When you start to buy stock, don't buy too little of it! Stocks come at a cost (you pay a commission), and you need to maintain a deposit, you have to take these costs into account when buying to calculate your break even point for selling. Don't buy stock for less than 1.500€ Also, diversify. Buy stock from different sectors and from different geographies. Spread your risks. Start buying 'defensive' stocks (food, pharma, energy), then move to more dynamic sectors (telecom, informatics), lastly buy stock from risky sectors that are not mature markets (Internet businesses). Lastly, look for high dividend. That's always nice at the end of the year.


Generally speaking, you want to find goods and services that are inelastic and also require oil as a cost. Oil company stocks make record profits when oil is high, because direct demand for oil is relatively inelastic. Profit margins of oil competition should also go up, as this creates inflation in general, as people seek alternatives to the inelastic demand.


According to the suppliers of bobcat hire deals and packages, the second thing to be checked is the connections of the machine.Experts say that all the pins and other parts installed in the machine should be in their best condition along with all the movable parts that should be clean and free from wear and tear.


My go-to response whenever anyone asks me this is the Monevator table of platform fees. It looks a little complicated at first, but scroll past the table for a couple of paragraphs of useful info to help narrow down your search. The general tone of the page is geared more towards investors in index funds, but the fees on share-dealing are right there in the table too. There are also special notes if there are discounts for frequent traders and that sort of thing, so not too much passive-investor elitism on show!


Trying desperately to normalize the Rating agencies before the Fed unwind so they can stamp everything AAA and pretend that all is great.  They world has not forgotten the magnitude of the Fraud these rating agencies commited and are now preparing to commit and the collusion with the regulators and banks and insurance agencies.  Who are you going to sell that shit to, entire countries went bankrupt because they bought the shit you rated AAA.  Remember Northern rock . .that was the Tip of the Ice berg    And now, 1 month before the Fed gets ready to sell the same shit, the rating agencies conveniently reappear pretending to be able to rate sovereign countries.  This is going to be a whole lot of fun


What you need to do is to reduce the withholding from your wages, or pay a smaller amount in your quarterly payments of estimated tax (if you are self-employed). To reduce withholding from wages, fill out a new W4 form  (available from your employer's HR department). There is a worksheet in the form that will help you figure out what to write on the various lines.  As a single person, you are entitled to claim an exemption for yourself, and if you have not been claiming that exemption, doing so will reduce your withholding, and presumably your tax refund.


I don't think you quite understand how the software services model works. Most software co utilizes the Amazon model for growth until they reached a critical point either by market size or squeezing out other players.    Your unit economic talks works only when bootstrapping and maybe debt financing. For companies that can grow using equity financing its certainly not the case. See: Tesla.


> unlimited data plans on your phone  This may work in some countries; in the US, oligopolic wireless carriers are doing their level best to ensure it doesn't become the norm, because they collectively see it as a threat to their business models.    They may still lose; tho I consider it unlikely, as the best scenario for that would require increasing the number of players in the wireless market.   Some sort of open-access rule for infrastructure built by companies granted spectrum licenses would be a good start, but seems unlikely given how much more sway corporations have over the state than consumers.


It's really all just speculation, we don't know what they're looking for.    I do know from a roads perspective Boston in general can be difficult because trucks can't get in there easily from every direction.  Western and newer builds that didn't grow up around colonial times seem preferred when I've spoken to logistics people.    They'll also want a city capable of incubating trial platforms so Socal or NY could be huge.  Atlanta and Austin as well.  Boston seems to mostly have a surrounding metro population, yes, but it's also one of the furthest way from Seattle which isn't an advantage so much as a proximity thing.


I think this has more to do with bad parenting than low wages. Think about it, who are these people that can even answer this question. If I were asked it, I'd say that I have no idea because not working is not an option, but I make sure that I am always able to make a good income.  To me the only people who are able to do this are economic outpatient care recipients. Or people that can lie off of mommy and daddy's money. If I don;t work, my family and I go hungry, I lose my house, and everything fails. Put in this situation I'd take the low paying job and work up to the better paying one.  People need to suffer through a shitty job or two to develop character.


When a stock is going to become public there's a level of analysis required to figure out the range of IPO price that makes sense. For a company that's somewhat mature, and has a sector to compare it to, you can come up with a range that would be pretty close. For the recent linkedin, it's tougher to price a somewhat unique company, running at a loss, in a market rich with cash looking for the next great deal. If one gives this any thought, an opening price that's so far above the IPO price represents a failure of the underwriters to price it correctly. It means the original owners just sold theirvshares for far less than the market thought they were worth on day one. The day of IPO the stock opens similar to how any stock would open at 9:30, there are bids and asks and a price at which supply (the ask) and demand (bid) balance. For this IPO, it would appear that there were enough buyers to push the price to twice the anticipated open and it's maintained that level since.  It's possible to have a different system in which a Dutch auction is used to make the shares public, in theory this can work, it's just not used commonly.


Definitely push for a check, they may not do anything nefarious with your credit card number however someone else may be able to read the email before it gets to its final destination. It's never safe to give out credit card number in a less than secure interface. Also, if this is a well known company, then the person interacting with you should know better than to ask for your information through email.


Agree completely with this. I don't know if the average customer even knew or cared about what was going on (at least at first). All they knew was that the shelves were empty and it was completely uncomfortable to shop there.


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In your case, you could very well leave it in something like FFFFX, which for readers is a self balancing fund with a target retirement date of 2040.  These funds are a conglomeration of other funds that tend to move more conservatively as time passes. However, I like to put no more than 10% of my portfolio in one fund with exceptions made for balances less than 20K.   So If I had 18K it really wouldn't matter if it was in FUSEX a S&P 500 index fund.  However by investing in FFFFX you pretty much meet that requirement.    So you are golden if that fund meets your goals.  For me, I kind of hate bonds and despite being of similar age, I have almost no money invested in bonds.


"(Regarding one aspect of the question) Here's a survey suggesting new programmers value ""free lunch"", old programmers do not care about it: https://stackoverflow.blog/2017/06/12/new-kids-block-understanding-developers-entering-workforce-today/?cb=1"


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"From what I gathered, the point is not that he acted like a savvy business person would while at Bain, but that he's running on being an ""American job creator who will use his experience in business to create American jobs"", when most of his business experience dealt with destroying American jobs.  Ninja update: This does seem more appropriate in a political subreddit other than r/business, but /r/politics is not worthy of it."


Quick, do Forbes next.  It's pretty funny that people are raising the issue of the ownership of Reddit. There is no way that anyone involved in running the site would be foolish enough to believe that favoring Conde Naste properties would end well.


"There are a lot of business reasons why the H1B abuse is a bad idea.  When it's used for it's original purpose, importing skilled workers from abroad, is good, but that has become the small minority of it's use now.  Instead it is being used in a ""race to the bottom""  type of approach to maximize short term profits.  Good people cost good money.  There are engineers in India that are AMAZING.  Guess what?  They are just as expensive as amazing engineers in the US.  When you hire cheap employees you get cheap work. Doesn't matter where it is.  It doesn't matter though, senior management just plays the game.  Cut costs, bump up the stock, collect your bonus, find a new job where you can tell them all about how much money you saved your last company and repeat the cycle there.  Meanwhile 2-5 years later all of these companies start [suffering huge problems ](http://www.cnbc.com/2017/05/27/british-airways-says-computer-outage-causing-global-delays.html) because their IT has gone to shit."


Al igual que la fidelidad del cliente, la “lealtad” a una marca está cuestionada.  Cómo valora el público tus marcas está cambiando, garantía de desempeño y diferenciación se están volviendo más relevantes. Las variaciones en los hábitos de consumo y en las relaciones empresa-cliente afectan estas valuaciones.  El principal activo de tu marca es la garantía que le provee al consumidor sobre la satisfacción de sus expectativas. Proporciona seguridad en el proceso de decisión de compra, lo hace más fácil.  Antes la gente adquiría una marca “conocida” pues brindaba confianza en su desempeño y el costo de conseguir referencias sobre productos sustitutos era alto. Hoy la información satura la Internet y los medios de comunicación, las opiniones positivas y negativas se diseminan rápidamente en la web. La publicidad pierde credibilidad y solo satisfacer al cliente mejor que la competencia cada día te permitirá mantener el valor de tu marca.


The typical rule in the US is 180 days, but some banks do it differently. However, even if the check is dead, you should be able to call the payroll department for your old job. They can stop payment on the old check and issue you another one.


"You should certainly look into investments. If you don't expect to need the money until retirement, then I'd put it in an IRA so you get the tax advantages. It makes sense to keep some money handy ""just in case"", but $23k is a very large amount of money for an emergency fund. Of course much depends on your life situation, but I'm hard pressed to think of an unexpected emergency that would come up that would require $23k. If you're seriously planning to go back to school, then you might want to put the money in a non-retirement fund investment. As I write this -- September 2015 -- the stock market is falling, so if you expect to need the money within the next few months, putting it in the stock market may be a mistake. But long term, the stock market has always gone up, so it will almost certainly recover sooner or later. The question is just when. Investing versus paying off debts is a difficult decision. What is the interest rate on the debt? If it's more than you're likely to make on an investment, then you should pay off the debt first. (My broker recently told me that over the last few decades, the stock market has averaged 7% annual growth, so I'm using that as my working number.) If the interest rate is low, some people still prefer to pay off the debt because the interest is certain while the return on an investment is uncertain, and they're unwilling to take the risk."


