It will depend largely on your broker what type of stop and trailing stop orders they provide. Saying that, I have not come across any brokers yet that offer limit orders with trailing stop orders.  Unlike a standard stop order where you can either make it a market stop order or a limit stop order, usually most brokers have trailing stop orders as market orders only, where you can either set the trailing stop to be a dollar value or percentage from the most recent high. Remember also, that trailing stop orders will be based on the intra-day highs and not the highest closing price. That means that if the share price spikes up during the day your trailing stop will move up, and if the price then spikes down you may be stopped out prematurely, after which the price might rally again. For this reason I try to base my trailing stops on the highest closing price by using standard stop loss orders and moving it up manually after the close of trade if the share price has closed at a new high. This takes a few minutes each evening (depending on how many stocks you have to check and adjust the stops for) but gives you more control. Using this method will also enable you to set limit orders attached to your stop loss triggers, and you won't have to keep your trailing too close to the last high price thus potentially causing you to get stopped out prematurely. Slightly off track but may be handy if you set profit targets, my broker has recently introduced Trailing Take Profit Orders. The way it works is, say you have a profit target of 50%, so you buy at $2 and want to take profits if the price reaches $3, you could set your Trailing Take Profit Trigger at say $3.10 or above and set a Trail by Amount of say $0.10. So if the price after hitting $3.10 falls to $3.00 you will be stopped out and collect your profits. If the price moves up to $3.30 and then falls to $3.20, you will be stopped out at $3.20 and make some extra profits. If the price continues going up the Trailing Take Profit will continue to move up always $0.10 below the highest price reached. I think this would be a very useful order if you were range trading where you could set the Trailing Take Profit trigger near recent resistance so you can get out if prices start reversing at or around the resistance, but continue profiting if the price breaks through the resistance.


There are many great performers who will make your children’s  party a great way.  A DJ entertainer is one that is certainly a good idea to consider. Children DJ  Entertainment may just be what you need to ensure a successful kids party.  Our experienced DJ performers will keep the party moving and keep the kids busy with fun and excitement for the duration of the celebration. No matter how many party supply catalogs you look.


"There's a big difference between paying for a properly prepared first rate meal, and paying for a microwave jockey to nuke up your bowl of mediocre bulk pre-made bagged soup, your microwaved baked potato, a chain-restaurant cut of flat-top seared steak, and some precooked bread that was probably delivered a few days ago.  The reason places like applebees and bww are failing is because the food quality is atrocious. The food isn't an afterthought, it's the main reason you're there. If it's terrible, there's no reason to go back, and most people have already realized that.  Applebees is quickly reaching ""tainted brand"" status because of this."


No. A company cannot bill you for services you did not request nor receive. If they could, imagine how many people would just randomly get bills in their mail. Ignore them. They don't have a contract or agreement with you and can't do anything other than make noise. If they get aggressive or don't stop requesting money, hire an attorney and it will be taken care of.


Wa Po is not brainwashing people to buy Amazon goods or defend Amazon against monopoly charges.     If they were doing that, I'd agree with you.   But they are not.   They are presenting evidence of crimes committed by the Trump campaign in their collusion with the Russian government.   They are giving insight to the daily dysfunction of the Trump administration.     Trump is appealing to the middle class who lost their shops to Amazon but they lost their shops to modern technology.   ATM machines have replaced a million bank tellers.   Trump isn't against monopolies.   He is lying when he acts like he cares.  He is giving the telecoms an awesome deal for nothing in return.


"It depends on how the program is run. If the company runs the program out of treasury stock (shares that are authorized, but not issued), then there aren't any shares being purchased on the open market.   Because of that, the share price wouldn't be affected.    If you look in your employer's annual report, you will probably find how the program is run and how many shares are issued annually under that program. By comparing that to the daily trading volume of the company's stock you can gauge whether there's any likelihood of the share price being affected by the employee purchases. That is, of course, if shares are being purchased on the open market.  For example, here is Books-A-Million's program, as described in their 2011 annual report: Employee Stock Purchase Plan   The Company maintains an employee stock purchase plan under which shares of the Company’s common stock are reserved   for purchase by employees at 85% of the fair market value of the common stock at the lower of the market value for the   Company’s stock as of the beginning of the fiscal year or the end of the fiscal year. On May 20, 2010, the stockholders of the   Company approved an additional 200,000 shares available for issuance under the plan, bringing the aggregate number of   shares that may be awarded to 600,000. Of the total reserved shares, 391,987, 373,432 and 289,031 shares have been   purchased as of January 29, 2011, January 30, 2010 and January 31, 2009, respectively. This describes an instance of the employee purchase program being run from unissued stock, not open market purchases. From it, we can tell 18,555 shares were issued during the past fiscal year.  As their average daily volume is ~40,000 shares, if the program were run from a single open market purchase, it would have potential to ""move the market"".  One would think, though, that a company running it from open market purchases would spread the purchases over a period of time to avoid running up the price on themselves."


If you are an UK citizen and resident, then no. If you are an EU resident or non-EU resident then yes, but there are conditions. Source You can sometimes get VAT refunds on goods bought in the UK if you: You can’t get a VAT refund for: As bringing a laptop PCSpecialist is an online sale(I bought my desktop from them), I don't think you can claim VAT.


Nothing is wrong and it should be profitable - but it sounds too good to be true. The devil is in the details and you have not described how you found those stocks. For example, you may have scanned the 500 stocks in the S&P 500, and you may have found a few that exhibit that pattern over a given time window. But it doesn't mean that they will continue to do so. In other words they may just be random outliers. This is generically called overfitting. A more robust test would be to use a period, say 2000-2005 to find those stocks and check over a future period, say 2006-2014 if the strategy you describe is profitable. My guess is that it won't.


Where's the data? You made a claim, now yiou can back it up, or you can recant.  Ad hominem attacks don't support an argument, sure, but given that /u/TrumpTaint *has actually provided evidence*, and you haven't, what are you waiting for?


Ok, that's good.  I'd ask you to get in touch with current trends.  Just recently switched jobs and found out I was competing with people that did the undergrad > MBA thing right away.  Very very common.


Except ISP and cell phone providers were basically granted monopolies by the government. Amazon has just built a good company that consumers like but that doesn't mean they'll always be on top. The only way that could happen is if the government granted them the sole right to sell online.


No, you trade the warrant and the warrant price of $11.50 for one stock. The warrant is a little like an option, but with a longer term. If you buy a IPOA.WS warrant then that warrant gives you the option to buy one share of class A stock at $11.50 at a future date.  If in the future, the stock is worth $20, then you make $20 - $11.50 -  per share.  If you buy one IPOA.U, then you get 1/3 of a warrant and 1 share of stock, the warrants will be useless unless you buy in groups of 3 for the IPOA.U.  I didn't see the timeframe of the warrant, they're usually good for 10+ years, and they're currently trading in the $1.5-1.8 range. To confirm, here's a decent article about how warrants work: http://www.investopedia.com/articles/04/021704.asp


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WTF yourself!  Results matter.  Billions of dollars are changing hands, women are trying to be a part of that, and the result is that women are getting a share that is according to most statistical analysis insignificant.  You are getting all defensive as if this could only have happened if some nefarious persons at the top decided it must be so, but the reality is that persons at the top do not dictate results as you fantasize.  Results are more what we end up with as the result of processes more complex than any of us fully understand, and reality most women get excluded early on because of various issues like the intense harassment that they experience at almost every level.  You say nothing stops women, but analysis of available data appears to show that something is stopping women and that oddly enough we also find grotesquely inappropriate behavior is endemic to all involved institutions.  A lot of people get harassed?  You better believe it.  I am a gay man and you would not believe some of the shit that I get in  supposedly open minded tech industries.  The big difference there is that most straight women have a lot of options open to them while as a gay man I can pretty much thrive and make a lot of money or starve to death in a world that is still festering with irrational spite that isn't even typically acknowledged.  We can all do better.  I am sure of that.


eSalesData highly customizable mailing lists will allow your sales teams to rapidly contact livestock executives across 6 continents, virtually guaranteeing you an immensely profitable sales drive. With a comprehensive eSalesData mailing list you’ll find that your sales teams can eschew the time-intensive process of prospecting and instead focus on closing more sales.


His argument seems to be all hinging on the seamless transaction/transfer of money (which I do agree is something that can be made much better) but what about other functions that banks do... like lending (mortgages) ect.   I don't see how that works on blockchain/bitcoin.. and also I don't see why it has to be Bitcoin and not some competing crypto.


There are jobs for all those people - especially with lower corporate income tax. If your addicted to drugs or alcohol - you must take responsibility for your actions and not expect someone who didn't get addicted to bail you out - that only encourages addiction. There are plenty of jobs and it's very simple to apply - just walk up to someone and say I would like to do that job. No excuses.


