If you're worried about volatility, and you're in mostly long positions, you should be looking to diversify your portfolio (meaning, buying some stocks that will do better in a bear market) if it's not already diverse, but you shouldn't be looking to abandon your positions, unless you anticipate a short-term need for cash.  Other than that, you may want to hold off on the short-term positions for a while if you're concerned about volatility, though many traders see volatility as a great time to make money (as there is more movement, there's more opportunity to make money from mispriced stocks in both directions).  Unless you think the market will be permanently down due to these reasons, anyway, but I don't see any reason to believe that yet.  Even World War Two wasn't enough to permanently hurt the market, after all! Remember that everyone in the market knows what you do.  If there were a sure thing that the market was going to crash, it already would have. Conservative positions tend to involve holding onto a well diversified portfolio rather than simply holding onto cash, unless the investor is very conservative (in which case the portfolio should be cash anyway). The fact that you say this is your rainy day fund does make me a little curious, though; typically rainy day funds are better in cash (and not invested) since you might hit that rainy day and need cash quickly (in which case you could take significant losses if the time isn't right).


It depends on the loan contract if this is even possible, and also if it is the default.  Banks of course prefer to use those extra payments against ‘future payments’, meaning you are giving them interest-free money upfront, to apply against your next requirement payment. That is of course very bad for you, as you do not only save no interst, but also lose the cash-flow. Most (but not all) contracts do allow prepayments, but many require you to explicitly specify that you want the extra applied against the principal.


Yahoo! was in tough to begin with, and I certainly don't think you can peg the security breaches on her. Having said that, I've heard negative things about policies she instituted that alienated longstanding staff members (a not-so-unbiased ranking system).   Either way, it's really hard to justify that salary.


Aside from all the pop culture bias against the big chains, a Whopper is actually a damn good hamburger, and a Big Mac is also good in it's own way.  But Americans eat too much unhealthy fast food in general, so it's good to see that fast food as a whole is declining in popularity.  It should be enjoyed as an occasional splurge, not for everyday meals.


"Here are some important things to think about.  Alan and Denise Fields discuss them in more detail in Your New House. Permanent work.  Where do you want to live?  Are there suitable jobs nearby?  How much do they pay? Emergency fund.  Banks care that you have ""reserves"" (and/or an unsecured line of credit) in case you have a run of bad luck.  This also helps with float the large expenses when closing a loan. Personal line of credit. Who are you building for?  If you are not married, then you should consider whether building a home makes that easier, or harder.  If you hope to have kids, you should consider whether your home will make it easier to have kids, or harder.  If you are married (or seriously considering it), make sure that your spouse helps with the shopping, and is in agreement on the priorities and choices.  If you are not married, then what will you do if/when you get married?  Will you sell?  expand?  build another house on the same lot?  rent the home out? Total budget.  How much can the lot, utilities, permits, taxes, financing charges, building costs, and contingency allowance come to?  Talk with a banker about how much you can afford.  Talk with a build-on-your-lot builder about how much house you can get for that budget.  Consider a new mobile or manufactured home.  But if you do choose one, ask your banker how that affects what you can borrow, and how it affects your rates and terms.  Talk with a good real estate agent about how much the resale value might be. Finished lot budget. How much can you budget for the lot, utilities, permits required to get zoning approval, fees, interest, and taxes before you start construction? Down payment.  It sounds like you have a plan for this. Loan underwriting.  Talk with a good bank loan officer about what their expectations are.  Ask about the ""front-end"" and ""back-end"" Debt-To-Income ratios.  In Oregon, I recommend Washington Federal for lot loans and construction loans.  They keep all of their loans, and service the loans themselves.  They use appraisers who are specially trained in evaluating new home construction.  Their appraisers tend to appraise a bit low, but not ridiculously low like the incompetent appraisers used by some other banks in the area.  (I know two banks with lots of Oregon branches that use an appraiser who ignores 40% of the finished, heated area of some to-be-built homes.)  Avoid any institution (including USAA and NavyFed) that outsources their lending to PHH. Lot loan.  In Oregon, Washington Federal offers lot loans with 30% down payments, 20-year amortization, and one point, on approved credit.  The interest rate can be a fixed rate, but is typically a few percentage points per year higher than for a mortgage secured by a permanent house.  If you have the financial wherewithal to start building within two years, Washington Federal also offers short-term lot loans.  Ask about the costs of appraisals, points, and recording fees. Rent.  How much will it cost to rent a place to live, between when you move back to Oregon, and when your new home is ready to move into? Commute.  How much time will it take to get from your new home to work?  How much will it cost?  (E.g., car ownership, depreciation, maintenance, insurance, taxes, fuel?  If public transportation is an option, how much will it cost?) Lot availability.  How many are there to choose from?  Can you talk a farmer into selling off a chunk of land?  Can you homestead government land?  How much does a lot cost?  Is it worth getting a double lot (or an extra large lot)? Utilities. Do you want to live off the grid?  Are you willing to make the choices needed to do that?  (E.g., well, generator, septic system, satellite TV and telephony, fuel storage)  If not, how much will it cost to connect to such systems?  (For practical purposes, subtract twice the value of these installation costs from the cost of a finished lot, when comparing lot deals.) Easements. These provide access to your property, access for others through your property, and affect your rights.  Utility companies often ask for far more rights than they need.  Until you sign on the dotted line, you can negotiate them down to just what they need.  Talk to a good real estate attorney. Zoning. How much will you be allowed to build?  (In terms of home square footage, garage square footage, roof area, and impermeable surfaces.)  How can the home be used?  (As a business, as a farm, how many unrelated people can live there, etc.)  What setbacks are required?  How tall can the building(s) be?  Are there setbacks from streams, swamps, ponds, wetlands, or steep slopes? Choosing a builder.  For construction loans, banks want builders who will build what is agreed upon, in a timely fashion.  If you want to build your own house, talk to your loan officer about what the bank expects in a builder. Plansets and permits.  The construction loan process. If you hire a general contractor, and if you have difficulties with the contractor, you might be forced to refuse to accept some work as being complete.  A good bank will back you up.  Ask about points, appraisal charges, and inspection fees. Insurance during construction.  Some companies have good plans -- if the construction takes 12 months or less.  Some (but not all) auto insurance companies also offer good homeowners' insurance for homes under construction.  Choose your auto insurance company accordingly. Property taxes. Don't forget to include them in your post-construction budget. Homeowners' insurance.  Avoid properties that need flood insurance.  Apply a sanity check to flood maps -- some of them are unrealistic.  Strongly consider earthquake insurance.  Don't forget to include these costs in your post-construction budget. Energy costs.  Some jurisdictions require you to calculate how large a heating system you need.  Do not trust their design temperatures -- they may not allow for enough heating during a cold snap, especially if you have a heat pump.  (Some heat pumps work at -10°F -- but most lose their effectiveness between 10°F and 25°F.)  You can use these calculations, in combination with the number of ""heating degree days"" and ""cooling degree days"" at your site, to accurately estimate your energy bills.  If you choose a mobile or manufactured home, calculate how much extra its energy bills will be. Home design.  Here are some good sources of ideas: A Pattern Language, by Christopher Alexander.  Alexander emphasizes building homes and neighborhoods that can grow, and that have niches within niches within niches. The Not-So-Big House, by Sarah Susanka.  This book applies many Alexander's design patterns to medium and large new houses. Before the Architect.  The late Ralph Pressel emphasized the importance of plywood sheathing, flashing, pocket doors, wide hallways, wide stairways, attic trusses, and open-truss or I-joist floor systems.  Lots of outlets and incandescent lighting are good too.  (It is possible to have too much detail in a house plan, and too much room in a house.  For examples, see any of his plans.) Tim Garrison, ""the builder's engineer"".  Since Oregon is in earthquake country -- and the building codes do not fully reflect that risk -- emphasize that you want a building that would meet San Jose, California's earthquake code."


"Yes you can add it there. You can also add it to the ""gross receipt line"". Note that you do not have to list where it came from, just the total."


You've learned a lesson: research your opportunities well so you don't get burned again. Luckily this is your sophomore and your internship experience will help you get better positions this summer and and next summer. Try to stick it out. Remember that sales is a numbers game and that a dozen rejections is not the end of the world.


You dislike Facebook because everyone is on Facebook, which means idiots are on Facebook, and Facebook is a forum, which means that the idiots on Facebook have a platform for their idiocy, which of course they use, which gets picked up, which gives pretty much everyone the impression that Facebook is where idiots go to be idiotic, which isn't really fair to Facebook or for that matter to idiots, but it's the impression that everyone gets and impressions form the basis for opinions.


Right there with you.  It drives me crazy watching those commercials with the cute talking babies telling the average person they can take control of their own future and open a trading account.    A few months ago I met someone at a bar who worked customer support for a large company with lots of individual traders.  I asked him what percentage of his client accounts actually made money and he guessed only a few.  The company got paid either way (commissions).  What a scam.


I'm not criticizing you for not paying for the Washington Post, you have to allocate your resources based on your priorities and it sounds like you're doing it logically.   My objection is to that it's overpriced. It's provides a service, both to the reader and society that is other with at least $8/month. That doesn't mean everyone ought to purchase the service based on some social obligation, just that it's reasonable price for what they do.


We already have remote-controlled drone planes. It's entirely conceivable that in the near future, airlines might have a tiny staff of pilots in a room on the ground, there to take over remotely if there's something odd happening, but otherwise letting the planes fly themselves.  EDIT: Commercial planes are all fly-by-wire anyway, so if there's an instrument failure you're screwed anyway, whether there's a pilot physically there or not.


