Hmm...this keeps happening, big numbers to you and I - but not so big as a deterrent or anything to stop them in the future. People in China and other countries will lie cheat and steal to move forward and get death sentences, does anyone really think a fraction of the profits fine will change anything?


"I think this gets at why some of us are becoming concerned about the volume (or more importantly the portion) of HFT in capital markets these days. You have algos trading based on ""technical trends"" which are increasingly just the behavior of other algos. Rinse and repeat. At a certain point it just becomes a feedback loop.  Now, I agree that there's no reason to be scared of HFT simply because its new or fast, which is what I think threatens a lot of people. But the problem is that the economic and social utility of markets arises from their being information aggregation engines. If it gets to the point where most of the price action is driven by algos which are trading solely based on a few minutes of technical data, no new information is being contributed to the price discovery process.   Now, it may be that a certain amount of ""meta-information"" can be discovered from pattern analysis of short term technical history. But it seems to me this information is more limited in both quality and quantity compared to the information inputs of thoughtful humans acting on a reasoned analysis of economic and other world events."


I tried automation and it didn't work as well. Automation is great if you want to sell or buy when a stock drops or rises; however, automation is terrible for day trading. Specifically because it is impossible to automate a program to scan every news feed. Even then, automation is only if you want to be the effect of a rise or drop in the market. A stock rises or drops and you sell or buy. The problem that arises is that it is nearly impossible to make money off of automating trades. You need to buy the stock before it rises and sell it before it drops. There is no way any program will ever be able to do that accurately.


For cross-border transactions like this you should really take advice from an accountant or lawyer who specialises in them, because there may be tax treaties between the two that complicate the situation. However, in general borrowing money doesn't have tax implications in itself, and there's no limit as such. You do need to consider the following points: If this is zero or less than you could plausibly get commercially, your friend is effectively giving you the difference between the interest rates. If your friend in Korea has a connection to the US she or he may be subject to the gift tax. In practice this only matters if the total amount of gifts they give to anyone over their lifetime plus the size of their estate over their lifetime is large. Non US-persons are exempt though if the amounts are large enough they may need to be reported. Financial institutions are generally required to report large international transactions (typical thresholds are around $10,000) for scrutiny by the government, in case the transaction is related to something illegal. This shouldn't be a problem in itself but you should be aware it'll happen. It shouldn't make any difference how you transfer the money, but it would be wise to get as much documentation as possible in case of later questions. The best place to get further advice would be the US bank you'll be transferring the money into initially. This is really a question for a lawyer given the cross-border nature of the transaction, but you and your friend should sign a contract specifying how and when the loan will be repaid. Your friend should also consider setting up the loan as a mortgage and taking a charge on your home. Even if your friend trusts you, a charge on the home will protect him or her in the event of you having financial problems and another creditor laying claim to the home.


"You need to hire a tax professional and have them sort it out for you properly and advise you on how to proceed next. Don't do it yourself, you're way past the stage when you could. You're out of compliance, and you're right - there are penalties that a professional might know how to mitigate, and maybe even negotiate a waiver with the IRS, depending on the circumstances of the case. Be careful of answers like ""you don't need to pay anything"" that are based on nothing of facts. Based on what you said in the question and in the comments, it actually sounds like you do have to pay something, and you're in trouble with the IRS already. It might be that you misunderstood something in the past (e.g.: you said the business had filed taxes before, but in fact that might never happened and you're confusing ""business filed taxes"" with ""I filed schedule C"") or it might be the actual factual representation of things (you did in fact filed a tax return for your business with the IRS, either form 1120 of some kind or 1065). In any case a good licensed (CPA or EA) professional will help you sort it out and educate you on what you need to do in the future."


As a general rule of thumb, age and resiliency of your profession (in terms of high and stable wages) in most cases imply that you have the ABILITY to accept higher than average level of risk by investing in stocks (rather than bonds) in search for capital appreciation (rather than income), simply because you have more time to offset any losses, should you have any, and make capital gains. Dividend yield is mostly sough after by people at or near retirement who need to have some cash inflows but cannot accept high risk of equity investments (hence low risk dividend stocks and greater allocation to bonds). Since you accept passive investment approach, you could consider investing in Target Date Funds (TDFs), which re-allocate assets (roughly, from higher- to lower-risk) gradually as the fund approaches it target, which for you could be your retirement age, or even beyond. Also, why are you so hesitant to consider taking professional advice from a financial adviser?


"Did you actually read the links? One said ""Our car amassed quite the repair résumé during the last 17 months."" and the other was titled ""Consumer Reports' Tesla Model S has more than its share of problems"". Edmunds and Consumer Reports are pretty well recognized companies."


"It is definitely legal, however none of such expenses will be allowed as a tax deduction for the corporation. Basically, you'll end up paying more to maintain the entity and pay taxes on its income (the rent you're paying to yourself as a corporation) at corporate rates, for no apparent benefit. Being the director/executive in the corporation will make you liable for whatever the corporation is liable, so liability isn't going away. The reason corporation is considered ""limited liability"" for owners is because shareholders are shielded from the corporate liability. Not directors or executives (which are explicitly not shielded)."


"The monthly bill should reduce as required by Loan A no longer requiring payment. This will occur only when Loan A is fully payed off, not before. If you're going to do this, make sure you tell them that any extra money is principal reduction, and not ""prepayment""  Lets say you do pay off loan A, and you continue to pay $11 a month.  If you specify ""principle reduction"" for the $1 extra, they must reduce the loan balance by $1.  If you do not specify, or you specify ""prepayment"", they ""may"" apply $0.20 to principal reduction and $0.80 to interest."


It's still tax-deferred savings, unless the fees are terrible it's going to be better than investments that aren't tax deferred.


"This popped up on /r/health recently.    One thing that I'd point out:  the assertions that you'll suffer just as much from slow diets as crash ones are speculative; toward the end of the article, it notes that ""Proietto is now conducting a study using a slower weight-loss method and following dieters for three years instead of one.""  Obviously, n=1, but it doesn't jibe with my experience.  I got fat.  Didn't like it.  I started eating a diet where I would lose weight slowly and exercising a little more.  Now I'm not fat.  I eat a quantity of food pretty much commensurate with my caloric expenditure, I don't spend my days starving and thinking constantly about food, and enjoy exercising regularly.  This effect if it exists is definitely not universal."


It's always sad for the employees, a lot of them have been working there for years.        Liquidation sales are also a nightmare.  Lots of employees are leaving because they found another job and the ones left are stuck with all the mess.  I wish them good luck!


Mindfulness is the psychological process for freshens the mind and beat the anxiety and depression .It is the form of meditation which provided for the depressed and mentally disturbed person. Enlightened Buddha provides you course of mindfulness for refreshing your mind and solve your mentally problem. By this change your perspective and thought and increase your capability for making decision.


Certainly some channels like History (tbf it was always a little crappy) and Discovery turned to total crap but stations like FX and AMC went from showing shitty 80's movies to producing some of the best original shows of all time.   Sci-fi has gone mostly shit, but it still does sci-fi original programming.   Really, DVDs, DVR and Netflix have ruined rerun value. Networks can only make money on new stuff. So they show shit most of the time, and go to good stuff of a couple hours a week.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/talkbusiness] [Here's Walmart's Latest Attempt at Making Life Easier and Getting You Off Amazon](https://np.reddit.com/r/talkbusiness/comments/77zn6v/heres_walmarts_latest_attempt_at_making_life/)  [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*  [](#bot)


Disclosure - I love Jack Bogle. Jack basically invented the index fund, and as a result, let the common investor have an opportunity to choose a long term return of (S&P-.05%) instead of losing nearly 2% that many funds in that day charged. The use of index investing has saved investors many billions of dollars.  The 1% round trip, total cost to buy/sell, was common. Fees for trading have since dropped. I happen to use Schwab who charges $9 for a trade. On $100,000, this is not .5% ($500) but less than .01%. I think it's safe to say that billion dollar mutual funds are paying even less for trades that I do. I believe Jack's example here is a combination of old data and hyperbole.  The cost is not so much for the trades, per se, but for the people managing the fund. An index fund has a manager of course, but it's pretty much run by a computer.


Technical analysis is insufficient. You're halfway to figuring it out if you start to question why a 50 day moving average vs 200 vs 173. Invest in companies that are attractively valued vs. their sales/growth/divends/anythingelsereal


There is a company that will sell you single paper shares of stock for many companies and handle framing. But you pay a large premium over the stock price. Disney stopped doing paper share certificates a while ago, but you should be able to buy some of the old ones on eBay if you want.


"> Why do people act as if the minimum wage was created for high school students who are working part time?   I don't know. The minimum wage was created to protect unions from cheaper labor undercutting their monopoly on labor.  >“No business which depends for existence on paying less than living wages to its workers has any right to continue in this country...By living wages, I mean more than a bare subsistence level — I mean the wages of a decent living.” - FDR  ""Round up the people with the slanty eyes and yellow skin and put them in internment camps."" -FDR"


i would just google it and shit like that. How did you even get this interview and you have no idea what its about. I would kill for an opportunity like this and i would be scavenging the internet looking up all kinds of information about this position.


