Yes, it's a buyer's market. If one is looking to buy a house, comparing the cost to rent vs own is a start. Buying a property to rent to a stranger is a different issue altogether, it's a business like any other, it takes time and has risk.  If today, one has a decent downpayment (20%) and plans to stay in the house for some time, buying may make economic sense. But it's never a no-brainer. One needs to understand that housing can go down as well as up, and also understand all the expenses of owning which aren't so obvious. Ever increasing property tax, repairs, etc.


"Set aside any perceived positive aspects of being owed a refund and weigh those with the negatives. What are the reasons you should not have your money tied up with the IRS? You'll see that Uncle Sam does not have a good track record as a financial institution: Many thousands of refunds every year are delayed for many months due to IRS systems glitches. Yet, many people count on that refund which is not always guaranteed within the stated time-frame. You have no legal recourse. You cannot sue the federal government for the money you lent them when they decide not to pay you back for an extended period of time. Yet, if you decide to delay paying them, they have all the power and will use it to charge you fee's that no corporate / private institution would get away with. ""owing some tax money is better than having a refund from a ID theft/fraud/security aspect"" Again, there is zero financial incentive to lend free money to Uncle Sam, he is not a bank. The only time interest comes into play is when the refund is overdue. Even then, it is not an incentive / doesn't come close to the penalty burden on you if you don't pay your taxes on time. I would ask the followup question: What sane person would engage in business with such a financial institution?"


">The Port Authority operates New York City's airports, its seaports, a train system, and several bridges and tunnels.  Newark Airport and Port Elizabeth/Newark are in NJ, not NY. And the ""train"" system, the PATH is half in NJ, as are all of the bridges and tunnels. Interesting why the article is so NY-centric."


You're asking whether the shares you sold while being a US tax resident are taxable in the US. The answer is yes, they are. How you acquired them or what were the circumstances of the sale is irrelevant. When you acquired them is relevant to the determination of the tax treatment - short or long term capital gains. You report this transaction on your Schedule D, follow the instructions. Make sure you can substantiate the cost basis properly based on how much you paid for the shares you sold (the taxable income recognized to you at vest).


Sounds about right.  Purchased a shower curtain online and went to my local store for pickup.  At that store, pickup is in the same area as the service desk, so they had to find the pickup person, and then it took them ten minutes to find the item.  Doing that once was enough to learn never to do that again.


NOTE:  This is my opinion, so please have respect- I am not trying to insult or put down anyone.  I merely want to play the devils advocate and contribute to the dialogue in a constructive manner.  Thanks.   You're better trying to short magazines or the publishing industry.  The reason why the music industry fell was because they were disorganized even before iTunes came around.  The internet has a fantastic distribution system, I agree.  But many of these streaming websites are trying to eat TV and Cable's lunch.   Many of the people who under-estimate TV do not realize the amount of money, talent, research, staff and infrastructure needed to produce top-level high-quality shows and programming.  It is easy to stream a TV show or movie AFTER it's been already produced and broadcast, but do you really think the internet will give us a Mad Men, LOST, Walking Dead, Game of Thrones?  I highly doubt it, and that's a big reason why TV is here to stay.  Yes there is talk of Netflix trying to buy the rights to some shows, but it's only in the initial phase and you can be damn sure that TV/Cable is testing the waters on their part too.  If they decide that the relationship with Netflix isn't working then they are not obligated to work with Netflix.  In this case, Netflix needs TV more than TV needs the Netflix or Hulu.  What makes Netflix/Hulu any more right than a Viacom or Comcast?  You seem to think a future of Netflix and iTunes is utopia, when in reality it would be an oppressive dystopian closed system with NO competition.  At least with TV and Cable, you have networks actively competing with each other- they are literally tripping over themselves working as hard as they can to PLEASE you- the audience.  You talk about how a future without TV is a good thing, but you fail to realize that it would actually be a bad thing for American culture.    People seem to think that sitting in front of the 20inch computer monitors at a table for one is preferable to a 50 inch LCD screen with dolby surround in the den.  I am not surprised because the internet is comprised of people who mainly dwell on the internet, where people who watch TV are probably watching TV right now.    On top of that, many people would lose their jobs.  Just because Apple or Netflix can distribute shows and movies cheap does not mean that many thousands of people should lose their jobs (especially if the majority of America still prefers to watch programming on their TV's and not locked in their room on a small computer screen with the tinny-sounding computer speakers).  This is one of the reasons why we're having an unemployment problem, because these jobs are disappearing by the cold mechanical algorithms of a computer program.  Think of the many thousands of jobs that have been lost in the music industry, don't you think college kids would have loved to start their careers at a record label promoting music and encouraging growth?  Instead we have MP3's and instant gratification, music is arguably dead (read: 90's music).  And if we think a future without TV is utopia, then I have some bad news for you, it isn't.  TV is American, we do it best and we should NOT be turning our backs on it.  Once we do that, we lose our culture.   Who do you think will own the internet in 50 years?  I can tell you it won't be the US of A.  Think very carefully and be careful what you wish for...


Wow  guy started out in a boiler room, then went on to flip penny stocks, before using his own capital and public statements to short companies. Smells a bit dodgy (even if legal at the margin) yet he's idolised by NYT


Let me pick on one of the quotes from the article:  > As Shierholz emphasizes, “for a full recovery in the labor market to occur, two key things need to happen: Layoffs need to come down, and hiring needs to pick up.”  How much further can layoffs go?  [Looking at 40 years worth of data](http://research.stlouisfed.org/fred2/graph/?g=HHo), initial jobless claims are near historic lows.  If you adjust layoffs to the size of the work force, [they are at all-time lows](http://research.stlouisfed.org/fred2/graph/?g=HHp).


"While nothing is guaranteed - any stock market or country could collapse tomorrow - if you have a fairly long window (15+ years is certainly long), ETFs are likely to earn you well above inflation.  Looking at long term ETFs, you typically see close to 10% annual growth over almost any ten year period in the US, and while I don't know European indexes, they're probably well above inflation at least. The downside of ETFs is that your money is somewhat less liquid than in a savings account, and any given year you might not earn anything - you easily could lose money in a particular year.  As such, you shouldn't have money in ETFs that you expect to use in the next few months or year or even a few years, perhaps. But as long as you're willing to play the long game - ie, invest in ETF, don't touch it for 15 years except to reinvest the dividends - as long as you go with someone like Vanguard, and use a very low expense ratio fund (mine are 0.06% and 0.10%, I believe), you are likely in the long term to come out ahead.  You can diversify your holdings - hold 10% to 20% in bond funds, for example - if you're concerned about risk; look at how some of the ""Target"" retirement funds allocate their investments to see how diversification can work [Target retirement funds assume high risk tolerance far out and then as the age grows the risk tolerance drops; don't invest in them, but it can be a good example of how to do it.]   All of this does require a tolerance of risk, though, and you have to be able to not touch your funds even if they go down - studies have repeatedly shown that trying to time the market is a net loss for most people, and the best thing you can do when your (diverse) investments go down is stay neutral (talking about large funds here and not individual stocks). I think this answers 3 and 4.   For 1, share price AND quantity matter (assuming no splits).  This depends somewhat on the fund; but at minimum, funds must dividend to you what they receive as dividends.  There are Dividend focused ETFs, which are an interesting topic in themselves; but a regular ETF doesn't usually have all that large of dividends.  For more information, investopedia has an article on the subject.  Note that there are also capital gains distributions, which are typically distributed to help offset capital gains taxes that may occur from time to time with an ETF.  Those aren't really returns - you may have to hand most or all over to the IRS - so don't consider distributions the same way. The share price tracks the total net asset value of the fund divided by the number of shares (roughly, assuming no supply/demand split).  This should go up as the stocks the ETF owns go up; overall, this is (for non-dividend ETFs) more often the larger volatility both up and down. For Vanguard's S&P500 ETF which you can see here, there were about $3.50 in dividends over 2014, which works out to about a 2% return ($185-$190 share price).  On the other hand, the share price went from around $168 at the beginning of 2014 to $190 at the end of 2014, for a return of 13%.   That was during a 'good' year for the market, of course; there will be years where you get 2-3% in dividends and lose money; in 2011 it opened at 116 and closed the year at 115 (I don't have the dividend for that year; certainly lower than 3.5% I'd think, but likely nonzero.) The one caveat here is that you do have stock splits, where they cut the price (say) in half and give you double the shares.  That of course is revenue neutral - you have the same value the day after the split as before, net of market movements. All of this is good from a tax point of view, by the way; changes in price don't hit you until you sell the stock/fund (unless the fund has some capital gains), while dividends and distributions do.  ETFs are seen as 'tax-friendly' for this reason. For 2, Vanguard is pretty good about this (in the US); I wouldn't necessarily invest monthly, but quarterly shouldn't be a problem.  Just pay attention to the fees and figure out what the optimal frequency is (ie, assuming 10% return, what is your break even point).  You would want to have some liquid assets anyway, so allow that liquid amount to rise over the quarter, then invest what you don't immediately see a need to use. You can see here Vanguard in the US has no fees for buying shares, but has a minimum of one share; so if you're buying their S&P500 (VOO), you'd need to wait until you had $200 or so to invest in order to invest additional funds."


In most states, Car insurance follows the car, not the driver, so your insurance would likely cover her. Her insurance may secondarily cover her in your car under certain conditions (she'd have to call and ask to confirm)  Of course, they might try to deny any claim if you misrepresented your application (where it asks about all drivers in the 'household'). One thought-- Consider getting a joint policy with both of your cars on it, the joint policy might be cheaper than two separate policies. Marriage and 25+ yr age is the holy grail as far as insurance companies go, but you might fare well with a joint policy.  You could also consider becoming domestic partners if you're not quite ready for marriage and possibly save on health and car insurance.


