/hands-on-projects-on-stem-for-kids-2/


Advantage: more money.  The financial tradeoff is usually to your benefit: Given these, for having your money locked up for the average length of the vesting periods (some is locked up for 3 months, some is locked up for nearly 0), you get a 10% return.  Overall, it's like a 1.5% bonus for the year, assuming you were to sell everything right away. Of course, whether or not you wish to keep the stock depends on how you value MSFT as an investment. The disadvantage lies in a couple parts:


They also eliminate the risk associated with that loan, and get the money back to find a loan to someone else, possibly at a higher rate. It really is just about financially neutral for them.


"> They deficit spend. They increase prosperity and thus demand.  But what I'm saying is that there are more efficient ways of accomplishing this that doesn't involve any debt whatsoever. If the the debt money being spent is coming from your paycheck in the form of an increased cost of living then merely increasing the ratio of wages to capital returns would provide the same benefit without debt. In fact, this means of driving demand is so efficient that if you take it too far it'll drive stagflation when the cost to capital returns exceeds an optimal ratio.   >The interesting side effect is, that they are making the economy do better  Yes, it certainly does over a limited number of years following the debt incurred. But it is ONLY an economic benefit because that same demand has already been taken from the economy in the form of wage suppression. As a ratio of returns and not absolute values. If those wage returns were too high relative to returns, like in the 1970s in the US, then driving more demand through debt spending would be the opposite of a benefit. It's ONLY a short term benefit because that demand has already been taken from your wages.  >The government gives you more income than it takes from you in taxes.  This is true in more ways than one, and I'm not absolutely certain in which sense you mean it. In terms of say the earned income tax credit, it's nowhere near enough to cover the losses incurred through wage suppression. In terms of teachers, infrastructure up to a point, etc., these things have a productive return on investment.  >Every bit of cut spending removes income from the population.  No. Not that the spending cuts being done are anything but harmful and costing the economy. But paying people to count flies on roadkill is not helpful at all. And if it results in a net positive it's because the economy is in a bad state of mismanagement, with wages (as an aggregate ratio of returns) too suppressed for a healthy economy. It's like cutting people and saying it benefits the economy by increasing the sale of band-aids and driving demand for doctors. Of course the band-aids help, but it doesn't mean the policies that makes it a benefit anything but a cost.   Once wages, as an aggregate ratio of returns, exceeds an optimal ratio, [like in the 1970s](http://www-tc.pbs.org/prod-media/newshour/photos/2012/12/06/Andrew_Smithers_chart_blog_main_horizontal.JPG), then every new increase in demand results in a new deficit in supply that cannot be met due to constraints on capital returns. I call this a supply constrained economy, as opposed to the demand constrained economy we now live in. In this kind of economic environment there would even be any short term benefits to funding consumption with debt.  So basically you have two choices. Make everybody wealthy enough to match supply, while trying not to exceed it to avoid triggering too much inflation and encouraging investment in new productive capacity. Or suppressing wage returns too much relative to total returns inducing excessively low, and potentially negative, inflation. Making almost everybody much poorer than necessary. Then trying to fix the imbalance between supply and demand through debt spending. I would call the second choice a fools choice.  But none of this means that funding for teachers, social workers, etc., should go away. These things need their funding, and we should be paying the taxes to fund them. Not pretending that debt spending will let of have our cake and eat it to. It's like a pot luck dinner in which people bring IOUs in place of dishes until people are leaving dinner hungry because there's not enough to go around.  >Our economic trouble has nothing to do with efficiency and how much work needs to be done, and everything to do with how much money people have to spend.  That is in fact true in our present economic circumstances. But that situation was created by wage suppression relative to total returns in aggregate. But, as the 1970s demonstrated, the opposite can also be true. This realization is what drove the Reagan revolution. Only the Fed policy operates, monetary easing and all, on the assumption that this is driven by the employment rate, or [NAIRU](https://en.wikipedia.org/wiki/NAIRU). It's not. It's driven by the aggregate ratio between capital to labor returns. And leads to bad economic conditions differently at both extremes. Which is why they find our present economic situation an enigmatic mystery.   The mistake of thinking ""how much money people have to spend,"" i.e., strictly demand side driven economics, is what created the economic problems that lead to Reagan. Only now the power structure takes the opposite extreme. In which supply side driven economics has become an article of faith. This is why the older generation, like myself, say and believe such bat shit crazy things about the economy today. The same older generation now that now drives politics. Because they came of age in the 1970s when what you are saying would have been a phenomenally bad policy. A policy that gave us stagflation that many classical Keynesian's thought impossible before then. They can't believe something that was so bad can now be a good thing. But it in fact is. Because the important thing for prosperity and growth is the optimal balance between supply and demand. Not the argument over whether the economy is supply side driven or demand side driven. Because either of those agendas can push the economy out of balance.  Automation will pretty certainly change everything about economics in the coming years. But that is not why we are in the situation we are in at this particular moment."


"Some theory that is, it's probably even more basic than that.  ""We need to control this area so that Russia and China don't control it. Now let's come up with a million and one reason to justify it""  -probably some US foreign policy decision maker"


After collecting information via web searching, the comments above, and a additional call to BOA, i have concluded the following to the best of my knowledge. Zelle Transfers are final. Irreversible. As Jay mentioned above, funds are subtracted from the sending account before the transfer is made, therefore it eliminates sending funds that do not exist. I validated this information with BOA, and the BOA representative said that once a zelle transfer is initiated and the receiving party has received the funds, it can no longer be canceled. Funds received by the receiving party is credited immediately. I will note that the BOA representative was a BOA representative and not a Zelle representative. I say this because the representatives seemed to be slightly weary in answering my questions about Zelle, as if he was looking up the information as we spoke. If someone is reading this and plans to transfer huge amount of cash from a highly likely malicious user, i would recommend contacting Zelle or your personal bank directly to further validate this information. Zelle, from what i can find, is a fairly new technology. I could not find a Zelle contact number via the web for questioning, so i can only rely on the knowledge on my BOA representative.


I like your reasoning, the car is the most emotional product a person buys on average, that is true. But I still feel charisma has to have some impact on consumers. Presidential candidates do have an impact, celebrities do as well. Both academically proven. Did not Steve Jobs have an impact? Who knows... Nobody ever looked into it...


"Get fucked with that idiocy mate. You can cut the data seven ways to Sunday.   >""Americans absolutely confirm they believe America is the land of opportunity and that people should have equal opportunity if they have the skills,"" said Diana Elliott, research officer for the Pew Charitable Trusts’ Economic Mobility Project, in an interview. ""The data fly in the face of what Americans have believed and what they say they believe in our polling work.""   >Pew found that economic mobility is largely an accident of birth. Currier points to the fact that 66 percent of people born in the lowest two income levels remain there as adults, and exactly 66 percent of people born at the highest two income levels stay there as adults, a phenomenon called ""stickiness at the ends."" http://www.pewtrusts.org/~/media/legacy/uploadedfiles/pcs_assets/2012/pursuingamericandreampdf.pdf   >In particular, previous analyses of economic mobility in the United States and other industrialized nations reveal that the United States has less, not more, mobility than its northern neighbor. That is, one's family economic background is more likely to influence one's economic outcomes in the United States than in Canada. http://www.pewtrusts.org/en/research-and-analysis/reports/0001/01/01/chasing-the-same-dream-climbing-different-ladders  >One way to think of the estimated elasticity of children’s income with respect to their parents’ is to ask how much of a given income advantage observed in the parental generation is preserved in the children’s generation. Miles Corak exem- plifies this for the difference observed in the United States for families with children under the age of 18.15 The top fifth of such families have about 12 times as much income as the bottom fifth. If the intergenerational persistence of income was equal to one, that income advantage would be transferred in whole to the next generation. That is, the children of the richest fifth would have 12 times as much income as the children of the poorest fifth. If the intergenerational persis- tence of income were equal to zero, none of that advantage would be present among the children of these groups. Corak reported that U.S. estimates of the elasticity vary in the range of 0.4–0.6, corresponding to an inherited income advantage of between 2.70 and 4.44 for the richest fifth compared to the poorest fifth. Elasticity at these levels means that the children whose parents were among the richest fifth (i.e., parents whose income was 12 times that of the poorest fifth) grow up to earn about 3 to 4 times as much as the children whose parents were among the poorest fifth. Thus, their income advantage was roughly half that of their parents. http://www.irp.wisc.edu/publications/focus/pdfs/foc262g.pdf     All you logic 100 students can go Fuck a duck with your idiocy"


>A demand deposit cannot be lent out without inherent risk of systematic banking collapse  Actually, they can be and this happens every day. Inside every bank is a function called the treasury which is tasked with managing this operation - among other things. I have worked in a bank treasury as a quantitative analyst so I'm happy to answer any more specific questions you might have regarding how we manage liquidity.