I have a basic template for creating a balance sheet, cashflow statement and P&L.   From here you can put in your assumptions, and expenses, then plug in your forecasted revenue (which you need to create on a separate spreadsheet. Would something like this help?


I think there is some confusion. I am saying I don’t understand. Not that “the point is not understandable”. I make these comments in hopes that someone can educate me. Yet I’m downvoted and criticized and receive none of the info I was curious about. Is there a sub that discusses economics as opposed to shouting down people that have questions as having bad logic?  Could you help me phrase my lack of understanding in a way that conforms to the expected decorum on this subreddit?


I'm on chapter 6 now. And I know for sure I need to study 1-4 the most. All the other chapters are coming to me easily since I work in a broker dealer back office processing most of this stuff.... I'll make sure to go through all the Q bank questions and practice questions, quizzes...etc.. thanks


No I am a technology consultant.  I have a serious beef with Facebook. It's a closed system, meaning you have to sign up for an account to view content on it, and every time a business uses Facebook what they're really doing is advertising facebook for free. Which is not how it should be done.  I always tell people that social media should be used to funnel visitors to their business and not the other way around.


Why not yet phone up the old bank, or log onto the internet banking and do a transfer to the new account.    You may first need to transfer from the saving account to a current account with the same bank.  (I have never had a problem doing this, but I do live in the UK)


> How would you value a bond?  Very basic approach is TVM.  This should have been taught in your first year accounting class.  http://en.wikipedia.org/wiki/Time_value_of_money  > How do you value an option? Using the Black–Scholes options pricing model.  BS opt pricing model is one (typically the entry level for teaching option pricing) stochastic model you can use.  It has limitations due to certain assumptions made (such as constant vol) but you're correct, you can value an option with it.  > How would you construct a yield curve? Draw a graph with maturity on the X-axis and yield on the Y-axis.  So that's how to draw an xy plane... yes you're correct.  That doesn't answer how to actually create a yield curve.  The most simplest approach of creating one is to bootstrap the curve using the spot and forwards.


Economies of scale and supply chain efficiencies.  Amazon has an absurd supply chain, their whole bet here is that (a) they can integrate their grocery business with the rest of their consumer services IT infrastructure to basically create a one-stop shop for everything and (b) they can use their logistics to cut prices dramatically relative to competitors.


You lose your job your pension your way of life so you can go buy shit at Wal-Mart made by communist Chinese slave labor and save $50 a month while you get the new job at minimum wage as a greeter - hey Wal-Mart FUCK YOU!!!


All investors of equal standing get the same proportion of the net assets on bankruptcy but not all shareholders are of equal standing. In general, once all liabilities are covered, bond holders are paid first as that type of investment is company debt, then preferred stock holders are paid out and then common shareholders. This is the reason why preferred stock is usually cheaper - it is less risky as it has a higher claim to assets and therefore commands a lower risk premium. The exact payout schedule is very corporation dependent so needs research on a per firm basis.


It's hard to trust a reporter who exaggerates such basic facts.  Assuming it's correct to use the $800 billion figure, why not just use that instead of bloating the number up to $3.7 trillion?  Like you said, if the bigger picture issue here is not $800 billion vs. 3.7 trillion, why lie about it?  The end result is that while something corrupt did happen with the banks involvement in the bond market, the public isn't getting truthful information about it either way.  Taibbi is doing a disservice to the public by lying, because of the huge amount of disinformation, and insincerity coming from all sides of the issue, the public has no one to trust to give them credible information, and so the issue gets ignored.


I would attempt to argue with you, but you are so far gone there is probably very little hope I have the years left in me to get you informed. Sorry, but you are lost in an Oligarchy propaganda machine that is way too powerful for me to overcome. I am very sorry for you, but I just have to give up on you.


Somewhat of a false dichotomy..  While it's obvious that a long term solution to get people off the welfare rolls is preferred, in the mean time giving a man a fish will prevent him from, you know, starving to death..   There's a very real human component to poverty that is frequently missed when budget discussions come up.


You want the net expense of the surcharge minus the rewards to be no more than the interest that you would pay otherwise.   Where t is the compounding period for the rate D expressed as a fraction of the overall period for D.  So if D is an annual rate (not the APR, the simple rate), it would be expressed as something like 1/365 if compounded daily.  That is the number of years in the compounding period.  If a monthly rate or weekly compounding, that would change.   And p is the number of such time periods in the grace period.  So if the grace period were one month, this might be 30.   Other variables are as used in the question, all expressed as percentages (which is why I'm dividing by 100).  The D rate should be the simple rate, like 6% not the APR of 6.24% or whatever.   Note that I'm saying <=.  When equal, there is no financial advantage or disadvantage.  You could choose either method for the same cost.  Now, one method may be more annoying to implement, in which case you might add a fee for it on one side or the other of the equation.  Or simply change the less than or equal to be just less than.   I may be missing something that you should consider but I don't know.  The problem is generic enough that pertinent details might be hidden.  But hopefully this at least gives you a framework under which to consider it.


I am 17 and currently have a loan out for a car. My parents also have terrible credit, and because I knew this I was able to get around it. Your co-signer on your loan does not have to be your parent, at least in Wisconsin, I used my grandmother, who has excellent credit, as my cosigner. With my loan, we had made it so it doesn't hurt her credit if I don't get my payments in on time, maybe this is something for you to look into.


You can view certain US economic data with FRED Graph or download the data to play with FRED download. Here is some example tax data:


You're not wrong, and I was somewhat disappointed by how the case played out. But what I was getting at was that maybe it's posted here because of the case's context. I heard on the news he was charged with 8 things but only convicted of 3. I can't say I know what the other 5 were. (I'd look them up but can't right now because of circumstances) I might be on a wild goose chase there but I want to find out later.


To a mortgage lender, it appears that you have a temporary contract (perhaps extending for nine more months) with a agency that supplies workers to companies that need temporary help. You have been placed currently with a company and are making good money, but that job might disappear soon and then you will have no income while your recruiter tries to find you another assignment. How will you make your mortgage payments then? The recruiter agency's contract with your current company probably has clauses to the effect that the company agrees to not offer you a permanent job unless it pays a head-hunter's fee to the recruiter agency.  Your contract with the recruiter agency also likely has clauses to the effect that if the company where you have been placed offers you a permanent job,  you  must pay the recruiter company a fee (typically one or two months  of salary) to the recruiter agency as compensation for releasing you  from your current contract (unless the company hiring you pays the head-hunter's fee).  This is why the company where you are working right now wants to wait until after your contract with the recruiter company ends before making you an offer of permanent employment. Be aware that sometimes such clauses extend out to three months after the ending date of your contract with the recruiter company. As far as the condo is concerned, unless there is a specific one that you absolutely must have because it has an ocean view or other desirable properties, you may well find that another condo in the same complex is available some months from now.  If you are lucky, it may well have an acceptable ocean view. If you are even luckier, it may be the condo that you absolutely must have which has remained unsold all that time -- as you said, the economy is crappy -- and you will be able to buy it for a lower price from an owner getting desperate to make a sale. To answer your question: is there any way around this? My recommendation is to simply wait out the end of your recruiter agency contract and get a permanent job with the company where you have been placed.  Then there are no issues. If not, get your company to make a written offer of a  permanent job starting nine months from now and hope that this (together with your current employment) impresses your bank into lending you money. This might not work, though.  In the early 1970s, one of my friends was offered a job at a large aerospace company which lost a major contract in the interim period between offer and joining. My friend showed up for work on the day he was supposed to start, and instead of being processed through HR etc, his job was terminated on the spot, he was paid one day's salary, and shown the door.  Times were crappy then too. If this does not work, get your company to offer you a permanent job right away, pay off the recruiter  company yourself, and then go to the bank.


this piece offers a step-by-step guide you can use to get rid of errors in your annual credit report. it also tackles pointers you should always remember when writing a credit dispute letter. please tell your friends about it so that they might read it too!


I believe different banks have slightly different experiences.  My wife and I have both joint and individual accounts. When I sign in, I see Joint, Mortgage and Joe. When She logs in, she sees Joint, Mortgage, and Jane. It happens that the Mortgage and Joint accounts have her Social Security number attached. Aside from that, I don't feel like I am an afterthought.


I'm a debt guy, hence the bias, I guess ;)  Kitchenace's answer is relevant.  As for considering alternatives in a given situation, it sometimes happen. M&amp;A is often done through a combination of equity and debt for example.   Mostly, issuing equity dilutes control and potential dividend returns, while debt pushes your interest charges up and adds pressure to delever or refinance later. Balancing the two will depend on the company's intentions, it's capacities (servicing debt requires a more stable cash flow generation capacity, while equity is more rewarded by strong growth potential) and a host of other factors.


"What's your take on that website? I find it to be somewhat grating. There are some nice people who want to work together and help others to get a good job, but I feel as though they are massively outnumbered by extremely aggressive jerks. You look at posts that say ""I go to HYP, 4.0 GPA and student body president. Do I have a shot at BB?"" and the replies are mostly ""nah bro, give up now"" and ""some people just weren't meant to be alpha"" and bullshit like that. I also feel like the blog posts give vague, conflicting information. I feel like I get very mixed messages  on things like resume formatting and networking from that site."


