On form 8829, line 20 you can list utilities paid for the home office. You have two choices: 1) You can list the entire amount under column (b) as an indirect expense. You will then get a deduction for the fraction of the amount based on what fraction of your home is an office. This makes sense if the service equally benefits your entire home. 2) You can compute the portion of the expense reasonably attributable to the business/office and list that amount under column (a). This entire amount will be deducted. Which option you choose depends on how well you think you can allocate the expense between your office and the rest of your home. For example, I have had to do this with electricity, but I specifically measured the electricity used by my office. If you think you can defend allocating a larger portion to the office, use option 2. If you would have paid the same amount even if you didn't have an office, it's hard to justify allocating more of the expense to the office than its portion of the home. If you opted for a more expensive service or otherwise incurred additional costs, it makes sense to allocate a higher fraction to the office and to calculate that yourself.


Batteries are very cheap... if you have service stations to exchange them. Then, you can use much cheaper batteries that don't have such a long range.  Also, with battery exchange service stations, you DO NOT pay for the batteries as part of the car. Do you realize that?  You only pay for the electricity charged into the batteries... very very cheap.


>You don't know anything about that person to hint at that being true for him  I'm just agreeing with that, some people have it easy, some people don't but make something of themselves anyway, and some people use being cynical and apathetic as a crutch to avoid ever trying.


Many business owners simply cannot afford to procure office space. An obvious solution to this problem may be what is referred to as a virtual office. A virtual office offers many of the benefits of an actual office without an expensive lease. A virtual office can be especially appealing to small startup businesses which simply haven't grown large enough yet to start looking for commercial office space.


Yes, please network. Get good grades, but network is critical. Professors are usually great for that too along with recommendations to get your foot in the door.  Join clubs with leadership roles, be active etc.  It's going to be a lot of work, but you are a student and that's your job to be a great student.


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You're assuming the Supreme Court will take this case, they may not.  Uber is a private company, it doesn't need to follow the Constitution.  The Constitution places a limitation on what the government can do, not private companies (as long as they are operating in a lawful manner).  No one is forcing you to use Uber, if you don't want to sign away your right to sue, don't use Uber.  It's as simple as that.


I've often encountered the practices you describe in the Netherlands too. This is how I deal with it. Avoid gyms with aggressive sales tactics My solution is to only sign up for a gym that does not seem to have one-on-one sales personnel and aggressive sales tactics, and even then to read the terms and conditions thoroughly. I prefer to pay them in monthly terms that I myself initiate, instead of allowing them to charge my account when they please. [1]  Avoid gyms that lack respect for their members Maybe you've struggled with the choice for a gym, because one of those 'evil' gyms is very close to home and has really excellent facilities. You may be tempted to ask for a one-off contract without the shady wording, but I advise against this.  Think about it this way: Even though regular T&C would not apply, the spirit with which they were drawn up lives on among gym personnel/management. They're simply not inclined to act in your best interest, so it's still possible to run into problems when ending your membership. In my opinion, it's better to completely avoid such places because they are not worthy of your trust. Of course this advice goes beyond gym memberships and is applicable to life in general. Hope this helps. [1] Credit Cards aren't very popular in the Netherlands, but we have a charging mechanism called 'automatic collection' which allows for arbitrary merchant-initiated charges.


Advantage of cash: You can spend the money without having to pay any fees or taxes to get it out. Disadvantage: When inflation is greater than zero, which it has been for many decades, your cash is continually losing value. Advantages of an IRA (Roth or classic): Your money will usually grow as the investments return a profit. You get special tax benefits. Disadvantages: There's risk -- you may lose money. There are tax penalties for withdrawing the money before retirement. In general, you should only put money in an IRA if you expect to leave it there until you retire. Or at least, for a long time. Whole life is a combination of a life insurance policy and an investment. Advantages: Combines insurance and investment into one convenient monthly payment. Disadvantages: The investment portion typically has lower returns than you could get elsewhere. If you have no need for life insurance -- if you're not supporting anyone or you're confidant they could get along without you or you don't like them and don't care what happens to them when you're gone or whatever -- then there's no point buying life insurance, whole or term. You're paying for a product that you don't need. It's pretty common advice to tell people that instead of buying a whole life policy, they should buy a term policy with the same coverage, and then invest the difference in the premium. For example, if you were considering getting a $100,000 whole life policy that costs $50 per month (just making up numbers, of course it depends on your age, health, etc), and you see you could get a $100,000 term life policy for $30 per month, you will almost certainly do better in the long run to buy the $30 term policy and put the other $20 into investments. The catch to this plan is that there are usually transaction costs to investing. Even a discount broker like Ameritrade or Scott Trade charges around $10 per transaction. So if you tried to invest $20 each month, you'd lose half of it to transaction fees. Which means that in practice, you'd have to save that money up until you had at least a few hundred. And at that point many people find other things always seem to come up to spend the money on, so that while they start out with every intention of investing this money, they don't.


The way I read this, you've been effectively paying $100 per month toward a $5,000 loan at $10% per year.  Excluding the fact that there is another balance attached to the loan. After 36 months there's roughly $2,718 remaining on the $5,000, assuming there have been no late fees etc and your $100 is all that's being applied to your balance.


If there are no traded options in a company you can get your broker to write OTC options but this may not be possible given some restrictions on accounts. Going short on futures may also be an option. You can also open a downside CFD (contract for difference) on the stock but will have to have margin posted against it so will have to hold cash (or possibly liquid assets if your AUM is large enough) to cover the margin which is unutilized cash in the portfolio that needs to be factored into any portfolio calculations as a cost. Diversifying into uncorrelated stock or shorting correlated (but low div yield) stock would also have the same effect. stop loss orders would probably not be appropriate as it is not the price of the stock that you are concerned with but mitigating all price changes and just receiving the dividend on the stock. warning: in a crash (almost) all stocks become suddenly correlated so be aware that might cause you a short term loss. CFDs are complex and require a degree of sophistication before you can trade them well but as you seem to understand options they should not be too hard to understand.


"Disagree, there's a reason why econ profs do not tell people to read ""Wealth of Nations"". It's long-winded, not easily digestible, is mostly commentary on the current political climate of his day, and a lot of progress has been made in the last 150 years; you can get a much better understanding of economic theory in about 10 pgs from any modern book, specifically the Varian textbook used by almost every university in the US.   Your advice is akin to telling someone to go read Euclid's ""Elements"" if they want to understand geometry."


Keep in mind they raised our taxes temporarily under Quinn, generated $31 Billion extra, and the state was worse off afterwards.  The pension hole was $17 Billion larger after the tax hike and they only paid down about $4 Billion in outstanding bills.       We need a tax hike but we have a spending problem too.    edit: The word spending


This definitely depends on your situation. If  your furnace is relatively young it's probably not going to require major service anytime soon so you may not need it. As @sdg said, if you can tolerate a couple of days with no heat, you may not need it. If you have access to trusted HVAC repairman, you may not need it. Mind if I ask how much they're charging? There's definitely a pain threshold that will vary based on your needs.  For example, I'd be willing to pay up to $10. But that's mostly because of the annual maintenance check. If I had an older system or depended on it more, my pain threshold would be higher. My local gas company offers this service for around $20/month. That's not worth it to me because I'm estimating (i.e. guessing) that any repairs I need to do in the next 5 years will cost less than 5*12*20 = $1200.


It is very important to get the right spoiler wings if you love to drive at faster speeds, that too safely. Moshammer have a good grasp over spoiler wings, especially duck tail spoiler wings. They are made up of light weight materials that ensure your flying with beautiful wing at the back, without adding any extra weight o your car. They also make sure to do this at a cost that is economical and within your budget.


"This is the best tl;dr I could make, [original](https://www.theguardian.com/environment/climate-consensus-97-per-cent/2017/aug/07/fossil-fuel-subsidies-are-a-staggering-5-tn-per-year) reduced by 89%. (I'm a bot) ***** > According to the authors, these subsidies are important because first, they promote fossil fuel use which damages the environment.  > The authors then quantify what benefits would be achieved if the fossil fuel subsidies were reformed.  > A key motivation for the paper was to increase awareness among policy makers and the public of the large subsidies that arise from pricing fossil fuels below their true social costs-this broader definition of subsidies accounts for the many negative side effects associated with the consumption of these fuels.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6t15pc/fossil_fuel_subsidies_are_a_staggering_5_tn_per/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~188614 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **subsidy**^#1 **fuel**^#2 **Fossil**^#3 **authors**^#4 **cost**^#5"


Phone invitations are direct, more personal, and highly effective in delivering event information to a wider audience base. Marketing an event through telephone allows you to modify and improve your presentation while accelerating prospect engagement, right from the first call to all the way up to the big day.


"It is difficult to find investment banks that offer both low fees and low minimum investments. If you google around for ""no-fee low-minimum mutual funds"" you can find various articles with recommendations, such as this one.  One fund they mention that looks promising is the Schwab Total Stock Market Index Fund, which apparently has a minimum investment of only $100 and an expense ratio of 0.09%.  (I've never heard of this fund before, so I'm just repeating the info from the site.  Be sure to look into it more thoroughly to see if there are any hidden costs here.  I'm not recommending this fund, just mentioning it as an example of what you may be able to find.) Another possibility is to make use of funds in an existing brokerage account that you use for yourself.  This could allow you to make use of Craig W.'s suggestion about ETFs.  For instance, if you already have a brokerage account at Vanguard or another firm, you could add $100 to the account and buy some particular fund, mentally earmarking it as your daughter's."


