"all the other answers are spot on, but look at it this way. really all you mean when you say ""building equity"" is ""accumulating wealth"".  if that is the goal, then having her invest the money in a brokerage (e.g. ira) account makes a lot more sense.  if you can't afford the apartment without her, then you can't afford to pay out her portion of the equity in the future.  which means she is not building equity, you are just borrowing money from her.  the safest and simplest thing for you to do is to agree on a number that does not include ""equity"". to be really safe, you might want to both sign something in writing that says she will never have an equity stake unless you agree to it in writing.  it doesn't have to be anything fancy. in fact, the shorter the better. i am thinking about 3 sentences should do the trick. if you feel you absolutely have to borrow money from her on a monthly basis to afford your mortgage, then i recommend you make it an unsecured loan.  just be sure to specify the interest rate (even if it is zero), and the repayment terms (and ideally, late payment penalties). again, nothing fancy, 10 sentences maybe.  e.g. ""john doe will borrow x$ per month, until jane doe vacates the apartment. after such time, john doe will begin repaying the loan at y$ per month...."" that said, borrowing money from friends and family almost never turns out well. at the very least, you need to save up a few months of rent so that if you do break up, you have time to find another roommate. disclaimer: i do not have any state-issued professional licenses."


"I'll answer this question: ""Why do intraday traders close their position at then end of day while most gains can be done overnight (buy just before the market close and sell just after it opens). Is this observation true for other companies or is it specific to apple ?"" Intraday traders often trade shares of a company using intraday leverage provided by their firm. For every $5000 dollars they actually have, they may be trading with $100,000, 20:1 leverage as an example. Since a stock can also decrease in value, substantially, while the markets are closed, intraday traders are not allowed to keep their highly leveraged positions opened. Probabilities fail in a random walk scenario, and only one failure can bankrupt you and the firm."


Completely wrong. People are traveling less and Sears has chosen suburban malls requiring lots of space. Urban shopping malls (think Kohls, old navy, home depot, local grocery stores) are doing better, there is a uptick in buy local campaigns.   Also I think the economy is doing so well in terms of employment and wages have grown so little, that the desire and capability of many people to buy expensive and nice fridges and washer machines, watches and housewares because they a) have no time to enjoy them and b) would ratber spend the money on time saving/enjoyment. The retail companies that realize you need to entertain your customers and their families will win.


"Technical people on Reddit who have dealt with Oracle or similar web sites & systems (myself included) seem to believe that Oregon's claims come down to whether it was Oracle or the state government who was worse at planning the creation and maintenance of Oregon's healthcare web site.  I tend to think that government entities are often worse at managing & planning things, and therefore believe that Oracle would be less likely to blame, but this doesn't necessarily mean that all of the more than dozen claims for damages will all be thrown out either.  One key claim is that Oracle asserted that ~95% of the web site's functionality would work ""out of the box"", thus leaving only 5% of the web site's functionality requiring third party (potentially custom) integration.  The burden is on Oregon to prove that the failures of the web site were the result of more than that 5%, and that Oracle was contractually obligated to fix issues with the "">5%"" at no additional charge.  Failure to prove that would result in Oracle being justified in asking for more $ to fix the web site, such that the alleged racketeering and much of the fraud did not actually take place."


If the company loses money, do the workers have to dip into their savings to keep the company afloat? If not, isn't the sense of ownership a bit one sided (all the upside, none of the risk)?   Was the company founded as a co-op? If not, how was the transition made?


"Before you are married, I recommend keeping your finances separate.  However, once you are married, I recommend combining your finances completely. In my opinion, marriage works best when you work together as a team, a single unit.  You no longer have ""his money"" and ""her money,"" or ""his income"" and ""her income.""  Nor is there ""his debt"" and ""her debt.""  There is only ""our money,"" ""our income,"" ""our debt,"" and ""our budget.""   Indeed, if you are the one with less debt, isn't it in your household's best interest to help eliminate your spouse's debt as fast as possible?  If you are the one with more income/employment, how do you quantify the monetary value of the spouse who stays at home more and manages the household?  You can't, and it is best not to try.  Instead, pool together all income and expenses, and work together to meet common goals. To do this, open up a joint bank account and close your individual accounts. Meet on a regular basis to decide your household budget.  If you do that, it doesn't matter who is responsible for the mechanics of paying the bills or balancing the budget.  These tasks just get assigned to someone, just like any other household chore. Usually, one of you will be more financially minded than the other, and that person will take the lead in setting the budget, paying the bills, balancing the checkbook, etc.  However, it is important that both people are aware of what is going on and have access to the financial information.   In our house, I am the one who takes the lead on financial matters.  I pay the bills (out of our joint accounts) and set the monthly budget using YNAB software.  However, my wife has the ability to look at YNAB at any time to see the budget, and she can log into the bank website to see the transactions there as well.  No secrets. To be clear, we each have a small amount of cash/fun money that we can spend without worrying about checking in with the spouse on every little thing.  But this is a small percentage of our budget, and we talk to each other before spending any significant amount of money."


James Lisi, Founder & CEO of Increase Visibility, boasts 10+ years of experience in the field associated with Search Engine Marketing. Increase Visibility is an award-winning Internet Marketing Agency, located in Orange County, CA, which supplies their clientele outstanding Pay Per Click (PPC) advertising, Search Engine Optimization (SEO) results, Social Media Optimization (SMO), Reputation Management, Local along with Mobile campaigns. Our own client list includes Fortune One thousand organizations along with the medium-large sized companies.   James Lisi started Increase Visibility in 2003 soon after understanding that there was a large need for good quality Search Engine Marketing companies even though the internet was still evolving. He accumulated several well-known specialists to make a leading Digital Marketing firm within the field right now. James Lisi is focused on guaranteeing that Increase Visibility continues to be one of the leading digital marketing firms around the world.  http://www.increasevisibility.com/


Generally speaking, when you are asked whether you consent to a credit check, what is implied is that your identifying information is shared to enable that check.  Most credit nowadays (credit, mortgage, car lease, even cell phone accounts etc.) is simply unavailable without a credit check.


I would turn down a 20% raise in salary without thinking, if they would offer that I can have a 4 day work week. I even take a 10% cut for this!


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"You should call your plan administrator and ask. Few plans allow people to take a ""hardship withdraw"" after leaving because their is no way to pay the funds back since you are no longer working there. The repayment process is done via payroll deduction usually. Also you will most likely be required to withhold 20% for taxes from the 401k. There is no way to defer the taxation unless you take it  next calendar year. You may want to consider doing a rollover into an IRA and taking the w/d and you can do a 60 day rollover. You only get 1 per rolling 12 months now (rather than account do to a change in the rule.) IRA's (not 401k) do give you flexible withholding so you don't have to pay taxes today though they would still be in the tax year based on the calendar date taken out, so if you take it out in 2015 your going to be paying them at the end of this year when you file in April of 2016. Your question seems to be mixing characteristics of both 401k and IRA and while they are similar they do operate very differently."


First a couple of quick points. Many people have an IRA (of any type) and a 401K. Over your professional career, the retirement packages for every employer will be different.  For this year you don't need to decide on the Roth or not until April 15th. You will be able to put 2014 money into the account as late as April 15th 2015. You will have a better understanding of your job situation at that time. It is possible that your post-graduation employer doesn't offer 401K matching, or has high expense funds only, or has no 401k. Don't worry about retirement funds and dividend season. Yes if you invest right before the mutual fund issues the end of year dividend the price per share will go down. But in the retirement account you should just allow it to repurchase shares. In a non-retirement account the dividend would be a taxable event, which means you will end up sending money to the IRS. The retirement account avoids this issue.


With $7 Million at stake I guess it would be prudent to take legal advise as well as advise from qualified CA. Forex trading for select currency pair [with one leg in INR] is allowed. Ex USDINR, EURINR, JPYINR, GBPINR. Forex trading for pairs without INR or not in the above list is NOT allowed.


I wrote an article about this a while ago with detailed instructions, so I'll link to it here. Here's a snippet about how to use the Roth IRA loophole and report it properly: You don’t have any Traditional/Rollover IRA at all. You deposit up to the yearly maximum (currently $5500) into a traditional IRA. In your case, you re-characterized, which means you essentially deposited. The fact that it lost money may help you later if you have extra amounts in Traditional IRA. You convert your traditional IRA to become Roth IRA ($5500 change designation from Traditional IRA to Roth IRA).  You fill IRS form 8606 and attach it to your yearly tax return, no tax due. You have  a fully funded Roth IRA account. If you have amounts in the Traditional IRA in excess to what you contributed last year - it becomes a bit more complicated and you need to prorate. See my article for a detailed example. On the form 8606 you fill the numbers as they are. You deposited to IRA 5500, you converted 5100, your $400 loss is lost (unless you have more money in IRA from elsewhere). If you completely distribute your IRA, you can deduct the $400 on your Schedule A, if you itemize.


Although I am not a tax professional, and in this case you would be better off with a professional advice, my understanding (at least of Arizona, New York and California individual tax regulations that I've been dealing with) is that you only pay taxes in the state in which you're domiciled.  Lottery winnings are payed by States/State-run corporations and as such sourced to the State that pays it. Buying a ticket in SC links you to the lottery run in that State, even if you live in another. You'll be claiming your winnings in SC, not in NC, and the winnings will be sourced to SC, not NC. As such SC will be taxing them. NC will be taxing them as well, since you're NC resident.