> He risked a lot in the beginning...  You avoided my question.  Your position is that entrepreneurs deserve great reward because they take on great risk. I disagree. When failure means moving out of your mansion and into a suburban neighborhood, I think that hardly qualifies as risk. Compare that to a single mom who only makes enough money to pay for food or heat. That seems like risk.  Now consider President Trump.  His companies filed for bankruptcy four times but he was able to insulate his wealth from those failures. Is that really risk or just being rich?


It's tough to make a million like Louie did, but it ain't tough to make a normal living. Go watch the documentary about Wilco. Even if you don't like their music, they dissect the problems with the old model music industry (which you could practically extrapolate to the rest of the entertainment industry). Even if they hadn't made enough off Yankee Hotel Foxtrot by selling themselves online, they could have still toured and made enough to recoup costs and pay living expenses.  Bottom line is that the overnight superstar is over and has always been a fluke anyway. You gotta have talent and work ethic and if you get to the point where Louis CK is, then there's no reason (and never has been a reason) to involve a bunch of middle-men. Louis CK was just as happy to make ~30k a year touring shitty clubs as he is making $1 mil + self releasing a show. That's the way it should be.


If you dig this you should check out the DEFCON YouTube channel. Deviant Ollum, who’s mentioned in the article, has done several incredibly fascinating conference talks about his exploits doing physical penetration testing. And that’s just the tip of the ice burg.   Warning: this is a multi-hour rabbit hole.  https://www.youtube.com/user/DEFCONConference


If this is because he wants to avoid paying taxes, will I get in trouble if I agree to have him work on my vehicle? You should check your state and local sales tax laws to be certain, but in my state you have no liability if he does not pay his taxes.  That's his problem, not yours.  The biggest risk for you is if something goes wrong, you have no proof that the work was ever done, so it's possible he could deny that any transaction ever took place and refuse to correct it or refund your money.  So at worst you're out what you paid for the service, plus what it would cost you to fix it if you needed to and chose to do so.  If you don't want to take that risk, then insist on a receipt or take you  business elsewhere, but there's no criminal liability for you if he chooses not to report the income. EDIT Be aware, though that state tax is levied at the state and local level, so the laws of your individual state or city may be different.


erm...  a) H1b applications went down over 90% in the last two years because the US does not offer anything better anymore (keep in mind, H1b means a Corp. vouchers for you and you can only stay as employee in the country, you can switch employer but you can't just start a startup or something. fired and no new employer? you get kicked out of the country. which also happens 6 years later no matter what because the visa only lasts 3+3 years and is a lottery so applying doesnt mean you actually get it. so why come in the first place?)  b) H1b visa holders must be payed appropriate.  c) if I can get hired by MS in the US, I can also work for a US office anywhere else, and they have plenty.   d) H1b means you have either 4 years university possibly with degree or you can prove that you worked 3 years for each university year and have therefore a minimum of 12 years job experience in the field you're hired. again, if Microsoft, why in the US? pay in your own country is probably better.  the whole worker visa system is doomed. they should give out IT greencards like Germany tried it many years ago to bring in foreign talent. a visa that is not chained to the employer that vouched for you but let's you open up a startup and stay for longer. h1b pretty much let's you stay in a country that takes taxes for you, you have to obey their laws but you get no benefits and 6 years later you get kicked out. if you want to come back after 6 years you have to stay out at least 1 years, then you're allowed to participate again in the yearly H1b lottery which means almost 2 years after you got kicked out you might win again and you can return to work for the company.    seriously, would you like to be in that situation? building a life in a new country with a countdown attached to it?   (I just left the US after 6 years on H1b)   edit: btw. they are already charging 8 or 12k since 2012 per application. up from 1500 - one of the explanations why applications are down.


It would be very bad for the global economy. China trade partners would suffer too. It would probably play out as an uncontrolled domino-effect of bankruptcies, runs on the banks, then banks go under, then social unrest, then we profit enormously when things are at their very worst.


Risk. A shorter-term mortgage is less risky than a long-term mortgage - in this case there's half the chance of something bad happening because there's half the time allotted (15 vs 30 years). Bad things include you going bankrupt, massive inflation, or your home being destroyed in a meteor impact that your insurer won't cover. They entice consumers to these less risky mortgages by offering a lower interest rate.


"> It stated that separation of classes was being actively orchestrated.  Where did you see that?  The message I got from the article is that the affluent make choices that unintentionally puts more separation between themselves and the poor.  >> ...it is a simple fact that you would get further with hard work and good parenting in a rich area than in a poor one.  > Do you have anything to support your ""fact""?  Sure, how about [study after study shows one of the best predictors for your success in life, however you wish to define it, is the affluence of the zip code of your birth](http://www.pbs.org/newshour/making-sense/america-inequality-begins-womb/)."


They may be able to transfer the land to a charitable remainder trust, which then enters into the transaction and pays them an income stream over their lifetime -- but definitely hire a professional before you attempt to do this.


Multistate Impact of the American Taxpayer Relief Act of 2012  In general, states with rolling conformity will follow this change. States with specific date conformity will continue  to follow the date of conformity currently in effect and will not follow the change. A few states may have their own  QSBS rules and will not conform to or be impacted by this provision of the Act. The chart that follows summarizes  these principles as applied to the enumerated states:  STATE: QSBS Exclusion Conformity:  California statutes refer to the IRC QSBS provisions but modify and limit their  applicability, and would not be impacted by this provision of the Act. However, California’s provisions were ruled unconstitutional in recent litigation and the California Franchise Tax Board has recently taken the position that gain exclusions  and deferrals will be denied for all open tax years. Florida Florida does not impose an income tax on individuals and therefore this provision of  the Act is inapplicable and will have no impact.  Illinois Due to its rolling conformity, Illinois follows this provision of the Act.  Because New York effectively provides for rolling conformity to the IRC, through  reference to federal adjusted gross income as the state starting point, New York  effectively follows this provision of the Act.  Texas does not impose an income tax on individuals


"The $1K in funds are by default your emergency fund. If absolutely necessary, emergency funds may need to come from debt, a credit capacity, focus on building credit to leverage lower rates for living expenses eventually needed. Profitable organizations & proprietors, borrow at a lower cost of capital than their return. Join your local credit union, you're welcome to join mine online, the current rates for the first $500 in both your checking and savings is 4.07%, it's currently the fourth largest in the U.S. by assets. You may join as a ""family member"" to me (Karl Erdmann), not sure what their definition of ""family"" is, I'd be happy to trace our ancestry if need be or consider other options. Their current incentive program, like many institutions have often, will give you $100 for going through the hassle to join and establish a checking and savings. Some institutions, such as this credit union, have a lower threshold to risk, applicants may be turned down for an account if there is any negative history or a low credit score, shooting for a score of 600 before applying seems safest.  The web services, as you mentioned, have significantly improved the layman's ability to cost effectively invest funds and provide liquidity. Robinhood currently seems to be providing the most affordable access to the market. It goes without saying, stay objective with your trust of any platform, as you may have noticed, there is a detailed explanation of how Robinhood makes their money on this stack exchange community, they are largely backed by venture funding, hopefully the organization is able to maintain a low enough overhead to keep the organization sustainable in the long run. The services that power this service such as Plaid, seem promising and underrated, but i digress. The platform gives access for users to learn how investing works, it seems safest to plan a diversified portfolio utilizing a mix of securities,such as low Beta stocks or ""blue chip"" companies with clear dividend policies. One intriguing feature, if you invest in equities is casting votes on decisions in shareholder meetings.  Another popular investment asset class that is less liquid and perhaps something to work toward is real estate. Google the economist ""Matthew Rognlie"" for his work on income equality on this type of investment. There are many incentives for first time homeowners, saving up for a down payment is the first step. Consider adding to your portfolio a Real Estate Investment Trust (REITs) to gain a market position. Another noteworthy approach to this idea is an investment commercial property cooperative organization, currently the first and only one is called NorthEast Investment Cooperative, one stock of class A is $1K.  If you are interested and plan to focus on equities, consider dropping into your college's Accounting Capstone course to learn more about the the details of fundamental and technical analysis of an organization. The complexities of investing involve cyclical risk, macro and micro economic factors,  understanding financial statements and their notes, cash flow forecasting - discounting, market timing, and a host of other details Wikipedia is much more helpful at detailing. It's safe to assume initial investment decisions by unsophisticated investors are mostly whimsical, and likely will only add up to learning opportunities, however risk is inherit in all things, including sitting on cash that pays a price of inflation. A promising mindset in long term investments are in organizations that focus on conscious business practices. Another way to think of investing is that you are already somewhat of a ""sophisticated investor"" and could beat the market by what you know given your background, catching wind of certain information first, or acting on a new trends or technology quickly. Move carefully with any perhaps biased ""bullish"" or ""bearish"" mindset. Thinking independently is helpful, constantly becoming familiar with different ideas from professions in a diverse set of backgrounds, and simulating decisions in portfolio's. Here is an extremely limited set of authors and outlets that may have ideas worth digging more into, MIT Tech Reviews (Informative), Bloomberg TV (it's free, informative), John Mackey (businessman), Paul Mason (provocative journalist). Google finance is a simple and free go-to application, use the ""cost basis"" feature for ""paper"" or real trades, it's easy to import transactions from a .csv.   This seems sufficient to start off with. Enjoy the journey, aim for real value with your resources."