"Even though this isn't really personal finance related I still feel like there are some misconceptions here that could be addressed. I don't know where you got the phrase ""pass-through"" insurance from.  What you're describing is a self-funded plan.  In a self-funded arrangement an employer contracts a third-party-administrator (TPA), usually one of the big health insurance carriers, to use it's provider network, process and adjudicate claims, etc.  In addition to the TPA there will be some sort of stop-loss insurance coverage on each participant.  Stop-loss coverage usually provides a maximum amount of risk on a given member and on the entire population for a given month and/or year and/or lifetime.  The employer's risk is in between the plan deductible and the stop loss coverage (assuming the stop-loss doesn't have a maximum). Almost all of the claim dollars in a given plan will come from very very few people.  These costs typically arise out of very unforeseen diagnoses not chronic issues.  A cancer patient can easily cost $1,000,000 in a year.  Someone's diabetes maintenance medicine or other chronic maintenance will cost no where near what a botched surgery will in a year. If we take a step back there are really four categories of employer insurance. Small group is tightly regulated.  Usually plan premiums are filed with a state authority, there is no negotiating, your group's underwriting performance has zero impact on your premiums.   Employers have no way of obtaining any medical/claim information on employees. Mid-market is a pooled arrangement.  The overall pool has a total increase, and your particular group performs better or worse than the pool which may impact premiums.  Employers get very minor claims data, things like the few highest claims, or number of claims over a certain threshold, but no employee specific information. Large-group is a mostly unpooled arrangement.  Generally your group receives it's own rating based on its individual underwriting performance.  In general the carrier is offloading some risk to a stop-loss carrier and employer's get a fair amount of insight in to claims, though again, not with employee names. Self-funded is obviously self-contained.  The employer sets up a claims checking account.  The TPA has draft authority on the account.  The employee's typically have no idea the plan is self funded, their ID cards will have the carrier logo, and the carrier deals with them just as it would any other member.  Generally when a company is this size it has a separate benefits committee, those few people will have some level of insight in to claims performance and stop-loss activity.  This committee will have nothing to do with the hiring process. There are some new partially self-funded arrangements, which is just a really low-threshold  (and relatively expensive) stop-loss program, that's becoming somewhat popular in the mid-market group size as employers attempt to reduce medical spend.   I think when you start thinking on a micro, single employee level, you really lose sight of the big picture.  Why would an employer hire this guy who has this disease/chronic problem that costs $50,000 per year?  And logically you can get to the conclusion that with a self-funded plan it literally costs the company the money so the company has an incentive not to hire the person.  I understand the logic of the argument, but at the self funded level the plan is typically costing north of half a million dollars each month.  So a mid-level HR hiring manager 1. isn't aware of specific plan claims or costs and is not part of the benefits executive committee, 2. won't be instructed to screen for health deficiencies because it's against the law, 3. a company generally won't test the water here because $50,000 per year is less than 1% of the company's annual medical expenses, 4. $50,000 is well below the cost to litigate a discrimination law-suit.    Really the flaw in your thought process is that $50,000 in annual medical expense is a lot.  A harsh child-birth can run in the $250,000 range, so these companies never hire women?  Or never hire men who could add a spouse who's in child bearing years?  Or never hire women who might have a female spouse who could be in child bearing years?  A leukemia diagnosis will ratchet up $1,000,000 in a year.  Spend a bit of time in intensive care for $25,000 per day and you're fired?  A few thousand bucks on diabetes meds isn't anything relative to the annual cost of your average self-funded plan. The second flaw is that the hiring managers get insight in to specific claims.  They don't. Third, you don't hand over medical records on your resume anyway. I typed this out in one single draft and have no intention of editing anything.  I just wanted paint a broad picture, I'm sure things can be nit-picked or focused on."


This is part of a much larger battle over ecommerce, taxes and jobs. That some significant percentage of economic activity is migrating to the web has been apparent for years. The partisans in this fight are scrapping over the rate of change. Time to join the revolution and make it work for you rather than hoping it will go away.


> These are the same products, sold in the same store, but with a new price  I want to revisit this question in a couple of months' time.   The drop in prices is going to get a lot of new foot-traffic, people who don't care so much whether the bananas are organic or fair-trade.  Will Amazon keep selling organic, fair-trade fruit when they no longer need to?


Yes, it should come out tax free. However you should have reported it  to the IRS at the time (currently it is done on form 8606). If you haven't done it, the IRS may disagree with you on that and require taxes. If you have proper documentation of the contribution, then when you withdraw from your IRA - you use that same form 8606 to calculate the non-taxable portion. Note that you cannot just take $2K out of the 1099-R, the non-taxable portion will be prorated through all of your IRA withdrawals. Also, keep in mind that only the actual after tax portion will be tax-free, the gains will be taxable. I.e.: if you deposited $2K after tax (and nothing else), and they have now grown to $100K - you will only have 2% of your distribution tax free (2k/100K * distributed amount).


which is a better way to structure a SIP, This is no one way better than other. SIP as you already know offers advantages in terms of averaging costs.  Given that transaction costs are same, averaging daily would be better from law of averages point of view. The only flip side to doing it daily is tracking, i.e. your Bank Statement is going to look horrible, recon as to what and how much got purchased will be horrendous. Further tracking liquidity could be an issue unless you use segregated accounts. i.e. you don't know how done you are with your investments. On monthly this is more easy, once you get salary and get investments and other mandatory payments out of way, you know what you have in the account for rest of the month. In the end I would put this more of convenience than anything else.


The island company was already bankrupt [link] (http://www.chicagotribune.com/news/nationworld/ct-puerto-rico-power-company-20170921-story.html).  The PR government and the failed company doesn't deserve a say in who is to rebuild the power grid especially when it's US money paying for it.  Their history of corruption should exempt them from it.


It is not necessarily proportional. 401k are all unique per the plan and how they are set up. It is impossible to find any two exactly alike. You should have separate buckets of the money types. Pre tax, after tax, roth, employer contribution,etc... If the plan is good you may have a Source Specific Withdraw option which allows you to take only roth or pretax at your choosing. They should track the growth of each bucket separately. It does indeed appear complicated but just think of it as different buckets of cash store in the same vault. Most people end up rolling over the 401k into an ira when they retire for flexibility to get out from under the plan rules. When you do this you will create a roth ira and a traditional ira. Then you can pick and choose when you want to take what type of money.


No one here seems to be suggesting a good website. Make sure the English is good on it. Take bookings on it. Have loads of happy customers talking about their experiences. Ask someone you know who speaks english to help you. Wix.com is a great place to start. You can do all this for free. Good luck


This might be a bit of r/conspiracy thinking but:  DOL fiducary rule has siginfcatly altered investment companies ability to make money on qualifed accounts. Many are still struggling to figure out how to adopt, monitor and be in compliance with it. This will hit the insurance companies hard too especially variable annuities providers since it is that much more difficult to justify their high cost products for rollovers unders DOL.   If you reduce the limit to 2,400 people are going to have to find other places to put money to continue to save.  If you already saving 18,000 or 10,000 or 5,000 a year your going to need a new place to put that money.  What other products are there that are tax deferred for non qualifed money? after tax annuities.   And since these dollars are no longer in qualified plans they are not subjected to the DOL fiducary rules.    If a variable annuity company comes out with a hybrid Qualified / non qualified account that allows you to have one contract with two accounts in it, the fix is in.  So maybe the insurance companies or the financial services companies lobbying groups or supported think tanks came up with the idea and served it to the government.   My tin foil hat is bolted on.


"I'd imagine it would only be a ""threat"" or interference in an election, if a person could prove that only people who voted for Obama were laid off. Otherwise it is just a blanket statement that says, if X candidate  wins there will be lay offs due to laws that will be enacted.  A better way for him to say it without being so politically charged would be to point out the specific laws and taxes that would affect his company and then allow his employee's to go determine how the candidates at large support/oppose those laws and taxes.  edit: For example: ""Law xx.xx.xx which is currently slated to go into affect on xx/xx/xxxx requires that companies of our size pay an extra xx% of revenue to the government. Due to this restriction I will need to lower labor costs in order to maintain a profitable company. If you feel this law should not be enacted I encourage you to contact your congressmen and do research on where your current presidential candidates lay their support.""   Still has the same message though."


No, there is no advantage.  There may be some peace of mind at no cost if you are already in the lowest tax bracket.  Otherwise, it is actually disadvantageous. Consider the following scenario: RRSP HBP withdrawal $15000 ($1000/y repayment), You are required to pay back $1000 a year with no tax advantage. Any additional RRSP payments can be designated as HBP (no tax advantage) or as a regular RRSP contribution Tax = (Taxable Income - contributions) * rate. So, you are forgoing the tax benefit for no advantage.


This seems heavily opinion based but I think there are some generic answers.


Or at least I saw it do so with Bank of America.


