I am answering this in light of the OP mentioning the desire to buy a house.  A proper mortgage uses debt to income ratios. Typically 28/36 which means 28% of monthly gross can go toward PITI (principal, interest, tax, insurance) and the total debt can go as high as 36% including credit cards and car payment etc. So, if you earn $5000/mo (for easy math) the 8% gap (between 28 and 36) is $400. If you have zero debt, they don't let you use it for the mortgage, it's just ignored. So a low interest long term student loan should not be accelerated if you are planning to buy a house, better put that money to the down payment. But for credit cards, the $400/mo carries $8000 (banks treat it as though the payment is 5% of debt owed). So, I'd attack that debt with a vengeance.  No eating out, no movies, beer, etc. Pay it off as if your life depended on it, and you'll be happier in the long run.


"I did this 20 years ago. I wanted desperately to quit my job, but my wife wouldn't let me -- not because she thought it would fail, but just because she thought it would take longer than I thought. It took us 2 or 3 years to get to roughly half my previous salary as a software engineer. It's been my full time job for 15 years now. It's much better to not have enough time to finish X, Y, or Z on your startup than to have finished it and be waiting for someone to show up and pay. I agree with ""Don't quit your day job until you are very confident your startup can support you and is making money"". Validate your startup idea early. In the words of the Lean Startup movement, ""Fail Early"".  This is absolutely critical. Starting a company requires extreme confidence. Succeeding requires extreme humility and a willingness to face your mistakes (because how else can you improve?). You've clearly got the confidence. Now you need to to be realistic and look at ""What could go wrong?"" and ""How will I know that this is working?"" There are some parts of a startup that require what I call ""Calendar Time"". It's just elapsed time for things like: You tweaked your landing page and you're A/B testing whether that improves things.  And you wait for a week or two. You are waiting for a contractor to finish something on your website's Payment feature.  Read The Lean Startup (and similar books) to get an idea of all the things you'll need to do.  You'll need to:"


You need a HDHomeRunPrime if you want to maybe pick up the premium channels. And even then if the cable company marked the channels the way they usually do, you'll only be able to watch broadcast and basic cable channels, none of the expanded or premium ones on Myth.


This strategy is called trading the 'Golden Cross' if the 50 day SMA moves above the 200 day, or the 'Death Cross' when the 50 day SMA moves below the 200 day SMA. Long-term indicators carry more weight than shorter-term indicators, and this cross, in a positive direction signals a change in momentum of the stock. You will not catch the very bottom using this method, but there is a better chance that you will catch a move near the beginning of a longer-term trend. Golden Cross Information - Zacks


"If you want a ~12% rate of return on your investments.... too bad. For returns which even begin to approach that, you need to be looking at some of the riskiest stuff. Think ""emerging markets"". Even funds like Vanguard Emerging Markets (ETF: VWO, mutual fund, VEIEX) or Fidelity Advisor Emerging Markets Income Trust (FAEMX) seem to have yields which only push 11% or so.  (But inflation is about nil, so if you're used to normal 2% inflation or so, these yields are like 13% or so. And there's no tax on that last 2%! Yay.) Remember that these investments are very risky. They go up lots because they can go down lots too. Don't put any money in there unless you can afford to have it go missing, because sooner or later you're likely to lose something half your money, and it might not come back for a decade (or ever). Investments like these should only be a small part of your overall portfolio. So, that said... Sites which make investing in these risky markets easy? There are a good number, but you should probably just go with vanguard.com. Their funds have low fees which won't erode your returns. (You can actually get lower expense ratios by using their brokerage account to trade the ETF versions of their funds commission-free, though you'll have to worry more about the actual number of shares you want to buy, instead of just plopping in and out dollar amounts). You can also trade Vanguard ETFs and other ETFs at almost any brokerage, just like stocks, and most brokerages will also offer you access to a variety of mutual funds as well (though often for a hefty fee of $20-$50, which you should avoid). Or you can sign up for another fund providers' account, but remember that the fund fees add up quickly.  And the better plan? Just stuff most of your money in something like VTI (Vanguard Total Stock Market Index) instead."


Some states will give you a tax deduction for 529 contributions. This will allow some tax savings for money that spends a minimum amount of time in the account.  Yes you have missed the best benefit, the tax free growth, but there might be an opportunity for some growth. The child's expenses beyond tuition can be covered by 529 plan. It can even cover room and board if they are living in the dorms, off campus apartment, or even at home. Each University through their financial aid office will calculate the total cost of attendance for each student type. Before doing this you need to look at several things:


It's important to understand that, in general, security transactions involve you and a relatively unknown entity with your broker standing in the middle.  When you sell through Schwab, Schwab needs to receive the funds from the other side of the transaction.  If Schwab gave you access to the funds immediately, it would essentially be a loan until the transaction settles after funds and securities change hands.   If Schwab made funds available to you as soon as they were received, it might still be two days until the money is received; because the other side also has three days. Guaranteed one day settlement would have to include receipt of funds from the buyer in one day and Schwab can't control that. You need to remember this transaction likely includes at least one party in addition to you and Schwab.  Here's the SEC page related to the three day settlement period,  About Settling Trades in Three Days:  T+3


He wasn't complaining about it he was exemplifying it. He doesn't care how much of the bussiness's funds he takes advantage of in order to stroke his ego. That extreme level of entitlement, while trying to claim he's not snobbish, exemplified huge amount decadence, selfishness, greed, and carelessness.


Idk what the problem is. My selection of outdoor sports equipment has never been bigger. I love these stores and I don't know how not too. I miss the small bait shop that was around the corner, but I loved that Bass pro catalog as a kid and now there is 4 bass pros within 4 hours of me, Walking in these stores is like heaven.


"Bitcoin payments involve by far the lowest fees.  For pure bitcoin-to-bitcoin transfers you have the option of not paying any fee at all, while if you want to avoid the risk (currently very small) of miners ignoring your transaction you can pay a small transaction fee.  Currently no more than 0.0005 BTC is ever required ($0.01 at $20/BTC). Bitcoin also does not support ""chargebacks"", which is an advantage for the merchant (no risk that Paypal will freeze your account, as it did in with a Burning Man nonprofit), but more risk for the consumer. Popular sites for exchanging bitcoins with other currencies charge rates of 0.65% or less.  The primary barrier is that it typically takes a few days to get funds into your account from bank accounts etc.  Given the volatility of the bitcoin exchange rate you may want to treat bitcoin like cash, and only keep a small amount on-hand. A variety of shopping cart interfaces are supported. The obvious downside is that only a small fraction of users would be likely to go through the steps to use this option since bitcoin is new and immature, so your investment in adding support may be hard to pay off.  On the other hand, just advertising that you accept bitcoin payments would give you a bit of free advertising. Another downside is the risk of government intervention.  In NPR's 2011 story a law professor said it was ""legal for now"" in the US, but that could change. I'd say that given the sizable current fees and other barriers to international commerce and micro-payments, if bitcoin doesn't succeed, something else will."


@littleadv is right, this depends on your country. Furthermore, this is likely to depend on the type of business you own (in the US: LLC, S-corp, C-corp). In some countries you have to provide yourself a minimum wage if you are classified as a major shareholder and work for the company. When there is a minimum level of wage you have to pay yourself the tax rate on wages is typically higher than on dividends. The wage you then receive is taxed in line with normal wage taxation rules. Above the minimum wage you can pay yourself in dividends.


"Basically, unless you are an investment professional, you should not be investing in a venture in a developing country shown to you by someone else. The only time you should be investing in a developing country is if a ""lightbulb"" goes off in your head and you say to yourself, ""With my engineering background, I can develop this machine/process/concept that will work better in this country than anywhere else in the world."" And then run it yourself. (That's what Michael Dell, a computer repairman, did for ""made to order"" computers in the United States, and ""the rest is history."") E.g. if you want to invest in ""real estate"" in a developing country, you might design a ""modular home"" out of local materials, tailored to local tastes, and selling for less than local equivalents, based on a formula that you know better than anyone else in the world. And then team up with a local who can sell it for you. Whatever you do, don't ""invest"" and revisit it in 10-15 years. It will be gone."


"It's a scam. Here's someone who paid ""Josie"" 2000 pounds and lost it all Here's a Google search result list of how this softcore porn actor, Josie Ann Miller, is being used as the face and name of scams"


A lot of business sites are subscription only. Financial Times is the most obvious example. The Economist is the other. At least The Economist is making a very strong, healthy profit.  A lot of other businesses work on a Freemium model, most obviously Bloomberg. The Bloomberg Terminal costs 24k a year to lease, and it has a stronghold on the financial community. But you can get tons of Bloomberg news and data on their site/channel for free. Why? Because having that wide public reach adds value to Bloomberg--they have access to a lot of industry insiders who exchange tips etc. for the ability to leak info to the public, etc. It's a smart business model and works very well.  There are other models that work equally well, but I think a lot of people don't really realize this.


"I am currently an accounting analyst at a small company and am looking for a career change. I have a BS in Econ from a B1G school and 2+ years of work experience. The three options I've narrowed down to are: pursue MFin and move into corporate finance, take CFA L1 and start job search, or start studying for actuarial exams and go down that path. I'm good at math and have high aspirations for my career. Currently I feel under appreciated and underemployed.  Does anyone have any insight/advice on these paths and which is ""best"" in terms of salary, growth, and work/life? Thanks!"


