Eyes are very sensitive. You have to look after them really well so you don't end up with big issues. Some eye issues may result in high blood pressure or diabetes. You are going get an Eye Care in Barrington IL that can be professionals and certified to deal with disease, allergies, dry eyes, infections and other problems. They should be able to assess your eye health with new technological innovation. You should be able to get searching for picture of your eye if you need to see the growth of anything irregular going on in there.


You can deliberately phrase it in a derogatory way all you want, but until the Democrats start to at least even mention things like jobs and international deals, rather than concentrating on dividing people into different victimized groups to gain power over them, or which appropriate gender pronouns to use to not offend the always-offended... the silent majority of Americans will just ignore them.


Let Go App...good way to find awesome deals on furniture. Depending on climate find a nice bike, pretty easy way to get around & low maintenance costs compared to a car ( i.e. insurance, gas, repairs). Then depending on whether your work offers matching 401k programs, max that out or find a good index fund & consistently build that emergency fund. Chill for 10-15 years & enjoy the benefits of compounding interest my friend.


> You're not an engineer, are you?  Of course I am.  And I run a business that employs nearly a dozen other engineers.  You've been working at the wrong places if you're this bitter and demoralized.  I'd encourage you to find a better job so you don't feel like you're merely swapping hours of your finite existence for cash.


It discourages people from obtaining a high-limit card simply to show off, because the bank's forcing them to use it or lose it.


This is not accurate. Amazon is not a monopoly because they don't control any  given market. It's a great use case for exploring the limitations of our current laws and regulatory apparatuses in the digital age.   A great use case and a terrifying one.   Similarly to all the data security problems coming up.   Regulation has not kept pace with how the world has changed. /is changing.


I'm suspect of the claim too, but my university let me take 25-30 hours+ after I threw a stink. Since I didn't take summer classes and the engineering workload was immense, I have no interest in doing a 5-year degree.   It was/is a credible university.   That being said, some people are more unlucky than others, but many don't take advantage of their luck. There's a reason foreigners often compromise a lion's share of the new millionaires in this country and dominant in education despite the fact they often have depressed economic situations. Yes, yes, model minority blah blah blah.  THAT being said, everybody gets help from somebody at some point in their life, even if it's parents or a friend. Very, very few people get *no help ever*.


In addition to what @HartCO and @rocketman wrote, being a successful landlord either takes a lot of either:


Hopefully we can correct some of these balances though. Our brains evolved for fight or flight style survival, not for living in modern urban environments. I can certainly see the benefit for an artificial brain to be able to make perfect math calculations for instance, something our human brain struggles with. If we can't find ways to overcome these issues, what is the point really.


Steve Jobs was only good in marketing and taking advantage of ideas invented originally by many gray people. For example, the Apple II was totally invented and created by Steve Wozniak who was mistreated by Jobs.  When Steve Jobs came with his own ideas, they were total failures: Lisa, Next, Newton, and even his ideas of how to run Apple computer (almost went bankrupt and lost control of his own company.)  On the other hand, Elon Musk seems to make new products on his own.   But, again, not blaming Elon, those ideas were first researched and conceived by many gray people.


micro venture capital investments and SoLoMo are the current buzz words in the investment community. Jordan Combe, a London based investor and entrepreneur is keen on helping businesses of any kind, not just the glamorous hi-profile hi-tech ones succeed with careful financing and management


You can take a shortcut and make a few cumulative transactions, maybe just estimate how much of your spending landed in each of your budget categories, but you will lose a lot of the value that you were building for yourself by tracking your spending during the earlier months. I reconcile my budget and categorize my spending on a monthly basis. It's always a chore to pull out the big stack of receipts and plow through them, but I've learned the value of having an accurate picture of where all my money went. There is no clean way to fake it. You can either take the time and reconcile your spending, or you can take a short cut. It probably renders your efforts to track everything from the beginning of the year invalid though. If you want to start over this month (as you did at the beginning of the year) that would probably be a cleaner way to reconcile things.


The average inflation rate in the US over the last 17 years is 2.17% per year. source So he has $30,000 now. If another 3 years go by and he doesnt invest it in anything whatsoever, he would have 30,000/(1.0217^3) = $28,128 equivalent buying power 3 years from now.   I would not focus on how much money he is losing per year, but instead focus on the religious constraint of not gaining interest. What was the intent of the religious prophet or person who was discussing this issue? If he invested the money with a 1% interest rate, and split the profit down the middle, half of it for his savings and half of it given to a charity of his choice, would that be something that would be likely to change his behavior? Consider this approach if you're trying to help someone to understand the ramifications of a financial.


I don't ever remember an issue (HFT) that is more widely contested by such a large group of people that continuously claim that the other party doesn't know what they're talking about because they're forgetting about _______.   Disclaimer: I read Flash Boys, yet can still only explain HFT with the acumen of a 4th grader.


I'll subscribe for a while just to see what it's like.   Still holding onto my OLD windows phone for now. I'd hate to have to go back to Android, but I know when this device finally dies, my choices will be really limited.


Yes, if you want income and are willing to commit to hold a bond to maturity, you can hold the bond, get the scheduled payments, and get your principal returned at the end. US Savings Bonds are non-marketable (you cannot trade them, but can redeem early) bonds designed for this purpose. The value of a marketable bond will vary over its lifetime as interest rates change and the bond matures. If you buy a 30 year US Treasury bond at par value (100) on September 1, 2011, it yielded 3.51%. If rates fall, the value of your bond will increase over 100. If rates rise, the value will decrease below 100.  How much the value changes depends on the type of bond and the demand for it. But if your goal is to buy and hold, you don't need to worry about it.


I asked about this in the last thread, but got no answers because it was 4-5 days old at the time.   I'm a finance student, and currently an intern at a big Financial Services firm. The internship is in compliance, though, and that's not exactly where I want to end up later. I don't know exactly what I want to do, but I assume there are some skills that are widely applicable in the entire industry that aren't taught enough, and I want to learn something over the summer (through Coursera/books/videos/whatever). The problem is, I don't know what. Does anyone here have any suggestions? I was thinking something along the lines of programming or some more advanced excel stuff that isn't taught in school, but I don't really have any place to start. Any advise would be appreciated.


I am no expert, but lots of things can cause drops.  Large unsecured revolving debt (credit cards) - even jf you payoff monthly, unpaid medical bill, acquiring multiple credit cards or other multiple credit searches, any form of lawsuit, and I am sure several other things


Dining room furniture set plays a pivotal role at every home. A sincerely purchased dining set can add a sense of style to any room at your home. It is an extension of your personality - so make sure to pick the one that is definitely you.


Volume and prices are affected together by how folks feel about the stock; there is no direct relationship between them. There are no simple analysis techniques that work.  Some would argue strongly that there are few complex analysis techniques that work either, and that for anyone but full-time professionals. And there isn't clear evidence that the full-time professionals do sufficiently better than index funds to justify their fees. For most folks, the best bet is to diversify, using low-overhead index funds, and simply ride with the market rather than trying to beat it.


Good for you.  That's where it's at.  Hell, I've thought about doing the same.  But, if someone wants me to work in Manhattan, I'd take no less than $250k per year.  I'm not saying my work is worth that, but it wouldn't be worth it *to me* for anything less.  Although, if there's one group of people *more* loathed than beltway bandits, it's investment bankers.  Probably, if it all came down, people would gladly spike both our heads.  Really, I don't expect the zombie apocalypse anytime soon.  But, it's an enjoyable escape!  Edit.  I wasn't a B.  I was an A.  Maybe, just maybe, I have some experience with SOF.  Christ, people think that Tier 1 operations are some kind of shadow magic and that SOF are fucking ninjas.  Operations are about keeping things simple.  And don't even get me started on how LEOs work.  I've trained them and worked with them often.  Hint, hint: if you do good ISR, you don't tend to throw flashbangs into babies' cribs.


I had a similar situation, except the debtor had no connection to us whatsoever, other than holding our phone number previously. We tried going through channels to deal with it, and had no success. At the end of the day, I was very abusive to the people calling, and forwarded the number to a very irritating destination.


"Market makers (shortened MM) in an exchange are generally required to list both a bid and ask price to allow both buyers and sellers to trade and keep the market moving.  However, a more general idea of a MM may includes companies off an exchange (say large banks acting as broker/dealers in an over-the-counter market) are not required to give a simultaneous bid/ask, but often will on request.  So, it might depend on where you are getting this data but likely the bid/ask was quoted simultaneously. An exchange, like the NASDAQ for instance, may have multiple MMs for a given market.  The ""market"" spread will be from the highest bid to the lowest ask over all the MMs.  The highest bid and lowest ask may come from different MMs and any particular MM often will have a larger spread. The size of the spread gives a rough idea of how much a MM is trying to make off of a ""round trip"" trade (buying than immediately selling to someone else or selling than immediately buying from someone else).  Of course, immediate round-trip trades are not always possible and there are many other complications.  However, half the spread is a rough indicator of how much they hope to make off of a single trade."