Yes, there are a bunch. I have used Paypal and it worked quite nicely. I see endless ads these days for Square, a tiny card reader that you plug into a smartphone that lets you swipe the card. (With Paypal you have to type in the credit card number.)


One place you might consider looking for answers is in case studies from Harvard Business School.  When I was working an MBA, we studied the default of Argentina as part of our economics coursework. Other sources for your consideration might include:


Through your question and then clarification through the comments, it looks like you have a U.S. LLC with at least two members.  If you did not elect some other tax treatment, your LLC will be treated as a partnership by the IRS.  The partnership should file a tax return on Form 1065.  Then each partner will get a Schedule K-1 from the partnership, which the partner should use to include their respective shares of the partnership income and expenses on their personal Forms 1040. You can also elect to be taxed as an S-Corp or a C-Corp instead of a partnership, but that requires you to file a form explicitly making such election.  If you go S-Corp, then you will file a different form for the company, but the procedure is roughly the same - Income gets passed through to the owners via a Schedule K-1.  If you go C-Corp, then the owners will pay no tax on their own Form 1040, but the C-Corp itself will pay income tax. As far as whether you should try to spend the money as business expense to avoid paying extra tax - That's highly dependent on your specific situation.  I'd think you'd want to get tailored advice for that.


"Consultant, I commend you for thinking about your financial future at such an early age. Warren Buffet, arguably the most successful investor ever lived, and the best known student of Ben Graham has a very simple advice for non-professional investors:  ""Put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund. (I suggest Vanguard’s.)"" This quote is from his 2013 letter to shareholders. Source: http://www.berkshirehathaway.com/letters/2013ltr.pdf Buffet's annual letters to shareholders are the wealth of useful and practical wisdom for building one's financial future. The logic behind his advice is that most investors cannot consistently pick stock ""winners"", additionally, they are not able to predict timing of the market; hence, one has to simply stay in the market, and win over in the long run."


Why is it so hard for people to shed their partisan blindfolds and embrace this simple fact: if you pay the middle class and the poor less, there will be less internal demand. It's basic economics, basic arithmetic really.   What happens when the rich gain an extra dollar? 90% of it goes into some investment, like shares or hedge funds, and so out of the real economy.   What happens when the middle class gains an extra dollar? $0.95 gets spent into the real economy, and only the rest goes into savings.   Is it really that hard to understand the mechanics of this, and do the impact of riding inequality?


The numbers are presented by his underling. If they were baseless or intentionally false (like claims by several of his past secretaries) then you hold the executive accountable.  That's how management works.  I'm not asking him to be an expert, I'm asking for him to have a reliable staff.


Yes I certainly enjoy Perry Mason , also Colombo . Also NCIS and Burn Notice , and not forgetting a lot of the oldies - Miami Vice , Hart to Hart , Maverick ... . I certainly wouldn't mind revisiting quite a lot of the old detective shows . There is also the science fiction - Battlestar Galactica , V , Alien Nation - all the original series . And then there is all the UK series - Only Fools & Horses , A Touch of Frost , Wycliffe , Last of the Summer Wine , Dads Army , The Professionals , Foyle's War etc . However these can be obtained on DVD - hence why bother with TV ?! - except for the expense .


In October 2011 in the United States, you just don't have any options.  Save your money in a savings account and that is the best you can do.  Your desire to buy a house means you are a saver not an investor, and you risk tolerance on this pile of money is 0. Save it in a bank account; I highly doubt chasing an interest rate will pay off with any significance. (being highly dependent on your opinion of significant)


Bloomberg is really just a huge database.  You can look up just about anything you need to know.  Launchpad is much better than the old NW market monitors.  The Excel API is useful.  If it wasn't where all my brokers are I would consider something different like Eikon.  It has some limitations but it's a useful system and parts of my job would be a pain without it.


Part of the real problem with Trump and his supporters is that they don't believe anything, regardless of the source. nearly 100% of scientists agree that the climate is warming due to human activity, but they still question it. 100% of biologists accept evolution and still the trump crowd don't accept it.  Is this media bias site perfect...? of course not. But it rings true, is checked by multiple sources, and is maintained by media reviewers. It may be the only reliable source.  But, I also quoted Forbes.


Yes, almost everything was custom, and was mostly\* well built.  It would almost\*\* work fine as a hydraulic press for industrial applications.  \*  There are things like the really impressive tapered roller baring on the wrong side.  Probably because the engineering firm wanted to show them off.  \*\*  Things like not being able to unlock the door when the power is cut is **NOT OK**.  As in, major injuries and massive laswuit not ok.  We're talking, it doesn't matter if the company is bankrupt, this is bad enough to go after the designers personally not ok.


Can you wait until you retire before needing the money? Will you buy your first house sometime in the future? If yes, then favour an RRSP. Remember that you are rewarded by paying less tax for having the foresight and commitment to defer income taxes until your retirement, when you are presumably earning less income. Are your household expenses higher than 28% of your gross income? 35% of your net income? Does making your mortgage payments stress you? Are interest rates lower than their historical norm and an increase would cause you difficulty? If yes, then favour your mortgage. Do you need this money before your retire? Does your TFSA earn more interest than your mortgage costs your? If yes, then favour a TFSA. Does an alternative investment earn more than your TFSA? Can you handle an uptick in your mortgage interest rate? If yes, then favour the alternative investment and not your RRSP, mortgage or TFSA.


"You need to elaborate a bit.       ""Cash"" just means physical currency, ie. bills and coins.       But cash is just an investment in currency.       Wealth is the ownership of *something*. Could be real estate, could be stocks, could be gold.       But your wealth has to be *somewhere*. And every investment has its risks and returns.       Imagine you had a million USD in the bank. And then ISIS carried out nuclear attacks on Chicago, LA, and New York.       You would still have a million USD, but you would be a lot less wealthy."


Netgear extender is widely used these days to expand the wifi signal of your existing main router. Mywifiext net setup page helps you to enter into the configuration settings and customising your extender. Send query on our helpdesk if you have any.


If you just need to fill out the basic forms. this post is really helpful and translates them to english as well as telling you which forms to fill out. http://www.toytowngermany.com/wiki/ELSTER . it really helped me out the last couple years. this year is of course tricky as i did some consulting back in the US and have to figure out the AUS form vs N AUS or what the deal is.  hope it helps


"Navigating in Windows takes way too many clicks. Find a way for me to get to what I want without digging and holding my mouse over things and then you'll help me realize my full potential.  I'm not going to learn to customize anything either. So develop your solution around that; Get the user what he/she wants without them having to explicitly tell you exact details.  Maybe you turn on something that watches how I interact and what programs I use. Maybe there's an ""App Store"" in the OS that only sets up what I've selected. Maybe millions of ideas - but solve that problem and you'll have a happier user.  Build the machine around the user's style. DONT force the user to make the machine work for them.  edit: I don't have a Mac so I don't know if that's how they work. But I did just get the iPhone 5 (from an Android) and God Damn that's the way a device should function. It's built around HOW I use the phone and I don't have to figure anything out or force it to work for me. It just works. Even after rooting and various tools the Android was still something that worked against me rather than for me."


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It's a map. I used it, I got lost.  It's well catalogued just how bad it was at launch. Anyone in charge of something as important as a map should not be releasing something so obviously inaccurate.  We're not talking a computer game here, we're talking navigational software. Their decision to release it in such a poor state exposed their lack of interest in accuracy. There is other map software out there that I trust, so I see no reason to take a risk.


Sheegan has a great explanation of how the TBA market contributes to  mortgage rates. The 30 Year Mortgage rates are closely tied to the 10-Year Treasury.  One can track this rate at many stock quoting sites using symbol TNX.


You can ask your employer for anything that you want. However, most employers, if they are contributing their own money into your HSA, or you are contributing to your own HSA through payroll deduction, only work with one HSA, which is much easier for them to manage. You are free to decline their HSA if you want.  However, if they are kicking in free money into your HSA, I don't recommend that you decline it.  Just pick the best option you have for investing. As for the money that you are contributing, if you don't want to put your own money into your employer's Aetna HSA, you can open up an HSA with any institution you like.  You can even do this and still keep Aetna HSA to take advantage of the employer's contributions.  However, your annual limit is still the total of all contributions to all HSA's in your name, whether you make them or your employer makes them. When deciding whether or not to use payroll deduction into the Aetna HSA or to go your own way, keep in mind that payroll deduction skips some payroll taxes.


