"Yes...yes you fucking are. ""I want you do do something for me so I can earn a living. But I in no way am willing to help you afford even a basic living. Infact, I only want to take on people who are currently accruing massive amounts of student debt. You know, as a supplement to their other non-existent income."" You realize how fucked up that is right?  I, coming from a privileged upbringing, had no trouble affording university. As a result I was able to focus solely on my studies when necessary. But, I am not the norm. I had plenty of classmates who were frequently cutting out study and sleep to work part time jobs for shithead employers who couldn't give a damn about their living conditions. As a result, they are the ones who's grades suffered. They are the ones who lost sleep. They are the ones who when they graduate at the bottom of the class and can't get a job are told by the shithead employers ""hey, maybe you should've worked harder in school"" and are then stuck in the same shit a cycle they were faced with before they started university. Only this time they are carrying some really unforgiving debt while consistently and constantly being told to pick themselves up by the boot straps and ""just earn more money!"""


You had excellent point how **costs of production** can affect price. Final_J explained already how value differs from this. It's good to remember that cost, price and value are separate things. Usually cost < price < value for trade to happen. Money is the best metrics we have, but it doesn't give really good picture of neither, costs or value.  I really kept myself as a smart dude about a year ago, for understanding what you just told us here. I like the way you think.


"If they have been seeing declining customer traffic, they can't get the revenue to pay things like payroll, utilities, taxes, etc.   So they might only be open those hours because anything longer they can't afford to.  You need like a community marketing blast to reach people like yourself that want to ""save"" it by going there and being paying customers.   It wont matter who runs it if no one shows up."


"This is the best tl;dr I could make, [original](http://www.reuters.com/article/us-usa-stocks-weekahead-idUSKCN1AY25X) reduced by 86%. (I'm a bot) ***** > Such a decline may be good news for investors worried that stock prices have risen too far.  > The expected earnings in that valuation are adjusted, not GAAP. To the extent that companies use non-GAAP accounting less this year than in recent years, investors may feel more comfortable paying higher valuations for their stocks.  > Still, that 10-percent difference between GAAP net income and the net income companies and many investors focus on is much smaller than in 2015, when the difference was 33 percent, the largest gap since at least 2009.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6up3p2/shift_from_nongaap_bottom_lines_could_be_good_for/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~194462 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **company**^#1 **Investors**^#2 **GAAP**^#3 **more**^#4 **income**^#5"


This has nothing to due with class warfare and you'd have to be a complete fucking moron to infer that what works for a family has any correlation as to how a country can operate financially.  It's about making long-term financial decisions to try and increase your quality of life.  If you take your blinders off, you'll realize that multi-generational households are a common phenomenon worldwide.  It has gone through waves of popularity throughout U.S. history as well, usually with immigrants.  The Italian side of my family did it back when they immigrated and it's becoming a trend yet again.  **Families that are experienced with poverty know it's the best way to survive - that's the only statement I made.**   I stayed with my parents until this year (age 28) and left against their advice.  They wanted me to stay longer and save as much as I could before leaving, but I felt it was time to leave. I have a stable job (self-employed), I downsized my car for financial purposes, and have paid off all of my debt before purchasing my apartment.  It would have taken me much longer to save enough money to be a homeowner if I didn't depend on my family.  I'm glad you hate people for making smart financial decisions.  It really shows the type of person you are.


Labor union membership has been falling dramaticaly since 2008 in Germany.  Largely because the unions have continuously negotiated for job security at the expense of wage increases. Now workers are telling the unions to shove it and getting higher wages.


I've got an idea on this.  I could be totally off base, but it's worth mentioning.    When the economy collapsed a few years ago and people lost their savings, retirement, etc... that was the best time to buy.  Doesn't it make sense that the people who had the money to invest then would be reaping the greatest increases now when the market's back up?


I don't have a business relationship with Hire.Bid, I just use it to get extra money whenever I am free, so I thought I could share it in the case someone else is interested. If you know any other app like this, feel free to share it, maybe I can use it too.  For GiftBac, I wanted to find out if anyone used it before and let me know if it is trustable. About PinkApp, I wanted to know people's thoughts about it to see if it was worth investing in. For now, I am looking for more ways to make money.


Rules appear to be changing (21NOV2014) Aviva Plc. AV on NYSE pass thru fee is 0.02 cents per ADR but that equals 11% deduction from ADR dividend. For utility or insurance stock that is significant ongoing fee. Registrar in US is Citibank, could be specific to them. This is the first for me except some modest fees on indonesian ADR. Information very difficult to find. Buy and hold OZ investor.


The easiest one to explain is swapping a variable interest rate with a fixed interest rate.  Now like your 5.  You are a being bullied on a playground, and the most important thing for you is to buy lunch!  You have a bully on the playground who asks for money randomly, he's variable.  It depends on how much sleep he got last night, and what he ate for breakfast, but by dealing with him he has a large amount of 'market risk'.    You always try to bring enough money so you can pay the bully and still eat lunch.  But this isn't an ideal situation...it's too sporadic.  Instead you have an agreement with a 'mafia' like bully.  He agrees to deal with the 'variable' bully, at a flat rate.  So now you can plan ahead, and you now always have money for lunch.  (The mafia bully still would owe the money to the variable bully, because in real life these would be banks)  That's the deal.  You are mitigating your risk from switching from variable to fixed.    This example is extremely simple, but the idea is, you can remove variable risk by using a 'swap' for a fixed rate.


You're going to want to work with a collection agency or law firm that specializes in collections. They'll buy the debt from you for something like 10-25% depending on the state and whether they are interested in something this small. People who don't pay rent and get wages garnished for $6k are a bad risk. They'll discount the judgement significantly since the risk of bankruptcy is probably pretty high.


"I find it weird that the people screaming about the budget deficit are also screaming about this ""taxmageddon"" starting on January 1st. I for one think the reduction in spending and the increase in taxes is a sensible, smart decision to get the deficit under control."


Krijg oven gedroogd haardhout dat gemakkelijk te stoken en maakt minder rook. Kies uit grote verscheidenheid aan brandhout op basis van uw verbruik . Er is een andere variëteit voor kachels , haarden en andere dagelijkse activiteiten . De meegeleverde hout is duurzaam , meer hout wordt herplant . Oven -dried brandhout is voordeliger dan kunstmatig gedroogd zoals zij heeft 20 % minder vochtgehalte dat maakt het gemakkelijk aan te steken , boiler klaar en produceert minder rook.


If it changes, should get new bids. That will prevent making stupid irrelevant changes. Leaving a contract open ended so contractors can come back for more money over and over and over just isn't smart and is an open call for corruption.


"I don't have a formula for anything like this, but it is important to note that the ""current value"" of any asset is really theoretical until you actually sell it. For example, let's consider a house.  You can get an appraisal done on your house, where your home is inspected, and the sales of similar houses in your area are compared.  However, this value is only theoretical.  If you found yourself in a situation where you absolutely had to sell your house in one week, you would most likely have to settle for much less than the appraised value. The same hold true for collectibles.  If I have something rare that I need cash for immediately, I can take it to a pawn shop and get cash.  However, if I take my time and locate a genuinely interested collector, I can get more for it. This is comparable to someone who holds a significant percentage of shares in a publicly held corporation.  If the current market value of your shares is $10 million, but you absolutely need to sell your entire stake today, you aren't going to get $10 million.  But if you take your time selling a little at a time, you are more likely to get much closer to this $10 million number. A ""motivated seller"" means that the price will drop."


"Life Insurance can be a difficult decision.  We have to first assess the ""want"" for it vs. the ""need"" for it, and that differs from person to person.  Any Life licensed agent should be happy to do this calculation for you at no cost and no obligation.  Just be sure you are well educated in the subject to make sure they are looking after YOUR needs and not their wallets. For the majority of clients, when looking at ""needs"" we will be sure to look at income coverage (less what the household needs with one less body) as well as debt coverage, education costs etc.  More importantly make sure you are buying the RIGHT insurance, as much as the right amount."


>God you suck  Well maybe.  But the point stands; there is an optimum price point which would maximize profits.  It's possible that lowering price could make more money as people would switch from analogs or not buying the drug at all.  Note I don't necessarily agree with any of this; we need more competition in the drug market through patent reform and other measures.


Solamon Energy Canada Launches Informative New Website Posted in Renewable Energy Company (Toronto – Posted March 9, 2010) – “Happy days ahead,” exclaimed Chris Black, president of Solamon Energy Corp., as the company published and proudly unveiled a new website to its senior team and to the world today. “We intended the site to simply communicate our offering and the progress of each project for our customers [...] Continue Reading Solamon Energy Canada Launches Informative New Website  SOLAMON ENERGY SCAM SAFETY NEWS-... 1 1 4ppl.com [solamon energy news articles solamon energy renewable energy scam safety news] – il y a 3 mois Solamon announces new executive appointments as company sets new focus. (Toronto) – After completing an exhaustive executive search throughout the summer months, Solamon Energy’s CEO Graeme Boyce is proud to announce today the appointment of Nicolas Del Valle to a position on the senior team as Senior Vice President, and also the promotion of Christian Giles to SVP. “We are leaving the development of the Dominican Republic’s solar market in the very capable hands of Mr Del Valle,” says Boyce, “and, based on our discoveries since May, we’ve shifted Mr Giles to Institutions, where he will deliver non-manufacturing facilities, from airports and arenas to hospitals and universities.”


