"Doomed is the word I wouldn't say about this.  Hollywood has been producing shitty movies (which is why nobody goes to movie theaters anymore) and it's harder to find movies to go to that are worth it.  Sure... There are an increasing amount of movies like ""Get Out"" and ""Moonlight"" and even ""Logan"" that are smart, insightful and fun to watch but with those movies comes movies like another Marvel Cinematic Universe film or a comedy film featuring Seth Rogen or some action movie like ""Independence Day: Resurgence"".  Hollywood used to rely on people going to movies without knowing if it was good or not to earn back their money. Now that we have Rotten Tomatoes which gauges critic and user reaction and easy access to rent movies that used to be in theaters; Hollywood should have incentive to make better movies but they still make 80% shit, especially considering that streaming movies does not make a movie studio a lot of money then when it's in theaters.  Movie theater operators are shaking in their boots because of the threat that the digital age poses... ""Why go to a theater and waste money on crap when you can wait for it at home?""  MoviePass is quite possibly the movie theater chain's only hope at remaining relevant. I still feel like I'm able to watch a movie in a comfy environment with unique experiences in a theater and I feel like the theater is the only place where the audience is engaged and interacting with each other. It would be a shame to lose that in exchange for movie watching where it's all done solo. It's okay but it's not as fun as a theater experience.  MoviePass offers the best concessions for the best deals. I don't mind having to pay near the theater and I don't mind that my data is being given to analytic companies; Hollywood needs to know that I and others like so and so and that data I'm hoping can be used to make better movies. The thing that'll hinder MoviePass' chances of success is some holdouts.  AMC isn't holding out because they think it'll do harm to their business; far from it... Their ticket prices are $12 for a regular film, similar to all the other chains and they make alot of money from overpriced concessions anyway. (with the exception of the fancy food they're adding in their theaters)  AMC's intention is to create a more expensive subscription service for the sole reason of hoarding most of the profit; MoviePass is good in that the data can be used to improve movies, AMC is bad in that it's going to be no different than MoviePass with the exception of some perks relating to food and seating. If they could do something and add IMAX and 3D as upgrades to the subscription service then it won't be as bad as it seems (maybe even convince MoviePass to do the same) but AMC's move is solely profit based and not in any way a reaction to possible harm.  I found out my theater is supported by MoviePass so I'll gladly pay the $10 to see what the hype is all about. In a world where fragmented streaming services don't allow me to get the movies easily after they're in theaters and Hollywood movies are getting worse; this might be the answer Hollywood needs."


It tells you more about some of the convoluted rules put in place by FDA and ither regulatory agencies. It's next to impossible to introduce a true generic competitor. Really not a issue with the insurer as they must cover stuff only approved via the Fed agencies.


Start by going onto google.com/finance and click through every publicly traded Fortune 500 company. Click on all their charts and look through their graphs for any patters. There will almost always be a pattern even if it is vague and fairly unpredictable. Then look for any jumps or drops in price. Look for the reason of the jump or drop. It could range commonly from news, lay off announcements, acquisitions, etc or just moving along with the market direction for the day. Looking at each stock is key because every stock has its own pattern. Trying to understand the market at a whole is quite impossible, but when you narrow it down to just one stock, it is much more doable. For practice, try updown.com(spent most of my time on it during high school) and create 10-100 accounts and use various techniques for each portfolio.   Just from that, you will have much more practice than the majority of traders. It is all very time consuming, but if you truly try on it, you will do better. I have to go(large market drop today, good time to buy).  I'll answer more questions later!


"I'm sorry to hear you've made a mistake. Having read the contract of sale we signed, I do not see any remedy to your current situation.  However, I'm interested in making sure I do not take advantage of you.  As such, I'll return the vehicle, you can return my money plus the bank fees I paid for the cashiers check, tax, title, and registration, and I will look at buying a vehicle from another dealership.   This seems to be the most fair resolution.  If I were to pay for your mistake at a price I did not agree to, it would not be fair to me.  If you were to allow this vehicle to go to me at the price we agreed to, it wouldn't be fair to you.  If I were to return the car and begin negotiations again, or find a different car in your lot, it would be difficult for us to know that you were not going to make a similar mistake again. At this point I consider the sale final, but if you'd prefer to have the vehicle back as-is, returning to us the money we gave you as well as the additional costs incurred by the sale, then we will do so in order to set things right. Chances are good you will see them back down.  Perhaps they will just cut the additional payment in half, and say, ""Well, it's our mistake, so we will eat half the cost,"" or similar, but this is merely another way to get you to pay more money.   Stand firm.  ""I appreciate the thought, but I cannot accept that offer. When will you have payment ready so we can return the car?"" If you are firm that the only two solutions is to keep the car, or return it for a full refund plus associated costs, I'd guess they'd rather you keep the car - trust me, they still made a profit - but if they decide to have it returned, do so and make sure they pay you in full plus other costs.  Bring all your receipts, etc and don't hand over the keys until you have the check in hand. Then go, gladly, to another dealership that doesn't abuse its customers so badly. If you do end up keeping the car, don't plan on going back to that dealership.  Use another dealership for warranty work, and find a good mechanic for non-warranty work. Note that this solution isn't legally required in most jurisdictions. Read your contract and all documentation they provided at the time of sale to be sure, but it's unlikely that you are legally required to make another payment for a vehicle after the sale is finalized.  Even if they haven't cashed the check, the sale has already been finalized. What this solution does, though, is put you back in the driver's seat in negotiating.  Right now they are treating it as though you owe them something, and thus you might feel an obligation toward them.  Re-asserting your relationship with them as a customer rather than a debtor is very important regardless of how you proceed. You aren't legally culpable, and so making sure they understand you aren't will ultimately help you. Further, dealerships operate on negotiation. The primary power the customer has in the dealership is the power to walk away from a deal. They've set the situation up as though you no longer have the power to walk away.  They didn't threaten with re-possession because they can't - the sale is final. They presented as a one-path situation - you pay.  Period. You do have many options, though, and they are very familiar with the ""walk away"" option.  Present that as your chosen option - either they stick with the original deal, or you walk away - and they will have to look at getting another car off the lot (which is often more important than making a profit for a dealership) or selling a slightly used car. If they've correctly pushed the title transfer through (or you, if that's your task in your state) then your brief ownership will show up on carfax and similar reports, and instantly reduces the car's worth.  Having the title transfer immediately back to the dealership doesn't look good to future buyers. So the dealership doesn't want the car back.  They are just trying to extract more money, and probably illegally, depending on the laws in your jurisdiction. Reassert your position as customer, and decide now that you'll be fine if you have to return it and walk away. Then when you communicate that to them, chances are good they'll simply cave and let the sale stand as-is."


"This is the best tl;dr I could make, [original](https://phys.org/news/2017-06-fractal-patterns-yeild-optimal-harvests.html) reduced by 85%. (I'm a bot) ***** > The resulting fractal patterns are rare for man-made systems and lead to optimal harvests without global planning.  > As a result of this constraint, fractal planting patterns emerge, which yield close to maximal harvests.  > &quot;The remarkable finding is that this optimal situation arises without central planners or coordination. Farmers interact locally and take local individual free decisions, which they believe will optimize their own harvest. And yet the global system works optimally,&quot; says Lansing.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6gikun/fractal_planting_patterns_yield_optimal_harvests/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~141298 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*: **farmers**^#1 **plant**^#2 **system**^#3 **patterns**^#4 **rice**^#5"


>Monthly fee > one time charge.  That worked if they owned the content but Tivo wanted the monthly fee to access content someone else provided. The small convenience is largely overridden by the unnecessary overhead. Once a show is chosen, the utility of the DVR ends for most people.  This would be the equivalent of Google charging a monthly fee for its search engine. People would immediately exit in droves to Bing and Yahoo, however inferior the experience.


This *actually* shows the power ***of being a first-mover in a niche market***.  This has nothing to do with how the firm was run.  When you are the first one in, you have, in effect, a monopoly (as there's now a humongous barrier-to-entry for everyone else)...  They could run the firm into the ground, and they'll still be around in 10 generations...


To be honest I do agree with you that Disney has by far the most.  Some other franchises that come to mind for me are James Bond, Transformers, DC. Do X-Men and Lord of the Rings count?  I know DC and Transformers are shit films, but they still draw huge audiences and make a lot of money.


And where is the money going from these collections? I hope this doesn't become some money collecting scheme that doesn't do much to help the environment.  If it's being collected by any government organization, most likely the money will first pay the salary of some goddamn bureuocrat.    Would be best if the money went to some scientific organization or to scientists or researchers...wishful thinking probably


It seems to me that oil will never again reach or exceed $100 a barrel.  The rate at which we are abandoning fossil fuels means we will never ever run out of the stuff. Demand will continue to decrease, and electric cars will be the first cars that are owned by the people in emerging markets in the next decade.  And in a decade from now, 90% of all new cars will be purely electric.  Beyond that, Fusion research on multiple fronts (but not ITER -  that will never ever produce a plan for a viable power station) points to total destruction of coal and gas as a fuel for power stations. And when they come online, you don't even need to build new power stations! All you do is build banks of reactors in the car park, hook up the steam pipes to the new reactors, and then bulldoze the old furnaces. Job done.


