Speaking as a CFA charter holder in an alternative asset class, the CFA designation is beneficial to any role in finance. Not only does it provide a framework for understanding economics, accounting, financial instruments and markets, etc, the real value to me, is the signal it provides to others. For me, the CFA signals a level of intellectual sophistication and work ethic that employers, prospects, etc. Maybe asset management jobs aren't as in demand as previously, but I'm sure a CFA charter holder  has a better chance of finding a retaining that role


I don’t know what you mean by “fair price”.  A lot goes into pricing and you haven’t really given enough details. How will the customers be getting your decks? What have customers paid in the past for your decks? What advertising have you already done or are planning to do? How exactly are your decks higher quality? Are your designs original? Who did them? How will they be packaged? There are lots of variables.   You’re going to want to differentiate yourself as much as possible going forward and price accordingly.


Ethics and sources of meat aside, it's important to note the markets are currently not working. There are farm subsidies keeping the cost of meat low and many externalities generated from meat production (eg cow methane) which are paid for.by society and not the producer. Fix those issues and I'm right there with you!


Public sector union rep here.   1) First class? You haven’t worked for many non-profits, have you?  2) the idea that I’m essentially a public employee is ridiculous. My members pay my salary out of their paycheck. I’m accountable to them, not their employer. That’s like saying the groceries they buy are public property or their house is a public building. Once the government pays my members, that money is theirs, period.


Harvesting fresh produce is labor intensive and that costs money. As it is fresh produce is harvested using quasi-slave labor in North America, China and other parts of the world to keep prices down. Wanna know why a watermelon costs $40 in Japan and $3 in the USA? Guess which country pays legal citizens living wages to harvest produce...


"Generally speaking, yes, you can withdraw cash from an ATM using your credit card. However, this is usually a terrible deal: Also, keep in mind that on top of the limit set by the ATM of the amount of cash you can withdraw, the credit card company also has its own ""cash advance credit limit"" that is usually lower than your regular credit limit for purchases."


I used to sell electronics at sears.  Let me tell you something about the sears I worked at.  At the time, sears could not figure out how to keep track of how many TVs we had.  So whenever a customer wanted a tv, we had to dash across the store, go into the backroom, get a manager to open the tv cage, and physically check if we had the tv in stock.    This was a colossal waste of time, and we never really had more than 2 or 3 of any given TV at a time.  I lost sales all the time because we didn't have tvs in stock.  Turns out people don't want to wait a week to pick up a TV they bought.  My coworkers and I complained to our manager about this but nothing was ever done.


I was having a conversation about this recently because I got a raise and it kind of surprised me I didn't have to fight so much for it. Companies regularly give us CPI increases but in certain fields (especially IT at the moment) wage growth is so rapid that in 1-2 years you're 10-20% behind your peers.  A lot of people change jobs regularly to avoid this. I've fought for raises and kept moving around to different departments to keep my wage up to baseline but I get that for a lot of people thats not possible due to company culture.


Yes, that's all that happened in the last 30 years: people got lazy and stupid, that's all.  Oh, they're more productive? That's just because the CEO is so damn good, all the value from that extra productivity should just go to him. /s


"> would anyone have viewed the success of the iPhone differently if its launch was delayed by a few months?  OK, Mr. Financial 'journalist', why don't you look up Mr/Ms ""Depositor #455,000"" and catch their reaction when they find out when they can expect their Model 3? How many tail-end Charlies are going to wait that out?  Not to mention what ""tail-end"" will end up paying; the [current](http://insideevs.com/when-will-the-7500-us-credit-expire-for-the-tesla-model-3-and-everyone-else/) phase-out schedule for that $7500 tax-credit puts it to our recent 'depositor', *hard*. At the Model 3 price point, this is going to make the car about 20% less 'affordable for most of those in line.  With almost 10% back-outs already, another few 'below-expectations' quarters will provoke some serious pitchfork waving."


"haha I used to be the same way. But then I began to realize that these charts are somewhat intentionally vague so that the topic does seem more confusing and complicated, so then we're much more inclined to just say ""hmm ok, I guess they know what their talking about"".   That's the beauty of numbers too; they can be manipulated and concentrated into certain way so that it helps to prove a thesis someone is positing. Unfortunately these charts often provide zero context to go along with it, so any real knowledgable investor wont give much thought to one set of charts, like the ones in this post."


The point of the article is not making your own investments vs. hiring a money manager. It is about passive low cost investments vs. active money managers.  This article is advising people to avoid active money managers because (A) even an extra 1% management fee adds up to a lot, and (B) active managers usually don't beat the low cost passive options anyway.


Stuart MacFarlane Psychotherapist Stuart MacFarlane is a well-known Jungian psychotherapist who has over 30 years of experience as an educator, counsellor and psychotherapist. Originally from Sydney, Australia, he currently resides in London where he maintains his private practice. Over the years, he has helped hundreds of patients cope with and overcome a variety of psychological dilemmas.


I can often get the option at [a] price [between bid and ask] The keyword you use here is quite relevant: often. More realistically, it's going to be sometimes. And that's just how supply and demand should work.  The ask is where you know you can buy right away. If you don't wanna buy at ask, you can try and put a higer bid but you can only hope someone will take it before the price moves. If prices are moving up fast, you will have missed a chance if you gambled mid-spread. Having said that, the larger the spread is, the more you should work with limits mid-spread. You don't want to just take ask or bid with illiquid options. Make a calculation of the true value of the option (i.e. using the Black Scholes Model), then set your bid around there. Of course, if not only the option but also the underlying is illiquid, this all gets even more difficult.


Obviously the problem that we have no control over and is going on in someone else's house. It's like how in meetings the major bugs in the latest release are glossed over in five minutes while discussions of coffee room etiquette take forty five.


I'm just began playing in the stock   market. I assume you mean that you're not using real money, but rather you have an account with a stock simulator like the one Investopedia offers. I am hopeful that's the case due to the high level of risk involved in short selling like you're describing. Here is another post about short selling that expands a bit on that point. To learn much more about the ins and outs of short selling I will point again to Investopedia. I swear I don't work for them, but they do have a great short selling tutorial.  When you short sell a stock you are borrowing the stock from your broker. (The broker typically uses stock held by one or more of his clients to cover the loan.) Since it's basically a loan you pay interest. Of course the longer you hold it the more interest you pay. Also, as Joe mentioned there are scenarios in which you may be forced to buy the stock (at a higher price than you sold it). This tends to happen when the stock price is going against the short sell (i.e. you lose money). Finally, did anyone mention that the potential losses in a short sell are infinite?


I would not take any action with the check (neither return it nor cash it), but instead contact the bank.  We live in the modern era where you can call someone on the phone or email them, and get nearly instant feedback.  Use this to your advantage.  Find out why they refunded you the money twice: was it an error on their part (in which case you just tear up the check or return it to them and be done with it)?  Is it possible you're wrong about it being twice refunded (maybe the first check didn't go through properly or was only for half the amount, and you're just wrong)?  Maybe they had some sort of guarantee that they failed to live up to and are correctly refunding you double your money. Probably the first, of course.  But you should call them and ask, and verify what they want you to do, before you take any action - particularly one that costs you money.  And certainly don't just cash the check; if it is a mistake, they'll be asking for that money back later, with interest, and be within their rights to do so.


But the point is that these opinions were once held by many if not most of our Founding Fathers, which leaves open the question of which of their other opinions we can take seriously. They did not enshrine their hypothetical view of Congressmen as temporary workers in the Constitution, did they?


Generally banks will thoroughly check to make sure there is a market for the item before they take it as collateral. After that they will say it's only worth 40-80% of its value to avoid price volatility. So while it is rediculous to take a Andy Warhol painting as collateral, banks will be pretty conservative on its value (usually).


Because that is not at all what you said. Very simple.  PS. You can always use more data. You never have perfect or enough data. So you point is akin to water is wet... it is not like you discussed why the data we have is not appropriate


"I feel like you didn't actually read your agent's agreement, which should say where the money actually comes from. You sign it so that your agent can get paid by the listing agency from the net brokerage fees which the buyer pays. In the United States, ""real estate agents are prohibited from being paid a commission directly by the consumer."" (citation: https://www.thebalance.com/how-do-buyer-s-agents-get-paid-1798872 ) The agreement will say exactly where your buyer's-agent's money is going to come from. Typically the listing agency receives the broker fees from the seller, and then pays both the seller's agent and the buyer's agent from that. It means both agents have to split the fee. [If] for some reason the seller won't pay the buyer broker, can I just not purchase the house? Pretty much, yes, though it won't be you saying ""deal's off"". Unless they have some really unusual contracts with their OWN broker, if the seller refuses to pay fees, their own side of the transaction is going to fall apart and the sale won't happen at all, leaving you off the hook for your own broker's fee."


Given the current economic situation with more people going online to shop for everything from groceries to the most important purchase of a lifetime, the perfect place to live, it is paramount for real estate firms, both large and small, to ensure their website grabs and holds potential client attention.


In a very basic sense you can only issue a dividend from distributable profits, which in practice is usually the businesses retained profits. As a new company you will not have any retained profits and therefore technically no distributable profits.  In practice though, many companies issue interim dividends before the year end, however you are best taking professional advice as to whether you are in a position to do this. If the company pays out dividends in the first year and then makes a loss you will have been deemed to make an illegal distribution. The 'dividend' can then actually be treated as loan rather than a distribution but there are potential tax implications there.   See ACCA guidance here on Illegal Dividends. A Chartered Accountant will be able to advise you accordingly.


