"Value averaging has you shift the balance of your portfolio over time, not the amount of contributions.  So you can only do it if you have a portfolio holding both risky assets (shares etc) and some cash. You start out by making a plan about how much you will contribute every month and at what rate you expect the share part of the portfolio to grow.  Perhaps based on 20th century data you think an 8% growth rate is reasonable.  Or alternatively if you know your desired final amount obviously you can work backwards to a desired rate from that. If in any month the share part is falling below its expected growth path, you would put more money into it: possibly your whole paycheck contribution plus some from the savings cash account.  On the other hand if the share component is growing ""too fast"" you would put all your additional savings into cash.  So if your investments are doing well, you're not supposed to spend the excess money, but rather to put it aside into a dedicated cash account to top up your share component when prices fall. In theory, this has the auto-levelling benefit of Dollar Cost Averaging, but even better: when prices are high, you'll automatically buy fewer shares, or even sell some; conversely when prices are low you'll buy extra shares from your reserve account. If it turns out your estimate was unreasonably optimistic, and over your lifetime shares only ever average 3%, you'll end up with an entirely share portfolio, and a bumpier ride than you might have liked.  If you have horrible luck and over your entire investing life shares return less than cash (which has happened, though not yet in the USA), then this will be worse than a standard balanced portfolio. The original book Value Averaging by Edelson has a pretty good explanation of various cases, though I would say some of the examples are worked in excessive detail. I have not implemented this myself, one reason being that the amount I'm able to save from year to year varies, as it probably does for you, and so predicting a path is not quite so simple as he assumes.  You could still do it I suppose. I think you could get a very crude approximation to this by simply directing your savings into cash when the share market's rate of growth over the last several years is above what you think is the long term average."


"You have to be the owner of record before the ex-dividend date, which is not the same day as the date the dividend is paid. This also implies that if you sell on or after the ex-dividend date, you'll still get the dividend, even if you no longer own the stock.  Keep in mind, also, that the quoted price of the stock (and on any open orders that are not specifically marked as ""do not reduce"") on its ex-dividend date is dropped by the amount of the dividend, first thing in the morning before trading starts. If you happen to be the first order of the day, before market forces cause the price to move, you'll end up with zero gain, since the dividend is built into the price, and you got the same value out of it -- the dividend in cash, and the remaining value in stock. As pointed out in the comments (Thanks @Brick), you'll still get a market price for your trade, but the price reduction will have had some impact on the first trade of the day. Source: NYSE Rule 118.30 Also, remember that the dividend yield is expressed in annualized terms. So a 3% yield can only be fully realized by receiving all of the dividend payments made by the company for the year. You can, of course, forget about individual companies and just look for dividends to create your own effective yield over time. But, see the final point... Finally, if you keep buying and selling just to play games with the dividends, you're going to pay far more in transaction fees than you will earn in dividends. And, depending on your individual circumstances, you may end up paying more in capital gains taxes."


Sometimes hedging is used if you have a position and you feel the market is going against your position, so one would hedge that position in order to protect their capital and possible profits instead of closing the position and incurring capital gains tax. Personally if the market was going against a position I had open I would get out of that position and protect my capital/profits instead of using more capital to hedge against my position. I would rather take a profit and pay some capital gains tax than watch my profits turn into a loss or use up more capital to try and protect a bad position. Hedging can be useful in certain circumstances but I think if you feel the market is going against your position/s for the medium to long term you should just get out of your positions instead of hedging against them.


I have only found solution for UK residents so far, see the article on This Is Money: Cheapest index-tracking funds: Trackers with the lowest charges - and the best ways to invest in them


"Maybe it's just the silicon valley environment, but no one wants to loan growing less-established businesses jack shit around here, everyone is all about equity investments.  It seems like ""develop, refine, release, IPO"" is the only business model anyone wants to invest in."


Let P denote the amount of the investment, R the rate of return and I the rate of inflation.  For simplicity, assume that the payment p is made annually right after the return has been earned.  Thus, at the end if the year, the investment P has increased to P*(1+R) and p is returned as the annuity payment. If I = 0, the entire return can be paid out as the payment, and thus p = P*R. That is, at the end of the year, when the dust settles after the return P*R has been collected and paid out as the annuity payment, P is again available at the beginning of the next year to earn return at rate R. We have P*(1+R) - p = P If I > 0, then at the end of the year, after the dust settles, we cannot afford to have only P available as the investment for next year. Next year's payment must be p*(1+I) and so we need a larger investment since the rate of return is fixed.  How much larger?  Well, if the investment at the beginning of next year is P*(1+I), it will earn exactly enough additional money to pay out the increased payment for next year, and have enough left over to help towards future increases in payments. (Note  that we are assuming that R > I. If R < I, a perpetuity cannot be created.)  Thus, suppose that we choose p such that P*(1+R) - p = P*(1+I)   Multiplying this equation by (1+I), we have [P(1+I)]*(1+R) - [p*(1+I)] = P*(1+I)^2 In words, at the start of next year, the investment is P*(1+I) and the return less the increased payout of p*(1+I) leaves an investment of P*(1+I)^2 for the following year.  Each year, the payment and the amount to be invested for the following year increase by a factor of (1+I). Solving P*(1+R) - p = P*(1+I) for p, we get  p = P*(R-I)  as the initial perpetuity payment and the payment increases by a factor (1+I) each year.  The initial investment is P and it also increases by a factor of (1+I) each year. In later years, the investment is P*(1+I)^n at the start of the year, the payment is p*(1+I)^n and the amount invested for the next year is P*(1+I)^{n+1}. This is the same result as obtained by the OP but written in terms that I can understand, that is, without the financial jargon about discount rates, gradients, PV, FV and the like.


You may refer to project http://jstock.sourceforge.net. It is open source and released under GPL. It is fetching data from Yahoo! Finance, include delayed current price and historical price.


The worst offender is the Apple logo on iPhone cases.  I mean, don't get me wrong, I actually love Apple products, but Jesus Christ why does every case have a hole *cut away from the case* so people can see the Apple Logo underneath the case?  [Every](http://www.caseswill.com/images/v/201112/stylish-beautiful-flower-back-cover-case-back-protector-for-iphone-4-4s-silver-p13228927270.jpg)  [Damn](http://www.lifeproof.com/shop/media/catalog/product/cache/1/image/9df78eab33525d08d6e5fb8d27136e95/1/3/1362-01_3.jpg)  [iPhone](http://images.askmen.com/entertainment/guy_gear/iphone-5s-accessories_1380038869.jpg)   [Case](http://cdn.shopify.com/s/files/1/0155/9531/files/iPhone_5S_back_protector.jpg)  [Has](http://www.casesinthebox.com/images/v/201204/simple-soft-tpu-back-cover-case-for-iphone-4g-4s-red-p13353660820.jpg)  [Holes](http://www.gadgetmac.com/storage/product-images/lifeproof_waterproof_iphone_5_case_back.jpg)  It doesn't make any sense, I mean I guess people want to show off the fact that they have an iPhone... but *iPhones cost the same as their equivalent Android phones*. Everytime I see one of those cases with the logo cut out I just shake my head.   People literally go up and out of their way to make sure they can advertise a company they have no stake in.


"BBB is a paid service, certainly not sterling and like all businesses, results tend to follow the money.  IMO, as a consumer info source, it's about as reliable as Yelp or other customer review sites. BBB is not dishonest, will respond to consumer feedback over time.  Years ago, back when I owned small biz, found BBB useful for both good customer relations & promotion. The good sellers would pressure BBB to unlist bad actors, usually worked OK over time but not immediate.  Just like Yelp, also had to deal with some *sshole customers who would use BBB complaints in an attempt to ""get back"" and/or avoid payment, etc.  BBB listing  is one of several consumer feedback sources to consider.  Some dodgy sellers always manipulate feedback from  BBB and every other sources/sites, but it's much harder to cover poor performance up these days, info is there if you dig a bit deeper."


You can move money in and out of the business at will, just keep track of every transaction. Ideally you'd use an accounting software like QuickBooks or similar. Create a Capital Contributions account and every time you put money into the business checking account record it as a Capital Contribution. Likewise, if you take money out of the business, it comes from your capital accounts. (You can create a separate Capital Distributions account in your accounting software, or just use a single account for contributions and distributions). Money coming in and out of those capital accounts is not taxable because you will pay taxes based on net earnings regardless of whether or not you have distributed any profits. So there's no need to make a loan to the company, which would have tax consequences. To reimburse yourself for purchases already made, submit an expense report to the company. If the company is unfunded right now, you can make a capital contribution to cover current expenses, submit the expense report, and wait until you have some profits before paying out the expense report or making any distributions. Welcome to entrepreneurship.


"There are cases where it makes sense to insure something, even if you can bear its loss.  Insurance is a tool to control risk.  One reason you might want to control risk is indeed if you cannot afford to bear it's loss.  However, there are other reasons you might wish to insure something when you look at your life in totality. Let's say you have $100 to work with, and you have an item A that costs $30. Perhaps you really need A in your life, but its clear here that you can afford to replace it, so maybe you don't insure it.  Then you get item B, which also costs $30, and item C which costs $30.  We can see that you can cover all three of these (total value $90), so one might argue that you don't need to insure it. Now let's add item D onto the plate, also at a cost of $30.  Now you're in an interesting position, with 4 items you depend on, A B C and D, which have a sum total replacement cost of $120.  Now if all of these break or are stolen, you no longer have the funds to replace them.  Of course, what are the odds that all of them break at the same time?  You may be able to do the math to determine the probability of going broke, and use that to determine whether you want to insure the item or not. Now consider that you will have to make a similar mathematical analysis for every additional purchase you make.  You will also have items which you can ""bear to lose"" but you really don't want to.  These can add a large amount of effort to every decision you make.  It may be worth getting insurance in such a case.  One could think of the purchase in two parts.  There is the part that accounts for the statistical expectation of loss, and the other is the insurance company's profits.  The profits could be thought of as paying the insurance company for a service which makes it easier for you to think through complicated decisions by removing risk."