"Technically there could be a true cash fund, but the issue is it would need to have some sort of cost associated with it, which would mean it would have negative yield or would charge a fee.  In some cases, this might be preferable to having it invested in ""cash equivalents,"" which as you note are not cash.  It is important to note that there is nothing, even cash or physical precious metals, that is considered zero risk.  They all just have different risks associated with them, that may be an issue under certain circumstances.  In severe deflation, cash is king, and all non-cash asset classes and debt could go down in value.  Under severe inflation, cash can become worthless. One respondent mentioned an alternative of stopping contributing to a 401k and depositing money in a bank, but that is not the same as cash either.  In recent decades, people have been led to believe that depositing your money in the bank means you hold that in cash at the bank.  That is untrue.  They hold your deposit on their books and proceed to invest/loan that money, but those investments can turn sour in an economic and financial downturn.  The same financial professionals would then remind you that, while this is true, there is the Federal Deposit Insurance Corporation (FDIC) that will make you whole should the bank go under.  Unfortunately, if enough banks went under due to lack of reserves, the FDIC may be unable to make depositors whole for lack of reserves.  In fact, they were nearing this during the last financial crisis.  The sad thing is that the financial industry is bias against offering what you said, because they make money by using your money.  Fractional reserve banking.  You are essentially holding IOUs from your bank when you have money on deposit with them. Getting back to the original question; you could do some searching and see if there is an institution that would act as a cash depository for physical cash in your IRA.  There are IRA-approved ways of holding physical precious metals, which isn't all too different of a concept from holding physical cash. 401k plans are chosen by your company and often have very limited options available, meaning it'd be unlikely you could ever hold physical cash or physical precious metals in your 401k."


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"The first question I have to ask is, why would your ""friend"" even be considering something so ridiculous?  There are so many variations of the banking scam running around, and yet people can't seem to see them for what they are -- scams.   The old saying ""there's no such thing as a free lunch"" really comes into play here.  Why would anyone send you/your friend $3,000.00 just because they ""like you""?  If you can't come up with a rational answer to that question then you know what you (or your friend) should do -- walk away from any further contact with this person and never look back! Why?  Well, the simple answer is, let's assume they DO send you $3,000.00 by some means.  If you think there aren't strings attached then all hope is lost.  This is a confidence scam, where the scammer wins your trust by doing something nobody would ever do if they were trying to defraud you.  As a result, you feel like you can trust them, and that's when the games really begin.   Ask yourself this -- How long do you think it will be (even assuming the money is sent) before they'll talk you into revealing little clues about yourself that allow them to develop a good picture of you?  Could they be setting you up for some kind of identity theft scheme, or some other financial scam?  Whatever it is, you'd better believe the returns for them far outweigh the $3,000.00 they're allegedly going to send, so in a sense, it's an investment for them in whatever they have planned for you down the road. PLEASE don't take the warnings you get about this lightly!!!  Scams like this work because they always find a sucker.  The fact that you're asking the question in the first place means you/your ""friend"" are giving serious thought to what was proposed, and that's nothing short of disaster if you do it.   Leave it be, take the lesson for what it's worth before it costs you one red cent, and move on. I hope this helps. Good luck!"


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You recognize expense when you sell the hot dog. When you pay for the buns you have inventory, which is an asset. When you sell the hot dog - you have cost of goods sold, which is the expense. Expense principle says that you recognize expense when you use the product. You use the buns when you actually sell the hot dog, not before. The matching principle is also honored because you recognize expense of the buns at the time of recognizing revenue of the hot dog.


The reason for borrowing instead of paying cash for major renovations should be the same for the decision about whether to borrow or pay cash for the home itself.  Over history, borrowing using low, tax-deductible interest while increasing your retirement contributions has always yielded higher returns than paying off mortgage principal over the long term. You should first determine how much you need to save for retirement, factor that into your budget, then borrow as much as needed (and can afford) to live at whatever level of home you decide is important to you.  Using this same logic, if interest rates are low enough, it would behoove you to refinance with cash out leveraging the cash to use as additional retirement savings.


Yes, a business account at Chase bank offers free incoming wire transfer fees when you keep a minimum balance of over 100k. It's the only one I have found.


You've already counted the cost. It will cost your family ~$10,000 per month until your father dies, or until there's no money left, to enable him to pretend that he is a successful business owner. I'd ask him when he thinks business is going to pick up again.  He may be honest with himself. Or, ask him to consider what will happen if he outlives the money that's going out the door.  Ask him if he would like to be bankrupt on top of needing to close his business. (I don't view asking those questions as being unloving, by the way.)


Detroit would do better to fix the city *first* and thereby attract people and companies rather than doing it in the backwards way it is now. Right now, though, there are plenty of local die-hard Detroit proponents that won't even raise their kids in the city or send them to school there. If Detroit can't even lure people back from the Detroit suburbs, how is it going to land lots of people from much healthier and more vibrant places?


I wasn't real impressed with the journalism.  It's just a list of accidents and emotional appeal.  Industrial accidents happen everywhere, not just Alabama.  Believe it or not - you don't remove someone's crushed limb because they'll bleed to death.  Yes - that's what people are trained to do - leave them in till the ambulance gets there.   And the guy apparently just entered a press without communicating with the operator or employing any lockout/tagout protocols?  Having worked in factories most of the incidents were people doing exactly what they were trained to not do.


Once wealth accumulates in the hands of a few, they're less likely to spend it, as opposed to when there's smaller amounts of wealth in the hands of many. That's one of the primary arguments for more economic equality.  You then also have the case of that wealth being used to generate more wealth without really adding anything of value. Employing hedge fund managers, bankers, lawyers, and accountants to manage large amounts of that wealth in order to use it to generate more wealth, sometimes in ways that doesn't benefit society at all, and sometimes even to its detriment (toxic assets, tax evasion, etc).   Overall, this has the effect of weakening the economy, at the very least inhibiting its growth, and I don't possibly see how you could argue that a weaker economy benefits *anyone*, especially those in the best position to take advantage of the goods produced by a stronger economy (the wealthy). A stronger economy means more and better goods on the market, that the rich can then benefit from. I don't think the luxury goods market would go anywhere either, and may even allow it to grow because of the people who are just under the wealthiest would get richer with more equality (remember it's only the top 10% who benefit from the current massive inequality).


You need to find a fiduciary advisor pronto. Yes, you are getting a large amount of money, but you'll probably have to deal with higher than average health expenses and lower earning potential for years to come. You need to make sure the $1.2 million lasts you, and for that you need professional advice, not something you read on the Internet. Finding a knowledgeable advisor who has your interests at heart at a reasonable rate is the key here.  These articles are a good start on what to look for: http://www.investopedia.com/articles/financialcareers/08/fiduciary-planner.asp https://www.forbes.com/sites/janetnovack/2013/09/20/6-pointed-questions-to-ask-before-hiring-a-financial-advisor/#2e2b91c489fe http://www.investopedia.com/articles/professionaleducation/11/suitability-fiduciary-standards.asp You should also consider what your earning potential is. You rule out college but at 26, you can have a long productive career and earn way more money than the $1.2 million you are going to get.


"lol, please, calculate the correlation and let me know how close to 1 it is. And then let me know what kind of sensible economic model looks like SPX Level = const + beta * Fed Balance Sheet Level. That's a great way to just throw useful statistical inference out the fucking window.  Edit: I'd also like to make it abundantly clear that this is a monumentally retarded ""correlation"" to consider in the first place. The Fed balance sheet prior to 2008 was relatively tiny and unchanging, and yet the stock market was just as volatile in prior years."


If you have a one-time event, you are allowed to make a single estimated payment for that quarter on Form 1040-ES.  People seem to fear that if they make one such payment they will need to do it forevermore, and that is not true.  The IRS instructions do kind of read that way, but that's because most people who make estimated payment do so because of some repeating circumstance like being self-employed. In addition, you may qualify for one or more waivers on a potential underpayment penalty when you file your Form 1040 even if you don't make an estimated payment, and you may reduce or eliminate any penalty by annualizing your income - which is to say breaking it down by quarter rather than the full year.  Check on the instructions for Form 2210 for more detail, including Schedule AI for annualizing income.  This is some work, but it might be worthwhile depending on your situation. https://www.irs.gov/instructions/i2210/ch02.html


The key to good investing is you need to understand what you are investing in. That is, if you are buying a company that makes product X, you need to understand that. It is a good idea to buy stock in good companies but that is not sufficient. You need to buy stock in good companies at good prices. That means you need to understand things like price to earnings, price to revenue and price to book. Bob


There is no way you can directly defer that capital gains tax. If you sell a property that is not your principal residence, it will be taxed in the year in which it was sold. It doesn't matter what you do with the proceeds - that tax will get paid. Now, if you had adequate RRSP contribution room you could certainly put some money there, and would get a deduction on your tax return that would offset this capital gains tax. For example, if you sold a property for $300K that was originally purchased for $200K, then you would incur capital gains tax of $50K (assuming you were not claiming CCA deductions). If you took $50K of your proceeds and put it in an RRSP, it would offset the tax you pay now, and essentially defer the tax on that $50K of income until you withdraw - hopefully at a lower marginal tax rate. A spousal RRSP would work the same, except it would be taxed at your spouse's marginal tax rate when withdrawn. Either way, you need to have sufficient contribution room in the RRSP for this to work. Check your Notice of Assessment to see how much room you have available.