People should come before profits. Allowing corporations to run fuck-all operations with profits being their sole concern is why our world is so needlessly horrible. It's possible to care about the planet and people while still making money. The system has just been rigged towards the Corporatocracy.


I want to mention I've found 2 options for more powerful tools that can be used to manage asset allocation:  Advantages/Disadvantages: Vanguard Morningstar X-ray I hope this helps others struggling with asset allocation.


I didn't like it very much, because he's confusing money with credit. Money is accumulated work, not debt.  Suppose the farmer has apples and wants meat, but the hunter doesn't want apples. The farmer exchanges some apples for the miner's gold and barters that gold for the hunter's meat.  All three of them have already worked to produce what they have. There's no debt involved, only the accumulated product of work.  An economy cannot function on credit alone. The existence of accumulated work that somebody did before is essential for the existence of credit.  Suppose the farmer promises a bushel of apples to the hunter and the hunter promises to get a deer for the farmer. Now the farmer needs a barrel to collect the apples and he promises to give some apples to the cooper. The cooper promises to make the barrel for the farmer.  All we have up to this point are promises, but no one has done any work yet. Things won't start happening until the cooper does the work needed to make a barrel.   The economy functions on work, not promises. The farmer may promise a million bushels of apples and the hunter may promise a million deer, but that's just fantasy.  Now suppose the cooper dies. The farmer will have to get barrels from the neighboring town, so now he must give some apples to the carter who brings the barrel. The hunter will not get his full bushel of apples, he's experiencing inflation, the cost of apples has gone up.  No matter what the farmer and the hunter promise to each other, the fact remains that the barrels must be brought from the other town.  Economists like Paul Krugman seem to believe that everything can be fixed by increasing demand, but they totally ignore the costs of production. There exists plenty of demand in the US economy right now, but the cooper has died, the barrels must be brought from China.


Is there any instance in which a large company whose corporate bonds are investment grade, find it more attractive to take out a bank loan to raise finance rather than underwrite bonds?   To my knowledge (I’m a first year at university so I’m not 100% sure) bonds are comparatively cheaper (lower effective interest rate), does not have the same caveats and regulations involved with usage of the loan (I.e. no need to buy insurance) and allow them to raise far more than most banks would be willing to risk (I know loan syndication exists but it’s still rare to my knowledge).   Why would a such a company have ANY bank loan debt whatsoever if issuing bonds are objectively better? The only one I can fathom is if the loan is so incredibly small that It’s more time consuming to underwrite bonds but 1.) I don’t know if that’s the case, 2.) Why would a large company do this if they could simply pay out less dividends and reinvest a slightly larger portion of profits?


Hang on... $963,100,000 revenue in US book sales, divided by 313,000,000 population gives... $3.07 spent per American per year on books, audiobooks and ebooks.   Somethings not right, these figures are clearly incorrect - and this IS meant to be entire consumption, not a sample.


"I don't think it really matters, my understanding is that as a sole trader there is no distinction between your personal and business tax affairs. The distinction between your personal and business account is mainly for your own personal benefit to make it easier to differentiate between ""wages"" and retained earnings. If you want to maintain this distinction with regard to tax then you need to somehow differentiate between tax paid on your ""wage"" and tax paid on retained earnings. You could then either make two payments, or pay from either and transfer the difference from the other. Either way, it's just a matter of perspective rather than something with a physical difference."


“First mover Advantage doesn’t go to the company that starts up, it goes to the company that scales up.” - Reid Hoffman  It's also important to note that for companies that copy a business that has a strong local component, like SpotHero, AirBnB, Uber, etc it's more of an operations game than winner takes all.  I think the general rule of thumb is that it's not always best to be first to market, as new competitors can let you take the majority of the risk, demonstrate that there is a market and strategically enter the market as a new entrant.   For example;  Friendster > MySpace > Facebook  Zimride > Lyft > Uber


Try to use VOIP service provider or web enabled conference calling services in your home phone. Now a days communication technologies have seen a boost as well as integration of different formats and platforms which easily reduces phone bills of a user.  Service such as UberConference, Skype, Webinar etc enables audio/video as well as web conferencing feature for their user.  Service tiers such as free plans, basic plans and business plans allow user to use these conference calling services per their need. Have a look at any such service and use it as an alternative of your home phone line.


Look for mileage costs, insurance, depreciation, maintenance and other costs make up the  total cost of ownership. I used consumer reports for this information.  There was a great article about how much it cost to drive different models including all that math. http://www.consumerreports.org/cro/cars/car-prices/what-that-car-really-costs-to-own-4-08/overview/what-that-car-really-costs-to-own-ov.htm


That's just means you don't realize the underlying principles behind the crazy gains. 1000% based mostly on 40% inflation since 2000. Imagine how much more it will go up.   I realize you don't have a concept of gold as money but it has really been an experiment since Nixon of dollars not backed by gold. That's 30 someodd years to say something is obsolete that has been used for thousands of years. Gold is not the horse and buggy.


I don't think retail cares so much about being taken for a few bps here and there, but more so about the insane volatility that is the new normal in markets. This vol., which in many cases can be tracked back to HFT, has had a negative feedback loop that resulted in lower volumes across the board.  I don't think retail cares about a few bps here and there, but if the entire system is based on trust in market efficiency, and computers make them less efficient by purposefully manipulating the system, retail might just not chose to play any more.  Think of it like baseball vs. football.  Football has salary caps, and, as such, all teams have a fair shot at winning every year, baseball doesn't, and a few teams with the biggest budgets consistently win year over year. Yeah, it's great if you're a Yankees, Red Sox, Giants or Phillies fan, but many other cities in the country don't care about baseball much anymore and favor football. Look at viewership stats by market over time. HFT is the same way, it's great if you have the money to compete in that system, but by destroying the integrity of the system itself, many participants just stop caring as much and go elsewhere...


i fail to see how it's morally reprehensible at all.  LEGOs are *toys* - if they were getting marketed to 40-something Eskimo women, that would be stupid.  seems like it's good business sense to market a given product to a group who will be receptive to the marketing.  Children, in this case.


In equity research as an associate.  I put in (most weeks-not earnings season) around 55-65 hours but during earnings (1/3 of time) its around 80.  There are always good and bad days; its actually quite manageable overall.  Occasionally, I have stuff I'm told to do on the weekend, but usually I'm *highly suggested* to average 3-5 hrs on the weekend just to get ahead of the upcoming week.


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"Here, a sample conversation.  ""Wow, these meatballs are fantastic. What's in them?""  ""100% Beef.""  ""They're all beef?""  ""No, but the beef I put in is 100% beef.""  'Uhhh, ok. How much of it is beef?""  ""I don't have to tell you.""  Is that person being straight with his guest? Or is he being a coy fuckhead?"


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"Some things are nearly universal, and have been mentioned already.  My ""favorite"" forseeable expenses in this category are: However, I also advocate saving for expenses that are specific to you.  Look back on your expenses for the last 12 months, minimum (18 or 24 may be better).  Ask yourself these questions: I ask about large expenditures because you may make enough that you can ""eat"" these lapses in budgeting, as I did for many years.  It is not an emergency now, but it turned into an emergency down the road as my spending went out of control.  Look at all expenditures over a certain level, say $100 or $200.   Some personal examples of expenses that aren't quite so universal, but turned into small emergencies: This last one was rather unexpected.  It is the reason why I ask the question ""why didn't I budget for it?""  These fees and dues are for my professional-level certifications.  In my industry, they are ""always"" paid for by the company.  A year ago, they weren't paid by my former employer because they planned to lay me off.  This year, they weren't paid by my present employer because I am technically a temporary worker (4 years is temporary?).  So, from now on, I plan to save for this expense.  If my employer pays my dues, then I stop saving for the expense, but keep the money I've saved."


"There are a few reasons why an index mutual fund may be preferable to an ETF: I looked at the iShare S&P 500 ETF and it has an expense ratio of 0.07%.  The Vanguard Admiral S&P 500 index has an expense ratio of 0.05% and the Investor Shares have an expense ratio of 0.17%, do I don't necessarily agree with your statement ""admiral class Vanguard shares don't beat the iShares ETF""."


For conversions you do not to be 59-1/2 to avoid penalty. The 5-yr rule thus creates an early withdrawal option if planned well in advance.  See the flow chart in http://www.irs.gov/publications/p590/ch02.html#en_US_2012_publink1000231030 For where I sourced the answer.  Note : I edited to correct my answer. User102008 called me out on my mistake, and rightly so. The dialog is in the comments, where he points out the mistake. Good job, new User.