The calculators on this site should help: http://www.measuringworth.com/  They allow you to choose a currency (only about half a dozen are available), enter an amount and the years to compare, and then provides feedback in a table. Obviously you will need to be careful which calculator you choose. If they don't cover the currencies you are dealing with, see this site: http://projects.exeter.ac.uk/RDavies/arian/current/howmuch.html They provide numerous links that, while they don't provide sleek calculators per se, they do offer guidance on how to handle conversions  yourself. Regarding comparing the cost to something like gold, to try and help younger readers, I think it's a good idea but gold is not the ideal choice for comparison. I'd recommend something more tangible like household goods - what a Playstation would have cost in 1930s money etc. In short: the value of gold is esoteric even for most adults - concrete examples would be better.


"And my CPA is saying no way, it will cost me many thousands in taxes   and doesn't make any sense. I'd think so too. It looks like it converts from capitol gains at 14% to something else at about 35% Can be, if your gain under the Sec.1231 rules is classified as depreciation recapture. But, perhaps the buyers will be saving this way? Not your problem even if they were, which they aren't. I would not do something my CPA says ""no-way"" about. I sometimes prefer not doing some things my CPA says ""it may fly"" because I'm defensive when it comes to taxes, but if your CPA is not willing to sign something off - don't do it. Ever."


Stuart Macfarlane Therapist According to Stuart MacFarlane, an experienced psychotherapist, depression is an illness that impacts the brain, which can negatively affect the way an individual feels, thinks and behaves. It typically causes severe feelings of sadness and a loss of interest in activities that were once enjoyable.


Get used to it. This trend won't change while investors are 100% focused on quarterly results at the expense of long-term investment and growth strategies from companies. Successful businesses that don't need a large capital injection will stay the course knowing that in mid to long-term their net worth will be higher.


">As a legal matter, shareholders who purchase shares of stock in a  corporation own nothing more than that—shares of stock. Similarly, bondholders own only bonds, and executives with employment contracts own their contracts. None of these types of ownership give shareholders, bondholders or executives the right to control the firm. The right to control the firm’s assets and actions rests in the hands of its board of directors, and only when they act as a body and follow proper board procedures.  All this says is ""decisions are made by the board."" This is not news, and it doesn't mean that shareholders do not own the company. Shareholders elect the board, by the way.  >An important consequence of this governance structure is that shareholders not only have no legal right to control the firm, they also have no legal right to help themselves to the corporation’s    assets.  Well, that's wrong.  >In fact, the only time shareholders receive any funds directly from the corporation’s coffers is when they receive a dividend or the corporation repurchases their shares.  Or, you know, in the case of bankruptcy.  >This only happens when the directors vote to declare a dividend or a corporate repurchase.  The same directors who were appointed by shareholders.  >At law, a principal has a right to control her agent. But shareholders can’t exercise direct control over corporate directors.  I suppose this is true in the sense that shareholders cannot practice slavery. But shareholders can, again, vote on issues relating to the governance of the company.  >It is thus wildly misleading to describe shareholders as the sole residual claimants in companies that aren’t actually in bankruptcy.  This is only true if you're retarded and don't know what ""residual"" means.  >This idea is supported by modern options theory. In effect, bondholders own the right to access cash flow but have sold a call to shareholders, while shareholders own the right to access the cash flow but have sold a put to bondholders. Neither shareholders nor bondholders can claim an exclusive right to “own” the company’s cash flow, much less the company.  This is a made up explanation that doesn't mean anything. The real options model of corporate assets is that corporate debt is a risk-free bond with a short put option and equity is a call option. There is no ""deal,"" in actuality or in spirit, between debt and equity owners.  You can dismiss the article as ""shit."""


Mayer is stepping out and [Verizon is rebranding AOL and Yahoo as part of a new venture called Oath, led by AOL Chief Executive Officer Tim Armstrong.](https://www.reuters.com/article/us-verizon-jobs-idUSKBN18Z2EF)  I remember when nothing was going to take out Yahoo...interesting times for sure.


"Well they've ""created"" what $5trillion in the last few years?  Many people are arguing that they'd created too much not too little.  That money, the new debt being issued, just isn't being very effective and we see people/banks/corporations hoarding cash and bonds instead of investing and creating new wealth.  If everyone went out and spent their money and invested in new factories, farms, malls, or whatever, we would see tons of new jobs and the Dow at 20,000 but that isn't happening for whatever reason."


"Sorry no. I don't like to hear that the difference between me and the bum on the street is ""luck."" Luck certainly makes a difference of one or two notches on the pay scale, or a few years here or there in your career. But hard work and good choices make the most of the luck we're given. Far too many piss that luck away with poor choices or no work and then look on with envy at those ""lucky bastards"" who made it big."


I looked at this a little more closely but the answer Victor provided is essentially correct.  The key to look at in the google finance graph is the red labled SMA(###d) would indicate the period units are d=days.  If you change the time axis of the graph it will shift to SMA(###m) for period in minutes or SMA(###w) for period in weeks.  Hope this clears things up!


The rules of thumb are there for a reason. In this case, they reflect good banking and common sense by the buyer. When we bought our house 15 years ago it cost 2.5 times our salary and we put 20% down, putting the mortgage at exactly 2X our income. My wife thought we were stretching ourselves, getting too big a house compared to our income. You are proposing buying a house valued at 7X your income. Granted, rates have dropped in these 15 years, so pushing 3X may be okay, the 26% rule still needs to be followed. You are proposing to put nearly 75% of your income to the mortgage? Right? The regular payment plus the 25K/yr saved to pay that interest free loan? Wow.  You are over reaching by double, unless the rental market is so tight that you can actually rent two rooms out to cover over half the mortgage.  Consider talking to a friendly local banker, he (or she) will likely give you the same advice we are. These ratios don't change too much by country, interest rate and mortgages aren't that different. I wish you well, welcome to SE.


I agree with the other comments that you should not buy/hold your company stock even if given at a discount. If equity is provided as part of the compensation package (Options/Restrictive Stock Units RSU)then this rule does not apply. As a matter of diversification, you should not have majority equity stake of other companies in the same sector (e.g. technology) as your employer. Asset allocation and diversification if done in the right way, takes care of the returns. Buying and selling on the same day is generally not allowed for ESPP. Taxation headaches. This is from personal experience (Cisco Systems). I had options issued in Sept 2008 at 18$ which vested regularly. I exited at various points - 19$,20$,21$,23$ My friend held on to all of it hoping for 30$ is stuck. Options expire if you leave your employment. ESPP shares though remain.


"The change is generally known as the Options Symbology Initiative (or ""OSI"") and there is a highly comprehensive guide to what occurred here. The basic gist of what occurred was a shift FROM: A coded system in which a shorter (3   to 5 letter symbol) could be used, but   the symbols required a data source to   determine what they meant. MSQ AD   used to be a MSFT Jan 20 option, but   you had to look up MSQ in a table to   know that. TO: A system in which much longer symbols   are needed, but they contain all the   information required to identify a   unique option: DELL 4.000 C 5/16/2010   isn't easy to type, but once you know   how to read it, it's easy to see that   it's an option on DELL, expiring on May 16th 2010, is a call (rather   than a put,) and has a strike price   of 4. As to why they did it, there are a number of benefits, but most important reason is this one:  they were running out of symbols.  The number of permutations of 3-5 letter symbols had been exceeded by the number of options that had been listed, resulting in the need to ""recycle"" symbols.   This meant that a current option symbol would be the same as an old one, in some cases on a different stock, which was wreaking havoc on historical data."


"See Also:  1. United States of America (USA) history lesson from Stephen Kinzer: #7b, #7c, #7d, and #7e at https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/ddlcuvl  2. ""The Origins of the Federal Reserve"" by Murray N. Rothbard: #8b at https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/ddlcuvl  3. James Mahaffey on nuclear/atomic power in the USA: #7d at https://np.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/dfmc7kj  Source for #1, #2, and #3: https://www.reddit.com/r/worldpolitics/comments/5bpc5x/an_update_for_my_readers_by_peter_levenda/d9q9006 via https://www.reddit.com/r/Missing411/comments/41oph0/supernatural_abductions_in_japanese_folklore_by/cz3we2z"


>Would you take on somebody if you seriously thought this was going to happen? Would any small enterprise ever hire anyone? Equality is a nice idea but it will stifle small and slow growing businesses to the point where the only way to get started will be to take a big loan. And that is not in the interests of the economy at large.  Don't worry, there is a large number of people out there who, if they get their way, would make it illegal not to hire these people. I'm all for workers' rights, but once the pendulum swings so far in favor of the employee that it becomes detrimental to hire them unemployment is going to go up.


