ETFs are legally required to publicly disclose their positions at every point in time. The reason for this is that for an ETF to issue shares of ETF they do NOT take cash in exchange but underlying securities - this is called a creation unit. So people need to know which shares to deliver to the fund to get a share of ETF in exchange. This is never done by retail clients, however, but by nominated market makers. Retail persons will normally trade shares only in the secondary market (ie. on a stock exchange), which does not require new shares of the ETF to be issued. However, they do not normally make it easy to find this information in a digestible way, and each ETF does it their own way. So typically services that offer this information are payable (as somebody has to scrape the information from a variety of sources or incentivise ETF providers to send it to them). If you have access to a Bloomberg terminal, this information is available from there. Otherwise there are paid for services that offer it. Searching on Google for ETF constituent data, I found two companies that offer it: See if you can find what you need there. Good luck. (etfdb even has a stock exposure tool freely available that allows you to see which ETFs have large exposure to a stock of your choosing, see here: http://etfdb.com/tool/etf-stock-exposure-tool/). Since this data is in a table format you could easily download it automatically using table parsing tools for your chosen programming language. PS: Don't bother with underlying index constituents, they are NOT required to be made public and index providers will normally charge handsomely for this so normally only institutional investors will have this information.


"And you were criticizing me for making blanket, general statements...   Did you want to talk about something specific, or did you want to keep the discussion to the generalities like arguing about whether taxes are ""noble or ignoble""?   If it is the latter, than I get the gist of what you are saying, but disagree with you. And I say this from a position of paying a lot more in taxes than I am betting you do, so it is not from a position of rhetoric but actuality."


Charles Tyrwhitt is ok quality and cheap with quick turn around. If you're in the U.K. then T.M. Lewin.   Thomas Pink has some decent but overpriced shirts. Really only worth it if you need the athletic build cut.


I'm a big believer in pulling the quarterly and or annual statements and deriving your own analysis.  The automated parsing systems at Google, Yahoo, and others are a good starting point and they'll let you generally compare various metrics of different companies or market segments.  With that in mind, there are any number of reasons Google's scripts could have broken out or combined a couple of cash flow line items.  If you're digging this deep in the weeds on this company you should pull the SEC filings and build out your own data.


> every instinct in my body is telling me that giving Washington another blank check is a really bad idea. In my minds eye I can see senators lining up with pet pork projects for their home states and it makes me physically sick to my stomach  I can sympathize with that, but there's no shortcut around the ongoing hard work of governance. Tying our own hands financially doesn't make for smarter government, just less capable and more likely to drown when the water rises.


Of course, this is true as long as you ignore issues like New York policeman spiking their overtime by working as flagmen on construction projects.  And, of course, pensions are determined by the highest paid years, so it's a great double dip scam.  The unions have done a great job focusing anger on the banks, but the states and cities are going to keep going bankrupt.


Poor Pakistan, still don't get it . . . Ok Sure the US will not forget, but the US will also not forget you have Nuclear weapons. Now the problem is this, that US is now completely under Zionist and Jewish control, the Jews control politics, religion and most importantly the Economy. You can have happy fucking Hanukah on the white house lawn but Christmas has to be happy holidays.  Now what ever else we know about the Jews, the one thing that holds true is they will never shut the fuck up, so long as a Muslim nation is in possession of a nuclear bomb. Their greatest fear is a nuclear of the Middle east, you see they like their enemies to be civilian and unarmed, preferably women and children cowering in the rubble of their bulldozed homes.   So what Pakistan needs to understand is that they will never do enough and can never do enough, because enough for the Jews means Pakistan should become another Palestine. So they will sell drones and weapons and technology to the Indians, bad mouth and run a proxy propaganda campaign and try to destabilize Pakistan till eventually they manage to get a weak corrupt civilian government in place that will give up nuclear weapons and then, its game over for the Pakistani people.  Had it not been for Iran not having nuclear weapons and Korea having nuclear weapons, the United states would have attacked Pakistan a long time ago.  For Pakistan, you have a decade at best, by that time you had better have ICBM tech.


1,2,3 BHK apartments in Apple 7 have been designed keeping in mind the tastes of urban dwellers looking for complete privacy, well planned amenities, modern architectural designs and better living facilities. Complete with 100% power backup, cross ventilation, high speed elevators, scope for natural sunlight, 24x7 security, earthquake resistant building plans and more, these studio apartments offer premium living space in varying sizes. Along with plentiful vertical space and ample storage capacity, these apartments are a natural choice for small families and working couples alike. Styled to perfection in an innovative manner, these well-serviced studio apartments serve to be your luxurious address in Ghaziabad –in more ways than one.


Read books related to what you want to do post college. The degree is  probably one of the least important parts of it all. It's what everyone already has, knowledge people already know. Now start learning to be different and better.


> Netflix should start laying down infrastructure for their own internet  They could do that.  But it isn't their wheelhouse, any more than Walmart lays down their own freeway system.    > If Comcast wants my steaming business offer a better service than Netflix.   Sure.  In the meantime, I don't see why Comcast must allow Netflix to use its fixed infrastructure.  >You're right it is all business. Which is why we have a government and government regulations  That isn't *quite* how government regulation works.  >The FCC is the government and should be protecting the citizens not the corporations.  Protecting the citizens from whom?  I mean, I can see that you want free shit, but - as you mentioned - *this is business.*


For anyone not into guns... trumps actually been *amazing* for gun *consumers.*  Everyone thought Hillary was going to get elected (and ban guns), so manufacturers over produced during the rush leading up to the elections...   then Trump surprised everyone and won, so they've been dumping inventory at crazy low prices.  So... if you have any interest at all in gun ownership, now is seriously the cheapest time you'll probably ever see.


I'm not trying to sound mean here, because my intention is to encourage you to take the leap into entrepreneurship, but yes...your fear is completely irrational.    The reason you see and hear about those mega-lawsuits is because they are sensational and controversial.  They're actually pretty rare, and usually prohibitively costly to file.  No one's going to successfully get an attorney to try and collect on a large amount of amount of money that you don't have.  Most small business lawsuits are a result of either gross negligence on the business owners part (which would be justified) or terrible or misleading service (again justified).  If you're going to do honest business, take responsibility for the work done, and do your due diligence to manage what goes on in your four walls, you'll be fine.    Go for it...assuming you have a good business plan, and know what you're getting into.  Of course.


"> Im genuinely enjoying the conversation and sorry about the name calling most of my political and economic debates happen with family where name calling is not only accepted but expected lol.  Same. We can't even talk about politics anymore because it became to contentious. It is a shame, since I do enjoy talking about it.   > this link seems to contradict that statment.  From your source: ""Kellogg School assistant professor of strategy Craig Garthwaite and his coauthors find that when the population of uninsured Americans increases, hospitals end up bearing the cost by providing uncompensated care.""  And also from your source: ""Most of it is in the form of Disproportionate Share Hospital (DSH) payments, which, according to federal law, are owed to any qualified hospital that serves a large number of Medicaid and uninsured patients.""   So basically, just like I said - when an uninsured or underinsured person gets treated, but then doesn't pay, the Hospitals file a claim and seek reimbursement from Medicare / Medicaid to get some of that non-payment back. The only thing is, they only get a percent of the non-payment reimbursed. How do many of these hospitals deal with this? By jacking up prices in the hopes of getting a larger chunk of the *actual* cost reimbursed.   From your source:  ""“The DSH payments are less than the uncompensated care that’s provided,” explains Garthwaite.""  > This is dangerously false. The industry isnt known for underbidding and going over budget.   I think we are both looking at our respective industries through rose colored glass. I think we can agree that each of us can point out instances where industry and government have pooped the bed. You can probably spill out a dozen example of government wasted dollars, and I can tell you a dozen example of corporations that weren't efficient, that were slow, and that the government beat them at a task.   I think we are both right, and that both exist in a world where they can be inefficient and wasteful, and they can also be speedy and innovative. If you would like to see examples, I will share some.   What we haven't seen, is a world in which commercial runs it all and runs everything efficiently. We have seen places where government runs it all, and it went to hell in a handbasket - USSR, NK, East Germany are all prime examples. I actually lived in Germany when the wall came down, so I got to see what an isolationist, and a government only run program looks like firsthand."


You need an accountant who will be on your side. Not someone who will help you just fill in forms correctly . Too many play it by the book. Expense as much as you can. Your balance sheet should be a list of what you have (assets), who owes you money and who you owe, and how much cash you have. Good luck!


"What's missing is the semiconductors part of the story. In the 80s, Motorola had a strong position as CPU manufacturer, supplying, among others, the Commodore 64's processors. Had things gone their way, they might have ended up in a position of being key supplier in the age of the desktop PC.  Years later they pioneered Wireless USB technology, promising wireless data rates of 480 Mbps over distances of several meters. This also didn't take off, for various interesting reasons.  After that, the semiconductors division was spun out from Motorola, and is now known as Freescale. They still make processors, being a leading supplier of ARM-based microcontrollers, a platform that is shaping up to compete with Intel's processor platforms. They also make other cool stuff, so not all is lost.  It always bothers me when the semiconductors component is missing from a tech history story. Silicon Valley doesn't contain the word ""silicon"" because it was founded on software. Silicon started it all. Without hardware, software is nothing."


How am I dodging them? I answered your question directly about the pace of change of technological progress. I said its not faster than the pace at which people can get retrained and reeducated. Do you want a direct reply or a reply in context? Yes, technological change is increasing. It always has been. So what? I put it in context for you in terms of automation and the whole debate about basic income.