"The ""just accounting"" is how money market works these days. Lets look at this simplified example: The bank creates an asset - loan in the amount of X, secured by a house worth 1.25*X (assuming 20% downpayment). The bank also creates a liability in the amount of X to its depositors, because the money lent was the money first deposited into the bank by someone else (or borrowed by the bank from the Federal Reserve(*), which is, again, a liability). That liability is not secured. Now the person defaults on the loan in the amount of X, but at that time the prices dropped, and the house is now worth 0.8*X. The bank forecloses, sells the house, recovers 80% of the loan, and removes the asset of the loan, creating an asset of cash in the value of 0.8*X. But the liability in the amount of X didn't go anywhere. Bank still has to repay the X amount of money back to its depositors/Feds. The difference? 20% of X in our scenario - that's the bank's loss. (*) Federal Reserve is the US equivalent of a central bank."


In store pickup at Walmart is atrocious. I've tried it. And, you still have to go to Walmart. Amazon draws the yuppie types who not only like saving money, but also don't have the time to deal with going to stores and sure as hell don't want to go to Walmart of all places.


That definitely hit home. I'd be thinking the same thing every time I submitted an online application and its quite frustrating. I'm beginning to realize I shot my self in the foot after graduation when a friend put me in contact with a friend of his who works at a large aerospace firm. The contact seemed more than willing to help me out and I figured at the very least i'd get an interview. So I dedicated all my time prepping for the position and following up with my contact. 2 months later it all fell through when the firm changed the requirements for the position. I asked my contact what happened and he basically said oh well. So yeah  I spent all this time so focused on one job that I thought I would get and it didn't work out. In school I learned what to do in a job but due to my circumstances (working 30 hours a week in a bar in order to pay for school) I never learned HOW to get a job.  given that, I appreciate your suggestions and although everything you said seems obvious now, I think I've mainly been in denial and don't want to give up on what I really want. But thankfully I do have connections in other industries and friends who are more than willing to give mock interviews. I have the tools but as you said now its up to me to stop sulking and take the initiative. Thanks for the response, definitely needed to hear that. I will also send you my resume if you don't mid taking a quick look.


A strategy of rebalancing assumes that the business cycle will continue, that all bull and bear markets end eventually.  Imagine that you maintained a 50% split between a US Treasury bond mutual fund (VUSTX) and an S&P 500 stock mutual fund (VFINX) beginning with a $10,000 investment in each on January 1, 2008, then on the first of each year you rebalanced your portfolio on the first of January (we can pretend the markets are open that day). The following table illustrates the values in each of those funds with the rebalancing transactions: This second table shows what that same money would look like without any rebalancing over those years: Obviously this is cherry-picking for the biggest drop we've recently experienced, but even if you skipped 2008 and 2009, the increase for a rebalanced portfolio from 2010-2017 is 85% verses 54% for the portfolio that is not being rebalanced in the same period. This is also a plenty conservative portfolio. You can see that a 100% stock portfolio dropped 40% in 2008, but the combined portfolio only dropped 18%. A 100% stock portfolio has gained 175% since 2009, compared to 105% for the balanced portfolio, but it's common to trade gains for safety as you get closer to retirement. You didn't ask about a 100% stock portfolio in your initial question. These results would be repeated in many other portfolio allocations because some asset classes outperform others one year, then underperform the next. You sell after the years it outperforms, then you buy after years that it underperforms.


As a counterpoint, I don't think it's totally necessary to do 300 hours per level especially if you already have a background in the material from school.   I did ~100 hours of legit studying for 1 and ~175 legit hours for 2 and passed fine. Had a solid number of friends who did the same amount. Then again YMMV depending on your school, how well you did in school, your courses, and your work experience.


In Canada section 347 of the Canadian Criminal Code makes it illegal to charge more than 60% annually.  Since most Canadian credit card annual interest fee is below this they are within that legal limit.  However this is limited only to the rate and not necessarily a cap on the absolute interest charges.


Strictly speaking the terms arise from double entry book keeping terminology, and don't exactly relate to their common English usage, which is part of the confusion. All double entry book keeping operations consist of a (debit, credit) tuple performed on two different books (ledgers).  The actual arithmetic operation performed by a debit or a credit depends on the book keeping classification of the ledger it is performed on. Liability accounts behave the way you would expect - a debit is subtraction, and a credit is addition. Asset accounts are the other way around, a debit is an addition, and a credit is a subtraction.  The confusion when dealing with banks, partly comes from this classification, since while your deposit account is your asset, it is the bank's liability. So when you deposit 100 cash at the bank, it will perform the operation (debit cash account (an asset), credit deposit account). Each ledger account will have 100 added to it. Similarly when you withdraw cash, the operation is (credit cash, debit deposit). However the operation that your accountant will perform on your own books, is the opposite, since the cash was your asset, and now the deposit account is. For those studying math, it may also help to know that double entry book keeping is one of the earliest known examples of a single error detection/correction algorithm.


College degrees are used as a club membership, if you don't have a piece of paper saying that you know what you know, it doesn't count as far as employers are concerned.  You may possess the knowledge, but not the 'credentials'. It's stupid, yes, but that's how society works.


Geloman's Indian Spares provide you motorcycle spares for the majority of all Indian motorcycles,  including main spare parts, where we do not have them in stock we can order them in. If you want to Indian 101 Scout spare parts, then you can visit our workshop. Because we are the best dealer of Indian motorcycle spare parts online in the world. Our experienced team have and continue to provide a friendly,  down to earth, high quality.


First you should understand the basics of how insurance companies make money: In a simple scenario, assume 1,000 have car insurance. Assume that on average, 100 people have accidents per year, and that each accident costs $10,000. So, we can expect total costs to be $1,000,000 per year. Some of those costs will be paid by the drivers, who have some sort of 'deductible'. That is - the insurance company will only cover costs after the driver has themself paid some initial amount [something like, the first $1,000 of repairs is paid by the driver]. So now the insurance company expects to have to pay out $900,000 in total claims this year. If they want to pay those claims (and also pay their administrative costs, and earn a profit), they might want to have $1,250,000 in revenue. Across 1,000 people, that would be $1,250 / year in insurance premiums. Of course, the big question for the insurance company is: how much will they really need to pay out in insurance claims each year? The better they can predict that number, the more profitable they can be [because they can charge a much more accurate amount, which can earn them new customers and gives them insurance {pun} that each new customer is actually profitable to them on average]. So the insurance company spends a lot of time and money trying to predict your likelihood of a car accident. They use a lot of metrics to do this. Some might be statistical hogwash that they charge you because they feel they can [if every insurance company charges you extra for driving a 2-door instead of a 4-door, then they all will], and some might be based in reality. So they attempt to correlate all of the items in your list, to see if any of those items indicates that you should be charged more (or less) for your insurance. This is equal parts art and science, and a lot of it comes down to how they market themselves. ie: if an insurance company gives a discount for being in college, is that because college drivers are better drivers, or is it because they want to increase the number of young customers they have, so they can keep those customers for life? Therefore how each metric factors into your calculation will be based on the company using it. It would basically be impossible to 'come up with' the same answer as the insurance company by having the information you provided, because of how heavily dependant that answer is on statistics + marketing. As for how your state matters - some states may have different accident rates, and different payout systems. For example - is Hawaii driving more dangerous because of all the tourists driving rented cars faster than they should? Is New York less expensive to insure because better public health care means less cost is borne by the insurance company in the event of an accident [I have no idea if either of these things are the case, they are purely for hypothetical discussion purposes].  In short, make sure you get quotes from multiple providers, and understand that it isn't just the cost that changes. Check changes in coverage and deductibles as well [ie: if one company charges you $100 / month when everyone else charges $200 / month - make sure that the cheaper company doesn't limit its coverage in ways that matter to you].


I'm not whining at all, you are just a dick, and you lie about things like Panasonic agreeing to put up a billion dollars.  When I realized my gross margin numbers might be old, I admitted it.  But, shit-head that you are, you just keep going along.... because that is the kind of person you are.


That makes sense, no doubt there are a few market segments where Sears is good, like the hardware you mentioned. However, I do think that the average age of a Sears shopper vs. an Ikea or Walmart shopper is much higher. Even though in your case you bring the average down being only 35.


"H! i made you [some ""Trusty Tuk Tuk"" signs in english](http://imgur.com/a/P1inx).  there are different styles to choose from.  *if i email them, they are big enough to print and use.  you could print them on colored paper.  do you have email?    hey everybody, [here is Tuk Tuk's Trip Advisor page](https://www.tripadvisor.com/Attraction_Review-g297390-d10836525-Reviews-Trusty_Tuk_Tuk-Siem_Reap_Siem_Reap_Province.html)."


You can remotely close the account and transfer the money out to your account in home country. If you have netbanking you can also setup remittance service to your country


There is a great 3rd party application out there that I use (I am a broker) along with my internal analysts and other 3rd party sources.  VectorVest has a LOT of technical information, but is very easy to use.  It will run any kind of screen you like, including low 52 week numbers.  (No, I don't get anything for recommending them.)


I still rather think making the millionaires tax would be better. There is no reason there shouldn't be a 500k bracket a 1 million bracket and a 5 million. Also up the pay in level on social security as well.   If they're going to take this asinine approach they should just increase capital gains tax by 2-3% instead.


Not really reasonable because you can't hold a gift card in your IRA, but clever idea none the less. I'm sure a few smaller investors would take advantage of that in a taxable account if it was remotely possible.