Business expenses reduce business income. The SE tax is paid on business income. The credit for 1/2 the SE tax is based on the amount of SE tax paid. So:


"http://www.bell.ca/Bell_TV/Channels/Special_Interest_Programming.tab  https://www.rogers.com/web/Rogers.portal?_nfpb=true&_pageLabel=PTV_PROG_CHANNEL&forwardTo=themePack&group=1&N=125+12+4294967120+4294949430+4294944567  http://www.shaw.ca/television/programming/theme-packs/  (click on the news theme pack)  From the comments in the article you link:  ""Fox News Channel is currently offered by Access Communications, Bell TV, Cogeco, Eastlink, Manitoba Telecom Services, Rogers, SaskTel, Shaw Cable, Shaw Direct and Telus TV.""  Don't believe wikipedia? Here is proof that Fox News is broadcast in Canada:  www.myaccess.ca/Home/Communities/AC3/AtHome/TV/ChannelLineup/Networks/tabid/2486... This is from just ONE of the many cable providers in Canada, I don't have time to look at all of them. If you still insist on spreading lies, it's a good thing you aren't in Canada because you would be censored.   .....so it seems you're being lied to by people you go to for information. So wise up."


"Hypothetical question w/ no actual ability to implement, so pick a hypothetical answer.   I'm guessing you feel they're milking tragedy for ratings.   Assuming a non-cynical perspective for a moment: Psychology 101; talking through stressful thoughts helps reduce stress.   It's not a new phenomenon, since radio of the 30's talk show hosts have historically played ""the voice of the public"" who talked through stressful times & even helped people come to terms with major stressors such as war or other disasters.  Talk shows have always instilled a sense of community; yes it's somewhat contrived, but in truth certain shows have certain defined viewpoints that speak to aligned social groups.  People feel better, even if nothing tangible has changed, and that can be a good thing."


Is Zellers was such a quality company, it would not have been bought out.  So the company, stock and locations were valuable. The staff might hae been part of the problem. In addition most of the jobs do not require any type of skills. This is called entry level work.  This is what you start doing when you have no skills,  get more experience, go to a college or trade school to get more knowledge to become more valuable.


Some kinds of hate and intolerance are good though, so I hope they choose wisely.   Hate towards violence? Good.  Intolerance of racism? Good.  See what I mean?   Where it gets dicey though, is hate towards another viewpoint? Intolerance of a different opinion? Slippery slope, I tell ya.


"Read up on filing an ""amended tax return"".  Essentially you'll fill out the entire return as it should have been originally, then fill out form 1040X stating what has changed (and pay the additional tax due if needed).   According to TurboTax's website, they have partnered with Sprintax for non-resident tax prep.  I am not vouching for the service; just offering it as information."


"Actually the reason isn't because of the gold standard. The real reason is because we have seen a sharp increase in fruit imports over the past 5 decades.  Productivity is up rather dramatically as compared to 40 years ago. Maybe you mean manufacturing?  The reason you're seeing the gains over the past several years shifting towards the rich is due to a combination of tax policy and a rise in cronyism caused by our campaign financing problems. Big businesses often have a lot of lobbying power to get laws passed that ultimately are felt by the  rest of the economy.   Fiat currency is a good thing for countries like the United States. We can safely finance and pay our debts for a few more years while wracking up debt without fear of hyperinflation. Now, there may be a lot to gripe about how the United States is *currently* spending its money, but it's established ""practical"" fact that government investment can spur growth, level out recessions, help people, etc.  **TL;DR The Gold Standard sucks, it has a lot of problems. Fiat Currency rocks for the USA because USA Fuck yeah! We are in a particular advantage where the real risks of fiat currency don't really apply to the USA**"


It depends on your career objectives, and what type of firm you want to end up at. Ranked 22 is still a good school.  If you want to start your own firm, then school rankings don't matter at all.  In my experience: hard work and emotional intelligence have more currency than going to a top 10 school.


Oh man. I love a dumb semantic argument with a troll. So troll, what exactly is the difference in this context between 'powers' and 'rights' and why does it matter so much that you need so very badly to point it out to everyone?


NapiGator SEO is Sacramento's leading SEO Agency. Unlike other local agencies who pass your crucial SEO tasks across to juniors or outsourced teams, here at NapiGator Sacramento, we believe that your business and your results are the most important part of our business. This is why we proudly deliver all work in-house by industry leading professionals. If you've had previous SEO, let us know, and we'll do a free analysis, and will find the exact reason why you're not ranking like you'd hoped.


Title is overblown.    FTA:  > Citing the fine print on Social Security projected-income statements that explains by 2034 **there will only be enough money to meet 79% of the obligation**, Mr. Beagle tells clients between ages 50 and 60 to not count on more than 75% of their projected benefit  Social security won't disappear.  It might be cut by 20% to 25%, if Congress does nothing.


(more like 10 years ago, but that's beside the point) Save, save, save! Both in the notion of squeezing as much value as you can out of every purchase and the notion of putting money away in a savings account.


Coinstar will charge zero if you will take one of the gift cards they offer. Since my daughter likes iTunes, a $20 gift card is just as easy to get at the Coinstar machine as anyplace. They offer a multitude of choices, Amazon gift cards among them.  Really, stop saving coins. It's no big deal to give a cashier at the supermarket up to 10 pennies, or a toll guy $2 in coins. Just don't give the toll guy $1 in pennies. Remember, stores often need coins or $1/$5 bills, so they are happy to take them as long as the timing is right.


Here is a list of threads in other subreddits about the same content:   * [India's Banks Need More Than a Bailout](https://www.reddit.com/r/Economics/comments/78stf0/indias_banks_need_more_than_a_bailout/) on /r/Economics with 1 karma (created at 2017-10-26 10:53:41 by /u/DoremusJessup)  ----   ^^I ^^am ^^a ^^bot  ^^[FAQ](https://www.reddit.com/r/DuplicatesBot/wiki/index)-[Code](https://github.com/PokestarFan/DuplicateBot)-[Bugs](https://www.reddit.com/r/DuplicatesBot/comments/6ypgmx/bugs_and_problems/)-[Suggestions](https://www.reddit.com/r/DuplicatesBot/comments/6ypg85/suggestion_for_duplicatesbot/)-[Block](https://www.reddit.com/r/DuplicatesBot/wiki/index#wiki_block_bot_from_tagging_on_your_posts)  ^^Now ^^you ^^can ^^remove ^^the ^^comment ^^by ^^replying ^^delete!


"A direct gift to a person is never deductible. The kind relative was confusing this with a charitable gift. Which if to a qualified charity can be deducted as part of your itemized deductions. But there, the $14K doesn't enter the equation.  But, if your wife is a dog lover, you can donate to the ASPCA, and give her a note saying ""in your honor I donated $14K to the ASPCA."" That's a deduction."


An issue with the initial plan was that the house was gifted to you. Therefore you owned it. Now two years later you wanted to get a mortgage. The IRS would look at it as a home equity debt not a home Acquisition debt, and the interest on the first $100,000 of home equity dept is deductible. This is from IRS pub 936 Mortgage treated as used to buy, build, or improve home.   A mortgage   secured by a qualified home may be treated as home acquisition debt,   even if you do not actually use the proceeds to buy, build, or   substantially improve the home. This applies in the following   situations. You buy your home within 90 days before or after the date you take out the mortgage. The home acquisition debt is limited to the home's   cost, plus the cost of any substantial improvements within the limit   described below in (2) or (3). (See Example 1 later.) You build or improve your home and take out the mortgage before the work is completed. The home acquisition debt is limited to the   amount of the expenses incurred within 24 months before the date of   the mortgage. You build or improve your home and take out the mortgage within 90 days after the work is completed. The home acquisition debt is limited   to the amount of the expenses incurred within the period beginning 24   months before the work is completed and ending on the date of the   mortgage. (See Example 2 later.) Example 1. You bought your main home on June 3 for $175,000. You paid for the   home with cash you got from the sale of your old home. On July 15, you   took out a mortgage of $150,000 secured by your main home. You used   the $150,000 to invest in stocks. You can treat the mortgage as taken   out to buy your home because you bought the home within 90 days before   you took out the mortgage. The entire mortgage qualifies as home   acquisition debt because it was not more than the home's cost. At two years you would be way outside the 90 day limit. The pub also gives example on how calculate the amount of interest you can deduct.


I don't have as strong of feelings as others here do. I actually like tipping in restaurants. Servers get paid more than they would getting a higher flat wage, at least if they do a good job and I think it does encourage better service. I do however dislike when people try to get tips out of every profession and especially something like this where people are and were already making pretty solid money(at least in my area they do) and now because a competitor offers it I should start tipping. I'd rather Uber decided to give a larger share of the profits to their drivers or even to very slightly up the prices. Fact of the matter is there isn't really much of a difference between Uber drivers in my experience. With the rare big fuck up driving or terrible attitude, most people are fine and driving someone from point a to point b doesn't leave a lot of room to provide exceptional service worthy of a tip. Very much unlike being a server or something.


Libertarian pixie dust is the magical substance that allows libertarian defundingbudgets to work.   It is a truly amazing substance that makes market failures disappear, private interests capable of self-regulation for the common good over short-term gains, and turns the tragedy of the commons into a comedy of the commons.  It's how Ron will decide which 20% of research the CDC will halt and how the communications and broadcast industries will play nice without the FCC once he eliminates them.