If you leave your job with money that you contributed to the 401K, the company will have a policy about whether you can leave the money in the 401K or whether you must take it with you.  I have normally seen that if it is a small amount, then it must be taken and if it is over a certain amount (maybe $10K) then you have the option of leaving it in the account or taking it out. If you take it out, then you should contact a brokerage first and get instructions from them for how to have it transferred into a rollover account to avoid having to pay tax.  If the company makes the check out to you or transfers money into a non-retirement account, then they will very easily cause a taxable event and they will likely withhold tax from the payment.   If you leave the money in the 401K after you leave, you will generally have fewer investment choices, higher fees, and you may have higher risks.  Occasionally companies in hard times fraudulently raid their 401K accounts and when this happens it can be very difficult to get it back. (For examples see the Dept Of Labor page at http://www.dol.gov/ebsa/newsroom/criminal/main.html and look for 401k or retirement in titles). As far as having the money invested for several years, that time can be your friend if you get a reasonable rate of return.  Over 30 years your money should be able to double multiple times.  (At 8% return it will take less than 10 years to double the money. [see http://buyupside.com/calculators/doublemoneyfeb08.htm])


"Because the returns are not good. One of the big drivers in Australia is ""negative gearing"": if your investment loses money you can offset losses against your tax on other income. Institutional investors and corporations are in the business of making money: not losing it. Housing market investors are betting that these year to year revenue losses will ultimately be made up in a big capital gain: for which individuals get a huge tax break that is also not available to corporations. Capital gains are not guaranteed. Australia has benefited from 25+ years of economic, employment and wages growth: a result of good government planning, strong corporate governance and a fair slice of luck. If this were to end housing prices would plateau at best and crash at worst. A person who has negative cash flow investments has to sell them urgently if they lose their job. A glut of mortgagee sales and property prices could easily come off 20-30%. Rental yields on residential property in Sydney are about 4% with a capital gain of currently 10% but this has been flat or negative within the last 5 years and no doubt will be again within the next 5. Rental yields for residential property are constrained by mortgage rates: if it significantly cheaper to buy then to rent, why would anyone rent? In contrast, industrial and commercial property gets a yield of about 7% and gets exactly the same capital gain. This is because land is land and if the  price of industrial land doesn't grow at the same rate as the residential land next door eventually one will be converted into the other. Retail rentals are even higher. In addition commercial tenants are responsible for more outgoings and have fewer legal rights than residential tenants. Further, individual residential properties are horribly illiquid and have large transaction costs. While it is possible to bundle them up into property trusts so that units can be sold on the stock exchange it is far more common to do this with office and retail buildings. This is what companies like Westfield and AMP Capital do. Notwithstanding, heavily geared property trusts can get into deep water because of the illiquid nature of property as the failure of Centro  illustrates. That said, there are plenty of companies that develop residential houses and units for sale to owner occupiers or investors because that's where the money is."


Yeah, they'd be worth more than EA.  There's no way Zynga is worth that much.    My take is that people can only play a game for so long (unless its like the classics like Chess, checkers and what not), Zynga would have to compete for a user's time with everything else.    It's only a matter of time until people get bored and move to something else.  Zynga would have to continually make games that will suck people in.    Not saying Zynga is a bad company, but I don't think its worth 7 billion dollars.  Youtube was bought for like 2 billion I believe, and I would much rather pay for Youtube than Zynga.


"Yeh sure! You will drive your car, hope the store will have what you look for, in the right size and color, and pay more. Rather than buy on-line.  What's next? You will say ""it's the fault of the consumer"" that they chose to drive cars instead of horses with buggies?  Brick and mortar retail can not be the same if you can shop and have huge selection on-line from anywhere were you live."


We buy groceries online, because we live in an apartment, and lifting 5kg bags of rice and potatoes, 2L bottles of milk, juice, and cooking oil, and 2 jumbo boxes of nappies is physically impossible. Even if we had a car, getting these from the carpark up to the apartment would still be a major hassle.  We do still buy fresh produce in person though, because firstly, as you said, we know our preferences better, and secondly, fruits are charged per each for online orders, and fresh vegetables are not sold online.


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For the specific example you gave, a CD with a 0.05% rate of return, I'd shop around some more, that's a VERY low rate of return. A more realistic one would be 0.5%, depending on the terms. As has been mentioned, CDs are good when you need to preserve your capital. What might be a situation for that? They are great for Emergency funds, which you should always have a reasonable amount of cash in. I have a set up 3 CDs with 12 month terms, each carrying about 30% of my emergency savings. The remaining 10% I keep in a standard savings account, for quick access dealing with a short term emergency. The 3 are spaced about 4 months apart, so that I'm always within 4 months of having one come to term. They have a 3 month penalty if I withdraw early, but based on the fact that I have never had to touch more than 10% of my emergency savings, I'm perfectly okay with that. What about more long term savings? Well, it depends on what your timeframe is for using the money. If it's more than 10 years, and you are willing to risk losing some of it, then by all means invest in a higher risk higher reward investment. If it's only a few years, maybe a bond fund is something that would be better. And if you really need to preserve the money, then a CD can be great too.


It's so wonderful.  Through the magic of fractional reserve banking, a bank the vast majority of the time is loaning out money they created from thin air.  And if you don't pay the obligation, they get a yacht, personal jet, or racehorse in return!  Now, of course having to repossess something might be undesirable in an accounting context, but it still beggars belief that basically the entire economy and money supply of the developed world is based on obligations backed by nothing, by private parties, created out of thin air.


Why shouldn't I bring it up? Freight is one thing but if there's an interest in increased commuter rail or other passenger rail, areas where businesses would use freight rail if it was extended to them or anything like electrifying the system, then it's far more likely that the government will have to be shelling out the money instead of private organizations. It takes huge capital investments and years to extend something like commuter rail and businesses probably don't want to wait potentially decades to real the rewards of a risky venture, so it will be left to public investment to extend systems into some areas that may become hotspots of activity after rail reaches them. It's not all about the freight lines.


There is almost no reason to get a second credit card - this is a very good arrangement for your creditor but not for you. Credit cards have high rates of interest which you have to pay unless you pay the credit off every month. Therefore, increasing your total credit capacity should not be your concern.  Since internet technology lets you pay off your balance in minutes online, there is no reason to have multiple cards in order to avoid running out of a balance. If, on the other hand, you do not pay your existing card off every month, than getting another card can be even more dangerous, since you're increasing the amount of debt you take on. I'd say at most it would make sense for you to grab a basic VISA, since most places do not accept AMEX. I would also considering cancelling the AMEX if you get the VISA, for reasons above.


"The answer is simple - those six people represent the *company* and their best interests.  They retain all of the records of why they've fired 200+ people, and have every T dotted and I crossed.  When it comes to lawsuit time, they will be there to make sure the *company* comes out on top.   I know it says ""Human resources"" but read those words closely....you are a resource, human.   They are there to manage obtaining that resource until it is no longer useful.    It's sad, but it's also true.  HR is not your friend."


"The way forward in business is dumb piping.....being the biggest dumbest pipe you possibly can be, this will give your consumer the ability to use your pipe any way it sees fit. E.G. Lego focuses on making a great product, it does not ""add value"" by trying to anticipate or guide consumers in it's product usage. It also does not go after resellers who find ways to meet market demand that results in the selling of more lego product.  FYI this is the exact opposite of the media industries."


Not sure if serious or not, but i'll bite. First of all the service you are purchasing is the access to credit card, which runs on a network supplied by financial institutions. Secondly credit card is an optional fee, taxes are mandatory (unless you are a crook).


I like your question and think it is a pretty good one.  Generally speaking I would not suggest talking about your stock picks or wealth.  Here is why: 1)  Most people are broke.  Seventy-eight percent of the US population report living paycheck to paycheck.  More than a majority do not have enough in savings to cover a $500 repair to a car or dryer.   What kind of money advice will you get from broke people (the general population)?  Answer:  Bad. 2)  It targets you for jealousy/negative feelings.  If you discuss this kind of thing with your broke friends they will have negative feelings toward you.  This is not necessarily a bad thing.  If you want to build wealth a aspect of that is having wealthy friends.  They will have the kind of disposable income to do the kinds of things you want to do.  They can alert you to good investment opportunities.  And your income will tend to increase.  Most people's income resides within 10% of their 10 closest friends.   3)  You can be targeted for law suits.  Given that personal injury attorneys work on contingent, they are very good at picking on defendants with deep pockets or really good insurance.  Knowing that you have significant investments will put a bit of a target on your back.  Having said all of that, you could participate in groups with a similar interest in investing.  Back in the late 80's investment clubs were all the rage, and you might be able to find one of those online or at the local library or something.  That would be a far safer.


I found out about Google checkout today, it looks like it may meet my needs, but I'd still be interested to find out about other options.


Yes, but note that some credit card companies let you create virtual cards--you can define how much money is on them and how long they last.  If you're worried about a site you can use such a card to make the payment, then get rid of the virtual number so nobody can do dirty deeds with it. In practice, however, companies that do this are going to get stomped on hard by the credit card companies--other than outright scams it basically does not happen.  (Hacking is another matter--just pick up the newspaper.  It's not exactly unusual to read of hackers getting access to credit card information that they weren't supposed to have access to in the first place.) So long as you deal with a company that's been around for a while the risk is trivial.