"Why ""lab meat"" is ""terrible""?   Do you know that cows, sheep, farm pigs, goats, chicken, etc are artificial animals that not one of them exist in nature? They are all genetically modified from some original 10,000 years ago (except the Turkey, discovered when America was discovered, and in less than 200 years, a farm-Turkey does not even resemble a wild Turkey.)  Do you prefer pregnancy, birth, labor intensive, antibiotics, diseases, feeding, slaughtering, butchering, etc involved in raising a cow until it becomes a hamburger on your plate?  Once people thought that Coca Cola, Cigarettes, etc are the best for them... because of Marketing.  With proper and simple truthful marketing, people would prefer lab meat compared to farm meat."


"Yeah, that's pretty much what I read. ""Bloomberg said..."" oh, okay, it must be the EXACT OPPOSITE of what he said. Pretty much.  I can see a need for visas in a few cases. Namely, positions in which the pool is so small that there are not 600 openings in the entire country, LET ALONE 6,000 at one company. I'm talking positions so exclusive that you can list all the candidates in the world in what would pass for an anemic travel brochure at first glance.  Most of these are just companies saying ""We don't want to pay market price for employees, so we'd rather import."" Well, tough shit."


Why are self checkout lanes always available? Because people don't want the do extra work.  Sure this is coupd be a good idea in a small convenience store setting, but not a large grocery store.  It just seems like a complete logistical nightmare, especially with produce.  With massive upfront construction costs or refit costs, and then add in the new maintenence, preventative maintenance, and monitoring costs.  Do you truly see savings when cashiers are cheap?  On top of everything, you are still going to have lines.  A week''s worth of groceries doesn't bag itself.


"First of all, bear in mind that there's no such thing as a risk-free investment. If you keep your money in the bank, you'll struggle to get a return that keeps up with inflation. The same is true for other ""safe"" investments like government bonds. Gold and silver are essentially completely speculative investments; over the years their price tends to vary quite wildly, so unless you really understand how those markets work you should steer well clear. They're certainly not low risk. Repeatedly buying a property to sell in a couple of years time is almost certainly a bad idea; you'll end up paying substantial transaction fees each time that would wipe out a lot of the possible profit, and of course there's always the risk that prices would go down not up. Buying a property to keep - and preferably live in - might be a decent option once you have a good deposit saved up. It's very hard to say where prices will go in future, on the one hand London prices are very high by historical standards, but on the other hand supply is likely to remain severely constrained for years to come. I tend to think of a house as something that I need one of for the rest of my life, and so in one sense not owning a house to live in is a gamble that house prices and rents won't go up substantially. If you own a house, you're insulated from changes in rent etc and even if prices crash at least you still have somewhere to live. However that argument only works really well if you expect to keep living in the same area under most circumstances - house prices might crash in your area but not elsewhere."


A bit of poking around brought me to this thread on the Motley Fool, asking the same basic question: I think the problem is the stock price. For a stock to be sold short, it has to be marginable which means it has to trade over $ 5.00. The broker, therefore, can't borrow the stock for you to sell short because it isn't held in their clients' margin accounts. My guess is that Etrade, along with other brokers, simply exclude these stocks for short selling. Ivestopedia has an explanation of non-marginable securities. Specific to stocks under $5: Other securities, such as stocks with share prices under $5 or with extremely high betas, may be excluded at the discretion of the broker itself.


Bought 2400 at .02. Getting half out if it gets to .24   Update: I saw it rising fast so I switched my limit from .24 to .30 and it reached exactly .30 this morning. Just dumb luck. Hanging onto the other shares. Will still come out on top even if it crashes.


"As usual, you're again wrong :""http://askville.amazon.com/opt-out-Social-Security-system/AnswerViewer.do?requestId=1338366""  and [here](http://www.usatoday.com/money/perfi/columnist/krantz/2011-04-27-opting-out-of-social-security_n.htm) and [here](http://dailyreckoning.com/opt-out-of-social-security/) and [here](http://www.crown.org/library/viewarticle.aspx?articleid=690) and.... well, about everywhere shows you to be wrong again. Google finds this quite easily.  So although there are a few classes of people who can opt out, the average person, and the vast majority of Americans, *cannot opt out* since they do not meet the criteria.  Most people *cannot* opt out of SS since they *are required by law* to pay FICA by the IRS, as stated in the wall of text you copied without understanding.  > **Seriously, you need to learn how to use google asshole. Stop looking like an idiot and posting blatent lies.**  How's that ignorance feel now? :)"


"I'm sorry for the confusion.  I believe the link attached to ""The Baja Condo fiasco"" outlines it there.  But here is more info. Note: his daughter said this speaking on his behalf.  Trump said nothing to correct it - until the lawsuits started of course.  [Here is an LA Times article]  (http://articles.latimes.com/2009/mar/07/business/fi-trump7/2)   His DAUGHTER Ivanka Trump said in 2007 that her father ""is the boss"" when asked about his role in the project. ""He is involved in every capacity,"" she said.  [From Bloomberg](http://www.bloomberg.com/apps/news?pid=newsarchive&sid=amZyVmUO5gJU) Buyers were led to think that Trump played an active role in development and held an equity stake, and that his children Donald Trump Jr. and Ivanka Trump, executives in his company, had bought condo units, the suit claims.  Irongate also concealed from condo buyers that it failed to obtain construction financing after credit markets unraveled last year, while continuing to withdraw their deposits from escrow accounts, according to the complaint. The defendants allegedly set up a shell company in Mexico to deflect liability.  >...but sometimes investments are lost, for a variety of reasons.  I totally agree with you.  Trump just happens to have a consistent record for ripping people off.  Over 17 times (that I can count) in less than 14 years.  I won't bore you with it but check out his latest ""money making"" project in Tampa.  Investors screwed - he makes his money and hides behind the ""tools"" of the law.."


Have you considered having a partnership program with local builders? Send them literature on the steps and common mishaps. Then share their contact information when someone orders in their area. This should help minimize errors during installation.   Out of curiosity, how much space is required for storing 10 units? How much weight are we talking about?


"First off, I originally brought up Wells Fargo to show that big banks may not want to open the floodgates for lower level employees and management to have free reign to profit off customers in less than responsible ways. I didn't mean or want to get into a debate about past govt. oversight of Wells Fargo's practices. [But to your point:](https://www.housingwire.com/articles/39782-cordray-answers-charges-that-cfpb-didnt-take-lead-on-wells-fargo-scandal)  >He explained that the bureau first received a whistleblower tip in July 2013. The exposé by the LA Times wasn’t published until December. > >Cordray did add that the LA Times coverage was a “splendid piece of investigative reporting” and that investigative reporting often aides government investigations. > >After that first whistleblower tip, Cordray explained that the Wells Fargo case over time grew into something bigger. > >As the CFPB watched Wells Fargo through 2014 and 2015 in supervisory activity, it became clear the situation was serious enough to migrate into an enforcement action, he said.  I'm not sure what you're talking about here:  >And what are you talking about freedom to ""compete"" against the big guys? What are you even talking about and how is that freedom threatened?  I'm saying they *will* have freedom to compete in ways that may have negative impact on clients who have chosen to move their investments from bigger banks to smaller ones.  As for the list of ""positives"" you gave surrounding this bill, [there are also negatives:](http://fortune.com/2017/06/07/financial-choice-act/)  >Congress this week is considering the Choice Act, which would roll back regulations enacted after the 2007 financial crisis, particularly those designed by the Consumer Financial Protection Bureau (CFPB). Yet, the legislation goes even further and limits consumer access to information that could help them make better choices. > >One of the hallmarks of conservative regulatory philosophy is that educated and empowered consumers are preferable to government bureaucrats, regulations, and prohibitions. Yet, the conservatives in the House of Representatives appears ready to pass the CHOICE Act this week and in the process legally prohibit publishing data the government collects on consumer complaints on financial services. This is a mistake and would cost consumers and businesses. It would also go against the universal values of fair markets and informed consumers.  But [this](https://www.nytimes.com/2017/06/08/business/dealbook/house-financial-regulations-dodd-frank.html) is what I find most concerning:  >The bill would also eliminate the Labor Department’s fiduciary rule, which requires brokers to act in the best interest of their clients when providing investment advice about retirement. The first parts of the rule are scheduled to go into effect on Friday. The rule was completed last spring under Mr. Obama after years of development.  My point, before you started arguing something different, was that larger banks often *need* the oversight conducted by their customers and the government in order to help them nip bad practices in the bud before it becomes a much larger issue. This may not be as much of an issue for smaller banks, but in the end, they all deal in the same industry and present the same danger to their customers if things go bad and employees don't take their intrinsic fiduciary responsibility seriously."


"Eh, I'm sure their revenue model realies on ""gym membership"" behavior in that most people will not use the service much after the first month or two, and they won't cancel because it's only 10 bucks. The other revenue stream will be selling viewing and personal data of it's customers.  Still most likely doomed, but their model isn't pure crazy sauce."


It's the kick ass part I'm worried about! I can kick ass when it's a simple matter of defending my principles or close ones, but managing other people like this will be a new challenge altogether. I guess I have to try first!


It's the equivalent of you being required to keep some of your savings in a near-zero percent interest savings account vs. being able to invest and grow that capital.   Even if the capital requirements were peeled back slightly, (most) banks still hold more than enough capital to absorb extreme losses.  Net/net the economy is safer, but less robust than it could be.


