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"Sure they work - right until they don't. Explanation: A stock picking strategy based on technical indicators is at worst a mix of random guessing and confirmation bias, which will ""work"" only due to luck.  At best, it exploits a systematic inefficiency of the market. And any such inefficiency will automatically disappear when it is exploited by many traders. If it's published in a book, it is pretty much guaranteed not to work anymore. Oh, and you only get to know in hindsight (if at all) which of the two cases above applies to any given strategy."


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"Speculation is when someone else makes an investment you don't like. The above is tongue in cheek, but is a serious answer. There are several attempts at separating the two, but they turn into moral judgements on the value of a pure ""buy and hold"" versus any other investment strategy (which is itself doubtful: is shorting an oil stock more ""speculation"" than buying and holding an alternative energy stock?). Some economists take the other route and just argue that we should remove the moral judgement and celebrate speculation as we celebrate investment."


Your total salary deferral cannot exceed $18K (as of 2016). You can split it between your different jobs as you want, to maximize the matching.  You can contribute non-elective contribution on top of that, which means that your self-proprietorship will commit to paying you that portion regardless of your deferral. That would be on top of the $18K. You cannot contribute more than 20% of your earnings, though. So if you earn $2K, you can add $400 on top of the $18K limit (ignoring the SE tax for a second here). Keep in mind that if you ever have employees, the non-elective contribution will apply to them as well. Also, the total contribution limit from all sources (deferral, matching, non-elective) cannot exceed $53K (for 2016).


I'd also like to address you're ridiculous implication that more liberal countries ie Sweden denmark etc etc are more innovative. That's a fallacy and I'll prove it. The United States has more Nobel prize winners than any other country by a long shot. We have arguably (in spite of the fda) the best medical services in the world. Switzerland is also arguably the most innovative country in the world it's not because of basic needs being taken care of its because of surplus capital in the private sector. Look at how space x can launch a shuttle for 300 million  less than NASA can. The free market does everything cheaper and more efficiently than the government can.


Annuities, like life insurance, are sold rather than bought.  Once upon a time, IRAs inherited from a non-spouse  required the beneficiary to  (a) take all the money out within 5 years, or  (b) choose to receive the value of the IRA at the time of  the IRA owner's death in equal installments over the expected  lifetime of the beneficiary.  If the latter option was chosen, the IRA custodian issued the  fixed-term annuity in return for the IRA assets. If the IRA  was invested in (say) 15000 shares of IBM stock, that stock  would then belong to the IRA custodian who was obligated to  pay $x per year to the beneficiary for the next 23 years (say). There was no investment any more that could be transferred  to another broker, or be sold and the proceeds invested in Facebook stock (say).  Nor was the custodian under any  obligation to do anything except pay $x per year to the  beneficiary for the 23 years. Financial planners loved to get at this money under the old IRA rules by suggesting that if all the IRA money were taken out and invested in stocks or mutual funds through  their company, the company would pay a guaranteed $y  per year, would pay more than $y in each year that the  investments did well, would continue payment until the  beneficiary died (or till the death of the beneficiary  or beneficiary's spouse - whoever died later), and would return the entire sum invested (less payouts already made, of course) in case of premature death. $y typically would be a little larger than $x too, because it factored in some earnings of the investment over the years. So what was not to like? Of course, the commissions earned by the planner and the lousy mutual funds and the huge surrender charges were  always glossed over.


With only $2000 in the account, I wouldn't worry about investing it.  Instead, I would roll this over into a new HSA account with a different provider.  Find a provider that doesn't charge ongoing fees, perhaps with a local credit union or bank.  Although you won't be able to add money to it, you can withdraw as you have eligible medical expenses, until it is gone.


In my book if it comes in the mail with official looking envelopes, language and seals to try and get you to open it, the company isn't trust worthy enough for my business. I get a pile of these for my VA loan every week, I imagine FHA loans get similar junk mail. Rates are very low at the moment so it is likely that rates from reputable lenders are 1 to 2%  lower than say a year or 2 years ago.  In general if a lender gives you a GFE the numbers on it are going to be pretty accurate and there isn't a great deal of wiggle room for the lender so the concerns with reputation should focus on is this outfit some type of scam and then reviews on how good or bad their customer service is. Chances of running into a scam seem pretty low but the costs could be really high. As far as checking if an unknown lender is any good it is kind of tough to do. There is a list of Lenders on HUD's site. Checking BBB can't hurt but I wouldn't put a lot of stock into their recommendations. Doing some general Google searches certainly can't hurt but aren't fool proof either. Personally I would start by checking what prevailing rates are for your current situation. You could go to your proffered bank or to any number of online sites to get a couple of quotes.


Historically there weren't really high barriers to get in, but I find nowadays that banks are looking for quant backgrounds (MQF, ME, MFin) even though it isn't really required unless you're working in modeling. Maybe pursuing a master's program would help.   Another route considering your BA experience, you could try to get involved in regulatory projects at a bank. It's a bit of a longshot since they tend to use consulting firms. Get involved with that and you'll interact with risk reporting teams and could work from there.   Other than that, get a lucky break haha, knowing someone definitely helps.


Hay for cattle? That seems strange - why are you not doing ensilage? It has a lot better nutritionary stats and is easier to make since it doesn't require the raw material to be as dry as hay.   Where do you live? Here we have roughly 9 months of not enough grass growth so not collecting feed for the livestock is not an option.


the problem for millenials, is that even if the economy DOES return in a few years, they will largely looked over in favor of the fresher generation Z [or whatever it is called] graduates.  Why hire a 30 year old with no professional experience when you can hire a brand new graduate with no professional experience?


a free $50 looks too good to be true. As others already pointed out, these offers are common to many cards that want you to build loyalty towards a particular company (e.g. airlines cards give lots of mileage for a decent initial spend). Should I get this card for the $50? Why and/or why not? How much do you spend on Amazon, or are planning to do so in future? This offer has been around for ages (earlier they used to offer much smaller amounts of $20 for signing up) and you never saw it. So probably, you won't be really using the site frequently. In that case, its just a matter of whether $50 is worth the hassle for you to sign up and then later cancel (if you don't want to manage another new card). The hit to credit score is likely to be minimal unless you do such offers often. As such, for a person who rarely buys on Amazon I wouldn't advise you to sign up for this card, there are better rewards cards that are not as tied to a particular site (such as Chase Freedom, Discover etc.) If however, you are a regular shopper but just never noticed this prompt earlier; then it is worthwhile to get this - or even consider the Prime version, which you will get or be automatically upgraded to if the account has Prime membership. That gives 5% back instead of 3% on Amazon.


Except that a universal basic income is going to be necessary in the coming years, in all western countries. Period.   Failing to provide it, will result in the poor pulling the rich from their cars, and beating them to death. But the poor in the USA can get hand guns pretty easily, so there will probably be a lot of shootings, too.  Never underestimate the power of a class whose livelihoods have been stolen by corporations.  Plus, with 60% unemployment, *who is going to buy all the nice toys the corporations make?*


If it's just you working, I'd use a ballpark figure of 35% owed - it may be a little high or low, but it's a safe margin to keep set aside for paying your liabilities at the end of the year.


This is very similar to what was asked in this question: Scam or real? This is a real winner of a scam, because it always finds someone gullible enough to fall for it.  No stranger sends you money just to be a nice guy. This version of the scam is one I've seen on job-hunting sites.  They'll promise you a job, and then they say they'll send you a check for equipment and supplies, but you need to send most of the money back to them.  As long as they find victims, they'll continue to find more refined techniques to stay ahead of the authorities, and it'll change just enough that people won't recognize it for what it is. AVOID THIS AT ALL COSTS!! I hope this helps. Good luck!


">If there's no demand, as the Keynesians claim  While I agree with everything else you said, where does Keynesian economics say that there is no demand?  I mean just because economists argue this, doesn't mean their theory argues this.  This isn't like saying ""republicans believe"" (which is still technically incorrect since it would be difficult to speak for all republicans) because Keynesian economics is an established theory while ""republican"" is not."


I'll agree with the other commenter. There is a ton more to sales than speaking the language and being a decent public speaker. Unless you know what you're getting into and feel confident you can get it done (or you believe that the company is willing to help you learn and grow as a salesperson and that's interesting to you from a career development perspective), I'd recommend avoiding a sales role and encouraging your boss to hire an actual sales person who meets his or her criteria.   EDIT: Source: am startup founder with no sales background who is having to do founder selling right now and learning just how hard it is.


"It will be helpful to establish some definitions: Long ""Long"" is financial slang for ""to have possession of an asset"", legally, and ""to debit an asset"", financially.   Short ""Short"" is financial slang for ""to be liable for an asset"", legally, and ""to credit an asset"", financially. Option ""Option"" is financial slang for ""to have the right but not obligation to force the liable to perform action"", legally.  Without limits and when taken to absurdity, this can mean slavery.  For equities, this means ""to have the right but not the obligation to force the liable to buy/sell a specified asset at a specified price with a specified expiration for that right"" for a call/put, respectively. By the above, a call option is ""the right but not the obligation to force the liable to buy a specified asset at a specified price with a specified expiration for that right"". By the definition of ""long"" above, a call option is actually not long the underlying. By the definitions above and with a narrower scope applied to equities & indexes, to be ""long"" the call means ""to have the right but not the obligation to force the liable to buy a specified asset at a specified price with a specified expiration for that right"" while to be ""short"" the call means ""to have the obligation to be forced to sell a specified asset at a specified price with a specified expiration for that right"". So, to be ""long"" a call means to simply own the call."


