I think there are actually two separate questions here. Will Provider A allow me to transfer only part of an ISA product to Provider B while keeping the other part in Provider A. Only Provider A can answer this. Will HMRC rules allow me to keep making payments to the part that remained in Provider A. I don't have a definitive source for this, but in my experience where the ISA rules have been unclear about particular edge cases and I have asked HMRC similar questions directly, their answer has always been that they will look at the situation in the round at the end of the tax year (they get summaries from the providers) and as long as you haven't attempted to double-benefit or otherwise get around the limits, they won't have an issue with it.


Charles ponzi invented the Ponzi scheme (also known as the pyramid scheme) in the 1910 area before ww1 I believe. He got a bunch of people to invest in postage stamps and get other people to invest as they promised a huge return. Charles kept the money for himself and when people started wanting their money back it all came tumbling down. There is a movie on Netflix about how Charles got caught and the man who caught him.  This is different than the Direct Selling industry (also known as multi level or network marketing) which is a legal multi billion dollar industry with brands like Mary Kay and Amway. There are three parameters that make a company an illegal pyramid: 1) only money is distributed. There are no products or services being rendered. 2) you can never make more money than the person who sponsored you into business. 3) you get money from the registration part of signing people up.  Personally I am part of the fastest growing and most successful organization that utilizes this model. It is an organization called World Wide Dreambuilders, a mentorship and training organization that teaches people how to make a profitable business that distributes Amway products in a legal way with high integrity.   Honestly 80% of the industry is people trying to hype up and sign up their friends and family and it's pretty lame. I can only speak for the Seattle area but my sponsor is making over $150k a year and has a strong organization with over 100 people in it. He built this business part time and is about to walk away from his day job in September and its freaking rad. Hope all this answers your question.


"The purpose of taking a ""secured loan"" is to build credit. This might be done by someone who had a bad stain on their credit history such as a bankruptcy or foreclosure, or possibly by someone just out of school (presumably with few or no student loans),and no credit history. Not everyone needs to, or should do this, however. The advantage for a borrower is that s/he gets to create a record of repaying a loan that will partly mitigate the bad credit history. The advantage for the bank is that it is ""no risk,"" because the savings account is the security for the loan. That would make it willing to ""lend"" to a bad credit risk."


You are, somewhat hysterically, a creditor. Babies R Us owes you. As such, you have *some* sort of claim.   Now, Toys R Us is undergoing Chapter 11 bankruptcy, which means the company *isn't* going away into the dust from whence it came. At least not yet.   You should be able to either utilize the credit still at stores.   Converting to cash may depend on how you hold the credit. Is it on account with the store, or is it through gift cards or something?  You can certainly sell the gift cards. You may sell at face value or, possibly, at a discount. If you don't have gift cards, you can use the credit to purchase merchandise and then sell that to others. That will translate into inventory risk.


"Has the article changed in the past 9 hours since you posted? The link at the bottom is in the VERY FIRST SENTENCE.  I know stealing goes on, but is there any reason to think that the ""author"" on medium is not the original author at reddit?"


The site still has to hit the ad server to find out which image to use. The ad server could then do everything it already does, but instead of returning the image, it returns a string that matches the filename of the image to be used. The site then pulls that image from its server.


Look at literally any discussion about guns that isn't a pro gun echochamber. I don't just save articles and threads to use it later, and I don't have time to go on some huge research project with Reddit's godawful search function.


You need to register as self-employed with HMRC (it is perfectly fine to be self-employed and employed by an employer at the same time, in exactly your kind of situation). Then, when the income arrives you will need to declare it on your yearly tax return.  HMRC information about registering for self-employment and declaring the income is here: https://www.gov.uk/working-for-yourself/overview There's a few extra hoops if your clients are outside the UK; the detail depends on whether they are in the EU or not. More details about this are here: https://www.gov.uk/online-and-distance-selling-for-businesses/selling-overseas .


"Let me provide a general answer, that might be helpful to others, without addressing those specific stocks. Dividends are simply corporate payouts made to the shareholders of the company.  A company often decides to pay dividends because they have excess cash on hand and choose to return it to shareholders by quarterly payouts instead of stock buy backs or using the money to invest in new projects. I'm not exactly sure what you mean by ""dividend yield traps.""  If a company has declared an dividend for the upcoming quarter they will almost always pay.  There are exceptions, like what happened with BP, but these exceptions are rare.  Just because a company promises to pay a dividend in the approaching quarter does not mean that it will continue to pay a dividend in the future.  If the company continues to pay a dividend in the future, it may be at a (significantly) different amount. Some companies are structured where nearly all of there corporate profits flow through to shareholders via dividends.  These companies may have ""unusually"" high dividends, but this is simply a result of the corporate structure.    Let me provide a quick example: Certain ETFs that track bonds pay a dividend as a way to pass through interest payments from the underlying bonds back to the shareholder of the ETF. There is no company that will continue to pay their dividend at the present rate with 100% certainty.  Even large companies like General Electric slashed its dividend during the most recent financial crisis.  So, to evaluate whether a company will keep paying a dividend you should look at the following: Update: In regards to one the first stock you mentioned, this sentence from the companies of Yahoo! finance explains the ""unusually"" dividend: The company has elected to be treated as a REIT for federal income tax purposes and would not be subject to income tax, if it distributes at least 90% of its REIT taxable income to its share holders."


Pilates are a great way to achieve the fitness that you wish to achieve. If you want to start in south melbourne with pilates give us a call. At Melbourne Altitude Training, we help you in doing clinical pilates and have all the modern equipment for that.our training sessions will help you get the results.


I can't believe no one has mentioned Detroit yet!   Amazon already pulls a huge percentage of their MBA hires from 40 miles away at the University of Michigan. The state is filled with good schools pumping out smart, qualified STEM, engineering, and computer science majors. We're also surrounded by great schools in Chicago and Pennsylvania.   Detroit has an exploding urban core but also lots of space for new development right downtown. It has a quickly diversifying economy, though the auto industry is still a significant player which is assisting with Detroit's thriving tech sector and driving autonomous vehicle research and development.  Detroit is 20 minutes away from Canada (across a bridge or through a tunnel - and a second bridge is in the process of being built). Depending on how the US emigration policy continues, having access to an international workforce via Canada at a US HQ could be a game changer.  There is a lot that Detroit can offer that is unique to this city.


In my experience they charge you coming and going. For example, if a brokerage firm is advertising that their commissions are only $7/trade, then that means you pay money to buy the stock, plus $7 to them, and later on if you want to sell that stock you must pay $7 to get out of the deal.  So, if you want to make any money on a stock (say, priced at $10) you would have to sell it at a price above $10+$7+$7=$24. That kind of sale could take a few years to turn a profit. However, with flat-rate fees like that it is advantageous to buy in bulk.


"You have what is called in the biz a ""thin file"".  Check with a Credit Union.  They will get you a secured card or maybe a straight credit card.  They usually will graduate you from a secured card to a real credit card in 12-18 months. Then you are on your way.   You should also sign up for Creditkarma to get your credit report updated every week.  They make their money on referring people to credit card companies so you might be able to kill two birds with one stone."


"Your best bet might be to visit a local IRS office in person. To find your local office, use the IRS office locator page.  After you enter your zip code and find your nearest office, click on the ""hours and services"" link, which will show you a list of every office in your state.  For each office, you can click on the ""services provided"" link to make sure that they handle ""payment arrangements"" at your selected office.  Finally, you should probably call the local office first to see if you need an appointment, so you don't have to wait."


Check out the /r/personalfinance wiki: https://www.reddit.com/r/personalfinance/wiki/commontopics  While it's not a life-changing amount, this page on windfalls might also be useful: https://www.reddit.com/r/personalfinance/wiki/windfall  Vanguard is often recommended as having low-fee index funds. You should make sure you understand the different investment vehicles though - taxable accounts vs IRA vs 401k, etc.


What I did when I interned was ask for more work. After a while, my supervisor got used to pouring shit on me to work on. They learn to trust you, and give you more important stuff to work on. In the end, I was handling bank statements and such (although they would always check that I was doing everything exactly right).


"Disclaimer: I am neither a lawyer nor a tax-expert This page on the HMRC site lists several pages that appear to be relevant, starting with CG78401 - Foreign currency: delayed remittances and on to CG78408 - Foreign currency: example which seems pertinent to your case [paraphrased]: A property bought in 1983 is sold for a [taxable] gain in one tax-year (1986/87) but the proceeds cannot be released/remitted to the UK until later (1991/92), by which time currency fluctuations have created a second [taxable] gain. The size of the first gain (selling the property) is determined by the exchange rate in effect at the time of the sale but because of local restrictions, this can be deferred.  The size of the second gain (currency movement) is determined by the change in exchange-rate between the time of the sale and the time of conversion. In your case, the first ""gain"" was actually a loss, so I believe you should be able to use this to offset any tax due second gain.  This page states that losses can be claimed up to four years after the end of the tax-year in which they were incurred, so you are probably still OK. (The example makes application under TCGA92/S279 to defer the gain made on the original sale [because of the inability to transfer funds], but as I understand it, this is primarily to avoid a tax liability in that year.  Since you made a loss on the sale, there wouldn't have been a tax liability, so there would be no need to defer it)."


The ROI percentage becomes a meaningless figure at that point and would either be infinite or a very large number if you assume an equity investment of $1 or $0.01.   At that point it's obviously a lucrative deal *as long as it works out* so the bigger question is what are the risks of it not working out and what's the ROIC.