"Taxability depends on residential status when the $ were earned. If it was earned during his status as ""Non-Resident"" in India, then its tax free. If the money was earned when his tax status was resident in India, then its taxable as per the tax bracket. Edit: Taxability does not depend on whether to transfer the money into India, or keep it out of India or bring it as Cash or Electronically. It only depends on NRI status. Of course transferring the funds into NRE makes the paperwork simpler in case there is a scrutiny."


You have to sit down with HR for the school district. The options involved with with parents working for the same employer can be handled multiple ways. Unless you are a very small district, this situation has come up before. They will tell you what they allow, and then you have to determine which one saves you the most money. Also look into how the deductibles will work with the two policies. You also need to look at options for the two policies. For example if there are different levels of dental: you may not want to cover an orthodontist  on the single plan.


Neither site offers index futures or options pricing.  Your best best is likely to get the quote from a broker who supports trading those vehicles. Free sites usually limit themselves to stocks and sometimes to options chains -- the exception is Reuters where just about any security for which you have the reuters formatted trading symbol can be quoted.


"The pension is indeed the clear winner and you haven't missed anything. It's easiest to just compare everything in current numbers as you've done and ignore investment opportunities. Given you expect to pay off your student loan in full, you should consider the repayment as a benefit for you too, so the balance is between £580 after tax and £1138 in your pension. As you say under the current tax regime you'd probably end up with £968 in your pocket from the pension. Some harder to value considerations: You might consider there's political risk associated with the pension, as laws may change over the years - but the government has so far not shown any inclination to penalise people who have already saved under one set of assumptions, so hopefully it's reasonably safe (I'm certainly taking that view with my own money!) Paying more towards your student loan or your mortgage is equivalent to investing at that interest rate (guaranteed). If you do the typical thing of investing your pension in the stock market, the investment returns are likely higher but more risky. In today's interest rate environment, you'd struggle to get a ""safe"" return that's anywhere near the mortgage rate. So if you're very risk averse, that would tilt the balance against the pension, but I doubt it would be enough to change the decision. Your pension might eventually hit the lifetime allowance of £1mn, after contributions and investment growth. If that's a possibility, you should think carefully about the plan for your contributions. If you do go over, the penalties are calibrated to cancel out the difference between higher-rate and basic-rate tax - i.e. cancelling out the tax benefits you outlined, but not the national insurance benefits. But if you do go over, the amount of money you'd have mean that you might also find yourself paying higher-rate tax on some of your pension income, at which point you could lose out. The lifetime allowance is really complicated, there's a Q+A about it here if you want to understand more."


>I've heard horror stories about their dev processes. Most of the tests failing being considered okay,**interns with root access to production db servers**, and other things.  I've had friends that interned at FB, and they told me this is true. Apparently it's a running joke that Facebook gets more unstable during summer, and every time the site slows or crashes it can be attributed to an intern pushing out bugged code.


What's the future of oil and its economic impact.  1. On one side, it's nice that some countries have decided to ban gas powered cars in 20 or so years along with the likes of Tesla and home solar power having some success.   2. But, we still need plastics and possibly a host of other chemicals produced from petroleum - so there will be demand, but of a smaller (?) or different kind.  3. There would be a huge upheaval (I imagine) in the industries in the current oil supply chains and also countries (Saudi Arabia for e.g.) and the global/ middle eastern politics too (?).


"Any kind of credit contract such as a mobile phone contract (could be SIM only or with a handset) would also help increase your number of accounts and demonstrate a track record of responsible management and repayments. If you have a Pay As You Go phone at present consider a SIM only contract with the same network, and if your parents currently pay for your phone consider if it would be worth switching it into your own name. Also make sure that you are registered on the Electoral Role at your permanent address and have at least a minimum payment direct debit set up on your credit card (even though you state you intend to repay in full) to make sure you don't forget a payment as this will disproportionately affect your score when combined with young age and few other accounts. Lastly ensure that you have a decent amount of ""head room"" on your rolling credit accounts like credit cards and aren't using more than 80% of the credit available to you through your monthly spending, if necessary by asking for an increased limit from your company (and then not using it)."


The Port Authority of New York and New Jersey has had a zero growth operating budget for something like, 4 years now, and employment level is at the lowest it's been in decades. The amount of work that needs to be done is still the same, so the fewer people have to work more overtime.


"The difference between dividend and growth in mutual funds has to do with the types of stocks the mutual fund invests in. Typically a company in the early stages are considered growth investments. In this phase the company needs to keep most of its profits to reinvest in the business. Typically once a company gets a significant size the company's growth prospects are not as good so the company pays some of its profits in the form of a dividend to the shareholders.  As far as which is the best buy is totally a personal choice. There will be times when one is better then the other. Most likely you will want to ""diversify"" and invest in both types."


"I cannot stress this enough, so I'll just repeat it:  Don't plan your finances around your credit score.  Don't even think about your credit score at all.  Plan a budget an stick to it.  Make sure you include short and long term savings in your budget.  Pay your bills on time.  Use credit responsibly.  Do all of these things, and your credit rating will take care of itself.  Don't try to plan your finances around raising it. On the subject of 0% financing specifically, my rule of thumb is to only ever use it when I have enough money saved up to buy the thing outright, and even then only if my budget will still balance with the added cost of repaying the loan.  Other people have other rules, including not taking such loans at all, and you should develop a rule that works for you (but you should have a rule).  One rule shouldn't have is ""do whatever will optimize your credit score"" because you shouldn't plan your finances around your credit score.   All things considered, I think the most important thing in your situation is to make sure that you don't let the teaser rate tempt you into making purchases you wouldn't otherwise make.  You're not really getting free money; you're just shifting around the time frame for payment, and only within a limited window at that.  Also, be sure to read the fine print in the credit agreement; they can be filled with gotchas and pitfalls.  In particular, if you don't clear the balance by the end of the introductory rate period, you can sometimes incur interest charges retroactively to the date of purchase.  Make sure you know your terms and conditions cold. It sounds like you're just getting started, so best of luck, and remember that Rome wasn't built in a day.  Patience can be the most effective tool in your personal finance arsenal. p.s. Don't plan your finances around your credit score."


shorting mbs required buying a cds. part of the reason demand for mbs was so strong was because the cds was so cheap, and it seemed like risk free profit.  more people buying cds would have decreased mbs demand.  mbs are a FI security, so lower demand=higher interest rates


If credit scoring works in the UK like it does in the US, then I think the fact that you own+use a credit card and pay off your everyday expenses will give you perfectly good credit.  Just keep doing what you're doing. I have seen people in the United States with very high credit scores based solely upon owning & occasionally using a credit card, paid in full and on time every month.


The problem here is that the metrics that are used to track the economy are looking for things like growth and change. In a perfect world, everyone would have exactly what they need and there would no need for economists because the economy would be static.


Right, he wrote that and is busted for price-gouging in multiple states (New York, California), so perhaps he's not really following his own model?  I don't associate corporate social responsibility (CSR) with deliberately overcharging customers.


It may have it's basis in Italian cuisine, but chains with cheap and fast pies that are made to be exactly the same wherever you buy them are fast food. Just because Taco Bell may have copied Mexican food doesn't make their concoctions Mexican food.


The economy. Which has a pretty strong effect on most people's lives. You can't throw 90% of energy subsidies to one part of the industry which produces a fraction of the rest of the industry without negatively affecting consumers (everyone). Because you're idealistic and don't understand that it is basic economics.   https://www.eia.gov/analysis/requests/subsidy/ Renewables get $15B + compared to about $4B combined for oil, coal, and natural gas, while producing only 13% of total energy.  So, you've got much larger industries in oil, especially, that receive less money for doing a more efficient job of providing energy. That means they can't lower their prices.  There's also a further $12B in subsidies for transmission or delivery.