"This is the best tl;dr I could make, [original](https://www.bloomberg.com/news/articles/2017-10-15/china-s-zhou-warns-corporate-debt-too-high-urges-fiscal-reform) reduced by 88%. (I'm a bot) ***** > People&#039;s Bank of China Governor Zhou Xiaochuan warned that Chinese companies have taken on too much debt, and argued for less financial leverage as well as fiscal reforms to constrain local government borrowing.  > &quot;The main problem is that the corporate debt is too high,&quot; Zhou said Sunday during a panel discussion at a Group of 30 seminar in Washington held in conjunction with the International Monetary Fund and World Bank annual meetings.  > Opening Up. Zhou&#039;s remarks were the latest in a string of public comments by China&#039;s normally low-profile central bank chief.   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/76n80v/chinas_central_bank_chief_warns_corporate_debt_is/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~229048 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*: **Zhou**^#1 **financial**^#2 **government**^#3 **debt**^#4 **percent**^#5"


"to finish u/randommouse's point, the lumber is then put into a kiln where it is dried to a moisture content of about 19%.  This drying process causes the lumber to shrink.  2x4 = 1.5"" x 3.5""  2x6 = 1.5"" x 5.5""  2x8 = 1.5"" x 7.25"" and so on..."


We moved and decided to drop cable a few years ago. I haven't really missed it at all. I also don't pirate anything. I imagine people willing to pirate have absolutely no problem dropping cable TV.  The *only* thing I miss is my hometown sports. I can't always get them over the air.  The thing is that it is a redundant system. It is a less appealing information delivery system. Why would I pay for internet service and a worse, time restricted service? It is one of the reasons I think that Netflix's move to original content is smart. I pay a small price for quality content that just uses the best information delivery system I have.  Honestly, I suspect that phone service (even mobile) is going to head in that direction too.


"This is the best tl;dr I could make, [original](https://news.vice.com/story/democrats-just-united-on-a-15-an-hour-minimum-wage) reduced by 85%. (I'm a bot) ***** > On Thursday, Senate Democrats introduced legislation that would raise the minimum wage to $15 an hour by 2024, reflecting local laws that have raised the minimum wage in 19 states earlier this year.  > Would be the biggest federal minimum wage increase in history, and it would additionally peg future minimum wage increases to inflation.  > Economists Paul Wolfson and Dale Belman, two of the most respected authorities on the effect of minimum wage policies, wrote in an award-winning 2014 book that &quot;Modest minimum wage increases raise wages for the working poor without substantially affecting employment or work hours, providing solid benefits with small costs.""   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/6ejc2k/democrats_just_united_on_a_15anhour_minimum_wage/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~133530 tl;drs so far."") | [Theory](http://np.reddit.com/r/autotldr/comments/31bfht/theory_autotldr_concept/) | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **wage**^#1 **minimum**^#2 **increase**^#3 **work**^#4 **hour**^#5"


"Well, this sub is generally pretty darn good. Among us are investment bankers, private equity analysts, valuation analysts, portfolio managers, traders, brokers, bachelors, masters, and doctorate students, etc. We're helpful, though sometimes snarky, and have an exceedingly low tolerance for bullshit.  I love it here.  And while your logic is sound, we can actually explore private equity directly, as while private and public equity are related, they are different enough to study separately, in my opinion.  Private equity deals with private companies. By definition, these investments are illiquid (they cannot be easily sold like public stocks), and unmarketable (there is no ready market to trade these investments, like stock). They are generally held for longer time periods.  At its earliest stage, private equity is synonymous with ""initial investment"" or ""seed funding."" This includes (if we are maybe slightly liberal with our definition), the initial investment an entrepreneur makes into his business. At this stage, friends and family, angel investors and venture capital are present. At different points of a company lifecycle, different financiers become interested/applicable (mezzanine investors, etc.).  The investment made into a company allocates a certain percentage of the ownership of the company to the investor in exchange for cash (usually). This cash is used to cover expenses and take on capital projects. The goal of these investments is to directly make the company (and its value, and thus the investor's value) grow.   At some points in time, a new investor will show up and either invest directly in the company (same as before) or buy another investor's holding in the company (in which case, cash goes to *that specific investor* and *not* the company).   At every stage of investment leading up to IPO, the deals are negotiated between the parties. The results of a given negotiation determines the value of that company's equity. For example, if I pay you $100 for 50% of your company, the company's implied worth is $200. If two days later, Joe comes and offers to buy 33% of the company for $100, the Company is worth $300. (Special note: these percentages are assumed to be the allocation of equity **after** the deal. In this last case, the ownership of your company would be 33% you, 33% me, and 33% Joe. This illustrates something called *dilution,* which is very important to investors as it effects their eventual potential payoff later down the road, along with some other things).   At this point, do you have any questions?"


Since you're a minor, this would come down to your sister lending you the money, possibly taking out a loan herself to do so.  If you can't wheedle her into doing so, then the only help she can give you is to help wheedle your parents.


This is snarky, but I really consider life insurance only to be an investment for THE INSURANCE COMPANY, if you don't have dependents who will need the insurance in case you are hurt or die.


"Money is a tool. Here is an ""oversimplified"" order of investments:"


The best asset allocation is one that lets you sleep well at night. Can you stomach a loss of 50% and hold on to that asset for 3 years, 5 years, or however long it will take to bounce back while everyone is telling you to sell it at a loss? All these calculations will be thrown out the window at the next market panic. You've probably been in situations where everyone's panicking and the market seems upside down and there are no rules. Most people think they'll stay rational, but unless you've been through a market panic, you don't really know how you'll react.


Clearly the US isn't interested in prosecuting executives for criminal activity, and hasn't been for years. Rick Scott perpetrated the largest Medicare fraud in history, but he was never charged with a crime because his company (HCA Columbia) agreed to pay nearly a billion in fines. His lack of a criminal record and substantial net worth left him free to pursue other opportunities, like becoming the governor of Florida.


"Have worked in 4 different 'open space' offices, and by far the most distracting noise has been laughter...I'm all for enjoying your work and conversations don't bother me nearly as much, but there are certain I guess, ""types"" of laughter that sounds either forced or exaggerated, and that noise carries very well and to me is wicked distracting."


"From a tax/legal perspective, any income is taxable no matter how derived.  On the other hand, if you're asking, ""When has my hobby crossed over from being something that I do on the side to something I should consider doing full-time?""  Different set of answers. Firstly, do you want to place that burden on your hobby?  If you're doing it purely for fun, do you want to ""marry your mistress""? Once you start depending on it for income, the money you earn is no longer fun-money and must now be used to pay legitimate expenses, taxes and other commitments. Secondly, will it support you or will you need other side projects?  Consider your total income package now, including whatever you make from your hobby.  How much would change if you switched your commitments and, perhaps, lost some of that revenue? Lastly, if you started your hobby to be a break from the routine, what will now break you from the routine of your now ex-hobby? All that said, if you're genuinely pleased by the income and overall profitability of the hobby, excited by the opportunities available and see a engaging and stimulating new career ahead of you then go for it."


I can make that election to pay taxes now (even though they aren't vested) based on the dollar value at the time they are granted? That is correct. You must file the election with the IRS within 30 days after the grant (and then attach a copy to that year's tax return). would I not pay any taxes on the gains because I already claimed them as income? No, you claim income based on the grant value, the gains after that are your taxable capital gains. The difference is that if you don't use 83(b) election - that would not be capital gains, but rather ordinary salary income. what happens if I quit / get terminated after paying taxes on un-vested shares? Do I lose those taxes, or do I get it back in a refund next year? Or would it be a deduction next year? You lose these taxes. That's the risk you're taking. Generally 83(b) election is not very useful for RSUs of established public companies. You take a large risk of forfeited taxes to save the difference between capital gains and ordinary gains, which is not all that much. It is very useful when you're in a startup with valuations growing rapidly but stocks not yet publicly trading, which means that if you pay tax on vest you'll pay much more and won't have stocks to sell to cover for that, while the amounts you put at risk are relatively small.


The key to getting a job in college and for the rest of your life is networking and knowing exactly where you want to work not a business card.  During a career fair, recruiters get flocked hundreds of students who don't know shit about the company or industry.  All you need to do is research the company and figure out what makes it better than it's competitors. Then when you talk to a recruiter at the fair, be sure to slip it into the conversation.  Recruiters are looking for people who fit the companies culture. Make sure you structure your elevator pitch in a way that aligns with it perfectly.  If you do these things, I guarantee you will get an interview assuming you have the minimum GPA


"I'm not sure if they're required to do so, but I have been neglecting to sign my cards for some time now.  If they do check, that triggers an ID check, where they'll find my signature.  I know of at least one person that writes ""see ID"" instead of signing their cards.  He began that practice over 10 years ago."


"How is paying a liveable wage ""overpaying"" them? These stores make money hand over fist, and would not be able to do any of that without the help of everyone on the front lines working their ass off. Working an extra 10-20 hours of unpaid overtime for fear of being fired if they don't.  I've got my nice cushy corporate job now, but I have worked at one of these shit holes (target, not walmart) and it is horrifying how they treat their employees."


Canadian Couch Potato has an article which is somewhat related. Ask the Spud: Can You Time the Markets? The argument roughly boils down to the following: That said, I didn't follow the advice. I inherited a sum of money, more than I had dealt with before, and I did not feel I was emotionally capable of immediately dumping it into my portfolio (Canadian stocks, US stocks, world stocks, Canadian bonds, all passive indexed mutual funds), and so I decided to add the money into my portfolio over the course of a year, twice a month. The money that I had not yet invested, I put into a money market account. That worked for me because I was purchasing mutual funds with no transaction costs. If you are buying ETFs, this strategy makes less sense. In hindsight, this was not financially prudent; I'd have been financially better off to buy all the mutual funds right at the beginning. But I was satisfied with the tradeoff, knowing that I did not have hindsight and I would have been emotionally hurt had the stock market crashed. There must be research that would prove, based on past performance, the statistically optimal time frame for dollar-cost averaging. However, I strongly suppose that the time frame is rather small, and so I would advise that you either invest the money immediately, or dollar-cost average your investment over the course of the year. This answer is not an ideal answer to your question because it is lacking such a citation.