"**Alt du behøver at vide om at købe en bolig i Europa**  Tre år siden, mens du besøger venner i den vinproducerende Languedoc-Roussillon-regionen i Sydfrankrig, Timothy McDonald besluttede han ønskede, hvad de havde: en chance for at opleve lille-bysliv i hvad beskrives somme tider som en uspoleret og mere økonomisk overkommelig udgave af Provence. Et år senere McDonald og hans kone, Kathleen Brooker, tog en pant på deres indbetalte Seattle hjem og plunked ned $200.000 i kontanter for en 1400-tals tidligere shop hus i de fjerntliggende landbrugs landsby af Azille (indb. 1.100), 90 minutter fra Toulouses lufthavn. Par, begge i deres tidlige 60 ' erne, planlægger at tilbringe flere måneder om året, når hun går på Pension en dag fra sit job som administrerende direktør for historiske Seattle. (McDonald, en semiretired arkitektonisk preservationist, allerede bruger en måned ad gangen der.)  Mens nogle aldrende boomers kan sætte en præmie på bekvemmelighed eller et sted, der kan rumme fremtidige fysiske begrænsninger, inkluderet McDonald og Brooker købt i en by uden selv en togstation og fra en entreprenør hvis tanken om smagfuld renoveringer fjernelse gelænder på den smalle trappe af den tre-etagers sten struktur. Og hvorfor ikke? De er fit bikers, løbere og historie buffs, der bekymrer sig mere om byens nærhed til katharernes romansk websteder og nyder deres franske, britiske og schweiziske naboer. ""Vi ønskede at have en større liv, snarere end at have en større hjem i USA, og ironisk nok vi fandt det i en lille [fransk by](http://www.forbes.com/sites/deborahljacobs/2012/11/21/everything-you-need-to-know-about-buying-a-home-in-europe/),"" siger Brooker.  Naturligvis, har amerikanske milliardærer og berømtheder altid levet store i Europa. Microsoft medstifter Paul Allen holder efter sigende en stab på 12 på sin bakketop villa i St. Jean Cap-Ferrat, langs Côte d'Azur. George Clooney 30-værelse palazzo på Italiens Comosøen har medvirket i mange A-list parter.  Men en svagere euro, lave renter og bryder priserne på [fast ejendom](http://manhattanvillage.info/) i dele af euroområdet er at spørge mere almindelige amerikanske eurofile at kigge på at købe et stykke af den gamle verden."


"The answers so far are excellent. I need to respond to your 8-9% withdrawal rate. Uh, wherever you heard that, I'd suggest you listen/read elsewhere. 4% seems to be the ""safe"" withdrawal rate. I've seen people who were convinced that 7-10% were ok get absolutely trashed in the downturns, both 2000 and 2008. Proper asset allocation and low withdrawal rate will help avoid disaster. I wrote an article about the assumptions we make, looking at 1980-2000 and extrapolating from there. Not pretty. In 2000, I remarked that the near 20%/yr couldn't continue. Understatement of my life. I expected a return to normalcy, maybe 8-10%/yr, and got zero."


"I'll assume you live in the US for the start of my answer - Do you maximize your retirement savings at work, at least getting your employer's match in full, if they do this. Do you have any other debt that's at a higher rate?  Is your emergency account funded to your satisfaction? If you lost your job and tenant on the same day, how long before you were in trouble?  The ""pay early"" question seems to hit an emotional nerve with most people. While I start with the above and then segue to ""would you be happy with a long term 5% return?"" there's one major point not to miss - money paid to either mortgage isn't liquid. The idea of owing out no money at all is great, but paying anything less than ""paid in full"" leaves you still owing that monthly payment. You can send $400K against your $500K mortgage, and still owe $3K per month until paid. And if you lose your job, you may not so easily refinance the remaining $100K to a lower payment so easily.  If your goal is to continue with real estate, you don't prepay, you save cash for the next deal. Don't know if that was your intent at some point.  Disclosure - my situation - Maxing out retirement accounts was my priority, then saving for college. Over the years, I had multiple refinances, each of which was a no-cost deal. The first refi saved with a lower rate. The second, was in early 2000s when back interest was so low I took a chunk of cash, paid principal down and went to a 20yr from the original 30. The kid starts college, and we target retirement in 6 years. I am paying the mortgage (now 2 years into a 10yr) to be done the month before the kid flies out. If I were younger, I'd be at the start of a new 30 yr at the recent 4.5% bottom. I think that a cost of near 3% after tax, and inflation soon to near/exceed 3% makes borrowing free, and I can invest conservatively in stocks that will have a dividend yield above this. Jane and I discussed the plan, and agree to retire mortgage free."


Do you get time and half on the overtime? If you give that up you're going to take a decent hit on overall income. You'll also decrease income because benefit costs are likely to be double or more.   I've been in retail customer service. It rough. Just try to get through it, make the best of things and move on to something else with more overall benefits.


I can only address this part of it: For instance with a 10k net income, 9293 is the limit for 401k from employee. How is this calculated? I believe this limit is total for all sources too, which I'm confused about. How it's calculated is that when you are self-employed you also pay the employer portion of the FICA taxes.  This comes off above the line and is not considered income.  The 401k contribution limit takes this into account.


This means that if your capital under my management ends up turning a profit, I will keep half of those profits, but if I lose you money, I will cover half those losses. The bold part is where you lose me. This absolutely exists with the exception of the loss insurance.  It just requires a lot more than the general retail consumer investor has to contribute.  Nobody wants to take on the responsibility of your money then split 50% of the gross proceeds of your $10,000 (or whatever nominal amount of money you're dealing with) investment and return it all to you after a year.  And NO money manager will insure that the market won't decline. Hedge funds, PE Firms, VC Firms, Investment Partnerships, etc all basically run the way you're describing (again without your loss insurance).  Everyone's money is pooled and investments are made.  Everyone shares the spoils and everyone shares the losses.  And to top it off, the people making investment decisions have their money invested in the fund.  All of them have to pay rent and accountants and other costs associated with running the fund and that will eat in to the proceeds to some degree; because returns are calculated on net proceeds. With enough money you can buy yourself in to a hedge fund, for the rest of us there are ETFs and other extremely fee-reasonable investment options.  And if you don't think the performance and preservation of assets under management is not an incentive to treat the money with care you're kidding yourself (your first bullet point). I'll add that aside from skewing the manager's risk tolerance toward guaranteed returns I doubt you would fair favorably over the long term compared to simply paying even an egregious 1% expense ratio on an ETF.  If you look at the S&P performance for 10 or 20 or however many years, I'd venture that a couple good years of giving up half of your gains would have you screaming for your money back.  The bad years would put the money manager out of business and the good years would squander your gains.


I wonder if these two concepts are compatible or mutually exclusive:  * The minimum wage should provide a decent living standard above the poverty line * We should have as close to zero unemployment as possible  If those two statements are not compatible with each other, then I don't see how prohibiting eligible members of the workforce from an opportunity is at all desirable.  Yes, this would mean that some individuals would be earning less money than it would take to make a decent living, but those individuals know who they are -- we don't.  Which means that they have the ability to make choices concerning their lives that we shouldn't try to anticipate.  If minimum wage is not a decent wage for what they need, they need to adjust their situation to change that.  Minimum wage was never intended to be a livable wage, only the lowest amount you could pay someone.  I would argue that if someone has been stuck earning minimum wage for more than 2 years, they're doing something wrong.  Either they're not trying to advance, or they're not looking for a better job.


NERDS!    Don't get distracted with meaningless stats.  I am talking about I.Q., standardized test scores, grades and the like.  If they were not specifically designed to get smart people to spin their wheels with absolutely no meaning they may as well have been.


This is exactly what they are doing.  Examples would be the BRICS trading bloc and the ASEAN equivalent.  Along with the trade agreements that many countries have made with Iran, all of which completely bypass the American Dollar.    America needs to recognize that for many countries in the world, dumping their excess reserves in US Treasury Bonds is not in their best interest any longer.  Especially considering the fiscal situation in the US, and the policies that are used to manipulate bond rates.  (These policies are cross aisle, this is not a political statement)  American Imperial might is finite.  Americans ignore this at their own peril.  Edit: I would also add the regulatory and legal uncertainty in the US is also a problem.  By that I mean things like MF Global, Peregrine Financial, Knight Capital among others.


Don't you think the fact that most of the world's wealth is concentrated in that top 1% has *something* to do with that? The fact is neoliberal, supply side policy does not work in part because people horde capital. I do not blame anyone for banking money, but I do believe tax policy should reflect human behavior.


"This is just a whining piece of garbage.  Know where I can buy a buggy whip?  Good paying jobs ate the post office would be great, but the internet has made it much less needed, menial work.  Oh, and note the fact that it's the ""retiree health benefits"" that are being chopped. That is part of the public sector pension that I wish I got."


For example, it is not allowed to buy flood insurance at peak flood season and then cancel it when it is over. They are not offering this right now. So it would be interesting to see if they offer this and how they offer this. For example, you can insure your camera for a week when you are going on vacation. They call it on-demand insurance. They segment Trov is targeting consumer electronics. More often people don't take insurance in this segment as the insurance cost is high and benefits low. However if going on vacation, most are afraid of loosing / damaging equipments. Generally although we are afraid, most often nothing happens. It is this segment; you make the insurance cheap and easy to buy and create a new segment.  Insurance fraud detection is an important part of insurance process such that insurance companies allocate a lot of resources to detect improper insurance claims. The website does not mention how they process claims. Although it looks easy, they may have a more stringent process. For example what is stopping me from buying an insurance after event; i.e. break my phone Monday, buy insurance on Monday and make a claim on Tuesday saying the phone broke on Tuesday.