Any accounting software should be able to handle this.  When you invoice them, set the invoice date to the date of the event.  Then receive a partial payment against that invoice.  This will cause your accounting software to display the service income in the correct period as well.  So if you sent them invoice for August 7, 2014 event on May 5th, 2014 and they gave you $500 due, you would see this Income in August ($500 on Cash basis, $1000 on Accrual basis.  When you received the other $500 in August, you would see $1000 for both methods).  You would not see any income in May, when you created the invoice.  This is better for revenue matching with the correct period. When you send them same invoice (say 30 days before the event), Set the software to show payments already received  (it seems that most online accounting software will do this by default).  Here is an example in Freshbooks.    Here is an example in Xero:  Seems they both display information on when you can expect payment on the their respective dashboards.   In the Desktop version of Quickbooks (which I use a lot), it will not show the balance of the customer by default on an invoice.  You will have to modify the invoice template.  There are more details on that here.  In Desktop version of Quickbooks, you can look at Cash Flow Forecast report to see the expected amount coming in.   I hope that helps and good luck.


Check with the trade organisation; they may be able to make credit card arrangements.


So you think the Port of Beaumont is going to be simultaneously loading tankers with crude oil for export and unloading tankers with imported crude. Really.  They're trying to send oil to Texas because that's where the oil refineries are. That's why there's a giant gasoline pipeline there in the first place.


Tax problem is a widespread cause of strain within people and any kind of analysis would likely reveal that it's not several but a significant large inhabitants whom at some point or the additional have had to have tension and stress using tax settlement troubles.


There would have to be regulations for a variety of issues involving driverless cabs.  But that is ignoring the fact that the main reason that most cabs aren't awash in bodily fluids at the end of a weekend night is that there is a human present to both prevent and deal with everything that happens in a cab.


In many cases yes.  In the case of an employer handing employees a credit card to use, that is clearly income if the card is used for something other than a business expense. Generally speaking, if you're receiving something with a significant value without strings attached, it is likely taxable. Google no doubt has an army of tax attorneys, so perhaps they are able to exploit loopholes of some sort.


"Wait, are you sure you've got that right? What you're describing is a tax credit that counts against your total owed.   In normal operations, companies get to ""write off"" all of their expenses and they only pay taxes on the net profit of the operation. So I guess you could say that if it cost me $100M to move a factory off shore, and my marginal tax rate was 35%, then I would ""save"" $35M in taxes ( it still cost me the $100M, but it only felt like it cost $65M).   This is true of any business expense. I (not Romney, apparently) don't know of any special treatment that offshoring activities get one way or the other."


You can add $262,500 worth of notes payable (assuming that you use the cash to buy inventory immediately). Any more and you would push the current ratio below 2. In case this ratio is the trouble, the formula for current ratio is current assets over current liabilities. Notes payable is a current liability and inventory is a current asset so you add the number to both of them. I used Excel to do this.  With this addition the quick ratio is 1.19. The formula for this is (current assets - inventory)/Current liabilities. So you take ($1,312,500 + $262,500 - $262,500 - $375,000)/($525,000 + $262,500) = 1.19


In a purely e-commerce point of view, they're pulling ahead of the other retailers. The problem, though, is that anyone making 'progress' isn't doing it organically, they're just buying the smaller guys that are doing it better (ie Jet.com for Walmart, drugstore.com for Walgreens) and jamming it into their way of working.


Do you really think that just because a business doesn't deal directly with the government they have NO interest in policy? Minimum wage laws, parental leave, immigration, regulations... all these things  and many more impact business regardless of direct business with government.  It's hard to imagine a business that DOESN'T have at least some interest in what the economic climate the government of the day is creating.


seriously...I'm the only one that is recommending VoIP.ms?  It costs a buck a month to keep your number and you can get DIDs (numbers) from other countries that point to the same phone. You'll need a ATA though to hook up your normal phone to the internet...I use the Cisco PAP2T-NA and it works wonders with good QoS on the router.  Bonus: This also allows you to do long distance phone calls on your smart phone if you have 3g/wifi internet access....pretty awesome stuff.  Extra Bonus: if you switch family members onto voip.ms too then you can phone them for free. I have quite a few around the world and most of my long distance has been completely cut out of my bills.  Monthly bills are ~3-5 bucks a month based on usage. I challenge anyone else to beat that!  Edit: just realized Verizon is cell service only -- DOH! Can you tell I'm not from the states? :P Leaving this post here because it could help someone in a better choice for their wired phone service non-the-less. Long distance thing is also a plus for your smart phone ;)


:-) lousy government and their useless safety standards. If it weren't for too much regulation, less fortunate families of 4 could be riding down the pot-hole infested highway right now in recycled cans of spam and rusty needles without useless automotive insurance or emissions regulations.


The actual price is represented on charts and not the change in price as a percentage, because it is the actual price which is used in all other parts of analysis (both technical and fundamental), and it is the actual figure the security is bought and sold at. A change in price has to be relative to a previous price at a previous time, and we can easily work out the change in price over any given time period. I think what you are concerned about is how to compare a certain actual price change in low priced securities to the same actual price change in a higher priced securities.  For example: $1.00 rise in a $2.00 stock representing a 50% increase in price; $1.00 rise in a $10.00 stock representing a 10% increase in price. On a standard chart both of these look the same, as they both show a $1.00 increase in price. So what can we do to show the true representation of the percentage increase in price? It is actually quite simple. You view the chart using a log scale instead of a standard scale (most charting packages should have this option). What may look like a bubble on a standard scale chart, looks like a healthy uptrend on a log scale chart and represents a true picture of the percentage change in price. Example of Standard Price Scale VS LOG Price Scale on a Chart Standard Price Scale  On the standard scale the price seems to have very little movement from Mar09 to Jan12 and then the price seems to zoom up after Jan12 to Mar13. This is because a 4% increase (for example) of $0.50 is only $0.02, whilst a 4% increase of $7.00 $0.28, so the increases seem much bigger at the end of the chart. LOG Price Scale  On the LOG chart however, these price changes seem to be more evenly displayed no matter at what price level the price change has occurred at. This thus give a better representation of how fast or slow the price is rising or falling, or the size of the change in price.


Spend less than you earn. If you have no job (source of income), then you can not possibly stay out of debt as you have to spend money to live and study.


> What government is more likely to default:  > A developed, relatively transparent European government with mature industries and an educated populous.  Honestly sometimes I find this really weird. it would seem to me that an educated populace (like iceland?) would realize how large of a dick is being shoved up their ass and how many decades they'll need to be in slavery to pay back their enormous debts...  > Or a developing, relatively opaque SouthEast Asian government with a large amount of its populous uneducated, living in poverty.  While this type of country would have elites ready to fleece the commoner, push the country into debt for their own profit, and keep the uneducated poverty-stricken peasants slaving away for the benefit of said elites, including continuing to pay down the enormous debts incurred in the process.   But maybe I'm wrong and the market is right.


It seems to me that having a market factor in a risk advantage for a bank that's backed by its own government is not a subsidy. There's no actual transfer of wealth (e.g. from the Dept of the Treasury) to the banks, it's a just benefit of market pricing which is based on the collective opinion of those who make up the bond market.   And if the author of the article is stretching the definition of 'subsidy', presumably they're doing it because they're trying to make a story here, and not because they're reporting an actual financial transaction.


I strongly doubt that being executor will make the assets of the estate vulnerable to a suit against him personally. The estate is it's own separate legal entity with its own TIN. Only creditors against the estate itself can make claims against it and after all creditors are paid, then the balance is distributed in accordance with the terms of the will. Unless he has commingled assets and treated estate assets as his own, the legal separation should be quite strong.  Whether his personal assets are at risk, remember that the opposition will likely overstate their case to try to scare him into settling. If the business was organized as an LLP or LLC, his personal assets should be pretty safe. If it was a sole proprietorship, he has occasion to worry.


"Clearly this is going nowhere. Your calloused view of the world is not going to change.  I hope that you never have to face adversity in your life. I truly do. But if you ever do, I hope that you meet nothing but people with the same attitude as yours towards those lower on the scale, so you can see how wrong your view of the world is. I hope they tell you to pull yourself up by your bootstraps, I hope they tell you to just simply get a better job, I hope they tell you to take responsibility for your own life, I hope they ask if you think that rich people should just give you their money, I hope they tell you that your problems all come from you blaming others. Maybe then you'll understand ""what I'm even arguing""."


The market prices for futures and depository ETFs like GLD and IAU are pretty consistent.  Prices for physical gold at retail can vary dramatically. At a coin store that I was at a few weeks ago, there was a very wide buy/sell spread on commonly available gold coins.


I've been a P2P Lending investor for ~18 months now with Lending Club with no complaints. Money wise, I'm making a 15.6% NAR w/ ~270 notes. I've had a few late payers, and one couple (oddly enough in both are in law enforcement) declare Ch.13 Bankruptcy, but b/c I've invested as little money as possible into each note ($25/note), my diversification helps reduce volatility and risk to capital.  Having tough underwriting standards is very important, but I think it all comes down to loaning only to those you think will pay you back, not someone with a sob story or a long history of defaults. That might sound like a no-brainer, but if you're a bit of a cynic and have really tough screening criteria, it's possible to lower your default rate if you're patient and deploy your money slowly over time. At least, my returns and default rate of zero would imply it's possible so far. I blog about it quite a bit, so if anyone wants to check out my Lending Club investments thus far, please check it out. (Apologies if this is considered spam since I'm a new member of the site, but thought it relevant to the discussion.)