"We're in much the same boat as you.  We do make use of the transaction download feature of our software, but we don't let it auto-enter the amounts.  We use the downloaded transactions to make entering our receipts easier.  We each take responsibility for entering our own transactions, and then I go through and download bills, reconcile statements and such.  I'm the numbers person in our house, so it's easier for me to take care of this stuff.  We have all of our bills on auto-pay so that we don't have to worry about payments not getting made if we don't have time to get to our banking tasks on time.  I try to set aside time on Saturday afternoon while my kids have their ""screen time"", or I'll do it in the evening after the kids are in bed. This year, my wife has been much busier and hasn't had as much time to keep up with her data entry, so we've been doing less well at keeping up with things.  Something we're considering (and this might work for you as well) is to use the envelope system for the categories where we're most in danger of over-spending.  This way. we would have an easy way to see if we'd overspent a category even if we were behind on our data entry.  If you're not familiar with the envelope system, respond here and I'll explain it further."


"Are you a commercial pilot? If not, you have no idea how much training they have to go through on an ongoing basis, not to mention a medical every six months, etc.  Trust me, if the system ""goes down"", you'll be damn grateful there are highly trained professionals in the cockpit to save your ass.   EDIT; Sorry, didn't mean to rant, but I have a close family member who is a commercial captain, and I tend to get riled up when    people don't understand what kind of training these guys have to go through."


You can't suggest democrats aren't good on reddit. The circle jerk on here is ridiculous. No one wants to admit faults in their own party and always wind up pointing fingers when people say bad things like the fact the other party does it excuses them. Both parties disgust me.


"I think that there is insufficient infrastructure to support a company the size of GM selling only electric cars. They would be making a huge assumption that people actually want what they're offering, and that the vast majority of the US will have the infrastructure to support it in a meaningful way.  Imagine if ~~Pentium~~ Intel said, ""You know what, we're only going to make cell phone processors from now on. Cell phones are the future, and they're more energy efficient, so that's all we'll be making in 5 years.""  Do you really think that so many people will stay loyal to the brand, rather than jumping to AMD or some other competitor who actually makes full-size processors, that their business will stay afloat at its current size?  I'm also going to guess that the segment of people who 'buy American' and are loyal to General Motors as a company has a pretty small overlap with people who want a glorified golf cart. What about all the people that need big work trucks with hauling power that can run all day? Sounds like they're being left out in the cold, and I'm sure Ford would be thrilled to pick them up with the gas-guzzlingest trucks they can produce. Throwing away an entire segment of your customer base isn't a very strong move when you're trying to keep a business afloat. Hydrogen fuel cells sound nice, but I haven't seen any proof that the technology has been developed enough to actually run a car in normal day-to-day. They're making a promise that nobody has delivered on.  Electric cars are a fine offering *in addition to* the internal combustion engines that still run the world. But to replace them completely? They're nowhere close to that, and the expenses to get that sort of project into full swing would bankrupt GM even if poor sales don't.  I think the big mistake is that people are looking at Tesla's success and attributing it to a huge consumer thirst for electric cars, rather than to the savvy marketing and hype that formed around Elon Musk. It's a cult of personality. People want a Tesla because it's cool; they don't want a Leaf because it's so darned economical. GM obviously doesn't get that."


Buffalo Wild Wings CEO doesn't sound like she's any use to her company anymore. Why would they keep an unimaginative CEO that can't figure out how to earn the business of a demographic? If all she can do is blame a demographic for having tastes, she needs some time off to realize her shortcomings. Wild Wings should let Marcato take control and let them make appropriate changes if they really want to save the chain.  Edit: Forgot how to pronoun


This happens on dark pools quite often. If I am a large institutional investor with tens of millions of shares, I may want to unload slowly and limit the adverse affects on the price of the stock. Dark pools offer anonymity and have buyers / sellers that can handle large volume.  In the case of a day trader, they often trade stocks with light volume (since they have large fluctuations that can be quite profitable throughout the session). At the end of the session, many traders are unwilling to hold positions on margin and want to unload fast.


"It's amusing that despite all the evidence that ""you can't time the market"", everyone still wants to try.  Of course I understand your fear.  If you invest all your money in the stock market today and it suddenly falls tomorrow you will feel very bad.  There are a few things you can do to reduce your risk with respect to timing, however: Don't plop all your money down on the same day.  Invest in the market over time, perhaps a few hundred dollars per month worth (depending on your appetite).  This averages your purchase cost to ensure you aren't buying at the time when prices are highest.  The down side is of course that if you leave cash sitting around, you might also not be buying when the prices are lowest either and will probably miss out on some gains.  Still, if risk is your concern, this is a sound strategy. Invest in various markets overseas.  This will expose you to some currency risk, but lower your timing risk, as even with globalization markets don't rise and fall in tandem.   Even with both of the above, you can still be just plain unlucky (or lucky).  I would recommend that you invest only money that you don't need to take out in the near future (in order to reduce the chance that the money will have lost value since you put it in!), and that you don't watch the markets since it makes a lot of people nervous and tends to prod them into doing exactly the wrong thing at exactly the wrong time."


Great question! It can be a confusing for sure -- but here's a great example I've adapted to your scenario: As a Day Trader, you buy 100 shares of LMNO at $100, then after a large drop the same day, you sell all 10 shares at $90 for a loss of $1,000. Later in the afternoon, you bought another 100 shares at $92 and resold them an hour later at $97 (a $500 profit), closing out your position for the day. The second trade had a profit of $500, so you had a net loss of $500 (the $1,000 loss plus the $500 profit).  Here’s how this works out tax-wise: The IRS first disallows the $1,000 loss and lets you show only a profit of $500 for the first trade (since it was a wash). But it lets you add the $1,000 loss to the basis of your replacement shares. So instead of spending $9,200 (100 shares times $92), for tax purposes, you spent $10,200 ($9,200 plus $1,000), which means that the second trade is what caused you to lose the $500 that you added back (100 x $97 = $9,700 minus the 100 x $102 = $10,200, netting $500 loss). On a net basis, you get to record your loss, it just gets recorded on the second trade. The basis addition lets you work off your wash-sale losses eventually, and in your case, on Day 3 you would recognize a $500 final net loss for tax purposes since you EXITED your position. Caveat: UNLESS you re-enter LMNO within 30 days later (at which point it would be another wash and the basis would shift again). Source: http://www.dummies.com/personal-finance/investing/day-trading/understand-the-irs-wash-sale-rule-when-day-trading/


I know of no way to answer your question without 'spamming' a particular investment.  First off, if you are a USA citizen, max out your 401-K. Whatever your employer matches will be an immediate boost to your investment.  Secondly, you want your our gains to be tax deferred. A 401-K is tax deferred as well as a traditional IRA.  Thirdly, you probably want the safety of diversification. You achieve this by buying an ETF (or mutual fund) that then buys individual stocks.  Now for the recommendation that may be called spamming by others : As REITs pass the tax liability on to you, and as an IRA is tax deferred, you can get stellar returns by buying a mREIT ETF.  To get you started here are five: mREITs  Lastly, avoid commissions by having your dividends automatically reinvested by using that feature at Scottrade. You will have to pay commissions on new purchases but your purchases from your dividend Reinvestment will be commission free.  Edit: Taking my own advice I just entered orders to liquidate some positions so I would have the $ on hand to buy into MORL and get some of that sweet 29% dividend return.


"What will happen if the stock price just continues to decline?  Nothing. What would happen if folks just stop trading it? Nothing. What if the company goes private? Then they will have to buy you out based on some agreed upon price, as voted by the board and (potentially) approved by the shareholders. Depending on the corporation charter, the board may not be required to seek the shareholders' approval, but if the price the board agreed upon is unreasonable you can sue and prevent the transaction. How do they decide the fair value of the outstanding stocks? Through a process called ""valuation"", there are accounting firms which specialize in this area of public accounting."


"Because I feel the answers given do not wholely represent the answer you are expecting, I'd like to re-iterate but include more information. When you own stock in a company, you OWN some of that company. When that company makes profit, you usually receive a dividend of those profits. If you owned 1% of the company stock, you (should) recieve 1% of the profits. If your company is doing well, someone might ask to buy your stock. The price of that stock is (supposed) to be worth a value representative of the expected yield or how much of a dividend you'd be getting.  The ""worth"" of that, is what you're betting on when you buy the stock, if you buy $100 worth of coca cola stock and they paid $10 as dividend, you'd be pretty happy with a 10% growth in your wealth. Especially if the banks are only playing 3%. So maybe some other guy sees your 10% increase and thinks, heck.. 10% is better than 3%, if I buy your stocks, even as much as 6% more than they are worth ($106) I'm still going to be better off by that extra 1% than I would be if I left it in the bank.. so he offers you $106.. and you think.. awesome.. I can sell my $100 of cola shares now, make a $6 profit and buy $100 worth of some other share I think will pay a good dividend. Then cola publicises their profits, and they only made 2% profit, that guy that bought your shares for $106, only got a dividend of $2 (since their 'worth' is still $100, and effectively he lost $4 as a result. He bet on a better than 10% profit, and lost out when it didn't hit that. Now, (IMHO) while the stock market was supposed to be about buying shares, and getting dividends, people (brokers) discovered that you could make far more money buying and selling shares for 'perceived value' rather than waiting for dividends to show actual value, especially if you were not the one doing the buying and selling (and risk), but instead making a 0.4% cut off the difference between each purchase (broker fees). So, TL;DR,  Many people have lost money in the market to those who made money from them. But only the traders and gamblers."