That's only a portion of the money raised.  This is the theoretical UK version.  [Also known as a Financial Transaction Tax (FTT), a Robin Hood Tax is a tiny tax of about 0.05% on transactions like stocks, bonds, foreign currency and derivatives, which could raise £250 billion a year globally. FTTs are well-tested, cheap to implement and hard to avoid.](http://robinhoodtax.org.uk/how-it-works/everything-you-need-to-know)


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-06-15/rooftop-solar-boom-set-to-spread-worldwide-as-costs-plunge) reduced by 68%. (I'm a bot) ***** > G&#039;day indeed! By 2040, rooftop solar panels will supply about one-quarter of Australia&#039;s electricity as declining costs and ample sunlight make photovoltaics the continent&#039;s cheapest source of energy.  > Thanks to large utility-scale solar farms and commercial solar gardens, power derived from the sun is rapidly expanding as cost reductions continue to spur demand.  > Because solar energy is produced only during daylight hours, homes with rooftop panels will increasingly come equipped with batteries to store excess supplies.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6hinrz/rooftop_solar_boom_set_to_spread_worldwide_as/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~145431 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*: **solar**^#1 **energy**^#2 **percent**^#3 **system**^#4 **rooftop**^#5"


"You owe $20,000 to a loanshark, 1% per week interest.  I'm happy to get 1% per month, and trust you to pay it back, so I lend you the $20,000.  The first lender got his money, and now you are paying less interest as you pay the loan back. This is how a refi works, only the first bank won't try to break the legs of the second bank for moving into their business.  This line ""reinvested the money into the mortgage to lower his monthly payments"" implies he also paid it down a bit, maybr the new mortgage is less principal than the one before."


"A loan is not a taxable income. Neither is a gift. Loans are repaid with interest. The interest is taxable income to the lender, and may or may not be deductible to the borrower, depending on how the loan proceeds were used. Gifts are taxable to the donor (the person giving the gift) under the gift tax, they're not a taxable income to the recipient. Some gifts are exempt or excluded from gift tax (there's the annual exemption limit, lifetime exclusion which is correlated to the estate tax, various specific purpose gifts or transfers between spouses are exempt in general).  If you trade for something of equal value, is that considered income? Yes. Sale proceeds are taxable income, however your basis in the item sold is deductible from it. If you borrow a small amount of money for a short time, is that considered income? See above. Loan proceeds are not income. does the friend have to pay taxes when they get back their $10? No, repayment of the loan is not taxable income. Interest on it is. Do you have to pay taxes if you are paid back in a different format than originally paid? Form of payment doesn't matter. Barter trade doesn't affect the tax liability. The friend sold you lunches and you paid for them. The friend can deduct the cost of the lunches from the proceeds. What's left - is taxable income. Everything is translated to the functional currency at the fair market value at the time of the trade. you are required to pay taxes on the gross amount Very rarely taxes apply to gross income. Definitely not the US Federal Income taxes for individuals. An example of an exception would be the California LLC taxes. The State of California taxes LLCs under its jurisdiction on gross proceeds, regardless of the actual net income. This is very uncommon. However, the IRC (the US Federal Tax Code) is basically ""everything is taxable except what's not"", and the cost of generating income is one of the ""what's not"". That is why you can deduct the basis of the asset from your gross proceeds when you sell stuff and only pay taxes on the net difference."


The same applies if you were looking for a business to buy: would you pay more for a business that is doing well making increasing profits year after year, or for a business that is not doing so well and is losing money. A share in a company is basically a small part of a company which a shareholder can own. So would you rather own a part of a company that is increasing profits year after year or one that is continuously losing money? Someone would buy shares in a company in order to make a better return than they could make elsewhere. They can make a profit through two ways: first, a share of the company's profits through dividends, and second capital gains from the price of the shares going up. Why does the price of the shares go up over the long term when a company does well and increases profits? Because when a company increases profits they are making more and more money which increases the net worth of the company. More investors would prefer to buy shares in a company that makes increasing profits because this will increase the net worth of the company, and in turn will drive the share price higher over the long term. A company's increase in profits creates higher demand for the company's shares. Think about it, if interest rates are so low like they are now, where it is hard to get a return higher than inflation, why wouldn't investors then search for higher returns in good performing companies in the stock market? More investors' and traders' wanting some of the pie, creates higher demand for good performing stocks driving the share price higher. The demand for these companies is there primarily because the companies are increasing their profits and net worth, so over the long term the share price will increase in-line with the net worth. Over the short to medium term other factors can also affect the share price, sometime opposite to how the company is actually performing; however this is a whole different answer to a whole different question.


"Upvote for sense. We've all seen our fair share of ""devoted"" colleagues who put in a ton of hours - but we're not assembling widgets. You cannot  create more, process better, or troubleshoot faster by working extra hours. The study of creative work especially is showing that the mindset of the baby boomers - the manufacturing generation - doesn't apply at all to the creative work done now. So that colleague working 70 hours a week; that might be 30 hours of shit work. It's unlikely they were working at their best capacity. They're not only shooting themselves in the foot, but also their colleagues and the products they're working on."


The Airsoft game is a tactical one played only with aggressive tactics, safety is always first. The balls used in the Airsoft guns are non-metallic and small in size, but still if neglected they may cause major damage to your body. This is so because the balls will hurt badly as they move with high kinetic energy. Hence to make the game safe and to enjoy in the fullest use cheap airsoft gear that is supplied during the game.  Visit us at: http://airsoftgears.livejournal.com/


There are many basic services that the business should be offering but are not. This can easily increase sales by 100k per year. Due to old age of the owner, he refrains from doing so. I just want to make sure the business is in good standing on the books.


It seems that most people in this thread are a bit ideological in their wishes to see Zynga shrink. They don't understand that when Zynga goes down it is their employees who suffer many of the losses. Hopefully the market stays healthy but the products improve.


I think you need to understand the options better before you go around calling anything worthless...  $11k in a 1% savings account gets you just over $100 each year.  Obviously you're not buying Ferraris with your returns but it's $100 more than your checking account will pay you.  And, you're guaranteed to get your money back. I think a CD ladder is a great way to store your emergency fund.  The interest rate on a CD is typically a bit better than a regular savings account, though the money is locked away and while we seem to be on the cusp of a rate increase it might not be the best time to put the money in jail.  Generally there is some sort of fee or lost interest from cashing a CD early.  You're still guaranteed to get your money back. Stock trading is probably a terrible idea.  If you want some market exposure I'd take half of the money and buy a low expense S&P ETF, I wouldn't put my whole savings if I were you (or if I were me).  Many large brokers have an S&P ETF option that you can generally buy with no commission and no loads.  Vanguard is a great option VOO, Schwab has an S&P mutual fund SWPPX, and there are others.  Actively trading individual stocks is a great way to let commissions and fees erode your account.  There are some startup alternatives with lower fees, but personally I would stay away from individual stock picking unless you are in school for Finance and have some interest in paying attention and you're ready to possibly never see the money again.  You're not guaranteed to get your money back. There are also money market accounts.  These will typically pay some interest based on exposing your funds to some risk.  It can be a bit better return than a savings account, but I probably wouldn't bother. An IRA (ROTH and Traditional) is just an account wrapper that offers certain tax benefits while placing certain restrictions on the use of some or all of the money until you reach retirement age.  As a college student you should probably be more concerned about an emergency fund or traveling than retirement savings, though some here may disagree with me.  With your IRA you can buy CDs or annuities, or stocks and ETFs or any other kind of security.  Depending on what you buy inside the IRA, you might not be guaranteed to get your money back. First you need to figure out what you'd like to use the money for.  Then, you need to determine when you'd need the money for that use.  Then, you need to determine if you can sleep at night while your stock account fluctuates a few percent each day.  If you can't, or you don't have answers for these questions, a savings account is a really low friction/low risk place store money and combat inflation while you come up with answers for those questions.


So, you want all education indeed, all public services, except the military the security apparatus, and politicians, to be privatized, then the Obama Administration's and the Bush Administration's trade policy is on your side.  I assume you're a supporter of [GATS](https://www.youtube.com/watch?v=9oR5ecPE0dE) and [TISA](https://www.youtube.com/watch?v=2_pPqnbXpA4) then?


While not entirely untouchable, a college fund can also be in the form of an Indexed Universal Life (IUL) contract through a life insurance agent.  These often net a higher rate of return annually than any savings account, are not going to tank if the market does, and can be owned by you for the child.  If no one else is on the policy, they have no access to it.  You can name yourself the beneficiary as well.  There's several very nice features to doing your child's college funding this way. You can ask that the contract is established for maximum cash value.  This means the death benefit isn't the overriding need so the premiums you pay fill the cash value of the contract much more quickly. As mentioned in point 1., the contract has a death benefit.  No other savings device will grant you this.  Heaven forbid the child passes while you are saving for college.  Now you will have a tax free benefit that will pay for burial and other related costs and can be used to fund yet another IUL policy if you have more than one child. Unlike other policies, you can set your minimum monthly premium and have the flexibility to add as much as you would like to fill the fund faster if you happen to come into more money and you want to direct it to that contract.  There are ceilings to this so that you don't create a modified endowment contract (MEC. Look this up at investopedia), but this is specifically stated in your illustration so that you can keep your contributions a penny under that limit. Unlike college loans, you have extremely quick access to the funds when you need them (probably counter-intuitive to your desire for untouchable money). This can be achieved a couple of ways.  You can borrow money from the insurer using your IUL cash value as collateral.  Often, a check can be cut within 48 hours.  This eliminates the time a normal lender takes in making the loan decision.  Or, you can surrender the policy and take the cash value (paying taxes on your gains).  The first keeps the policy in force while you pay back the loan if you desire.  The second cancels the policy so that you can take your own accumulated money out. Utilizing an IUL in this manner can (but not always) lower your Expected Family Contribution (EFC) with colleges so that you could qualify for higher student aid.  If your income puts you in the middle class, you would be wise to note this in particular.  Having control over your EFC is major benefit.  (If you'll read the link above, you notice the UGMA isn't necessarily the best idea as schools look to the student to give a higher percentage of their own assets than the parent.) Ultimately, while the IUL is a little known method for saving for college (and some will argue what they may) it would benefit you to speak with an insurance professional about this option.  Ask if the insurer has access to the SAGE Rewards program (https://secure.tuitionrewards.com/).  The program is a free benefit if you purchase a cash value contract like an Indexed Universal Life policy and activates IF the agency participates.  The child earns tuition credits for every birthday of your child (not retroactive) and for having the policy.  If you do an annual review, you earn more tuition credits.  I have established these for clients and some have sent their child to college with more than 44k in college funding (split out over four years).  The point system is 1 credit = 1 tuition dollar.  Quite unlike air miles! For those of you reading this that have similar concerns, please consult an with an agent (or feel free to contact me) to get up to date advice on how to structure these.  They are simple and efficient and have significant upside for college funding.


