I have found a good explanation here: http://www.contracts-for-difference.com/Financing-charge.html Financing is calculated by taking the overall position size, and multiplying it by (LIBOR + say 2%) and then dividing by 365 x the amount of days the position is open. For instance, the interest rate applicable for overnight long positions may be 6% or 0.06. To calculate how much it would cost you to hold a long position for X number of days you would need to make this 'pro rata' meaning that you would need to divide the 0.06 by 365 and multiply it by X days and then multiply this by the trade size. So for example, for a trade size of $20,000, held for 30 days, the interest cost would be about $98.6. It is important to note that due to financing, long positions held for extended periods can reduce returns.


Yes! You totally get it! I find the previous comment from the other to be the shinny example of what is wrong with the perception of working with an IT professional. Yes there are issues within this industry, but there are in every industry. Yet, the level of rudeness my employees receive from clients because they perceive us as an intrusion in their day is very draining. We're trying to help, tapping your shoes and sighing every 2 minutes that we're not done yet doesn't make the work go faster. One of my employees was screamed at by a manager of a client because their network was down. New to us client and their previous internal person basically used duct tape to assemble their network. We walked into a literal dumpster fire. What the manager didn't realize is that his managers weren't agreeing to what we proposed and there were over 200 emails back and forth between the talking heads before they would finally agree to the work that needed to be done. It was ridiculous.  Overall though I am glad I posted this quandary. It gave me some ideas that hopefully will be really good.


I called Bank of America today about the same problem on my account. The service representative said that part of money is available to me and I can use the money.


I’ve been in the mortgage business for nearly 15 years.  Your question is sort of multi-faceted and I’m surprised by some of these answers I’ve read! Anyway, I digress.   Yes, you can be denied even if you have money for a down payment.  One of the BIGGEST factors lenders are now required to take into account when approving mortgages now is a person’s “Ability to Repay.”   Whether your traditional mortgages like Conventional, FHA, USDA, or VA loans, or even an “in-house” mortgage from a local bank —either way, the lender MUST be able to verify someone’s ability to repay.   Your issue is that you won’t have any verifiable income until May.  A couple people have answered correctly in that 1) if you have a firm offer letter that can be verified with the employer, and 2) you can use your education/college to substitute for a two year work history as long as you’re graduating with and working in the same line of work. Some programs require proof of 30 days of pay history once you actually start earning paychecks; some programs will use the offer letter as long as you will start earning paychecks within a certain number of days after the note date (basically when the payments start). Also I’m making the assumption that there is some sort of credit history that can be verified.  Most lenders want at least a couple of accounts reporting a history just to show good use of credit and showing that you can manage your finances over a longer period of time. Just about every lender has some sort of minimum FICO score requirement.  I hope this helps. If you have questions, just reply in a comment.


She seems to be paying an inordinate amount of money for car payments. $850/month is just too high. She may be able to get by on public transit, depending on where she lives, but if not, she needs to look at selling her car and picking up a cheap second-hand vehicle. Public transit would probably save her $750/month. Going to a cheaper car should still save her $300 - $400/month. Next, phone and cable. These are certainly nice, but they are rarely necessities. I do not have cable t.v., for example. I do have a cell phone, and I do have Internet (a requirement of my job), but no cable t.v. She may be able to save some money there. My guess is that she could save $125/month here, though I may be biased on how much it costs to heat a Canadian home in our cold, cold winters. And, of course, the college payment. $900 - $1000 a month? I understand that she is paying this so that your sister can attend college. That's very nice, but it certainly sounds like your mother cannot afford that. On the other hand, if this is repayment of college expenses already incurred, there may be no choice here. Rent, at $1625/month. I have no idea what that gets you in NJ, but perhaps she could rent out a room. It's not inconceivable that she could bring in $1000/month from doing so, though obviously that's going to very much depend on the real estate/rental market where you live. Alternatively, she could move out and move in with someone else and that should certainly get her share of the rent down to $800 - $1000/month or thereabouts, and most likely cut her utility bills, also. I've identified a number of places where she can save money. No doubt, the budget is tight, but I think she's spending on far more than just bare essentials. One thing that concerns me here is that she appears to have no emergency funds and very little for entertainment, other than cable t.v. If at all possible, she needs to cut her budget down so that she is not living paycheque to paycheque and has money to cover, for example, emergency car repairs. And I'd really like to see her have more than $50/month for expenses (which I'm guessing is entertainment). It may not be possible, of course, but I would most definitely say she should not be paying for your sister's college if this places her in such dire financial risk. Easier said than done, of course. Most certainly, I would not even consider cutting the health insurance, by the way. Another approach would be to look at how her expenses will go down when your sister is done school and perhaps cleared up other expenses. It may be worth borrowing from family and friends, knowing that in a year, her expenses will go down $500/month. That makes her budget manageable. Additionally, the debt repayment presumably will finish at some point. The point I'm trying to make is that, in a year, her budget will be just about manageable, and she may be able to get there with smaller trims in the immediate future.


"Amazon has some major issues with growing out in Seattle, primarily infrastructure and geography. Seattle's infrastructure is stretched, leading to some hilarious activity - ""http://kuow.org/post/seattle-traffic-got-so-bad-guy-started-flying-work"". Also, Seattle is locked between the sea and the mountains, and with a limited supply of land, there isn't anywhere to build economically. NO ROOM TO GROW.  Ontario has a few good things going for it: Healthcare, Immigration, Low corporate taxes, Education...   But there are also some elephants.   Ontario has some of the highest land costs in the world, longest commute times on the planet, and a government which will inevitably need to raise taxes.  If I had to bet, we'll probably see Amazon set up shop in a City with low land costs, ring roads, and a low debt government. A place with room to grow.   Raleigh/Durham Dallas-Fort Worth Denver Minneapolis Salt Lake City Cincinnati"


"The fact that your shares are of a Canadian-listed corporation (as indicated in your comment reply) and that you are located in the United States (as indicated in your bio) is highly relevant to answering the question. The restriction for needing to be a ""qualified institutional buyer"" (QIB) arises from the parent company not having registered the spin-off company rights [options] or shares (yet?) for sale in the United States. Shares sold in the U.S. must either be registered with the SEC or qualify for some exemption. See SEC Fast Answers - Securities Act Rule 144. Quoting: Selling restricted or control securities in the marketplace can be a   complicated process. This is because the sales are so close to the   interests of the issuing company that the law might require them to be   registered. Under Section 5 of the Securities Act of 1933, all offers   and sales of securities must be registered with the SEC or qualify for   some exemption from the registration requirements. [...] There are regulations to follow and costs involved in such registration. Perhaps the rights [options] themselves won't ever be registered (as they have a very limited lifetime), while the listed shares might be? You could contact investor relations at the parent company for more detail. (If I guessed the company correctly, there's detail in this press release. Search the text for ""United States"".)"


> I shorted it the moment it opened for trading at $42 dollars a share.  Now this is a shady part of the capital markets and the preferred treatment some investors get. Technically, you shouldn't be able to short stocks until 3 days after it starts trading because the trades don't settle for three days and only then should you be able to borrow the stock. But, big brokers and banks can cover managers they have good relations with and let them borrow the shares to short it.


They are mutually exclusive.  Provided you meet the income limits you can contribute to both.  Employer match do not count toward the 18K.   On the other hand traditional IRA and Roth IRA are inclusive.  So if single and making having a MAGI under 118K, you could do the 18K of your own money into a 401(k), and $5,500 into a Roth. You can put in $23,500 of your own money with the employer match on top of that.


This article gives the very good advice to simply contact one of the schools in question and ask how to apply for financial aid as an international applicant.  Most Ivy League schools admit so many international students that they will have answers to any financial question you can imagine.  They may even already explain the financial aid process online.


I worked at Autozone many years. Many crappy parts had lifetime warranties and helped us grow. Sometimes one year warranty parts from NAPA were better. THE WARRANTY WAS A MARKETING SCHEME.   Hyundai can not possibly feature the reliability of Toyota who has been continually improving since WWII.  I drove the first Hyundai, the Excel in 1986. They have improved a lot. The look is great, The warranty is great. The marketing is 24/7/365.Impressive.


I don't think asking a business to pay living wages is as cold as a business paying unlivable wages for work that keeps their business afloat. A business that is only profitable because they pay shit really shouldn't exist in the US.   Look I'm not about destroying jobs- but I am about someone who works 40 hour weeks making enough money to reasonably cover their expenses without government assistance. That simply isn't the case with the min wage where it is now.   It is insane to put the people who are creating businesses that can't exist without unfair wages above the interests of people who don't have the advantages necessary (for whatever reason) to land a non-min wage job.   Maybe with the change to higher wages the gov *would* be forcing barely profitable businesses to become unprofitable, but if you are willing to say that then it would be fair to say that the current min wage is mandating everyone who works a minimum wage (full time!) job into literal poverty.   And how would a massive population that is suddenly flush with spending money NOT invigorate the economy? People spending money is good. That is why a big healthy middle class is so good for a country to have. Let people who can pay fair wages pay them, let everyone else come up with a business plan that doesn't hinge on unfair wages, ffs. Min wage has been raised before and actual studies have suggested time and time again that the benefit outweighs the short term loss of employment.   Tl;dr We cannot put needs of business owners ahead of needs of the people working for them. That creates a massively unstable & unequal society.