As much as I'd like to tell you to save some for an emergency fund or use it to pay off some debt, if you really need a new roof you should get that taken care of first.


Well, it helps the regular Joes justify piracy.  And I mean that non-sarcastically.  The author of Forest Gump got contracted for a 3% share of the film's net profits.  Hollywood claimed the best seller film was a loss, and so paid him nothing.  Makes it hard to morally criticize pirates.


I would definitely pay down the debt first.  If it is going to take 15 years to do so, you probably need to allocate more money to paying down debt. Cut expenses by going out to eat less, and keeping spending to the bare necessities.  You might even consider getting a second job, just for paying down the debt.  If that isn't enough, consider selling off some assets.  You should be able to come up with a plan to be debt free (excluding maybe a regular mortgage) within 3-5 years. Once the only debt you have is a home mortgage, then its time to look at putting money towards retirement again. Note, you should not take money out of a 401k or IRA to pay off debt.  The costs for doing so are nearly always too great.


First: it sounds like you are already making wise choices with your cash surplus. You've looked for ways to keep that growing ahead of inflation and you have made use of tax shelters. So for the rest of this answer I am going to assume you have between 3-6 months expenses already saved up as a “rainy day fund” and you're ready for more sophisticated approaches to growing your funds. To answer this part: Are there any other ways that I can save/ invest that I am not currently doing? Yes, you could look at, for example: 1. Peer to peer These services let you lend to a 'basket' of borrowers and receive a return on your money that is typically higher than what's offered in cash savings accounts. Examples of peer to peer networks are Zopa, Ratesetter and FundingCircle. This involves taking some risks with your money – Zopa's lending section explains the risks. 2. Structured deposits These are a type of cash deposit product where, in return for locking your money away for a time (typically 5 years), you get the opportunity for higher returns e.g. 5% + / year. Your deposit is usually guaranteed under the FSCS (Financial services compensation scheme), however, the returns are dependent on the performance of a stock market index such as the FTSE 100 being higher in x years from now. Also, structured deposits usually require a minimum £3,000 investment. 3. Index funds You mention watching the stock prices of a few companies. I agree with your conclusion – I wouldn't suggest trying to choose individual stocks at this stage. Price history is a poor predictor of future performance, and markets can be volatile. To decide if a stock is worth buying you need to understand the fundamentals, be able to assess the current stock price and future outlook, and be comfortable accepting a range of different risks (including currency and geographic risk). If you buy shares in a small number of companies, you are concentrating your risk (especially if they have things in common with each other). Index funds, while they do carry risks, let you pool your money with other investors to buy shares in a 'basket' of stocks to replicate the movement of an index such as the FTSE All Share. The basket-of-stocks approach at least gives you some built-in diversification against the risks of individual stocks. I suggest index funds (as opposed to actively managed funds, where you pay a management fee to have your investments chosen by a professional who tries to beat the market) because they are low cost and easier to understand. An example of a very low cost index fund is this FTSE All Share tracker from Aberdeen, on the Hargreaves Lansdown platform: http://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/a/aberdeen-foundation-growth-accumulation General principle on investing in stock market based index funds: You should always invest with a 5+ year time horizon. This is because prices can move up and down for reasons beyond your anticipation or control (volatility). Time can smooth out volatility; generally, the longer the time period, the greater your likelihood of achieving a positive return. I hope this answer so far helps takes into account the excess funds. So… to answer the second part of your question:  Or would it be best to start using any excess funds […] to pay off my student loan quicker? Your student loan is currently costing you 0.9% interest per annum. At this rate it's lower than the last 10 years average inflation. One argument: if you repay your student loan this is effectively a 0.9% guaranteed return on every pound repaid – This is the equivalent of 1.125% on a cash savings account if you're paying basic rate tax on the interest. An opposing argument: 0.9% is lower than the last 10 years' average inflation in the UK. There are so many advantages to making a start with growing your money for the long term, due to the effects of compound returns, that you might choose to defer your loan repayments for a while and focus on building up some investments that stand a chance to beat inflation in the long term.


"There is an economic, a social and a psychological side to the decision whether to buy insurance or not, and if yes, which one. Economically, as you say already in your question, an insurance is on average  a net loss for the insured.  The key word here is ""average"". If you know that there are many cancer cases in your family buy health insurance by all means; it's a sound investment. If you are a reckless driver make sure you have extensive coverage on your liability insurance. But absent such extra risks: Independently of somebody's wealth insurance should be limited to covering catastrophic events.  What is often overlooked is that the insurance by all means should really cover those catastrophic events. For example the car liability minimums in many states are not sufficient. The typical upper middle class person could probably pay the 15k/30k/10k required in Arizona with a loan on their house; but a really catastrophic accident is simply not covered and would totally ruin that person and their family.  Insuring petty damage is a common mistake: economically speaking, all insurances should have deductibles which are as high as one could afford to pay without feeling too much pain.  That ""pain"" qualification has an economical and a social aspect. Of course any risk which materialized is an economical damage of some kind; perhaps now I can't buy the PS4, or the diamond ring, or the car, or the house, or the island which had caught my eye. I could probably do all these things, just perhaps without some extras, even if I had paid for insurance; so if I don't want to live with the risk to lose that possibility I better buy insurance. Another economical aspect is that the money may not be available without selling assets, possibly on short notice and hence not for the best price. Then an insurance fee takes the role of paying for a permanent  backup credit line (and should not be more expensive than that).  The social aspect is that even events which wouldn't strictly ruin a person might still force them to, say, sell their Manhattan penthouse (no more parties!) or cancel their country club membership. That is a social pain which is probably to be avoided. Another socioeconomic aspect is that you may have a relationship to the person selling you the insurance. Perhaps he buys his car at your dealership? Perhaps he is your golf buddy? Then the insurance may be a good investment. It is only borderline bad to begin with; any benefits move the line into the profit zone. The psychological aspect is that an insurance buys peace of mind, and that often seems to be the most important benefit. A dart hits the flat screen? Hey, it was insured.  Junior totals the Ferrari? Hey, it was insured. Even if the house burns down having fire insurance will be a consolation."


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-08-29/is-the-midlife-crisis-real-economists-and-psychologists-can-t-agree) reduced by 90%. (I'm a bot) ***** > &quot;I&#039;ve been doing research for pretty much my whole career on adult development, and I&#039;ve never found age linked definitively to anything psychological about a person. You can call it a midlife crisis. A quarter-life crisis. But whatever&#039;s going on with you personally, you can&#039;t blame it on age.""  > The National Institute of Aging finds that only a third of Americans over age 50 claim to have experienced a mid-life crisis.  > &quot;People do go through periods of self-evaluation, but it&#039;s not tied to age. If someone close to you dies and you start to think about how life is limited, is that a mid-life crisis? Or is it just a healthy reevaluation of your priorities?&quot;.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6xqxt7/is_the_midlife_crisis_real_economists_and/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~203281 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*: **age**^#1 **people**^#2 **Oswald**^#3 **crisis**^#4 **Blanchflower**^#5"


At the time of the auction android was just vaporware but many companies were restricting the phones that they allowed on their networks so that they could control what the phones were being used for.  The big guys (AT&T, Verison, and Sprint) feared that being forced to allow phones that could do things they did not have control over would cost them money(Especially since they charged for every little feature they added). They also wanted to prevent their phones (which they subsidize to their customers in to reap long term profits) from being taken to other networks.   Goggle saw the potential for the largest chunk of bandwidth available to the telco's to be restricted to services of one company and their strangle hold over the phones and services that were allowed to use it.  They manuvered the bidding to ensure that this did not happen.  There are many who believe that Verison bought the spectrum more to prevent anyone from competeing with them than because they actually wanted to use it.  But at least they are forced to allow other parties in to compete even if it is on their playground.


A 457(b) plan allows access to funds after you separate from your employer, regardless of age.


Did you grow up in the country? Is anyone in your family chronically sick? Did you ever get laid off? Did you lose your shirt in the recession? Is your child's father a deadbeat dad?  Where I live there are a lot of people on the brink. It's a seasonal resort area and there are simply not high paying jobs around. These people work full time and make shit wages in winter and modest wages in summer. They live in trailers and meager housing. They never go on vacation and they are on Medicaid because they can't afford healthcare. What are they supposed to cut? Food? Heat?  When you grew up poor and black, did your parents eat out all the time?


There's often a legal basis to answer this question. For instance, Austria (guessing from your profile) currently uses a 4% Statutory interest rate. You'll need to dig up not just the actual but also the historical rates. Note that you'll want the non-commercial interest rate - some countries differentiate between loans to businesses and loans to individuals.


I would give him some credit for not screwing up and over spending too much. He has run up his secret service costs so they need more money that hasn't shown up but that is really a drop in the bucket against the budget. He hasn't passed any legislation that effects the budget yet.  And mid year really doesn't matter they should have a pretty good prediction for the debt this year that would be a more telling number.