Consider that the bank of course makes money on the money in your escrow. It is nothing but a free loan you give the bank, and the official reasons why they want it are mostly BS - they want your free loan, nothing else. As a consequence, to let you out of it, they want the money they now cannot make on your money upfront, in form of a 'fee'. That explains the amount; it is right their expected loss by letting you out. Unfortunately, knowing this doesn't change your options. Either way, you will have to pay that money; either as a one-time fee, or as a continuing loss of interest. As others mentioned, you cannot calculate with 29 years, as chances are the mortgage will end earlier - by refinancing or sale. Then you are back to square one with another mandatory escrow; so paying the fee is probably not a good idea. If you are an interesting borrower for other banks, you might be able to refinance with no escrow; you can always try to negotiate this and make it a part of the contract. If they want your business, they might agree to that.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-09-13/fed-s-patient-or-preemptive-clash-looms-as-inflation-misses-goal?cmpId=flipboard) reduced by 91%. (I'm a bot) ***** > The debate over whether the Fed should get ahead of the inflation curve or stick with a wait-and-see approach is heating up ahead of the Federal Open Market Committee&#039;s meeting next week.  > Part of the doubt is due to low inflation expectations, which may represent the underlying, trend level of inflation.  > &quot;The key question in my mind is how to achieve an improvement in longer-run inflation expectations to a level that will allow us to achieve our inflation objective,&quot; Brainard said.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6zwx8i/act_or_wait_fed_debate_heats_up_after_inflation/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~209135 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **inflation**^#1 **whether**^#2 **market**^#3 **policy**^#4 **year**^#5"


> there are more people than ever with it  This was my point.  I get the rest too... but I kinda felt it was turning into a pissing contest so I was gonna' bail from the conversation.  It's a little emotional too... so I'm trying to not be reactive with what I write.  Thanks for your sensible reply.


Here's how capital gains are totaled: Long and Short Term. Capital gains and losses are either long-term or   short-term. It depends on how long the taxpayer holds the property. If   the taxpayer holds it for one year or less, the gain or loss is   short-term. Net Capital Gain.  If a taxpayer’s long-term gains are more than their   long-term losses, the difference between the two is a net long-term   capital gain. If the net long-term capital gain is more than the net   short-term capital loss, the taxpayer has a net capital gain. So your net long-term gains (from all investments, through all brokers) are offset by any net short-term loss.  Short term gains are taxed separately at a higher rate. I'm trying to avoid realizing a long term capital gain, but at the same time trade the stock. If you close in the next year, one of two things will happen - either the stock will go down, and you'll have short-term gains on the short, or the stock will go up, and you'll have short-term losses on the short that will offset the gains on the stock.  So I don;t see how it reduces your tax liability.  At best it defers it.


We have by far have the best standard of living. It has gone down recently because of the expanding Government but there is a reason everyone tries to live here and people aren't fleeing the country (despite threatening to do so after the election).   Our healthcare is poor for sure but that's because we haven't ever let the free market give it a shot.


"I didn't intend to say that everything the government does is unproductive, but a lot of it is.  The government may build a bridge or a road that everyone will get use from, but there will be a lot of unnecessary expense from that.  I worked at a government agency for some time, and that's a work that I'd like to forget. Like the day when I got a call from someone who would be doing a ""physical audit"" at the office where I worked. I proposed to send him a file with all our equipment listed, but he said he should do it in person.   Two guys came to my office, with clipboards and red pens. They went through the office, taking notes of every part number and serial number they could find.   At the end of the day, they had found that the fax machine serial number was wrong, two digits were transposed in the list I had.  Do you think it's really worthwhile to pay two people a day of work to find that a serial number in a fax machine is wrong? That's how the public sector works..."


The role of business investors differs greatly within different organisations. If you are starting a business or already have a small business, business investors can be a key tool to get your business of the ground. Business investors give money to small businesses or start-ups in exchange for ownership in a part of the company.


"New Zealand has a statute of limitations on debt of six years, twelve years if it is ""a debt acknowledged in a deed"" (probably not the case here). If you have had no contact with the bank for that time, the debt expires. If you got convicted of a crime in relation to the debt (e.g. fraud) then that would fall under a different statute of limitations, but a bank isn't going to bother doing that over $600, and the courts would probably not accept the case anyway."


Oh it is ok. I was a little confused, because I tried to read up on future options and options as much as possible, and to still get question marks worried me. I mean to my knowledge, options can be traded as is without margin, while futures do need margin. If you are a starving artist, you can see the draw of not having to have margin to keep track of, but be able at the same time to learn about another market to trade in (commodities).


What is bad about this is the state of someones emergency ought to be in their own hands. If you are going to push the battery to its limits because you downright need it right now then it ought to be something I can do without Tesla deciding its an emergency they think is worthy.


The problem is, you are trying to qualify for a loan that has a 25% down payment using money you don't have, which defeats the purpose of having a down payment. The best thing to do is have your parents buy the house for you. You then rent the house from them where your rent is equal to the mortgage + x. Your parents then put x into savings account for you and then once you have 25% in that account, they gift it to you and you purchase the house from them using that 25% as the downpayment for the mortgage.


"It seems that I recently saw someone post on twitter that Microsoft is making an unsupported ""Sunset"" edition of Money available.  If you're hooked on Money, you might want to investigate that."


"You can group your like-kind (same symbol, ST/LT) stock positions, just be sure that your totals match the total dollar amounts on the 1099.  An inconsistency will possibly result in a letter from IRS to clarify. So, if you sold the 100 shares, and they came from 7 different buys, list it once.  The sell price and date is known, and for the buy price, add all the buys and put ""Various"" for the date. If you have both long term and short term groups as part of those 7 buys, split them into two groups and list them separately."


Chemtex Speciality Limited is India's one of the leading company for providing complete range of plant maintenance and treatment solution through high performance speciality chemicals. Based in the country’s biggest eastern sea port, Kolkata, Chemtex Speciality Limited have been supplying to all over the globe since 1970. CSL has a considerable market share in India’s speciality chemicals Industry. Our operations extends to a wide range of business sectors like retail, exports and manufacturing concerns for their warehouse and dispatch management.   Chemtex Speciality Limited is an ISO 9001 : 2008 certified company. CSL’s office management and manufacturing setup has obtained CRISIL trust certification.  In service to the industry and trade since more than last four decades, Chemtex is proud to be a trusted business partner of more than 18000 customers worldwide. It offers excellent technical support and best supply chain management solutions for domestic and overseas trade. Chemtex offers more than 600 high performance chemicals that are majorly divided into the following categories.


What happened here is pretty obvious: You were trying to sell 2000 shares and apparently didn't mark your order to permit partial execution.  While they had a buyer at 94.66 they didn't want 2000 shares.  Thus your order went unfilled.


Most banks offer a college card that has low limits so you can start building credit. Another good option is to get a rewards credit card and do your everyday spending on it, then immediately turn around and pay it. I have seen people that just overpay their credit card just to use it like a debit card, all while earning credit and getting rewarded for it.  I work for a bank so I see this alot.


It's a debt derivative.  Credit default swaps are contracts drawn up on a specific issue of a bond (in the case of single-name), or on a basket/index of a class of bonds (in the case of credit default index swaps/CDX).  When it comes to derivatives you would have to look at the underlying instrument.  For example, options on AAPL common stock are equity derivatives.  Forwards on corn or wheat are commodity derivatives.  Interest rate swaps where the floating leg is pegged to LIBOR are debt/rates derivatives.


You're confused because the source you cite leaves out one number that isn't relevant to the argument they're making: total costs. The number you're expecting, $9 x 365 or $3285 is the total cost of buying the jewelry which, when subtracted from the $3650 sales volume gives us the net profit of $365.  The investment is the amount of money original put into a system our company. In this case the merchant bought his first piece of jewelry for $9, sold it for $10, took one dollar in profit and used the other 9 to reinvest by buying a new piece of jewelry. We can extend the analogy further. After 9 days of selling, the merchant will posses $18, allowing him to now buy 2 pieces of jewelry each morning and sell them for $20. Every day his costs will be $18 and he'll turn a $2 profit, all with the original investment of $9.


Debit cards can be riskier than credit cards. That's why I personally avoid debit cards unless I have a very good reason to go that direction (e.g. HSA accounts).  To explain the risk, consider what happens if someone steals the card or number and starts using it: Credit card: You get a big bill, which you dispute and eventually get dismissed.   Debit card: Your bank account balance drops,  you don't have access to cash, and your checks start bouncing and you rack up bounced check charges with your bank and stores where you write checks. Eventually, you convince the bank it was fraud and they refund the money to your account. The big difference is that while it is going on you are out the money with a debit card, and with a credit card the BANK is out the money. The above scenario happened to my brother and it wasn't pretty. He was having to borrow money to pay his rent and groceries while the bank sorted it out.


At the top result of the Google search, on the Google results page it's sumarized as applicable to every lender participating in FDIC: The terms equal housing lender and equal opportunity lender are synonymous and refer to all banks insured by the Federal Deposit Insurance Corporation in the United States. Such banks are prohibited from discriminating on the basis of race, color, religion, national origin, sex, handicap, or familial status.