Yeah, and what blows my mind most is that there was a very easy out for regulatory relief that would have actually brought us closer to compliance with BCBS rules. In the US the threshold for Basel rules is $50B in assets, while under Basel III and in most of the world its €250B. Just adopting this standard would give small banks relief. As an aside, the new law would also make it harder for the Fed to adopt the Basel III finalization rules, which are incredibly advantageous to US banks and which we fought hard for.


I use Couponrefund.com I get coupon and coupon codes from here to get discount by which I save hundreds of dollars while shopping.


Ok, still a high proportion, but the claim in the title is a complete fabrication, disputed by the article itself.   Also keep in mind that this is a % of net income and not gross.  Edit:   here is a link to the actual report: https://kfcontent.blob.core.windows.net/research/707/documents/en/the-uk-tenant-survey-2017-4743.pdf  I'm very skeptical about the scientific rigor of this whole thing.


You should ask the bank supplying the SBA loan about the % of ownership that is required to personally guarantee the loan. Different banks give different figures, but I believe the last time I heard about this it was 20% or more owners must personally guarantee the loan. Before you spend a lot of money on legal fees drawing up a complicated scheme of shares, ask the bank what they require. Make sure you speak with an underwriter since many service people don't know the rules.


No it is not required to create a trade account or a current account. If the payment is via Paypal, as per Indian laws, it would automatically get credited to your savings account in 7 days.  You would still need to declare this as income and pay tax accordingly.


"I am assuming you mean derivatives such as speeders, sprinters, turbo's or factors when you say ""derivatives"". These derivatives are rather popular in European markets. In such derivatives, a bank borrows the leverage to you, and depending on the leverage factor you may own between 50% to +-3% of the underlying value. The main catch with such derivatives from stocks as opposed to owning the stock itself are: Counterpart risk: The bank could go bankrupt in which case the derivatives will lose all their value even if the underlying stock is sound. Or the bank could decide to phase out the certificate forcing you to sell in an undesirable situation. Spread costs: The bank will sell and buy the certificate at a spread price to ensure it always makes a profit. The spread can be 1, 5, or even 10 pips, which can translate to a the bank taking up to 10% of your profits on the spread.  Price complexity: The bank buys and sells the (long) certificate at a price that is proportional to the price of the underlying value, but it usually does so in a rather complex way. If the share rises by €1, the (long) certificate will also rise, but not by €1, often not even by leverage * €1.  The factors that go into determining the price are  are normally documented in the prospectus of the certificate but that may be hard to find on the internet. Furthermore the bank often makes the calculation complex on purpose to dissimulate commissions or other kickbacks to itself in it's certificate prices.  Double Commissions: You will have to pay your broker the commission costs for buying the certificate. However, the bank that issues the derivative certificate normally makes you pay the commission costs they incur by hiding them in the price of the certificate by reducing your effective leverage. In effect you pay commissions twice, once directly for buying the derivative, and once to the bank to allow it to buy the stock.  So as Havoc P says, there is no free lunch. The bank makes you pay for the convenience of providing you the leverage in several ways. As an alternative, futures can also give you leverage, but they have different downsides such as margin requirements. However, even with all the all the drawbacks of such derivative certificates, I think that they have enough benefits to be useful for short term investments or speculation."


A medical expense is only a qualified medical expense eligible for an HSA distribution if it is not reimbursed by insurance.  If you know that you will be reimbursed, do not pay for it through your HSA. Think of it this way: you can only be reimbursed for a medical expense once.  Either you get reimbursed by your insurance, or you get reimbursed by your HSA, but not both. If you pay for the expense with your HSA and are later reimbursed, you need to return the money to your HSA through a mistaken distribution repayment.  This is not considered a contribution, but you need to make sure to tell your HSA provider that it is a mistaken distribution repayment and not a contribution, so that it gets accounted for correctly.


> I'll make the most of it, like go fill up gas, buy needed groceries, get lunch, meet a friend, or sometimes just people watch while I shop.  Your day isn't interrupted because if you're going to do all those things just because you're almost out of toothpaste, you really don't have anything to do.  Sorry.


The Zeolite Import Data can be collected from the agencies that are available online or by hiring an expert that hold expertise in this profession. Seair Exim Solution provides comprises HS code, Product Description, Bill of Loading Quantity, Country Name, and Port Name etc.


Here's the thing, in all of your examples you are pointing out how technology allowed humans to be more efficient at their jobs. But that increase in efficiency was offset by explosive population growth resulting in greater demand.  Widespread adoption of automation, particularly in large industries, has the possibility to outstrip population growth and demand growth resulting in net job losses and economic destabilization.  Historical examples fail because birth rates were higher then and we are rapidly approaching unsustainable levels of population growth, both in this country and abroad. When growth slows, and demand dies, the automation gap is magnified.


> Anyways, I'm not in the US, so I'm not affected by this  Uhh, thanks for your input then?  >but I think if this goes through the US internet will end up even more like the US cable industry, to the detriment of users.  Left unsaid is that we don't have a single net neutrality law on the books - nor have we, ever - and yet here you are, on reddit.  You probably used Google today too.


"[There's about 10 trillion in gold](http://en.wikipedia.org/wiki/Gold_reserve) and about [2.8 trillion of US cash](http://visualeconomics.creditloan.com/the-value-of-united-states-currency-in-circulation/) in the world. Neither of these is anywhere large enough to be used for all the transactions in the world. For example, about [4 trillion a **day**](http://en.wikipedia.org/wiki/Foreign_exchange_market) changes hands in the currency markets alone - if that were required to be cash or gold it would be impossible to do so, and you'd suffer from more poorly priced goods since markets could not adjust as quickly, so vendors would charge more premium to handle the risk.  Yes, there is not (and has not been) enough cash in circulation to run the world economy. There is also vastly too little gold, unless you want to strangle commerce due to not being enough money to trade.   > ""posing as the money supply""  All money is debt, and always has been. Money is a placeholder that you can trade for goods *later* meaning someone owes you a thing. The value of that money is the debt they (or society) owes you for something you already did to get that money. So there is no posing, just most don't understand money, how it originated, why it exists, or why it works. They never ask the question ""how does money come into existance"".  > Does defaulting on ones debt create inflation since that money is still in the system and not being paid off?   Probably not much. Loans are made expecting some default, so the interest others pay on their loans helps offset the defaulted ones. If loans become riskier, the interest demanded increases, so the lender still (if they do their risk analysis well and no external events break their expectations) makes money.  When you pay off a debt, that money, as you're paying it, is likely being lent in other loans, so paying it off does not do much. If you could pay off about 100 trillion in debt into the US economy in one payment you might break some things :)"


If you read the article you'd actually see that it provides a ton of value. You think I would write 2,000+ words for no reason? I spend a lot of time on articles like this and to be honest find it annoying how the reddit community always jumps to conclusions. Do your homework and actually read. Not just speaking to you but often the community in general makes this mistake. If you want to see who I am, see here: https://www.linkedin.com/in/nathanresnick/


It's easier to hold hate groups accountable than it is countries. Not that Saudi Arabia isn't guilty of the things you say they are, but not all saudis are guilty of this, and the people of SA didn't choose to be there. However every member of the hate group chose to be in that group, and said hate group exists for a specific hateful purpose, whereas a country does not.


"This page from TripAdvisor may be of interest. Look at what fees are charged on your ATM cards and credit cards, and consider overpaying your credit card so you have a credit balance that you can draw on for cash ""advances"" from ATMs that will dispense in local currency.  Depending on what fees your bank charges, you may get a better rate than the forex cash traders at the airport. Edit: Cards may not always have the best rate.  I recently heard from a traveler who was able to use a locally but not globally dominant currency to buy cash of a major currency at a shopping mall (with competitive forex traders) at rates even better than the mid-market rates posted at xe.com and similar places; I don't think you'll have that experience going from Australia to Malaysia (but another traveler reading this might have a different pair).  In my experience the card rates are slightly worse than those and the airport forex traders significantly worse."


Possible alternative: In my case, the part-time locksmithing is a small enough portion of my I come that I just submit it as hobby income, rather than trying to track it as a separate entity.


I'd recommend investing in a mutual fund that diversifies your purchase across a number of stocks (and bonds, depending on the fund). Vanguard has some of the lowest fees around, and have a large number of funds to choose from. Take a look at their offerings for a data point if nothing else.


It is always better to opt for a diagnosed Medical Weight Loss than rampant dieting. Following any kind of diet charts that has not been advised by a medical practitioner, can lead to many harmful side effects. You will weight loss initially when you start dieting but soon your body will start craving for all type of fatty food items and you will end up consuming it.


Isn't this absolute bullshit? You're basically giving him 8% interest plus 30% stake in the company for nothing other than putting up the initial shareholder capital ... which he's basically treating like a loan because he wants the money back and guaranteed dividend on the stake he's buying with it. Essentially, he's hedging himself against this not being a long continuing concern. So much for trust eh?  I have absolutely no idea how the VC world evaluates things so this may be normal practice for them ... but it seems like short changing which will come back to bite you if the business takes off.


I think people in general tend to unnecessarily over-complicate this issue.  Here's what I think you should do in any situation like this: First and foremost, put all tax considerations aside and decide whether it makes sense to sell the stock now or hold on to it for the long term based on its merits as an investment.  Tax considerations have absolutely nothing to do with whether the stock is a good investment.  If you consider all non-tax factors and decide to hold on to it for the long term, then you can use the tax considerations as a very minor input to how long you should hold it - in other words, don't set your time horizon to 17.5 months if waiting another 2 weeks gives you better tax treatment. You're going to pay taxes on your gains no matter what.  The only difference is whether you pay capital gains tax or income tax.  Granted, the income tax rate is higher, but wouldn't it suck if you pay a LOT less tax only because you have a LOT less value in your stock? So to answer your question - I would say, absolutely not, tax consequences do not make it worthwhile to hold on to your ESPP shares.  If you decide to hold on to your ESPP for other reasons (and they better be good ones to put that much free profit at risk), only then should you look at the tax consequences to help fine-tune your strategy.