There were a lot of people that didn't vote for him that still supported him (my father lives in an incredibly conservative area and knew the electoral votes there would go to Trump, so why he didn't feel like wasting his time, for example). Polls that aim to deduce national approval have settled around a 30% approval rating (maybe they will go lower), which means, for now at least, he has the support of around 1 in 3 citizens.


so far the only thing that I can think of that would make me want to go with H&R Block is the guarantee that they offer ( for a fee ) that says they will help you if you are ever audited for a tax return that you filed through them,  but I think that is given for both the software and the in person tax preparation.  so I guess if you like to ask lots of questions and get the answers nearly immediately I would go with an in person tax preparation person,  if they can't answer all your questions then that is something else to think about all together.


The drawback is not knowing when prices have reached a level where you are comfortable getting back in.   Someone who got out at S&P 1500 before the crash of '08 was very happy. But did they get back in at 666 or just watch the market come back 3X from that level? The S&P returned 10.46% from Jan '87 till Dec '14. I wonder how many traders got in and out just right to beat that number? Bottom line is that even the pro's acknowledge that timing the market is basically impossible, so why try?


My wife works for one of them, and I don't get the hatred.  Ethics, at least in the company my wife works for, are non-negotiable.  People get fired for the smallest offense.  Are there some bad apples that don't follow the rules?  Maybe.  But in general, the rules are followed to the letter.  As for researchers and average workers getting shafted, that's also hyperbole.  Granted, like all businesses, the higher-ups want more done with less.  But shafted?  Hardly.  Field workers, at least at the station my wife works at, are paid pretty darn well for having little to no education.  Starting wages for field workers are better than Costco's.  Researches are paid well, too.  Far from hating the big company, people are proud of the work they do and the company they work for, and it makes them angry to see people so misinformed about the work they do.   The researchers at these companies go into the field they do to help humanity, similar to the same motivations that drive doctors.  They want to feed the world, but instead of getting praised as saviors of humanity, they are insulted and mocked.


"If you're investing for the long term your best strategy is going to be a buy-and-hold strategy, or even just buying a few index funds in several major asset classes and forgetting about it. Following ""market conditions"" is about as useful to the long term trader as checking the weather in Anchorage, Alaska every day (assuming that you don't live in Anchorage, Alaska). Let me suggest treating yourself to a subscription to The Economist and read it once a week. You'll learn a lot more about investing, economics, and world trends, and you won't be completely in the dark if there are major structural changes in the world (like gigantic housing bubbles) that you might want to know about."


Only reason I can think of is that having a credit card, or several, is handy for buying stuff on-line, or not having to haul around a fat wallet full of cash.    Of course for some of us, getting the cash back and 0% interest periods are nice, too, even if we don't really need the money.  Same as for instance trying to get good mpg when you're driving, even if you could easily afford to fill up a Hummer.  It's a game, really.


Our Business loans at Fullerton India take care of your wide range of financial needs, capital requirements & other industrial expenses that are crucial for the growth of your small or medium level enterprise with instant eApproval & at affordable interest rates.


Most of Scandinavia is doing well.  Though it's a capitalist socialist mix.    Socialism will probably require a post-scarcity economy with robots who can do most manual labor to work.  Because yeah, humans a lazy and greedy and our society still requires a lot of hard work to maintain.


Also it has to taste good and be easy to eat one handed, in the car. And probably not be too weird sounding so people will actually buy it. And also scale massively, so no hard to cultivate crops.   It's not an easy problem to tackle.


For stock splits, let's say stock XYZ closed at 100 on February 5.  Then on February 6, it undergoes a 2-for-1 split and closes the day at 51.  In Yahoo's historical prices for XYZ, you will see that it closed at 51 on Feb 6, but all of the closing prices for the previous days will be divided by 2.  So for Feb 5, it will say the closing price was 50 instead of 100. For dividends, let's say stock ABC closed at 200 on December 18.  Then on December 19, the stock increases in price by $2 but it pays out a $1 dividend.  In Yahoo's historical prices for XYZ, you will see that it closed at 200 on Dec 18 and 201 on Dec 19.  Yahoo adjusts the closing price for Dec 19 to factor in the dividend.


"The following is based on my Experian credit scoring feedback and experience here in the UK over many years.  (And for further information I currently hold a credit score of 999, the highest possible, with 6 credit cards.)  Now I'm assuming that while there may be some differences in particulars in your case due to the difference in locality nevertheless the below should hopefully provide some broad guidelines and reasonable conclusion in your situation: Having a large number of active credit accounts may be seen as a negative.  However having a large number of settled accounts should on the contrary have a positive effect on your score.  As you keep your accounts mostly settled, I think having another card will not be to your detriment and should in time be beneficial. A large total credit balance outstanding may count against you.  (But see the next point.)   Having your total outstanding debt on all credit accounts be a smaller proportion of your total available credit, counts in your favour.  This means having more cards for the same amount of credit in use, is net-net in your favour.  It also has the effect of making even larger outstanding credit balances (as in point 2) to be a lower percentage of your total available credit, and consequently will indicate lower risk to lenders.   It appears from my experience the higher the highest credit limit on a single card you are issued (and are managing responsibly e.g. either paid off or used responsibly) the better. Needless to say, any late payments count against you.  The best thing to do then is to set up a direct debit for the minimum amount to be paid like clockwork every month.  Lenders really like consistent payers. :) New credit accounts initially will count against you for a while.  But as the accounts age and are managed responsibly or settled they will eventually count in your favour and increase your score. Making many credit applications in a short space of time may count against you as you may be seen to be credit reliant.  Conclusion: On balance I would say get the other card.  Your credit score might be slightly lower for a couple of months but eventually it will be to your benefit as per the above.    Having another card also means more flexibility and more more options if you do end up with a credit balance that you want to finance and pay off over a period as cheaply as possible.   In the UK the credit card companies are falling over themselves trying to offer one ""interest free"" or 0% ""balance transfer"" offers.  Of course they're not truly 0% since you typically have to pay a ""transfer fee"" of a couple of percent. Still, this can be quite cheap credit, much much cheaper than the headline APR rates actually associated with the cards.  The catch is that any additional spending on such cards are paid off first (and attract interest at the normal rate until paid off).  Usually also if you miss a payment the interest rate reverts to the normal rate.  But these pitfalls are easily avoided (pay by direct debit and don't use card you've got a special deal on for day to day expenses.) So, having more cards available is then very useful because you then have choice.  You can roll expensive debts to the cheapest lender at your disposal for as long as they'll offer, and then simply not use that card for any purchases (while paying off the balance as cheaply as possible), meanwhile using another card for day to day expenses."


Similarly to buying property on your own, REITs cannot get to good returns without leveraging. If you buy an investment property 100% cash only - chances are that 10% ROI is a very very optimistic scenario. If you use leveraging (i.e.: take out a mortgage) - you're susceptible to interest rate changes. REITs invest in properties all around all the time. They invest in mortgages themselves as well (In the US, that's the only security REITs can hold without being disqualified). You can't expect all that to be cash-only, there have to be loans and financing involved. When rates go up - financing costs go up. That brings net income down. Simple math. In the US, there's an additional benefit to investing in REIT vs directly holding real estate: taxes. REITs pay dividends, which have preferential (if qualified) taxation. You'll pay capital gains taxes on the dividends if you hold the fund long enough. If you own a rental property directly, your income after all the expenses is taxed at ordinary rates, which would usually be higher. Also, as you mentioned, you can use them as margin, and they're much much more liquid than holding real estate directly. Not to mention you don't need to deal with tenants or periods where you don't have any, or if local real-estate market tanks (while REITs are usually quite diversified in kinds of real estate they hold and areas). On the other hand, if you own real estate, you can leverage it at lower rates than margin (with HELOCs etc), and it provides some safety net in case of a stock market crash (which REITs are somewhat susceptible to). You can also live in your property, if needed, which is something that's hard to do with REITs....


Oh?  I guess it's different here in Canada.  *googles*.  > Canada has a ”last resort” clause for veterinarians to use antibiotics, and the milk must be withdrawn from supply for 14 days or twice as long as the medication’s withdrawal period, whichever is longer.


Pure fearmongering.  The poison is in the dose.  Finding trace amounts of anything is completely irrelevant and is never a cause for concern.  Until they publish what the actual concentrations are - and which concentrations might be a problem, this is complete non-news.  (The fact that they left out the concentration is rather telling..!)


I'm responsible for all our hedging.  Since we sell the energy to end users we do mostly fixed buys, swaps and calls.  I'm a excel guru and dabble a little in SQL.  we have Crystal Ball as well but i have no idea how to use it.  I guess I'm trying to figure out if there is a tool that people use to help me analyze the spreads. or perhaps some reading material to help me through this. This is what i've been working towards for so long and i really don't want to fuck this up


You'll get a range of answers, but with microLearning, you present a short block of content – less than three minutes – your learner can quickly master and immediately put to use. My 'rules' for each microLearning object are: * Should take a learner 3 minutes or less to master. * Is complete and presents a single learning objective. * Is one in a sequence that progress a learner toward a larger learning objective. * Delivers helpful content that is of value to the learner. * Is easily accessible to learners as part of their daily routine.  Each object should provide: * The content * The context for the content (where it fits in the larger training picture) * Why the content is of value (WIIFM) * A call to action * Guidance for reflective practice  https://learningstream.ie/microlearning-your-time-has-come/


In a nutshell, as long as they (Sparkasse) choose to. I work with banks where it happens the moment I submit the transaction (so the next screen already shows the new totals), and I work with banks that make it take 3 days. In the past, Sparkasse and Raifeissenkassen were especially famous to take a looong time ('Wir nehmen mehr als Geld und Zinsen...' - they supposedly work with the money inbetween, as it is gone from the source account but not arrived in the target account yet); that might have changed (or not). Probably Sparkasse has a statement in their fineprint on how long they make it take. I would expect one business day in today's environment, but I didn't look it up.