"I think you're talking about two types of machines, at least in the United States. The term change  machine usually refers to a machine that accepts large denominations of currency and returns an equal amount of currency in smaller bills or coins. Typically these machines are used to provide coins in exchange for paper currency, in which case they are also often known as bill changers. Exactly what bills or coins these machines return depends on the machine. Read the instructions on the machine to get the details (they're usually right on the machine). For example my apartment building has a machine that converts small bills like ones and fives to quarters, since the laundry machines only took quarters. The other type of machine are coin-cashing machines, like the Coinstar machines you might see at a grocery store. Many banks used to have these machines as well although in my area they're few and far between now. These machines perform the opposite function of the traditional change machine and convert smaller denominations (mostly coins) into bill form. For example if you dump all your accumulated pennies into the machine, it will probably give you bills and larger coins like quarters, dimes, nickels in exchange, after subtracting a small fee. I've heard that now, some of these machines may give you a gift card of some kind instead of bills, although they'll still subtract a fee from your original amount, usually. Once again just read the instructions and they should tell you. When my bank had one of these machines, they didn't charge a fee as long as you were a customer at the bank. I'm sure that varies from place to place and bank to bank though. Wikipedia's article has this to say (see the article for references): In some sections of the U.S., regional banks have begun offering free coin-counting services in the amount of a gift card. Refunds are often given in cash rather than in the form of a gift card. In some cases, it is not even necessary for the customer to have an account at the bank; the free service is offered as a way to attract new business from individuals who are not current account holders. TD Bank's ""Penny Arcade"" coin counters were free and available to both customers and non-customers in many branches, but as of November 2010, the bank charges a 6% fee for non-customers to use the machine."


Do you realise that the examples you have given are for stock splits not for dividends, that is why the date payable is before the ex-date for the split. The payments for the split occur on 30th June and the first day the stock trades with the new split is on the next trading day, being the ex-date, 1st July.


There are some great answers on this site similar to what you asked, with either a non-jurisdictional or a US-centric focus. I would read those answers as well to give yourself more points of view on early investing. There are a few differences between Canada and the US from an investing perspective that you should also then consider, namely tax rules, healthcare, and education. I'll get Healthcare and Education out of the way quickly. Just note the difference in perspective in Canada of having government healthcare; putting money into health-savings plans or focusing on insurance as a workplace benefit is not a key motivating factor, but more a 'nice-to-have'. For education, it is more common in Canada for a student to either pay for school while working summer / part-time jobs, or at least taking on manageable levels of debt [because it is typically not quite as expensive as private colleges in the US]. There is still somewhat of a culture of saving for your child's education here, but it is not as much of a necessity as it may be in the US. From an investing perspective, I will quickly note some common [though not universal] general advice, before getting Canadian specific. I have blatantly stolen the meat of this section from Ben Miller's great answer here: Oversimplify it for me: the correct order of investing Once you have a solid financial footing, some peculiarities of Canadian investing are below. For all the tax-specific plans I'm about to mention, note that the banks do a very good job here of tricking you into believing they are complex, and that you need your hand to be held. I have gotten some criminally bad tax advice from banking reps, so at the risk of sounding prejudiced, I recommend that you learn everything you can beforehand, and only go into your bank when you already know the right answer. The 'account types' themselves just involve a few pages of paperwork to open, and the banks will often do that for free. They make up their fees in offering investment types that earn them management fees once the accounts are created. Be sure to separate the investments (stocks vs bonds etc.) vs the investment vehicles. Canada has 'Tax Free Savings Accounts', where you can contribute a certain amount of money every year, and invest in just about anything you want, from bonds to stocks to mutual funds. Any Income you earn in this account is completely tax free. You can withdraw these investments any time you want, but you can't re-contribute until January 1st of next year. ie: you invest $5k today in stocks held in a TFSA, and they grow to $6k. You withdraw $6k in July. No tax is involved. On January 1st next year, you can re-contribute a new $6K, and also any additional amounts added to your total limit annually. TFSA's are good for short-term liquid investments. If you don't know for sure when you'll need the money, putting it in a TFSA saves you some tax, but doesn't commit you to any specific plan of action. Registered Retirement Savings Plans allow you to contribute money based on your employment income accrued over your lifetime in Canada. The contributions are deducted from your taxable income in the year you make them. When you withdraw money from your RRSP, the amount you withdraw gets added as additional income in that year. ie: you invest $5k today in stocks held in an RRSP, and get a $5k deduction from your taxable income this year. The investments grow to $6k. You withdraw $6k next year. Your taxable income increases by $6k [note that if the investments were held 'normally' {outside of an RRSP}, you would have a taxable gain of only 50% of the total gain; but withdrawing the amount from your RRSP makes the gain 100% taxable]. On January 1st next year, you CANNOT recontribute this amount. Once withdrawn, it cannot be recontributed [except for below items]. RRSP's are good for long-term investing for retirement. There are a few factors at play here: (1) you get an immediate tax deduction, thus increasing the original size of investment by deferring tax to the withdrawal date; (2) your investments compound tax-free [you only pay tax at the end when you withdraw, not annually on earnings]; and (3) many people expect that they will have a lower tax-rate when they retire, than they do today. Some warnings about RRSP's: (1) They are less liquid than TFSA's; you can't put money in, take it out, and put it in again. In general, when you take it out, it's out, and therefore useless unless you leave it in for a long time; (2) Income gets re-characterized to be fully taxable [no dividend tax credits, no reduced capital gains tax rate]; and (3) There is no guarantee that your tax rate on retirement will be less than today. If you contribute only when your tax rate is in the top bracket, then this is a good bet, but even still, in 30 years, tax rates might rise by 20% [who knows?], meaning you could end up paying more tax on the back-end, than you saved in the short term. Home Buyer Plan RRSP withdrawals My single favourite piece of advice for young Canadians is this: if you contribute to an RRSP at least 3 months before you make a down payment on your first house, you can withdraw up to $25k from your RRSP without paying tax! to use for the down payment. Then over the next ~10 years, you need to recontribute money back to your RRSP, and you will ultimately be taxed when you finally take the money out at retirement. This means that contributing up to 25k to an RRSP can multiply your savings available for a down payment, by the amount of your tax rate. So if you make ~60k, you'll save ~35% on your 25k deposited, turning your down payment into $33,750. Getting immediate access to the tax savings while also having access to the cash for a downpayment, makes the Home Buyer Plan a solid way to make the most out of your RRSP, as long as one of your near-term goals is to own your own home. Registered Pension Plans are even less liquid than RRSPs. Tax-wise, they basically work the same: you get a deduction in the year you contribute, and are taxed when you withdraw. The big difference is that there are rules on when you are allowed to withdraw: only in retirement [barring specific circumstances]. Typically your employer's matching program (if you have one) will be inside of an RPP. Note that RPP's and RRSP's reduce your taxes on your employment paycheques immediately, if you contribute through a work program. That means you get the tax savings during the year, instead of all at once a year later on April 30th. *Note that I have attempted at all times to keep my advice current with applicable tax legislation, but I do not guarantee accuracy. Research these things yourself because I may have missed something relevant to your situation, I may be just plain wrong, and tax law may have changed since I wrote this to when you read it.


This. Best Buy doesn't sell cases of water...they are shrinkwrapped like this from the Coke distributor and meant to go in coolers by the registers and such. There was no price gouging here...hell, the price of the products might not even be set by Best Buy (they likely get a cut from Coca cola when they are actually sold).  But...they shouldn't have ended up on the floor like this in the first place, it just looks bad.


"EBITDA is in my opinion not a useful measure for an investor looking to buy shares on the stock market. It is more useful for private businesses open to changing their structuring, or looking to sell significant parts of their business. One of the main benefits of reporting Earnings Before Interest, Taxes, Depreciation & Amortization, is that it presents the company as it would look to a potential buyer. Consider that net income, as a metric, includes interest costs, taxes, and depreciation.  Interest costs are (to put it simply) a result of multiplying a business's debt by its interest rate. If you own a business, and personally guarantee the loan that the company has with the bank, your interest rates might be artificially low. If you have a policy of reaching high debt levels relative to your equity, in order to achieve high 'financial leveraging', your interest cost might be artificially high. Either way, if I bought your business, my debt structure could be completely different, and therefore your interest costs are not particularly relevant to me, a potential buyer. Instead, I should attempt to anticipate what my own interest costs would be, under my plans for your business. Taxes are a result of many factors, including the corporate structure of the business. If you run your business as a sole proprietorship (ie: no corporation), but I want to buy it under my corporation, then my tax rates could look nothing like yours. Or if we operated in multiple jurisdictions. etc. etc. Instead of using your taxes as an estimate for mine, I should anticipate my taxes based on my plans for your business. Depreciation / amortization is a measure that estimates how much of a business's ""fixed assets"" were ""used up"" during the year. ie: how much wear and tear occurred on your fleet of trucks? It is generally calculated as a % of your overall asset value. It is a (very loose) proxy for the cash costs which will ultimately be incurred to make repairs/replacements. D&A is also something which could significantly change if a business changes hands. If the value of your building is much higher now than when you bought it, I will have higher D&A costs than you [because I will be recording a % of total costs higher than yours], and therefore I should forecast my own D&A. Removing these costs from Net Income is not particularly relevant for a casual stock investor, because these costs will not change when you buy shares. Whatever IBM's interest cost is, reflects the debt structuring policy that the company currently has. Therefore when you buy a share in IBM, you should consider the impact that interest has on net income. Similarly for taxes and D&A - they reflect costs to the business that impact the company's ability to pay you a dividend, and therefore you should look at net income, which includes those costs. Why would a business with 'good net income' and 'good EBITDA' report EBITDA? Because EBITDA will always be higher than net income. Why say $10M net income, when you could say $50M EBITDA? The fact is, it's easy to report, and is generally well understood - so why not report it, when it also makes you look better, from a purely ""big number = good"" perspective? I'm not sure that reporting EBITDA implies any sort of manipulative reporting, but it would seem that Warren Buffet feels this is a risk."