What's the future value of money given: M = initial investment   R = additional monthly investment   P = interest rate earned per month   t = number of months This is the result of 2 formulas.   1.  How much is the initial investment worth at the end + 2. How much are the additional contributions worth at the end. FutureValue[M] = M * (1+P)^t FutureValue[R] = annuity calculation = R*((1+P)^t-1)/P) So the future value of your initial investment with regular additions, all earning the same return monthly at the end of t months will be: M * (1+P)^t + R*((1+P)^t-1)/P)


Repaint has almost 10 years of experience in the commercial and residential painting services. They have earned a reputation of a top-rated exterior painting company in Montreal. They have all the skills, equipment, and experience to paint all types of exterior surfaces including brick, weatherboard, render, stucco, composite and meta


Yes, you will need to deposit the funds into your HSA, then withdraw them to reimburse yourself for the expenses. The tax deduction comes when you contribute (deposit) to your HSA.  If you do not deposit the money there, you will not be able to claim the deduction.  Your HSA provider reports the amount of your contributions to the IRS, so the amount you say you contribute to your HSA on your tax return has to match what your HSA provider reports. When you deposit the money to your HSA, you need to explicitly tell your provider that the contribution is for tax year 2014.  The reason is that you want to make sure that they report the amount of your 2014 contributions to the IRS correctly. After you've deposited the amount into your HSA, you can withdraw it to reimburse yourself for an eligible medical expense.  In order to be eligible, it needs to be an expense that was incurred while you had the HSA in place.  If you had your HSA account in place before you paid the expense, no problem.  But if you set up the HSA account after you paid for the expense, you might be out of luck. The distribution (withdrawal) will be a part of tax year 2015, and you'll see this amount included as part of the gross distributions on your 1099-SA form next year. When I first set up my HSA, I didn't have any extra money to fund the HSA, so I handled it just like you are talking about.  I would wait until I had a medical bill, then deposit the amount I needed into my HSA and withdraw it back out to pay the bill.


"Assuming the question is ""will they close it for inactivity (alone)"".. the answer is ""Nope"" ... unequivocally. Update: < My answer is geared to credit Cards issues by companies that deal in credit, not merchandise (i.e. store cards, retailer cards, etc).  Retailers (like Amazon, etc), want to sell goods and are in the credit card business to generate sales.  Banks and credit companies (about whom I am referring) make their money primarily on interest and secondarily on service charges (either point of use charged to the vendor that accepts payment, or fees charged to the user).> The only major issuer I will say that it might be possible is Discover, because I never kept a Discover card.  I also don't keep department store cards, which might possibly do this; but I do doubt it in either of those cases too. My answer is based on Having 2 AMEX cards (Optima and Blue) and multiple other Visa/MC's that I NEVER use... and most of these I have not for over 10+ years. Since I am also presuming that you are also not talking about an account that charges a yearly or other maintenance fee..  Why would they keep the account open with the overhead (statements and other mailings,etc)? Because you MIGHT use it.  You MIGHT not be able to pay it off each month.  Because you MIGHT end up paying thousands in interest over many years.  The pennies they pay for maintaining your account and sending you new cards with chip technology, etc.. are all worth the gamble of getting recouped from you!  This is why sales people waste their time with lots of people who will not buy their product, even though it costs them time and money to prospect.. because they MIGHT buy. Naturally, there are a multitude of reasons for canceling a card; but inactivity is not one.  I have no less than 10+ ""inactive"" cards, one that has a balance, and two I use ""infrequently"".  I really would not mind if they closed all those accounts.. but they won't ;) So enjoy your AMEX knowing that your Visa will be there when you need/want it.. The bank that issues your Visa is banking on it! (presuming you don't foul up financially) Cheers!"


Unfortunately many millenials are stuck in this housing catch 22 where (for various reasons) they can't save up enough money to buy a home and since so many of them can't buy homes, they have to rent, which raises rent prices, which makes it even more difficult to save up for a home.


You're going to have a hard time finding a legit investment planner that is willing to do things like take short-term positions in shorts, etc for a small investor. Doing so would put them at risk of getting sued by you for mismanagement and losing their license or affiliation with industry associations.


"> great news for consumers  ...for the moment. This behavior is designed to *drive competitors out of business*. Wait until the Amazon vertical-integration monopoly is complete; where not even the ""ghetto grocery store"" or gas-station 7-11 can operate without Bezos' back-end supply software and self-driving delivery fleet.  Get back to me about prices and ""small start-ups"" **then**."


You never answered the question.  Now you are telling me all about the government, when the subject was big business being the good guy for doing work for the government, not @is the way the government spends on projects good”.    I’m glad you can obfuscate as all hell, but the question was real simple:  Do the businesses get paid for the work they do?


"Past results are not a predictor of future results. There is no explicit upper bound on a market, and even if individual companies' values were remaining unchanged one would expect the market to drift upward in the long term. Plus, there's been some  shift from managing companies for dividends to managing stocks for growth, which will tend to increase the upward push. Trying to time the market -- to guess when it's going to move in any particular direction -- is usually closer to gambling than investing. The simplest answer remains a combination of buy-and-hold and dollar-cost averaging. Buy at a constant number of dollars per month (or whatever frequency you prefer), and you will automatically buy more when the stock/fund is lower, less when it is higher. That takes advantage of downturns as buying opportunities without missing out on possible gains at the other end. Personally, I add a bit of contrarian buying to that -- I increased my buying another notch or two while the market was depressed, since I had money I wouldn't need any time soon (buy and hold) and I was reasonably confident that enough of the market would come back strongly enough that I wasn't at significant risk of losing the investment. That's one of the things which causes me to be categorized as an ""aggressive investor"" even though I'm operating with a very vanilla mix of mutual funds and not attempting to micromanage my money. My goal is to have the money work for me, not vice versa."


Since you asked about Apple, and I happen to have two positions -   This is what happened. I was long the $500, short the $600, in effect, betting Apple would recover from its drop from $700 down to $450 or so. Friday, my target was to hope that Apple remain above $600, but not really caring how much it went over. Now, post split, the magic number is $85.71. My account shows the adjusted option pricing, but doesn't yet show AAPL's new price.


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Yeah the three companies they put weren't the best examples of market irrationality and there are better ones, but I think they were the biggest targets of a short news piece.    TSLA is arguably one of the prime examples.  I also listed CMG in my original statement but there are plenty more too that are continually pumped up for no good reason at all.    Amazon is actually beginning to make some big leaps and bounds.  I used to be a doubter (still don't invest in them or anything) but I do think Amazon has a bright future, barring the possibility of a gov't split up, but with how well the gov't has received Amazon so far, I don't see that as an issue for the near term, even though Amazon is getting to become quite a monopoly is many industries.


It was the sole creditor we're trying to avoid here is what I meant to say, not the broker him/herself.  The reason a firm might extend their debt would be to extend their credit into monetary value, in the scenario I just discussed, and it would more often be the more well known firms that would be the most likely to provide a Bond-Money Supply--Think IBM Bonds, Google Bonds, Cheese Board Collective Bonds, Tesla Motor Bonds, GE Bonds, etc.  All these firms would find a way to apply their bond funds in a way that would expand their output and henceforth make repaying the bonds much more likely, just like a normal firm would today.  The only difference is that in the mean time, that bond becomes a monetary commodity which people can trade for goods and services until it is repaid. Once repaid/neutralized, people can see that the bond is worth using and the demand for that bond as money will increase, just like how the demand for money will increase and that prompts a normal central bank to print more money.  Which means, the firm is safe to take on stable debt again which people can reuse again.  The major difference here is that we have a money supply that you can choose to participate in or not, and it is up to the consumers of that currency how the money supply flows, as opposed to a central authority.  It does matter who's first in line to get the new money in any economy, and with multiple policies competing, power is less concentrated:  http://www.youtube.com/watch?v=hx16a72j__8


Capitalism assumes people are selfish?  Or it accounts for both sides?  Capitalism actually does none of the above.  Capitalism simply says that Capital is the means of trade and financial growth.  Pure Capitalism would mean that Capital is used for every transaction that can influence Trade and Growth.  That is impossible.  Capitalism neither adjusts for, nor makes rules about, whether people are Selfish, Selfless, or somewhere in-between.    Capitalism does promote Selfishness, but isn’t based on Selfishness.  It is based on Capital.  To give Capitalism any other extraordinary properties is to fail to see it for what it is.  I’ve been hearing people associate Capitalism as the cause for tons of modern things:  Roads, Medicine, even the Space Program.  But Capitalism didn’t do any of those.  Where did this foolishness come from? People made Roads, Medicine, and the Space Program.  Capitalism was the market style they used, because it is the prevalent style in America.  But it is just a tool, a method, and not some gift of amazing abilities.  It simply makes Capital the standard for exchange and financial growth.


Recurring deposit means you put aside a sum every month to go into your RD account. Fixed deposit means you put aside a lump sum to go into your FD account. If we take investing 12,000 for RD, means 1,000 a month, and 12,000 for FD, means putting in 12,000 straightaway, we will definitely earn more from FD. However, if you do not have a lot of capital at the start, an RD is a good way to start saving in a disciplined manner.