From the link posted in the other response, it looks like you with be charged 1.3% of the loan value for MMI.  With an 85% LTV loan, in effect, you are paying 1.3% for the 5% down payment you don't have. Let me offer this with a few numbers. $100K home, $85K loan. 1.3% of $85K is $1105/year in MMI. This is for the fact that you are missing the $5000 extra deposit to get to 80% LTV.  This is over 20% in cost for that missing money. Most credit cards are below this rate. If one were at a 95% LTV, I understand that it might be tough to raise the remaining money needed, but in this case, 5% is so close the fee cost actually becomes absurd.


File a small claims lawsuit in the city that the person resides. The court will charge you a small fee and give you a date. They will also summons the other person to appear.  Bring all the documentation that shows the following BONUS  - Bring the documentation that shows them saying they will not pay you back I had to sue someone once for a very similar problem. I lent them a 6 month interest free loan. They told me to shove it after 6 months and 1 day. So I sued them.  The court should accept facebook messages as proof. More than likely though your friend wont even show up which means you win by default.  Here's the bad news, that was the easy part. Just because you win in court doesn't mean the money appears the next day. There are a couple ways you may have to recover your money. Best of luck to you!


Mango Flavored Gourmet Dietary Supplement Hemp Oil Infused Caribbean Edibles infused full spectrum Mongo flavored hemp oil into all of our organic fruit-flavored products totally masking all of the original hemp taste. Making it a delightful addition to your daily supplement intake. Every drop reminds you of that amazing Caribbean trip took with your loved ones.


So, you are thinking about moving to St. Louis . . . You have made a great decision. St. Louis is known as the Gateway City, which has plenty to offer its residents and visitors, including a large variety of family-friendly activities, amazing entertainment, and a booming nightlife.


Si vous êtes propriétaire d'un hôtel, vous devez avoir un équipement de restauration de classe mondiale pour améliorer la réputation de votre hôtel. Vous pouvez acheter des équipements de restauration en ligne; Il y a tellement d'entreprises qui vendent le meilleur équipement de restauration. Hmfroid est l'une des meilleures entreprises d'entre elles.


"This is why California tax code is even more messed up than the Federal - they take the Federal and then add some. Or remove. Or mix up. Whether your brokerage will send 1099 or not is up to the brokerage. Its a Federal requirement. California may require them to send it out for CA residents, or may not. They may adhere to the FTB, or may not. It doesn't matter to you. You'll have to keep track of the interest and dividends received, cost basis for the securities, etc etc., just as any other brokerage account. You cannot rely solely on the information on the 1099 anyway, since it doesn't include many things you have to take into account for your Federal tax return as well, wash sales (inter-brokerage) being the most obvious example. As to what happens when you're 65 - you'll have to keep track, again, of all the taxes paid, and track your California basis in the account, and your Federal basis in the account, and they will not be  the same. Reconciliation time again when you get there. What a mess. If you move to another state - the taxes you paid to CA are ""lost"".  Similarly, if you move in to California, all the gains prior to moving in are not taxed by California. Whatever happens after - is taxed by CA as if it was a regular investment account."


"Ok hate speech as a crime has to meet very specific criteria. E.g. the group has to be identifiable and your speech has to be unjust, potentialy harmful and generalized. You gave a very good example of that aka the swedish 70 year old lady who said ( i googled the case): "" Muslims burn cars and piss and shit on the streets"" ( this is the message not the actual words was to lazy looking deeper into this). So she DIDN'T say she saw 1 guy pissing in the streets she knows to be muslim or he just looks like one ( how do muslims look by the way. some i know look like seinfeld characters.) She said ALL muslims pissing and shitting in the streets and set cars on fire..... thats a big difference. Comments like this are extremely harmful to the mentioned groups, because innocent people are branded with negative stereotypes. The real world consequence is prosecution and violence which severely limits the freedom of this group. Why do people (fyi ""people"" is not a specific group so no hate speech 😉) not get this. If the same thing happens to a person and not a group it becomes clear: e.g. ""raananh is a liar and steals everything he can and tends to shit on his bosses desk"". This is widely spread and you apply for a job in a law firm. They do not hire you because the boss likes his desk clean. Harm was done to you. You are pissed and righteously sue me because it's illegal to spread untruths about you. You can even do so in the USA 😮OMG FREEDOM OF SPEECH. Sweden does many things right and is to this day one of the most open and free countries."


First, they don't have an obligation to provide a service for a non-customer.  In theory, the could even refuse this service to account holders if that was their business model, although in practice that would almost surely be too large of a turn-off to be commercially feasible.  Non-account holders aren't paying fees or providing capital to the bank, so the bank really has no incentive or obligation to tie up tellers serving them. Maybe as importantly, they have a legitimate business reason in this case as stated.  The fact that the bill passed whatever test the teller did does not, of course, ensure that the bill is real.  They may (or may not) subject it to additional tests later that might be more conclusive.  Making you have an account helps ensure that, in the event they do test it and it fails, that (a) they know who you are in case the Secret Service wants to find you, and (b) they can recover their losses by debiting your account by the $100.  This isn't foolproof since any number of bad things could still happen (identity theft, closing account before they do additional tests, bill passing later tests, etc.), but it does give them some measure of protection.


"Having no utilization makes you an outlier, it's an unusual circumstance for most people, and the scoring model cannot make any predictions based on it. If you think of it from the underwriter's perspective, zero utilization could mean all sorts of things... are you dead? indigent? unable to work?  When you buying a product (like money or insurance) whose pricing is based on risk, being ""weird"" will usually make you a higher risk. That said, it isn't the end of the world. If you are in this situation, I wouldn't lose sleep over it."


In India, assuming that you have already paid relevant [Income/Capital gains] tax and then deposited the funds into your Bank [Savings or Current] Account; there is NO INCOME tax payable for amount.   Any interest earned on this amount is taxable as per Income Tax rules and would be taxed at your income slabs.   Wealth Tax is exempt from funds in your Savings Account. I am not sure about the funds into Current Account of individual, beyond a limit they may get counted and become part of Wealth Tax. More details here http://timesofindia.indiatimes.com/business/personal-finance/Do-you-have-to-pay-wealth-tax/articleshow/21444111.cms


Assuming you purchased shares that were granted at a discount under the ESPP the 50% exemption would not apply. It's pretty unusual to see a US parent company ESPP qualify for the 110(1)(d) exemption, as most US plans provide for a discount


"It's because of poor dieting and lack of exercise that they became fat in the first place. Somehow I doubt the ""best efforts"" are truly that serious if most of the dieting regimens include some supplement or other.   Ultimately, it's just people being lazy. Instead of eating processed garbage with tons of preservatives, eat real natural foods. Instead of sitting on your ass watching tv or playing video games, go out for a run, a bike ride, or even work out in a gym.  No excuse."


With a limited company, you'll have to pay yourself a salary through PAYE. With income from your other job taking you over the higher-rate threshold, you should inform HMRC of this and get a tax code of DO for the second job, meaning 40% tax (and also both employer's and employee's National Insurance) will be deducted from the whole amount of the salary. See here.  Dividends should be like any other dividend -- you won't pay extra tax when you receive them, but will have to declare them on your tax return and pay the tax later. See the official information here. You'll get a £5,000 tax allowance for dividends, but they'll still count as income for purposes of hitting the higher-rate threshold. I think in practice this means the first £5,000 will be tax-free, and the rest will be taxed at 32.5%. But note that you have to pay yourself at least the minimum wage as salary, not as dividend.  I can't see IR35 being an issue.  However, I'm not a professional, and this situation is complicated enough to need professional advice. Talk to an accountant or a tax advisor.


"But if we raise the price of the juicer to something rediculous,  it will seem like a ""premium"" product,  and if we lock our customers into buying their juice from us only, and auto expire the fruit on an aggressive schedule we'll make a ton of money.  It's the hottest trend right now.  We can slap that model on anything and it's guaranteed to make us money,  just like it says in this $80k Power Point deck.  Open source fruit is a thing of the past folks.  Squeezing fruit by hand is for plebians and suckers."


You can statistically estimate the maximal loss/gain over a period of time T by the highest loss/gain during any of the same length time intervals in during the life of the stock. Using logarithmic prices to be more accurate.


A good corollary. That's why HIPAA actually worked, since it imposed direct fines and jail time on personnel responsible. Ever notice how of all the privacy stuff, HIPAA is the only one that's taken seriously?   We need more laws that pierce the corporate veil for intentional malfeasance or gross misconduct.


It's more like, asshats never let the government really try to help these people.   Welfare was reducing poverty up until the early 90's when Clinton significantly reduced welfare benefits. Since then we have only continued the trend.  If you want to say welfare is a failure, you should really limit your data to periods where we were actually providing a realistic amount of aid to families and not the last 20 years where we gave them an increasingly smaller share and wondered why they weren't getting ahead.