1) How long have you had the car?  Generally, accounts that last more than a year are kept on your credit report for 7 years, while accounts that last less than a year are only kept about 2 years (IIRC - could someone correct me if that last number is wrong?). 2) Who is the financing through?  If it's through a used car dealer, there's a good chance they're not even reporting it to the credit bureaus (I had this happen to me; the dealer promised he'd report the loan so it would help my credit, I made my payments on time every time, and... nothing ever showed up.  It pissed me off, because another positive account on my credit report would have really helped my score).  Banks and brand name dealers are more likely to report the loan. 3) What are your expected long term gains on the stocks you're considering selling, and will you have to pay capital gains on them when you do sell them?  The cost of selling those stocks could possibly be higher than the gain from paying off the car, so you'll want to run the numbers for a couple different scenarios (optimistic growth, pessimistic, etc) and see if you come out ahead or not. 4) Are there prepayment penalties or costs associated with paying off the car loan early?  Most reputable financiers won't include such terms (or they'll only be in effect during the first few months of the loan), but again it depends on who the loan is through. In short: it depends.  I know people hate hearing answers like that, but it's true :)  Hopefully though, you'll be able to sit down and look at the specifics of your situation and make an informed decision.


The big problem I see with this article is it does not state what the profits would be minus the licensing fees. It only states revenue, which is obviously a bad indicator of taxes owed.   Also, licensing fees are applicable in some markets. For example in markets like China that mandate a company do business under a subsidiary, licensing is a legitimate expense, considering the subsidiary might not be wholly owned by the parent company (per the country's laws).   That said, this is the UK we're talking about, so it is clearly not in that situation. I was just pointing out in some markets it is a legitimate expense. Maybe the UK could make licensing fees a non-deductible expense after a certain percentage of subsidiary income. Its a complex problem, I would be interested to see if any other jurisdictions have tackled it.


Reading financial statements is important, in the sense that it gives you a picture of whether revenues and profits are growing or shrinking, and what management thinks the future will look like. The challenge is, there are firms that make computers read filings for them and inform their trading strategy. If the computer thinks the stock price is below the growth model, it's likely to bid the stock up. And since it's automated it's moving it faster than you can open your web browser. Does this mean you shouldn't read them? In a sense, no. The only sensible trading strategy is to assume you hold things for as long as their fundamentals exceed market value. Financial statements are where you find those fundamentals. So you should read them. But your question is, is it worth it for investors? My answer is no; the market generally factors information in quickly and efficiently. You're better off sticking to passive mutual funds than trying to trade. The better reason to learn to read these filings is to get a better sense of your employer, potential employers, competitors and even suppliers. Knowing what your margins are, what your suppliers margins and acquisitions are, and what they're planning can inform your own decision making.


Given that money can go into the 401(k) pre-tax, and that once the   loan is paid off, the principal is restored, I'm having a hard time   seeing the downside of this approach. Am I missing something or does   it actually make sense in my situation? You're missing several things. Here's a list of what I could think of: You should make sure that none of these issues is a problem for you.


"The Dividend Discount Model is based on the concept that the present value of a stock is the sum of all future dividends, discounted back to the present. Since you said: dividends are expected to grow at a constant rate in perpetuity ... the Gordon Growth Model is a simple variant of the DDM, tailored for a firm in ""steady state"" mode, with dividends growing at a rate that can be sustained forever. Consider McCormick (MKC), who's last dividend was 31 cents, or $1.24 annualized. The dividend has been growing just a little over 7% annually. Let's use a discount, or hurdle rate of 10%. MKC closed today at $50.32, for what it's worth. The model is extremely sensitive to inputs. As g approaches r, the stock price rises to infinity. If g > r, stock goes negative. Be conservative with 'g' -- it must be sustainable forever.  The next step up in complexity is the two-stage DDM, where the company is expected to grow at a higher, unsustainable rate in the early years (stage 1), and then settling down to the terminal rate for stage 2. Stage 1 is the present value of dividends during the high growth period. Stage 2 is the Gordon Model, starting at the end of stage 1, and discounting back to the present. Consider Abbott Labs (ABT). The current annual dividend is $1.92, the current dividend growth rate is 12%, and let's say that continues for ten years (n), after which point the growth rate is 5% in perpetuity. Again, the discount rate is 10%. Stage 1 is calculated as follows: Stage 2 is GGM, using not today's dividend, but the 11th year's dividend, since stage 1 covered the first ten years. 'gn' is the terminal growth, 5% in our case. then... The value of the stock today is 21.22 + 51.50 = 72.72 ABT closed today at $56.72, for what it's worth."


Look at the left column.  If you are disabled at age 62 or older and have worked for at least 10 years they you qualify for full disability benefits (which are generally less than retirement benefits).   Outside of disability, one is only eligible for social security benefits at age 67 (unless you were born before 1960, in which case different rules apply), but you must have worked for at least 10 years to get full retirement benefits.


Cats For Life provided Casual, Formal and many style Cat T Shirts, and Online at reasonable cost accessible in feline forever. We have given to 100% custom solace cotton, rich, delicate ladies' feline T shirts and printed feline T shirts. Enormous accumulation of feline cat shirts at cats for life and extras at the feline forever. We have provided to cover your body with amazing cat T-shirts from cats for life. Search for your favorite new T-shirts from thousands of great designs in cats for life.


"Fuck Sears and their dogshit customer service.  They're putting themselves out of business.  [Link to my yelp review](http://www.yelp.com/biz/sears-roebuck-and-co-chicago#hrid:hoxPQTINooxJfZCKC_mtuw) of my latest and LAST experience.    Makes me rage too hard to retype it, but tl;dr, they couldn't follow instructions, fucked up the delivery, then wanted to charge me a delivery fee anyway, and had an average of 15-20 minutes hold time for each of three phone calls, and that still wasn't the end of it.  Make sure to read all the other ""fine"" reviews on this company's list of fuck ups.  Among others on my personal list, delivered the wrong model washer to my parents' house that wouldn't fit, and wanted to schedule a new delivery date (for weeks later), and took 7 weeks to fix a bad PCB on my TV.  Go to hell Sears!  Bye!"


"> When you make a mistake, the sooner you admit it, the better.  OK.  Then explain this statement:  ""You still pay taxes on ""tax deferred"" retirement plans - In fact, I would dare say that in most cases, people end up paying more in taxes, because they pay it as regular income rather than LTCG.""  What is the account that you're referring to where you'd pay only LTCG?"


"To be honest, I think a lot of people on this site are doing you a disservice by taking your idea as seriously as they are. Not only is this a horrible idea, but I think you have some alarming misunderstandings about what it means to save for retirement. First off, precious metals are not an ""investment""; they are store of value. The old saying that a gold coin would buy a suit 300 years ago and will still buy a suit today is pretty accurate. Buying precious metals and expecting them to ""appreciate"" in the future because they are ""undervalued"" is just flat-out speculation and really doesn't belong in a well-planned retirement account, unless it's a very small part for the purposes of diversification. So the upshot to all of this is the most likely outcome is you get zero return after inflation (maybe you'll get lucky or maybe you'll be very unlucky). Next you would say that sure, you're giving up some expected return for a reduction in risk. But, you've done away with diversification which is the most effective way to minimize risk... And I'm not sure what scenario you're imagining that the stock market or any other reasonable investment doesn't make any returns. If you invest in a market wide index fund, then the expected return is going to be roughly in proportion with productivity gains. To say that there will be no appreciation of the stock market over the next 40 years is to say that technological progress will stop and/or we will have large-scale economic disruptions that will wipe out 40 years of progress. If that happens, I would say it's highly questionable whether silver will actually be worth anything at all. I'd rather have food, property, and firearms. So, to answer your question, practically any other retirement savings plan would be better than the one that you currently outlined, but the best plan is just to put your money in a very low-cost index fund at Vanguard and let it sit until you retire. The expense ratios are so stupidly small, that it's not going to meaningfully affect your return."


Whether you are moving a one room workplace or a big corporation, the best moving companies in ct makes all of the distinction in the globe. When you utilize an expert mover, you decrease responsibility risks. No more thinking about viable injury to your workers, accidental loss of files, damage to valuable essential or violating privacy regulations.


Excellent points, especially what you say about why managers like certain people and also how productivity is measured. I suspect many HR systems exist that aim to eliminate this subjectivity in terms of assessing employee performance and post-assessment, dole out rewards (pay, bonus, etc.) as objectively as possible...but of course these systems are far from perfect.


The actual financial statements should always be referenced first before opening or closing a position. For US companies, they are freely available on EDGAR.  Annual reports are called 10-Ks, and quarterly reports are called 10-Qs. YHOO and GOOG do a great job of posting financials that are quickly available, but money.msn has the best.  These should be starting point, quick references.  As you can see, they may all have the same strange accounting. Sometimes, it's difficult to find the information one seeks in the consolidated financial statements as in this case, so searching through the filing is necessary. The notes can be helpful, but Ctrl-F seems to do everything I need when I want something in a report. In AAPL's case, the Interest expense can be found in Note 3.


iTunes U has a wealth of content from highly respected universities including Yale, Harvard, Wharton, MIT, etc. If I were fifteen and looking to build some business acumen and savvy, that is where I would start. In particular, I find Harvard business review idea casts to be thought provoking and very timely. In addition, they generally focus on disruptive business models.    Good luck.