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There is some truth to this. But the reverse could be seen as Apple. Where they did this, and it blew up until they gave it back to Jobs.  Similarly, Bezos seems to be doing a good job as CEO. Gates and Ellison also were pretty successful!  I agree though that when companies start to get major investors/go public, there should be some planning/thought to see if the Founder/CEO is actually a CEO type


You're going to have to guess where your income will fall once you retire.  If it's low enough, then a 401(k) or traditional IRA (where the taxes are deferred until retirement) would be the smarter choice. If your projected income is higher (usually the case for people in their 20s or people with larger amounts invested), then the ROTH makes sense because of the tax free growth.


"My two cents: I am a pension actuary and see the performance of funds on a daily basis. Is it normal to see down years? Yes, absolutely. It's a function of the directional bias of how the portfolio is invested. In the case of a 401(k) that almost always mean a positive directional bias (being long). Now, in your case I see two issues: The amount of drawdown over one year. It is atypical to have a 14% loss in a little over a year. Given the market conditions, this means that you nearly experienced the entire drawdown of the SP500 (which your portfolio is highly correlated to) and you have no protection from the downside. The use of so-called ""target-date funds"". Their very implication makes no sense. Essentially, they try to generate a particular return over the elapsed time until retirement. The issue is that the market is by all statistical accounts random with positive drift (it can be expected to move up in the long term). This positive drift is due to the fact that people should be paid to take on risk. So if you need the money 20 years from now, what's the big deal? Well, the issue is that no one, and I repeat, no one, knows when the market will experience long down moves. So you happily experience positive drift for 20 years and your money grows to a decent size. Then, right before you retire, the market shaves 20%+ of your investments. Will you recoup these damages? Most likely yes. But will that be in the timeframe you need? The market doesn't care if you need money or not. So, here is my advice if you are comfortable taking control of your money. See if you can roll your money into an IRA (some 401(k) plans will permit this) or, if you contribute less that the 401(k) contribution limit you make want to just contribute to an IRA (be mindful of the annual limits). In this case, you can set up a self-directed account. Here you will have the flexibility to diversify and take action as necessary. And by diversify, I don't mean that ""buy lots of different stuff"" garbage, I mean focus on uncorrelated assets. You can get by on a handful of ETFs (SPY, TLT, QQQ, ect.). These all have liquid options available. Once you build a base, you can lower basis by writing covered calls against these positions. This is allowed in almost all IRA accounts. In my opinion, and I see this far too often, your potential and drive to take control of your assets is far superior than the so called ""professionals or advisors"". They will 99% of the time stick you in a target date fund and hope that they make their basis points on your money and retire before you do. Not saying everyone is unethical, but its hard to care about your money more than you will."


Thanks man. I finished my PhD 8 years ago. I just can't see myself doing IB and having a family. The two seem totally incompatible. I'm starting to think that this is all just a really impractical and fanciful notion.


This has happened here in Austin, Texas. If the apartment doesn't have one, you can ask to have one installed and some will either do it or will do it if you pay for some of it (about the same price as installing the wall charger in a house)


And I'm not sure what you mean by big money. I have no plans to try and be some multi millionaire CEO, but I would like to make a nice living. For me that means in the 6 figures, even if it's on the lower end of that.


Time to look at a tax table.  A retired couple hits the top of the 15% bracket with an income of $96,700. (I include just the standard deduction and exemptions.) The tax on this gross sum is $10,452.50 for an 'average' rate of 10.8%.  This is what 2 answers here seem to miss, and the 3rd touches, but doesn't keep going.  The tax, paid or avoided, upon deposit, is one's marginal rate. But, at retirement, the withdrawals first go through the zero bracket (i.e. the STD deduction and exemptions), then 10%, then 15%.  The Roth benefit is maximized  In the end, to choose between Traditional or Roth, one would have to have far more details regarding the person's financial situation. The right choice is rarely 100% known except in hindsight.


That is the maintenance margin required for that position.  Whenever you trade using your margin account, you must (by law, and also separately often by stricter policies from the brokerage) have a certain percentage of equity - at least 25%, often higher.  That protects the brokerage from significant losses if your position drops in value significantly (hopefully preventing the brokerage from failing outright in the event of a major collapse).  If the amount of equity falls below the maintenance requirement, you will have a margin call and be required to put some cash (or equity) into the account to maintain that level. See Maintenance Margin definition on Investopedia for more information.


They are so erotic and appealing in appearance that the level of their erotic appeal can be felt by just watching them walking towards you and biting their lips. I am sure just seeing this sexual inviting activity, all your sleeping senses will be awakened and excited.


"Short answer:  No. Longer answer:  The only reason to move would be to get out of the condo and into a SFR of equal cost because condos can be quite difficult to sell and you don't really want that potential burden later on.  Moving is expensive though and you can't afford to spend more when you are already living on the financial edge. Speaking of living on the edge, that's a recipe for disaster.  I make, ratio-wise, a similar sort of income.  Even accounting for the generous college tuition, you should be able to save at least $20K per year...at a bare minimum.  And if you were careful, I figure you should be able to save $40K/year.  You need to figure out where you are dumping all of your money and cut WAY back on spending and focus entirely on saving money. 1)  Stop eating out.  Make your own meals.  I average about $2 per meal per person - no junk food.  Eating out is 6 to 30 times as expensive as making meals at home.  Do the math:  $10 * 2 people * number of times you eat out per week * 52 ($1,040 per year for each time/week!) vs $2 * 2 people * 21 (3 meals per day) * 52 ($4,368 per year for both of you...maximum).  Now I know some meals are more expensive to prepare, but the math is not unrealistic - I spend about $140 per month on groceries and make the bulk of my own food.  Eating out is sticker shock for me.  The food I prepare is nutritionally balanced and complete.  Now I'm not a complete health-nut.  I love the occasional deep-fried treat or hamburger, but those are ""once every couple of months"" sort of things, which makes them special. 2)  Stop going to Starbucks or wherever you habitually go.  It takes fuel to get there.  It's also expensive when you get there.  Bring your own drink if you are hanging out with friends. 3)  Drop golf.  Or whatever expensive sport you are sinking money into.  Invest in some cheap running clothes and focus on cardio-based workouts.  Heart health is more important than anything else.  If you can't live without your sport, then find an alternate sport that is ""equal""-ish in challenge but a ton cheaper to play.  For example, if you like playing golf, play discgolf instead (most cities have courses) - there's no cost beyond a couple of discs and the challenge is still there. 4)  Drop entertainment.  Movies at the theater are expensive.  Drop your cable subscription (you are getting financially raped for $1,500/year).  Get a Netflix subscription and find shows via free online streaming services.  Buy some dominoes, card games, and a couple of classic board games.  Keep entertainment simple and cheap. 5)  Drop your cell phone's data plan.  Republic Wireless is the only decent cellular provider and even their $12/month plan is living a luxury lifestyle.  If you spend more than $10/month/person for phone service, you are spending too much. 6)  Stop driving everywhere.  Gas is expensive.  Cars are expensive.  If you have more than two cars, sell the extras.  If your car is worth more than $20,000, sell it and get something cheaper. 7)  Stop drinking alcohol.  Alcohol impairs mental functions, is addictive, smells terrible, and is ridiculously expensive.  There's no actual need to consume it either. By the way, don't go and make major financial changes without the wife's sign-off.  Finances are the #1 reason for divorce.  So get her ""OK"" on this stuff.  Hopefully you already knew that.  The above are just some common financial pitfalls where people sink thousands and thousand of dollars and gain nothing.  You can still have a full and complete life with just a minimum of the above. There is no excuse for living on the edge financially.  Your story is one I'm going to share with those who give me the same excuse because they are ""poor"".  You are ""I want to punch you in the face"" wealthy and you spend every last penny because you think that's how money works.  You are wrong. One final piece of advice:  Find a financial adviser.  It is clear to me that you've been managing money wrong your whole life.  A financial adviser will look at your situation and help you far more than someone on the Internet ever can.  If you attend a church, many churches have the excellent Crown Financial Ministries program available which teaches sound financial management principles.  The education system doesn't show people how to manage money, but that's not an excuse either.  Once you dig yourself out of the financial hole you've dug for yourself, you can pass the knowledge on how to correctly manage money onto other people."


Not the guy you asked, but I'll answer anyway. Each of us has to decide what is most important to us. If it's money, you wouldn't be asking. If it's being a respectable person with integrity, then you must accept that all things have a price. The good part about sacrificing quick money to maintain integrity is that your name and brand will grow in value as a result. Build your reputation for quality and honesty and reap the benefits over time. They will come. Do not compromise your integrity, because once it is damaged it is very hard to repair it.


I think increasing funding to public colleges are an -okay- thing to do.  Certainly it is better than the current system which guarantees student loans to benefit the bankers.  So, we're talking about two different kinds of subsidies: one directly for schools and one for bankers.  While ideally, I'd like to see no government involvement whatsoever, I can compromise as long as bankers are bearing the full risk of their student loans.  The student loan system is what is bubbling up tuition prices, very similar to what happened in housing.


Time premium is the difference between the market value of the option and its intrinsic value the amount you would get if it expired right now.  Lets think about three cases for buying call options: Purchasing put options works similarly but in reverse.