"From Rich Dad, Poor Dad. 3 Major Things: With rental real estate, in addition to mortgage interest, you also deduct property taxes, and must claim depreciation (cost of house / 27.5 years) Business Expenses. For example, buy a yacht and put it in a charter fleet. Deduct interest on the loan, depreciation of the asset, property taxes, upkeep of the boat. Your ""business"" earns profit from chartering the boat, which if I recall correctly is taxed at a lower rate. You get to go sailing for free. Then there was the concept of subdividing the businesses. If you own a restaurant, create another business to own the property, and the equipment used in the company. Then lease the equipment and rent the land to the restaurant. Now admittedly I thought this was like the Daylight Savings plan of tax avoidance, I mean now aren't you essentially having two companies paying half the taxes. I am sure there are well paid CPAs that make the math happen, perhaps using insurance plans.. Perhaps each business funds a ""whole life"" insurance account, and contributes vast amounts into that. Then you take a loan from your insurance account. Loans of course are not income, so not taxed. The third way is to create your own bank. Banks are required to have reserves of 9%. Meaning if I have $100 dollars, the FDIA allows me to loan $1,111. I then charge you 20% interest, or $222/yr. Now how much can I loan?  ...well you can see how profitable that is. Sure you pay taxes, but when you print your own money who cares? Most of this is just gleamed from books, and government publications, but that was my general understanding of it. Feel free to correct the finer points."


In 1989 longtime casino developer Steve Wynn opened the Mirage, the city’s first mega-resort. Over the next two decades the strip was transformed yet again: Old casinos were dynamited to make room for massive complexes taking their aesthetic cues from ancient Rome and Egypt, Paris, Venice, New York and other glamorous escapes. http://www.history.com/topics/las-vegas  In 1989, entrepreneur Steve Wynn changed the face of the Las Vegas gaming industry by opening up The Mirage, the Las Vegas Strip’s first mega-casino resort. http://en.wikipedia.org/wiki/Las_Vegas  1980 total visitors: 11M  1989 total visitors: 18M  1997 total visitors: 30M  Last year: 38M http://www.lvcva.com/includes/content/images/media/docs/Historical-1970-to-2013.pdf  Vegas transformed itself in the 90's.  It is completely different, commercialized and not just a place to put down some bets.  This is pretty common knowledge. TIL Reddit is full of idiots.


We've all seen Reddit do some amazing things. Is there a place that this can be cross-posted to? (I'm new, and using my phone). Somewhere that will get a little more front page attention than r/business    I'm thinking get Florida residents to know about this. Reddit has changed the votes of politicians, changed the minds of large companies (go daddy), and raised hundreds of thousands of dollars for pet causes out of sympathy. Surely we can help these folks. How hard can it be to get a small insurance company to lose its reputation and more importantly, a vast majority of its customers.  If you didn't read the whole article, read it. If you're not pissed, I'd be surprised. Let's do it for what's right, for the little guy, for books > insurance companies. Help this family maintain what's theirs.   Upvote, x-post, share, and stop this injustice. Nothing is impossible.


Fellow Torontonian here - I'm seeing the same things you're seeing, but what worries me the most is the sheer number of people I know in my professional circles who can't so much as use a wrench, and have no clue what extra surprises you might run into when owning, but are attracted by the low mortgage rates into buying 2-3 properties and using them as rental properties purely as an investment. It's not so bad for the detached homes (which tend to be bought up by developers/contractors), but the semidetached and condos are rife with this type of owner. They don't realize that being a landlord is _a job_: things break, you're responsible, and you definitely can't rely on your tenants always acting as reasonable, promptly-paying people.  I move to somewhere else in Toronto about once every 1.5 years, each time researching many units online, and seeing ~20 in person, and while there may be an increase in quality for the detached homes, every other type of rental property's quality is in steep decline as the market fills with all these non-expert, get-rich-quick types of owners.


"The second drop was part of the same event. The short-term resurgence is often called a ""dead cat bounce"". Mongus Pong's answer is a great answer, I'm going to approach from a more anecdotal POV. Think about the fear that was in the air in Fall 2008. From my recollection, that short-term stabilization came from the Fed, President, Congress, etc standing up and saying that the government would do everything in its power to maintain liquidity in the marketplace. So the fear of a broader collapse of investment banks (beyond Lehman Brothers, Merrill Lynch, etc) due to the Fed behaving as it did in 1929 was abated. By the time you got to Q1 of 2009, it became clear that business vaporized -- nothing was happening. No cars were selling, Christmas was dismal, vacations were cancelled. (example: I went on vacation to a fancy resort in December 2008 and paid $60/night for a $450/night room! The place was half empty.)"


Google Portfolio does the job: https://www.google.com/finance/portfolio You can add transaction data, view fundamentals and much more.


"Many employees don't contribute enough to maximize the match, so the cost to the employer is not the same.  Under the 50% of 6% strategy an employee contributing 5% would get a 2.5% match not a 3% and that saves the company 0.5%. @TTT provided an excellent link in the comments below to a study titled ""How much employer 401(k) matching contributions do employees leave on the table?"" performed by Financial Engines, an independent financial advisory service.  The information meaningful to this answer is on Page 5 (Page 7 of the PDF): 4,378,445 eligible employees were included in the study 1,077,775 of the eligible employees did not contribute enough for the full match; of them, 285,386 Received zero match funds 792,389 Received some match funds, but not the full match available So 792,389 or 18% of the employees studied contributed in to employer 401(k) plans but not enough to maximize their available match."


As a follow-up, I was able to find a bank that gave me a loan. I just called several banks listed on Yelp, and one ended up working with me. It is also possible that the previous banks misunderstood me and assumed I was 1099 and not W2. I made it very clear to this guy that I was W2, and there was absolutely no problem. Also, it turned out the recruiter I work for has special paperwork their employees can give to lenders to verify W2 employment. So, I have been in my condo since January. And, the condo was a little under $250K. Anyway, I still think it's ABSOLUTELY RIDICULOUS that banks would not give a loan to a web developer who is in super high demand and making well over 100K/year -- even if I am 1099. I have never, ever in my life been late on a single payment for anything, and I have an 800 credit score. To even question that I could not make payments is ludicrous. Whenever I put my resume on monster.com (just one web site), I receive about 20 phone calls daily -- and I am not exaggerating even slightly.


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It depends a lot on your investment period and the quality of the bonds that you want to invest. For example, if you want to invest until the maturity of the bonds, and the bonds are very safe (i.e. they are not expected to default), it does not matter that the interest rate rise. That is because at the maturity of the bond it will converge to its maturity value which will be independent of the change of the interest rates (although on the middle of the life the price of the bond will go down, but the coupon should remain constant -unless is a floating coupon bond-). An option could be to invest in an ETF with short term bonds (e.g. 1 year) with AAA credit rating (high quality, so very low default rate). It won't yield much, but is more than 0% if you hold it until maturity.


It's important to remember that upward trending things spend the vast majority of their time at all time highs - intelligent, well meaning people have been regularly saying the Dow Jones has been too expensive since about 2010, often because it was now at 'all time highs':   Sitting on the sidelines can end up just as expensive (if not more so) than avoiding big drops. If you are worried about a large down swing straight after investing just drip it in over a period you feel comfortable with - no one can really answer this better than that without more info on your risk tolerance and exactly what you want to invest in.  Worth noting that buying anything other than transaction free funds when split into small transactions also adds a lot more fees (~£10 entry and exit in a UK ISA for example). Split these over 12 months say, and it will cost you £240 straight out of the gate (2 fund purchases per month for 12 months @£10 each) and another £240 to exit before any holding fees from the ISA platform: that's over 1% of your capital gone just to your stockbroker employing this strategy.  Both the products you mention are also quite high cost in ongoing charges, so unless you have very high convictions about the management quality, will also probably lag cheaper investment types over the long run as well due to the dire performance of virtually all higher cost, active management over time.


"I assume the devs who created the options didn't think about it much and/or wanted to make the API flexible. Only later did a project manager come by and say, ""We should block Apps from limiting options like that"", which is what they did in the upcoming iOS."


No, you cannot.  The cash settlement period will lock up your cash depending on the product you trade. Three business days for stocks, 1 business day for options, and you would need waaaaaay more than $5,000 to trade futures.


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"I've opted out of those machines every time. I fly frequently. With mmj that I have shown documents for (out of oak/sfo). And never gotten bothered or patted down in any awkward way, ever. They tell you what they are doing: ""ok now I'm going to pay your back.."" reddit is full of shit."


If the market has not crashed but you know it will, sell short or buy puts.  If the market has crashed, buy equities while they are cheap. If you don't know if or when it will crash hold a diversified portfolio including stocks, bonds, real estate, and alternatives (gold, etc).


Yes it is legal, in fact according to statistics.gov.uk, foreign investors are the largest holders of UK shares (as of 2008). Investors from outside the UK owned 41.5 per cent of shares listed on the London Stock Exchange at the end of 2008, up from 40.0 per cent at end of 2006, according to the latest Office for National Statistics report on share ownership.


> Hoarding more wealth is the solution?  To protect yourself from the coming financial apocalypse, yes.   > Deregulation?  Absolutely deregulate. These regulators keep bailing out banks with taxpayer money... not a very smart move, and not good for the average Joes.  > Starve people till the market corrects itself?  No, bro. The regulators are doing that. Hoarding wealth prevents one from starving, because they have enough funds saved up to buy food.