Awsome thanks for the tips! I had the chance to choose in the Emerald Aisle at National which car when I was in LA...and they had base model Mustang vs Camaro vs Challenger...and in the end I went with a 300C but next time I'll try for something a bit sportier. I've heard that the visibilty in camaro is bad and the challenger is a whale...so Mustang may be best choice between the 3


"There is a term for this. If you google ""House Hacking"" you will get lots of articles and advice.  Some of it will pertain to multifamily properties but a good amount should be owner occupied and renting bedrooms. I would play with a mortgage calculator like Whats My Payment.  Include Principle, interest, taxes and insurance see how much it will cost.  At 110k your monthly fixed payments will depend on a number of factors (down payment, interest, real estate tax rate and insurance cost) but $700-$1000 would be a decent guess in my area.  Going off that with two roommates willing to pay $500 a month you would have no living expenses except any maintenance or utilities.  With your income I would expect you could make the payment alone if needed (and it may be needed) so it seems fairly low risk from my perspective. You need somewhere to live you are used to roommates and you can pay the entire cost yourself in a worst case. Some more things to consider.. Insurance will be more expensive, you want to ensure you as the landlord you are covered if anything happens.  If a tenant burns down your house or trips and falls and decides to sue you insurance will protect you.   Capital Expenses (CapEx) replacing things as they wear out. On a home the roof, siding, flooring and all mechanicals(furnace, water heater, etc.) have a lifespan and will need to be replaced.  On rental properties a portion of rent should be set aside to replace these things in the future.  If a roof lasts 20yrs,costs $8,000 and your roof is 10years old you should be setting aside $70 a month so in the  future when this know expense comes up it is not a hardship. Taxes Yes there is a special way to report income from an arrangement like this.  You will fill out a Schedule E form in addition to your regular tax documents. You will also be able to write off a percent of housing expenses and depreciation on the home.  I have been told it is not a simple tax situation and to consult a CPA that specializes in real estate."


"I too am a full-monthly-statement-balance payer and I received a balance transfer offer from my credit-card company. This one was quite different from many others that I have read about on this forum. I could do a balance transfer for any amount up to $X from another credit card, or use the enclosed ""checks"" to pay  some other (non-credit-card) bills, and I would not have to pay any interest for 12 months on the amount thus borrowed.  But, There would be a 2% service charge on the amount I was borrowing. This amount would be billed on the next monthly statement, and it would have to be paid in full by the due date of that month's payment, that is, within the 25-day grace period allowed for payment of monthly statements. Else, interest would start being charged on the unpaid part of the service charge at the usual humongous rate of H% per month. If I had not paid the previous month's balance in full, I would be charged interest at H% per month on the service charge starting from Day One; no free ride till the due date of the next month's statement. Of course, the balance carried over from last month would also be charged interest at H%. If I had paid last month's bill in full, but there were any other charges (purchases) during the current month, then  unless the entire amount due, this month's purchases plus service charge and that ""interest-free-for-twelve-months loan""  balance was paid off within the 25-day grace period, my purchases would be deemed unpaid and would start being charged interest. In short, the only way to avoid paying interest on the amount borrowed was to start with a card showing a $0 balance due on the previous month's statement, not make any charges on that card for a whole year, and pay off that 2% service charge within the grace period. It might also have required that one-twelfth of that interest-free loan be repaid each month, but  I had stopped reading the offer at this point and filed it in the round circular file. In short, while @JoeTaxpayer's tale of how ""As a pay-in-full user, I've used the zero rate to throw $20K at the 5.25% mortgage"" is undoubtedly how things worked once, it is not at all clear that they still work that way. At least, they don't work that way for me.  Heck, once upon a time, for a period of about 3 months, you could earn 1.5% interest per month from the credit card company by overpaying your credit card bill considerably. Their computers then just ""added on"" 1.5% interest by multiplying your credit balance -$X by 1.015 and so you got 1.5% per month interest from the credit card company. The credit card agreements (and the software!) got changed in a hurry, and nowdays all credit-card agreements state in the fine print that if you overpay your bill, you don't earn any interest on the overpayment."


This is not really a fair response to the article. The article explicitly addresses the different treatments for different cancers, it advocates the principle of vaccines as a treatment for a class of disease, one they have not really been adapted to previously.   In fact, many cancers do have a lot in common, though they use different pathways to achieve immortality, many have disruptions to common apoptopic mechanisms with key genes/proteins like KRAS and PTEN being common problems. The idea of stimulating immune responses as a course of treament to cancer in general is a perfectly valid classification of these approaches, though not the only one.


The author makes a quick jump here conflating Walker's efforts against public sector unions and the long-term decline in private sector unions.  These two are analytically, politically, and perhaps even morally distinct.  He then makes a correlation argument: union membership has declined and conditions for the worker have gotten worse.  He doesn't substantiate the latter point, nor does he draw a causal link between the two.  There are decent explanations for the secular decline of union membership: sectoral shifts in the economy away from labor-intensive manufacturing and toward technology, information, and service-sectors in which unions are traditionally not present nor as necessary.  > The weakening of unions has had a huge political effect as well: the realignment of the white working class. Since the ’60s, exit polls have shown that unionized blue-collar whites vote Democratic at a rate 20 to 30 percent higher than their nonunion counterparts. The decline in union membership has weakened Democrats in such heavily white, increasingly deunionized states as West Virginia and Wisconsin…  The author is placing the cart before the horse here.  White working class voters don't think that Democrats represent their interests, so why would they continue to financially support unions that guarantee that their dues will go to politicians who don't represent them?  White working class voters are going to voluntarily join associations that support their own interests and identities, and that's apparently not unions.  If the white working class thought that the Democrats represented their interests, union membership would probably not have declined to such a degree in these regions.


I do feel like you do need to be lucky in this hiring environment. When employers can get everybody and their dog to apply for a given job, you need to have that four-leaf clover (or at least a referral, which, lucky me, I don't in almost all cases). Now of course, you can keep applying, yes, and you can keep working hard at it... but that doesn't necessarily mean you'll eventually get lucky. It just means that you're now competing with different people who get lucky sooner than you do, and new people who get lucky sooner, and so on, and so on. That's the problem with luck - it's never certain, so in theory it may never come through for you. And that terrifies me when I think about it that way.  Of course, all I can do is keep applying, as it does me no good to acknowledge the potential futility of it all and give up. I'm just saying that as a mathematician/statistician, I'm very aware of probabilities. I always feel like the probability of getting accepted anywhere is close to 0, and sure, the odds increase the more I apply... but that doesn't mean they reach 1.


My mortgage is with WF. I want to get away from them. I'm going to try to move in a year or two, and then I'll make sure I never touch them again.  I have an account with a credit union. I'll be transferring everything over to there.


Wrong,  these companies sell fossil fuels,  1,000,000 others consume them..  Solve the problem at the buyer not the seller..    More anti western oil company fluff herw with nothing intelligent to say except to undermine its own premise with only 2 of the top producers being the western ones they are targeting..


I would admit that I don't have all the details, but the VA is corrupt and inefficient, including the 8 years under Obama.  Firing people and holding them accountable is good.  As for cutting disability pay, I need to look into that.


"No, there are neither advantages nor disadvantages. I'll take on this question from an accounting standpoint.   Financial statements, the tools at which the market determines (amongst other things) the value of a stock, are converted at year end to the home currency (see 1.1.3).If Company A has revenue of 100,000 USD and the conversion to EUR is .89, revenue in the European market will be reported as 89,000 EUR. These valuations, along with ratios, analysis, and ""expert"" opinions determine if a person should own shares in Company A.  Now, if we're talking about comparing markets this is a entirely different question.  Example:  Should I buy stock of Company A, who is in the American market (as an European)?  Should I buy stock of Company B, who is in the European market (as an American)? I would recommend this as additional level of diversification of your portfolio to inlcude possible large inflation of either the currency. The possible gains of this foreign exchange may be greater if one or the other currency becomes weak."