"Well, there's something to be said for ownership priorities.  As this deal makes obvious, winning doesn't always equate to profitability.  As stated in the article:  >Perhaps the best move, however, was installing Richard Peddie as MLSE CEO. A marketing genius, Peddie absorbed a lot of the criticism from Toronto fans about the inability of the teams he presided over to win a championship. The Toronto Maple Leafs have not won a Stanley Cup since 1967 and haven not made the playoffs for six seasons. Still, Peddie delivered the kind of financial results that sports owners really care about.  As a ""marketing genius"" this particular sports owner knew exactly how to make money but does not necessarily know how to make a good team.  The fans, and the team I'm sure, would love to have both."


According to this study put out this year by Judson and Porter, the face value of counterfeit currency relative to the total amount in circulation is about 0.01%: We conclude that the total value of counterfeits in circulation at any moment is on the order of $60 to $80 million, or less than $1 for every $10,000 outstanding, and is highly unlikely to exceed $220 million, or less than $3 for every $10,000 in circulation. Further, we conclude that the incidence of counterfeits is roughly the same inside and outside the United States ... Actual numbers from five years ago suggest about the same: Out of the approximately $759 billion in U.S. dollars held in U.S. currency in the form of banknotes (paper currency) in circulation outside the U.S. Treasury and the Federal Reserve at the end of 2005, the Secret Service reported that about $61 million in counterfeit currency was passed on the public worldwide. Of the counterfeit currency passed, the majority, $56.2 million, was passed in the United States, with the remainder passed abroad. As to why they're checking:  Would you want to receive a counterfeit bill? Costco checks my cash when I check out.  The guy I got a buggy ride from up in upstate New York checked my bill.  It's easy to check certain things on the bill.  Why not?


"I would suggest you do three things: If you do all three of these, the time will come when ""2 months off to go to Italy this winter and ride bikes through wine country"" is something you both want to do, can afford to do, and have arranged your lives to make it feasible. Or whatever wow-cool thing you might dream of. Buying a vacation property. Renovating an old house. The time may also come when you can take a chance on no income for 6 months to start a business that will give you more flexibility about when and where you work. Or when you can switch from working for a pay cheque to volunteering somewhere all day every day. You (as a couple) will have the freedom to make those kinds of decisions if you have that safety net of long term savings, as long as you also have a strong and happy relationship because you didn't spend 40 years arguing about money and whether or not you can afford things."


I'm genuinely surprised that the opioid number isn't higher. It's insane how many people I know who've died from opiates. First thought is always opiates when I hear someone younger than 40 dies, and it's unfortunately correct most of the time.


"I wouldn't settle for 10%, and I certainly wouldn't settle for a Roth. I'd recommend not retiring.  I'd recommend building up a side business in your ""free"" time while you're working that's closer to your calling that you can ""retire into."" Don't be complacent."


Financially, it simply doesn't make sense to go into debt here. It may be that living on credit cards for a while gives you a chance to recover psychologically, but financially, it doesn't make sense. But, let's consider the larger picture here. You are unmotivated and directionless, and may be suffering from depression. That sucks; very many of us have been there. I'd write in great detail, except this site is about finance, so let's limit the scope a little. You've had therapy. It hasn't produced meaningful change. Stop with that therapy; it's not cost-effective. Financially speaking, your goal should be to get back on your feet. You should only be willing to take on credit card debt if it is very, very directly helping you accomplish this. Maybe that means a different therapist. Maybe that means paying for medication, which can often be breathtakingly effective. Heck, maybe that's a suit, something you put on each morning for a couple of hours to focus on getting a job. Maybe that means some other approach. But you should only be willing to take on debt that directly helps you get back on your feet. Should you be willing to continue as you are now, taking on credit card debt for your living expenses? No, definitely not. Credit cards charge obscene amounts of interest, and the evidence is that your current approach is not working. Going into debt in this case makes as much sense as it did for me to continue working for an employer who wasn't paying me. That is, none at all (financially). All that said, I strongly encourage you to get whatever help will work for you. Your finances are important, but they aren't everything.


Selftrade does list them. Not sure if you'll be able to sign up from the US though, particularly given the FATCA issues.


Yea right! This is some communist propaganda if I have ever seen it!  No rational person would ever want someone else to be making decisions as personal as health care for them. Get out of here with these ignorant socialist lies.  No questions asked; people want health care decisions to be made between them (the patient) and the doctor, it is a fact. In all practical honesty, no one wants those types of decisions made by some pampered disconnected bureaucrat miles away. Anyone who argues otherwise is not being honest with themselves.  The plain reality of health care in America is that it is a protected and dark market where no one actually gets to see the cost of services. All we need legislatures to do is make insurers and health service providers publish price sheets and cost lists to the general public and we all will get to watch costs for everyone across the socioeconomic landscape plummet to unprecedented lows.   Fuck the Republicans for letting the insurance companies continue to write these disasters of legislation that they call a repeal bill. Equally, fuck the Democrats for letting the insurance companies give us the complete, failure by design, that is the ACA. Both of these shit-wings embedded with wilful bureaucratic incompetence need to just give us a fucking price listing for services and medications and get the fuck out of our way!


"In simple terms, it is a business operation when it becomes a   profit-making enterprise. It is a grey area, but there is a difference between selling   occasional personal items on eBay and selling for profit. I would imagine the sort of considerations HM Revenue & Customs would   take into account are the size of your turnover, the extent to which   you are both buying and selling, and whether you are clearly   specialising in one particular commodity as opposed of disposing of   unwanted presents or clearing the loft. http://www.ebay.co.uk/gds/When-does-eBay-selling-become-taxable-/10000000004494855/g.html I don't believe that you selling your personal camera gear will be taxable, but as the link says, it is a grey area.  They also recommend to do this It's far better than having to deal with an investigation a few years   down the line. When it comes to completing your tax return, there is a section which   is headed ""other income"", and it is here where you will enter the net   earnings from the web business. ""Net"" here means your additional income, less all expenses associated   with it. If you are still worried I would always encourage people to take a cautious approach and discuss their position with HMRC via its helpline on 08454 915 4515."


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">However, the caveat I will add is that if you go into DEBT for your education, you should certainly be thinking about the economic value your education can provide you.  I agree, but we're not going to have that discussion when many parents don't understand debt accurately and the ones that do are the ones whose kids aren't as likely to need big loans.   >At the end of the day though, these findings are all moot unless we can have a conversation about the hyperinflation in college costs directly related to 'free' aka subsidized education.   The hyperinflation isn't because college costs are subsidized - federal loans still have caps. It's because student loans can't be discharged in bankruptcy in the vast majority of cases. That means that private loans are available, which means the federal loan caps are effectively useless.   ""Free"" college would have its challenges, and we'd need to make private loans dischargable in bankruptcy (which would in turn make banks lend to only credit-worthy students/co-signers using appropriate risk models) but then we'd also be able to make other adjustments.   There are some things that we could probably be doing now, but others might be too easily corruptible without the market correction of private loans only to those who are credit-qualified.  We could put more stringent requirements on grade point averages, for example. If you don't hit that, you don't get your free college. You can continue going, if you go get private loans. Not able to qualify? Time to do something else then. Work and save for college, trade school, enter the workforce permanently, etc. (This wouldn't work as well if private loans were still easily obtainable and non-dischargable, because there could be shady dealings to make more people not eligible for the ""free"" assistance with some type of crazy obstacles, etc.)  We could do things like cap the costs for particular programs. If you want to study mechanical engineering, you can get up to X amount, but if you're studying early French poetry, you can only get up to Y amount. Yes, we could do that now, but I don't love the idea of putting those type of restrictions when it's the student paying.. it seems a bit of an overreach.   There are lots of ways we could be addressing things, but we aren't."