"> Yet, I have failed too see one mention of the ""Chargemaster"".  Totally agree but that is another topic.  Obamacare is about fixing access to healthcare.  As a society we still need to address the cost of care and the quality of care."


"Moneydance is a commercial application that is cross-platform. Written in Java, they run and are supported on Windows, Mac and Linux. They integrate with many financial institutions and for those that it cannot, you can import a locally downloaded file. I have used it for several years on my Mac, but have no company affiliation. I'm not sure if by saying ""Unix"" software you meant FOSS of some kind, but good luck in any case."


Depends on what you're selling and to whom?    If you want attention you need to win over the gatekeeper.  I remember a colleague who would always drop off nice chocolates (in person) to the receptionists and support staff on a regular basis for clients they were interested in (they sold financial products to the C-suite).   It worked wonders on getting in person meetings with the decision makers.  It also helped that the colleague was genuine and pleasant to deal with.


As your main concern seems to be that you are not sure whether you can ever get a house, and actually support the expenses it incurs when you have one, here is a very simple answer:  You say you are currently decreasing your creditcard debt by 2k per month. At that rate it will be finished within 2 years. Try to pay it off completely, if this succeeds in the next 2 years you can be confident that you can afford a 500k house. (Paying back 50k high interest debt in 2 years, is VERY roughly equivalent to payng back 500k low interest debt over 20 years , a reasonable time period in my environment). So, just pay back the creditcard as fast as you can, if two years sounds like a long time there is nothing stopping you to pay it back a little bit faster even!  Note: This is written under the assumption that your student loan burden will not increase over time.


You might consider a Green Dot card. You can personalize the name on the card. There is no risk of over-drafting. There are some fees when you fill the card in stores, but it is free to open and manage online. Check out their site and see if it will work for you. It could be a great pair with a joint bank account for you and your kids. https://www.greendot.com/greendot/ Rock on for teaching personal finance and responsibility to your kids!


"Early this year I wrote an article Are you 401(k)o’ed?  I described the data from a 401(k) expense survey and the punchline was that the average large retirement plan (over 1000 participants) expense was 1.08%, and for smaller plans it rose to 1.24%.  As I commented below, if one's goal is to make deposits with income that avoid a tax of 25%, and hope to withdraw it at retirement at 15%, it doesn't take long for a 1% fee to completely negate the benefit of pretax savings.  These numbers are averages, in the same article, I mention (ok, I brag) that my company plan has an S&P fund that costs .05%. That's 1% over 20 years.  The sound bite of ""deposit to the match"" needs to be followed by ""depending on the choice of investments and their expenses"" within the 401(k).  Every answer here has added excellent points, fennec's last sentence shouldn't be ignored, there's a phaseout for IRA deductibility, and another for Roth eligibility. For Married filing joint, IRA deduction starts to be lost at $92K, and Roth deposit disallowed at $173K. This adds a bit to the complexity of the decision, but doesn't change the implication of the 1%+ 401(k) fees."


Debit card, no. Prepaid card, probably; some charities do use that approach to make monthly support payments, including to the homeless. You might want to find and talk to one of those groups to find out how they did it.


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Probably the biggest tax-deferment available to US workers is through employee-sponsored investment plans like the 401k.  If you meet the income limits, you could also use a Traditional IRA if you do not have a 401k at work.  But keep in mind that you are really just deferring taxes here.  The US Government will eventually get their due. :) One way which you may find interesting is by using 529 plans, or other college investment plans, to save for your child's (or your) college expenses.  Generally, contributions up to a certain amount are deductible on your state taxes, and are exempt from Federal and State taxes when used for qualifying education expenses.  The state deduction can lower your taxes and help you save for college for your children, if that is a desire of yours.


Go to your local credit union and open an account there! Why do people put up with banks? Big banks are for business not for regular folks, they will nickel and dime you all the time, and that's the honest ones, the scum like WF will just trash you.


Seriously. I was there last week, and could not get help from anyone at the sporting goods department.  All the people assigned were missing. It took me several tries to get the department manager to come over.  Once the manager arrived, all of a sudden all the workers showed up out of thin air.  Of course, I was annoyed by the time it them to finally help me.  Maybe this was an isolated case, but it sure didn't feel like they cared about my business.


I drove myself into serious debt until a friend persuaded me to start budgeting and told me about Out Of The Dark Budgeting.  This free budgeting site made a huge difference for me because it made money management so simple for me and it provides many good suggestions and advice.  I particularly like the cash put aside feature and credit card debt terminator both of which helped me move from bad spending habits to responsible money management so now I waste less and have more for what I really need and love, and most importantly, I am on my way to being debt free, a very powerful feeling already.  Good luck.


I will just try to come up with a totally made up example, that should explain the dynamics of the hedge. Consider this (completely made up) relationship between USD, EUR and Gold: Now lets say you are a european wanting to by 20 grams of Gold with EUR. Equally lets say some american by 20 grams of Gold with USD. Their investment will have the following values: See how the europeans return is -15.0% while the american only has a -9.4% return? Now lets consider that the european are aware that his currency may be against him with this investment, so he decides to hedge his currency. He now enters a currency-swap contract with another person who has the opposite view, locking in his EUR/USD at t2 to be the same as at t0. He now goes ahead and buys gold in USD, knowing that he needs to convert it to EUR in the end - but he has fixed his interestrate, so that doesn't worry him. Now let's take a look at the investment: See how the european now suddenly has the same return as the American of -9.4% instead of -15.0% ? It is hard in real life to create a perfect hedge, therefore you will most often see that the are not totally the same, as per Victors answer - but they do come rather close.


"The crazy thing about this is that $30 million in annual salary and compensation really isn't the end of the story for rich guys.  I worked for a REIT a few years back and the guy that founded that REIT made a few million in salary a year.  I thought the number seemed a bit low for his lifestyle.  He had many properties in the US for his own personal use (around 6-8 BIG homes).  He also had a garage that was insane.  He had over 25 very expensive cars.  My co-workers would say ""Nick is airing out his garage"" when he drove one to work every day for a month without driving the same vehicle twice in one month.  It turns out he owned 30 million shares of stock that paid him $1.00 per share per year.  So while his annual compensation was ""only"" a few million per year, his dividend income was many, many, times that.  Think about that next time you see a CEO's annual income and you think that it really isn't as much as you expect."


Our consultant driven economy has removed all robustness from the economy.  Their drive for efficiency has produced an incredibly fragile economy.  Corporations are not suppose to retain any redundancy.  They force this on subcontractors.  As a result there are no trained and ready workers to step in as boomers retire.  The tendency to rely on H-1B has caused young workers to avoid any field where they are likely to be replaced by foreign workers.  Now that foreign workers are finding things better at home we have giant holes in the economy.


In such a situation, is there any reason, financial or not, to NOT pay   as many points as mortgage seller allows? I can think of a few reasons not to buy points, in the scenario you described: If interest rates decrease you could be better off refinancing to a lower rate than buying points now. If buying points reduced your down payment below 20% then the PMI would more than offset the benefit of having purchased points. Your situation changes and you aren't able to stay in the home as long as planned.  That said, current interest rates are pretty low, so I'd probably gamble on them not getting too much lower anytime soon. I also assume that if you can afford as many points as they allow, that you wouldn't have to dip below 20% down payment even with points. Edit: Others have mentioned that it's important to note opportunity cost when calculating the benefit of purchasing points, I agree, you wouldn't want to buy points at a rate that saved you less than you could earn elsewhere. Personally, I've not seen a points scenario that didn't yield more benefit than market average returns, but that could be due to my market, or just coincidence, you should definitely calculate the benefit for your scenario and shop for a good lender. Don't forget that points are tax deductible in the year paid when calculating their benefit.


"As the comments above have been trying to get across, the prospective employer is offering to pay you for the bonus/unvested compensation that you would be losing by jumping ship right now to go work for them.  They are not offering to buy any securities that you already hold, regardless of whether they're profitable or unprofitable. Example 1. You participate in your current company's 401(k), and your company matches your contributions at 50%.  However, the matching funds are not yours immediately; they vest in 20%/year increments until you have been at the company for 5 years.  Let's say you've been there for 3 years and have contributed $50K to the plan.  Your company has matched you at $25K, but only 60% of that ($15K) has vested.  If you leave right now for the new employer, you're leaving $10K behind.  So the new employer might offer to ""buy out"" (i.e. pay you) that $10K to help encourage you to switch now.  You might then counter their offer by pointing out that if you stay where you are that $10K is coming to you tax-deferred, whereas their $10K signing bonus would be taxed.  So you ask for $15K instead. Example 2. You work for a Wall Street investment bank.  Each December you receive a performance bonus.  Since you began working there, your three yearly bonuses have been (in chronological order) $500K, $750K, and $1M.  It's June, so you've worked halfway towards your next bonus.  You have a lot of incentive to NOT leave your current employer.  A competing employer may offer to ""buy you out"" of your anticipated bonus by giving you a $1.25M signing bonus (since you'd almost certainly not be eligible for a performance bonus during your first year there).  You might negotiate with them and say ""I'm on track for $2M this year"", and then they would figure out if you're really worth that much to them. So you can see this all has to do with the prospective employer trying to compensate you for any income you're already counting on receiving from your current employer.  By jumping ship now you would be foregoing that guaranteed/expected income, so the competitor wants to remove that anchor that might be holding you back from making the move. Stocks/options that you already own are irrelevant to the prospective employer.  Since you wouldn't be giving those up by changing jobs, there's no reason for them to factor into the equation."