"I have no idea where you are getting your years from.  Millennials are typically defined as being born between 1980 and 1996.  Gen-X ends around 1979, and the not-yet-nicknamed Generation Z (perhaps ""iGeneration"", suggested by some?) starts around 1997.  Of course, there isn't full agreement on the start year, as you even quoted, but it's typically early 1980s (I've seen 1979-1982; your given start year of 1993 makes no sense).  The end year is more up for debate; 1996 is very common but I've seen as early as 1995 and as late as 2000 depending on who you talk to.  One common definition of Millennials is people who are too young to be Gen-X, but old enough to remember the September 11 attacks.  The ""18 to 34"" range that you quoted was probably written a couple years ago, or at least from the mindset of a couple years ago when that would have been accurate.  And [quoting Wikipedia](https://en.wikipedia.org/wiki/Millennials), not that it is a definitive source:  > researchers typically use the early 1980s as starting birth years and the mid-1990s to early 2000s as ending birth years"


If you put it in a normal account it is (1) taxed as ordinary income now and then (2) any growth is taxed again at the capital gains rate.  Additionally, (3) any dividends will be taxed each year.  If you put it in a 401(k), you will only be taxed once, at the ordinary income rate.   Mathematically, if you start with X and have a regular tax rate of t and capital gains rate of g and your investments return r and there are n years to retirement, then your total wealth if you put it in a mutual fund (ignoring annual taxes on dividends) will be While if you used a 401(k) it would simply be The whole g term (along with any annual taxes on dividends) is gone in the second case and that's potentially a lot of taxes.  The 401(k) is much better in terms of total wealth unless tax rates dramatically rise between now and when you retire so that the t in the second case is much higher than in the first. This is virtually never the case for people retiring now.  Of course, what tax rates the future holds, we do not know.


"How can I use a house I own free and clear to purchase another home? Answer: walk in to any bank, that's any bank, or any lending institution. State that you own a house free and clear. This will happen: In all jurisdictions, it's incredibly easy to borrow large amounts of money at the lowest possible rate, once you own a house outright. On top of that, you want to spend the money on another house (as opposed to s sports car or the like), so you have even more equity.  Winner! Your main question will be this.  Say your current house (owned outright!) is worth $500,000.  Go to a bank or lender, and say to them, ""How much money will you give me to buy house B putting both the houses on the mortgage.""  One bank will say ""fantastic!  buy any house you want up to $400,000!""  Another will say ""$450,000!"" another will say ""$300,000!""  In a hot market another will say ""$650,000!"".  So shop around and see who will give you the most."


Yes, you can pay for chiropractic and dental through an HSA. If you do this, you are essentially paying for these things with before-tax money. Your savings depend on which tax bracket you are in; for example, if you are in the 15% bracket, you will essentially save 15% on these expenses by contributing the money into an HSA, and then paying out of that account, instead of paying directly with after-tax money.  In order to be eligible to contribute to an HSA, you need to be enrolled in a High Deductible Health Plan (HDHP). If you don't know if your current health insurance plan is an HSA-eligible HDHP, you can ask your health insurance provider.


Well it goes without saying that you aren't trying to get one over on the company you're complaining about.    I had an icemaker that I paid a crazy amount of money for and the company refused to admit that 5 service within calls six months of installation was out of the ordinary.  One complaint to the BBB and suddenly they were tripping over themselves to send out a new unit.    Was still a piece of shit, gave up, bought a $200 ice maker from walmart and have never had a problem.    But between BBB and chargebacks I've stopped eating shitty company behavior.


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"Can you show me evidence to support the claim that this website is ""checked by multiple sources"" and ""maintained by media reviewers""? Also how is ""it rings true"" anything other than saying it's true because it confirms what I already believe?  From the methodology section of his website:   > **Disclaimer**: The methodology used by Media Bias Fact Check is our own.  It is not a tested scientific method.  It is meant as a simple guide for people to get an idea of a source’s bias.    > MBFC News was founded by Dave Van Zandt in 2015.  Dave studied Communications in college and over the years has focused on personal research in media bias and the role of media in politics.  His expertise is that he studied communications in college.  Communications is a required course in most colleges, giving anyone who attended college for one semester the same level of expertise in that field as him, including me.  Let's see who his contributors are:  Dennis Kelly - Professor of Religious Studies  Dr. Michael Allen - Professor of systematic theology  Faith Locke Siewart - Photographer  Aaron O'Leary - middle school teacher  According to the website itself. None of the content creators on the website have any history or expertise in media, communications, media research or any relevant field. Also, they admit in the disclaimer that their methodology is not a tested scientific method, which means it isnt a methodology at all, and it isn't subject to peer-review or fact-checking like you claimed.   The only evidence for the legitimacy of this website, is that it confirms what people already believe.  You can't get mad about being called fake news when you're essentially using some dudes blog as a source."


"Lending of shares happens in the background. Those who have lent them out are not aware that they have been lent out, nor when they are returned. The borrowers have to pay any dividends to the lenders and in the end the borrowers get their stock back. If you read the fine print on the account agreement for a margin account, you will see that you have given the brokerage the permission to silently loan your stocks out.  Since the lending has no financial impact on your portfolio, there's no particular reason to know and no particular protection required.  Actually, brokers typically don't bother going through the work of finding an actual stock to borrow.  As long as lots of their customers have stocks to lend and not that many people have sold short, they just assume there is no problem and keep track of how many are long and short without designating which stocks are borrowed from whom. When a stock becomes hard to borrow because of liquidity issues or because many people are shorting it, the brokerage will actually start locating individual shares to borrow, which is a more time-consuming and costly procedure.  Usually this involves the short seller actually talking to the broker on the phone rather than just clicking ""sell."""


Agreed. What this settlement does is ensure that the people who committed the fraud are safe. The current management, employees, shareholders, and customers have nothing to do with what happened 7-10 years ago, but they are the ones that will end up paying to permanently close any potential liability to the people who commited fraud.


working for a large oil company as an IT person, it's really, really difficult to do business in California. There are so many regulations and standards that it's almost too much for a refiner to put up with.  I'm a typical Redditor.. net neutrality, moderate liberal, etc... and I understand the need for the EPA.. but too much legislation can really be a bad thing for refiner and customer alike.


It's legal. I have documentation to prove it. Also a location and phone number for said legal weed shop. On top of all that I trust my celeb friend implicitly. Why would she try to fuck me over?


Basically, a bonus is no different from your normal income. You will get the same benefits from putting the money in a 401(k) as you would if you decided to put more of your normal income into a 401(k).


FICA/SE taxes are not 30%. They are at most ~15%, including the employer portion. Employer also pays FUTA tax, and has additional payroll expenses (like fees and worker compensation insurance). The employee's FICA portion is limited up to a certain level of earnings (110100 this year, IIRC). Above it you only pay medicare taxes, not social security. S-Corp earnings are not taxed at 15%, these are not dividends. They're taxed at your ordinary income rate. You don't pay SE taxes on it, that's the only difference. I hope you're talking about tax treatment decision, because there are entirely different factors to keep in mind when you're organizing a business and making a decision between being it a LLC or a corporation. I believe you should pay some money to get a real advice that would apply to you, from a EA/CPA who would be doing the number-crunching (hopefully correctly). I'm a tax practitioner, and this answer was not intended or written to be used, and it cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer.


"I interpret that to mean ""vice"" stocks and necessities.  ""Cake"" may just be a nicer way of saying ""sin"" (see The Virtues of Vice Stocks) and includes ""lesser sins"" like sweets and soda in the group. ""Underwear"" likely means things that people are going to buy regardless of the economy - daily staples, which are generally safer stocks."


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Understood. Similar to how doctors who go through/pay for med school prevent me from practicing medicine to profit.   Unsure what you think the average bbg user is doing with the terminal, bud. It's definitely not day-trading, at least not in the way you the think.


A huge part of the problem is that low income people have been very heavily marketed to by the online and for profit colleges because they were eligible for financial aid (mainly loans) and were seen ONLY as a straw through which to suck money out of the government by these “schools”. Because they were only interested in the money, there was no attempt to qualify students in many of these schools or provide any support to them. When students dropped out their “counselors” would keep signing them up for classes that they didn’t know about or attend.   Because a lot of the schools are bullshit schools with either no reputation or a poor one, even those who finished were largely not able to get the high paying jobs they were promised in order to lure them in. This goes for low income students, especially ones whose families have no previous experience with post high school education, across the board, and all of this group is far more likely to default (because they were basically ripped off, got nothing useful from these bogus schools and were often outright defrauded, and do not have the income they were told they would have when agreeing to the loans) but because there is a higher percentage of minorities among this group they are more likely to be defaulters. But our unforgiving student loan system doesn’t differentiate between loans for real eduacation and loans for these rip off “schools” so you are still 100% on the hook regardless. Even if they signed you up for several more semesters’ worth of classes after you “withdrew”.  It’s a lot like the mortgage collapse—desperate to keep making money, the lenders targeted increasingly less qualified people who were also naive about the entire system and sold them terrible loans (sometimes talking them out of more reasonable options) and then when the whole thing starts to fail, it’s all “because the government made the banks give mortgages to poor black people”.  The institutions suck up the money and leave bewildered poor people holding the bag, now even poorer with nothing to show for the debt they will literally be digging out of forever.   The Obama administration FINALLY took some steps to control the predatory for-profit institutions and try to sort out who had been ripped off vs people who had genuinely received any useful education, but of course the new Sec of Education is doing her best to roll all that back.  And most of the victims aren’t teens either. They are adults with kids who were trying to do something to better themselves and their lives and got screwed over. Some of these middle aged people will literally be having their Social Security garnished to pay for these loans. It’s disgusting, and even more so to say it’s all affirmative action.