">But I also believe that if you had a ""full equalizer day"" and redistributed all the wealth in the US so that each of us had the same amount of money (we'd each roughly have $255,000 if my math is correct), then within 1 generation you'd already see a similar wealth distribution to what we have now. Most would consume more- rather than invest- and it would only be a temporary fix.  This is what I am saying.  >It's a rarity to find people advocating for changing the system that creates inequality (the Fed currently being the biggest perp) instead of simply trying to redistribute the results of that system.  What would you change the Fed to? I'm arguing that it's more a fact of an economy than a fact of the current type of economy that economic inequality exists.   You can do some things with cryptocurrency, potentially taking some of the middlemen out of the business, but that won't fundamentally change economic inequality. The people currently invested in banks will invest in other things.  I think economics will equal out when the machines of production become cheaper. At some point, maybe every community can own their own production machines. Then, communism/anarchism (same thing) will return to the world."


"But sending money overseas doesn't help here, and government programs that feed people (especially children) and keeping people working or in school (medical programs) do have direct economic benefits to this nation, in addition to being ""nice"" or ""moral"".  I am not advocating the end of all suffering by giving things away, rather I am advocating the judicious use of government spending to make the world better for everyone."


> No guarantee that the money would go to the right place. https://en.m.wikipedia.org/wiki/Solyndra  So to be clear, you think that it went to the wrong place because the company tried to innovate and use new technologies that then didn't work out?  And you want to discourage such attempts?


CEOs have multiple fiduciary duties, which fall into three broad categories:  care, loyalty, and disclosure.  You are probably referring to the duty of loyalty:  to act, in good faith, in the best interests of shareholders, putting shareholders' interests above the CEOs' own personal interests.


It seems like you want to compare the company's values not necessarily the stock price.  Why not get the total outstanding shares and the stock price, generate the market cap.  Then you could compare changes to market cap rather than just share price.


You don't need a visa to invest in US equity. You don't need a visa to profit from US equity. There may be other legal considerations, but they aren't visa related, hope that helps


If I had known about this promotion and were less lazy, I would probably have taken advantage of it myself. Would it be theft? Maybe, maybe not, but I'm kind of antisocial, and doing something illegal/unethical, getting away with it, and making a profit would give me some pleasure.


"Total Return is the percent change in value (including andy dividends) of an instrument.  The ""trailing 12-month"" means that your starting point is the value 12 months ago.  So the formula is: where V is the value of the instrument on the reference date, V0 is the value of the instrument 12 months prior to the reference date, and D is the amount of dividends paid between the two dates."


"Instead of ""taking the blue pill or the red pill"" we still have to play the game, and the winner of the game as it appears to me, takes neither pill, but is better at guessing who takes which pill and how they will react to it."


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"Nonsense. I am not saying the Elon and Tesla are perfect, but all companies have delays. Especially those inventing things nobody did before them.  And some companies have production capacity issues. Especially those experiencing super high demand on their products. Big deal!  Tesla got 0.5 million pre-orders. With approx 2-3 years of waiting time, and people had to pay 1000 USD upfront, out of their pockets. And they did.  Tesla is seeing an extreme demand for their high-priced product. Every entrepreneur and enterprise would love to be in Musk's shoes.   **So, delayed deliveries and shaking liquidity should be considered only ""logistics"" issues, not ""will he fail!"" discussion.**"


You should not trade based on what news is just released, if you try you will be too slow to react most of the time. In many cases the news is already priced into the stock during the anticipation of the news being released. Other times as soon as the news is released the price will gap up or down in response to the news.  Some times when you think that the news is good, like new record profits have been achieved, but the share price goes down instead of up. This may be due to the expectation of the record profits by analysts to be 20% more than last year, but the company only achieves 10% more than last year. So the news is actually seen as bad because, even though record profits, it hasn't met expectations. The same can happen in the other direction, a company may make a loss and the share price goes up. This may be because it was expected to make a 50% loss but only made a 20% loss due to cost cutting, so this is seen as a good thing and the price can shoot up, especially if it had been beaten down for months. An other example is when the Federal Reserve in the USA put up interest rates earlier this month. Some may have seen this as bad news and expected share prices to fall, but instead prices rallied. This was actually seen as good news, firstly because it had been expected for a long time, and secondly and more importantly because a small rise in interest rates after many years of near zero rates is a sign of the economy finally starting to improve. If the economy is improving, that means more people will have jobs, more people will be spending more money, companies will start to make higher revenues and start to expand, which means higher profits and higher share prices. A better way to trade is to have a written trading plan and use technical analysis to develop a set of buy and sell criteria that you follow to the tea. Then back test your trading plan through various market conditions to make sure you get a positive expectancy.


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"Except for one thing, right now there is a large amount of speculation, lots of numbers are inflated. And then we have the high frequency traders, this tax would make it harder to make money on nothing, which is what they are doing currently. Personally I would be fine with it if the tax became ""exempt"" after say holding the stock for 3-6-12 months. This tax also isn't about making money, its about making the market more secure. One of the downsides is that if all the major markets don't commit to it, it likely will hurt anyone that does."


"There is not one right way. It depends on the level of detail that you need. One way would be: Create the following accounts: When you pay the phone bill: When you are paid with the reimbursement: That is, when you pay the phone bill, you must debit BOTH phone expense to record the expense, and also reimbursements due to record the fact that someone now owes you money. If it's useful you could add another layer of complexity: When you receive the bill you have a liability, and when you pay it you discharge that liability. Whether that's worth keeping track of depends. I never do for month-to-month bills. Afterthought: I see another poster says that your method is incorrect because a reimbursement is not salary. Technically true, though that problem could be fixed by renaming the account to something like ""income from employer"". The more serious problem I see is that you are reversing the phone expense when you are reimbursed. So at the end of the year you will show total phone expense as $0. This is clearly not correct -- you did have phone expenses, they were just reimbursed. You really are treating the expense account as an asset account -- ""phone expenses due to be reimbursed by employer""."


I was business and then did a 5th year undergrad to be eligible to sit for the CPA exams. There is no way I, or anyone, could start working on an audit on day one. Even if I had done internships, they wouldn't mean anything with a change in career path.


The article predicts problems with the US dollar.    If you live in China, or India, the end of the US dollar is not high on your list of problems.  The coming shocks in 2012, 2013, and 2014 will wreck a lot of financial sectors.    Is there a good way to prepare for financial collapse?  That depends on where you live and what your financial situation is.


"If the country went to a sustainable minimum wage like 15 dollars an hour we would benefit more. Anyone who thinks the walmart strikes are stupid and they should be fired clearly doesnt understand how the economy should work.  Oh?  You do know that all basic goods and services would increase  in price, right?  Raising the minimum wage will not raise minimum value.  ""If you are pro for under 15 dollars an hour, you are pro slavery.""  Haha. Slaves are forced.  You aren't forced to work for minimum wage.  It's a result of many poor life decisions that led you there.  The fact that I'm not working a minimum wage job is because I worked my ass off to learn the skills I needed to make a good living.  ""The only people making these facts up are the ones who own the businesses because their wealth will go down and be spread among employees more.""  Not really.  As a business owner, I would just increase the costs of my goods or services.  Most retail businesses have slim profit margins (restaurants are even worse).  They would not be able to survive long if their workforce cost suddenly doubled and their revenue stayed the same.  You don't know much about business. I'm glad people like you aren't making decision in government."


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That's a good point, and one I've recently been realizing too. I've been so focused on the aerospace and defense sector that I wasn't interested in anything else at first. Obviously I know now that's what has been causing my problems and I need to and have been changing my approach but it hasn't been successful yet, hence the post. But thanks for the advice, I had initially written off temp agencies (my temp job was through a friend not an agency) but now it looks like that may be one of my only choices at this point.


"Kinda like this?  ""For starters, a group of Perry appointees on the Texas Commission on Environmental Quality gave Simmons a license to build his hazardous nuke dump, even after the TCEQ's own team of scientists agreed that the project was too risky, given how dangerously close it lies to the Ogalalla aquifer, which provides drinking water for seven states.""  [From Matt Taibbi's Rick Perry article](http://www.rollingstone.com/politics/news/rick-perry-the-best-little-whore-in-texas-20111026)"


This is what they are causing... https://www.youtube.com/watch?v=S3oZrMGDMMw  That little baby is suffering because of one of the diseases that doesn't have to exist.  It could have been eradicated from the planet by now if it wasn't for Dr. Wakefield faking a study and then spreading lies to try try to cover his ass before he admitted that he made it all up.  But still ignorant people on the internet continue to spread misinformation that causes babies to suffer and die.


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"Many years ago I heard a multi-level marketing pitch that pointed out how many doctors don't get out of debt until they are well into their 50's.  The selling point was that you can get rich quick, as rich as a doctor, with nothing more then a bit of elbow grease.  Of course the pitch failed to mention that most doctors, buy the things doctors buy, when they get that first big job.  The big house, expensive cars nerf the income that they receive and they are probably stuck with years of student loan payments. I assume that you are one of the ""lucky"" ones that have graduated college with a well paying job.  By lucky I mean you concentrated on obtaining a skill for which the marketplace has a need.  Why not continue to live like a college student for a few more months and pay off all of your student loans ASAP?   Get rid of them like you were purging the phone number of that high maintenance girl you dated during a short time of insanity."