"Maybe it is a matter of how long a perspective you take.  If you are focused on very close things, like only the coming quarterly results, then *anything* which did not maximize cash flow might seem suboptimal.  But what if it strengthened the long term prospects of the business?  What if it contributed to a planet that did not get destroyed, thereby maintaining a better business climate (pun intended) for the future.  Clearly survival is preferable to a business than extinction.  But we make short-term choices based on kind of old ways of looking at things.  It's not ""profitable"", even though pursing short-term cash profit may lead to ruin."


I have a Whole Foods, Walmart, 3x Kroger, 2x Publix, Traders Joes, Spruce's, and a Fresh Market within 10 minutes of driving.  I've actually started focusing on Walmart more and more because they simply have better prices on the stuff I buy most.   I might wander into Whole Wallet for some of their loss leaders but I don't think I'll move the bulk of my grocery purchases away from Walmart / Kroger.


https://qz.com/783314/this-is-what-electric-cars-are-doing-to-the-lithium-market/  Yes lithium is not a rare metal, but when demands rise very fast supply tend to lag. This is why oil price hikes happened historically.  Eventually it would even put but if the production rose as quickly as you describe we would be having Lithium shortage which would translate into price hikes which would then lower to demand of such cars using those batteries


But were they bad mortgages? At the time, real estate prices were going up. The thinking was if someone defaulted, they could just foreclose on the property and recoup their money. Is that deceptive? They bundled poorer mortgages with better rated mortgages to eliminate risk. The risk was all the debtors defaulting in a short period - which happened.  Again, no financial model forecasted the worst recession since the Great Depression. Not the top financial firms, not the Federal Reserve, not the Treasury. They were all wrong.


>Walt Disney Co.’s ambitious $5.5 billion Shanghai theme park is close to breaking even after its first full year of operations -- a mark none of its resorts have been able to hit in the last thirty years, said Chief Executive Officer Bob Iger.


It has no use as a currency now, and it never will. It's a speculative asset, primarily useful for laundering money and other illicit acts. It's a bubble now, but can probably stay pretty high for quite a while with the threat of war in Asia. A ton is held in China and if Korea explodes and they take a hit a lot of people would probably go to Bitcoin.


It has an anchor tenant, and a few other if I remember correctly. But yes, WTC is a huge money pit at the moment, and won't really be profitable for a while. And the toll rates are going up, but it's more complicated than just WTC, there are a lot of other projects going on that need to be funded as well.


Say there are 5 people took loan of $100000 each. Those 5 people work in different jobs and have different capacity to payoff loan. Someone earning $40000 a year has higher risk to default on their payment then someone making $250000 a year.   As Bank wants to sell this CDO to investor but how would investor know what the risk factor for this CDO is. This is where rating agency comes in picture. They apparently look at the underlying asset and assign rating to this CDO say AAA, B, AA etc which give investor idea of underlying risk.   Problem here is rating agency gets paid by Bank to rate their CDO. So if a rating agency starts rating their CDO to higher risk Bank will go to next agency round the corner to get better rating and agency will lose commission. You can see the problem here.   Now if people start struggling to pay loan, bank will not get money and it cannot pay CDO holders. If house that was worth $100000 when CDO was created is devalued to say $50000 today the underlying asset is not worth as much when CDO was sold. That is what happened when market crashed in 2008 and GFC hit.


Certainly, yes, a zero coupon bond can go down in price. If interest rates rise before your bond matures, the price of the bond will go down – and the longer to maturity, the more it will tend to drop.  Depending on when you bought and how much interest rates rise, you can incur a capital loss. The bond is guaranteed to be worth a certain amount at maturity as long as the issuer hasn't defaulted, but before maturity the market price of the bond will fluctuate, primarily based on interest rate movements.  In fact, zero coupon bonds are even more interest-rate-sensitive than regular bonds (which have periodic coupon interest payments.)


pension plans are not invested in the business, that's what Enron did wrong, they are invested in the open market. pension funds are risky because of market risk, mismanagement risk and other issues, not because of the risk of the company itself.  if you worked at lehman and retired you get checks from the US government now.


You will lose out on your spread, you always pay a spread. Also, if you are looking at a strategy for using stop losses, try taking into account the support lines if you are going long. So, if the stock is on an upward trend but is dropping back from profit taking, your best best is to take a position closest to the next support line. You place your stop just below the support. this will give you the best chance of a winning position as most technical analysts will have looking towards the support as a buy back area. Obviously, in a bear market the opposite is true.  If you have taken your position and the market move past the first resistance line, then bring your stop to just below that line as once resistance is broken, it then becomes support. You then have a profitable position with profit locked in. Leave the position to break the next resistance and repeat.


If your refund is so small (like $20 - $25), and it's not worth receiving, it can be put towards next years just to give you a slight edge.


They could buy the domain a lot cheaper than the company.  They are probably trying to lock in the ability to have face.com technology always available to them as I'm assuming they have invested a fair bit on integration with them.  Saves someone like google snapping it up and shutting it down.


http://www.wuug.org/read.php?13,11584 http://www.wuug.org/read.php?13,11583 http://www.wuug.org/read.php?13,11582 http://www.wuug.org/read.php?13,11581 http://www.wuug.org/read.php?13,11580 http://www.wuug.org/read.php?13,11579 http://www.wuug.org/read.php?13,11578 http://www.wuug.org/read.php?13,11577 http://www.wuug.org/read.php?13,11576 http://www.wuug.org/read.php?13,11575 http://www.wuug.org/read.php?13,11574 http://www.wuug.org/read.php?13,11573 http://www.wuug.org/read.php?13,11572 http://www.wuug.org/read.php?13,11571 http://www.wuug.org/read.php?13,11570 http://www.wuug.org/read.php?13,11569 http://www.wuug.org/read.php?13,11568 http://www.wuug.org/read.php?13,11567 http://www.wuug.org/read.php?13,11566 http://www.wuug.org/read.php?13,11565 http://www.wuug.org/read.php?13,11564 http://www.wuug.org/read.php?13,11563 http://www.wuug.org/read.php?13,11562 http://www.wuug.org/read.php?13,11561 http://www.wuug.org/read.php?13,11560 http://www.wuug.org/read.php?13,11559 http://www.wuug.org/read.php?13,11558 http://www.wuug.org/read.php?13,11557 http://www.wuug.org/read.php?13,11556 http://www.wuug.org/read.php?13,11555 http://www.wuug.org/read.php?13,11554 http://www.wuug.org/read.php?13,11553 http://www.wuug.org/read.php?13,11552 http://www.wuug.org/read.php?13,11551 http://www.wuug.org/read.php?13,11550 http://www.wuug.org/read.php?13,11549 http://www.wuug.org/read.php?13,11548 http://www.wuug.org/read.php?13,11547 http://www.wuug.org/read.php?13,11546 http://www.wuug.org/read.php?13,11545 http://www.wuug.org/read.php?13,11544 http://www.wuug.org/read.php?13,11543 http://www.wuug.org/read.php?13,11542 http://www.wuug.org/read.php?13,11541 http://www.wuug.org/read.php?13,11540 http://www.wuug.org/read.php?13,11539 http://www.wuug.org/read.php?13,11538 http://www.wuug.org/read.php?13,11537 http://www.wuug.org/read.php?13,11536 http://www.wuug.org/read.php?13,11535 http://www.wuug.org/read.php?13,11534 http://www.wuug.org/read.php?13,11533 http://www.wuug.org/read.php?13,11532 http://www.wuug.org/read.php?13,11531 http://www.wuug.org/read.php?13,11530 http://www.wuug.org/read.php?13,11529 http://www.wuug.org/read.php?13,11528 http://www.wuug.org/read.php?13,11527 http://www.wuug.org/read.php?13,11526 http://www.wuug.org/read.php?13,11525 http://www.wuug.org/read.php?13,11524 http://www.wuug.org/read.php?13,11523 http://www.wuug.org/read.php?13,11522 http://www.wuug.org/read.php?13,11521 http://www.wuug.org/read.php?13,11520 http://www.wuug.org/read.php?13,11519 http://www.wuug.org/read.php?13,11518 http://www.wuug.org/read.php?13,11517 http://www.wuug.org/read.php?13,11516 http://www.wuug.org/read.php?13,11515 http://www.wuug.org/read.php?13,11514 http://www.wuug.org/read.php?10,11469 http://www.wuug.org/read.php?10,11468 http://www.wuug.org/read.php?10,11467 http://www.wuug.org/read.php?10,11466 http://www.wuug.org/read.php?10,11465 http://www.wuug.org/read.php?10,11464 http://www.wuug.org/read.php?10,11463 http://www.wuug.org/read.php?10,11462 http://www.wuug.org/read.php?10,11461 http://www.wuug.org/read.php?10,11460 http://www.wuug.org/read.php?10,11459 http://www.wuug.org/read.php?10,11458 http://www.wuug.org/read.php?10,11457 http://www.wuug.org/read.php?10,11456 http://www.wuug.org/read.php?10,11455 http://www.wuug.org/read.php?10,11454 http://www.wuug.org/read.php?10,11453 http://www.wuug.org/read.php?10,11452 http://www.wuug.org/read.php?10,11451 http://www.wuug.org/read.php?10,11450 http://www.wuug.org/read.php?10,11449 http://www.wuug.org/read.php?10,11448 http://www.wuug.org/read.php?10,11447 http://www.wuug.org/read.php?10,11446 http://www.wuug.org/read.php?10,11445 http://www.wuug.org/read.php?10,11444 http://www.wuug.org/read.php?10,11443 http://www.wuug.org/read.php?10,11442 http://www.wuug.org/read.php?10,11441 http://www.wuug.org/read.php?10,11440 http://www.wuug.org/read.php?10,11439 http://www.wuug.org/read.php?10,11438 http://www.wuug.org/read.php?10,11437 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"A big part of the answer depends on how ""beaten down"" the stock is, how long it will take to recover from the drop, and your taste for risk. If you honestly believe the drop is a temporary aberration then averaging down can be a good strategy to lower your dollar-cost average in the stock.  But this is a huge risk if you're wrong, because now you're going to magnify your losses by piling on more stock that isn't going anywhere to the shares you already own at a higher cost. As @Mindwin pointed out correctly, the problem for most investors following an ""average down"" strategy is that it makes them much less likely to cut their losses when the stock doesn't recover.  They basically become ""married"" to the stock because they've actualized their belief the stock will bounce back when maybe it never will or worse, drops even more."