"I am in a similar situation and have recently found a planner who says a pension that pays $100/month is worth $18k in savings at retirement. I know that doesn't answer your question directly, but could could use a simple interest savings calculator (bank rate has one) to see how much of your income you would need to save over x period of time and deduct that from you the offer at your prospective employer to compare ""apples to apples"" However, I actually think the value of a pension at retirement is greater than listed above.  To illustrate: So in this example my pension would seem to be valued at about $14,000 in salary for those 10 years."


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-08-30/as-poverty-surges-in-italy-populists-propose-a-citizens-income) reduced by 89%. (I'm a bot) ***** > Five Star&#039;s version would give Italians below the poverty line as much as &euro;780 a month.  > To keep Five Star from dominating the debate, Prime Minister Paolo Gentiloni, a Renzi ally, has approved a less ambitious plan he calls &quot;The first universal tool against poverty.&quot; The scheme, dubbed &quot;Inclusion income,&quot; would give 1.7 million people as much as &euro;485 a month as long as they&#039;re actively seeking work, at a cost of about &euro;2 billion a year.  > BOTTOM LINE - Italy&#039;s populist Five Star Movement is proposing a universal basic income-an idea that rival parties have started to adopt ahead of elections expected next year.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6x7otl/as_poverty_surges_in_italy_populists_propose_a/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~201948 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*: **Five**^#1 **Star**^#2 **year**^#3 **Party**^#4 **program**^#5"


Yes, it is possible. But why would someone take full responsibility, if you're the one enjoying the profits? You'll have to pay your administrator a lot, and probably also develop a profit sharing plan to encourage success. What you're looking, essentially is to be a passive shareholder, and not participate in any management decisions at all. Depending on your location, it will pose additional disadvantages for you (for example, in the US, that would force you to structure your business as a C-Corp, vs more advantageous S-Corp).


"Why only long term investments? What do they care if I buy and sell   shares in a company in the same year? Simple, your actually investing when you hold it for a long term. If you hold a stock for a week or a month there is very little that can happen to change the price, in a perfect market the value of a company should stay the same from yesterday to today so long as there is no news(a perfect market cannot exist). When you hold a stock for a long term you really are investing in the company and saying ""this company will grow"". Short term investing is mostly speculation and speculation causes securities to be incorrectly valued. So when a retail investor puts money into something like Facebook for example they can easily be burned by speculation whether its to the upside or downside. If the goal is to get me to invest my money, then why not give apply   capital gains tax to my savings account at my local bank? Or a CD   account? I believe your gains on these accounts are taxed... Not sure at what rate. If the goal is to help the overall health of business, how does it do   that? During an IPO, the business certainly raises money, but after   that I'm just buying and selling shares with other private   shareholders. Why does the government give me an incentive to do this   (and then hold onto it for at least a year)? There are many reasons why a company cares about its market price: A companies market cap is calculated by price * shares outstanding. A market cap is basically what the market is saying your company is worth. A company can offer more shares or sell shares they currently hold in order to raise even more capital. A company can offer shares instead of cash when buying out another company. It can pay for many things with shares. Many executives and top level employees are payed with stock options, so they defiantly want to see there price higher. these are some basic reasons but there are more and they can be more complex."


"If you do so in proportions to match juice, then yeah, you have juice (with added colorings, which are listed in the ingredients).  There's a reason there are limits, and that's to prevent such pedantry as what you suggest. There are small losses or gains allowed. Rarely does any industry hit things dead on.  For example, when making ham, one can add water (brine), and then cook the product, and as long as the finished product is not more than 0.9% from the original weight of the ham, it isn't ""water added."" It's pretty amazing what modern equipment can do, but I still can't hit the green weight dead on every time."


The smart phone platform vendors are missing out on a new niche that would make life easier for corporate workers and IT departments alike.  The current problem is the 'BYOD' trend, of every office worker wanting to bring their own device, iPhone, tablet, whatever. This is a problem because this is an uncontrolled environment from an IT point of view.  What if there was an app that ran on android/iOS/windows8/whatever that acted as a Virtual Phone that was encrypted and walled off from the rest of the users phone. And it is under complete control of corporate IT, so they are happy too. It would have its own number and act like a separate phone. However the user would only have one phone taking up pocket space, instead of classic situation of carrying their own phone and a 'work' phone.  The best company placed for this is RIM. They have a lot of experience in integrating phones to corporate environments. IT departments already have experience with the blackberry platform. They still have a large amount of money to burn in a Hail Mary project such as this and they are (or were) desperate enough to try such a change in direction.  They should exit the hardware business and make a virtual phone app that corporate IT can roll out to employees phones. Hell it would even be cheaper for companies than handsets alone.  They would own this market outright and if executed well, most companies would be on board and RIM would be back with the massive profit margins software usually carries. Instead of the lower margin hardware usually has.


STFU. What are you, on safetry patrol in the 5th grade? Moderators like you are the reason reddit is in rapid decline. Reddit in rapid decline effects the bottom line.  If you were to resign as moderator, the community, and the bottom line would be better off. /business


Yes, but that is more of a problem in the long run dynamics of companies. In the short run they aren't changing the person in charge. It seems weird to assume they will stop trying until we see an actual strategy shift that seems short sighted.


"Although there are some good points made here as to the cause of inflation (mostly related to supply and demand), azcoastal does head in a different direction, one which I myself was going to take. Let me give a different angle, however. Another cause of inflation is the printing of money by the government (not simply replacing old money with new, but adding to the total money in circulation). If the government doubles the amount of currency in circulation (for the sake of argument and easy math), the value of all money decreases by a factor of 2. That's inflation, and the way G. Edward Griffin in The Creature From Jekyll Island puts it, it's really tantamount to a hidden tax. In a nutshell, the federal government wants to buy some cool stuff like new tanks or planes, or they want to give a bunch of food stamps to poor people, or they want to fly their private jets around, but they don't have enough money from taxes. So, they print money and spend it and buy their stuff. Because they've just increased the money in circulation, however, money loses its value. For example, your savings has dropped in value by half, despite the fact that the same number of dollars is in your savings account. This is just a way the government can tax you without taxing you. They buy stuff and you now have less money (i.e., your retirement is worth less) and you don't even know you just got taxed. Makes me sick that we let our ""leaders"" get away with this."


Interest rates have been going down since 1980.  At some point it has to rebound, but as the old adage goes, the market can remain irrational longer than you can remain solvent.  The only thing we know with certainty about the 10 year interest rates is that it will most likely cap out at 0%.  Maybe....


You are making close to 200 K a year which is great. The aggressive payments on loans takes out around 30K which is good. The fact that you are not able to save is bad. Rather than pushing off your savings to later, scale down the lifestyle and push the upgrade to lifestyle for later


I said no and yelled at the sales rep cause they wouldnt take no for an answer. I recieved 2 bad reviews from San Franscisco and 2 from NY and I am in Miami.  Two of them mentioned menu items I did not serve for weeks cause the items were out of seasons.  F yelp!


Lets just get to the point...Ordinary income (gains) earned from S-Corp operations (i.e. income earned after all expenses for providing services or selling products) is passed through to the owners/shareholders and taxed at the owner's personal tax rate. Separately, if an S-Corp earns capital gains (i.e. the S-Corp buys and sells stock, earns dividends from investments, etc), those gains are passed through to the owners and taxed at a capital gains rate Capital gains are not the same as ordinary income (gains). Don't get the two confused, they are as different for S-Corp taxation as they are for personal taxation. In some cases an exception occurs, but only when the S-Corp was formally a C-Corp and the C-Corp had non-distributed earnings or losses. This is a separate issue whereas the undistributed C-Corp gains/losses are treated differently than the S-Corp gains/losses. It takes years of college coursework and work experience to grasp the vast arena of tax. It should not be so complex, but it is this complex. It is not within the scope of the non-tax professional to make sense of this stuff. The CPA exams, although very difficult and thorough, only scrape the surface of tax and accounting. I hope this provides some perspective on any questions regarding business tax for S-Corps and any other entity type. Hire a good CPA... if you can find one.


Can confirm. I work in one such office in India surrounded by IT support people, but doing investment research myself. I swear these guys are so horribly bad that I've fought with my boss to just let me get the updates etc done on my own. He hasn't agreed because he's very computer illiterate, but even he can see how crazy incompetent the IT here is.


Grow your small business with SAP Support services offered by The FirstCall Consulting. Our SAP consultants have 15+ years of experience that helps to resolve your critical SAP issues within the time frame and saves your efforts, time and money. Follow us on Weebly. Visit- http://www.thefirstcallconsulting.com/


Demand is also a rule of economics and always exists.  It is the advertising/marketing efforts that fulfills the assumption of economics of perfect information.  It is the entrepreneurs/ investors estimation of what the demand will be once consumers have perfect information of the product that creates companies, spurs investment, and creates jobs to carry out the plan.  All of this is based on the idea that the investment of time and money will generate a return.  To use a different product as an example; there is always demand for food, with consumer preference for say pizza.  I'm not creating jobs by sitting on my fat ass at home wanting someone else to make me a pizza, and drive it to my doorstep.  If there isn't a pizza place I can make myself a PBJ sandwich and no jobs are created.  It was the entrepreneur/ investors who hypothesized there was a hidden demand for fatasses like me wanting pizza that made the plan for building a pizza place and then investing money which was used to hire employees based on the assumption that the demand existed, and my fatass would spend money giving them a return on their investment.


78.84% of statistics are made up on the spot.