Two to three years? That is one long gestation period!  :^) Welcome.  Congratulations on taking savings into your own hands, you are a winner for taking responsibility for your, and your family's life. If I was you my first priority would be to pay off your car and never buy one on time again.  Or you could sell it and buy something with cash if that would be easier. It is tremendous that you are thinking and planning.  You are already ahead of most people.  Are you working on your basement as you have time/money like when work might be slow?  If so great idea.


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Mark Zuckerberg doesn't seem to think we can or should isolate and alienate 50% of the population because of their support of a political candidate, which I, the author, and Hastings seem to share a criticism of. Zuckerberg misses the point. Support of Trump has always been unpalatable to most on the left but now it's unforgivable. Pressure from all sides to erode his support is exactly what we should be doing; Facebook is one of the most powerful tools available in this effort.


"Because you've sold something you've received cash (or at least an entry on your brokerage statement to say you've got cash) so you should record that as a credit in your brokerage account in GnuCash. The other side of the entry should go into another account that you create called something like ""Open Positions"" and is usually marked as a Liability account type (if you need to mark it as such). If you want to keep an accurate daily tally of your net worth you can add a new entry to your Open Positions account and offset that against Income which will be either negative or positive depending on how the position has moved for/against you. You can also do this at a lower frequency or not at all and just put an entry in when your position closes out because you bought it back or it expired or it was exercised. My preferred method is to have a single entry in the Open Positions account with an arbitrary date near when I expect it to be closed and each time I edit that value (daily or weekly) so I only have the initial entry and the current adjust to look at which reduces the number of entries and confusion if there are too many."


What is your focus in your finance coursework? Investments? Wealth management? Corporate finance?  Find something that compliments your desired path. Finance in-and-of itself is one of the most marketable business degrees available (if not THE most), and anything to show you're well-rounded will help get a job.   Don't add real estate as a minor. Most school teach across a $eme$ter what you can learn in a month or two when studying to get your RE license. So, pay thousands of tuition dollar$, or pay the several hundred bucks for your test/course materials.   Experience: finance degree, now a commercial real estate broker


Was already priced in. The market is smarter than ratings agencies that are fighting to stay relevant by trying to instill crisis mode on a global economy that is already very fragile. Their only announcements nowadays are on companies/nations that are on the front page of the global newswire. Almost seems like they want the global economy to tank on their information and ratings cuts.  Too bad nobody really cares about the agencies anymore.


"Navy is probably your best bet for your first ""business"" suit. Dark grey is also an acceptable choice. Black is mostly for formal occasions. Light gray is a little sporty.    Suit prices will vary. The most important thing is getting it tailored. A $200 suit that fits you well will look FAR better than as $2000 suit that fits like shit.   I'm going to disagree with vodkaspeed on getting a BB suit tho. While I fully support investing in your appearance, I just don't think it makes sense to buy an expensive suit unless you'll be wearing it for work. If it's only for interviews and every now and then, I'd just get something at men's Warehouse or the likes for around $300 or so. Instead spend your money on what you'll be wearing once you get the job: dress shirts, pants, AE shoes, etc.  For reference a I have a BB suit, but never wear it. Dress shirt and pants is my dress code, and I've splurged on those items and good shoes. The suit sits wasted in the closet."


"The bottom line is that this just does not work, and as such you should not do it.  Here is a question that you really need to think about:  How will you handle non-payments?  How will you handle it when they talk about purchases they made or vacations they went on when they have been short for the last three months?  Yes, it will happen. The majority of people who engage in debt consolidation, which you are proposing, end up with the consolidated debt and more consumer debt.  One cannot borrow themselves out of debt.  Carrying credit card debt is a sign of poor money management and improper spending behavior.  That behavior will not change if you ""bail them out"" with the consolidation.  They need to find a way to work their way out of this situation by budgeting, living a more austere lifestyle, and earning more.   Encouraging them to do so will serve them far better then your generous attempts to reduce the pain of their own making. In the end it is always a parent's desire to help their children.  If you can afford to give, then it is well within your right to do so.  It is also within your right to qualify that giving with behavioral conditions.  However, if you cannot afford to give, it is best not to loan."


"We blindly sped ahead, and our cash demand ballooned, he said. ""We got over-extended in our global strategy. At the same time, our capital and resources were in fact limited.""  Translation: We tried to do shit in hindsight we totally should have known we couldn't afford."


"I live in Boston so I look at boston.com quite a bit.  In general, boston.com is pretty terrible.  Even for local news it is often pretty shitty.  Given that, boston.com doesn't try to game the system to garner additional page hits from reddit.  Browsing through the articles on The Atlantic it looks like they have lots of sensationalist bullshit written like something right off blogspot or Fox News.  ""Is Obama Really That Great of a Foreign Policy President?""  ""Is This Obama's 'Put Up or Shut Up' Moment on Syria Intervention?""  ""Is the International Criminal Court Facing Its 'Black Hawk Down' Moment?""  I can't say I miss seeing sensational crap from them.  If this is your idea of a quality content you might not have a leg to stand on when guessing my experiences."


Eh idk, I was basically un-hirable until I took a job that paid like shit but provided me with experience so when I left I was way more valuable than if I hadn't worked. I was basically compensated in experience and left to get a job that doubled my salary.


"This is the best tl;dr I could make, [original](http://www.dnsassociates.co.uk/blog/bitcoins-tax-implications-uk) reduced by 92%. (I'm a bot) ***** > Tax practices of bitcoin activities in UK The HMRC guidelines on the tax treatment of transactions relating to the sale or use of bitcoins and other similar cryptocurrencies are applicable for bitcoin.  > Different taxes and their activities concerning bitcoins In the case of activities concerning bitcoins and other cryptocurrencies, the taxes like income tax, corporation tax and capital gains tax transactions will hinge on the very activities taking place and the parties involved, in the similar way as transactions involving a normal currency, such as sterling, are decided.  > No special instructions are there for income tax, corporation tax and capital gain tax for the transactions relating to bitcoins.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/72z5sg/bitcoin_tax_in_the_uk_explained/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~218069 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **bitcoin**^#1 **tax**^#2 **activity**^#3 **currency**^#4 **transaction**^#5"


it will be far reaching. China sustains commodity levels, if China collapses it will take alongside the BRICs along with Australia and its neighbors both in South Asia and Central Asia. If China decides to sell its American bonds, it will affect America's debt issuing machine.


I would do a Roth Conversion and put it at the same place where the rest of your Roth funds are before withdrawing it.


"I'm not convinced this is completely possible without additional data.  I'm categorizing my purchases now, and I keep running into things like ""was this hardware store purchase for home repair, hobby tools and supplies, cookware, ..."" Ditto for department stores, ditto for cash purchases which appear only as an ATM withdrawal. Sometimes I remember, sometimes I guess, sometimes I just give up. In the end, this budget tracking isn't critical for me so that's good enough. If you really want accuracy, though, I think you are stuck with keeping all your receipts, of taking notes, so you can resolve these gaps."


"This is the best tl;dr I could make, [original](http://reneweconomy.com.au/us-solar-plant-costs-fall-another-30-per-cent-just-one-year-49419/) reduced by 70%. (I'm a bot) ***** > U.S. Solar Photovoltaic System Cost Benchmark: Q1 2017 shows PV system prices falling roughly 30 per cent in only one year for utility-scale solar, to an average price of $1.03 per watt-DC for fixed-tilt systems and $1.11 per watt for systems with tracking.  > NREL has estimated that this translates to levelized costs of electricity from $50-66 per megawatt-hour for fixed tilt systems and $44-$61/MWh for tracking systems, excluding the effect of the U.S. federal Investment Tax Credit.  > NREL found that prices for commercial and industrial systems fell a still-impressive 15% over the last year to an average of $1.85 per watt-DC, while prices for residential systems fell only 6% to $2.80 per watt.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/717qx9/us_solar_plant_costs_fall_another_30_per_cent_in/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~213287 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **System**^#1 **price**^#2 **Cost**^#3 **solar**^#4 **U.S.**^#5"


An aim of the government to fetch out all the illegal financial dealings which has been deleted or de-activated more than 11.44 lakh permanent account numbers (PANs) as of 27th of July in cases where multiple numbers were found allotted to one person.


So an investor would get their principal back in interest payments after 13.5 years if things remained stable, not accounting for discounting future cash flows/any return for the risk they are taking.  The long maturity helps insurance companies and pensions properly match the duration of their liabilities. Still doesn't seem like a good bet, but it makes sense that it happened.


> Please read the other comments about   That's all very well, and I **did** read the article - thank you very much for your suggestion; but my comment was not related to the other comments, it was a reply to a specific comment about smaller businesses being more responsive to customer complaints than smaller ones, something that I have not found to be true.  In fact, it is often quite the opposite.  Perhaps in your neck of the woods, small businesses are always polite and perfect, and never require your time.  My opinion is different.  For example, if a small business makes a mistake, then I definitely need to take time off work to try to fix it; possibly, I'll need to even personally go in.  On the other hand, my large banks have people available nights and weekends, making it easier.


i mean, what equipment are you looking at? have you approached professionals in the field to borrow/accompany them? schools/universities? can you get by with sub-par or cheap-er equipment? can you pick up a part time job to start accumulating some of this equipment? have you checked around with any government organizations which do this type of work?