I also reckon the tax situation is a relevant difference. I'd rather take shares over a wage when, you know, I'm not / minimally taxed for capital gains, at a rate way lower than what I should be paying for the equivalent as income tax.


"Can you give the context? A bond usually only has one ""tenor,"" so weighted average tenor could apply to all the bonds that a single firm owes? Or an industry or the market or a specific bond rating or whatever. But we usually use duration as it's more useful"


Agree with the above poster regarding causation vs. correlation. Unless you can separate out the variables questions like this are somewhat impossible to answer.  Additionally, one of the fundamental issues is the Agency Problem. Depending on the fee structure the advisor might be more interested in their own self benefit then yours.


Financial problems are often due to budget (income statement) issues, either caused by excessive expenses or too little income. You state your income at $115K (pre-tax?), which is much larger than median income. But you do not supply (all) expenses, other than state that you have debts that require large payments, and that you are doing well budgeting (which is hard to accept based upon the large debt load). Though you do not mention specific card amounts, interest rates, and options you have considered for addressing these balances, you do suggest that you understand the problem, and want to pay the credit cards off. You have a large amount of debt comprised mainly of large credit card balances. There are no easy solutions for high credit card debt. This is a problem that you need to learn how to manage, and the costs that you incur when you allow easy credit to chain you to service to the credit card companies. Rather than sacrifice your future, look to finding ways to fix your present situation, which is tough. Try to find a way to dig out of the debt, which will take several years. Lets put this debt in perspective - consider that a five year (60 months) plan to repay the debt will require paying > $1000/month towards principal (plus the interest on all the cards). Difficult, but not impossible.  You also mention two cars, with $375/month on one car, $unknown/month on the other car.  Plus you mention $500/month for private school. Since the debt is a balance sheet problem, do you have any assets you can sell to payoff some of the debt? Can you sell your cars and obtain cheaper vehicles that have smaller payments? Can you examine you budget and find areas where you can save? When you were making $75K/year or $30K/year, you certainly had lower expenses and a smaller expense budget - can you reduce your expenses to a more modest level? Can you go on a 'budget diet'? This would be the advice Dave Ramsey (and others) would give. You probably have $6400/month income (net after taxes), which using the LearnVest approach would give you three budget categories. Modify the approach to allocate more for financial priorities (paying down debt) until you have the credit cards under control. I have estimated below, Essentials (50%, $3200) Financial (30%, $1920) Lifestyle (20%, $1280) Some suggestions, The Debt Snowball approach works. Driving a cheaper car works. Scaling back on monthly lifestyle expenses works. Slash your expenses for a year - cut back on everything, and pay off some of that debt. You really need to manage this situation with a focus on reducing that unsecured debt to a manageable level. Consider a reputable debt repayment plan.


Alright. Thanks for the advice. Usually when I heard you can do govt with Econ i thought you would need a masters or PHd in order to move up. That's why I was dissuaded from going down that path unless there is entry level jobs for bachelors


Then you want to contact the chain's *franchise development* department -- they typically offer a deal in which you obtain the financing and run the hotel, but they provide you with the brand and various kinds of help.  For example:  http://development.ihg.com/contact-us  http://hiltonworldwide.com/development/develop-hotel/  https://hotel-development.marriott.com/


Anytime you invest in stocks, you do that inside an investment account - such as the type you might open at ETrade, Vanguard, Fidelity or Charles Schwab.   Once you have the account and fund it, you can tell the system to invest some/all of your money in  When you open your investment account, their first question will be whether this is a cash account, traditional IRA, or Roth IRA.  The broker must report this to the IRS because the tax treatment is very different.


"In theory, say we had two soft drink companies, and no other existed. On Jan 1, they report they each had 50% market share for the past year. Over the next year, one company's gain is the other's loss. But over the year, for whatever reason, the market has grown 10% (all the stories of bad water helped this), and while the market share ends at 49/51, the 49 guy has improved his margins, and that stock rises by more than the other.  In general, companies in the same industry will be positively correlated, and strongly so.  I offer my ""spreadsheets are your friend"" advice. I took data over the last 10 years for Coke and Pepsi. Easy to pull from various sites, I tend to use Yahoo. In Excel the function CORREL with let you compare two columns of numbers for correlation. I got a .85 result, pretty high. To show how a different industry would have a lower correlation, I picked Intel. Strangely, enough, Intel and Pepsi had a .94 correlation. A coincidence, I suppose, but my point is that you can easily get data and perform your own analysis to better understand what's going on."


You're gonna start a business but you can't choose your own name? C'mon man, that's the fun part.. Have you researched the demand? In a dying industry like hard copy games, what sets you aside from big players like GameStop? What's gonna set you apart from all the rest? Sorry to say but right now you don't even have a name, my friend. My advice is to write out a detailed business plan & come up with ways to keep yourself afloat. Either way, like I said, you're entering a dying industry that may have something like 10 years at the max considering digital copies are becoming the majority. Personally, i'd rethink your business concept because you may be calling it Game Over before you even push start.. Good Luck


I didn't mean to discount her contribution to the company. On the contrary, I think what she does is great. She got into acting acting at a young age and made it big; she then leveraged her success to be a businesswoman. She won't be an actress forever, even attractive actresses like her will hit their expiration date sometime in their 30s. Being part of this start-up makes financial sense and is a great learning opportunity.


This sounds like a pushy question and I swear I don't mean it to be -- I'm honestly interested in your input. But, assuming you're in the U.S. or a Western European nation, in what sense do you not feel sufficiently free? (Answers to this question are interesting, I think.)


My advice is to know what you need in an employee and ask straight forward questions to get the information you need. The time spent doing so is unimportant; as long as you get the information. Time is valuable, for both you and your applicants.   As another poster said, first impressions are important. It's also important to ensure you're getting a good fit. There have been times when I wasn't thoroughly impressed or decided upon hiring an applicant based on the first impression. It took some getting to know them to see the potential.   There is no written guide to the perfect way to interview. Ask the questions you think will get you the information you need.


http://dailyfinance.com Enter a stock ticker, then click on the Chain link to the left. Then, click on the option tickers to see their charts. EDIT: the site has changed, and there are no more option charts. So why are option charts so tough to find? Options are derivatives of the stock. Option prices are defined by a formula. The inputs are stock pricxe, strike, days to expiration, dividend, risk-free interest rate, and volatility. Volatility is the only thing that cannot be easily looked up. With a Black-Scholes calculator, and some reasonable volatility selections, it's possible to make your own fairly accurate option chart. I don't think it's very enlightening, though. The interesting things are: the stock price movement (as always), and the nature of option pricing behavior in general (understanding how the formula represents crowd behavior).


I wouldn't be turned off due to the difficult of parsing English, for a few reasons. Firstly, you don't have to perfectly parse to find meaning.  You can look for keywords and write some algorithms to approximate, and of course if you get enough of a statistical advantage (and can repeat it) you can make money. Second, it probably isn't long before third-party software is made available either to do something like this or to provide a framework for it.  In fact, it probably already is available somewhere.  (Note the influx of Silicon Valley types to New York as more machine intelligence is applied to trading and journalism.) Thirdly, as hinted by the mention above of journalism, there's already software using numerical data to write pretty human articles.  Some are pretty robotic and you can catch them (I noticed one and searched for a key phrase to discover several very much like it, each having a different fake author name).  This will mean not only a continued improvement of parsing but also more push for more data to be released in machine-readable formats, such that press releases will be increasingly parsible. Finally, to vindicate your idea, the keyword approach has been done with some success.  Try this link and note the additional links on the same topic. If you have the time and processing resources, you might like to try your idea by training a neural network to find correlations of keywords (and phrases -- that's important, too) with trends in the market.


Another problem is maintaining the possibility for current financial analysts - who know their formula and VBA well- to tinker with the business logic. Replacing the underlying system - even partially - means potentially disrupting ownership and requires careful negotiation and change management. Quite challenging in my experience.


2.5 years is a short period in the stock market. That means there is a significant chance it will be lower in 2.5 years, whereas it is very likely to be higher over a longer time period like 5-10 years. So if you want the funds to grow for sure then consider an online savings account, where you might earn 1-2%.  If you want to do stocks anyway, but don't have any idea what fund to buy, the safest default choice is to buy an index fund that tracks the S&P 500. Vanguard's VFINX is one example.


Want to know why your cable bill is so high? Blame the four letter sports network. About $20 of your non tax/fee cable charges go straight to those assholes and then by way to the three letter professional sports outfits and by way of them your local bling wearing pro athlete who promptly blow it.  Ditch the coaxial.


You asked some direct questions, here are some direct answers: 10% of your salary is a popular rule of thumb. An IRA account is something to consider, you can open one with any of the major discount brokers and select an S&P 500 index fund for your investment. You can let it sit. That's the beauty of an index fund, it simply matches the market and you don't have to worry about trying to beat the market because you ARE the market! The average annual return for the S&P 500 Index has been around 10% (since inception). That's no guarantee, and some years are more or less and up or down. Over the long run, it goes up.


I dunno what the replacement rate is for cars, but there were 230M cars registered in the US in 2015. There were 17.5M cars sold in 2015. If you assume that full production capacity for cars is about 20M then (assuming 100% of production is switched to EV) it will take 11.5 years at full tilt to just replace the ones on the road.   But of course there will be a ramp and a tail meaning cars will be sold in 2024 that are not electric only and they will be on the road for 15 years.   Also the market will grow to say 25M but instead of adding 5M capacity, we would really have to add 25M capacity b.c EV is currently 0.   Thats all assuming there isnt a recession/depression and ignores trucks and ships and all the other uses for oil.   I thought this article was posted to /r/badeconomics


It is a simple case of breaking the wrong law. You can commit normal fraud all day long and the SEC won't life a finger. But even get within a hundred miles of a insider trading deal and they'll hit you like a ton of bricks.   It is easy an easy case to prove, there is no question as to it being illegal (even the janitor is expected to take a class on it), and the SEC was specifically set up to stop it after the Great Depression.  Really, it boggles my mind that anyone of that rank would think he can get away with it.