First, make sure you are contacting the bank directly - use an old invoice you have on hand with a phone number direct to the bank and call them.  Do not use the provided number, or you may wind up being pulled into a scam (It is entirely possible that the bank is also confused at this point - so you should not rely on the number provided at all). Second, once you can confirm that your account is being closed, find out when it is being closed so you know when you need to act on it - it's possible you still have access to your account, and do not need to launch into a panic just yet.   Third, get the bank to explain exactly why they are closing your account - make it clear that if they cannot explain, you will be forced to transfer to a new account and close business with them permanently - this is not a threat, this is a matter of fact because... Finally, if you cannot keep your account open, find a different bank and open up a new account.  Frankly, if your current bank is closing your account and only managed to get a letter out to you a month late, you should probably find a new bank.  If instead they simply cannot figure out if your bank account is closed or not, this is also a bad sign and you may want a new bank account anyway.   But please, go through these steps in order, because you need to verify with your bank what is going on.   Keep @Brick 's answer in mind as well, in case you need to get your money out of your account quickly.


"Well... (in the US, at least) ""making investments and building assets"" is how you save for retirement.  The investments just happen to be in the stock market, and the federal legislature has directed the US version of  Inland Revenue Services to give special tax breaks to investments which are not withdrawn until age 59 1/2. I don't know if there are such tax breaks in Pakistan, or what the stock market is like there, so I'm presuming that by saying, ""building lucrative assets"", your father is referring to buying real estate and/or becoming a trader. Anyway, it's a good thing that you are looking so far ahead in life instead of only thinking of fast cars and pretty girls."


Just so you know, the SEC doesn't have criminal authority, they do civil fines.  It's the Department of Justice that sends white collar criminals to jail.  If you'd like to see what they've been up to, [here's a little info from the FBI](http://www.fbi.gov/stats-services/publications/financial-crimes-report-2010-2011)  Also, I could be wrong but I think the government mass settled the claims coming from the financial collapse.     *edit: you don't get to keep the money you made from your illegal activity.  That would just be stupid.  The fines are on top of giving the money back*  *edit 2: remember [these girls?](http://www.youtube.com/watch?v=ihLBCbNIDbI&feature=share).  They didn't get to keep the money they stole.  It's no different in white collar crime.*


"Assuming U.S. law, there are ""safe harbor"" provisions for exactly this kind of situation. There are several possibilities, but the most likely one is that if your withholding and estimated tax payments for 2016 totaled at least as much as your tax bill for 2015 there's no penalty. For the full rules, see IRS Publication 17."


The short answer to your initial question is: yes. The option doesn't expire until the close of the market on the day of expiration. Because the option is expiring so soon, the time value of the option is quite small.  That is why the option, once it is 'in-the-money', will track so closely to the underlying stock price. If someone buys an in-the-money option on the day of expiration, they are likely still expecting the price to go up before they sell it or exercise it. Many brokers will exercise your in-the-money options sometime after 3pm on the day of expiration.  If this is not what you desire, you should communicate that with them prior to that day.


About two years ago I went to BB giving them the benefit of the doubt.  They refused to price match another local retailer on the grounds they weren't local and BB gets to decide what constitutes local.  It will take a miracle to get me back in their store.  Incidentally the other retailer has big prominent signs outside, inside and on its ads saying it will price match including online retailers.


817/150,000 = .54% Fees are based on balances not deposits, usually. Putting a front loaded fund as an option in a 401(k) should be criminal, not sure it is though.  Ask your HR dept to provide you fee details. If the .54% is correct, it's not bad.  I hope you have money from prior jobs as well, by the way.


Corporate trainer is an instructor, who works in a business environment and imparts the skills, ideas and ethics to groups of employees. Now-a-days corporate trainer plays an important role in corporate sector. Better corporate training can transform your life. For good corporate training, you need best corporate trainer, who can guide you in a perfect way, then take help of Mitesh Khatri – Corporate Trainer, Motivational Speaker & Leadership Trainer. https://trainermiteshkhatri.wordpress.com/2017/06/30/corporate-trainer-3-super-easy-ways-to-select-the-best/


Tons of files to read, deadlines to meet, meetings to attend… apart from doing your actual work of contributing to the business. In the middle of everything lie a few smart choices which have the potential of making things a lot easier for you. Adopting a CRM like Wakeupsales is one such choice


">Canada has universities that are hugely benefitting. Students don’t want to go to a country where they think they will be unwelcome. Smart people from India and China look at Trump and they make the decision that serves their interests the best.  No data. Have you been to China? Do you speak Chinese?  ""I’d shut the fuck up about things I don’t understand"""


"My favorite Fed ""admission"" was from Alan Greenspan during his testimony in Congress about what caused the 2008 financial crisis. Senator Waxman basically asked Greenspan if he had fucked up. Greenspan's glib reply was;  ""I found a flaw in the model that I perceived is the critical functioning structure that defines how the world works, so to speak.""  In other words, his grand economic theory was fatally flawed. So to speak. Unbelievable.   [YouTube link - 4:45 ](https://www.youtube.com/watch?v=R5lZPWNFizQ)"


The opening price is derived from new information received. It reflects the current state of the market. Opening Price Deviation (from Investopedia): Investor expectation can be changed by corporate announcements or   other events that make the news. Corporations typically make   news-worthy announcements that may have an effect on the stock price   after the market closes. Large-scale natural disasters or man-made   disasters such as wars or terrorist attacks that take place in the   afterhours may have similar effects on stock prices. When this   happens, some investors may attempt to either buy or sell securities   during the afterhours. Not all orders are executed during after-hours trading. The lack of   liquidity and the resulting wide spreads make market orders   unattractive to traders in after-hours trading. This results in a   large amount of limit or stop orders being placed at a price that is   different from the prior day’s closing price. Consequently, when the   market opens the next day, a substantial disparity in supply and   demand causes the open to veer away from the prior day’s close in the   direction that corresponds to the effect of the announcement, news or   event.


I applied for a job a was literally perfectly qualified for. My educational background was exactly what it described, my work history was spot on, and my internship experience was DOING THAT JOB. I got an email two weeks later saying I wasn't qualified.   So now I just get jobs through connections. My own merits apparently don't mean anything.


"Typical for large companies.  My company isn't declaring bankruptcy but every year they ""run out"" of money for us to take legitimate business trips to support customers.  Meanwhile executives are constantly flying around so they can give speeches that say nothing to people who don't care.  Even if they just stopped spending so much when they traveled (international first class tickets are crazy expensive) we'd probably still have enough to go around."


I err on the side of saving all of mine for a while.  Just toss them in a box at least.  A years' worth is about the size of a shoebox. I started doing this because one year, about a week after I tossed my receipts for the year, I realized that I had a fair bit of allotment left on my flexible savings account to use up.  I could have used those to substantiate over-the-counter medicines I purchased. Even if you don't use them for tax purposes, you can use them for budget-tracking purposes.


Where are you operating your business and how is it structured? DBA, LLC? How do you plan on taxing the business?   You can purchase whatever hardware you want and resale at whatever price you want. You may be able to contact a vendor and open a dealer account. This means they'll will give you a price break if you purchase X amount of volume but this may require more upfront capital.   Warranty will probably be best to be done under your name. Most manufacture warranties require proof of purchase from an approved vendor. If you're buying and reselling at a higher cost then the original receipt will show your profits. Likewise, you can sale the hardware at cost and make all your money on labor. This would allow you to pass the warranty responsibility to the customer. Depending on the customer’s site you may have to mount your routers, repeaters and access points in hard to reach places.  The customer might prefer to call you and have you take care of it from there.   The way I would do it structure the installations by square footage and predicted users. The greater the square footage the more hardware you’ll need.   Offer a remote support plan at a reasonable rate. For 20/month you will provide tear 1 support which can include troubleshooting dead access points remotely, changing network names, and providing up to X amount of network reports. ( Ubiquiti offers network monitoring for free in their suite. You would just be interpreting this information) For issues that require you to come to site you can charge X amount of dollars per visit plus parts and labor. I would offer on the spot replacement for hardware under warranty for a very small fee and then you can ship off the defective hardware and have it replaced.   If you do purchase with amazon I know they offer extended plans on a lot of their electronics. It would be worth considering these plans and adding the cost to the hardware you’re reselling. Most of these plans simply write you a check for defective hardware after you ship them in.   I would highly suggest going with a business structure that protects your personal assets such as an LLC. I recommend this because you will be proving a service to other people and you may be blamed for damages. If you are found to be at fault they company takes the hit, not you.   edit: Also, you can take advantage of amazon's two day shipping. When a customer contracts you for a job simply ask for 50% deposit and a 4 day notice. When you receive the deposit place the order on amazon for the hardware. This will mean less money out of your pocket.


You are expected to file 1099 for each person you pay $600 a year. I.e.: not a one time payment, but the total over the course of the year. Since we don't know how much and what else you paid - we cannot answer this question. The real question you're asking is that if you're treating the enterprise as a hobby, whether you're supposed to file 1099s at all. The answer to that question is yes. You should talk to your tax adviser (a EA/CPA licensed in your state) about this, and whether it is the right thing for you to do treating this as a hobby at all.