Just wanted to say that was a very interesting read, and I agree with most of what you said. I always find it interesting how many people (gods I hate to generalize but it seems apt at this point) seem to assume outright that anyone opposing the Libertarian viewpoint are lazy,poor,unmotivated, drug addicts or stupid. I always find it hard to maintain my composure with those individuals but you have done a smashing job keeping a calm rational demeanor while your adversary maintains his/her descent into childish name calling which is rather disappointing. Because if he could just form a counter argument without them it would be such a more interesting dialog.


It is often the case (more commonly in countries other than the USA) that a fixed-term loan has an early redemption penalty, because the lender themselves will incur a cost for settling the loan early, while a variable-rate loan does not. If this is the situation and you think you might want to pay off the loan early, you should definitely consider the variable rate rather than then fixed rate.


How's it misleading if it's a direct quote? That's quite literally what he said.   And a seven year bubble is not so unusual; bubbles can persist for long periods if there's no obvious catalyst for them to pop/deflate. Calling something a bubble does not equal calling when it will end.


> Are you suggesting when they break a law involving a small portion of their total business they pay fines involving all portions of their business?  Im suggesting if they break the law they go to jail, just like every one else. Im pretty sure what they did is worst than smoking a doobie and yet no one has gone to jail. just some light fines.


- On average, Mac users will select  rooms 20$-30$ more per night than windows users.  - Therefore, **orbitz charges more.**  - Therefore, the user pays more (*for a non substitute*) - i.e. Better rooms cost more.  - Therefore Mac users like better quality.   Seems legit.


The expense ratio is 0.17% so doesnt that mean that for every 10K I   keep in the money market fund I lose $17/year?  Not really. The expense ratio is taken before distributions are paid which applies to all mutual funds. Should I care about this?  In this case not really. If it was a taxable account, then other options may be more tax-efficient that is worth noting. The key with money market funds is that the expense ratio often represents how much money the administrators will take before paying out the rest. So, if your money market fund bought investments that paid .25% then you'd likely see .08% as that is what is left over after the .17% is taken in the dividends. If at the start of the year, the funds NAV is $1, and at the end of   the year, the funds NAV is still $1, I havent lost anything right? Right. Wikipedia has a good article on money market funds. Keep in mind that most money market funds are run as one of a number of funds from a fund family that may have to take a little less profit on the money market funds when rates are low.


I find this pretty sketchy, personally.   From their investor opportunities page:  > Wall Street, Social Medias and Real-estate investments aren’t working for many investors.  Stocks in the beleaguered social media sector keep heading down.  Shares of FaceBook, Angie’s List and Groupon, etc. have plunged as investors continue their retreat from the formerly red-hot sector. In this present day economy investors are looking for the next early stage Apple.  LifeSaver is the answer.  Reads as way too much of a sales pitch to invest. Also, I don't think there is actually any way to invest in the company outlined on that page.  I'm not saying this isn't a good idea for a product, I just would expect a medical device company to have a somewhat more professional website/investor relations page, and i'm slightly surprised to see you post this, especially with this title.


definitely have her get a financial advisor asap and go from there. the majority of that money should be invested and allocated into proper accounts. I know many people bash Wells Fargo around Reddit but I have one through them and he's been great.


>now why would people opposed to meat/blood want the appearance of bleeding?  It helps transition the people who've been eating meat/dairy all their life with something similiar enough.  Also, people generally turn vegan for 3 reasons: health, compassion, and/or environment.  Notice how disgust of meat usually isn't one of the big 3 although for some people it's a factor.


He's not stealing from you, you guys just have seriously broken communication.  > My red flag is he never ever takes a paid vacation. If he does take a paid vacation he plans it out a few weeks in advance.  That's called being a dedicated employee and planning ahead. It's also not uncommon to feel like training an assistant is more work than it's worth. Any number of things could be going through his head.


You sounded like taking a shot at developers being little bitches and moving on minor inconveniences. Where as the execs are grown up, and pull through..  When reality that's not fair to say, the incentives are completely different. So it's expected.


I don't think they have the in-house expertise to source and market  groceries specifically though, or at least not the level of expertise they feel they need to be competitive. Sometimes it's better to just acquire an organization and all its knowledge than to try to learn it all yourself and skin your knee in the process.


"Build your credit history by paying the credit accounts you have on time.  Review these periodically and close the ones you do not need. Ignore your score until it is time to make a large purchase.   Make decisions regarding credit on the basis of whether the debit would be better paid with cash or credit.  Not on credit score. Keep in mind that if your income is invested in your future, your money is working for you.  The income that is paying debt is working for the lenders. Mint is a financial services industry company (Intuit).  You are their product.  Intuit makes money from Mint by placing ads on the site where you visit frequently, and by gathering data about those who subscribe to their service.  They also are paid to refer you to credit card companies to ""build credit."""


If you're not a NY (tax) resident, then as long as you're not physically present in New York - you do not owe NY taxes on compensation for your services. But that is if you're a 1099 contractor/employee. If you're a partner/shareholder in a partnership/LLC/S-Corp registered or conducting business in New York, and that company pays you money - you do owe NY taxes. See this page of the NY revenue agency for more details.


I believe the following formula provides a reasonable approximation. You need to fill in the following variables: The average annual return you need on investing the 15% =  (((MP5 - MP20) * 12) + (.0326 * .95 * PP / Y)) / (PP *.15) Example assuming an interest rate of 4% on a 100K home: If you invest the $15K you'll break even if you make a 9.86% return per year on average. Here's the breakdown per year using these example numbers: Note this does not consider taxes.


I'm not saying an election will bankrupt a company, but you really think there is zero relation between an election outcome and a company's bottom line? When the major issues of the election are the economy and taxes, I'm pretty sure one outcome will be better for business than the other.


A good manager sets up systems, so you hardly have do to direct anything yourself. Manage by exception. Trust,  ask employees how things can be improved(they will have better knowledge of the task) and let them implement it if it's good.  At our place,  we have visual management things on TV screens so everyone knows what's going on,  metrics etc.  People are constantly trying to improve the performance of system without management pushing for it.   Empathy is highly important in management.  You have to feel what they feel.  The last thing you want is disgruntled employees.  Good luck getting people to do things well,  when they think you are a dick.   You can't demand respect... By definition.  You gradually gain it by being good at the job,  and making their jobs feel better.  If you can find out what people's real skills are then design the role around them. Don't force people into strictly defined roles. This is why people get fired. They're in a job that doesn't match their skills. Nothing worse then knowing your shit at a job,  but unable to move to a job you think you are good at.


Millions of Americans are affected by this. Millions of Americans live in debt, through credit cards and other sources that depend on these scumbaggers. Yet, the media picks it up, due to necessity, and drops it faster than a wide receiver with no hands.


If it's a low margin business and you can get value for it that's higher than the leadership values it, and they have some opportunity in a better margin business but for some reason couldn't acquire debt funding or more investors to fund the new business; then it might be feasible, but unusual and probably not ideal.


If you know that you have a reasonable credit history, and you know that your FICO score is in the 690-neighborhood, and the dealer tells you that you have no credit history, then you also know one of two things: Either way, you should walk away from the deal.  If the dealer is willing to lie to you about your credit score, the dealer is also willing to give you a bad deal in other respects. Consider buying a cheaper used car that has been checked out by a mechanic of your choice.  If possible, pay cash; if not, borrow as small an amount as possible from a credit union, bank, or even a very low-interest rate credit card.  (Credit cards force you to pay off the loan quickly, and do not tie up your car title.  I still have not managed to get my credit union loan off of my car title, ten years after I paid it off.)


Well, 1.5 million kids who have never seen a doctor have one now.   The infant mortality rate has dropped 15%. Do you know if we could get even with even Italy's infant mortality rate, we would have something like 16 fewer dead babies every single day?


This is a case where you sit down with an advisor or two. There are legal, and tax issues.  When you deposit the cash, or buy a car with it, the large cash transaction will trigger a notice to the US Government. So they will eventually find out.  Before you get to that point you need to know what obligations and consequences you will be facing. Because you don't know if it was a gift, or found money, or if the owner will be back looking for you to return it; therefore you need expert advice.


Again, I don't have the answers, but it seems to me as though the value of stock in a company should be directly correlated somehow to the real world value - what it holds in assets, the demand for its services or products.    And when you see IPOs of tech stocks with prices exponentially greater than their revenues, or derivatives that when unravelled are nothing but air, or intraday fits and runs that seem to be tied to nothing in particular, then it all starts to look like nothing but manipulation.  Maybe you're right, there's nothing wrong with HFT and a tax on it wouldn't add stability, I can't say.  And if you explained it, I must not have understood.  But I don't think its wrong for people to consider the current (or past) instability undesirable and try to think of solutions.