You could also interpret these actions as satisfying consumer wants, instead of as some sort of conspiracy.  Businesses want to make sales. That's not news. That's no a secret. I think it's pretty safe to assume everyone knows that.   If you, as an individual decided to pawn of responsibility for for purchases on other people, you'd be seen as ridiculous, and rightly so.  This implies that you think this doesn't apply to you, but does apply to many other people. That makes you an elitist. Exactly how much better than everyone else do you think you are?


About 10 years ago, I used to use MetaStock Trader which was a very sound tool, with a large number of indicators, but it has been a number of years since I have used it, so my comments on it will be out of date. At the time it relied upon me purchasing trading data myself, which is why I switched to Incredible Charts. I currently use Incredible Charts which I have done for a number of years, initially on the free adware service, now on the $10/year for EOD data access. There are quicker levels of data access, which might suit you, but I can't comment on these. It is web-based which is key for me. The data quality is very good and the number of inbuilt indicators is excellent. You can build search routines on the basis of specific indicators which is very effective. I'm looking at VectorVest, as a replacement for (or in addition to) Incredible Charts, as it has very powerful backtesting routines and the ability to run test portfolios with specific buy/sell criteria that can simulate and backtest a number of trading scenarios at the same time. The advantage of all of these is they are not tied to a particular broker.


I'm going to assume that you want to be invested all the time and each trade consists in selling a security and buying another one (similar to your example). How much commissions you are willing to pay depends on several factors, but one way to think about it is as follows. You have a position in stock A and you want to switch to stock B because you think it will perform better. If you think there's a good chance (>50%) that B will outperform A by more than x% then you can happily pay up to x/2% commissions and still make money over a long time horizon. If you like formulae, one way to express it is: Where: Example: if you tend to be right 51% of the time (hit rate), and gain 110% more than you lose on average (win loss ratio), you can see that your expected profit is: 5.1% - commissions, so you could pay 2.5% commissions on entering and closing the position and still make money*. Unfortunately, common sense, statistics and numerous studies tell us a sad truth: on average, people have a hit rate of 50% and a win/loss ratio of 100%. Which means that their expected profit per trade is 0% - commission. Based on that crude observation - unless you can prove to yourself that you are better than average - you should aim at reducing commissions paid to your broker as much as possible through: * 51% and 110% are not random numbers, they correspond to the results of the top 15% (professional) managers in a research paper using a sample of 215 funds managing $150bn.


First off, the basics on HST/GST:   You don't need to collect HST, if you don't want to, until you hit 30k in a particular three month period (assuming you're not regularly passing $30k).  You then need to collect on the sale that takes you over $30k plus all sales after that.  See the H&R Block page on GST/HST for example: [B]usiness goes through the roof, generating more than $30,000 in one particular three-month period. In this case, the day the sale goes through that took you over that $30,000 threshold becomes the day you cease to be a small supplier. You must charge GST/HST on the sale that put you over the $30,000 limit, and on all sales after that, even if you are not yet registered. You now have 29 days to register with the government. Alternately, if you hit 30k over four three-month periods (i.e., a year), then you are exempt until the end of that fourth three-month period, after which you must register and collect HST the month after: [R]evenues in excess of $30,000 during four (or fewer) previous, consecutive three-month periods. You will be considered to be a small supplier for those four calendar three-month periods, plus the next month. Your first sale after that additional month, and all sales thereafter, will have to include GST/HST. You will have 29 days from the first day of the second month to register. However, many businesses do collect HST/GST even under that limit, in particular as it means you can collect tax refunds for your input HST/GST paid.  If you do so, then you simply register from the start, and then you don't need to worry about it.  You do need to remit those taxes collected, though.  If you don't remit, you won't be able to collect tax rebates for your input HST/GST. You decide to become a GST/HST registrant when you start your business. You expect to exceed the $30,000 threshold at some time in the near future. You also want to receive any GST/HST paid back from the government on all expenditures especially those high startup costs. And, as Grant Thornton recommends: In most cases, it’s generally a good idea to register for GST/HST as soon as your business is established. Provided that your business makes (or will make) taxable or zero-rated supplies, early registration ensures that GST/HST paid on costs incurred is recoverable since tax paid prior to registration is generally not recoverable except on the purchase of inventory, capital property and prepaid services still on hand at the time of registration. Be sure to register early because, in many situations, registering late can result in the loss of recoverable GST paid before registration.


The exchanges artificially push the price of the stock down on the ex-div date. Often the impact of paying the dividend is absorbed by the ebb and flow of trading in the stock later in the day by the market. I think this was noticable with Nokia because the company is in poor shape and the stock has plunged recently.  Dividends are a great way for companies to return value to shareholders. The trend for many companies, particularly growth stocks is to reinvest profits to grow the company. Former growth stocks like Microsoft like to just sit on billions of dollars and do nothing with it.


"What does ""points"" mean In any stock market, there are certain stocks that go up and certain stocks that go down. Hence if we want to find the generic health of stock market, i.e. on an average is it going up or down, we have no means to find out.  A practise that has evolved over the years is take a set of companies and find if on average they have gone up or gone down. In very simple terms say in 1970 I take the Market Capitalization of a set of 50 companies, lets say its value is ""X"". I would now call this index as value of 100. Now after a month if the Market Capitalization is 2X, the index value would be 200. After another month if the Market Capitalization come down to 1.5X, then index value would be 150. So essentially now one is able to get the general trend more easily. S&P is an index of Select 500 companies based on various parameters. So in isolation 2000 does not mean anything. However as a comparison it does give quite a bit of insight. Note there are various adjustments made to factor, i.e. certain companies go bankrupt or are not doing well are removed from Index, share splits, mergers, etc. This ensure that the Index is neutral and does not show unwarranted spikes."


Non-disclosure agreement?  To be honest though, your idea would have to be great *and* achievable to make it appealing enough to steal. I'm involved in two businesses at the moment (one of them is a web app). We have an NDA in place for potential investors, which is enough to let people know you're serious.


"What is a good bank to use for storing my pay? Preferrably one that has free student accounts. Can I save money from my paychecks   directly to a Canadian bank Otherwise, can I connect my bank account   to my Canadian account online? Any (almost...) bank in the US has free college checking accounts. If the bank you entered doesn't - exit, and step into the one next door which most likely will. The big names - Wells Fargo, Bank Of America, Chase, Bank of the West, Union Bank, Citi etc - all have it. Also, check your local credit union. Do I need any ID to open a bank account? I have Canadian citizenship and a J-1 visa Bring your passport and a student card/driving license (usually 2 ID's required). What form of money should I take with me? Cash? Should I apply for a   debit card? Can I use my Canadian credit card for purchasing anything   in the states? (Canadian dollar is stronger than US dollar currently,   so this could be to my advantage?) There's some fuss going on about debit cards right now. Some big banks (Bank of America, notably) decided to charge fees for using it. Check it, most of the banks are not charging fees, and as far as I know none of the credit unions are charging. So same thing - if they charge fees for debit card - step out and move on to the next one down the street. Using debit card is pretty convenient, cash is useful for small amount and in places that don't accept cards. If you're asking about how to move money from Canada - check with your local (Canadian) bank about the conversion rates and fees for transfers, check cashing, ATM, card swipes, etc - and see which one is best for you. When I moved large amounts of money across the border, I chose wire transfer because it was the cheapest, but for small amounts many times during the period of your stay it may be more expensive. You can definitely use your Canadian credit/debit card in the States, you'll be charged some fee by your credit card company, and of course the conversion rate. How much tax does I have to pay at the end of my internship? Let's assume one is earning $5,000 per month plus a one time $5,000 housing   stipend, all before taxes. Will I be taxed again by the Canadian   government? $5K for internship? Wow... You need to talk to a tax specialist, there's probably some treaty between the US and Canada on that, and keep in mind that the State of California taxes your income as well. What are some other tips I can use to save money in the California? California is a very big place. If you live in SF - you'll save a lot by using the MUNI, if your internship is in LA - consider buying an old clunker if you want to go somewhere. If you're in SD - just enjoy the weather, you won't get it in Canada. You'll probably want a ""pay as you go"" wireless phone plan. If your Canadian phone is unlocked GSM - you can go to any AT&T or T-Mobile store and get a pre-paid SIM for free. Otherwise, get a prepaid phone at any groceries store. It will definitely be cheaper than paying roaming charges to your Canadian provider. You can look at my blog (I'm writing from California), I accumulated a bunch of saving tips there over the years I'm writing it."


You are right that every transaction involves a seller and a buyer. The difference is the level of willingness from both parties.  Overbought and oversold, as I understand them (particularly in the context of stocks), describe prolonged price increase (overbought, people are more willing to buy than sell, driving price up) and price decrease (oversold, people are more willing to sell than buy, driving price down).


No, everyone has the ability to plan their life. Everyone. I grew up piss poor and black. Living below your means doesnt mean homelessness. It means buy groceries instead of eating out, pay $500 room rent vs $1200 apt.   Sacrifice today for tomorrow


My point was not so much to advocate higher pay for these guys as to point out that some of these folks may actually have worthwhile skills, but can't find better work. I just think it's a mistake to assume they're lazy scum, that's all. At least, that's what I took away from reading snook's paragraph.


For whatever reason, Americans gave up on learning about the world or caring whatsoever about how they are governed. Most people around me have some working knowledge of current events, but aren't interested or passionate enough to do anything about. And the 2 party system perpetuates this behavior, as does the media we consume. A lot of us don't vote because we don't believe at all in the system.  As for military spending vs. social programs, well... it's hard to disagree over facts [so I'll just link to this here.](https://static.nationalpriorities.org/images/fb101/2014/presidents-proposed-total-spending.png) Military at 16% vs. social programs at 50% combined. I'll never defend how large our military is - frankly I think it's a joke at how much we spend today - but there are too many spending issues to count and the social programs are a larger part of that than anything else.  I'm no republican or democrat. Whether they believe it or not, both political party participants are for bigger government and more centralized control of the economy and our daily lives.