"Other responses have focused on getting you software to use, but I'd like to attempt your literal question: how are such transactions managed in systems that handle them? I will answer for ""double entry"" bookkeeping software such as Quicken or GnuCash (my choice). (Disclaimer: I Am Not An Accountant and accountants will probably find error in my terminology.) Your credit card is a liability to you, and is tracked using a liability account (as opposed to an asset account, such as your bank accounts or cash in your pocket). A liability account is just like an asset except that it is subtracted from rather than added to your total assets (or, from another perspective, its balance is normally negative; the mathematics works out identically). When you make a purchase using your credit card, the transaction you record transfers money from the liability account (increasing the liability) to the expense account for your classification of the expense. When you make a payment on your credit card, the transaction you record transfers money from your checking account (for example) to the credit card account, reducing the liability. Whatever software you choose for tracking your money, I strongly recommend choosing something that is sufficiently powerful to handle representing this as I have described (transfers between accounts as the normal mode of operation, not simply lone increases/decreases of asset accounts)."


Your freelance income will not qualify you for the work-from-home deductions, for that you would need a T2200 form signed by your employer. But, you are allowed to be self employed as a sole-proprietorship while still being an employee of another company. If you take that route, you'll be able to write-off even more expenses than those you linked to. Things like a portion of your internet bill can be claimed, for example. But note that these deductions would only apply to offset the self-employment income, so if you're not earning very much from the freelance work, it might not be worth all the hassle. Filing taxes when self-employed is definitely more complicated, and many people will get professional tax preparation help - at least for the first time.


"Buying shares back is an indication that the company has nothing better to do with their money.  True.  However, buying the shares back is essentially moving money around, the firms (or individuals) they buy from, will invest their money differently.  Mergers and acquisitions are productive though.  The idea is that you combine things to work more efficiently.  For example, a small startup might have a great product but not a lot of infrastructure or cash.  So the big guys with both buy em up.  Or, big companies might have redundant expenditures in infrastructure or employees, and by merging they can produce more efficiently.  The term you keep using ""real economy"" is a strange one.  The above parties are part of the real economy.  Really.  What, may I ask, is your education in economics?  What books have you read on the subject, classes taken, jobs worked, podcasts listened to, etcetera, that are giving you these ideas?"


Yeah well I have 2 kids and they never gave her any leave. What I have found out is that even thou some companies offer it but they are not obligation to pay a woman for that time off.     So she can take it just not be paid.


"3) NOT to claim her as my dependent. No additional tax return (since   she is NOT my dependent), but also no penalty. My end of year balance   would be $0 No. Not claiming her as a dependent does not save you from being responsible for her penalty. You are responsible for her penalty if she is your dependent (i.e. she meets the conditions for being your dependent), regardless of whether you claim her on your tax return or not. If you have the option of claiming her or not, then she is your dependent, and you are responsible for her penalty. 26 CFR 1.5000A-1(c)(2)(i): For a month when a nonexempt individual does not have minimum   essential coverage, if the nonexempt individual is a dependent (as   defined in section 152) of another individual for the other   individual's taxable year including that month, the other individual   is liable for the shared responsibility payment attributable to the   dependent's lack of coverage. An individual is a dependent of a   taxpayer for a taxable year if the individual satisfies the definition   of dependent under section 152, regardless of whether the taxpayer   claims the individual as a dependent on a Federal income tax return   for the taxable year. [...] Form 1040 instructions, Line 61: [...] If you had qualifying health care coverage (called minimum essential   coverage) for every month of 2015 for yourself, your spouse (if filing   jointly), and anyone you can or do claim as a dependent, check the box   on this line and leave the entry space blank. Otherwise, do not check the box on this line. If you, your spouse (if   filing jointly), or someone you can or do claim as a dependent didn’t   have coverage for each month of 2015 you must either claim a coverage   exemption on Form 8965 or report a shared responsibility payment on   line 61. [...] So you cannot check the box and must report exemptions for your sister, or report a shared responsibility payment. Form 8965 instructions, Definitions, ""Tax household"": For purposes of Form 8965, your tax household generally includes you,   your spouse (if filing a joint return), and any individual you claim   as a dependent on your tax return. It also generally includes each   individual you can, but don't, claim as a dependent on your tax   return. [...] Your sister is part of your tax household regardless of whether you claim her, and you must compute her shared responsibility payment for any months she did not have insurance and did not qualify for an exemption."


As a 19 year old if she can get SSDI instead of SSI her benefit amount will be calculated by her parents' contributions ... if either parent is deceased or over 62 then she qualifies for SSDI instead of SSI and I believe she would receive the full benefit amount. I'd guess that would be something in the $1400+ range.  I see no reason why you couldn't get married either way ... at least not from a financial perspective.  I'd be worried about being on the hook for her medical expenses. Therapy, meds, hospital visits, side-effects, etc ... that's a good way to spend the rest of your life owing millions.


(I live in the UK and along with my wife we both drive Volkswagen cars.) A few factors: VW is widely acknowledged as having some of the best diesel car engines.  -Now lot of people are questioning if diesel car will be outlawed. VM management has just said they don’t know what their workers are doing! The USA has made it clear they will create pollution law in a way that benefit their own car makers.   (E.g. they don’t care about CO2.) If not diesel cars, then it needs hybrid or electric cars to get good MPG – VM is not seen as a leader in these. Hybrid cars tend to be gas as diesel engines cost too much. VW is no longer looking like a nice safe investment!   I think VW will recover, but it may get worse for them before it gets better - trying to call the bottom of a stock is high risk.


I'm starting my 3rd year of college in a few months and it will be my first year at Rutgers university after having been at community college. I'm transferring in as a finance major, and if there are any recommended materials I should read over the summer it would be greatly appreciated.


"Can I claim a 20% of the interest paid over the period of Oct/2015 through Mar/2017 (18 months) when I file for IT returns this year in Mar/2017? Yes you can. Does my name not being the first name affect my eligibility of claiming the relief? No you can claim relief. Joint owners need to file a declaration on the quantum of relief claimed. Both can't claim 100%. Does that mean I my claiming the 20% relief on interest (and the remaining 80% over subsequent years) is in effect moot as my ""taxable"" income cannot go negative (meaning the govt cannot/will not return some money I have paid as IT in prior years)? If you have no other income on which tax is payable; then Yes it is irrelevant. Does that mean as long as I continue to work in the US (already having become a NRI), have little or no income in India, I cannot claim any future relief regarding the principal or interest? Yes that is right."


Do you have any support for the statement that IL pensions are 'among the most generous in the entire country'.  When last I looked at some data from an AEI study ca. 2015, IL wasn't toward the top.  It isn't the terms of the pensions as much as fiscal mismanagement in funding them.


On last nights episode of The Profit Marcus made an offer to the owner of a coffee company. The owner said up front he has 51% with the remaining 49% split between two early investors.  Marcus asked for 40%, said the owner will have 40% and the investors will be reduced to 20%.  Question is how can the owner agree to that deal and take equity away from the investors? It's not his percentage to sell.


"Your source does not support the claim above that ""foreign buyers are screwing everyone, particularly upper middle class people from China"". Foreign direct investments are beneficial to the economy and knee-jerk protectionism does more harm than good. Sure, in the short term, an increase in real estate investment will increase property prices due to the rise in demand. However, housing developers and tenants will respond by increasing the supply of affordable housing elsewhere eventually reaching price equilibrium. There will always be displacement in a dynamic and robust economy but I guess it's easier to make out foreign investors as the boogeyman."


> Well, you still have to pay to ship & store paper, ink, binding materials, and book-binding printers & parts.  Sure, but now you're storing and shipping raw materials able to be used in any of the books they print, so you need much less of the raw material to be able to handle the demand of all your printed books.  You don't have to estimate so closely exactly how much of each specific book you need, or worry about ordering too many or not ordering enough. You just need to order 50 gallons of ink, 100 reams of paper, and so on, and if you miscalculate you don't need a shipment from back east or overseas or the distributor's warehouse 200 miles away to resupply you, you just walk across the parking lot to Staples and buy some more paper and ink.