Yeah but he's also creating a huge opportunities for people to sell using Amazon and reach millions of people.   Cannot comment on the net impact of putting businesses out of business and creating new opportunities for business but you should consider both sides of what Amazon is.


AdrianaJewelry, manufactures jewelry made from the expensive metal at affordable prices and provide in the market. We also provide our all jewelry design on the internet. Our best product is the Miraculous gold necklace, which can you get at an affordable price.The jewelry that we wear today has come a long way, but the basic elements are still there. The greatest leap has been in the jewelry specially designed for men and women.


But the tax isn't paid for in a commodity, like the one you're describing.  It's paid for in paper, that the government has a monopoly on printing.  Private roads in the past were built using silver and gold as compensation, and the tolls were that, as well.  Taxation is mass-extortion, not a voluntary contractual interaction.


A few years ago, I had the rare opportunity to take advantage of a credit card offer. Specifically, a 10% cash back deal on purchases at drug stores or supermarkets. The offer was limited to 90 days, so during that time, I bought 100 cash gift cards at my local CVS.  Over the next year to use them all, when they dropped to a balance under $5 or so, I signed in to my cable TV account and charged the remaining balance there. No bothering a supermarket clerk, or store owner.


"We raise beef cattle.  Over the last few years I've seen a growing number of farmers going back to rotational grazing and abandoning the large scale mowing of hay for winter feeding.  We have always used a simple rotation, most farmers do, but simply adding one field more to the rotation has cut the amount of hay we need in half.  Our results have been good, so we're going to do more in the future while increasing the size of the herd at the same time.  We're likewise looking for ways to reduce petroleum based fertilizers via manure, plant species previously considered invasive or not of use, and someday I'll probably look into multispecies grazing seriously.  This is a good article.  The black or white duality is bullshit.  There are plenty of ways to increase efficiency without the extremes of ""industrial ag"" or ""vegan hippy farm""."


I'm not specifically referring to forced acceptance of returns. You can produce a product that's excellent with minimal quality issues, but it doesn't mean that Costco won't squeeze you out on other things. In the end it's a numbers game, and the vendor will always lose when the performance of their product begins to drop, regardless of quality issues. That's when the large retailers start squeezing you.


How long is a piece of string?  This will depend on many variables. How many trades will you make in a day? What income would you be expecting to make? What expectancy do you need to achieve? Which markets you will choose to trade?  Your first step should be to develop a Trading Plan, then develop your trading rules and your risk management. Then you should back test your strategy and then use a virtual account to practice losing on. Because one thing you will get is many losses. You have to learn to take a loss when the market moves against you. And you need to let your profits run and keep your losses small. A good book to start with is Trade Your Way to Financial Freedom by Van Tharp. It will teach you about Expectancy, Money Management, Risk Management and the Phycology of Trading. Two thing I can recommend are: 1) to look into position and trend trading and other types of short term trading instead of day trading. You would usually place your trades after market close together with your stops and avoid being in front of the screen all day trying to chase the market. You need to take your emotion out of your trading if you want to succeed; 2) don't trade penny stocks, trade commodities, FX or standard stocks, but keep away from penny stocks. Just because you can buy them for a penny does not mean they are cheap.


HQ-Translators is your go-to company if you are looking for accurate translation services. Staffed with qualified and experienced linguists, HQ-Translators could cater to people who need help in translating documents into different languages like Spanish, Italian, German, and so much more. For more information about this company and the services they offer, visit their website, https://hq-translators.com.


Instead of going to the dealership and not knowing if you will be able to get a loan or what the interest rate might be, go to a local credit union or bank first, before you go car shopping, and talk to them about what you would need for your loan.  If you can get approval for a loan first, then you will know how much you can spend, and when it comes time for negotiation with the dealer, he won't be able to confuse you by changing the loan terms during the process.  As far as the dealer is concerned, it would be a cash transaction. That having been said, I can't recommend taking a car loan.  I, of course, don't know you or your situation, but there are lots of good reasons for buying a less expensive car and doing what you can to pay cash for it.  Should you choose to go ahead with the loan, I would suggest that you get the shortest loan length that you can afford, and aim to pay it off early.


"Exactly. I'll ""retire"" from teaching in two years and will be given the chance to take half of my retirement in one lump sum payment and take home $1,000 a month, or take nothing and bring home 2,000 a month. The other thing to remember is the 30% tax payment that next April. That's tough.   This looks like a no-brainer because in just seven years, I'd eclipse the cash out. However, I might do it because I'll take the money and possibly pay off a rental home. With a rental, I'll be able to raise the rent if inflation kicks in. Of course, if deflation continues, that might be a bad move. The thing is, I'll be able to decide."


"Wealth gained hastily will dwindle  but whoever gathers little by little will increase it. Proverbs 13:11 (ESV) Put another way...  ""Easy come, easy go"" You cannot sustain 100% annual ROI. Sooner than you think you will hit a losing streak. Casinos depend on this truth. You may win a few rolls of the dice. But betting your winnings will eventually cause you to lose all."


I'm a senior near getting my BS in Finance,  is getting my series 7 before I graduate feasible/ a good idea? I would like to move into investments upon graduating.  I currently work as a Teller for BB&T (southern regional bank).  Thanks for your help!


Your logic is correct, you are making a bet that pays 1:10K odds for $2.  The likelihood of the event is certainly much lower, certainly several orders of magnitude lower (Probably around 1:10,000K).  So it is a bad deal and yes it seems like a lottery ticket is a much better deal.  Especially when you consider that you will be alive to enjoy the proceeds of the lottery ticket! If you have the option of purchasing this insurance, don't. If you need life insurance, then purchase it without conditions and clauses.  Your dependents will need the proceeds regardless of how one passes.


December, 7, 2011 ( 01:40 pm) :- Reliance industries buy which is chain by Mr. Mukesh Ambani, company planes to offer 4 G services as a low Cost by which they help the growth of Indians.  Company plans to launch their tab around Rs 3500 & with data download or uploading facility for 10 Rs of every 1 GB.  If company able to provided all there technology, Reliance will be the next year favorite stock for many investors.  But now, Reliance have strong resistance at Rs XXX & support at Rs XXX above this trend bullish side.


Reading and analyzing financial statements is one of the most important tasks of Equity Analysts which look at a company from a fundamental perspective.  However, analyzing a company and its financial statements is much more than just reading the absolute dollar figures provided in financial statements: You need to calculate financial ratios which can be compared over multiple periods and companies to be able to gauge the development of a company over time and compare it to its competitors. For instance, for an Equity Analyst, the absolute dollar figures of a company's operating profit is less important than the ratio of the operating profit to revenue, which is called the operating margin.  Another very important figure is Free Cash Flow which can be set in relation to sales (= Free Cash Flow / Sales).  The following working capital related metrics can be used as a health check for a company and give you early warning signs when they deviate too much: You can either calculate those metrics yourself using a spreadsheet (e.g. Excel) or use a professional solution, e.g. Bloomberg Professional, Reuters Eikon or WorldCap.


Any car manufacturer that undercuts their own dealer network would have that network fall apart quickly.  Tesla is using a dealer-free distribution model from the start, so they don't have that problem.  Toyota doesn't work that way, though. GM imposed a uniform no-haggling policy with their Saturn brand, but that policy was coupled with local monopolies for dealers to make it work.  Lexus has also experimented with no-haggling and online ordering (with delivery still taking place at a dealership).  The rest of Toyota doesn't work that way, though. Some car manufacturers, such as BMW and Audi, allow you to take delivery of your new car at the factory for a discount. But even then, the transaction still takes place through a dealer.  Toyota doesn't work that way, though.  For one thing, they work at a different scale.  If you buy a Camry in the US, it might be produced in Kentucky, Indiana, or Aichi, depending on business conditions. You say that you want to cut out the middleman, but the fact is that you do require someone to deliver a Toyota to you, like it or not. If you're interested in saving money, consider trying various well documented tips, such as negotiating by e-mail before showing up, pitting dealerships against each other.  If you don't want to negotiate, you might be able to take advantage of pre-negotiated dealer prices through Costco. You mentioned that the dealership offered you a 7.99% interest rate for your 710 FICO score.  That sounds insanely high — I'd expect deals more like 2% advertised by buyatoyota.com.  (Remember, Toyota Motor Credit Corporation exists to help Toyota Motor Corporation sell more cars cheaply.)  You can also seek alternate financing online (example) or through your own bank.


"Completely false. I recognize the impact that energy has on everyday life across the globe. Your reasoning is fundamentally flawed because you think oil or ""oil lust"" is the reason. The desire for cheaper energy is the driving factor, it just so happens that oil is the cheapest. If the roles were reversed and solar was more profitable, there would be the exact same counter movement in support of oil. You don't understand the rules of the game and that's why you're willing to throw billions of other people's dollars at the problem to change the rules to fit your desires.   And you can prove me wrong right now for calling you an uniformed ideologue by just saying, ""it's about being as efficient as possible to produce the most energy for people to live their lives. No one person or industry should have an advantage over someone else; therefore all energy subsidies should be eliminated in the interest of progress."" But you won't."


"BBB seals/badges are about as useful as GoDaddy Site Seal badges... which is to say not at all. The public doesn't understand them, and the ones that would be swayed by them would most likely also be swayed by a self made JPG that you make that looks ""official""."