"The reason ""on-line"" savings accounts (Ally, CapitalOne, American Express, and many others) provide much higher rates than brick-and-mortar banks is because they're not brick-and-mortar. They do not need to pay for a huge amount of real estate, utilities, public-facing employees, inter-office mail, security, etc etc. All that - allows them to pay more for your money. The back office of these banks is the same as that of Chase, BOA or Wells Fargo. Its just that they don't have the enormous expense of having a branch in every neighborhood, while still reaching all the same population of depositors. So no, its not a scam, these are reputable banks. Some have physical offices (for example, I know that CapitalOne has some branches in New York), some don't (IIRC neither Ally nor American Express Federal Saving Bank have physical branches). But they're banks nonetheless, insured as required by FDIC (or NCUA, in case of credit unions), and provide all the same services for less (or all the same savings for more, if you will). IMHO, giving 0.01% APR is a scam. Not the other way around. The old-style banks want your money for free, and you're worried why would someone else treat you better... Well, that's why the US has one of the most retarded financial systems in the Western world..."


Narratively from the POV of the landlord, the hip retailer ABC offered me a 10 year lease at $1000/month for an empty store front on an empty block.  I agreed.  ABC attracted a large youth market, so other stores filled in the rest of the block in the intervening decade, which I leased for 1200, 1500, 2000, and finally 4000 per month since the foot traffic and demographic is so strong. It's now year 9.  Next year, the lease will likely jump up to the comparable 4000 per square foot.  Their margin in this location probably looks great today.  But the purpose of the quote is to warn you to check the future.


The operating margin deals with the ability for a company to make a profit above the costs of running the company and generating sales. While ROE is how much money the company makes relative to the shareholders equity. I'd be willing to bet that if a company has a small ROE then it also has a quite large P/E (price to earnings) ratio. This would be caused by the company's stock being bid up in relation to its earnings and may not necessarily be a bad thing. People expect the high operating margin to help drive increased revenues in the future, and are willing to pay a higher price now for when that day comes.


"My favorite line:   ""Companies should generate enough profits to justify the price that shareholders are willing to pay for its shares. Once shareholders are no longer willing to pay up for those profits, they should invest that money elsewhere.""   This person loses all credibility right here."


Giant, Trek, and Specialized have partner brick and mortar shops that are selling more than just their bikes. They're selling direct to consumer but the hope is that they are going into these shops and buying other cycling accessories that they manufacture i.e. helmets, shoes, cycling kits, etc.  I don't know much about Canyon but my guess is that they are mainly selling bikes and all the other stuff isn't a big component of their business.


Are there any frameworks to deal with the following situation: assume you're invested in an asset which has gained 10x, there is a chance for the asset to gain another 10x (100x in total) and go to zero. The probabilities of the various outcomes are unknown.


But the benefits in EU countries are better. I don't see a reason to go to the US for an employment, especially if there's a clock of 6 years running on it.   I don't know if I can ever explain that to anyone, but moving 8,000 miles to a different continent that feels like a third world country with crazy shootings and shitty healthcare, and than when you finally get used to it and get settled in you get kicked out and besides illegally getting into a greencard marriage you can't stay. they would deport you like a criminal after paying taxes for 6 years.  so yeah, in my personal opinion and pretty much every former H1b holder I know, it's not worth it as long as there's a time limit.


"I mean, in the eyes of investors it is a good investment.  > ""Demand for stock from fund managers exceeded supply by more than 29 times at that price, two people said.""  They also have plantations in Malaysia and Indonesia, along with refining plants in China, Indonesia, Turkey, and South Africa. So it already has a stable foot hold in various economies.   Like I said, it's nice to see a business IPO that offers a tangible product with a relatively cheap IPO along with a chance to see much growth. You don't see many of these around nowadays."


Stock basically implies your ownership in the company. If you own 1% ownership in a company, the value of your stake becomes equal to 1% of the valuation of the entire company. Dividends are basically disbursal of company's profits to its shareholders. By holding stocks of a company, you become eligible to receiving dividends proportional to your ownership in the company. Dividends though are not guaranteed, as the company may incur losses or the management may decide to use the cash for future growth instead of disbursing it to the shareholders. For example, let's say a company called ABC Inc, is listed on NYSE and has a total of 1 million shares issued. Let's say if you purchase 100 stocks of ABC, your ownership in ABC will become Let's say that the share price at the time of purchase was $10 each. Total Investment = Stock Price * Number of Stocks Purchased = $10 * 100 = $1,000 Now, let's say that the company declares a dividend of $1 per share. Then,  Dividend Yield = Dividend/Stock Price = $1/$10 = 10% If one has to draw analogy with other banking products, one can think of stock and dividend as Fixed Deposits (analogous to stock) and the interest earned on the Fixed Deposit (analogous to dividend).


First, you need to see if you actually qualify as a dependent under IRS rules; in short: While there may be exceptions to the cohabitation rule, I am not sure what those could be.  The takeaway is that if your parent is wishing to claim you as a dependent, they must be responsible for supporting the majority of your living expenses (e.g. food and shelter). If this is the case, then the next question is to look at how the impact of the exemptions play out.  In your situation, I would guess that your mother is correct:  your taxable income is likely to be so low that if you do not take an exemption for yourself, you probably would still have zero or minimal tax liability; but if you mother claims you as a dependent, she will be able to take a deduction. In the case of your grants and loans, the loans should not be taxable income since these need to be repaid (presumably, with future earnings).  Federal grants may be taxable--basically, the portion of the grant that is used solely for paying educational expenses toward a specific degree (tuition and books) is non-taxable, but the remainder may be subject to tax. As for tax credits, you would need to see how much you would get and how they would apply to you.  The bottom line is, there are too many variables to say for certain what the best approach would be, so both your and your mother's returns must be prepared under each scenario (you as her dependent, versus you claiming a personal exemption).


What California will prove is that the paying system isn't the cause of the skyrocketing prices. It is the huge amount of demand side subsidization of the health care industry primarily from Medicare and Medicaid. Anyone who believes this will save anything has a short memory of California's record on cost saving legislation.


OptionsXpress includes India in the list of countries where is possible to open an international account to invest in the US Stock Market. They just merged with Charles Schwab and they have a nice online trading platform. Stocks and ETFs are little bit pricey.. Get in touch with them to get more information.


"If you are living near a land-grant university, you might be able to find help from the university's Extension Service.  In many land-grant universities (the land grants were given to universities formed for the purpose of improving ""agricultural and mechanical arts""),  the Extension Services have expanded beyond farm-related services to include horticulture, food and nutrition counseling, consumer finance, money management and budgeting advice etc.  See, for example this site."


You should pay things off every month.  You don't want to be paying 10%-25% interest if you don't have to.  If you regularly use you card, the credit agencies can't tell the difference.  The way it works is that every month, they send the credit agencies your current balance and if you paid the last bill on time.  There is nothing that indicates if this is a standing balance, or if you charged all of it since the last payment. Any business that you legitimately owe a debt to can report that to the credit agencies.  Not all of them do.  This includes utilities, cell phone companies, landlords, etc. If any of them report overdue items it will show up on your credit report, and your credit card company can use that to raise you interest rate. Some cards will automatically raise you credit limit.  They are basically looking to make money fro you.  If you often charge near the limit, and pay the minimum balance each month, they may raise your limit to get you to charge more, and pay more interest.  You can also call them and ask.  They have some internal rules to decide if, based on your history with them and your credit history, if you are a good risk.


I love how this probably won't get many replies because your in the trenches doing it, keep up the hard work. I graduated high school with 1k in savings and dropped out of college to help support my depressed and unemployed mother with some help from my Father.   I am now a married new construction homeowner and we take home enough money to have new cars, save for retirement, and enjoy life with no college degrees. I went from 8 an hour to over 35 now in 4-5 years.  We both had to get off social media because of all our old high school friends who went to college for garbage degrees, never tried to get entry level jobs in their industry while in school or network, and now cry all day about how Bernie sanders didn't win the election and why school should be free so they don't have to pay off debt for a worthless degree as they wait tables. No sympathy


It's still early days, too. Most people have heard of Bitcoin, but not nearly as many of Ethereum, and barely anyone about one of the other four or five runner ups. All of them are growing and building an ecosystem, and starting to replace old ways of doing things.  Very interesting times ahead.


I've never been involved with an HOA, but in organizations that I've been involved in, we had 'building funds', which were a dedicated part of the membership fees devoted to building up money for an event, building maintenance etc. My church when I was a kid had a heat fund in the summertime. Build up a fund, and spread the projects around... that's the affordable way to do things. But you need good governance, otherwise you end up with some yahoo blowing the money on something frivilous when there is a sparsly attended meeting.


Don’t waste time trying to create a video on your own. Why do it when you have expert animation video makers by your side? They are skilled in the art and science of creation, copy, edit, and finalization of the video to give you a refined version of your content.


Okay awesome. Thank you for your answer! I plan on developing it myself that's why I feel like time is not on my side, hence my concern because people can implement the idea a lot faster and easier than I can.  Thanks!


Asshole might be a bit strong.   In the half dozen or so interviews I've seen with him, he's short with people, defensive, and doesn't appear very friendly. He also made a joke about Joe Biden when Biden got choked up over his dead son.  Fuck Joe Biden for a lot of reasons, but not cool on Ackman's part.