I do this very thing, but with asset allocation and risk parity in mind. I disagree with the cash or bust answers above, but many of the aforementioned facts are valuable and I don't mean to undermine them in anyway. That said, let's look at two examples: Option 1: All-in For the sake of argument let's say you had $100k invested in the SPY (S&P 500 ETF) in early 2007, and you kept it there until today. Your lowest balance would have been about $51k, and at this point the possibility of you losing your job was probably at a peak. Today you would be left with $170k assuming no withdrawal. Option 2: Risk Parity BUT if you balanced your investments with a risk parity approach, using negatively correlated asset classes you avoid this dilemma. If you had invested 50% in XLP (Consumer Staples Sector ETF) and 50% in TLT ( Long Term Treasury ETF) your investments low point would have been $88k, and your lowest annual return would be +0.69%. Today you would be left with $214k assuming no withdrawals.  I chose option #2 and it hasn't failed me yet, even in 2016 so far the results are steady and reliably given the reward. My general opinion is simple: when you have money always grow it. Just be sure to cover your ass and prepare for rain. Backtesting for this was done at portfoliovisualizer.com, the one caveat to this approach is that inflation and a lack of international exposure are a risk here.


"That seems to happen a lot. A lot of awesome potential is utterly wasted because old people are in charge who are too used to things being _one_ way to see that things are changing. They figure that if they just stay put they'll anchor reality and things will stay the way they always have. They're vital, they're necessary, the world can't move very far without them!  Nope. Sorry. The world says, ""Bye!"""


The real utility of online groceries is coming around the bend, when you have the IoT capability to do automatic reorders of things you have just used up. Stores will still exist, but I believe that in the near future, shopping for your staples is going to be done automatically. [Suck it Jin-Yang.](https://i.imgur.com/I9ur6b6.gif)


>if the Millenials are still hard up for work), then employers will likely defer to candidates that they deem to be more mature.  Realistically, they would likely think the younger one is more mature.  Reason being, a Gen Y'er that has been unemployed for a while, companies make the assumption that there must be something wrong with them if noone hired them.  Not special to Gen Y though.  Anyone who is unemployed for a long period of time they make that assumption.  The longer you are unemployed, the less likely companies want to hire you, it's a vicious circle.


They better explode for their sake or this might be the beginning of the end for them. Especially since their website/domain hasn't been working correctly for them in the past days as well.  I also heard this was happening with Vazvu too, right? Something with the fact that their domain may have leaked, so I'm wondering who's going to snatch it up.


When you take any money out of an HSA, you'll get a 1099-SA. HSAs work a little differently than a 401(k).  With a 401(k), you aren't supposed to take any money out until retirement.  HSAs, however, are spending accounts.  I take money out of my HSA every year. As long as you spend the money you take out of your HSA on qualified medical expenses, there are no taxes or penalties due.  The bank that holds your HSA doesn't know or care what you spend the money on; they will certainly allow you to empty your HSA account.  Anything you take out will be reported to the IRS (and to you) on a 1099-SA.  At tax time, along with your tax return, you send in a form 8889, on which you report to the IRS what you took out of HSA, and you also certify how much of that money was spent on medical expenses.  If any of it was spent on something else, taxes and penalties are due.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-09-27/climate-shocks-may-cost-u-s-1-billion-a-day-as-planet-heats-up) reduced by 75%. (I'm a bot) ***** > Stronger hurricanes, hotter heat waves, more frequent wildfires and more severe public-health issues are all adding to the costs of climate change, which will reach almost $1 billion a day in the U.S. within a decade, according to a report released Wednesday.  > Total costs to address the impact of rising temperatures will swell 50 percent by 2027, to $360 billion annually, according to the study from the Universal Ecological Fund.  > If global warming goes unchecked, corn and soybean production may fall as much as 30 percent in the next three decades, costing farmers as much as $25 billion annually, according to the study.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/73888a/climate_shocks_may_cost_us_1_billion_a_day_by_2027/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~218914 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*: **economic**^#1 **study**^#2 **billion**^#3 **U.S.**^#4 **change**^#5"


I'd take a look at some graphs and chart the price of bitcoins and its value. You'll be surprised that it follows basically any other vehicle for money. There were several times where the price of bitcoin dropped drastically and ontop of that, there is a wide margin of error that could cost you your entire wallet with no equivalent to a FDIC insurance or possibility of government/federal intervention in the event of theft.


I don't see any reason to worry about a check being deposited via cell phone. There isn't anything you can write on a check to make it physical deposit only or similar.  If you really want to keep your check from being read electronically you could always smudge the numbers but you run the risk of the bank not cashing it and possibly getting a return check fee.


You should plan on your monthly payment (Principal + Interest + Escrow) being a conservative percentage of your take home pay.   No matter your cash savings, if your housing is 60% of your take home pay you are going to have trouble keeping up on the house. My target for housing is that a 15 year, fixed rate mortgage should be under 25% of my take home pay.   For some people, they find that too conservative.  I think the exact percent is a risk/reward preference.  Some people like the 25% number but look at a 30 year mortgage. Whatever you do, don't buy a house at the limit of what the bank thinks you can afford :)  Historically, they have been more willing for me to spend my money than I have been.


There's no rule of thumb but the purpose of candlesticks of any kind (fixed, volume weighted etc.) is to display the intra-period price action. So if you'd fit 3 years worth of 1 minute bars on a chart, candlesticks become useless and you might as well use a line chart.


Timeshare and resort packages are a popular option for people who take frequent vacations. But are they a good deal? Many people sign up due to attractive sales pitches but are then disappointed by the actual package. It's a good idea to read reviews from experienced travelers.


Funny how stealing becomes OK after you hit a certain limit of how much you steal and who you steal it from, isn't it?  People seem more and more to have some sense of entitlement and selfishness.  I read the article and got the sense that it said the corporations should not be allowed to go bankrupt so easily, where a lot of people here read it that common people should be allowed to be as dishonest as the corporations.  Hopefully, there are more people like you and me in the world, and less like the greedy ones.


"This is the best tl;dr I could make, [original](http://billmoyers.com/story/coal-small-kentucky-town-builds-healthier-creative-economy/) reduced by 94%. (I'm a bot) ***** > Another addition to the Hub is a housing nonprofit that aims to fund more affordable housing by encouraging a maple syrup economy in the area.  > The launch of Hemphill Catering and the success of the bluegrass festival help illustrate how Hub partners have rebounded from the loss of coal revenue to become more self-reliant and entrepreneurial-something the Hub promotes, Fink says.  > Efforts are underway to write a culture hub training curriculum for other poverty-stricken Kentucky communities and Hub staff have been meeting with other organizations in Kentucky and nationwide to encourage creation of other culture hubs.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6gy2sx/after_coal_a_small_kentucky_town_builds_a/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~142774 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*: **Hub**^#1 **Culture**^#2 **community**^#3 **Johnson**^#4 **work**^#5"


You'll need to read all the fine print with your particular credit card, but in general, if there is no annual fee and you don't make any purchases, you don't pay anything.


Well, there are many reasons that Lehman and Bear were allowed to go under. Lehman had much more exposure to real estate than Goldman and JP, and they were also the very first domino to fall, back when people didn't think the crisis was a full-blown crisis yet.  As for Bear? I think the Fed harbored some hard feelings after the LTCM thing.


I actually didn't do the math with your numbers, but I recall Sal from Khan Academy did a nice video about your question, challenging the notion that it is always better to buy. https://www.youtube.com/watch?v=YL10H_EcB-E


A student on F1 working under the conditions of the OPT program is exempt from FICA taxes. Once you switch to H1b - you no longer have the exemption. You can use form 8316 and form 843 to request the refund, if the employer cannot or will not refund the withholding. Employer is the first stop, but keep in mind that you have 3 years at most to request the refund after filing the tax returns for the year in question (or when they should have been filed, if you didn't). Detailed instructions here.