"Agreed, but often it seems that gray area is exactly what these ""innovations"" are looking for.  Repeatedly pushing down onto the struggling individual the past responsibilities of the wealthy corporation.    Say this thing picks up steam and is revitalizing Walmart.  John is walking out the door and ""critical"" deliveries need to be made.  John was a bit short last month and couldn't wait for the 2 week insurance reimbursement process.  So despite the team lead's prodding, didn't upgrade his insurance coverage this month.  He didn't want to be ""that guy"" so didn't confirm/deny getting modifying coverage to the lead.  The team lead asks John to take the packages, but doesn't really follow through on the insurance check.  John wrecks his car and his back.  John's insurance company rejects the claim.  The team lead and John are fired because not checking/having the insurance was against written policy, but winked and nodded away all the way back up to the #1 online retailer spot.  So often, obstacles are easily surmounted.  I get the ""personal responsibility"" angle for all involved, but social/financial pressure can be brutal.  The problem is that situations are left as is and the moneyed parties are ""enrichingly ignorant"".  My guess is few compile stats on SOL Uber/Lyft drivers in similar situations."


I once read an redditor（probably from india）says they are going to have 300 millions middle class in next few years  Aren't India going to one of the future superpowers and their people are very proud of it ？  http://www.thehindu.com/features/kids/proud-to-be-an-indian/article3762135.ece


Well, I think that vba will still be maintained, but the emphasis these days is on increasing compatibility outside the traditional ms ecosystem, making development/scripting for office applications available to a broader base of coders.   There's another AMA coming up in a few weeks so you can ask them there, but I don't think there's a risk of vba not being compatible in the next many years.  As an alternative, you may also want to look into powerquery (the get&transform feature of '16), if you're dealing with large datasets and transformations/database-like-operations it is great and lifts the functionality of excel quite a few notches, while being much more transparent than VBA. It is being pushed heavily by Microsoft for a good reason.


The best way to start out is to know that even the experts typically under-perform the market, so you have no chance.  Your best bet is to invest in diversified funds, either through something like Betterment or something like Vanguard's ETFs that track the markets.  Buying individual stocks isn't typically a winning strategy.


A recent survey conducted in Australia shows that although their mining sector is enjoying a boom, services sector is in an opposite condition. Most of the contraction was caused by a decline in new orders among the various players in the services sector while sales and prices also fell.     Just 2 out of 9 sub-sectors (namely, personal and recreational services and finance and insurance) included in the survey has grown during the month. The increased activity in the mining sector is not positively affecting the remaining sectors of the local market.     The chief executive of the Australian Industry Group (AI Group) said that the contraction in the services industry just shows how narrow is its base of development in the broad market.     Several stability in financial states abroad in a period of few months will be favorable for allowing consumer and business confidence to improve, resulting in a gradual increase in spending.     More than half of the world’s mining acquisitions in 2011 has involved projects located in US, Australia and Canada. Other buyers include China, India, Russia and Brazil, all of which increased their acquisitions by 42% since 2006.     In terms of gold, the average deal is valued at USD 41 million where a premium is almost 50%. Propelling the lucrative market is Australia with 15%, United States with 14% and Canada with 49%.     Considering the bigger picture of the industry, PwC seems to be expecting that this year will see record M&A valuations and volumes in the mining sector worldwide.     According to the company, sovereign wealth funds tend to have more advantage in winning transactions because of their low cost of capital.     PwC is assuming that non-miners like sovereign wealth funds, large pension funds and private equity might reassess their approach to the industry and begin to participate more in M&A.


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"**Modern portfolio theory**  Modern portfolio theory (MPT), or mean-variance analysis, is a mathematical framework for assembling a portfolio of assets such that the expected return is maximized for a given level of risk, defined as variance. Its key insight is that an asset's risk and return should not be assessed by itself, but by how it contributes to a portfolio's overall risk and return.  Economist Harry Markowitz introduced MPT in a 1952 essay, for which he was later awarded a Nobel Prize in economics.  ***  **Option (finance)**  In finance, an option is a contract which gives the buyer (the owner or holder of the option) the right, but not the obligation, to buy or sell an underlying asset or instrument at a specific strike price on a specified date, depending on the form of the option. The strike price may be set by reference to the spot price (market price) of the underlying security or commodity on the day an option is taken out, or it may be fixed at a discount in a premium. The seller has the corresponding obligation to fulfill the transaction—to sell or buy—if the buyer (owner) ""exercises"" the option. An option that conveys to the owner the right to buy at a specific price is referred to as a call; an option that conveys the right of the owner to sell at a specific price is referred to as a put.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/finance/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.27"


"A better question would be to ask ""Why don't movie theaters charge to use the bathroom?"", or ""Why don't movie theaters charge for parking?"". In America, either government regulation or the mall itself forbids charging for parking, or limits the amount that can be charged for parking. This tends to be more true in suburban areas where land is cheap, but less true downtown in cities. The nearest theater to me is in a mall that is also on a metro line. Those who arrive by metro to see the movie are effectively subsidizing those who arrive via automobile and park. I don't know of any place in America that charges to use the bathroom, but the practice is still common in Europe. I saw the second The Matrix film in Brussels, and had to pay to pee. I'm not sure why this isn't the case in the U.S. Maybe there are widespread regulations against this. Or maybe it's a cultural thing, that we would be so offended by this that we would never go back to the theater."


Some do internships, but most don't. I would also try to get really involved with your school's entrepreneurship center if it has one.   People on reddit often stress that it's wrong to participate in unpaid internships, however in this sector I strongly disagree. If you are able to secure an unpaid internship in VC, I highly suggest pursuing it.


Hey I used to do this for a job.          having two separate policies is a bad idea. If you decide you need more life insurance just increase the one you currently have. There are usually discounts for having higher levels of cover. Not only that but if you have multiple policies all you're getting is the task of doing multiple claims and maybe some additional policy fees depending on which companies you're looking at.        What did you consider when deciding how much life insurance to take?


"Unfortunately, I missed most of segment and I didn't get to understand the Why? To begin with, Cramer is an entertainer and his business is pushing stocks. If you put money into mutual funds (which most 401k plans limit your investments to), then you are not purchasing his product. Also, many 401k plans have limited selections of funds, and many of those funds are not good performers. While his stock-picking track record is much better than mine, his isn't that great.  He does point out that there are a lot of fees (mostly hidden) in 401k accounts. If you read your company's 5500 filing (especialy Schedule A), you can determine just how much your plan administrators are paying themselves. If paying excessive fees is your concern, then you should be rolling over your 401k into your IRA when you quit (or the employer-match vests, which ever is later).  Finally, Cramer thinks that most of his audience will max out their IRA contributions and have only a little bit left for their 401k. I'm most definately ""not most people"" as I'm maxing out both my 401k and IRA contributions."


I completely agree. We're a specialized company that focuses on doing things right, not just throwing up a web page. We see high conversion rate increases. Trust me, we're not a one and done shop. We know what we're doing, and we know that the value of our work is $2500 baseline. Sure, we can install WordPress and a stock theme while throwing up content for the person while installing some standard SEO plugins for $1000.  And landing pages are something we never recommend doing without our clients knowing that they aren't cheap; landing pages need to be combined with other marketing tasks. They won't convert people who don't go to them. And, it's ridiculous to think that you've optimized conversion right away. We always strongly recommend A/B testing at the start of a marketing campaign for at least two weeks.  Plus, all of that testing on the first landing page we do results in direct knowledge for any future ones, resulting in lower cost and a much much much higher ROI for our clients.  So, yeah, I agree with you on the 'most designers' comment. But I would argue that isn't necessarily a *good idea* to do. You get what you pay for, I suppose.


Real estate is a lousy investment because: Renting a home and buying a home, all else being equal, are pretty similar in costs in the long term (if you can force yourself to invest the would-be down payment). So, buy a home if you want to enjoy the benefits of home ownership. Buy a home if you need to hedge against rising housing prices (e.g. you're on a fixed income and couldn't cope if rent increased a bunch when the economy heated up). Maybe buy a home if you're in a high tax bracket to save yourself from being taxed on your imputed rent, if it works out that way (consult your financial advisor). But don't consider it a really great investment vehicle. Returns are average and the risk profile isn't that attractive.


> it should be noted that those people who luck smiles upon need to be prepared to take advantage of opportunities, and that preparation takes work.  All you've done is regurgitate a cliche that is said constantly in our culture.


"The most fundamental observation of bond pricing is this: Bond price is inversely proportional to bond yields  When bond yields rise, the price of the bond falls.  When bond yields fall, the price of the bond rises.  Higher rates are ""bad"" for bonds. If a selloff occurs in the Russian government bond space (i.e. prices are going down), the yield on that bond is going to increase as a consequence."


There is no established business model that works for the fresh food delivery and if anyone will be able to perfect it, it will be Amazon however I think it will take a lot of time. Amazon can afford it and I am curious to see how it pans out.