"The added value is web ordering (secure payments, shipping and paying fraud prevention) and handling logistics to ship to your door.  Retail adds additional middleman cost via commercial brick and mortar stores with comparable expensive rents only ""near"" the customer (not to the door) and retail workers salaries. Many products don't need to be touched and felt before buying and with great return policies this is solved via a little bit more time (return ship & replacement).  The last advantage of retail over online is ""can have it in few hours at home"" versus days for online shipping. Few items justify that instant delivery premium: emergency buys (spare parts for broken down machines, printer ink/toner cartridges), fresh cooked meals for example."


I would like to add that from my own research, a pro to leasing over buying a new vehicle would be that with the lease the entire 7,500 federal incentive is applied directly to the lease, or so they say. If you buy a new car you get a 7,500 federal tax incentive also but if you dont have 7,500 bucks in taxes this wont be as much value. It doesn't sense to me to buy used since you dont get the tax incentive and also if you're in california the 2,500 rebate only applies to buying new or leasing 30 month or longer.


Its not a mystery what it does. Its clearly not good for society, especially in America. Any economist that is confused is not an economist but a leftist ideologue who knows enough economics terminology to persuade irrational people to support a doomed system of market interference and policies that aim at equality of outcome instead of the tried and true method of providing economic freedom and mutually beneficial (and consensual)  deal-making. LOL that this is in the economics sub. Just shows how far leftist ideologies have penetrated business and government. Aren't the conservatives supposed to be the experts in business?


I'm afraid your best recourse may be legal. I don't know that internet is a necessity, but the court would frown upon anyone paying $4K for rent but not being able to afford to heat the water or turn the lights on. $48K a year net should be enough for her to at least keep the kids with these things.  I don't know that you can educate her. Her issue is very deep-seated and far beyond a good financial planning type session.


Some countries in European Union are starting to implement credit history sharing, for example now history from polish bureau BIK and German Schufa are mutually available. Similar agreements are planned between polish BIK and bureaus in the Netherlands and United Kingdom.


What percent of a company are you buying when you purchase stock? The percent of a company represented by a single share can be calculated by percent = 1/number_of_shares*100% Apple comprises 5,250,000,000 shares, so one share makes up about 1.9e-8% of a company, or 0.000000019% of Apple.


"is there a legal service online where, for a modest fee, you could have someone fire off a ""fuck you, we have no intention of paying"" letter to these companies in case you're ever contacted and shaken down?  The movie industry are reducing their legal fees by hiring companies to automate the whole process and process lawsuits in bulk. Can't people targetted by these clowns have their own equivalent?  I'd consider $30-$40 as a reasonable fee to fire off a standard letter by registered mail. There's no reason it should cost as much as putting a lawyer on retainer."


It depends on what you are looking for in the investment. Sharpe is generally used when you are choosing among portfolios(mutual funds, hedge funds, ETFs, etc.) to be the optimal risky portfolio. Treynor is typically used when deciding which security will be added to your portfolio. And the information ratio (alpha/residual standard deviation) is used when deciding which one you will add to a passive portfolio. Also don't forget, when analyzing a stock you need to look at the fundamentals. I hope this helps. And correct me if I'm wrong any you more experienced guys.


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"Uber/Lyft claim they aren't taxi companies to get around local regulations for the taxi industry, all the while providing taxi service. If you pick someone up and take them somewhere, you're a taxi. It's really as simple as that. This whole ""donation"" non-sense is just bullshit."


Prices can go up or down for a variety of reasons. If interest rates decline typically every stock goes up, and vice versa. Ultimately, there are two main value-related factors to a price of a stock: the dividends the company may issue or the payoff in the event the company is bought by someone else. Any dividend paid will give concrete value to a stock. For example, imagine a company has shares selling at $1.00 and they announce that they will pay a dividend at the end of the year of $1.00 per share. If their claim is believable then the stock is practically FREE at $1.00 a share, so in all likelihood the stock will go up a lot, just on the basis of the dividend alone. If a company is bought by another, they need to buy at least a majority of the shares, and in some cases all the shares. Since the price the buyer will be willing to pay for the company is related to its potential future income for the buyer, the more profitable the company is, the more a buyer will be willing to pay and hence the greater the value of the stock.


Depending on your strategy, it could be though there is also something to be said for what kind of order are you placing: Market, limit or otherwise? Something else to consider is whether or not there is some major news that could cause the stock/ETF to gap at the open.  For example, if a company announces strong earnings then it is possible for the stock to open higher than it did the previous day and so a market order may not to take into account that the stock may jump a bit compared to the previous close.  Limit orders can be useful to put a cap on how much you'll pay for a stock though the key would be to factor this into your strategy of when do you buy.


"I am going to add just one more item to what are some very well thought out answers. The element of ""Cash Out"" If you are taking out 80% of the value of the home that you already own free and clear the bank considers this a ""Cash Out"" transaction - meaning you would effectively walk away from closing with a check for 80% of your home's value. So in a hypothetical situation you have a $200,000 home value - you would be handed a check for $160,000 with which you could do anything that you wanted. Granted, you are likely going to do something responsible with it and purchase another home - BUT (big BUT) the bank can't control what you do with it and that is the part they don't like - and therefore they treat these types of transactions with a higher degree of scrutiny. It is all about control - if the property you are downsizing to fits their rules for lending they may actually loan you a higher loan to value on that purchase than they would on your ""cash out"" refinance transaction on your current home.  With the purchase loan the money you get goes immediately to the purchase of a new home.  In the ""cash out"" transaction it goes to a check with which you could do anything you want . . .  and then not pay the loan back . . .  I know no one here would do that - but there are some folks that would . . . and this is one of the reasons ""Cash Out"" loans are not nearly as easy as they once were to get. http://www.justice.gov/usao/az/mortgagefraud.html"


In addition to the adjustment type in NL7's answer, there are a host of others.  If there are any adjustments, form 8949 is required, if not, the gains can be separated into short and long-term and added together to be entered on Schedule D.  Anything requiring an adjustment code in column F of the 8949 requires an entry in column G.   Some other example entries for column F include: (see the 8949 instructions for a complete list) **A wash sale occurs when you sell or trade stock or securities at a loss and within 30 days before or after the sale you: Buy substantially identical stock or securities, Acquire substantially identical stock or securities in a fully taxable trade, Acquire a contract or option to buy substantially identical stock or securities, or Acquire substantially identical stock for your individual retirement account (IRA) or Roth IRA. (from Pub17)


There have been many interesting and correct answers but to give a direct answer to your first question, dividend yield is simply dividend over current share price. So, if the share price drops, your dividend yield increases proportionately. Dividend yield is not something one should use as the only source of information of whether a stock is a good/bad buy. It does not show many important factors: the riskiness of the company business, its financial position, profitability, ability to generate cash. Furthermore, dividend yield is just a snapshot of an income gain at a given point in time. It does not mean that this very dividend policy is going to continue in the future (especially not so if the company finances this dividend payments using not its own cash reserves but outside capital by issuing debt securities, which is unsustainable).


The majority of the employers hold the misconception that employee training programs are costly and an unwanted expense. But the fact is that a company can reap plenty of benefits by providing personnel training to their employees. Here below we can find some of the top benefits one could enjoy from an employee training program.


"Statistics is a sub-field of mathematics. Don't say you like or dislike ""math"" as a whole.  You've probably only been exposed to arithmetic, basic trig, Euclidean geometry, statistics, and calculus.   Struggling to understand something doesn't make it impossible or mean it will be a setback. Plenty of people have taken academic weaknesses and turned them into strengths by diving deep until you have a real understanding of the material instead of just memorizing operations (such as the ""power rule"" in calculus or some dumb iterative shit like that).  Up to you what you make of it. The elementary level of statistics is pretty significant part of nearly finance (along with a multitude of other professions and daily life) so know that and choose according to what you want."


The word ‘’Boost’’ has different meanings like help up or in Scottish dialect it conveys the idea of a push. MMR Boosting also called as ELO boosting is an act where one player called ‘The Booster’ login into another player’s account called ‘The Boostee’.


"Let me start by hedging a little bit: our industry (finance, I mean) is cyclical, and disciplines tend to surge, to fall, then to rise reborn from the ashes. Fixed income was dead, then fixed income was the place to be, then everyone got laid off, then there was a huge rally, etc. etc.  BUT... if you get into the wrong area at the wrong time, well it doesn't really matter if it recovers in 20 years, does it? As the great man wrote: **""in the long run, we're all dead.""**  Regarding equity research (and here I especially mean **sell side** equity research), the super-volatile markets have made it harder for traditional equity funds to eke out a living, much less to meet investor expectations, so margins have gotten thinner. The increased correlations and increased volatility has just made stock picking less productive as a strategy.  As a result, traditional equity funds have cut back on their trading activity, have consolidated their business to one or two brokers, and have stopped explicitly paying for research. This means fewer soft and hard dollars flowing to less research. Furthermore, sell side research is less productive these days, it was just easier in the ""old"" bull market, there was more room to find value and pick stocks.   All of these factors are contributing to a decline in the research business, as evidenced by the layoffs we can all find by searching google news.  All that having been said, buy side research is a different story, but the strategies are more complex and you really have to deliver value to your PM in a timely manner."