Looks like you need marketing. How many others (competitors) are in the area? Hospitals? Determine your total market by figuring your revenue and that of your competitors. This is your potential.  Now, how to get business from your competition. Yes, website is the cheapest most effective first step.   But WHO is your TARGET market or your customers? Where do they get their information? Are they watching local TV or listening to local radio and you need to take out some ad space?  Are they even on social media? Decide what promotion would be effective for your target (coupons?)  Check out a used marketing textbook or continue to research on Google to get a feel for what I am talking about.


In the United States a Jumbo Loan is one in which the loan amounts exceeds a set value. For much of the US it is currently $417,000 but it is higher in some areas. It is set by the US government and is adjusted each year.  If you are trying to avoid the Jumbo designation then putting more down makes that possible. Generally the Jumbo loans have a higher rate. My credit union does allow jumbo loans with less than 20% down, but I am not sure if they are in the majority or the minority regarding down payment requirements. Keep in Mind that once the house price goes above Jumbo/0.8 or $521,250 you will be putting down more than 20% to avoid the Jumbo designation.


A setup of a business reinforcement generator is proposed so that once the electrical supply is out, your generator will immediately react by furnishing you with consistent power as if no power exacerbation happened. It is enacted promptly once a power interruption runs with making use of a trade switch that is set up. With the assistance of the generator, you can rapidly give the devices that you have at home all through a power blackout.


"Inflation is a bad thing.  It makes it much more difficult for people to compare prices and prosperity over a long period of time.  This causes people to ignore the wisdom of their elders (who remember prices from a long time ago). Back in my day, you could get a burger and fries for 15 cents -- a dime for the burger, and a nickel for the fries.   But the minimum wage was only a quarter an hour!  That doesn't help me decide if things have gotten better or worse. How long is ""a long period of time""?  That depends on the inflation rate. At 1 percent per year, 50 or 100 years is ""a long time"". At 10 percent per year, 5 or 10 years. At 100 percent per year, a few months. Because of the Spanish conquests of gold and silver mines in Mexico and Peru, prices in the sixteenth century rose by a factor of 5.5 during the century.  This inflation was recognized as causing lots of social and governmental problems.  Note that this means an average inflation rate of 2 percent per year for a century is known to be a very bad thing. There are several reasons that most governments want some inflation:"


IRR is the acronym for internal rate of return. And it appears that you do understand how it works.  It's not the phrase most investors use for their own returns. I'd typically talk about my own return last year, or over the last decade, etc, as well as what the S&P did during that time, and might even use the term CAGR, compound annual growth rate, although I wouldn't pronounce it 'kegger' or anything like that. Aside from discussing company investments in some MBA class, the only time I'd use IRR is in an excel spreadsheet to calculate the return over time of a series of my own investments.  The nothing magic about this, it's a function of an initial dollar investment, time passing, and the final value. All else is addition complexity based on multiple deposits/withdrawals, etc. If I deposit $100 and get back $200 in a year, it's a 100% IRR.  Disclosure - I am no fan of Investopedia or re-explaining its wording on these topics. I've caught multiple errors in their articles, and unlike the times I've emailed my friends at the IRS who quickly fix typos and mistakes I've caught, Investopedia authors are no better than bloggers (which I am) who take offense at any criticism (which I do not).


Bitcoin is already changing finance, are you agree? Many people are afraid that Bitcoin adoption has begun to stagnate. In many ways, this is true. What these people often don’t take into account, though, is just how much Bitcoin has already grown from its humble beginnings as an obscure, fringe subculture just 5 years ago to a near household name today. https://icoshedule.com/despite-naysayers-bitcoin-is-already-changing-finance/


Oman Expo is going to organize a Car Exhibition which is going to be held on 2-5 Dec 2014 at Oman International Exhibition Centre. It will bring an opportunity for the business entrepreneurs to launch their new vehicle brands and establish new contacts.


>That's one reason why they let you get access to your credit score, to check it the data is correct and make the 'product' (data about you) better.  If that were true, checking your credit report regularly would be straight forward and free. However, the credit agencies have turned insuring your credit report is actuate into a revenue stream. You can see raw data that goes into your score once a year, because the agencies are required by law to provide that you. In past the agencies have been criticized for trying to trick people into buying their services when they request their annual free report (see [freecreditreport.com vs annualcreditreport.com](http://www.getrichslowly.org/blog/2009/02/24/want-to-see-your-credit-report-for-free-freecreditreportcom-vs-annualcreditreportcom/)). If you want to check the accuracy of credit report more than once a year, you have to pay. If you want to know your score, you have to pay, although many credit cards offer this as a perk.


There's no obligation whatsoever to put that on the front of the package, nor should there be. The full ingredients are listed on the back for anyone to see.  Do you have any evidence whatsoever that it is intentionally misleading, or is that just based on feels?


I do agree with you for the most part, but I think you would be shocked how many people will opt for an online place because they are ordering from work and can't call or simply don't like interacting with people on the phone. How many times have you seen people argue for who is calling in for takeout? I personally don't mind it but I am sure it makes a difference.


> The solution now? That is difficult. I would say that the solution now would be to raise revenues through corporate taxes and similarly increase government spending on investments aimed at stimulating the economy. Use this time to invest in the much needed infrastructure maintenance and upgrades that the USA needs. These need to be fast-tracked into action and I would therefore consider fixing infrastructure as more important than installing new infrastructure.   Thats fine and dandy, but it would never ever pass congress.  Im canadian myself, but i know Australia as a strong economy, and at least you dont count on USA for 70+% of your exports like us ><


If the first one is literally a company name, then 'company name' is fine. However, companies can issue shares more than once, and those shares might be traded separately, so you could have 'Google ordinary', 'Google preference', 'Google ordinary issue B'. Seeing the name spelled out in full like this isn't as common as just the company name, but I'd normally see it referred to as 'display name'. The second one is 'symbol', 'ticker', 'ID', and others. Globally, there are many incompatible ways of referring to a stock, depending on where it's listed (companies can have dual listings, and different exchanges have different conventions), and who's referring to it (Bloomberg and Reuters have different sets of IDs, with no predictable mapping between them). So there's no one shorthand name, and the word you use depends on the context. However, 'symbol' or 'ticker' is normally fine.


"(Congratulations on the little one on the way.) I'd recommend saving outside of tax-advantaged accounts.  Pay your taxes and be done with them. I'd recommend putting your old-age fund first before shelling out a lot of money for college. I'd recommend not shelling out a lot of money for college.  Ideally, none.  There are ways today to get a four-year degree for $15,000.  Not $15,000 per year.  $15,000 total.  Check here.  (This isn't an affiliate link.)  They can pay for this themselves! I'd recommend making sure you hold the hammer.  Don't let them party on your nickel. I'd recommend teaching your kids to ""fish"" as soon as possible.  Help them start a business.  They could be millionaires by the time they're teenagers.  Then they can make their own money.  You won't have to give them a dime."


The one financial reform we should have passed is to stop the conflict of interest rating agencies have:   They get paid by the very companies they are supposed to rate!  All it takes is a company to slip a little more in to get that higher rating. I've heard this is also how the BBB operates too.


I find it odd that Google would buy them. They already bought Motorola and had plans to use them to make Google-branded phones, but when that wasn't profitable or practical, they sold off Motorola's hardware division and left the phone hardware industry to others.  ...but now they want to re-enter it the phone hardware business and try the exact same tactic a second time? Seems odd.


It's an early adoption situation, Tesla's approach is pretty brilliant. Serve the high-end niche markets with a design and performance at the high-end and work your way down in affordability over the long term. Many products have followed this overarching strategy. BTW that includes the early combustion cars which were playthings for the wealthy, and pretty unreliable at the time compared to horse and buggy.  As an aside, all those batteries are recyclable into new batteries. Solar panel costs are dropping rapidly and if we can get to the point that investment in industry R&D is self sustainable we will continue get price drops similar to Moore's law in computer speeds.


If they don't deserve it then invent a widget that complies with state law or push to be rid of the law requiring that we employ someone for a unnecessary task. The workers still deserve a fair wage, and we should not rely solely on slow moving market forces that will supposedly fix the issue.