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My biggest concern here would be internet access.  Even though it's technically 'illegal,' we saw cable companies throttle Netflix when they felt threatened.    Youtube still relies on Comcast/Verizon or ATT/Uverse to provide internet to people's homes.  If they want to really accelerate this process, they should ramp efforts to get more cities integrated with Google Fiber.


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In the second year the £15,000 from the first year will still earn interest, and any new money you put in will also earn interest from the time you deposit it.   All the interest is tax free.


I'm not sure if this is what your looking for but my favorite piece of work was credit card fraud and ways banks are preventing it.   Topics included:  -Family's at risk (who has the most risk?) -Credit card strip vs chip -Cost on chip scanners for local businesses -Apple Pay and the likelihood of getting hacked -Insurance and how it will cover a business with out chip readers -example of chipotle and target getting hacked -bitcoin and is it an easier source   I wrote a paper about 4 years ago, and it had multiple finance topics involved into it.   Hope this at least gives you a direction of what your looking for !


In the unlikely event that it passes, it will just make things a bit worse and hopefully help erode support for our buffoon-in-chief and his lousy economic policies.    Unfortunately, since both parties are pro-rich, it will just help another set of lousy economic policies take it's place.


For some very small private companies I know of (and am part of), paper stocks do exist. You can sit at the table with the damn things in your hand and wave them in people's faces.  They tell everyone how much of the company you own as a result of the money you ponied up. On the other hand, most stocks are now electronic. Nothing to hold. Just electronic records to review. They still represent how much you own of the company because of some amount of money you have put at risk, but they aren't anywhere near as much fun as the old-fasioned paper proofs. (As MrChrister notes, you can pay a small fee to get paper if you like, even for some big companies. Some of these paper stocks are remarkably elaborate and fine looking, but hardly necessary.) (You can see more info about what stocks are and what sort of stocks exist here: http://www.wikinvest.com/wiki/What_is_a_stock%3F)


"What I've found works best when working on my personal budget is to track my income and spending two different ways: bank accounts and budget categories. Here is what I mean: When I deposit my paycheck, I do two things with it: It goes into my checking account, so the balance of my checking account goes up by the amount of my paycheck. I also ""deposit"" the money from my checking account into my various budget category balances.  This is separate from my bank account balances.  Some of my paycheck money goes into my groceries category, some goes into clothing, some into car fuel, entertainment, mortgage, phone, etc.  Some goes into longer range bills that only happen once or twice a year, such as car insurance, life insurance, property tax, etc.  Some goes into savings goals of ours, such as car replacement, vacation, furniture, etc. Every dollar that we have in a bank account or in cash in our wallets is also accounted for in a budget category.  If you add up the balances of our bank accounts and cash, and you add up the balances of our budget categories, they add up to the same number. When we make a purchase, this also gets accounted for twice: The appropriate bank account (or cash wallet) balance gets reduced by the purchase amount. The appropriate budget category gets reduced by the purchase amount. In this way, we don't really need to worry about having separate bank accounts for different purposes.  We don't need to put our savings goal money in a separate bank account from our grocery money, if we don't want to.  The budget category accounting keeps track of how much money is allocated to each purpose.   Now, the budget category amounts are not spent yet; the money in them is still in our bank account, and we can move money around in the categories, if we change our mind on how to allocate them.  For example, if we don't spend all of our gas money for the month, we can either keep that money in the gas category, or we can move it to a different category, such as the car replacement category or the vacation category.  If the phone bill is more than we expect, we can move money around from a different category to cover it. Now, back to your question: We allocate some money from each paycheck into our furniture category.  But the money is not really spent until we actually buy some furniture.  When we do, the furniture category balance and bank account balance both go down by the amount of the purchase. All of this can be kept track of on the computer in a spreadsheet.  However, it's not easy to keep track of so many categories and bank balances.  An easier solution is custom budgeting software designed for this purpose.  I use and recommend YNAB."


Do we need WW3? Yes, like we need a hole in the head.   The *last* thing we need is to divert more resources to producing war materiel. We should actually reduce our MIC-related output and instead make shit that people can actually use, like computers and food and books and and telephones.


Do you think your 403b will earn more than the mortgage interest rate?  If so, then mortgage seems the way to go. Conservative investment strategies might not earn much more than a 3-4% mortgage, and if you're paying 5-6% it's more likely you'll be earning less than the mortgage. From another point of view, though, I would probably take a loan anyway just from a security standpoint - you have more risk if you put a third of your retirement savings into one purchase directly, whereas if you do a 10-15 year loan, you'll have more of a cushion.  Also, if you don't outlive the mortgage, you'll have had use of more of your retirement income than otherwise - though I do wonder if it puts you at some risk if you have significant medical bills (which might require you to liquidate your 403b but wouldn't require you to sell your house, so paying it off has some upside). Also, as @chili555 notes in comments, you should consider the taxation of your 403(b) income.  If you pull it out in one lump sum, some of it may be taxed at a higher rate than if you pulled it out more slowly over time, which will easily overwhelm any interest rate differences.  This assumes it's not a Roth 403(b) account; if it is Roth then it doesn't matter.


This IS a stock split. http://en.wikipedia.org/wiki/Stock_split Ratios of 2-for-1, 3-for-1, and 3-for-2 splits are the most common, but any ratio is possible. Splits of 4-for-3, 5-for-2, and 5-for-4 are used, though less frequently. Investors will sometimes receive cash payments in lieu of fractional shares.


My experience (two purchases, Ontario, Canada) is that the property taxes are paid   by whomever is the owner on the date the tax bill comes due.  The bill might be due before the owners even decide to sell.   However: A part of the closing process is a Statement of Adjustments, in which various costs that span the tenure of two owners are split on a per-diem basis.  In your case, there would have been a charge against you of 2/365 of the tax bill on this statement at the time of closing (if you hadn't paid any 2014 taxes) The statement also includes things like flat-rate water bills, monthly cable bills, security system monitoring...  All paid by one owner or the other, but split fairly on a per diem basis at the time of closing...


You can contribute to both but the total contribution is capped: More than one plan. If you contribute to a defined   contribution plan (defined in chapter 4),   annual additions to an account are limited to the   lesser of $53,000 or 100% of the participant's   compensation. When you figure this limit, you   must add your contributions to all defined contribution   plans maintained by you. Because a   SEP is considered a defined contribution plan   for this limit, your contributions to a SEP must   be added to your contributions to other defined   contribution plans you maintain. Source: https://www.irs.gov/pub/irs-pdf/p560.pdf on page 6.


The Net Present Value calculation would need to include 1) payments on the debt of $50 million (negative future cashflows) 2) returns from the project (positive future cashflows)  If both of those things are taken into account and the NPV is positive then the project could be accepted.


Buy a textbook used in an MBA program at one of the name brand schools.  Then just basically copy that shit putting in your own data.  Hire someone to make a slick logo.  The banker will think you are Jesus Christ come back to earth to save us all.  I'm not joking.


You mentioned you have a bunch of credit cards with no balance, while others have fairly high balances I would not recommend you to close the 0 balance credit cards if they have lower APR. You can transfer the balance to those cards with lower APR. Now, if those 0 balance cards do not have lower APR, closing them will reduce my overall balance and hurt my credit rating and that is true, assume that you mean overall credit line instead of overall balance. But to my understanding, if you keep the payments good and on time, that effect is only temporary, and therefore you can definitely close them.  Don't forget, paying off your balance can also lower your utilization rate and therefore increase your credit ratings, and you can focus more on that instead. Also larger number of accounts with amounts owed can indicate higher risk of over-extension, therefore you should pay off your low balance accounts first, and do not open new credit accounts until you have paid off the current balance.


In some states, it is your responsibility to pay the sales tax on a transaction, even if the party your purchase from doesn't collect it. This is common with online purchases across state lines; for example, here in Massachusetts, if I buy something from New Hampshire (where there is no sales tax), I am required to pay MA sales tax on the purchase when I file my income taxes. Buying a service that did not include taxes just shifts the burden of paperwork from the other party to me. Even if you would end up saving money by paying in cash, as other here have pointed out, you are sacrificing a degree of protection if something goes wrong with the transaction. He could take your money and walk away without doing the work, or do a sloppy job, or even damage your vehicle. Without a receipt, it is your word against his that the transaction ever even took place. Should you be worried that he is offering a discount for an under the table transaction? Probably not, as long as you don't take him up on it.


It depends. CPA (or CA as it is known in the commonwealth countries) can be looked upon favourably in advisory positions in an investment bank (M&A/ECM). It is a good grounding and a detailed knowledge of the accounts is very useful when it comes to understanding a company and valuing it. CFA is more useful if you're interested in a) becoming an Equity Research analyst or b) going into funds management.


"The current price is $8.05. If you want the right to sell it to someone (put it to the buyer) for $10, you have to pay $2. Since you're looking at an expiration that's so close, the ""in the money"" value is nearly the same as what it trades for. The JAN 2013 sells for nearly $3."


"It can be a money laundering scheme. The stranger gives you cash for free at first, then proposes to give you more but this time asks you to ""spend"" a fraction of it (like 80%). So on his side the money comes from a legitimate source.  So you do it because after all you get to keep the rest of it and it is ""free"" money. But you are now involved in something illegal.  Having money for which you cannot tell the origin is also something highly suspicious. You will not pay tax on it, and the fiscal administration of your country might give you a fine. Customs might also be able to confiscate the money if they suspect it comes from an illegal source."