Hey!  You!  Yes you!  Did you bother to read the requirements for this subreddit?  Here, let me post them:  1. This is not the place to promote your business. Any and every post promoting a business in any capacity will be removed.  2. Spamming will result in an instant ban. No mercy for spammers.  **DO NOT POST YOUR SPAM HERE, SELFISH ASSHOLE.**


"The current stock price you're referring to is actually the price of the last trade.  It is a historical price – but during market hours, that's usually mere seconds ago for very liquid stocks. Whereas, the bid and ask are the best potential prices that buyers and sellers are willing to transact at: the bid for the buying side, and the ask for the selling side.  But, think of the bid and ask prices you see as ""tip of the iceberg"" prices.  That is: The ""Bid: 13.20 x200"" is an indication that there are potential buyers bidding $13.20 for up to 200 shares.  Their bids are the highest currently bid; and there are others in line behind with lower bid prices.  So the ""bid"" you're seeing is actually the best bid price at that moment.  If you entered a ""market"" order to sell more than 200 shares, part of your order would likely be filled at a lower price. The ""Ask: 13.27 x1,000"" is an indication that there are potential sellers asking $13.27 for up to 1000 shares.  Their ask prices are the lowest currently asked; and there are others in line behind with higher ask prices.  So the ""ask"" you're seeing is the best asking price at that moment.  If you entered a ""market"" order to buy more than 1000 shares, part of your order would likely be filled at a higher price. A transaction takes place when either a potential buyer is willing to pay the asking price, or a potential seller is willing to accept the bid price, or else they meet in the middle if both buyers and sellers change their orders. Note: There are primarily two kinds of stock exchanges.  The one I just described is a typical order-driven matched bargain market, and perhaps the kind you're referring to. The other kind is a quote-driven over-the-counter market where there is a market-maker, as JohnFx already mentioned.  In those cases, the spread between the bid & ask goes to the market maker as compensation for making a market in a stock.  For a liquid stock that is easy for the market maker to turn around and buy/sell to somebody else, the spread is small (narrow).  For illiquid stocks that are harder to deal in, the spread is larger (wide) to compensate the market-maker having to potentially carry the stock in inventory for some period of time, during which there's a risk to him if it moves in the wrong direction.    Finally ... if you wanted to buy 1000 shares, you could enter a market order, in which case as described above you'll pay $13.27.  If you wanted to buy your shares at no more than $13.22 instead, i.e. the so-called ""current"" price, then you would enter a limit order for 1000 shares at $13.22.  And more to the point, your order would become the new highest-bid price (until somebody else accepts your bid for their shares.)  Of course, there's no guarantee that with a limit order that you will get filled; your order could expire at the end of the day if nobody accepts your bid."


Depends on how many resources they have stored away.. ..how much they're capable of making on their own or within their circle.. ..how long they can hold out until they need something from a larger society that their smaller one can't provide.   ...or, until the larger society shows up at their door pushing a trade they'd rather not take part in, but being mighty insistent such that it puts them in a situation that they're willing to work with the external forces calling on them and/or their resources.


"I think I found the answer, at least in my specific case. From the heading ""Questar/Dominion Resources Merger"" in this linked website: Q: When will I receive tax forms showing the stock and dividend payments? A: You can expect a Form 1099-B in early February 2017 showing the amount associated with payment of your   shares. You also will receive a Form 1099-DIV by Jan. 31, 2017, with your 2016 dividends earned."


The easiest way is to walk over to any Bank that deals with Foreign Exchange or go to any Western union Money Transfer agencies, they will take the Euro and give you Indian Rupees. Passport is not required, but a proof of identity is required. Banks will also ask you question as to how you got the money, as long as you are able to answer them you will get the money. There would also be local Jewellary stores that would convert the money. If you are dealing with them be sure you have check the rates with few before going into the deal.


I never understood why anyone would overdraft their checking account, until a conversation with a bank teller recently who told me that most young folks these days don't bother to balance their checkbooks anymore or to even bother with a checkbook at all -- they just check their available balance to see how much is in their checking account (totally ignoring any checks or other charges that may have been made against their account but have not yet been debited).        It's hard to believe that young people can be that stupid, but apparently some are.


It means $400m expected revenue, likely spread out over multiple years as it gets implemented, and not entirely guaranteed to happen as they still need to fulfill the contract. The impact on the stock price is complex - it should be positive, but nowhere close to a $400m increase in market cap. If the company is expected to routinely win such contracts, it may have no significant effect on the stock price, as it's already priced in - say, if analysts expect the company to win 1.2b contracts in this fiscal year, and now they've done 1/3 of that, as expected.


Most of the population living in poverty do not have cancer.  They are mostly high school dropouts, single women who made the decision to bring the child into a world without income or a father, or people who choose not to work.


Assuming you're talking about your United States Federal Income Tax payment or refund, the IRS has a website for checking the status of your refund.  You can check that site to see where your refund is.  If it doesn't show up on that site (assuming you provide all the information correctly), then you may want to check TurboTax to verify it was correctly submitted. I believe that site also works for payments.  If not, Turbotax's page is not refund-specific (though I suspect it is just an API call to the same tool).


if I put a limit sell at $22.00 now, will it not sell until it's at $22.00 and I will continue to keep the stock? Basically yes. But note that brokers generally don't allow such limit orders to persist indefinitely. The default may even be that they're only valid until the end of the day, and usually the maximum validity is 30 or 60 days.


WalMart bought a lot of supermarkets in my country, though they kept their original names. But at most times during the day there are at most two cashiers open. So when I see a long line I don't buy and leave


I have a fb account, I never use it. I wont delete it, because those bastards actually wont let you. So Ive intentionally become a dead customer to them. I actually campaign to my friends to communicate with me via any other method. I hate everything fb stands for as a company. Imo this company defines narcissitic scum, a stunt in our socities development selling out our privacy for the quick buck without even realizing the damage theyve done. I know they wont go away anytime soon, but their user base is dramatically loosing value to advertisers. Talks of less fb engagement is no secret in social media buzz. A lot of lame attempts to blame it on the new algorithim or newsfeed changes but when you read between the lines, you can tell more and more people are using it less and less. With an exception to the older gen, who quite honestly dont really understand fb anyway. Seems like any fade after it reaches mass adoption.


"I'd be curious to understand where you live, with a condo costing nearly 3X the average home price in the US.  That said, if you are hell bent on this, money is loosening up. I am a real estate agent, and part of my distaste for the industry is the fact that it is the near opposite of financial fiduciary. I am responsible to be truthful and act in the best interest of my client. I am specifically not allowed to offer tax or financial advice. A client that told me she had a prequalification, only later shared that she's using a 3% down, FHA mortgage, and from what I see, getting in over her head.  In your case, look at the requirements for an FHA loan. I recommend 20% down, and the payment be less than 28% (Principal, interest, property tax) of monthly gross. The FHA allows as little as 3% down, with payment as high as 31%. In your case, $15K is 3%, and, depending on the other expenses for the house, the payment should be manageable.  If your 401(k) accounts offer matching, I'd deposit the amount to capture the match, no more, no less. Let me illustrate the power of matching - say the match is on your first $10,000 total, between the 2 of you. $10,000 deposited, is $20,000 in your retirement account, and you are just out of pocket $7500, as that's your net after tax. Now, the $20K in the account allows you to borrow half, $10,000 at a favorable rate for a 10 year payback. So, to your question of raiding your retirement accounts, I'd advise the opposite. A $10K withdrawal will cost $2500 in tax and $1000 penalty. Net $6500. Better to take the IRA, transfer it to the 401(k), and borrow 50%. Your $40K across the accounts will let you borrow $20K and keep the retirement savings going.  Last - I respect the answers that say ""don't,"" they are actually the right answers. Mine only applies if you won't listen to them. In effect, you've asked where to buy rope, and I'm just letting you know where the store is. It's the banks who are happy to sell you the rope to hang yourself."


Bottom line is our system is broken.  For three years running I am 0% return with over 600k in.  Yet, the 401k admin institution charges us all enormous fees that most aren't even aware exist.  A helpful tip is to also check out your expense ratios and learn how those work as well so you know how much you are paying in hidden fees.


After filing a Chapter 7 (the more common form in the USA) you have to wait 8 years to file another Chapter 7 but only 4 years to file a Chapter 13 (repayment rather than liquidation, at least in theory, in practice it does not always look that neat and tidy).   Chapter 13 you can file a new 13 two years later, but there are not many reasons you would.     This is the new law.  Under the old law pre-2005 you could pretty much file Chapter 13 as often as you like.  In fact my last firm did have one client who managed to fall behind on their house before them chapter 7 was even completed and ended up needing to file a chapter 13 while their chapter 7 was still pending.


"It works if after the price has halved and you buy more the price then rises, however if you are attempting to do this you are basing you ""doubling down"" on hope, and if you are basing a purchase on hope you are gambling. In many cases if the price has halved it could be because there is something very wrong with the company, so the price could easly half again. In that case it hasn't worked. You are better off waiting to see if the company makes a turn around and starts improving. Wait for confirmation that the stock price is heading back up before buying."


I would suggest contacting them. If the account has a small amount of followers and seldom active on it, they usually don't mind handing over the account username. If they won't do it from the kindness of their heart, perhaps ask them how much they want for it? Nothing worse than having inconsistent social media account usernames.