Silly as it sounds, we belong to both BJ's and Sam's club (we don't have Costco in this area).  The produce at our local Sam's is top-notch, especially in the winter. The prices on fruit there are unbeatable in the winter time, and more than cover the membership cost. I also find the price/quality of canned/box grocery items like tomatoes, flour, etc is better than our supermarkets. Our local BJ's has an excellent meat department, and we tend to buy alot of non-perishable groceries like ketchup, cheese, etc  as well as soap/cleaning stuff because they accept coupons. They are closer to my home and also have a member-only gas pump that is $0.10-0.30 cheaper.


citation obtained from this piece: [The Mindless Harm of Economic Sanctions](https://consortiumnews.com/2017/08/27/the-mindless-harm-of-economic-sanctions/)  Russia update: [Russian GDP could grow 2%-3% in 2017 - Volodin](http://www.interfax.com/newsinf.asp?id=773931)  [Visa, Boeing, Ford and other US-based giants stand against the introduction of further sanctions against Russia, CNN reported with reference to a source in US Congress.](https://np.reddit.com/r/russia/comments/6wfptm/visa_boeing_ford_and_other_usbased_giants_stand/)  [China says sanctions won't help as Trump targets Venezuela](http://www.euronews.com/2017/08/28/china-says-sanctions-wont-help-as-trump-targets-venezuela)  [The European Commission has again raised concerns over proposed US sanctions on Russia, as the bill is passed by the US House of Representatives. It is feared the ploy will damage EU energy independence.](http://www.euronews.com/2017/07/26/european-commission-concerned-as-russia-sanctions-bill-passes-in-us-congress)  [Germany's economics minister implores the US president to step up and discuss a joint approach to Russia in an exclusive commentary for Handelsblatt Global's sister publication.](https://global.handelsblatt.com/opinion/lets-talk-about-sanctions-808740)


Just from my own experience (I am not an accountant): In addition to counting as 'business income' (1040 line 12 [1]) your $3000 (or whatever) will be subject to ~15% self-employment tax, on Schedule SE.  This carries to your 1040 line ~57, which is after all your 'adjustments to income', exemptions, and deductions - so, those don't reduce it.  Half of the 15% is deductible on line ~27, if you have enough taxable income for it to matter; but, in any case, you will owe at least 1/2 of the 15%, on top of your regular income tax. Your husband could deduct this payment as a business expense on Schedule C; but, if (AIUI) he will have a loss already, he'll get no benefit from this in the current year.   If you do count this as income to you, it will be FICA income; so, it will be credited to your Social Security account. Things outside my experience that might bear looking into:  I suspect the IRS has criteria to determine whether spousal payments are legit, or just gaming the tax system.  Even if your husband can't 'use' the loss this year, he may be able to apply it in the future, when/if he has net business income. [1] NB: Any tax form line numbers are as of the last I looked - they may be off by one or two.


Four possible reasons for the difference:


##Great grain robbery The great grain robbery was the July 1972 purchase of 10 million tons of United States grain (mainly wheat and corn) by the Soviet Union at subsidized prices, which resulted in higher grain prices in the United States. Grain prices soon reached 125-year highs in Chicago. In a 10-month span, soybeans went from $3.31 to $12.90 a bushel. Food prices around the world rose 50% in 1973.  ***  ##Strategic grain reserve A strategic grain reserve is a government stockpile of grain for the purpose of meeting future domestic or international needs. In the United States, such programs have included the Farmer-Owned Grain Reserve (1977–1996), Food Security Wheat Reserve (1980–1996), Food Security Commodity Reserve (1996–1998), and most recently the Bill Emerson Humanitarian Trust (1998–).  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&message=Excludeme&subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/finance/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index)   ^] ^Downvote ^to ^remove


Can you make use of an HSA (health savings account) or a medical FSA (flexible spending account)? Depending on your medical coverage, one of these may be available to you.  Buying a house usually does the trick, between property tax and interest, it's not tough to have quite a bit in deductions. Of course, you need to want a house in the first place.


Well, then, nice to meet you.  I was offered a such a job.  The hirer didn't even know what I get paid but was willing to offer that much more.  I didn't take it and instead got a friend with similar skills hired.  The job lasted 6 months and then the money ran out.  Still very happy working a fun job with a great boss and friendly co-workers for the past 17 years.


Capital gains taxes for a year are calculated on sales of assets that take place during that year.  So if you sell some stock in 2016, you will report those gains/losses on your 2016 tax return.


I didn't know what I was doing. The cryptocurrency NEO was being hyped up on a message board so I just impuslively threw 1k into it. I got luck. Now I have 15k in OMG coin. Apparently we are going to see 10x gains. At the end of the day investing isn't relaible enough to replace a solid income so unless I make 7 figures, so I'm not going to be leaving my parent's basement anytime soon.  But I guess you're right about 24 year olds not buying houses these days. I just felt really insecure because this girl made 10 times as much as me. I'm a cockroach compared to her.


> ever eat paper?  Yeah, of course, plenty of times. Not (usually) intentionally, but sometimes a wrapper will get stuck, etc. Also, it's a good way to get rid of something if you don't have a lighter.  More so when I was a kid and messing around with 'secret notes' and the like but.. ..yeah, I've eaten paper.    Granted, I've probably eaten gold as well, and there are some benefits or health values of gold.. .. within the pseudoscientific / alt-health crowd.. ..not sure I buy into those but. ..it has some value.   But, nothing like paper. Obviously there are different materials used for making paper.. ... lots of barks have a value from a health perspective, a relative nutritional value. Growing the tree, depending on the type, can provide fruit, building materials, etc.. ..with the pulp providing a paper value. So, multiple benefits can come from paper.. ...and, that's just the post-harvest aspect.. well, the case of fruit I guess not.  but, there's the environmental benefits of trees and such as well; habitats for wild life, wind breaks, carbon sequestration. soil health, etc.  Multiple benefits, and that's just from tree-based paper.  If you expand it out to something like, say, hemp paper? well, there's the oil.. ... which can be used for fuel production, various other uses, and, most especially, the health benefits and consumption from it.. ...while the remaining fibers can be used for construction... be it compressed bricks, hempcrete (which has excellent values in strength, durability, insulation, weight-to-strength *ratio*, etc.  And, again, the health benefits of hemp oil... ...argued to be the single 'thing' you can consume solely (+ water) and get 100% of the nutrients you need.. ...in mixed ratios and obviously it isn't as great as other things in concentrations, but.. ..it's extremely nutritious.    Also, the plant is really good for the soil, again, habitats, sequesters carbon, helps to pull toxins and such *out* of the soil for bioremediation. Is quick to grow, grows densely, is durable, has minimal inputs needed, hardy, ... all around a great crop.  and, again, the health benefits of its oil are *combined* with its paper making capabilities. .... and, good strong paper too. has a great weight, feel, durable, can/will last a really long time if properly handled.. ..and has much wider variance *in* 'proper handling' than tree-based paper.  Solid product. You should look into it, ... here, I'll give you some links to help you out.  * [9 Health Benefits of Hemp Oil That You Should Know](http://www.zliving.com/wellness/natural-remedies/9-health-benefits-of-hemp-oil-that-you-should-know)  * [10 Incredible Benefits of Hemp Oil](http://herb.co/2016/10/17/incredible-benefits-hemp-oil/)  * [12 Ways Using Hemp Seed Oil Will Improve Your Health & Your Life](http://www.naturallivingideas.com/hemp-seed-oil/)  A bit sensationalistic in the headlines... and, well, as to be expected I suppose, but regardless, pretty great stuff!   ..and, again, that's just the oil. The post-oil-extraction pulp can still go on to be used for the more-applicable-to-conversation paper.  But, since USD's seem to be the main focus... ...though other countries are progressively (or more-progressively I suppose) utilizing even *more* durable plastic in their notes.. ..but, for USD, still paper.. and, as such, the more durable cotton paper.  Now, comparing cotton to hemp is really... .. [hemp wins nearly every time](https://www.davidwolfe.com/hemp-vs-cotton/)  but... cotton is cotton and, recent headline and social controversy of cotton flower decorations aside.. cotton is cotton. Most everything that I'm wearing right now is made of cotton. It's a nice fabric. Durable, flexible, soft, etc. Good stuff. Not the easiest to work with but, clearly not something the world is in short supply of.  but, that doesn't really address your point though exactly.. Like hemp, you can get cotton oil (or cotton seed oil to be more specific) from the plant while also getting the fibers that you'd need for paper production.   It's a bit of a 'mixed back' and definitely *not* as straight forward as hemp's purported health benefits (and I didn't even *get* into the CBD oil stuff that hemp can provide)... .  * [15 Benefits of Cottonseed Oil](http://www.searchhomeremedy.com/15-best-benefits-of-cotton-seed-oil/)  * [7 Amazing Benefits & Uses of Cottonseed Oil](https://www.organicfacts.net/health-benefits/oils/cottonseed-oil.html)  * [10 Best Benefits of Cotton Seed Oil](http://www.stylecraze.com/articles/best-benefits-of-cotton-seed-oil/#gref)  but, from there, things start to turn a little south, and weren't necessarily all that 'great' to begin with....  * [Is Cottonseed Oil Okay?](https://www.drweil.com/diet-nutrition/nutrition/is-cottonseed-oil-okay/)  * [3 Best and Worst Oils For Your Health](https://www.bonappetit.com/trends/article/3-best-and-worst-oils-for-your-health)   So, I suppose my point is... if I even really have a singular one... is that paper, regardless of source, has at least *some* sort of nutritional value.. or could anyway.  As well, the crops used to produce the paper have the capability of ranging from some medicinal qualities all the way up to a seemingly really beneficial quantity of nutrients and compounds. At worst, the crops provide a habitat for various organisms.   The problem with gold and paper currency is that, in the end, they're both inherently valued by the civilization that deems them valuable.   I mean, take the quantity of gold in reserves around the world. Cross that with the industrial uses of gold (of which there are many) and, in turn, cross that with the artistic value of it.  It's price isn't based on its use... it's based on similar principals *as* fiat (paper... and, increasingly, plastic) currency: society's perception that it has value.  Gold has many properties that are excellent for many applications... superior to most (all?) in certain cases. ...but, that's not why it's valued at its current price.   ..again, it's valued at its current price because of perceived value.  Even from an artistic perspective, the amount of gold used in the Palace of Versailles... for the paint and such, was 'minuscule' given how much of the palace is covered in gold. It was something like just a few ounces because the layering is so thin. Point: if 'the look of gold' was all that people were going for they could easily just use another metal coated in a very thin layer of gold and.. externally, the appearance would be the same effect and the weight could theoretically be even lighter (or heavier). But, people want *more* than 'just the look'. They feel that the gold itself has a value beyond just the 'look'.. ..and, for all intents & purposes, it *does*.   but *only* because they and other people choose to perceive it as having such.  I've traded gold (profitably) for over 20 years. I understand the arguments very well.. ..but, vs food? In the end, the gold is a means not an end.