I respectfully disagree with @JohnFX's comment regarding new vs used.  (John knows what is talking about though; he gave an awesome answer on buying a car:  What are some tips for getting the upper hand in car price negotiations?) The answer to your question is based on whether or you not you can stand to have a small, loud, cheap but reliable car for the next 10 or 15 years. If you plan to keep your new car until it dies 20 years from now, then a new car can be a fine choice.  I just bought a car and the difference between my 2013 Hyundai and a comparable 2012 Hyundai wasn't much.  Furthermore, it was hard to even find a 2012 (which justifies the higher price from dealerships and the private market).  Doing math in my head told me the reduced usage I will get out of the car wasn't offset by the slightly lower price. Depending on the specific age, insurance on newer cars can be cheaper than insurance on older cars. (But you have to have carry more insurance, so consider that as well.)  There might not be a different between a 2010 and a 2012, but there will likely be for a 2005 and the 2013. New cars can be cheaper to operate.  Lower fuel costs, better safety and possibly pollution costs.  They are tuned up and you know everything about their history. Repairs and factory warranties might not be available on a used car, so if you car turns out to be a problem, your out of pocket is limited. These programs don't mean anything.  Get an independent certified mechanic to check out any used car you buy.  If the dealer won't let you get the car checked out, then they aren't worth your business.  Certified cars don't justify their cost according to consumer reports, they are more for marketing than reliability. Don't waste money on a third party warranty.  Either the car is good and doesn't need it, or it needs a warranty and you shouldn't buy it.  If you new car comes with a factory warranty, that is fine.  Radio host Clark Howard is indifferent if you want to purchase a factory warranty separately, but never a third party. Just out of college, you probably will be better off spending the least amount of money you can for a good used car. If for no other reason, this likely isn't going to be your car in the near future.  (Only you can answer that) If you have a feeling you won't keep your tiny car well into your 30s, then definitely don't buy a new car.   Also, my experience only applies to my make and model.  Certain models of cars keep their value and the difference between new and used isn't much for the most recent model years. But there are many more makes and models that don't pan out that way.


Consider getting yourself a gas card. Use it for a year. Make your payments on time. Then reapply for a credit card.


#####&#009;  ######&#009;  ####&#009;  [**Siberia Airlines Flight 1812**](https://en.wikipedia.org/wiki/Siberia%20Airlines%20Flight%201812): [](#sfw)   ---  >__[Siberia Airlines](https://en.wikipedia.org/wiki/S7_Airlines) Flight 1812__ was a commercial flight shot down by the Ukrainian military over the [Black Sea](https://en.wikipedia.org/wiki/Black_Sea) on 4 October 2001, en route from [Tel Aviv](https://en.wikipedia.org/wiki/Tel_Aviv), [Israel](https://en.wikipedia.org/wiki/Israel) to [Novosibirsk](https://en.wikipedia.org/wiki/Novosibirsk), Russia. The plane, a [Soviet](https://en.wikipedia.org/wiki/Soviet)-made [Tupolev Tu-154](https://en.wikipedia.org/wiki/Tupolev_Tu-154), carried an estimated 66 passengers and 12 crew members. Most of the passengers were [Israelis](https://en.wikipedia.org/wiki/Israelis) visiting relatives in Russia. No one on board survived. The crash site is some 190 km west-southwest of the Black Sea resort of [Sochi](https://en.wikipedia.org/wiki/Sochi) and 140 km north of the Turkish coastal town of [Fatsa](https://en.wikipedia.org/wiki/Fatsa) and 350 km south-southeast of [Feodosiya](https://en.wikipedia.org/wiki/Feodosiya) in [Crimea](https://en.wikipedia.org/wiki/Crimea). Ukraine eventually admitted that the disaster was probably caused by an errant missile fired by its armed forces.  Ukraine ended up paying $15 million to surviving family members of 78 victims ($200,000 per victim).  >====  >[**Image**](https://i.imgur.com/77HfnX0.jpg) [^(i)](https://commons.wikimedia.org/wiki/File:Tupolev_Tu-154M,_Siberia_Airlines_AN0558517.jpg)  ---  ^Interesting: [^List ^of ^airliner ^shootdown ^incidents](https://en.wikipedia.org/wiki/List_of_airliner_shootdown_incidents) ^| [^S7 ^Airlines](https://en.wikipedia.org/wiki/S7_Airlines) ^| [^List ^of ^accidents ^and ^incidents ^involving ^commercial ^aircraft](https://en.wikipedia.org/wiki/List_of_accidents_and_incidents_involving_commercial_aircraft) ^| [^Aviation ^safety](https://en.wikipedia.org/wiki/Aviation_safety)   ^Parent ^commenter ^can [^toggle ^NSFW](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot NSFW toggle&message=%2Btoggle-nsfw+cjmknah) ^or[](#or) [^delete](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot Deletion&message=%2Bdelete+cjmknah)^. ^Will ^also ^delete ^on ^comment ^score ^of ^-1 ^or ^less. ^| [^(FAQs)](http://www.np.reddit.com/r/autowikibot/wiki/index) ^| [^Mods](http://www.np.reddit.com/r/autowikibot/comments/1x013o/for_moderators_switches_commands_and_css/) ^| [^Magic ^Words](http://www.np.reddit.com/r/autowikibot/comments/1ux484/ask_wikibot/)


These unclaimed wages were presumably yours for the taking in Year X when employer paid your other wages.  Maybe this is just about uncashed paychecks.  In that case, they would have appeared on your W-2 for that year.  If you filed your return including that W-2 income, then this is likely not new income. This would be a constructive receipt evaluation.  Income occurs when you have the right to income, whether or not you have actual receipt of it.  For example, if you are paid via cash drops into a piggy bank but you wait a week (for the start of a new tax period) to withdraw your cash from the piggy bank, then the money was constructively received on the day it went into the piggy bank.  This prevents taxpayers from structuring their actual receipt of income, for tax purposes or otherwise, in ways at odds with their true economic position.  You can't delay taxable income that is legally yours simply by refusing to accept it when you have the right to it. The wages were income at the time your employer proffered the paycheck.  You did not cash it, but I suspect that you filed it on that year's taxes.  There's a slight wrinkle that when the check went stale your ability to access the money was not so straightforward.  However, you still had the legal right to the money, so my perspective is that the analysis did not change when the check went stale.


#####&#009;  ######&#009;  ####&#009;  [**Open access (infrastructure)**](https://en.wikipedia.org/wiki/Open%20access%20%28infrastructure%29): [](#sfw)   ---  >  >In the context of [infrastructure](https://en.wikipedia.org/wiki/Infrastructure), __open access__ involves physical infrastructure such as railways and physical telecommunications network plant being made available to clients other than the owners, for a fee.  >For example, private railways within a steel works are private and not available to outsiders. In the hypothetical case of the steelworks having a port or a railway to a distant mine, outsiders might want access to save having to incur a possibly large cost of building their own facility.  >  ---  ^Interesting: [^Open ^access](https://en.wikipedia.org/wiki/Open_access) ^| [^Directory ^of ^Open ^Access ^Journals](https://en.wikipedia.org/wiki/Directory_of_Open_Access_Journals) ^| [^Train ^operating ^company](https://en.wikipedia.org/wiki/Train_operating_company) ^| [^Broadband ^open ^access](https://en.wikipedia.org/wiki/Broadband_open_access)   ^Parent ^commenter ^can [^toggle ^NSFW](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot NSFW toggle&message=%2Btoggle-nsfw+ck1ryej) ^or[](#or) [^delete](http://www.np.reddit.com/message/compose?to=autowikibot&subject=AutoWikibot Deletion&message=%2Bdelete+ck1ryej)^. ^Will ^also ^delete ^on ^comment ^score ^of ^-1 ^or ^less. ^| [^(FAQs)](http://www.np.reddit.com/r/autowikibot/wiki/index) ^| [^Mods](http://www.np.reddit.com/r/autowikibot/comments/1x013o/for_moderators_switches_commands_and_css/) ^| [^Magic ^Words](http://www.np.reddit.com/r/autowikibot/comments/1ux484/ask_wikibot/)


Paying on time is the most critical factor. Paying ahead on the loan will not help you from a credit score POV, but it will not hurt you either. In general, to maintain a good credit history, don't bother focusing on credit scores. Frankly, there is very little reason for you to even know what your score is. Just do the following: Lenders want to deal with people with long histories of paying debts back on time.


Definitely. The only reason I didn't mention banking was because I know there's currently a lot of speculation regarding the impact Brexit will have on financial institutions operating from London.  But the core foundation of banking is still so strong in London. People keep saying London's banking can't survive leaving EU ..... but look at NYC, Geneva, and Singapore - none of them are in the EU and are considered the worlds largest banking capitals.


"Stock prices are set by bidding. In principle, a seller will say, ""I want $80."" If he can't find anyone willing to buy at that price, he'll either decide not to sell after all, or he'll lower his price. Likewise, a buyer will say, ""I'll pay $70."" If he can't find anyone willing to pay that price, he'll either decide not to buy or he'll increase his price. For most stocks there are many buyers and many sellers all the time, so there's a constant interplay. The typical small investor has VERY little control of the price. You say, ""I want to buy 10 shares of XYZ Corporation and my maximum price is $20."" If the current trending price is below $20, your broker will buy it for you. If not, he won't. You normally have some time limit on the order, so if the price falls within your range within that time period, your broker will buy. That is, your choice is basically to buy or not buy, or sell or not sell, at the current price. You have little opportunity to really negotiate a better price. If you have a significant percentage of a company's total stock, different story. In real life, most stocks are being traded constantly, so buyers and sellers both have a pretty good idea of the current price. If the last sale was ten minutes ago for $20, it's unlikely anyone's going to now bid $100. They're going to bid $20.50 or $19.25 or some such. If the last sale was for $20 and your broker really came to the floor and offered to buy for $100, I suppose someone would sell to him very quickly before he realized what an outrageous price this was. I use TD Ameritrade, and on their web site, if I give a price limit on a buy that's more than a small percentage above the last sale, they reject it as an error. I forget the exact number but they won't even accept a bid of $80 if the stock is going for $40. They might accept $41 or $42, something like that."