Well, if the bond notes are the only currency around, then the electric company will have to choose from at least one of the money supplies to accept as payment; bonds will be the cash.  Whichever firm they choose will just see their money demand go up.    Second, It will most likely be implied that those people choosing to go into a certain money supply will want to look for a produced good or service in the economy from that firm before taking on it's notes.  If the supply has too much inflation for everyone, than they can all move to another one that ensures their capital value.    The idea of these systems is also to facilitate productive decision making, which is one of the things are education system should do more of these days.  This will be more possible when Government is more limited to and more focused on the role of researcher and developer.


>any good investment takes time  Yea first you have to borrow millions of dollars, stash it away/buy recurring income assets, and wait long enough to declare bankruptcy so that you don't go to jail for fraud. He specifically calls bankruptcy a tool in the book, and he obviously used it after spending borrowed money on income-earning assets. You can say that's smart. I say it's illegal.


I don't see why though. I don't eat fast food very often, but the one by me is always packed. So I decide to try it. The fries were soggy and the sandwich was worse. A year or so later I decide to give them another shot. Same thing. I don't get it. The frozen lemonade thing was excellent though.


"Publicly traded companies files 10-Ks with the SEC, searchable on the EDGAR system.  If you want basic financial statement info then look for 10-Ks that are marked ""Interactive Data"", as for those the SEC has  broken everything out by statement into standard formats.  You could also use marketwatch which puts everything in financial statements into the same or as similar of categories as it can to make it easier to compare companies."


That kind of waiting experience is common. Admissions decisions, medical test results, job applications—all involve some period of time where you have to wait to get news, but there is little or nothing you can do to affect the outcome of the decision.


"zPesk has a great answer about dividends generally, but to answer your question specifically about yield traps, here are a few things that I look for: As with everything, if it looks too good to be true, it probably is.  A 17% yield is pretty out of this world, even for a REIT.  And I wouldn't bet on it holding up.  Compare a company's yield to that of others in the same industry (different industries have different ""standards"" for what is considered a high or low yield) Dividends have to come from somewhere, and that somewhere is cash flow.  Look at the company's financial statements.  Do they have sufficient cash flow to pay the dividend?  Have there been any recent changes in their cash flow situation?  How are earnings holding up?  Debt levels? Cash on hand? Sudden moves in stock price.  A sudden drop in the stock price will cause the yield to rise.  Sometimes this indicates a bargain, but if the drop is due to a real worry about the company's financial health (see #2) it's probably an indication that a dividend cut is coming. What does their dividend history look like?  Do they have a consistent track record of paying out good dividends for years and years?  Companies with a track record of paying dividends consistently and/or increasing their dividend regularly are likely to continue to do so."


Man, that's some really important stuff when it comes to filling out a TPS report.  Which, BTW, now have a cover sheet.  Did you see the memo on the cover sheets for TPS reports?  I'll make sure you get another copy of that memo.


Tell you what, I live in Norway.  Everyone can look up at least the declared taxable income of everybody, including his coworkers, his boss, the CEO, the Bishop, the cleaning lady etc..  Same in Switzerland as far as I know.  Sweden maybe as well, don't know.    No increased levels of bitterness around here.  Rather high salaries though, but that's probably more related to being a very rich country.  (I personally don't even care enough to look but then I'm in a rather individual payment structure.)


The best ask is the lowest ask, and the best bid is the highest bid.  If the ask was lower than the bid then they crossed, and that would be a crossed market and quickly resolved. So the bid will almost always be cheaper than the ask. A heuristic is that a bid is the revenue of the stock at any given time while the ask is the cost, so the market will only ever offer a profit to itself not to the liquidity seeker. If examining the book vertically, all orders are usually sorted descending. Since the best ask is the lowest ask, it is on the bottom of the asks, and vice versa for the best bid. The best bid & best ask will be those closest since that's the narrowest spread and price-time priority will promise that a bid that crosses the asks will hit the lowest ask, the best possible price for the bidder and vice versa for an ask that crosses the best bid.


No problem, glad you responded & I hope it is useful to you. Most of that stuff is actually how upcoming technology will effect dell not so much the economy but some of it goes hand in hand. Best of luck to you on you project. Also, thank you for the thank you.  I've responded to too many posts of people asking for help that never respond to their own posts so kudos to you.


I used to go as a child and I WANT to go back but in good conscience, I can't. :( I WANT to enjoy the shows where wounded or rescued animals that can't be returned to the wild can be shown or emotionally stimulated.   But -- I can't while they have the whales there. :( **I miss you Sea World but I will not go as long as they are there**


I think that some of that might have to do with not being confortable with accepting systems of rules that people just make up and accept.  In the case of relativity, things are based on observation and governed by logic which shouldn't have any contradictions.  To understand the creation/destruction of money, it requires understanding how a set of made up rules were implemented and lead to a state where the rules no longer work or seem to form a contradiction, IMO.  I wouldn't say it's harder to understand than relativity, I would just say that understanding it requires seeing that, unlike physics, not everything was played exactly by the rules.


You have currency risk either way.  The only question is deal with it now or later.  No one can tell you which action is better until we look at it in hindsight.  You could hedge and move some now, some later.  Invest your USD in US equities and move some to EUR and invest that in EUR companies. I'd suggest having your money in the same currency as where you are living, since for the most part, you'll be in the same boat as your peers and neighbors.  If you have high inflation, so will your friends and neighbors and you won't feel so bad.  And if your currency gets stronger, then so will the currency of the people you are hanging out with. It's similar to betting on Don't Pass in craps.  If you bet against the rest of the table, you could win when they lose, but then all your friends will be sad and you'll be happy. And vice versa, when your friends are high-fiving, you'll be in the dumps. I'd say it's better to be in the same boat as your peers since that's usually how we judge our happiness when we compare our situation to others.


I agree to an extent. You make good points.  I'm still not at a state where I would trust our incompetent government to efficiency allocate and run a healthcare system sponsored by taxpayers or users. I assume each European nation has its own plan or system. To extrapolate such over a country with a population and sprawl of the U.S. seems much more difficult.  To be honest, I'm at a loss of how to solve the problem. Fighting the population bubble, global sluggishness, corruption, government waste, and populace inequality has really forced me out of politics.   Sorry for the demoralized response, but I cannot say you are right or wrong at this point. And frankly, I'm starting to realize it doesn't matter.


Yup, there is the temptation to go out to bars etc, but you can always invite people back to your place instead for studying and drinks, if you really need to do that... (oh ya... if your jurisdiction doesn't allow drinking at your age, I guess it won't be an issue, I keep forgetting how it works some other places)


LC Webpros also very famous as a digital marketing agency and the expert digital market researcher of this company are always doing market research and suggest you the best thing for your business investment. If you are looking social media marketing service provider company, then we are the best platform for you. An Active social media presence is kind of like pulling out a business increment at a business meeting and then understanding.


It looks like it has to deal with an expiration of rights as a taxable event. I found this link via google, which states that  Not only does the PSEC shareholder have a TAXABLE EVENT, but he has   TWO taxable events. The net effect of these two taxable events has   DIFFERENT CONSEQUENCES for DIFFERENT SHAREHOLDERS depending upon their   peculiar TAX SITUATIONS. The CORRECT STATEMENT of the tax treatment of unexercised PYLDR rights   is in the N-2 on page 32, which reads in relevant part as follows: “…, if you receive a Subscription Right from PSEC and do not sell or   exercise that right before it expires, you should generally expect to   have (1) taxable dividend income equal to the fair market value (if   any) of the Subscription Right on the date of its distribution by PSEC   to the extent of PSEC’s current and accumulated earnings and profits   and (2) a capital loss upon the expiration of such right in an amount   equal to your adjusted tax basis (if any) in such right (which should   generally equal the fair market value (if any) of the Subscription   Right on the date of its distribution by PSEC).” Please note, for quarterly “estimated taxes” purposes, that the   DIVIDEND taxable events occur “ON THE DATE OF ITS DISTRIBUTION BY PSEC   (my emphasis),” while the CAPITAL LOSS occurs “UPON EXPIRATION OF SUCH   RIGHT” (my emphasis). They do NOT occur on 31 December 2015 or some   other date. However, to my knowledge, neither of the taxable events he mentions would be taxed by 4/15. If you are worried about it, I would recommend seeing a tax professional. Otherwise I'd wait to see the tax forms sent by your brokerage.


"For US stocks it's a bit of a gamble. Many actively managed funds underperform the market indexes, but some of them outperform in many years. With an index you will get average results. With an active manager you ""might"" do better than average. So you can view active management as a higher risk, potentially higher reward investment approach. On the other hand, if you want to diversify some of your investments into international stocks, bonds, junk bonds, and real estate (REITs) active management is highly likely to be better than indexing. For these specialized areas specialized knowledge and research is needed."


Here is a list to Yahoo! Finance API.  Not sure how much longer this will be support though: https://code.google.com/p/yahoo-finance-managed/wiki/YahooFinanceAPIs


There is economic value added to the marketplace, by having many investors trading stocks. The stock market itself can be thought of as a tool which provides additional 'liquidity' to the marketplace. Liquidity is the ease with which you can convert your assets into cash (for example, how quickly could you sell your car if you needed money to pay a medical bill?). Without a stock market, funds would be very illiquid - an investor would likely need to post advertisements to have other people consider buying his/her shares. Until the match between a buyer and seller is found, the person with the shares can't use the cash they need. On the other side of the transaction, are people who have an appetite for risk. This means that, for various reasons, they are willing to take on more risk than you, if it pays off on average (they are young [and have many years of salary earnings in front of them], or they are rich [can afford to lose money sometimes if it pays off on average]). Consider this like a transaction between your insurance broker - you don't want to pay for a new car if you get in an accident, and you're willing to pay total annual premiums that, on average, will cost more than that same car over time. You don't want the risk, but the insurance company does - that's how they make money. So by participating in any marketplace, you are providing value, in the form of liquidity, and by allowing the market to allocate risk to those willing to take it on.