My employer offers a citrix based interface that I can connect to from anywhere and do work stuff. It's basically a virtual machine running somewhere on corporate servers, complete with Office package, access to my virtual drive, etc. I think that this sort of set-up is probably the way to go with BYOD, except it's a bit slower and more awkward than working directly on your device. But it still won't stop people from forwarding stuff to webmail, and neither will Siri and dropbox bans. The user is still the weakest link in any corporate security scenario.


Find the Best Joondalup Plumbers Online.  Having plumbing problems at your homes, offices or other places of business? Worry no more because you have already found the solution. Joondalup Plumbers is a one stop, one click online source of information that can present you with all the best plumbers and plumbing services available and reachable within the Joondalup locality.


"I didn't idly pick the SF Bay as my model. That place was literally ""Rust-Belt West"" after industrial contraction starting at the end of WWII and continuing through the '70s.   But the Silicon Valley boom didn't revitalize the former industrial areas, but merely a few 'gentrified' spots, *like where those buses originate*.  Those 400K new 'service/support' jobs *won't pay enough* to allow the workers to live *in the city*. They'll be commuting from *beyond* the upper-crust suburbs you mention, [just like these Californians](https://www.nytimes.com/2017/08/17/business/economy/san-francisco-commute.html)."


Sorry to hear about your situation.  It sounds like you would agree with the sentiment that we're being asked to put in more time without pay.  To be honest with you, I worked retail when I was in HS, and I have many friends who were serially employed in retail.  I've rarely seen retailers deviate from this pattern.  Managers are mostly idiots, and employees are treated like sub-humans.  Honestly, you just need to leave retail.  It sounds like you're biding your time until something better comes along - that's the right way to look at it.


"All this is completely true, but I was going for a more basic level theoretical.  In this case, yes, one person not paying of their loans would not hurt anything (except the person in question as you point out), but if ""people"" not paying of their loans *is* bad as it would rob money from the system (basically $0 of the $30 would come back, or at least so little that the banks stopped loaning).  While the government can inject money, that could only go so far.  Really, I was just trying to explain why not paying off loans was bad for the economy even though staying in sustainable debt is good for the economy (but not necessarily the individual).  Thanks for the info though."


Get a debit Visa Card and load it up. Be aware you may not be able to use it for check in. You could then use the maxed out card to check in, but pay with the debit Visa. You will still need to be solvent, you are still going to need to pay as you go.


You are not the person or entity against whom the crime was committed, so the Casualty Loss (theft) deduction doesn't apply here. You should report this as a Capital Loss, the same way all of the Enron shareholders did in their 2001 tax returns. Your cost basis is whatever you originally paid for the shares. The final value is presumably zero. You can declare a maximum capital loss of $3000, so if your net capital loss for the year is greater than that, you'll have to carry over the remainder to the following years. IRS publication 547 states: Decline in market value of stock.   You can't deduct as a theft loss the decline in market value of stock acquired on the open market for investment if the decline is caused by disclosure of accounting fraud or other illegal misconduct by the officers or directors of the corporation that issued the stock. However, you can deduct as a capital loss the loss you sustain when you sell or exchange the stock or the stock becomes completely worthless. You report a capital loss on Schedule D (Form 1040). For more information about stock sales, worthless stock, and capital losses, see chapter 4 of Pub. 550.


Here's how the police currently operate...  You are forced to fund them with your tax money, but if they fail to protect you or your property, you get NOTHING in return. If you pay a home owner's insurance company, and you get robbed or your house burns down... they fully reimburse you. What exactly are we getting for our police dollars? They come *after* the crime, and then put the criminal in jail at *our expense*. We lose both ways. It's pretty clear that insurance is preferable to police, and that insurance companies should expand their operations to include active security personnel to patrol their insured properties and people, while the government's police force should be disbanded and give us that portion of our taxes back.  I just want to get more people realizing what a con job government's monopoly services are in terms of what we get for our money. Every where the government services interface with us they involve forcing us to stop in some capacity. Their transportation vehicles stop in the middle of the roads (school buses and city buses), and their solution to intersections (stoplights) are pathetic in comparison to roundabouts which don't leave half the cars stopped at any given time. They spend $4-6 Trillion in wars against desert morons because the other branch of govt which was supposed to round up immigrants who overstayed their visas failed. WE pay for their failure. We've been forced to pay over $16 TRILLION over 50 years for welfare checks to people who are more likely stupid than intrinsically needy (i.e. poor due to circumstances rather than basic stupidity). $16,000 BILLION we could have had to fund on the things we want more of, such as space research, roads, better technology.


I think the key thing is flexibility - the money is not tied in with the offset mortgage. If you find a better investment, you can always take some of it out and put it towards that instead. Once it matures, if there is nothing good to reinvest in, then it can go back into the offset mortgage. Once you have had money in the offset account, even if you take it out, you have already (irreversibly) saved money on your mortgage. Right now you would be pressed to find an instant access ISA with a rate higher than 1.5%, so if you need immediate access, then the offset account seems good. On the other hand, for retirement, you might be saving longer term, and then you can get an ISA rate of 3%, currently, which may be better for a part of the money (or perhaps the upcoming Lifetime ISA with 25% yearly bonus may make sense for part of the money), if you do not need easy access to all of it. As Dilip says, this assumes you want safe investments.


"There are loans. Usually they're secured by the assets, and you also cosign them personally. Your own credit worthiness comes to play, your own assets are in jeopardy. As to what it is that you're buying - no, it is not necessary for the seller to sell you the building. You might buy the business, but not the actual space it occupies. In fact, the space may not even belong to the seller. You may find yourself taking over the lease, which is in fact a liability, not an asset. You should agree with the seller on what exactly it is that you're buying. You should ask for a full inventory list that would include all the assets and the liabilities that would be transferred to you. Lease, as mentioned, but you might also ""buy"" loans, debts, lawsuits, and god knows what else that is attached to the business."


"The simplest thing to do here is to speak to your employer about what is allowed.  This should be spelt out in your company's ""Stock Options Plan"" documentation.  In particular, this document will include details of the vesting schedule.  For example, the schedule may only allow you to exercise 25% in the first year, 25% in the second year, and the remainder in the third year. Technically I can see no reason to prevent you from the mix-and-match approach you are suggesting. However, this may not be the case according to the schedule specification."


"##Beef on weck A beef on weck (also known as beef on wick) is a sandwich found primarily in Western New York. It is made with roast beef on a kummelweck roll. The meat on the sandwich is traditionally served rare, thin cut, with the top bun getting a dip au jus and spread with horseradish.  The kummelweck roll (sometimes spelled ""kimmelweck"" or ""kümmelweck""), topped with kosher salt and caraway seeds, gives the sandwich its name and a distinctive taste.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index)   ^] ^Downvote ^to ^remove"


">How does ""doing business in"" something increase its value? By this logic, all businesses should be successful.  When you work, you are creating value. Even if your business fails within the first year, there's still all the value you have created such as: hiring handypeople to fix up your businessplace, hiring people to work at your business, buying office supplies, etc. Just because you didn't profit off of your business doesn't mean that other people didn't.   >you're basically saying ""Things are currently like X, therefore things should (and would) be like X under a different legal structure.""  How do you think the concept of money came about?   >I can't take this line of argument seriously, I'm sorry.  Why not? This is the reason that hedge fund managers and CEOs pay so little in taxes...most / all of their compensation is in stocks and bonds, taxed as investment income. If you were paid in gold, i'm sure you could claim the same.   >You're emotionally invested in a fiat paper standard.  That's sillie: i'm emotionally invested in a gift economy. I *accept* a fiat paper standard."


The intrinsic value of a company is based on their profits year on year along with their expect future growth. A company may be posting losses, but if the market determines there's any chance they will turn a profit one day, or be a takeover target, it assigns value to those shares. In normal times, you'll observe a certain P/E range. Price to earning ratio is a simple way to say the I will pay X$ for a dollar's worth of earnings. A company that's in a flat market and not growing may command a P/E of only 10. Another company that's expanding their products and increasing market share may see a 20 P/E. Both P/Es are right for the type of company involved.