"> The worst that could happen to the employee is they could lose their job.  Yes, that's my point. An employee is not going to risk saying ""no"" to a violation of labor laws when their livelihood depends on keeping the pay check coming."


I would say when starting with Gnucash to start with the level of granularity you are comfortable with while sticking to the double entry bookkeeping practices. So going through each one: Refund for Parking Pass. Assuming you treat the Parking Pass as a sunk cost, i.e. an Expense account, its just a negative entry in the Expense account which turns into a positive one in your Bank account. Yes it may look weird, and if you don't like it you can always 'pay from Equity' the prior month, or your Bank Account if you're backfilling old statements. Selling physical items. If you sold it on eBay and the value is high enough you'll get tax forms indicating you've earned x. Even if its small or not done via eBay, treat it the same way and create a 'Personal Items/Goods' Income account to track all of it. So the money you get in your Bank account would have come from there. Found jacket money would be an Equity entry, either Opening Balances into Cash or Bank account. Remember you are treating Equity / Opening Balances as the state before you started recording every transaction so both the value going into Assets (Banks,Stock,Mutual Funds) and Liabilities (Mortgage, Student Debt, Credit Card Debt) originate from there.


You would report it as business income on Schedule C.  You may be able to take deductions against that income as well (home office, your computer, an android device, any advertising or promotional expenses, etc.) but you'll want to consult an accountant about that. Generally you can only take those kinds of deductions if you use the space or equipment exclusively for business use (not likely if it's just a hobby).  The IRS is pretty picky about that stuff.


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I think he's referring to [NAT-PMP](https://en.wikipedia.org/wiki/NAT_Port_Mapping_Protocol).  NAT-PMP opens a port on your firewall to allow you to access your IoT devices when you're away from home, but the services this exposes may have vulnerabilities that allow attackers to have access to your internal network.


"Most likely that's the amount of interest that accrued on the loan while you were in school.  If you had paid that amount before 6/21, you would have just paid off accrued interest and your loan balance would have stayed the same. Since you did not pay the interest, it will be added to your loan balance and you will just pay it off as part of the loan (plus compounded interest).   If you pay off your loan at 5% over 30 years (hopefully you won't, but that's what they're amortized for), that $350 will compound and become $1,563.  Essentially you're ""borrowing"" $350 at 5% interest for 30 years. Hopefully that motivates you to pay it off sooner that that..."


Wrong homie. The buy out of country wide was an open market purchase I believe at 5.50 in the spring of 2008. There was no govt deal involved. Just Anglo mazillo riding off into the sunset with his fake tan.


I recently came across bitcoin, it is what I was really looking for at the time.


"I know this I irrelevant, but whale. Man, what an og username.   I agree with you on the offshore banking. Also, having worked for Apple in the past, I really don't think their products truly are all about ""quality"", but rather the absolute appearance of quality. To the point where Apple tells their customers what quality is and they listen."


As I tried to point out to people before the ACA went into effect, the 80/20 rule applied to premiums but did nothing to address copays or deductibles. Furthermore, it's not like anyone was going to audit the insurance companies for strict compliance with the rule. But everyone thought that making sure more people could buy a policy from a for-profit company would fix American healthcare. Now here we are a few years later with an unaffordable system that doesn't cover everyone and the for-profit companies still in charge, and paying Congress to do away with what few protections we have. Who could possibly have seen this coming?


I don't know about the US, but in the UK this is common practice, even required in some situations, and not sketchy at all. It's perfectly legal, saves you tax, and protects you from a legal standpoint. (i.e. what if you break something and your employer wants to sue you?) This is what companies are for, they are legal entities that are separate from an individual. There is no requirement for a company to have more than one employee.


Daqri is developing a smart helmet and is a name I keep hearing about when this subject comes up at conferences.  Autodesk has been gobbling up tech like the Stingray engine for awhile with a heavy focus on real time modeling and simulation in the future.  Some of the advancements they have made on that is quite impressive especially in the medical sector for stuff like air flow simulation for clean air rooms.  That's not really a surprise though being that it's Autodesk.  A year or two ago Google Tango was also a big buzz.  The demo device I got to play with was pretty cool but the tech was still maturing and I think still ultimately waiting on better(cheaper) sensor tech.  I expect sensor tech to start being standard on devices in the next couple of years.    The big stand out to me is stakeholders (building owners) waking up to the way they can leverage this technology on the operations side and save money.  Two of the last three capital projects I've been involved in asked for and utilized BIM, UAVs, LIDAR, Cobie and so forth.  Compared to the previous biennium it's night and day.  What's really missing are better ways to engage all this information in a Design-Build environment which is where I think AR will really shine.


"What you're pretty systematically failing to appreciate is the **pain** felt by people during structural unemployment.  Yes, they should get an education, but guess what, they're probably too old for it to be worth or so far behind on the education ladder that it'd be a real struggle.  Maybe they should move to a city where there are jobs, but moving is expensive and so is living in a city.  The libertarian arguments here have the same problem as the (more extreme) arguments about civil rights.  Yes, the ""equilibrium"" will converge to a society without discrimination, where people get educated because low-skilled jobs don't pay much anymore, etc.  But those arguments completely neglect the pain of getting from here to there.  Maybe you think the government always screws things up (despite pretty glaring arguments to the contrary), and maybe you think the free market always ends up with the most efficient solution (despite some pretty glaring examples to the contrary), but that still doesn't mean that inefficient government programs that cost the future (GDP, whatever that means) can't be an appropriate means of reducing the overall suffering of the populace in both the short and long term."


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I'd suggest you put only 20% down if you qualify for the 80% amount of the mortgage. Live in the house a year and see what expenses really are. Then if your non-Ret accounts are still being funded to your liking, start prepaying the mortgage if you wish.  It's great to start with a house that's only 50% mortgaged, but if any life change happens to you, it may be tough to borrow it back. Far easier to just take your time and not make a decision you may regret. You don't give much detail about your retirement savings, but I'd suggest that I'd rather have a large mortgage and fund my retirement accounts to the maximum than to have a paid house and start the retirement account at age 35. Some choose that option.


"Did you not see the first link? Want a different one?  http://www.businessnewsdaily.com/3088-american-dream-wealthy-parents.html  The very definition of ""self made"" many of these cnbc type of articles that get tossed around are extremely misleading once you dive into the data. I just go where reality takes me.   A lot of start up stories are untrue. The story of wealthy well connected ivy league educated people starting a company with a lot of help from others isn't a catchy story. Stories are manufactured to elicit the most response.  https://www.thisamericanlife.org/radio-archives/episode/535/origin-story-2014"


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>Would businesses make infrastructure if they had to? Yes. Would it benefit all users equally and would they allow anyone (including competitors) to use the infrastructure they built? Not likely.  It doesn't necessarily look like say Wal-Mart building roads between it's stores. It could be a company coming in and building roads and then charging a toll to drive on them. I don't think that is unreasonable at all and it would cause those who are getting the most benefit from the road to pay the most in and those getting the least benefit to pay the least in.  If there is profit to be made, then someone will perform the task.


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"I agree with the rest of the answers -- you're probably better off just using it for some predictable flat-rate recurring monthly service like NetFlix, or making a charitable donation if you're into that sort of thing. But since that wasn't what you asked, I'll try to provide an answer: If you don't mind throwing away money, send money to yourself using PayPal. Here's how:  Set up a PayPal Business Account, and use your personal PayPal account to send funds to it by setting up a PayPal subscription. PayPal says ""You can have one Consumer account and one Business account."" A PayPal Payments Standard business account has no monthly fee -- only transaction fees. According to PayPal, ""in order to set up a repeating payment, [you] would need to create a Subscription or Recurring Payments button from the Merchant Services tab"" (in the Business Account). You would then click the link/button to set up the subscription from your personal PayPal account, to make it send money to your Business account on an automatic schedule. You can then, at your own leisure, send the money back to your personal account without paying a second transaction fee, then finally send it back to your bank account. Or, if your bank account is not yet tied to your personal account, you can tie it to the business account instead, and deposit the funds into your bank account. Unfortunately, this step can't be automated. Again, to reiterate, you're much better off just using it for something recurring."


>but is in no shape to do so due to their massive debt.  Actually it's because they don't have their own printing press for the Euro.   They need to drop out of the Euro, devalue their own currency and take control of their own monetary policy and economy.


Legally, no one else can withdraw from your account. If you suspect the direct-deposit websites are making withdrawals, you can monitor your account balance and dispute any transactions that were not made by you. But realistically, any company that did that would soon be out of business and in so much legal trouble that it wouldn't be worth the money they could get from you.


I'm just a sole trader who doesn't have much money which is why I'm looking at budget stuff.  It's not like I'm a big business just being really tight.   I need advice on this, not to get down-voted.  I need one that is cheap or free but I would prefer that I can upload my own files and I would like to connect my own domain to it.


">[Google] will pull information based on what the user searches across Gmail, Search, YouTube and other Google properties...also ... Google calendar.""  This is my entire life.  >""Sensitive topics like suicide or rape will not appear.""  Gee thanks, guys."


