Your answer will need loads of information and clarification, so I will ask you to visit the VAT and have a peruse. 1) Obligation is for you to find out the correct rate of VAT, charge and pay tax accordingly. You can call up the HMRC VAT helpline for help, which they will be happy to oblige. Normally everybody pays VAT every 3 months or you can pay once in a year. 2) Depends on your annual turnover, including VAT. Less than £150000 you join the Flat rate scheme. There are schemes for cultural activities. Might be good to check here on GOV.UK. 3) If you pay VAT in EU countries, you can reclaim VAT in UK. You need to reclaim VAT while filing in your VAT returns. But be careful about your receipts, which can be checked to verify you are not defrauding HMRC.  The basic rule is that B2B services are, as the name suggests, supplies from one business to another. And, subject to some exceptions, are treated as made where the customer belongs. No VAT is chargeable on B2B supplies to an overseas customer. But where you make a B2C supply, VAT depends on where your customer is located: 1) if they are outside the EU, you don’t need to charge VAT 2) if they are located in an EU country, then you must charge VAT. Source All in all keep all records of VAT charged and paid to satisfy the taxman. If the rules get complicated, get an accountant to help you out. Don' take chances of interpreting the law yourself, the fines you might pay for wrong interpretation might be a deal breaker.


It would involve manual effort, but there is just a handful of exclusions,  buy the fund you want, plug into a tool like Morningstar Instant X Ray,  find out your $10k position includes $567.89 of defense contractor Lockheed Martin,  and sell short $567.89 of Lockheed Martin.  Check you're in sync periodically (the fund or index balance may change); when you sell the fund close your shorts too.


Wheels are a circular component of a car. There are four wheels in a car. The steering wheels are connected to the front axle of the car to perform left and right movement. There are many websites to customize these wheels. It can be a simple paint job, or you can change the entire shape of the wheels.


You're can only get used (you are being used now,) if you let them.  Tell him that a 25% share is the minimum you'll take and that you'll hand him all the login information in the morning if he doesn't accept your terms. Don't bother explaining who did what, he surely knows. And if he doesn't, he surely won't have dome revelation by you telling him the work you did. Quit and learn your lesson and start a competition business exactly the same, and smoothly push your network to your own shop.   Your pal that took out the loan may be entitled to some more equity than you and the third guy, but $10k is really not much money in business. You guys should be making that in revenue in just a matter of weeks. Especially if you have to support three employees / shareholders.   Of course, we only know your side to this story. He may have spent a lot of time on licensing and using his personal network to accomplish certain things that you fail to mention here or are just unaware of.


what i dont get is that the debt actually went down for once and not up and people seem to be unhappy about it because it was under trumps administration.    People need to get this in their heads that this is a win for the people. The nation is so split apart that when something positive it is meet with negativity. Who care if trump did it or not.  IT WENT DOWN thank jesus,buddha or tom cruise who ever but it went down.


no different than me fast forwarding through tv commercials or picking up a magazine.    at least on a computer they can stop me from fast forwarding, which is huge.  and the more targeted advertisement is also huge, as they know my sex/age/and from cookies, who knows, job/interests/etc.


"In general, scholarship income that you receive that is not used for tuition or books must be included in your gross income and reported as such on your tax return.  Scholarship income you receive that is used for those kinds of expenses may be excludable from your gross income.  See this IRS information and this related question. I believe that as represented on the 1098-T, this generally means that if Box 5 (Scholarships and Grants) is greater than Box 1 or 2 (only one of which will be used on your 1098-T), you received taxable scholarship income.  If Box 5 is less than or equal to Box 1/2, you did not receive taxable scholarship income.  This TaxSlayer page draws the same conclusion. However, you should realize that the 1098-T is not what makes you have to pay or not pay taxes.  You incur the taxes by receiving scholarship money, and you may reduce your tax liability by paying tuition.  The 1098-T is simply a record of payments that have already been made. For instance, if you received $10,000 in scholarship money --- that is, actually received checks for that amount or had that amount deposited into your bank account --- then your income went up by $10,000.  If you yourself paid tuition, it is likely that you can exclude the amount of the tuition from your taxable income, reducing the tax you owe (see the IRS page linked above).  However, if you received $10,000 in actual money and in addition your tuition was paid by the scholarship (with money you never actually had in your own bank account), then the entire $10,000 would be taxable.  You do not give enough information in your question to be sure which of these situations is closer to your own.  However, you should be able to decide by looking at your bank account: look at how much money you received and how much you spent on tuition.  If you received more scholarship money than the tuition you paid out of pocket, you owe taxes on the remainder.  (I emphasize that this is just a general rule of thumb and should not be taken as tax advice; you should review the IRS information and/or consult a tax professional to determine what part of your scholarship income is taxable.) In addition, as this (now rather old) article from the New York Society of CPAs notes, ""many colleges and universities prepare 1098-Ts incorrectly and report tuition and related expenses inconsistently"".  This means you should be careful to reconcile the 1098-T with your own financial records of what money you actually received and paid.  When I was in grad school there was a good deal of hand-wringing and hair-pulling each year among the students as we tried to determine what relationship (if any) the 1098-T bore to the financial facts."


GelomanIndianSpares is a biggest stockist of Indian motorcycle spares parts in the world. We provide a variety of spares or be able to order spare parts for your motorcycle and provide a support with qualified specialists. You can also go online to get the most effective and high-quality motorcycle spares parts from our online store.There are many online shops available in the market that provide various products, but we are the best spare parts provider.


Be persistent, be entrepreneurial, never stop pushing.  Also be proactive in every way you can.  Go read that book.  Go meet people in the industry.  Does a friend have a friend who works in the industry? it doesn't matter if he doesn't have any job openings.  Meet 15 minutes for a coffee just to introduce yourself.  If there is an opening in the future I can guarantee you that person will in their head review who they met with before looking at resumes - people remember faces.


Diversification is just one aspect in an investment portfolio. The other aspects in Investment are Risk Taking Ability, Liquidity, Local Regulations, Tax benefits, Ease & Convenience, Cost of carrying out transactions etc. Investing in other regions is prone FX risk and other risks depending on the region of investment. For example investing in Emerging markets there is a risk of Local Regulations being changed, additional tax being levied, or Political instability and host of such risks.  Investing in local markets give you better understanding of such changes and the risk associated is less plus the Ease of carrying out transactions is great, less expensive compared to cost of transactions in other markets. Diversification in Investment should also be looked upon how much you invest in; Equities Debt Bullion Real Estate   Once you have a sizeable amount of investment in Equities or Debt, it would then make more sense to diversify this portion more to include funds from other regions. Unless you are an Running your own business, it makes sense to invest in your line of business if that is performing well. The reason being that the benefit / returns from the equities is much greater than the salary rise / bonus. For example I am in Information Technology and yet invest in all leading IT companies because the returns from companies in these segments have been good.


"This is 100% accurate: ""Conversely, an industry with two or three firms can be more competitive than one with 50, such as supermarkets or online platforms like Uber where economies of scale can enhance competition between fewer but healthier players. The last 40-plus years of economic research is clear: Simply counting the number of firms in an industry tells you very little about competition."""


"That argument is an argument for investing generally, not peer-to-peer lending per se, and the argument as phrased (""thus you should invest your money at a Peer-to-peer loan platform"") is a false dichotomy. That said, as soon as one is investing as opposed to just getting a small but guaranteed return, then risk comes into play.  In that sense, any savings account is fundamentally different from any investment, and, in that reading, the two shouldn't be compared as different approaches to ""investing"".  Peer-to-peer lending as an investment could be aptly compared with stock market investing, for one."


Also you have to be aware that there's an academic finance which is very nice and clean and mathematical, and then there is finance how it works in the real world, which is chaotic and unpredictable.  CFA books, as mentioned by another poster, would be good for learning the former, but don't expect that knowledge to be of any practical value unless you are trying to get a degree or certification.  If you do want to go that route, focus more on information about individual financial products and less on financial market behavior.   If you want to learn more about how the markets actually work I would have to say that it's going to be very hard without any industry experience.  When I started my first job after getting my finance degree I knew absolutely nothing about how things worked.  There are some good books, though more of a good story than teaching material.  Try Michael Lewis.


https://www.google.ca/amp/s/amp.businessinsider.com/most-important-finance-books-2017-1  Bloomberg, finacial times, chat with traders, calculated risk, reuters, wsj, cnbc(sucks), bnn (if canadian)  Audio books on youtube helped me read a lot of finance books in a short amount of time, listen while working out.  One thing that helped me stand out at my student terms (4th year here) was learning outside of the classroom and joining an investment club. Learning programming can help if thats a strength, but its really not needed and  it can waste time if yoi wont reach a point to build tools.  Other than that at 18 you have more direction than i did, good luck!


"What you are referring to is called an ""externality"" in economics. Efforts are often made by governments to internalize costs to groups and individuals that don't experience consequences of their actions.   But from another perspective, forces such as scientific advancement bring new methods of eliminating such consequences. Much like the Wall-E concept per the movie of the same name (technology reorganizing or converting what was previously waste).   This is another aspect of the free market, but it has what some economists call ""stickiness"" or delay from problem to solution, as scientific advances are often done via fiscal motives, urged on by the marketplace and public demand."