A family of three is dad, mom and kid, not dad, mom and three kids.  Also, a Mercedes isn't a need nor are people at the poverty level even considering it.  You can't compare a Mercedes on a lease to basic needs such as shelter, food and clothing.


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"I firmly believe in ""the acorn that becomes the oak tree"" - treating people with respect isn't simply the right thing to do, it's good business. Everyone has to start somewhere.   I'm very competitive as well as empathetic; there is room for both traits in finance."


I remember like 20 years ago someone did an experiment where Peter Lynch, elementary school kids, and an ape, all picked stocks in a situation similar to this. The result was almost the same, with the elementary school kids coming out slightly better  Picking correct stocks is a craps shoot, as the market is an emotional entity, and in the short run, even educated guesses don't give an edge. People like Peter Lynch eventually win of course because of discipline, long term goals, and knowledge of tools like derivatives


There's no reason why you couldn't have your work withhold the money for you, but you have to keep a close eye on it an file paperwork causing extra work for yourself and the payroll department. You also have that money withheld weekly instead of keeping access to the money until the end of the quarter if you paid directly to the treasury.


Isn't the premise a bit off?  A *single* minimum wage worker can't afford a *two bedroom* apartment?  What about two earners sharing a one bedroom apartment?  That would make much more sense both for the workers and for housing costs in general.  My wife and I both make much more than minimum wage and we simply choose to live in a one bedroom apartment.  We get to save a lot more and plan for our future.  A two bedroom apartment is a luxury for a single person, not a necessity.  That's like saying he can't afford a brand new Ford F150 either.  No shit.  Live below your means and you life will be much better in the long run.


Yes, use a separate Form 8829 for each home used for business during the year. The top of 8829 includes that exact instruction.


The US did fine VW a *lot* more than anyone in Europe. Couldn't tell you who's the worse offender but frankly, laws are different in both places so different things get punished with different severity. Europe happens to be very keen on making sure competition stays possible.


"So you take enjoyment from people's financial stress and anguish?  You work for a company, those ""smug"" sounding people aren't personally fucking challenging you at your fucking job, they are trying to ease some financial stress which is very obvious over a 2$ discrepancy.  I sincerely doubt anyone calls 5 times to complain about a service they rarely pay for.   You sir a condescending cunt trying to get fake points on the interwebs."


"This is the meat of your potato question. The rephrasing of the question to a lending/real estate executive such as myself, I'd ask, what's the scenario? ""I would say you're looking for an Owner Occupied, Super Jumbo Loan with 20% Down or $360K down on the purchase price, $1.8 mil purchase price, Loan Amount is ~$1.45 mil. Fico is strong (assumption). If this is your scenario, please see image. Yellow is important, more debt increases your backend-DTI which is not good for the deal. As long as it's less than 35%, you're okay.  Can someone do this loan, the short answer is yes. It's smart that you want to keep more cash on hand. Which is understandable, if the price of the property declines, you've lost your shirt and your down payment, then it will take close to 10 years to recover your down. Consider that you are buying at a peak in real estate prices. Prices can't go up more than they are now. Consider that properties peaked in 2006, cooled in 2007, and crashed in 2008. Properties declined for more than 25-45% in 2008; regardless of your reasons of not wanting to come to the full 40% down, it's a bit smarter to hold on to cash for other investments purposes. Just incase a recession does hit.  In the end, if you do the deal-You'll pay more in points, a higher rate compared to the 40% down scenario, the origination fee would increase slightly but you'll keep your money on hand to invest elsewhere, perhaps some units that can help with the cashflow of your home. I've highlighted in yellow what the most important factors that will be affected on a lower down payment. If your debt is low or zero, and income is as high as the scenario, with a fico score of at least 680, you can do the deal all day long. These deals are not uncommon in today's market. Rate will vary. Don't pay attention to the rate, the rate will fluctuate based on many variables, but it's a high figure to give you an idea on total cost and monthly payment for qualification purposes, also to look at the DTI requirement for cash/debt.  See Image below:"


Offers usually have an expiration deadline. As long as the signed offer is returned by the seller to the potential buyer before the expiration - it is a valid contract. The fact that the seller countered and his counter-offer wasn't accepted is irrelevant. The buyer can void the offer, as long as it is not yet accepted, by notifying the seller in writing that the offer is null and void. I'm not a lawyer, you should ask your real-estate attorney to be sure, but that is my understanding of the contract law.


@MichaelBorgwardt gave an excellent answer. Let me add a little analogy here that might help. Suppose you bought a car from Joe's Auto Sales. You pay your money, do all the paperwork, and drive your car home. The next day Joe's goes bankrupt. What affect does that have on your ownership rights to your car? The answer is, Absolutely none. Same thing with stocks and a stock exchange. A stock exchange is basically just a store where you can buy stock. Once you buy it, it's yours. That said, there could potentially be a problem with record keeping. If you bought a car from Joe's Auto Sales, and Joe went out of business before sending the registration paperwork to the state, you might find that the state has no record that you legally own the car and you could have difficulty proving it. Likewise if a stock exchange went out of business without getting all their records properly updated, their might be an issue. Actually I think the bigger concern here for most folks would be their broker and not the stock exchange, as your broker is the one who keeps the records of what stocks you own long term. In practice, though, most companies are responsible enough to clean up their paperwork properly when they go out of business, and if they don't, a successor company or government regulators or someone will try to clean it all up.


It is the most incorrect piece of the article, but it's not the lack of taxes that have allowed the wealthy to do better than the rest of us. You can argue for the seizure of their assets by the gov't - through taxes - as a way to take it from them. But the Fed's monetary policies are far more severe in how they impact inequality.


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I also recently did that. I buy my own software, buy my own computer accessories. I'll use my own laptop. I could bring in my own chair.   Creature comforts don't mean dick when you make 40% more than a salaried employee. Enjoy your 1000 bucks of perks, guys. That's how much more I'll take home every 2 weeks.


VAT is charged to consumers and passed on to the Government. Income tax is paid by the employees. Corporate tax on income is the true tax on corporate value add, which isn't reflected in this practice.   That being said, there is nothing unique or illegal to what Starbucks is doing, pretty much all global corporations have entities setup for the exclusive purpose of licensing IP/brands. The entity just needs to demonstrate an arm's length in transactions.


The cost of an extra 30 days is $1459.80


At time = 0, no interest has accrued. That's normal. And the first payment is due after a month, when there's a month's interest and a bit of principal due.  Note - I missed weekly payments. You'd have to account for this manually, add a month's interest, then calculate based on weekly payments.


Its really odd to see Op's story coming in at virtually the same time as this one - its like the market cant make up its mind...  https://www.thestreet.com/story/14263133/1/disney-set-for-sharply-lower-open-after-iger-reveals-big-bet-on-media-group-s-future.html  >>Disney Shares Are Being Pounded After Iger Reveals Big Bet on Media Giant's Future


Is that indicator can only be used for short-term trade? First of all, indicator works perfect during trends and oscillator works perfectly in the range market(or flat market). So, indicator can be used for long term, as well as short term. I mean if it is a range market, using this or any other indicator will not help much, so it you should consider market direction first. If it can be used to long-term trade, is there something I need to change from the parameters used? like, only using SMMA(5,8,13)? The parameters are there to change them. Of course you can change them based on your trading style. Considering my statement above does not mean that trading is very easy. I never use indicators alone to make trading decisions. It is always good to use oscillator to filter out bad trading signals.


Why would I pay for overpriced, shit food when I can buy something better from the grocery store for much less, AND eat in the comfort of my own home?  Also, competition in the restaurant industry is fierce. Places like BWW are outdated as hell when you consider the amount of variety that exists now.


">> Did President Trump...then come out saying he now opposed Medicare doing so?  > Yes. So he said that.  Great, I wasn't sure we could find agreement there.  > Did he ACT to make it so? Maybe, as usual, he's playing business chess...  That argument cuts both ways.  Maybe this is part of his master plan to get Medicare Part-D to negotiate drug prices, but maybe this is part of his master plan to maximize pharmaceutical company profit.  At the end of the day you have to judge a person on what he says and what he appears to do.  >> Has President Trump...prepare for the upcoming problems caused by global warming?  > Absolutely not! Absolutely not!  I agree.  > President Trump is not against any method or measure to reduce pollution or emission.  [Global warming is a serious risk to this country](https://www.americansecurityproject.org/climate-security/).  Given that it is President Trump's job to protect the country, a position of bring ""not against emission reductions"" doesn't cut it.   Thanks for answering my questions.  From your earlier replies I wasn't sure you understood how someone might see my issues as reflective of a president who is not working in the best interests of his people.  Of course you can disagree but you're not going to change my mind by dismissing what I see as tests of character and asking me to provide another.  > I am not happy with everything he said or do before and after the elections.  That's great.  Like and dislike him for your own reasons and challenge both perspectives."