"Things are in fact more complicated. It really depends what you mean by ""ticker"" and who gave you this ticker. There is several codes to identify a security: The Bloomberg code contains a code to identify the exchange as in ALU:FP the FP part refers to Euronext Paris. The RIC code works the same way but with a different convention. Exchanges are identified by the MIC code.(they are in fact divided in market segments with each market segment having a main market segment) ISIN and SEDOL codes do not provide informations about the exchange so they are usually given with a MIC. There is no guarantee that Reuters and Bloomberg won't use the same company code to refer to different company.  But they usually use the exchange ticker. This ticker is requested by each company and can be anything. They are accepted most of the time. But sometimes to avoid confusion some requests are rejected. (For instance FBI ticker was refused) For more info read: The evolution of ticker symbols Financial providers like Bloomberg provides services to be informed when a security is added/removed from a market."


Sport betting is a typical kind of gambling where participants invest on the results of the game and performance of the players. According to the preset rates for betting, if the participant’s prediction while making the investment becomes true, the participant receives multiples of the amounts invested earlier.


You can *think* and *feel* whatever you like about the man, its your right as an American. I'm not here to tell you what you can and can't think.  Unfortunately though, your fee fees are not concrete, admissible evidence in court. Nor will they ever be.


Might depend on the job, if he's going to be selling bibles then experiencing the bullshit so you can talk bullshit to customers who you're trying to offload stock on to then yeah, he should be saved and baptized and kosher.  So lets see what job this guy was applying for...  Selling light bulbs. Yeah that's irrelevant, this company is asshole driven.


Okay I don't know where my disconnect was, in my mind I was viewing that as a negative for some reason haha. Thanks! That makes sense.  What is your perspective on the large amount of companies buying back shares right now?


I thought the same thing when I was in high school.  But I worked several jobs ranging from $7.25 to $12 an hour.  It's about not being complacent and going out there to look for other, Better paying opportunities. And at the end of the day, if your labor can only command a shit wage then go get some skills.  Go EARN a higher wage.


To particularly piss you off even more  And to impress upon you the difficulty of training people, who hate you, how to effectively kill people, and stand next to them when they have loaded automatic rifles and explosives.  Had your fearless leader not dodged the draft because he had bumps on his feet, such things would have been basic knowledge and required no explanation.


Some businesses verify the shipping address with the credit card company, and refuse to ship to an alternate address without additional, offline verification.  Of course, this is only useful for physical goods.


Japan  has huge current account, trade surplus and shrinking population/consumption,  Unless they print money, Yen will shoot up, creating problem with their export economy. Japan can only wish the rest of the planet dump their currency, lowering yen and enhancing export. Yen is not a major reserve currency. So there is that.  Does it apply to US? probably not, US is deficit and debt economy.  Dollar is reserve currency, creating artificial demand and pumping US economy.   Once that privilege is gone, dollar global purchasing power will tank.  So toying with dollar credibility like Japan printing Yen is not really an option.


It would be worth looking at their details as they will outline clearly what the 2% is on. Having said that the 2% will probably be on the value of the portfolio at the time the charge is calculated. (It might be that they don't levy this on the cash section of portfolio, it might be that they do.) They will usually make you sign a direct debit form so that they can take the fees straight from you. There are much better deals around than this, 2% is a huge fee if you had an portfolio that is worth £100,000 after some years the fees they would be charging you would be £2,000 a year. it's worth shopping around for a better deal, as it can prove costly to change ISA provider at later date.


If you have a public company and shareholder A owns 25% and shareholder B owns 25%, and lets say the remaining 50% is owned by various funds/small investors.   Say profits are 100mil, and a dividend is payed. Say 50 mil worth is payed out as dividend and 30 mil is kept as retained earnings for future investment. Can the remaining 20 mil be distributed to shareholders A and B, so that they both get 10mil each? Can certain shareholders be favored and get a bigger cut of profits than the dividends pay out is my question basically.


Not one word about price locking across the board, or to restate, how they plan to avoid going bankrupt like Circuit City did when Circuit City successfully cut the profit margin of televisions and other products to 0.  I'm sorry, this is closer to blog spam than it is news, we should all be ashamed for upvoting this.


Or because you know about them from the ads. Commercials are not sole intended to make you get off the couch and go to the store buy a product you've just seen an ad for, it attempts to familiarize you with the product and let you know about its existence. First time costumer likely to buy a brand that they heard of.


I think the best answer that doesn't make the buyer look like a moron is this. Buyer had previously sold a covered call.  They wanted to act on a different opportunity so they did a closing buy/write with a spread of a couple cents below asking for the stock, but it dipped a couple cents and the purchase of those options to close resolved at 4 cents due to lack of sellers.


">How to look at a group of people, asses their skills sets and organize them in a way that makes sense in order to get the job done?  It doesn't work like that, well at least not usually. You don't get a bunch of people you need to ""asses and organize."" You hire people you need and can afford. That's it."


The DOW is just an index, which is simply a group of stocks meeting the criteria for inclusion. In the case of the DOW, it's the 30 US stocks with the largest market capitalization, but other indices include many lesser stocks (such as the S&P500 or the Russell 2000). The fact that Holobeam is no longer a constituent of the DOW30 probably shouldn't be taken in and of itself as a signal to sell the stock. As far as I can tell, HOOB stock is still trading on the Nasdaq exchange. However, it is extremely ill-liquid, which means that there are very few people willing to buy or sell it. Whether or not this would work to your advantage is almost entirely down to luck - it depends whether there is a keen buyer out there at the time you try to sell.


Do I report it as income? Is it subject to just the same amount of   taxes (~30%) as regular income? Are there any restrictions on how it   can be used? It is income. You can deduct the costs of maintaining the web page and producing the software from it (have an accountant do that for you, there are strict rules on how to do that, and you can only deduct up to the income if its a hobby and not a for-profit business), but otherwise it's earned income like any other self employment income. It is reported on your schedule C or on line 21 of your 1040 (miscellaneous income), and you're also liable for self-employment taxes on this income. There are no restrictions, it's your money. Technically, who is the donation even being made to? Me, just because   I own the webpage? Yes. This is for the United States, but is there any difference if the   donations come from overseas? No, unless you paid foreign taxes on the money (in which case you should fill form 1116 and ask for credit). If you create an official 501(c) organization to which the donations are given, instead of you getting it directly, the tax treatment will be different. But of course, you have to have a real charitable organization for that. To avoid confusion - I'm not a licensed tax professional and this is not a tax advice. If in doubt - talk to a EA/CPA licensed in your State.


Generally, ETFs and mutual funds don't pay taxes (although there are some cases where they do, and some countries where it is a common case). What happens is, the fund reports the portion of the gain attributed to each investor, and the investor pays the tax. In the US, this is reported to you on 1099-DIV as capital gains distribution, and can be either short term (as in the scenario you described), long term, or a mix of both. It doesn't mean you actually get a distribution, though, but if you don't - it reduces your basis.


"If you do as you propose you are going to get burned. You need to sell, then start to rent. amongst other things. Since 2008, the economy never ""recovered,"" but was sort of stabilized temporarily like a fighter on the ropes. The economy is beginning to collapse again, and that collapse will accelerate around the Fall. The dollar too will also begin its delayed downward fall come Autumn. Just one example of what I speak: https://research.stlouisfed.org/fred2/series/CIVPART I would be happy to tell you more if you like, but I am already going to get pilloried for what I have already said. I do not sell anything, or push anything, but since you asked, and I follow this day in and day out, I thought that I would give you my very well informed answer. Take it for what it's worth. So let me know if you want more."


Whether or not I trust them depends entirely on the personal finance application. In the cases of Mint and Quicken, I would trust both. Always make sure to do plenty of research before submitting any personal information to any source.


"Mission is easily the toughest item on this list to get right and not look like a corporate douchebag. Especially since *Office Space* lamented ""listening to eight different bosses drone on about mission statements"" 13 years ago and it really stuck.  It seems mission and strategy are somewhat interchangeable, and strategy isn't as tainted with meaninglessness. Either way, to me the important point here is clarity of overall vision for the company from the top and communicating that strategy all the way down the chain. Other points like 1. Target, 5. Expectations, and 8. Future fall out of that if it's done right.  And plastering some branded version of that strategy on a bunch of trinkets is *definitely* not right."