It might be a good idea, because later in life if a large expense shows up or an income source disappears, you will only have the mortgage payment, rather than a mortgage AND a student loan payment.


My mistake, a *reformed* audit of the fed. Right now the GAO cannot audit transactions of the Fed with foreign central banks or foreign governments, securities credit and market operations, or communication between the Fed and Board of Governors (which you linked to).  The fact that the Fed refuses to tell who receives bailout money and loans at interest rates well below market rates is unacceptable.   This is not a crazy right wing issue, either. Plenty on the left feel the same way, including the (arguably) most liberal American Senator Bernie Sanders who introduced the Senate version to audit the Fed bill a few years back.  The fact is, the Fed deals with MASSIVE amounts of American taxpayer money (and perhaps more importantly, future American taxpayer money), so we have a right to know exactly what is going on in it. It's not the CIA where knowledge of its inner-workings could be a threat to safety, it's a financial institution that deals with monetary and financial policies.


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You should also know that its FAR cheaper for everybody, including you, (at least $250,000 over each person's lifetime, - each American, compared to a Canadian) to get rid of the whole insurance system and pay for health care with taxes (we wouldn't need any more than today) and simply give people health care, eliminating all of the administrative complexity from the users standpoint.   That would allow doctors and hospitals to save a LOT of money on staffing. So, your tiered system that denies health care to those who can't afford to pay actually costs everyone more and they get LESS care and lower quality care. In short, we're cutting off our own nose to spite our face. All this time the rest of the world is growing farther and farther ahead of us.


If you are careful, you don't need to spend much more than the cruise price.  The cruises I've been on, they biggest extra was soda and alcohol (mainly wine with dinner).  If you are fine drinking water or iced tea, there is no need for that. Food extras, like ice cream at the pool, may be an extra charge as well. The way it works is that your room key acts like a credit card, and gets charged to your room.  Its easy to run up a big bill if you aren't paying attention, so you may want to keep track of it as you go along.  You can also go to the pursers office at any time and find out your current account. Generally, the cruise automatically charges a certain amount per day for tips for your room steward and dining room attendants.  You are expected to tip for spa services (another extra charge) and shore excursion guides.  Shore excursions vary greatly depending on what you are doing.  Maybe $50-$100 per person for a bus tour to much more than that for things like scuba diving, or fishing.  You can also either book tours yourself, or just get off and wander around.  It depends where you are going.  Many times, the ships dock far away from anything you might want to see.  There are generally taxis or shuttles to the tourist places, but that is another charge.  Shipboard internet is generally charged by hour, and quite expensive (several dollars per hour).  Part of the attraction for me is unplugging completely, so I generally don't bother.  On older ships, you probably are limited to the internet lounge.  Some of the newer ships have wi-fi in the state rooms as well. The drinks on board aren't cheap, but not outrageous either.  Probably similar to an upscale club.  They also have a daily drink special, which is cheaper.  Technically, you aren't allowed to bring your own alcohol on board.  If you buy something in a port, you need to check it with them.  This policy may vary by cruise line, but has been true on the Princess and Costa cruises I've been on.  That said, as long as you are low-key, they probably won't know or care.


Are you an automobile manufacturing company looking for the highest quality and top-rated fuel injection tubes? I am sure you must be looking for the finest range of these tubes from a dealer who is not only popular, but also offers the best of deals on these tubes.


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That's all completely irrelevant to the economic point. What we spent the government money on was a political decision. The economic piece absolutely involved marshalling all of the countries resources, *labor being but one of them*, by using the currency to pull along production. We won the war with our economic engine above all other advantages that we had.   Now imagine if we cared as much about people having jobs in the US right now as we did about killing Japanese.


I'm delighted that wired pointed out comments were disabled on their 'doubling down' [repost](http://support.godaddy.com/godaddy/go-daddys-position-on-sopa/). It would have been very inconvenient if someone posted a link to a piratebay torrent in the comments which would have made that post illegal under SOPA. Luckly, there are plenty of blog posts where comments are [enabled](http://support.godaddy.com/godaddy/category/go-daddy-scoop/).


More than just early stages, Swarm City has its MVP out, making transaction & communication possible on the blockchain, as one of the very first in the world. Despite being hacked recently they continue to move forward. And it's way more than just ridesharing, although that will be the first 'storefront' that will be launched soon. Definitely worth looking into. https://youtu.be/t0yKy77wqmM


There's a bit of working backwards that's required.   This is a summary of a spreadsheet I wrote which helps to get to the answer. What you see here is that at age 25, one might have saved about a half year's salary, assuming they worked 5 years. The numbers grow exponentially to at 65, about 15 years salary saved. This will allow a withdrawal of about 60% final income each year using the 4% guideline. More will come from Social Security in the States to get closer to 100%. The sheet start with assumptions, a 10% per year rate of saving, and an 8% annual return. Salary is assumed to rise 3% per year. One can choose their age, enter their current numbers and their own assumptions. I had to include some numbers and at the time, 8% seemed reasonable. Not so sure today. What I do like is the concept of viewing savings in terms of 'years salary' as this leads to replacement rate. Will $1M be enough for you? Only you can answer that. But the goal of 80-100% replacement income is reasonable and this sheet can be used to understand the goals along the way. (note, the uploaded sheet had 15% saving rate, not the 10 I thought. I used 15 to show a 10% saving along with a 5% match to one's 401(k). Those interested are welcome to enter their own numbers. The one objection I've seen is the increase to salary. Increases tend to be higher in the first 20 than the second, or so I'm told.)


the best thing to do is file bankrupt. your credit will be shot for 7 to 10 years. however usually 3 years after the bankrupt people will give you small lines of credit. then you rebuild on the small credit lines. and never get into a bad loan again you learn from mistakes. there is no shame in a mistake if you learned from it. I rebuilt my credit by using fingerhut. small credit limit on a cap 1 credit card 300 dollars unsecured card. personal loan of 1500 dollars to buy a old clunk for a car as I did not want to have five years of car payments. you can also get a secured credit card. and build credit with that. the bank will explain how to build credit using your own money. also you should know a lot of banks like your bankrupt stat. because they no you cant file for several more years. meaning if you don't pay your loan they can garnish you and you cant file bankrupt. you can get a new car loan with good interest rate. by taking 5000 dollars of your 15000 dollars savings down on the new loan. making your new car loan have better payments cheaper and better interest. and get a secured credit card of 2000 to build towards a unsecured credit card. keep all your new credit tabs small and pay on time.i would not use all your nest egg savings. that is not smart. get a lawyer and file. stay in school you will have a fresh start and you learned about upside down loans. don't listen to people trying to tell you bankruptsy is bad. it in a lot of ways gives you the upper hand in a no win debt or debts.


"Your total debt is equal to your total non-credit debt (student loans, car loans) + your total available credit.   This is the truth of the ""low balance"" fear from lenders that you had heard about. Your credit utilization is across all of your cards.   So if you have two cards, both with 15K limits and one is maxed out and one is empty, that is 50% utilization.   If you have both cards with 7.5K balances, that is also 50% utilization. For the 8 cards that are paid off and still open, after you buy a house, I'd close any cards you aren't using.  Not everyone will agree with this. If possible, I would close the 8 cards now and pay off the 15K balance before buying a house.  If it's hard to pay it off now, it will be harder when you have a mortgage and home maintenance costs. If you want to buy the house before you pay off all of your credit card debt, I'd still close the 8 cards that are already paid off and pay down your last card to 4K (or less) to get under 25% utilization. The credit rating bureaus do not publish exactly how a different utilization rate of credit will affect your score, but it is known that lower utilization will improve your score.  FICO calls this ""Proportion of credit lines used (proportion of balances to total credit limits on certain types of revolving accounts)"" Also, the longevity of your credit history is based on type of account (credit cards, car loans, etc.) so if you keep one credit card open, you still keep your long ""history"" with credit cards on your credit report.  FICO calls this ""Time since accounts opened, by specific type of account"""


Here is what I could find on the net: http://education.wallstreetsurvivor.com/options-symbol-changes-coming-february-12th-2010 So it sounds like it does not affect how you invest in options but only how you look them up.  I remember using a Bloomberg terminal and it wasn't clear what the expiry date of the option you were looking at was.  It looks like the new quote system addresses this. HTH.


I have a CPA. They said that it isn't possible. However, I've seen on message boards that it indeed IS possible, multiple times. I'll likely reach out to another CPA. However, I am interested to hear from somebody who has done this before, so that I at least have a name or defined process for what I'm attempting to do.


There's a very small subset of people that I think could legitimately use the Amazon Echo-Alexa / Google Home-Assistant thing, and they're generally, in my mind, single and affluent.    The kind of person that really loves the idea of full home automation, and doesn't have anyone around to fuck with the voice commands.    I, for instance, would probably get one of these things if I lived alone.  I'd love to dim the lights, play a movie, and say, order a pizza whilst shouting into the ceiling.  I don't think I could pull that off or sell the cost or utility to the SO.