It is best to take advise from / appoint a professional CA. Will I have to pay GST? No GST is applicable. Exports outside of India do not have GST. Do I have to collect TDS when I send money to the PUBLISHERS ? No But another guy said, I have to pay 18% tax when receiving and sending payments, apart from that I have to collect 30.9% TDS when sending payment to the PUBLISHERS(outside India). There is only income tax applicable on profits. So whatever you get from Advertisers less of payments to publishers less of your expenses is your profit. Since you are doing this as individual, you will have to declare this as income from other sources and pay income tax as appropriate. Note there are restrictions on sending payments outside of India plus there are exchange rate fluctuations. It is best you open an Foreign Currency Resident [or Domestic] Account. This will enable you payout someone without much issues. Else you will have to follow FEMA and LRS schemes of RBI.


I will attempt to answer three separate questions here: The standard answer is that an emergency fund should not be in an investment that can lose value.  The safest course of action is to put it in a savings account or other very low risk investment somewhere. This question becomes: can a reasonable and low risk investment in Sweden be comparable to or better than a low risk investment in Brazil? Inflation in Brazil has averaged a little less than 6% over the last 10 years with a recent spike up above 8%.  A cursory search indicates interest rates on savings accounts in Brazil are outpacing inflation so you might still expect a positive return on money in a savings account there. By contrast, Sweden's inflation rate has been around 1% over the last 10 years and has hovered around 0 or even deflation in recent years.  Swedish interest rates for savings accounts right now are very low, nearly 0%.  Putting money in a savings account in Sweden would likely hold its value or lose a slight amount of value. Based on this, you might be better off leaving your emergency fund invested in BRL in Brazil. The answer to this a little unclear.  The Brazilian stock market has been all over the place in the last 10 years, with a slight downard trend in recent years.  In comparison, Sweden's stock market has shown fairly consistent growth in spite of the big dip in 2008.  Given this, it seems like the fairest comparison would your current 13% ROI investment in Brazil vs. a fund or ETF that tracks the Swedish stock market index. If we assume a consistent 13% ROI on your investment in Brazil and a consistent inflation rate of 6%, your adjusted ROI there would be around 7% per year. The XACT OMS30 ETF that tracks the Swedish OMS 30 Index has a 10 year annualized return of 9.81%.  If you subtract 0.8% inflation, you get an adjusted ROI 9%. Based on this, Sweden may be a safer place for longer term, moderate risk investments right now.


You can't just emigrate from a country like Pakistan to the USA, Canada or Australia; they will refuse you entry to their country. E.g. for the USA, even if you're are skilled enough that an American company will hire you (which is obviously the first step – so called 'economic refugees' are sent back immediately), you're a long way from obtaining a green card. Right now, Pakistan isn't even allowed to participate in the Green Card Lottery. What you also need to consider is that the cost of living in those countries is a lot higher. There are websites, like this one which allows you to compare them between cities all over the world. So while you would earn a lot more money, you also need to spend a lot more.


In 2 days I am at 40 votes. I just have 210 more to go. The biggest reason people do not vote is because they loath sharing their contact information with the Mission: Small Business application. This privacy issue is considerable and understandable. The good news is you can disable the app after voting however LivingSocial and Chase bank are still going to have captured legally your email.  Facebook, promises not to share your password. One can only hope that is the case.


My friend runs a vocation school for high school students.  They have a number of programs where they teach specific machines and techniques to students and companies provide teaching, sponsorship, and hire students.  It is a win-win for the school, they get some machinery, a good relationship with a large company, and they get kids hired every year at a very good starting salary.  It isn't so specific that the kids are useless anywhere else, the companies just provide curriculum input on what is important.


Think of options as insurance. An insurance company makes money by selling the policies at a rate slightly higher than the average payout.  Most options expire worthless. This is because most options are purchased by hedge funds. To 'hedge' means taking out insurance in case your position goes against you. So the sellers of options obtain a price that covers their (averaged) losses plus provides them with a profit for their trouble.  An option has an amount that it declines in value each day (called theta). At the expiration date the option is worth zero (if it is out-of-the-money). So it is option writers that, typically, make money in the options market (as they are the sellers of insurance). If they didn't make money selling options they would not sell them.  For example, the February call option on SPY strike 200 traded at 8.81 on 12/30. Since then it has crumbled in value to 0.14. The option writer currently stands to make a huge profit.  So, just as with insurance, you (generally) never make money by buying insurance. But the sellers of insurance tend to make money as do the writers of options.  Edit: Theta @ Investopedia


Your question is missing information. The most probable reason is that the company made a split or a dividend paid in stock and that you might be confusing your historical price (which is relevant for tax purposes) with your actual market price. It is VERY important to understand this concepts before trading stocks.


Here is an article that explains this: http://finance.ninemsn.com.au/pfproperty/investing/8123730/negative-gearing-explained. In essence, it is an investment set up to produce near-term losses for tax purposes by means of borrowing without positive cash flow. The investor hopes that despite operating at a loss, the property will appreciate in the long run (and long-term capital appreciation is typically taxed at a lower rate than current income).


Find a mechanic in the area that will, for a fee, do a pre-approval inspection.  Then when you call the seller to inquire you can ask them to let you take the vehicle there as part of your test drive. I'm not sure how many RV mechanics there are that don't work for a dealership, and those that do may be less inclined to assist you in purchasing from a private party.  You could also have a friend or family member who is a mechanic or good with vehicles come along.  Also, the seller may not want to bother with the extra hassle, and if it really is a good deal, they likely won't need to.   Of course, the other option is to just test drive it and trust your gut.  This doesn't sound like a huge risk at 2K.  Even if it breaks down right away and can't be repaired for a reasonable price, you could scrap the vehicle and hopefully make up a significant portion of the purchase price.


Lol. Anyone that thinks he has earned it is just a clown. Please tell me where 2 years of work experience leads you to be the CFO of a global company. This kid probably has influential parents. How did he become a partner at 3G. How many fucking years of work experience has he had.


"> can I use venture like that in a financial context, or does it refer specifically to venture capital?  Yes, any business is a ""venture"" so to speak.   > so they would receive a smaller return, yes?  POSSIBLY yes.  Mezzanine investors are, well, ""middle"" investors. They're beyond seed and venture capital, but before more ""late-stage"" private investment. That doesn't *necessarily* mean they're ""after a seed or venture capital investment."" It can mean that, or it can simply mean the business is a little more advanced than a pure idea, or pre-revenue, etc.  Let's say a company is pre-destined to get to $100m in value IF it can secure funding. Naturally, later investors will have a smaller return. Of course, private investments are generally for smaller, younger companies, and thus are more risky, so an investor can still *lose* value in a private equity investment.  > Is mezzanine investing particularly profitable?  Yes, absolutely. You have to understand, with investments in private equity, firms and individuals are often looking for a *multiple* of their investment (i.e. if an investor invests $1m, they expect $2m, $3m, etc. back). This is not necessarily for all levels of private equity, but many levels will attempt this. Generally the idea (as far as I'm aware) is a 20% IRR (which means that generally, the investment grows by 20% *compounding* yearly).   > Secondly, why is dilution so important further down the road? Is it to do with valuation?  Absolutely. Let's think of our example earlier, where you, me, and Joe each own 33% at $300 total value.  If suddenly another company wants to buy ALL of our equity for $600, then we're all pretty happy. Each of us will get $200. HOWEVER, let's say Joe hadn't come along. If that other company *then* made an offer for $600, we'd both get *$300* for the company.   There's some other things about dilution too, such as the possible loss of control, but we'll save that for later.  > Finally, at what point would a company aim to meet an IPO? Is it case specific, or is there a general understanding of the ""best time""?  It's VERY case specific. In *most* cases, depending on the industry, the company will be relatively a bit older, have both revenue and profitability, and a history of operations. In some cases, companies like this will choose to *never* go IPO (such as the Big 4 auditing firms, for one, among others).   There are, of course, exceptions. Many smaller pharmacueticals are *pre-revenue* and are traded on the market. Tesla is getting revenue, but *not profitable* and it's on the markets as well. These are, naturally, riskier investments, but at least you've got liquidity to help a bit with that.   When a private equity (PE) firm is looking to exit (sell their stake) through an IPO, they will try to engineer the company to be as attractive as possible to public investors. In fact, many PE firms will stipulate specific terms, and possibly get control of the company from the owner, when they initially invest. But there's a lot that goes into it. Perhaps /u/wreckingcru or /u/Seraphinic can go into a bit more detail on PE exits as while it's my chief interest and my career goal, it's not quite where I'm at *yet.*"


I'm assuming you don't see the fundamental problem with your position. Tech is dominated by white men. To argue that the cause is that women, blacks, hispanics, and others are biologically inferior is part of the conditions that contributes to that imbalance. This is about  racism, misogyny, and how they can be used to justify harm to significant proportions of the earth's population. That's not ok.


Bitcoin could work fairly well. Each site can just give you a wallet to dump money into. Can also do micro-payments where you could pay per-article. With a shared private key on a wallet you keep topped up, they could remove the money as you browse. I can imagine businesses that sell you hard-drive space based on the amount you use rather than a cap, calculate the cost of transmitting each packet of data. You can have one program to manage all the wallets for all your sites. But it would need more penetration before that happens.