Is my financial status OK?  You have money for emergencies in the bank, you spend less than you earn. Yes, your status is okay. You will have a good standard of living if nothing changes from your status quo. How can I improve it? You are probably paying more in taxes than you would if you made a few changes. If you max out tax advantaged retirement accounts that would reduce the up-front taxes you are paying on your savings. Is now a right time for me to see a financial advisor?  The best time to see a financial advisor is any time that your situation changes. New job? Getting married? Having a child? Got a big promotion or raise? Suddenly thinking about buying a house? Is it worth the money? How would she/he help me? If you pick an advisor who has incentive to help you rather than just pad his/her own pockets with commissions, then the advice is usually worth the money. If there is someone whose time is already paid for, that may be better.  For example, if you get an accountant to help you with your taxes and ask him/her how to best reduce your taxes the next year, the advice is already paid-for in the fee you for the tax help. An advisor should help you minimize the high taxes you are almost certainly paying as a single earner, and minimize the stealth taxes you are paying in inflation (on that $100k sitting in the bank).


Well first problem is usually that you are trying to do too much, you end up micro managing, once a company becomes large enough this is impossible to keep doing at the same level.   If you find that you don't have enough time maybe it's time to either hire someone new, or promote/transfer someone. You need to trust and give freedom to your employees to do their job in their own way which may or may not be better than yours. (Communicate with each at intervals.)   A lot of business owners struggle with this because it costs them money, and that is wrong it's cost your company money which is a separate entity than you. A piece of property that makes you less money than the week before is still making you money you are not losing money. So get that out of your head, it's not your money until you take it out of the business until then that money including profits are the property of the business (this is how the law see it by the way.)   Marginally an understaffed store will make a larger percentage of profits from revenue, a well staffed store will make more actual profits from more actual revenue because it can handle the business coming into the store better, which in turns should lead to more business. On a particular day you may see more money in profit from an understaffed store, someone calls out let's say,  but trust me when I say that will not continue for very long.   On of the biggest challenges new business owners face is they are fugal, as in they don't spend the money they need to. This means buying new equipment, and hiring and giving raises and promotions, so you can handle new business as well. Let say you are making T-Shirts, or really adding new designs to pre-made plain shirts, you can only press one at a time which for a while is enough, but eventually you are going to need another press so you can do 2 at a time, but a lot business owners will somehow expect an employee to produce more with what he has, now orders aren't being filed and you are in a panic and possibly angry but guess what you are angry at the employee not the fact you were to stupid to realize that he needs 2 presses to do the job correctly that's your own fault and you're blind to it, because you feel as if you are working twice as hard than them because of the problem you created! And let's say the problem is different now the press isn't getting hot enough and it take 20% per shirt to get it to stay on correctly and you decide to never fix it, then a light goes out then blank then blank and suddenly you realize finally all of this needs to be replaced at the same time. I've seen things like this happen, in new and old businesses things work fine for the first 5 years then normal maintenance is forgotten, have a depreciation fund ready so it doesn't feel like you are spending any money, that's what that fund is for and you put into it from the beginning, need a $2k equipment, ohh I have $4k saved for this already, it was money intended to be spent on this.   But of course some of this is going to depend on the type of business you are running! And since you have provided us no details I can't give an answer for you because all businesses are different, but I feel that these things, refusing to give freedom and authority to other employees, and refusing to spend money when needed are the biggest pitfalls most business owners fall into.


It depends on what stocks you invest in or whether you invest in an index, as all stocks are not created equally. If you prefer to invest directly into individual stocks and you choose ones that are financially health and trending upwards, you should be able to easily outperform any indexes and get your 30% return much quicker. But you always need to make sure that you have a stop loss placed on all of your stocks, because even the best performing companies can go through bad patches. The stop loss prevents you from losing all your capital if the share price suddenly starts going south and turns into a downtrend.


"Congratulations!  It sounds like you're off to a good start.  Establishing credit history and starting a Roth IRA now and getting some investment in at this point is likely to save you a great deal later on.  A good way to diversify investments in a Roth IRA is to use ETFs, especially index funds, which bundle a whole bunch of diverse investments together into one symbol that you can get into with a single transaction fee (""commission"").  As a small piece of advice, if there's inaccurate information on that credit card (e.g. balances due and payments made) showing up on your credit report, don't ask the credit bureaus to correct that data as long as the rest of the information shows generally good standing - they'll just remove the whole thing.   If you have the discipline to pay off your credit card balance in full every month, and view credit card purchases as electronically spending cash, you could consider applying for a credit card of your own to help build that credit history further.   Also, welcome to this site; feel free to check it out as you learn more. Planet Money might also have some interesting ways to learn about these topics.  Finally, don't forget to regularly let your parents know how much you appreciate all they're doing for you. :-)"


Pretty confident that Netflix gives its content partners insight into viewing metrics of their content...how detailed and to what extent that includes is up for date.    But yeah data ownership is about it, but I doubt Netflix has the power or lack of foresight to not give any insight to content providers about their viewership performance..


Thing is, it's not exceptions we're talking about, it's the rule. This 1 million average is skewed due to top 4-5% students who go on and become top executives and earn hundreds of billions of dollars in their lifetimes, while 90% of the rest do not justify the investment in their overpriced education. 90% are not the exception, *they* are the rule.   Plus, the examples I gave are based on rough calculations, and anyone can play with their specific numbers. Even then, it's already hard to see how huge differentials you must reach to pay for your investment. You can look at university sites for hard data - for MBA average starting salary goes from 140K before to 149K after, at one university I looked to apply for. These 9K are nice,  esp. for a 1 year of income forgone, but then again, 80K tuition is also not something you come across easy, most likely you need to calculate interest as well on those. + living expenses, books.   The mind-boggling thing for me is that people going into universities do it just automatically, just because that's what they think they should do. They don't even do a back of the envelope calculation if it's worth it. That's what more surprising and worrying for me, to be honest.


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First, before we talk about anything having to do with the credit score, we need the disclaimer that the exact credit score formulas are proprietary secrets that have not been revealed.  Therefore, all we have to go on are broad generalities that FICO has given us. That having been said, the credit card debt utilization portion of your score generally has at least two components: an overall utilization, and a per-card utilization. Your overall utilization is taken by adding up all your credit card debt and all your credit limits and dividing.  Using your numbers above, you are sitting at about 95%.  The per-card utilization is the individual utilization of each card.  Your five cards range in utilization from 69% to 100%. Paying one card over another has no affect on your overall utilization, but obviously will change the per-card utilization of the one you pay first.  So, to your question: Is it better on the credit score to have one low-util card and one high-util card, or to have two medium-util cards?  I haven't read anything that definitively answers this question. Here is my advice to you: The big problem you have is the debt, not the credit score.  Your credit card debt should be treated like an emergency that needs to be taken care of as quickly as you possibly can.  Instead of trying to optimize your credit score, you should be trying to minimize the number of days until all of your credit cards are completely paid off.  The credit score will take care of itself once you get your financial situation back on track. There is debate about the order in which one should pay off their debts, but the fact of the matter is that the order is not as significant as the intensity at which you pay them all off.  Dedicate yourself to getting rid of the debts as fast as possible, and it won't matter much which order they get paid off in. Finally, to answer your question, I recommend that you attack the card debt one at a time instead of trying to pay them off evenly.  Not because it will optimize your credit score, but because it will help you focus your debt-reduction energy as you work on resolving your debt emergency.  Fortunately, the credit utilization portion of the credit score has no history, so once you pay all of these off, the utilization portion of your score will get better immediately, and the path you took to get there will be irrelevant. After the credit cards are completely paid off, and you have resolved never to spend money that you don't have again, it is time to work on the student loans....


I live in one of the highest cost of living areas in my country.  For the cost of less than half the down payment my spouse and I have saved up for a house we could easily buy a home in most of the lower cost of living areas (and several homes in, say, Detroit). As for the rest of your question, though, we've chosen not to live that way.  Because, like all high cost of living areas, ours is near a city there are more free and inexpensive things to do than you would think at first.  While others in our area think a great time is pre-gaming drinks at a nice bar, an expensive restaurant, then some more drinks we've taught ourselves how to make great meals from scratch using sale and inexpensive ingredients from the grocery store and often do that on weekends, topped off by a movie from the redbox that we promptly return the next day.  We have chosen friends who will hang out with us over potluck dinners and board games instead of out on the town.  On weekend days we visit free museums, do hikes, wander around revitalized downtown strips, or play at the local parks.  Our groceries, as I mentioned, are sale items or use coupons and we go for less expensive meats and produce.  We visit our local farmer's market for fun, not to buy the expensive produce.  We might find ourselves wandering through the mall to window shop, but when it comes time to actually buy clothing or goods for the apartment we shop around for up to months to find a good deal. Plenty of our friends have money enough to spend, and the most debt they are usually wallowing in is a big car payment, no consumer debt.  At the same time I have trouble imagining some of them buying a house any time soon, because they simply can't be saving all that much (since I know their incomes).  They may eventually be able to afford a condo and ride rising housing prices to a townhome and then a house - it's what lots of people do around here, loosing buckets money in realtor fees and closing costs along the way.  Even with these choices, it's hard to view my friends as selfish knowing that most of them give around 10% of their income to charity. There are probably plenty of people around here swimming in debt (somebody recently asked in a Q&A with the local paper editors how she could stop going to the city's most expensive restaurants and start living within her means when she only liked expensive places), but lots of folks can stretch themselves and afford to get by while wasting a lot of money.  It's not what my spouse and I have chosen to do, because we want to be able to live very responsibly and plan for a rainy day, but the longer you live with and around the money that tends to permeate high cost of living areas, the more it will seem normal to you. Also, if it's really $1000/mo for a 2 br. apartment, your cost of living is still lower than mine is. If I were you I wouldn't try to acclimate myself to the spendy habits of your surroundings.  Instead I'd find friends who are frugal and work on maintaining your good financial habits.  If you ever want one of those $4, $5, or $6K (plus!) houses, you're going to need them.