"While it's definitely possible (and likely?) that a diversified portfolio generates higher returns than the S&P 500, that's not the main reason why you diversify. Diversification reduces risk.  Modern portfolio theory suggests that you should maximize return while reducing risk, instead of blindly chasing the highest returns. Think about it this way--say the average return is 11% for large cap US stocks (the S&P 500), and it's 10% for a diversified portfolio (say, 6-8 asset classes). The large cap only portfolio has a 10% chance of losing 30% in a given year, while the diversified portfolio has a 1% chance of losing 30% in a year. For the vast majority of investors, it's worth the 1% annual gap in expected return to greatly reduce their risk exposure. Of course, I just made those numbers up. Read what finance professors have written for the ""data and proof"". But modern portfolio theory is believed by a lot of investors and other finance experts. There are a ton of studies (and therefore data) on MPT--including many that contradict it."


Decadence and egotism at it's finest. You feel like you're entitled to a Mustang on a trip you're not even paying for and get all salty when you get a Kia instead? I know a lot of Americans are out of touch with reality but you're apathy toward other people is shocking. Your unabashed greed and selfishness is not justified by a bad childhood. The majority of the world's population lives agricultural lifestyles from the cradle to the grave, with most of those people still working their land by hand.


"It's likely impossible to determine why premiums are increasing in a meaningful way; not only is the interrelationship between the various data points very complex, but some of the increases are likely due to decisions by people who do not and will not publicly post what they decided and why. However, it is possible to compare health insurance premium increases over time to see if the increases in employer-sponsored health insurance premiums are comparable or not to the pre-ACA timeframe. Since the ACA phased in over a few years, we can compare the period 2008-2010 ""pre-ACA"" and 2013-2015 ""post-ACA"", ignoring 2011-2012 as being unclearly affected by the ACA phase-in.  For this, I will look at single coverage premiums only for the purpose of simplifying the analysis. I found a good table of 2008-2010 premiums from the NCSL; they list the following: Kaiser Permanente had a good list for 2013-2015 here: From 2008-2010, the average growth was around 6% per year.  From 2013-2015, the growth averaged about 3%.  In both of these cases we are comparing total premiums (sum of employer and employee contributions). So, from a data-driven look, it seems that the premium growth is lower post-ACA than pre-ACA, so it's unlikely that the ACA could be accused of causing increased premium growth.  Of course, this is US-wide average, and on a state-by-state basis there may well be significant differences that may or may not be related to the ACA. One thing that is covered on the NCSL page linked above that is interesting: while the premium growth has slowed significantly (about 50% of the growth pre-ACA), health insurance premiums are a higher proportion of employee's wages, and that growth is continuing - because wage growth has not kept pace with inflation post-2008 recession.  Employee contributions also may be higher post-recession; many companies reduced their contribution percentage (as my then employer did, for example).   Finally, increases in the ACA plans are also commonly overstated.  They largely are in line with employer plans or even less.   In 2015, premiums were basically flat, decreasing slightly in fact - see the KFF analysis here.  2016 saw a 3.6% by this methodology (see the 2016 analysis).   It's very easy to cherrypick examples that are favorable to any interpretation from the data, though; there are such big swings as a result of the different conditions in the marketplaces that it's easy to pick a few that have high swings and claim the ACA has massive premium increases, or pick a few that have low swings and claim it's reducing costs."


Try asking in r/entrepreneur my friend did a pop-up fashion store to test the water before opening one full time. It was for 3-4 weeks each time and did really well.  The store was in between long term leases and my friend was able to get a good deal on it.   An escape room would have much higher setup costs and would need to be open longer term to make a decent return. Depends how easily you can setup and promote.


A guy who does a sports talk show here in the US can be pretty smart about some things.  His advice:  If you are wondering if something is a good idea, say it out loud.  In his book he cites the fact that people thought, at one time, it would be a good idea to allow smoking on airline flights.  Keep in mind you are using liquid oxygen, news paper, and are 10,000+ feet up in the air.  Say it like that and you hit yourself in the forehead. Read the title of your question in a day or two, and you can answer it yourself with a resounding NO.


Let's think like a real estate developer. First you need to check with the zoning commission the restrictions for the area. Let's say that the plot is actually suitable for 10 homes. You buy the land. You also need to finance the build itself. If you don't have enough cash you need to acquire financing from banks and perhaps from other sources as well, because banks won't loan you the entire amount.  Next you need to divide the plot into 10 pieces, making sure that each piece has driveway access to the street and plan access to utilities (water/sewer/electricity/broadband/phone lines). Plan the size and position of each house. Get building approval. This is a process that can take some time, especially if they have follow-up questions. Get a builder to build the houses, including ground work and preparation for utilities. Get approval for the finished houses. A building inspector will check that the houses follow the permission and all laws and regulations that apply. This step can entail time and added cost.  Get a real estate agent to sell the new homes. Often, the selling process starts in the planning phase and early buyers are able to influence both the layout of the house and the finish. Your cost estimate included a profit of 140k for each house. From that a builder needs to subtract financing costs, real estate agent costs, any costs that you forgot to factor in, budget overdrafts, contingency costs, and salaries for your staff and yourself. I estimate the project time to 1.5-2 years. So, we have an $8M project with a gross profit of $1.4M (not including all costs). Net profit probably just a few hundred thousand. Or less.  Real estate developers with local knowledge would be able to make a much more accurate estimate on both time and cost. My guess is that they have, and since the plot hasn't sold in a while, either the price is at the upper end of what makes a profitable project or there are other restrictions that limit the number/size of homes that can be built on it.


To add to @bstpierre's answer, you should automate all your loans except for the one with the highest interest rate.  Leave that one manual, and pay the most you can afford each month, to pay it off as quickly as possible.  Once you finish that loan, move to the next highest interest rate.  Ultimately, this won't be quite as convenient as just having 1 loan.  The differences are: You need to set up all the automatic payments.  This is probably comparable to in complexity of consolidating your loans. Each time you finish one loan, you need to turn off an automatic payment, and start doing the next loan manually. If you organize yourself well initially, you'll know exactly what order to do the loans in, so this shouldn't take too long. However, unless your consolidated loan has the same interest rate of your cheapest current loan, you will likely save money over-all by using this method.


If (and only if) there is a zero interest installment plan available, technically the only uncontrollable risk is that there will likely be a hard inquiry on your credit report which may or may not also have a corresponding debt obligation attached to it. (Personally, I recently signed up for one such plan with Google and I had a hard inquiry but no debt added to my report). The other risks are that 1) your monthly payment goes up, so if you are living on a tight budget the added payment might make it harder to meet your next bill, and 2) you could miss a payment which generally triggers interest to accrue retroactively at a high rate, and in some cases could be grounds for immediate repayment. The pro / reward of these plans is that you have to spend less of your capital upfront, which you may be able to use for other purposes (presumably with a higher net present value than purchasing the item you're considering outright). A larger example would be purchasing a new car. You want to buy a $50k car and you have the cash on hand to pay in full, but you are being offered 0% interest for 36 months. You may be more inclined to take a loan at 0% with 0 down payment and invest your money in another vehicle (no pun intended) that offers you a decent rate of return and you will come out ahead in the end. Of course, this example works in a perfect world where you can get such an offer, there are no extra fees available, you aren't worrying about your debt-to-income ratio in preparation for a big purchase like a house, there isn't a higher insurance premium to consider, etc. In short, 0% financing, be it for a phone or a car, can be a nice perk for the informed consumer who is not using the financing as a way to purchase outside their financial means, but it is offered by companies as a way to make people buy things they normally would not and, hopefully, capitalize on people missing payments in order to reap the sweet 20%+ interest rates generally seen with these offers.  In your specific situation with the phone, you should consider if you get a discount on your monthly plan for purchasing outright, or if you can get the phone subsidized if you sign a contract (and you know you like your provider enough to stay for its duration). If the monthly plan rate stays the same and you're looking at either $500 now or $500 over 24 months and you don't mind a hard inquiry, there's not much of compelling reason to pass on the financing and hold on to your $500.


It was comparing against the same period in 2011 you fucking moron. I mean seriously, it's in the second paragraph.  I'll give you some advice I got as a child. If you don't know what you're talking about, then shut the fuck up.  edit: Downvotes...Was it not comparing against the same period in 2011, you fucking morons? Don't blame the one who points out your asstardery.


And when there's nowhere left to flee?  What if it's not a foreign state but just 200 guys that roam town to town shaking down people? Too many for your militia to take without heavy casualties. What if they straight up enslave you to work fields for them? Are you not making a general assumption that people aren't bastards with this philosophy?  These power structures exist for a reason; even isolated farms will form tribes eventually...   All you're doing is begging for the return of the feudal where a single actor has a monopoly on everyone else's safety with few checks and balances.


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Banks have electronic money counters so the order really doesn't matter. When I make a cash deposit that's large, I usually just put it in an envelope and hand it over.


In 20 years who will give a shit, what seems important now is Morgan & Stanley's repeated buy calls for an obliviously failing economy, that is plagued by deep defaults and half baked Central Bank decisions more targeted towards political win points than economic stability and growth.  It is obvious Morgan is getting a little shrill, whats the exposure and whens the Margin calls sweetums? cause nobody is buying  and you are stuck with it


You already did the leg work by putting your money in a Schwab account. They have some of the lowest fees on index funds you can buy. I would keep things dead simple. Decide if you want some of it to be an IRA or not, and then plow your funds into a broad stock only index fund such as SCHB, SCHX, or SCHV (you could buy all three, but there would be no need to whatsoever). You will get around 2-2.5 % dividend yield, be diversified, and have extreme low fees. Fees are key to getting good returns in funds. Of course..set tax money aside as well.