Former corporate M&A team member here.  We wanted to do deals just as much as anyone else, that's why those teams exist.   We were definitely more disciplined than our banks, but at the end of the day we are all former bankers looking to do a deal. Plus you can only tell your CEO/CFO no so many times (believe me we did).


Like keshlam mentioned Insurance and Investment should not generally be mixed. Term Insurance is the best and cheapest insurance. This would work out better than Money Back Option you have. i.e. Take a Term Insurance for the same amount, invest the difference between the Premium of Term Insurance and Money Back option. Even if you invest this difference in Bank FD's the return is much more than what your Money Back policy gives. Pension Plans are not advisable. Although IRDA has in recent times streamlined quite a bit of it, there is still some amount that goes into commission, plus the returns from Annuity providers [the yearly payment you get after retirement] is less than what you get from FD's. i.e. currently the Annuity rates are in the range of 5-6% and one year FD's are in the range of 7-8%. The only reason one need to go with Pension plan or Money Bank plan would be if one is not financially disciplined or can't  reconcile to the fact that Term Insurance in-spite of not giving any returns is much better.


They are, just now where you might expect them. They can't bring it to major cities yet, but there are some companies bringing fiber to rural areas. They are doing this where the max dsl speeds are not fast enough to be considered broadband and there is no other alternative that qualifies. There is a government grant program which gives them money to bring fiber or any broadband but there's no reason to not run fiber if you're going to the trouble. If / When these companies can become profitable enough to move into territories without the grant you will see google fiber competitors. In my town they are basically circling the city with fiber to the home just by covering the grant areas and expect to bring it in the city where we have charter, which is actually pretty good except for the upload speeds, within two years. Charter has already been upping their offerings in the area and has even doubled the speed at no cost for people in areas that are being served by the new fiber or will be soon as there is some overlap.   Fiber isn't that far off for most people, because from what I understand almost everyone lives with 2 miles of a fiber run if you have cell phone access as most all cell phone towers have fiber to them, and the way it works is odd in that no normal ISP owns the fiber, it's by other companies that have to sell access to whoever can pay for it. This is just what I've heard from some discussions with people about the fiber company here so I don't know everything, maybe someone else here has more information.


Yeah,  totally,  both sides are totally equally liars since a leftist blog put words in someone's mouth -- just like the couple hundred on record,  verifiable, outright lies the elected executive branch has accrued in the last five months.


Heh, it wasn't meant as a slight, moreso as a satorical comment after everyone guessed prestigious universities.     PS- I am a McGill grad and we also used Pizza & beer (and of course widgets), perhaps it is a Canadian thing?


Uh, Quicken is virtually identical to MS Money. If you liked money and don't want to change, use that.


"For anyone that's curious, I had a number of chats with Quickbooks who recommended I import only the relevant business transactions from my personal account & personal credit card in order to lower the tax liability. This way money ""paid"" from the business account to myself rightly shows up as a transfer and not as income. This means when generating a tax report, it calculates the correct rate of tax to be paid based on income minus allowable expenses, regardless which account they came from."


The fluctuation of interest rates during the next year could easily dwarf the savings this attempt to improve your credit score will have; or the reverse is true. Will the loan improve your score enough to make a difference? It will not change the number of months old your oldest account is. It will increase the breadth of your accounts. Applying for the car loan will result in a short term decrease in the score because of the hard pull. The total impact will be harder to predict.  A few points either way will generally not have an impact on your rate. You will also notice the two cores in your question differ by more than 30 points. You can't control which number the lender will use. You also have to realize the number differs every day depending on when they pull it that month. The addition of a car loan, assuming you still have the loan when you buy the house, will not have a major impact on your ability to get afford the home mortgage. The bank cares about two numbers regarding monthly payments: the amount of your mortgage including principal, interest, taxes and insurance; and the amount of all other debt payments: car loan, school loans, credit cards. The PITI number should be no more than 28%-33% of your monthly income; the other payments no more than 10%.  If the auto loan payments fit in the 10% window, then the amount of money you can spend each month on the mortgage will not be impacted. If it is too large, then they will want to see a smaller amount of your income to go to PITI. If you buy the car, either by cash or by loan, after you apply for the mortgage they will be concerned because you are impacting directly numbers they are using to evaluate your financial health. I have experienced a delay because the buyer bought a car the week before closing. The biggest impact on your ability to get the loan is the greater than 20% down payment, Assuming you can still do that if you pay cash for the car.  Don't deplete your savings to get to the 50% down payment level. Keep money for closing costs, moving expenses, furnishing, plus other emergencies. Make it clear that you can easily cover the 20% level, and are willing to go higher to make the loan numbers work.


"Not all call options that have value at expiration, exercise by purchasing the security (or attempting to, with funds in your account).   On ETNs, they often (always?) settle in cash.  As an example of an option I'm currently looking at, AVSPY, it settles in cash (please confirm by reading the documentation on this set of options at http://www.nasdaqomxtrader.com/Micro.aspx?id=Alpha, but it is an example of this).  There's nothing it can settle into (as you can't purchase the AVSPY index, only options on it).  You may quickly look (wikipedia) at the difference between ""American Style"" options and ""European Style"" options, for more understanding here. Interestingly I just spoke to my broker about this subject for a trade execution.  Before I go into that, let me also quickly refer to Joe's answer:  what you buy, you can sell.  That's one of the jobs of a market maker, to provide liquidity in a market.  So, when you buy a stock, you can sell it.  When you buy an option, you can sell it.  That's at any time before expiration (although how close you do it before the closing bell on expiration Friday/Saturday is your discretion).  When a market maker lists an option price, they list a bid and an ask.  If you are willing to sell at the bid price, they need to purchase it (generally speaking).  That's why they put a spread between the bid and ask price, but that's another topic not related to your question -- just note the point of them buying at the bid price, and selling at the ask price -- that's what they're saying they'll do. Now, one major difference with options vs. stocks is that options are contracts. So, therefore, we can note just as easily that YOU can sell the option on something (particularly if you own either the underlying, or an option deeper in the money).  If you own the underlying instrument/stock, and you sell a CALL option on it, this is a strategy typically referred to as a covered call, considered a ""risk reduction"" strategy.  You forfeit (potential) gains on the upside, for money you receive in selling the option. The point of this discussion is, is simply: what one buys one can sell;  what one sells one can buy -- that's how a ""market"" is supposed to work.  And also, not to think that making money in options is buying first, then selling.  It may be selling, and either buying back or ideally that option expiring worthless. -- Now, a final example.  Let's say you buy a deep in the money call on a stock trading at $150, and you own the $100 calls.  At expiration, these have a value of $50.  But let's say, you don't have any money in your account, to take ownership of the underlying security (you have to come up with the additional $100 per share you are missing).  In that case, need to call  your broker and see how they handle it, and it will depend on the type of account you have (e.g. margin or not, IRA, etc).  Generally speaking though, the ""margin department"" makes these decisions, and they look through folks that have options on things that have value, and are expiring, and whether they have the funds in their account to absorb the security they are going to need to own.  Exchange-wise, options that have value at expiration, are exercised.  But what if the person who has the option, doesn't have the funds to own the whole stock? Well, ideally on Monday they'll buy all the shares with the options you have at the current price, and immediately liquidate the amount you can't afford to own, but they don't have to.  I'm mentioning this detail so that it helps you see what's going or needs to go on with exchanges and brokerages and individuals, so you have a broader picture."


Mortgage qualification is typically done based on pretax income. To keep the math easy, let's assume $10K/month gross.  A well written loan allows 28% or $2800 to be used for the mortgage and property tax. Property tax varies, but 1% is the average of the 2 states mentioned. This results in $7500/yr property or $625/mo tax leaving $2175/mo. Note here - OP stated $750K house.  $2175 will finance $450K at 4%/30 years. $2175 will finance $300K at 3.5% /15years. Let me pause here. Facts are most important to make these decisions. Unless you're clear on gross income, which may be higher, the constraints above quickly come into play.  Once the numbers are spelled out, you may find that you are qualified to only borrow $350K based on a 30 year note. Nathan's $2500 payment was correct, but for the mortgage only. Add property tax and you'd be at $3125. You'd need a gross $11,160/mo. to meet the 28% rule.  The above discussion would render any further thoughts (of mine) moot.