Bond information is much tougher to get.  Try to find access to a Bloomberg terminal.  Maybe you have a broker that can do the research for you, maybe your local university has one in their business school, maybe you know someone that works for a bank/financial institution or some other type of news outlet.   Part of the reason for the difference in ease of access to information is that bond markets are dominated by institutional investors.  A $100 million bond issues might be 90% owned by 10-20 investors (banks, insurance co's, mutual funds, etc.) that will hold the bonds to maturity and the bonds might trade a few times a month/year.  On the other hand a similar equity offering may have several hundred or thousand owners with daily trading, especially if it's included in an active stock index. That being said, you can get some information on Fidelity's website if you have an account, but I think their junk data is limited.  Good luck with the hunt.


In a simple case as the sole UK resident director/shareholder of a company, with that company as your only income, you are usually best paying yourself a salary of the maximum tax free amount allowed under your tax code (~£11k for most people at present).  On this you will have to pay some employer and employee National Insurance (NI) contributions (totalling around £1000). Your salary/employer NI counts as an expense, so that is taken off the company profits.  You then pay corporation tax on the remainder (20%).  The first £5k you take as dividends is tax free, the remainder at a lower tax rate than the equivalent combined income tax/NI (starting at 7.5% instead of 20% tax plus employee plus employer NI), giving a significant saving compared to salaried income even after corporation tax. To declare and pay the tax, you would need to complete a self-assessment tax return.  Your company will also need to file a return. The Contractor UK website, although aimed at IT contractors, has some very useful information on operating Ltd companies. That said, finances are rarely that simple so I would concur with the recommendation you engage an accountant, which is a tax-deductible expense.


> **In per capita terms, the state is middle-of-the-pack, with $13,083 owed by every man, woman and child.** The report by State Budget Solutions shows that while Texas isn’t so profligate as the other large states, neither is it “the nation’s shining example for fiscal responsibility,” as a spokesman for Attorney General Greg Abbott recently put it.  **Combined, the 50 states have run up $5.1 trillion in debt to pensioners and retirees, as well as bondholders and the federal government, according to the report. That doesn’t include $3.7 trillion in outstanding municipal bonds nationwide.**  Debt to pensioners, retirees, bondholders and the fed is debt that the state government itself creates in other words the big government politicians. **Per capita debt is middle-of-the-pack and economic performance of Texas is still better than most other states. Personal Income Growth By State is one of the highest in Texas as well as [Percentage Change of Real GDP](http://www.bea.gov/newsreleases/regional/gdp_state/2014/_images/gsp_0614.png) 3.7% compared to California 2% and New York 0.7% in 2013** (US Bureau of Economic Analysis). The economy of Texas outperforms high taxing and regulating states.


Drinking is debatable, alcoholism is net negative, drunk driving is net negative. Alcohol on its own doesn't kill. It's not quite the same as cigarettes. Maybe we just start with products that kill, that way the moral question isn't so blurry?


It's sad.  My mother lost her job after a brutal divorce.  BOA bought up Countrywide, then when my mother pleaded for assistance BOA said they could not help her unless she was behind/in default of her mortgage.  She tried to do a deed-in-lieu with a lawyer and BOA refused to accept the deed-in-lieu many times.  Then BOA sold her mortgage to Green Tree (?) and they refused her deed-in-lieu as well.   This went on for over 2 years and they foreclosed on the house.  I told my mother to sue because they should have accepted her deed-in-lieu because it was approved by the court in her bankruptcy but she was tired of trying to save her house that she just walked away.  6 months after she left and moved in with my sister Green Tree called her offering a refinance at a lower rate and a mortgage payment that was less than a typical car payment.  Now 5 years later my mom is just going to pay cash for her house and never do a mortgage again.


I think it's safe to say that Apple cannot grow in value in the next 20 years as fast as it did in the prior 20. It rose 100 fold to a current 730B valuation. 73 trillion dollars is nearly half the value of all wealth in the world.  Unfortunately, for every Apple, there are dozens of small companies that don't survive. Long term it appears the smaller cap stocks should beat large ones over the very long term if only for the fact that large companies can't maintain that level of growth indefinitely.  A non-tech example - Coke has a 174B market cap with 46B in annual sales. A small beverage company can have $10M in sales, and grow those sales 20-25%/year for 2 decades before hitting even $1B in sales. When you have zero percent of the pie, it's possible to grow your business at a fast pace those first years.


Appear smart.  Seriously.     Don't talk about finance or ibanking because you don't know anything he doesn't and the odds of you sounding simplistic or stupid are high.     Look like a go getter and someone he would want to work with.  There are going to be 1000's of kids with resumes that are the same or better than yours, a resume is what gets you in the door (probably got this meeting) but being someone people want to work with gets you the job.     TL: DR - Don't be a douche


> Fiber to everyone's home, absolutely massive funding of clean energy research and projects, combat infrastructure decay, etc etc.  I don't disagree with this, but I'd rather the government created contracts with private companies and started up more private businesses and innovation. The nationalization of fiber optic networks to everyone's home is troubling to me.


"One practical application would be to protect yourself from a ""flash crash"" type scenario where a stock suddenly plunges down to a penny due to transient market glitches. If you had a stop-loss order that executed at a penny (for a non-penny stock) it would be probably be voided by the exchange, but you might not want to take that risk."


Social Media has evolved and matured rapidly over the last 2-3 years and today is developing the way businesses are marketing their products and services to a wide yet highly selected viewers of online users. The early days of social media and the limited capabilities of platforms such as Facebook, LinkedIn, Tumblr, Pinterest, and Twitter meant that brands focused their social media marketing in dubai efforts around customer service and customer communication.  While these elements are still extremely important, the platforms now allow targeted communication via text and video that bring businesses closer than ever to both existing and potential customers.


"This is the best tl;dr I could make, [original](https://www.theguardian.com/environment/2017/jun/29/climate-change-income-inequality-environment) reduced by 88%. (I'm a bot) ***** > Climate change is likely to worsen existing inequalities in the US, with the poorest areas of the country poised to lose as much as 20% of their income by the end of the century if greenhouse gases are not significantly reduced.  > The new study, conducted by a trio of US universities and published in Science, warns that unchecked climate change will prove costly for the whole country.  > Donald Trump hasn&#039;t acknowledged an economic cost to climate change and has instead pulled the US out of the Paris climate agreement and started dismantling various environmental regulations with the stated goal of boosting growth.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6kcl4f/new_research_shows_that_by_2100_the_economic_loss/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~155623 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*: **Climate**^#1 **temperature**^#2 **change**^#3 **country**^#4 **research**^#5"


"@MrChrister - Savings is a great idea. Coudl also give them 1/2 the difference, rather than the whole difference, as then you both get to benefit... Also, a friend of mine had the Bank of Dad, where he'd keep his savings, and Dad would pay him 100% interest every year. Clearly, this would be unsustainable after a while, but something like 10% per month would be a great way to teach the value of compounding returns over a shorter time period. I also think that it's critical how you respond to things like ""I want that computer/car/horse/bike/toy"". Just helping them to make a plan on how to get there, considering their income (and ways to increase it), savings, spending and so on. Help them see that it's possible, and you'll teach them a worthwhile lesson."


">tax cuts for the rich cause economic harm to the public..  and  >the Republicans constantly use the stimulus of deficit spending as cover for them.  Cracking open a thesaurus and finding synonyms for the word ""bad"" doesn't address the issue.  Whether you say tax cuts are bad or harmful, it is the same statement.   I agree ""tax cuts are bad"" and your next statement which amounts to ""Republicans are bad"" are different conclusions.  They are not necessarily related any more than a bad carpenter choosing a bad hammer explains why each is bad.   Fair point if slightly... irrelevant.  It is irrelevant because it does nothing to address the problems with a one-sided narrative or to shift focus from evaluation into fact-based analysis."


No, if you are trading options to profit solely off the option and not own the underlying, you should trade it away because it costs more to exercise:


A Corporate Presentation whether it’s for sales, marketing or just giving statistical accounts report demands a certain level of confidence and perfectionism. Here are ways in which you can amp up your skills and get your content understood in the clearest manner.


Have you looked into GnuCash? It lets you track your stock purchases, and grabs price updates. It's designed for double-entry accounting, but I think it could fit your use case.


The real value of a share of stock is the current cash value of all dividends the owner will receive, plus the current cash value of the final liquidation if any.  Since people with different needs may judge the current cash value of an income stream differently, there would be a market basis for people to buy and sell stocks even if everyone could predict all future payouts perfectly. If shareholders knew that a company wouldn't pay any dividends until it was liquidated in the year 2066, whereupon it would pay $2000/share, then each share would in 2016 effectively be a fifty-year zero-coupon bond with a $2000 maturity value.  While some investors would be willing to trade in such an instrument, the amount of money a company could charge for such an instrument would be far lower than the money it could charge for one with payouts that were more evenly distributed through time. Since the founders of most companies want their companies to be around for a long time, that would mean that shareholders would have no expectation of their shares ever yielding anything of value within any foreseeable timeframe.  Even those who would be more interested in share-price appreciation than dividends wouldn't be able to see share prices rise if there wasn't any likelihood of the stock being bought by someone who wanted the dividends.


Basic utilities like water and electricity are highly regulated.  The price is set by a certain and small amount above cost, which is audited at several layers by government and private entities.  I'm just not sure why someone would be so far from reality, I apologize if my response jarred you.