House as investment is not a good idea. Besides the obvious calculations don't forget the property tax, home maintenance costs and time, insurance costs, etc. There are a lot of hidden drains on the investment value of the house; most especially the time that you have to invest in maintaining it. On the other hand, if you plan on staying in the area, having children, pets or like do home improvements, landscaping, gardening, auto repair, wood/metal shopping then a house might be useful to you. Also consider the housing market where you are. This gets a bit more difficult to calculate but if you have a high-demand rental market then the house might make sense as an investment if you can rent it out for more than your monthly cost (including all of those factors above). But being a landlord is not for everyone. Again more of your time invested into the house, you have to be prepared to go months without renting it, you may have to deal with crazy people that will totally trash your house and threaten you if you complain, and you may need to part with some of the rent to a management company if you need their skills or time. It sounds like you are just not that interested right now. That's fine. Don't rush. Invest your money some other way (i.e.: the stock market). More than likely when you are ready for a house, or to bail your family out of trouble (if that's what you choose to do), you'll have even more assets to do either with.


You don't have to use an agent (broker, as you call it), but it is strongly advised. In some counties lawyers are required, in some not. Check your local requirements. Similarly the escrow companies that usually deal with recording and disbursing of money. You will probably not be able to get a title insurance without using an escrow service (I'm guessing here, but it makes sense to me). You will not be able to secure financing through a bank or a mortgage broker without an escrow company, and it might be hard without an agent. Agents required by law to know all the details of the process, and they can guide you through what to do and what to look into. They have experience reading and understanding the inspection reports, they know what to demand from the seller (disclosures, information, etc), they know how and from where to get the HOA docs and disclosures, and can help you negotiate the price knowing the market information (comparable sales, comparable listings, list vs sales statistics, etc). It is hard to do all that alone, but if you do - you should definitely get a discount over the market price of the property of about 5% (the agents' fees are up to 5% mostly). I bought several properties in California and in other states, and I wouldn't do it without an agent on my side. But if you trust the other side entirely and willing to take the risk of missing a step and having problems later with title, mortgage, insurance or resale, then you can definitely save some money and do it without an agent, and there are people doing that.


You will need to buy a stock before the ex-dividend date to receive the dividends. You can sell a stock on the ex-dividend date or after and you will receive the dividends. So if the ex-dividend date is the 5th August, you need to buy before the 5th and you can sell on the 5th or after, to receive the dividends. Definitions from the ASX: Record date The Record Date is 5.00pm on the date a company closes its share   register to determine which shareholders are entitled to receive   the current dividend.  It is the date where all changes to   registration details must be finalised.   Ex dividend date The ex dividend date occurs two business days before the company's   Record Date. To be entitled to a dividend a shareholder must have   purchased the shares before the ex dividend date. If you purchase   shares on or after that date, the previous owner of the shares (and   not you) is entitled to the dividend. A company's share price may move up as the ex dividend date approaches   and then fall after the ex dividend date.


I agree with the principles, but the reality is far different on the ground. We are still moving further and further into hard skills for recruiting, because that is all HR drones know how to do. If we want more well rounded people, we need to change the way we evaluate people, rather than just looking for boxes to check. Unfortunately I suspect the vast majority of these phantom liberal arts jobs will simply be filled by cherry picked Ivy leaguers and those with the right connections, because that is basically how it is done now.


We rarely do them where they go beyond 100m one way.  When we do we get a single charge in the middle and go 300m.  If we were going any further then a few more stops don't bother me...especially with noisy kids.  There was one time we picked up a 1-day rental for $20 to go into the mountains where there were no chargers (and dirty bumpy etc).  Good thing, popped a tire on the rental :). For the extremely adventurous maybe you want something else.  For most others it works out really well.


You bought 1 share of Google at $67.05 while it has a current trading price of $1204.11. Now, if you bought a widget for under $70 and it currently sells for over $1200 that is quite the increase, no? Be careful of what prices you enter into a portfolio tool as some people may be able to use options to have a strike price different than the current trading price by a sizable difference. Take the gain of $1122.06 on an initial cost of $82.05 for seeing where the 1367% is coming. User error on the portfolio will lead to misleading statistics I think as you meant to put in something else, right?


"No offense but how is it inspiring given it took the socialization of risk markets (bailouts, tens of trillions in liability guarantees, wholesale changes in mark-to-market accounting rules, QE which continues to this day) and undermining of our judicial process (pretending no fraud was truly prosecutable) - all to the outsized benefit of the ultimate insider and anti-competition specialist Buffett?  I traded before, during and after the crisis and any of my losses were 100% my own while guys down the Avenue had their bonuses guaranteed by TARP and I am supposed to be inspired?  Buffett sure did ""bet on America"", it just isn't what most people like to think it is."


Your risk management process can be as simple or as complex as you choose to make it, but there are five key elements you should concentrate on getting right to ensure effectiveness. Get these wrong and the rest of the exercise is a waste of time.


Lehman Brothers and Bear Stearns failed before there ever was such a thing as a Systemically Important Financial Institution (SIFI).  OP's article and the study that it is based on are referring quite specifically to SIFI's, not every bank in American history.


"I was talking to a hiring manager friend the other day and he's telling me he can't find anyone with experience in this specific steel testing software. I asked about it, apparently it was made for only in company use, completely proprietary and custom for their operations and he's scratching his head about why these young metallurgists straight out of college don't know about this testing software and how it's used and that they are ""completely useless for the role"". Jesus fucking Christ, those are smart kids they can figure out how to click the buttons in the software give them a chance."


As someone in the very same position as you here is what I suggest: Have $1,000 for each possible large expense you currently have. For example, house, car, pregnant wife, etc. As someone who only has a car (living at home still) I only have $1,000 in my eFund (emergency fund). The ABSOLUTE rest of my money goes to paying off the loans as soon as possible. I mean ever single dollar. There is no point for investing unless you have a really good return on investment. I am not too sure how common returns of 6.8% are, but that seems above average. If in fact you're just stashing it in a bank account at ~1%, you're doing it wrong.  Getting out of debt is not only just about the financial benefits but the emotional benefits too. It feels really nice to not owe anybody anything.  Good luck man!    P.S. Try using a tracker like ReadytoZero to show how much you're losing a day by remaining in debt. This will better help you understand if your investments are making you money or losing your money.


">I do have to say, that this is certainly not an influence of ""creeping socialism"" but rather ""creeping corporate welfare-ism""   No there is definitely an aspect of using ""socialistic"" concepts/memes here (is it in an utterly misleading and false manner, yes... but it's still there nonetheless).  >if socialism was the culprit, we'd be actually doing something to alleviate the suffering of babies and kittens. as it stands, we are just contributing to outrageous corporate bonuses.   ???"


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There are dividend newsletters that aggregate dividend information for interested investors.  Other than specialized publications, the best sources for info are, in my opinion:


People over 20 should only work 3 days. What the fuck are we going to do about? Fucking dumbass experts instead of scratching your asses and sniffing each other's buttholes, why don't you do something so we don't have to work into our 60's.


"It looks like these types of companies have to disclose the health of their accounts to CFTC (Commodity Futures Trading Commission). That is the gist I get at least from this article about the traders that lost money due to the Swiss removing the franc’s cap against the euro. The article says about the U.S. retail FOREX brokerage: Most of FXCM’s retail clients lost money in 2014, according to the company’s disclosures mandated by the CFTC. The percentage of losing accounts climbed from 67 percent in the first and second quarters to 68 percent in the third quarter and 70 percent in the fourth quarter. Side note: The Swiss National Bank abandoned the cap on the currency's value against the euro in mid-January 2015. But above paragraph provides data on FXCM’s retail clients in 2014. It could consequently be concluded that, even without ""freak events"" (such as Switzerland removing the franc cap), it is more likely for an investor to NOT make a profit on the FOREX market. This is also in line with what ""sdfasdf"" and ""Dario Fumagalli"" say in their answers."


"This rent seeking attitude of the crony capitalists fits hand in glove with the Republican desire to govern without actually representing the populace, and so the gerrymandering problem just keeps getting worse: They want all the benefits without the work or responsibility. [Noblise oblige](https://en.wikipedia.org/wiki/Noblesse_oblige) devolved into societal piracy with a hearty dose of capitalistic cannibalism on the side. So this is Reagan's [Morning in America](https://en.wikipedia.org/wiki/Morning_in_America) in full flower -- how sweet it isn't.  As for the Democrats, they are trying to compete with the GOP as the party of the top ten percent, the rest of the country be damned. The bad news for them is that this is the same problem any one wanting to take over a mature market faces: High costs over long periods of time for small results. And bugger the fact that we neither need nor want another right-wing party, and especially not a right-wing-lite party.  Perhaps what is really wrong with the U.S. these days is that our ""elite"" governing class needs a substantial [dose of nostalgia.](https://en.wikipedia.org/wiki/French_Revolution)"


Well, whats the source of income from?  Social security?  Dividends?  At 40k that's the good thing about a progressive tax, you wouldn't be taxed heavily.  Even 40k of capital gains, which lets be honest is mostly high income individuals, is barely taxed at a higher level than that 40,000k from a fixed income source. Again, that's the gain (aka profit) one is receiving from selling shares of a company.