"Quick Lowes story....  I just shopped at Lowes for the first time a few days ago. Found the BBQ I wanted (Broil King Baron 440) available there. It was cheaper at Sears but since they are another dying large box retailer and don't answer their phone, I decided to go to Lowes when their Customer Support team said they would price match.  When I got to the till with my ~$900 purchase and showed them the website for the price match, they said they weren't sure if they could do it because it said Out of Stock Online.  15 minutes later and a call to the boss and they said ""Sorry we cannot match the $584 sale price at Sears, but we can offer you 10% off Sears' original price of $649.""  Quick math shows that 10% off $649 is in fact $584.   So you have to go out of your way to say you cannot do the price match but actually you are doing the price match. Accidental customer service.  All of these stores that do business this way are slowly dying. The only reason I'm there is for customer service. I can usually order online and it will be easier and most likely cheaper.   An immediate price match would be a great customer experience and would likely lead me to venture back to Lowes in the future. Instead I left feeling like they didn't really want to help me out but accidentally did."


"When I need to come up with a name I would load up thesaurus.com and namecheap.com and start mashing up words and seeing what is available.   EG. Since it's something to do with drones then I'd look into synonyms for drones or birds and mash it up with other words like robotics and come up with something like ""electroWing"" and if namecheap.com tells me there's availability then I know I'm on the right path."


Source Sole trader   If you start working for yourself, you’re classed as a self-employed sole trader - even if you’ve not yet told HM Revenue and Customs (HMRC). As a sole trader, you run your own business as an individual. You can keep all your business’s profits after you’ve paid tax on them. You can employ staff. ‘Sole trader’ means you’re responsible for the business, not that you have to work alone.You’re personally responsible for any losses your business makes. Tax responsibilities   You must: You’re personally responsible for any losses your business makes. This is one condition which you would need to have a look. If you do some shoddy work and your client wants to recover the losses they can come after your personal money or property. LLPs have the same probelm too. And you pay NI and income tax on all of your profits.  If you have a partner then both can take out the profits of a limited company, if both are directors. The tax hit will be less as compared to a single person.


Answering the first part, it is basically a home equity loan.  You are taking a loan out against available equity in your house.  It generally is at a higher interest rate than what you would get on your first mortgage.


Regulation is needed to guarantee a free market, because the natural desire of any business is to manipulate the market to its benefit, which generally means a monopoly.  In the case of non-compete agreements, a law (regulation) is required to force companies not to require non-compete agreements.


Dom & Vinnie Briarcliff Yonkers- Best Italian Restaurant Westchester Country, NY Yonkers Avenue, Yonkers offers Pizza, Pasta, Salad, Specialty Sandwiches nr Nepperhan Ave, Best Pizzeria Feeding Westchesterites, Desserts, Appetizer, Soup, Sides, Burger, lunch and dinner with easy online ordering and Fast Delivery


"Yes, there is a slight reason to worry as the debit card contains  1) Account Number 2) of course a the Debit Card number  3) CSV code at the back of every debit card and  mostly these three parameters are being followed to verify the authenticity of the cardholder, but there are some other parameters like ""password of your debit card"" and even address in some cases. So stay chill the manager will not be able to make any online payment using the credential of your debit card without password and other details..."


I remember a blogger doing a survey of favorite chain burgers and we thought McDonald's and bk would be right at the top, but it was Wendy's as the overwhelming winner by far. I'd say the freshness and quality did it for them


I really think /r/personalfinance would be a better platform for this, there's people there who deal with this all the time. I would repost this question there with the additional information;   1. Your age 2. Your savings, including IRAs/401ks 3. Total amount of all debt, including credit card and student loans 4. Your income 5. Your future plans (plans to retire? to which country? back to school?) 6. Your family situation (married / unmarried, kids / no kids)  All of these things impact any financial decisions you might have, that's why personal financial advisors exist.


>“If you were to disallow deductions for settlements, then that would create an incentive for companies to litigate the case all the way to a trial verdict,” Victor Fleischer, a tax law professor at the University of Colorado, said. “If the company had to pay a claim in that instance, it would be deductible. That’s not wise public policy either.”  Huh?  First of all, if the deduction were disallowed why would the payment of a claim at the end of a trial be deductible?  Second, part of the problem, which is unaddressed in the article, is that the companies paying these fines typically sign agreements that admit liability for the fine but deny all aspects of wrongdoing.  Thus, there is no precedent set and there are no guidelines to follow in the future.  As such, the result of a trial would actually be instructional to future participants in these markets.  Similarly, it might actually result in personal liability for the worst offenders in the organizations.


This sounds like a scam.   C.f. Craigslist for normal warning signs of an on-line scam


Anyone want a 6 digit ice number? I've had it since way back  the dial-up days when I was sysadmin for a bbs.   Just typing that makes me feel old.   But we were huge for our area,  2 T1's and a 56k Internet connection.


The answers provided already pretty much answer the differences and trade-offs, and I'd agree with recommending an online savings account like ING because the rate is just about the same as most CDs you'll find right now.  It's really a matter of when the CD rate is higher, and you can accept not accessing the money, then the CD is a better value, otherwise go with the savings account. However, here is an interesting option with CDs that helps with not being able to access the money: a CD ladder.  Basically, you get a CD every 3 months (or some other acceptable time frame), starting with 3, 6, 9, and 12-month CDs.  When the time is up for each of them, take that money and put it back into a new yearly CD.  Eventually you will get to the point when you have all of the CDs long-term, but you'll get some of the money every 3 months.  If you need the money, you'll have the option to use it, but you can always just keep it going, too.  The exact timing you use depends on your situation, but it's a great way to help get around not being able to access the money for a year or more.


Never speak to a debt collector. Ask them to stop calling you and STOP talking to them. Communicate only via postal mail. Do not react in an emotional way, do not use foul language, etc. If they call you and attempt to harass or intimidate you, note the date/time, name of the caller and nature of the call. Ask them to cease communications via phone and hang up. You're missing alot of detail here. You need to understand: The key to these things is to fully understand the situation you are in and find out what your legal obligations are.


Their reputation is still stellar, just because people we're dumb enough to buy in at 38$ doesn't reflect on facebook, it reflects on the underwriters.  You think FB would have said no with the IPO price had been 100$?


Even though the person you're responding to actually said paternity leave, I'll respond to the benefit that maternity leave provides to employers:  Businesses with a paid maternity leave policy benefit in 2 ways. 1) Companies that pay for a maternity leave period (as opposed to allowing the time off but requiring it be unpaid) have hire retention - which means that the woman is more likely to come back than become a stay at home mom. 2) Companies with good maternity leave policies get the pick of the litter in hiring women. So while they're perhaps having to hire men they feel are in the top 20th percentile, with women, they're able to hire top ten percentile.


"Not exactly. You still have to say to yourself ""I'm out of toiler paper, let me go hit that button."" The end goal is not even having to realize you need TP and having it show up at your door in an hour."


"Author says that only hiring from the top school is elitist and discriminates against people coming from lower ranked schools. Then the author suggests discriminating against people from elite schools and never hiring them.  Then he starts going through some odd statistics about STEM majors to try to ""prove"" that Harvard kids are dumb. More than half of them go to business/finance. They want to make their millions on Wall Street."


All request and new cases are productively evaluated and screened online at Contact Us. Introductory consultations, LLC formations, and records for routine land and business exchanges are taken care of only online at prudent level expenses. A scope of Delaware llc in-office benefits after the underlying conference is offered yet at expenses higher than those cited for online things. We will keep you refreshed all through the procedure. We give steady correspondence and continuous notices as we process your incorporation.


It's perfectly legal for your brother to make a loan to you.  However those two transactions are separate.  If he defaults on the LC loan because you didn't pay him, it's his responsibility.  If you default on your loan with him, you've got big problems.  Money + family/friends = scary.


The Model 3 will probably be a great car but there are other options. I think most people are buying this for the name since we really don't even know how good it's going to be. I mean, they are making a really cheap Tesla S, where are they cutting costs?  The Chevy Bolt has a ~~50%~~ 38km larger battery for practically the same price.


"Well what you said about money is the reason people say ""things are only worth, what people are willing to pay for them"". There is plenty of economic reasons to for instance conserve coastlines and the environment because deforestation, and coral destruction have negative externalities associated with that have to paid out in the future by who ever suffers from those externalities. However there isn't a market for eco-bonds or a way to value that landmass effectively which is a real issue for ecological conservation.  There are people trying to do what and there is an interesting article this week in The New Scientist about such nexus between ecology and economics but while there is clear value somewhere assigning it a price only works if people are willing to buy or invest in it.   Its quite sad how many of the critics of modern banking don't really appreciate what they do and what finance does (or more commonly confusion arises about what finance even is, let alone what it does)."


In trade shows, only being there and not putting effort put your company in a bad expense. Your key strategies in your trade show marketing plan will make you able to compete with the rest of the exhibitors, specially those in line of your industry. Here's a good trade show tip to guide your way in a more productive trade show marketing and successful exhibiting. Blog resource is provided by Xtreme Exhibits, a St. Louis trade show displays and exhibit solutions provider.


The iron-clad rule of investing is that risk and return are directly related. It is impossible to get a higher return than you are getting without putting principal at risk. Your emergency fund should be in cash, preferably in government insured cash (like a savings account). The best you could probably do is laddered 3-month CDs. That way, you could cash them out, one per month, as they mature.


> There are some products that people would notice a 1% difference from competitors.  Really? I'd think most people are pretty loyal to amazon. They already have their credit card into and account all set up. A 1% price increase doesn't sound like that much at all. Why would I go to all that trouble to save < 5%?