1768? 1868? 1968?   Actually, the last time France stood up to the USA or UK was during the De Gaulle government, and his government was nearly toppled by the May '68 Paris uprising. Around 1972, pretty much every one in Europe is under US economic and political hegemony.


The benefits and taxes thing, in my opinion is the biggie. Most people don't realize that the cost to the company for a full-time employee with benefits can be 2x or even 3x the amount they see in their paycheck.  Health plans are extremely expensive. Even if you are having money taken from your check for health insurance, it is often just a fraction of the total cost, and the employer is subsidizing the rest.  More expensive benefits that contractors don't typically get are 401K matches and paid vacation days. When contractors call in sick or don't work because it is a national holiday, they don't get paid for that day. Also, see that line on your paycheck deducting for Social security and Medicare? That is only half of the tax. The employer pays an equal amount that is not shown on that statement. Also, they pay taxes that go towards unemployment benefits , and may be required to pay higher taxes if they churn through a lot of full-time employees. You can usually let contractors go with relative impunity . For the unemployment tax reasons, not paying for people's days off or benefits, a lot less paperwork, and less risk to the business associated with committing to full-time employees all provide value to the company. Thus companies are willing to pay more because they are getting more.  Think of it like a cell phone-contract. If you commit to a three year contract it can be a pain/expensive to get out of the deal early, but you will probably get a better rate in exchange for the risk being shifted to your end of the deal.


"You're not the tender soul I was replying to, who goes looking for things to be offended by. But since you apparently recently read an article which makes you an expert..  Clearly military screening is far from perfect.  The suicide rate for all members is higher than average.  Add transgender in and the likelyhood of an incident increases disproportionately.  And that's an interesting spin: it's barring transgenders from the military that makes them suicidal, not the other way around. Got it.   Now factor in the costs of ""sensitivity training"", reassignment surgeries, and the inevitable lawsuits and it's a recipe for disaster."


"> but the buying power of that money can be significantly reduced to the point where it's fundamentally useless, i.e. inter-war Germany and many countries in South and Central America.  That's true, but *how* does that come about? The effect on buying power stems from the level of spending in the present period. Too little leaves you anywhere from outright deflation and contraction to weaker growth falling short of capacity. Too much reaches capacity and keeps spending, bidding up prices and driving down purchasing power.  It has nothing to do with debt:GDP or interest payments.  > Germany managed to skate by by creating a new Deutschmark in a confidence trick, and it worked because Germany is a solid, iron clad manufacturing powerhouse of a lot of stuff.   There are two important differences between inter-war Germany and the US. First is that inter-war Germany *lost a war*. This real shock is kind of important. When you're talking about buying power of money, one side of it is the amount of money in circulation but the other side of it is how much real output there is to buy and German real output capacity collapsed after the war. Their most productive regions were occupied territory and they were no longer a powerhouse manufacturing a lot of stuff, driving down the value of their currency.  So lesson number one from Germany: real output collapse harms your currency.  The second problem is that losing a war left Germany saddled with war reparations denominated in foreign currency. When you're on the hook for something you don't print you're in a situation where you can run out of money and that's exactly what happened to them. They tried printing more of their own currency to buy the foreign stuff with but that quickly drove down the value of German currency.  So lesson number two from Germany is you don't want to be on the hook for a currency you don't issue.  Put the two together and you have a real supply shock + foreign-denominated debt eviscerating the buying power of German currency. It wasn't debt:GDP but the real basis for their economy collapsing out from under them pushed along by a need for foreign currency.  >My question is, at what point do we engage Washington's unlimited money printing presses until we reach that point?  In answer to your question, the printing presses are what funds the real economy. The worry in terms of avoiding ""that point"" is in making sure we keep that real economy productive and fully funded. Ironically, taking our eye off the ball to focus on budget balance at the expense of real output pushes the economy in the direction you're afraid of going. See also: the euro zone today."


(I am making the assumption that this is a US based question). Keep in mind that the alternative is to amend your tax forms from 2010, and 2011. The IRS and the State will want their money, they might not to wait for 78 paychecks. That is 3 years.  Ask for lots of documentation, so you understand what they are doing.


For such a short timeframe, I'd have it in the currency (euros) you need, and in a savings account. The 5 months is not a time to 'invest' this money. Even 2-4 years would suggest just a CD or short term Government bond.


According to PayPal, if he or she used a credit or debit card, then yes.


"> In a far more measured and responsible way.  How about some specifics? You're pushing freedom of choice of government as a superior alternative to what we have. Surely you must have a deeper thoughts about a basic division of resources question than a Trump ""it's gonna be great, the best"" answer.  So, five governments in the USA: Are you going to have five different militaries or one combined one? I see catastrophic flaws with either approach so tell me how this could work."


">I think you mean: 60% of all mortgages on homes in Nevada are underwater. Not every home has a mortgage, so it's not 60% of the homes, it's 60% of the mortgages.  Spot on. In the US typically somewhere around 30% to 40% of homes have no mortgage at all (i.e. 100% equity by the owners).  So... *IF Nevada follows the US average* (which it may not, having a lot of new developments) then 60% of 60%/70% would be somewhere between 36% to 42% of homes.  That of course, is still HUGE -- if even 10% of homes in a locale are ""distressed"" sales, it is enough to drive prices down.  But another caveat is that just because a place is ""underwater"" does not mean that it has a HIGH negative equity -- point of fact is that ANY home bought with an LTV mortgage or a really low down payment (i.e. 0% to 10% down payment) is probably underwater from day one and remains pretty close to that for the first couple of years.   Why? Because typical realtor fees are around 6%, and closing costs are easily another couple of percent, add in that with a self-amortizing loan that very little equity is built up in the first few years, and any loss for aging and owner ""cash out"" equity can easily be near zero or negative.  (That's one of the reasons you shouldn't buy unless you are planning on living somewhere for at least 5 years, because it takes that long to ""recoup"" the realtor & closing costs -- ergo the whole ""flipping"" phenom is in and of itself a sign that a market is in a speculative bubble.)"


There are some nuances with HCE definition. To answer your questions. It's compensation as defined by the plan. Usually it's gross comp, but it can exclude things like fringe benefits, overtime pay, commissions, bonuses, etc. The compensation test is also a look-back test, meaning that an EE is determined to be an HCE in the current year if their compensation in the previous year was over the limit. I'm not sure how stock options affect this, but I expect they would be counted. Probably have an ESOP plan at that point too which is a whole other can-o-woms. The 5% owner test applies to the current year and also has a one-year look-back period. If at ANY point, even for a day, an employee was more than 5% owner, they are HCE for that year and next. Yes there is a limit. A company may limit the amount of HCE's to the top 20% of employees by pay like Aganju said. They can also disregard employees that may otherwise have been excluded under the plan using statutory exclusions. Example, they can disregard employees under 21 years and with less than 1 year of service. Hahaha, the IRS does not like to concisely define things. You can look here, that's probably as concise as you'll get. Hope this helps!


The best thing to do to avoid this is not to sell as you've described. What purpose does it solve? If you're speculating, set a price at which you want to cash out and put a limit order. If you're a long term investor, then unless something fundamental has changed - why would you sell?


I'm not the one making some grand speech protecting rich people from paying their employees higher wages.  You need to calm down and accept the fact that wages can't support our economy, and defending that is defending actions that harm the economy.


On the off chance that you are experiencing issues getting pregnant, before you see an infertility authority you need to ensure you are boosting your odds of pregnancy. Various things, from how to getting pregnant and when you engage in sexual relations to way of life rehearses you ought to or shouldn't do, can influence pregnancy achievement. Remember that inconvenience considering can be because of elements influencing the two ladies and men. ven in the event that you aren't having richness issues, it might take up to a year to get pregnant under typical conditions.


Hideaway Bahamas Beach Club provides luxurious vacation rental in Freeport. Our Freeport Bahamas rentals include villas, beach cottages, houses, apartments and other accommodations. The rentals are located in the secluded places and provide privacy, best views and convenient access to the beach and the ocean. They are newly renovated and fully furnished to provide the best accommodation in Grand Bahamas.


Investopedia has definitions for both: Debenture: A type of debt instrument that is not secured by physical asset or collateral. Bond: A debt investment in which an investor loans money to an entity (corporate or governmental) that borrows the funds for a defined period of time at a fixed interest rate. Wikipedia's entry for debenture says: In some countries [debenture] is used interchangeably with bond, loan stock or note. Seems to me that there's not much difference.


Very true. I work in corporate finance and the hours are typically 9-6, but when we have our annual operating plan or some sort of deliverable we'll stay past 8.  But here, because analysts get overtime (time and a half) we rarely work past 10 (anything past 12 hours in double time!)  The work life balance is quite fantastic! However, the pay is not what it would be if you chose banking or consulting (it's comparable $60k but no bonuses).


"Economist [Mark Weisbrot](https://www.theguardian.com/commentisfree/cifamerica/2011/apr/27/china-imf-economy-2016),  > It is true that the ""market rate"" measure is better for some comparisons. **But one important place where the PPP measure is more relevant is in military spending.** The cost of producing a military plane and training a pilot in China is much lower than in the United States.   > Washington's current policy is to maintain military supremacy in Asia, but an arms race with China could make the cold war look cheap by comparison. The Soviet Union's economy was just a quarter of United States' economy when we had that arms race. If the US were to have a serious arms race with China, we could forget about Medicare, social security and most of what our federal government spends money on."


So, nefarious plan, or just a set of circumstances that happen to be in their favor and need changed?  From these articles, it looks like it is just a set of circumstances that Amazon has had the opportunity to take advantage of.  If we're going to blame the government for a set of circumstances, as if it were a nefarious plan, let's talk again about the set of circumstances that keep poor people poor . . .