"Rich people use ""depositor"" banks the same way the rest of us use banks; to keep a relatively small store of wealth for monthly expenses and a savings account for a rainy day. The bulk of a wealthy person's money is in investments. Money sitting in a bank account is not making you more money, and in fact as Kaushik correctly points out, would be losing value to inflation. Now, all investments have risk; that's why interest exists. If, in some alternate universe, charging interest were illegal across the board, nobody would loan money, because there's nothing to be gained and a lot to lose. You have to make it worth my while for me to want to loan you my money, because sure as shootin' you're going to use my loan to make yourself wealthier. A wealthy person will choose a set of investments that represent an overall level of risk that he is comfortable with, much like you or I would do the same with our retirement funds. Early in life, we're willing to take a lot of risk, because there's a lot of money to be made and time to recover from any losses. Closer to retirement, we're much more risk-averse, because if the market takes a sudden downturn, we lose a significant portion of our nest egg with little hope of regaining it before we have to start cashing out. The very wealthy have similar variances in risk, with the significant difference that they are typically already drawing a living from their investments. As such, they already have some risk aversion, but at the same time they need good returns, and so they must pay more attention to this balancing act between risk and return. Managing their investments in effect becomes their new job, once they don't have to work for anyone else anymore. The money does the ""real work"", and they make the executive decisions about where best to put it. The tools they use to make these decisions are the same ones we have; they watch market trends to identify stages of the economic cycle that predicate large movements of money to or from ""safe havens"" like gold and T-debt, they diversify their investments to shield the bulk of their wealth from a sudden localized loss, they hire investment managers to have a second pair of eyes and additional expertise in navigating the market (you or I can do much the same thing by buying shares in managed investment funds, or simply consulting a broker; the difference is that the wealthy get a more personal touch). So what's the difference between the very wealthy and the rest of us? Well first is simple scale. When a person with a net worth in the hundreds of millions makes a phone call or personal visit to the financial institutions handling their money, there's a lot of money on the line in making sure that person is well looked-after. If we get screwed over at the teller window and decide to close our acocunts, the teller can often give us our entire account balance in cash without batting an eyelid. Our multimillionaire is at the lower end of being singlehandedly able to alter his banks' profit/loss statements by his decisions, and so his bank will fight to keep his business. Second is the level of control. The very wealthy, the upper 1%, have more or less direct ownership and control over many of the major means of production in this country; the factories, mines, timber farms, software houses, power plants, recording studios, etc that generate things of value, and therefore new wealth. While the average Joe can buy shares in these things through the open market, their investment is typically a drop in the bucket, and their voice in company decisions equally small. Our decision, therefore, is largely to invest or not to invest. The upper 1%, on the other hand, have controlling interests in their investments, often majority holdings that allow them far more control over the businesses they invest in, who's running them and what they do."


"Uncertainty has very far reaching effects.   Oil is up ~100% since February and down ~40% from it's 52 week high (and down even more on a longer timeline).  It's not exactly a stable investment vehicle and moves a few percent each day on basically nothing.  A lot of securities will be bouncing around for the next couple weeks at least while folks remain uncertain about what the ""brexit"" will actually mean."


If you want to make money while European equities markets are crashing and the Euro itself is devaluing: None of these strategies are to be taken lightly. All involve risk. There are probably numerous ways that you can lose even though it seems like you should win. Transaction fees could eat your profits, especially if you have only a small amount of capital to invest with. The worst part is that they all involve timing. If you think the crash is coming next week, you could, say, buy a bunch of puts. But if the crash doesn't come for another 6 months, all of your puts are going to expire worthless and you've lost all of your capital. Even worse, if you sell short an index ETF this week in advance of next week's impending crash, and some rescue package arrives over the weekend, equity prices could spike at the beginning of the week and you'd be screwed.


I don't think you understand what it's saying, not that there were only 8 crashes, that in 8 crashes 28 people died.  It's talking about the amount of fatalities/crash for those 8 crashes, which is why the sentence after that talks about curbside operators being more dangerous.  There were more than 8 crashes among all the different bus lines in a year.


I know people complain about Best Buy.  People complain about everything.  But just speaking from personal experience, I have no issues with Best Buy.  I even spent about $1,000 on a TV there a couple years ago, and didn't like the TV.  I took it back and exchanged it for a different model.  No questions asked.  Their prices are fair.  The customer service is usually fine.  In fact, it's a little better than fine because I'm pretty sure they don't make any kind of commission, so I never feel pressured.


"Yesterday I have received a call from my local bank. They told the the payment had arrived, but the money sender failed to specify my account number. They have only specified SWIFT code and my address. And in order to receive my money, money sender has to send an additional SWIFT message, where my account number must be specified. And the money transfer will remain ""frozen"" (or ""blocked"") until such a message would be received. In this case normally your local bank has to send a SWIFT MT199 to the sending Bank that the account number quoted is missing. The Sending Bank would contact the company and send back a SWIFT message with required info."


In no particular order - to help you on deciding whether to invest or not: Building Wealth One House at a Time Buy & Rent Foreclosures: 3 Million Net Worth, 22,000 Net Per Month, In 7 Years...You can too!  Landlording on Auto-Pilot: A Simple, No-Brainer System for Higher Profits and Fewer Headaches and for when/if you actually decide to start: Investing in Real Estate I've read all the books above and they all have a little bit of information here and there to take out - although they have some redudency it is the good type you need to learn/know anyway. Hope this helps.


That's an interesting assessment.  I had a good read.  I suppose it would be weird if we had more government.  We only have 4.5 million people.  I suspect effective government is a fairly low bar as we have plenty of improvement to make in a range of metrics.  We are damaging the environment because of a lack of regulation on farmers activities.  Many rivers in the South Island are not safe to swim in now.  We have very high and growing income inequality.  We are behind the times on drug reform and our incarceration rates and recidivism rates are an embarrassment.  But importantly our system of governance (MMP) is more representative. We restrict campaign spending to small amounts of public money (you see a few billboards and ads on TV) which is proportional to the support that party has.   We allow no outside funding although there has been some instances where private businesses have attempted to influence elections and the various parties are semi-frequently caught (and fined) for trying to skirt these restrictions.  I think that's the main reason we manage to get things pretty right in a haphazard trend towards good policy over time.


"Algorithmic trading doesn't necessarily require live feeds. It is a very generic term describing trading based on the decisions made by a machine and not a person. One very prominent type of algo-trading is ""high frequency trading"". For HFT to be effective, not only do you need live feeds (which are provided by the exchanges electronically), you need them before others get them. That's why HFT traders put their machines as close as possible (physically) to the exchange data centers, sometimes even renting racks at the same datacenters from the exchanges themselves."


I've seen accounting majors in finance roles and finance majors in accounting roles, unless you're really interested in the tax side of things which you'll ultimately need enough credits to pass the CPA.   >Which has better pay?  Sounds like you're ultimately interested in making bank, like the other dude said, get a good GPA, do a few worthwhile internships, and network your ass off.


As with any business, there's a huge learning curve. Rich Dad gives you the fundamentals.. which are sound.. you then need to spend time getting the nitty gritty details of the business ... be it real estate, stock investing etc.  Kiyosaki is a wealthy man... I've listened to some of his podcasts and he know what he's talking about.. AND.. he's been in the business for 20+ years.


Top 25 universities, better if they are near major cities. Ivys + MIT, Stanford, Northwestern, NYU, UNC etc.  As much as the top commenter says its who they know, which is true, its a hell of a lot easier when theres on campus recruiting.


Yeah there's no legitimate reason a co-worker (besides HR of course) would want your high school diploma. If he was trying to prove he has a job, HR could write a letter. I'm extremely cynical so I'm going to stick with it was for something malicious


From a Canadian point of view, I think we are generally very similar to how you describe Austria.  The only thing I use cash for, is to pay for my coffee at a local micro-roaster who only accepts cash.  Cheques, I only use to pay friends.  Everything else is debit or credit card.  Very few businesses around here will even accept cheques anymore.


Absolutely, I agree with Musk that anyone should be allowed to email anyone else in their company with the goal of fixing a problem and improving the business.   That doesn't mean anyone can issue an order or decision to anyone else.  That would be complete chaos.


"Good debt is very close to an oxymoron.  People say student loans are ""good debt,"" but I beg to differ.  The very same ""good debt"" that allowed me to get an education is the very same ""bad debt"" that doesn't allow me to take chances in my career - meaning, I would prefer to have a 'steady' job over starting a business.  (That's my perogative, of course, but I am not willing to take that 'risk.' /endtangent @Harmanjd provided the two really good reason for using cash over borrowing.  We have a tendency in this culture to find reasons to borrow.  It is better for you to make a budget, based on what you want, and save up for it.  Make a ""dream list"" for what you want, then add up the costs for everything.  If that number makes your head hurt, start paring down on things you 'want.'  Maybe you install just a wine cooler instead of a wine cooler and a beer tap, or vice-versa.  And besides, if something comes up - you can always stop saving money for this project and deal with whatever came up and then resume saving when you're done. Or in the case of the kitchen, maybe you do it in stages: cabinets one year, countertops the next, flooring the year after that, and then the appliances last.  You don't have to do it all at once. As someone who is working toward debt freedom, it feels nice whenever we have one less payment to budget for every month.  Don't burden yourself to impress other people.  Take your time, get bids for the things you can't (or won't) do yourself, and then make a decision that's best for your money."


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Capital gain distribution is not capital gain on sale of stock. If you have stock sales (Schedule D) you should be filing 1040, not 1040A. Capital gain distributions are distributions from mutual funds/ETFs that are attributed to capital gains of the funds (you may not have actually received the distribution, but you still may have gain attributed to you). It is reported on 1099-DIV, and if it is 0 - then you don't have any. If you sold a stock, your broker should have given you 1099-B (which is not the same as 1099-DIV, but may be consolidated by your broker into one large PDF and not provided separately). On 1099-B the sales proceeds are recorded, and if you purchased the stock after 2011 - the cost basis is also recorded. The difference between the proceeds and the cost basis is your gain (or loss, if it is negative). Fees are added to cost basis.


"I  particularly enjoy **coming back** to those with a bit detailed breakdown, a plan, saying ""this **will not** be done in that time"".  It takes stature in the workplace, but works wonders.  I have seen tasks taken from me and taking longer to be done by the other guy. The other way around, not so much."