Check out r/flipping.  It is in line with your original method of accumulating capital, with more complexity and potential for profit.  Many people quit their jobs and do it about 20 hrs per week with better pay, but more risk.  Amazon and Ebay are your pals.


Could be misunderstanding your context. But ev = equity + debt - cash. So don't think it makes sense for an equity holder to have an individual ev/ebitda different from the company's.   Are you asking in context of valuing equity and debt from an ev/ebitda multiple?


"Interesting article! I feel like it focuses a little heavy on that line in the 10-K though, that doesn't seem terribly uncommon. Seems like the article is trying to do a ""gotcha"" bit with it. I think the story of the disappearing executives is much more interesting without bringing the generic 10-K disclaimers into it at all."


You can only grow your fucking corn in farmville so many days before the thrill wanes I guess.  Seriously, Zynga was an even dumber bubble than Facebook itself. There whole business model is stealing other people's ideas, then getting you to annoy your friends by spamming their walls. This is not a never ending growth strategy.


There are two reasons for incorporating a business in Canada - limiting liability and providing some freedom in structuring your taxes. Since you are asking about taxes, I will restrict myself to that topic. First of all, remember that if you don't make much money, there isn't much tax to save by clever structuring of your affairs. And if you do incorporate, you will pay taxes as a corporation, and pay taxes again on your salary paid from that corporation. It can still be advantageous, because the small business tax rate is less that the higher tax brackets of personal taxes, and you don't have to pay out all of the profit as salary. If you don't incorporate, you still must pay taxes on your net income from the business. (See brian's answer.) Definitely keep track of your income and expenses, even if you don't plan on making money, in case you get audited. If the CRA wants to call your hobby a business, you will need to show that you haven't made any profit. I am just giving you a few bits of advice because this subject is complicated. Too complicated for an answer on this site. If you are still interested, go to your local library and get some books on the subject.


I was fairly serious about Spanish in high school. The front desk person was a mom of a friend and Puerto Rican so she said she was only going to speak Spanish to me. When I asked her the word for tissue she told me it was Kleenex and said she genuinely didn't know another word for it.


"There are two umbrellas in investing: active management and passive management. Passive management is based on the idea ""you can't beat the market."" Passive investors believe in the efficient markets hypothesis: ""the market interprets all information about an asset, so price is equal to underlying value"". Another idea in this field is that there's a minimum risk associated with any given return. You can't increase your expected return without assuming more risk. To see it graphically:   As expected return goes up, so does risk. If we stat with a portfolio of 100 bonds, then remove 30 bonds and add 30 stocks, we'll have a portfolio that's 70% bonds/30% stocks. Turns out that this makes expected return increase and lower risk because of diversification. Markowitz showed that you could reduce the overall portfolio risk by adding a riskier, but uncorrelated, asset! Basically, if your entire portfolio is US stocks, then you'll lose money whenever US stocks fall. But, if you have half US stocks, quarter US bonds, and quarter European stocks, then even if the US market tanks, half your portfolio will be unaffected (theoretically). Adding different types of uncorrelated assets can reduce risk and increase returns.  Let's tie this all together. We should get a variety of stocks to reduce our risk, and we can't beat the market by security selection. Ideally, we ought to buy nearly every stock in the market so that  So what's our solution? Why, the exchange traded fund (ETF) of course! An ETF is basically a bunch of stocks that trade as a single ticker symbol. For example, consider the SPDR S&P 500 (SPY). You can purchase a unit of ""SPY"" and it will move up/down proportional to the S&P 500. This gives us diversification among stocks, to prevent any significant downside while limiting our upside. How do we diversify across asset classes? Luckily, we can purchase ETF's for almost anything: Gold ETF's (commodities), US bond ETF's (domestic bonds), International stock ETFs, Intl. bonds ETFs, etc. So, we can buy ETF's to give us exposure to various asset classes, thus diversifying among asset classes and within each asset class. Determining what % of our portfolio to put in any given asset class is known as asset allocation and some people say up to 90% of portfolio returns can be determined by asset allocation.  That pretty much sums up passive management. The idea is to buy ETFs across asset classes and just leave them. You can readjust your portfolio holdings periodically, but otherwise there is no rapid trading. Now the other umbrella is active management. The unifying idea is that you can generate superior returns by stock selection. Active investors reject the idea of efficient markets.  A classic and time proven strategy is value investing. After the collapse of 07/08, bank stocks greatly fell, but all the other stocks fell with them. Some stocks worth $100 were selling for $50. Value investors quickly snapped up these stocks because they had a margin of safety. Even if the stock didn't go back to 100, it could go up to $80 or $90 eventually, and investors profit. The main ideas in value investing are: have a big margin of safety, look at a company's fundamentals (earnings, book value, etc), and see if it promises adequate return. Coke has tremendous earnings and it's a great company, but it's so large that you're never going to make 20% profits on it annually, because it just can't grow that fast. Another field of active investing is technical analysis. As opposed to the ""fundamental analysis"" of value investing, technical analysis involves looking at charts for patterns, and looking at stock history to determine future paths. Things like resistance points and trend lines also play a role. Technical analysts believe that stocks are just ticker symbols and that you can use guidelines to predict where they're headed.  Another type of active investing is day trading. This basically involves buying and selling stocks every hour or every minute or just at a rapid pace. Day traders don't hold onto investments for very long, and are always trying to predict the market in the short term and take advantage of it. Many individual investors are also day traders.  The other question is, how do you choose a strategy? The short answer is: pick whatever works for you. The long answer is: Day trading and technical analysis is a lot of luck. If there are consistent systems for trading , then people are keeping them secret, because there is no book that you can read and become a consistent trader. High frequency trading (HFT) is an area where people basically mint money, but it s more technology and less actual investing, and would not be categorized as day trading.  Benjamin Graham once said: In the short run, the market is a voting machine but in the long run it is a weighing machine. Value investing will work because there's evidence for it throughout history, but you need a certain temperament for it and most people don't have that. Furthermore, it takes a lot of time to adequately study stocks, and people with day jobs can't devote that kind of time. So there you have it. This is my opinion and by no means definitive, but I hope you have a starting point to continue your study. I included the theory in the beginning because there are too many monkeys on CNBC and the news who just don't understand fundamental economics and finance, and there's no sense in applying a theory until you can understand why it works and when it doesn't."


"See Berkshire Hathaway Inc. (BRK-A) (The Class A shares)  and it will all be clear to you. IMHO, the quote for the B shares is mistaken, it used earning of A shares, but price of B. strange. Excellent question, welcome to SE.  Berkshire Hathaway is a stock that currently trades for nearly US$140,000. This makes it difficult for individual investors to buy or sell these shares. The CEO Warren Buffet chose to reinvest any profits which means no dividends, and never to split the shares, which meant no little liquidity.  There was great pressure on him to find a way to make investing in Berkshire Hathaway more accessible. In June '96, the B shares were issued which represented 1/30 of a share of the Class A stock. As even these ""Baby Berks"" rose in price to pass US$4500 per share, the stock split 50 to 1, and now trade in the US$90's.  So, the current ratio is 1500 to 1. The class B shares have 1/10,000 the voting rights of the A. An A share may be swapped for 1500 B shares on request, but not vice-versa."


"More like sales ""guidelines"". The company asks employees to hit certain upsell goals, i.e. selling as many machines with AppleCare (extended warranty) as possible. No specific dollar amounts per employee, however each store as a whole is ranked against all other stores.   They don't really get rid of people. If you are repeatedly late, you're gone. If you're a no show, you're gone. If you are like me and revealing corporate secrets, you're gone. But they don't really can you for not being a sales beast."


Shop for the quality always! Choose your favorite one football here and get it at your doorstep. No need to go market or any store, no need to be worry to find the unique and Best cheap soccer balls. All famous brands are available here at discounted price. Just choose and order your favorite brand with color option.


A few big players gobbling up 80% of a market is what enables these cartels. A functioning government is there to enforce antitrust laws, but we don't have one. I'm honestly curious - what do you think would happen with these global corporations in the absence of government?


"Typically you can use credit card balance transfers to consolidate some, or all, of your other loan balances in one place.  The interest rate might be lower.  Some prefer to make one payment rather than multiple payments.  There is typically a fee that is imposed by the card that is originating or creating the loan.  This would be the credit card you are transferring the balances.  That fee is typically in the 3% to 5% range.   While tempting and attractive on the surface, this plan typically leads to a worse situation then you are now.   It's a ""tough pill to swallow"", but your problem is that you spend too much money.  Transferring money will not change this problem, it is your behavior that has to change in order to not accumulate more debt.  It has to change further if you want to get rid of the debt in a timely fashion.   You would be far better served to forget about this transfer and get your life into control.  Spend a lot less, earn more.  Pay off the cards you have now and cut them up.  Make a goal to be done in a year and figure out how to earn enough money to make that happen. BTW I am a reformed over-spender that now owes nothing.  Yep my house, cars, and rental property are all paid for.  You can get there too."


"Getting a loan should be hard. Who exactly is ""leaving behind a generation?"" Welcome to free market capitalism. Buy land a build a house if houses are too expensive. The world doesn't owe you anything. Figure it out on your own."