I am not a lawyer.  I do however own an LLC. It's setup as a partnership with 50/50 ownership.  You can do it as a sole proprietorship.    In basic terms, if you separate your money and assets from the money and assets of the company then you are personally immune from lawsuit and thus your personal assets are safe.  You have to set it up right (fairly cheap) and keep the records right (ie never mix personal and company assets ) but it provides a nice legal buffer and in some cases tax benefits.    Do not construe this as legal or accountanting advice.  Speak with pros to understand and get it set up right.  But it's worth it.


Don't worry. The Cyprus situation could only occur because those banks were paying interest rates well above EU market rates, and the government did not tax them at all. Even the one-time 6.75% tax discussed is comparable to e.g. Germany and the Netherlands, if you average over the last 5 years. The simple solution is to just spread your money over multiple banks, with assets at each bank staying below EUR 100.000. There are more than 100 banks large enough that they'll come under ECB supervision this year; you'd be able to squirrel away over 10 million there. (Each branch of the Dutch Rabobank is insured individually, so you could even save 14 million there alone, and they're collectively AAA-rated.) Additionally, those savings will then be backed by more than 10 governments, many of which are still AAA-rated.  Once you have to worry about those limits, you should really talk to an independent advisor. Investing in AAA government bonds is also pretty safe. The examples given by littleadv all involve known risky bonds. E.g. Argentina was on a credit watch, and paying 16% interest rates.


Sorry, but it doesn't make sense to convert to USD when you can find the actual price of gas easily.  Maybe I should have just stuck with EU prices since the article was EU-based.  1,15/L inflated by 1% every year ends up at 1,27/L after 10 years.


I think you are addressing it the wrong way around. Insurance - in its basic idea - is supposed to protect you from exceptional and potentially life-changing financial situations; not from day-to-day cost. That means that covering the first 1000 $ is pretty much useless; for any serious sickness the insurance would be without merit. For example, it makes sense to insure your house against fire; the premium is small compared to the potential damage, which works because the chance of a fire is also small. If you extend a fire insurance to cover dropped glasses, or broken TV sets, it becomes quickly a bad idea - chances for these events are higher, so insurance cost go up (and the events are easier to fake too). Insurance should cover the large damage with low risk, never the small damage with more risk. The only reason the latter exist is that people don't understand it, and insurances make money on it, so they offer it. Apply this to your insurance idea, and the right way would be: Pay 50 $ to cover any cost over 10000 $; Pay 100$ to cover any cost over 5000 $; Pay 200 $ to cover any cost over 2500 $; And so on (all numbers are taken from thin air as an example). I would love if there is an relatively cheap insurance that covers anything above 10000 $ (or even a higher threshold); they don't exist because there is not enough money to make for insurance companies.


"All transactions within an IRA are irrelevant as far as the taxation of the  distributions from the IRA are concerned. You can only take cash from an IRA, and a (cash) distribution from a Traditional IRA is taxable as ordinary income (same as interest from a bank, say) without the advantage of any of the special tax rates for long-term capital gains or qualified dividends even if that cash was generated within the IRA from sales of stock etc. In short, just as with what is alleged to occur with respect to Las Vegas, what happens within the IRA stays within the IRA. Note: some IRA custodians are willing to make a distribution of stock or mutual fund shares to you, so that ownership of the 100 shares of GE, say, that you hold within your IRA is transferred to you in your personal (non-IRA) brokerage account. But, as far as the IRS is concerned, your IRA custodian sold the stock as the closing price on the day of the distribution, gave you the cash, and you promptly bought the 100 shares (at the closing price) in your personal brokerage account with the cash that you received from the IRA. It is just that your custodian saved the transaction fees involved in selling 100 shares of GE stock inside the IRA and you saved the transaction fee for buying 100 shares of GE stock in your personal brokerage account. Your basis in the 100 shares of GE stock is the ""cash_ that you imputedly received as a distribution from the IRA, so that when you sell the shares at some future time, your capital gains (or losses) will be with respect to this basis. The capital gains that occurred within the IRA when the shares were imputedly sold by your IRA custodian remain within the IRA, and you don't get to pay taxes on that at capital gains rates. That being said, I would like to add to what NathanL told you in his answer. Your mother passed away in 2011 and you are now 60 years old (so 54 or 55 in 2011?). It is likely that your mother was over 70.5 years old when she passed away, and so she likely had started taking Required Minimum Distributions from her IRA before her death. So, You should have been taking RMDs from the Inherited IRA starting with Year 2012. (The RMD for 2011, if not taken already by your mother before   she passed away, should have been taken by her estate, and distributed to her heirs in accordance with her will, or, if she died intestate, in accordance with state law and/or probate court directives). There would   not have been any 10% penalty tax due on the RMDs taken by you on the grounds that you were not 59.5 years old as yet; that rule applies to owners (your mom in this case) and not to beneficiaries (you in this case). So, have you taken the RMDs for 2012-2016? Or were you waiting to turn 59.5 before taking distributions in the mistaken belief that you would have to pay a 10% penalty for early wthdrawal?  The penalty for not taking a RMD is 50% of the amount not distributed; yes, 50%. If you didn't take RMDs from the Inherited IRA for years 2012-2016, I recommend that you consult a CPA with expertise in tax law. Ask the CPA if he/she is an Enrolled Agent with the IRS: Enrolled Agents have to pass an exam administered by the IRS to show that they really understand tax law and are not just blowing smoke, and can represent you in front of the IRS in cases of audit etc,"


If it's true then right now we're in 1937-1938 and you know what happened in the decade after that... not good.   Edit: the central bank in Japan is quietly bailing out the central government by buying up the Treasuries and controlling the yield curve.  If that succeeds without a major uprising or violence, maybe there's hope America and Europe can do it too.


Stuff I wish I had known, based on having done the following: Obtained employment at a startup that grants Incentive Stock Options (ISOs);  Early-exercised a portion of my options when fair market value was very close to my strike price to minimize AMT; made a section 83b) election and paid my AMT up front for that tax year. All this (the exercise and the AMT) was done out of pocket. I've never see EquityZen or Equidate mention anything about loans for your exercise. My understanding is they help you sell your shares once you actually own them. Stayed at said startup long enough to have my exercised portion of these ISOs vest and count as long term capital gains;  Tried to sell them on both EquityZen and Equidate with no success, due to not meeting their transaction minimums.  Initial contact with EquityZen was very friendly and helpful, and I even got a notice about a potential sale, but then they hired an intern to answer emails and I remember his responses being particularly dismissive, as if I was wasting their time by trying to sell such a small amount of stock. So that didn't go anywhere. Equidate was a little more friendly and was open to the option of pooling shares with other employees to make a sale in order to meet their minimum, but that never happened either.  My advice, if you're thinking about exercising and you're worried about liquidity on the secondary markets, would be to find out what the minimums would be for your specific company on these platforms before you plunk any cash down. Eventually brought my request for liquidity back to the company who helped connect me with an interested external buyer, and we completed the transaction that way. As for employer approval - there's really no reason or basis that your company wouldn't allow it (if you paid to exercise then the shares are yours to sell, though the company may have a right of first refusal). It's not really in the company's best interest to have their shares be illiquid on the secondary markets, since that sends a bad signal to potential investors and future employees.


Nope! Taylor has always been super original, I mean she dated another guy named Taylor, hence why t squared. What other pop star did that? None. That's right. How can you say she's not original, she's the best. Popstar? No. She's country. Get your facts straight then maybe I'll listen. Taylor+Taylor forever.


Unfortunately I do not have much experience with European banks. However, I do know of ways to earn interest on bank accounts. CDs (Certificates of Deposit) are a good way to earn interest. Its basically a savings account that you cannot touch for a fixed rate of time. You can set it from an average of 6 months to 12 months. You can pull the money out early if there is an emergency as well. I would also look into different types of bank accounts. If you go with an account other than a free one, the interest rate will be higher and as long as you have the minimum amount required you should not be charged. Hope I was able to help!


It is not luck just as much it was destined to happen. If you want to get real technical, it's the every action he has taken(both mental and physical), from BIRTH, that put him, or anyone else for that matter, in the financial and medical health we're in at this very very second.