"not all employers went through that. much of that is often inherited. and otherwise, thats a terrible way of reasoning, you should seek to make the path of those who follow you easier than it was when you had the same. the ""i got mine"" mentality is a plague."


"Having a separate checking account for the business makes sense. It simplifies documenting your income/expenses. You can ""explain"" every dollar entering and exiting the account without having to remember that some of them were for non-business items. My credit union allowed me to have a 2nd checking account and allowed me to put whatever I wanted as the name on the check. I think this looked a little better than having my name on the check. I don't see the need for a separate checking account for investing. The money can be kept in a separate savings account that has no fees, and can even earn a little interest. Unless you are doing a lot of investment transactions a month this has worked for me. I fund IRAs and 529 plans this way. We get paychecks 4-5 times a month, but send money to each of the funds once a month. You will need a business account if the number of transactions becomes large. If you deposit dozens of checks every time you go to the bank, the bank will want to move you to a business account."


You mean sites like prosper.com? I see that they are growing but is this really substainable when the novely wears off?  Also I find the low volatility claim interesting since I thought low vol portfolios would be a hard sell. How have you experienced this?


That all depends on you. The cheaper places are certainly going to cost less, but when it comes to comparing value that is a subjective decision that only you can make. Maybe the more expensive one has an easier to user website, friendlier customer service, or something else you value enough to pay more for trades.


"This is a legal business concept, as long as you don't misrepresent the source material.  If you want to rebrand the items, you'll  need a contract with the manufacturer.  I would contact the sales dept at the manufacturer, and see if you can become a reseller/partner (many companies have ""certification"" programs, where you will gain cheaper prices for  products if you undergo training on them) or even sign a rebranding deal.  Ask for a reselling discount on the trains/accessories (20% isn't unreasonable in software- I'm not sure about the model industry), then buy from the manufacturer instead of the store.  Hope it works out for you!"


The comparison with tulip mania shows a wilful ignorance of what bitcoin is. Scarcity is one of the things that makes bitcoin good, sure, but it's not the only thing. Could you have transfered millions of dollars worth of tulips around the world in minutes, securely and for pennies on the dollar?   >In bitcoin’s case, Dimon said he’s skeptical authorities will allow a currency to exist without state oversight  *Allow* Bitcoin to exist? Authorities don't get say whether Bitcoin is *allowed* to exist or not. You'd think the CEO of one of the largest banks in the world would know that.   >“If you were in Venezuela or Ecuador or North Korea or a bunch of parts like that  Bitcoin is outperforming a lot of currencies, not just in Venezuela, Ecuador or North Korea.  > if you were a drug dealer, a murderer, stuff like that, you are better off doing it in bitcoin than U.S. dollars,”  Why would Bitcoin be better for *only* those things? He's trying to smear Bitcoin as being only used for illegal activities and that is simply not the case. Besides, the reason that people *do* use it for those things is due to the inherent privacy aspects of Bitcoin (though not perfectly private, they're still useful).


"It's been a while but I've worked with a few Indians in the past.  One guy was a manager - very smart and a great guy but he micro-managed his people to death - literally checking on them multiple times an hour throughout the day.  Several Americans that worked for him quit because they couldn't take it anymore although the liked him personally.    Then I went to another place that used several H1B programmers and DBAs.  I had to manage a few of them and learned quickly why he worked the way he did.  They were all smart and hard workers but I would give the Indian workers a general task to accomplish and they would always enthusiastically say yes and disappear into their cubicles to work.  I would swing by a few hours later (expecting things to be moving along or done) and would often find that if they had hit a snag, they would stop, sit, and wait for someone to come check on them for further direction.  If they did in fact complete the task, they would still just sit there and wait for me to come check on them to tell me they were done.  It was really crazy.  I also found that even if they had no idea what I wanted, they would say ""yes"" and go back to their desk, so I had to start having them give me an overview of what they would do to solve the problem before I let them go off and start working.    I assume it's a cultural thing but it drove me nuts until I learned how to keep them moving.    TL;DR: Managing them was like herding cats."


How in the hell can they put a positive spin on this? 1.  Consumers cars were materially modified without their consent.  2.  They were modified in such a way that indicates they may have previously been sold cars governed for marketing reasons, not engineering reasons.   Tesla is another Uber- just waiting on the horrific ethics and working conditions stories to happen.


Well without Cisco's products you can not connect to internet at first place. I can tomorrow found a site like FB by jacking its script but in no way I can produce anything Cisco produces.  I understand that it is expected growth rate is two times higher than Cisco but so is its p/e and its risk. When I was in high school there was a site called myspace which nobody remembers today.


"Buried on the IRS web site is the ""Fillable Forms Error Search Tool"". Rather than including an explanation of errors in the rejection email itself, you're expected to copy and paste the error email into this form, which gives more details about what's wrong. (Don't blame me; I didn't design it.) If I copy your error message in, here's the response I get: There is an error with the “primary taxpayer’s Date of Birth” in Step 2 Section 4.  The date of birth that was entered does not match IRS records. Make sure you enter the correct birth date, in the correct format, in the correct space. Scroll down, and enter the current date (“Today’s date”).  Today’s date is the day you intend to e-file the return again. Also, if you are making an electronic payment you must re-date that section. E-File your return. You say that you've already checked your birthday, so I don't know as this is particularly helpful. If you're confident that it's correct and in the right place, I think your next step needs to be contacting the IRS directly. They have a link at the bottom of the error lookup response on how to contact them specifically about their solution not working, or you could try contacting your local IRS office or giving them a call."


We've expanded in our current location several times.   We started with just 33 stations, this past Friday we had 80 people in the store playing.   If you mean franchising, that's such a huge risk and it rarely works out the way you'd expect it to. I'd be more interested in consulting and if needed being on site to help with certain things but I haven't had anyone offer to pay me yet, at least none that have actually paid me.


"all skilled jobs  Lots of service jobs, tech included, can be learned via internship, apprenticeship, trade programs, etc. Development usually requires more training as you said.   ""most vulnerable""  I absolutely agree that the most vulnerable never have it easy."


I usually get a cashiers check to cover about 90% - 95% of the expected amount (whatever I think is just below my wet-dream-price), and bring the rest in cash. That doesn't require so much cash to be carried. Alternatively you can write a personal check for the exact reminder, or go to the bank for the reminder after the deal is made - with the majority already paid in a cashiers check nobody would disagree.


I agree with what you're saying, that people aren't completely rational.  But to build an entire system on their irrationality is ludicrous... At some point, they figure it out.  This is exactly how things change and change dramatically.    > They are far too worried about the day-in day-out running of their business to spend their time day-dreaming of how to hide away all of their money once they become rich.  Yeah, but if they don't think they're going to get rich, they'll simply stop minding the day-to-day.  I would, and if they figure out that they're going to be patsies to be sacrificed at the altar of wealth redistribution, they're going to stop.    Already, people are awaking to the fact that college educations do not bring them prosperity.


Mervis Diamond hosted a Spring Bling wedding band trunk show at all of its locations and   emphasized the fact that the event caters to all kinds of couples, straight and same-sex. A lot of members of the gay community attended that event. Some couples bought rings but more importantly, people remembered it for years. In Spring Bling show many guests were welcomed to attend and shop for any occasion-a birthday, anniversary or graduation.


No need for Fabozzi yet. His stuff gets cover in plenty of college textbooks, old and new.   Keep browsing /r/finance, /r/personalfinance, and /r/investing and you'll find the usual recommendations.  Here's goldman sach's recommended reading list: http://www.stat.unc.edu/faculty/cji/890-11/Goldman-Sachs-Suggested-Reading-List.pdf  No need to read it all. Follow your interests.


the government wants to tax your money before you die. If you die your 401(k) becomes part of your estate and will not be taxed to as great an extent.


"You left out Koch, Exxon, BP, Monsanto, Comcast, FOX, and many other fat corporations and family members who have been ""elected"" by simply having near monopolies.  [Further embedding plutocracy](http://billmoyers.com/2014/08/14/a-study-in-plutocracy-rich-americans-wield-political-influence-the-rest-of-us-dont/) is not the answer.  As for voter opinion and democracy, money buys more than last second ads.  It gets you media talking heads pushing your spin.  It gets you [faux educational ""think tanks""](http://www.desmogblog.com/2013/12/09/stink-tanks-historical-records-reveal-state-policy-network-created-alec) and [manipulating media by holding the purse strings](https://www.reddit.com/r/politics/comments/1ercj1/pbs_killed_wisconsin_uprising_documentary_citizen/), including censorship."


You aren't a web developer are you? On OSX my user agent is  >Mozilla/5.0 (Macintosh; Intel Mac OS X 10_7_4) AppleWebKit/536.5 (KHTML, like Gecko) Chrome/19.0.1084.56 Safari/536.5  ...in Windows it is  >Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/536.5 (KHTML, like Gecko) Chrome/19.0.1084.56 Safari/536.5  You can clearly pick out the OS from the user agent.


"You seem pretty on the ball with corporate men's fashion so question: do guys in the US ever use silk knots?  I know they are used in Europe as a more casual replacement for cuff links, but I've noticed that their free inclusion with shirts makes certain people think of them as cheap.  I quite like them, and they may be a less ""pretentious"" look for an intern (or maybe not)."