"This is the best tl;dr I could make, [original](http://thehill.com/latino/336667-puerto-rico-goes-to-the-polls-for-statehood) reduced by 88%. (I'm a bot) ***** > As a candidate, he said, &quot;The will of the Puerto Rican people in any status referendum should be considered as Congress follows through on any desired change in status for Puerto Rico, including statehood.""  > Statehood supporters argue that territorial status has held back the island&#039;s economy by creating a legal structure where Congress can pick and choose how national laws - most notably tax laws - apply to Puerto Rico.  > He penned a letter to Attorney General Jeff Sessions objecting to the ballot&#039;s title, &quot;Plebiscite for the Immediate Decolonization of Puerto Rico.&quot; Wicker said that Puerto Rico has not been a colony since its annexation from Spain in 1898.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6gbb0b/puerto_rico_goes_to_the_polls_for_statehood/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~140472 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Puerto**^#1 **statehood**^#2 **vote**^#3 **Rico**^#4 **state**^#5"


Loans are indeed a bitch. You should make enough to cover your expenses and live comfortably. Any salary above that is at your discretion. You shouldn't feel pressured to compete for highest salary because if you're happy, it really doesn't matter.


"I know WFM have an expensive reputation, but their prices aren't that bad on many things, their products are generally high-quality, and the store experience (cleanliness, checkout flow, etc.) is better than most other supermarkets I know of. I feel like customer service could be better, but I digress.   With that being said, I hope that Amazon aren't going to lower the quality standards along with the prices. I don't want WFM to become another lousy Walmart ""Neighbourhood Market."" I personally don't care for their image, rather the value I get, but Amazon's agenda can potentially erode both their image and value."


You normally wouldn't pay income taxes on money that isn't income. Transferring money or withdrawing it from a bank isn't an income generating event. I think it is very doubtful that you would need to claim that on income tax forms.


What you are describing is called a Home Equity Line of Credit (HELOC). While the strategy you are describing is not impossible it would raise the amount of debt in your name and reduce your borrowing potential. A recent HELOC used to finance the down payment on a second property risks sending a signal of bad financial position to credit analysts and may further reduce your chances to obtain the credit approval.


Not being catered to?  Shows are routinely cancelled after only 3,4,5 episodes because they don't appear to be tracking as a smash hit.  (to be replaced by some whipped up reality trash, I might add).  If anything, I think they pay too much attention to public opinion.


When you initiate a chargeback, the merchant has the right to dispute the chargeback.  If they can provide proof that the purchase actually took place, the chargeback will fail. We don't know all the details of your situation, of course, but it appears from what you have said that the tax chain probably has documents that you signed agreeing to the charges.  They prepared your return (even if they did a poor job), and so from their perspective, they have decided that they deserve to be paid.  Whether or not they did a good job is a matter of opinion, of course; their position might be that they did it correctly, and the second business did it poorly.   The chargeback is a powerful tool, but it is not a magic button that makes a charge disappear.  If the merchant can show that a sale did indeed take place and show that the proper amount was charged, the chargeback will fail.  For a service, it isn't enough usually to simply state that you were unsatisfied; if you received the service at the agreed-upon price, the charge is valid. A chargeback is sort of a nuclear option when it comes to getting a refund.  There are negative ramifications and expenses every time a merchant gets a chargeback (even if they ultimately win), and so often they will be willing to work something out to avoid a chargeback.  You should go to the merchant first, if you can, and ask for a refund before considering the chargeback option.  If you file a chargeback without even giving them the opportunity to work it out with you, the merchant will usually want to fight back.


>If AUD loses half it's value, forget your 3.75% you've just lost half your savings.  Aaaah see now it's making sense. Basically I'm uncovered on any changes in the FX rate and if i hedged that with a currency swap I'd lose any gains from my interest rate due to the arbitrage that would be captured by larger FX firms (who would be the writer of my currency swap?) ?  I'll refresh my irparity knowledge later.


it's been a staple for many years now actually.  for larger items, and especially for automotive, it doesn't make sense to produce overseas and ship to the states.  besides the option of mexico and canada, it costs way less to manufacture in the US.  that's why you see all OEM car makes have at least a plant or two in the US.


"**Are you nuts?**  >*""Are you talking about TARP because that was paid back early and at 6.2% interest, the gov't made money on that bailout. The auto bailout however lost the gov't billions at the taxpayers expense and the bondholders got screwed over and the unions made out like bandits. Your title just shows how bias and uneducated you are on the subject. ""*  I'm talking about the GFC/Global Financial Crisis. In 2008.   -------------QUOTED TEXT--------------  http://en.wikipedia.org/wiki/Financial_crisis_of_2007%E2%80%9308  This article is about the financial crisis that peaked in 2008. *For the global recession triggered by the financial crisis, see [Great Recession](http://en.wikipedia.org/wiki/Great_Recession).*  The financial crisis of 2007–2008, also known as the Global Financial Crisis and 2008 financial crisis, is considered by many economists the worst financial crisis since the Great Depression of the 1930s.[1]   It resulted in the threat of total collapse of large financial institutions, the bailout of banks by national governments, and downturns in stock markets around the world. In many areas, the housing market also suffered, resulting in evictions, foreclosures and prolonged unemployment. The crisis played a significant role in the failure of key businesses, declines in consumer wealth estimated in trillions of U.S. dollars, and a downturn in economic activity leading to the 2008–2012 global recession and contributing to the European sovereign-debt crisis.[2][3] The active phase of the crisis, which manifested as a liquidity crisis, can be dated from August 9, 2007, when BNP Paribas terminated withdrawals from three hedge funds citing ""a complete evaporation of liquidity"".[4]  The bursting of the U.S. (United States) housing bubble, which peaked in 2006,[5] caused the values of securities tied to U.S. real estate pricing to plummet, damaging financial institutions globally.[6][7] The financial crisis was triggered by a complex interplay of policies that encouraged home ownership, providing easier access to loans for (lending) borrowers, overvaluation of bundled subprime mortgages based on the theory that housing prices would continue to escalate, questionable trading practices on behalf of both buyers and sellers, compensation structures that prioritize short-term deal flow over long-term value creation, and a lack of adequate capital holdings from banks and insurance companies to back the financial commitments they were making.[8][9][10][11] Questions regarding bank solvency, declines in credit availability and damaged investor confidence had an impact on global stock markets, where securities suffered large losses during 2008 and early 2009. Economies worldwide slowed during this period, as credit tightened and international trade declined.[12] Governments and central banks responded with unprecedented fiscal stimulus, monetary policy expansion and institutional bailouts. In the U.S., Congress passed the American Recovery and Reinvestment Act of 2009.  (continued- thats just the first two paragraphs)"


When it comes to apps, ideas have little value compared to the ability to execute on an idea. If you are not a developer, ask yourself what value you bring to the business besides having an idea. Can you test the value of this idea before it's an app? Is there a market for it? Do you have capital to invest in development, marketing, and production?


There it is. The core difference between our perspectives. You believe there are innate human needs that can be known objectively, and I do not.   I believe that human needs are inherently subjective, and their degree of satisfaction or lack of satisfaction is unknowable to anyone but that individual.  Both language and observable behavior offer an incomplete picture of a person's internal state. I think philosophy calls this privileged access.


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This is called a Life Annuity, and any life insurance salesperson will gladly sell you one.


Not always true. A few good companies understand that if they hire the best, and pay for it, they will outpace their competitors through sheer quality.   But keeping wages low is just easier to do than finding and hiring the best, a managing the whole thing well.


>It depletes the assets of the bank.  Let's be realistic - no, it does not. It's a marginal cost that is passed on to their customers. So, it harms the public.   >They should be breaking into investment banks and destroying their computers, which are actually essential to financial operations and worth large sums to replace per-unit.  The costs of which will be passed on to customers.   >That is, they believe in direct action (violent  Making them no better than statists, when they inflict violence. And often on innocent people, like the customers of the bank who get to pay higher fees.   >The tendency to not give a shit about their image is a fault of theirs, but only in the sense that we Jews are also at fault for not giving a shit about our image: it's not like it would help.  Image is EVERYTHING - it's the only thing that supports the existing murderous regime. And that's exactly what anarchists don't get.


So Bain buys the company in 2010 which at the time has no debt. 7 years later the company files for bankruptcy and blames outdated systems and online retail.    Sounds like complete bullshit to me. I wonder how much Bain sucked out of the company before letting it wither out and die?  I'm guessing the purchase of the company was financed against Gymboree and then add some hefty management fees and cut back on capital expenses and all of sudden the company is no longer profitable.


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The Gordon equation does not use inflation-adjusted numbers. It uses nominal returns/dividends and growth rates. It really says nothing anyone would not already know.  Everyone knows that your total return equals the sum of the income return plus capital gains.   Gordon simply assumes (perfectly validly) that capital gains will be driven by the growth of earnings, and that the dividends paid will likewise increase at the same rate. So he used the 'dividend growth rate' as a proxy for the 'earnings growth rate' or 'capital gains rate'. You cannot use inflation-removed estimates of equity rates of return because those returns do not change with inflation.  If anything they move in opposite directions.  Eg in the 1970's inflation the high market rates caused people to discount equity values at larger rates --- driving their values down -- creating losses.