I used to go on recruiting trips when I was in consulting and got a great look at the process and what HR values. Presentation: wear a white shirt with a mild patterned tie (dark blue or dark red with grey are good colors). Prep: Study the company's website and read the first part of their 10-Q financial report. Have a leather portfolio with a pen, notepad for notes, and 10 copies of your resume. Attitude: Show enthusiasm about the company and position. You'll want to have questions for the interviewers, even if you know the answer, and can ask different people the same question. Good luck and have confidence!


"One way to ""get into the real estate market"" is to invest your money in a fund which has its value tied to real estate. For example, a Real Estate Investment Trust. This fund would fluctuate largely inline with the property values in the area(s) where the fund puts its money. This would have a few (significant) changes from 'traditional' real estate investing, including:"


>but taking actions specifically for the purpose of killing off competition is not good because it reduces the pressures on efficiencies.  Only for customers and economy as a whole. Company with monopoly power enjoys monopoly profits.   The business model of  Amazon is pretty clear: Build advantages trough network externalities and large scale. Amazon invests everything into more growth. More revenue and market share means that Amazon can drop it's margins more than competition. That's how Wal-Mart became a giant.   Amazon is internet era logistics and bulk  services company. Whole Foods acquisition is horizontal integration and increases Amazon's economies of scale. Everything will connect  together in distribution network level. http://www.businessinsider.com/amazons-earnings-highlight-expanding-logistics-network-2017-2?utm_source=markets&utm_medium=ingest&r=US&IR=T&IR=T  Amazon is building barriers to entry as fast as it can using:   - demonstration pricing: dropping price very low in a ‘demonstration’ of power and to put pressure on existing or potential rivals. - limit pricing:  setting a price just below the average cost of new entrants  - high set-up costs - exclusive contracts - vertical integration  - horizontal integration


I could argue Amazon. And Facebook the other way.  Before the down-vote brigade appears, I'll just say I said I could *argue* those points. Also, I haven't done valuation in years, and definitely not for tech because while I am a big techie, the industry itself seems likes a clown lottery with respect to valuation.


It would be wise for company owners or employers to have their employees train on health and safety practices especially if their job involves some risks. The training will not only prepare them in case of accidents but will also boost their confidence in doing their tasks.


Firstly, it should be noted that the period of the investment is  all of the years 2007 to 2017 inclusive. This totals (temporarily removing one shoe and sock to extend counting range) 11 years!  Not the 9 of the OP and the accepted answer... Secondly, there are various definitions of average rate of return.  One would be : What constant annual rate of return, compounded annually, will yield   the same result as the given investment? Unfortunately, this results in an equation that cannot be solved by ordinary algebraic methods.  If r is the desired annual rate, then the equation is: (1+r)^11 * 10000 = 14567 Using logarithms: log(1 + r) = log(1.4567)/11 r = 3.4789%


These days there are a lot of solutions which allow you to hire a car on the Internet itself. One of the major benefits of booking on the internet rental-car solutions is that you will preserve a fortune and ensure that things are effectively structured, thus saving sufficient time as well. We provide the Car rental services at a cheap price in the whole world. The best way to reduce costs and plan for local transportation when you are on a vacation is to book your car.


"Is this legal? Why not? But you might have trouble deducting losses on your taxes, especially if you sell to someone related to you in some way (which is indeed what you're doing). See the added portion below regarding dealing with ""related person"" (which a sibling is). The state of Maryland has a transfer/recordation tax of 1.5% for each, the buyer and seller. Would this be computed on the appraised or sale value? You should check with the State. In California property taxes are assessed based on sale value, but if the sale value is bogus the assessors have the right to recalculate. Since you're selling to family, the assessors will likely to intervene and set a more close to ""fair market"" value on the transaction, but again - check the local law. Will this pose any problem if the buyer needs financing? Likely, banks will be suspicious.Since you're giving a discount to your sibling, it will likely not cause a problem for financing. If it was an unrelated person getting such a discount, it would likely to have raised some questions. Would I be able to deduct a capital loss on my tax return? As I said - it may be a problem. If the transaction is between related people - likely not. Otherwise - not sure. Check with a professional tax adviser (EA or CPA licensed in Maryland). You mentioned in the comment that the buyer is a sibling. IRS Publication 544 has a list of what is considered ""related person"", and that includes siblings. So the short answer is NO, you will not be able to deduct the loss. The tax treatment is not trivial in this case, and I suggest to have a professional tax adviser guide you on how to proceed. Here's the definition of ""related person"" from the IRS pub. 544: Members of a family, including only brothers, sisters, half-brothers, half-sisters, spouse, ancestors (parents, grandparents,   etc.), and lineal descendants (children, grandchildren, etc.). An individual and a corporation if the individual directly or indirectly owns more than 50% in value of the outstanding stock of the   corporation. Two corporations that are members of the same controlled group as defined in section 267(f) of the Internal Revenue Code. A trust fiduciary and a corporation if the trust or the grantor of the trust directly or indirectly owns more than 50% in value of the   outstanding stock of the corporation. A grantor and fiduciary, and the fiduciary and beneficiary, of any trust. Fiduciaries of two different trusts, and the fiduciary and beneficiary of two different trusts, if the same person is the grantor   of both trusts. A tax-exempt educational or charitable organization and a person who directly or indirectly controls the organization, or a member of   that person's family. A corporation and a partnership if the same persons own more than 50% in value of the outstanding stock of the corporation and more than   50% of the capital interest or profits interest in the partnership. Two S corporations if the same persons own more than 50% in value of the outstanding stock of each corporation. Two corporations, one of which is an S corporation, if the same persons own more than 50% in value of the outstanding stock of each   corporation. An executor and a beneficiary of an estate unless the sale or exchange is in satisfaction of a pecuniary bequest. Two partnerships if the same persons directly or indirectly own more than 50% of the capital interests or profits interests in both   partnerships. A person and a partnership if the person directly or indirectly owns more than 50% of the capital interest or profits interest in the   partnership."


The Direct Selling Association (DSA) is an autonomous and self-regulatory body that deals with the direct selling business organizations.  The Association acts as a bridge between the direct selling industry as well as policy-making bodies of Indian Government. It works for the cause of Direct Selling Industry. The DSA also tries to create a favorable environment for the growth and expansion of direct selling industry.


The answer is very simple. Part of the luxury is having the cutting edge technology with the very latest features. The price premium is not just from increased build quality; it's simply a perception. Additionally, 10 years takes its toll on a car. The smooth suspension gets rougher over time, and all the little features start to break down. Part of the price of that car factors in the expense of expected repairs. That's true of every car, but the repairs are more expensive when there are lots of gadgets to break down, especially on imports.


OK ok. I am going to guess here LIVE and find out about Ms Myers...Did she go to Harvard? Did her parents go to Harvard? Was she connected into her job?  NO! It seems not. Although she graduated in 1999 from Stanford and now is worth $430 million. Not a bad decade and a half!


And the 360 only saw a real jump in 2011 because of the release and initial high sales of the Kinect. They have returned to lagging significantly in 2012. Thanks for the stats, I hadn't seen an aggregate list of sales and market share until now.


"When I was younger I had a problem with Washington Mutual.  Someone had deposited a check in to my account then ran my account negative with a ""dupe"" of my debit card.  WaMu tied up my account for three months while they investigated because it wasn't simply a debit card fraud issue, this was check fraud (so they claimed).  At the time all the money I had in the world was in that account and the ordeal was extremely disruptive to my life.  Since the, I never spend on my debit card(s) and I keep more than one checking account to disperse the risk and avoid disruption in the event anything ever happens again. Now one of the accounts contains just enough money (plus a small buffer) to pay my general monthly expenses and the other is my actual checking account.   There's no harm in having more than one checking account and if you think it will enhance your finances, do it. Though, there's no reason to get a business account unless you've actually formed a business."


Having taxes in USD gives the USD intrinsic value.  The US government already fights any attempt to have the petrodollar undermined (foreign exchanges that trade oil in currency other than USD).  It will have to exactly 0 interest in undermining itself by accepting anything but USD in taxes.


"At least a snake oil seller would admit to being a snake oil salesman eventually.  You're right - they're everywhere.  These people (99% are women) are so earnest, totally humourless and indignant.  I'm disabled so they buzz around me like flies.    Collectively they are so annoying, so misguided but, unlike the snakeoil guys, these people believe it all.  ""Wellness"" gurus, I-can-cure-cancer-eating-salad f-wits and, my personal favourite, the people who blame me for getting (and keeping) my condition that started when I was 12.  It's all my fault.  Sanctimonious hippy arseholes - I know where they should shove their crystals."


Some other unsecured loans that are common:


We recently had a sump pump fail during a rainy weekend. Never had more than an inch or so of water on the floor.  Total cost to remove the water, dry out the basement, and repair the damage to the paneling and wallboard: more than $7,000 plus the new sump pump. We are not in a flood zone.  In a flood zone the cost of the loss could be total. A flood is also the type of hazard that can also destroy the value of land.  No way I would want to self insure for this known hazard.