What kind of crack are you smoking to think Warren Buffet didn't get to his position by merit... The guy basically invented modern value investing. Sure he's almost senile now but he was a legend back in the day.


Our banking system is pretty archaic compared to Europe's.  I never realized it until I started managing bank accounts overseas for work.  I manage many in the U.K., with their banking system you can send money to any person or company using a sort code & account (similar to our routing # and account) - and it's free, simple, and reaches the other account within 2 hours.   You can include invoice #s, etc.   It's the same banks that we have over here (HSBC, Citi, etc), I imagine the only reason why they haven't rolled it out over here is because they make a lot of $$$ off of wires in the US (similar concept but we pay $30-60 per each domestic transfer and it can take days).  When my boss moved over here from UK and opened a personal bank account he was horrified to find out that the bill pay function in online banking sent paper checks and that you couldn't just send money to people/companies easily and immediately.  The infrastructure and technology is already in place at the big banks, but the banks make big fees off offering us archaic features and too few Americans realize it can be so much easier; until we legislate that banks offer us the better services that already exist elsewhere I doubt we'll get them.


Yes and no. It doesn't matter what you think, it often matters what you think other people think about Equifax. Or what you think a bank believes about Equifax. Given that their opinions are usually taken into account along with other bureaus, AND that their system was error prone already, I just don't see this Impacting them in any meaningful way beyond a big ugly lawsuit.   We really need a legal and regulatory mechanism capable of ending companies over this kind of crime against consumers. It's clear to me that without that, all we have is outrage. And outrage is meaningless.


Lowering spacer enables the car owner to adjust the front end of the car. The cars manufactured in the USA have much higher ride weight than European cars adhering to certain standards. Porsche car has a pair of torsion bar in the manner which cars can coil springs to support the front suspension.


That's the trick: it seems like they couldn't. Their rides are still heavily subsidized.   I don't think people will pay for Uber if it has a 2-3x price hike, and that's necessary just for them to break even.


"This is the best tl;dr I could make, [original](http://www.paulcraigroberts.org/2017/06/09/without-glass-steagall-america-will-fail/) reduced by 93%. (I'm a bot) ***** > The taxpayer insured deposits of commercial banking should not serve as backing for investment banking&#039;s creation of risky financial instruments, such as subprime and other derivatives.  > By merging commercial banking with investment banking, the repeal of Glass-Steagall greatly increased the capability of the banking system to create risky financial instruments for which taxpayer backing was available.  > Let your representative know that you do not want the financial responsibility for the reckless financial practices of the big banks.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ge9tu/america_needs_glasssteagall/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~140810 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*: **Bank**^#1 **financial**^#2 **Glass-Steagall**^#3 **out**^#4 **repeal**^#5"


Most of the people I know who started doing that shit did it because they knew they were just cheap labor and didn't need their wits about them. It comes from a lack of respect of the job and the fact that they don't want to be there. Habits like that happen because they get started and change jobs and keep bad habits, which means that on some level you can assume someone coming from a long time of blue collar work may have habits that affect their productivity in a white collar job, which is opposite from the point you're trying to make.


Just look at equity purchases and follow the corporate bond money trail.  80% of all stock purchases were made by the same companies that issued the stock and they used bond money to do so.  Everything is running off of near zero interest bond money.  Everything.  Notice how careful they are to use words like revenue instead of profit.  We never ever hear about P/E ratios now.  Meanwhile the financial news sites make up the craziest headlines to explain the constant upward momentum (Dow soars as Trump wipes properly for the first time this week).  The scope of manipulation is beyond anything we can comprehend.  Tech is one of the worst offenders.  We have bubbles everywhere now and plenty of fake ZIRP dependent jobs to go with them.


As someone fairly new to finance and investing in their 30s, the market is doing too well right now for me to use someone else to tell me how to invest the Sp500 alone is doing so well it is almost a can't miss. I am smart enough to know right now that it is easy and the real value if a financial planner comes when the market is going down. Which is impossible to predict.


"You should read up on FTAs. But be aware that they now I think kept secret.. previously, they were intentionally made to be ***so complicated and contradictory*** as to be almost incomprehensible.  for example, look at the difficulty in figuring out [what public services are exempted](http://www.iatp.org/files/GATS_and_Public_Service_Systems.htm) from GATS mandate to privatize- and what isn't.   But, basically, ""everything that you cant drop on your foot"" is a service. To understand TiSA, you first need to understand GATS, its predecessor.  Here are two short videos- probably clearer than most.  GATS: https://www.youtube.com/watch?v=9oR5ecPE0dE  (GATS is also arguably the real reason US healthcare is so terrible now. Because they want to get top dollar for drugs and insurance services, we literally have to get the worst deal of all.)  TiSA: https://www.youtube.com/watch?v=2_pPqnbXpA4"


I'm assuming that you don't have any technical background to assess the validity of the story.  I can tell you that the wells that are in question are an entirely different animal than deep gas bearing shales.  Those wells were less than 3,000' deep and wells are no longer fracced using the chemicals found.


Not the original commenter, but I'm not quite sure how I-baLL's investment in Apple is immature, nor how it affects you. Grow up? For all you know he has a heavy investment in Apple stock and it is important for him to be aware of internal goings-on.   Fanboy bashers are just as bad as the fanboys. Let people enjoy what they want to enjoy, especially when it has zero impact on your life.


It certainly creates an opportunity for the re-distribution of wealth.  Money will be transferred from insurance companies to construction companies.  Businesses that go under will be replaced by ones that survived. Some companies will make a profit out of this, but as you have already figured out, no new wealth is created by the disaster.  (Although lots has been destroyed, so we are looking at a net loss.)


"What's just crazy is when apps like Taco Bell and Marcus Theaters only gave the ""Always"" and ""Never"" option. Instant delete.  Unfortunately I am sure it's working for them and they have 600,000 clueless users feeding their metadata horde."


"> That is a matter of opinion. Obviously, I disagree with that sentiment. Do you have a reason behind it?  No. False. ""Taxation is theft"" is an empirically true statement. It is not an opinion. It is a fact.  Theft is taking of another person's property (in this case income) without that person's permission or consent, usually by coercion. Coercion is using force or threats of violence to persuade someone to do something. So a tax is coerced contribution to state and/or federal revenues. Therefore taxation is theft."


"people are willing to pay higher premiums for options when stocks go down. Obviously the time value and intrinsic value and interests rates of the option doesn't change because of this so the miscalculation remainder is priced into the implied volatility part of the formula.  Basically, anything that suggests the stock price will get volatile (sharp moves in either direction) will increase the implied volatility of the option. For instance, around earnings reports, the IV in both calls and puts in the nearest expiration dates are very high. When stocks go down sharply, the volatility is high because some people are buying puts for protection and others are buying calls because they think there will be a rebound move in the other direction. People (the ""sleep-at-night"" investors, not the derivatives traders ;) )  tend to be calm when stocks are going up, and fearful when they are going down. The psychology is important to understand and observe and profit from, not to quantitatively prove. The first paragraph should be your qualitative answer"


You could also look at your growth in online subscribers as a metric for valuing your company. A progressive increase in subscribers is one of the signs of a healthy online business, and vice versa. Your subscriber growth, site visitations, returning customer percentages and other subscriber based metrics should not be ignored when valuing your company.


"One other aspect of this is that the bank will plan to eventually approach the merchant that they are sending paper checks to and say ""why don't you sign up with us and give us your ACH info, and we won't send you checks?""  And a lot of merchants will say ""sure"", because someone has to open those checks and take them down to the bank, and that isn't free.  And that time while the money is in the mail, or sitting on someone's desk to be deposited, that is money that isn't working for you.  So everyone wins."


There are several paths of study you could undertake. If you want to learn the fundamentals of the stock market and become a financial analyst, then finance, economics, and accounting (yes, accounting) are all good to study either on your own or in an institution. Furthermore, if you want to study a specific industry, it can't hurt to know a fair amount of the science behind that particular industry. For example, if you want to understand the pharmaceutical or biotechnology industries, knowledge of clinical trials, the FDA's approval process (in the US, at least), off-label uses for drugs, genetic engineering, etc. are all good to know. You don't have to become an expert, but having a firm grasp on the science is extremely useful when evaluating a company's prospects. If you're interested in becoming an algorithmic trader or a quant, then physics, certain fields of engineering, signals processing, applied math, computer science, or econometrics will get you much farther than a standard finance or accounting degree. Most people can learn the basics of finance; not everyone can learn advanced mathematics. A lot of the above applies to learning about the forex market as well. Economics is certainly helpful, especially central bank policy, but since the forex market is so massive and liquid, many mathematical tools are necessary because algorithms play a key role as well. Per littleadv's suggestion, an MBA with a concentration in finance may be an option for someone who already has a degree. Also, an MSF (Master of Science in Finance) or a degree in financial engineering (called an MFE, or ORFE, for Operations Research and Financial Engineering) are other, potentially better options for someone pursuing a more technical career. A high-octane trading firm may not care that you've taken marketing and management classes; they want to hire someone who can understand complex algorithms and design and implement new ones quickly.  Some MSF programs are pre-experience programs, which means that in exchange for taking more time to complete, they don't expect you to have significant work experience in the financial industry. An MBA might require such experience, however.


High risk foreign debt is great until the bottom falls out of the market when the government default on debt or revalues currency. If you do this, you should be able to sustain near total losses of principal and interest.


Once the loan is taken out, Chase would turn around and sell that debt to others, getting all their money upfront and leaving both the person who took the loan out and the new creditor holding the bag.  I worked for a company that used to do this with loans for other things.  They company was Norvergence and were complete scumbags.