"As with many questions here, while littleadv is correct, the real answer is ""each bank may handle this differently."" In my case, I was experimenting with my balance to see the impact of utilization, and I overpaid the current bill before the bill was issued.   The prior balance was paid, but then I sent a payment to bring my account to a credit balance. Further down the statement appears the line -  Your account has a credit balance. We can hold and apply this balance   against future purchases and cash advances, or refund it. If you would   like a check mailed to you in the amount of the credit balance, simply   call us and speak to a representative. You can also see that the ""revolving credit available"" is above the line of credit, implying that someone with a $5000 credit line wanting to charge a $6000 engagement ring can send a higher payment to the account and then make that charge."


When you buy a bond - you're giving a loan to the issuer. The interest rate on the bond is the interest rate on the loan. Usually (and this is also the case with the treasury bonds), the rate is fixed for the term of the loan. Thus, if the market rate for similar loans a year later is higher, the rate for the loan you gave - remains the same.


"Sure my dude. I'm not disagreeing with them being irrelevant outliers in terms of this data, I'm just disagreeing with you saying ""lottery"" like they didn't have to put any effort in. Becoming a pro athlete is a shit ton of work"


So, what percentage savings did Lowe's actually realize by doing this in the scheme of things - especially in context to the business losses that will happen as a result from this?  The truth is, if we sheeple could just understand the power we wield, we could be the judge, jury and executioner for most any company if we chose to.


There is a severe problem with the economy now because people, banks, and governments have been taking on an unprecedented amount of debt relative to income. This isn't a matter of government debt to GDP, but [total debt to income](http://grandfather-economic-report.com/natdebt-vs-natincome.gif). People are still going to buy stuff, as you've said, but they are not going to be able to buy stuff in the same way as they have in the past. They maxxed out the credit cards while the interest rate was near 0%. Any increase in the prime rate instantly triggers a chain of defaults. So, yeah, the party is over.


"Merriam-Webster has the following definitions of the term, ""Interest"": While 2a may be the definition you know, there are more than a few others here that are worth understanding as there can be various contexts so that it isn't as simple as you may think."


I'm not even going to answer your question.  You are the type of person that ruins good discussion.  You interject with a ton of opinion about something but then it turns out you dont use the product or have any idea what you're talking about.


"If you still have affairs in Spain or you plan to visit regularly, I would advise against closing your account there unless it is expensive.  I still have a bank account in the Netherlands and it simplifies at lot of things to have it. I would recommend you take enough money to get you going in the US with you but leave the rest in your bank account in Spain.  Once you have opened a bank account in the US, use a foreign exchange transfer service like ofx, XE trade or Transferwise to transfer the money to yourself. In general, foreign exchange transfer services are the most cost effective way to transfer money internationally (much better than your own bank, Pay Pal, Western Union, wire transfers, etc).  They are ""fast"" in that it can take less than a week to transfer money, but other methods are faster if time is of the essence."


I think Michigan has a few good technical schools that could feed Amazon. U of M being #1 in the state but Michigan State and Michigan Tech both produce a lot of good engineers.   And Detroit is on an up beat. I am from there originally and it was attracting a lot more young people/businesses. I live in Portland now and all my hipster friends say they have been hearing good things and a few were considering moving there.  And Quicken employees a huge IT team in Detroit Amazon could start trying to steal.  You might be right they are an unlikely candidate but I think they have a lot more going for it than you might think at first glance.


Do you have a smart phone?  Check out the Clark Howard Podcast.  I listen every day.   Of course you can listen from your computer but its far easier to consume from a pod catcher


"Does the bolded sentence apply for ETFs and ETF companies? No, the value of an ETF is determined by an exchange and thus the value of the share is whatever the trading price is. Thus, the price of an ETF may go up or down just like other securities. Money market funds can be a bit different as the mutual fund company will typically step in to avoid ""Breaking the Buck"" that could happen as a failure for that kind of fund. To wit,   must ETF companies invest a dollar in the ETF for every dollar that an   investor deposited in this aforesaid ETF? No, because an ETF is traded as shares on the market, unless you are using the creation/redemption mechanism for the ETF, you are buying and selling shares like most retail investors I'd suspect. If you are using the creation/redemption system then there are baskets of other securities that are being swapped either for shares in the ETF or from shares in the ETF."


The state and local tax deductions (including property taxes) disproportionately benefit the rich ([88% of the benefit is to those with AGI >$100,000](https://taxfoundation.org/state-and-local-tax-deduction-primer/)).   Cutting SALT would be a progressive reform. However, it would reduce the subsidy for state and local taxes, so there is a trade off.


"As the saying goes... ""Failing to plan is planning to fail.""   If you want to be successful you must have a plan on how you are going to succeed.  Part of making that plan is understanding what the potential points of failure are and how you are going to handle them.  It is impossible to do this if you do not understand the business.  If you have to react to situations and make snap decisions your risks of making bad decisions increase.  This increases your chances of your business failing.   You also need to be able to tell when there are problems with your business.  If you do not understand the business, and have little experience with the business, then it will take you longer to recognize that there are problems.  The earlier you spot or prevent problems the easier, and less costly, it is to deal with them.   When it can work is when you go in as the silent partner with someone who does know the business.  If you watch the show ""Shark Tank"" you will notice the sharks invest in either business that they know and understand and can help guide the business through the pit falls, or in people they believe in because they just need the money not the partner.  None of them say heck neither of us know what I we are doing but lets take a shot together.  The reason is there are more fun ways to throw away money than investing your heart, soul, blood and sweat, into learning a business the hard way.   Most people who do learn and build a business with no prior experience actually start from nothing rather than buying a business that has already been built.  Of those that succeed big, they teamed up with someone who understood the business side, but they were the power behind the innovation.  And most of them got in when there was virtually no competition. Your question does not fit in here."


Right, and the other five senior VP's are going to say something entirely different.   Meanwhile the poor IT manager feels like he is being kicked in the teeth and everyone but him gets a voice in spending his budget.


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Just general advice but you should pay off your credit cards and car loans before buying a house. Or you may be able to add some extra on to the mortgage to pay off your credit card and car debt right away. Credit card interest rates can be ten times the interest rates on mortgages and car loans are not far behind. The sooner you get them paid off completely the sooner you will have enough money for mortgage payments.


Video CPM are higher, if they allow user video upload, video ads will follow. Anyone that took a look a buying twitter last year might look at buy reddit. both company have about 300 millions MAU but twitter wanted 30 billions (but 18 billions would have made more sense) reddit valuation is a fraction of the price   edit: bot correted my grammar


> Prices can still be low and people can still make tons of money, just slightly less money for those at the top and slightly more for those at the bottom rungs.  You cannot simply *pay* people a wage different to market wage. Why would the executives take accept a salary at 80% of the market wage when they could just get a job at 100% of the market wage?  And at the other end, if you simply started paying the workers 20% more, suddenly all of the workers at that new price point want to get a job at Wal-Mart. They swiftly will replace all the current employees, who cannot perform at that level. If they *could*, why would they have been working at Wal-Mart?  You are railing against reality. Yes, it sucks that some people are only capable of labour at low productivity levels. Totally agree. Simply trying to *pretend* that they are *more* productive is just ridiculous, though.


For economics I recommend mises or these videos to get you started. For daily critical analysis of financial markets, keynesian government policies, and other interesting reading I recommend zerohedge.  I've learned more about financial markets and government regulations by reading the comments section on zerohedge articles than anywhere else on the internet.  The comment section is very raw (i.e. lots of fucking cursing) but there are some jewels of information in there. For daily critical thinking I suggest lewrockwell.


It is true that with a job that pays you via payroll check that will result in a W-2 because you are an employee, the threshold that you are worried about before you have to file is in the thousands. Unless of course you make a lot of money from bank interest or you have income tax withheld and you want it refunded to you. Table 2 and table 3 in IRS pub 501, does a great job of telling you when you must.  For you table 3 is most likely to apply because you weren't an employee and you will not be getting a W-2. If any of the five conditions listed below applied to you for 2016, you must file a return. You owe any special taxes, including any of the following. a. Alternative minimum tax. (See Form 6251.)    b. Additional tax on a   qualified plan, including an individual retirement arrangement (IRA),   or other taxfavored account.  (See Pub. 590A, Contributions to   Individual Retirement Arrangements (IRAs); Pub. 590B, Distributions   from  Individual Retirement Arrangements (IRAs); and Pub. 969, Health   Savings Accounts and Other TaxFavored Health  Plans.) But if you are   filing a return only because you owe this tax, you can file Form 5329   by itself.   c. Social security or Medicare tax on tips you didn't   report to your employer (see Pub. 531, Reporting Tip Income) or on    wages you received from an employer who didn't withhold these taxes   (see Form 8919).    d. Writein taxes, including uncollected social   security, Medicare, or railroad retirement tax on tips you reported to   your  employer or on groupterm life insurance and additional taxes on   health savings accounts. (See Pub. 531, Pub. 969,  and the Form 1040   instructions for line 62.)   e. Household employment taxes. But if you   are filing a return only because you owe these taxes, you can file    Schedule H (Form 1040) by itself. f. Recapture taxes. (See the Form   1040 instructions for lines 44, 60b, and 62.) You (or your spouse if filing jointly) received Archer MSA, Medicare Advantage MSA, or health savings account  distributions. You had net earnings from selfemployment of at least $400. (See Schedule SE (Form 1040) and its instructions.) You had wages of $108.28 or more from a church or qualified churchcontrolled organization that is exempt from employer  social   security and Medicare taxes. (See Schedule SE (Form 1040) and its   instructions.) Advance payments of the premium tax credit were made for you, your spouse, or a dependent who enrolled in coverage  through the Health   Insurance Marketplace. You should have received Form(s) 1095A showing   the amount of the advance  payments, if any. It appears that item 3: You had net earnings from selfemployment of at least $400. (See Schedule SE (Form 1040) and its instructions.) would most likely apply. It obviously is not too late to file for 2016, because taxes aren't due for another month. As to previous years that would depend if you made money those years, and how much.