"If you are already invested in a particular stock, I like JoeTaxpayer's answer. Think about it as if you are re-buying the stocks you own every day you decide to keep them and don't set emotional anchor points about what you paid for them or what they might be worth tomorrow. These lead to two major logical fallacies that investor's commonly fall prey to, Loss Aversion and Sunk Cost, both of which can be bad for your portfolio in the long run. To avert these natural tendencies, I suggest having a game plan before you purchase a stock based on on your investment goals for that stock. For example a combination of one or more of the following: I'm investing for the long term and I expect this stock to appreciate and will hold it until (specific event/time) at which point I will (sell it all/sell it gradually over a fixed time period) right around the time I need the money. I'm going to bail on this stock if it falls more than X % from my purchase price. I'm going to cash out (all/half/some) of this investment if it gains more than x % from my purchase price to lock in my returns. The important thing is to arrive at a strategy before you are invested and are likely to be more emotional than rational.  Otherwise, it can be very hard to sell a ""hot"" stock that has suddenly jumped in price 25% because ""it has momentum"" (gambler's fallacy). Conversely it can be hard to sell a stock when it drops by 25% because ""I know it will bounce back eventually"" (Sunk Cost/Loss Aversion Fallacy).  Also, remember that there is opportunity cost from sticking with a losing investment because your brain is saying ""I really haven't lost money until I give up and sell it."" When logically you should be thinking, ""If I move my money to a more promising investment I could get a better return than I am likely to on what I'm holding."""


@victor has the most descriptive and basic idea on how this is done.  The only thing I would add is that one benefit to real estate is that you can control how much the property is worth.  By increasing rents and making the property one of the best in the neighborhood, you increase the value. As for the comment that this is the type of investing that caused the 1929 stock market crash, there are many other aspects that are overlooked.  Taking equity out of real estate has been happening long before and after the depression.  People do it all the time by taking out home equity loans, just not everyone uses it to purchase another investment.


This is a question I asked myself while considering an HSA, and I couldn't find any answers, so now that I have one, I'm answering it myself. I asked a family-friend/investment-banker about it, and he suggested you could only make distributions when on an eligible HDHP, but wasn't completely sure. I was about to post the question here to confirm or contradict his statement when I ran across IRS Publication 969 referenced in another SE question. In it, I found this statement under the 'Distributions From an HSA' heading:    If you are no longer an eligible individual, you can still receive tax-free distributions to pay or reimburse your qualified medical expenses. Which indicates that you can still make qualified, tax-free distributions even when you are no longer eligible to contribute. (Unless someone else has evidence to the contrary)


If employees are more productive, then you need less of them to produce the same amount as they did before. Companies want constantly increasing demand for their products so that their value does not decline as their growth and output increases. If companies do not increase pay with productivity, then no one can afford to buy up the increase in products and they become worthless.


">I've seen that happen many times.  I have too. Including several times where I was personally involved -- either on the hiring or the hired end; not to mention countless dozens of times with colleagues and coworkers.  Most people don't realize it, but the vast majority of positions never even make it to the ""help wanted"" stage -- someone is already lined up and hired before it gets to that point -- and a not insignificant number of the ones that *do* get posted as job listings, are also already filled (the company is just going through the motions, either as a negotiating tactic, or because they want to see what/who else is out there).  >It happened with the position I'm in currently. I started out as a temp. Originally the job ad was some aimless posting about needing a new accountant, the accountant didn't even need a college degree if they had equivalent work experience. Then all of a sudden one week the posting changed to a copy-paste job of my work and educational experience (much more demanding than the previous ad).  Ha!  Means there is one SMART manager there (both for the fact that they DIDN'T demand the ""degree"" in the first place, and secondly because they knew how to work the system to get YOU hired full time).  Dollars to donuts... I'd be willing to bet you have a pretty good boss there."


"This is the best tl;dr I could make, [original](https://www.theatlantic.com/business/archive/2017/10/real-middle-class-tax-cut/541779/) reduced by 86%. (I'm a bot) ***** > Gary Cohn, the White House&#039;s chief economic adviser, says the president&#039;s tax cut is &quot;Purely aimed at middle-class families.&quot; Steve Mnuchin, the Treasury secretary, promised Congress that tax reform wouldn&#039;t benefit the rich.  > The upshot: The Trump tax cuts are worse for low-income people, worse for the middle class, and better for the 1 percent than the tax cuts of the last Republican president.  > A good way for Washington to reduce these families&#039; tax burden would be to increase tax benefits, like the child tax credit and the Earned Income Tax Credit, which supplements the wages of lower-income workers and their families.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/742rzq/this_is_what_a_real_middleclass_tax_cut_would/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~221367 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*: **tax**^#1 **cut**^#2 **income**^#3 **percent**^#4 **Trump**^#5"


Nothing you posted addressed anything I wrote. We can't know the future warming without knowing climate sensitivity (the multiplier factor) We don't even know if that is positive or negative. Here is a direct quote from the last IPCC report:   Page 11:16 “No best estimate for equilibrium climate sensitivity can now be given because of a lack of agreement on values across assessed lines of evidence and studies.”  Does that sound like 97% consensus? Does that sound like settled science upon which we should act?


"And who can afford new high-density apartments? Rich people who run airbnb and rent out at the same crazy prices, foreign rich ""investors"" and large businesses who move into corprorate buildings. For the average joe who suffers the most from real estate bubble, the supposed solution of new motivated construction only becomes a solution after the bubble bursts, when the prices plummet and suddenly there's a lot of cheap but new apartments. Until then, when they actually need a solution there isn't one."


It's not the words on the can that are wrong. It's the colors. They're practically undermining the marketing trademark they've had forever on the signature red cans. I would have assumed they re-designed the diet cans before I'd think to consider them as regular Coke ones.


"I feel the same way too!  With two kids, I feel like I am spending what it would cost to run a small country just on clothes, shoes, jackets, replacing everything as it is grown out of! A few things I do:  I shop in affordable places and check out sales, and look for the cutest things I can find there in a reasonable price range.  If you aren't browsing in the $60 baby dresses, you aren't tempted by them.  I don't go looking at $60 shirts for my son, he's five and he doesn't need a $60 shirt.  I also really only shop for him two or three times a year for clothing...back to school and early spring are the big ones.  For fall I got him five pairs of jeans, maybe 8 tops, new socks, etc.  I'll add in a couple of heavier sweatshirts, etc as I go, but I really don't browse for him...it's too easy to find something to buy! I look for inexpensive lines for the things that don't really matter...bright T's for my son for summer that just get dirty and spilled on, sleepers, socks, pj's, etc.  Joe Fresh, Walmart, Old Navy, Costco.  Then I choose a few things that I know I want brand name or more stylish options for, and find ways to buy them more cheaply.  These might be things like logo'd fleece tops, trendy jackets, things where the style is actually noticed.  I buy jeans at Old Navy for my son when they are on sale, I buy Gusti/Genevieve LaPierre snowsuits at Sears when they are 40% off in Sept/Oct.  The Childrens' Place has good quality, stylish clothing for kids and if you watch, they always have deals on their jeans or tops...then I stock up.  And for younger kids, Old Navy and The Children's Place jeans have adjustable waistbands.  I've already unrolled cuffs and let out the waist in my son's back to school jeans. I have friends who are starting to take in bags of too-small clothing to consignment shops...if they come away with $100, it's still $100!   For preteen and teen kids who want certain brands, etc, I think it is very reasonable to say ""we will pay x for each pair of jeans, or x for winter boots.  If you want to throw in some babysitting/birthday money and go buy something more expensive, you are welcome to do so!""  That way, you are still paying for basics, but they can feel like they aren't stuck wearing things they don't like.  Tell them...you can buy 5 tops at $x each for back to school, or 10 tops at $x.   And lastly, and most sadly of all:  buy less..and stop shopping.  There, I said it out loud.  I try to be careful of what I buy, but I still find things I bought that were never worn.  Now I keep a return basket in laundry/mudroom...if I don't love it, if it seems impractical now that I got it home, if I wanted it just in case item #1 didn't work...it goes in the basket.  And I return them.  I suck it up, I take it with me and go get my money back.  Mistakes can be fixed if the items haven't been worn or washed."


Right.  He essentially just did a deal with a bleeding company THAT HE IS IN CHARGE OF, and is guaranteed to make 9.75% on his $200mil.  Unbelievable.  Plus it caused Sears stock to jump 9% potentially giving him opportunity to unload some of his stock at what could be a high point for the future of the stock.


Even though you can't find a job for a broadcast tech degree, you can find other jobs that suit you out of that field. A degree isn't the only thing that makes your job potential, experience, networking, certifications, and accomplishments do. You're smart enough to get a B.S. That's something most people can't do. You can go back to school and pursue another degree with a higher market value, learn a trade, find friends that can connect you in their field. I believe in ya bro.


You can have a pretty good guess by looking at price pattern and order flow (size of the trades) a) price should be traded in a range b) relatively large size orders, speed.


It's hard to argue against the bailout when the alternative scenario was unknown. Of course, there are hypothesis about what that would have looked like and I don't think any of them posit that we would have been better off.   People make this a political argument but it wasn't a political decision at the time.