"I came across a text when I was reading my textbook a few days ago that talked about how China surpassed Japan as world's second largest economy in 2011. I read some articles and I thought it was really interesting to see how China is developing so quickly. I understand to have economic growth, you have to have increase factors of production; and that technology is the fourth factors of production.   From an economic standpoint, how do one measure ""tech?""    And what do you mean markets innovate, while governments help?   Thank you in advance.   -Curious student"


"Some of the 45,000 might be taxable. The question is how was the stipend determined. Was it based on the days away? The mile driven? The cities you worked in? The IRS has guidelines regarding what is taxable in  IRS Pub 15 Per diem or other fixed allowance.  You may reimburse your employees by travel days, miles, or some other   fixed allowance under the applicable revenue procedure. In these   cases, your employee is considered to have accounted to you if your   reimbursement doesn't exceed rates established by the Federal   Government. The 2015 standard mileage rate for auto expenses was 57.5   cents per mile. The rate for 2016 is 54 cents per mile. The government per diem rates for meals and lodging in the continental   United States can be found by visiting the U.S. General Services   Administration website at www.GSA.gov and entering ""per diem rates"" in   the search box. Other than the amount of these expenses, your   employees' business expenses must be substantiated (for example, the   business purpose of the travel or the number of business miles   driven). For information on substantiation methods, see Pub. 463. If the per diem or allowance paid exceeds the amounts substantiated,   you must report the excess amount as wages. This excess amount is   subject to income tax with-holding and payment of social security,   Medicare, and FUTA taxes. Show the amount equal to the substantiated   amount (for example, the nontaxable portion) in box 12 of Form W-2   using code “L"""


No doubt. But someone who is motivated by greed or money may use that motivation to do great good, at great profit. If someone could become the first trillionaire by turning China and India – and the US – away from fossil fuels, and that's the way they're motivated, and without that motivation they wouldn't bother, I'd be asking how I could help them make the Big T.


Investment baking is a financial organization which would underwrite for government sectors and corporations that would issue securities like bonds and treasury bills.Apart from these, they also offer services to companies and individual clients in matters of financial solutions, advisory services.


The median income for an African American household was $39,490 last year, according to U.S. Census Bureau data released this week. It was $41,363 in 2000. (Both figures are in 2016 dollars, so they have been adjusted for inflation). - From the article.


"> Or does it differ between every company what non-cash charges they have?  This.  Here's a hint: the FCFF *can* be calculated from Cash Flow from Operations (CFO).   Think of FCFF this way: ""after the business has operated *and* made *all* investments needed to grow, both short and long-term, how much is left over for providers of capital?""   [Here's a good resource for you.](https://www.cfainstitute.org/learning/products/publications/inv/Documents/equity_chapter6.ppt)"


"As soon as I see the word ""friends"" along with money transfer I think scam. But ignoring that red flag.... You will have American companies reporting to the IRS that you are a Canadian Vendor they have hired. Then you are transferring money to people in Bangladesh.  Assuming also that you fill out all the regulatory paperwork to establish this Money transfer business  you may still face annual reporting requirements to 3 national taxing authorities. In the United states there are situations where the US Government hires a large company to complete a project. As part of that contract they require the large company to hire small businesses to complete some of the tasks. In a situation where the large company is imply serving as a conduit for the money between the government and the sub-contractor; and the large company has no other responsibilities; the usual fee for providing that function is 8% of the funds. This pays for their expenses for their accounting functions plus profit and the taxes that will trigger. Yet you said ""At the end of the day, I will not earn much, but the transactions will just burden my tax returns.""  The 8 percent fee doesn't include doesn't include having to file paperwork with 3 nations.  Adding this to all the other risks associated with being an international bank, plus the legal costs of making sure you are following all the regulations...No thanks."


I don't have any experience in this, but this is my academic understanding of business pricing.  The LOWEST amount a seller would accept is the liquidation value. For a B&B, what would the value of the land, the house, the furnishings, accounts payable, etc. be if it had to be sold today, minus any liabilities.  The amount the seller would like to pay for is going to be a multiple of its annual earnings. One example of this is the discounted cash flow analysis. You determine the EBITDA, the earnings a company generated, before interest,  depreciation, taxation and amortization.  Once you have this amount, you can project it out in perpetuity, or you use an industry multiplier.  Perpetuity:  You project this value out in perpituity, discounted by the going interest rate. In other words, if you project the business will earn $100,000/year, the business should grow at a 5% rate, and the going interest rate is 8%. Using a growing perpetuity formula, one value of a business would be: 100,000 / (.08 - .03) = $2,000,000.  This is a very high number, and the seller would love to get it.  It's more common to do a multiple of the EBIDTA. You can do some research into the valuation of the particular industry to figure out the EBIDTA multiplier for the industry. For example, this article suggests that the 2011 EBITDA multiplier for hospitality industries is 13.8. (It's valuing large hotel chains, but it's a start). So the value of this B&B would be around $1,380,000. Here is an online SME valuation tool to help with the EBIDTA multiple based valuation. Also, from my research, it looks like many small business use Seller Discretionary Earnings  (SDE) instead of EBITDA. I don't know much about it, but it seems to serve a similar purpose as EBITDA.  A potential buyer should request the financial statements of the business for the last few years to determine the value of the business, and then can negotiate with the owner a price. You would probably want to enlist a broker to help you with the transaction.


Cara Mengecilkan Perut Buncit » Kini telah hadir tips cara mengecilkan perut buncit dengan cepat tanpa ribet dan tidak menimbulkan efek samping bagi tubuh. Banyak sekali orang-orang yang berusaha mati-matian untuk mengecilkan perut buncit, ada yang mengorbankan waktu, tenaga dan terlebih lagi mengeluarkan uang yang banyak.


From a wealth management perspective, almost every one of my clients that owns a business has it in some sort of trust. Mostly for estate planning purposes. So it wouldn't surprise me if that's what he was talking about.  But I would straight up just ask to clarify. Can't hurt to ask, and I'd love to hear what he meant.


And oh yeah, #1 on that list serves in the Obama Administration.  Jeffrey Immelt serves on Obama's Economic Recovery Advisory Board, a group of corporatists who advise the government on how to make the working class pay for the consequences of the economic crisis caused by Wall St.


"A junk bond is, broadly, a bond with a non-negligible risk of default.  (""Bond"" ought to be defined elsewhere, but broadly it's a financial instrument you buy from a company or government, where they promise to pay you back the principal and some interest over time, on a particular schedule.) The name ""junk"" is a bit exaggerated: many of them are issued by respectable and reasonably stable businesses. junk bonds were required to do large leveraged buyouts.  This means: the company issued fairly risky, fairly high-yield debt, to buy out equity holders.  They have to pay a high rate on the debt because the company's now fairly highly geared (ie has a lot of debt relative to its value) and it may have to pay out a large fraction of its earnings as interest. What is a junk bond and how does it differ from a regular bond?  It's only a matter of degree and nomenclature.  A bond that has a credit rating below a particular level (eg S&P BBB-) is called junk, or more politely ""non-investment grade"" or ""speculative"".  It's possible for an existing bond to be reclassified from one side to another, or for a single issuer to have different series some of which are more risky than others.  The higher the perceived risk, the more interest the bond must pay offer in order to attract lenders. Why is there higher risk/chance of default? Well, why would a company be considered at higher risk of failing to repay its debt?  Basically it comes down to doubt about the company's future earnings being sufficient to repay its debt, which could be for example:"


I use http://moneydance.com/ it has Mac, Windows and Linux versions and works well for my needs.


"Provide you are willing to do a bit of work each month, you should apply for a ""rewards checking"" account.  Basically these accounts require you to set up direct deposit (can be any amount and your employer can easily deposit $25 into one account and the rest into another if you like).  They also require you to use your debit card attached to the account (probably about 10 times per month). Check out the list on the fatwallet finance forum.  Right now the best accounts are earning over 4%."


Bank lending, insurance and derivatives: all dependent on Europe. Metals and shipping: tiny niche industries that have relatively few tax payers actually sitting in London.  Sorry buddy, but without Europe London is just a regional financial centre that mostly services the UK economy with a few niche international areas that don't bring in that much business.


Here at Environmental Drain Services Ltd, we offer installation services of a wide variety of wastewater systems to commercial areas. We are experienced in setting up systems like sewage treatment plants and interceptors whether it is on a small shop or a large building. To know more about our installation services, visit our website at www.eds.uk.com.


I'm a bot, *bleep*, *bloop*. Someone has linked to this thread from another place on reddit:  - [/r/austin] [Amazon launches search for a second headquarters in North America](https://np.reddit.com/r/Austin/comments/6yqdrb/amazon_launches_search_for_a_second_headquarters/)  [](#footer)*^(If you follow any of the above links, please respect the rules of reddit and don't vote in the other threads.) ^\([Info](/r/TotesMessenger) ^/ ^[Contact](/message/compose?to=/r/TotesMessenger))*  [](#bot)


>The point of Lewis' speech is that society and culture has (wrongly) been attributing all success to skill alone, and almost completely discounted luck of opportunities as a factor.  It's called the [fundamental attribution error](http://en.wikipedia.org/wiki/Fundamental_attribution_error). In short, you attribute YOUR success to your own personal characteristics and downplay situational variables that played an influential role and attribute YOUR failures to situational variables  while downplaying personal characteristics... while simultaneously doing the opposite for everyone else (i.e., Other person's success = luck, other person's failure = idiocy).


Good luck with that. Vancouver is up 8.8% in value this year. Volumes are down a touch but demand is outstripping supply so it is back to bidding wars and selling 10% over asking. I sure as hell would not buy an $800k home in Chilliwack. Those areas where people have normal jobs... that is sketchy. But Vancouver proper? There is too much money here and too many homes owned outright. Any bump means people de-list their properties and wait it out. We had a bump last year with the new foreign buyer tax, people de-listed and now prices are rising.