If you buy puts, there are no guaranteed proceeds though.  If you short against the box, you've got immediate proceeds with a nice capital loss if it doesn't work out.  Conversely, you could write a covered call, take the contract proceeds, and write off the long position losses.  Nobody ever factors tax consequences into the equation here.


"Most directly and most likely, it can hurt your credit score if you miss payments, since it's being reported regardless of whether or not it benefits you. This is a risk for you but a benefit for landlords, since it gives renters more incentive to actually make on-time payments. Secondarily, there's a small risk that Credit Ladder or one of their partners makes a mistake and you have to spend some time correcting it. They do seem to have reputable partners, so it's likely that mistakes can be corrected, at the cost of wading through customer support. Finally, it's important to look at where they get their money.  Credit Ladder charges directly for premium memberships - it appears that those are basically a sort of group discount thing. None of the benefits seem super awesome, but the cost is low enough that I think it could be worth it for some people. So that's one way to make money. Risk here = this service doesn't make enough money and they might phase out the free tier. Now, source of money #2 - your information. According to this source, ""within the Privacy Policy, the company states that [they] may use the personal information collected about you to “provide third parties with statistical information about our users – but this information will not be used to identify any individual user.” It’s not clear if this is the intended monetization of the company, it is a consideration to the user that this information may be sold."" Risk here = they might get hacked or they might sell your 'non-identifying' information. There's no details as to whether or not they are actually doing this, but they have the right to do so. If they got even 10% of the renters in UK using their service, then this data would be quite valuable."


"Dividends telegraph that management has a longer term focus than just the end of quarter share price.  There is a committment to at least maintain (if not periodically increase) the dividend payout year over year.  Management understands that cutting or pausing dividends will cause dividend investors in market to dump shares driving down the stock price.   Dividends can have preferential tax treatment in some jurisdictions, either for an individual compared to capital gains or compared to the corporation paying taxes themselves.  For example, REITs (real estate investment trusts) are a type of corporation that in order to not pay corporate income tax are required to pay out 95% of income as dividends each year.  These are not the only type, MLP (master limited partnerships) and other ""Partnership"" structures will always have high dividend rates by design. Dividends provide cash flow and trade market volatility for actual cash.  Not every investor needs cash flow, but for certain investors, it reduces the risks of a liquidity crisis, such as in retirement.  The alternative for an investor who seeks to use the sale of shares would be to maintain a sufficient cash reserve for typical market recessions."


You should actually contact the company, not just try to. There are ways to do this. For example, show up in person, send registered mail. All other advice is moot until you actually contact the company.


Older systems seem to have far better uptime & stability compared to newer versions of Windows.   My Windows 10 desktop seems to force a restart at least once a month, yet Windows 2k/98/95 would run for years without crashing.


"Who are the ""regular competitors"" of Netflix?  Is it the cable providers like Comcast?  Is it content providers like HBO?  I don't see Netflix ""destroying"" either of those, given that:  * Netflix rarely owns the content it's distributing; * Comcast owns the pipes for distribution, and; * HBO makes generally better stuff than Netflix, at least for now.  So what's your argument here, exactly?  Are you just pissed about having to make a choice to pay Netflix for a 100% discretionary service that you don't need to accept?"


When looking at buying and selling, you really need to look at the overall picture for the short term. What would the closing cost be? Would you pay a buyers agent, or use the sellers? Loan generation fees? All of these would add up, and would affect you timeline adversely. You are currently comparing you rent, versus your plain mortgage and taxes. You're missing the losses you could possibly incur, if you do not stay int he home for the long term. You also have to rememberer the possibility of the property not renting long term, can you swing two mortgages? Or a mortgage and a rent check?


"Forecasts of stock market direction are not reliable, so you shouldn't be putting much weight on them.  Long term, you can expect to do better in stocks, but obtaining this better expected return has the danger of ""buying in"" to the market at a particularly bad moment, leading to a substantially lower return.  So mitigate that risk while moving in a big piece of cash by ""dollar cost averaging"".  An example would be to divide your cash hoard (conceptually) into say six pieces, and invest each piece in the index fund two months apart.  After a year you will have invested the whole sum at about the average of the index for the year."


"There are two scenarios to determine the relevant date, and then a couple of options to determine the relevant price. If the stocks were purchased in your name from the start - then the relevant date is the date of the purchase. If the stocks were willed to you (i.e.: you inherited them), then the relevant date is the date at which the person who willed them to you had died. You can check with the company if they have records of the original purchase. If it was in ""street name"" - they may not have such records, and then you need to figure out what broker it was to hold them. Once you  figured out the relevant date, contact the company's ""investor relationships"" contact and ask them for the adjusted stock price on that date (adjusted for splits/mergers/acquisitions/whatever). That would be the cost basis per share you would be using. Alternatively you can research historical prices on your favorite financial information site (Google/Yahoo/Bloomberg or the stock exchange where the company is listed). If you cannot figure the cost basis, or it costs too much - you can just write cost basis as $0, and claim the whole proceeds as gains. You'll pay capital gains tax on the whole amount, but that may end up being cheaper than conducting the investigation to reveal the actual numbers."


"I agree that the education industry has screwed most young people by lying to them about the value of their education and with ""guaranteed"" high paying jobs.   However, the students made their informed decisions and now need to deal with it.  Will it impact us?  Probably but we can't reinforce a behavior that constantly bails people out of situations of their own making and that of their parents.    Parents should be providing better guidance to their children but in many cases they have their ego and bragging rights tied up in this as well.  The Education marketing arms promote the belief that you are a great parent if your child goes to an expensive university.  I can't tell you how many parents I have heard spouting off about the fact their daughter or son are going to this university or that university.  Five years later, the daughter got her degree in social work etc. and is working retail. The son never made it through and are in debt up to their eyeballs."


"I work in IT. India has been allowed to increasingly INVADE us IT policy (adopting VULNERABLE policies) over the recent decades (slowly) due to PREJUDICE about their superiority/affability (even though their native society is predatory and the word ""thug"" originates from THEM!). This is how you LOSE your control. The part ""they"" don't understand is coming SOON.  I see them daily. I know them. I want to thwart this criminal activity.  I never liked war before. Now I understand where it comes from (idealogically). It comes from covert foreign attack.  Let's nuke India!!! Twice! Look at how ugly looking they are! They look dirty. They should stay in their own disgusting native cesspool, or pay the price!  They are NOT as mass media portrays them! We will send all of their supporters to India with them! YAY!"


One factor you may be missing is that, even if you pay your balance in full each month, the utilization probably won't be zero, since the reporting period isn't usually lined up perfectly with the due date on your payment.  In short: Your utilization is not the same thing as how much balance you carry over.  My advice would be: don't try carry a balance just to get a minuscule benefit on your credit score (if there is one at all). It is certainly not worth the interest charges you will pay to do so. I think the advice you quoted is a mangled explanation of something that can benefit your credit. Specifically, don't let your cards go unused for long periods of time, which would make your utilization show as zero. At least a few times a year you should actually use those cards, even just a small amount, to make the accounts show that you are utilizing your credit.


The funniest thing to me was how they treated design. Like I'm fine with people not giving a fuck. And producing cheap products.   But it's just hilarious,  especially when you come from a design background. Like have a little pride in your craft. :/


You need to see that prospectus.  I just met with some potential new clients today that wanted me to take a look at their investments.  Turns out they had two separate annuities.  One was a variable annuity with Allianz.  The other was with some company named Midland Insurance (can't remember the whole name). Turns out the Allianz VA has a 10 year surrender contract and the Midland has a 14 year contract.   14 years!!!   They are currently in year 7 and if they need any money (I'm hoping they at least have a 10% free withdrawal) they will pay 6% surrender on the Allianz and a 15% surrender on the other. Ironically enough, they guy who sold this to them is now in jail.   No joke.


Vehicle-Accessories doesn't just sell towing and off-roading vehicle accessories in Australia, they also expertly install these accessories in customer vehicles. In doing so, they not only stand by the products they sell, they prove the design of the product and its adaptability to the roads you take.Again, Vehicle-Accessories is not just selling and installation but also repairs and remodelling of existing accessories.


"I was under the impression that all pilots actually do is take off and land. Once they're airborne, the computer takes over. It's usually described as ""99% utter boredom, and 1% sheer terror.""  Maybe a computer could land and take off too, but so much can go wrong at those crucial points and the stakes are so high that you need to have actual humans involved."


Russia has become more risky as an investment, thus investors, basically the market, wants to be paid more for investing in or owning those bonds. As yields go up, prices go down. So right now you can buy a low priced Russian bond with a high yield because the market views the risk involved as higher than risks involved in other similar securities.


Yeah, pretty much. Most hotels will have a long-term rate that's much cheaper if you're staying weeks, or months at a time - however it's not something that they highly publicize because otherwise normal hotel guests can feel that they're being overcharged. The weekly rate usually applies to bookings longer than three weeks, and the monthly rate for those more than three months. The place I stayed at also had 6 monthly and 12 monthly rates which were even less again - and I knew some people who had been living there for 2-3 years.  Although I guess it depends on your budget, when you compare the rates of corporate/short-stay accommodation you can sometimes get a better deal from a hotel if you just call and negotiate something. There was an article I read about this a few years back on some dude who started doing this because it worked out cheaper than keeping a permanent place in London and a place in NY - but I can't for the life of me find it now!