Should do it through a limit auction book.   Management and shareholders pre ipo submit sealed limit sell orders. Buyers submit sealed limit buy orders, nobody can see where the price is going.  At 9AM, the price is calculated and whomever fills get filled and ta da everyone is trading at 9:30 when the market is open.


The basic idea is that if you start buying prenatal vitamins and pregnancy tests, it's kind of weird if target sends you a coupon booklet that is 99% baby stuff.  Idea being post pre-natal vitamin and pregnancy test purchase, you send a circular with some baby ads, and some stuff like, toilet paper and shampoo.  So the consumer doesn't realize that they have been pegged as obviously pregnant/trying by their local target shopping patterns.


I’m not sure what you want a source for. I’m not making a specific claim. Generally, however manufacturing leaders such as Tesla are now operating closed loop battery recycling systems.  https://www.tesla.com/blog/teslas-closed-loop-battery-recycling-program  Ceramic batteries are coming along.  https://cleantechnica.com/2017/05/05/ceramic-battery-fraunhofer-shows-promise-increasing-ev-range-maybe/  https://www.google.com/amp/s/phys.org/news/2017-07-route-rechargeable-lithium-batteries.amp  These are problems with solutions far less daunting than fixing the issues with fossil fuel extraction and consumption.


"In a domestic setting, Letters of Credit are often used to build public works needed to support a development.  So if you're bulldozing a few 3 story buildings to build a 50 story tower, the municipality will build appropriate water/sewer/gas/road infrastructure, and draw from the developer's letter of credit to fund it. The 'catch' to the developer is that these things usually aren't revokable -- once the city/town/etc starts work, the developer cannot cut-off the funding, even if the  project is cancelled. A letter of credit definitely isn't a consumer financing vehicle. The closest equivalent is a ""line of credit"" tied to an asset like a home."


Credit unions operate for the benefit of their depositors, who are the actual owners of the institution, whereas conventional banks operate for the benefit of their shareholders, who of course are not necessarily depositors. So credit unions will typically give a benefit or service for free if it is free or extremely cheap to them, whereas conventional banks will charge for it if they think it will not lose them depositors.


The cost will be around $300-$500 if you do it correctly it in Florida and can be over a $1,000 if you do it in New York (New York is more expensive due to a publication requirement that New York has for LLC’s).  The price ranges I’ve given include filing, state fees, getting a tax ID number (EIN), operating agreement, membership certificates, registered agent fees and publication fees if done in New York. Each state also have licensing boards and city fees that are applicable, so you would want to also make sure that you are keeping compliant there. Yearly paperwork to keep the LLC running won’t be so expensive, expect the state to charge a yearly fee and require some basic information to be submitted.  I had a quick look at Florida, and with someone filing it for you, expect around $200 to $250 a year, plus registered agent fees.  If you are late in Florida the penalty is $400 so you definitely would want a service that provides compliance calendar notifications to make sure you are on time with fees. In regards to bookkeeping and taxes, yearly tax filing will start at $250 to $500 for an LLC and move up from there depending on the services being offered and the amount of time of work.  I recently referred someone to an accountant that will charge $250 to file an almost zero tax return on an LLC.  I think $40 an hour is a little low for a bookkeeper but it all depends on where you are.  I know in some major cities bookkeepers expect $75 an hour or higher. So the expectation in Miami and Manhattan will probably be more expensive than Jacksonville and Albany. If you doing a little business don’t expect the cost to be too much on the bookkeeping. So, breakdown: $300-$500 (FL) - $1,000 (NY) Registration of LLC + any business license, city or other registrations $250 Yearly Fee + Yearly Registered Agent + any business licenses, city or other fee $500 Tax Return + Bookkeeping Fee Banks will charge more than a personal account so expect $120 a year plus. In regards to service I would look at companies that specialize in foreigners setting up  businesses in the US, because they will have services designed to help you more than services that primarily specialize with US clients. You are going to have some different needs, based on not having a Social Security Number or establishing from overseas.


There are many tasks required in a project.  In order to complete the project, what steps and in what order are required to complete the project in the shortest possible period of time?  Those steps are on the critical path.      E.g. if you have a project to design and assemble a new sandwich for your restaurant, buying supplies and putting them together are on the critical path, while deciding on a menu name or price are not.  This is because you cant even begin to assemble your sandwich until you've bought bread, but picking out a price and name can happen at any point in this process without holding anything up.


When you pay monthly, you're making 12 payments / year. Assuming you have a payment of $1000/mo, that's $12,000/year that you're paying for your mortgage. When you opt for bi-weekly, they're saying that you can pay half of your mortgage ($500) bi-weekly (can be configured to align with your paycheck). Since there are ~26 bi-weekly periods in a year, you're making 26 * $500 = $13,000 in mortgage payments each year. Some of these companies charge a fee for you to utilize this service. The main concept behind this is that people are horrible at budgeting on their own, so when $500 is immediately taken from your paycheck, you'll be able to budget around what's left and be able to make that extra payment each year without thinking about it or realizing it.


There is a process called a backdoor IRA.   You now have effectively made a Roth IRA contribution in a year where technically you aren't eligible.  You do not have to pay taxes on earnings with a Roth IRA.  You are limited to the normal annual contribution to the IRA (Roth or traditional).   If you don't convert your traditional IRA contribution to a Roth IRA, then you are right.  That gains nothing except enhanced protection in bankruptcy.  Only do this if you are taking advantage of the Roth rollover.   I'm ignoring rolling over a 401k into an IRA, as that doesn't increase the amount you can contribute.  This does.  You can contribute the full $18,000 to the 401k and still make a full contribution to the backdoor IRA.   This is the tax advantaged form of an IRA.  This avoids double taxation.  Let's assume that your investment can go into something with a 5% annual return and you pay a 25% tax rate (doesn't matter as it drops out).  You are going to invest for thirty years and then withdraw.  You initially have $1000 before taxes.   With a regular investment:   You now have $2867.74.   With a pre-tax IRA.   You now have $3241.45 (it is not an accident that this is almost the same as the amount before the capital gains tax in the example without an IRA).   You avoided the $373.72 capital gains tax.  Even though you paid a lot more tax, you paid it out of the gains from investing the original $250 that you would have paid in tax.   This helps you even more if the capital gains tax goes up in the future.  Or if your tax bracket changes.  If you currently are in the 25% bracket but retire in the 15% bracket, these numbers will get even better in your favor.   If you currently are in the 15% bracket and worry that you might retire in the 25% bracket, consider a Roth instead.  It also avoids double taxation but its single taxation is at your current rate rather than your future rate.


Thats ok, they really match nicely with the Draft Dodger in Chief, though he can generate impressive hot air flows from his rear, his spurs are only for decorative purposes and he has no stomach for a fight, unless you are a pussy, then he might grab you.


Yup, that's a standard FP&A role alright, coupled with some accounting functions. The good news is, a Senior Financial Analyst role is right around the corner at an organization that will be a lot more fun, with work that's more interesting.   Just make sure your next hop is mostly removed from the daily reporting and close processes, and focuses more on modeling and strategy, that's the fun stuff, at least for me.


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In theory, yes.    In practice, long ways off.   It is hard [for a robot] to put clothes on a hanger and sort them. It is hard for a robot to take shoes out of a box.  It is hard to pick and sort Kiwifruit, grapes, and strawberries.  While it is hard for a robot, these jobs are necessary and extremely easy for a zero skilled and zero educated human to perform.  You can't even teach a monkey to do these jobs because they will become violent within a few minutes of performance. At this point only a human has the temperament and innate abilities to do mindless work that requires dexterity.     In reality, I agree. .   The US government should be offering Grand Challenge rewards for fruit picking machines and gardening. But that would put a million poor immigrants/people out of work that would otherwise cause serious political upheaval.


Obviously these corporations are run by people so I could argue that it is impossible for them to be amoral.  Regardless, even if it was decided that they were amoral, I find this extremely scary considering they are the most powerful influence in the world.


I'm not expert here, but a method used by quite a few people I went to school with was to save as much as possible before starting and continue to save as you go. Better explained, if you are able to save a years worth of tuition, or in a better case, save even more, you can pay as you, or in this case your child, attend(s) classes, and continue to add money to that account. If your child can hold down a part-time job during school, as many college students do, they can even help by saving some money into that account, and it can allow them to exit college free and clear of any loans, or at least mostly clear, should you fall a little short.  It's not the best option, but given a short time frame, it can work, and I've seen it work.


"That's like a car dealer advertising their ""huge access"" to Chevrolet.  All brokers utilize dark pools nowadays, either their own or one belonging to a larger financial institution.  Why?  Because that's a primary source of broker income.  Example: Under current US regulations the broker is under no obligation to pass these orders to actual (a.k.a. lit) exchanges.  Instead it can internalize them in its dark pool as long as it ""improves the price"".  So: If a broker doesn't run its own dark pool, then it sends the orders to the dark pool run by a larger institution (JPMorgan, Credit Suisse, Getco, Knight Capital) and gets some fraction of the dark pool's profit in return. Are Mom and Pop negatively impacted by this?  Not for most order types.  They each even got a free penny out of the deal!  But if there were no dark pools, that $1.00 difference between their trade prices would have gone half ($0.50) to Mom's counterparty and half ($0.50) to Pop's counterparty, who could be someone else's Mom and someone else's Pop. So ... that's why brokers all use dark pools, and why their advertisement of their dark pool access is silly.  They're basically saying, ""We're going to occasionally throw you a free penny while making 49 times that much from you""! (Note: Now apply the above math to a less liquid product than AAPL.  Say, where the spread is not $0.01, but more like $0.05.  Now Mom and Pop still might make a penny each, while the broker can make $4.98 on a 100 share trade!)"