"I live where Uber, Sidecar and Lyft are available and have almost regularly used all three services.  Out of all of my experiences, Lyft has been the worse. The drivers I've had are quite creepy. They don't seem to have any regulations of how the drivers should act. I've had a driver start smoking in the car with me. Also, they do not have upfront pricing. They do not give an estimate so it's a surprise when you get the bill. They are also a dollar or two more expensive per mile than Sidecar or Uber.  Sidecar is great for when you need longer rides. Their rates are generally cheaper for long trips. The drivers have rules they need to follow. As a driver for them, it kind of sucks. They are based off of a ""donation"" that you pay for your ride. So you could have a $20 bill. but only pay $3. And then Sidecar takes 20% of that and then to transfer that to your account is either $0.50 or $1. Unless you drive full time, it doesn't make much sense to drive.  And Uber. Oh how I love them! I had one bad experience riding with them and they called me the next day and gave me a refund and some extra ride credit. They are consistently cheaper than Sidecar or Lyft and much more professional. It's like getting a private town car without breaking the bank. Most of the drivers are former taxi drivers, but they go through training with Uber on how to be courteous and knowledgeable about the city. I cannot rave enough about them! :D  It's shady of Uber to mess with their ""competitors"" but that doesn't change my opinion about them. I highly doubt that Uber is telling the drivers to do this."


"Still waiting, still not seeing any that have..  When you debate someone, in a forum or somewhere other than your armchair, I suggest you forget about trying to demand a opposite answer from someone as an answer to a question. Its not only childish, its really quite silly. You are, by all definitions, a troglodyte. If you think of those ignorant ""republican christians"", thats how you are acting now. No country in the past has ever sold and bought there own debt at the same time I can promise you  I worked in finance, for a large highly rated company, then got rich building a business. I know this hurts, but honestly, when you are wrong, just admit it and move on. Ignorance is just so sad to display and probably keeps you held back in life anyways.  Im off to bed though I am sure you'll declare yourself victor of not naming a single country that bought and sold its own debt in history. But, maybe its ANY victory in your head you need right now. Who knows.  ------------------------------------------- Update 1 * lol I see you changed your answer, let me do the same. The fact that the ""bank of england"" in 1694 is the model of ""modern"" central banks STILL doesn't show that they BOUGHT THERE OWN DEBT. Do you still not understand this yet? Modern central banking has NOTHING TO DO with buying your own debt. You really are clueless as to how ""economics"" works aren't you?   ------------------------------------------- Update 2 * I think you keep changing them, because for some reason you just won't admit you have no understanding of modern/classical banking. Once again:  >In order to induce subscription to the loan, the subscribers were to be incorporated by the name of the Governor and Company of the Bank of England. The bank was given exclusive possession of the government's balances, and was the only limited-liability corporation allowed to issue bank-notes.[12] The lenders would give the government cash (bullion) and also issue notes against the government bonds, which can be lent again. The £1.2m was raised in 12 days; half of this was used to rebuild the Navy.  This statement still DOES NOT show that the government here simultaniously purchased its own bonds it issued. It issued debt, yes, no one is debating this. The bank, for all purposes, acted as the Treasury for England.  But honestly, you are a fucking piece of work. I have watched you lie, change your answers, and pretty much do every childish thing in the book to try to win an arguement on Reddit. You are a little person, honestly. I know not of what world you live in, but it isn't this one. Seriously, get better, the world is alot more fun when you don't suck so bad at it."


You can't rollover a 401k directly into a Roth IRA.  What you can do is rollover a 401k into a traditional IRA, and then convert some or all of the money to a Roth IRA.  This is independent of any contributions made to a traditional or Roth IRA.


You could go further and do a carry trade by borrowing EUR at 2% and depositing INR at 10%. All the notes above apply, and see the link there.


You can find out the general types of investments by reading the public corporation 10-Q report that is filed with the SEC it can be accessed via the EDGAR system. It will not tell you what securities they have, but it does identify the short term and long term investments categories and their value.


https://www.cancer.gov/about-cancer/causes-prevention/risk/tobacco  No. I'm just someone who doesn't subscribe to the fear mongering against Monsanto and conventional farming techniques in general. If people decide to avoid traditional practices, all th power to them. If, however, they start to spread misinformation or fearmonger I have a problem with that.


Cash price is $22,500. Financed, it's the same thing (0% interest) but you pay a $1500 fee. 1500/22500 = 6.6%. Basically the APR for your loan is 1.1% per year but you are paying it all upfront. Opportunity cost: If you take the $22,500 you plan to pay for the car and invested it, could you earn more than the $1500 interest on the car loan? According to google, as of today you can get 1 year CD @ 1.25% so yes. It's likely that interest rates will be going up in medium term so you can potentially earn even more.  Insurance cost: If you finance you'll have to get comprehensive insurance which could be costly. However, if you are planning to get it anyway (it's a brand new car after all), that's a wash. Which brings me to my main point: Why do you have $90k in a savings account? Even if you are planning to buy a house you should have that money invested in liquid assets earning you interest.  Conclusion: Take the cheap money while it's available. You never know when interest rates will go up again.


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>According to the IRS, penalties and fines are only non-deductible when they are paid for actual violations of laws/regulations.  That's not quite correct. Section 162(f) says [bolding is mine]:   >No deduction shall be allowed under subsection (a) for any fine or similar penalty **paid to a government** for the violation of any law.  That means they can only claim a deduction on the portion of the fine that isn't paid to the US government.   I'm doing a little research to see if I can find out what the dealy-o is.


Ahaha you're so butthurt it kills me. I'm not sure wtf insight you think I should be giving on CIMs or pitch books cuz they're pretty fkn self explanatory. As for modelling, infra modelling (which is most of my modelling experience) is super technical and the models are really extensive so it's not really applicable to most other industry groups. You don't have to believe me about who I am or what I do but I really gain nothing from lying about it lmao


"You seem to have all your financial bases covered, and others have given you good financial advice, so I will try to give you some non-financial ideas. The first and most important thing is that you are investing with a long time friend, so the dynamics are a lot different that if you had recently met a stranger with an ""interesting"" new idea. The first thing you need to ask yourself is if your friendship will survive if this thing doesn't go well? You've already said you can afford to lose the money so that's not a worry, but will there be any ""recriminations?"" The flip side is also true; if the venture succeeds, you should be able to go further with it because he's your friend. You know your friend better (back to grade school) than almost anyone else, so here are some things to ask yourself: What does your friend have that will give him a chance to succeed; tech savvy, a winning personality, a huge rolodex, general business savvy, something else? If your guardian angel had told you that one of your friends was planning to embark on an internet/advertising venture, is this the one you would have guessed? Conversely, knowing that your friend was planning to do a start up, is this the kind of venture you would have guessed? How does ""internet"" and ""advertising"" fit in with what you are doing? If this venture succeeds, could it be used to help your professional development and career, maybe as a supplier or customer? Can you see yourself leaving your current job and joining your friend's (now established) company as a vice president or acting as a member of its board of directors, the latter perhaps while pursuing your current career path?  Are your other mutual friends investing? Are some of them more tech savvy than you and better able to judge the company's prospects of success? To a certain extent, there is ""safety in numbers"" and even if there isn't, ""misery loves company."" On the upside, would you feel left out if everyone in your crowd caught ""the next Microsoft"" except you?"


"Dimon's analysis and conclusions regarding his own lack of leadership and flawed oversight, leaves me frustrated and thinking... ""No Shit Sherlock!""     For five years we keep hearing over-and-over from an endless procession of Wall Street Elite how nobody understood the smoke-and-mirror shenanigans and that none of them believed that they were involved in any wrongdoing. Each time that this lame conclusion of blaming ""unexpected consequences and complexity"" is offered, are we really meant to accept it? Does anyone accept it? Stating that ""I now know that deceitful business practices and blatant gambling had grave consequences"" is hardly a revelation.   Seriously, Dimon had to be the archetype for the **[Captain Hindsight](http://vimeo.com/16315458)** character."


According to this site:   If you think the plan trustees or others responsible for investing your pension money have been violating the rules, you should call or write the nearest field office of the U.S. Department of Labor's Employee Benefits Security Administration (EBSA (formerly PWBA)). Looking at EBSA's FAQ for abandoned plans finds:   EBSA has developed an Abandoned Plan searchable database to help participants and beneficiaries find out if a particular plan is in the process of being, or has been, terminated. The site is searchable by plan name or employer name and will provide the name and contact information for the QTA, if one exists.  If you do not have access to a computer to conduct the search, you may contact one of EBSA’s Benefits Advisors to assist you by calling toll-free, 1.866.444.EBSA (3272). So I would try searching the database for your plan.  If that doesn't help, you can call EBSA and ask for more specific assistance.  Or use the contact us page to find an alternative contact method.