Wait.. hold on, is this good news or bad news? I didnt see any information if these were good jobs? We all know some jobs a total shit, so did we add 209,000 shit jobs? Do these jobs pay a liveable wage, whats the quality of life these jobs will create? Will these jobs provide health care or require any government assistance? Will these jobs create greater social service dependencies because that wouldnt be anything to celebrate. At face value, these jobs could actually increase everyones taxes due to the fact the government supports low wage earners via food stamps, health care, etc. I believe this headline would hold a lot more weight if we had a better understanding of the facts.


I did you rude dude, one pullout is not a big deal, and it doesnt cost the state anything for the factory to not be built. They got tax breaks for a factory that never got built so they wouldnt have had to pay taxes anyway. There was nothing quantifying infrastructure costs incurred by the state.


You will need to register as self-employed aka sole trader (that's the whole point: pay taxes on income that you're not getting as wages from an employer, who would arrange PAYE/NI contributions), or set up a limited company (in the last case you would have the option of either getting paid as wages or as dividends — which one is better is a complex issue which varies from year to year). You'll find lots of advice on the HMRC website.


Yes, truckloads of cash. /s  It's exactly the same as your example, when people say to pay for a car in cash, they don't meany physical bills, but rather the idea that you aren't getting a loan.   In most acquisitions, the buyer will usually pay with their own stock, pay in cash, or a combination of both.


Lets not forget he dodged the draft because he was too big a coward to fight for his country, and now he is going to put Americans in Harms way because he wants to save face . . .this idiot belongs in the Looney bin


"Think that was the point. In fact the blog even says it. Because terrible customer service experiences are more common than not these days, a good one - even an adequate one - stands out.   And I don't think it resulted in ""I love the brand"". But it did result in the product and company remaining in the consumer's home (a form of marketing in itself)."


I trust the 401(k) was a traditional, pre tax account. There was no tax paid, and any withdrawals would be taxable. The account could go to zero, and there's no write off, sorry. I have to ask - were there any withdrawals along the way? What was it invested in that lost 90% of its value?  Edit - I'm sorry the OP came and went. It would be great to have closure on some of these issues. Here, I'm thinking as Duff said, malpractice, or perhaps a 401(k) that was 100% in company stock. Seems we'll never know.


Those terms apply for businesses operating in the US, yes. The main takeaway should be to think of whether or not you need access to tons of capital, will have substantial risk of liability, or will operate with a partner. If the answer to all of these is no, you should use the structure which is most convenient/best for your taxes. I would look up sole proprietorships and see if that matches the definition of a sole trader.


In my experience buy-to-let mortgages charge a higher rate of interest than an personal residential mortgage.  They are regarded as a business enterprise and presumably the banks calculate that they carry a higher risk.  A bank would probably take action if the property on an ordinary mortgage was rented out, as you would be breaking their terms.  Policies could be rendered void.  The terms on an ordinary mortgage disallow renting out the property.


You will likely need to open an account in another EU country, like a broker operating out of France, Britain or Germany, to get the best options.  If you are comfortable using an english language site and interface, I highly recommend Interactive Brokers as they let you trade in many markets simultaneously, have simple currency conversion, and great tools.  But, they are geared toward active traders so you might be better with a more retail oriented broker if you are new to trading stocks. There are many options.  Here is a list to start with:


Price doesn't mean anything.  Price is simply total value (market capitalization) divided by number of shares. Make sure you consider historical dividends when hunting for big yields.  It's very possible that the data you're pulling is only the annualized yield on the most recent dividend payment. Typically dividends are declared in dollar terms.  The total amount of the dividend to be issued is then divided by the number of shares and paid out.  Companies rarely (probably never but rarely to avoid the peanut gallery comments about the one company that does this) decide dividend payments based on some proportion of the stock price.   Between company A and company B paying approximately the same historical yield, I'd look at both companies to make sure neither is circling the tank.  If both look strong, I'd probably buy a bit of both.  If one looks terrible buy the other one.  Don't pick based on the price.


>Samsung’s revenue for the quarter was KRW 47.82 trillion, a decrease of KRW 3.87 trillion YOY  >The company estimated that the stronger Korean won against major currencies in the third quarter negatively impacted operating profit by approximately KRW 700 billion, mostly on the components business side.  Just so people know what is being remarked about here.


sure it is  they are saving on distribution  and paper costs  so they pass the savings onto you with increased costs.  so what it is a joy to read.  thats also a little less than half the price of my cable.  thats retarded.


I thought this was really thoughtful.  Thanks for sharing.  I work in SV and am pretty disturbed by the culture that is now starting to see the light of day.  I'm glad the light is finally being shone on it.  In my opinion, it is every bit as bad as it seems.


I am not sure whether this hold in all countries, but at least in the Netherlands my bank allows for investment in funds without charging transaction costs. The downside is that these funds charge an annual fee of about 1%, but for the amounts you are talking about this definitely sounds more attractive than the alternative. As an alternative, you could ofcourse just take care of the transaction costs. That way your child can see their funds develop as you put it into different stocks without being distracted by the details. Of course you feel the 'pain' but I believe the main lesson stands out most this way.


"The danger of overdrawing the account via the use of a debit card, and the exorbitant fees that can result make me hesitant to use a debit card. The ability to cover all the transactions with one payment is why I use a credit card for these ""debit"" transactions.  Yes there is a risk of a late payment, but that can be easily avoided within the three week grace period. The ability to electronically transfer the money to pay off the card makes this even easier."


That's not helping your case.   > WARNING This kit definitely contains dangerous things. While the xNT transponder device has undergone several quality checks during manufacture and has been put through a battery of tests with various private labs, it has not been tested or certified by any government regulatory agency for implantation or use inside the human body. Use of this device is strictly at your own risk.


I have worked for companies that have done this. One did have a match and the other did not. When they figured their profit at the end of the year a portion was given to the employees as a 401K deposit.  retirement-topics-401k-and-profit-sharing-plan-contribution-limits Total annual contributions (annual additions) to all of your accounts   in plans maintained by one employer (and any related employer) are   limited. The limit applies to the total of: elective deferrals employer matching contributions employer nonelective contributions allocations of forfeitures The annual additions paid to a participant’s account cannot exceed the   lesser of: 100% of the participant's compensation, or $54,000 ($60,000 including catch-up contributions) for 2017;  $53,000   ($59,000 including catch-up contributions) for 2016. So as long as everything stays below that $54,000 limit you are good. In one case the decision was made by the company for the employee, the other company gave us the option of bonus check or 401K. I heard that most of the employees wanted the money in the 401K.


"Look for states that have no income tax. A lot of these states supplement their revenue with higher property taxes, but if you rent and do not own property in the state, then you will have no state tax liability. Similarly, many states treat capital gains no differently than income tax, so if you make your earnings due to a large nest egg, then way you will still incur no tax liability on the state level Look for ""unincorporated"" areas, as these are administrative divisions of states that do not have a municipal government, and as such do not collect local taxes. Look for economic development perks of the new jurisdiction. Many states have some kind of formal tax credit for people that start business or buy in certain areas, but MONEY TALKS and you can make an individual arrangement with any agency, municipality etc. If the secretary at city hall doesn't know about a prepackaged formal arrangement that is offered to citizens, then ask for the ""expedited development package"" which generally has a ""processing fee"" involved. This is something you make up ie. ""What is the processing fee for the expedited development package, quote on quote"" States like Maryland and Nevada have formalized this process, but you are generally paying off the Secretary of State for favorable treatment. You'll always be paying off someone."


"You may be missing how countries like Canada may have oil be more of the GDP than countries like the US. In Canada, the lower oil prices may mean more of an economic slowdown with oil companies laying off staff, canceling projects and some companies probably going under as some provinces like Alberta are highly dependent on oil prices to drive most of the economy. In contrast, the US isn't quite as rich in Energy sources and thus may not have the same issues would be my guess. Context matters here. If the rate change helps everybody, doesn't that include the oil producing companies? I'd like to think so using basic logic. What if the main reason for lowering rates was the economic fallout of the decrease in oil prices? Consider that the there would be the question of, ""Why do this now?"" that has to be answered and the only main change is lower oil prices on a macroeconomic level."


The guy is crazy, but I thought revoking was harsh. The secret service interviewed him after a recent facebook post about buying a strand of hillary clinton's hair for $5k from her booksigning so he could check her DNA like the one he has a copy of.  If anything, he needs a padded cell not a max security prison cell. He's there until January now...