[Olivetti minidisc](http://www.obsoletemedia.org/olivetti-minidisc/) maybe?  > Olivetti used the minidisc in 1978 in its TES (Text Editing System) 401 word processing system, where capacity was increased to 7.5 KB  http://www.storiaolivetti.it/upload/tes401_b.jpg  LED panel, not LCD (I think) but fits the narrative otherwise...


"An option is a financial instrument instrument that gives you the right, but not the obligation, to do some transaction in the future at a given price. An employee stock option is a kind of ""call option"" -- it gives you the right, but not the obligation, to buy the stock at a certain price (the ""exercise price"", usually set as the price of the stock when the option was granted). The idea is that you would ""exercise"" the option (buy the stock at the given price as provided by the option), if the value of the stock is higher than the exercise price, and not if it is lower. The option is gifted to you. But that does not mean you get any stock. If and when you choose to exercise the option, you would buy the stock with your own money. At what time you can exercise the option (and how many shares you can exercise at a given time) will be specified in the agreement. Usually, you can only exercise a particular share after it has ""vested"" (according to some vesting schedule), and you lose the ability to exercise after you no longer work for the company (plus perhaps a grace period), or after the option expires."


The desire to be debt free is smart; but I think the purpose of a large group is motivation and peer pressure.  Getting out of debt faster isn't going to work mathmatically.  (I can't reason a scenario where the group's collective power doesn't favor one individual in the group over another.) All of the following conditions must be met: If any single thing fails, or if anybody changes their mind about how they feel about paying another person's debt, this plan will breakdown quickly and get very ugly.  Please notice most of those items are emotions, which cannot be planned nor controlled. Bottom line:  Don't do it.  The risks are too high compared to the average reward.  If your family could pull it off, a better plan would be to sell a reality show about the magical family who never fights and always puts the good of the others before themselves. Everybody do a debt snowball individually but have an email group, weekly group call, regular family meeting, group chat session or dinner event where you encourage each other, talk about the success, failures and openly discuss everybody's situation.  This is called a support group and they can be more effective than doing it on your own. Go around the table and  This will require humility, patience and grace from the participating family.  It will rely on similar peer pressure to succeed as a single group, without all of the very real pitfalls and very real consequences of a individual failing in a big group.


For the clearing house, only the routing number and the check amount [which gets encoded before its presented to clearing] is important. The check numbers were put in as a fraud prevention mechanism to ensure that one check was only presented once and that it was issued to a particular account. Typically issued in sequence.   So as your account is new, the bank may have a mechanism to verify the checks [maybe based on amount and other info]. If your volume of check issuing increases, they may start putting in a check number to better track.


Activist Investor is the entrenched capitalists fake news meme. Trump wants to pass a law that says shareholders don't even get a vote until they pass a certain threshold on ownership % of a company so they can keep all the little people from having any say. Ownership isn't really ownership unless you're rich I guess. Democracy bad! Freedom! America!


Wow, glad I found this.  I take the 7 tomorrow morning at 9:15am.    I started going section by section, then I got to Options and got a 40% so I swore at the computer and money and everything else within view, and then I sat down and walked through about a million scenarios until I had it down.  Using Knopman (but Kaplan materials for the most part, including the Qbank site), and I've been scoring anywhere from 74 to 80.  I'm taking my last practice exam now, and then after reading this, instead of cramming, I'll be heading home to hang with the wife and daughter and relax.  We'll see.


"A financial engineering degree will help you get your foot in the door, and IEOR is a pretty good background to start with, but you should also just try applying to interesting-sounding things right now.  If you get lucky, you'll have saved yourself a lot of time: work experience trumps financial engineering. I don't know quite how to say this politely, but there's a chance that if you do a full-time Fin Eng masters, you'll bump yourself out of the ""smart junior guy who we'll train"" category into the ""this guy is supposed to know something"" category.  For my own group, the just-out-of-college people we've hired have been people who did internships with us before, which is no help at all. The interviews that I've done have been mostly looking for people with significant industry experience, and the FE degree won't help with that.  It's a bit of a crapshoot. I'm not sure what to suggest, but I'll happily answer questions."


A tax on organic (food) waste will probably be the only effective lever. Perhaps cataloging food waste produced at farms, to try and tune in some synergies in the food industry. I know some large Australian Universities are investing heavily in this space. Waste to resource type projects, using bio-reactors and the like.  Composting the residue to put back in to the productive lands is also a big part of reducing and improving outcomes.


I think this is a bit of fallacy. Capital is not a fix thing. If there is value to be realized, business can find the money. The issue really is that the job is hard and the company views it as a cost, not an investment.


The author sounds like a raging corporate apologist and so do most of the commenters here on reddit, which really surprises me.    If Target staff allowed customers to purchase gift cards as part of this promotion, then isn't it Target's fault for not training their staff properly with regard to how to handle this promotion?   (IANAL)


"Not unless you have something else to put up as collateral. The bank wants a basic assurance that you're not going to immediately move the money to the Caymans and disappear. 999 times out of 1000, the collateral for a home mortgage is the home itself (which you wouldn't be able to take with you if you decided to disappear), so signing up for a 30 year mortgage on a nonexistent house is probably going to get you laughed out of the bank. It's sometimes possible to negotiate something else as collateral; you may, for instance, have a portfolio of securities worth the loan principal, that you can put in escrow for the term of the loan (the securities will stay in your name and make you money, but if you default on the loan the bank goes to the escrow company and takes the portfolio for their own). The bank will consider the risk of value loss on the securities in the portfolio, and may ask for a higher collateral value or only allow a lower loan amount. In all cases, it's usually a bad idea to go into long-term personal debt just to get ""cheap money"" that you can use to beat the interest rate with some business plan or investment. If you have a business plan, take that to the bank with an LLC and ask for a business loan. The business itself, if the plan is sound, should become valuable, and the terms of business loans take that into account, allowing for a ""shrinking collateral"" transferring the initial personal risk of the loan to the business."


> checking account normal?  Not really, only if you have a small account.  It usually works that you get a monthly fee if you have under a certain amount of money in the account.  So normal for poor people who the banks don't want to deal with.  Not normal for people who have some money.


Terrible analogy. It's a gross oversimplification and any attempt to respond within it's parameters won't make sense.   Boeing wants to reduce costs in order to remain competitive and because it's a public company. Boeing's union workers are overcompensated. They want to move states in order to reduce labor costs. Washington State paid out to keep them around.


The alternatives are practically perpetual with linen suits for men, the search is ideal for summer, pushing it flawlessly amongst shrewd and easygoing and offering so much adaptability. In case you're hoping to keep the look keen, then match your suit with a shirt and tie mix. In any case, what shirt to wear with a material suit? Well even this mix can accomplish various impacts, contingent upon the style of suit and selection of hues, so there are various alternatives.


">Agree 100 %.  > >Nothing drives me more batty than when I hear a health food nut complaining about GMO food or ""chemicals"". I ALWAYS challenge them on it.  >  >RE GMO: ""Do you eat apples and bananas? Did you know farmers have been gene splicing apples and bananas since the 1800s? There has literally not been a single apple sold in stores since the early 1900s that is not spliced. All of those Apple"" varieties"" in the store are a result of splicing over the years, including your overpriced ""organic"" ones.  There is a vast difference between grafting tree branches for ideal traits, and inserting specific strings of genetic code from an organism that cannot otherwise contribute its DNA.   And part of participating in organic food production is a discontinuation of petrochemical fertilizer. Yes, we use vast amounts of petroleum product to fertilize farmland. If you want to reduce our reliance on fossil fuels, organic production is part of that. Another part is the elimination of nasty industrial pesticides, like those that are causing bee colony collapse syndrome. CCS is a huge problem not because honey is tasty but because bees pollinate a wide variety of trees that produce food.  Participating in organic food production is not a hazy Mother Earth granola fest. The concerns are material and immediate. I don't even eat granola. To many carbs."


All of these big social media companies lie to the users, and folks give them a free pass. Google, FB, Twitter, and of course reddit.  Hell... some folks are 'fans'. The Google fan-base is more rabid than Apple crowd.  None of these give a rats ass about any of us as individuals. It's about the bottom line. The buck stops there. If it's not money, it's not in the equation.


I find it funny that I was downvoted and you were upvoted. The article about this today says that 230,000 jobs were expected, not 200,000. The unemployment rate went from 6.1% to 6.2%. So tell me again how this is good news?


I'm not comparing the OWS with the tea party...   How were the protests at UC Davis violent and deserving of pepperspray?  >The right to peacefully assemble does not mean you can encircle and block the police from doing their lawful job  Correct. So you feel the proper response is to pepperspray people? Isn't there a better way to move people out of the way? My point was that in the past workers fighting for some workplace safety and better wages had pinkertons kill them because they protested. People fought very, very hard and some died to get where we are currently and with the police and the people okay with pepperspraying I am worried about the bloodbath that might occur when we have to fight again for workplace safety.   >currently politicians are rolling back those protections  >No, they're not.  They are... OSHA is being targeted for budget cuts. If there are no OSHA agents checking that workplaces are safe, then workplaces can and will offer less protections to their workers...   Let me ask you a question, what prevents a race to the bottom with wages and benefits if people don't collectively bargain?