Start with the list of mortgage companies approved to work in your area. There are 80 within 10 miles of my house, and more than 100 in my county. Pick ones you know because they are established businesses in your area, region, or even nationally.   A good place to start might be with your current lender. The risk you seem to be worried about is a scam or a trick. In the recent past the scams were ones where the home owner didn't understand teaser rates, and the risk of interest only and pick-your-payment loans. The simpler the bells and whistles, the less likely you are to be embarking on a risky transaction. It can't hurt to ask an organization like the BBB or neighbors, but realize that many people loved their exotic mortgage until the moment it blew up in their face. So for 5 years your neighbor would have raved about their new mortgage until they discovered how underwater they were.  Regarding how smoothy the transaction is accomplished, is hard to predict. There is great variation in the quality of the loan officers, so a great company can have rookie employees. Unless you can get a recommendation for a specific employee it is hard know if your loan officer is going to give great service.   When getting a mortgage for a purchase, the biggest risk is getting a mortgage that results in a payment you can't afford. This is less of a risk with a refinance because you already have a mortgage and monthly payment. But keep in mind some of the monthly savings is due to stretching out the payments for another 30 years. Know what you are trying to do with the refinance because the streamlined ones cant be used for cash out.


If you don't like the cartel extorting you, you should just leave.  So cartels are moral, right?  A: I shouldn't have to leave just because thugs say they run land. They don't own the land I'm on, private persons do. Those people should be the ones saying whether or not I can be there.  B: I actually can't leave for free. The US government dictates the terms under which I can leave. Currently, it would cost me some 12k to repudiate my citizenship. Oh, and the government can and does change those terms *at any time* without me having the ability to asset or dissent. How is it voluntary if it's entirely unilateral?


I think other US companies are starting to wonder where the cost savings are.   Moving to China is starting to look like a fad.  A couple of big companies went to save a buck and the rest jumped on the wagon to keep the stock holders happy.


To invest relatively small amounts in the real estate market, you could buy shares in a Real Estate Investment Trust (REIT), a type of mutual fund. Admittedly that's a very different proposition from trying to become a landlord; lower risk but lower return.


> many of our policies set up public schools to fail. Is that your impression?  Maybe, I wonder if schools main function is not education, but babysitting. We are definitely succeeding at our function of babysitting. The two functions, babysitting and education are intertwined quite nicely, but it would be interesting to design an experiment where we test one and the other, and see parent's reactions.   What would be the consequences of this experiment?  Provide each student with a monitor so they can watch all their classes from their house, nothing else changes, students can still ask questions, like a conference call. This would keep the education, but take away the babysitting.


You're making a political argument out of a mathematical truism.  There is no difference between getting paid $100 more per month and having something that you routinely pay for become $100 per month cheaper for you.  In both cases you have $100 more surplus income.  There may be a slight difference in taxation and other finer details, but all things being equal it's the same thing.


"Assuming you can understand and emotionally handle the volatility, a good indeed fund would be wise. These are low fee funds which perform as well as our better than most managed investments and since they don't cost as much, they typically out perform most other investment vehicles. The S&P 500 is traded as SPDR. Another option is the Dow Jones Industrial Average, which trades as DIA. Average returns over the long term are 10-12%. If you expect to need the money in the short term (5-8 years), you have a non trivial chance of needing to pull the money out when the market is down, so if that's unacceptable to you, choose something with a guarantee. If you're terrified of losing money in the short term, don't think you can handle waiting for the market to go up, especially when every news caster is crying hysterically that the End of Economic Life on Earth is here, then consider a CD at your bank. CDs return much lower rates (around 2% right now) but do not go down in value ever. However, you need to lock your money into them for months to years at a time. Some people might tell you to buy a bond fund. That's horrible advice. Bond funds get lower returns AND have no guarantee that you won't lose money on them, unlike aactual bonds. As you're new to investing, I encourage you to read ""The Intelligent Investor"" by Benjamin Gramm."


Jacksonville Gold Club now has special packages for every party, regardless of the size or the type of celebration. Whether it’s a Jacksonville Bachelor Party, bachelorette party, birthday or business event, we have exactly what guys, girls, and couples are looking for.


"You will need to file  a US income tax return, and declare all income world-wide.  Whether this results in any tax owed depends on your particular circumstances, and the effect of any tax treaties between the US and India. There are additional requirements for the filing of information on the amounts in foreign accounts held by ""US tax persons"".  Depending on the nature of these accounts, the complexity of the forms, and the penalties for non-compliance can be quite high... Short version:  Consult a professional well-qualified in US/India tax matters..."


"You are not required to contribute to a TFSA or an RRSP. Nobody contributes to OAS, it's a program to provide benefits to old people for them to be ""secure"". The only fund you MAY contribute to is CPP. If you're being paid a salary by a Canadian employer they will deduct some money from your salary (and add more money of their own) as CPP contributions. Ignore the getting of CPP early or late, since that's just a 5 year shift not related to ""ok, I'm leaving the country, send me my pension."" Your issue is more ""can I collect when I no longer live there?"" Plenty of Canadians retire outside of Canada (the warmth of Florida lures many of us) and collect their CPP. There is even a page about the mechanics of getting your pension in another currency. That said, CPP is a very small pension. If you work for 40 years at more than $50,000 a year and wait till age 70 to collect you will still get less than $1000/month. Working for less time, less than that salary, or taking it before you're 70 will all reduce it substantially.  Probably more relevant to you, you can have your Canadian years counted as American ones thanks to a Social Security Agreement between the two countries."


Could they is not the question, it's should they.  There is no math or methodology that can definitively answer that question. The reason they keep so much cash is the company almost died due to lack of cash. They are institutionally scared of that happening again.


There is not a quantified set in stone amount of pain that must be endured for this situation to be resolved, and it is my belief that Germany stepping up and doing their part would help minimize the overall pain that must be endured, to say nothing of it being the right thing to do. Additionally, I do believe it will result in the greatest amount of economic growth overall.


Assuming you are looking at moving your earnings when your tax status in India was NRI; then there are no taxes to be paid when you transfer the money back to India. You can move the funds back to India over a period of 7 years from the day you land.


It would be difficult to answer without knowing specifics about a particular offer. In certain cases, it's definitely great and one could become a millionaire [Google for example]. In other cases one could lose money. In most cases one makes a decent return. As the specifics are not available, in general look out for: Most of these would determine if the plan is good for you to get into.


I don't know much about finance, but maybe you should research some stocks, find one that outperformed the market during a recession or downturn and analyze it.  My first guess would be to go onto finance.google click some stocks and look at the graph during a time period when there was a downturn, click the button that compares it against the s&P or DOW and if the stock is higher then, yippee-ki-yay,  you found something to analyze.


Many businesses will request that you get a bank-issued check for large amounts of money. The exception is often in cases where you're not going anywhere: you can write a 50,000 check for a deposit on a new house, and you'll never have a problem, but a car dealer will probably request a counter check for the same sum.


If you carried a balance from the last month, then pay the card off as soon as possible. Otherwise I agree with @mbhunter that you should wait until close to time for the bill to become due. Then always pay the credit card off in full and you will borrowing Chase's money interest free for up to 30 days.


Whenever you want to spend the weekend with your family, then you can come here to make the special evening in West Palm Beach Escape Rooms. It is a full secure place for the girl, we have good corporate team building escape rooms WPB. We are working together and using your time wisely will you find the clues. We serve you better service all of those escape room, our services are less than expected. The escape rooms are amazing design for those people who want to spend the time with fun and get participate in our activities.


Find a physical activity or programme that interests you.  Memberships only have real value if you use them.  Consider learning a martial art like karate, aikido, kung fu, tai kwan do, judo, tai chi chuan. :-)   Even yoga is a good form of exercise. Many of these are offered at local community centres if you just want to try it out without worrying about the cost initially.  Use this to gauge your interest before considering more advanced clubs.  One advantage later on if you stay with it long enough - some places will compensate you for being a junior or even associate instructor. Regardless of whether this is your interest or if the gym membership is more to your liking real value is achieved if you have a good routine and interest in your physical fitness activity.  It also helps to have a workout buddy or partner.  They will help motivate you to try even when you don't feel like working out.


I've had some time to investigate this and so I will answer my own question, as it may be of help to others. One of the first things to do is examine all bank statements, as this may reveal in-goings and out-goings from a previously unknown source. Secondly, get any mail redirected. Unfortunately, mail redirection is far from perfect in the UK but at least it increases one's chances of uncovering an unknown asset. Lastly, there is Landmark FAS who will do a search for a fee of around £175.


I would apply extra cash left over at the end of the month as follows, in order of priority: Realize, though, that this is my take on priority. My experience has been that a liquidity crisis is much more stressful than having a mortgage or other debt -- illiquid wealth is almost useless when you need cash. So if you still have strong feelings about retiring that debt after considering the liquidity issue, go ahead and swap #3 and #4 above. Make plans to pay off the mortgage over the next 10 years. Find a mortgage payoff calculator and make extra monthly payments that keep you on a 10 year schedule. I'd strongly suggest making sure your retirement savings are on track, though. Time is on your side here, and your required monthly contribution will be low now while you're still in your 20s.


I see one clear thing to help: She lives alone.  Why does she need a two bedroom place?


In the world, chocolate is the most popular tested product. The popular product manufactured by roasting, fermenting, and processing the beans of a cacao tree in combination with sugar is a pretty amazing food. To all integrate needs to the Chocolate melting tank. So if you want to melt tank, then you can contact us. We will provide you with the best quality tank at an affordable price.