The exact percentages depend on many things, not just location. For example, everyone needs food.  If you have a low income, the percentage of your income spent on food would be much higher than for someone that has a high income. Any budgeting guidelines that you find are just a starting point.  You need to look at your own income and expenses and come up with your own spending plan. Start by listing all of the necessities that you have to spend on.  For example, your basic necessities might be: Fund those categories, and any other fixed expenses that you have.  Whatever you have left is available for other things, such as: and anything else that you can think of to spend money on.  If you can save money on some of the necessities above, it will free up money on the discretionary categories below.   Because your income and priorities are different than everyone else, your budget will be different than everyone else, too.  If you are new to budgeting, you might find that the right budgeting software can make the task much easier.  YNAB, EveryDollar, or Mvelopes are three popular choices.


The data primarily show discouraged workers dropping out of the workforce. Some are boomers but a bigger story may be women dropping out due to the assault on government jobs.   The point is that the so-called decline is not about new job creation


There are several local currency initiatives in the US list here.  Most are attempts to normalize a value as a living wage, or encourage local consumption networks.  If you are in the catchment region of one of these, see if you can get a grant or loan to get started (if you are willing to buy into the philosophy of the group such as a $10 minimum wage) m


Move to a small town in an insurance friendly state. - Certian states like Florida are considered high risk for doing business for insurance companies.   Get a (relatively)new midsize sedan in white, tan, or brown.  These colors are the least likely to get stolen and the modern midsized sedan is considered the safest vehicles to drive. Drive less than 100 miles a month - The less you drive the less likely you are to be involved in an accident Go 9 years with no claims, tickets, or late payments and maintain a valid drivers license and Insurance. Drivers who go for long periods with out incident are more likely to be safe drivers. Have an income in upper middle class.  Drivers in this bracket tend to be statistically safer drivers and are the least likely to be involved in fraud.


"Dividend-paying securities generally have predictable cash flows. A telecom, electric or gas utility is a great example. They collect a fairly predictable amount of money and sells goods at a fairly predictable or even regulated markup. It is easy for these companies to pay a consistent dividend since the business is ""sticky"" and insulated by cyclical factors. More cyclic investments like the Dow Jones Industrial Average, Gold, etc are more exposed to the crests and troughs of the economy. They swing with the economy, although not always on the same cycle. The DJIA is a basket of 30 large industrial stocks. Gold is a commodity that spikes when people are faced with uncertainty. The ""Alpha"" and ""Beta"" of a stock will give you some idea of the general behavior of a stock against the entire market, when the market is trending up and down respectively."


I've shopped ToyRUs for years now. It was the go to store for my kids when they wanted a new toy, or just to kill time and let them see whats out before christmas shopping. I used to spend around 60-80% of my money there, then as the kids got older I shifted to around 20% with Amazon helping out so much. But this year they shut down several of the stores near me, including the one that I spent all my money at. Kmart did the same thing, and now the 2 brick and mortar stores I still spent money at are gone. I guess it's Amazon for 90% of my shopping now and target or (shudder) walmart for the rest.


U.S. stocks traded slightly lower on Friday, weighed down by slumping Amazon.com shares following disappointing earnings while the main indexes were on track to finish the week with modest losses.  ... what? DJI is up 250 points over the week, S&P is flat but slightly up. Whose news is this?


"I don't think there is a law against it. For example comdirect offers multi banking so you can access your accounts from other banks through the comdirect website. My guess would be: Germans are very conservative when it comes to their money (preferring cash above cards, using ""safe"" low interest saving accounts instead of stocks) so there just might be no market for such a tool. There are desktop apps with bank syncing that offer different levels of personal finance management. Some I know are MoneyMoney, outbank, numbrs, GNUCash and StarMoney."


People know there are lots of good colleges where you can get a 4 year degree for under $45-50K in tuition, right? It is a choice to go to a school where you will be $120K in debt. The gap between what people make who graduate college with a degree, and those who only have a HS degree continues to widen, does it not? Since graduating 4 years ago, I've never worked at a company who will hire a person without a degree.


Yes please, we have been waiting for US's troops to go for a long time. Yes please, dismantle NATO and go home.  We have been living with Russia for a thousand years and we have no problem, you do.   Fight them on your own soil, if you so desire.


Everyone loved McDonald's when they where younger. There was a reason for that. It WAS better back then. McD's needs to open up a few Retro McDonald's. Bring back the old fried apple pies. Fry the french fries in animal fat. Regular milk shakes instead of triple thick shakes.


Since you are talking about a small firm, for the long term, it would be advisable to invest your money into the expansion - growth, diversification, integration - of your business. However, if your intention is to make proper use of your earnings in the short term, a decent bank deposit would help you to increase the credit line for your business with the benefit of having a high enough liquidity. You can also look at bonds and other such low risk instruments to protect your assets.


The massive backlash against the idea of confiscation is part of what prevents the political will of people in power from shifting towards those policies. You're also correct that those who stand to profit from increased demand will milk the situation.  No need to be rude with the namecalling.


Yes, you do. Since you've been a green card holder since the beginning of the year - your whole worldwide income for the whole year is taxable in the US. You can take credit for the taxes paid in the UK (use form 1116) to reduce your US tax liability.


> So: what do i do to have the monthly %change? I was thinking (last day of the mont CP - 1st day of the month OP)/ 1st day of the mont opening price.  No, use the same day (usually month end) of each month (i.e. December 31 vs. January 31). Use closing prices only.   Keep in mind, it may make more mathematical  sense to use LN (natural logs) to determine %-change and standard deviation.   The simplest way to compare the riskiness of each is just to compare St. Dev. You can, of course, go into more detail.   If you want to impress your professor, look up the efficient frontier and make one for each portfolio.


Smartphones have been around a lot longer than Apple (and the writers of this piece) acknowledge....at least since the blackberry in 1999. There are a lot of tech pioneers Apple should thank, who sits on the shoulders of Palm, Nokia and many others.


I'm not 100% familiar with the index they're using to measure hedge fund performance, but based on the name alone, comparing market returns to *market neutral* hedge fund returns seems a bit disingenuous.  That doesn't mean the article is wrong, and they have a point about the democratization of data, but still.


"If it was me, I would drop out. You can achieve a better kind of plan when there is no match.  For example Fidelity has no fee accounts for IRAs and Roths with thousands of investment choices.  You can also setup automatic drafts, so it simulates what happens with your 401K.  Not an employee of Fidelity, just a happy customer. Some companies pass the 401K fees onto their employees, and all have limited investment choices. The only caveat is income.  There are limits to the deductibility of IRAs and Roth contributions if you make ""too much"" money.  For Roth's the income is quite high so most people can still make those contributions.  About 90% of households earn less than $184K, when Roths start phasing out. Now about this 401K company, it looks like the labor department has jurisdiction over these kinds of plans and I would research on how to make a complaint.  It would help if you and other employees have proof of the shenanigans.  You might also consult a labor attourney, this might make a great class."


The prime rate is the interest rate banks use amongst themselves to lend money to each other only. It is used as the basis (sometimes) for what interest rate banks charge you.  The prime rate is based loosely on the Fed rate.  There is a committee that meets regularly to set this and other industry interest rates. http://en.wikipedia.org/wiki/Prime_rate I am not 100% positive the following is totally accurate The banks keep our deposits and pay us interest for doing so.  They are paying us interest because they take yours, mine and everybody elses deposits as a large lump sum and invest that money.  Sometimes as business loans, sometimes as mortgages and sometimes as credit card. The banks have a book of business that will be EXACTLY how much credit they have extended to everybody.  But they do not keep that amount of cash in the vaults, only some smaller percentage of that large amount.  When I use my credit card and they need to transfer money to amazon.com, if they don't happen to have enough cash that day, they will just borrow from another bank that does, and the interest rate they pay to do so is the prime rate.  Since they are paying interest on the money they borrow to pay the debt I charged because they told me my credit was worth so much (...???...) they charge me a little bit more than that. Hence your credit card or mortgage's APR being based on the prime rate. I THINK that is what they do  If I am wrong leave a comment and I will update, or the mods can.


A good quality menstrual cup is a safe and sure solution to protect the periods in a healthy and hygienic manner. The menstrual cup is inserted inside the vagina during the period which collects the nasty fluid instead of absorbing, unlike tampons or sanitary pads. Hence, they can be the called the best alternative to traditional tampons and pads.


Why do people talk about stock that pay high dividends?  Traditionally people who buy dividend stocks are looking for income from their investments. Most dividend stock companies pay out dividends every quarter ( every 90 days). If set up properly an investor can receive a dividend check every month, every week or as often as they have enough money to stagger the ex-dates. There is a difference in high $$ amount of the dividend and the yield.  A $1/share dividend payout may sound good up front, but... how much is that stock costing you? If the stock cost you $100/share, then you are getting 1% yield. If the stock cost you $10/share, you are getting 10% yield.  There are a lot of factors that come into play when investing in dividend stocks for cash flow. Keep in mind why are you investing in the first place. Growth or cash flow. Arrange your investing around your major investment goals. Don't chase big dollar dividend checks, do your research and follow a proven investment plan to reach your goals safely.


> Left, for instance, uses his skill at Twitter to make real money; he shorts stocks, then tweets mean things about them, then they go down, even if his tweets have some errors:  lol, that sounds like a fun gig.


"1099's and other official tax forms are often reported to the IRS by the issuer, whether or not you include a copy in your return. You should not neglect to include this income in your 2016 return in an attempt to balance out the two tax years. It's up to you whether or not you feel like filing an amended 2015 return to recover over-payment of taxes from that tax year. You have up to three years to amend tax returns using form 1040X. Since you couldn't have furnished a 1099 for this when you filed your 2015 return (otherwise you wouldn't be in receipt of it for tax year 2016), I'm assuming you reported it simply as ""Other Income"" and therefore would have been [over] taxed your marginal rate on it. From irs.gov: When to amend a return.  You should file an amended return if you need to correct your filing status, number of dependents, total income, tax deductions or tax credits. The instructions for Form 1040X, Amended U.S. Individual Income Tax Return, list additional reasons to amend a return."