"My understanding is that credit card companies are allowed to accept retirement income as part of the income that would qualify you for credit. The Consumer Finance Protection Bureau issued a final rule amendment to Regulation Z (the regulations around Truth in Lending Act) in 2013 in response to some of the tightening of credit that resulted from the Credit CARD Act of 2009.  The final rule allows for credit issuers to ""consider income and assets to which such consumers have a reasonable expectation of access."" (Page 1)  On page 75, it outlines some examples: Other sources of income include interest or   dividends, retirement benefits, public assistance, alimony, child support, and separate   maintenance payments.... Current or reasonably expected income   also includes income that is being deposited regularly into an account on which the consumer is   an accountholder (e.g., an individual deposit account or joint account). Assets include, for   example, savings accounts and investments. Fannie Mae explicitly mentions IRA distributions in its Documentation Requirements on mortgage applications.  For them, they require that the income be ""expected to continue for at least three years after the date of the mortgage application."" Lenders can reject or lower your credit limit for just about any reason that they want, but it seems appropriate for you to include your retirement distributions in your income for credit applications."


"Not sure what you are talking about.  The house isn't part of a business so neither of you can deduct half of normal maintenance and repairs.  It is just the cost of having a house.   The only time this would be untrue is if the thing that you are buying for the house is part of a special deduction or rebate for that tax year.  For instance the US has been running rebates and deductions on certain household items that reduce energy - namely insulation, windows, doors, and heating/cooling systems (much more but those are the normal things). And in actuality if your brother is using the entire house as a living quarters you should be charging him some sort of rent.  The rent could be up to the current monthly market price of the home minus 50%.  If it were my family I would probably charge them what I would pay for a 3% loan on the house minus 50%.   Going back to the repairs... Really if these repairs are upgrades and not things caused by using the house and ""breaking"" or ""wearing"" things you should be paying half of this, as anything that contributes to the increased property value should be paid for equally if you both are expecting to take home 50% a piece once you sell it."


Which of these two factors is likely to be more significant?  There is long term trend that puts one favourable with other. .... I realise that I could just as easily have lost 5% on the LSE and made 5% back on the currency, leaving me with my original investment minus various fees; or to have lost 5% on both. Yes that is true. Either of the 3 scenarios are possible. Those issues aside, am I looking at this in remotely the right way?  Yes. You are looking at it the right way. Generally one invests in Foreign markets for;


My wife just got a Moto G off Amazon for [$80](http://www.amazon.com/Moto-Boost-Mobile-Prepaid-Phone/dp/B00HPP3VW2/) and is using it on Ting, which means if she keeps her mobile data usage down the phone should cost us about $10 - $15 a month.  It is an amazingly good phone for that price.


You should see what your average weekly purchases are and set that aside in your checking/current account, then you should typically not be in danger of overdrawing. Doing this exercise will also help you get a better understaning of your spending and spending habits. For example if on average you spend $500 USD a week then put say $575 USD in your current account and you should not be in danger of over drawing and then having to go into your online account and make the transfer. I always tell people to setup a budget and to stick to it as best as they can, earmark money for dining out, entertainment, anything they can think of that they would spend money on, this way they can keep track of where it goes and how often and quick it goes.


Well it depends on whether or not your differentiating against. If its capital stock or stock as in a share certificate in the company. If its a share in the company then in my opinion using Equity would be best as it is a form of an asset and does refer to a piece of ownership of the entity. I wouldn't consider a share of stock a service, since the service to you is say Facebook or the broker who facilitates the transaction of buying or selling FB stock. I also would not consider it a Capital Good, as the Capital Good's would be the referring to the actual capital like the servers,other computer equipments etc.


if I have a asset A with expected return of 100% and risk(measured by standard deviation) 1%, and asset B with expected return of 1% and risk 100%, would it be rational to put asset B into the portfolio ? In the capital asset pricing model (CAPM), investors are rational and have access to perfect information. Asset A sounds like an excellent investment,  B like a lousy one -- B is probably very far from the efficient frontier. Investors know this, so A's market capitalization will be high, B's low. According to the CAPM, you should then do the same rational thing everyone else is doing, which is to buy a lot of A and very little of B (each in proportion to its market capitalization). Of course the CAPM is just a model, and like any model it is only as good as its assumptions. However, I think this particular application of the model gives a pretty reasonable common-sense answer to the question.


I didn't have a a problem with BWW last time I went with a bunch of people. However that's was a while ago, their locations are sparse and inconvenient, and every pizza place serves wings. I don't remember their prices but I do know that attacking their target audience is a bad move.


"This is very true. I just don't know how much longer I can go because in order to promote at enterprise your ""insurance"" sales have to be a certain number for a three month average and I am pretty well below because I don't believe in the products. It feels impossible to sell something a person truly doesn't need."


If you have an actual legal entity (legal partnership) that is jointly owned by you and your partner, then the partnership receives the money, and the partnership then sends money to you and your partner. Each of you will pay tax on your share. It's possible that the partnership itself may have to pay taxes. If you are not following that procedure in terms of actual money flow - for example if the royalties are paid into your personal account instead of a partnership account - then you may have trouble convincing the tax authorities that this is the legal situation. If this is a small amount of money then you may be better off just paying the taxes.


"Well, they can. Up to six years in many countries. There can be consequences. If you went to the dentist three years ago, were happy with the bill and returned every six months, and the dentist informs you that your six $200 bills should have each been $1,200 then it is obvious that you would have looked for another dentist if the first bill had been correct; in that case you have a very good reason to refuse to pay the difference on the other five bills.  (That's if you were not aware that the bill was wrong. If every time he fixed your teeth and the bill says ""examining your teeth"" which you would expect to be a lot cheaper, then maybe you should have known that the bill was wrong. Just an example)."


"Yahoo Finance is definitely a good one, and its ultimately the source of the data that a lot of other places use (like the iOS Stocks app), because of their famous API. Another good dividend website is Dividata.com.  It's a fairly simple website, free to use, which provides tons of dividend-specific info, including the highest-yield stocks, the upcoming ex-div dates, and the highest-rated stocks based on their 3-metric rating system.  It's a great place to find new stocks to investigate, although you obviously don't want to stop there.  It also shows dividend payment histories and ""years paying,"" so you can quickly get an idea of which stocks are long-established and which may just be flashes in the pan. For example:  Lastly, I've got a couple of iOS apps that really help me with dividend investing: Compounder is a single-stock compound interest calculator, which automatically looks up a stock's info and calculates a simulated return for a given number of years, and Dividender allows you to input your entire portfolio and then calculates its growth over time as a whole.     The former is great for researching potential stocks, running scenarios, and deciding how much to invest, while the latter is great for tracking your portfolio and making plans regarding your investments overall."


Definitely sounds like scam. Odds are are high that the page he gave you the link to is a fake and this app is pure identity theft. Run away, unless you are interested enough to do the work to check with the company and confirm this is legitimate.  Nobody contacts strangers with this kind of story without it being a scam. The fact that this one sounds shady is an attempt to keep you from questioning it too closely. Think about it: if it was at all legitimate, couldn't he find a friend of a friend? If it sounds too good to be true, it ain't true. Never download software unless you know exactly where it is coming from. It could be anything from ransomware, to something that first steals all you financial info, then uss you mail account to send a similar pitch to all your friends, to a botnet that uses your machine to attack other machines.


"While this does fall under the ""All-inclusive income"" segment of GI (gross income), there are two questions that come up.  I invested in a decentralized bitcoin business and earned about $230 this year in interest from it Your wording is confusing here only due to how bitcoin works."


If it's a rental, you will write off the losses via Schedule E. You should read this document and its instructions to understand this fully. You will also take depreciation on the value of the building, not the land, over 27.5 years. If you don't understand this, search here, there are discussions that cover this.  If it's not a rental, but your home or second home, you take the interest and real estate tax off you tax via Schedule A, if you itemize. (I see the tag 'rental' but leave this line for sake of a complete answer.)


"Cars depreciate the most their first year after introduction. So you could buy a ""new"" car in year 2 for the optimal price, and at year 4 (when you finish paying yours off) you could buy the next car in year 2 (this is surprisingly similar to rolling options in a buy-write strategy, an arguably more constructive use of your money)"


To quote the answer you linked to: Perhaps the simplest way to think about this is you can only deduct an expense that you actually incur. In other words, the expense should show up on a bank or CC statement. So, if your business purchased the $1000 gift card for $800, you should see a $800 charge appearing on a business CC or bank statement. You would therefore be able to deduct the $800, but not the full $1000 of items that you purchase with it. Side Notes:


The fee to withdraw cash from an ATM using your credit card (as opposed to your debit card) is akin to the merchant fees paid by any business that accepts your credit card as payment. These fees range from around 2.75% of the transaction to upwards of 5%, and are charged to the merchant. The fees are split among the various vendors that provide the infrastructure to conduct the credit card transaction — resulting in the merchant receiving the money and the charge on your credit account. These fees are used by each vendor to cover their costs and, ultimately, generate a profit. (Note: Most vendors in the value chain DO NOT receive any revenue from any interest you may pay on your outstanding balance.) Therefore, when you withdraw cash from an ATM, you are paying the merchant fees instead of whatever merchant you are purchasing goods/services from with the cash withdrawn.