"I call BS. Glass-Steagall was an important firewall preventing investment in securities that commercial banks have no business being in, even with 100% reserve. When required returns continuously increase due to shareholder expectations, it is only a matter of time before riskier and riskier positions are taken to meet these expectations. This is a risk that depositors (FDIC in reality) never knowingly signed up for. At some point it only takes one really bad derivatives trade to bring it all down.   In the long run, decent interest rate spreads should be enough to keep commercial bankers happy. At the very least, some limitation on certain types of heavily levered trading should be established.  I don't buy the idea that if you remove ""one extremely risky way to make money people will just find another."" That is true to an extent, but at least those people won't be doing it on Average Joe's dime."


Price range compared to the Model 3?  Here in Germany we always get the same yada yada about batteries not sufficient, grid not evolved enough, Tesla going down soon.  But Benz is actually preparing, also gigafactorywise. You are right.  The bigger question is when they will realize that they can't maintain just selling cars to the end user. Owning a car at some point will be a thing of the past. You will pay a monthly fee and always have a car in front of your house when you need it.


It depends, generally for consumer goods it is advisable to pay money in one go and avoid paying installments as there are charges for it.


We are about to have a 1.4 million headcount shortfall in software development by 2020, many of those jobs earn over twice the average household income.  So while you may claim software wealth peaked in the 90s, that's false. The problem is it takes decades for companies to churn out tons of millionaires, there really are no overnight successes and most people in the industry are mediocre. So for an accurate comparison you need to look at facebook, twitter and other social sites from the 00's and uber, airbnb and slack 10 years from now. The gaps are the result of the crashes in 01 and 08.  Also most people struggle with basic computer operation without a GUI, programming is not for everyone.


The only way someone can take money out of your account using just your sort code and account number is if you set up a direct debit to pay them (or someone pretending to be you sets up the direct debit). Even with Paperless DD's this can take some time. Anyone who can process debit card transactions can take money from your account if they have your debit card number, expiry date and cvv number. Direct debits do not have an expiry date so they are normally used for paying automatic regular long term bills (like rent, rates, electricity etc). Note, anyone with an ordinary bank account can pay money into account,  using your sort code and account number.


Collection agencies will eventually find you if you work for an employer that uses the credit bureaus for pre-employment screening, or you sign up for utilities or services that check your credit, or you enter into public record any other way (getting arrested, buying land, etc.). Such inquiries will put you on the grid where the collection agencies can find you and/or sue you. Two years out is about the point where they're looking for blood. The next time your friend applies for an apartment, utilities or cell phone service, she's going to get some calls.


Spent a few years in Taiwan working remotely to the US.  I didn't speak the language so everything was background noise and I have never been so productive. Well, until someone is eating and chewing with their mouth open.  Chalkboard and nails shit right there.


No surprises here. Maybe the author has forgotten that we're still in a depression with high unemployment and 99% of the population has less money.  Families have a limited entertainment budget and more product categories vying for their money. This isn't rocket science.


You set it based on liquidity management. Cash drag is one of the reasons actively managed funds underperform. The longer your settlement date, the less cash you have to hold because you can take three days to liquidate positions to redeem. So it's a convenience vs performance question.


You can be sued if some random stranger that you never had any interaction with gets in an accident. There is really no barrier to people suing you if they get it in their head that they want to. Winning that lawsuit is another matter entirely.  Whether you would be held liable and lose the lawsuit depends on whether someone can convince a court that you are partially responsible for a financial loss. Not sure how anyone could possibly successfully argue that in this situation.


"What you have is usually called a pre-paid credit card.  You pay some money (Indian Rupees) to the credit card company, and then you can use the card to pay for purchases etc in foreign (non-Indian) currencies upto the remaining balance on the card. If a proposed charge exceeds the remaining balance, the transaction will be declined when you try to use the card.  There might be multiple ways that the card is set up, e.g. it might be restricted to charge purchases denominated in US dollars alone, or you might be able to use it anywhere in the world (except India).  The balance on the card might be denominated in INR, or in US$, say. In the latter case, the exchange rate at which your INR payment was converted into the $US balance is fixed and agreed to at the time of the original payment: you paid INR 70K (say) and the balance was set to US$ 1000 even though the exchange rate on the open market would have given you a few more US dollars. In the former case with the balance denominated in INR, a charge of US$ 100, say, would be converted to INR at a fixed agreed-upon rate, or at the current exchange rate that the Visa or MasterCard network is using, plus (typically) a 3% fee currency exchange fee, and your balance in INR will decrease accordingly. With all that as prologue, if you made a purchase from Walmart USA and later returned it for a credit, it should increase your credit card balance  appropriately. You may be whacked with currency conversion fees along the way depending on how your card is set up, but with a US$-denominated card, a credit of US$100 should increase your card balance by US$100. So, that $US 100 can be spent on something else instead.  In short, the card is   your ""bank"" account. You cannot spend more than the remaining balance on the card just like you cannot withdraw more money from your bank account than you have in the account, and you can recharge your card by making more INR payments into it so as to increase the available balance. But it is like a current account in that you are unlikely to earn interest on the balance the way you do with a savings account. So what if you are back in India and have no further use of this card? Can you get your balance back as cash or deposit into your regular bank account? Call the Customer Help line, or read the card agreement you signed."


Corporations exist to generate profit and reduce risk for investors.  This is a socially good and useful function that benefits us all.  A corporation that didn't seek to lower its tax bill to the lowest legally allowed would be breaking the law.  Rather than show up unannounced at random times and ransacking/pillaging whatever they could grab ahold of, governments have discovered (through trail and error) that having clear consistent rules about how much they demand nets them more revenue.  Thus tax law and why it is important.  Over time governments have used tax law for social engineering purposes, and as a mechanism for attempting to control their local economy. Because of this tax law has tended towards higher and higher complexity.  Throw territorial rivalry into the mix and tax law can be also used as a sort of economic weapon.  All of this yields a monstrously complex tax code, which mandates that businesses pay more and more attention to following it's arcane rules if they want to remain in business.  'Gaming the system' isn't morally wrong, it is what governments expect businesses to do, otherwise they wouldn't spend so much time setting up such complex rules for business to follow.  I suspect that there will be public outcry for more rules, making the tax system even more complex, because evil businesses are attempting to follow the rules.  In a sane world governments would step back, refrain from social and economic manipulation (which they have shown themselves to be incompetent at anyway) and create as simple a tax code as possible. So that the tax code is no longer where businesses seek to gain advantage, but rather focus their time and energy into creating better products/services (every dollar spent on tax-lawyers/accountants is a dollar not spent on making the business better).  Creating more rules to punish people for following the rules is insanity.


>When banks, insurers, and other entities large enough to have a Chief Risk Officer enter into these contracts, the assumption is that they know what they're doing  HAHAHAHAHAHHAHAHAHAHHAHAHAHAHAHAHAHAH  By that logic, record companies know what they're doing with respect to music and Michael Bay knows what he's doing with respect to filmmaking.


> Then the author suggests discriminating against people from elite schools and never hiring them.  No, he suggests hiring based on class rank. Avoiding hiring from elite schools is a predictable outcome based on what salaries those candidates tend to demand from the market, it's not that those students are bad it's that they're probably a less cost-effective option than students from less-elite schools.


It is very necessary to get the fitting done properly because if not, the noise reduction is going to be a good as negligible. Replacing your single glazed window with the double one is going to make a massive difference. And when you are choosing the window, it is necessary to take care of the thickness of the glass and also the distance of the panes.


Here's how I think about money. There are only 3 categories / contexts (buckets) that my earned money falls into. Savings is my emergency fund. I keep 6 months of total expenses (expenses are anything in the consumption bucket). You can be as detailed as you want with this area but I tend to leave a fudge factor. In other words, if I estimate that I spend approximately $3,000 a month in consumption dollars then I'll save $3,500 times 6 in the bank. This money needs to be liquid. Some people use a HELOC, other people use their ROTH contributions. In any case, you need to put this money some place you can get access to it in case you go from accumulation (income exceed expenses) to decumulation mode (expenses exceed income). This money is distinct from consumption which I will cover in paragraph three. Investments are stocks, bonds, income producing real estate, small businesses, etc. These dollars require a strategy. The strategy can include some form of asset allocation but more importantly a timeline. These are the dollars that are working for you. Each dollar placed here will multiply over time. Once you put a dollar here it shouldn't be taken out unless there is some sort of catastrophe that your savings can't handle or your timeline has been achieved. Notice that rental real estate is included so liquidating stocks to purchase rental real estate is NOT considered removing investment dollars. Just reallocating based on your asset allocation. This bucket includes 401k's, IRAs, all tax-sheltered accounts, non-sheltered brokerage accounts, and rental real estate. In general your primary residence is not included in this bucket. Some people include the equity of their primary residence in the investment column but it can complicate the equation and I prefer to leave it out. The consumption bucket is the most important bucket and the one you spend the most time with. It requires a budget. This includes your $5 magazine and your $200 bottle of wine. Anything in this bucket is gone. You can recover a portion of it by selling it on ebay for $3 (these are earned dollars) but the original $5 is still considered spent. The reason your thought process in this area is distinct from the other two, the decisions made in this area will have the biggest impact on your personal finances. Warren Buffett was famous for skimping on haircuts because they are worth thousands of dollars down the road if they are invested instead. Remember this is a zero-sum game so every $1 not consumed is placed in one of the other buckets. Once your savings bucket is full every dollar not consumed is sent to investments. Remember to include everything that does not fit in the other two buckets. Most people forget their car insurance, life insurance, tax bill at the end of the year, accountant bill, etc. In conclusion, there are three buckets. Savings, which serve as your emergency bucket. This money should not be touched unless you switch from accumulation to decumulation. Investments, which are your dollars that are working for you over time. They require a strategy and a timeline. Consumption, which are your monthly expenses. These dollars keep you alive and contribute to your enjoyment. This is a short explanation of my use of money. It can get as complicated and detailed as you want it to be but as long as you tag your dollars correctly you'll be okay IMHO. HTH.