I think there's also a stigma applied to trade work being some bastion of guranteed economic vitality. The reality of the situation is that trade work is cyclical in nature, backbreaking, and is not nearly as lucrative as it used to be back before unions started dissolving their power


It's not going to create much jobs.   Foxconn originally want to automatic all its factories in China but Chinese government veto that idea.   Now, state of WI and US government gave Foxconn free money to build a factory here. Foxconn is going to automatic the heck of its factory here. [Foxconn CEO does not like its employees](http://www.businessinsider.com/foxconn-employees-animals-2012-1).


Oh I don't think its about money, though Saudi's show the middle finger to US sanctions opens the way for many more countries to do business with Russia and the economic benefits thereof. It the world telling America its opinion no longer matters  This is about Russia exposing an American Israeli nexus in the Middle east and spreading terrorism and wars because of Israeli influence. That is far more damaging because when its just America and the Fed and Israel left and no one to buy those funny money US treasuries, because a confused America and an Apartheid Israel can't sell US $ 20 trillion of debt to each other


When using the Stochastic Indicator your basic aim is to buy (go long) when the stochastic becomes oversold (goes below 20%) and then the %K line crosses above the %D line at a market low, and to sell (go short) when the stochastic becomes overbought (goes above 80%) and then the %K line crosses below the %D line at a market high. Other indicators or candlestick patters can also be used to further confirm the trade. Below is a chart of a trade I recently took on GUD.AX using the Slow Stochastic in combination with support and resistance levels as well as a candlestick pattern.  When I conducted my stock search on the evening of 28th July 2015, GUD was one of the results from the search that I particularly liked. The Slow Stochastic had just made a crossover in the oversold area just as the price was bouncing off its recent lows at the support line. But what I really like about this opportunity was that there was also a bullish reversal candle (a Hammer) at this short term market bottom. The high for the day was $8.34, so I placed a stop buy order to buy the stock tomorrow if the price opened or moved above this high of today. So I would only buy if the stock hit or moved above $8.35 during the next days trading. So if the stock opened and stayed below the previous day's high I would not buy the stock and my order would be canceled at the end of the day. This is very important because it stops you from getting into trades that don't go in the direction you want. If this happens then you could check the chart again after market close to see if it is still worthwhile to place a new order for the next day. On the 29th July 2015 the stock did open higher at $8.42 (which is where my order got executed) and closed at $8.46. So I ended up buying slightly above my target price but it did move higher on the day, so a successful entry overall. I had placed my initial stop loss at $8.09 (just below the low of the previous day of $8.10). If the trade had gone against me in the following days the most I would have lost was 1% of my total account capital. My target for this trade was $9.86 (just below the resistance line near $10), which would represent a 5% gain against my total account capital (or approx. 16.7% gain on the trade). So my win to loss ratio was 5:1. As you can see from the chart, the next day gapped up at the open and prices continued moving up strongly during the day. The next day was a slightly negative day, and then a few days later, on the 5th August 2015 my target price of $9.86 was reached (with a high of $9.88 for that day), so my order was closed for a total profit of 16.7% on the face value of the trade. However, as I bought on margin (using CFDs) my actual profit on the initial margin I had invested was 167%. My total time in the trade was 7 days, and I spent about an hour in the evening doing my searches and placing my orders, then less than 10 minutes managing the trade each evening after market close. The stock did go up a bit further after my profit target was reached, but the day after that the price started to fall as the price hit the resistance line and the Slow Stochastic did a crossover in the overbought area. Overall, this was a very ideal trade and I was very happy with it. Not all my trades reach my profit targets and I may get stopped out at a smaller profit or I might make a small loss (as I move my stops up as the price moves up). The key to successful trading over the long term is to keep you losses small and let your profits run (with my longer term trend trading I don't have profit targets and let my profits run until I get stopped out, but with my shorter term trading I do use a profit target usually 5 or 6 times the size of my initial stop). If you have an average win to average loss ratio of 3:1 or higher and have a success rate of 50% winners you will make money over the long term.


"Mathematically it seems like the expected rate of return, whatever that might be, is the same for both. An aggressive strategy is higher risk and higher reward. A conservative strategy is lower risk and lower reward. That is not true.  Roughly, the mathematical analogue of ""higher risk and higher reward"" is ""higher standard deviation and higher mean"".  In other words, the aggressive strategy does have a higher expected rate of return (higher mean).  Its disadvantage is that it has a higher likelihood of incurring intermediate losses (and/or higher magnitude of intermediate losses) on the way. This is classically illustrated with the following chart -  from Vanguard. You can see that the average return is greater the riskier the portfolio (i.e., the more allocated to stocks relative to bonds), but this higher average return comes at the price of a greater range of possible returns.  With an aggressive portfolio, you take a greater risk of losses at any given moment for a greater chance of gains over a long period. Given this, it should be obvious why the advice is to be aggressive early on.  Early in life, you don't care about whether your current position is up or down, because you're not taking the money out.  If your portfolio is down, you just leave the money in there until it goes back up again.  Later in life, you need to spend the money; you now care about whether your current position is up or down, because you can't afford to wait out a down market and may have to realize a loss by selling. It's important to note that the expected return is always greater for a higher-risk portfolio, as is the expected risk; the expected rate of return doesn't magically change as you age.  What changes is your ability to absorb losses to hold out for later gains."


For the consumer but he lost money on a b2b transaction .  All said I was very surprised. I'm starting my own business in china and know a lot of successful people here and i could never imagine them doing that


There are many other good answers here, but I just wanted to note that it could be dangerous to rely on the changes in alimony and child support that you've mentioned. You have no way of predicting if your ex will lose her job or take the kids back more of the time. If you already have a house and mortgage and all of a sudden alimony and child support go up again, you could be in big trouble. Congrats on everything getting better, it sounds like you're dealing well with a crappy situation. Good luck!


"And one would pause his day for a moment and shout  ""Yahooooo""  These bankers deserve it and with less bankers, there would be less fraud and one would continue with his day, except for the bad feeling in his stomach  Hmmmm . . .I wonder which 30% . . .the Madoffs and shecklestiens or Mr. Joe and Jane everyday at minimum wage . .  Looks like poor Joe and Jane get dicked out of a job and poor things never have the opportunity for fraud . . .  Wait a minute . . .whats that favorite phrase that Bankers love  ""I didn't know""  Oh shit . .now its going to become  ""The Robot did it""  Damn . . .fucked again"


When you borrow from a bank, there are secured loans, as with a mortgage, or unsecured lines of credit, usually a more reasonable amount of money, but also based on income.  You just asked about a private loan. It depends on the person and your relationship. If you need money to pay the rent, you might not be the best person to lend money to. If you ask a friend or relative, they may lend you money without asking its purpose.


There are several major US banks including Bank of America, citi and Banco Popular that will open an account for people without a SSN. Most will require an in branch visit to open the account.   As some one else mentioned American Express will open accounts in other countries based on an existing relationship or at least they used to.


Indeed, there is conservation of money.  If the insurance companies have those big buildings and television commercials and CEOs, then that money comes from only one place: the insurance premiums of customers.  To say insurance is a good deal is either The benefit and cost of insurance for most: Indeed, of all the answers here, James Turner's is best.  If you can't afford to lose something, it is vital to insure it.  Ideally insurance would be a non-profit operation to best cover this.  Such that people would as a whole lose nothing.  Theoretically it could even be slightly for profit by making wise investment decisions, and benefiting from the future value of money by beating inflation.  But they don't (see this writeup for slightly dated information on health, and this Wikipedia article for more direction). But even if you are taking an average loss (by using a profit-making insurance company), by taking insurance you avoid the situation where you're crippled by a catastrophe.  You are paying a fee to hedge your losses.  Like James said, insure what you cannot afford to lose.  But realize you're going into a situation where the overall net is an average loss of between 10-50% of your money, on average.  Basically you're playing the lottery, except your net losses mostly go to fund the company and the CEOs rather than nominally support education. But you sounded like you understood those ideas well, so...   Can you self insure? As others noted, yes, there is the option of self insurance in most places.  Even even often when insurance is considered as required.  For example, in the US, basically car insurance coverage is required.  But generally you are legally able to self insure to cover this requirement:   The cost of self insuring: There is one cost to self-insure: time.  It takes time to research the laws, time to to satisfy those requirements, and then time to find/setup all the care providers (doctors, mechanics, lawyers, etc). When is it worth it?  First, again, you must satisfy the prerequisite: you are able to financially handle the loss of the topic under consideration. At a commenter's request, here is an attempt to better spell out this requirement (though it doesn't appear pertinent to the question asked, it is indeed very important not to mistakenly assume you satisfy this requirement). Can you comfortably cover the level of insurance you would otherwise be taking out.  $50,000/$100,000/$50,000 is a common reasonable insurance level, so that would be $200,000.  Basically, have enough money to cover the loss of your car, your possible injury expenses, and most importantly the damage and medical of anyone else you hit.  You would need to have that value available, optimally in your accounts.  Alternatively, you could weigh it against your assets, such that if you had low accounts but a paid off $200,000 house, you could conceivably sell your property and still be able to survive financially afterwards.  However, it is indeed dangerous to make this assumption, as there may be additional costs and troubles in selling assets, and you may fail to recognize how precious the property is to you.  Having at least double or triple in property you'd be willing to part with might be a more comfortable number.  Again, the main idea is: can you afford to lose the insured value tomorrow?  Though you hope it wouldn't happen, if someone came and took $200,000+ of yours tomorrow, would you be able to adjust to it relatively easily?  If the answer is yes, you've satisfied this requirement.  In many states it's easier to understand whether you can meet this requirement: it instead becomes can you take out the liability bond required. If you've met that requirement, then it comes down to the time you'd lose versus the savings you'd gain.  To get a fair idea, you'll need: The premium you would pay to purchase the insurance: Since you are likely losing 10-50% of your premiums, it should be fair to make a rough estimate of value lost by using 25% for most purposes (especially given that this still ignores the future value/opportunity cost of your money, which could often be 5-10% if invested well) The value of your time:  You must properly identify either:   A rough estimate of how much time it will take you to research the legal requirements and meet them, and then to research/handle the subsequent needs that come up which the insurance would take care of in an average year.  So try to balance those typical years where you wouldn't have a lot of work to do with a year where you'd need to call repair mechanics or find health practitioners.  Perhaps aim high, research/calling usually takes more time than we think.   Is this calculation positive? Your estimated net annual benefit (or cost) from self insuring is: 0.25 * (Insurance Premium Per Year) - (Estimated Value of Your Time)*(Estimated Hours Of Work\Research to Self-Insure Per Year)  This is a rough estimate.  But if the result is quite positive (and you can afford to cover the hit the insurance would otherwise cover), you're likely better off self-insuring. If the result is quite negative (or you can't cover the possible costs insurance would cover), you're probably better off buying insurance. Finally, indeed there are still a few other factors on each side to consider... Most often those additional pluses and minuses probably are smaller than the primary cost/benefits spelt out earlier.  But if you're rich enough to have the money, you're in a situation where you can likely sacrifice a little income to have your peace of mind.  So there's certainly a lot to consider in it.  But if you're a self starter, I believe you're right that you'll find it's more worthwhile to self-insure if you indeed have the resources.