"You got some answers that essentially inform you that CEOs that have £200k written on their paysheet may in fact get much more. I'll take the opposite point of view and talk about people who (according to whatever definition) have a £200k/year income.  How can they afford it Guess no 1: not all of them can (in the sense that it is quite possible to end up with negative net worth at £200k/year income - particularly if you immediately want to show off with brand new luxury cars, luxury holidays and a large house in a very representative region).  Guess no 2: not all of the £200k/year CEOs are equally visible. There is a trade-off between going for wealth, large house, and luxury car. I deliberately ordered the three points according to increased display of ""wealth"". However, display of wealth usually comes at a cost (in a very monetary sense). And there are ways to get much display without having much wealth (see below: lease the car, also the mortgage on the house usually isn't displayed on the outside).   You also need to take into account how long they are already building up wealth. I guess the typical CEO with £200k/year you're asking about did not just finish school and enter his work life in this position. It would be very interesting to see how income, accumulating wealth (and possibly ""displayed wealth"") correlate. My guess is that the correlation between income and accumulated wealth isn't that high, and the correlation between displayed and actual wealth is probably even lower. they possess luxury cars, large house and huge savings Are you sure these are the same managers? E.g. the ones with the huge savings  are and the ones with the luxury cars? I'm asking particularly about the luxury cars, because such cars loose value very quickly and/or are often not owned by the driver but rather by the bank or leasing company. Which on the other hand offers the more savings-oriented CEO who is not that much interested in having a brand new luxury car the possibility to go for a one-year-old and save the rest. Knowing that, your CEO should be able to buy a one-year-old Mercedes SL 350 / year. Or a new one every 1 1/2 years (without building up savings or buying a house). However, building up wealth will be much faster with the CEO going for the one-year-old as the brand-new car option amounts to loosing ca. £20 - 30k within a year. An even-more-savings-oriented CEO who keeps his existing Mercedes 300 TD for another few years, thinking that this conservative choice of car will be trust-inspiring to the customers. Or goes for the SLK thinking that most people anyways don't know that the K between SL and SLK halves the price...  However, if you just want to be seen with the car: after an initial payment of say £8-10k, you can get a decent SLK 350 (not the base model, either) at a monthly rate of ca. 600£/month or less than £7k/year. Note however, that this money does not count towards any kind of wealth, it's just renting a nice car.  In other words: If driving the SLK 350 is your absolute goal, you could in theory have that with a net salary of £25k/year (according to your tax calculation, that should be somewhere around £35k / year gross), if you have the savings for the initial payment (being able to make the initial payment may also help convincin the leasing company that you're serious about it and able to pay your rates).   There are also huge differences in value between large houses, compare e.g. these 2: And, last but not least, there is a decided one-way component in the timing of priorities here: it is much easier to go and get a luxury car when you have savings than first going for the luxury car and then trying to make up with the savings...    I forgot to answer the question in the caption of your question: How do I build wealth By going on to live as if your income were only £50k (as far as that is compatible with your job) - I gather the median gross income in the UK is about £30k, so aiming at £50k leaves you a very comfortable budget for luxury spending.  If you want to build up wealth faster, adjust that. In general, if you can manage to withhold much of any income increase from spending, that will help (trivial but powerful truth). From the leasing calculation you can conclude that you basically have no chance to show off your wealth by luxury cars. That is, you'd need to go for luxury cars that are completely incompatible with with building if you want to show your built up wealth by the car: there are too many people who even destroy their existing wealth in order to display luxury.  At least if anyone is around who has either a correct idea what luxury cars cost (or don't cost) or will look that up in the internet. Also, people who know such things may also have the idea that the probability that such a car was downright paid (wealth) is small compared to the probability of meeting a  leased or (mortgaged) car. Which means, the plan to show off doesn't work out that well with the people you'd want to impress. As for the other people: just a bit of display you can get far cheaper: If you really want to drive the SLK, rent it for an occasion (weekend) rather than for years. I met a sales manager who told me which rental cars they get when important customers from far east are visiting. The rest of the year they drive normal business cars. You may want to choose a rental company that doesn't write their name on the license plate. Apply the same ideas to the decision of buying a house. Think about what you want for yourself, and then look where you can get how much of that for how much money. Oh, and by the way: if I understand correctly, the average UK CEO wage is  £120k, not £200k."


"> Oh, I've gotten the ""massive upside"" in writing - you get 10,000 shares of this thing!  Don't ask for 10,000 shares. Ask for $10,000. Or $100,000. Or whatever you think is a fair payment for the time you invest. You could even pull a cash figure from the income projection in the business plan you asked to see. You did ask for that, right? As well as the resumes from the founders and the name of the VC company so that you can check them out?  > The fact that it's a pretty sophisticated game is not always obvious,   It isn't sophisticated at all. It's very, very simple. IF you're asked to work below your market rate, you're an **investor**. You're investing time, and you need to see it paid back in the form of money. You need to be sure to get a contract that covers your investment, so that even if the company tanks you can still get paid. Or at the very least, you can sue the VC company for your back pay.  If you're new to it, you need to ask for advice from someone who isn't. This isn't rocket science, guys."


The Globe and Mail has an interesting article on what you can do with your RRSPs. Be aware that the article is from early 2011 and rules change. They describe holding your own mortgage inside your RRSP. That is, if you have $100,000 inside your RRSP already and your remaining mortgage is $100,000, you can use that money to pay off your mortgage, then pay back the money at interest, generating a tax-deferred profit inside your RRSP. That approach may be viable, though you'd want to talk to your accountant first. I'd be very cautious about loaning money to someone else for a second mortgage using my RRSP, though. Second mortgages are inherently risky, so this is a very speculative investment. Once you make an RRSP contribution, that space is used up (barring a couple of exceptions such as the life-long learning plan). So, let's say you used $100,000 of your RRSP to loan to someone for a second mortgage. Any interest payments should be sheltered inside the RRSP (substantial benefit), but if the person defaults on the second mortgage (which you should expect to be a significant possibility), you've lost your entire $100,000 contribution room (as well as, obviously, the $100,000 that you loaned out). I can't tell you whether or not it makes sense to invest in risky second-mortgage loans and I can't tell you whether, if you choose to do so, it definitely should be done inside an RRSP. There are substantial risks in the loan and there are both costs and benefits to doing so inside an RRSP. Hopefully, though, I've helped you understand the questions you should be asking yourself.


Are you aware of how not environmentally friendly it is to make the batteries?  Plus, there are already so many other options. Chevy Bolt, BMW i3, Focus Electric, Hyundai IONIQ, Soul EV, Mitsubishi i-MiEV, Nissan Leaf, VW e-Golf to name a few.


Let's go ahead and walk through the other solutions while were at it! It's been a few years since finance class in college  Skip #30 since it's basically the same Q   EDIT: #28: did I do this right - PV(.0635, 7, -10,000) = 55,135  31  - not sure how to solve for monthly payments in excel


I would address only the work-related issues with him. Not everyone is going to personally like you, and vice versa. If he doesn't wish to socialize with you, he doesn't have to.  When addressing the work-related issues, do not be accusatory. Consider the two questions below and how each would make you feel if they were asked of you.  Hey $Boss, why didn't you invite me to $meeting?  Hey $Boss, I noticed that I wasn't invited to $meeting. It seemed like something which would have been relevant to my work, so I wondered why I didn't get an invite.


"If we are only talking about a few extra months between jobs which is quite common now then how do you get to ""living beyond their means""?  Either they have unemployment insurance or they don't.  It sounds like you don't like unemployment insurance.  So go bring that to a vote.  So far the majority of people want unemployment insurance in place because they see greater economic benefit in providing this service."


Half of original MSRP at Amazon is a good option for books that are in good condition.  Another option would be to use eBay, specifically Half.com.


"Currency Trading For Dummies, no offense. The ""For Dummies"" series is well known for its expertise in every field one can imagine. That said, what prompts you to want to get into this? The average person is very likely to lose money as the long time experts walk away winners. Do you have an urge to trade commodity futures? I sure don't.  While I offer the book as a guide, the real answer is ""you shouldn't."""


"> Is a guy stabing a Muslim because he thinks he defends his country a terror attack ? What about a Muslim stabing a guy because he thinks they destroy his culture ? To me both are acts of terror !  Well, the only question is about ""cause and effect"" and quantity.   Do you think a rightwing would attack Muslims if they did not attack westerners? Do you think rightwing attacks are more than Muslim attacks? Are they even 1% of all attacks and harm?  **What would happen if Muslims would never get attacked in Germany, even if they attack Germans?** (Check history books for the answer.)  > E.g. i have nothing against refugees BUT they making terrorist attacks rape our women and are highly unhygienic by shitting in the streets"" That is a 1a grade hate speech and pretty much your opinion as far as understood you.   Who said I have nothing against refugees?   Of course I am against accepting ""refugees"": hardly any of the ""refugees"" are from the Syrian war. Almost all of them are economic migrants from mostly countries which are not Syria. Accepting refugees hurt them more than help, because instead of trying to fight their oppressors or try to improve their situation in their location, they take the easy choice of running away and making the situation even worst in their homeland. You never heard about foreign aid? You need to take people into your country instead of aiding them in their country?  Note: if tomorrow, a catastrophe happens in Chile or Italy or Kenya, I will be glad to take as many of them into Germany because, for sure, they will try and succeed to integrate into the German society, customs and way of life. No chance they will start terror attacks against Germans and Sharia courts.  > Please try to see that such things are damaging to the society and lead to mobs with pitchforks trying to restore ""order"".  Prevention is the best medicine! Why, to begin with, cause damage to society and many problems by accepting ill-fit immigrants?  **You are the one that is not open minded!** You see all the problems, caused only by refugees, and you want more refugees. Sorry to say that, but you are brainwashed.  Please reply, I asked several times:  > I say ""terrorist attacks are carried out by Muslims"" ... **Do you think I think all Muslims are terrorists?**"