Enertec Windows is the best available option when it comes to double glazed windows. Whether you need them for your home, or even for a commercial property, we have all kind of window products that will suit every kind of need.


There are people whose strategy revolves around putting orders at the bid and ask and making money off people who cross the spread.  If you put an order in between the current bid/ask, people running that type of strategy will usually pick it off, viewing it as a discount to the orders that they already have on the bid/ask.  Often these people are trading by computer, so your limit order may get hit so quickly that it appears instantaneous to you.  In reality, you were probably hit by a limit order placed specifically to fill against yours.


So? If the executives have mismanaged the company (and let's not pretend that's what's happening here -- Sears has been being systematically butchered for years at this point, so it's _worse_ than ineptitude), _why the fuck are the executives getting paid instead of existing obligations being at least partially funded_?  If I go to work at a car wash and do such a shit job that I run half a dozen vehicles through the wash with all the windows rolled down, I'm probably not only getting fired, but I'm likely going to be on the hook for damages. Executives pretty much get away with anything that isn't literally criminal in a lot of these cases, and the fact that Sears has been getting parted out for _years_ makes it obvious that they knew full well that it'd be coming to this.


>Don't shakedown other less profitable industries to subsidize industries that are overflowing with cash.  Maybe I'm missing something, but I don't see how that is at all the case with what is happening here.   Their pay is in line with others in the industry. If you consider the cost of living where they are located, it is above average. If you are making an analogy such as a sports team that pays the industry average, ok, but I don't see the point.


"This is the best tl;dr I could make, [original](http://www.bradford-delong.com/2017/05/monday-smackdown-physics-professor-phil-price-the-nimbyist.html) reduced by 76%. (I'm a bot) ***** > Must-Read I disagree with Noah Smith: reading Phil Price convinced me that Phil Price is an idiot, that for many, many people NIMBYism is not a &quot;Flawed but serious package of ideas&quot; but rather &quot;Simple ignorance&quot;-or, perhaps, rather, very hard work to remain ignorant, in a way that is supportive of the &quot;Selfishness of incumbent homeowners trying to feather their own nests... [and] white people trying to exclude poor minorities from their communities while still appearing liberal...&quot;.  > Always remind people that the price of an apartment... doesn&#039;t come built into its walls and floors.  > Acknowledge that induced demand is a real thing, and think seriously about how new housing supply within a city changes the location decisions of people not currently living in that city.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ejttl/monday_smackdown_physics_professor_phil_price_the/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~133580 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **people**^#1 **apartment**^#2 **city**^#3 **think**^#4 **NIMBY**^#5"


"House prices do not go up.  Land prices in countries with growing economies tend to go up.  The price of the house on the land generally depreciates as it wears out. Houses require money; they are called money pits for a reason.  You have to replace HVAC periodically, roofs, repairs, rot, foundation problems, leaks, electrical repair; and all of that just reduces the rate at which the house (not the land) loses value. To maintain value (of the house proper), you need to regularly rebuild parts of the house.  People expect different things in Kitchens, bathrooms, dining rooms, doors, bedrooms today than they do in the past, and wear on flooring and fixtures accumulate over time. The price of land and is going to be highly determined by the current interest rates.  Interest rates are currently near zero; if they go up by even a few percent, we can expect land prices to stop growing and start shrinking, even if the economy continues to grow.  So the assumption that land+house prices go up is predicated on the last 35 years of constant rigorous economic growth mixed with interest rate decreases.  This is a common illusion, that people assume the recent economic past is somehow the way things are ""naturally"".  But we cannot decrease interest rates further, and rigorous economic growth is far from guaranteed. This is because people price land based on their carrying cost; the cost you have to spend out of your income to have ownership of it.  And that is a function of interest rates.  Throw in no longer expecting land values to constantly grow and second-order effects that boost land value also go away. Depending on the juristiction, a mortgage is a hugely leveraged investment.  It is akin to taking 10,000$, borrowing 40,000$ and buying stock.  If the stock goes up, you make almost 5x as much money; if it goes down, you lose 5x as much.  And you owe a constant stream of money to service the debt on top of that. If you want to be risk free, work out how you'd deal with the value of your house dropping by 50% together with losing your job, getting a job paying half as much after a period of 6 months unemployment.  The new job requires a 1.5 hour commute from your house.  Interest rates going up to 12% and your mortgage is up for renewal (in 15 years - they climbed gradually over the time, say), optionally. That is a medium-bad situation (not a great depression scale problem), but is a realistic ""bad luck"" event that could happen to you.  Not likely, but possible. Can you weather it?  If so, the risk is within your bounds.  Note that going bankrupt may be a reasonable plan to such a bit of bad luck.  However, note that had you not purchased the house, you wouldn't be bankrupt in that situation. It is reasonably likely that house prices will, after you spend ~3% of the construction cost of the house per year, pay the mortgage on the land+house, grow at a rate sufficient to offset the cost of renting and generate an economically reasonable level of profit.  It is not a risk-free investment. If someone tries to sell you a risk-free investment, they are almost certainly wrong."


From an Indian tax point of view, this transaction is not taxable to you or your father.


"If your fiancée took a title loan out on your truck you won't be able to trade it in for another vehicle until you pay the loan. The dealer will likely take your ""slightly newer"" truck back because you won't be able to produce the title for the trade until the other debt is settled. Title loans are a terrible idea. You should probably try to pay that loan off as quickly as possible regardless, because interest rates are terrible on these loans.  I will update this answer if you add details about the circumstances of the current loan on your truck."


Legitimate, yes.  However, cosidering the fact that Chinese working conditions are often far from ideal to begin with, that even though the salaries are increasing considerably, the majority  of people would never pay extra for fair trade. Organic , big city people with higher living standards, yes quite possibly considering the food safety issues. Majority, no way, too expensive.  Any business idea based on fair trade in China is nothing but wishful thinking in my humble opinion.


Cute little bookstores? I didn't know you had such contempt for them. I guess you've never been to one in your life other than to buy a sugary drink. Joke's on you, it's those drinks and the huge ass they've made in you what now has you strapped to your smelly sweaty chair clicking that filthy mouse with your clammy hands.


I think people would probably buy it more if the brand didn't have so much negative buzz... It's like, someone recently asked me why I bought a BB (hadn't I heard how much financial mess they were in?), and I had to explain that despite the company's poor stock performance, the keyboard still works just as great as ever, and I still really like the interface (personal preference). The company may appear to be sinking, but even worst case I think there's a few years left in them.


"I personally found the ""For Dummies"" books, on property investment, very helpful and a great primer. I found them unbiased and very informative, laying out the basic principles. Depending on your knowledge it can provide you with enough of a foundation to have an informed conversation with banks/real estates etc.  Watch the markets for a while (at least 6 months) to know what prices vendors will be expecting and rents tenants will be expecting, most property magazines will also contain a suburb summary in the back.  When you get closer to purchase make sure to ask your bank for the RP Data reports on the properties you are looking at, the banks will typically provide these for free. I also set out some points for myself which I made clear for myself at the beginning: This might provide a good starting point and really narrow down your research options as generic research on property investment can be overwhelming. I ended up with a 3 Bedder in western Sydney that has so far happily paid for itself. Building a good relationship with real estate agents and attending lots of open homes/auctions and talking to other investors can only help.  I was once told if you attend free property investment seminars you will always learn at least one new thing (be it statistics, methodologies, finance options etc ), with that in mind always keep a level head, leave your wallet at home and don't sign up to anything.  At the end of the day keep a cool head, don't stop reading and rush nothing."


I don't see it happening (a north african airport hub). Whilst I commend your cynicism on this day of enforced gorging on bullshit (Merry Christmas), at some point 'doing the right thing with the right intentions' will trump short-termism and finding loopholes.