Few people have two eye brows joined in between the gap, just above the nose bridge along the temple line. This generally does not look much attractive and if so wished can be plucked off with a thread.


> thus ensuring that the vast majority of consumers purchase the product instead of steal it.  I remember seeing some evidence that the vast majority of software consumers pirate, but it likely varies dramatically between platforms and target markets, so perhaps it's tough to generalize. I can't dig up the article I'm thinking of though. Do you have one breaking down piracy rates?  > DRM ensures that most consumers won't steal  Think about when the iTunes Music Store was young. It used DRM, but the vast majority of music was pirated. Now, the iTunes Music Store doesn't use DRM. Why? Because DRM-free purchased media competes better with pirated media, which is generally always DRM-free, and thus hassle-free.


An email stating that you'll move in is quite a bit different from signing a full lease agreement.   Technically the email amounts to a legal agreement.  However, as long as penalties for breaking the contract weren't part of the email conversation then you won't have any.  The current tenant will really have no recourse with you.


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More to the point, why are executive incentives, bonuses, options, etc, not on the chopping block just as much as union contracts, when bankruptcy is declared? I'm far from pro-union, but this seems like basic fairness. At the very least the unions (and other disenfranchised creditors) should be able to get a lien on those incentives to partially compensate their losses. As a matter of public policy, there should never be a financial incentive to enter bankruptcy.


Oh please. Now the political effluvium of the PRC is news.   The CPC  is using an outdated measure of rural daily earnings to define poverty which is ridiculous in modern Chinese cities which are comparatively expensive. All you need to know is that inequality is soaring in Chinese cities. And the ability of the urban poor to afford basic necessities - despite having incomes that exceed the poverty minimum - has collapsed.   You can't simultaneously have inflation and an inflexible poverty line and achieve a meaningful measure of poverty.


Il commercio elettronico sta acquistando così come la vendita di prodotti e servizi su sistemi di comunicazione elettronica, come Internet e le reti di computer collegati. Alcuni degli esempi popolari di commercio elettronico sono la gestione della catena di fornitura, il trasferimento di fondi per via elettronica, elaborazione di transazioni online, internet marketing, la gestione delle scorte, scambio elettronico di dati e così via.


Sedar is I guess the Canadian equivalent of EDGAR. You can find the company's filings there.  Here's a picture from their filings. Can't post the link, if you go and find the filing through Sedar you'll know why (it's not as nice a site as EDGAR). The 4.8 million is from unrealized gain on biological assets. So that's what it is. The reason, I think, as to why Operating Income is a positive 2.67 even though Operating Expense and Gross Profit are both negative is because Google Finance backed into Operating Expense. Operating Income is the same between the two sources, it's just the unrealized gain that moves.


1.8% interest isn't bad, but unless you're a higher rate taxpayer a Santander 123 account might be better for you than an ISA. See http://www.theguardian.com/money/2015/mar/23/cash-isas-pointless-savings-revolution


Thats true that they love to report gaffs, but I dont just watch the Aussie news, In fact I hardly watch it at all, I tend to read most of my news online from a variety of sites, not just reddit, and watch a few different US news programs. I also see how he acts in Debates and such. Anyway my point was more to find out if other people have risen to power while not against redditors beliefs. People got hung up on the Romney part though.


I’m working on trying to find an internship right now! Hopefully I find one in due time. DePaul has a great school for networking, so that’s something!   Okay, I’m going to do more research on IB. If IB isn’t for me I decide, what other career should I be looking at that has high income?   I’ll definitely get started on everything else you said. My future thanks you.


If that $6k includes points to buy down the rate, it could be a good deal, depending on the total cost of the house and the rates involved. If that's pure administrative and legal fees, that seems pretty high. I've bought a number of houses in my time and I don't think I ever paid over $2000. I refinanced my current house a year or two ago, with the same bank, and total closing costs were $500. That said, I don't know where you live, the cost of the house, etc. Might be that's normal in your area and your circumstances. But I'd shop around before just accepting it.


"According to IRS Bulletin 2007-39, you can elect the maximum contribution allowed by your new employer (please note that though the IRS allows a maximum limit on Health FSA of $2,600, your employer's plan can limit that to a lower amount) so long as both employers are not part of a ""controlled group.""  The complicated part of this is that your wife is covered by HDHP w/ HSA. Under IRS Publication 969, you cannot make contributions to an HSA if you are covered by any other health care coverage. Since your spouse would also be covered by your FSA, that would disqualify your spouse from making any contributions towards her HSA."


I fully expect you to be back here in July, telling people that the employment figures are actually terrible, according to the non-seasonally adjusted numbers.  Or as the case probably will be, telling people that the employment figures are *more* terrible. :(  I think a more helpful figure would be the new 3-month average: +96,000.  Quite bad.


"Does your planning include contingencies for Can you afford the late fees, insurance increases, bad credit hits and all the other downsides when this goes bad? Why does she NEED a new car on lease? Personally? I'd go for option B) Do what it takes to have her OWN a car. Why not just have her get a car that costs IN ENTIRE the $3k that would be used for a down payment on a lease? Maybe add a bit of your own money ""for old times sake"" to the pile? Or a small loan to get to where she can get a usable, dependable car? Say, a $3-5k loan in your name that she's responsible for the payments. $3-10k can get a very dependable old car. 10 great cars for 6k or less Everyone else has been burned by her - for whatever reason. No idea what the reasons are, but she seems to be unable to pay her bills. Why would this time be any different? Your name on a car + someone who can't pay bills = a bad proposition. I would LOVE to help anyone who's been important in my life. Including MY x-wife. But I wouldn't agree to this deal unless I KNEW that I could 100% cover the costs when things go bad - because at this point, odds are they will."


They have dug a deep hole with bad products and support.  Had a all-in-one desktop with next day on site support.  They hadn't fixed it after several weeks.  Call one support person they would claim its a problem of another department.  They don't dominate the printer market anymore either.  Will not touch HP equipment at any price any more.  Can definitely see writing off their good will.


Ideally, warranty returns should be handled by the manufacturer because in theory returns give them feedback to improve their products. If a certain model of DVD player is always being returned 6-12 months after sale, there's a problem with it, and having the returned, failed units on hand provides the engineers with evidence to improve their products.   Of course, with razor-thin margins and price pressure, the ideas above are a luxury and pretty much a thing of the past, I guess.


I know bitcoin. I don't understand ethereum except that the smart contracts bit is an abstraction of the blockchain concept to expand it beyond a mere ledger to a crypto-enhanced trust system that could be the escrow of the financial world.  I still need to read more about it and understand how ICOs are done. I had those sources open already. Some 10 tabs that I still haven't gotten to read in 4 months. Oh well, some incentive to get to it this weekend I guess.


Interesting, I wholeheartedly disagree but have upvoted you anyway.  I'd love if you expounded on that statement.  Would you hate to work with him because he insisted his time was worth getting paid for?  That he works to live and not the other way around.  The question is laid out directly; Is your job worth $20/hr or is it worth $10-$15/hour?  How much is your job worth?  Not how much do you get paid, but what do you feel would be an appropriate rate of pay for the work you do?


"Because occasionally MSNBC or Fox News will report on something ""across the aisle.""  On the internet, you don't even have to read the story about Obama's new jobs bill managing to create jobs if you're conservative, or about Romney's business successes if you're a liberal; there's always something else to read.  With TV or a newspaper, you're stuck reading or watching what they give you."


Much like K Mart, it's also cheaper.    I have an amazing knack for getting the most bizarre Uber / Lyft drivers.  Honestly it's a huge part of the experience for me too. If someone could guarantee me a weirdo everytime, I'd choose my service on that criteria alone.


Yeah, glass toys made by companies like pipedream and gläs seem to retail for around $50 and up, so I'd expect something made of rose quartz to sell for considerably more, and that I have no qualms with. All the chakra and energy and healing talk, however, do irk me a little. But hey, if people are into it, they're into it.


Ah . .silly poppets  You don't seem to understand that all that money you gave to the banks actually gave you a profit and now you are actually rich, and all the while you contribute in Taxes and banking fees and ATM surcharges and at the gas pump and the grocery store . . .its all making you richer  Its the thought that count . .  Yay!!! for stimulus and the economic recovery   Hooray for QE1 & QE2 & QE3 and wait for it  QE4 . . .you know its coming because they just raised the debt ceiling and they don't have a fucking clue  Wheee what fun!!!  But you know what would be really wild . .?  An info graphic of how much debt they have . . .yah? wooohoooooo!!!


Ya idk..I initially thought a moving average but that can't be it since when price crosses below trend line we see trend line continues to increase. https://villavu.com/forum/showthread.php?t=112371 but this says that it is in fact a monthly average. I don't see how that is possible, as adding a number below the average of a set to that set should decrease the average. People say 'the mean chases the margin,' not a fan of that terminology myself though.  Edit: ah wait the yellow line is daily average, not price. If monthly average is calculated on close price, then this is possible.  **so the answer then is the trend line is the monthly average**.