"Actually, this is a pretty good analogy to certain types of stocks, specifically tech and other ""fad"" stocks. Around the turn of the century, there were a lot of ""Bobs"" buying tech stocks (like they would baseball cards), for tech stocks' sakes. That's what drove the internet and tech stock bubbles of high valuations. At other times, the tech stocks are bought and sold mainly by ""Steve's"" for business reasons such as likely (not merely possible) future appreciation, and command a much lower valuation."


I have a friend that bought volatility calls the day before brexit and made 1900% return in 1 night.  I wouldn't put that investment next to someone that's buying and holding SPY and say my vix friend is thousands of times better at investing.


"I have a couple other important considerations regarding external HSA accounts vs employer sponsored HSA accounts. Depending on your personal financial situation and goals; some people like to use HSA accounts as an extra retirement account (since the money can be withdrawn penalty free in retirement for non-medical expenses, and completely tax & penalty free at any time for medical expenses). If your intended use for the HSA account is an investment vehicle for retirement, then you may find more use/benefit out of an external provider that may provide more or better investment options than your employers HSA investment options. There can be a lot of additional value in those extra investment options over greater periods of time. Another VERY important consideration for FICA taxes (FICA includes Social Security & Medicare) that I don't believe was mentioned before - for those earners who are under the maximum social security wage limit, you are paying 6.2% of each paycheck into social security taxes. As others have mentioned you can ""save"" this tax through your employer’s plan if you set up the account to be funded pre-tax from your paychecks. However, in doing so, you are lowering your overall contributions into social security, which may lower your social security benefits in your retirement years!  If this is ultimately going to lower your SSA benefits in retirement then that is a big future cost that may steer you against the pre-tax employer contributions. Think of social security as part of your retirement plan, not as a tax but instead as an additional check you put away for yourself for retirement every month. Of course, this is only an important consideration if SSA is still going to be around when you retire, but let's assume that it will be. This is not an issue for higher earners, earning well above the max SSA taxable wages. There is no wage limit on the 1.45% Medicare tax withholding's, and there is certainly no harm in saving Medicare taxes because it will not affect future Medicare benefits. So for taxpayers earning well over the max SSA wages, they will just save the 1.45% Medicare taxes without affecting their SSA contributions and resulting retirement benefits.  So again, it all comes down to personal situations. Depending on your earnings and goals, employer plan may or may not be the way to go.  Personally, for my lower earning clients, friends and family, I tend to recommend that they do whatever they can to maximize their social security benefits in retirement. So I would advise them to either use the external provider account, or the employer plan but with post-tax contributions so you don't lower the SSA withholding's but can still claim the income tax deduction on your tax return. YMMV -Dan"


Skills are not going to cut it.  Environment matters. Social network matters. Government matters.  So an entrepreneur at aged 7 who wants to stack the decks of becoming a billionaire should start preparing for Harvard. At teens, he (yes HE) should be friends with similar guys (yes GUYS) who's dads are multimillionaires or well connected in politics.  Obviously, that assumes the person is already American. (Being in Canada or Switzerland is already going to prevent one from being a Billionaire) If he's not even in America, he's already behind. Non-US billionaires become that way heavily because of being in bed with the government. Figuratively speaking or literally.


"It's not a ""withholding tax"" it's a ""withholding tax amount"". That is, they are not taxing you but they are holding back some of your withdrawal and sending it to the government to cover any taxes you will need to pay on the withdrawal. Same as your employer withholds some of your salary and sends it to the government for you. You won't claim it as a deduction, but it will go at the end along with tax withheld from your salary or anything else. So if you owe $10,000 of tax but various entities have already sent the government $11,000 on your behalf, you will get a $1,000 refund."


You don't have to go through an exchange. That wasn't the problem. It was that the people trading on them wouldn't be willing to take your offer. An exchange can't just list a company. They need that company's consent and the company need's the exchange's consent. I don't know if you're aware of this but that was also an entirely new disaster during Facebook's IPO. Computer glitches didn't help. What you're talking about is a called a secondary market, kind of. Stock exchanges offer those too, especially for options.   That's the typical stock footage you see of guys on wall street yelling and screaming while throwing paper up in the air.


"Short answer: ""Thanks for the heads-up, Luddites; I'll be taking my business somewhere *not* threatened by the realities of the modern world.  Can I send you a complimentary buggy-whip as thanks for my time with your company?""  / Huh, I wouldn't have expected PNC to have so many Reddit shills.  In that case, I prefer [this comment](https://www.reddit.com/r/Bitcoin/comments/75tm44/just_got_a_call_from_my_bank_demanding_i_tell/do98uke) from the original thread: ""why are you buying bitcoin?"", ""bitcoin doesn't call me with annoying questions when I spend it"".  Can you see the future *now*, boys?"


I assume I can/will need to file an 83(b) election, in order to avoid   tax repercussions? What exactly will this save me from? 83(b) election is for restricted stock grants, not for stock purchases. For restricted stocks, you generally pay income tax when they vest. For startups the price difference between the time of the grant and the time of the vesting can be astronomical and by choosing 83(b) you effectively pay income tax on the value of the grant instead of the value of the vest. Then, you only pay capital gains tax on the difference between the sale price and the grant value when you sell. In your case you're exercising an option, i.e.: you're buying a stock, so 83(b) is irrelevant. What you will pay though is the tax on the difference between the strike price and the stock FMV (unless the stocks you end up buying are restricted - which would have been the case if you exercised your options early, but I don't think is going to be the case now). What steps should I take to (in the eyes of the law) guarantee that   the board has received my execution notice? The secretary of the board   is a notorious procrastinator and can be very unorganized. You should read what the grant contract/company policy says on that. Ask the HR/manager. Usually, a certified letter with return receipt should be enough, but you should verify the format, the address, and the timeframe.


One thing that has not been pointed out as a disadvantage of using Credit Cards:  people tend to spend more.  You can see This Study, and this one, plus about 500 others.  On average people tend to spend about 17% more with credit cards then with cash.  This amount dwarphs any perks one gets by having a credit card.   The safest way to use one is to only use them for purchases where you cannot make a decision to spend more.  One example would be for utility bills (that don't charge a fee) or at the gas pump. Using them at Amazon might have you upgrade your purchase or add some extra items.  Using them at restaurants might encourage you to order an extra drink or two.  Using them at the coffee shop might have you super size your coffee or add a pastry.   Of course this extra spending could lead you into a debt cycle exacerbating the financial hit many struggle with.  Please tread carefully if you decide to use them.


If you want to have uninterrupted internet access then buy a Linksys Smart Wifi router. The setup of the router is easy via its web interface as well as through the WPS setup. If you need help for the set up, feel free to contact us.


Plus size fashion includes tops, tunics and bottom wear that are specially designed to flatter full-figured women. Wearing stylish shrugs and jackets is one way to look slender and tall. Another way is to order bespoke clothing that will ensure the perfect fit.


Zero Hedge didn't write the original post. It was published by, wait for it- The Economic Collapse Blog http://theeconomiccollapseblog.com/archives/nafta-is-20-years-old-here-are-20-facts-that-show-how-it-is-destroying-the-economy  When they are syndicating crap from a website like that I just have to tune them out.


You have to file an application with PF Office. Normally your existing Organisation [which you just quit] helps you with the formalities. If not you would have to complete the same and submit it to the EPFO.


"I think the math is wrong. Note that in Scenario #1, you are only out of pocket $1000, while in Scenario #2, you are out of pocket $1250;  the contribution and the tax you paid with respect to it. A better concept than tax rate is ""Retention Rate"".  This is the fraction of your money that the Feds let you keep.  And Growth Factor is the how much the investment grows. So In Scenario #1, you multiply $1000 by the investment Growth Factor and then by the retirement Retention Rate. And in Scenario #2, you multiply the same $1000 by the current Retention Rate and then by the Growth Factor. Since in your approximation, the two GFs are the same, there is no saving..."


In addition to the advice already given (particularly getting rid of high-interest debt), I would add the following:


Housing plus transportation should be about 40%, according to your given rule of thumb, and that's where yours are, so I think you're okay. Guidelines are not rules, and must be related to one's individual circumstances. That said, double-check that your transportation expenses are really zero.


You're missing the point. The US is double dipping as the jurisdiction where the money was earn and taxed too the first dip. It is direct interference in another country's economy and an attack on their sovereignty. Frankly, it smack of typical American conservatism: taking the view that the rest of the world is just an American colony. It's fundamentally undemocratic.


"I am/was responding to your point that beef prices ""should be hitting everyone else harder"".  Your initial argument was that vertical integration made them better able to beat the competition due to lower beef cost.  Clearly not all competition is vertically integrated, so the initial premise warrants exploration.  My comments explore my concerns with your premise, despite the fact I am not an expert on beef or Mcdonalds.  Your initial premise also misses the point that not all of McD's competition is selling beef. This sort of implies that McDonalds can completely keep costs the same as substitutes just because they are vertically integrated.  But I will ignore that for now too.  Now you have abandoned your initial premise and are now arguing that derivatives, combined with vertical integration are the cause for the competitive advantage. I am not going to even begin to argue with this because I don't know about McDonalds hedging strategies compared to their competition. I do know that the derivatives are a) available to the competition and b) would be necessary for McDonalds to even begin controlling ""beef cost"".  So, my main point stands, the vertical integration does not significantly help McDonalds control beef costs compared to a pure derivative strategy (regardless of if competition actually uses derivatives)."