No. That's the point of a passive strategy: you maintain a more or less constant mix of assets and don't try to figure out what's going to move where.


France taxes capital / dividend gains accrued in France. Hence you will not be able to reduce this liability. India does have a Double Tax Avoidance Treaty with France and you can claim relief for the tax paid in France.


The problem is not capitalism. The problem is actually human beings. As humans, we only keep and keep growing and producing waste as we move along just like virus. Look at some developing countries, they live next to the river and they throw crap into it. It is that kind of mentality that is killing the planet. Sadly, it is a bit like Gaia is the host and we are essentially her virus ...


In order to arrive at a decision you need the numbers: I suggest a spreadsheet.  List the monthly and annual costs (see other responses).  Then determine what the market rate for rental.  Once you have the numbers it will be clear from a numbers standpoint.  One has consider the hassle of owning property from a distance, which is not factored into the spreadsheet


It could be an endless number of reasons for it.  It could simply just be a break through a long term resistance causing technical traders to jump in.  It could be an analyst putting out a buy recommendation.  If fundamentals have not changed then maybe the technicals have changed. Momentum could have reached an oversold position causing new buyers to enter the market. Without knowing the actual stock, its fundamentals and its technicals, no one will ever know exactly why.


There are a lot of strong words being thrown around here- kill, slashes, monopoly. It never really works this way in capitalism. In other news, sandals slash prices to kill dress shoes, while bicycles strangle prices to take monopoly control and destroy all other forms of transport. Real monopolies basically require government action and Dr No isn’t on side with the current leader of the free world.


Accredited investors are required to have 1 million in assets (not including primary residence) or $200,000/yr income for the last 3 years. These kinds of regulations come from the SEC, not the company involved, which means the SEC thinks it's a risky investment. If I recall correctly, [someone I know] had to submit evidence of being an accredited investor to trade options on [his] IRA. It may be that this is related to the classification of the options.


It is FDIC insured, there is no catch .. a few banks offer above 1% APY.  Alliant and Ally come to my mind.   Terms & Conditions


Ummm, let's see what the outcome here is:  1. Lawyers get $16.5M   2. We get pretty much nothing. 3. Ticketmaster gets a settlement against them that they just pass off in the future to us. 4. Ticketmaster *still* charges these fees, they just now mention that they make some profit off them. 5. We get no concessions from Ticketmaster on fees, and *more* fees added on to pay for the settlement in the future.  Yay!  If the damn lawyers had just left this well enough alone, we would all be better off.  They smelled a payoff and chased that ambulance to a $16.5M payday.  tl;dr; Fuck lawyers.


Fair enough, but if it goes the way it went in some parts of Canada, then privatization of road work will make it so that repair cost will skyrocket, jobs will be shody so they can repair more often, and the industry will be run by a cartel that chose who gets the contract and when by forcing the players to ask for a certain price.


It really depends.  If it is offered as compensation (ie in leiu of, or in addition to salary or cash bonus) then it would be reportable income, and if sold later for a profit then that would be taxable as gains.  If this share is purchased as an investment at current value then it would be treated like other securities most likely gains realized at sale.  Any discount could be considered income but there are some goofy rules surrounding this enacted to prevent tax evasion and some to spur growth.  That is the answer in a nut shell.  It is far more complicated in reality as there are somewhere around 2000 pages of regulations deal with different exceptions and scenerios.


Yeah, that would make sense; if they corporations started offshore.  However, they started on U.S. soil; as such, don't you think they should pay their fair share for such an awesome environment (security, opportunity, technology) the U.S. provides in the first place?


"As the article states, traditionally, it's a majority percentage of teens and immigrants. Makes sense. My wife and I regularly volunteer with immigrants, some documented and some not, to assist in finding jobs and housing, so that still holds true.   But, add to that the newer college grads who struggle to find ANY job.   I don't have a perfect solution. I think most people pretend their agenda is the perfect solution. So if the research shows--and it does--that mandated minimum wage raise eliminates jobs, the solution lies elsewhere. As far as ""livable wage"" goes, that is partly determined by situation and partly by individual. Obviously, the individual has to be responsible for their share (frugality, minimizing debt, work ethic, etc). But what's not in their control could be helped on a situation to situation basis. What I mean is ""disadvantaged people"" needs to be defined before you can help them. If ""disadvantage people"" means ""recently graduated students"", then minimize their biggest financial burden of school loan interest rates. If it's lower-skilled workers like teens and SOME immigrants, get rid of the minimum wage and allow them to work those lower paying jobs while gaining experience. So on and so forth.   As a business owner who makes around $30/hour, I can tell you I CAN'T afford to hire help at $19/hour to do simple tasks that would make me more productive. That killed a job right there. And it prevented me from freeing up my time to focus MORE on income-generating work, so I'm poorer for it too. As someone who volunteers with immigrants, I can't tell you how happy the people I've worked with would be to have more job opportunities."


Costco's entire business plan, though, is based around their membership fees. That is their sole profit.  They charge enough on their products to keep the lights on, pay their leases, pay their employees, and pay for the product coming in the door. All profit comes from membership fees.  Instead, this article makes them sound like an anti-capitalist company. Noooo, they're shifting the price of that chicken somewhere else. By not mentioning how the company actually posts a quarterly profit, this article does the exact opposite of what it should be doing: informing the reader.


heh well your aging faster than I, im not even 40 and this shit is making me feel old.  the world is being blinded by bankers and elitists and all people can think about is cats.  We have the opportunity to be in contact and perform great things, and some of us do, but then theres the front page of reddit in October of 2012 which is full of cats and meme's.  I dont watch tv, im very selective in viewing.  And i do understand the internet mentality, i have been a part of it since it began.  From 0day to lolcats.  I will laugh when some of these kids today dont get the jobs they want because they are online forever drunk, half naked, throwing up, giving the finger to people, lying in gutters, etc.    The internet will be real funny in another ten years, when all the people today have internet hangover like it was a bad party that wont go away.


But my gas car doesn't require that, so this is a regression. I had a Model S for 2 years, it was neat but we didn't use it for road trips. For people buying a 35k car, the luxury of having a second or third car isn't a given.


The last batch I ordered were 2 sided. I did this because they were for my film production freelancing, so I could be leaving them on tables and things and using them as mini flyers of sorts to advertise. For my day job I have one sided as these won't really be used to advertise but to provide contact info. I find it's nice to have space on the back to write notes, alternative contact info etc.


Another plus, besides supplemental income, to receiving dividend checks as opposed to reinvesting them is that those $$ are now out of the market and can't drop 50% or 60% like Y2K and 2008.  The idea of investing for the long term is now fraught with worry after those two events, because the next time, (smart economists say), it might not come back - a la 25 years to recover from the great depression. Plusfact technological quantum leaps, IT, automation, and the robots are taking over - can't hold that back forever, and the market will be the first one to smell the end of the economic status quo, and head for the hills, or in this case, deep dark scary valleys.


"**Warning:**  Really fucking simplified (like undergrad ""intro to corp finance"" simple).  Tell them they are running a company.  Say they just received a huge pile of cash (end of year earnings or some shit).  Tell them they have two options:  * Invest the money to expand current operations (say they make footballs) and continue making 10% ROE or w/e return their current operations make.  * Invest the money into a new project, say expanding products and making soccer balls.    Now ask them what rate of return from soccer balls would they need to receive to make it justifiable to pursue that project instead of just putting that cash back in footballs?  I mean, ask them if they received only a 5% ROE from soccer balls, would it make sense to produce them instead of expanding football production?  The required rate of return on the soccer ball project would be whatever return they'd make from their other project option (expanding football production)."


"Yes, especially if you are a value investor. The importance and relevance of financial statements depends on the company. IMO, the statements of a troubled ""too big to fail"" bank like Citibank or Bank of America are meaningless. In other industries, the statements will help you distinguish the best performers -- if you understand the industry. A great retail example was Bed, Bath and Beyond vs. Linens and Things. Externally, the stores appeared identical -- they carried the same product and even offered the same discounts. Looking at the books would have revealed that Linens and Things carried an enormous amount of debt that fueled rapid growth... debt that killed the company."


Nice ad hominem attack. You are basically acting like people that work minimum wages are lesser people and undeserving of things, like owning a house. Maybe someone enjoys low skilled labor like working at a cafe or working with their hands. There is nothing wrong with that. That doesn't mean they are lesser than you and/or incapable of owning a house, they just may not be able to afford as nice of things. Jesus, if you have to assume the worst of people to bolster your argument, then you have fucking terrible argument.


Did you read yellowoftops' comment?  He is saying just bypass the visa investment entirely, take direct responsibility and invest directly in educating domestic workers.  And why can't they take current subordinate workers in their company and train *them*?  They don't *need* those workers now, because they're clearly getting along just fine *right now without them*. It's just something they *want*, i.e. instant gratification.


There are the Dow Jones Sustainability Indices. I believe the reports used to create them are released to the public. This could be a good place to start.


I'd advise you to look for an advisor who is a NAPFA-Registered Financial Advisor.  If you visit the National Association of Personal Financial Advisors (NAPFA) website (http://www.napfa.org) and understand why they are different, I think you'll agree that the NAPFA-Registered Financial Advisor is the highest standard of excellence you will find in a financial planner.