"It's called a ""checkbook register"" -- learn what it is and how to use it properly (not only recording your transactions & maintaining your own running balance, but also including ""reconciling"" it with your bank-issued statements or online transaction listings) and you will *not* overdraw.  It's [fairly basic stuff](http://www.practicalmoneyskills.com/spanish/pdf/teachers/specialneeds/lev_3/lesson_06/6_3activity.pdf) but it never ceases to amaze me how many (supposedly ""smart"") people fail to do it properly (if at all)."


No - there are additional factors involved. Note that the shares on issue of a company can change for various reasons (such as conversion/redemption of convertible securities, vesting of restricted employee shares, conversion of employee options, employee stock purchase programs, share placements, buybacks, mergers, rights issues etc.) so it is always worthwhile checking SEC announcements for the company if you want an exact figure.  There may also be multiple classes of shares and preferred securities that have different levels of dividends present. For PFG, they filed a 10Q on 22 April 2015 and noted they had 294,385,885 shares outstanding of their common stock.  They also noted for the three months ended March 31 2014 that dividends were paid to both common stockholders and preferred stockholders and that there were Series A preferred stock (3 million) and Series B preferred stock (10 million), plus a statement: In February 2015, our Board of Directors authorized a share repurchase program of up to $150.0 million of our outstanding common stock. Shares repurchased under these programs are accounted for as treasury stock, carried at cost and reflected as a reduction to stockholders’ equity. Therefore the exact amount of dividend paid out will not be known until the next quarterly report which will state the exact amount of dividend paid out to common and preferred shareholders for the quarter.


For most people, the longer you have until retirement, the more beneficial a Roth IRA becomes.   As you get closer to retirement, your income should be higher than what you earn now, pushing you to pay a higher tax rate than what you are currently at, even if tax rates don't change.    You said you were fairly young.   Let's assume you've got 35 years until retirement. Assume you make $50K right now, and earn a 4% raise each year.  When you retire, a common goal is to live off of 80% of your pre-retirement income.   80% of your pre-retirement income will be $157K/year based on 4% raises and 35 years until retirement.  I can't predict future tax rates, but it is likely to be a higher tax rate than what you are paying now. Say you invest $300.00 per month for 35 years at 9% interest (S&P 500 lifetime average is 10.5%).   In 35 years, you'll have contributed $126,000.   The account will be worth about $890,000.  That means that you'll have $764,000 of gain. If you invested in a 401k, you'll pay taxes on every withdrawal from your $890,000 account, at your retirement rate.  If you invested in a Roth, you'll pay taxes on your contributions of $126,000 and not pay taxes on the gains. This grants you some immunity from tax law changes or even large withdrawals to buy a house, boat, etc. during retirement.  All of the taxes paid will be at your rate when investing.


Most of the reason is due to infrastructure costs in the suburbs being hidden in general taxes.   Suburban governments don't make enough property tax revenue to maintain infrastructure.   New suburban homes don't pay affordable housing ordinance taxes of 10-20% (which new Chicago apartments must pay).        Schools is the first reason people leave Chicago.  An awful public school system forces the middle class to flee for the burbs, even if they would have preferred city living.


In Ontario, common law marriage requires 3 years of cohabitation, and doesn't give rights to property (which remains separate). I'd say in your situation you can still file as single, but I'd suggest asking your tax accountant to be sure.


"Lets say you owed me $123.00 an wanted to mail me a check. I would then take the check from my mailbox an either take it to my bank, or scan it and deposit it via their electronic interface. Prior to you mailing it you would have no idea which bank I would use, or what my account number is. In fact I could have multiple bank accounts, so I could decide which one to deposit it into depending on what I wanted to do with the money, or which bank paid the most interest, or by coin flip. Now once the check is deposited my bank would then ""stamp"" the check with their name, their routing number, the date, an my account number. Eventually an image of the canceled check would then end up back at your bank. Which they would either send to you, or make available to you via their banking website. You don't mail it to my bank. You mail it to my home, or my business, or wherever I tell you to mail it. Some business give you the address of another location, where either a 3rd party processes all their checks, or a central location  where all the money for multiple branches are processed. If you do owe a company they will generally ask that in the memo section in the lower left corner that you include your customer number. This is to make sure that if they have multiple Juans the money is accounted correctly. In all my dealings will paying bills and mailing checks I have never been asked to send a check directly to the bank. If they want you to do exactly as you describe, they should provide you with a form or other instructions."


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"But I have been having a little difficulty to include the expenditure in my monthly budget as the billing cycle is from the 16th to 15th of the next month and my income comes in at the end of the month. Many companies will let you change the statement date if you want, so one way to do this would be to request your bank to have statements due at the end of the month or first of month. You can call and ask, this might resolve your problem entirely. How can I efficiently add the credit card expenditure to my monthly budget? We do this using YNAB, which then means our monthly budget is separate from our actual bank accounts. When we spend, we enter the transaction into YNAB and it's ""spent."" Additionally, we just pay whatever our credit card balance is a day before the end of the month so it is at $0 when we do our budget discussion at the end of each month."


Re #2, consider an account at a credit union rather than a bank or brokerage firm. Whether you choose a savings account or a money market account, you're likely to get an account with lower fees (so it doesn't cost you money), and rates that are typically similar.


This is only true for countries where we don't have a tax treaty. If we have a tax treaty with the country then you would get foreign tax credits if you repatriated the money. The reason US corporates do this is because US corporate tax rate is the second highest effective rate in the world at ~40% depending on the state you're hq'd in.   So, if they want to repatriated cash from Canada they'd repatriate at the US rate and then receive foreign tax credits for the amount they paid in Canadian taxes. On balance they'll have just paid the US rate.


What a mindfuck.  Human consciousness is something I can't quite wrap my head around.  How about an intermediate scenario -- what if whole-head transplants could be performed onto cyborg bodies such that no duplication of the mind was necessary?  Would that somehow be closer to a transfer of *this* you?


Can confirm. It's why most innately creative industries like advertising, film, architecture and so on have a process that keeps criticism--and critical people--out of initial concept development. The bitchers are kept out as long as possible so good ideas can be nurtured to selling size before the bureaucrats murder them in their cradles.


You pay taxes on any gains you make after selling, so if you buy and hold you won't pay taxes (and you should hold for more than a year so that it gets taxed at the long-term rate, not the short-term rate). I like ETFs, there are some good ones Vanguard offers that are fairly broad, or you can use something like www.Betterment.com which invests in a diversified portfolio of ETFs (and includes things like automatic re-balancing and tax-loss harvesting).


"Tell me about it.  Although I have a Sony little 40"" and I have to say I am very happy with it.  I got it as they were phasing out the previous year models, and while it doesn't have 3-d the picture quality on 2D is actually very good.  I am told the speakers are not great, but I have surround sound anyway, and I think I have used the speakers 1 time, and that was only to check to see if they worked.    I still know people who use MD players for professional recording.  (althought the last I heard of that was a few years ago, so not sure about now)."


The bare minimum should be 6-months of expenses.  Ideally, it should be at least 1 year.  My personal preference is 2+ years, but one thing at a time. Figure out your necessary expenses: food, shelter, transportation and necessary extras.  An example of a necessity, beyond the basics, for me is a decent internet connection.  Telephone costs is another good example.  (Meanwhile, electricity and such bills should be included in the figure for shelter.) You may want to include some allowance for clothing as well; especially for the 2+ year plan.


No, but it's not crazy out of reach of the salaries you listed, either.  Heck, you even made a provision for $250k.  And it's certainly over the $100k threshold.  But sure, if all you are is a worker bee you're not going to make that.  As long as you're quoting developer salaries, you're not going to make that.  The question is where you go after being a developer, if you ever move past that.  And yeah, there's a big difference in the number of people that make 100 vs 300.


"> It is amazing to me how ""middle class"" can spend hundreds of thousands of dollars and not spend even a few thousand to get some real advice.  i have seen to many ''middle class'' buy a $100k+ house and not even spend $1000 on a decent home inspection..."


Be honest with them and let them know exactly what is expected. Act like they are part of a team and that they are as important as you are. Ask for their input and give them credit for their work.  Thants all. Good luck.


**Stanford marshmallow experiment**  The Stanford marshmallow experiment was a series of studies on delayed gratification in the late 1960s and early 1970s led by psychologist Walter Mischel, then a professor at Stanford University. In these studies, a child was offered a choice between one small reward provided immediately or two small rewards (i.e., a larger later reward) if they waited for a short period, approximately 15 minutes, during which the tester left the room and then returned. (The reward was sometimes a marshmallow, but often a cookie or a pretzel.) In follow-up studies, the researchers found that children who were able to wait longer for the preferred rewards tended to have better life outcomes, as measured by SAT scores, educational attainment, body mass index (BMI), and other life measures.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/business/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.24


Assumptions made for this answer, they may not be true for anybody:  For the numbers part we will assume you are single and make 96,000 per year. Unknowns: how long you have to wait post accumulation to convince the bank you really do make $96,000 per year.