... its not really a surprise that people in a major US city (populated mainly by Democrats) aren't too keen on Trump.   I guess I'm impressed the WaPo actually sent a reporter somewhere that's not on a coast.   Sort of.


"This is reddit quality material. Don't use reddit to do your homework. The CMO is a type of MBS. The simplest type of MBS is a simple mortgage pass-through. So no, CMO's and MBS's aren't ""basically the same thing"". Don't use reddit for shit like this these Occupy Wall Street fuckers don't know what the fuck they're talking about. All they know is that they're poor and that's about it."


"Except here's the problem.   Sunglasses for example are something you'd be a fool to buy online without trying them on first.   So you go to a store, try on a pair of ray-bans that cost $260, and you get them online for $120.  The problem is that when all the stores disappear, we no longer have that option.    Honestly I did this at Sunglass Hut...   I bought them on an impulse, found the model online, and returned them and said: ""I wouldn't care if it was $40 difference - being able to try them on is worth it.   But you're selling them for double what I can get them for online, so I'm going to return these.   I feel like an ass, but you guys don't price match.""  The 19 year old girl probably didn't care too much on my rant, but maybe one day it'll get to the company's management."


I think there are three important considerations:


"Exactly, it's like Ayn Rand arguing against handouts then living off welfare in her old age. Or rich people arguing against tax loopholes while taking advantage of them while they exist. Just because you use something doesn't mean you agree with it, you have every right to say ""this is bullshit, but I'm going to do it because it's fair that I do."""


I don't think you understand what I'm saying. The right to free speech has nothing to do with private companies. I agree with the concept of free speech as it is defined in the Constitution, I don't agree that private companies should be forced to provide a platform for it or to facilitate it in any way.


First and foremost, I would warn about having to shell out your own money for start-up, inventory, or other sunk costs.  If I have to significant amounts of goods and stockpile them, that would be a warning.  Some goods-based MLM have significant start-up costs.  Along with this - how realistic are your time expectations.  Is this to be a part-time occasional endeavor - or your full-time occupation?  Do you know enough people that you believe you can recruit, as it is the pyramid that makes you the money, not the goods themselves. Secondly, market research.  Companies that I would consider real franchise-like companies generally either have, or demand you do, significant market research in an area before you start.  They don't want the good name of their company tarnished by having a venue close down.  MLM generally don't care as much (generalization).  Similarly, are there others in the same neighborhood/town already in the scheme?  If so, and depending on the size of your community, many of your potential target recruits may already either be in the scheme, or already scared/annoyed. Third, and last for my list are any kind of pressure tactics.  Again - franchisee companies and their ilk generally want a long-term relationship with the right people - not just more and more people as part of the pyramid.  MLM and the like tend to want expand at all costs.


See http://blogs.reuters.com/felix-salmon/2011/04/30/why-the-sec-should-look-at-levered-etfs/?dlvrit=60132, http://symmetricinfo.org/2011/04/are-investors-in-levered-short-treasury-etfs-a-disaster-waiting-to-happen-pt1/, and the articles linked from it: The issue with holding a levered ETF past 1 day is that investors expose themselves to path dependency in the underlying.... The reason for the difference in payouts comes from the fact that the manager of the levered ETF promises you a multiple of the daily returns of the underlying. To be able to promise you these daily returns, the ETF manager has to buy/sell some of the underlying every day to position himself to have a constant leverage ratio the next day. The short video below explains this process in detail for a 2x long ETF, but the same result holds for a 2x short ETF: the manager has to buy more of the underlying on a day when the underlying increases in value and sell more of the underlying when the underlying goes down in value .


While historical performance is not necessarily indicative of future performance, I like to look at the historical performance of the markets for context. Vanguard's portfolio allocation models is one source for this data. Twenty years is a long term timeline. If you're well diversified in passively managed index funds, you should be positioned well for the future.  You've lost nothing until it's realized or you sell. Meanwhile, you still own an asset that has value. As Warren Buffet says, buy low and sell high.


> 1% is by definition not common.  I'd say the opposite. By definition, 1 in 100% are in that 1% group, which means a random person has a decent chance of knowing some of them. It's common like having red hair is.


"I found the study ""The irrationality of payment behaviour"" accidentally while searching on the term ""DNB Study"" instead of ""D&B Study"".  This study, which, when I followed the link, went to the web site dnb.nl (Dutch National Bank), instead of dnb.com (Dun & Bradstreet).  It mentions all the salient points that I hear Dave Ramsey and others mention when they talk about studies on this subject of credit vs cash.  Also, it cross references to many other studies by various researchers, banks, and universities.  Is this the ""missing mythical DNB study?""  I'll let you decide.  Relevant ""coincidental"" points from the study: To be fair and complete, I should mention that clearly the relevant parts of this DNB study are talking about discretionary spending.  Auto-paying your mortgage with a card is clearly not going to cost you more (unless you somehow forget to pay off the card or some other silliness)."


When you ask people to differentiate between a condominium and an apartment, they usually base their answers on the structure itself. A condominium is, more often than not, a high-rise building filled with dozens of living spaces while an apartment is usually two to three stories high with only a handful of units.


I work with plenty of older guys who have never seen Office Space.  They express the same sentiments as others of us who have.  Generally it keeps getting worse too as roles move from technical to tracking.  The last thing we need is more bosses that just track shit.


Eh... do you not like sausages, beef pepperoni or bologna? It isn't like we didn't eat this shit before, we have for thousands of years, just most of the recipes that utilize it our not to our modern tastes so the turn it into more palatable products. You might not have ate straight up cow tongue, cow heart, cow asshole, ect straight up but you have ate it many many times without complaint if you ever eat sausage.


Oh you're right, there are still ways to travel lighter with kids....it's all relative...  But having ACTUALLY traveled light when I was younger I know what it means.  Now even after slimming down the suitcases, I still felt like I was bringing half the house to the tropics for 2 weeks.


No matter how a company releases relevant information about their business, SOMEBODY will be the first to see it. I mean, of all the people looking, someone has to be the first. I presume that professional stock brokers have their eyes on these things closely and know exactly who publishes where and when to expect new information. In real life, many brokers are going to be seeing this information within seconds of each other. I suppose if one sees it half a second before everybody else, knows what he's looking for and has already decided what he's going to do based on this information, he might get a buy or sell order in before anybody else. Odds are that if you're not a professional broker, you don't know when to expect new information to be posted, and you probably have a job or a family or like to eat and sleep now and then, so you can't be watching somebody's web site constantly, so you'll be lagging hours or days behind the full-time professionals.


"This is the best tl;dr I could make, [original](http://www.npr.org/2017/10/11/556973877/fed-s-departing-vice-chair-on-stocks-the-federal-debt-and-transparency) reduced by 86%. (I'm a bot) ***** > Fed&#039;s Departing Vice Chair Stanley Fischer On Stocks, U.S. Debt And Transparency Stanley Fischer says that despite record highs in the stock market - boosted by the Fed&#039;s low interest rates - he doesn&#039;t see a bubble.  > In an interview with NPR&#039;s Robert Siegel, Fischer says that despite record highs in the stock market - boosted by the Fed&#039;s low interest rates - he doesn&#039;t see a bubble.  > Fischer also says that the $20 trillion national debt is not worrisome currently, but if interest rates go up that could cause &quot;Significant problems&quot; for the federal budget.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/76587t/feds_departing_vice_chair_on_stocks_the_federal/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~227548 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **rates**^#1 **Fed**^#2 **interest**^#3 **very**^#4 **low**^#5"


"i realize the required rate will need to be below the expected growth rate. not really the issue.   i'm also not looking for insight into how i model these two possible options, i'm really just interested in how people would think about producing a discount rate for the projects.  ""but you determine the required return(discount rate) based on the perceived risk of the investment and your particular views""   this was the ultimate question i was getting at. what would YOU use?"


So here's our [answer](http://www.taxalmanac.org/index.php/Treasury_Regulations,_Subchapter_A,_Sec._1.162-21).  What it looks like, is basically that the **fines** are not deductible, but the **damages** are.   At any rate, I don't think it's questionable at all. It reduces the overall amount of the amount they have to pay, but it's certainly not like they come out ahead on the deal. Further, I presume it's been argued before a court that since the income was illegally obtained (through some sort of illegal function of the business) then the business paid taxes on income it shouldn't have made in the first place.


In the Anti-Money Laundering World ( AML) , structuring consists of the division ( breaking up) of cash transactions, deposits and withdrawals, with the intent to avoid the Currency Transaction Reporting ( CTR) filings.  In your case the issue is not structuring but the fact that you have another person ( unknown to the bank) depositing cash , event if it is above the CTR threshold, for you to withdraw later .  The entire scenario raises a lot of questions.


Will they retire the name or just move collection to some poor town's spring and dry it up and create havoc in the process? I personally LIKE the fact that Aquafina is just Detroit river water. No real environmental damage, the river is large enough to supply it, no harm no foul. (I don't drink bottled water because it is akin to starting a tire fire in my mind).