The job I have now, I am lucky enough to be able to be lax.  At my last job I would have been fired if I wasn't available at all times.  I also had clients who expected me to be available whenever they called or I would lose them.  It wasn't being a doormat.  It was the definition of the job and everyone from the lowest person on the pole to the top did the same thing.


">> ...if he lowers the prices of drugs, you will be against him.  > You are right.  You should have said it in the beginning of the discussion between the 2 of us. You would have saved my time.  **But, really, honestly, I knew that from the start, as you as you the first thing you gave against Trump is the ridiculous ""Trump Medicare"".**  I know your type of people: you are stuck with your opinions despite me torturing you with undeniable facts.  And I succeeded!  You said it:  > Of course President Trump wants lower drug prices."


No that is your implicit return if you hold it to maturity per year. That yield is quoted per annum. You will receive semi-annual payments base on the coupon of whatever off the run 10yr you buy. If your coupon is 2% then you will receive $10 bi-yearly. Mind you, buying a 10 year in this environment will yield a negative real return, meaning after inflation over 10 years you will have your entire principal back, but inflation adjusted it will have less purchasing power than today, meaning there isn't enough yield to make the purchase worth it.  Also about your upward slope question, yes the 30 will yield more than the 2,5,7,10. This is because longer time means more risk. Will in the future the USA be perceived as near riskless? There is also interest rate risk, and liquidity risk.


230 government agencies by law have to buy treasury bonds with their excess cash. Those agencies hold 30% of the debt. The rest is by anyone else who purchased bonds on the open market when the treasury sold them. Are you fucking stupid? You think the government just printed 20 trillion dollars with nothing to back it? No hedge funds bought them. China, Japan, Britain, bought them.


"Lots of loans that are shady to say the least are advertised currently on TV in the UK. I'm happily in a situation where I don't need a loan but might be asked to be a guarantor. If anyone asked me to be a guarantor for a loan, I'd either be capable and willing to loan that money to the person myself, or I wouldn't guarantee. I'd never, ever in a million years be a guarantor.  There is one company in particular offering loans ""the good old-fashioned way"" asking for 49.9% interest with a guarantor. That is an interest rate that can bankrupt the guarantor. If you take the loan with me as the guarantor, and you decide that you are not interested in paying back the loan, I'm stuck with this loan. So since the guarantor must trust you, if he or she is established in the UK, the best thing to do would be for them to take a loan from a bank (or any supermarket nowadays will give you a loan at a decent rate) in their own name, give the money to you, and hope that you pay back the money. I'm equally responsible for repayment whether I'm guarantor or whether the loan is in my name, so I'd get that loan at a decent rate from a reputable bank."


Indian exporters run a chain of dangers when entering into new foreign lands with their new products. Exportation of products helps in growing national economies and expanding the international market. For more information simply visit our website now: https://www.seair.co.in/indian-export-data.aspx


That video is 26 minutes long. I much prefer print for anything important. I could read a dozen articles in that time.  Searching for Chaos Theory on that site got me a book. Can you send me the essays or an article you think shows that police and courts can be privatized? I am deeply skeptical.


Can you imagine if Twitter embraced the platform as Trump is trying to use it? They could officially become the digital fireside chat.   Instead? Virtue signaling about ideology. How many shareholder revolts have there been at this point? You can't take such hardline stances while your financials are in the toilet.


There are lots of options out there  * Buy index funds and non industry-specific ETFs   * invest with financial managers and hedge funds (who are bound by laws)  * Invest in real estate and small business   Etc.  The real abuse comes from buying specific equities poised to benefit from policy. And it's a cancer on both sides of the aisle.


Correct. By putting expenses on to a credit card which does not charge interest during the grace period, and paying that balance every month, in effect you earn interest on money you've already spent. However, first, savings account interest is something like .05% right now depending on your bank. Yeah it's money, but seriously, that's 4 cents per month on $1000.  Second, two things can make this very wrong. If you carry a balance, you'll pay much more in interest than you'd get from practically any investment you could make with the cash in the meantime. Second, a debit card can be used to get cash you already have from an ATM (not everyone takes credit, you know), and it'll cost you little or nothing. Use a credit card for the same purpose and you're paying 40% from the second the money comes out of the machine. Also correct. Rewards cards earn you more the more they're used. That's because the card issuer makes money based on usage; they get 3% of each transaction. They're happy to turn 1% of that, up to a limit or subject to a spending floor, back around to you. Again, check the terms and conditions. Most cards have a limit on total rewards. Many of them also have fees, either while you hold the card or when you try to redeem the rewards. Look for a card with high limits or no limits on rewards from spending, and with no annual fee or reward redemption fee. In addition to the above, you build good credit history with good spending patterns. However, your credit score can fluctuate wildly, because on one day you have very low leverage (percent of credit limit used), and on the next you've bought $200 in groceries and so your leverage went up 20% on a card with a $1000 limit. Leverage under 10% is good, leverage under 40% is OK and leverage over that starts looking bad. With a $1000 limit, with you maxing it out and then paying it off, your credit score can fluctuate by 30 points on any given day.


Assuming this is a public company, i'd recommend reading the analyst calls from the last several quarters. This will give you an idea of what investors, and therefor likely the board and senior leadership, are focused on at a very high level. Youre an intern, so dont feel like you need to blow the doors off, but showing that you are aware of the company's major objectives and asking some thoughtful questions about them is probably a good start.


You can be fairly certain that the patent was assigned to Sanofi in exchange for a portion of the revenues or profits, thus generating a return for the investment the Walter Reed Army Institute for Research made.  As to the selling price of the vaccine, that is a different matter. Unlike most western countries, the US doesn't impose price controls on medications, regardless of patent status.


If your taxes aren't going to healthcare, they are going for something else. Taxes won't go away even if we eliminate Medicaid, Medicare, social security and the EPA. Politicians are very good at spending money, so they will find a place for your taxes.   The argument isn't taxes or charity. It's where should taxes be spent for the most good. What will keep the US leading the rest of the world? It isn't charity. It is democracy, standards of living and defense spending.


"Me: ""they pay it as regular income **rather than LTCG**""  You: ""There's no LTCG tax on Roth accounts.""  Me: ""they pay it **as regular income** rather than LTCG""  You: ""You're only taxed once on the money""  Me: ""**they pay it as regular income rather than LTCG**""  You: ""The main advantage of 401ks is that you don't ever pay capital gains tax.""  Congrats, you managed to say **exactly** what I did, with at least two completely irrelevant asides (I never mentioned Roth *or* taxable funds - Though what I said *does* also apply to Roth, despite your increasingly curious protestations).  But please, keep digging..."


Form 10-K is filed by corporations to SEC. You must be thinking of form 1065 (its schedule K) that a partnership (and multi-member LLC) must file with the IRS. Unless the multi-member LLC is legally dissolved, it must file this form. You're a member, so it is your responsibility, with all the other members, to make sure that the manager files all the forms, and if the manager doesn't - fire the manager and appoint another one (or, if its member managed - chose a different member to manage). If you're a sole member of the LLC - then you don't need to file any forms with the IRS, all the business expenses and credits are done on your Schedule C, as if you were a sole propriator.


I didn't say she was qualified for the job; merely that her undergraduate degree doesn't determine her qualification. Again, reading comprehension, please.  If you don't see the value in HR, this merely demonstrates that you haven't worked in effective organizations and/or are too inexperienced to understand what they do and how to work with them to benefit from their value.  And to your deleted comment, again, I'm not myself in HR and you would know that if you were reading and understanding my comments.


"Another factor to consider, beyond the fact that growth and volatility go together, is that the times when many people will need to liquidate their investments will correlate with the times that many other people need to liquidate their investments, and such correlation will push down the immediate value of those investments. While certificates of deposit have penalties for early withdrawal, one can establish up front what the worst-case penalty would be for cashing it in at the most inopportune time.  By contrast, stocks offer no such assurance.  Stocks sometimes have weird downward spikes that may be short-lived, but if life circumstances force one to liquidate stocks during such a downward spike the ""penalty"" can be much larger than on a CD."


The first step I would do is determine the asset class mixture for your current portfolio and the mixture for your new one. If they are the same and all you are doing is changing the funds that you use to invest in that mixture of asset class then just do the change all at once. In this case there is no market risk as you are just swapping funds (hopefully to ones that you feel will better track the underlying asset classes).  If you are also changing your asset class mixture, then it depends on how large the change is. I would still do the whole change at once. But if you are worried about fluctuations then you could slowly rebalance into your final position by taking a couple of intermediary steps. I would still change all of the fund first but maybe in a mix closer to your current asset mix and then over the next couple of months adjust the ratios to reach your final desired asset mix.


You should seek the help of a financial consulting company when your long-term savings plan, which you were grossly misled about and was neglected / mismanaged by the OP and is now worth half the face value of your investments to date.