And more than that it would encourage people to invest in companies for the long term, allowing Executives and CEO's and such the breathing space to make a tough decision that's bad in the short term but good in the long term...  Rather than hiring a psychopath CEO that's only trying to boost short term stock value for his own bonus/salary


Sure.  Here it is in its deadly simplicity:  Bank of Too Big  123 Fake St  City State Zip   Date   To whom it may concern:  Please let this letter serve as formal instruction for Bank of Too Big to close the following accounts held under my name, [your name],  [your social security number], listed below  Checking: 00000000  Savings    00000000  Please remit the remaining balances in the form of an official check made payable to me and mail that check for deposit to my account at:  Your Awesome New Bank  c/o the new manager  Address  Thank you for your prompt attention to this matter.  If you wish to reach me, you may do so at [telephone number] *pro tip: they **never** call you.*  Sincerely,   Newly empowered consumer, you.     **Here are the important parts:**  1. You HAVE to get this notarized.  It will not work otherwise.  But guess where there are always notaries - banks - especially your new one.  2. Make sure all your automatic payments and things attached to that old account have been switched or cancelled first.  3. Don't leave too much money in there or there is a slim chance they might call you, and you'll have to deal with that nonsense.  Just leave a nominal amount like $10 and they'll just do it to get it over with.  4. Keep a copy.  Just in case.   I have been using this letter for my entire career in banking (a little over 10 years) and it has worked EVERY SINGLE TIME.   Enjoy!


By the by, I'm 27. I've been living on my own since I was 15. I've worked at startup-style companies with a rich founder and no investment (Limewire), worked for funded startups companies as a consultant (ex: Ning), personally know the founders and/or very early stage employees of many famous startups (Gowalla, Twitter, GitHub, Shopify, etc), and I've also consulted for companies like Bear Stearns, Pepsico, Ford…  But you could already tell all that from my picture, I'm sure.


My in-laws are pressuring me to buy a home.  I don't really have much financial experience. In fact, I'm a nightmare with finances. I almost have my student loans payed off from school.  My in-laws and husband are great with finances and with real-estate.  My husband has a good job and $200k in savings.  I have a good job too, and still have some debt from school. (approx $60k left of 180k).   They say the house will be available in Jan or February for purchase, and that we should really try to buy it (prob $2-3 mil).   My guess is they want to make it available to us off the market (which is a huge benefit in this area,  there are really no houses available lately) .   The problem is:  I am uncomfortable because I don't have all of my loans payed off,  I could divert money away from paying off the loans in order to save for a larger downpayment. I just got a bonus of $35k (after taxes)   I don't think I'll have all of my loans payed off by January. Should I save my money for the downpayment or focus on my loans, should I go for the house?  I don't know how to weigh these options against each other with such little experience.


"i have to disagree about the "" the literal secret - the special alloy of copper, tin, and silver that gives the Zildjian cymbals their world-renowned sound.""   It is no secret, the alloy can be determined with these tools.  http://www.niton.com/Niton-Analyzers-Products/Which-XRF-Analyzer-Is-Right-for-Me.aspx?sflang=en&gclid=CPXHwqCdvbACFQdeTAodfwP9Eg"


"I had an inkling that is what you meant.  I am no lawyer (or historian), but it seems a convenient warping of the 14th amendment, i.e., a corporation clearly is as human as a(n ex-)slave.    Sadly, so often you find that racism has been the lever used to enable policy inflicted suffering.  It also serves to keep people from ever objectively discussing and resolving the root issues.  ""Don't try to play the race card...""  Um, but the history..."


"I'm a mathematician, not an accountant.  But my feeling has been that the distinction between Asset and Liability is mainly a sign convention, and comes from a wish to avoid negative numbers. Suppose you take out a loan for $1000 and deposit the proceeds in your bank account.  Under normal accounting conventions, your bank account is an Asset and the loan is a Liability.  After the loan, Bank has a balance of 1000 and Loan has a balance of 1000.  You can compute your net worth by adding all Assets and subtracting all Liabilities (so in this case your net worth remains 0). If you treat Loan as an Asset account, then after taking out the loan, you should give it a balance of -1000.  Under this convention, you have lots of negative numbers to deal with everywhere, which I suspect early accountants would have found inconvenient.  The Asset/Liability convention means you only need to deal with negative numbers in unusual situations (overdrawn bank account, overpaid loan, etc). Likewise, in theory you could treat Expense accounts as negative Income. But I'm not sure why you feel the need to reinvent the wheel by ""simplifying"" double-entry accounting like this.  The standard conventions are not that complicated, and their major advantage is that they're standard: other people will be able to understand your books if they ever need to.  (Say you want to hire somebody to do your taxes at some point: if your books are kept in your own idiosyncratic system, their job will be at best error-prone and at worst impossible.)   It's a bit like a proposal to simplify English spelling: shur, a sistum waar yu rit lik this mit bee simplur in sum abstrakt sens, but if nobudee els can reed it eezulee, it izunt ackshyualee veree yusful."


That's fair, but cost of living in silicon valley cuts the purchasing power of that salary significantly.  I don't know what major you are exactly, but keep in mind that comp sci is not the same as a civil/mech engineering degree in terms of compensation.


"Who the fuck cares about exhausting? Sorry dude that is not the criteria.  You examples are bulshit and non responsive to my points. But one more time to humor you. Nope your janitor who did not study to get a degree so he cannot get your ex's job. While your ex can get the janitor job if she wanted to. So nope one is going to get paid better.  Brain surgery will put your gf at upper middle class/ lower upper class.  Btw saying ""but to argue cleaning kids vomit and shit off the bathroom floor takes less skill and should be paid less ...Yeah no."" Is not a valid argument. It is your opinion and by this point in the conversation, it is no longer necessary to repeat yourself. In fact, you can repeat it till you are blue in the face and it will still remain your unsubstantiated opinion. Not only is the fact that cleaning puke requires less skill one of the reasons why janitors get paid less but to boot the fact that it requires less skill means that more people can do the job and basic supply-demand inevitable leads to lower price which in this case is lower salary.  The fact is that there will always be a lower class, it being the part below the middle class. And it takes skills to pull oneself out (or luck to be born rich which I do agree is unfortunate). If you have no skills or chose to work a job that does not require skill, you will be in the lower class.   So now, besides a basic English class, you seem to need a basic logic class. I'd suggest looking that stuff up online or if you need the more structured environment, your local community college."


If it goes to a millionaire who continues to pay larger bills than others while unemployed then that money goes right back into the economy.  The money for unemployment insurance is linked to compensation.  If they are millionaires then their compensation has already paid for unemployment insurance.  This idea that money is going to turn around and go to some others possibly through some other program is flatly wrong.  Either you have unemployment insurance or you don't.  You want to withhold unemployment insurance from rich people because you don't think they are worthy.  That is an interesting idea, but so far it has never worked politically.


"Just my 2 cents, I read on the book, The WSJ Financial Guidebook for New Parents, that ""the average family spends between $11k and $16k raising their child during his first year"".  So it might be better for you to make a budget including that cost, then decide how much money you feel safe to invest."


"Answers to your questions: (1) Do bank account numbers have a checksum. NO. (2) Is it plausible that they found out your number after sending you the money by ""accident"". NO. There is no way to find out who possesses a particular bank account just by the number. Also, how they even know they made a mistake? They targeted you and knew who you were and your bank account number before the ""money"" was sent. (3 and 4) Is this a scam? YES. They never paid you any money. They forged a check for a large amount and deposited it in an account. Then divided it up, wiring pieces to multiple people, all of whom they investigated beforehand. Since it is a bank to bank transfer it clears. Once the forgery is discovered, all the transfers will be unwound. If you had sent them money, you would have lost that money. Other things to note: There is zero chance of a wire transfer going to the wrong person because the sender has to list the name and address on the account as well as the number. You basically did the right thing which is to notify your bank that you received an unauthorized transfer into your account. Never accept money into your account from someone you don't know. If money ""appears"" in your account tell the bank it is an error and probably proceeds from a forgery and they will take care of it."


That argument seems pretty false.  Companies will compete and try to always undercut each other.  I have never seen one actual study where prices rose on par when the minimum wage was increased.  They of course will increase but it will still be below what is costs now.  Mainly it takes money from the larger corporations and gives it to the people.  I do agree prices will rise, but since TONS of companies already hire illegals where are we going to be hit?  Produce will be slightly from stock boys who dont make that much.  For the most part all menial jobs are always using illegal workers.


No it isn't, at least from my perspective. For example many drugs are illegal. Do I think they are unethical to use? Absolutely not. I believe in the non-aggression principle, if you aren't hurting anyone else in any way you are not doing anything wrong. Portugal has decriminalized drug use, many anabolics are freely available in middle eastern countries. Is everyone a drug addict or a 280lb freak? No. We should govern what we do with our bodies, not the government.


It all depends on how much risk you take. The problem is you have no idea what the risks are, and so you will lose all your money. I would say zero. But if you want to have a go, try reading reminiscences of a stock operator, then try reading my own attempt to make sense of the same stuff Hey, as you're a student you could even try making sense of my FX and MM training on the same website. Good luck


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Usually, a financial advisor makes his money by selling financial investments.  Thus, almost anyone you talk to is going to try to get you to be investment products, which is not what you need to be doing at this point.   You should be focusing on paying off all your debt first, before doing any investment.  The interest you are paying on credit cards is most likely much more than the money you could get from any type of investment.  However, once you have your consumer debt paid off, I recommend talking to any friends, co-workers, or other professional advisors you have (such as attorneys or accountants).  When you ask such people for the referrals, find out how much debt they have, how much they are investing.  Pay closer attention to those with a higher net worth. Otherwise, you may be getting advice from someone fooled by the same sort of financial advisor you are trying to avoid.