Correct, but that's neither here nor there. I wasn't comparing the two.  I said you can payoff other debts (such as credit cards) through a refi. To do this, a payoff has to be obtained from the creditor just as you would if you just wanted to pay the account off yourself.


They originally planned to have the WiMax rollout start in mid-2007, which would've brought some nice speeds to US customers by 2009.  Infighting with Clearwire delayed the rollout for over a year. I explained the situation (based on whatever info I've gathered to date) in greater detail in [another reply below](http://www.reddit.com/r/business/comments/11ido4/japans_softbank_poised_to_supercharge_sprint/c6mug06). I think that picture is fairly accurate but I'm not an insider so I can't say for sure.


The ads in the newsfeed are now maxed out, just as FB warned all their advertisers they would be 2 years ago.  Twitter has actually been stagnating and struggling to get their users to engage. Most people just use it as a newsfeed.  Reddit is a news aggregator and message board. It is not a social media site.  Snapchat is a completely different animal and doesn't even bear comparison.  Facebook user base is healthy and not going anywhere. As of right now they'd be the last one standing if people decided to abandon social media.


"Well, I suppose it depends on your idea of a ""lost cause"". Are you planning to lose the house to foreclosure?  If so, then yes, it's a lost cause.  Don't waste your money paying down the principal. In any other scenario* you should absolutely pay down the principal to the extent that you'd pay down any loan with nearly 9% interest (in other words, moderately aggressively). The fact is, you owe someone $265,000 unless you plan on losing the home to foreclosure.  You can manage the amount of interest you pay while you hold that debt by paying it down. * Short sale and bankruptcy would be special conditions as well, but not exactly the same effect as foreclosure."


(in response to last comment to me) Ok. I understand now. Forgive me if I appeared to be splitting hairs. When it comes to understanding, exact wording is important. I keep money at home, enough to not be a frequent ATM user, not enough to imply any distrust of the banking system or preparation for Armageddon. You last comments implies the brochure said 13% keep all their money at home, i.e. have no banking relationship. A recent poll concluded 25% of people had less than $2500 available if they had an issue, such as the need to repair a car, or furnace. From that factoid, it wouldn't surprise me that half of those people have no bank acount at all. Not for lack of trust, but lack of money to deposit.


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"The key is to look at total return, that is dividend yields plus capital growth. Some stocks have yields of 5%-7%, and no growth. In that case, you get the dividends, and not a whole lot more. These are called dividend stocks. Other stocks pay no dividends. But if they can grow at 15%-20% a year or more, you're fine.These are called growth stocks. The safest way is to get a ""balanced"" combination of dividends and growth, say a yield of 3% growing at 8%-10% a year, for a total return of 11%-13%. meaning that you get the best of both worlds.These are called dividend growth stocks."


Either make your best guess, or set it low and then file quarterly Estimated Tax payments to fill in what's missing, or set it high and plan on getting a refund, or adjust it repeatedly through the year, or...


"Let's divide all bank accounts into savings and checking. The main difference is that checking is easy to get money from; savings is hard to get money from. Because of this, the federal Reserve requires that banks keep more money on hand to cover transactions in checking accounts. Here is a related question from a banking customer regarding a recent notice on their bank statement: Deposit Reclassification. It seems that the bank was moving the customer's money between hidden sub accounts to make it look like the checking account was really a savings account and thus ""reduce the amount of funds we are required to keep on deposit at the Federal Reserve Bank."" If they didn't have to transfer the money many times the bank could keep less cash on hand. But once they did 5 hidden transactions the rest of the money in the hidden savings account would be moved by the bank. The 6 transaction limit is done to not allow you to treat savings like checking. Here is a relevant quote from the Federal Reserve Savings Deposits  Savings deposits generally have no specified maturity   period. They may be interest-bearing, with interest computed or paid   daily, weekly, quarterly, or on any other basis. The two most   significant features of savings deposits are the ‘‘reservation of   right’’ requirement and the restrictions on the number of   ‘‘convenient’’ transfers or withdrawals that may be made per month (or   per statement cycle of at least four weeks) from the account. In order   to classify an account as a ‘‘savings deposit,’’ the institution must   in its account agreement with the customer reserve the right at any   time to require seven days’ advance written notice of an intended   withdrawal. In practice, this right is never exercised, but the   institution must nevertheless reserve that right in the account   agreement. In addition, for an account to be classified as a ‘‘savings   deposit,’’ the depositor may make no more than six ‘‘convenient’’   transfers or withdrawals per month from the account. ‘‘Convenient’’   transfers and withdrawals, for purposes of this limit, include   preauthorized, automatic transfers (including but not limited to   transfers from the savings deposit for overdraft protection or for   direct bill payments) and transfers and withdrawals initiated by   telephone, facsimile, or computer, and transfers made by check, debit    card, or other similar order made by the depositor and payable to   third parties. Other, less-convenient types of transfers, such as   withdrawals or transfers made in person at the bank, by mail, or by   using an ATM, do not count toward the six-per-month limit and do not   affect the account’s status as a savings account. Also, a withdrawal   request initiated by telephone does not count toward the transfer   limit when the withdrawal is disbursed via check mailed to the   depositor.  Examiners should be particularly wary of a bank’s practices   for handling telephone transfers. As noted, an unlimited number of   telephone-initiated withdrawals are allowed so long as a check for   the withdrawn funds is mailed to the depositor. Otherwise, the limit   is six telephone transfers per month. The limit applies to telephonic   transfers to move savings deposit funds to another type of deposit   account and to make payments to third parties."


Pretty obvious how you could draw the conclusions you've drawn given the source. The problem is that source is in no way based in reality. Man made climate change is absolutely real, that's not even debatable anymore. The degree to which we are changing the climate and what we're going to do about it are the topic at hand but your sources are bunk which is why your opinions on the matter are bunk too.  Not going to downvote because while you didn't actually add anything of substance to the conversation, you cited your source as requested. You need to broaden your horizons.


They charge merchants a transaction fee, typically between 1% and 3%, for processing every credit card transaction. And of course they make money on interest charged to customers even if they pay on time, as long as the customers don't pay off their balance in full every month.


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Certainly reading the recommended answers about initial investing is a great place to start and I highly recommend reading though that page for sure, but I also believe your situation is a little different than the one described as that person has already started their long-term career while you are still a couple years away.  Now, tax-advantaged accounts like IRAs are amazingly good places to start building up retirement funds, but they also lock up the money and have a number of rules about withdrawals. You have fifteen thousand which is a great starting pot of money but college is likely to be done soon and there will likely be a number of expenses with the transition to full-time employment.  Moving expenses, first month's rent, nursing exams, job search costs, maybe a car...  all of this can be quite a lot especially if you are in a larger city.  It sounds like your parents are very helpful though which is great. Make sure you have enough money for that transition and emergency expenses first and if there is a significant pool beyond that then start looking at investments.  If you determine now is the best time to start than then above question is has great advice, but even if not it is still well worth taking some time to understand investing through that question, my favorite introduction book on the subject and maybe even a college course.  So when you land that first solid nursing job and get situated you can start taking full advantage of the 401K and IRAs.


"The Securities Industry and Financial Markets Association (SIFMA) publishes these and other relevant data on their Statistics page, in the ""Treasury & Agency"" section. The volume spreadsheet contains annual and monthly data with bins for varying maturities. These data only go back as far as January 2001 (in most cases). SIFMA also publishes treasury issuances with monthly data for bills, notes, bonds, etc. going back as far as January 1980. Most of this information comes from the Daily Treasury Statements, so that's another source of specific information that you could aggregate yourself. Somewhere I have a parser for the historical data (since the Treasury doesn't provide it directly; it's only available as daily text files). I'll post it if I can find it. It's buried somewhere at home, I think."


It depends on how much your time is worth. Those interest rates from that amount of money will not generate anything convenient. And the effort you make to fulfill the requirements can possibly turn into an overhead cost to getting that $34 a month. For instance, lets say you make $20/hour but you spent an hour trying to figure out how their billpay works. Suddenly not worth it. And if that interest rate is only granted up to $10k, then the compounding effects will be nullified because they won't even grant that same interest rate once the money starts to grow. Hope that helps.


Yes, I think you will be able to withdraw from your 401(k) without penalty. Normally, you need to be age 59½ before you can withdraw without incurring a 10% penalty.  However, an exception to this rule is described in an IRS 401(k) Resource Guide: Exceptions. The 10% tax will not apply if distributions before age 59½ are made in any of the following circumstances: What this means is that if you leave the company that you have the 401(k) with in the calendar year that you turn 55 (or later), you can take early distributions from the 401(k) without penalty.  This year is the year that you turn 55, so it appears that you are eligible for early distributions under this rule.


Let's reverse this.  If you had a business to hold corporate information, and that information was leaked to the world, do you think the corporation would agree that you shouldn't be put out of business?  They would want that and some blood for their troubles.


Best way would probably be to go buy gold or some other liquid item and then just sell it back for cash. Or buy items from stores and return them. Most stores that don't give store credit will give cash or put it on your CC.


I cannot believe noone mentioned this so far: Every decision you make is independent from previous decisions (that is, if you only care about your expected gain). This means that your decision whether to buy the option should be the same whether you bought the same option before or not.