Stock values are generally reflective of a company's overall potential; and to some extent investor confidence in the prospect of a continued growth of that potential. Sales over such a short period of time such as a single weekend do not noticeably impact a stock's valuation.  A stock's value has more to do with whether or not they meet market expectations for sales over a certain period of time (generally 1 quarter of a year) than it does that they actually had sales (or profits) on any given day. Of course, catastrophic events, major announcements, or new product releases do sometimes cause significant changes in a stock's value.  For this reason you will often see stocks have significant volatility in periods around earnings announcements, merger rumors, or when anything unexpected happens in the world that might benefit or hurt their potential sales and growth. But overall a normal, average weekend of sales is already built into the price of a stock during normal trading.


"I think your best bet here would be HSBC.  They will provide the required currencies, credit/debit cards, and very easy to use online banking transfers.  This includes an online ""Global Account View"" which features all of your accounts on a single screen and allows you to ""drag and drop"" money between accounts. Regarding fees, I suspect you will need to be a ""Premier Account"" holder in order to avoid any fees imposed on transactions such as money transfers and exchanging money between currencies.  In my experience HSBC offers extremely good exchange rates when exchanging ""large"" amounts of money ( greater than $10,000 / GBP 5,000 ).  Exchanging small amounts will carry a larger spread but still much better than most banks offer. In my experience, exchanging GBP 5000 will have a spread of about 0.50-to-0.75 percent, while exchanging more than GBP10,000 will have a spread of as little as 0.10-to-0.20 percent. In order to qualify for a ""Premier Account"", if my memory of HSBC UK serves me correctly, you will need to have at least GBP 50,000 net across all of your HSBC managed accounts, including stockbroking and other investment accounts. In order to open a banking Swiss account, you will need to travel to Switzerland and apply in person.  You cannot open a foreign bank account remotely.  With a foreign investment account, I believe you can open accounts remotely.  For example, I opened an account with Fidelity Switzerland using my Fidelity UK account directly from the UK, however obviously Fidelity does not provide banking services so this is not of interest to you. The simplest thing to do is to visit your local HSBC branch and discuss it with them in person. Other UK banks, such as Barclays, will also provide such services, but in my experience they are not as competitive on fees."


If you read the entire proposal it's a very long term plan. This would basically equal or potentially surpass Seattle. To surpass Seattle you'd need a major metro area larger than Seattle, there are only a few of those. I don't think they would pick an area smaller than Seattle unless they had plans to literally grow a metro area from themselves (which is entirely possible).   The total infrastructure of a major metro area means x # of local people at the educational, experience and income income levels. Real estate should be equal or favorable.   LA has everything besides a favorable tax envionment. Public metro could also be a problem. Everything else is unique confluences of all of the requirements.  It really depends on what industries will be their focus. Amazon fresh obviously with Whole foods like AWS and their ecom being the largest customer of AWS allowing them to earn large customers like the CIA.  I think it would be wise to think in terms of driverless vehicles, drones and 3d printed or fabricated automatic manufacturing and energy in addition to grocery and pharmaceutical.  Being near to customers has been one of their primary vectors since forever. Major metro area heat maps would be a good place to start.


There may be a delay in the hospital's administration processing the payment or they may have misplaced or lost the payment paperwork details. You will just need to keep checking your statement in case the payment still comes through at a later date.


As far as accounting  goes, if you speak with a CPA, you may be able to reduce the business tax liability.  So... the company buys the truck, deducts it, and the adjusted gross income drops, so he'd pay less tax.  Or something.  You said anything helps, hope you meant it!


You can't find any more hidden gems or any popular recent movies on Netflix anymore.  Their library has shrunk by 50% since 2012. Going to /r/netflixbestof is an exercise in futility.   [The Netflix library has collapsed 50% in total title count since 2012](http://exstreamist.com/the-numer-of-titles-in-the-netflix-library-is-down-50-over-the-past-four-years/)


No, the situation is not different, the roll-over rules are the same. It won't be taxable (as opposed to traditional to Roth roll-over), but other than that it's the same. Whether the 401k allows rolling over or not while you're still employed - you have to check with the plan administrator (ask your payroll/HR for details). Usually, the deferred compensation cannot be rolled over out of the 401k while you're still employed.


... can someone explain to me why vanguard of all companies would be asking for this? If they're a company based on broad index funds, then whether or not exxon or Chevron or whoever else has climate change risk is irrelevant to that model, right?


It's hard to be disciplined when the money is right there to be spent. So what you should do is have two bank accounts. One for savings and one for spending. Figure out how much you need to spend per week and have your pay automatically deposit that much into the spending account and divert the rest into these accounts.  Never touch your savings account unless it is an emergency or whatever. In fact, if you really want, you should put it as a termed deposit which you can't touch. As the only thing you see is your spending balance, you'll be forced to get used to living within your means. After a while, you're going to forget that you have that savings account at all.


"A fair point, but I think it's also reasonable for Atheists to stand up and say something when culture blindly equates having religion with being good (and atheism therefore implicitly bad). If no one points it out when people use sayings like ""finding god"" to mean to reforming, it will never change."


For most major banks, wire transfers are simple, if expensive, to arrange.  For example, I can initiate an international wire transfer from my online banking portal.


It's important to distinguish between speculation and investing. Buying something because you hope to make money on market fluctuations is speculation. Buying something and expecting to make money because your money is providing actual economic value is investing.  If Person A buys 100 shares of a stock with the intent of selling them in a few hours, and Person B buys 100 shares of the same stock with the intent of holding on to it for a year, then obviously at that point they both have the same risk. The difference comes over the course of the year. First, Person B is going to be making money from the economic value the company provides over the whole year, while the only way Person A can make money is from market fluctuation (the economic value the company provides over the course of an hour is unlikely to be significant). Person B is exposed to the risk of buying the stock, but that's counterbalanced by the profit from holding the stock for a year, while Person A just has the risk. Second, if Person A is buying a new stock every hour, then they're going to have thousands of transactions. So even though Person B assumed just as much risk as Person A for that one transaction, Person A has more total risk.


"But I think another interesting postscript to this which is relevant at this time is that the orchard wildfire isn't the only thing that can make money ""disappear"".  The use of a currency rather than a transferable note means that it can be an independent store of value, so there are perverse outcomes that can happen that can't happen with IOUs.  So say some particularly wealthy person in the village starts to hoard his money and corners a large fraction of the money supply (say he's anticipating some horrible plague).  The number of Loddars decreases, and the orchard owner starts paying his workers fewer Loddars as a result.  But their debts are denominated in ""old"" Loddars which were easier to come by, and quickly the workers are unable to pay their debts, or have to spend all their money on their debts and have none for anything else.  They default on those debts and the money ""disappears""--but it doesn't disappear for any physical reason (the workers are doing the same amount of work), it disappears because of a shock to the monetary supply.  This is a ""demand shock"" versus the ""supply shock"" of an orchard catching on fire."


The last time I checked (more than a year ago), Wells Fargo had the best rates and they provide next day delivery. They also have international ATMs in New York City.


Asset prices are inversely related to interest rates. If you're valuing a business or a bond, if you use a lower interest rate you get a higher valuation.  Historic equity returns benefit from a falling interest rate environment which won't be repeated as interest rates can only go so low.  edit: typo


BI tapers off as you earn more. It's means tested by the tax department. Getting rid of the welfare means testing and fraud apparatus entirely. Depending on behaviour BI could save money on the current system. Especially as now there would be an explosion of fairly risk free freelancing.


"It's a form of debt issued by the United States Treasury. As the name implies, a 10-year note is held for 10 years (after which you get the face value in cash), and it pays interest twice per year. It's being used in the calculator to stand for a readily available, medium-term, nearly risk-free investment, as a means of ""discounting"" the value that the company gains. The explanation for why the discounting is done can be found on the page you linked. As a Canadian you could use the yield of comparable Canadian treasury securities as quoted by Bank of Canada (which seem to have had the bottom fall out since the new year), although I don't suppose American notes would be hard for a Canadian investor to come by, so if you wanted to be conservative you could use the US figure as long as it's higher."


>It's economics 101, increasing the minimum wage leads to only negative consequences,   Got any citations there friend?  [Why Does the Minimum Wage Have No Discernible Effect on Employment?](http://www.cepr.net/documents/publications/min-wage-2013-02.pdf)  >_Economists have conducted hundreds of studies of the employment impact of the minimum wage.  Summarizing those studies is a daunting task, but two recent meta-studies analyzing the research  conducted since the early 1990s concludes that the minimum wage has little or no discernible effect  on the employment prospects of low-wage workers_  People need to realize that not everyone is capable of middle management in corporate America.  There are people who simply do not have the skill set to do it.  So they take jobs they are suitable for which happens to be retail.  So you're telling me because they don't have a certain skill set that they should be forced to live in shitty, unhealthy conditions because the company they work for is trying to cheap out on the very people who make their company run simply line the pockets of the CEO and shareholders?


Sure they do, but there's no point getting into a bidding war with the machines: it just becomes a question of whether you lose this year or next.   Employers love to use minimum wage disputes as a smokescreen for cutting labor when they automate the jobs they were going to automate anyway.


> an investor is more valuable to a company than an employee is.  It IS possible to run a company without investors. Now try it without workers.  > Furthermore, an investor takes on risk, something an employee does not do. When I purchase CAT stock, I may very well lose everything. I am the last in the long line of creditors. However, the employee does not stand to lose anything...  Incorrect. When you invest in CAT stock you stand to lose everything *that you invested*. If you invested more than you can afford, then that's your own stupidity.  An employee risks their entire livelihood - including all income, healthcare, pensions, etc - on the hope that the company will succeed...and they have less choice about the employment (especially in these days of 'take whatever job you can get') and much less access to the financial statements and company facts that an investor would get.