One thing I would look into is getting a fixed rate home equity loan for a short term.  Not a line of credit, but a home equity loan.   The main benefit is they typically offer no closing costs.  You can get a very low rate provided you move the loan into first position (replace your current mortgage).   I know someone who got a 7 year fixed Home Equity Loan, from Regions Bank, for 2.62%  no closing costs.


How about just putting them to bed earlier? My kids are in bed by 7 and other parents think I'm insane... Yet when the boys are up at 6 and we are able to eat Belfast like a family before school and work, and they aren't tired so are on time and task...  Works great!


The new minimum wage hike in Oregon is putting strain on small businesses. $11.40 is a ridiculous high wage and is forcing many businesses to under staff and raise prices on everything dramatically. Gas here is up $.30 since the hike July 1st. A minimum wage hurts the poor, the uneducated, and the less skilled by forcing them out of the workforce. Not all people are worth $11.40 an hour.


"It's not a pyramid scheme, pure pyramid schemes are illegal. ""Multi Level Marketing"" is technically legal, most stay within the legal boundaries but it's easy for a ""self-employed"" individual to step into the illegal realm by using deceptive sales tactics.   When it's commission based renumeration Herbalife doesn't care who exactly makes the sale, just that someone did. That's no different than Google Adwords.  Yes it is exploitative business practices and taking advantage of people who don't know better, but it doesn't appear illegal to me."


This is going to be the source of the next recession. Retail accounts for a huge part of domestic spending, and also makes up a large portion of employment. Lots of chains are going bankrupt or are closing down their brick and mortar, which means things like seasonal retail work will dry up. Small businesses that rely on holiday shopping to make revenue (eg. Black Friday) will be totally screwed.


12b1 refers to a specific marketing fee on funds in my world. are you referring to the expense ratio?  yes - that is what fund wholesalers will do. another practice that won't affect your cost though.  basically what i want to express is that you shouldn't need a flowchart to understand your fees. it is simply the layers of management that will raise your cost, in addition to any transactional fees.


"The article said $65,000 (rounds numbers imply an estimate) was the original amount she borrowed. However she isn't on the hook for only $65,000. Her loans have interest and ***one*** of the loans had an 8% interest rate.   Let's ASSUME (for the purposes of this exercise to illustrate what compound interest can do to ""good debt"") that all of her loans are at 8% interest over a 30 year repayment period. Her total payments over the course of the 30 years will amount to $172,000. Yes that's a big number. $107,000 going to INTEREST and $65,000 going towards the original loan balance.   More realistically her loans are probably in the 6-8% interest range (since interest rates were higher 20 years ago) so the amount is a little smaller, but the bulk of her payments will be for paying interest not paying down her loan balance. She really couldn't afford to borrow for a master's degree to make so little in a high cost of living area."


You have it in your head that regulation = good and deregulation = bad which is why I was trying to stress why it is situational.  Regulating taxi industry was bad for consumers and taxi drivers. Deregulation through uber/lyft was shown to be good for the drivers and consumers.   You should think in terms of outcome. We should regulate to encourage free market practices and deregulate to encourage free market practices.  In this case, it would be prudent to regulate Idaho to make sure employers cannot force noncompetes so that free market reigns.   In New York its prudent to deregulate the taxi industry so there is no artificial constraints on supply.   Regulation and deregulation are neither good nor bad. Whether they constrict the free market or not is what makes them good or bad.


A bid is an offer to buy something on an order book, so for example you may post an offer to buy one share, at $5. An ask is an offer to sell something on an order book, at a set price. For example you may post an offer to sell shares at $6. A trade happens when there are bids/asks that overlap each other, or are at the same price, so there is always a spread of at least one of the smallest currency unit the exchange allows. Betting that the price of an asset will go down, traditionally by borrowing some of that asset and then selling it, hoping to buy it back at a lower price and pocket the difference (minus interest). So, let's say as per your example you borrow 100 shares of company 'X', expecting the price of them to go down. You take your shares to the market and sell them - you make a market sell order (a market 'ask'). This matches against a bid and you receive a price of $5 per share. Now, let's pretend that you change your mind and you think the price is going to go up, you instantly regret your decision. In order to pay back the shares, you now need to buy back your shares as $6 - which is the price off the ask offers on the order book. Because of this spread, you have lost money. You sold at a low price and bought at a high price, meaning it costs you more money to repay your borrowed shares. So, when you are shorting you need the spread to be as tight as possible.


There are no legal reasons preventing you from trading as a F-1 visa holder, as noted in this Money.SE answer. Per this article, here are the things you need to set up an account: What do I need to have for doing Stock trading as F1 student ? Typically, most of the stock brokerage firms require Social Security   Number (SSN) for stock trading. The reason is that, for your capital   gains, it is required  by IRS for tax purposes. If you work on campus,   then you would already get SSN as part of the job application   process…Typically, once you get the on-campus job or work   authorization using CPT or OPT , you use that offer letter and take   all your current documents like Passport, I-20, I-94 and apply for SSN   at Social Security Administration(SSA) Office, check full details at   SSA Website . SSN is typically used to report job wages by employer   for tax purposes or check eligibility of benefits to IRS/Government. I do NOT have SSN, Can I still do stock trading as F1 student ? While many stock brokerage firms require SSN, you are not out of luck,   if you do not have one…you will have to apply for an ITIN Number (   Individual Taxpayer Identification Number )  and can use the same when   applying for stock brokerage account.  While some of the firms accept   ITIN number, it totally depends on the stock brokering firm and you   need to check with the one that you are interested in. The key thing is that you'll need either a SSN or ITIN to open a US-based brokerage account.


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The big difference for me under the High deductible plan has been that instead of paying the co-pay, now I am now responsible for the negotiated rate until I reach the deductible limit. The HSA is only a way to funnel medical payments through a tax free account the insurance company and the doctor don't care about the HSA. If we go out-of-network, then I am responsible for the full rate, but they only count the negotiated rate as a credit against the out of pocket/deductible. This big difference makes it very important to pick a doctor in-network. For your example: I would have paid $50 under the PPO, but $200 under the high deducible plan. If I go out-of-network I would have to pay whatever the doctor want me to pay, but the insurance company would only credit me $200 against my deductible. I can pull the extra $350 from the HSA. It is hard to get good pricing information from some doctors, but the price difference for me has been so large that in-network is the only way to go. For prescriptions the high deductible plan has been worse, because we pay the full price with no discounts for the medicine, until we reach the plan deductible. That makes the cost of the prescriptions as much as 10x's more expensive. In fact the annual cost of our prescriptions all but guarantees that we hit the deductible each year.


Unfortunately for the rest of us, avoiding the military industrial complex also avoids feeding the roads, schools, libraries and social programs industrial complex.  Not to mention the shortfall has to be made up, so it's more taxes and more debt for the rest of us that can't afford to dodge it...


"Several options are available. She may ask the US bank to issue a debit card (VISA most probably) to her account, and mail this card to Russia. I think this can be done without much problems, though sending anything by mail may be unreliable. After this she just withdraws the money from local ATM. Some withdrawal fee may apply, which may be rather big if the sum of money is big. In big banks (Alfa-bank, Citibank Russia, etc.) are ATMs that allow you to withdraw dollars, and it is better to use one of them to avoid unfavorable exchange rate. She may ask the US bank to transfer the money to her Russian account. I assume the currency on the US bank account is US Dollars. She needs an US dollar account in any Russian bank (this is no problem at all).  She should find out from that bank the transfer parameters (реквизиты) for transfering US dollars to her account. This should include, among other info, a ""Bank correspondent"", and a SWIFT code (or may be two SWIFT codes). After this, she should contact her US bank and find out how can she request the money to be transferred to her Russian bank, providing these transfer parameters. I can think of two problems that may be here. First, the bank may refuse to transfer money without her herself coming to the bank to confirm her identity. (How do they know that a person writing or calling them is she indeed?) However, I guess there should be some workaround for this. Second, with current US sanctions against Russia, the bank may just refuse the transfer or will have do some additional investigations. However, I have heard that bank transfers from US to private persons to Russia are not blocked. Probably it is good to find this out in advance. In addition, the US bank will most probably charge some standard fee for foreign transfer. After this, she should wait for a couple of days, maybe up to week for the money to appear on Russian account. I have done this once some four years ago, and had no problems, though at that time I was in the US, so I just came to the bank myself. The bank employee to whom I talked obviously was unsure whether the transfer parameters were enough (obviously this was a very unusual situation for her), but she took the information from me, and I guess just passed it on to someone more knowledgable. The fee was something about $40. Another option that I might think of is her US bank issuing and mailing her a check for the whole sum, and she trying to cash it here in Russia. This is possible, but very few banks do cash checks here (Citibank Russia is among those that do). The bank will also charge a fee, and it will be comparable to transfer fee. Plus mailing anything is not quite reliable here. She would also have to consider whether she need to pay Russian taxes on this sum. If the sum is big and passes through a bank, I guess Russian tax police may find this out through and question her. If it is withdrawn from a VISA card, I think it will not be noticed, but even in this case she might be required to file a tax herself."


It sorta has to do with zoning because  we decided in Washington that we like have space between houses and a backyard. But because of that, we're spread out. And have longer commutes to work. Which leads to shitty traffic. The only solution to fix the traffic issue I can think of is for big corporations to stagger starting times but that might interfere with business  operations. also give motorcycle riders a lane. Like in California