"This is the best tl;dr I could make, [original](http://www.japantimes.co.jp/opinion/2017/07/10/commentary/world-commentary/trumps-trade-trap/#.WWOdSOmQyUk) reduced by 88%. (I'm a bot) ***** > Trump sees the costs of these programs as showing that past U.S. leaders were willing to sacrifice the interests of ordinary Americans to meaningless global cooperation.  > U.S. officials negotiated horrible trade deals; American workers lost their jobs to imports; our putative allies didn&#039;t pick up their fair share of military spending.  > Last week, Europe and Japan announced they&#039;re negotiating a trade agreement that covers 40 percent of world trade and excludes the U.S. Being outside these agreements would weaken U.S. exports.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6mg13e/trumps_trade_trap/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~163838 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **U.S.**^#1 **Trump**^#2 **American**^#3 **trade**^#4 **percent**^#5"


You've got two options.  Deduct the business portion of the depreciation and actual expenses for operating the car.  Use the IRS standard mileage rate of $.575/mile in 2015. Multiply your business miles by the rate to calculate your deduction.  Assuming you're a sole proprietor you'll include a Schedule C to your return and claim the deduction on that form.


That's the clincher for me too.  As the customer, I don't give a shit about a virtual separation between Best Buy the store and BestBuy.com.  You've got ads for BB.com all over the goddamn store, in my eyes it's the same thing.  Yet, the online store undercuts the physical store by hundreds of dollars in some cases, and forces me to go through another hoop of ordering it online then setting up in-store delivery to the store I'm already friggin standing in.  How's about I just play on your nice floor model, and you either match Amazon's or whoever's price or I just order it from them and get it shipped to my house?


How did they violate the law if he hasn't been declared legally incompetent? I'm not saying they didn't I just don't personally know and I'm sure if she can state exactly HOW it was illegal to the dealership they would be more likely to just refund it.


I have a very specific MBA in sustainable business and my thoughts always go to that topic so this might be more detailed than you'd like.   I think it'd be interesting to assess how the proliferation of digital communication, which manifests as much more transparency and an informed consumer base, has affected international supply chain sustainability and the response of management.   Corporate Social Responsibility has grown exponentially in the last few decades. How much is that because it's a lot harder to hide bad behavior with social media allowing for more niche activism?


"Written with some mild snark , but no insult intended, because financial stuff can be ridiculously confusing... Looked at another way, you're basically asking if the Biblical ""Parable of the Talents"" can be implemented as a business model.  You as the investor wish to be the ""master"", with the entity doing the investing playing the part of the ""servant"". Since the law prohibits actual servitude as described in scripture, the model must substitute a contractual profit- and loss-sharing scheme. OK, based on what you've proposed, and by way of example, let's say you invested a thousand dollars. You give the investment service your money. At the end of a year, they give you back   - Your capital ($1000)  - Plus 1/2 of any profits  OR  - Less 1/2 of any losses So let's say the worst happens and they lose ALL of it. According to your proposal, they have to cover 1/2 of the loss. You end up with $500...but they end up with LESS than nothing. They will be in a deficit situation because all the expense was theirs. They don't just fail to make a profit. They go in the hole. It doesn't matter what percentages you use. Regardless of how the loss is shared, you've only guaranteed YOU can't lose all your money. The company CAN. Given a large enough investment, or enough market fluctuation, a big shared loss could shut down a smaller firm. To summarize:   - You want a service that charges you nothing   - Does all the work of expertly managing and investing your capital  - Takes on part of the risk you would normally bear  - (on top of their usual risk and liability)  - Agrees to do so solely for a percentage of any return (where higher returns will likely involve a higher degree of risk)  - AND that guarantees, after just 1 year, you'll get X% of your capital back, no matter what. Win or lose.  - Even if the market crashes and all your capital, and theirs, is wiped out Superbest, um, to be serious briefly: what you're proposing is, if nothing else, inherently unfair and inequitable. I believe you intended it as a mutually beneficial scenario, but the real-world imbalance in risk and reward prevents it being so. Any financial service that would accept those terms along with the extra degree of risk would be fiscally irresponsible. From a business standpoint it's an untenable model, and no company would build on it. It would be tantamount to corporate suicide. The requirement that a service promise to give you back X% of your money, no matter how great the loss, makes your proposal impossible. You need to think about how much all this costs, realistically, as well what kind of returns you can actually expect. And that more risk for higher return is exactly what a service could NOT take a chance on if it had to ""share"" investors' losses. Besides, it's not really sharing, now is it? They will always lose more than you, always end up in a negative situation, unable even to recoup costs. Circumstances beyond their control could result in a drop in the value that not only wipes out any profit, but requires them to pay YOU for work performed and expenses incurred on your behalf.  Why would they let anyon double-dip like that? Yeah, we all prefer getting something for nothing...but you want valuable services and for them to pay you money for the privilege of providing them? I totally agree that would be fantastic, but in this world even ""free"" doesn't come cheap anymore. And getting back to costs:  Without consistent income the service would have nowhere to work and no resources to work with. No office, computer, phone, electricity, Internet, insurance, payroll, licensing, training, maintenance, security, lobbying, etc., etc., etc. Why do people always forget overhead? There's a reason these services operate the way they do. Even the best are working with fairly slim margins in a volatile sector. They're not into 1-year gambles unlikely to cover their cost of doing business, or having to pay for a negative return out of their own pocket. Look, if you're the Biblical master asking your servant to manage things, overhead is built-in. You're taking all the risk as well. You're paying for all three servants' food, home, clothing, etc, plus you had to buy the servants themselves. So its reasonable that you reap the reward of their labor. You paid for it, and you didn't even punish the servant who buried your money in a hole. The two good servants may have done the legwork, but you took on the burden of everything else. In your proposed service, however, contrary to the servant's usual role, the servant - i.e., the company - would be assuming a portion of your risk on top of their own, yet without any guarantee of profit, income, or even coverage of costs. They're also subject to regulations, fees, liability, legal stuff, etc. that you're not, against most of which you are indemnified and held harmless. If they agree to cover a share of your loss, it exposes to greater liability and more related risk. It robs them of resources they need to  invest in their own business, while at the same time forcing them to do all the work. As a result, your model doesn't give such a service a fighting chance. Getting it off the ground and lasting past the first-year payouts would require more luck than skill.  They'd be better off heading to Vegas and the blackjack table, where the only overhead is a cheap flight and room, where the odds and rules don't change overnight, and they at least get free drinks. If none of the equivalents satisfies, then the Biblical parable appears to describe your only option for obtaining exactly what you want: Move to a country where slavery is legal and buy an investor  :-) Cheers, c"


You have a point with suicide, however, even the smallest estimates of defensive gun use show it is more common than gun homicides.  In regards to suicide, we need to examine WHY people are committing suicide and work to resolve the root causes. Likely ending the drug war (less people in prison, less people with felony records), better access to healthcare, and more assistance for the poor will help greatly at killing the root causes of why people want to commit suicide.


>  I don't have the cash for a top tier law school or even to afford to live near one,  Why not take out some loans? If you can get into a good school and get a good job, its worth it.   > Psychiatric Nurse Practitioner or possibly a Physician's Assistant.  Both good options.  I wish you luck :)


Quite a lot of reasons but mostly supply and demand.   Some areas of Africa are extremely remote and just don't have things there that some of the population now want.   I would guess it won't be like this for much longer but right now it is and i have met plenty of people taking advantage of that fact.


From what I read, if the monthly average of the stock falls below 1 dollar, it can be delisted from the NYSE, which of course means you lose everything.  I've been playing this same stock on a day by day basis.  Twice I've finished up 15% on the day, with AMR, but  I don't plan on being able to do this for much longer though.  I dumped it all today just in case they decide to remove it this weekend.


Have you even looked at youtube? Every song or scene from any movie is available for free. Youtube is supposed to be about home videos, not stolen entertainment that would cost money to watch normally. Even with a plethora of options like netflix, itunes, amazon on demand, hulu, vudu, redbox, blockbuster, time warner vod, xbox live, psn on demand, people endlessly download movies and songs. We deserve to have laws like this.


Also peak is going to get a lot worse.  No-one is going to wait to plug their car in until bed time.  They are going to plug it in as soon as they get home in the evenings,  and if there are high wattage fast chargers to get that first 40ish % charged quickly before swapping to trickle charge then I have a feeling there will be peak price hikes as a result of the load increase.


Would bond holders differentiate in their EV/EBITDA calcs when compared to equity holders when valuing a private company?  For e.g. when it comes to a company that has built a power plant, generally equity holders would take an additional haircut/discount for the lack of marketability.   Would debt holders do the same? Would there be a higher valuation otherwise?


Americans want cheaper health care. They do not want one where you have to wait months for a blood test and sometimes they cut off the wrong leg (see video on Canadian health care system below).  https://www.youtube.com/watch?v=q2jijuj1ysw  There is a medium between a monopoly market (what exists today) and a socialized one. It is called a free market.