"Although my kid just turned 5, he's learning the value of money now, which should help him in the future. First thing, teach him that you exchange money for goods and services. Let him see the bills, and explain what they're for (i.e. ""I pay ISP Co to give us Internet; that lets us watch Youtube and Netflix, as well as play games with Grandma on your GameStation""). After a little while, they will see where it goes, and why. Then you have your automatic bills, such as mortgage payments. I make a habit of taking out the cash after I get paid, and my son comes with me to the bank where I deposit it again (I get paid monthly, so it's only one extra withdraw). He can physically see the money, and understand that if the stack is gone, it's gone. Now that he is understanding things cost money, he wants to make money himself. He volunteers to help clean up the kitchen and vacuum rooms in the house, usually without being asked. I give him a dollar or two for the simple chores like that. Things like cleaning his room or his own mess, he does not get paid for. He puts all his money into his piggy bank, and he has some goals in mind: a big fire truck, a police helicopter, a pool, a monster truck, a boat. Remember he's only 5. He has his goals, and we have the money he's been saving up. We calculate how many times he needs to vacuum the living room, or clean up dishes, to get there, and he realizes it takes a long time. He looks for other ways to make money around the house, and we come up with solutions together. I am hoping in a year or two that I can show him my investments and get him to understand why they make or lose money. I want to get him in to the habit of investing a little bit every few months, then every month, to help his income grow, even if he can't touch the money quite yet."


>I also don't approve of the fact that farmers are not allowed to re-plant the seeds they get from the GMO-germinated plants.   So you believe that farmers generally want to replant seeds?  Do you understand that hybrid plants don't breed true?  And that farmers haven't been replanting seeds since the 1930s?  >What also scares me is that one of the provisions of the TPP  Is your knowledge of TPP as thorough as your knowledge of agriculture practices?


I think this question is best answered by simply spending 40-60 minutes looking over the tax documents from last year and tracing thru the calculations.   As much as we might like to do so, we can't treat taxes like a black box. Tax law is much more complicated than it should be, but its much easier to understand taxes after you've filed them than before or during... at least you have solid numbers to look at.


You can calculate the fully diluted shares by comparing EPS vs diluted (adjusted) EPS as reported in 10K. I don't believe they report the number directly, but it is a trivial math exercise to reach it. The do report outstanding common stock (basis for EPS).


as no advantage from exerting American call option early,we can use Black schole formula to evaluate the option.However, American put option is more likely to be exercised early which mean Black schole does not apply for this style of option


> There was good logic at the time, if Microsoft wanted Windows on a tablet, then they had to make a version of Windows for the RT chipset.   No, they didn't - *Intel released an Atom phone a month later.* That sort of thing doesn't happen by surprise. Intel would've been hammering out the chipset for most of a year and selling it to Xolo for months. Microsoft must've known Android/x86 phones were coming, and yet still plodded along with their asinine plan for three separate versions of Windows that looked interchangeable but had no software in common.


If you're talking about just Theta, the amount of decay due to the passage of time (all else being equal), then theoretically, the time value is a continuous function, so it would decay throughout the day (although by the day of expiry the time value is very, very small).  Which makes sense, since even with 15 minutes to go, there's still a 50/50 shot of an ATM option expiring in-the-money, so there should be some time value associated with that one-sided probability. The further away from ATM the option is, the smaller the time value will be, and will be virtually zero for options that are deep in- or out-of-the-money. If you're talking about total time value, then yes it will definitely change during the day, since the underlying components (volatility, underlying price, etc.) change more or less continuously.


"The lottery is not a scam.  It really does what it says it does, the odds are just tremendously not in your favor.  MLMs promise a business opportunity where there isn't one and the only real money comes from signing up new people.  I've been dragged to a number of these things.  The last one was maybe ten years ago, it was a ACN meeting at a co-worker's house.  The invitation was vague, a number of other co-workers were going, and there was free food.  I immediately knew what it was when they started the presentation.  I listened as they went on about the untold riches and working for yourself and all of the usual crap.  Then they told us that we could ask questions.  Anything we wanted.  Well, OK.  Thing is, they don't get many people showing up to these things who are both lawyers and accountants.  Like me.  I started asking for financial documents, tax returns, verified audits, the form of the contract between ACN and you, and a few federal regulations.  That did not go over so well.  I pointed out that it was all standard due diligence.  I added that I would be happy to sign a non-disclosure agreement before showing me the books.  As you might guess, they didn't have any real answers and the guy doing the presentation looked like he wanted to punch me in the face.  Nobody signed up.  If you end up in at one of these meetings, start asking questions about the books.  You want to see them.  You want to see tax returns.  You want to see audits from CPA firms.  Offer to sign a non-disclosure agreement.  These are all very normal things in the business world.  Say you had a factory that makes widgets and you decide to sell the factory for $100,000.  I'm an interested buyer.  I would ask to see your books, returns and a statement from your CPA verifying these things.  A non-disclosure agreement is common and totally fair.  That way, I could verify the financials.  If someone wants you to sign up for a MLM, ask to see the books.  You'll shut it down almost immediately.  If they get upset, use the phrase ""due diligence"" and say that it is standard business procedure.  Because it is."


It's a good answer. I was alluding to cryptocurrency such as bitcoin which was a pretty genius invention (blockchain and mining) to solve the honesty problem (counterparty risk) you outlined when there's no trusted middleman to help keep people honest. Sounds like a dodgy cat though!


"The wire is probably the quick way to go. There may be a lower cost method through an international bank like Citi or HSBC. If you are a US resident or have a ""substantial presence"" in the United States, the IRS may be interested in the origins of your money."


The logic is that the value of America could be determined by adding up the assets of all Americans.  If houses are more expensive then America is richer (we own a large number of more expensive houses), even though no additional real assets have been created (as if more houses were built).


If you have purchased a Netgear router to access the internet then you have made a right choice. Now, set it up using the manual setup as this may cause fewer issues, the setup starts by typing www.routerlogin.net in the address bar. For issues, connect with us.


You will be best to cancel the original instruction first, as you will have to wait for any pending payments to be received, as the banks will not entertain multiple refunds. After this can be confirmed the account will simply show a credit which you ask for.  Many lenders/banks process these type of transactions after a period of time ie 30 days and there will be no way to speed this up, so the sooner you act the better.  When you contact the bank have bank details for the payment(they might transfer externally fingers crossed), or you may receive a cheque in the post.  Try to avoid complicating the matter with changes of address and ringing before you have cancelled the instruction etc if possible.


What you want is a cashless transaction. It's part of the normal process. My employer gives me 1000 options at $1, I never need to come up with the money, the shares are bought and sold in one set of transactions, and if the stock is worth $10, I see $9000 less tax withholding, hit the account. No need for me to come up with that $1000.


"It is great that you want to learn more about the Stock Market. I'm curious about the quantitative side of analyzing stocks and other financial instruments. Does anyone have a recommendation where should I start? Which books should I read, or which courses or videos should I watch? Do I need some basic prerequisites such as statistics or macro and microeconomics? Or should I be advanced in those areas? Although I do not have any books or videos to suggest to you at the moment, I will do some more research and edit this answer. In order to understand the quantitative side of analyzing the stock market to have people take you serious enough and trust you with their money for investments, you need to have strong math and analytical skills. You should consider getting a higher level of education in several of the following: Mathematics, Economics, Finance, Statistics, and Computer Science.  In mathematics, you should at least understand the following concepts: In finance, you should at least understand the following concepts: In Computer Science, you should probably know the following: So to answer your question, about ""do you need to be advanced in those areas"", I strongly suggest you do. I've read that books on that topics are such as The Intelligent Investor and Reminiscences of A Stock Operator. Are these books really about the analytics of investing, or are they only about the philosophy of investing? I haven't read the Reminiscences of A Stock Operator, but the Intelligent Investor is based on a philosophy of investing that you should only consider but not depend on when you make investments."


Diversification is used by many to hopefully reduce the risk when bad investments are made. Diversification does not help you make more profits but instead averages down your profits. There is no way one can tell whether a stock or portfolio of stocks will go up or down once they are purchased. In order to try to provide some protection against total loss of the portfolio, a lazy so called long term investor will use diversification as a way of risk management. But the best outcome for them will be an averaging down of their profits. A better method is to let the market tell you when your purchased investment is a bad one and get out of that investment early and thus limiting your losses, whilst letting your good investments (as determined by the market) run and make larger profits.


https://qz.com/1002655/the-company-behind-wordpress-is-closing-its-gorgeous-san-francisco-office-because-its-employees-never-show-up/  2. Zappos, who also allows work on remote - at least partially.  As automation takes root, more and more functions can be performed outside office. The problem is the fossilized mentality of the management.  Even in a more traditional industries some of the tasks can be done is a more creative and flexible arrangement. If anybody takes care to do internal organisational overhaul.


I would trust...Twitter should stay relevant until 2020 election, but I'd get out of any investments after that. They should get a small bump when they increase character limit, but I don't see them turning any corners in the next 5 yrs. Still in better shape than Vine.


"Am I right to say that no tax needs to be given for the annual ~$130k   USD, since they are considered as annual gift tax exclusion? Not only that you're wrong, but it also looks like a tax fraud, not just mere avoidance. You'll have hard time proving to any judge or jury that the gifts are ""in good faith"". By the way, $5 a month is below minimum wage."