"I assume you are referring to Multi-Level Marketing, which have organizational structures that look like pyramids.  As others have pointed out Ponzi schemes (often referred to as pyramid) are illegal.    The key to multi-level marketing is understanding the true objective.  It is not to sell soap, vitamins, cell phone plans or whatever.  The key is to understand that you are building a marketing organization.  You must motivate and train others to do the same.  You cannot rely on others to do it for you, you must do it yourself. If you just are there to sell product, you won't make any money.  If you have a lot of friends that you can convince to sign up, you won't make any money.  If you can build a marketing organization, you can make a lot of money. While the marketing for MLMs often say ""anyone can do it"", such things waste people's time.  There are certain personality types that are not suited for such skills.  Also if one posses those types of skills, there may be better opportunities in traditional companies.  Maybe."


Best way to break into the field as a soon to be graduate, should I apply to banks? Smaller firms? Financial services focused divisions within big 4? I've not done anything finance related but had two accounting internships one at big 4 and a smaller regional firm if that helps.


ISOs (incentive stock options) can be closed out in a cashless transaction. Say the first round vests, 25,000 shares. The stock is worth $7 but your option is to buy at $5 as you say. The broker executes and sells, you get $50,000, with no up front money.  Edit based on comment below - you know they vest over 4 years, but how long before they expire? It stands to reason the longer you are able to hold them, the better a chance the company succeeds, and the price rises.  The article Understanding employer-granted stock options (PDF) offers a nice discussion of different scenarios supporting my answer.


Sometimes it becomes really important for people to change their name in the form of spellings, surnames or maybe the whole name. The reasons might be religious, astrological, numerology but one definitely has to inform other about their new identity due to legal formalities.


You want /r/personalfinance  As long as you can afford to pay down the debt and interest over a period, 5-10 years or less, it seems reasonable enough.  Interest is high compared to a mortgage but it is tax deductible (last I knew).


to be fair , if people stopped living over their mean and stop taking debt for stuff they don't need , we would not be in this mess in the first place, you cant place all the blame on the lenders when the lendee is ok with taking on more debt. Only a fool would refuse a fool's money...


It's been [over two years](https://www.google.com/publicdata/explore?ds=z1ebjpgk2654c1_&met_y=unemployment_rate&idim=city:CT5363000000000:CT0667000000000&fdim_y=seasonality:U&hl=en&dl=en#!ctype=l&strail=false&bcs=d&nselm=h&met_y=unemployment_rate&fdim_y=seasonality:U&scale_y=lin&ind_y=false&rdim=country&idim=city:CT5363000000000:CT0667000000000&ifdim=country&tstart=1388037600000&tend=1493182800000&hl=en_US&dl=en&ind=false).   The [Berkley study](https://www.usnews.com/news/best-states/california/articles/2017-06-20/apnewsbreak-study-seattle-minimum-wage-hasnt-cut-jobs) from two weeks ago did include recent data and didn't find a major effect.   Before the minimum wage went into effect, what were the predictions made? Were they that there would be subtle effects that required flawed techniques to bring out? Was the prediction massive increase in unemployment?


"You are suggesting that a 1% return per month is huge. There are those who suggest that one should assume (a rule of thumb here) that you should assume expenses of half the rent. 6% per year in this case. With a mortgage cost of 4.5% on a rental, you have a forecast profit of 1.5%/yr. that's $4500 on a $300K house. If you buy 20 of these, you'll have a decent income, and a frequently ringing phone. There's no free lunch, rental property can be a full time business. And very lucrative, but it's rarely a slam dunk.  In response to OP's comment - First, while I do claim to know finance fairly well, I don't consider myself at 'expert' level when it comes to real estate.  In the US, the ratio varies quite a bit from area to area. The 1% (rent) you observe may turn out to be great. Actual repair costs low, long term tenants, rising home prices, etc. Improve the 1.5%/yr to 2% on the 20% down, and you have a 10% return, ignoring appreciation and principal paydown. And this example of leverage is how investors seem to get such high returns. The flip side is bad luck with tenants. An eviction can mean no rent for a few months, and damage that needs fixing. A house has a number of long term replacement costs that good numbers often ignore. Roof, exterior painting, all appliances, heat, AC, etc. That's how that ""50% of rent to costs"" rule comes into play."


You have not answered the question of total market and total amount that works out poorly for municipalities. You keep listing examples where it went badly, and have not compared that to the total size and those that went well. Without that ratio one cannot make a reasonable, informed decision. The total municipal bond market has about $3.7 trillion in it. You (and the article) list problems totaling in the tens of billions of dollars. Let's round up to 100 billion. That is still less than 3% of them going bad, which is a pretty good default rate. If 97% of such projects were a success (and I'm not claiming they are) then they should continue.  >Not included are the hundreds of smaller venues such as arenas and ice hockey facilities that almost never produce the sorts of economic benefits promised  Yes, you keep listing only one side; I asked for the other sides data which you still have not provided.  If I only list those auto airbag incidents that result in kids dying, you'd conclude that airbags are bad and must be removed. However, by avoiding honest data you'd be making a mistake. All I ask for in this case is the honest dat, not stories only about when municipal bonds fail. The statistics seem to me to be that the vast amount of them are not included in these stories of problems.  >why does the public have to foot the bill?  Because they often choose to, and cities certainly complain pretty loudly when a big name team moves away, so apparently cities like having sport teams.


"> This is perfect for the ELI5 posts that always come up on this topic.  ""That graph is the thing, the Platonic form. Stocks and bonds and hedge funds and derivatives and everything else are the shadows, the imperfect methods of approaching the thing. If you want to make all the money in the world, go make that graph.""  Do all five year olds understand allusions to Plato's Allegory of the Cave?"


According to the IRS, you can still put money in your IRA. Here (https://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics-IRA-Contribution-Limits) they say: Can I contribute to an IRA if I participate in a retirement plan at work? You can contribute to a traditional or Roth IRA whether or not you participate in another retirement plan through your employer or business. However, you might not be able to deduct all of your traditional IRA contributions if you or your spouse participates in another retirement plan at work. Roth IRA contributions might be limited if your income exceeds a certain level. In addition, in this link (https://www.irs.gov/Retirement-Plans/IRA-Deduction-Limits), the IRS says: Retirement plan at work: Your deduction may be limited if you (or your spouse, if you are married) are covered by a retirement plan at work and your income exceeds certain levels. The word 'covered' should clarify that - you are not covered anymore in that year, you just got a contribution in that year which was triggered by work done in a previous year. You cannot legally be covered in a plan at an employer where you did not work in that year.


But how valuable is it in the Star Trek world? How much gold is available and how much do they need?Are there alternatives? Will they ever find another element that replaces it? These all affect the actual value...  Nothing has value without demand, so how can anything be intrinsically valuable?


I think it's more of a supply issue than anything else.  Lots of people want Surface Pros, but actually finding one in a store, nevermind accessories etc. is a chore.  At least that has been my observation.    This is entirely based on the month or so I worked at Best Buy over the holidays, so take this post with a grain of salt.  All I know is that we had a shit ton of customers asking for them but we just never had them in stock because Microsoft would only send us like 5 of them in a shipment.  Meanwhile iPads consistently sold very well and we always had enough of them in stock.


"So, when checking the price online before going into the store, then finding a different price, they don't think they'll make themselves look even worse than before?  Especially after the whole ""different website with different prices just to screw over customers"" thing they pulled in the past."


"Not necessarily.  The IRS deals with income taxes.  I'd have to run the numbers, but I'm not sure if this would short the IRS versus deducting wages paid at time and a half.    Usually, a state's Department of Labor (or similar) would go after him for something like this.  Also, this sounds like plain old fraud, so a criminal charge could be brought.  What's also interesting is how the franchise's CPA and/or Subway's corporate accounting handled this.  ""Phantom"" employees are a big no-no, but are more commonly used to hide embezzlement.  There are a number of tests auditors are supposed to perform to weed out phantom employees.  I wonder if they did and covered it up or if they never bothered to test.  Either is bad.  /lawyer and accountant"


"> They seem to have politics on their side.  **ALL** of The Musker's ""businesses"" are based on taxpayer subsidies, like Tesla, $7,500 per car.  so is solar and rockets...poor taxpayers paying the billionaire  that era is over with Trump in charge"


"There are basically two ways to get value out of an appreciating asset such as a home: (a) Sell it and take the profit. In the case of a home, you presumably still have to live somewhere, so unless you buy a cheaper home to replace it, this doesn't get you anywhere. If you can get another house that is just as nice and in just as nice a location -- whatever you consider ""nice"" to be -- than this sounds like a winning option. If it means moving to a less desirable home, then you are getting the cash but losing the nice home. You'll have to decide if it's worth it. (b) Use it as collateral for a loan. In this case, that means a second mortgage, home equity loan, or a home equity line of credit. But this can be dangerous. House prices are very volatile these days. If the value of the house falls, you could be stuck with debts greater than your assets. In my humble opinion, you should be very careful about doing this. Borrowing against your house to send the kids to college or pay for your spouse's life-saving operation may be reasonable. Borrowing against your house to go on a fancy vacation is almost surely a bad idea. The vacation will be over within a couple of weeks, but you could be paying off the debt for decades."


As of April 2017, they had an estimated 80 million subscribers. At $99 a year that puts it at just under $8 billion. Now, there are different deals that will bring the cost down from $99 for college students..etc. you can also pay $10 a month, which would make it $120 a year. So it gets a little more complicated than the simple equation above, but on average I'm sure it's right around $8 billion, plus or minus a couple hundred millions of dollars.