I think what ended up happening with this is the canadian banks issued some high risk debt that is in line with the bail-in requirements. So the interest payments are more, but they could lose it all in a bail-in situation.  There was actually some debate about the sale of the debt not being fairly handled, but from the sounds of it the notes sold pretty quickly. So there doesn't seem to be much risk to depositors and investors don't seem to be worried about the additional risk. Also at the time of the banks becoming compliant with the Basel regulation I think most of them jacked their service fees to help with raising the additional capital requirements.  http://business.financialpost.com/2014/07/21/rbc-responds-to-complaints-about-issue-of-nvcc-subordinated-debt/


I think rather than take a percentage out, I focus on getting a total amount I consider appropriate for my emergency fund.  Then as for retirement, I do at least what my employer matches, up to the contribution limit.  For example my personal retirement plan in the US has an annual max contribution of $5000. Once I have my 6 to 12 month emergency fund (in a pretty liquid form) and a fully funded retirement, I want to concentrate on building wealth via investments or increasing the quality of my life by spending. Summary answer is:  no percentage for emergency, just get to a total amount you feel comfortable.  Then whatever percentage will allow you to make the most of employer matching and make your retirement fully funded.


What are the steps to bring the money to the US? It is worth 1.25 Crore and I have already paid the 20% tax in India. Under the Liberalized Remittance Scheme an Individual can repatriate funds upto USD 250,000 without any paperwork.  However most banks would be cautious and request for Form 15CA and Form 15CB if you are moving funds from NRO Account. Form 15 CA you would need to declare why you are moving the said funds. The Form 15 CB is to be filled by  Chartered Account certifying that relevant taxes have been already paid to Income Tax. Most Banks would offer these services. Compare the Fx Rate and Fees before you make a decision as to which Bank to proceed with.


In short. A fiat currency is money that has value only because (usually) a government says it does.  A counter example (non-fiat currency) is a gold coin that has intrinsic value usually because it is made of valuable materials that people would trade goods/services. That is the value comes from what you are holding more than what it represents.


I agree that poor management can mightily contribute to subpar plan performance, but many other factors contribute to it too, and I'm not convinced that it's purely ineptitude on Ford/GM/American Airlines/whoever else that has resulted in these pension headaches. Like I said, it's difficult. I also just don't like pensions from a business strategy perspective, because it creates a long-term liability that any going concern should obviously avoid. I think that letting individuals control their own finances is better for employer and employee. If the employee wants that pension buyout option right now to go buy a Porsche, who's to say we should stop them? It's their money.


you have it.  fry's has to compete with amazon as well, and we don't see nearly as much bitching and moaning an prognostication of their demise as we do with best buy. price matching has been a part of their strategy for a while.


Customers also have different needs and the more extreme the need, the more likely they're going to rate you. So even if you completely fulfill a customer's need, unless it was an extreme need or they were in a predefined emotional state, you're not likely to get a review.  As an example, we used to actually fix things at our Radio Shack, with solder and such. In store. A FEW people would give us feedback about that. We were also allowed leeway on what we could take for returns (receipt, 30 day limit, etc.). So if the customer came in and started telling me how our products sucked, and they were calling the BBB it's unlikely they would receive the queen bee treatment. They also gave reviews (Yelp wasn't around at the time).  In short, despite the fact we gave the vast majority of our customers way above par treatment, the people most likely to give reviews were self-entitled pissants. Despite what people say about turning customers around (from angry to nice), this only happened with maybe 1 out of every 5 pissy customers. Another two would probably be shown to be attempting to scam the store in some manner and a fourth would likely have to be shown the door.


> Now we can go on and explain why Jews have cultivated so much hatred for them selves, starting with their habit of Usury and the Betrayal of Christ to the Romans,  That's nothing! As you know, Jews use the blood of young boys for their rituals... while controlling the media and banks...


Your tenant made a mistake. You deal with this exactly as you would deal with a delinquent tenant, which is a hard and sticky question that involves you, your lease, your relationship with the tenant, your priorities, your values, local laws, your estimation of tenant's honest and creditworthiness, and so forth. It's not an easy question. It just falls under the question of how to deal with delinquency that happens to involve the circumstance of allegedly paying cash and having it stolen, which is a hard question.


@gef05 He was making a reference to expatriation and renouncing citizenship. Citizens have to pay taxes wherever they are no matter how long they are there, people that renounce their citizenship have to continue paying income taxes to the US IRS for several years


"Keep in mind that when you brand a truck, on the road it's advertising your business, but when it's sitting in the driveway, unattended at night, it's also a sign to people that ""Hey, I'm filled with lots of expensive tools, come break into me!""  Use caution.  The contractors I know all avoid branding on their vehicles for this very reason."


Floyd can't read, dude.    It happened to Tyson, Holyfield, and countless other athletes.  Floyd is going to go broke when he has a tax liability that he doesn't pay, and can't secure another $100mil payday because he is too old.  I guarantee it will happen within the next 10-15 years.


They have already done this - why should they have to pay taxes when a latecomer does not have to? Why did they have to follow environmental laws when Foxconn does not? That sounds like crony capitalism to me, where the government favors certain businesses over others.


"I would differentiate between pricing and valuation a bit more:  Valuation is the result of investment analysis and the result of coming up with a fair value for a company and its shares; this is done usually by equity analysts. I have never heard about pricing a security in this context. Pricing would indicate that the price of a product or security is ""set"" by someone (i.e. a car manufacturer sets the prices of its new cars). The price of a security however is not set by an analyst or an institution, it is solely set by the stock market (perhaps based on the valuations of different analysts).  There is only one exception to this: pricing an IPO before its shares are actually traded on an exchange. In this case the underwriting banks set the price (based on the valuation) at which the shares are distributed."


Often, we find ourselves overwhelmed with a large number of exciting options, immense possibilities, conflicting opinions, changing priorities, shifting bottlenecks, fluctuating market scenarios and unpredictable customers!  Test your situation with this TEN-QUESTION-TOOL to re-engineer and transform your situation into a workable strategy and a clear-cut plan!


"Yes. There are several downsides to this strategy: You aren't taking into account commissions. If you pay $5 each time you buy or sell a stock, you may greatly reduce or even eliminate any possible gains you would make from trading such small amounts. This next point sounds obvious, but remember that you pay a commission on every trade regardless of profit, so every trade you make that you make at a loss also costs you commissions. Even if you make trades that are profitable more often than not, if you make quite a few trades with small amounts like this, your commissions may eat away all of your profits. Commissions represent a fixed cost, so their effect on your gains decreases proportionally with the amount of money you place at risk in each trade. Since you're in the US, you're required to follow the SEC rules on pattern day trading. From that link, ""FINRA rules define a “pattern day trader” as any customer who executes four or more “day trades” within five business days, provided that the number of day trades represents more than six percent of the customer’s total trades in the margin account for that same five business day period."" If you trip this rule, you'll be required to maintain $25,000 in a margin brokerage account. If you can't maintain the balance, your account will be locked. Don't forget about capital gains taxes. Since you're holding these securities for less than a year, your gains will be taxed at your ordinary income tax rates. You can deduct your capital losses too (assuming you don't repurchase the same security within 30 days, because in that case, the wash sale rule prevents you from deducting the loss), but it's important to think about gains and losses in real terms, not nominal terms. The story is different if you make these trades in a tax-sheltered account like an IRA, but the other problems still apply. You're implicitly assuming that the stock's prices are skewed in the positive direction. Remember that you have limit orders placed at the upper and lower bounds of the range, so if the stock price decreases before it increases, your limit order at the lower bound will be triggered and you'll trade at a loss. If you're hoping to make a profit through buying low and selling high, you want a stock that hits its upper bound before hitting the lower bound the majority of the time. Unless you have data analysis (not just your intuition or a pattern you've talked yourself into from looking at a chart) to back this up, you're essentially gambling that more often than not, the stock price will increase before it decreases. It's dangerous to use any strategy that you haven't backtested extensively. Find several months or years of historical data, either intra-day or daily data, depending on the time frame you're using to trade, and simulate your strategy exactly. This helps you determine the potential profitability of your strategy, and it also forces you to decide on a plan for precisely when you want to invest. Do you invest as soon as the stock trades in a range (which algorithms can determine far better than intuition)? It also helps you figure out how to manage your risk and how much loss you're willing to accept. For risk management, using limit orders is a start, but see my point above about positively skewed prices. Limit orders aren't enough. In general, if an active investment strategy seems like a ""no-brainer"" or too good to be true, it's probably not viable. In general, as a retail investor, it's foolish to assume that no one else has thought of your simple active strategy to make easy money. I can promise you that someone has thought of it. Trading firms have quantitative researchers that are paid to think of and implement trading strategies all the time.  If it's viable at any scale, they'll probably already have utilized it and arbitraged away the potential for small traders to make significant gains. Trust me, you're not the first person who thought of using limit orders to make ""easy money"" off volatile stocks. The fact that you're asking here and doing research before implementing this strategy, however, means that you're on the right track. It's always wise to research a strategy extensively before deploying it in the wild. To answer the question in your title, since it could be interpreted a little differently than the body of the question: No, there's nothing wrong with investing in volatile stocks, indexes, etc. I certainly do, and I'm sure many others on this site do as well. It's not the investing that gets you into trouble and costs you a lot of money; it's the rapid buying and selling and attempting to time the market that proves costly, which is what you're doing when you implicitly bet that the distribution of the stock's prices is positively skewed. To address the commission fee problem, assuming a fee of $8 per trade ... and a minimum of $100 profit per sale Commissions aren't your only problem, and counting on $100 profit per sale is a significant assumption. Look at point #4 above. Through your use of limit orders, you're making the implicit assumption that, more often than not, the price will trigger your upper limit order before your lower limit order. Here's a simple example; let's assume you have limit orders placed at +2 and -2 of your purchase price, and that triggering the limit order at +2 earns you $100 profit, while triggering the limit order at -2 incurs a loss of $100. Assume your commission is $5 on each trade.  If your upper limit order is triggered, you earn a profit of 100 - 10 = 90, then set up the same set of limit orders again. If your lower limit order is triggered this time, you incur a loss of 100 + 10 = 110, so your net gain is 90 - 110 = -20. This is a perfect example of why, when taking into account transaction costs, even strategies that at first glance seem profitable mathematically can actually fail.  If you set up the same situation again and incur a loss again (100 + 10 = 110), you're now down -20 - 110 = -130. To make a profit, you need to make two profitable trades, without incurring further losses.  This is why point #4 is so important. Whenever you trade, it's critical to completely understand the risk you're taking and the bet you're actually making, not just the bet you think you're making. Also, according to my ""algorithm"" a sale only takes place once the stock rises by 1 or 2 points; otherwise the stock is held until it does. Does this mean you've removed the lower limit order? If yes, then you expose yourself to downside risk. What if the stock has traded within a range, then suddenly starts declining because of bad earnings reports or systemic risks (to name a few)? If you haven't removed the lower limit order, then point #4 still stands.  However, I never specified that the trades have to be done within the same day.  Let the investor open up 5 brokerage accounts at 5 different firms (for safeguarding against being labeled a ""Pattern Day Trader""). Each account may only hold 1 security at any time, for the span of 1 business week. How do you control how long the security is held? You're using limit orders, which will be triggered when the stock price hits a certain level, regardless of when that happens. Maybe that will happen within a week, or maybe it will happen within the same day. Once again, the bet you're actually making is different from the bet you think you're making. Can you provide some algorithms or methods that do work for generating some extra cash on the side, aside from purchasing S&P 500 type index funds and waiting? When I purchase index funds, it's not to generate extra liquid cash on the side. I don't invest nearly enough to be able to purchase an index fund and earn substantial dividends. I don't want to get into any specific strategies because I'm not in the business of making investment recommendations, and I don't want to start. Furthermore, I don't think explicit investment recommendations are welcome here (unless it's describing why something is a bad idea), and I agree with that policy. I will make a couple of points, however. Understand your goals. Are you investing for retirement or a shorter horizon, e.g. some side income? You seem to know this already, but I include it for future readers.  If a strategy seems too good to be true, it probably is. Educate yourself before designing a strategy. Research fundamental analysis, different types of orders (e.g., so you fully understand that you don't have control over when limit orders are executed), different sectors of the market if that's where your interests lie, etc. Personally, I find some sectors fascinating, so researching them thoroughly allows me to make informed investment decisions as well as learn about something that interests me. Understand your limits. How much money are you willing to risk and possibly lose? Do you have a risk management strategy in place to prevent unexpected losses? What are the costs of the risk management itself? Backtest, backtest, backtest. Ideally your backtesting and simulating should be identical to actual market conditions and incorporate all transaction costs and a wide range of historical data. Get other opinions. Evaluate those opinions with the same critical eye as I and others have evaluated your proposed strategy."