"Is evaluating stocks just a loss of time if the stock is traded very much? Not at all! Making sound investment decisions based on fundamental analysis of companies will help you to do decide whether a given company is right for you and your risk appetite. Investing is not a zero-sum game, and you can achieve a positive long-term (or short-term, depending on what you're after) outcome for yourself without compromising your ability to sleep at night if you take the time to become acquainted with the companies that you are investing in. How can you ensure that your evaluation is more precise than the   market ones which consists of the evaluation of thousands of people   and professionals? For the average individual, the answer is often simply ""you probably cannot"". But you don't have to set the bar that high - what you can do is ensure that your evaluation gives you a better understanding of your investment and allows you to better align it with your investment objectives. You don't have to beat the professionals, you just have to lose less money than you would by paying them to make the decision for you."


This article is a piece of dog shit full of selective information. Coal is already dead because of natural gas, you don't even have to consider renewables yet (which are very soon to be the most economically sound energy generation option as prices are dropping hand over fist).


The advantage of a Traditional IRA is: tax deduction today.  The advantage of a Roth IRA: no tax on withdrawal. Both types are tax-deferred, and have no bearing on the question.


Again, that is NOT YOUR BUSINESS. I never have given out such info and I never will. You calling me a coward will not change that. Please move on from the topic.   I have not read the Koran, but if you'd like to go down that path, there's some pretty gnarly shit in the Bible. Maybe you shouldn't open that can of worms if you're not trying to look dumb in this argument.   I really am tired of you and your ignorance. Do you have anything of value to say, or just more racist ramblings of a lunatic?


You bought the right – but not the obligation – to buy a certain number of shares at $15 from  whomsoever sold you the option, and you paid a premium for it.  You can choose whether you want to buy the shares at $15 during the period agreed upon. If you call for the shares, the other guy has to sell the shares to you for $15 each, even if the market price is higher. You can then turn around and promptly resell the purchased shares at the higher market price. If the market price never rises above $15 at any time while the option is open, you still have the right to buy the shares for $15 if you choose to do so. Most rational people would let the option expire without exercising it, but this is not a legal requirement.  Doing things like buying shares at $15 when the market price is below $15 is perfectly legal; just not very savvy.  You cannot cancel the option in the sense of going to the seller of the option and demanding your premium money back because you don't  intend to exercise the option because the market price is below $15.  Of course, if the market price is above $15 and you tell the seller to cancel the contract, they will be happy to do so, since it lets them off the hook. They may or may not give you the premium back in this case.


Call in to the bank using a publicly available number to verify the request.


Many of the limitations of blockchains and bitcoin in particular can be overcome with changing the implementation, but most of the proposed fixes undermine the ideological underpinnings of decentralized verification and a fully traceable ledger.  The major hurdle that it doesn't currently have a fix to make it a national currency is that the monetary policy with bitcoin is fixed -- and not by a government.  Very few modern governments would be willing to entirely give up monetary policy; and as the number of transactions increases to the levels in which cash is exchanged for a blockchain, the kinds of entities that have the processing power necessary to verify a block timely gets consolidated into very few hands that own sizable data centers -- and then they arguably get to determine monetary policy among themselves without any election, voting, or duly appointed fiduciary responsibility.


"To summarize your starting situation: You want to: Possible paths: No small business Get a job. Invest the 300K in safe liquid investments then move the maximum amount each year into your retirement accounts. Depending on which company you work for that could include 401K (Regular or Roth), deductible IRA, Roth IRA. The amount of money you can transfer is a function of the options they give you, how much they match, and the amount of income you earn. For the 401K you will invest from your paycheck, but pull an equal amount from the remainder of the 300K. If you are married you can use the same procedure for your spouse's account. You current income funds any vacations or splurges, because you will not need to put additional funds into your retirement plan. By your late 30's the 300K will now be fully invested in retirement account. Unfortunately you can't touch much of it without paying penalties until you are closer to age 60. Each year before semi-retirement, you will have to invest some of your salary into non-retirement accounts to cushion you between age 40 and age 60. Invest/start a business: Take a chunk of the  300K, and decide that in X years you will use it to start a small business. This chunk of money must be liquid and invested safely so that you can use it when you want to. You also don't want to invest it in investments that have a risk of loss. Take the remaining funds and invest it as described in the no small business section. You will completely convert funds to retirement funds earlier because of a smaller starting amount. Hopefully the small business creates enough income to allow you to continue to fund retirement or semi-retirement. But it might not. Comment regarding 5 year ""rules"": Roth IRA: you have to remain invested in the Roth IRA for 5 years otherwise your withdrawal is penalized. Investing in stocks: If your time horizon is short, then stocks are too volatile. If it drops just before you need the money, it might not recover in time. Final Advice: Get a financial adviser that will lay out a complete plan for a fixed fee. They will discuss investment options, types not particular funds. They will also explain the tax implications of investing in various retirement accounts, and how that will impact your semi-retirement plans. Review the plan every few years as tax laws change."


If you can set up automatic payments (like direct debits in the UK) and you can be disciplined enough to not spend the money on something else then this can be a good way of building/improving your credit rating. Banks / Lenders like it when they see you have previously taken, and repaid, credit. This can help you get better finance deals etc. in the future. Update: as noted in the comments France had a different financial system and people do not have credit ratings, so this point isn't valid in France


You say “there is no reason” as if the reasons they had for initially choosing uniform pricing and pay meant nothing.  You sound just like those libertarians who want to get rid of all market regulations because free market is more competitive and healthier.  You should NEVER ignore the initial reasons any law or decision is made.  That is a recipe for repeating the issues we have already faced.  Why go through the same struggle twice?


Probably. He mentioned early on he didn't want to sell meat, just vegan foods. It was originally called Saferway. But his investors/partners he joined stores with wanted the new store to be more of a grocery store so he expanded what they sold (meats, wines and alcohol) and it took the business to a whole new level. In the interview they did cover how whole foods pushed the organic market in large supermarkets. Now almost every grocery store has a organic section.


"I like to challenge my beliefs and was excited to see an article posted to reddit that wasnt so gung ho for obama and kenesian spending.  Unfortunately this article starts with a strawman and then backs it up with a misleading statement like ""the keynesian multiplyer of less than 1 means less public sector growth"".... really? You need to back up a statement like that."


It depends primarily on how the Canadian economy is designed i.e export oriented or import oriented. If you look at this, it shows more or less equal amount of exports and imports. For the specific case of Canada, the exports would become costlier, because of a costlier dollar, but at the same time imports would become cheaper. This is only a generalization, not specific goodswise, which would require a more detailed ananlysis. But investors have a different dilemma. Canadian investors would find  it cheaper to invest abroad so may channel their investments abroad because they may find it costlier to invest in Canada. While foreign investors would find it costlier to invest in Canada and may wait for later or invest somehwre else.  Then government may try to boost up investment and start lowering the interest rates, if it sees the rising dollar as detrimental for the Canadian economy and investments flowing abroad instead of Canada. But what would be the final outcome of the whole rigmarole is little difficult to predict, because something is arriving and something is departing and above all goverment is doing something or is going to do. But the basic gist is Canadian exporters will be sad and Canadian importers will be happy, but vice versa for foreign investors intending to invest in Canada.


Wherever you park right now.  It’s relatively simple to run electric lines and install chargers.  I’m doing that to my house right now.  Well, not installing a charger yet, but the box and everything is right by where I park.  We’re upgrading the electrical system and it’ll be ready for it.  I have gasoline cars now and am eager to go electric.  I’m putting a few thousand into my daily driver so it’ll be good for another 8-10 years.  I think electric cars will hit their stride somewhere around 2025.  I’m going solar before next summer and will put away a few thousand a year towards an electric car.  Better than car payments on something that will be obsolete soon.


"Anyone that currently owns a business of any size is a slave to pretty much anyone else.  We are told who to hire, how much to pay, how much of the profits we must give to ""pay our fair share"", who we must serve and by what measure of quality, what prices we may charge (in many cases) and so on.  What you and people like you do not get is that those of us that enjoy starting businesses have lost our taste for it.  We're sick of working twice as hard as our employees and then being told we don't ""give back"" enough.   I would NEVER not hire or serve someone on the basis of their color, religion, sexuality, and so forth.  Why?  Because finding great people is hard enough, why reduce the potential population further with biotry and silliness.  BUT, I would also never hire a person BECAUSE of those things.  I don't care if you're black and feel like you're entitled to special consideration because your great-great-great-great grandfather was enslaved.  A) I don't care.  B) I had nothing to do with it.  C) You're not entitled to squat unless you've earned it.  Ditto Native Americans, women, homosexuals, people that are overweight, or any one of a dozen other manufactured excuses for not being willing to be measured by - as per MLK - the content of your character, not the color of your skin (or whatever).  In the mean time I have been on strike.  I am not starting another business or hiring another person until this nonsense gets put under control.  I made that committment the day the Worst President In My Lifetime - Mr Hoax And Shame - got elected.  Guess what?  There are lots of people like me and you're not going to see an improving unemployment picture until you quit squeezing us with this PC, feel good stupidity.   And you know what?  If you do end the EEOC lunacy, what will happen?  People of all flavors who are persons of character and ability will flourish and the low life white trash, black ghetto scum, drug addict losers that support the ideological left will ... starve.  And that's just fine with me so long as they do not block traffic."


Moreover the fact that they're simply invested in two of the biggest emerging market ETFs which preform well with global stability but are overall kinda risky long term goes to show that it's not some unheard of success. As you said, the proving ground will be whether they can make money in a down economy, where it's much harder to find profitable investments. Perhaps they'll switch to bonds and commodities.