Wesley gave a great answer and a follow up comment.  Heed his advice. If you cannot make ends meet by working two jobs, either you are working very few hours or you have a spending problem.  I feel it is more of a spending problem as you should have been able to complete your program and stay within the FAFSA limit. This is a tough situation of your own making.  If you are at UNC and an engineering student, you have a good mind.  You should use it to find a solution.  Then learn the lessons and do not make those decisions again.   While many people in authority told you that it was a good idea to go to school on student loans one of the paramount lessons to learn is that sometimes those people give bad advice.  In your case that is exactly what happened.


what he doesnt mention is that when American was GREAT was largely the 50's and 60's .. a period characterized by stellar tax rates.  in 1944, FDR set the top marginal tax rate at 94% (for anything over today's equiv of $400k salary), and a corporate tax rate of 70%.   Cutting corporate tax rates, when ppl don't have any more to spend, will only create bigger CxO pay packets. What is happening today is that the extra profits are being used for buying back stock (not reinvesting bc nobody can buy more). That benefits only the top 0.01% of the population.  But the real worry is that these inflated stock prices are a mirage. Inside the companies are not doing any better. Soon its all going to collapse like a pricked balloon. Made worse by the lowering of tax rates. So much for MAGA.


how are the ways he could scam me? There are hundreds of different ways the scam can progress ... broadly;


I don't understand why they couldn't just put google maps and apple maps side by side, even if they changed the default app to Apple's at least they wouldn't have pissed people off who depended on Google's services (like transit)


And people call me crazy because I want Seth Rich's murder investigated! Lol   Lol so Seth Rich being murdered for political gain is a crazy conspiracy theory, but Amazon is TOTALLY taking underlying control of the economy. Serious business discussion going on here /s lol.


Amazon has built an incredible logistical infrastructure that's better than anything the retail world has seen. Even Wal-Mart can't come close to matching it.   Whole Foods, on the other hand, is a mess. That's why they were struggling to compete against other big supermarket chains who started offering organic foods too.  The efficiency savings alone should bring down prices even if the product selection remains the same.


"In my area, the prices are actually fairly comparable (for produce) but WF's is definitely better quality.   Where WF gets expensive is with meats (because so many are grass fed, organic, etc.) and with anything prepared/frozen. (Again, organic, gluten-free, etc.)  So if you're using Whole Foods as a ""healthier"" replacement for a diet that consists of lots of frozen pizza, meat, etc. then Whole Foods will be exorbitant.  I primarily use it for getting quality produce (when it's not farmshare season), bulk stuff like rice, and for occasional splurges like a nice piece of fish."


I've noticed that most people start new jobs just before the holidays for a different reason:  A lot of departments find themselves in a position where they need to finally get around to spending the rest of their staff budget or risk losing it next year;  so a lot of hiring happens at the end of the year, especially of contractors.


No, any gifts you receive are not taxable to you. In fact, losing money in a scam (as this sure sounds like to me) can even be tax-deductible if you lose enough! I wouldn't recommend accepting anything. Usually people with millions are dollars are capable of setting up their own bank accounts.


Many of us believe that brushing and flossing twice daily is enough for us to maintain proper oral health which is why we do not bother to even visit the dentist; however, it is important that we do that so that we know if we are facing any infection or cavities so that it can be cured at the initial stage.


"No, it's not.  Not in the long run.  Productivity growth has a natural limit as well - this has been widely published and discussed.  That's why I started out by clearly saying ""in the long run"".  Furthermore, productivity has only increased something like 6x in the last 100 years - that's significant, but not as much as population growth."


Recognizing his achievements as a young entrepreneur, Kushagra Nayan Bajaj was honored as a recipient of the `Young Achiever’ award by the jury of the 10th Rajiv Gandhi Awards in August 2007. Prior to this, India Today, in its Youth Special issue of January 2005, titled `Young Guns’, acknowledged him as a leader of India’s Gen Y, displaying the abilities of an agent of change and an ambition made of sterner resolve. He was also nominated for the prestigious Padma Shri Awards 2011 conferred annually by the Government of India.


"break new ground  ""band aid""  ""on the back burner""  ""a lot on your plate""  ""knowledge transfer""  ""fire drill""  Man, I do NOT miss working there.   The annoying part was being ""called to serve"" at any given moment. I was good about that, I tend to half-remember what's going on, but I've had co-workers caught with their pants down (so to speak, though who knows...)  ""Rob, you've been working on ______ ,what do you think about _____?""  ...  ""...Rob?""  ""Well, it looks like we lost Rob.""  **5 minutes later**  ""SORRY GUYS I HAVE CHILDREN AND USE THEM AS AN EXCUSE FOR EVERYTHING.""  The man got promoted and became my boss. I immediately quit."


Some of the ETFs you have specified have been delisted and are no longer trading.  If you want to invest in those specific ETFs, you need to find a broker that will let you buy European equities such as those ETFs.  Since you mentioned Merrill Edge, a discount broking platform, you could also consider Interactive Brokers since they do offer trading on the London Stock Exchange.  There are plenty more though.  Beware that you are now introducing a foreign exchange risk into your investment too and that taxation of capital returns/dividends may be quite different from a standard US-listed ETF. In the US, there are no Islamic or Shariah focussed ETFs or ETNs listed.  There was an ETF (JVS) that traded from 2009-2010 but this had such little volume and interest, the fees probably didn't cover the listing expenses.  It's just not a popular theme for North American listings.


They also tranche their loans just like the bonds in the housing crisis, which freaked me the fuck out when I heard it. Asked one of the main Sofi guys presenting at an event (think he works with the 4 founders about his answer and he basically just said the quality of the loans going in will keep them save. It seemed like a semi complete answer, one that I would never know unless I got an inside look at how rigid their loan process is and if it holds up when they are having a low month of inflows.


Fair enough. I was just trying to save them money.  If it were me, I'd call up the dealer first and threaten to contact local media if they didn't void the contract.  In the end though a lawyer is probably the best bet. Even just having them write a letter to send over would probably get them to nullify it.


So extenuating circumstances might make it OK for someone to lie to you.    In this specific case, BofA withheld material information from its shareholders and asked them to approve the merger on the basis of known false information.  This is, by definition, fraud.


"There has been almost no inflation during 2014-2015. do you mean rental price inflation or overall inflation? Housing price and by extension rental price inflation is usually much higher than the ""basket of goods"" CPI or RPI numbers. The low levels of these two indicators are mostly caused by technology, oil and food price deflation (at least in the US, UK, and Europe) outweighing other inflation. My slightly biased (I've just moved to a new rental property) and entirely London-centric empirical evidence suggests that 5% is quite a low figure for house price inflation and therefore also rental inflation. Your landlord will also try to get as much for the property as he can so look around for similar properties and work out what a market rate might be (within tolerances of course) and negotiate based on that. For the new asked price I could get a similar apartment in similar condos with gym and pool (this one doesn't have anything) or in a way better area (closer to supermarkets, restaurants, etc). suggests that you have already started on this and that the landlord is trying to artificially inflate rents. If you can afford the extra 5% and these similar but better appointed places are at that price why not move? It sounds like the reason that you are looking to stay on in this apartment is either familiarity or loyalty to the landlord so it may be time to benefit from a move."


"You could convert your Australia cash to US dollars in cash now through a Foreign Currency provider like Travelex or UAE Exchange. To convert to USD cash right now, here's the rate you're looking at with both providers: The downside with either converting to cash now, or getting a ""cash passport"" like my other answer is you're not earning any interest on your cash. Alternate Option Anther idea is to just leave your cash in an Australian bank earning interest, and get credit card that has no Annual Fee and Free Foreign Currency Conversions. That way, use that credit card to make purchases while in the USA, and the currency conversion will happen at the time of the transaction using the credit card issuer's Bid/Offer spread. This is what I do. The credit card I use in the Bank West Platinum Zero Mastercard. Just make sure you pay the full amount off the card when the bill comes (not the minimum) to avoid paying any interest on the card's balance. The current conversion they give for a USD transaction is:"


Something tells me the people buying Tesla aren't doing it because they care about the environment... It's more of a side effect.  There's definitely a subset that do but everyone I know around DC who's on the list (and it's at least a few dozen) want the status symbol.  Tesla is an icon at this point and if it was a $20k, 500mi range econobox, I guarantee none of these people would be buying despite how much better that would be as a car.


My Finances is a personal finance app for iPhone and iPad. The app uses iCloud to sync the data between your devices if you want to. Otherwise the data is only local and won't be synced to any server. Spoiler: I'm the developer and my opinion may be biased.


If they have your account numbers (which are necessary for direct deposits) they could possibly initiate ACH withdrawals from your accounts too (requires some setup but they may have accomplices). Note that even if you didn't have money there, depending on the local bank rules you may be still on the hook for overdrafts they create, at least by default. You may be able to prove later that this was fraud but the burden of proof will be on you, and in the meantime they might be gone with the money.   They could use your documents to either establish other accounts in your name (identity theft) or take over your accounts (e.g. by contacting customer service of the bank and claiming to be you, and presenting the documents you sent as a proof), request credits under your identity (possibly using the money on the account as a collateral since the bank may not know where the money is from), etc. This is even easier given you will give them all the documents and information needed for a loan, your signature, etc.  And the fact that they ask you to send documents to a specific address doesn't mean they could be found at that address when the problems start - it may be rented short-term, belong to either knowing or unknowing accomplice, be a forwarding service, etc. Could be money laundering of course too. That's just what comes to mind after a short while thinking about it.