I was hoping to comment on the original question, but it looks to me like the asker lives in the EU, where credit cards are a lot less common and a lot of the arguments (car rental, building up of credit etc) brought forward by people living in the US just don't apply.  In fact especially airlines (and other merchants) will charge you extra when using a credit card instead of a debit card and this can add up fairly quickly. I hold a credit card purely for travelling outside the EU and occasionally I will travel for work and make my own arrangements, then it can come in handy as I am able to reclaim my expenses before I have to pay my credit card bill (in this case I will also claim the extra credit card fees from my employer). This however is for my personal convenience and not strictly necessary. (I could fill out a bunch of paperwork and claim the costs from my employer as an advance.) In the EU I find that if my VISA debit card will not work in a shop, neither will my credit card, so on that note it's pretty pointless. So to answer the asker question: If you live (and travel) in the EU  you don't need a credit card, ever. If you travel to the US, it would be advantageous to get one. Occasionally banks will offer you a credit card for free and there's no harm in taking it (apart from the fact that you have one more card to keep track off), but if you do, set up a direct debit to pay it off automatically.  And as other people have said: Don't spend money you don't have. If you are not absolutely sure you can't do this, don't get a credit card.


He made a no-context vegan comment in a thread where no one was talking about diets or dietary ethics at all. I mean, you can check out his comment history. He's on some kind of pro-vegan comment bender right now.


I wouldn't say better than most other cars. They are definitely comparable to Korean brands now and better than some American ones and they've improved immensely since the days when they were total knockoffs with terrible safety standards. But they're not anything special, imo.


"If the IRS changes your return in any way (including math errors) - they send a letter explaining the change and the reasons for it. You should read that letter, it will answer your question (Usually its a CP12 notice). If you didn't receive it - you can call them and ask to resend it (they're unlikely to answer over the phone, but you can try asking). I'm confused by your using the word ""estimate"". Your tax return is not supposed to be estimate, it supposed to be precise. Why are you considering your tax return ""estimate""? If your filed tax return shows refund of $X and you received $X+$180 - then as I said, a letter of explanation from the IRS is due. If you don't know what the refund amount on your return is and you're trying to ""estimate"" it now - you better get a copy of that return."


I've been doing this exact thing for almost 2 years using the Amazon app. What I don't understand is why they came out with this new app which scans barcodes or pictures to show you items on Amazon? This is already in the Amazon app. They're basically identical apps, why are there two apps, can I get the discount in the primary app or should I uninstall that and use this identical app now?


Putting debt out long means to borrow a sum of money paid back over a longer period of time than you could reasonably pay it back. It should be important to note that this advice only applies for fixed rate loans (meaning your rate can't change for the life of the loan without you explicitly changing it).  The logic is that if you can borrow money when interest rates are really low, there is a good chance you can find an investment that has a return higher than the interest rate on the loan. It also means that when/if interest rates go up in the future, a simple savings account may even have a greater return than your loans interest. The advice suggests to borrow over a long period so you are paying less interest per payment, and gives you time to find a proper investment without having to pay too much interest during that time.


It is barely possible that this is Citi's fault, but it sounds more like it is on the Costco end.   The way that this is supposed to work is that they preauthorize your card for the necessary amount.  That reserves the payment, removing the money from your credit line.  On delivery, they are supposed to capture the preauthorization.  That causes the money to transfer to them.  Until that point, they've reserved your payment but not actually received it.  If you cancel, then they don't have to pay processing fees.   The capture should allow for a larger sale so as to provide for tips, upsells, and unanticipated taxes and fees.   In this case, instead of capturing the preauthorization, they seem to have simply generated a new transaction.  Citi could be doing something wrong and processing the capture incorrectly.  Or Costco could be doing a purchase when they should be doing a capture.  From outside, we can't really say.   The thirty days would seem to be how long Costco can schedule in advance.  So the preauthorization can last that long for them.   Costco should also have the ability to cancel a preauthorization.  However, they may not know how to trigger that.  With smaller merchants, they usually have an interface where they can view preauthorizations and capture or cancel them.  Costco may have those messages sent automatically from their system.   Note that a common use for this pattern is with things like gasoline or delivery purchases.  If this has been Citi/Costco both times, I'd try ordering a pizza or some other delivery food and see if they do it correctly.  If it was Citi both times and a different merchant the other time, then it's probably a Citi problem rather than a merchant problem.


A revocable trust? Else the title would be his...vs recieving a gift that large. Make it a business investment like a holding company. And use the trust as agreement to shares.


"It's more like 2/3 content to 1/3 ads (though that's still unacceptable).  But to answer your question in terms of ""number of minutes of ads"", they kinda do.  Not really just for the logistics of filling the airtime, but those ads each pay less per minute due to lower ratings."


"You seem to have a little confusion over terminology that should be cleared up: You are calling this ""day-trading"" Day-trading is the term for performing multiple trading actions in a single day. While it appears that the COO has performed a buy and a sell on the same day, most people would consider this a 'single trade'. In reality, it seems that the COO had 'stock options' [a contract providing the option for the holder to buy stock at a specific price, at some point in the future], provided as part of his compensation package. He decided or was required to 'exercise' those options today. This means he bought the shares using his special 'option price'. It is extremely common for employees who exercise stock options, to sell all of the resulting stock immediately. This is very different from usual day-trading, which implies that he would have bought stock in the morning at a low price, and then sold it later at a high price. You are calling this 'insider trading'. That term specifically often implies some level of unethical behavior. In general, stock options offered to executive employees are strictly limited in how they can be exercised. For example, most stock option plans require employees to wait x number of years before they can exercise them. This gives the employee incentive to stay longer, and for a high-level executive with the ability to strongly impact company performance, it gives incentive to do well. Technically you are correct, this is likely considered an 'insider trade', but given that it seems to have been a stock option exercise, it does not necessarily imply that there was any special reasoning for why he did the trade today. It could simply be that today was the first day the stock option rules allowed him to exercise. As to your final question - no, these profits are the COO's, to do with as he likes."


Based on your situation, I'm not sure it should be an either/or sort of choice.  The less debt you have the better, but because the HELOC is secured debt, the interest rate should be rather low.  If you're trying to build a cash cushion for emergencies, it may help to figure out a few things first: Once you know how much you want to save and how long it will take, you can figure out how much longer it would take of some of the savings were diverted to debt reduction. If your credit is good enough to get a HELOC in the first place, putting some of your cash-flow toward both goals is an option worth considering.


The advice I would give is :-   1) if at all possible don't expose yourself to any situation where you would require a lawyer .  2) register the site windhavenpress.com ( or similar ) and put a redirect from windhaven.com .  3) make it very clear - which I'm sure you do - that it's for Windhaven Press .  4) don't put any phone number details . Just put an email contact form and supply your full details in response to contact emails .  5) ignore anything that is not for you .


How about a slightly different approach. Invest in a duplex or trip/quadplex. Live in one unit, rent out the rest. Chances are you'll end up either paying nothing in total, or even making money as your tenants pay your bills for you. Depends a lot on your area and your willingness to deal with the crap of tenants, but have a look into it. You'll be surprised what you can buy in your area and the types of people you might end up living with you...


I don't think so man...  I mean, don't get me wrong, my girlfriend is a contract worker, but they have some of the most amazing work environments that I have ever witnessed. Catering, telecommuting, free laptops, they have some of the happiest employees I've ever met. And they get paid a fair wage compared to other game companies *Cough*EA*Cough*


"No, there's no justification for saying that the resource ""needs to be used in a way which is most productive"". That's not consistent with either capitalism (which does not take a moral stance, but observes that it goes to the highest bidder) or with social welfare (which is concerned with maintaining a reasonable rate of employment). And we were not discussing govt employment."


Two of the main ways that investors benefit financially from a stock are dividends and increases in the price of the stock.  In the example as described, the benefits came primarily from dividends, leaving less benefits to be realized in terms of an increase in the value of the company. Another way to put that is that the company paid its profits to shareholders in the form of a dividend, instead of accumulating that as an increase in the value of the company.  The company could have chosen to take those profits and reinvest them in growing the business, which would lead to lower dividends but (hopefully) an increase in the valuation of the stock, but they chose to pay dividends instead.  This still rewards the investors, but  share prices stay low.


"I answered a similar question, How will going from 75% Credit Utilization to 0% Credit Utilization affect my credit score?, in which I show a graph of how utilization impacts your score.  In another answer to Should I keep a credit card open to maintain my credit score?, I discuss the makeup of your score.  From your own view at Credit Karma, you can see that age of accounts will help your score, so now is the time to get the right cards and stay with them.  My background is technology (electrical engineer) and MBA with a concentration in finance. I'm not a Psychology major. If one is undisciplined, credit can destroy them. If one is disciplined, and pays in full each month, credit is a tool.  The quoting of billionaires is a bit disingenuous. I've seen people get turned away at hotels for lack of a credit card. $1000 in cash would not get them into a $200/night room. Yes, a debit card can be used, but the rental car and hotel ""reserve"" a large amount on the card, so if you don't have a high balance, you may be out of town and out of luck.  I'll quote another oft-quoted guru: ""no one gets rich on credit card rewards."" No, but I'm on track to pay for my 13 year old's last semester in college with the rewards from a card that goes right into her account. It will be great to make that withdrawal and not need to take the funds from anywhere else. The card has no fee, and I've not paid them a dime in interest.  By the way, with 1-20% utilization ideal, you want your total available credit to be 5X the highest monthly balance you'd every hit.  Last - when you have a choice between 2% cash reward, and the cash discount Kevin manages, take the discount, obviously."