"So some background here - when corporations, large ones have to deal with tax, they generally try to avoid as much tax as possible. Since there are places that are ""tax havens"" where there is less to even no tax on profit, a lot of money gets routed there to avoid taxes in other places (US or other unfavorable countries). The problem with this from an IRS/government view is that they keep losing millions/billions of dollars in money because of this. I think the corporate federal tax rate is around 35% and that is without state taxes.       Unfortunately when you have less and less money at home - less investment at home happens. Corporations stop doing business at home because they have more money somewhere else - and it makes sense to move more of the company to where the money is or to more favorable tax locations. Even worse - the corporation might just ""save"" its money somewhere else and kill all reinvestment - thus the money is effectively dead to the rest of the economy.      There is a lot of talk about a 'one-time' repatriation tax to allow companies that have dodged their tax burdens to have their money come back to the US (and thus can be used locally) at 10% instead of 35% since there is theroretically a vast amount of cash that would be injected into the US economy. The government is hoping this stimulation will help GDP grow, taxes grow, and help the economy as a whole. In reality, it will reward corporations that broke the law (even though everyone does it), and probably just go into savings accounts here in the US - and not be the ""silver bullet"" to the economy on verge of collapse again."


"What Apple and Microsoft understands, but Sony doesn't, is that hardware is bullshit. Sony is, perhaps irrevocably, stuck in thinking they're a consumer electronics company, not giving a shit about their real job as a content discovery service. Microsoft knocked it out of the park with the XBox experience, while Sony somehow manages to make each iteration *worse.*  It's depressing to see so much potential go to waste -- Sony could have an *amazing* experience-driven platform, were they not so tear-inducingly inept at understanding how their market works. They have enough movies, games and music to completely crush their competition, and yet they let it rot on the underdeveloped, user-hostile PS3 platform. Have you ever gone ""just browsing"" on the Playstation Store, or, even worse, tried to quickly find that game you *know* is on there? You'll tear your hair out.  At some point, such horrible mismanagement of intellectual property has to be punished."


"One small advantage to paying ahead is having an outstanding installment plan may preclude unlocking the phone for use on other carriers, for example during international travel. If unlocking is important, researching the particulars would be in order. I am more familiar with T-Mobile, and will use as a specific example. If I pay upfront, I can purchase the phone from Apple totally unlocked, and T-Mobile has no say in whether I use it on another carrier or not. (This actually costs a little more, because the phone from Apple doesn't come with a SIM, and T-Mobile charges for the SIM. At least as of iPhone 5s.) Looking at ""Unlock your mobile wireless device, Unlock Requirements"" on T-Mobile's website, at least some payment plans do not allow unlock until the phone is paid off. Obviously phones purchased for full price from T-Mobile start out paid off."


"Can you easily stomach the risk of higher volatility that could come with smaller stocks? How certain are you that the funds wouldn't have any asset bloat that could cause them to become large-cap funds for holding to their winners? If having your 401(k) balance get chopped in half over a year doesn't give you any pause or hesitation, then you have greater risk tolerance than a lot of people but this is one of those things where living through it could be interesting. While I wouldn't be against the advice, I would consider caution on whether or not the next 40 years will be exactly like the averages of the past or not. In response to the comments: You didn't state the funds so I how I do know you meant index funds specifically? Look at ""Fidelity Low-Priced Stock"" for a fund that has bloated up in a sense. Could this happen with small-cap funds? Possibly but this is something to note. If you are just starting to invest now, it is easy to say, ""I'll stay the course,"" and then when things get choppy you may not be as strong as you thought. This is just a warning as I'm not sure you get my meaning here. Imagine that some women may think when having a child, ""I don't need any drugs,"" and then the pain comes and an epidural is demanded because of the different between the hypothetical and the real version. While you may think, ""I'll just turn the cheek if you punch me,"" if I actually just did it out of the blue, how sure are you of not swearing at me for doing it? Really stop and think about this for a moment rather than give an answer that may or may not what you'd really do when the fecal matter hits the oscillator. Couldn't you just look at what stocks did the best in the last 10 years and just buy those companies? Think carefully about what strategy are you using and why or else you could get tossed around as more than a few things were supposed to be the ""sure thing"" that turned out to be incorrect like the Dream Team of Long-term Capital Management, the banks that were too big to fail, the Japanese taking over in the late 1980s, etc. There are more than a few times where things started looking one way and ended up quite differently though I wonder if you are aware of this performance chasing that some will do."


I take some offense to your statement that I'm 'clearly jealous of the rich.'  That honestly sounds like a really douchey statement someone out of touch with reality would make... someone who is either naive, or has had everything handed to them for most of his/her life. I was stating facts, not making some attack on my buddies achievements.  I live very comfortably.  I just have something called empathy, and I can understand that things aren't as simple as you lay it out for everyone.    Even the example you provide is idealistic.  That kid had everything fall into order for him, not to mention his situation was ideal.  I too had my own business when I was living at my parents and in middle school and high school.  I also had my own employees, 8 in fact.  In fact, I wrote my college application essay all about it.  But you know what? Not everyone has the time, people might have families, mortgages, debt to pay off, and that 'extra time' you speak of after work, that could be spent working a 2nd job, taking care of kids, or hell, relaxing.  I know in my present job if I didn't have the time to relax after work I would go insane.  You need to understand that your 'solution' isn't an adequate solution for everyone.  Even hard working people who pull way more demanding hours than yourself often times cannot afford to pursue the path you suggest.  It's also not as simple as having an idea.  Idea's are cheap.  Execution takes patience, finesse, and lets be honest, a lot of luck.


"The fact that some women have taken their companies for a ride does not negate the existence of [Title VII protections](http://en.wikipedia.org/wiki/Civil_Rights_Act_of_1964#Title_VII). Downvote me all you want, but this is *the law*. The practices being described in the article are illegal, as observed by the researchers themselves (who, it's worth noting, are a *law firm*), and expose the involved companies to lawsuits that would cause more financial blowback than making the ""riskier"" hires in the first place."


Please. Say what you will about Trump, but let's not pretend the ACA was working, or that it was good for young people. It did *nothing* to rein in the healthcare and pharmaceutical corporate-cartels. Under the ACA, Americans still had the most expensive drug costs in the world.  Young people were also the group most screwed by the ACA. The entire plan rested on forcing young people to pay for the health care of boomers. One of the reasons the program was failing so badly is that young people turned out to not be stupid -- and they were opting out in numbers vastly higher than bean counters had predicted.   The ACA was literally written by health insurance companies and Big Pharma. Anyone who doubts this should pull up a chart of healthcare, insurance and pharmaceutical sector stocks for the time-period the ACA was signed. If the ACA had been anything other than a forced buy-in to an already ridiculously overpriced sector, those stocks would have cratered. Instead they soared. If you want to know who got screwed by the ACA, it was people under 35 -- whose healthcare spending *rose* per capita as a result of that atrocious tax.   And let's not forget that the annual price-tag for all of us was climbing by unsustainable rates every year. (Along with those fat healthcare stocks).  That turd was failing of its own accord. It was a terribly crafted bill. If you want to fix healthcare in the US you need to get rid of money in politics, and by cutting the absurd legal/financial protections granted to the insurance and pharmaceutical industries.  (Which by the way, Trump isn't doing either. We *still* don't have a candidate on either side of the aisle with the balls it takes to fix this extremely busted industry. And it starts with campaign finance reform)


The question Why would refinancing my mortgage increase my PMI, even though rates are lower? contains a decent discussion of PMI. It's based on the total amount you borrow, not just the difference to 80% LTV.  For easy math, Say you put 15% down on a $100K house. Your PMI is 1.1%, not on the 'missing' $5000, but on the $85000 balance. So you are paying $935/yr extra due to the $5000 you didn't have available. In addition to the mortgage itself. Even at 90% LTV, you'd pay $990/yr for the fact that you are short $10,000.  Other than this discussion of PMI calculations, Chad's answer is pretty thorough.


And for your amusement and entertainment, the Orange Orangutan will be assaulting the teleprompter, soon, in an effort to impress upon you why making him and his friends and puppet masters richer is your patriotic duty and even though you are too fucking stupid to understand, its good for you, so just shut the fuck up and lube up, because this is going to hurt you a lot more than him.  Especially if you are on your knees


Yes.  I've spoken to mortgage officers from various banks who will do conventional loans with anything as low as 3.5% down, however there are many more restrictions (e.g., normally you can borrow funds from a parent or relative for a down payment, in this case that was prohibited). If you are already pre-approved, then your approval letter should state the specifics you need to adhere to.  If you would like to modify that (e.g. put a smaller amount down), then you could still get the loan, but your pre-approval won't be valid. I would recommend speaking with your lender (and perhaps with a few others as well) about the new home you are looking at.


>Nothing. Nothing at all is the problem, which is why i'm not sure why you aren't doing so right now. It's perfectly legal.   I've already explained this in other posts, but I'll say it again here:  Dollars have an unfair legal advantage to other potential-monies.  Understand?


Have an upvote. I don't really understand the issue of money competition. There really isn't anything stopping me from putting my wealth in any other currency, or any other store of value for that matter (gold, stocks, bonds, lollipops, prison cigarettes). The value of a domestic currency is affected by the relative value of these others.


> Other values out there? What?  Assets like businesses and private estates. They have values. I think this is what is called CCM (Credit Counterparts of Money)?  > which do not properly consider - or even ignore - the concept of leverage.  If you by leverage refers to the FRB, I think central banks understands this mechanism? That is what they use the interest rate control, as well as regulations.  > all that debt will either have to be paid back or defaulted upon  Does it really? M2 and M3 doesn't have to be payed back. It can grow for all future, as long as they match the assets.


You might be thinking of the Overnight market/Overnight Rate. This lending happens constantly.


"Technically filing fee is probably a ""startup cost"", but yes - its a kind of an expense. The yearly recurring fee is an expense."


The irony is Walmart would probably get more of my business if they hadn't copied Amazon and gone the market place route. Their online site is a disorganized mess without any of the customer service or guarantees you get from Amazon. Their one strength would be if I could go on their site check the inventory and go pick it up at the local store. Instead unless it's an absolute emergency I just order from Amazon and wait the 2 days for delivery when I buy the same type of products I used to purchase at  Walmart.