I'm going to take a different path than the other answers: Given how low interest rates are (depending on your credit), buying a house may be a great strategy.  However, I would not put more than 20% down.  Putting more than 20% down unnecessarily ties up cash that could be used more productively elsewhere. You need to figure out your cash flow situation both for the near term, and for the long term. For the short term, you probably won't need to help your kids with tuition.  They will likely be able to get a combination of grants, scholarships, and loans that will cover the cost.  However, the loans are generally not low interest, and that is a huge amount of debt for someone so young.  If you want to help pay your kids tuition, you should at least guestimate/budget that amount now. For the long term, without any retirement savings, you may be hurting in a couple decades.  Since you also don't have a home, your living situation may be a problem.  Buying a home today may be the prudent move, because that will hopefully be an appreciating asset, and, with a 30 year mortgage, you'll own it outright by 75, which takes a big strain off of retirement costs. $1400 a month in bills (apart from rent/mortgage) with no kids in the house (is this correct?) sounds high.  I would also recommend looking at your basic expenses and seeing what you can do without if you are cash strapped.


From what I see, it is more like .70 per contract, with a $1 minimum (for options that trade over a dime.)   IB does not provide any help, at all, so you have to know what you are doing.  I use tradeking, which charges about $6 for a contract, but you can call them for help if needed. There looks to be other fees for IB, like when you cancel an order, but that can be offset by other trades. It is one of the reason the Motley Fool Stock Adviser service has recommended IB for an investment.


Holy fuck how do you not understand that the government is responsible for the tax code, and all the changes to the tax code, and therefore wholly responsible for incorporating any changes that corporations ask for?   Goddamn you have to be retarded to try to exonerate the government and blame corporations for something corporations have no power over.


If you live in a country that taxes interest, and if this is a significant amount of money in a high interest account then the tax forms will serve as a reminder. Even though the advice is to forget about the money, so that you don't dip into it for trivial things; you do need to look at it every so often to make sure it is still in a high interest account. The info about the account also needs to be kept in a place where somebody else can track it down if a spouse or dependent has to use the money in the emergency.


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Yeah and Doctor Oz has a medical degree. There's a whole lot of skepticism and critique of the outdated and abandoned methods he's using. A quick google search will say from plenty of other experts from MIT and other name dropping schools that his data isn't and cannot be realistic.   I'm anticipating a market correction, but I'm also not a conspiracy theorist.


The 10 most dangerous jobs (number is Occupation Fatalities per 100,000):   Timber cutters 117.8   Fishers 71.1   Pilots and navigators 69.8   Structural metal workers 58.2   Drivers-sales workers 37.9   Roofers 37   Electrical power installers 32.5   Farm occupations 28   Construction laborers 27.7   Truck drivers 25   (This is according to the BLS for 2015.  They say Mining workers is 12.4)


if you have 30k to invest use some of it to hire someone because the returns you'd get with some sort of professional would probably make up for what your paying them in comparison to doing it on your own. although if you're really against it then like mjvcaj said, ETF's would probably be a good idea.


As well as credit risk there's also interest risk. If a bond has a face value of $100, pays 1% and matures in 20 years' time then you expect to receive a total of $120 from buying it now -- $1 per year for 20 years and $100 at the end. But if you can get a 3% return elsewhere, then if you invest your $80 there instead you will get $2.40 per year for 20 years and then $80 at the end, making a total of $128 (and you also get more of the money sooner). So even $80 for the $100 bond is a bad buy, and you should invest elsewhere.


"You are effectively 'making' 3.8% right now. By maintaining a loan at 0% vs the 3.8% you'd otherwise pay, you are ahead by that percent.  Now, if you borrowed at 3.8%, and made 7.6% on your investments, taxes aside, you'd break even. you are exactly ahead by the same 3.8%.  It seems to me that with a break-even of 7.6%, you'd be taking a risk based on the market return over the next few years. In a sense, that's true for any of us, but in your case, you are not deciding where to put idle cash, you already have the 3.8% option of ""leave well enough alone."" This is where I'd quote Harry Callahan - 'you've gotta ask yourself one question: ""Do I feel lucky?"" Well, do ya, punk?'"


"DPStream.TV | The Big Bang Theory : Leonard et Sheldon pourraient vous dire tout ce que vous voudriez savoir à propos de la physique quantique. Mais ils seraient bien incapables de vous expliquer quoi que ce soit sur la vie ""réelle"", le quotidien ou les relations humaines... Mais tout va changer avec l'arrivée de la superbe Penny, leur voisine. Ce petit bout de femme, scénariste à ses heures et serveuse pour le beurre, va devenir leur professeur de vie !"


You've admitted to taking entertainment and comedy as legitimate sources of information in a presidential election, dude. Whatever your choice is during an election, its a serious one with real consequences.   You complained earlier about not liking the choices in the election, well where was your ass during the primary?!?! I'll tell you where mine was -- in a fucking voting booth, voting for Ted Cruz.


I get so pissed off at the concept of being forced to use services I have no interest in supporting, e.g. traditional taxi cabs. I live and work in Detroit. There is a pretty big difference in quality between an Uber driver and a Yellow Taxi driver.   Thanks businessmen at large for controlling my choices for me.  sorry!


Cashiers check is as good as cash. I use them all the time as banks don't carry over 2-3k anymore. I can bring the cashiers check anywhere and thus cash it for u without an account. It's basically a piece of paper that says these funds are set aside from the issuers account just for and only for the check. That's why it's accepted anywhere. It's a gurantee from one bank to another that the funds are there waiting to be transferred. The whole point of the check is so the funds are available immediately. The bank will call the issuing bank verify the Check is real and than cash it immediately. You don't pay a fee to buy the cashiers check just to wait for it to clear like a normal free check. Its immediate and just as good as cash. I use them weekly/monthly for amounts from 5k up to over 100k.


authorized 100,000,000 shares They cannot issue shares more than that so 102M isn't possible. Common stock - $.01 par value, authorized 100,000,000 shares, issued 51,970,721 and 51,575,743 shares     If you look at the right 2 columns it become clear what it means. You missed the $ symbol and on the top (In thousands, except share amounts) ouststanding share 51,970,721 -> 520 On Sept 30, 2014 outstanding shares * 0.01 and rounded off to arrive at 520. ouststanding share 51,575,743 -> 516 On June 30, 2014 outstanding shares * 0.01 and rounded off to arrive at 516.


I understand your process. I just don't think many people on Reddit have put together a $100M loan. Hell not a lot of people period have done that. I'd think the council or banks you are working with would have that experience.   When in doubt, just do what I do. Find something for a $1M loan and add a few zero's to it!   You mentioned the cold storage business - something I am very interested in.


Um nope. I'm friends with her on Facebook and she initially followed me on Twitter back in 2012. She also does follow me on IG but we talk more on Fb than anywhere else, mostly Messenger. I'll just say this: she was on both Punky Brewster and Family Matters


"Is this not just romanticism for the ""good old days""? Why do people assume small, local businesses are treating employees so much better? Do you think the corner superette is showering their employees with 20/hr wages and elaborate benefits packages?"


Studying seek out internet handheld economic, and there is a number of handheld personal personal loan companies, all the things you want to do will be be sure the net handheld personal giver established fact and also given the green light by customers. Tend not to depend the particular on-site testimonies to be able to evaluate the caliber of the particular program.


Yes, you can keep the accounts.  In fact, I opened my US bank account as a Canadian citizen living in Canada, and still have it after living in the US and returning. American Express offers UK cards and the have an excellent system for transferring the cards.  You should definitely contact them about this, otherwise you will likely have to start building credit from scratch in the UK.  AE Global Card Transfer


Data mining + uber connections can land you in with a hedge fund. I would focus on being as social as possible, joining business clubs / connected fraternities and enrolling in CFA 1 to maximize your chances. A solid connection will get you further faster than anything else.   I'm going to say that the graduate classes you take won't be as relevant at the Msc at the end of your name.


Depends. I recall *healthy* food like grilled chicken and veggies being less expensive in Ireland compared to when I returned to the US.  But a family-sized bag of candy? Cheaper in the US. In fact, grab three because the third is free after you buy your second!


Then they keep putting artificial burdens and excuses on WHY they can't produce phone records . . . they want to redact their customers.  Yeah - discovery fucking blows.  They still have to do it.  Then tragedy strikes supposedly and their hard drive crashes . . . and a parade of horrible things happen just to them . . . at the worst possible time.  Repeatedly.  I'm not buying it being too simple.  Why?  I'm confident that even though I don't know anything about Florida law . . . discovery deadlines aren't within mailing days.  Their story sounds so implausible it hurts.  They said there was a complaint filed within 90 minutes or thereabouts of a threatening letter . . . even if someone was on that electronic system you'd never get a response in 90 minutes so what are we missing?  Plus - they KNEW they were moving?  And mail forwarding did *nothing*??  And they **knew** there was an online system . . . but they *never* did anything about it  This whole thing stinks of: should have gotten a lawyer.