"Any shares you buy when a company is listed on one market will remain yours if the company moves to another market. Markets and exchanges like AIM are just venues for dealing in shares - indeed you can deal in those shares anywhere else that will allow you as well as on the AIM. The benefit of being listed in a market is that trade in the shares will be more ""liquid"" - there's more likely to be people who want to buy and sell them at any given time. The bigger concern would be what happens if the company does badly and drops out of the AIM entirely. You'd still be able to sell your shares to any willing buyer, but finding that buyer might get harder."


The word you're looking for is usury - the crime of lending money at rates above an amount set by law.


There are not necessarily large shareholders, maybe every other Joe Schmoe owns 3 or 5 shares; and many shares might be inside investment funds. If you are looking for voting rights, typically, the banks/investment companies that host the accounts of the individual shareholders/fund owners have the collective voting rights, so the Fidelity's and Vanguard's of the world will be the main and deciding voters. That is very common.


True, but these technologies are not siblings that need to be treated as equals out of a sense of fairness. Each industry will have their own technical and business challenges to overcome, and they will live in or or die by their ability to overcome these challenges.


Govardhan is situated in the hilly terrain of the hill called Giriraj. This place has abundant tales of Lord Krishna as a child. According to the Vedas, the peak has descended from the heaven itself.So this is good place for trevelling  with  family, kids and couples.


The fed has $2 trillion m0, and they loan out $1.9 trillion which then is eventually makes it way back to their banksagain, which they loan out another $1.8 trillion. The money goes to whoever they are loaning it to. The m0 is determined by the treasury directly printing 0's and 1s, and putting it into the Fed's bank which then they loan out. That's last part is what quantitative easing is.  In short, the treasurys at the top, then the fed, then the branch banks, then corporations then the executives then the middle/lower class. Generally. When the treasury prints the money it trickles down. Problem is the higher up in the tree the more purchasing power you have, the lower the less.  Comparing it to the spanish inquisition wouldn't be far off. Perhaps someday the government will let the people choose their own currency.


If I had a business and was able to claim a feature, I would. It's simple marketing. If in fact, opting out helped your score, the site would promote that feature.  Soft pulls for prescreened offers are not counted. No more than my constant peek at my score through Credit Karma. Opt out, if you wish.  The benefit of course is less mail, which saves trees. Less risk of identity theft, someone can take the application and try to forge from there. Less risk of an infected paper cut opening this mail (don't ask.) I am a compulsive mail shredder, so I peek and these and shred. A year ago I received an offer of $30,000 zero interest, max transfer fee $50. I sent the entire sum to my 5% mortgage. Now I refinanced and paying that back. It saved me $1500 over the year. Too much trouble for some, but how long does it take to make $1500? For 40% of this country's families, that's a week's pay. The monthly extra bill didn't bother me. This last paragraph is an anecdote, not so much addressing question. I did that first.


"[What does the West hope to achieve in its showdown with Russia over Ukraine? An increasing number of articles have appeared recently arguing there is no long-term strategy and that the US and EU are being sucked into a destructive ""sanctions spiral"" that will only deepen the misery of Ukrainians, and is already beginning to hurt the wider economic recovery in Europe.](http://www.bne.eu/content/moscow-blog-west-has-no-end-game-plan-ukraine)  - Ben Aris in Moscow"


When our 20yo Sony Trinitron died I researched all the Audio/Video forums and the consensus was that Panasonic Plasmas have the best picture. When I went into the department store to buy one they had a Panasonic and a Samsung LCD on display right next to each other and the difference in quality was noticeable (Samsung was noticeably better). At the time I had never really considered Samsung to be any good, but the quality and sharpness of the Samsung is undeniable. It actually took me two days to get over my cognitive dissonance and buy the Samsung because up until then I was 100% determined to buy the Panasonic. They are also the only brand that I have seen with little to no artifacts. Samsung is this generations Sony.


Welcome to finance.  Be someone's bitch for 40 years and there is a 1/2,000,000 chance you'll get your turn one day as you stand next to all your coworkers with your hands out.  The finance (and accounting) industry relies on underpaid grunts working 10 hours of overtime every week with no extra pay.


Not really. The only degrees worthwhile are engineering, sciences, math, medical, and business (moreso accounting/tax), IMHO. Business offers diminishing returns as tuition increases and so does engineering, to a point.   If you're getting a degree in anything else, in-state tuition and working summers/while in school is a must.   You're better off learning a trade (plumbing, A/C, carpentry, electrician, construction, landscaping etc.) and, if you desire to make more money, strike out on your own than you likely are getting a marketing degree and thinking you're gonna be able to pay off debt when you're done with salary.


"If so then what? If thew overall accident rate is almost 50% higher than comparable vehicles *including* the purported marvels of ""autopilot"" (i.e. more or less what my new Toyota comes with) then when not using autopilot it is, what, 100% higher?"


The stock market exists for two reasons. It lets companies raise money to invest, and it lets company owners cash out and get money instead of part-ownership of a company when they are ready to do so. But to accomplish these goals effectively, it needs many more transactions than just those kinds of transaction, because you have to be able to find a buyer when you need one and to have a market price. So there are also a lot of transactions that are just to try to make short-term profit. But we need those transactions to provide the market liquidity to let the stock market work properly for its actual purposes.


So who exactly is a slave in America? Who doesn't have a choice to live the life that they wish? Eat the foods they wish? Not have their children work in the fields until their hands, feet and back around sore, and not be able to take a break at anytime until their slave master say so? What women are being raped nightly by their slave master, and forced to carry their children to terms and then have said children enslaved? Who is getting a whipping (with and actual whip) for talking back to their master, or looking at a women who is not of their race or wanting to learn to read and right?   Who in America is currently a slave?


You haven't said why you think you will gain at $41, but the graph never lies. Take it one piece at a time: At $41, your stock will lose a big chunk of value.  Your short calls will expire.  Your puts will gain a bit of value.  The stock's loss outweighs the option gains.


"I'm glad you provided such convincing evidence of your ideological stance.   Go read something before you start throwing around ethics. Minimum wage laws are the most racist and discriminatory laws in the history of this country. They discourage employers from hiring young minority workers for being unqualified (because they're forced to go to subpar government-run schools) to work at an arbitrary rate, set by the government.  https://www.cato.org/publications/policy-analysis/negative-effects-minimum-wage-laws  Also FYI, for ""half the country spending everything make on rent is unacceptable"" is an impossibility in economics."


The seller has a legitimate desire to know of your preapproval. I have two current anecdotes on this issue. As a realtor helping a client buy a home, I worked closely with buyer's bank, and got a pre-approval for the amount we were offering. When there was a counteroffer, and we were going to raise the price, the bank upped the numbers on the pre-approval letter.  I have a property of my own I am trying to sell. I had a negotiated price, P&S, but no pre-approval from the buyer. The buyer of his home couldn't get a mortgage, and so far, the deal has fallen through.  I agree with you, you don't want to signal you can afford more, nor show any emotion about how great that house is. That's just giving the seller a bargaining chip.


With a $40,000 payment there is a 100% chance that the owner will be claiming this as a business expense on their taxes.  The IRS and the state will definitely know about it, and the risk of interest and penalties if it is not claimed as income make the best course of action to see a tax adviser. Because taxes will not be taken out by the property owner, the tax payer should also make sure that the estimated $10,000 in federal taxes, if they are in the 25% tax bracket, doesn't trigger other tax issues that could result in penalties, or the need to file quarterly taxes next year. This kind of extra income could also result in a change or an elimination of a health care subsidy. A unexpected mid-year  change could trigger the need to refund the subsidy received this year via the tax form next April.


"In most industries it's really hard to tell if Bob is in a minority or not. Why do people not subscribe after their x months of a free trial? How do you know that? The good thing about ""Bob"" is that he's willing to tell you the reason why *at least* one person fell out of the funnel. That's very valuable information."


"In the UK there are Premium Bonds, http://www.nsandi.com/. In simple terms these get you a ""raffle ticket"" for each £1 you invest. Each month multiple tickets are drawn and they each win between £25 and £1m. Your capital does not go down but you aren't guaranteed to win. So you can't lose your money but there's potential to not make any either."


"If your spouse wishes to buy a car and finance it with a car loan, they are free to do so. Once they have bought a car, they are free to let you use it. However, if you are the owner of the car, the loan is going to have to be in your name. Your spouse can't get a loan backed by an asset they don't own. They could get a personal loan and then give the money to you, but the interest rates would likely be rather high. Also, even if you aren't on any of the paperwork, you being married likely will affect the situation. It will depend on what state you're in. If you want to go that route, one of the best ways to find out is to simply have your spouse ask the people that would be providing the loan ""Can I finance this separate from my spouse, or will they be included in the credit evaluation?"""