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Straight line depreciation is marginal as far as I understand. It would be a flat expense each year. Unless you mean 2 mil year one and 4 mil for years one and two combined and it's just written ambiguously here. It seems pretty straight-forward to me. 10 mil rev per year operating increase. 6.5 mil operation expense increase. Net income= rev-expenses. Depreciation expense is not an operating expense. As far as relevant cash flows I guess if there's not omitted info in this post would just be the cash for the initial investment, the added expenses, the added revenue, the salvage sale.


You might want to look up Dividend Yield Trap. Many stocks with high dividend yields got that way not because they decided to increase their dividend, but because their prices have dropped. Usually the company is not in good shape and will reduce their dividend, and you're stuck with a low-yield stock which has also decreased in price.


You need to submit an updated return. The problem is that once three years have passed you can't update the return to get any kind of refund, but if they are going after you for the sale price of the stocks, not knowing the cost, your goal is to show them there was no gain, and in fact you'd have had the loss if you were aware of the account. This is less than ten years back, so the broker should be able to give you the statements pretty easily.


No. You can sell anytime. I am in pedantic mode, sorry, the way the question is worded implies that you can sell only if it rises. You are welcome to sell at a loss, too.  Yes. The fund will not issue a dividend with every dividend it receives. It's more typical that they issue dividends quarterly. So the shares will increase by the amount of the undistributed dividends and on the ex-div date, drop by that amount. The remaining value goes up and down, of course, I am speaking only of the extra value created by the retained dividends.


Dude you're literally trying to insult me by saying I have a job I don't have, but I guess there's not much you can actually say about my dope ass life. Go back to asking Reddit about which bars in NYC you can go to to make friends you awkward neckbeard lmaoo, talk about pathetic.


Minimum wage goes up --> some workers are eliminated/reduced --> new hiring slows --> wait --> disposable income increases among those still employed --> demand increases --> employment goes up.   How is this confusing?   If anything still needs to be considered, it's what percentage increase of the minimum wage will most efficiently counteract the corresponding percentage drop in income from related lost wages.


"Do you know what ""usually"" means?  Ah Brown Paper Tickets ... they work with small acts at small venues. Many of the shows they are promoting were at fucking churches. Haha, Not the same as a medium-to-big name act at a ""real"" venue."


History...  No company has maintained such a high market cap over an extended amount of time.   Not only that, but is Apple worth a trillion dollars?  In a generation will their products be as popular?  They're worth significantly more than Exxon Mobil at this point...  If Apple's market cap does go to a trillion dollars its an upside of 60 percent or so.  Or I can invest in a company like Lenovo whose market cap is 11 billion and is expanding like crazy.  If their valuation goes up even to the 50 billion mark, that's an upside of nearly 400 percent.  Plus there's the whole supply/demand dynamic for a stock that is already widely owned, how much more money can new investors put into it?  When will all the funds who hold massive quantities sell?  Etc...  There are many reasons why no company has maintained a trillion dollar valuation....    Honestly it shocks me that people who frequent a finance message board don't understand these things.


There are dogshit parts of every field. Literally, every field. I went to an SEC school and don't know a single person who had good grades in finance that ended up in one though.  Everyone I know is murdering it.  Or, fuck my anecdotes, look at the actual data. Finance and Econ is above every non-science field (and plenty of science fields) which is exactly what I said.  http://www.payscale.com/college-salary-report/majors-that-pay-you-back/bachelors?page=23  So take this dumbass troll shit elsewhere. Not sure your vendetta against Finance - its as good as it gets for business majors.


The most tax efficient way to get some cash would be to sell some stocks from the Fidelity account that have the lowest capital gains. The tax will typically be 15% of the capital gains. This will be a one-time cost which should save you money compared to paying 7.5% on the loan year after year. Tax on selling the stock options will probably be higher, since you imply there would be high capital gains, and some of the proceeds might even be taxed as income, not capital gains.


>In fact, a part of me is ready to accept America becoming what France and the UK are now, still having relatively good standards of living but nowhere near the height of their historical powers.  I am almost convinced that is the case.


Corey Rockafeler is president of Vaalk Consulting Group. He is also small business financing expert and part of leadership team at Bell Funding Solutions in New York City. Some of the city’s top businesses regard him as their first choice when it comes to securing growth and expansion capital. He offers complete financing solutions for growing business. His custom solutions include everything from multi-year terms, lines of credit, asset and collateral based loans, factoring and receivable financing to SBA and SBA bridge loans. When asked about his key to success, Corey stated, “It’s all about passion


Besides the long-term concern about which is cheaper, which has already been addressed by other answers, consider your risk exposure. Owning property has financial risks associated with it, just like owning stocks or bonds. The risk-related downsides of owning a home as an asset include: The risk-related upsides of owning a home as an asset include: Taking on some risk can save you (or earn you) money in the long run (that's why people buy risky stocks, after all) but consider how well you're equipped to handle that risk before you rush out to buy on a naive analysis of what's cheaper.


">I'm always amazed when people come to the defense of large corporations. Target would NOT HESITATE to do ANYTHING possible to squeeze every dime, dollar, etc, out of each and every one of their customers.  >When the customers do it, though, suddenly it's ""looting"", ""stealing"", etc? Fuck that.  You're right. They are both committing morally objectionable acts and both deserve to be shamed for it.  I realize thats not what you were really getting at, but that is MY point. You criticize the article for not chastising Target (and imply that they should be), but for chastizing customers when they ""do it"". Im sorry, but just because you think the corporation is more well off then the customers, doesnt make similar actions acceptable for consumers but wrong for the corporation. Its wrong no matter who does it and who they do it to."


I would have been more willing to agree/discuss your ideas if you didn't come across like a child. Seriously if you want to have a discussion leave the childish name calling at the door. Your arguments should stand by themselves with out the need to attempt to belittle an opposing opinions with small minded words like whiny left...


"> All those receptionist that are being displaced by graduates  Receptionists aren't getting replaced by graduates.  They're being replaced by MS-Word 2010, Google Calendar, Facebook, etc.  Improving information technology means we need less people managing information by hand.  The law firm I did IT support for 20 years ago used to have 1 secretary for every attorney.  It's like 1 sec'y for every 5 attorneys now.  Those jobs are going away, that's the problem.  Another aspect of the problem is, those secretary jobs aren't being replaced with as many IT jobs.  Technological innovation means we need less people to do the same amount of work.  Maybe I'm not understanding your point here, or maybe you're not understanding mine.  I'm not arguing that re-structuring labor markets and occupations during recessions is a ""good"" thing.  I'm only arguing that this happens (find me any economist who won't agree on this point.)  It's not good or bad.  It exists.  This is what happens during a recession.    I am arguing that the prescription isn't to try to fight it.  Trying to keep people like the woman in TFA employed as receptionists isn't going to do any good in the long term for the economy.  If we try to keep real estate agents in business after the housing boom, or bankers afloat after the financial crisis, we're only punting on big structural economic problem for a later day, we're only continuing to put off essential evolution in the labor market.    I'm not arguing for any proscriptive solution here.  Candidly, I don't think there is one.  I think the woman in TFA needs to figure out on her own how to maximize her own economic potential.    It sucks, but this is what happens during a recession.  Using tax dollars to artificially prop up her employment prospects, while diminishing others employment prospects doesn't solve any problems at the macro level.  I don't understand what you're arguing for here.  I agree that there is a core problem right now with unemployment and not enough jobs.  But I'm not sure what solution you're offering, it seems to me that you're just arguing against basic economic theory here."


Paper money and coins cost real resources too, but it doesn't matter much that it costs resources, except maybe for the environment.  No institutions controlling the price and supply is a good thing. I prefer a currency in which the global market decides the price and not some government I don't trust that keeps printing more and more for decades, causing the currency to lose value over time.  Bitcoin and cryptocurrencies will never replace normal currencies, but they are already competing and it's good that governments and banks  don't have an oligopoly anymore.   Bitcoin is a great mix of a currency and safehaven for longterm inflation. It's easily transactable and divisible without a third party AND because it's scarce, yet more accessible than gold, it's a great place to store value to escape an economic crisis or simply monetary inflation.  Now you'll probably say, something volatile isn't safe enough for a safehaven. But I think the higher the price and the longer it exists the less volatile the bitcoin price will be and that the longterm trend will be up, even after it surpasses the marketcap of gold.  Meanwhile, cryptocurrencies are a great way to crowdfund interesting projects and create value out of nothing, enriching young smart people whom will be able stimulate the global economy.


Well, you know - unelected, apart from MEPs and the Council of Ministers.  The Commission is unelected, but they're meant to be the civil servants.   Are the rules made in the interest of Financial Services? Not particularly. You could perhaps make a case for them being made in the interests of French farmers.


"I don't think even an outlet format would be sustainable in the long run. Literally all the major brands and products they carry are already offered by more reputable retailers (Best Buy, BB&Beyond, Home Depot, etc...)  The only way I could see it working out is if they offered in-house, low-quality alternatives. A ""Harbor Freight"" of everything except hardware."