Do you photograph information and circle of relatives organization images? Yes! Your wedding videography collection might no longer be complete without them, and we take all of the videography you would anticipate from a traditional wedding videography. We then exceed those expectancies to give you snapshots you may in no way have wedding ceremony videography. Valuing every couple as though they were our only patron, we deliver customized attention due to the fact we sincerely care.


retail sales prices in july were reported this morning as up 0.5% including autos.  Article claims big declines in car volumes though.  Are they raising prices, but increasing financing incentives to offset it?  Only expensive cars are being sold, while the affordable market shifts to used and isn't captured by price stats?


"Mint.com uses something called OFX (Open Financial Exchange) to get the information in your bank account. If someone accessed your mint account they would not be able to perform any transactions with your bank. All they would be able to do is view the same information you do, which some of it could be personal <- that's up to you. Generally the weakest point in security is with the user. An ""attacker"" is far more likely to get your account information from you then he is from the site your registered with.  Why you're the weakest point: When you enter your account information, your password is never saved exactly how you enter it. It's passed through what is called a ""one way function"", these functions are easy to compute one way but given the end-result is EXTREMELY difficult to compute in reverse. So in a database if someone looked up your password they would see it something like this ""31435008693ce6976f45dedc5532e2c1"". When you log in to an account your password is sent through this function and then the result is checked against what is saved in the database, if they match you are granted access. The way an attacker would go about getting your password is by entering values into the function and checking the values against yours, this is known as a brute force attack. For our example (31435008693ce6976f45dedc5532e2c1) it would take someone 5 million years to decry-pt using a basic brute force attack. I used ""thisismypassword"" as my example password, it's 12 characters long. This is why most sites urge you to create long passwords with a mix of numbers, uppercase, lowercase and symbols. This is a very basic explanation of security and both sides have better tools then the one explained but this gives you an idea of how security works for sites like these. You're far more likely to get a virus or a key logger steal your information. I do use Mint. Edit: From the Mint FAQ: Do you store my bank login information on your servers?   Your bank login credentials are stored securely in a separate database   using multi-layered hardware and software encryption. We only store the   information needed to save you the trouble of updating, syncing or   uploading financial information manually. Edit 2:  From OFX About Security Open Financial Exchange (OFX) is a unified specification for the   electronic exchange of financial data between financial institutions,   businesses and consumers via the Internet. This is how mint is able to communicate with even your small local bank. FINAL EDIT: ( This answers everything )  For passwords to Mint itself, we compute a secure hash of the user's   chosen password and store only the hash (the hash is also salted - see   http://en.wikipedia.org/wiki/Sal... ).  Hashing is a one-way function   and cannot be reversed.   It is not possible to ever see or recover   the password itself.  When the user tries to login, we compute the   hash of the password they are attempting to use and compare it to the   hashed value on record. (This is a standard technique which every site   should use). For banking credentials, we generally must use reversible encryption   for which we have special procedures and secure hardware kept in our   secure and guarded datacenter.  The decryption keys never leave the   hardware device (which is built to destroy the key material if the   tamper protection is attacked).  This device will only decrypt after   it is activated by a quorum of other keys, each of which is stored on   a smartcard and also encrypted by a password known to only one person.   Furthermore the device requires a time-limited   cryptographically-signed permission token for each decryption. The   system (which I designed and patented) also has facilities for secure   remote auditing of each decryption. Source: David K Michaels, VP Engineering, Mint.com - http://www.quora.com/How-do-mint-com-and-similar-websites-avoid-storing-passwords-in-plain-text"


I don't know a lot about this space but it seems like maybe Blue Apron should try to be acquired as well. Better now and keep the name and employees alive than later then all they'll be able to get is scraps.


If you truly have > 22% equity, they have to stop it.  However, without an appraisal, how do you know if you have > 22% equity?  If you bought the house for 100k, and paid your mortgage down to 78k, but now the house is only worth 78k, you have 0% equity, not 22% equity.  Without an appraisal, you have no idea how much equity you have. Yeah, it sucks, but that's how equity is calculated: based on the current value, not the past value.


"One thing I've run into (working for a smaller MSO/Cable Company) is that when we started offering TiVo to our customers directly, we ran into all kinds of restrictions. Some examples - since we carries Starz/Encore, the TiVos we provided customers had to have the Netflix app disabled. More recently, I've seen more apps like Amazon Movies, the music video on-demand service, and more removed due to FCC restrictions on cable operators. Meanwhile, customers who pickup their TiVo from Best Buy or retail get the full experience. Now, one would think ""Yay! It's better for the customer to go buy the unit"". However, when they get it from us, they never have to worry about repairs (I went through two Series 2 units personally years ago - usually was the HDD) and we also take care of the programming guide cost so the customer doesn't have to worry about the monthly charge to TiVo or choosing a lifetime sub that's locked to one unit. It just really frustrates me because I prefer the TiVo over our standard Motorola HD DVRs but these regulations have made them (the ones we provide/rent to the customer) no better than the regular DVRs."


Yeah dang. Guess it's probably written deep in the contract that this can happen and nothing is absolutely guaranteed.   Any specific experience on rental car chains? I've recently started using National and love the pick your own car experience...much faster and smoother but is more expensive (and luckily reimbursed mostly as well)


I'm not sure if they're less risky. Maybe I'm being naive, but I feel they're less manipulated.   I wouldn't say I have any hard resources other than dicking around on cmegroup,com. I pay a ton for my daily newsletters so I can't just start forwarding those.   I tend to stay away from strategy books, but Mark Fisher's The Logical Trader is decent. Futures I feel are more of an experience than strategy trade. Especially the spreads. This is where systems come to die.


One option is buying physical gold.  I don't know about Irish law -- but from an economic standpoint, putting funds in foreign currencies would also be an option. You could look into buying shares in an ETF tracking foreign currency as an alternative to direct money exchange.


I don't get the big deal. Someone has to buy it. And with Europe scaring people there's not much choice out there.   Unless Americans start buying more or they restrict sales to citizens, this is going to keep going. At least someone wants them


It's naive to believe that businesses accept climate change science on its face, it's more likely they know it's good PR, both with regards to consumers and politicians and would rather just keep their heads down and be good obedient (at least in the eyes of the public) brands.


9.8 m/s^2  What you need to explain how those building came down at free fall.  As far as Palestine is concerned, there is no justification for Apache helicopters and F-16s to bomb unarmed women and children, but obviously to the mind of an Israeli, its bravery. The time for bravery will soon be at hand and when the wall they built to keep people out become the walls to the ghetto they built themselves, the answer will be plain as day


"After looking at the comments, and your replies it seems that your mind is made up: ""You will always be able to obtain 0% credit, and nothing bad will ever happen"". Credit cards that offer 0% on balance transfers are very rare.  Most have a transfer fee of some kind, which acts like an interest rate.  This is a change that probably happened 10 years ago without much fanfare.  From this you can draw a lesson: what changes will come in the future? This site and others a full of ""tales of woe"" where people were playing musical chairs with credit, and when the music stopped, there was no chairs in sight.  Job loss, medical expenses, unexpected taxes, natural disasters can all effect one's ability to make payments on time and happen.  Once payments start being missed or are late, things tend to avalanche from there.  It has happened to me, and loved ones. The pain and suffering is not worth it.  Get out of debt. You claim that you are investing the money instead of paying on the debt, and you are making the delta between your prevailing investment rate 7%.  Did you include the balance transfer fee in your calculations?    First off your investments could lose money.  While 2015 was mostly flat, we have not had a correction in a long time.  Some say we are long overdue.   Secondly, how much money are we really talking about here?  Say there is not a balance transfer fee, you could be guaranteed 7%, and you are floating $10K.  Congratulations in this mythical scenario you just made $700. If $700 changes your life dramatically perhaps it is time for a second job.  This way you can earn that every two weeks (working part time) rather than every year.  Now that will really change your life.  By applying this amount of mental energy to make $700, what opportunities are you missing?   Pay off the debt, you will be much better off in the long run."


Yeah my question was just out of curiosity. Though I do wonder, given that bond prices are so low, they inevitably will have to go up right? So why does anyone bother to buy them in the first place?


Let me ask you something else: If you knew about a company that makes $1 million of profit per year and growing, with costs that are half that, would you not be interested to have a stake in this company?  Of course you would. And because the shares can be publicly bought, you can. I don't think you'd care if it's an asset manager or some other company.  An asset manager can do a lot with the capital it raises. It could get bigger and better offices, invest in a better computer system, maybe get faster access to exchange information, better information terminals, have more money for marketing and road shows. But the really big cash usually goes to acquire new talent. You might not need that much money for support staff, but a sales manager can be expensive, and a good fund manager can easily cost a high 7 to 8 figure number per year.


We offer a variety of business enterprise formation applications designed to make putting in a private organization as simple and straightforward as feasible. They range from the simple Digital Package - providing the minimum prison requirements for reputable Company formation - to the All Inclusive, which includes a variety of beneficial extras, including a prestigious registered office, a commercial enterprise provider. This corporation shape is usually utilized by non-earnings Company inside the United States. It protects the private finances of the business enterprise owners in a comparable manner as a corporation limited via stocks. Instead of getting shareholders and stocks.