This might be a good reason to check that box saying you want paper reports for those monthly statements. After all, you don't get any cost savings for opting for electronic files. Otherwise you are stuck arguing without documentation that you lost those files proving my account balance in the EM event.


When I worked there we had a '10 Foot Rule', you had to acknowledge any customer within 10 feet of you. This rule was rarely followed as you were usually busy with something else and didn't have time to acknowledge everyone within 10 feet of you at all times. And as someone else already pointed out, they have a 'No Pressure' sales approach. This is a businesses way of telling you that they don't pay their employees on commission. So I couldn't give a crap if you bought that computer at my store or another Best Buy or at the Circuit City across the street (whoops looks like I dated myself.) I didn't see an extra penny if you bought from my store. The only thing they did pressure you to sell was extended warranties, and it was negative pressure, in that if you didn't sell enough of them you were warned and then eventually let go. Couldn't get out of that place fast enough.


"It reminds me of the Efficient Market Hypothesis, except that just states in its weakest form that the current market price accounts for all information embedded in previous market prices. In other words, people buying today at 42 know it was selling for 40 yesterday, and the patterns and such. To say that stock is memoryless strikes me as not quite right -- to the extent that stocks are valued based on earnings, much of what we infer about future earnings relies on past and present earnings. One obvious counterexample to this ""memoryless"" claim is bankruptcy. If a stock files bankruptcy, and there isn't enough money to pay senior debt, your shares are worth 0 in perpetuity."


"Any clearing/ legal experts out there?  Is this possible- and if so, is it that big of a deal? Here are my thoughts:  1. The EU is right to request euros to be cleared on ""home soil"" for sovereignty reasons since 2/3s of euro currency is cleared in London.  2. Moving euro clearing back to the eurozone... would just mirror US regulations.  Whats the big deal?"


"I would not advise buying a home because you think you will make money. (1) Return on Investment If you have $290K, have you asked yourself how much your investment would grow if you invested it in other ways.  At 2% growth re-invested, your money would grow to $307K (or 17K) after 4 years.  $290,000 * 1.02 =   $295,800 * 1.02 =   $301,716 * 1.02 =   $307,750  (2) Homeowner Experience Without the experience of owning your own home, it's hard to know relate to complaints and expectations that your tenants might have.  It's hard to know to anticipate problems and repairs and costs due to home ownership.  Homeowners have many decisions to make regarding upkeep of a home.  The costs are difficult to predict if you have no experience to draw upon. (3) Managing Rental Property: It's a ""job"".  You either take on this responsibility, or you subcontract it to someone else who you pay to manage the property and contracts!  Is this something you are passionate about doing? If you need to travel back to the home, it's clear across country.  It's not close enough to visit."


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I would just take $2000 and multiply by your marginal tax rate, weight that between the 5 other people according to their share of the prize money and ask them to give you that. From your question it seems like you all have a good working relationship, I'm sure the other partners would agree to that. I think it's the simplest solution that is also fair and equitable. Basically, you pay the tax on 2000 and they pay you back for their share of the tax. Much easier than trying to pass it through your tax return for 5 separate people for a minimal amount of $'s. In hindsight, the best way to do it would have been to 1099 the person with the lowest marginal tax rate for the year to minimize the total tax paid on the 2000. Probably only would've been a few dollars difference but still the most efficient way to do it.


Which is a reasonable assumption. If he knows why he outsourced he can make policy based on those reasons.  However, he has yet to give us a reason. We're only assuming he knows of policy that can stop that, yet in reality, it may be inevitable. Some things will always be cheaper from Asia.  So when we he gives us a speech on policy, I'll listen, but as of now, he hasn't given us a way to keep jobs here.


"I think the £35K band applies to the ""dividend income"" not the ""dividend paid to you"", and so you would only actually get £31.5K (90% of £35K) in your pocket before the next tax band kicked in. If your company will only supplying large VAT registered entities, then register for VAT yourself and elect the Flat Rate scheme - depending on your area of business, given that you have no expenses, your company will get an extra 7% - 14% on its income for free. Your clients won't care that you charge them VAT because they'll claim it back. Finally, depending on what your company is for, beware of the dreaded IR35"


Your max contribution to your Roth IRA and your traditional IRA share the same cap, so if you are maxing your Roth IRA you cannot have a traditional one as well. I would put the additional into your 401k or perhaps a 529 if you have any kids.


I won't make any assumptions about the source of the money.  Typically however, this can be an emotional time and the most important thing to do is not act rashly. If this is an amount of money you have never seen before, getting advice from a fee only financial adviser would be my second step.  The first step is to breathe and promise yourself you will NOT make any decisions about this money in the short term.  Better to have $100K in the bank earning nearly zero interest than to spend it in the wrong way. If you have to receive the money before you can meet with an adviser, then just open a new savings account at your bank (or credit union) and put the money in there.  It will be safe and sound. Visit http://www.napfa.org/ and interview at least three advisers. With their guidance, think about what your goals are.  Do you want to invest and grow the money?  Pay off debt?  Own a home or new large purchase?  These are personal decisions, but the adviser might help you think of goals you didn't imagine Create a plan and execute it.


"Those fall under ""doing some research"" but I get what you're saying. I'm most likely in the minority from what the lines look like when I do happen to visit Walmart.   Also, I'm jaded. I've known people who would just return random stuff to Walmart. Hell even stolen shit, since they will take pretty much anything. It's like an unregulated pawn shop.   I have just never found myself in the position that I needed to stand in line to return something there, so I guess the service just isn't for me. I shouldn't have commented at all since my opinion is inconsequential."


Housing in New Zealand is still fairly cheap compared to a lot of European countries, even in Auckland.  The subsurface might be less favorable as well: there are old volcanoes. Ideally you have solid granite to build high.


"We aren't spending $50k on an educated that goes unused anyway.  >retail degree holders that would have had a better chance with a less redundant education.   Which is why we should stop pushing ""college at all costs.""   >There should not be a price tag on an understanding of civics  Where did I say there should be?"


You can also consider getting GICs which offer early redemption - ING has pretty decent ones. Early redemption offers poorer interest than savings account, but if you go the full term the interest rates are better than savings account.


Yes, an overall $500 loss on the stock can be claimed. Since the day trader sold both lots she acquired, the Wash Sale rule has no net impact on her taxes. The Wash Sale rule would come into play if within thirty days of second sale, she purchased the stock a third time. Then she would have to amend her taxes because claiming the $500 loss would no longer be a valid under the Wash Sale rule. It would have to be added to the cost basis of the most recent purchase.


"It depends on when you're setting the goal. 1) When you have finished the year and you are filling out tax forms, your goal is to get as large of a refund as possible. 2) When the year begins afresh and you are earning money and paying taxes, your goal should be roughly to pay exactly the amount of tax owed so that at the end of the year you don't have any refund or tax owed - it's the same as getting your tax refund right away rather than waiting until after you file taxes.  So you want your W4 set up appropriately (assuming you're talking about the US). I think (1) is obvious.  For (2), imagine you start the year with the goal to get the largest possible tax refund at the end.  Well that's simple - fill out the W4 and on line 6 (""Additional amount, if any, you want withheld from each paycheck"") tell them to withhold everything.  Then at the end of the year you'll get a huge refund.  Of course in the meantime, you've made an interest-free loan to the government, and you've probably had to take out a high-interest rate loan from your bank or credit card.  Obviously this is bad. An argument could be made that it would be even better to slightly underpay your taxes (but not enough to owe a penalty).  Ignoring human weakness, this is correct.  If you have the discipline to set that money aside in a safe place, that's okay.  If this would cause you to spend that money (or even save less of your other money), then this is a bad idea.  So I'd really want to highlight some of this depends on your own financial discipline - is it better for you to have the money right away so that you can make good choices with how to use it now, or is it better for you to put the money somewhere out of reach so that you won't spend it on impulse purchases?  (and recognize that there are ways to put it out of reach and earn interest on it rather than spending it - one good choice for you would be a Roth IRA)"


"Wait until confirmed, then eBay will send a notification that you need to ship. PayPal does have a waiting time for when the funds are ""free"" and can be withdrawn, make sure you're not confusing the two: https://www.paypal.com/us/selfhelp/article/Why-is-my-payment-from-a-sale-on-eBay-on-hold-FAQ1377  PayPal does this hold, usually 21 days, for those that are new to selling to ensure buyers are protected. I have had it happen when I sell and after 21 days, PayPal frees up the funds so I can withdraw. It's annoying, but the money is there."


"As @AlexKuhl says, ever? yes, but generally? no. If your 401k is invested in stocks and bonds, the long term return is very likely higher than the interest on a mortgage. Long term return on the stock market is around 7%. Mortgage rates these days are around 4%. Add the tax penalty on top of that and you're almost surely better to keep your money in the 401k. There's also the psychological/budgeting factor. People very often say, ""I'll pull money out of my retirement fund for this important purchase and then put it back later."" And then later comes and there are other expenses and things they want to do and they never put the money back."