"1. **[National Suicide Prevention Lifeline, http://www.suicidepreventionlifeline.org](http://www.suicidepreventionlifeline.org ""National Suicide Prevention Lifeline, 1-800-273-8255"")**      **Call toll-free in the United States: 1-800-273-8255**      **Chat: [http://www.suicidepreventionlifeline.org/GetHelp/LifelineChat.aspx](http://www.suicidepreventionlifeline.org/GetHelp/LifelineChat.aspx)**  2. ""[For long-unemployed, hiring bias rears its head](http://www.seattlepi.com/news/article/For-long-unemployed-hiring-bias-rears-its-head-3428844.php)"" by Stephen Singer, published on 23 March 2012: http://www.seattlepi.com/news/article/For-long-unemployed-hiring-bias-rears-its-head-3428844.php  3. ""[The Anxiety of Unemployment](http://opinionator.blogs.nytimes.com/2012/05/21/control/)"" by Dominick Brocato and DW Gibson, published on 21 May 2012: http://opinionator.blogs.nytimes.com/2012/05/21/control/  4. ""[Long-term unemployment crisis rolls on](http://money.cnn.com/2012/06/11/news/economy/long-term-unemployment/index.htm)"" by Charles Riley, published on 11 June 2012: http://money.cnn.com/2012/06/11/news/economy/long-term-unemployment/index.htm  5. ""[Philadelphia Woman, 73, Says Age Has Kept Her Unemployed for Two Years](http://abcnews.go.com/Business/73-year-philadelphia-woman-testifies-age-discrimination-job/story?id=16352837&singlePage=true)"" by Susanna Kim, published on 16 May 2012: http://abcnews.go.com/Business/73-year-philadelphia-woman-testifies-age-discrimination-job/story?id=16352837&singlePage=true"


To whom is all this debt owed? I would imagine the US gov't, meaning we're really saying that the Federal government and US taxpayer are slowly easing into the role of subsidising post-secondary education, just as state governments fund primary and secondary (though without legislative or judicial action to make the added debt support explicit).  I thought most professors were supposed to be socialist anyway...you'd think they'd take on the needier students for free.


>Not even close. 1.1Trillion/year deficit is NOT related to taxes, it's related to increased spending  Really?  I kinda thought it had something to do with [losing 2.6 million jobs in 2008](http://money.cnn.com/2009/01/09/news/economy/jobs_december/).  Now that's a lot of revenue gone!  Oh also the bush tax cuts  >How much in additional taxes could we take in? 100 billion conservatively?  So almost 10% of our deficit?  I'd say that's a good start.  I do agree we spend way too much on the pentagon, but pretty sure that went up a lot without our two unfunded republican wars.  There's also the unfunded Bush Medicare prescription drug plan.  You can't seriously think putting those people back in charge will lead to good things.


/u/NotMyRealFaceBook  As a sniff test, I threw the following assumptions into a Black-Scholes options pricing calculator:  * Stock Price and Strike Price = $200  * Valuation date = 10/31/2017  * Expiration date = 10/29/2027 (European style - no early exercise)  * Volatility = 20% (on the low end for a tech. company - but again see the non-log-normal assumption point above)  * Interest rate = 4% (on the high end - which means the option seller is over-charging you)  * Dividend yield = 0%  The calculator's theoretical call option price results in $82.  Unless the company in question has a materially skewed upside given today's starting valuation, my opinion is the options you are offered are being priced via a Black-Scholes model and are over-priced.


"Not that I'm defending the longstanding tradition, but at least there's a strong correlation between wealth and education. They'd obviously be biased and I in no way actually support it but there's *some* kind of rational defense of that practice. /u/ballzwette basically just said ""He's rich fuck this guy,"" and that's it."


(At least in the UK) a company named Card Factory has been very successful in undercutting the competition using the classic pile 'em high and sell 'em cheap strategy with less glamorous high-street locations than 'traditional' stores. Interestingly it doesn't seem to have spawned either competition at their price point or lowered the general prices for greetings cards even in low-margin businesses like supermarkets. A quick glance at their annual report suggests they're doing reasonably well with this approach.


"A currency devaluation isn't a hard default, please don't confuse the two. Although most times a sizable devaluation does lead to default and usually most successful defaults are accompanied by a devaluation.   Here is an [article](http://www.mindfulmoney.co.uk/wp/shaun-richards/how-the-necessary-greek-devaluation-and-default-should-and-hopefully-would-happen/).   >There's nothing positive coming from breaking up with the world's monetary system, any positive results that you get could be obtained with much less suffering by doing whatever austerity measures you need in order to honor your debts.  I'm sure Greece would love to do that if they could. You really think Greece with a GDP to Debt ratio of 164% (as of 2011) is going to be able to pay back it's debts in a orderly fashion? Come on. Austerity is only going to result in recession/stagnation and at best slower growth and since they are getting loans from the IMF/EU - they are taking on even more debt! So they are being put into a position of no economic growth while expanding their debt burden - yeah that's really sustainable! ;).   >AFTER the ""evil capitalists"" took power and privatized the state corporations the situation started to improve  Just because I think the most viable option for Greece is a currency devaluation does not make me a ""evil capitalist""."


Saddlesinc manufactures Awning for affordable home accessories that enhance a beautiful home that help to reduce energy cost, redirect rain and protect your home from suns damaging UV rays. These are currently a large of Awning Manufactures in Bangalore. That is why for each kind of ornamental and protecting want for the properties outside elbow room, retractile and motorized sunshade to fit your specific desires.


They are contractually agreeing to terms that govern how penalties apply to a deposit that involves how wedding party guests review the hotel on Yelp.  Its certainly possible to challenge this in court, but it isn't a first amendment challenge.  Maybe something more like just disputing the charges and asking the hotel to prove the review was left by a particular wedding party member.


Yes it's a very specialized profession. Like extremely specialized. I've read in the WSJ a number of times that finance is unsurprisingly moving in a more intellectual direction, so i feel having this license in the long run may really pay off.  Thank you for your two cents. I especially like the Board of Directors bit. I really don't know if that is a good reason to dedicate my life to becoming an actuary.


This is more a question for /r/personalfinance, but I'll answer it anyways. Just use the RATE formula in excel.   =RATE(numperiods,monthly payment,amount financed)*12  Just make sure the number of periods is in months, the payment is negative, and to multiply the whole thing by 12 to get the annual interest rate.


He's trying to create a compensation system that is as fair as possible.  >I can see certain benefits too, but look - as an employee, I want to work in an environment where I can advocate for myself and, occasionally, negotiate for better compensation. **Some people aren't good at these things, and frankly, that sucks for them. I'll eat their lunch if they let me.**  What you're saying is you want to work at a place that rewards the skills **you** have.  This is a very selfish perspective, but at least you're honest about it.  Of course you want to work somewhere that pays you more than other people.  However I don't see how it benefits the company to reward employees that are good at negotiating salary.  I'd rather have employees that are good at making product.


This has been happening for a long time.  I know a lot of people are happy that they have a job where they only work 9-6.  Many white collar jobs have turned 9-5 into 9-6 and with no unions and high unemployment everyone just deals with it.


> So in natural cases competition would be healthiest way but i don't believe other firms can emerge in this markets  Just because you believe they can’t doesn’t mean they can’t. We have to prove doing so is infeasible.  > and amazon could kill real life retailers in 10-20 years time.  That’s not very compelling. Walmart did so faster in the 90s. Customers eventually started drifting to alternative merchants. In the case of Amazon retail sales, one competitors is AliExpress. Google is an advertising company and there are plenty of those around. Facebook is a social media platform and several competitors exist in that arena.


Put yourself in this position - if you had no debts and no investments, would you borrow money at those rates to invest in the stock market?  If no, then pay off the debts.  If yes, then keep them.


> Most all chemicals are found in nature.  I prefer no ammonia in my meat. And I prefer my apples and bananas to have the fewest pesticides and herbicides as possible as well.  You are free to eat as many chemicals as you want and I am free to eat food without as many as I want.   You ALWAYS challenge people, but do you really have any proof that ammonia washed meat is better for people?  Do you have any proof that organic fruits are worse for people?


Any person at any time may produce their own currency, one can even do so on the back of a paper napkin, ripped beer coaster or whatever.  This is NOT a banking privilege, it is within the lawful ability of anyone capable of engaging in commerce. It is called a 'negotiable instrument' ... it gives the holder rights to a sum of money.  Notice that I say 'holder' ... this is what distinguishes it from a non-negotiable instrument, the fact that you don't need to redeem it from source, you can pass it to another who then becomes the 'holder in due course' and thus obtains the rights conferred. The conferable rights over a sum of money (or, indeed, other asset) are themselves 'value' Do banks do this ?  Yes, all the time! ... one of the simplest examples are cheques drawn against the bank, which are considered 'as good as cash'.  Usually they will be drawn out to the order of the person you wish to pay ... but can equally be drawn out to bearer.  The only reasons they resist making out to bearer is : But you can write your own at 'any time' on 'any thing' ... See the apocryphal, yet deliciously entertaining, tale of the 'negotiable cow'