Yes, I think this is the general idea. We're going through a deleveraging. On the one hand, this isn't entirely a bad thing because the financial crisis showed some people were lending irresponsibly. A lot of bad loans were made and bad loans that don't get repaid cause a lot of havoc.  One the down side, like the original poster said this makes it seem like money is drying up. This has been a bigger problem in some places than other. A lot would argue, myself included, that the US has deleveraged relatively--and key word is relatively--smoothly. Other places, like Europe have not been so lucky.


I wouldn't say were in a Dotcom Bubble 2. For example, Groupon doesn't have a moat, there are already 1 million copycats, and its stock did not skyrocket, it is tanking. Facebook has hundreds of millions of devoted users. However, I believe I saw some stats regarding daily and weekly usage. They did look good for Facebook. Anyway, if you want steady long-term growth you will put your money into Coca-Cola or McDonald's until China, India, Russia, and Brazil are saturated. Still a lot of growth potential there. But don't listen to me, I liquidated everything one day before this past week's run-up.


"Are you out of your mind?   Offer the Teacher Unions to pay more to teachers?   This will turn in two seconds from ""we want to offer 10% more"" to ""we demand 30% more... and next year another 30%"".  Unions are the main reason teachers get paid little and treated badly.  P/S: I would not mind to agree with the Union to pay 30% more IF they allow to fire teachers for misconduct. Zero chances they will agree to that."


Keep in mind there are some examples of combination medications that have improved outcomes. I'm thinking specifically of HIV meds, HEP C medications, and other combo meds for infectious disease.  Truvada for example. It's one pill. Emtricitibine and tenofovir. Taken alone emtricitibine and tenofovir have complex and tedious pill regimens (like most other HIV meds regimens) but for patients to be able to take one pill, once a day has made their compliance with the med regimen much better. Lower viral load, higher cd4 counts, and improved management of their HIV.   I'm not saying the absurd price hikes of these other meds are warranted. They're not. But when dealing with public health issues, and infectious disease in a population that has a difficult time being compliant with their meds, combo meds are worth the cost.


As deep as the next guy's i suppose. Just to be clear, i want to take most of the money away from the elite and use it to fund education, healthcare, and opportunities. End the drug war. Ya know, things that make logical sense.


The bank will consider total of both parties income for the loan qualification. Provided both parties will be listed on the mortgage.


I'm not a big fan of Lyft after noticing that they put a $15 hold on my card for each ride, sometimes for multiple days. I get that they need to guarantee their fare, but my rides are almost always <$10, so the hold is... irritating.


"No, I didn't read the article (I never claimed to have), and no, I don't know the person's credentials (I never claimed I did). This thread seems to be directed towards hiring a music major as a security specialist, which is an irrelevant point to argue.  The point to argue is whether they are qualified, which has nothing to do with a degree if they've worked for more than a year. That was the entire point of my comment.  Tl;dr Her degree is irrelevant and everyone is attacking the scapegoat.  EDIT: I also realized I referred to her as ""he"", which was a typo."


"Other things equal is sometimes referred to as ""ceteris paribus"" - the scenario where you compare two currencies (or things) under the assumption that all other factors that could effect those currencies (earthquakes, revolutions, currency crises ect) are not ocurring. Its like using a control group in a lab. ""Real interest rates"" means the rate of that countries interest rate, accounting for inflation. ""Proportional to the strength of its home currency"" is referring to how countries with higher rates of interest tend to have stronger currencies (relative to other currencies) because foreign investment/capital will flood into the country seeking those higher rates of return - excess demand for the currency will cause it to appreciate. So this is also true in reverse, as capital will tend to leave a country will ultra-low interest rates."


Other than the two answers (both of which recommend waiting until marriage to actually combine finances, and which I agree with), there's the general question:  how does a couple choose to manage finances? In our marriage, it's me.  I'm more numbers-minded than my spousal-unit.  I'm also more a sticker for time.  I work and spousal-unit does not. We had some good friends -- upon marriage, spouse1 felt like he should take on the role.  He went on a several-week trip (leaving spouse2 at home), and upon returning home asked spouse2 about the late fees.  Spouse2 was appalled.  Spouse2 ended up keeping the job of managing household finances. There's enough pieces to the puzzle that it can be divided any way you choose -- any way that works for you and your spouse/virtual-spouse. One other point:  talk about how to manage your money, before you marry.  Dave Ramsey recommends a strict monthly budget.  I like listening to Dave Ramsey, but we've never had a budget.  Instead, we agreed during marriage counseling two things:


>You were an unsecured creditor.  Yes, but his situation was more complicated than your run of the mill unsecured creditor.   He had a trading account. It may very well have been technically *structured*, for accounting purposes, as unsecured credit - but the reasonable assumption for the average person is that trading/deposit accounts are held in trust rather than as individual investments/grants which the company can use how it pleases with just the promise to pay you back later.   Now, granted, somebody with a Refco forex account should be sophisticated enough to understand the difference - but that doesn't change the fact that even such investors might normally just assume that their accounts are being sequestered. It would make the most sense.   It sounds to me like Refco's accountants, and everybody involved in the process, were thieving scumbags.


Sameer Thakar Anyone knows Sameer Thakar knows that he loves to engage his body as well as his mind. He is an active runner and tries to get out on the pavement as often as possible and get moving. He understands that exercise is the best way to relieve stress, improve mind, and keep in shape. In addition to that Sameer Thakar participates in a number of athletic activities, including cricket, tennis, and racquet ball. He is also an avid chess player, which is a great way to exercise the mind.


"Preferred dividends and common dividends are completely separate transactions.  There's not a single ""dividend"" payment that is split between preferred and common shares. Dividends on preferred shares are generally MUCH higher than common dividends, and are generally required by the terms of the preferred shares, again unlike common dividends, which are discretionary."


Not entirely true.  If the humidity is 100% but the temperature is lower than your body temperature, sweat will still evaporate since there will be enough energy to excite water molecules into a gas.  The excess will condense somewhere just likely not on you since you are warmer than the air.


>Then we will have to agree to disagree.  The important thing is that we didn't give any solid advice to the original question :)  >The social discount rate isn't about borrowing it is about funding projects that would return a higher rate. To simply say the discount rate is the same as the borrowing rate (which is dirt cheap right now) isn't wise because different projects offer better social value. Think of it as your opportunity cost.  I agree with you that there may be better projects. But I am implying that as long as those other projects' IRR are above the borrowing rate, they also should be undertook. Basically keep on borrowing and going down the pecking order until the borrowing rate meets the IRR of projects not started. What every that equilibrium is should be the discount rate.  And while someone may say that borrowing takes away from private investment (and they are right), it is in the best interest of the country to ignore that. The market for government securities is global; the state could be taking more from foreign private investment than domestic.  However, this does ignore the manipulation on the rate that goes on from forced lending from citizens. Social Security by law has no choice but to invest in government securities. I don't know, I think I'm just rambling now.


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There is no rule that says the dealer has to honor that deal, nor is there any that says he/she won't.  However, if you are thinking of financing through though the dealership they are likely to honor the deal. They PREFER you finance it. If you finance it through the dealer the salesman just got TWO sales (a car and a loan) and probably gets a commission on both. If you finance it through a third party it makes no difference to the dealer, it is still a cash deal to them because even though you pay off the car loan over years, the bank pays them immediately in full.


"You can find lots of answers to this question by googling.  I found at least five pages about this in 30 seconds. Most of these pages seem to say that if you must convert cash, converting it in the destination country is probably better, because you are essentially buying a product (in this case, dollars), and it will cheaper where the supply is greater.  There are more dollars in the USA than there are in Portugal, so you may be able to get them cheaper there.  (Some of those pages mention caveats if you're trying to exchange some little-known currency, which people might not accept, but this isn't an issue if you're converting euros.) Some of those pages specifically recommend against airport currency exchanges; since they have a ""captive audience"" of people who want to convert money right away, they face less competition and may offer worse rates.  Of course, the downside of doing the exchange in the USA is that you'll be less familiar with where to do it.  I did find some people saying that, for this reason, it's better to do it in your own country where you can shop around at leisure to find the best rate.  That said, if you take your time shopping around, shifts in the underlying exchange rate in the interim could erase any savings you find. It's worth noting, though, that the main message from all these pages is the same: don't exchange cash at all if you can possibly avoid it.  Use a credit card or ATM card to do the exchange.  The exchange rate is usually better, and you also avoid the risks associated with carrying cash."


"Perhaps mysterious in the sense that any dubious story involving a powerful and influential firm will not have their name actually mentioned?  I've often found when American media runs a story like this, with no details, I can go look at London's Financial Times and they will name-names.  For example CNBC or CNN might run a story ""top wall street firms fined"" and not name the actual firms.  You have to look at non-American media to get actual names."


Idk if equating fiscal policy to direct changes in debt is the greatest idea. Yes if you buy one more F-35 your debt will increase by $160 million. However it's more complicated when discussing decreased debt, as for the direct cause.