"Ok, I stand corrected. Still... those papers are quite away from my field of expertise and I don't want to lose a lot of time learning all the financial lingo. I asked an easy question: ""Is this [the everything bubble] a thing or not?"" It seems that it's not, but I still wanted to know more about it."


only job a friend found loosely in the field, with a degree in Economics was hustling investments to friends. He had supportive parents who let him move home, took an accelerated MBA program, graduated and now has an actual job in finance in the gov't.


All of RonJohn's reasons to say no are extremely valid. There are also two more. First, the cost of a mortgage is not the only cost of owning a house. You have to pay taxes, utilities, repairs, maintenence, insurance. Those are almost always hundreds of dollars a month, and an unlucky break like a leaking roof can land you with a bill for many thousands of dollars. Second owning a house is a long term thing. If you find you have to sell in a year or two, the cost of making the sale can be many thousands of dollars, and wipe out all the 'savings' you made from owning rather than renting. I would suggest a different approach, although it depends very much on your circumstances and doesn't apply to everybody. If there is someone you know who has money to spare and is concerned for your welfare (your mention of a family that doesn't want you to work for 'academic reason' leads me to believe that might be the case) see if they are prepared to buy a house and rent it to you. I've known families do that when their children became students. This isn't necessarily charity. If rents are high compared to house prices, owning a house and renting it out can be very profitable, and half the battle with renting a house is finding a tenant who will pay rent and not damage the house. Presumably you would qualify. You could also find fellow-students who you know to share the rent cost.


You whining butthurt projectionists can't stand up to any scrutiny. Stick to your weak propaganda hate sites if you can't handle reddit and having to deal with people that have their own views that aren't spoon fed to them by their news media.  How's that wall coming?  How's the Obamacare repeal going?  Did you stop all Muslims from coming into the country yet?  Normally I'm more tempered in this sub, but enough is enough, we cannot all your brand of stupid to infect threads without challenge anymore. You are not genuine, you are liars and self serving narcissists. Be gone.


I could live with the design of the Tesla, but for me the deal breaker is that touch screen in the center console.  I don't want to take my eyes off the road to search through a menu.   Call me old school, but I prefer physical knobs to adjust things.     /get off my lawn.


I'm trying to think it out, but I feel like it would be hard to justify using potential profit sources as material for dividends. Especially your example of wine. Wouldn't it be counterintuitive to take a hit to sales, while still having the cost of production?


">The real question becomes, ""How much health, education and social care is it the government's responsibility to provide?"" or, to put it another way, ""What should I get for free at the expense of everyone else if I choose not to work?""  I would answer: a set fraction of the mean income, distributed to *everyone* whether or not they have other income."


Generally, if you are trend trading, and if the market as a hole is going up strongly and an individual stock is falling sharply on the same day, I would tend to stay away from buying that stock at the moment. The market is showing strength whilst at the same time the stock is showing weakness. The general rule of thumb for trend trading is to buy rising stocks in a rising market. Or you could look to short sell falling stocks in a falling market.


"A more serious problem: how do you know who's really buying your stock? ""Shell companies"" are an increasingly obvious problem in corporate and tax accountability. There are jurisdictions where companies can be created with secret lists of directors and shareholders. If stock is bought by one of these companies, it is very hard to trace it to a particular individual."


> She's asking for society to pay her a reasonable wage for her labor.  and the market responded.  >Why is that for folks like you, it's always fine if companies raise prices; but if employees want a higher wage, it's an outrage?  Wat? She is free to ask for any amount she wants, just as your phantom company can ask for any amount for a product. Ohhhh you left out the part where you want daddy government to FORCE others to use a wage floor.


"All you have to do is survey the main cast of characters in finance and politics to assess the generational culpability. Dimon, Blankfein, Geithner - all Gen X.   This crisis was about Gen X refusing to hold their own accountable so as not to lose face with Baby Boomers.  Gen X wasn't raped. The ""financial copulation"" was consensual"


The NYT is a very left leaning publication that usually advocates for *more* government. The current situation is a general pointed to by small government types as direct result of government fuckery making things worse than they would have been otherwise.  FTR- id like to see healthcare benefits taxed as regular payroll.  Then this problem would solve itself almost overnight.


It's not losing either of those. In both areas there is potential for damage arising from Brexit, but it remains to be seen how bad this will be. London will remain the largest financial centre in Europe for the next decade regardless of the outcome of the negotiations.  If the City gets a good deal, it will remain the financial capital of the world.


This is a wonderful comprehensive answer as it relates to transferring goods, and evaluating profitability. I would like to add to your post and comment about a few other costs that are transferred.  First though, I disagree with your comment about transfer pricing being about opportunity cost. I think transfer pricing is first and primarily about the matching principal. Properly matching expenses incurred to the revenues generated from those expenditures, or in the case of period expenses, to those entities that received a benefit in the proper period. I don't work in tax, so I'm by no means an expert in this subject, but I am a CPA and I feel I have a solid understanding of the subject.  Some additional items going through TP might be: interest, shared corporate services, the amortization of intellectual property, technology fees, and depreciation charges. This is not a comprehensive list, and please don't take it as such.   None of these need apply to every company, and certain industries and even individual companies will have exceptions. For example, for various reasons, a multi-national conglomerate may choose to maintain separate treasury functions for it's vastly different businesses, so you may not see much interest TP.   Interest is pretty straight forward, and is the interest a company is paying on a debt. Not all interest is transferable, but a classic example might be borrowed funds used for an acquisition. The interest cost associated with that should be transferred in part back to the original entity. Short term borrowing costs used for operating capital is another classic example.   Shared corporate services are centralized functions like a legal department, accounting department, executive offices, and the like. This can also be an IT department or in the instance of an international website (maybe google), an operations team monitoring the server loads and up-times.  IP could just be patents that have definite lives that a number of businesses are benefiting from. IP is a bit of a mess to get into for various reasons and I'm trying to stay focused in this post. Some reasons for complexity include: the valuation, life of the asset, benefit of use, is the entity even really using it?, etc. I would imagine this is where companies get away with A LOT.   Technology fees can be software licenses (Windows ain't free).  Depreciation can be capitalized proprietary software.  I'm running out of gas and wanted to comment about OP's question.   I don't think SLA's and Internal billing services are a matter of directly increasing efficiency, more a matter of not creating inefficiencies. Going anecdotal, anywhere I've worked, the best person to do the job has been whoever's closest to the work. It wouldn't make much sense to me  to have accounting gather up internal support during the VERY time sensitive month-end close for something like one division's trade magazine that another division placed an ad in. On the other hand, I think the allocation of copy expenses on an activity basis is an absolute waste of time. It all depends on the specific transaction in question.  Great post bctich. Don't mean to detract, just looking to help others understand.


Typically, this is not an option, as the monthly payments are fixed. It depends on the willingness of your financing bank for such a change. You probably will have to refinance (with them or another lender); which is not a bad thing, as you even can get a lower interest rate potentially (as of Jan 2017 - this will change). Consider too: It could be a better solution to instead invest the 25000, and use the investment returns to fill up the difference every month. Certainly more effort, but you probably come out ahead financially.


Isn't that why it basically failed in it's beginning?  Most people didn't buy into it.  IMO most products the fail to live up the hype die a horrible death and are never seen again.  Just so happens that the Segway actually has an applicable use, even if the original marketing push was in the wrong direction.


"Often these types of trades fall into two different categories.   An error by broker or exchange.  Exchange clearing out part of their books incorrectly is an example.  Most exchanges make firms reopen their positions for after market hours.  There may have been an issue doing so or exchange could incorrectly cancel positions.  I was in the direct feed industry for years and this was a big issue.  At the same time the broker can issue a no limit buy on accident (or has software that is prospecting and said software has a bug or written poorly).   unscrupulous parties looking to feign an upswing or downswing in market.  Let's say you hold 500k shares in a stock that sells for $11.  You could possibly buy 100 shares for $13.  Trust me you will find a seller.  Then you are hoping that people see that trade as a ""norm"" and trade from there, allowing you to rake in $1M for spending an extra $200 - NOTE this is not normal and an extreme example.  This was so common in the early days of NASDAQ after hours that they discontinued using the after hours trades as part of historical information that they keep like daily/yearly high or closing price.  The liquidity allows for manipulation.  It isn't seen as much now since this has been done a million times but it does still happen."


Short answer: No, it only matters if you want to use covered calls strategies. The price of a share is not important. Some companies make stock splits from time to time so that the price of their shares is more affordable to small investors. It is a decision of the company's board to keep the price high or low. More important is the capitalization for these shares. If you have lots of money to invest, the best is to divide and invest a fixed pourcentage of your portfolio in each company you choose.  The only difference is if you eventually decide to use covered call strategies. To have a buy write on Google will cost you a lot of money and you will only be able to sell 1 option for every 100 shares. Bottom line: the price is not important, capitalization and estimated earnings are. Hope this answers your question.


I agree.  Billing by the hour for a sole-proprietorship is the exception, not the norm.  You either usually sell a product for a fixed price or provide a service via contract for a total sum.  That and the term 'sole proprietorship' doesn't preclude you from having thousand of employees working for you.


You pay for the traction, not the technology. What's valuable about Slack is that a lot of companies use it and have become accustomed to it. It's the same reason why Facebook paid billions for WhatsApp even though it's nothing to write home about technology wise.