"> So take this dumbass troll shit elsewhere.    A) This ain't trolling. This shit is knowledge. I'm seriously not trying to troll anyone. I do not feel there is enough appreciation or attention given to the many many many people sold a bill of goods. These poor dumb fucks I play FF with, working in downtown Boston or NYC, paying $2000 a month in rent for the privilege of earning $30K a year. ""Cuz...networking!!""   > Not sure your vendetta against Finance  B) My vendetta is that it is nonsense. All of it. It is the same three fucking ideas rehashed, repackaged and resold to the next generation of idiots over and over and over again. It is literally NOTHING interesting, and it is WAY too many people clamoring for the same piece of a pie they didn't bake.  ""Modern"" portfolio theory was developed in the 50's, EMH in the 60s, Black Scholes in the 70s... and these are the ideas you spend 4 years learning. And all of them are built on assumptions everyone either refuses to acknowledge, or completely misunderstand.   >its as good as it gets for business majors.   C) Maybe you are the tallest midget, but maybe you should just not choose to be a midget.   And finally, in your list, construction managers make more. So there is that..."


"If the OP is saving 33% if his/her current income, he/she doesn't want or need yet more income from investments right now. The advice on ""diversifying"" in the other answers is the standard ""investment advisor"" response to beginner's questions, and has two advantages for the advisor: (1) they won't get sued for giving bad advice and (2) they can make a nice fat commission selling you some very-average-performance products (and note they are selling you ""investment industry products,"" not necessarily ""good investment opportunities"" - advisors get paid commission and bonuses for selling more stuff, not for selling good stuff).  My advice would be to drip-feed some of your excess income into the emerging market sector (maybe 1/3 or 1/4 of the excess), with the intention of leaving it there untouched for up to 20 or 30 years, if need be. At some unknown future time, it is almost certain there will be another EM ""boom,"" if only because people have short memories. When that happens, sell up, take your profits, and do something less risky with them.  You might consider putting another slice of your excess income into the commodities sector. I don't know when the oil price will be back at $150 or $200 a barrel, but I would be happy to bet it will happen sometime in the OP's lifetime... Since you apparently have plenty of income and are relatively young, that is the ideal time to adopt a risky investment strategy. Even if you lose your entire investment over the next 5 years, you still have another 20 years to recover from that disaster. If you were starting to invest at age 56 rather than 26, the risk/reward situation would be very different, of course."


We provide reproduction and redesign service of all Indian motorcycle spare parts. We are dedicated to the preservation of Antique Indian motorcycle. Our customers continue to order from us for our quality products and services. Our company website lists of all spare parts for sale with an easy to use a shopping cart. Indian motorcycles were respected all over the world for its innovative design and quality along with style.


Here is the definition of Ex-dividend date from the SEC: Once the company sets the record date, the stock exchanges or the National Association of Securities Dealers, Inc. fix the ex-dividend date. The ex-dividend date is normally set for stocks two business days before the record date. If you purchase a stock on its ex-dividend date or after, you will not receive the next dividend payment. Instead, the seller gets the dividend. If you purchase before the ex-dividend date, you get the dividend. The linked document discusses weekend, and holidays involved in the calculation. The difference between the record date and the ex-dividend is to allow for the three days of settlement.


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/view/articles/2017-08-25/too-much-debt-is-making-us-sticks-in-the-mud) reduced by 91%. (I'm a bot) ***** > Instead, we get deeper recessions, as people out of work are left with no purchasing power at all, and the people in work sharply reduce their spending out of fear that they, too, may soon be broke and unemployed.  > One theory would explain the quandary in wages but not in real estate: People attach a lot of their personal identity to their paycheck, so while firing workers is traumatic, lowering everyone&#039;s wages spreads the trauma to your whole workforce, hurting morale and making operations less productive.  > In the first scenario, you will save 200 people three out of three times; in the second, you save 600 people one time, and zero people the other two times.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6w6jgk/too_much_debt_is_making_us_sticksinthemud/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~198942 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*: **people**^#1 **wage**^#2 **landlords**^#3 **time**^#4 **income**^#5"


Why does total debt matter?  What really matters is debt service.  What is the percentage of GDP that is used for debt service?  If you borrow money at 2% versus 18% it makes a **HUGE** difference in how much you pay back.    In fact, Japan's debt goes down each year that inflation is greater than 2% (in purchasing power).


There are different options here.  Either way, ensure that you have a paper trail of all your payments. When in doubt, speak to a lawyer, there are many who offer free consultations.


Your rate of return for paying off this loan is 9%, and that's guaranteed. For reference, the best rate of return on a 10-year FDIC-insured certificate of deposit today is 3%. There's definitely something out there with better returns than paying off your loans, but there's definitely not going to be anything with better risk-adjusted returns than paying off your loans. Investors dream of guaranteed 9% rates of return. If you had something that could provide a guaranteed 9% rate of return, wannabe investors would be lining up at your door and tripping over each other to outbid each other until it actually closer to a 3% rate of return. :P (Postscript. Depending on whether your loans are tax-deductible and what your inflation expectations are, you could adjust those rates to make the comparison more accurate. But at 3% vs 9% the picture's pretty clear.)


Firing at the first sign of trouble is a good way to ensure high turnover.  If you're concerned about her missing work for personal reasons, then you should discuss those concerns with her and see if corrective behavior doesn't solve the problem; it might simply be a matter of your policies not being as clear as they should be.


Well, to get money, you need to leverage your assets.  So your options basically are:  - Asset: Cash.  Well, I figure if you had, you wouldn't have asked how to get more of it, but its always worth mentioning.  Don't forget about cash that can be in tricky places to tap, like 401ks, IRAs, investment accounts, etc.  There is usually some way to get at the cash, but it may not be worth it and you could end up sacrificing long term financial stability if you do.  - Asset: Job Skills and Initiative.  Get a job and and earn the cash.   $2k is not a ton, and if you live frugally you should be able to save it.  There are tons of websites dedicated to living frugally and earning extra cash on the side.   My personal favorite is r/beermoney.   - Asset: Good Credit. Borrow the money from a traditional bank.  Signature loans go up to $35k at most banks, just ask what it would take to qualify.  You could also get a credit card for that amount, and use it to start up the business.    - Asset. Bad Credit.  If you've got bad credit, you can still take out a loan from a place like Prosper or Lending Club or Sofi (these places are handy if you have good credit, too).  Your rates will be much higher, but they will still lend to you.  - Asset: Property.  If you own stuff, you can sell it and get cash.  Clean out your attic (or ask relatives if you can have the stuff in theirs!) and sell it.  If you own fancy stuff, you can borrow against it (home, car, boat, etc.).  - Asset: Your Charm and Winning Smile.  If you have a good, solid business plan (written down and professional looking), ask around and see if you can find an investor.  It could be friends or family, but it could also be someone who is looking to invest.  Be professional, and be sure to draw up the appropriate business docs if you do a partnership or take a private loan.  - Asset: Your Government.  If you live in the US, there are federal programs that offer Small Business Loans.  Check out sba.gov for more info.  You will need a business plan and will have to meet the criteria of the loan or grant.  Not sure if your Ecommerce business will meet the criteria, as the intent of these types of programs are to spur the economy by allowing small business owners to hire workers.  But its worth checking out.


"You would, but we are talking retail not manufacturing. If one of the big production lines where I worked broke down for an hour, no problem. In any case we had mechanics on site who could handle a simple breakdown. We would have to rush, but we could make up the production quota. In retail, it is another issue. If you have to say ""no burgers"" at a fast-food joint for an hour or more, it is more of an issue."


Par value SHOULD mean that they are offering you the options with a strike price (exercise price) that is equivalent to the current valuation of the company.  Note I said SHOULD. As long as you can confirm with HR (or if you're small enough, just ask the CEO) that your grant price is the same as the current valuation of the company's shares, then things are straight.  And while it's very unlikely that someone is doing Something Sneaky, it's always possible.  As a reference, my recent grant letter said:  [Company] (the “Company”) hereby grants you the following Option to   purchase shares of its common stock (“Shares”). The terms and   conditions of this Option are set forth in the Stock Option Agreement   and the [Company] 2013 Stock Incentive Plan (the “Plan”), both of   which are attached to and made a part of this document.


It's not a betting game, insurance policy is not akin to a casino bet. While the odds are probably low, the damage of an event may be devastating. Insurance allows mitigating that potential devastating damage, if it occurs.


We have always tried to be reasonable in the pricing of our parts. We also try to keep the catalog pricing and stock availability up-to-date. Sometimes this doesn't work out as well as we would like Henderson Motorcycles. There may, from time to time, be price increases not reflected in the catalog. And as you might expect, sometimes we run out of an original part and we do not have a source for more. The purchase of a large lot of original Henderson spare parts that had been the basis of a thriving motorcycle repair business for our company.


Honestly, I get the feeling that CS degrees are flooding the market right now, and that Finance has kind of fallen by the wayside, making it a better degree to have.  Of course, this is based purely off hearsay and secondary observation.