So the Euro was doomed from the start because there was no provisions of kicking out and/or halting countries from excessive borrowing?  I think the Euro is stronger in the long run because no single country can put inflationary pressure on the Euro due to irresponsible borrowing by that single state (e.g. United States).  In the end of the day, they have to work their way out of debt with real economic growth thusly making it an attractive currency for the long term.


> False equivalency  Show me the data that says right wing studies are proven wrong more than left wing studies. I'm fairly certain that data does not exist. Also, you better not show me data from a left wing source or I will have to ignore like you are doing to this data.  Sure, be skeptical - dig in. FIND WHAT IS WRONG WITH THE DATA AND QUIT BITCHING ABOUT FUNDING  EDIT: Downvotes must hate the idea of scientific inquiry, which is all I am asking


"There's a difference between missing a payment and ""carrying a balance"" (making an on-time payments that are less than the full balance due). I have heard mortgage brokers claim that, if you have no other credit history, carrying a small balance here and there on a credit card may improve your score.  (""Small"" is in relation to your available credit and your ability to pay it off.)  But actually missing a payment will probably hurt your score. Example: You have a card with a credit limit of $1000.  In July you charge $300 worth of stuff.  You get the next statement and it shows the balance due of $300 and a minimum payment of $100. If you pay the entire $300 balance in that cycle, most cards won't charge you any interest.  You are not carrying a balance, so the credit scores may not reflect that you actually took a $300 loan and paid it off. If you instead pay $200, you'll be in good standing (because $200 is greater than the minimum payment).  But you'll be carrying a $100 balance into the next statement cycle.  Plus interest will accrue on that $100.  If you do this regularly, your credit score will probably take into account that you've taken a small loan and made the payments.  For those with no other credit history, this may be an appropriate way to increase your credit score.  (But you're paying interest, so it's not free.)  And if the average balance you carry is considered high relative to your ability to pay or to the total credit available to you, then this could adversely affect your score (or, at least, the amount of credit another provider is willing to extend to you). If you instead actually miss a payment, or make a payment that's less than the minimum payment, that will almost certainly hurt your credit score.  It will also incur penalties as well as interest.  You want to avoid that whenever possible. My guess is that, in the game of telephone from the banker to you, the ""carrying a balance"" was misinterpreted as ""missing a payment."""


"This is the best tl;dr I could make, [original](http://www.aljazeera.com/news/2017/10/israel-maintains-robust-arms-trade-rogue-regimes-171022100816302.html) reduced by 94%. (I'm a bot) ***** > The issue of Israel&#039;s trade with rogue regimes has been thrust into the spotlight again after revelations that it is sending weapons to Myanmar, in defiance of a US and European arms embargo.  > &quot;Many Western states sell arms, but what&#039;s unique about Israel is that, wherever war crimes and crimes against humanity are being committed, you find Israel is present,&quot; Mack told Al Jazeera.  > &quot;The benefits for Israel are not just measured in money. Often even more important are the diplomatic and strategic alliances Israel can gain from this arms trade.""   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/7879bm/israel_maintains_robust_arms_trade_with_rogue/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~233436 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **Israel**^#1 **arms**^#2 **Israeli**^#3 **Myanmar**^#4 **weapons**^#5"


In general, the short answer is to use SEDAR, the Canadian database that compiles financial statements for Canadian companies. The financial statements for Pacific Rubiales Energy Corp can be found here.  The long answer is that the data might be missing because in Canada, each province has their own agency to regulate securities. Yahoo might not compile information from such a wide array of sources. If other countries also have a decentralized system, Yahoo might not take the time to compile financial information from all these sources. There are a myriad of other reasons that could cause this too, however.  This is why SEDAR is useful; it 's the Canadian equivalent of the SEC's EDGAR database, and it maintains a sizeable database of financial statements.


You're on the right track, and yes, that small difference is subject to income taxes. Do you use a payroll service? I do the same thing and use my payroll software to tweak the salary until the paycheck is just a few dollars every month (we run payroll once a month), with the rest going to the 401(k) and payroll taxes. So we're rounding up just a bit just so there's an actual paycheck with a positive number, and a bit does get withheld for fed/state income tax.  Also keep in mind you can make a company match. If your plan is a solo 401(k) with just you and your wife as the sole employees, consider the 25% match for both of you. The match is not subject to payroll taxes because it is a company expense. IRS web page: http://www.irs.gov/Retirement-Plans/One-Participant-401(k)-Plans


"Amazon sellers have themselves to blame for this.  Every single time I've had an issue with shipping (2 weeks for a ""2-day delivery), getting the wrong item, getting a broken item, etc. it is from a seller that isn't amazon.  Additionally, their ""Prime"" items are often from third-party sellers that don't give a shit.  Amazon could do this, or reign in the third party sellers.  This seems easier."


Very odd site, it seems extremely useful but then there are douchey users with superiority complexes that may or may not be real, lmao.   Good point the manager made, cost of living in NY is damn expensive and unless you get aggressive with all the other schmucks there and move up you're not doing yourself a huge favor. I'd take the guaranteed cash, regular hours, and strong possibility of moving high up in the smaller company. Although both options aren't want I'd want to be doing for the rest of my life.


Without access to the ATM/debit card and with almost nothing in savings, you will probably have to visit a branch to make a cash deposit. If it is too far to drive you might be able to turn the cash into a money order and mail it to the bank, but I would check with the bank to see if that would work. Of course mail will take a day or two.


Here is a list of solutions I would use starting with the easiest:


Exactly. I don't mind my personal information being used to make LinkedIn money -- they provide value back to me by letting me keep track of business relationships. That has a different dollar value for different people, but for me it's pretty high.


I would like to avoid this, so what I'm thinking about is to open a bank account abroad, and use Transferwise to transfer my HUF to that account.   Do you think this makes sense? It does make sense. The challange is to find a Bank that will allow you to open an account online. Are there any more effective way to save money? Try prepaid cards. You should be able to get these from normal Banks in Hungary or other reputed financial institutions. You will have a visibility of the rates and it would be one time conversion.


Everyone should keep track of what they spend. When you see how much you are spending on each category of expense, you can make good decisions about how much your life is improved by something vs. how much you spend on that thing.  Everyone makes better decisions when they are informed by accurate information about those decisions. There's no reason why personal finances are different from any other decision you make in life. This remains true whether you make very little or very much. Some people define rich as being able to live on less money than you earn.


Some can't see there is a bigger picture here. Our government has some long standing issues that need addressing regardless of who is president. Meh, don't care much about downvotes from clever monkeys who'd rather engage in a political pissing contest.


Socialism is not mentioned anywhere in the article, and price controls existed in human civilization before socialism was a concept.  Secondly, stocked supermarkets are not the same as population's well being. I was in Soviet Union in the middle of perestroika when the system went from everybody having money and there was nothing to buy, to supermarkets having everything and no one having cash. The quality of life was actually going down precipitously for vast majority of the population, and they didn't quite recover to this day (although there is absolutely no shortage of $3000 lingerie sets at fashion stores on Tverskaya).


This entire situation is extremely far from the revenue generating aspects of the company. If they can contain this issue within a year and a half and within many dozens of millions of dollars, I don't see it affecting them. They've already endured plenty of bad PR seemingly unscathed and have large cash reserves. Everybody still wants their shares too, it's not like they're tanking. Regulations, driver unionization, and slow CEO turnover are much bigger threats.


Yea I know they are. I want to get them out of the way though and my firm gives me the support to take whatever. Cfp I'm looking at a year or more of studying. 9/10 I could crank out in a couple of months. Not sure if I want to go management or consultant route. But thank you!


Double majors are a huge waste of time for these jobs. Literally no one gives a shit. /u/zacharyheat/, ignore this person.  Go for lower and mid-tier banks to get started. Depending on where you are in the SEC, that means BBVA Compass, BB&T, SunTrust. If you're at a targeted school, can try for BofA/Wells in Charlotte, but the GPA is going to be an issue.


Does your business need test and tag services? Do you need your annual check up on power tools and office equipment? Then call the Test and Tag Professionals. With over 15 years experience servicing Brisbane, our team of professional, qualified test and tag technicians will get the job done right, fast and affordably. Call us today to find out more.


Automation is definitely closing the cost gap. But for reasons that go well beyond automation alone. You have to look at the entire supply chain, not just your in plant cost of adding value to products. Even something as simple as waiting days or weeks to get parts for something that broke that can multiply the $1k a year labor cost many times. You can't just call the local hardware store in many places to solve even relatively simple problems. Then you have to worry about the logistics of getting your finished product transported to external markets. Especially when much of the transport is done over poorly maintained, or even gravel roads full of pot holes and rain gullies. How much durable capital, both coming and going, gets damaged in the process? This is even before taking the uncertainty cost of corruption and bribery into account. Even just simple problems can easily cost you a week labor out of each month, and the supply chain issues add up nonlinearly.  As the factory itself becomes more automated the cost of these supply chain issues just keeps increasing relative to other cost, even as the supply chain cost remains constant. Hence the supply chain cost, as a ratio of total cost, actually goes up faster than the rate at which automation itself is increasing. Which requires a fully modernized infrastructure and business environment to address. Something that is extraordinarily expensive to build from scratch.