Typical wire transfers are not with 4-5%; but it all depends on the bank that does the transfer. You can chose to send ('wire') the money in source currency or in US $; the former, the target bank in the US does the conversion (so pick one that adds no or little spread); the latter, the sending bank does the conversion (so ask about their fees/spreads). I have multiple times transferred money across the ocean (though not from Japan), and never paid more than 0.3% + ~40 $ flat. It should be possible to get te same range. Note that if you look around for current offers, you might be easily able to even make some money on it - some US banks are eager for new money, and offer 200+$ bonus if you open an account and bring (significant =15k$+) new money to them.


Calculation. To calculate the DJIA, the sum of the prices of all 30 stocks is divided by a divisor, the Dow Divisor. The divisor is adjusted in case of stock splits, spinoffs or similar structural changes, to ensure that such events do not in themselves alter the numerical value of the DJIA.


"Opening 50 in Manhattan seems like it would be over-saturation and not the best idea.  The Food & Wine article that NYDN links to says ""50 locations around the city's five boroughs"" which makes a lot more sense to me. 50 brick and mortars for 8.5 million+ isn't as crazy as 50 in just Manhattan."


The last column in the source data is volume (the number of stocks that was exchanged during the day), and it also has a value of zero for that day, meaning that nobody bought or sold the stocks on that day. And since the prices are prices of transactions (the first and the last one on a particular day, and the ones with the highest/lowest price), the prices cannot be established, and are irrelevant as there was not a single transaction on that day. Only the close price is assumed equal to its previous day counterpart because this is the most important value serving as a basis to determine the daily price change (and we assume no change in this case). Continuous-line charts also use this single value. Bar and candle charts usually display a blank space for a day where no trade occurred.


EDIT: new ideas based on the full story. I wouldn't worry about the price history.  While it is certainly true that some buyers might try to leverage that information against you, the bottom line is the price is the price.  Both the buyer and the seller have to agree.   If the initial listing was too high, then lower the price.  If that isn't low enough, then readjust down.  I see no harm in moving the price down over time repeatedly.  In fact, I thin that is a good tactic to getting the most for the house.  If you happen to have the luxury of time, then keep lowering that price until it sells.  Don't fret how that behavior appears. You can lower the price as often as you like until it sells.  I am not a real estate agent, and I am a terrible negotiator, but I would lower the price every quarter until it sells.  You can't go down to fast (a buyer might wait you out) and you can't wait to long as you stated.  Also, if you house is priced inline with the neighborhood, you can at least get offers and negotiate. Buy asking for such a premium (25%) folks might not even make an offer. You simply need to decide what is more important, the selling price or the time frame in getting it sold. If you house doesn't sell because the market doesn't support your price, then consider keeping it as a rental.  You can do it yourself, or if you are not interested in that (large) amount of work, then hire a rental management company to do it for a fee. Renting a home is hard work and requires attention to detail, a good amount of your time and much labor.  If you just need to wait a couple of years before selling, renting it can be a good option to cover your costs while you wait for the market to reach you. You should get advice on how to handle the money, how to rent it, how to deal with renters, and the the laws are in your jurisdiction. Rent it out to a trusted friend or family member for a steal of a deal.  They save money, and you get the luxury of time waiting for the sale. With a real estate lawyer you hire, get a contract for a lease option or owner finance deal on the house.  Sometimes you can expand the market of people looking to buy your house.  If you have a willing purchaser will bad credit, you can be doing them a favor and solving your own issue.  It costs money and you will make less on the sale, but it could be better than nothing. Take heed, there is a reason some people cannot get a traditional loan on their own.  Before you extend your good name or credit think about it.  It is another hassle for sure. This won't help if you have to pay off a mortgage, but you could donate it.  This is another tricky deal that you really need to speak with a lawyer who specialize in charitable giving.  There are tax benefits, but I would make any kind of a deal where tax deductions are the only benefit. This is common enough these days.  If you are unable to pay for the mortgage, it benefits you and the bank to get into a short sale arrangement.  They bank gets probably more money than if they have to foreclose (and they save money on legal fees) and you can get rid of the obligation. You will do a deed in lieu or the short sale depending on how the market it and what the house can be sold for.  You and the bank will have to work it out. This will ruin for a credit for a while, and you will not likely qualify to get a new mortgage for at least a few years. You can stop paying your mortgage, tell the bank and they will foreclose.  This is going to ruin your credit for a long time as well as disqualify you from mortgages in the near future.  Don't do this.  If you are planning a foreclosure, take the time to contact your bank and arrange a short sale or a deed in lieu.  There isn't really any excuse to go into foreclosure if you are having problems.  Talk to the bank and work out a deal.


BATS here means your data feed is coming from BATS only. You're not seeing up to date prices from NASDAQ, NYSE or any other of the ECNs. For a liquid equity like AAPL, BATS prices are typically up to date but for a less liquid listing, you wouldn't always see the NBBO. To get live feeds from every ECN, you have to pay. BATS is offering this information freely and that's why you're seeing it now. AAPL is listed on NASDAQ but you can trade pretty much everything on BATS, just like on other ECNs and exchanges.


"It's not well-defined, since the [term ""middle class""](https://en.wikipedia.org/wiki/Middle_class) has been used in *dramatically* different ways.  However:  >The modern sociological usage of the term ""middle class"", however, dates to the 1911 UK Registrar-General's report, in which the statistician T.H.C. Stevenson identified the middle class as that falling between the upper class and the working class. Included as belonging to the middle class are professionals, managers, and senior civil servants. The chief defining characteristic of membership in the middle class is possession of significant human capital. > >Within capitalism, middle class initially referred to the bourgeoisie and petite bourgeoisie. However, with the immiserisation and proletarianisation of much of the petit bourgeois world, and the growth of finance capitalism, middle class came to refer to the combination of labour aristocracy, professionals and white collar workers. > >The size of the middle class depends on how it is defined, whether by education, wealth, environment of upbringing, social network, manners or values, etc. These are all related, though far from deterministically dependent. The following factors are often ascribed in modern usage to a ""middle class"":[by whom?] > >    Achievement of tertiary education. > >    Holding professional qualifications, including academics, lawyers, chartered engineers, politicians and doctors regardless of their leisure or wealth. > >* Belief in bourgeois values, such as high rates of house ownership and jobs which are perceived to be ""secure"". > >* Lifestyle. In the United Kingdom, social status has historically been linked less directly to wealth than in the United States,[4] and has also been judged by pointers such as accent, manners, place of education, occupation and the class of a person's family, circle of friends and acquaintances.[5][6] > >* Cultural identification. Often in the United States, the middle class are the most eager participants in pop culture whereas the reverse is true in Britain.[7]  The highest income professionals in the United States are IIRC neurosurgeons, which average ~$400k, so that's probably about as far as the middle class can extend.  Then there's the [upper class](https://en.wikipedia.org/wiki/Upper_class):  >The main distinguishing feature of upper class is its ability to derive enormous incomes from wealth through techniques such as investment and money management, rather than engaging in wage-labor or salaried employment.[4][5][6] Successful entrepreneurs, CEOs, politicians, investment bankers, some lawyers and top flight physicians, heirs to fortunes, successful venture capitalists, stockbrokers as well as most celebrities are considered members of this class by contemporary sociologists, such as James Henslin or Dennis Gilbert.[4] There may be prestige differences between different upper-class households. An A-list actor, for example, might not be accorded as much prestige as a former U.S. President,[5] yet all members of this class are so influential and wealthy as to be considered members of the upper class.[4]  The [working class](https://en.wikipedia.org/wiki/Lower_class):  >As with many terms describing social class, working class is defined and used in many different ways. When used non-academically, it typically refers to a section of society dependent on physical labor, especially when compensated with an hourly wage. Its use in academic discourse is contentious, especially following the decline of manual labor in postindustrial societies.  And the [underclass](https://en.wikipedia.org/wiki/Underclass) or poor:  >The underclass is located by a collection of identifying characteristics, such as high levels of joblessness, out-of-wedlock births, female-headed households, crime, violence, substance abuse, and high school dropout rates. The underclass harbors these traits to a greater degree than the general population, and other classes more specifically.  Obviously, it's all a set of essentially arbitrary and artificial lines to draw; we don't have a true class system (as existed in the Middle Ages, where there were real legal distinctions between members of the clergy, the nobility, and the peasants, or as happened under India's caste system)."


>Your line of reasoning is why you should have a timeline on a prediction. It's been, what, 12 years now of near constant assertions that huge inflation is just right around the corner. How long should we wait for it?  It's like you rose to counter-attack and simply completely side-stepped and ignored his actual point.


There are multiple ways in which you can get money to India; - Citi Bank / HDFC Bank offere similar services [and the credit account can be ICICI Bank] - Ask for a Wire/SWIFT transfer, there would be some changes [in the range of USD 30] - Ask for a company check, it would take around 30 days for you to encash in into your bank account in India.