"You may be considered a resident for tax purposes. To meet the substantial presence test, you must have been physically present in the United States on at least: 31 days during the current year, and       183 days during the 3 year period that includes the current year and the 2 years immediately before. To satisfy the 183 days requirement, count:           All of the days you were present in the current year, and           One-third of the days you were present in the first year before the current year, and           One-sixth of the days you were present in the second year before the current year. If you are exempt, I'd check that ending your residence in Germany doesn't violate terms of the visa, in which case you'd lose your exempt status. If you are certain that you can maintain your exempt status, then the income would definitively not be taxed by the US as it is not effectively connected income: You are considered to be engaged in a trade or business in the United States if you are temporarily present in the United States as a nonimmigrant on an ""F,"" ""J,"" ""M,"" or ""Q"" visa. The taxable part of any U.S. source scholarship or fellowship grant received by a nonimmigrant in ""F,"" ""J,"" ""M,"" or ""Q"" status is treated as effectively connected with a trade or business in the United States. and your scholarship is sourced from outside the US: Generally, the source of scholarships, fellowship grants, grants, prizes, and awards is the residence of the payer regardless of who actually disburses the funds. I would look into this from a German perspective. If they have a rule similiar to the US for scholarships, then you will still be counted as a resident there."


I can think of three things you might do: Talk to a fee-only adviser. As the comments suggest, this would only be one or two sessions to lay out what all you have, establish what you want it to do, and write a plan that you are comfortable carrying out yourself. What do your 401k and Roth IRA look like? If you mean for this money to be long-term, then your retirement portfolio might be a good place to start. I don't currently own them, but one of my personally hobby horses is I-Series Savings Bonds, commonly called I Bonds. Even in the current low interest rate environment, they are a good deal relative to everything else out there. I summarized this more fully in my answer to another question. You can invest up to $10,000 per SSN per year, and the interest rate is the sum of a fixed rate plus a floating rate based on CPI. Currently the fixed rate is 0%, but the floating rate is better than what you can get from most other cash-like instruments.


I wouldn't stress out too much about what you call the category. As long as it makes sense to you and your tax accountant it should be fine. Besides, it's usually pretty easy to rename a category in the future. Just for reference, my accountant set up my categories (also for S-Corp) like this (though this was 8 years ago but I still use them today):


If you have quoted an incorrect number, and the transfer has happened, it cannot be reversed. The funds are already with the individual and bank cannot debit the individual without his authorization. The best course for you is to try get the details of the individual and see if the funds can be moved to the correct account.


I just listened to a podcast on this topic this week, and Satanicpuppy is pretty much correct. If you are interested, here is a link to the podcast on Legal Lad: Can Businesses Refuse to Accept Cash?


"Actually that statistic (whether it is 9/10 or 95% or 99%) is often VERY misquoted AND it is both overstated AND extremely misleading.  * First of all the ratio/percentage of even the ""urban myth"" that ""everyone knows"" is purportedly **over a 5 year period of time** not a single year.  * Secondly, just because a business has closed down or ceased to exist sometime prior to the 5 year mark, does NOT necessarily mean that it was a ""failure"" (and definitely not necessarily a ""bankruptcy"").  * Third, it does not mean that all of the initial investment went ""poof"" -- **that may be true for high-tech startups** (especially the dot-com/dot-bomb con operations whose business ""plan"" resembles the [South Park Underpants Gnomes ""plan""](http://upload.wikimedia.org/wikipedia/en/d/dd/Gnomes_plan.png) more than anything else) -- but that is NOT necessarily true of the rest of the business world.  Consider by contrast how many EMPLOYEES are still in the same JOB five years later (per data [the *average* job tenure in the US is now 4.6 years](http://www.marketwatch.com/story/americans-less-likely-to-change-jobs-now-than-in-1980s-2014-01-10), which is actually UP from 3.7 years in 2002, and 3.5 years in circa 1983).  The vast majority of small businesses (and the sheer volume\* skews the totals) are essentially that: they are job *replacement* (or even job *supplement*) businesses, which chiefly consist of the owner/operator being ""self-employed"" (or part-time self-employed ""on the side"") for a year, two years, and possibly longer.  Occasionally they will then (often temporarily) employ others as well; but the primary goal is to provide a simple ""income"" for the owner/operator.  **And there is nothing WRONG with that.**  Nor is there anything wrong with the person then ENDING that ""business"" and moving on... to another (different name, different field) business... or taking a job with some company (which they may have previously worked for on a contract basis with the ""business"", etc).  The idea that ALL businesses somehow *should* ""endure forever"" and continue to grow forever (as if they were all destined to be Giant Sequoia trees) is actually *rather warped and delusional...* it ignores the real world, and the fact that most flora is NOT ""giant trees"" but rather small bushes and plants -- and for small businesses, being ""nimble"" (and profitable) often means the opposite: knowing when to get OUT of a market or business is just as important (indeed can be MORE important) than knowing when to get INTO it.  \*EDIT: As a further note on the ""volume"" you have to also add in the large number of *business ""ideas"" that spawn an LLC, but then went nowhere* companies (especially these days when starting an LLC in many states is simply filling out a form online and paying a filing fee) -- IOW the ""business"" may have had a temporary ""legal"" existence (name, probably a reserved domain name, maybe even a logo, etc.), but when it comes to reality -- actual investment in assets and conducting business operations (of any type) -- well, a lot of the ""horses"" never even make it past the gate... and that too skews the numbers in many studies.  ---  Note that here is another take on the point:  http://www.washingtonpost.com/blogs/fact-checker/wp/2014/01/27/do-9-out-of-10-new-businesses-fail-as-rand-paul-claims/  >As far as we can tell, **there is no statistical basis for the assertion that nine out of 10 businesses fail.** It appears to be one of those nonsense facts that people repeat without thinking too clearly about it. Here are some basic questions to ask when assessing such a factoid:  >1. What’s the time frame? Two years, five years, 10 years? That can make a big difference. >2. Does “fail” mean that it goes out of business because it was not financially viable? Or does that also include data about successful enterprises that merge with another company? >3. Wouldn’t failure rates be different for some industries than others? Does it make sense to lump all businesses together?  >There have been a number of studies that have looked at this issue. This chart, from Web site designer smallbusinessplanned.com, summarizes the results of three different studies. Basically, after four years, 50 percent of the businesses are open. As time goes on, the success rate decreases, but it never gets to a failure rate of “nine out of 10.”  >[...]  >Even this does not show the whole picture. As Brian Headd, an economist at the Small Business Administration, demonstrated in a 2002 study for Small Business Economics, **about one–third of closed business were actually successful when they “failed.”**  >“The significant proportion of businesses that closed while successful calls into question the use of ‘business closure’ as a meaningful measure of business outcome,” the study says. “It appears that **many owners may have executed a planned exit strategy,** closed a business without excess debt, sold a viable business, or retired from the work force.”  Now that doesn't necessarily mean that Rand Paul's point is WRONG (he is chiefly talking about government investing in HIGHLY LEVERAGED, HIGH-RISK, HIGH-TECH businesses, which are a different story) -- but it does mean that the statistic he is citing (general business failure rate) is an urban-myth-falsehood, however commonly-believed, or commonly-restated."


Sedation You should note that you will be under dental sedation (often via a local anesthetic) whenever you have a wisdom tooth removed, so it’s best to prepare for it, preferably by bringing along someone who can drive you home after the procedure.


Our compensation is pretty typical for a study like this.  And, it's actually frowned upon by the IRB to offer too much, because it runs up against ethical concerns for coercion to participate in studies.  Given the population for this study, of course, we also added the raffle for the Oculus Rift, as something that might actually interest people.  And, along with the value of supporting research to improve financial decisions, we hope this is sufficient motivation for some people to enroll!  (So far, so good!)    In my experience, people have all sorts of reasons for participating in research.  A lot of people who do our studies tell us that its just kind of fun -- and the small monetary compensation is a nice quantitative indicator of how well they perform.  One related topic is Amazon Turk, where people do tasks for incredibly small amounts.  Surprisingly, statistics show a very wide distribution of education and income levels for these participants.  Honestly, I'm not quite sure why people sign up for that site.  People just have all sorts of reasons for doing things.  In sum:  we're not embarrassed by the size of our compensation!  But seriously, we really appreciate the feedback, and I'll definitely be sharing your comments with our lab director for the next time.


Wants to configure your router setting? If yes, then use routerlogin.net web address for Netgear router. If you face any issue then simply take assistance from us. We are providing 24/7 customer support on toll free number. Call right now.


I think we're way past the stage where anyone can claim that. Tablets have very wide application from hospitals, child care, education, sales, flying planes and restaurants to name a few. Wearables are still unproven; c'mon app1e!


Maybe, but having one increases the risk of gun accidents and is a real risk if someone in your home has mental health issues, and those are statistically far more likely than defending yourself for home invaders or protecting yourself from the breakdown of society.  If you aren't someone who genuinely enjoys hunting or range shooting, it's kind of silly to own one.


"I think that your best option is to use the internet to look for sites comparing the various features of accounts, and especially forums that are more focused on discussion as you can ask about specific banks and people who have those accounts can answer. ""Requests for specific service provider recommendations"" are off-topic here, so I won't go into making any of my own bank recommendations, but there are many blogs and forums out there focusing on personal finance."