Actually, economists (including Krugman, that posterboy of reddit) [said as much when Bush did those pre-recession](http://krugman.blogs.nytimes.com/2009/08/27/a-note-on-the-bush-fiscal-legacy/) (I know he posted about it earlier but can't find it now).  EDIT: [Boom](http://www.nytimes.com/2003/03/11/opinion/11KRUG.html)  The general guidance is get revenue during a boom so that you have fiscal levers in times of a recession. Bush basically set up the economy pre-recession so that those levers were taken away, between the tax cuts and the wars.


Sorry to necro this thread but you were totally right - I found this study that confirms buying puts loses money at a faster rate than is predicted by CAPM. Conversely, writing puts earns superior risk-adjusted returns compared to the market portfolio. The study is about writing straddles but it's a similar concept. I'm just posting here in case someone searches this thread in 6 months https://deepblue.lib.umich.edu/bitstream/handle/2027.42/74142/0022-1082.00352.pdf?sequence=1


I don't believe there exists a tax-advantage for paying employees a bonus instead of increased salary. It's all expense to the employer, it's all income to you, and it's taxed the same (bonus checks might have more withheld, but your end of year tax burden doesn't change). It does benefit your employer to delay a significant portion of your pay until the end of the year, delaying payment provides buffer in case of delays in getting paid by the client. Your employer could even put the extra money to work earning more money over the year.  It would depend on your contract, but are you due your bonus if you were to leave your job before year-end? If not, that's a great reason to delay payment, because it makes you less likely to leave mid-year, and should you not work out they can keep the difference.


Some other answers mention the ability to sell at grant. This is very important. If you have that ability, think about your guaranteed return. In my case, I get a 15% discount on the lowest 6 month window price from the last two years.  If you do the math, the worst case return can be calculated: 1) Money that from the beginning of the window, I make 15% for 6 months (30% annual return guaranteed) 2) Money at the end of the window (say the last month) is 15% for one month (180% annual return guaranteed) In the end, your average holding window for your money is about 3 months (you can calculate it exactly). At that rate, you have a guaranteed 60% annual return. You can't beat that anywhere, with a significant upside if your company stock is increasing. So, if your company has an instant sell at grant option, you have to be brain dead not to do it. If it takes time to get your shares, then you need to look at the volatility of the stock to see how big the chance of losing money is. To generalize to a formula (if that's what you want): WM = purchase window (in months); D = Discount Percentage; GR = Guaranteed Return GR = 12/(WM/2) * D = 6*D/WM One last thing, If you are going to participate in ESPP, make you that you understand how to do your taxes yourself. I haven't found a tax person yet who does ESPP correctly (including an ex IRS agent), so I always have to do my taxes myself to make sure they get done correctly.


You want to have 2-4 credit cards, with a credit utilization ratio below 30%.  If you only have 2 cards, closing 1 would reduce your credit diversity and thus lower your credit score.  You also want at least 2 years credit history, so closing an older credit card may shorten your credit history, again lowering your credit score.  You want to keep around at least 1-2 older cards, even if they are not the best. You have 4 cards: But having 2-4 cards (you have 4) means you can add a 5th, and then cancel one down to 4, or cancel one down to 3 and then add a 4th, for little net effect.  Still, there will be effect, as you have decreased the age of your credit, and you have opened new credit (always a ding to your score). Do you have installment loans (cars), you mention a new mortgage, so you need to wait about 3 months after the most recent credit activity to let the effects of that change settle. You want both spouses to have separate credit cards, and that will increase the total available to 4-8.  That would allow you to increase the number of benefits available.


Removing limescale is most adequately done by utilizing vinegar. There is basically no better fluid that is better to clean family unit things, for example, pot, taps, baths and showers. the limescale remover Compound items sold in the general store may guarantee to leave everything at home shining clean. In any case, anyone who has taken a stab at cleaning the glass in the shower of the taps in the shower will realize that they can invest a long energy scouring without evacuating the limescale.


As a permanent resident in the U.S. but not a citizen, I was told by a representative at Scottrade that I am not allowed to open a brokerage account.


Since October 26th the marketers of the Savoury-cluster (Unox, Knorr, Bertolli, Conimex and Cup-a-Soup) are interacting on Facebook with hundred consumers for three months. Unilever’s marketers talk about consumer eating habits, cooking- and buying behavior. They also research what consumers think of their products, brands and advertising.


"I would start with The Intelligent Investor.  It's more approachable than Security Analysis.  I read the revised edition which includes post-chapter commentary and footnotes from Jason Zweig. I found the added perspective helpful since the original book is quite old. Warren Buffet has called Intelligent Investor ""the best book about investing ever written.""  (Source)  I would suggest that endorsement ranks it before the other.  :) Security Analysis is more detailed and, perhaps, oriented at a more professional audience – though individual investors would certainly benefit from reading it.  Security Analysis is used as a textbook on value investing in some university-level business & finance courses. (p.s. If you haven't yet heard about William Bernstein's The Intelligent Asset Allocator, I also recommend adding it to your reading list.)"


Yes, you will need to create an actual account. However, when all is done and you are about to log in, there will be an option on whether you want to log in as a live trader or a paper trader. Select the paper trading option and log in and get rich off fake money.


Considering it's all to risky for me, outside of a blind 401k, just having money to try it with is a bigger risk than I'm willing to take.  I see this complaint a lot and my response is about the same every time, if you know of something better, please share, so next time we can make it more realistic.


"> but the other countries are just decline stage.  I think you have a typo. Could you please explain what you mean?  If I understand correctly, you are saying that the US produces ""value"" and other countries do not. As the US has tended to run a high deficit since the Reagan era (i.e. it increases its debt every year) this seems a contentious statement."


Your mortgage represents a negative cash flow of $X for N months. The typical mortgage prepayment doesn't reduce your next payment, but does reduce the length of the mortgage. If you look at the amortization table of a 30 year loan, you might see a payment of $1000 but only $50 going to principal. So if on day one you send an extra $51 or so to the bank, you find that in 30 years you just saved that $1000 payment. In effect, it was a long term bond or CD, yielding the post tax rate of the mortgage. Say your loan were 7%. At 7%, money doubles every 10 years or so. 30 years is 3 doubles or 8X. If I were to offer you $1000 and ask for $7500 in 30 years, you might accept it, with an agreement to buy me out if you refinanced. For me, that would be an investment. Just like buying a bond. In fact, there is a real return, as you see the cash flow at the end. The payments 'not made' are your payback.  Those who insist it's not an investment are correct in the strict sense of the word's definition, but pedantic for the fact in practice, the prepayment is a choice to be considered alongside other investment choices. When I have a mortgage, I am the mortgagor, the bank, the mortgagee. Same as a company issuing a bond, the Bank holds my bond and I'm making payments to them. They hold my bond as an investment. There is no question of that. In fact, they package these and sell them as CMOs, groups of mortgages. A pre-payment is me buying back the last coupon on my mortgage. I fail to see the distinction between me 'buying back' $10K in future coupons on my own loan or me investing $10K in someone else's loans.  The real question for me is whether this makes sense when rates are so low. At 4%, I'd say it's a matter of prioritizing any high rate debt and any other investments that might yield more. But even so, it's an investment yielding 4%.  Over the years, I've developed the priorities of where to put new money - The priorities are debatable. I have my opinion, and my reasons to back them up. In general, it's a balance between risk and return. In my opinion, there's something wrong with ignoring a dollar for dollar match on the 401(k) in most circumstances. Others seem to prefer being 100% debt free before saving at all. There's a balance that might be different for each individual. As I started, the mortgage is a fixed return, with no chance to just get it back if needed. If your cash savings is pretty high, and the choice is a .001% CD or prepay a 4% mortgage, I'd use some funds to pay it down. But not to the point you have no liquid reserves.


"China's chief central banker warned markets are fully valued and therefore susceptible to a drastic price correction -  triggered by a wide-spread, simultaneous reversal of opinion in the markets. Basically the point when the ""Greater Fool"" phenomenon ends and and selling pressure spikes as everyone starts getting out because they think everyone is. Simplified af but thats the laymen interpration of a minsky moment."


Check out the bulk stores like BJs, Sam's Club or whatever else is available to you.  You can definitely save money shopping there but you also need to keep your wits about you as well.  Example, if you're buying in bulk only to let food go to waste, obviously that's not good either...


Free market wages on top of living wage?  UBI doesn't dictate that all forms of payment be stopped, just that the govt provides costs of living in the form of either a weekly check, or as your tax refund with a basic of CoL deducted on top of your work related purchases.  The free market can expand all it wants on top of that, it's just that now everyone has a fallback when the free market contracts as it inevitably will because infinite growth only works if you have infinite resources to fuel infinite growth.


The real test of AAA's analysis is whether other insurers follow suite. Setting insurance rates is a balancing act between being high enough to make money given the expected payouts, and being low enough to not get undercut by competitors. If other insurers follow AAA's lead, then their analysis is probably right. If other insurers stay low than AAA probably made a mistake. When you price insurance on a given car it's not uncommon to have an outlier that overpriced that car.