W kolekcji fototapet do kuchni i jadalni znajdziecie Państwo soczyste, pobudzające zmysły, pachnące obrazy i zdjęcia m.in. produktów spożywczych, które doskonale wpisują się w dekoracyjne aranżacje właśnie tego typu pomieszczeń. Aromatyczne i smaczne wnętrze, namawiające do inspiracji i podróży kulinarnych stworzysz dzięki naszym wzorom fototapet do kuchni i jadalni. A przy okazji dodadzą smaku twoim codziennym posiłkom.


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Another bit of advice specific to your scenario. Consider buying an ALMOST new car. Buying last year's model can knock a huge amount off the price and the car is going to still feel very new to you, especially if you buy from a dealer who has had it detailed.


Oil as a commodity or investing in oil companies as a stock?  As a commodity, I'd recommend none. The article Commodities – They Have (Almost) No Place in Your Portfolio and The Case Against Commodities explain why commodities are not good investments.


*Does this mean all the people on the right decrying the president for letting gas prices get so high will shush so we can hear all the people on the left bragging about how his leadership is bringing prices back down?*  News like this in an election year makes for the dumbest commentary.


A 2.5% fee is standard, and you're not likely to avoid a transaction fee when withdrawing cash from an ATM.  You'd do better to get foreign currency before leaving the US, or to use a credit card abroad.  Capital One has a credit card with no fee on foreign-currency purchases, for example.  Another option is to open a bank account in the foreign currency, if you go to a particular country often enough to make it worthwhile.


“The plot of land definitely is going to give better results in long term.”  Will it? Land is not guaranteed to go up in value. And a car can provide more employment opportunities for you. You need to look at your specific situation—with specific numbers—rather than using rules of thumb as hard guidelines.


"It is true their money making businesses were already established but this was mostly appealing to ""enterprise"" and they were again at risk of pidgeon holing their market to big business, not being a leader of innovation. This way they will tap into a much bigger market."


Interest rates are at historic lows. In my opinion they can only go up from here. With that in mind, it is best to lock in interest rates now.  I would only take an adjustable rate if I expected my personal income to increase in excess of the increase in interest rates.  I hold that the recent technology of fracking has driven down the price of energy. I also believe that this is a short term situation and energy prices will return, and have already begun to do so. With the price of energy going up, inflation will return.


"Beatrice does a good job of summarizing things.  Tracking the index yourself is expensive (transaction costs) and tedious (number of transactions, keeping up with the changes, etc.)  One of the points of using an index fund is to reduce your workload.  Diversification is another point, though that depends on the indexes that you decide to use.  That said, even with a relatively narrow index you diversify in that segment of the market. A point I'd like to add is that the management which occurs for an index fund is not exactly ""active.""  The decisions on which stocks to select are already made by the maintainers of the index.  Thus, the only management that has to occur involves the trades required to mimic the index."


You're spot on. I'm coming in because he thinks nobody else is doing a good job, and he's hoping we can turn things around.   Everyone will know who I am, complete with family gossip. The existing culture will NOT be helpful.    Perhaps a softer teamwork approach would be best in this instance? Slowly work up and earn respect and assume responsibility.


"$36 dividend/900 DJIA = 4% 5.5% bond yield = ($36 dividend/660 DJIA) Graham wrote this at a very different time in financial markets- interest rates were much higher, and the DJIA much lower. In addition, bonds were yielding more than stocks, unlike today when the DJIA % the 10yr Treasury yield 2.63% and 2.13% respectively. In addition, his ""weigher of the odds"" suggests waiting to invest until equity prices are lower (usually dividends aren't reduced), and therefore the DJIA dividend yield would rise relative to bond yields."


In order for you to be able to talk to the FTB on someone's behalf, that someone has to submit form 3520. Note that since you're not a professional, this form must be paper-filed (CRTP, EA, CPA or attorneys can have this filed on-line). Once the form is accepted by the FTB, you can contact the FTB on behalf of your friend. Pay attention: you're going to represent the partnership, not the individual.


I'd say it really depends on the type of job.  If it's manufacturing, then sure, you want to operate equipment safely.  If the job is administrative, operations or engineering...then no, I'm not going to teach you the position for which you should be qualified for.  I will however show you what is expected (how we conduct business).


pump and dump is a common Illegal practice of boiler room operations. It refers to the talking a stock up, both through word of mouth as well as selling shares to unwitting buyers. I fail to see much difference between that practice and this.


You could create your own spreadsheet of Cash Flows and use the XIRR function in Excel: The formula is:


Kind of.  You want to alter the kinds of foods you eat for life, such as cutting out soda and fast food.  But the purpose of a diet is to lose weight, which means consuming fewer calories than you burn.  When you're at a healthy weight, you want to maintain it, which means eating the same amount as you burn.  So at some point, the dieting does stop, but that doesn't mean you go back to eating shit, it just means you have to eat a bit more to maintain your weight.


"Finally some good examples!   So clearly this is an issue, and many large companies do similar shenanigans. But the divisions being cut are massively unprofitable anyhow, even with these crappy tricks.   I agree that a company like GE should be looking long term, but I'm not sure what % they do in technology R&D so I'm not prepared to be too harsh on that front.  I absolutely agree that having non software engineers write software is a long term failure. Even smart engineers who can pump out software often do so without having learned the lessons that software companies learn. Resulting in short term results followed by long term pain.   Anyhow. Thanks for a real response. I wonder if the divisions being cut need to be cut or sold off regardless. But I think every large org should look at examples like this and not try to play the ""this quarter is good"" game."


Now company A has been doing ok for couple of weeks, but then due to some factors in that company its stock has been tanking heavily and doesn't appear to have a chance to recover. In this kind of scenario, what does happen?  In this scenario, if that company is included in the index being tracked, you will continue holding until such time that the index is no longer including that company.   Index funds are passively managed because they simply hold the securities contained in the index and seek to keep the allocations of the fund in line with the proportions of the index being tracked.  In an actively managed fund the fund manager would try to hedge losses and make stock/security picks.  If the manager thought a particular company had bad news coming maybe they would offload some or all the position.  In an index fund, the fund follows the index on good days and bad and the managers job is to match the asset allocations of the index, not to pick stocks.


"No one is FORCED to use leverage. But most people do. Trading companies like it because, the more leverage, the more ""business"" (and total commissions). If someone starts with $1 million and leverages it up ten times to ten million, companies would rather do ten million of business than one. That's a given. On the other hand, if you're Warren Buffett or Bill Gates, and you say I want to do $1 billion of FX, no leverage, no trading company is going to turn it down.  More often, it's a company like IBM or Exxon Mobil that wants to do FX, no leverage, because they just earned, say $1 billion Euros. Individuals USUALLY want to use more leverage in order to earn (or lose) more with their capital."


When the church pews begin to show age or deterioration, the best solution is to opt for the church pew restoration. Along with the appearance, the functionality of the church would as well see a boost. At The Keck Group, INC., we offer the finest craftsmanship at the fairest price in the industry.  Thanks to our outstanding work of restoration, you can surely receive the rave reviews for pews from the congregation.


If you don't have much money, and more important, don't itemize, donations are strictly between you and your karma. If you itemize (from a combination of mortgage interest, property tax, and state tax), by donating used goods, you can get some return on your taxes, and feel good about yourself.  When I donate at charity time (December for me) I don't look at every $1000 check as a $250 benefit back to me, although that's the effect. I care deeply about the charity's cause and have personally visited each of them. You want to drop $50 to some huge agency that's funding cancer research? No objection. But when I visit a Veteran's Center or School for the Blind, I can see the good work my money is doing.


No, not screwed. This is just an artifact of the tax code and year end dividends.  You paid a tax, and in return, got a higher basis. When you sell, you will have less profit, therefore less tax to pay than the guy who bought right after the dividend.  You can call the fund company if you want to buy later this year. Once you understand the process, it might not bother you at all.


The simple answer is to get a residential mortgage first, and once you have secured the loan, do whatever you want.  The bank only cares about what risk they are taking on the day of closing and won't care afterwards so long as you pay the mortgage on time. Residential mortgages are going to give you better rates than rentals, generally.


I will use 10% of this 20K to pay the loan back on an annual basis agreement An annual payment of 0.8% ($2,000 / $250,000) is nowhere near large enough.  The interest alone is going to be well over $10,000 (and probably closer to $20,000 on an unsecured loan), so you need to plan for at least a $20,000 - $30,000 annual payment, depending on the terms (length and interest rate) on the loan.   But in general... is this sustainable/safe?  Essentially what you are doing is using leverage to increase the amount you can invest.  While this is fantastic when the market rises, it can go horribly wrong when the market goes down.  Generally it is unwise to fund a risky (meaning there are large swings in return) investment with a risk-free (meaning you'll always make a payment) loan. If you want to see what could happen, forecast a 20% market drop and see what you are left with (obviously you'll need to make the loan payment out of your balance since you won't have any gains to pull from).  An average of 10-12% over a long period of time is reasonable, but the variance can cause the return to be anywhere from -40% to +40% in one year.  Can you afford those losses?   Here's an actual example: If you were to invest $250,000 in the S&P 500 in January 2000 with an 8% interest-only loan, your next three years' returns would be: After three years, assuming an interest-only payment of $20,000, your balance would be just over $100,000, you'd still owe $250,000, and you'd still be making $20,000 in interest payments.  If your loan interest rate was 25% (which is not unreasonable for an unsecured loan), you'd be bankrupt after 3 years - you'd still owe $250K but could not make the interest payment. No, this is not a good idea.  The only time you should borrow money to invest in when you have control over the returns.  So if you wanted to start your own business, had a stable business plan, and had much more certainty over the returns, the borrowing money might be plausible.   But borrowing money to do passive investment is a huge mistake.