How is that someone can make a machine that removes lids from jars for $19 and these guys couldn't make a machine that squeezed a fruit bag for less than $400?   I also sense that they had a very big challenge in making those bags. Buying the food, processing it. That takes work. A lot of work!!! Even just getting a steady stream of consistent food would be a challenge let along stuffing it into a bag.   Besides, what does this get you? if the juice is squeezed on site, is it better than juice squeezed a week ago and sealed in a glass jar? I don't think so.   Lastly, juice is just fortified sugar. Fructose. You lose a lot of the  real nutrients by not using the pulp.   This must have looked amazing on paper, much like the Segway, but in reality they just couldn't pull it together.


lol? Yes, it can hurt European corporations but it'll affect the Russian people at least as much. Was this really the best area of business they could think of? It's kind of a big deal.  Edit: I think [this theory](http://www.reddit.com/r/business/comments/2d5iq2/russia_imposed_a_complete_embargo_on_food_imports/cjmafl7) is good. Frustration can help Putin point out scapegoats, because frustrated or angry people is, as history tells with  too much clarity, very easy to manipulate. Like scarily easy.


In order to see whether you can buy or sell some given quantity of a stock at the current bid price, you need a counterparty (a buyer) who is willing to buy the number of stocks you are wishing to offload. To see whether such a counterparty exists, you can look at the stock's order book, or level two feed. The order book shows all the people who have placed buy or sell orders, the price they are willing to pay, and the quantity they demand at that price. Here is the order book from earlier this morning for the British pharmaceutical company, GlaxoSmithKline PLC.  Let's start by looking at the left-hand blue part of the book, beneath the yellow strip. This is called the Buy side. The book is sorted with the highest price at the top, because this is the best price that a seller can presently obtain. If several buyers bid at the same price, then the oldest entry on the book takes precedence. You can see we have five buyers each willing to pay 1543.0 p (that's 1543 British pence, or £15.43) per share. Therefore the current bid price for this instrument is 1543.0. The first buyer wants 175 shares, the next, 300, and so on. The total volume that is demanded at 1543.0p is 2435 shares. This information is summarized on the yellow strip: 5 buyers, total volume of 2435, at 1543.0. These are all buyers who want to buy right now and the exchange will make the trade happen immediately if you put in a sell order for 1543.0 p or less. If you want to sell 2435 shares or fewer, you are good to go. The important thing to note is that once you sell these bidders a total of 2435 shares, then their orders are fulfilled and they will be removed from the order book. At this point, the next bidder is promoted up the book; but his price is 1542.5, 0.5 p lower than before. Absent any further changes to the order book, the bid price will decrease to 1542.5 p. This makes sense because you are selling a lot of shares so you'd expect the market price to be depressed. This information will be disseminated to the level one feed and the level one graph of the stock price will be updated. Thus if you have more than 2435 shares to sell, you cannot expect to execute your order at the bid price in one go. Of course, the more shares you are trying to get rid of, the further down the buy side you will have to go. In reality for a highly liquid stock as this, the order book receives many amendments per second and it is unlikely that your trade would make much difference. On the right hand side of the display you can see the recent trades: these are the times the trades were done (or notified to the exchange), the price of the trade, the volume and the trade type (AT means automatic trade).  GlaxoSmithKline is a highly liquid stock with many willing buyers and sellers. But some stocks are less liquid. In order to enable traders to find a counterparty at short notice, exchanges often require less liquid stocks to have market makers. A market maker places buy and sell orders simultaneously, with a spread between the two prices so that they can profit from each transaction. For instance Diurnal Group PLC has had no trades today and no quotes. It has a more complicated order book, enabling both ordinary buyers and sellers to list if they wish, but market makers are separated out at the top. Here you can see that three market makers are providing liquidity on this stock, Peel Hunt (PEEL), Numis (NUMS) and Winterflood (WINS). They have a very unpalatable spread of over 5% between their bid and offer prices. Further in each case the sum total that they are willing to trade is 3000 shares. If you have more than three thousand Dirunal Group shares to sell, you would have to wait for the market makers to come back with a new quote after you'd sold the first 3000.


It's not rocket science. Verizon, for example, runs a 6% margin. Finances of huge corporations are quite public.  Sure, the telcos could invest more into wireless infrastructure, but it's not like these companies aren't operating at close to their capacity.  And when you look down a rung on the ladder at tower companies, they're heavily leveraged and generally in debt due to expansion that they hope will pay off in the future.  The way you see it discussed on reddit, you would think that we could have 100% 7g coverage if it wasn't for corporate greed, but in reality these companies are already running at very high speeds and make liberal use of leverage and debt to expand as quick as they can.


Well, the government pays them more to leave a field fallow than to grow something different.   A good business practice would be to grow something else when the profitability of what you are growing doesn't meet your needs, not do nothing and get a subsidy check.


That last one. The government should subsidize the cost of maternity leave (and mandate paternity leave). It's not fair for women not to have equal employment opportunities, but it's also not fair to force businesses to shoulder the cost of providing leave to mothers who might not even come back anyway. The best solution is to have taxes pay for some of that cost.


It's not pre-tax but you can consider some short term municipal bonds. The interest is tax free. I would keep to short term ones (1 year maturity), so that you aren't affected by big swings in interest rates and can get your money back within a year.


Its definitely safe. Should be no question there. But it's still gross.  I'm extremely sympathetic to your latter point. I've worked in butcheries and it drives me nuts when people act like trimmings are somehow some awful thing that shouldn't be eaten (if I had a nickel for every time someone complained about kobe burgers...). The ammoniating process is gross though. I don't even mind the high pressure water used to clean the carcasses, but the processing after that is gross. There are other options to not waste that meat. IMO and all that's what stocks are for, though there's a huge financial difference between using that meat for stocks and using it in grind. There are also alternative means of ensuring safe product. Purely culinarily speaking I don't think grind is the appropriate usage, but hypothetically an emulsified product  (i.e. hot dogs) would be reasonable. But the product that's actually made is pretty gross. Smells awful, and tastes awful. It really isn't fit for human consumption, and only works because it's sufficiently diluted.


I agree it's crony capitalism. I think people should make that clear instead of just saying capitalism. All those things you mentioned are from the government. Corporations will try to make profit, that's what they're suppose to do. I mean, nobody blames apple for making shit tons of money.   The politicians are the ones that need to stop selling out America for their own benefits. They're  the ones that doesn't allow buying health insurance across state lines. They're  the ones that won't let car manufacture sell directly to consumers. They're the reason I can only get Comcast. You think I love Comcast?   Can't blame capitalism for shitty politicians.  Love the debate though.


Think of it this way: C + (-P) = forward contract. Work it out from there. Anyways, this stack is meant for professionals, not students, I think.


News-driven investors tend to be very short-term focussed investors. They often trade by using index futures (on the S&P 500 index for instance).


https://en.m.wikipedia.org/wiki/United_States_Postal_Service  > [The Postal Service] has continuously failed to manage its budget properly, to the tune of $5 to $10 billion dollar deficiets every year with a total mail volume that has declined 29% between 1998 and 2008.  Problem -- the government is offering a service at great expense that people do not want and other private entities can do much faster and more efficiently at orders of magnitude less cost to their customers.  The obvious solution -- privatize  The governments solution -- placate the gov employees union and continue to fund the postal service as it repells customers and posts 5 to 10 billion dollar deficiets.  For me, this is not a question of what solutions can be found within the government. Government itself is the problem, this is merely a case study as to why I do not feel it can be trusted with greater authority over the production and distribution of goods and services in the economy.