>> only indicate interests  > Yet you said you would not hire based on the undergrad.  You really try to NOT understand what I said and even fail in common sense, that I have.  I said that given a choice between a Music major and an IT major for entry level position, no experience needed, I would definitely not hire Music majors. I would only hire IT majors. Would you do differently? Yes or no?  And if you insist on remembering the wrong things, I also said the for more advanced positions, what counts is the experience and knowledge, regardless of original degrees. Did I say that? Yes or no?  I also said that someone who studied 7 years Music for a BA and a Master is very unlikely to be an IT expert. Their real interests are not IT. So I would extremely suspicious if they become CHIEF Information Security Officer.  Susan is the proof of all that: failure in her music career, failure in her IT security career, total corrupt corporate hiring process, and she's responsible for the biggest breach of personal data in history.  P/S: You know that she was fired from Equifax! Any ideas why, if she's such a qualified person? Maybe it's not her fault at all and some idiot IT expert working for her caused all the issues? Do you know why I asked this last question, that maybe it's an IT expert working for her who caused the issue? Guess!


Document everything. Never let it be your word against her. When you have enough contact HR. As the investigation gets started make the point that your work environment has become intolerable and that you intend to work elsewhere. In the most polite of ways ask for a positive recommendation. Assuming your boss isn't fired. If she you could stay.


PayPal transactions are not taxed in Australia. Income is taxed, and Ad network income is income.  Your relative will receive the money, and will have to declare the income so it can be taxed.  Your relative will then have to pay the tax. If you are to do this, you should transfer enough money from each payment for your relative to pay the tax; the rest you can move around however you wish.


1) The risks are that you investing in financial markets and therefore should be prepared for volatility in the value of your holdings. 2) You should only ever invest in financial markets with capital that you can reasonably afford to put aside and not touch for 5-10 years (as an investor not a trader). Even then you should be prepared to write this capital off completely. No one can offer you a guarantee of what will happen in the future, only speculation from what has happened in the past. 3) Don't invest. It is simple. Keep your money in cash. However this is not without its risks. Interest rates rarely keep up with inflation so the spending power of cash investments quickly diminishes in real terms over time. So what to do? Extended your time horizon as you have mentioned to say 30 years, reinvest all dividends as these have been proven to make up the bulk of long term returns and drip feed your money into these markets over time. This will benefit you from what is known in as  'dollar cost averaging' and will negate the need for you to time the market.


As I write this, the NASDAQ Composite is at 2790.00, down 6.14 points from yesterday. To calculate the percentage, you take 6.14 and divide by yesterday's close of 2796.14 to yield 0.22%. In your example, if SPY drops from 133.68 to 133.32, you use the difference of -0.36 and divide by the original, i.e. -0.36/133.68 = -0.27%. SPY is an ETF which you can invest in that tracks the S&P 500 index. Ideally, the index would have dropped the same percentage as SPY, but the points would be different (~10x higher). To answer your question about how one qualifies a point, it completely depends on the index being discussed. For example, the S&P 500 is a market-capitalization weighted index of the common stock of 500 large-cap US public companies. It is as if you owned every share of each of the 500 companies, then divide by some large constant to create a number that's easily understood mentally (i.e. 1330). The NASDAQ Composite used the same methodology but includes practically all stocks listed on the NASDAQ. Meanwhile, the Dow Jones Industrial Average is a price-weighted index of 30 large-cap companies. It's final value is modified using a divisor known as the Dow Divisor, which accounts for stock splits and similar events that have occurred since a stock has joined the index. Thus, points when referring to an index do not typically represent dollars. Rather, they serve as a quantitative measure of how the market is doing based on the performance of the index constituents. ETFs like SPY add a layer of abstraction by creating an investible vehicle that ideally tracks the value of the underlying index directly. Finally, neither price nor index value is related to volume. Volume is a raw measurement of the total number of shares traded for a given stock or the aggregate for a given exchange. Hope this helps!


It also depends on what kind of investment account you are putting this in. Since a TFSA account doesn't get taxed on the return, it might make sense to put higher risk investments in that account. Of course, MDJ's comment about looking at tax brackets is also important...


"There are many questions and good answers here regarding investment choices. The first decision you need to make is how involved do you intend to be in investment activity. If you plan to be actively investing by yourself, you should look for questions here about making investment choices. If you intend to be a more passive investor, look for posts by ""Bogleheads"", who focus on broad-focused, low cost investments. This is the optimal choice for many people. If you are not comfortable managing investments at all, you need to figure out how to find a competent and reasonably priced financial advisor to meet with and guide your investment strategy. This advice generally costs about 1-2% of your total managed assets annually."


The Creation/Redemption mechanism is how shares of an ETF are created or redeemed as needed and thus is where there can be differences in what the value of the holdings can be versus the trading price. If the ETF is thinly traded, then the difference could be big as more volume would be where the mechanism could kick in as generally there are blocks required so the mechanism usually created or redeemed in lots of 50,000 shares I believe. From the link where AP=Authorized Participant: With ETFs, APs do most of the buying and selling. When APs sense   demand for additional shares of an ETF—which manifests itself when the   ETF share price trades at a premium to its NAV—they go into the market   and create new shares. When the APs sense demand from investors   looking to redeem—which manifests itself when the ETF share price   trades at a discount—they process redemptions. So, suppose the NAV of the ETF is $20/share and the trading price is $30/share. The AP can buy the underlying securities for $20/share in a bulk order that equates to 50,000 shares of the ETF and exchange the underlying shares for new shares in the ETF. Then the AP can turn around and sell those new ETF shares for $30/share and pocket the gain. If you switch the prices around, the AP would then take the ETF shares and exchange them for the underlying securities in the same way and make a profit on the difference. SEC also notes this same process.


"Since you seem to have trouble reading, I'll link it again.   https://www.cato.org/publications/policy-analysis/negative-effects-minimum-wage-laws  And there are numerous ""competent"" economists who say, and have said for a long time, that minimum wage laws are horrible for minorities and underprivileged groups. Also minimum wage has the added effect, thanks to the Fed and fiat currency, of accelerated inflation which damages every consumer in the economy."


"Google for ""unclaimed funds"" You might need to do it for each state separately."


"http://www.businessinsider.com/who-owns-us-debt-2011-7?op=1  Foreign governments own about 32% of U.S. debt.  It's not a majority, but it's still nothing to sneeze at.  Social Security owns 19%  ""The Fed"" owns 11+%  U.S. Households (including hedge funds) own 6+%  Private Pensions 3+%  Money Market Mutual Funds 2+%  State, Local, and Federal Retirement Funds 2+%  Commercial Banks 2%  Mutual Funds 2%  Oil Exporting Countries 1.6%  Caribbean Banking Centers 1%"


"Do you have any idea what a product manager does? It's a pretty accurate description of the job.  The PM is responsible for strategy, direction, product/market fit, features, roadmap, and pretty much everything associated with that product. You own the P&L. The buck stops with you when it comes to the product.  The ""CEO of your product"" description is the classical description of what a PM is, because you're running an entire line of business that can be worth hundreds of millions of dollars."


The need for freeze dryer oil can be satiated by VacOil. Freeze dryer functions in a convoluted way and is indeed an essential requirement. In order to keep the durability of freeze dryer in check, the use of freeze dryer oil is extremely imperative, which VacOil could be relied on to deliver.


Banks cannot just borrow from the Federal Reserve and use that money to make loans. The first thing you need to understand is how fractional reserve banking works. The banks can make loans with money that their customers have deposited in their accounts. The interest and fees from those loans go to pay the salaries of those working at the banks with leftover profit to pay dividends (interest on your bank accounts).  The only reason that the Federal Reserve allows overnight lending is so that banks don't immediately become insolvent if they have larger than usual withdrawals by their depositors. The Federal Reserve keeps an eye on the balance sheets of the banks that are doing the borrowing, and if they didn't have assets in the form of deposits, they would force the banks to sell the loans that were made from those deposits. What does this have to do with personal finance? I think this question is only marginally on-topic here. This amount of money in circulation is affected specifically by the fraction of the money that can be used for making other loans. But the bigger influence is the rate that the Federal Reserve charges for overnight lending. They raise and lower the rates which affects the rates that the banks can lend at while remaining profitable.


In general over the longer term this is true, as a company whom continuously increases earnings year after year will generally continue to increase its share price year after year. However, many times when a company announces increased earning and profits, the share price can actually go down in the short term. This can be due to the market, for example, expecting a 20% increase but the company only announcing a 10% increase. So the price can initially go down. The market could already have priced in a higher increase in the lead up to the announcement, and when the announcement is made it actually disapoints the market, so the share price can go down instead of up.


It absolutely makes sense. The NFL is run by assholes. It has tax exempt status. It denied the link between concussions and brain injuries. The teams demand huge tax breaks and/or stadiums from their home towns, under threat of leaving. The scum of the earth.  Go Lions!