Uber truly is awesome.   Think about how many people Uber home from the bar instead of driving home drunk.  Think about how much of a pain in the ass it was to call different taxi companies, stay on the phone, and order a taxi for pickup at a certain time. And then you needed to have cash on you to pay the guy.  Now you can connect with a driver who picks you up in a nice new car and you can watch in real time as he picks you up. Badass. My life is way better now with ride sharing, and Uber has been willing to take on massive losses year after year for the customers' benefit.


Robin Hood implies taking from the rich and given to the poor.    But, what actually will happen is money will be taken from the rich to support well compensated upper middle class bureaucrats who are bright, well educated and well-connected enough to find work without resorting to a handout.


It is, but most people don't have the need or the ability to attend a private school. There's a good, cheap option in plenty of states. Many of them also have a tuition assistance program available if you keep good grades. I'm only familiar with a handful, but look at UC, UGA, Auburn or Alabama, UF, FSU, USC, UC Boulder, Texas, Texas A&M... I'd wager that most states have a great option for the average person, and it's sometimes the best in the world -- look at Berkley for many hard sciences or Auburn for their veterinarian program. Sure, if you want to be a doctor, lawyer, veteranarian, investment banker, or chase some other professional career you might want to attend one of the top universities to make the right connections, but if those are serious considerations for you in high school your family probably already has the money to be able to afford that.


"This is because volatility is cumulative and with less time there is less cumulative volatility. The time value and option value are tied to the value of the underlying.  The value of the underlying (stock) is quite influenced by volatility, the possible price movement in a given span of time.  Thirty days of volatility has a much broader spread of values than two days, since each day benefits from the possible price change of the prior days.  So if a stock could move up to +/- 1% in a day, then compounded after 5 days it could be +5%, +0%, or -5%.  In other words, this is compounded volatility. Less time means far less volatility, which is geometric and not linear.  Less volatility lowers the value of the underlying.  See Black-Scholes for more technical discussion of this concept. A shorter timeframe until option expiration means there are fewer days of compounded volatility.  So the expected change in the underlying will decrease geometrically.  The odds are good that the price at T-5 days will be close to the price at T-0, much more so than the prices at T-30 or T-90. Additionally, the time value of an American option is the implicit put value (or implicit call).  While an ""American"" option lets you exercise prior to expiry (unlike a ""European"" option, exercised only at expiry), there's an implicit put option in a call (or an implicit call in a put option).  If you have an American call option of 60 days and it goes into the money at 30 days, you could exercise early.  By contract, that stock is yours if you pay for it (or, in a put, you can sell whenever you decide). In some cases, this may make sense (if you want an immediate payoff or you expect this is the best price situation), but you may prefer to watch the price.  If the price moves further, your gain when you use the call may be even better.  If the price goes back out of the money, then you benefited from an implicit put.  It's as though you exercised the option when it went in the money, then sold the stock and got back your cash when the stock went out of the money, even though no actual transaction took place and this is all just implicit. So the time value of an American option includes the implicit option to not use it early.  The value of the implicit option also decreases in a nonlinear fashion, since the value of the implicit option is subject to the same valuation principles. But the larger principle for both is the compounded volatility, which drops geometrically."


RTFA  >Noah places the high-water mark for unionism in the mid-1950s, when nearly 40 percent of American workers were either union members or “nonunion members who were nonetheless covered by union contracts.” In the early postwar years, even the Chamber of Commerce believed that “collective bargaining is a part of the democratic process,” as its then-president noted in a statement. >But, in the late-1970s, union membership began falling off a cliff, brought on by a variety of factors, including jobs moving offshore and big labor’s unsavory reputation. Government didn’t help either: Ronald Reagan’s firing of the air traffic controllers in 1981 sent an unmistakable signal that companies could run roughshod over federal laws intended to protect unions — which they’ve done ever since. >The result is that today unions represent 12 percent of the work force. “Draw one line on a graph charting the decline in union membership, then superimpose a second line charting the decline in middle-class income share,” writes Noah, “and you will find that the two lines are nearly identical.” Richard Freeman, a Harvard economist, has estimated that the decline of unions explains about 20 percent of the income gap.


For any type of commercial airconditioning repairs in Adelaide, get in touch with us, i.e. True Air Airconditioning Services. The reason why we are inviting you to contact only us is only we can understand the loss you might endure if this hindrance stays with you for a little longer. So, here you need not adjust anymore, call us now and see how quick we get over with this circumstance and let your business functions smoothly once again.


If you want to ensure that you stop paying interest, the best thing to do is to not use the card for a full billing cycle.  Calculating credit card interest with precision ahead of time is difficult, as how you use the card both in terms of how much and when is critical.


At every moving/yard/garage sale I have ever seen only cash is accepted. While the use of electronic payments is growing the big problem is that it is hard to verify the exchange at the time the goods are changing hands. Unless you have a card reader attached to your phone, you can't use a credit or debit card. Unless you can verify that they did transfer the money electronically why would you let them walk away with your stuff? If you knew them you could accept a check, but there are risks with the checks bouncing.


The idea of government is a good idea... the organism of Humanity coming together to pick a single unified direction for itself. It's kinda like how I like to think our cells evolved to work together in such a unified manner. We just are still working out the kinks in our systems. IT hasn't really taken hold yet, will be fun to see what a technocracy looks like... soon.


Banks will usually look at 2 years worth of tax returns for issuing business credit.  If those aren't available (for instance, for recently formed businesses), they will look at the personal returns of the owners. Unfortunately, it sounds like your friend is in the latter category. Bringing in another partner isn't necessarily going to help, either; with only two partners / owners, the bank would probably look at both owners' personal tax returns and credit histories.  It may be necessary to offer collateral. I'm sorry I can't offer any better solutions, but alternative funding such as personal loans from family & friends could be necessary.  Perhaps making them partners in exchange for capital.


This is a very good plan for our current fiscal situation.   The problem as I see it, is that the die-hard Tea Partiers who want to curb gov't spending, bristle whenever you add the DOD to the equation.   I also like the idea of giving those federal programs that would be better handled on the State level back to the States (ie HUD, Dept of Ed, ect...). You can still keep the cabinet level positions but allow them to sponsor and provide grants for research and advancements in those areas without attempting to micromanage them from Washington.


A computer is a special case because the IRS thinks that you might be using it for personal applications.    You may need to keep a log, or be able to state that you also have another computer for non-business use. That said, if your schedule C shows a small profit then you don't need to itemize expenses, just state the total.


Jobmaster Magnets has nearly 25 years of experience in designing and engineering magnets for a wide variety of electromechanical applications. Whenever clients are in demand and looking for something beyond what is available off the shelf, having desire for customized magnets. Jobmaster Magnets also has the necessary expertise and equipment to customize magnets according to client specifications.


If a market is efficient then risk/reward should be linear.  In simple markets like stocks and bonds, everyone thinks the same way and the risk/reward calculation is simple, so everyone can have an accurate idea of the risk/reward ratio, unless the company has serious undisclosed problems. But in other markets like derivatives and mortgage bonds, few people understand what they're buying so the risks remain hidden. Someone might think a company will do well, so they buy an derivative on that company. But no one understands risk/reward calculations on derivatives, so the risk/reward on the derivative could be way off the price on the derivative.


Judge this stock no differently than any other is the answer.  Optimism isn't fact. http://clarkhoward.com/liveweb/shownotes/2007/06/06/12304/?printer=1 Now because you get to buy extremely low, and sell for probably higher and you believe in the stock, I'd say go ahead and purchase the stock, manage it for taxes with the advice of your advisor and get your portfolio rebalanced as soon as you can.  That might admittedly be a year or more, but as you say you have time. Like any investment, don't spend money you can't lose.


Obviously you're missing that there is no house on the land so the cost comparison between a house and land isn't terribly valid.   The land might not have connections to the municipal sewage/power/electrical and may need zoning changes and permits for those connections.   You're missing that you don't know how to design and build a house so you'll need to hire people for those tasks; then live through the process, headaches, and probable budget overruns. Edit: You're also missing that lending for speculative land development is significantly different from lending for a single family home.


"Mortgage agreements usually have a clause in which the mortgagor warrants that all the statements and information which they have provided to the mortgagee are correct. In your case, this probably included your credit score. Since your ""statement"" concerning your credit score is no longer accurate, they want you to update the agreement with the new information before the final version is prepared. Credit scores change for many random reasons. The agencies re-calibrate formulas constantly. It is unlikely that your mortgage negotiations affected your credit score. The bank will only start reporting the facts of mortgage to a credit agency when you start paying (or not paying) the loan. Credit agencies don't care whether you have a loan or not. They only care whether you have paid your debts, or not paid them."


George Bush's first attorney general, 2000-2004, [held prayer meetings daily in the White House](http://www.aclu.org/religion-belief/ashcroft-holds-prayer-meetings-white-house).  According to many of his underlings, if you didn't go to them you didn't get privileges and maybe even promotions, although that was hard to prove.


The name of this type of investment is Capital Guaranteed Investment, and yes they do exist, some financial institutions do offer them from time to time and they can be better than putting money in the bank. Unlike what someone else said, your money is not is not locked for the five years. You can take out your investment at any time, but if you do take your money out before the term (5 years in your mother's case) the capital gurantee is void. So you would only withdrawal your money if the investment is currently in proffit, because if it is at a loss when you go to withdrawal, you get hit with the loss. In many cases you will get a third party, usually a large bank, being guarantor for the capital guarantee, and they in turn get paid for this obligation.