"Yes, a diversified portfolio can generate greater returns than the S&P 500 by going OUTSIDE it. For instance, small stocks (on average) generate higher returns than the ""large caps"" found in the S&P 500. So if you own a diversified portfolio of stocks, some of which are smaller (in market cap) than the typical S&P 500 stock, you have a chance to outperform. You might also outperform by owning other asset classes than stocks such as gold, real estate, and timber (among others) at appropriate times. (You may also be able to get the relevant exposure by owning gold and timber stocks and REITS.) This was a lesson that David Swensen of the Yale endowment taught us."


Normally, in a war everybody suffers and the entire economy goes down. Military contractors do better than average, but the average sucks. The way to take advantage of knowing a war is coming is to leave as soon as possible. There are strategic materials that can become valuable in a war, but such investments are generally very specialized and not something an ordinary investor would be in a position to exploit.  The most profitable businesses in war are food, oil, and ammunition.


"I'm not at all convinced. Sensing ""putting something on the shelf"" isn't much harder than sensing ""taking something off the shelf"". And the market they've shown doesn't have a conventional produce section - I imagine, if they sold produce, they'd sell produce in appropriately-sized plastic boxes."


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-07-08/yellen-bet-on-pulling-workers-back-to-labor-force-is-paying-off) reduced by 88%. (I'm a bot) ***** > Even as U.S. unemployment crept lower in recent years, Federal Reserve Chair Janet Yellen stuck with a glacial pace of policy tightening that she justified with a powerful message: there were still millions of potential workers to pull in from the labor market&#039;s sidelines.  > If workers hadn&#039;t come back, the strategy could have spurred an overly-tight labor market that sent wages and inflation up too quickly.  > The surge of job holders coming from outside the labor force &quot;Speaks to the reduction in slack in the labor force,&quot; said Tom Simons, a senior economist at Jefferies LLC in New York.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6m5f49/yellen_bet_on_pulling_workers_back_to_labor_force/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~162709 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **labor**^#1 **works**^#2 **rate**^#3 **market**^#4 **force**^#5"


For questions 1 and 2.  1) If you are packing the loans into a CDO, they are being sold on the open market. Once it achieves a AAA rating, as most did even though they were mostly subprime, alt a, or arm, it is sold and shipped off the originator's books (While the originator of the CDO collects X% in fees)  Basically how the originator makes their money is by X amount of CDOs they sell. There was no incentive to pick and choose the best borrowers to sell a loan to because how the CDOs were sold they achieved the best rating regardless of the borrowers credit risk.  Due to this model, people are going to try and get as many people into the homes and sell the CDO asap. This caused questionable lending practices to result, NINJA (no income, no job, no assets) loans, manipulating borrowers income, assets, etc.   Things that could be changed to help not have this occur again:  a) Feds monetary policy was pretty meh during this period, due to low interest rates the banks had pretty much an endless supply of money and when all the reasonable ventures dried up they had to explore other opportunities to lend.  b) Ratings agencies need an overhaul in how they receive their commission, preferably they should be being paid by the investor not the person issuing the security. This will help to eliminate the bias that results.  c) Having X% (2-5) remain on the institutions books who created the CDO will help to make them responsibly lend. This is because if they are required to have it remain on their books, they will make better longer term decisions in who to lend to.  I'm pretty sure all of these issues are discussed in Nouriel Roubini's book [Crisis Economics](http://www.amazon.com/Crisis-Economics-Course-Future-Finance/dp/1594202508)  Another Great book already mentioned in this thread is by Michael Lewis [The Big Short](http://www.amazon.com/Big-Short-Inside-Doomsday-Machine/dp/0393338827/ref=sr_1_1?s=books&ie=UTF8&qid=1324140607&sr=1-1)  If your interested in the European Crisis Michael Lewis also just came out with [Boomerang](http://www.amazon.com/Boomerang-Travels-New-Third-World/dp/0393081818/ref=sr_1_1?s=books&ie=UTF8&qid=1324140665&sr=1-1)


So much fail and misinformation in this thread. China has REDUCED it's Treasury holdings in 2012. http://www.nytimes.com/2012/09/22/business/economy/as-the-us-borrows-who-lends.html?_r=0 Also, FTFA, The FEDERAL RESERVE is the largest holder of US Govt Debt, at 1.65 Trillion. Japan is the largest FOREIGN purchaser of US Govt Debt. This is because China has actively been selling US Debt. Why you may ask? Because the United States manipulates the interest rates on it's debt. Google 'Operation Twist'


>HFT allows those with access to leverage sub-second propagation delays in pricing, which screws those without   Yes it does, just as the first web based trading systems provided investors an advantage over those using the phones to place orders, all the way back to when the wheel provided advantage over those running barefoot in battles. It is the cost of progress.  What is different for the first time in history is that humans are no longer being replaced by other, more efficient humans. They are being replaced by computers, to the point of eventually becoming obsolete. It enables a few to amass enormous leverage but that is a social problem, not an economic one.


This serves as very crucial for the new business manager who is not adept in prospecting the outcomes and for whom, the passages are new! A minor mistake on his part could plunge the whole new venture into the backlash mode which could be potentially dangerous!For More Info:- http://www.startupmentor.co.in/


Yes, you should be able to deduct at least some of these expenses.  For expense incurred before you started the business: What Are Deductible Startup Costs? The IRS defines “startup costs” as deductible capital expenses that are used to pay for: 1) The cost of “investigating the creation or acquisition of an active trade or business.” This includes costs incurred for surveying markets, product analysis, labor supply, visiting potential business locations and similar expenditures. 2) The cost of getting a business ready to operate (before you open your doors or start generating income). These include employee training and wages, consultant fees, advertising, and travel costs associated with finding suppliers, distributors, and customers. These expenses can only be claimed if your research and preparation ends with the formation of a successful business. The IRS has more information on how to claim the expenses if you don’t go into business. https://www.sba.gov/blogs/startup-cost-tax-deductions-how-write-expense-starting-your-business Once your business is underway, you can deduct expenses, but the exact details depend on how you organized.  If you're a sole proprietor for tax purposes, then you'll deduct them on Schedule C of your Form 1040 on your personal tax.  If you are a partnership, C-Corp, or S-Corp, they will be accounted at the business level and either passed on to you on a Schedule K (partnership and S-Corp) or deducted directly by the company (C-Corp). In any case, you will need good records that justify your expenses as business related. It might be well worth at least an initial meeting with a CPA to make sure that you get started on the right foot.