Kek.  > Amazon is big enough to take full advantage of “postal injection,” and that has tipped the scales in the internet giant’s favor. **Select** high-volume shippers are able to drop off presorted packages at the local Postal Service depot for “last mile” delivery at cut-rate prices. With high volumes and warehouses near the local depots, Amazon enjoys low rates unavailable to its competitors.


Whirlpool has absorbed a number of its erstwhile competitors over the years. Maytag, KitchenAid, Magic Chef, Jenn-Air, and Amana are all made by Whirlpool now. Frigidaire and GE are the two remaining major American makers of major household appliances (Hotpoint is GE) and Frigidaire is actually owned by Electrolux now.  It's my understanding that Sears has been switching over to LG for some of its Kenmore appliances. Their flagship front-load washers and dryers sport features nigh-identical to top-end LG models. This relationship, by the way, may be largely responsible for the increased availability of LG parts and service in the US recently (spotty availability of parts used to be a hazard of buying LG).  We had two service calls on our Whirlpool Cabrio top-load washer while it was still under warranty. The repair guy told us they are generally reliable in his experience, however, and that ours was something of an anomaly. After replacing the main motor and the controller board, we have what is basically a brand new appliance internally. It is still occasionally flaky (every few months it forgets how to spin the drum) but I figured out an easy workaround that has worked so far. My advice, though, is to definitely buy the extended warranty.


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Remove your money.  If you do not need this money for some time, you can convert it to Gold, and now is a good time to buy.  Gold is not expected to decrease much in price as we're already at the bottom of the employment cycle and the Depression is already begun and will take about two years to grip the world.


"i dont see what's the big deal, all the banks got bailed out.  Govt printed over 7 trillion bucks, not much inflation.  govt has to help private sector.  gave plenty of freebies to the rich mother fukers in the banking sector.    or even better, govt should tax the shit out of wall street and super rich corporations and use that money to give to the students.     how do you suppose the govt ""FIX"" the economy??  wtf do u think govt is trying to do?  but they gave the money to the wrong people."


"The fundamental concept of the time value of money is that money now is worth more than the same amount of money later, because of what you can do with money between now and later. If I gave you a choice between $1000 right now and $1000 in six months, if you had any sense whatsoever you would ask for the money now. That's because, in the six months, you could use the thousand dollars in ways that would improve your net worth between now and six months from now; paying down debt, making investments in your home or business, saving for retirement by investing in interest-bearing instruments like stocks, bonds, mutual funds, etc. There's absolutely no advantage and every disadvantage to waiting 6 months to receive the same amount of money that you could get now. However, if I gave you a choice between $1000 now and $1100 in six months, that might be a harder question; you will get more money later, so the question becomes, how much can you improve your net worth in six months given $1000 now? If it's more than $100, you still want the money now, but if nothing you can do will make more than $100, or if there is a high element of risk to what you can do that will make $100 that might in fact cause you to lose money, then you might take the increased, guaranteed money later. There are two fundamental formulas used to calculate the time value of money; the ""future value"" and the ""present value"" formulas. They're basically the same formula, rearranged to solve for different values. The future value formula answers the question, ""how much money will I have if I invest a certain amount now, at a given rate of return, for a specified time""?. The formula is FV = PV * (1+R)N, where FV is the future value (how much you'll have later), PV is the present value (how much you'll have now), R is the periodic rate of return (the percentage that your money will grow in each unit period of time, say a month or a year), and N is the number of unit periods of time in the overall time span. Now, you asked what ""compounding"" is. The theory is very simple; if you put an amount of money (the ""principal"") into an investment that pays you a rate of return (interest), and don't touch the account (in effect reinvesting the interest you earn in the account back into the same account), then after the first period during which interest is calculated and paid, you'll earn interest on not just the original principal, but the amount of interest already earned. This allows your future value to grow faster than if you were paid ""simple interest"", where interest is only ever paid on the principal (for instance, if you withdrew the amount of interest you earned each time it was paid). That's accounted for in the future value formula using the exponent term; if you're earning 8% a year on your investment, then after 1 year you'll have 108% of your original investment, then after two years you'll have 1.082 = 116.64% (instead of just 116% which you'd get with simple interest). That .64% advantage to compounding doesn't sound like much of an advantage, but stay tuned; after ten years you'll have 215.89% (instead of 180%) of your original investment, after 20 you'll have 466.10% (instead of 260%) and after 30 your money will have grown by over 1000% as opposed to a measly 340% you'd get with simple interest. The present value formula is based on the same fundamental formula, but it's ""solved"" for the PV term and assumes you'll know the FV amount. The present value formula answers questions like ""how much money would I have to invest now in order to have X dollars at a specific future time?"". That formula is PV = FV / (1+R)N where all the terms mean the same thing, except that R in this form is typically called the ""discount rate"", because its purpose here is to lower (discount) a future amount of money to show what it's worth to you now. Now, the discount rate (or yield rate) used in these calculations isn't always the actual yield rate that the investment promises or has been shown to have over time. Investors will calculate the discount rate for a stock or other investment based on the risks they see in the company's financial numbers or in the market as a whole. The models used by professional investors to quantify risk are rather complex (the people who come up with them for the big investment banks are called ""quants"", and the typical quant graduates with an advanced math degree and is hired out of college with a six-figure salary), but it's typically enough for the average investor to understand that there is an inherent risk in any investment, and the longer the time period, the higher the chance that something bad will happen that reduces the return on your investment. This is why the 30-year Treasury note carries a higher interest rate than the 10-year T-note, which carries higher interest than the 6-month, 1-year and 5-year T-bills. In most cases, you as an individual investor (or even an institutional investor like a hedge fund manager for an investment bank) cannot control the rate of return on an investment. The actual yield is determined by the market as a whole, in the form of people buying and selling the investments at a price that, coupled with the investment's payouts, determines the yield. The risk/return numbers are instead used to make a ""buy/don't buy"" decision on a particular investment. If the amount of risk you foresee in an investment would require you to be earning 10% to justify it, but in fact the investment only pays 6%, then don't buy it. If however, you'd be willing to accept 4% on the same investment given your perceived level of risk, then you should buy."


"No, in the UK you don't need to pay tax on gifts in general. In theory there could be an inheritance tax issue. But it's highly unlikely to apply here. It could only apply at all if all of the below apply: But even then the allowance would probably count as a ""regular gift out of income"" and so would be ignored completely: Regular gifts from the giver’s income There’s no Inheritance Tax on gifts from the deceased’s income (after   they paid tax) as long as the deceased had enough money to maintain   their normal lifestyle."


Pensions have nothing to do with republicans or democrats.  All states and cities and levels of government have problems with pensions, and it's because most taxpayers don't vote, but all government employees do vote.  Whether you're republican or democrat, you're going to have to pander to the police union, and the fire union, and all the other unions, and your opponent is going to make unreasonable promises based on erroneous assumption to get the union votes, so if you want to win, you have to do the same.  It's not a problem until 40 years later, maybe longer if the population keeps growing, but now here we are and people are having fewer kids and making less money, so good luck kicking the can down the road.


Sounds fishy - taking out more debt to pay the main mortgage down faster? There are a couple of issues I can see: I would think that a much more sensible strategy with a lot less risk is to save up extra cash and send your lender a check every quarter or six months.


yield on a Treasury bond increases This primarily happens when the government increases interest rates or there is too much money floating around and the government wants to suck out money from the economy, this is the first step not the other way around. The most recent case was Fed buying up bonds and hence releasing money in to the economy so companies and people start investing to push the economy on the growth path.  Banks normally base their interest rates on the Treasury bonds, which they use as a reference rate because of the probability of 0 default. As mortgage is a long term investment, so they follow the long duration bonds issued by the Fed. They than put a premium on the money lent out for taking that extra risk. So when the governments are trying to suck out money, there is a dearth of free flowing money and hence you pay more premium to borrow because supply is less demand is more, demand will eventually decrease but not in the short run. Why do banks increase the rates they loan money at when people sell bonds? Not people per se, but primarily the central bank in a country i.e. Fed in US.


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It sounds like you are interested in investing in the stock market but you don't want to take too much risk. Investing in an Index EFT will provide some diversification and can be less risky than investing in individual stocks, however with potentially lower returns. If you want to invest your money, the first thing you should do is learn about managing your risk. You are still young and you should spend your time now to increase your education and knowledge. There are plenty of good books to start with, and you should prepare an investment plan which incorporates a risk management strategy. $1000 is a little low to start investing in the stock market, so whilst you are building your education and preparing your plan, you can continue building up more funds for when you are ready to start investing.  Place your funds in an high interest savings account for now, and whilst you are learning you can practice your strategies using virtual accounts. In fact the ASX has a share market game which is held  2 or 3 times per year. The ASX website also has some good learning materials for novices and they hold regular seminars. It is another good source for improving your education in the subject.  Remember, first get educated, then plan and practice, and then invest.