Is there any restriction to transfer fund from NRO to NRO There are no restrictions on transferring funds from NRO to another NRO account. Is there any tax deduction for that? This would depend on the purpose of the transfer. There is no tax on account of transfer of money. There may be tax to the other NRO account holder.


A long straddle using equity would be more akin to buying a triple leveraged ETF and an inverse triple leveraged ETF, only because one side will approach zero while the other can theoretically increase to infinity, in a short time span before time decay hits in. The reason your analogy fails is because the delta is 1.0 on both sides of your trade. At the money options, a necessary requirement for a straddle, have a delta of .5 There is an options strategy that uses in the money calls and puts with a delta closer to 1.0 to create an in the money strangle. I'm not sure if it is more similar to your strategy, an analogous options strategy would be better than yours as it would not share the potential for a margin call.


"Terrible service, apathetic staff, horrible managers, absurd prices, and last-in-line status compared to other comparable food joints.   The only good thing about bdubs is their sauce, and you can buy that for five dollars at the store and make your own food and not have to deal with their bullshit.   Literally had this conversation with my girlfriend last week:  Me: ""I want bdubs but it's wednesday and their wings are only even almost worth it on the tues/thurs specials.""  Her: ""Also we always leave there in a bad mood because of the terrible service.""  Me: ""Good point. Let's go to <local mom and pop burger joint>""  But no that's fine, blame millennials for your business model that has been dying for the past ten years. It's not your fault! The children are the ones who are wrong!"


Check cashing is not tax reportable. The way people pay income tax is by either withholding via an employer, self made payments, or when they file. Rather or not they cash their checks or where they do so has nothing to do with any of that.


A CD is guaranteed to pay its return on maturation.  So if you need a certain amount of money at a specific time in the future, the CD is a more reliable way of getting it.  The stock market might give you more money or less.  More is obviously OK.  Less is not if you're planning to pay basic expenses with it, e.g. food, rent, etc.   Most retirement portfolios will have a mix of investments.  Some securities (stocks and bonds), some guaranteed returns (CDs, treasuries), and some cash equivalents (money market, savings, and checking accounts).  Cash equivalents are good for short term expenses and an emergency fund.  Guaranteed returns are good for medium term expenses.  Securities are good for the long term.   Once retired, the general system is to maintain enough cash equivalents for the next few months of expenses and emergencies.  Then schedule CDs for the next few years so that you have a predictable amount.  Finally, keep the bulk of your wealth in securities.  As you get older, your potential emergencies increase and your need for savings decreases, so the mix shifts more and more to the cash equivalents and guaranteed returns and away from securities.   CDs have limited use prior to retirement (and the couple years right before retirement), mainly saving up for a large purchase like a house, car, or major appliance.  Even there if you have the option of delaying the purchase, that might allow you to use securities instead.  Perhaps some of your emergency fund in a short term CD that you keep rolling over.   Note that the problem isn't so much that securities will fall.  It's that they'll fall right when you need the money.  So rather than sell 1% of your securities to meet your needs, you have to sell 2%.  That's a dead weight loss of 1% that you have to deduct from your returns.  That roughly matches the drop from the height of 2007 to the trough of 2009 of the S&P 500.  And it was 2012 before it recovered.  If in 2007, you had put the 1% of your portfolio in a two-year CD, you'd be ahead even at zero interest in 2009.


"In it's current state, maybe not. The biggest issue with me is scheduling deliveries for perishable items. I don't plan ahead like ""Okay, tomorrow I'm going to Kroger between 5pm and 7pm to get groceries.""    We live in an age where the trend is ""I want what I want, I want it here, and I want it now.""  Depending on where you're at, grocery delivery doesn't always allow for that.   But imagine they perfect it to where you can decide between having Chinese delivered within an hour OR having a bag of groceries delivered within an hour (at an affordable price where the distribution costs are not price-prohibitive). To me at least, that would be the ideal scenario. It's getting closer especially in urban areas, but hasn't really been perfected/made consistent yet by any one delivery service."


"> Sure, it's more than 5 minutes to charge up a car. But that's offset by spending NO time waiting for the other 90% of your daily driving. Just plug in when you get home, and you've got a full ""tank"" of electricity every morning.  We aren't talking about it being an issue when you are home. Not sure how you got that idea.  The issue I had with it is long distances."


With non-GMO ingredients, health specs to meet and often a crazy hectic back of house/kitchen, I'm surprised they even stuck with it. I miss working there, but from what I'm told by former coworkers, the queso is a bigger hassle to make and serve than the chorizo. When I get back I hope to taste it and see if they made the right call.


"Lolol.   Is it ""survival of the fittest"" or ""arbitrary luck and randomness"" that fates today's worker? Make your mind up.   There isn't a political/social ideology ever that doesn't pair qualified people where they need to be. Really doesn't matter how passionate you are about being a doctor, if you are terrible at it, you can't be a doctor- this philosophy is not specific to ""evil, murdering capitalism"" it's consistent throughout. What you're talking about isn't a defined political or social ideology, it's Huggy-lovee-feefee Land."


"I'm working from 6am-2pm today (from home, since it's Saturday) and I'm on call from 2pm-4am tomorrow.  If the phone rings at our company help desk at any time from 2pm-4am, I am expected to answer it or return the call promptly.  I'm not paid for the entire time of 2pm-4am, but only for the time I'm ""on a call"" essentially.  It was a shock when I found out that was the terms of the job (3 months in, there were dramatic changes in my schedule) and most of my friends seem to agree with me.  Am I off base?"


If it were me, I'd be debt free today, Monday, at latest.  100K-(53K+31.2K) = 15.8K would be my bank balance by this afternoon. I am not sure why you would count 6K of your daughter's money as yours to use.  Either it is her money, or yours, not both. If you still want debt, which I think is silly, you might try to refi your home with a home equity loan.  That loan would be in first position, at a fixed rate, and for a fixed term.  Regions bank did some thing like this for a person with excellent credit and plenty of equity.  They got a 7 year loan at 2.6% when the prevailing interest rate on a 15 year was about a point higher.


"here's an all-too-common anecdote which gives me that impression:  Executive summaries, PowerPoint etc. have slowly made most leaders slow and ineffective at dealing with change. I worked in a company that was adamant to continue to produce a DSL modem/Wifi Router/In-Room movie service box as their next product that would be installed per room into a Dslam on site in hotels. When I tried to explain to them people are just going to download porn online, cat-5 and a few Wifi routers are 1/10th the price and a Dlam is a pain in the troubleshoot over the phone they just ignored me. Why? Well they said they had been with the company for far longer, seniority was their excuse to drive a company into the ground. They never gave me one technical or analytical reason why their monstrosity of a project was actually worth pursuing, the actually thought they knew more about technology than their engineers, technicians and tech support because they had been sitting in rooms listening about technology at maybe a 10th grade level for 30 years. Every one of them had business degrees, even the CTO but that is not too bad on its own. It was the fact that they had never ventured out of their academic discipline. Their book shelves, if they had any, were filled with popular management books, self-help guides and dieting books. Oh man, sorry for the long rant, I hated that place. TL;DR: Management in MBA-led technical companies after a certain amount of time imho just becomes a bunch of deluded, self-righteous good old boys that will drive your company like 60 year old drunk frat boys at the wheel of a school bus.  my background is in computational bio, which is close to economics math-wise.  Let me do a play-by-play takedown of those things, and their dependency on context.  1) communicating with stakeholders  How is this different from communication skills generally? stakeholders are not a homogenous group, so the statement is a derp.  2)negotiating goals  much like the first, this is some ""communications"" herpderp.  Key point is that understanding goal feasibility is dependent on experience with the system those goals measure, so this fake skill splits between expertise(as I mentioned) and bullshitting(aka ""communications"").  3)Developing a strategy   falls under expertise because it is most essential to understand technical feasibility.  You cannot delegate tasks well unless you  understand exactly how to perform those tasks.  4)**leading** an organization to accomplish said goals.  the first word made your definition recursive, sweetie"


While volume per trade is higher at the open and to a lesser extent at the close, the overall volume is actually lower, on average. Bid ask spreads are widest at the open and to a lesser extent at the close. Generally, bid ask spreads are inversely proportional to overall volumes. Why this is the case hasn't been sufficiently clearly answered by academia yet, but some theories are that


"Target Date Bond ETFs: Best or Worst Fixed Income Funds? references a product at least in terms of being a bond fund that exists, Target Date Bond ETFs.  While the article is a bit old as it came out 7 months ago, ""AMT Free Municipal Bonds by iShares"" would be the product to explore and see if the ticker exists. Shares Launches 2018 Muni Bond ETF may be the product you want assuming a 5 year time frame as the final date referenced in the article is Aug. 31, 2018 approximately.  Remember to do your own research but this would seem to be what you wanted."


"https://www.fool.com/investing/general/2013/07/30/2-types-of-risk-2-types-of-bubbles.aspx (mirror): The Wall Street Journal reviews: What Mr. Bernstein calls ""shallow risk"" is a temporary drop in an asset's market price; decades ago, the great investment analyst Benjamin Graham referred to such an interim decline as ""quotational loss."" ""Deep risk,"" on the other hand, is an irretrievable real loss of capital, meaning that after inflation you won't recover for decades -- if ever. So quotational loss = loss not explained by change of actual value of a firm."