"You said all terrorists are Muslims, which is not true at all because most acts of terror comes from right winged population (most common are the burning down a refugee house and personal attacks on diffrent looking guys) At least in Germany, dont know about other countries but i can not imagine it much different.  Cause and effect and quantity? is a terror attack more harmful if more people heard of it ? Effect on who ? I can imagine you talking in public is pretty scary for foreigners. (which is the point of the hate speech topic). Lets not drag the refugee topic in here too because its very complicated. Just for your information im very much in favour of fighting the cause of immigration and helping where it is needed and not letting millions walk thousands of miles to get to safety of to make a living. Funny how your mind works. Criminal immigrants are not accepted in Germany by the way and if they get criminal here they get deported. The crime rate of the refugees is actually a bit lower then the rate of the rest of the population, so not big a problem. (which makes sense if you think about it. It was hard to get here and they dont want to go back).   ""Do you think a rightwing would attack Muslims if they did not attack westerners? Do you think rightwing attacks are more than Muslim attacks? Are they even 1% of all attacks and harm?"".     THIS IS THE CORE PROBLEM I AM TALKING ABOUT. THIS IS WHY MILLIONS OF GERMANS SLAUGHTERED THE JEWISH POPULATION. THIS IS THE RESULT OF HATE SPEECH AND HARD RIGHT PROPAGANDA. The difference between now and then? Swap jew with muslim!!! "" the muslims are to blame for the crime rate/ attacking our women / the bad economy. It is exactly the same mindset. People then were no different then people now. They did think they help germany by getting rid of those ""pests"". Most of them did nothing at all and after the war they said they didn't know about any attacks or killings of jews. Needles to say that the actual crime rate if jews in Germany was no different then the non jew crime rate just as it is now with muslims. The overall crime rate rise significantly though since the start of the refugees crisis as a result of massive right wing activity. You said you hate nazis a while back. I don't think you know what a nazi is and sure enough i called you one and you did not deny. My friend i was wrong about you. You are a helpless cause with terrible arguments based on prejudice and hate. I still did enjoy this conversation because it was a) mostly civil and b) gave me a very good look into the mindset of a nazi. You may be happy to here that i realized while researching the topic that the problem of nazis is much bigger then i have thought and i can not ignore it anymore and have to join the fight. Good day to you and may reason catch up to you in your future life."


You make a great point. For a large part of America, their support for Trump was reactionary, not based on his qualifications.   For better or for worse, is a bad electoral strategy it alienate voters with valid criticisms of a celebrity they like. Like you say, they will just stop listening. Instead they will react with an intense desire to stick it to those dirty liberals for being mean, and elevate that priority above the well-being of the republic.


"This is a clever add for Sourcify, but I like the thinking behind it.   While it may not ever lead to a solid business, I find meme chasing to be fun and would consider it to be more of a hobby than a career.   Like when everyone was making ""left shark"" costumes after Katy Perry's superbowl performance.  Just like with this, you make a few bucks, then you get a legal threat.   Is there a community of merchandise meme chasers?  If so, I would like to join."


This kid gives a good summary of the silver market as it currently stands, and why you should own the physical:  https://www.youtube.com/watch?v=oAK9ohz9h7M  But yes, you will do well to have bank accounts in China and Switzerland, diversifying into yuan and francs... and also jurisdictionally diversifying.


If you want to put in $1000 into penny stocks, I wouldn't be calling that investing but more like speculation or gambling. You might have better odds at a casino. If you don't have much money at the moment to invest properly and you are just starting out as an investor, I would spend that $1000 on educating yourself so that by the time you have more money to invest you can come up with a better investment strategy.


It's an over-the-counter stock quote system. Read all about it. Or visit it.


"A 100% stock dividend means that you get one share of the ""stock dividend"" for every share you own. For example, Google did this in 2014 when they gave all of their Class A shareholders one class C share for every Class A that they owned. If the 100% stock dividend is for the exactly the same stock, it is basically the same as a 2-for-1 stock split. If, however, the 100% stock dividend is to give you a different stock, then this is typically due to a corporate reorganization or demerger/spinoff event. Some countries have different tax treatments for the events - for example, with demergers in Australia, Class Rulings need to be obtained from the Australian Taxation Office to declare demergers as tax free.  A recent demerger was in Australia as South32, demerged from BHP Billiton. References: http://economix.blogs.nytimes.com/2014/04/02/the-many-classes-of-google-stock/ http://www.bhpbilliton.com/investors/shareholderinfo/demerger-taxation-information"


"Nominal size versus actual size. Idealistic soft handed lawyers making stupid assumptions about carpentry. Next thing you know they are going to go after women's dress sizes. Or plumbing fittings.   Plumbing pipe has little to do with either inside diameter or outside diameter. Its a confusing mishmash of outside diameter in some materials like copper and inside diameters in materials like iron pipe and rigid pvc that have grown up over the years. In copper the outside diameter is about an eighth of an inch larger than the nominal size in inches. While in iron pipe sizes, the outside is an inconsistent and somewhat arbitray size about a quarter inch larger than the nominal pipe size in inches.   Before you know it they are going to complain that nails are sized according to ""pennies"", but a pound of 16 penny nails isn't being sold for 16 pennies a pound."


I'm pretty sure that even with that import tariff it's still cheaper. Also, isn't China going to try an have a more environmentally friendly future? Might mean they are preparing for the Asian market more than the western market.


Proposed solutions 1 and 3 sound like extra work. Is a dual-file system something that you and your wife will be willing to maintain? Having separate files may better reflect your financial structure, but be sure that the expense of added time and overhead is worth it to you in the long run. You could track your own accounts, your wife's accounts, and your joint accounts in the same Money file (solution 2). Getting married can be a simple matter of adding the wife's accounts and recording transfers as money flows into joint accounts. This would make transfers between accounts easy to record and would afford easy reporting of overall income and spending. To maintain a degree of continuity for your own accounts, customize some reports to exclude your wife's accounts and joint accounts. A note about Microsoft Money I think Microsoft Money is fantastic and I have no plans to stop using it despite the fact that Microsoft killed the product line. All Money users should be made aware of the free Sunset version that requires no online activation. Also check out PocketSense, a collection of free Python scripts that can download transactions from some banks directly into Money. I use and highly recommend both.


"The primary tax-sheltered investing vehicles in Canada include: The RRSP. You can contribute up to 18% of your prior year's earned income, up to a limit ($24,930 in 2015, plus past unused contribution allowance) and receive an income tax deduction for your contributions. In an RRSP, investments grow on a tax-deferred basis. No tax is due until you begin withdrawals. When you withdraw funds, the withdrawn amount will be taxed at marginal income tax rates in effect at that time. The RRSP is similar to the U.S. ""traditional"" IRA, being an individual account with pre-tax contributions, tax-deferred growth, and ordinary tax rates applied to withdrawals. Yet, RRSPs have contribution limits higher than IRAs; higher, even, than U.S. 401(k) employee contribution limits. But, the RRSP is dissimilar to the IRA and 401(k) since an individual's annual contribution allowance isn't use-it-or-lose-it—unused allowance accumulates. The TFSA. Once you turn 18, you can put in up to $5,500 each year, irrespective of earned income. Like the RRSP, contribution room accumulates. If you were 18 in 2009 (when TFSAs were introduced) you'd be able to contribute $36,500 if you'd never contributed to one before. Unlike the RRSP, contributions to a TFSA are made on an after-tax basis and you pay no tax when you withdraw money. The post-tax nature of the TFSA and completely tax-free withdrawals makes them comparable to Roth-type accounts in the U.S.; i.e. while you won't get a tax deduction for contributing, you won't pay tax on earnings when withdrawn. Yet, unlike U.S. Roth-type accounts, you are not required to use the TFSA strictly for retirement savings—there is no penalty for pre-retirement withdrawal of TFSA funds. There are also employer-sponsored defined benefit (DB) and defined contribution (DC) retirement pension plans. Generally, employees who participate in these kinds of plans have their annual RRSP contribution limits reduced. I won't comment on these kinds of plans other than to say they exist and if your employer has one, check it out—many employees lose out on free money by not participating. The under-appreciated RESP. Typically used for education savings. A lifetime $50,000 contribution limit per beneficiary, and you can put that all in at once if you're not concerned about maximizing grants (see below). No tax deduction for contributions, but investments grow on a tax-deferred basis. Original contributions can be withdrawn tax-free. Qualified educational withdrawals of earnings are taxed as regular income in the hands of the beneficiary. An RESP beneficiary is typically a child, and in a child's case the Canadian federal government provides matching grant money (called CESG) of 20% on the first $2500 contributed each year, up to age 18, to a lifetime maximum of $7200 per beneficiary. Grant money is subject to additional conditions for withdrawal. While RESPs are typically used to save for a child's future education, there's nothing stopping an adult from opening an RESP for himself. If you've never had one, you can deposit $50,000 of after-tax money to grow on a tax-deferred basis for up to 36 years ... as far as I understand. An adult RESP will not qualify for CESG. Moreover, if you use the RESP strictly as a tax shelter and don't make qualified educational withdrawals when the time comes, your original contributions still come out free of tax but you'll pay ordinary income tax plus 20% additional tax on the earnings portion. That's the ""catch""*. *However, if at that time you have accumulated sufficient RRSP contribution room, you may move up to $50,000 of your RESP earnings into your RRSP without any tax consequences (i.e. also avoiding the 20% additional tax) at time of transfer. Perhaps there's something above you haven't considered. Still, be sure to do your own due diligence and to consult a qualified, experienced, and conflict-free financial advisor for advice particular to your own situation."


People can lie, documents can be falsified, details can be omitted, etc. People will go through a lot to make $92,000.  Why doesn't she provide her brother with the necessary funds? If it's such a great investment, it will pay off right? And she's a rich celebrity too?  I know so little about your situation but the little I know doesn't add up.