>corporate profits are down   [That's not true.](http://www.nytimes.com/2010/11/24/business/economy/24econ.html)  >my problem with that statement is that if companies just pay their employees more it will 'create' demand  People having more money won't spend that money?  Especially people who are currently living paycheck to paycheck?  How do you reach this conclusion?  >If companies pay their employees more for the same amount of output it will just drive up the cost of goods leaving us with the same shitty demand.   Also, how do you figure this?


"As Mr. Money Money Mustache once said: IF YOU HAVE CREDIT CARD DEBT, YOU SHOULD FEEL LIKE YOUR HAIR IS ON   FIRE Student loan debt is different than credit card debt.  Rather than having spent the money on just about anything, it was invested in improving yourself and probably your financial future.  This was probably a good decision. However, unlike most credit card debt, if you ever have to file for bankruptcy, your student loans will not be erased.  They will follow you forever. Pay your debts off as quickly as you can.  While it may be true that ""long-term return on the stock market is about 7%"", you cannot assume that this will always be the case, especially in the short term.  What if you had made this assumption in 2007? To assume that your stocks will beat a 6.4% guaranteed return over the next few years is not really investing.  It's gambling."


Conversions must be done during the calendar year. This would apply to both IRA and 401(k) accounts.  For IRAs, deposits may be made until 4/15, and the same holds for Solo 401(k) accounts. For conversions, the IRA permits a recharacterization, basically, a do-over, which reverses the conversion, any or all, in case you have any reason it should not have been done. That has a deadline of 10/15, i.e. 4/15 plus 6 month extension. The 401(k) conversion has no such provision. Simple answer 12/31 of the given year.


"Depending on where you are, you may be able to get away with filing a ""Doing Business As"" document with your local government, and then having the bank call the county seat to verify this. There is generally a fee for processing/recording/filing the DBA form, of course. But it's useful for more purposes than just this one. (I still need to file a DBA for my hobby work-for-pay, for exactly this reason.)"


If you have no net income or loss, you can usually get away without filing a tax return.  In Illinois, the standard is: Filing Requirements   You must file Form IL-1120 if you are a corporation that   has net income or loss as defined under the IITA; or   is qualified to do business in the state of Illinois and is required to file a federal income tax return (regardless of net income or loss).   http://tax.illinois.gov/Businesses/TaxInformation/Income/corporate.htm Just keep your filing fee and any business licenses up to date, paying those fees personally and not out of business money (that would make for a net loss and trigger needing a tax return).  Frankly, with how easy it is to register a new corp, especially an LLC which has many simplicity advantages from an S-corp in certain cases, you might still be better off shutting it down until that time.


Life insurance is not an investment -- by definition, since the companies need to take a profit out of it, the average amount paid in exceeds the amount paid out, yielding a negative rate of return. Get life insurance if your death would cause severe financial hardship for someone. If you have sufficient savings that your wife could recover and move on with her life without hardship, and your kids are grown, you probably DO NOT need life insurance.


It sounded like he was mostly just lobbying for them to quit fighting over bullshit he doesn't care about and get on to lowering corporate tax rates and instituting a repatriation holiday.  Stuff you'd expect him to be lobbying for, but not necessarily the best policies for the people he's pretending to advocate for.


"Now you're just splitting hairs on definition.  The definition of globalism and by extension globalist differs based on source and context.    Other possible definitions:  ""the attitude or policy of placing the interests of the entire world above those of individual nations.""  ""Globalism is a group of ideologies that advocate the concept of globalization. It tends to advocate for such policies as increases in immigration, interventionism and global governance. Economically, globalism varies between free trade and lowering tariffs to Marxist proletarian internationalism. It is typically viewed as opposite of nationalism, and has become increasingly divisive in politics in many developed countries, such as the United States.""  ""Political globalization is when governmental action takes place on a global level, where responsibilities, such as the welfare of citizens and economic growth, are acted upon by an international political body.""  Globalism in a political discourse is diametrically opposed to nationalism and has very little to do with business owning interest in other nations other than the repercussions vis-a-vis tariffs and taxes."


Many states have a simple method for assessing income tax on nonresidents.  If you have $X income in State A where you claim nonresident status and  $Y income overall, then you owe State A a fraction (X/Y) of the income  tax that would have been due on $Y income had you been a resident of State A.  In other words, compute the state income tax on $Y as per State A rules, and send us (X/Y) of that amount.  If you are a resident of State B, then State B  will tax you on $Y but give you some credit for taxes paid to State A. Thus, you might be required to file a State A income tax return regardless of how small $X is.  As a practical matter, many commercial real-estate  investments are set up as limited partnerships in which most of the annual taxable income is a small amount of portfolio income (usually interest income that you report on Schedule B of Form 1040), and the annual  bottom line is lots of passive losses which the limited partners report (but do not get to deduct) on the Federal return.  As a result, State A is unlikely to come after you for the tax on, say, $100 of interest income each year because it will cost them more to go after you than they will  recover from you. But, when the real estate is sold, there will (hopefully) be a big capital gain, most of which  will be sheltered from Federal tax since the passive losses finally get  to be deducted.  At this point, State A is not only owed a lot of money (it knows nothing of your passive losses etc) but, after it processes the income tax return that you filed for that year, it will likely demand that you file income tax returns for previous years as well.


Have you checked the reviews for those products? I wonder if other people have the same complaints. TBH I don't know if there is a consumer protection agency that tests all the products for effectiveness and whether their claims regarding chemicals are in fact true.


"Yeah, in high school my AP Government/Honors Gifted Economics teacher was all ""Economics? Economics is worthless now, study for your AP test.""  It'd be cool if someone took all of these economic unions and compared them. But as it stands right now, it seems that in the EU the only country with a head on its shoulders, economically, is Germany."


Seems that Europe is pretty sick and on it's death bed (both economically and morally; which for some reason these tend to be treated as separate entities these days)...   I've heard that a specter is haunting it's inner chambers, has been for some time, the specter of global capitalism (dead labour sucking the life out of living labour)


I'll chime in and say that my wife and I thought this was a really dumb idea, until we tried it. I was keeping track of everything in my checkbook ledger, but having the physical money in the envelopes really does work! We thought it would be more hassle than it's worth, and there were hiccups the first month or two, but in the end we both agree this is what started our movement towards responsible money management and debt reduction. We have the following Categories:  Obviously, ymmv, but the point is to take any categories in your budget that are hard to budget for, as they vary from month to month, and just set aside an amount form your paycheck, in cash, for each one of those categories in an envelope.  What I've noticed is that by putting the money aside up front, it's MUCH easier to stick to the budget. We'll often shuffle money around in the envelopes if priorities change for a particular month as well, so rather than taking money away from an extra payment on a debt or our planned savings transfer, which would have been our default action pre-envelopes, we can just move $XX from Date Night into Groceries if we have to, hence, planning out how we'll spend our money, budgeting, has gotten a LOT easier since adopting this system.


People will never stop being items they need. Clothes,Computers, Phones, Cars, Furniture etc.  The problem the way I see it is that we lost mainstream culture. In general, we define our identify via the goods we purchase. Are we iOS or Android, Bike or Car, Vegetarian or Meat, Democrat or Rebublican. Nothing matters anymore. Today you can be anything you want and you will find a community that supports your worldviews. Grunge is not dead, as Punk or Goth is not dead, even Juggalos or fist pumping guido's have their space. Retail is fragmented obliterating the need for large Department stores.


Speculation means putting your money on a hunch that some event may occur, depending on current circumstances and some future circumstances. So either you win huge or lose a lot. Investment is a conscious decision made on well defined research and grounded on good reasons i.e. economy, industry, company reports etc.  Here is a link on wikipedia with more details on  Speculation.


Everyone is usually better off without insurance.  A very few people are much better off with insurance.  Insurance is a gamble and when you lose, you win.  Very few people lose badly enough to win.  Most people just pay money into insurance and never get as much back as they pay in.  For most people, in most lives, insurance is a bad deal.  The reason people crave insurance is because they cannot calculate the probability of something bad happening as well as an actuary can do so.  The gap in knowledge between you and and actuary is what make insurance providers rich and you poor.  They are smart, you are not.  You think some terrible thing is going to happen to you, they know it probably won't.  So they sell you a product you probably will never need.  Anyhow, most people can't understand probability, and how to analyze risk, so they won't get what I'm saying here. Understanding the real cost of risk is the first lesson in understanding money and wealth.  Rich people usually understand the value and cost of risk.  Hence, they only buy insurance when they expect to lose, that is, to win.  We rich people do everything only when we know already we are going to win.  We don't gamble, unless we are the house.  When a self-made rich man buys something, its because he knows already he is going to come out ahead on it, most probably.


Clutch Bags is the top quality manufacturer and seller of all kind bags in the United States. Nowadays, what with cell phones, wallets and other necessities, it's much more difficult to go out with a tiny bag. So you should use the Clutch purse,  which is can cover your small product. We have a great range of bags such as Best design bag, handmade clutches with interesting styles are all available on our company website.


They don't need to know how to actually write code, but they should understand the process of writing code. I don't expect a CEO to understand each line in the chain of the distribution centers but I do expect them to understand the process enough to make a logical decision.  CEO's don't need to be able to write code, but they should understand what it takes to get that code to a production environment and what risks are involved with different types of code pushes.