This may be a controversial opinion, but I think this makes great business sense.  They found that the cost of running two battery production lines (60 & 75) exceeded the cost of providing the slightly more expensive battery for every S60 customer.  They also gain the benefit of enriching the resale market and providing customer choice.  I don't think that most people here realize that 'software locking' functionality is a very common practice across manufacturers and industries to reduce manufacturing costs and provide customer options.  What is rare is the ability to 'unlock' after purchase.  For example, my last VW was a golf and it shared the same MCU with several other VW lines, including more expensive offerings with more premium features.  One of these premium features is a package that enables you to roll your windows up and down from your key fob by holding the unlock or lock button, but my car did not come with that option (in fact, no Golf at the time came with it).  The package was not *enabled* but the software and hardware was there.  You can grab yourself a USB-OBDII cable and VCDS software and go enable it yourself (and a number of other nice features).  All of this said, I think we are in the early days of DLC.  Remember when you could by a full game for $50 and play it for a year and *then* some dlc would come out and give you reason to play again for $5 or $10?  Then companies (cough EA cough) came along and started to make the DLC part of what you needed to have the full experience on day 1?  Yea, that is bad.  I am in support of what Tesla has done so far, but the second they (or possibly another manufacturer looking to capitalize on the idea of DLC) starts removing standard bits to make them post-facto addons, we may be getting into a bad place.


1)  I can and have argued that no act can be seen as purely altruistic.  You can always find an edge where the person gains something.  2) Brownie Points?  Really?  I now think you are an ardent Republican who listens to Fox News.  Why?  Because my parents are ardent Republicans and they, too, like to talk about how “everyone else” wants brownie points and participation trophies.  I am not a Republican or a Democrat or a Libertarian.  None of those groups are trying to solve problems.  They just make loud statements.  I am just me, trying to ACTUALLY find a better way to do things.


Curious: Why don't banks have their ATMs running on a bare bones distro of Linux like Arch?  IMO It would be far more secure and with the right kind of training for the maintenance staff, would actually be easier to maintain.  I mean, it's not like they can't get access to top notch counsel from tech industry heavy weights.


"I don't buy the ""house prices will always increase due to the increased cost of raw materials"" argument. In a lot of countries you will find that the cost of (re)building a property is substantially lower than its perceived sale value. If it wasn't, there would be no incentive for developers to take the risk of buying the land and building houses on it. Say the cost of building the house is 50% of the sale price (which might already be generous). Materials probably account for half of the building cost so you've got 25% tail wagging 75% dog? I'd start to worry if people buy property as a get rich quick scheme, which seems to be what you're describing."


Assuming you're in the US, you can file complaints against financial institutions (including debt collectors) through the Consumer Financial Protection Bureau. The link to debt collector complaints is: http://www.consumerfinance.gov/Complaint/#debt-collection


I have had a couple of businesses do this to me.  I simply ask them to come over to talk about the bill.  Sometimes this ends it.  If they come over then I call the cops to file a report on fraud.  A lot of times the police will do nothing unless they have had a load of complaints but it certainly gets the company off your back.  And if they are truly unscrupulous it doesn't hurt to get a picture of them talking with the police and their van, and then post the whole situation online - you will see others come forward really quick after doing something like this.


I don't really have a huge issue with that because most of the time third-party shipping is shitty and ends up costing more anyway, and with a select few exceptions, it's the same price you'd pay in a store.  I'm good with same/one day shipping being priced in at the same rate as third party ground shipping.


so you and your friend are trying to make a federal case over the fact that he's going to have to pay $1-3 in a month's time?   [they had this rather popular series of self-help books a while back.](http://www.amazon.com/Sweat-Small-Stuff---small-Series/dp/0786881852/ref=sr_1_1?ie=UTF8&qid=1339809567&sr=8-1&keywords=don%27t+sweat+the+small+stuff) perhaps the two of you should explore it.


"There are a lot of unintended consequences of fairly arbitrary IRS guidelines when it comes to 401Ks, they both close and create tons of loopholes and many companies are left to implement their own policy around these laws. Ultimately what you are left with are a lot of random things, interpreted differently by every single company in the country, that aren't directly codified by the IRS or Congress. If you have a choice regarding what brokerage firm manages your 401(k), then just call around. Be sure to ask the pencil pusher on the phone to double check because they might say ""OF COURSE you can get paperless statements it is 2015"" but then when you sign up it becomes ""ooohhh sorry due to recent guidelines this kind of account isn't eligible for paperless statements"""


The answer is to your question is somewhat complicated. You will be unable to compete with the firms traditionally associated with High Frequency Trading in any of their strategies. Most of these strategies which involve marketing making, latency arbitrage, and rebate collection. The amount of engineering required to build the infrastructure required to run this at scale makes it something which can only be undertaken by a team of highly skilled engineers. Indeed, the advantage of firms competing in this space such as TradeBot, TradeWorx, and Getco comes from this infrastructure as most of the strategies that are developed are necessarily simple due to the latency requirements. Now if you expand the definition of HFT to include all computerized automated trading you most certainly can build strategies that are profitable. It is not something that you probably want to tackle on your own but I know of a couple of people that did go it alone successfully for a couple of years before joining an established firm to run a book for them. In order to be successful you will most likely need to develop a unique strategies. The good news is because that you are trying to deploy a very tiny amount of capital you can engage in trades that larger firms would not because the strategies cannot hold enough capital relative to the firms capital base.  I am the co-founder of a small trading firm that successfully trades the US Equities and Equity Derivatives markets. A couple of things to note is that if you want to do this you should consider building a real business. Having some more smart brains around you will help. You don't need exchange colocation for all strategies. Many firms, including ours, colocate in a data center that simply has proximity to the exchanges data centers. You will need to keep things simple to be effective.  Don't except all the group think that this is impossible. It is possible although as a single individual it will be more difficult. It will require long, long hours as you climb the algorithmic trading learning curve. Good luck.


You can avoid companies that might go bankrupt by not buying the stock of companies with debt. Every quarter, a public company must file financials with the EDGAR system called a 10-Q. This filing includes unaudited financial statements and provides a continuing view of the company's financial position during the year. Any debt the company has acquired will appear on this filing and their annual report. If servicing the debt is costing the company a substantial fraction of their income, then the company is a bankruptcy risk.


Included in our everyday living goes out the house and purchase different things which our family desires. But since the economy isn't doing well right now, considering the best dividend stocks is vital. One factor that must be taken into consideration could be the expense.   If you are knowledgeable with getting what you see without even looking at the sale price, you should customize the way you live your life. Patience is extremely important for you to be able to find the best dividend stocks. If possible, you need to look for a less costly alternative on the costly items you used to buy. Be persistent and also save money!


How are they amazing? Tesco and Sainsbury's are as cheap, if not cheaper, and their own brands are better than Asda's.  As for online ordering and delivery Tesco wins at the moment as their new Club card system just pops all the discounts and coupons there for you to see and use. No more typing in codes or having to remember to use them.


They made their money one of two ways.  Either they got a commission from the original owner (similar to how a buyer's agent in a real estate transaction gets a commission from the original owner of the house and/or a share of the seller's agent's commission), or they actually participated in the transaction directly (buying from the original owner, selling to you at a higher price). Storing it in the vault free of charge of course has an expectation that a certain percentage of those who do so will use that broker to complete the eventual sale.


i dont suppose elon's intention is to make money. which ironically is one of the reasons he will succeed. turning a quick buck business model wont work for an industry disrupter like telsa. right now they are getting the early adopters to fund the tech for more readily affordable cars. the money made is reinvested in r&d. they need a few breakthroughs before things take off, its a long term strategy. investing in tesla isnt for everybody, but the few people with enough forsight to put some money into this concept could be looking at very large gains. its kinda like investing in apple when steve jobs was just a crazy smelly hippy.


"How about #9 - Honesty?  A lack of honesty between you and your employees can destroy your morale and increase turnover.  If you're laying employees off, don't sugar coat and lie about why it's happening, just be straight forward - ""Times are tough, we need the money so we make the quarterly earnings and meet shareholder expectations"" - not ""We're re-aligning our core competencies to better focus on our mission statement""  If you've ever had a boss outright lie to you and you knew it was a lie, you immediately lose respect for them and your perception of them is changed forever."


If the funds are in NRE account, then there is no issue. You just instruct your bank in India to transfer. If your tax status in India is Non-Resident Indian, you should not be holding a normal Savings bank account.  Under the liberalized remittance scheme you can transfer upto 2,50,000 USD per year. You would need to instruct your bank in India to initiate a international wire transfer. The FAQs are here


It takes a long time to bring these sort of cases to trial because of their complexity and the large sums of money that companies have to delay the process. It takes political will to go after these types of crimes. From the politics to building a case, it just seems to me that five years is a very short time frame.   I don't know how or why it was set at five years, but due to what we know now, it might  be a better idea to extend the statue, if the pros outweigh the cons.


Ultrasound machines have enhanced extremely in terms of ultrasound imaging resolution, digital capabilities and ease of use. We can now clearly visualize small structures that we were unable to visualize ten years ago. The reason behind is that computers and ultrasound machines have followed a similar trend in terms of decreasing in size at the same time as increasing in power.


Fare basis is but one component of domestic US air carrier upgrade considerations, and that will always be trumped by status.  A top-tier elite traveling on a discount fare will always be upgraded over someone with no-status flying on a full-fare ticket.


"If your friend is loaning you KRW which you are then converting to USD, then there are tax implications.  This would be a Section 988 transaction so ""gains"" or ""losses"" made during repayment (partial or complete) due to fluctuations in exchange rate would be treated as ordinary gains or losses. For example, imagine you borrow 100,000 KRW and, at the time you borrow it, this is worth exactly 100,000 USD.  At some future point, you repay 20,000 KRW.  If the exchange rate at that point is such that 20,000 KRW is worth 15,000 USD, then the IRS sees that you have ""gained"" 5,000 USD in ordinary income.  This is a particular concern if the loan is a mortgage and you refinance the mortgage at a moment in time with a more ""favorable"" exchange rate than the exchange rate when you first got the mortgage. See http://www.investopedia.com/terms/s/section-988.asp for some additional discussion."