"There are a couple of reasons to diversify your assets. First, since we cannot predict which of our investments will perform best, we want to ""cast our net"" broadly enough to have something invested in what's going to be performing well. Second, diversification isn't intended to provide the highest returns, but rather it is used to soften the effects of market volatility. By softening the downsides and lowering the overall volatility among our assets, returns are more consistent.  If a model does not address future downside risk it is only telling you part of the story. (Past performance does not guarantee... you get the picture)"


For big values the loss becomes negligible. Say you have a 10% chance to get 10 million $/€/Whatever, expected value 1m. You sell that chance for 990k, which loses you 10k of expected income. Why would you throw away 10k? Because in the face of getting almost 1m the 10k are insignificant, 1m and 990k will make you roughly equally rich. Also the richness increase from 1m to 10m is less than 10x since 1m gives you maybe 90% of the freedom that 10m does (depending on how well you can make 10m work for you, most people will just let it rot in the bank). Another way to look at it is to look at bankruptcy risk. Say I have 10k in the bank, which is nice. Those 10k cannot pay for a new house or 2 cars (mine and the one I hit), so I have a small risk of significant loss. If I buy an insurance I reduce my chance of going bankrupt from maybe 0.001% to 0% for a fairly small price. Usually you can buy insurance fairly cheap if you raise your deductible to maybe 5k (both for the house and the car) so that you shoulder the risk you can (shouldering risk = gaining money) and paying an insurance to shoulder the rest for you. That way you minimize the cost to remove the risk of bankruptcy. It makes sense to shoulder as much risk as you can (unless a fixed fee of the insurance makes in unfeasible) before paying others to do it for you so you can optimize your income while removing fatal risks.


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"The statement that contractors outnumber troops on the ground is correct. That over 10K contractors were used for ""security"" also speaks to the privatization of the military. The attempt at nation building was a military venture.   I'm not even saying outsourcing the military is wrong (or right), just that it's reality. Quibbling over how many carry guns versus wash dishes isn't the point, really."


I really like Rocky's answer, some more info: Keep in mind there is no limit on punitive damages.  You could sue for the pants (160) + the filling fee (50) + a reasonable hourly rate to compensate your time (assume 200) + punitive damages of  4590 (assume 5000 limit on small claims court).  When facing a suit of 5000, it could be much cheaper to settle for 160. Keep in mind you don't have to take it.  Once you file you may only settle for the pants plus filling fee.  Once you actually get to court, you may only settle for the pants + filling fee + some time compensation. If you have the claim ticket, you will win.  The question becomes how much punitive damages could you also win?  Filling fee, easy.  The compensation for your time, very likely.   Once the owner is served a summons, they will probably go to a lawyer.  The lawyer will tell them to settle ASAP.  Use that to your advantage.   One thing you might be able to settle for is free dry cleaning.  They might give you the $160, plus another $160 in free dry cleaning...if you are willing to use them again.


I don't think BPS or Cabela's need to have many locations. Around my area they're ~~their~~ a destination shopping experience. People will drive 2 or 3 hours just to go look around and eat at the attached restaurant, even though they likely have an Academy in their home town with a Twin Peaks / Hooters right next to it.


Ah yes - once again can't back up anything and instead of arguing the point you would much rather launch ad hominem attacks.   Lol - don't worry about my future - I'm pretty set, but then again I didn't get my MBA right out of undergrad.


Her Facebook statuses are public. Feel free to check her on there. You want my name as well to cross-reference the validity of me and who I am? The NSA spies on us already. I also survived the Teletubbies in their original forms. I'm not afraid.


And people who are older, and don't have a firm grasp on computers, often have surprising connections and resources.  As annoying as it can be, at times, to talk that 80 year old person through something incredibly basic (that you may have already explaining to them before), they can often have more impact on your company than the general public of the tech savvy crowd.


"Its bandwidth, so no, it wouldn't clog up the ""tubes"" like a highway. Everyone who quotes has a fixed amount of bandwidth and an exchange can cut off a firm's connection. The exchanges know who is quoting- you have to buy connections to them to do this stuff. Every exchange I have seen has reporting capability to see who is quoting what, and who is trading what.   Whoever is doing this isn't making any money, because they didn't trade anything! Servers and connectivity are expensive, so they are actually losing money. This situation is almost certainly due to either a new algo ""soft launching"" or being tweaked and having its parameters set too conservatively."


Google finance will allow you to import earnings report dates directly to your Google calendar. See screenshot with calendar import button circled in red below.


[this seems relevant](http://hipcrime.blogspot.com/2012/06/what-might-have-been.html)  *...we cannot go on for much longer economizing on labor faster than we can find new uses for it. That road leads to a division of society into a minority of producers, professionals, supervisors, and financial speculators on one side, and a majority of drones and unemployables on the other.*


> What IS criminal, is faking the loan paperwork and KNOWINGLY passing along fraudulently obtained loans.  Its pretty obvious that they would need to deceive the MBS buyers about the creditworthiness of the loans in order to sell them.  By knowingly targeting unsophisticated poor people to take large expensive loans, they were knowingly engaging in activity that is necessarily fraudulent from the top down.


that was not the argument posited, and it would be superfluous if it were. it does nothing to challenge hanauers argument, as hanauer acknowledges this tenet which further informs his broader view that this phenomenon results in the absence of economic growth.


To dig a little deeper, a number of analysts within (and without) Reuters are polled for their views on individual stocks and markets on buy-hold-sell. The individual analysts will be a varied bunch of fundamentalists, technical, quant and a mixture of the three plus more arcane methodologies. There may be various levels of rumors that aren't strong enough to be considered insider trading, but all of these will give an analyst an impression of the stock/market. Generally I think there isn't much value there, except from the point of view if you are a contrarian trader, then this will form a part of the input to your trading methodology.


"In the normal course of events, you should receive a separate check for the amount of the purchase, and that amount should not be included in your wages as shown on your W-2 statement.  If the amount is included on your paycheck, it should still be listed separately as a non-taxable item, not as part of wages paid.  In other words, the IRS should not even be aware that this money  was paid to you, there is no need to list the amount anywhere on your  income tax return, and if you are paranoid about the matter, staple the stub attached to the reimbursement to a copy of your bank statement showing that you deposited the money into your account and save it in your file of tax papers for the year, just in case the IRS audits you and requires you to document every deposit in your checking account.  The amount is a business expense that is deductible on your employer's tax return, and your employer is also required to keep documentation that the  employee expense reimbursement plan is running as per IRS rules (i.e., the employer is not slipping money to you ""under the table"" as a reimbursement instead of paying you wages and thus avoiding the employer's share of FICA taxes etc) and that is why your employer needs the store receipt, not a hand-written note from you, to show the IRS if the IRS asks. You said you paid with ""your own cash"" but in case this was not meant literally and you paid via credit card or debit card or check, then any mileage award, or points, or cash back for credit card use are yours to keep tax-free, and any interest charges  (if you are carrying a revolving balance or paid through your HELOC) or  overdraft or bounced check fees are yours to pay."


This all boils down to insurance companies.  Most policies require drug testing or companies face a huge increase in premiums.  Then you look at who owns the insurance company, or rather, what companies they're invested in.    Private prisons? Check.   Oil? Check.   Timber? Check  Pharma?  Check.  Then you start to understand that these companies don't want cannabis to become legal. It competes with nearly every major industry.


">(a) people who choose not to work, in which case they have no business receiving anything but basic food and shelter from society,  But currently they don't even receive that.  The actual effect of the lack of housing/food and basic-income programs is that the living wage, the minimum necessary wage necessary to make it *worth working*, is much higher than we need it to be if we really want to ""compete"".  >The only reason unemployment is so bad today is because America is losing many jobs to technology and globalization and not finding ways to compete and our work force can't handle many of the new jobs anyways.   The systematic transfer of wealth from labor to capital nowadays plays no part?  Come on!"


"I would recommend putting it on a credit card, just not your current credit card. Run a Google search for ""credit cards with good signup bonuses"" and you will potentially come across these links: http://www.cardrates.com/advice/11-best-signup-bonus-credit-cards/ https://www.nerdwallet.com/blog/top-credit-cards/best-credit-card-offers/ There are cards out there which can qualify you to: The $150 back on a $500 purchase is an instant 30% ROI. The best stock options couldn't guarantee you that kind of return. You will instantly meet the criteria and get $150 + $25 (1% cash back on the full $2,500) The only stipulation is that in order to fully benefit from the rewards, you must pay off the card in full when your bill comes in or else you will pay steep interest. After a year or so you can cancel the card. If you want, sign up for two or three cards and split the payment. Reap the rewards from multiple credit cards. I wish I had done this with my college tuition; it was a tough pill to swallow when I forked over $3,000 at the registrar's office for one semester :-( I had the potential to realize a savings of $900 in one semester alone. Would have been nice to apply such a kickback against buying my books. If you work things out correctly then you can save 30% ($750) on your total purchase. That's one way to not run yourself dry. Disclaimer: By following these steps you will be triggering at least one hard inquiry against your credit. Each hard inquiry has the potential to lower your credit rating. If you do not plan to use your score to apply for any major loans (e.g. car or house) then this reduction in credit will have basically no impact on your day-to-day life. Assuming you continue using your credit responsibly then your credit should just bounce right back to where it was in no time. I know there are many people out there that cherish their score and relish in the fact that it is so high but it's for moments like these that make it worthwhile to ""spend"" your credit score. It's an inanimate number whose sole purpose is to be ""spent"" in times like these."