"You absolutely, positively can land in jail in the United States of America for an unpaid, NON-governmental debt: ""In 2011, Robin Sanders was driving home when she saw the blue and red lights flashing behind her. She knew she had not fixed her muffler, and believed that was why she was being pulled over. She thought she might get a ticket.Instead, Sanders, who lives in Illinois, was arrested and taken to jail.As she was booked and processed, she learned that she had been jailed because she owed debt — $730 to be precise, related to an unpaid medical bill. Unbeknownst to her, a collection agency had filed a lawsuit against her, and, having never received the notice instructing her to appear, she had missed her date in court."" So, a private company is able to marshal the power of the State to arrest a person for a non-criminal act: being in debt. https://www.themarshallproject.org/2015/02/24/debtors-prisons-then-and-now-faq#.kzmmbtcOZ"


I'm afraid you're not going to get any good news here. The US government infused billions of dollars in capital as part of the bankruptcy deal. The old shares have all been cancelled and the only value they might have to you are as losses to offset other gains. I would definitely contact a tax professional to look at your current and previous returns to create a plan that best takes advantage of an awful situation. It breaks my heart to even think about it.


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"I'm not following what's the meaning of ""open a mutual fund"". You don't open a mutual fund, you invest in it. There's a minimum required investment ($2000? Could be, some funds have lower limits, you don't have to go with the Fidelity one necessarily), but in general it has nothing to do with your Roth IRA account. You can invest in mutual funds with any trading account, not just Roth IRA (or any other specific kind). If you invest in ETF's  - you can invest in funds just as well (subject to the minimums set). As to the plan itself - buying and selling ETF's will cost you commission, ~2-3% of your investment. Over several months, you may get positive returns, and may get negative returns, but keep in mind that you start with the 2-3% loss on day 1. Within a short period of time, especially in the current economic climate (which is very unstable - just out of recession, election year, etc etc), I would think that keeping the cash in a savings account would be a better choice. While with ETF you don't have any guarantees other than -3%, then with savings accounts you can at least have a guaranteed return of ~1% APY (i.e.: won't earn much over the course of your internship, but you'll keep your money safe for your long term investment). For the long term - the fluctuations of month to month don't matter much, so investing now for the next 50 years - you shouldn't care about the stock market going 10% in April. So, keep your 1000 in savings account, and if you want to invest 5000 in your Roth IRA - invest it then. Assuming of course that you're completely positive about not needing this money in the next several decades."


No. Like Keshlam said, unless you have a crystal ball there is no sure thing. However based on the things you said in your question, you could be better off doing some back testing. With your findings, you can then set up trades in your favor but again it's not 100%. You may also want to check out quant finance stackexhange.


My first thought is get a Capital One Secured Card. Use it for small things and pay it all off when you get paid. It will build your credit and after six months of solid use your credit limit can go up and you can be eligible for a better non-secured card (not that you need to get one). It's great for starting or rebuilding credit.


The simple answer is absolutely.  With the parameters you quote, if you will pay off the loan in 82 months or less, you will be ahead taking the variable rate. You have put your finger on the important question as well. The higher initial interest is buying insurance against rates rising if you don't pay off the loan within 82 months.  I suspect the contract loan term is much longer than that, because otherwise a variable rate does not make sense.  You need to assess whether the insurance you are buying is worth the premium.  You can look at what the formula for the variable rate would set the rate at today. It is probably somewhat higher than the 3.79%.  That will tell you how much rates have to rise to make the variable rate go above 5.02%. Note that if the loan term is around 160 months (and it could well be 180 months, 15 years) you can afford the interest to rise to about 6.2% for the last half and you will still be dollars ahead.  It could even rise higher if you discount expenses in the future.  You could also hope that if inflation rises to make interest rates rise like that you will get cost of living raises that make this easy to pay.


I would also be getting out of the stock market if I noticed prices starting to fall and a crash possibly on the way. There are some good and quite simple techniques I would use to time the markets over the medium to long term. I have described some of them in the answer to this question of mine: What are some simple techniques used for Timing the Stock Market over the long term? You could use similar techniques in your investing. And in regards to back-testing DCA to Timing The Markets, I have done that too in my answer to the following question: Investing in low cost index fund — does the timing matter? Timing the Markets wins hand down. In regards to back-testing and the concerns Kent Anderson has brought up, when I back-test a trading strategy, if that strategy is successful, I then forward test it over a year or two to confirm the results. As with back-testing you can sometimes curve fit your criteria too much. By forward testing you are confirming that the strategy is robust over different market conditions. One strategy you can take when the market does start to fall is short selling, as mentioned by some already. I am now short selling using CFDs over the short to medium term as one of my more aggressive strategies. I have a longer term strategy where I do not short, but tighten my stop losses when the market starts to tank. Sometimes my positions will keep going up even though the market as a whole is heading down, and I can make an extra 5% to 10% on these positions before I get taken out. The rare position even continues going up during the whole downturn and when the market starts to recover. So I let the market decide when I get out and when I stay in, I leave my emotions out of it. The best thing you can do is have a written trading plan with all your criteria for getting into the market, your criteria for getting out of the market and your position sizing and risk management incorporated in the plan.


The first step is to contact the company you are considering using as an administrator. Ask if they have a loan provision.  For what it's worth, I looked at Schwab, and it seems to indicate they do not offer loans against this type of 401(k). That doesn't mean no one does, just that you may need to look around.


You can do that, you aren't missing anything. It is supposed to be punishment, but as you are moving to a European country your non-penalized income would likely be taxed higher as is. I don't have info on whether you will be taxed a second time by the European country.


>When you debate someone, in a forum or somewhere other than your armchair, I suggest you forget about trying to demand a opposite answer from someone as an answer to a question. Its not only childish, its really quite silly  When you post a statement as fact, you might want a single example to back it up, or at least admit you have none. *You* claimed that no empire purchased its own debt. Please back it up or admit you are wrong.  You said, and I quote: >Show me some other great empire in history that managed to purchase its own debt.  You still have not listed an empire that did not purchase it's own debt.


Yah...so the collapse of the housing market wiped out a generation of wealth in this country. Part of that was consumers signing onto toxic mortgages. The other part were banks willfully mischaracterizing toxic assets. So I get the argument we need less regulation , but your asshole cronies also were a huge part of why so many people lost everything. Now, because of a generational loss of wealth, student loan debt, and stagnant income, our society is forever changed. The gap between the rich and poor isn't sustainable. Now maybe regulation is part of why we haven't built pieces back. However, let's not forget that lies by banks were a big reason we are here. Most people have less than 1000 in savings and many, many people have lost all the equity in their home. Then, hedge funds bought up tons of real estate for dirt cheap and now charges rent. So, for most Americans, rentals and perpetual debt are the norm. So..i get it. We need smart regulation, but this asshat doesn't know what it's like for most of America. His industry keeps the economy going, but also fucked it beyond recognition.


Nothing at the moment.  The last moron did a great deal of damage as he and his economic advisers came up with Zero Interest Rate Policy which amounts to monetary heroin addiction. The out of control equity inflation we see in the stock market is merely a symptom of the monumental destruction quietly and insidiously brought on by the heroin addiction.  Trump is merely the patsy and he knows it.   So he lies to the addicts just like they want him to.


Answer all of their questions honestly and as accurately as you can, but don't stress too much about it.  If you don't know the answer to something, ask the insurance agent what it means; that's what they're there for.  (If you're doing this online, email the support, or the 'live chat' feature many of them have.  Or, don't do it online, if you feel better having an agent in person; nowadays, most of the major insurers are similar on price so it's not a massive savings to skip the agent.) As far as whether it's important to pick a specific insurer - that's really your call.  Read reviews, understanding that folks with bad experiences are more likely to write reviews than the 90% of folks who get no benefit from homeowner's insurance. You need to make the decision as to how important reputation and ease of claims process is versus price. That's why there are multiple insurers, after all - you can decide how important it is to you. It sounds like you would prefer a simpler claims process, so perhaps you should go with someone who is known for an easier claims process (understanding that no insurer is always going to agree with every claimant 100%).


Wesley Crusher <cmdr.wes.crusher@gmail.com> 6:55 PM (2 minutes ago)  to billg, david.gruber, steve, kline, Satya, solidwhiterook  Your failure to respond is an act of war against the federation.  https://www.reddit.com/r/business/comments/6gopwy/100bn_challenge/  Good luck with the DDOS attack I just launched against NickServ.


The name as it indicates is a company which helps companies to find appropriate applicants for the position of executives. Every year there are numerous specifications for executives, in various companies. But the process of choosing becomes more difficult if the company straight tries to search for applicants through a standard marketing method.


"You can't short a stock unless there is someone willing and able to ""lend"" shares to you. And there are several reasons why that might not be the case. First, BSFT is a ""new"" stock, which means that NO ONE has held it very long. It's much easier to short IBM or Exxon Mobil, where there are some long-term holders who would like to earn a little extra money lending you THEIR shares. But if ""everyone"" involved is busy buying or selling the stock, there won't be many people to lend it. That's not manipulation, that's just the market. Another reason may be a large ""short"" interest. That is many OTHERS have shorted it before you. That's dangerous for you, because if some lenders want to pull their shares off the market, they can cause a ""short squeeze"" that will drive the price much higher.  And stock shortages can be orchestrated by the company or large investors to artificially drive the price higher. Unless you have a lot of experience, don't try shorting small cap stocks. Try to gain some experience with large caps like IBM or Exxon Mobil first. Those are stocks that people at least can't ""play games"" with. YOu will win or lose based on the market itself."