This is primarily opinion based. It is like predicting what will happen in future, similar to predicting the value of stock. This is interesting topic on a coin discussion forum like WOC My question is whether moving the coins out of the Whitman folders (some of which are in serious disrepair) to the stapled pockets will adversely affect their value? Whitman folders are for basic collectors to know what to collect and easily show what is missing. These are not great way to preserve coins. Infact good quality coins should never be put into such folders. There are quite a few ways to store coins, Stapled flips ... now one also gets self adhesive flips. Coin Capsules or Archival grade envelops. It depends on the value of coin and how long you want to store these and where are the coins kept [moisture, humidity, pollutants are bad for coins]


>You default on a loan, student or otherwise, by not paying.  Student Loan debt, backed by the government, means the government can garnish any wages you make, or otherwise put liens against property you own to secure the debt.  You have no say in the matter.


i think you're right regarding Amazon, but overall the grocery sector is experiencing a price battle especially with chains like Aldi and Winco expanding. Now with Amazon throwing their hat in the ring, I think their muscle and reach puts more downward pressure on prices sector wide even if this is just temporary penetration pricing. will be interesting to see how this plays out.


Fundamental rule of investing money : Now come to the point, best money investment


Yes, I agree on that and it would have been a better lead. It’s a better story saying tech companies are having a hard time hiring because of the high cost of housing than trying to hammer in the idea that the bay area is losing jobs.


AFAIK money is a fiat currency. The penny is only worth what the US government says it it worth. If I choose to have my coin material made into pennies then I face an opportunity cost because I could of used that copper elsewhere. If a penny worth of copper is worth 1.8 cents and I choose to make it into a a coin with a value of 1 cent then my opportunity cost is .8 cents.  The whole point of a fiat currency is to take the actual material value of the money out of the equation. A gold coin back before fiat currencies was worth its weight in gold. This would be like saying that you are going to nominally change the value of your gold coin into a coin worth half of its weight. Its weight(value) is equal to 1 gold coin but its spending power is equal to 1/2 a gold coin.  Do you lose value? Of course not. Do you lose spending power? YES Fiat currency is all about spending power, the value is fictional.   When I make the spending power less than the value the purpose of a fiat currency breaks down.


I'm sorry, but what evidence do you have that maps was free for Apple? They most certainly had some form of structured agreement in place, covering if nothing else development and support of the maps iOS client, but if I had to guess, a whole lot more.


"Brokers need to assess your level of competency to ensure that they don't allow you to ""bite off more than you can chew"" and find yourself in a bad situation. Some brokers ask you to rate your skills, others ask you how long you've been trading, it always varies based on broker. I use IB and they gave me a questionairre about a wide range of instruments, my skill level, time spent trading, trades per year, etc.  Many brokers will use your self-reported experience to choose what types of instruments you can trade. Some will only allow you to start with stocks and restrict access to forex, options, futures, etc. until you ask for readiness and, for some brokers, even pass a test of knowledge. Options are very commonly restricted so that you can only go long on an option when you own the underlying stock when you are a ""newbie"" and scale out from there. Many brokers adopt a four-tiered approach for options where only the most skilled traders can write naked options, as seen here. It's important to note that all of this information is self-reported and you are not legally bound to answer honestly in any way. If, for example, you are well aware of the risks of writing naked options and want to try it despite never trading one before, there is nothing stopping you from saying you've traded options for 10 years and be given the privilege by your broker. Of course, they're just looking out for your best interest, but you are by no means forced into the scheme if you do not wish to be."


Here's what Investopedia says about payouts for ex-dividend stocks: A stock trades ex-dividend on or after the ex-dividend date (ex-date). At this point, the person who owns the security on the ex-dividend date will be awarded the payment, regardless of who currently holds the stock. After the ex-date has been declared, the stock will usually drop in price by the amount of the expected dividend. Read more: Ex-Dividend Definition | Investopedia http://www.investopedia.com/terms/e/ex-dividend.asp#ixzz4Nl4J3s4k  I hope this helps. Good luck!


I am currently a college student and as a part time hobby/business I buy used cars from bank repossesions and flip them. In the past three months I have noticed brand new cars (less than 5000 miles on them) flood the local auctions.


"There is a white paper on ""The weekend effect of equity options"" it is a good paper and shows that (for the most part) option values do lose money from Friday to Monday. Which makes sense because it is getting closer to expiration. Of course this not something that can be counted on 100%.  If there is some bad news and the stock opens down on a Monday the puts would have increased and the calls decreased in value. Article Summary (from the authors): ""We find that returns on options on individual equities display markedly lower returns over weekends (Friday close to Monday close) relative to any other day of the week. These patterns are observed both in unhedged and delta-hedged positions, indicating that the effect is not the result of a weekend effect in the underlying securities. We find even stronger weekend effects in implied volatilities, but only after an adjustment to quote implied volatilities in terms of trading days rather than calendar days.""  ""Our results hold for puts and calls over a wide range of maturities and strike prices, for both equally weighted portfolios and for portfolios weighted by the market value of open interest, and also for samples that include only the most liquid options in the market. We find no evidence of a weekly seasonal in bid-ask spreads, trading volume, or open interest that could drive the effect. We also find little evidence that weekend returns are driven by higher levels of risk over the weekend.  ""The effect is particularly strong over expiration weekends, and it is also present to a lesser degree over mid-week holidays. Finally, the effect is stronger when the TED spread and market volatility are high, which we interpret as providing support for a limits to arbitrage explanation for the persistence of the effect."" - Christopher S. Jones & Joshua Shemes You can read more about this at this link for Memphis.edu"


Unlikely. They believe they are starting a business, on the path to the American dream. And they can do it from home in their spare time while the kids are asleep. That's how it's sold to them. The reason people play the lottery is for the hope that they will become instantly rich. Different.   Is success in business as delusional as winning the lottery? Maybe. Would be interesting to calculate and compare the expected value of each.


They didn't license it from themselves. They licensed it from another business entity. Cross-entity charges are common.  > But as a citizen and a taxpayer, I don't want global corporates to get away with tax evasion.   Then you should be voting for Romney then, as a major part of his platform is to restructure the tax code to discourage this.


This story illustrates the dumb wrong way to acquire junk cars! Four people were arrested Friday for allegedly attempting to steal a junk car to sell for scrap, and one of the four was also charged in a previous similar case, police said.


There are many reasons, some already covered by other answers. I have a blog post on the issue here, and I'll summarize:


"What are you talking about?????  I think you got lost in the conversation.   My shit IS done.  The point that was being made is that not everyone has the freedom to quit their jobs when they would like and it can be for all kinds of reasons, many reasons.  The suggestion that one could just save up their ""nut"" and quit are the words of someone young who has never had obligations beyond themselves.  It's a naive suggestion.  I was talking about a situation I was in two years ago.  And I found another job, which had health insurance and left the crap place where I was working.  Quit barking at me, Foolio."


I believe it's just to limit the less well-off from acquiring one. If your credit history and income do not support a $15,000 credit limit, then don't even think about applying for an Altitude Black card. If they do, then don't bother with a student card. It's primarily about market segmentation by wealth or income.


I guess it depends on your bank. My bank (Rabobank) recently did introduce this feature. You don't get a card per category, though. Instead you set up rules to match each expenditure to one of the existing pots.


"I used the term ""bond fund"" to mean a mutual fund which invests in bonds. Vanguard has a list.  If you live in PA, OH, MA, FL, CA, NJ, or NY there are tax free funds you can invest in on that list."


At this time I would say that the electric car industry as a whole is too new to be able to invest in it as a sector.  There are only a handful of companies that focus solely on electric cars to create a moderately diverse portfolio, let alone a mutual fund.  You can invest in mutual funds that include EV stocks as part of an auto sector or clean energy play, for example, but there's just not enough for an EV-only fund at this point. At this point, perhaps the best you can do if you want an exclusively EV portfolio is add some exposure to the companies that are the biggest players in the market and review the market periodically to see if any additional investments could be made to improve your diversification.  Look at EV-only car makers, battery makers, infrastructure providers, etc. to get a decent balance of stocks. I would not put any more than 10% of your entire investment portfolio into any one stock, and not more than 20% or so in this sector.


By your logic, if a loan of £100 is new money dilutes your purchasing power, then the repayment of £110 is a reduction of the money supply that increases your purchasing power.  Indeed, ultimately the increase in purchasing power upon repayment is greater than the initial reduction, so you are 'better off' every time a loan is made and successfully repaid. The effect on you is tiny, but the collective benefit you get from all the loans being repaid with interest is more or less equivalent to the purchasing power reduction of the loans that are never repaid.  Therefore you do not lose out and are indeed compensated (in a tiny way) for the tiny risk you incurred. The bank incurs a substantial risk and is thus compensated in a substantial way.


Assuming your only income is withdrawals from the 401k, the thing that determines the tax rate on your 401k withdrawals is how much money you draw out of the 401k in a single tax year.  The money counts as income when you take it out.  If you withdraw $100,000 from the 401k in a single year, you'll be in a higher tax bracket than if you withdraw only $30,000 in that year, but your earnings in previous years are irrelevant.


Since there's no UBER or Lyft in VANCOUVER BC I tried out some taxi apps that did this, the wait times suck and the apps were clearly outsourced to the same company and essentially just recolored for the different company because it looked nearly exactly the same. When I hailed the taxi via the app the first app failed then their phone number didn't work, second app showed a taxi being a couple blocks away which mysteriously vanished as soon as I requested a taxi, showing no taxis near me. 2/10 would only do again if I had no other choice.


If you aren't ivy league you have no hope of getting on wall st in front office. You will not make it pass the first cut. If you have some contacts then perhaps. You will be able to get a job in back office fairly easily but I assume that is not the area you will want to be in.


I mean, it's hardly random. We're at the point where her father has a significant chance of not making it to the end of his first term. If it's impeachment (as opposed to say, a stroke), there's pretty good odds she's not coming out unscathed.