"It's a risk free investment only if you have 100% warranty that you will be able to sell these stocks for a better price than what you've paid. And that's virtually impossible. I don't think there is any ""risk free investment"" when stocks are involved. You can try to minimize the risks and consider them low, but IMO it's dangerous."


"You are in your mid 30's and have 250,000 to put aside for investments- that is a fantastic position to be in. First, let's evaluate all the options you listed. Option 1 I could buy two studio apartments in the center of a European capital city and rent out one apartment on short-term rental and live in the other. Occasionally I could Airbnb the apartment I live in to allow me to travel more (one of my life goals). To say ""European capital city"" is such a massive generalization, I would disregard this point based on that alone. Athens is a European capital city and so is Berlin but they have very different economies at this point. Let's put that aside for now. You have to beware of the following costs when using property as an investment (this list is non-exhaustive): The positive: you have someone paying the mortgage or allowing you to recoup what you paid for the apartment. But can you guarantee an ROI of 10-15% ? Far from it. If investing in real estate yielded guaranteed results, everyone would do it. This is where we go back to my initial point about ""European capital city"" being a massive generalization. Option 2 Take a loan at very low interest rate (probably 2-2.5% fixed for 15 years) and buy something a little nicer and bigger. This would be incase I decide to have a family in say, 5 years time. I would need to service the loan at up to EUR 800 / USD 1100 per month. If your life plan is taking you down the path of having a family and needed the larger space for your family, then you need the space to live in and you shouldn't be looking at it as an investment that will give you at least 10% returns. Buying property you intend to live in is as much a life choice as it is an investment. You will treat the property much different from the way something you rent out gets treated. It means you'll be in a better position when you decide to sell but don't go in to this because you think a return is guaranteed. Do it if you think it is what you need to achieve your life goals. Option 3 Buy bonds and shares. But I haven't the faintest idea about how to do that and/or manage a portfolio. If I was to go down that route how do I proceed with some confidence I won't lose all the money? Let's say you are 35 years old. The general rule is that 100 minus your age is what you should put in to equities and the rest in something more conservative. Consider this: This strategy is long term and the finer details are beyond the scope of an answer like this. You have quite some money to invest so you would get preferential treatment at many financial institutions. I want to address your point of having a goal of 10-15% return. Since you mentioned Europe, take a look at this chart for FTSE 100 (one of the more prominent indexes in Europe).  You can do the math- the return is no where close to your goals. My objective in mentioning this: your goals might warrant going to much riskier markets (emerging markets). Again, it is beyond the scope of this answer."


The medieval economy was market-oriented. It was totally free or only partially, but it was market-oriented.  Actually at that time it was not known of the potential that had to release or to plan the economy, reason why the economy of such was ambiguous.  A medieval city could mix different market currents: from monopolies (guilds), collectivisms (socialism, corporatism, etc.), to free market.  -  It has more of social system than a economic system. I would say that feudalism had the same economic system as capitalism, of market or free market.  Yes, they are different, but such difference is of social organization and applied ideology.  -  With socialism and communism happen something similar, they are the same (or very similar) economic system organization, the only difference is the social system involved in each one.


This discussion indicates that the accounts are not reported to credit agencies, but the post is also over a year old, and who knows how reliable the information is (it's fairly well-traveled, though).  It's based on one person calling up Trans Union and E-Trade and asking people directly.


"In addition to moving to another company, youre gonna have to play the friend game, at least in my opinion. You will need support from your fellow executives both to get the job and succeed in the job. So get on a golf course, become a church member, etc of c suites youre targeting. You will need a network and the ""in"" to get a real advantage."


Yes, orders like this are very possible.  There are nearly endless possibilities for structuring a trade.  It all comes down to whether you have the money to make the trade at the find you find a counterparty.  If you don't, the order is cancelled. Trades like this happen all day long at Goldman, BAML, Merril, UBS, etc.  And on eBay.


Can you elaborate on how corporate tax cuts exactly drain the economy and destroy jobs?    I feel like, going straight off text-book, his tax-plans make sense. It's very possible that I am a really confused student. (Currently second year student)  -edit  This is my interpretation of the capital-tax-gain-cut proposed by the Trump administration based on what I have learned in Micro/Macro-Econ thus far in college:   Less capital tax = less pressure on the wealthy/entrepreneurs (since you keep bigger portion of your net income, the interest to bring back business should increase) = capital inflow back to the US.    I feel like I'm missing something big here since a lot of folks seem to be against this, and I want to understand why something is the way it is. Thank you in advance.


The $500 minimum is a policy of the ASX. As such any broker that offered a different policy would not be offering direct purchase of exchange traded shares. Note however that this policy applies only to the initial purchase. From the CMC FAQs: The ASX requires a minimum parcel of $500 to be traded if you don’t currently hold that particular security. Once you have $500 worth of an individual security, you can purchase any value of shares you like.


A bond has a duration that can be easily calculated. It's the time weighted average of all the payments you'll receive and helpful to understand the effect a change in rates will have on that instrument.  The duration of a stock, on the other hand, is a forced construct to then use in other equations to help calculate, say, the summation of a dividend stream. I can calculate the duration of a bond and come up with an answer that's not up for discussion or dispute. The duration of a stock, on the other hand, isn't such a number. Will J&J last 50 more years? Will Apple? Who knows?


I think the most concise way to understand EV is the value of the *operating assets* of the firm. It's most generally used when using income statement or cash flow ratios that are unlevered - before applying interest expense (which if the firm is optimally financed, in theory should only impact the equity). Examples include revenue, EBIT, EBITDA, unlevered FCF, etc.  In your hypothetical scenario, you would expect the equity value of the firm to increase linearly as cash builds up. In other words, in some implausible, ceteris paribus formulation of the firm, the enterprise value should remain constant.


It's legal. In fact, they are required to do this, assuming you are in fact a HCE (highly compensated employee) to avoid getting in trouble with the IRS. I'm guessing they don't provide documentation for the same reason they don't explain to you explicitly what the income thresholds are for social security taxes, etc - that's a job for your personal accountant. Here's the definition of a HCE:  An individual who: Owned more than 5% of the interest in the business at any time during   the year or the preceding year, regardless of how much compensation   that person earned or received, or For the preceding year, received   compensation from the business of more than $115,000 (if the preceding   year is 2014; $120,000 if the preceding year is 2015, 2016 or 2017),   and, if the employer so chooses, was in the top 20% of employees when   ranked by compensation. There are rules the restrict distributions from plans like 401ks. For example, treasury reg 1.401a(4)-5(b)(3) says that a plan cannot make a distribution to a HCE if that payment reduces the asset value of the plan to below 110% of the value of the plan's current liabilities. So, after taking account all distributions to be made to HCEs and the asset value of the plan, everyone likely gets proportionally reduced so that they don't run afoul of this rule. There are workarounds for this. But, these are options that the plan administrators may take, not you. I suppose if you were still employed there and at a high enough level, a company accountant would have discussed these options with you. Note, there's a chance there's some other limitation on HCEs that I'm missing which applies to your specific situation. Your best bet, to understand, is simply ask. Your money is still there, you just can't get it all this year.


"if you buy back the now ITM calls, then you will have a short term loss. That pair of transactions is independent, from a tax perspective, of your long position (which was being used as ""collateral"" in the very case that occurred). I can see your tax situation and can see the logic of taking a short term loss to balance a short term gain.  Referring to D Stanley's answer, #2 and #3 are not the same because you are paying intrinsic value in the options and the skew in #2, whereas #3 has no intrinsic value. Of course, because you can't know the future, the stock price could move higher or lower between #2 and #3. #1 presumes the stock continues to climb."


Interesting thing is not all of this analysis is typically done by the person you are speaking with re: your mortgage.  Likely there is an economic team (at some institution or another, as many many loans are sold/distributed in some fashion), finance team, and all of them are looking at various rates etc.  Typically what is offered is matching an offsetting liability somewhere else.  So there may be cases where the spread someone is looking to pick up might be tighter or looser within institutions or types of institutions vs others, even though the overall market is at one place.  (e.g. banks vs. insurance companies).    So you may have negotiating room at a certain term, but not another, or the reverse at another firm.  One firm might have lots of 10 year money, while another might be limited, so will be picky in what they choose.  Either more conservative loan terms/ltv, or a higher spread, for example.  So many things go into the ultimate rate someone can get, but in theory the blog did a decent job.


"If the strike price closest to the underlying has high open interest, the options expiration is a bigger event.   For instance:  stock is at $20 w/ average volume of 100,000 shares per day.    20 strike has 1000 open interest.   In this example the stock will ""most likely"" pin at 20 if we were expiring tomorrow.     As u prob know, long calls at 19.90 close, turn into stock....long puts at 20.10 turn into short stock.   Option pros (high % of volume) dont want to be short or long after expiration.   Long call holders will sell above 20 to hedge, and long put holders will buy below 20.   1000 open interest is equivalent to 100,000 shares.   That's the same amount as the average volume.   Stock can't really move until after expiration.   If I am long 10 $20 calls, and short 1000 shares I am flat going into expiration.....unless the stock gets smoked and now I am synthetically long a put....Short stock + long call= Long Put Then watch out cause it was artificially locked down."


I'm new to this, but how about putting a big part of your money into an MMA? I don't know about your country, but in Germany, some online banks easily offer as much as 2.1% pa, and you can access the money daily. If you want decent profit without risk this is a great deal, much better than most saving accounts.