"Congratulations on your graduation and salary.  You are in a great career field (I know from experience.)  As a background, I would feel pretty confident in your salary as demand for SE is pretty high right now.  During my career there were times that demand was pretty to very low.  Somehow I survived 2001 & 2002, but 2003 was a pretty rough year for me. Here is what I would do if I were you.   Paying off the smallest loans first gives you some great ""wind in the sails"", and encourages you to keep going.  I really like this approach despite being not the most mathematically efficient.   I'd reduce my car loan payment back to $200/mo. and put that as the last one to pay off.   With the tax refund, and any money left over, I pay off the student loans smallest to largest.  I would also consider reducing your savings to something around the 1K->2k range, and use that to pay down debt. If you use your tax refund, and some of the savings you'd have like 34K left to pay off.  Could you do that in like 14 months?  I think you could depending on your other expenses.  No more than 18 months, and if you really worked hard and picked up some work on the side maybe a year.   That is what I would do."


The formula for determining the number of payments (months) you'll need to make on your loan is:  where i=monthly interest rate (annual rate / 12), A=loan amount (principal), and P=monthly payment. To determine the total interest that you will pay, you can use the following formula:  where P=monthly payment, N=number of payments (from above formula), and A=loan amount (principal). A quick example: using the numbers in the screenshot above ($10,000 loan, $500 monthly payment, 10% APR), the number of payments ends up to be 21.97 (which means that payment number 22 is slightly less than the rest).  In the second formula, you take that number times your $500 payment and determine that you have paid $10,984.81 over the course of the entire loan period.  Subtracting the principal, you have paid $984.81 in total interest. On your spreadsheet, the function you are looking for is NPER: NPER(rate, payment_amount, present_value, [future_value, end_or_beginning]) rate - The interest rate. (This should be the monthly rate, or the annual rate divided by 12.) payment_amount - The amount of each payment made. (For a loan payment, this should be a negative number.) present_value - The current value of the annuity. (The initial principal of the loan) future_value - [ OPTIONAL ] - The future value remaining after the final payment has been made.  (This should be 0, the default if omitted.) end_or_beginning - [ OPTIONAL - 0 by default ] - Whether payments are due at the end (0) or beginning (1) of each period.


> You could also interpret these actions as satisfying consumer wants, instead of as some sort of conspiracy.  Except that the want didn't exist before the product/company was introduced.  > If you, as an individual decided to pawn of responsibility for for purchases on other people, you'd be seen as ridiculous, and rightly so.  This is a core difference between the political left and right.  The right believes we are autonomous and our decisions are our own.  The left believes we and the choices we make are strongly shaped by our environment.  The older I get them more I realize the right is wrong on this one.  > Exactly how much better than everyone else do you think you are?  *chuckles* Ad hominem much?  I am often amazed how easy it is to manipulate me.


I have not opened any NRE/NRO account before coming to Finland.  This is in violation of Foreign Exchange Management Act. Please get this regularized ASAP. All your savings account need to be converted to NRO. Shall I transfer funds from abroad to both NRE and NRO account or I can transfer only to NRE account in India? You can transfer to NRE or NRO. It is advisable to transfer into NRE as funds from here can be repatriated out of India without any paperwork. Funds from NRO account need paperwork to move out of India. I am a regular tax payer in abroad. The Funds which i'll transfer in future will attract any additional tax in India? As your status is Non Resident and the income is during that period, there is no tax applicable in India on this. Few Mutual Fund SIPs (monthly basis) are linked with my existing saving account in india. Do these SIPs will stop when the savings account will turn into NRO account? Shall I need to submit any documents for KYC compliance? If yes, to whom I should submit these? is there any possibility to submit it Online? Check your Bank / Mutual Fund company. Couple of FDs are also opened online and linked with this existing saving account. Do the maturity amount(s) subject to TDS or any tax implication such as 30.9% as this account will be turned into NRO account till that time and NRO account attracts this higher tax percentage. These are subject to taxes in India. This will be as per standard tax brackets. Which account (NRE/NRO) is better for paying EMIs for Home Loan, SIPs of Mutual Funds, utility bills in India, transfer money to relative's account etc Home Loan would be better from NRE account as if you sell the house, the EMI paid can be credited into NRE account and you can transfer this out of India without much paperwork. Same for SIP's. For other it doesn't really matter as it is an expense. Is there any charge to transfer fund from NRE to NRO account if both account maintain in same Bank same branch. Generally No. Check with your bank. Which Bank account's (NRE/NRO) debit/ATM card should be used in Abroad in case of emergency. Check with your bank. NRE funds are more easy. NRO there will be limits and reporting. Do my other savings accounts, maintained in different Banks, also need to be converted into NRO account? If yes, how can it be done from Abroad? Yes. ASAP. Quite a few leading banks allow you to do this if you are not present. Check you bank for guidance.


In our website you will find a great variety of strollers for your baby: Strollers, Strollers 2 pieces, Strollers 3 pieces, Strollers Twin. Strollers, light chairs, second-rate, umbrella type, folding, Uppababy Vista Stroller and many there are 1000 ways to call them. The most important characteristics when choosing the purchase of the stroller are weight, size, folding, reclining and great practicality, so, as the baby grows, the stroller becomes a essential item for our daily life.


1.45 and 1.40 are the last trade prices.  The last trade (1.45) for the 27 strike call must have occurred earlier than the last trade (1.40) for the 26 strike call.  These options have low liquidity and don't trade very often.  You have to look at the bid and ask prices to see what people are currently bidding and asking for those options.  As you can see, the premium based on the bids and asks does decrease the further you go out of the money.


A currency that is strong right now is one that is expensive for you to buy. The perfect one would be a currency that is weak now but will get stronger; the worst currency is one that is strong today and gets weak. If a currency stays unchanged it doesn't matter whether it is weak or strong today as long as it doesn't get weaker / stronger. (While this advice is correct, it is useless for investing since you don't know which currencies will get weaker / stronger in the future).  Investing in your own currency means less risk. Your local prices are usually not affected by currency change. If you safe for retirement and want to retire in a foreign country, you might consider in that country's currency.


That’s your opinion, nicer is all in the eye of the beholder. Again, I could barely pick out milwaukee on a map but it’s the rumor here. And yes, wages are certainly a concern for Amazon. All companies evaluate employment costs and workforce competitiveness.


Is that even a question? Congress can't pass shit, just look at the boarder crisis... Which leaves only the executive and judicial branches to pass law... and the way that works is the NLRB passes new rules and the judicial branch decides if they are legal or not.  And to your dictatorship point, for fucks sake, the current administration has been far more passive with their executive powers than most administrations... its just extremest GOP tarts who don't believe in science or rational thinking that using that claim to rally their base... I mean a war on whites, the things that come out of these peoples mouths.


Well I'm glad Congress is focusing on the important part of this. Not consumer access to credit reports or fraud protection or liability limitation for consumers, but let's protect the idiots who were sitting in the corner lighting their own farts while the bank was being robbed.


What  sounddude said, mortgage servicing companies do not get to unilaterally change the terms of a mortgage.  Although I'm inclined to guess it was a simple coding error on BOA's part (wrong processing box got checked when mortgage was acquired) that was never caught, in which case BOA *should* be falling all over themselves to fix the situation (on their dime).  If they don't fix it in a hurry, then I'd hope they get their head handed to them in court in a hurry.


"The best strategy for RSU's, specifically, is to sell them as they vest. Usually, vesting is not all in one day, but rather spread over a period of time, which assures that you won't sell in one extremely unfortunate day when the stock dipped. For regular investments, there are two strategies I personally would follow: Sell when you need. If you need to cash out - cash out. Rebalance - if you need to rebalance your portfolio (i.e.: not cash out, but reallocate investments or move investment from one company to another) - do it periodically on schedule. For example, every 13 months (in the US, where the long term cap. gains tax rates kick in after 1 year of holding) - rebalance. You wouldn't care about specific price drops on that day, because they also affect the new investments. Speculative strategies trying to ""sell high buy low"" usually bring to the opposite results: you end up selling low and buying high. But if you want to try and do that - you'll have to get way more technical than just ""dollar cost averaging"" or similar strategies. Most people don't have neither time nor the knowledge for that, and even those who do rarely can beat the market (and never can, in the long run)."


The business and investment would be shown on separate parts of the tax return. (An exception to this is where an investment is related and part of your business, such as futures trading on business products)  On the business side of it, you would show the transfer to the stocks as a draw from the business, the amount transferred would then be the cost base of the investment.  For taxes, you only have to report gains or losses on investments.