I work for an investment group in Central Asia in private equity/project investment. We use SPV and collateralized convertible loans to enter a project, we issue the loan at our own commercial bank. For each industry, the exact mechanisms vary. In most outcomes, we end up in control of some very important part of the business, and even if we have minority shares on paper, no decision is made w/o our approval.  For example, we enter cosntruction projects via aquisiton of land and pledging the land as equity for an SPV, then renting it to the project operator.   Basically, when you enter a business, be in control of the decisions there, or have significant leverage on the operations. Have your own operating professionals to run it. Profit.


"> why would it be so hard to say ""Monsanto #204054 Strain Corn"" instead of ""Yellow Corn""?  Because it's incredibly hard to track individual strains like that.   >The whole ""let's engineer herbicide-resistant crops"" model gives a license for carpet-bombing with herbicides, instead of judicious use.  Do you know the application rate for glyphosate? Or the relative toxicity and persistence of the older herbicides?  > It would not surprise me if such crops end up reaching the market with higher average levels of herbicide residue.  You could look into it. Instead of making assumptions.   > If the benefits weren't obvious for the consumer, it became easy for the conspiracy-theorists to take hold of the story.  The benefits aren't to the consumers. At least not directly. More efficient yields and transitioning to less toxic herbicides while reducing insecticide usage are benefits for farmers."


Gift tax is not an issue here. If a U.S. Person were to receive the wire transfer for me, and then immediately transfer the money to me This is a classic money laundering/scamming technique. You and your friend may end up talking to the FBI, not the IRS.


1) Always treat an internship as a regular job offer.  A) The company will expect you to work just like a new hire. and B) The more you act like a hired employee, the more they will want to offer the job.  2)But it was just the tip


would you earn $600 or $1600?  You would have $1600, and your earnings would be $600. That's the only answer it could be, since if you start with $1000 from your savings, then it's impossible for you to have also earned that money in the stock market. When you sell, do you keep your original capital, ($1000)? If you own a car which you bought for $1000, and then sell it for $1600, do you keep the original $1000?


"Just looking at the practicality: Because the total value of outstanding mortgages in the US is about $10 trillion, and the government can't afford it without printing enough money to cause hyperinflation. The cost of saving the banks was actually much less than the ""hundreds of billions of dollars"" that is quoted, because most of it was loans that have been or will be repaid, not cash payments."


VBA is valuable and I use it all the time but the reason I didn't mention it is because I question its long term value. There is a shift underway in my industry (energy trading) away from excel. Things have become so data intensive that models can no longer survive in excel alone, everything has to be built in R and housed on a SQL database. The older analysts only know excel and some of them VBA, it is killing them as fewer and fewer employers will even look at a resume that doesn't have R on it.


"The whole premise of the article is that there is not enough ""aggregate demand"" aka spending in the economy, a theory rooted in a Keynesian understanding of economics.  When will we finally realize that this is all completely wrong?  We've tried this for decades and it's only lead to unsustainable public debt.  Americans need to save right now, not spend.    [Keynes' War on Capital Formation](http://www.alhambrapartners.com/2011/11/02/keynes-war-on-capital-formation/)  >No distinction is made between consumptive and productive spending in [the Keynesian] framework.  And this is the all-decisive point: Keynesians have cause and effect backward here, as in so many other places.  Spending, for them, induces demand, which evokes production (and, it is assumed implicitly, the creation of capital).  This is of course tragically and naively backward, for it is production that yields income that permits spending."


This may only apply to Canada, but I would ask if the mortgages they lend are non-transferable. Meaning if you decide in year 2 of your 5 year term that you want to sell and move you pay a penalty, rather than be able to transfer the mortgage to a new house.


The definitive answer is: It Depends. What are your goals? First and foremost, you need to have at least 3 months expenses in cash or equivalent. (i.e. an investment that you can withdraw from quickly, and without penalty).  The good news is that you don't have to come up with it instantly.  Set a time frame - one year - for creating this safety net, and pay towards that goal.  This is the single most important piece of financial advice you will receive. Now determine what you need to do.  For example, you may need a car.  Compare interest rates on your student loan and the car loan.  Put your cash towards whichever is higher. If you don't need a car or other big ticket item, then you may consider sticking your surplus into the student loans.  50k at $1650 a month will be paid down in about 3 years, which might be a bit long to live the monastic lifestyle. I'd look at paying down the smallest loan first (assuming relatively similar rates), and freeing up that payment for yourself.  So if you can pay off 1650 a month, and free up $100 of that in six months, then you can reward yourself with half that surplus, and apply the other half to the next loan.   (This is different than some would suggest because you're talking about entering severe spartan mode, which is not sustainable.)   Remember that life happens.  You'll meet someone.  You'll have an accident, your brother will get sick and you'll give him some money to help out.  You've got to be prepared for these events, and for these reasons, I don't recommend living that close to the edge.  Remember, you're not in default, and you do have the option of continuing to pay the minimum for a long time.


"Salut, c'est Vincent. Ce qui m'arrive est assez incroyable. Suffisamment pour que je t'en fasse une vidéo.  En fait je vais faire des vidéos toutes les semaines pour marquer l'évolution de ce que je croyais être quelque chose de ""récréatif"", et qui s'avère être un véritable Business avec un B majuscule ! Cette vidéo c'est pour t'informer... et tu voudras en savoir plus... c'est certain. Alors contacte-moi via vincentmusschoot@gmail.com ou par le numéro de téléphone indiqué dans la vidéo... C'est une réelle opportunité, internationale, ouverte à toutes nationalités, et pour tout le monde sans aucune exception... Bienvenue dans mon équipe !"


"Currencies don't really have intrinsic value. You can't compare bitcoins to tulips because you can't grow 200x more bitcoins next winter to push the price down to its intrinsic value.  Bitcoins are scarce and like gold, the intrinsic value doesn't matter anymore, it's all about supply and demand and there will always be bitcoin fans with money that won't let it go to 0$. And compared to gold, bitcoin is still very very cheap, so even if the bubble ""bursts"", it will grow again."


"You lose out still... if you have a very disruptive student in the classroom who takes all of the teacher's attention just to deal with, the instruction of the other students may not be as good as the teacher could have delivered given a different set of students.  You also need to account for things like engagement of the parents. Not all learning happens in the classroom, and some reinforcement of that learning needs to happen in the home. A student who refuses to do homework of any kind and who's parents accept or encourage that behavior is going to do worse than a student who's parents actively encourage doing homework and reward good performance in school.  Oh... and some of the implementations of ""No Child Left Behind"" encourage pacing to the slowest student rather than challenging all of them at the level they can be challenged. It's pretty broken."


Do you have an emergency fund? If so, one idea is to put money into a Roth IRA, and invest it conservatively (short term government bonds, or a IRA savings account).  Since you can withdraw your contributions from a Roth at any time, this could serve as most of your emergency fund, which means you could then use your existing non-tax-sheltered emergency fund to pay down the loans. This way if an emergency does come up, you have access to the money.  And if an emergency doesn't come up, you have some tax-sheltered funds that you would not otherwise have.


Educational requirements don't necessarily translate into better teachers. You have shortages of math teachers in part because the requirements don't include math but focus almost entirely on teaching. If the teacher doesn't know the material it's rather irrelevant how good they are at teaching it.


I would definitely seek advice from professionals or others with more experience. A lot of times the wording can be changed and it will drastically alter the perception of a work. Shop it around to people who are well-spoken or very good at that business-style of language. The more professional and well-written it is the better it will be perceived.


If it wasn't true before I learned it than how was I taught it in the first place e where I would believe it?   Do you know what gish galloping is? I'm perfectly open to other viewpoints but I'm not going to watch two long videos. Can you just make the points in these vids?


Express yourself as being disloyal and see what happens next.  I have been loyal to every company I have ever worked for since I started working at fourteen. I am now sixty.  Some things have not worked out for me, but I own a home. I have a good job that I love. I work hard and I earn a good living.  Be disloyal to your company and put *that* on your resume and see what your future holds for you.  All you have to do to be loyal to your company is do your job and not betray them. Some companies I have worked for have, in fact, gone out of business while I was working for them and I lost my last paycheck, but I moved on.  In my opinion if you hire me and you pay me for my work, if I understand my obligations to my employer and my employer understands its obligations to me then I am loyal and if I am not happy two weeks notice is my prerogative if there is some reason I can't negotiate a solution.  I will never betray an employer. If I do not want to work somewhere I will leave.


As with most strategies there are pros and cons associated with this approach: Advantages of using LEAPS: Disadvantages of using LEAPS: Read more about it in great detail on my blog: http://www.thebluecollarinvestor.com/leaps-and-covered-call-writing-2/


My point is that conflicts aren't the reason why Accenture split from AA. More money was to be had with a separate Accenture, thus the original split, thus the lawsuits, thus the IPO. This was mirrored by every other BigX except Deloitte (who almost spun off consulting in 2003 as Braxton but stopped it at the last minute due to a crappy market).  Accenture has a completely different structure than the big4. Public companies don't pay as much in salary and bonus. For example, an MD at Accenture makes 250k, a Partner at Big4 makes 600k. Do the math.   Also salaries are much higher at Big4 than Accenture (check out glassdoor). We do a lot of recruiting and Managers at Accenture typically come into big4 as Seniors at a higher salary.  In the general category of consulting Accenture competes, but there are tranches. Accenture is definitely below big4 in bill rates, salaries and prestige (as big4 is below Bain/BCG/McKinsey).


Why would you bet it’s Sun Capital Partners? OP said it’s a firm that specializes in buying software companies. Sun is a generalist investor. Tech-specific funds include, but are not limited to: Vista, Thoma Bravo, Insight Venture Partners, JMI Equity, etc.


Jennings Smith is an experienced team of professionally licensed and credentialed Connecticut, New York &amp; New Jersey Private Investigators &amp; Security Consultants who have provided a wide range of private investigator, security and forensic services to clients nationally and internationally for the past 25 years